> ## Documentation Index
> Fetch the complete documentation index at: https://help.dash.fi/llms.txt
> Use this file to discover all available pages before exploring further.

# Earning rewards

> How cashback rates, spend categories, and interchange qualification work on Dash.fi cards.

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%      |

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](#qualified-vs-non-qualified-interchange) below.

## 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.

<Info>
  If you notice unexpected cashback adjustments on a quarterly statement, your account manager can walk through the interchange breakdown for each card.
</Info>

## 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](/rewards/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.