8%。 The cashback ratio of overseas transactions varies from bank to bank. The types and activities of bank credit cards are not allowed, so the cashback ratio is different. Take China Construction Bank's Longka Credit Card 202 1 cashback activity as an example: UnionPay cards only participate in the first two quarters, and VISA and JCB cards are used throughout the year. Every quarter, users' Longka credit cards in China and consumption abroad have accumulated an equivalent of 20,000 yuan, and they can get 8% cash back of the designated Longka credit card consumption amount (including online and offline transactions) in this quarter. The maximum cash back amount of VISA channel is $65,438+000 per quarter, JCB channel is RMB equivalent, and UnionPay channel is RMB equivalent in 700 yuan.