Earning rewards

Dash.fi cashback is earned on net qualified spend each month. The rate is determined by the spend category — there’s no tiered volume model, no enrollment required for the standard rates.

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Rates by category

Your actual rates are defined in your account’s rewards terms and may differ. Rates are set at the account level — not per card and not per merchant — so you can’t change the rate on an individual card. The “All other purchases” rate isn’t fixed at 2% on every merchant — your effective cashback depends on the interchange the transaction generates. See Qualified vs. non-qualified interchange below.

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Monthly qualification

To earn rewards in a given month, your total spend across all Dash.fi cards must meet the minimum monthly threshold. Months below the threshold don’t accrue cashback.

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Qualified vs. non-qualified interchange

Your cashback is tied to interchange — the fee paid by the merchant’s bank on each transaction. A transaction is qualified when it generates interchange at or above the Mastercard standard rate for the category. To maximise qualified interchange:

• Match each card’s configured vendor to the merchant you’re actually charging. A card assigned to “Meta” used for Google Ads will likely generate non-qualified interchange.
• Create a separate card for each ad network or major vendor — one card per purpose.

When interchange settles below the standard rate, Dash.fi provides cashback minus the difference. This affects a minority of transactions and is more common on certain ad networks.

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Rewards schedule

Rewards accrue monthly. Payouts are processed by Dash.fi on the schedule defined in your rewards terms — the frequency and timing vary by account. See Redeem cashback for details.

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No cap, no expiry

There’s no ceiling on how much cashback you can accumulate, and rewards don’t expire under normal account activity.