Cash back credit cards can save a lot of pocket money. Literally, you may think that cashback credit card means cashback, but it's not that simple. There are very few credit cards that can be cashed directly. At most, the cashback activities of designated merchants are held occasionally within a limited time. Long-term cashback credit cards refer to two types of credit cards.

One is the cashback credit card that is closest to cashback, which reduces the consumption amount by swiping the card or returns a certain percentage of rebate to the corresponding account. "Return interest money" has different names in various banks, and is generally used to deduct bills instead of "cash back".

One is a credit card with cashback points, which generally comes with the benefit of N times accelerated points. Credit card points can be quickly accumulated by swiping the card, and the credit card points can be exchanged for physical gifts or virtual gifts such as airline miles and hotel points.

Guangfa American Express life+Card is an online cashback credit card, giving consideration to the right to redeem points. Its main advantages are as follows:

1, the annual fee is unconditionally waived in the first year, and it can be waived in the second year if it meets the requirements.

2. Online shopping with life+card is equivalent to 1% cashback, and 0.3% with Yao Hong card. Consumer cashback platforms are extensive and daily, such as group meals, hungry, public comments, playing cat's eye, hornet's nest, buying with JD.COM and Mao Chao, paying with WeChat and Alipay, which can be basically used in daily life. It is very practical for people who shop online a lot.

3. Enjoy the right to redeem points, such as VIP lounge of airport high-speed rail, car wash service, domestic shuttle service, etc.