{"id":3387,"date":"2025-06-01T00:10:51","date_gmt":"2025-06-01T03:10:51","guid":{"rendered":"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/?p=3387"},"modified":"2025-06-01T00:10:51","modified_gmt":"2025-06-01T03:10:51","slug":"what-is-the-smartest-way-to-use-cash-back","status":"publish","type":"post","link":"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/3387\/","title":{"rendered":"What is the smartest way to use cash back?"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_74 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Content<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 eztoc-toggle-hide-by-default' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/3387\/#What_is_the_Smartest_Way_to_Use_Cash_Back\" >What is the Smartest Way to Use Cash Back?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/3387\/#Understanding_Cash_Back_Rewards\" >Understanding Cash Back Rewards<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/3387\/#Smart_Strategies_to_Redeem_Your_Cash_Back\" >Smart Strategies to Redeem Your Cash Back<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/3387\/#1_Redeem_for_Statement_Credits\" >1. Redeem for Statement Credits<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/3387\/#2_Deposit_Cash_Back_Into_Your_Bank_Account\" >2. Deposit Cash Back Into Your Bank Account<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/3387\/#3_Use_Cash_Back_for_Gift_Cards_or_Merchandise\" >3. Use Cash Back for Gift Cards or Merchandise<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/3387\/#4_Apply_Cash_Back_to_Travel_Expenses\" >4. Apply Cash Back to Travel Expenses<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/3387\/#5_Reinvest_or_Use_Cash_Back_to_Pay_Down_Debt\" >5. Reinvest or Use Cash Back to Pay Down Debt<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/3387\/#Tips_for_Maximizing_Your_Cash_Back_Rewards\" >Tips for Maximizing Your Cash Back Rewards<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/3387\/#Choose_the_Right_Card_Based_on_Your_Spending_Habits\" >Choose the Right Card Based on Your Spending Habits<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/3387\/#Pay_Off_Your_Balance_in_Full_Every_Month\" >Pay Off Your Balance in Full Every Month<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/3387\/#Keep_Track_of_Rotating_Category_Deadlines\" >Keep Track of Rotating Category Deadlines<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/3387\/#Combine_Cash_Back_With_Other_Discounts_and_Coupons\" >Combine Cash Back With Other Discounts and Coupons<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/3387\/#Redeem_Strategically\" >Redeem Strategically<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/3387\/#How_to_Use_Cash_Back_to_Improve_Your_Financial_Health\" >How to Use Cash Back to Improve Your Financial Health<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/3387\/#Boost_Your_Emergency_Fund\" >Boost Your Emergency Fund<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/3387\/#Invest_Your_Cash_Back_Rewards\" >Invest Your Cash Back Rewards<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/3387\/#Use_Cash_Back_to_Fund_Large_Purchases\" >Use Cash Back to Fund Large Purchases<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-19\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/3387\/#Common_Mistakes_to_Avoid_When_Using_Cash_Back\" >Common Mistakes to Avoid When Using Cash Back<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-20\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/3387\/#How_Technology_is_Changing_Cash_Back_Usage\" >How Technology is Changing Cash Back Usage<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-21\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/3387\/#Wrapping_It_Up_Making_Cash_Back_Work_For_You\" >Wrapping It Up: Making Cash Back Work For You<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-22\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/3387\/#Related_Articles\" >Related Articles<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-23\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/3387\/#Our_Categories\" >Our Categories:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-24\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/3387\/#What_is_the_smartest_way_to_use_cash_back\" >What is the smartest way to use cash back?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-25\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/3387\/#Smart_Ways_to_Use_Cash_Back\" >Smart Ways to Use Cash Back<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-26\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/3387\/#Frequently_Asked_Questions\" >Frequently Asked Questions<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-27\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/3387\/#1_What_is_the_best_way_to_use_cash_back_rewards\" >1. What is the best way to use cash back rewards?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-28\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/3387\/#2_Should_I_use_cash_back_rewards_to_pay_off_credit_cards\" >2. Should I use cash back rewards to pay off credit cards?