Skip to main content

How 3-2-1 Cashi cashback works

How 3-2-1 cashback works, which purchases earn 3%, 2%, or 1%, what does not earn, and why the cashback rules do not affect referral rewards.

m
Written by max

3-2-1 Cashi gives you cashback on everyday spending: 3% on subscriptions, 2% on online shopping, and 1% on travel. It's automatic, with nothing to switch on. Your cashback builds up as Spending Credit you can use on any card payment, and it never expires. All amounts and limits shown here are in US dollars.

Which purchases earn cashback

You earn cashback on three kinds of everyday spending:

  • 3% on subscriptions: selected monthly subscription services

  • 2% on online shopping: purchases from online stores

  • 1% on travel: flights, hotels, and travel bookings

You'll see your cashback on your Reward page, ready to use on any card payment.

When you'll see your cashback

Cashback shows up as Pending right after you pay, and is confirmed once the payment settles. This usually takes a few days, though travel bookings can take longer. If the final amount is lower than the amount charged, your cashback adjusts to match.

Subscriptions — 3%

Earn 3% when you pay for a subscription with your Cashi card. Cashback applies to monthly plans only. Annual or longer-term plans don't earn. Only your regular monthly subscription charge earns cashback, limited to one charge per service each month.

Eligible services:

  • Amazon Prime: including Prime Video on its own

  • Google One

  • Canva

  • Uber One: the membership only. Individual trips and food delivery orders don't earn.

Subscriptions billed through the Apple App Store don't earn cashback, because the charge doesn't show which service it was for. To earn, pay the service directly or through Google Play. We're adding more services over time.

Online shopping — 2%

Earn 2% on online purchases. This applies to online purchases only. In-person and tap-to-pay purchases don't earn here.

These named stores earn 2%: Adidas, AliExpress, Amazon, ASOS, Carrefour, eBay, El Corte Inglés, Éxito, Falabella, Farfetch, H&M, iHerb, IKEA, Lazada, Makro, Mercado Libre, Mr Porter, Namshi, Net-a-Porter, Nike, Noon, Ounass, Ripley, Sephora, Shein, SSENSE, Temu, and Zara.

You also earn 2% at many other online stores in these everyday categories:

  • 5045: Computers, peripherals & software

  • 5300: Wholesale clubs

  • 5311: Department stores

  • 5399: Misc. general merchandise

  • 5411: Grocery stores (online only)

  • 5499: Convenience & specialty food stores

  • 5641: Children's & infants' wear

  • 5651: Family clothing

  • 5661: Shoe stores

  • 5691: Men's / women's clothing

  • 5699: Misc. apparel & accessories

  • 5712: Furniture / home furnishing

  • 5722: Household appliances

  • 5732: Electronics stores

  • 5733: Music stores

  • 5816: Digital games

  • 5817: Apps & in-app purchases

  • 5912: Drug stores / pharmacy

  • 5941: Sporting goods

  • 5942: Book stores

  • 5943: Stationery

  • 5944: Jewellery / watches

  • 5945: Hobby / toy / game stores

  • 5946: Camera / photographic supply

  • 5947: Gift / novelty stores (retail only, not gift cards)

  • 5977: Cosmetics

  • 5999: Misc. retail

Online shopping limits

There are two kinds of monthly limit. Both are limits on how much you spend, not on how much cashback you earn.

  • Each named store has its own limit. You earn 2% on the first $500 you spend at each named store every calendar month. That's up to $10 of cashback per store.

  • All other eligible stores share one limit. You earn 2% on the first $500 you spend across all of them combined every calendar month. That's up to $10 of cashback in total.

For example, say you spend $500 at Amazon, $300 at Zara, and $300 at an online store that isn't named above but is in an eligible category. You earn $10 from Amazon, $6 from Zara, and $6 from the other store, which is $22 in total.

You can keep spending after you reach a limit. That spending just doesn't earn cashback until the next month starts.

Travel — 1%

Earn 1% on travel. Airlines and hotels earn automatically when you book with your card. Eligible travel booking sites include Booking.com, Agoda, Expedia, and Trip.com.

Travel categories that earn:

  • 3000–3350: Airlines, per-carrier codes (earn automatically)

  • 4511: Airlines, general

  • 3501–3999: Hotels, per-chain codes

  • 7011: Hotels, motels, resorts (under $20 excluded — incidentals)

  • 4722: Travel agencies (listed sites only)

Travel has one limit, and it's on cashback rather than spending: you can earn up to $20 of travel cashback each calendar month, across all travel combined. Each booking earns on up to $2,000 of its price.

What doesn't earn cashback

Some spending isn't eligible:

  • Cash withdrawals, money transfers, and sending money to people

  • Trading and investments (including stocks, currencies, and digital assets) and gambling

  • Gift cards, and topping up other wallets or prepaid cards

  • Insurance, real estate, and government payments

  • Car rentals, cruises, taxis and rideshare, fuel, parking, and public transport

If you get a refund, the cashback you earned on that purchase is reversed.

Cashback rules don't apply to referrals

The list above is for cashback only. It doesn't affect the $50 of card spending that unlocks a referral reward. Every card purchase counts toward that $50, including purchases that earn no cashback. See How the Cashi referral program works for the referral rules.

Using your cashback

Your cashback builds up as Spending Credit. Claim it from your Reward page, then use it on any card payment. It never expires. Spending Credit is there to spend with your card, so it can't be withdrawn or transferred.

Related articles

Questions?

Contact us at [email protected] and we'll help you out.

Did this answer your question?