>>>You don't want a cash back. That's you giving a free loan to the seller, which they don't return in 50-90% cases (depending on each seller's sales department; so far HP is the worst, ColdFusion (or whoever they are now), Office Depot the best).
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>>Rebates may be like that, but a cash back credit card isn't. I pay the same price whether I use the card or cash. Once a year, my credit card company gives me a great big credit based on how much I charged in the last year.
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>So that's unrelated to any particular purchase - it's more of a bait for the next year, no matter what they call it. As far as advertising/baiting goes, this looks the cleanest. They could have wasted that money on some worthless piece of ugliness and sent it to you as an appreciation gift, or send you a gift card to an outlet where you'd never shop.
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>Of course, one has to think how much money did they make on you when they could afford to give this and still make a profit...

It works much simpler. When you spend, let say, $199 on any card purchase, credit card company gives you 1% credit, i.e. $1.99. If you buy the same thing with cash then price is the same $199, but no credit. This credit amount is accumulated. Tamar gets it back once a year; I receive it when the amount exceeds $25, i.e. companies may have different rules but the idea is still the same.
As you probably saw from the previous messages I am not a frequent credit card user, but I don't consider this cashback program as a trick.