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-29\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/3387\/#3_Is_it_better_to_save_or_spend_cash_back_rewards\" >3. Is it better to save or spend cash back rewards?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-30\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/3387\/#4_Can_I_use_cash_back_to_pay_bills\" >4. Can I use cash back to pay bills?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-31\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/3387\/#5_How_often_should_I_redeem_cash_back\" >5. How often should I redeem cash back?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-32\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/3387\/#6_Does_using_cash_back_impact_my_credit_score\" >6. Does using cash back impact my credit score?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-33\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/3387\/#7_Can_cash_back_rewards_expire\" >7. Can cash back rewards expire?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-34\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/3387\/#8_Is_it_smart_to_accumulate_cash_back_before_redeeming\" >8. Is it smart to accumulate cash back before redeeming?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-35\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/3387\/#9_Can_I_combine_cash_back_with_coupons_or_discounts\" >9. Can I combine cash back with coupons or discounts?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-36\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/3387\/#10_Are_there_tax_implications_for_cash_back_rewards\" >10. Are there tax implications for cash back rewards?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-37\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/3387\/#11_How_do_I_choose_the_best_cash_back_card\" >11. How do I choose the best cash back card?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-38\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/3387\/#12_Can_I_get_cash_back_from_online_shopping\" >12. Can I get cash back from online shopping?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-39\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/3387\/#13_Is_it_better_to_use_cash_back_or_pointsrewards\" >13. Is it better to use cash back or points\/rewards?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-40\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/3387\/#14_Can_I_donate_cash_back_rewards\" >14. Can I donate cash back rewards?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-41\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/3387\/#15_How_can_I_track_my_cash_back_earnings\" >15. How can I track my cash back earnings?<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-42\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/3387\/#Conclusion\" >Conclusion<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-43\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/3387\/#Also_discover\" >Also discover<\/a><\/li><\/ul><\/nav><\/div>\n<p><strong>What is the smartest way to use cash back?<\/strong><\/p>\n<h2><span class=\"ez-toc-section\" id=\"What_is_the_Smartest_Way_to_Use_Cash_Back\"><\/span>What is the Smartest Way to Use Cash Back?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Cash back rewards have become one of the most popular incentives offered by credit cards and shopping programs today. Whether through credit cards, apps, or store loyalty programs, cash back is a way to earn money back from your everyday spending. But once you\u2019ve accumulated cash back rewards, the big question arises: <strong>what is the smartest way to use cash back?<\/strong><\/p>\n<p>In this article, we&#8217;ll explore effective strategies to maximize the benefits of cash back rewards. From optimizing how you redeem your rewards to making smart financial decisions with your earnings, you\u2019ll gain valuable insights grounded in real-user behavior and expert advice to help you make every dollar count.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Understanding_Cash_Back_Rewards\"><\/span>Understanding Cash Back Rewards<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Before diving into the smartest ways to use cash back, it\u2019s important to understand exactly how cash back programs work. Typically, cash back rewards are a percentage of your spending returned to you as cash or credit. This percentage can range from 1% to as high as 5% or more, depending on the card or program and the type of purchase.<\/p>\n<p>Cash back rewards come in different forms:<\/p>\n<ul>\n<li><strong>Flat-rate cash back:<\/strong> A consistent percentage on all purchases, such as 1.5% on every dollar spent.<\/li>\n<li><strong>Tiered cash back:<\/strong> Different percentages based on categories, like 3% on groceries and 1% on other expenses.<\/li>\n<li><strong>Rotating categories:<\/strong> Categories that change every quarter, sometimes offering as much as 5% cash back.<\/li>\n<\/ul>\n<p>Because of this variety, how you earn and redeem cash back can heavily influence the overall value you get from your rewards.