> For the complete documentation index, see [llms.txt](https://docs.bankly.cc/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.bankly.cc/getting-started/cashback.md).

# Cashback

Every eligible purchase you make with your Bankly Visa card earns you money back. Cashback is paid in **USDC**, and you also collect **XP** on top — so each tap, swipe, or online checkout adds real value to your balance.

{% hint style="info" %}
Cashback is funded from your spend, not from credit. Bankly is a USD account you spend from — there are no loans, no interest, and nothing to pay back.
{% endhint %}

## How it works

1. Top up your Bankly balance with crypto.
2. Spend with your virtual or physical Bankly card anywhere Visa is accepted.
3. Earn USDC cashback plus XP automatically on eligible purchases.
4. Watch your rewards add up as your XP level and tier grow.

You don't need to opt in, track receipts, or claim anything manually. Cashback is calculated for you on qualifying spend.

## Your rate scales with your tier

The more premium your membership, the more you earn back on every purchase.

* **The Basic Club** — the starting cashback rate, free forever.
* **The Plus, Premium, and Black Clubs** — progressively higher cashback as you move up.
* **The Private Club** — **0.5% USDC cashback** plus **1% XP** on eligible spend, with no identity verification required.

{% hint style="success" %}
Higher tiers don't just earn a bigger USDC rate — they also accelerate the XP you collect, which powers faster levels and rewards.
{% endhint %}

See the full breakdown of rates and benefits on the [Membership](/getting-started/membership.md) page.

## Where and when cashback is credited

* Cashback is credited to your Bankly balance in **USDC**.
* **XP** is added to your account and counts toward your level and rewards.
* Rewards are applied after a purchase settles, so there may be a short delay between spending and seeing cashback land.

Your wallet **Total balance** and any individual **card balance** are tracked separately, so your cashback is always reflected in your funds, not tied to a single card.

## What counts as eligible spend

Eligible spend is your everyday purchasing — the things you buy day to day, in store and online, anywhere Visa works:

* Groceries, dining, and coffee
* Shopping, subscriptions, and online checkouts
* Transport and fuel

{% hint style="info" %}
Some transaction types and categories may not qualify for cashback. When a purchase isn't eligible, no cashback or XP is earned on it.
{% endhint %}

## Learn more

* [XP System](/getting-started/xp-system.md) — how XP works, levels, and what your points unlock.
* [Membership](/getting-started/membership.md) — compare tiers, cashback rates, and benefits.


---

# Agent Instructions
This documentation is published with GitBook. GitBook is the documentation platform designed so that both humans and AI agents can read, navigate, and reason over technical content effectively. Learn more at gitbook.com.

## Querying This Documentation
If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question.

Perform an HTTP GET request on the current page URL with the `ask` query parameter:

```
GET https://docs.bankly.cc/getting-started/cashback.md?ask=<question>
```

The question should be specific, self-contained, and written in natural language.
The response will contain a direct answer to the question and relevant excerpts and sources from the documentation.

Use this mechanism when the answer is not explicitly present in the current page, you need clarification or additional context, or you want to retrieve related documentation sections.