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.
Rates by category
| Category | Standard rate |
|---|
| Ad spend | 3% |
| Shipping | 3% |
| AI and LLM services | 3% |
| All other purchases | up to 2% |
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.
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.
If you notice unexpected cashback adjustments on a quarterly statement, your account manager can walk through the interchange breakdown for each card.
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.
No cap, no expiry
There’s no ceiling on how much cashback you can accumulate, and rewards don’t expire under normal account activity. 