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Smart_Strategies_to_Redeem_Your_Cash_Back\"><\/span>Smart Strategies to Redeem Your Cash Back<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>When it comes to redeeming cash back, some methods offer better value or more convenience than others. Here are the smartest ways to use your cash back earnings:<\/p>\n<h3><span class=\"ez-toc-section\" id=\"1_Redeem_for_Statement_Credits\"><\/span>1. Redeem for Statement Credits<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>One of the simplest and most flexible options is to redeem your cash back as a statement credit. This means your credit card issuer will deduct the cash back amount directly from your balance, effectively reducing your overall debt.<\/p>\n<ul>\n<li><strong>Why it\u2019s smart:<\/strong> It offers immediate and tangible savings on your credit card bill, helping reduce your monthly payment or the interest charged.<\/li>\n<li><strong>Best for:<\/strong> Users who carry a balance or want to lower their monthly expenses quickly.<\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"2_Deposit_Cash_Back_Into_Your_Bank_Account\"><\/span>2. Deposit Cash Back Into Your Bank Account<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Many programs allow you to transfer cash back rewards directly into your checking or savings account. This gives you liquidity\u2014you can use the money anywhere and any way you see fit.<\/p>\n<ul>\n<li><strong>Why it\u2019s smart:<\/strong> Provides flexibility and increases your financial buffer, especially for emergency funds or upcoming expenses.<\/li>\n<li><strong>Best for:<\/strong> Those who want to keep their options open or build an emergency fund.<\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"3_Use_Cash_Back_for_Gift_Cards_or_Merchandise\"><\/span>3. Use Cash Back for Gift Cards or Merchandise<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Some cash back programs let you redeem your rewards for gift cards or merchandise. This can sometimes increase the value if you get bonus offers or discounts on gift cards.<\/p>\n<ul>\n<li><strong>Why it\u2019s smart:<\/strong> Can stretch your rewards further if you shop strategically during special promotions or need specific items.<\/li>\n<li><strong>Potential downsides:<\/strong> The value may not always equal cash; merchandise might not appeal to everyone.<\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"4_Apply_Cash_Back_to_Travel_Expenses\"><\/span>4. Apply Cash Back to Travel Expenses<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>For travel enthusiasts, some cards allow cash back to be applied towards travel bookings like flights or hotels. While not as common as points or miles, it can still be a valuable redemption route.<\/p>\n<ul>\n<li><strong>Why it\u2019s smart:<\/strong> Helps reduce overall travel costs; convenient if you travel frequently.<\/li>\n<li><strong>Best for:<\/strong> People who want to make their vacations more affordable.<\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"5_Reinvest_or_Use_Cash_Back_to_Pay_Down_Debt\"><\/span>5. Reinvest or Use Cash Back to Pay Down Debt<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Using your cash back rewards to pay off high-interest debt is one of the financially savvy ways to use them. By applying those rewards to clear debt, you reduce your interest costs over time.<\/p>\n<ul>\n<li><strong>Why it\u2019s smart:<\/strong> Limits the amount of interest you pay, which can save money in the long run.<\/li>\n<li><strong>Best for:<\/strong> Anyone with outstanding credit card balances or personal loans.<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"Tips_for_Maximizing_Your_Cash_Back_Rewards\"><\/span>Tips for Maximizing Your Cash Back Rewards<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Just earning cash back isn\u2019t enough to maximize its value \u2014 how you earn and spend it matters. Let\u2019s look at actionable tips you can use today:<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Choose_the_Right_Card_Based_on_Your_Spending_Habits\"><\/span>Choose the Right Card Based on Your Spending Habits<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Select credit cards or cash back programs that align closely with where and how you spend money. For example, if you spend a lot on groceries and gas, find a card that offers higher percentages in those categories.<\/p>\n<ul>\n<li><strong>Pro Tip:<\/strong> Use multiple cards if necessary, assigning each for specific categories to maximize total cash back.<\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"Pay_Off_Your_Balance_in_Full_Every_Month\"><\/span>Pay Off Your Balance in Full Every Month<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Cash back rewards can be negated if you pay hefty interest on revolving balances. Always aim to pay off your full credit card bill monthly to truly benefit from cash back earnings.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Keep_Track_of_Rotating_Category_Deadlines\"><\/span>Keep Track of Rotating Category Deadlines<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>If your card offers rotating quarterly categories, mark your calendar to activate those offers and plan your spending accordingly. Missing the activation window means missing out on higher rewards.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Combine_Cash_Back_With_Other_Discounts_and_Coupons\"><\/span>Combine Cash Back With Other Discounts and Coupons<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Stacking cash back rewards with coupons, sales, and promo codes lets you enjoy <em>triple savings<\/em>\u2014discounted prices plus cash back rewards plus any loyalty points.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Redeem_Strategically\"><\/span>Redeem Strategically<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Some redemption options may yield better value than others. Always compare redemption methods to get the most benefit from your cash back. For example, some cards offer bonuses for redeeming for gift cards or travel expenses.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"How_to_Use_Cash_Back_to_Improve_Your_Financial_Health\"><\/span>How to Use Cash Back to Improve Your Financial Health<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Beyond just spending or redeeming rewards, cash back can play a role in your broader financial planning.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Boost_Your_Emergency_Fund\"><\/span>Boost Your Emergency Fund<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>If you don\u2019t have a safety net for unexpected expenses, direct your cash back rewards into a savings account to build an emergency fund. Even small amounts add up over time and provide peace of mind.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Invest_Your_Cash_Back_Rewards\"><\/span>Invest Your Cash Back Rewards<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Consider investing your cash back earnings into a retirement account or brokerage account. Using this &#8220;found money&#8221; for investments can accelerate your portfolio growth by leveraging rewards that feel like free money.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Use_Cash_Back_to_Fund_Large_Purchases\"><\/span>Use Cash Back to Fund Large Purchases<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Save up your rewards intentionally to put towards larger expenditures such as electronics, home improvements, or holiday gifts, which can prevent you from dipping into cash reserves or increasing debt.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Common_Mistakes_to_Avoid_When_Using_Cash_Back\"><\/span>Common Mistakes to Avoid When Using Cash Back<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Many users make avoidable errors with their cash back rewards. Avoid these pitfalls to get the most from your cash back:<\/p>\n<ul>\n<li><strong>Overspending:<\/strong> Avoid spending extra money just to earn cash back\u2014it can backfire by increasing your debt or overall expenses.<\/li>\n<li><strong>Not Redeeming Regularly:<\/strong> Some programs have expiration dates or thresholds; make sure to redeem rewards before they expire or become dormant.<\/li>\n<li><strong>Ignoring Redemption Options:<\/strong> Don\u2019t just settle for the easiest redemption method; review options for potential bonus values or better uses.<\/li>\n<li><strong>Missing Out on Category Bonuses:<\/strong> Forgetting to track rotating categories or bonus offers reduces your earning potential.<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"How_Technology_is_Changing_Cash_Back_Usage\"><\/span>How Technology is Changing Cash Back Usage<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>New technology trends are making cash back programs even more accessible and rewarding:<\/p>\n<ul>\n<li><strong>Mobile Apps:<\/strong> Many credit card issuers and retailers provide apps that notify you of special cash back offers or allow instant redemption and tracking.<\/li>\n<li><strong>Automatic Savings:<\/strong> Some platforms automatically invest or save your cash back rewards in linked accounts without extra effort.<\/li>\n<li><strong>Customized Offers:<\/strong> Artificial intelligence-based algorithms suggest personalized cash back deals based on your spending habits.<\/li>\n<\/ul>\n<p>Embracing these technological tools can help you manage and use your cash back rewards more wisely and efficiently.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Wrapping_It_Up_Making_Cash_Back_Work_For_You\"><\/span>Wrapping It Up: Making Cash Back Work For You<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Using cash back rewards smartly means seeing them not just as free money, but as part of your overall financial strategy. Whether you choose to reduce debt, grow your savings, invest, or simply get statement credits, the key is to be intentional about your rewards. Combine strategic earning, timely redemption, and thoughtful use to maximize the real impact on your financial life.<\/p>\n<p>Remember, cash back is designed to reward your everyday spending\u2014when used wisely, it becomes a powerful tool to improve your financial well-being and stretch your dollars further. Start planning your cash back strategy today to reap long-term benefits.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-212\" src=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-content\/uploads\/2025\/04\/Thumbnail-Smart-Finance-6.webp\" alt=\"Thumbnail Smart Finance (6)\" width=\"800\" height=\"540\" srcset=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-content\/uploads\/2025\/04\/Thumbnail-Smart-Finance-6.webp 800w, https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-content\/uploads\/2025\/04\/Thumbnail-Smart-Finance-6-300x203.webp 300w, https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-content\/uploads\/2025\/04\/Thumbnail-Smart-Finance-6-768x518.webp 768w, https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-content\/uploads\/2025\/04\/Thumbnail-Smart-Finance-6-220x150.webp 220w\" sizes=\"auto, (max-width: 800px) 100vw, 800px\" \/><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Related_Articles\"><\/span>Related Articles<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ul class=\"page-generator-pro-related-links page-generator-pro-related-links-columns-1 page-generator-pro-related-links-prev-next page-generator-pro-related-links-vertical\"><li class=\"prev\">\n                            <a href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/4329\/\" title=\"What is the single biggest credit card trap for most people?\">What is the single biggest credit card trap for most people?\n                            <\/a>\n                        <\/li><li class=\"next\">\n                            <a href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/3388\/\" title=\"What is the smartest way to use cash back?\">What is the smartest way to use cash back?\n                            <\/a>\n                        <\/li><\/ul>\n<p>Our HOME in English: <a href=\"https:\/\/finance.familiaeabiblia.com.br\/\" target=\"_blank\" rel=\"noopener\">Smart Finance: Learn, Invest, and Grow<\/a><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-262\" src=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-content\/uploads\/2025\/04\/Thumbnail-Smart-Finance-56.webp\" alt=\"Thumbnail Smart Finance (56)\" width=\"800\" height=\"540\" srcset=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-content\/uploads\/2025\/04\/Thumbnail-Smart-Finance-56.webp 800w, https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-content\/uploads\/2025\/04\/Thumbnail-Smart-Finance-56-300x203.webp 300w, https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-content\/uploads\/2025\/04\/Thumbnail-Smart-Finance-56-768x518.webp 768w, https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-content\/uploads\/2025\/04\/Thumbnail-Smart-Finance-56-220x150.webp 220w\" sizes=\"auto, (max-width: 800px) 100vw, 800px\" \/><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Our_Categories\"><\/span>Our Categories:<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ul class=\"wp-block-list\">\n<li>\ud83d\udcb3 <a href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/\">Credit Cards<\/a>: Comparisons, reviews, and tips to choose the best card for your profile \u2014 cashback, travel rewards, no annual fee, and more.<\/li>\n<li>\ud83c\udfe6 <a href=\"https:\/\/finance.familiaeabiblia.com.br\/digital-banks\/\">Digital Banks<\/a>: Practical guides and evaluations of digital bank accounts, fees, benefits, and services.<\/li>\n<li>\ud83d\udcc8 <a href=\"https:\/\/finance.familiaeabiblia.com.br\/investing\/\">Investments<\/a>: Beginner guides, fixed income and variable income options, real estate investment trusts (REITs), and more.<\/li>\n<li>\ud83e\uddee <a href=\"https:\/\/finance.familiaeabiblia.com.br\/financial-education\/\">Financial Education<\/a>: Learn to manage your budget, build an emergency fund, and get out of debt.<\/li>\n<li>\ud83d\ude97 <a href=\"https:\/\/finance.familiaeabiblia.com.br\/loans-financing\/\">Loans and Financing<\/a>: Explanations about mortgage, auto, and student loans, with smart money-saving tips.<\/li>\n<li>\ud83d\udee1\ufe0f <a href=\"https:\/\/finance.familiaeabiblia.com.br\/insurance\/\">Insurance<\/a>: Information about the most important types of insurance to protect your family and assets.<\/li>\n<li>\ud83d\udcca <a href=\"https:\/\/finance.familiaeabiblia.com.br\/taxes-income\/\">Taxes and Income<\/a>: Guidance on tax filing, investment taxation, and fiscal responsibilities.<\/li>\n<li>\ud83c\udfd6\ufe0f <a href=\"https:\/\/finance.familiaeabiblia.com.br\/retirement-planning\/\">Retirement Planning<\/a>: Tips to plan your retirement with private retirement plans, Social Security benefits, and passive income strategies.<\/li>\n<\/ul>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-209\" src=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-content\/uploads\/2025\/04\/Thumbnail-Smart-Finance-3.webp\" alt=\"Thumbnail Smart Finance (3)\" width=\"800\" height=\"540\" srcset=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-content\/uploads\/2025\/04\/Thumbnail-Smart-Finance-3.webp 800w, https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-content\/uploads\/2025\/04\/Thumbnail-Smart-Finance-3-300x203.webp 300w, https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-content\/uploads\/2025\/04\/Thumbnail-Smart-Finance-3-768x518.webp 768w, https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-content\/uploads\/2025\/04\/Thumbnail-Smart-Finance-3-220x150.webp 220w\" sizes=\"auto, (max-width: 800px) 100vw, 800px\" \/><\/p>\n<h2><span class=\"ez-toc-section\" id=\"What_is_the_smartest_way_to_use_cash_back\"><\/span>What is the smartest way to use cash back?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Cash back rewards are a powerful tool for anyone looking to maximize their spending and save money effortlessly. Whether you earn cash back from credit cards, apps, or shopping portals, knowing how to use these rewards smartly can significantly boost your financial health. Instead of letting your cash back sit unused, consider strategic ways to apply it towards essentials, debt repayment, or investments. Doing so transforms simple rewards into meaningful financial gains, helping you build wealth and reduce expenses over time. In this article, we&#8217;ll dive into practical tips and real user questions, guiding you on the smartest and most effective ways to use cash back.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Smart_Ways_to_Use_Cash_Back\"><\/span>Smart Ways to Use Cash Back<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ul>\n<li><strong>Pay down high-interest debt:<\/strong> Use cash back to reduce credit card balances or loans, saving on interest costs.<\/li>\n<li><strong>Build or boost your emergency fund:<\/strong> Save cash back rewards in a separate account for unexpected expenses.<\/li>\n<li><strong>Invest in your future:<\/strong> Reinvest cash back into retirement accounts or stocks to grow your wealth.<\/li>\n<li><strong>Cover everyday expenses:<\/strong> Apply cash back to groceries, gas, or bills to lower your monthly spending.<\/li>\n<li><strong>Shop smartly:<\/strong> Use cash back on planned purchases, combining with sales and coupons for maximum savings.<\/li>\n<li><strong>Give back:<\/strong> Donate cash back earnings to charity as part of your giving strategy.<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"Frequently_Asked_Questions\"><\/span>Frequently Asked Questions<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"1_What_is_the_best_way_to_use_cash_back_rewards\"><\/span>1. What is the best way to use cash back rewards?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>The smartest way to use cash back<\/strong> is to apply it towards paying off high-interest debt, saving for emergencies, or investing. This ensures your rewards contribute to financial stability and growth rather than just extra spending.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"2_Should_I_use_cash_back_rewards_to_pay_off_credit_cards\"><\/span>2. Should I use cash back rewards to pay off credit cards?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Yes, using cash back to reduce credit card balances is a wise move because it lowers your interest charges and improves your credit score over time.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"3_Is_it_better_to_save_or_spend_cash_back_rewards\"><\/span>3. Is it better to save or spend cash back rewards?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Saving or investing cash back generally provides long-term benefits, while spending it on necessities can help reduce monthly expenses. Prioritize based on your financial goals.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"4_Can_I_use_cash_back_to_pay_bills\"><\/span>4. Can I use cash back to pay bills?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Many cashback programs allow you to redeem rewards as statement credits or deposits, effectively letting you pay bills with your cash back.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"5_How_often_should_I_redeem_cash_back\"><\/span>5. How often should I redeem cash back?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Redeem cash back as often as possible to avoid losing rewards due to expiration or account inactivity fees.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"6_Does_using_cash_back_impact_my_credit_score\"><\/span>6. Does using cash back impact my credit score?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Using cash back itself doesn\u2019t affect your credit score, but reducing your debt with it can improve your credit utilization and score.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"7_Can_cash_back_rewards_expire\"><\/span>7. Can cash back rewards expire?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Some programs have expiration dates. Always check the terms and redeem rewards before they expire.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"8_Is_it_smart_to_accumulate_cash_back_before_redeeming\"><\/span>8. Is it smart to accumulate cash back before redeeming?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Accumulating can be beneficial if your program offers bonuses on larger redemptions, but watch out for expiration policies.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"9_Can_I_combine_cash_back_with_coupons_or_discounts\"><\/span>9. Can I combine cash back with coupons or discounts?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Yes, combining cash back with coupons maximizes savings by lowering the purchase price and earning rewards simultaneously.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"10_Are_there_tax_implications_for_cash_back_rewards\"><\/span>10. Are there tax implications for cash back rewards?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Generally, cash back rewards from personal spending aren\u2019t taxable, but consult a tax professional for specific situations.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"11_How_do_I_choose_the_best_cash_back_card\"><\/span>11. How do I choose the best cash back card?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Look for cards offering high cash back rates on your most frequent purchases with no or low fees.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"12_Can_I_get_cash_back_from_online_shopping\"><\/span>12. Can I get cash back from online shopping?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Yes, many portals and apps offer cash back deals for online purchases. Link your card or shop through their platforms.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"13_Is_it_better_to_use_cash_back_or_pointsrewards\"><\/span>13. Is it better to use cash back or points\/rewards?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Cash back is more straightforward and flexible, but points may offer greater value if redeemed wisely.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"14_Can_I_donate_cash_back_rewards\"><\/span>14. Can I donate cash back rewards?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Many programs allow you to donate your cash back to charities, turning rewards into meaningful contributions.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"15_How_can_I_track_my_cash_back_earnings\"><\/span>15. How can I track my cash back earnings?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Use your credit card\u2019s online portal, mobile apps, or budgeting software to monitor and plan how to use your cash back effectively.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span>Conclusion<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><strong>Using cash back rewards wisely can significantly enhance your financial well-being.<\/strong> Instead of viewing cash back as extra spending money, think of it as a resource to pay down debt, save for emergencies, or invest in your future. Smart use of cash back helps you reduce interest costs, build financial security, and create wealth over time. It\u2019s important to redeem rewards regularly to avoid expiration and to choose redemption options that align with your goals. Whether covering everyday expenses or boosting savings, cash back is most valuable when it contributes to a strong financial foundation. By understanding the best strategies for cash back usage, you can turn simple rewards into meaningful, lasting benefits. Start managing your cash back with intention, and watch how it helps improve your financial life.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Also_discover\"><\/span>Also discover<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ul>\n<li><strong><a href=\"https:\/\/finance.familiaeabiblia.com.br\/glossary\/\" target=\"_blank\" rel=\"noopener\">Glossary Finance<\/a><\/strong><\/li>\n<li><strong><a class=\"row-title\" href=\"https:\/\/finance.familiaeabiblia.com.br\/faq-finance\" target=\"_blank\" rel=\"noopener\" aria-label=\"\u201cFAQ \u2013 Frequently Asked Questions\u201d (Edit)\">FAQ \u2013 Frequently Asked Questions<\/a><\/strong><\/li>\n<li><a href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/glossary-credit-cards\/\">Credit Cards &#8211; GLOSSARY<\/a><\/li>\n<li><a href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\">Credit Cards &#8211; FAQ<\/a><\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>What is the smartest way to use cash back? What is the Smartest Way to Use Cash Back? Cash back rewards have become one of the most popular incentives offered by credit cards and shopping programs today. Whether through credit cards, apps, or store loyalty programs, cash back is a way to earn money back &hellip;<\/p>\n","protected":false},"author":3,"featured_media":254,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[55],"tags":[],"class_list":["post-3387","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-faq-credit-cards"],"_links":{"self":[{"href":"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-json\/wp\/v2\/posts\/3387","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-json\/wp\/v2\/comments?post=3387"}],"version-history":[{"count":0,"href":"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-json\/wp\/v2\/posts\/3387\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-json\/wp\/v2\/media\/254"}],"wp:attachment":[{"href":"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-json\/wp\/v2\/media?parent=3387"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-json\/wp\/v2\/categories?post=3387"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-json\/wp\/v2\/tags?post=3387"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}