>>18702542
What country do you live in where you dont have CC with cashback? Basically you earn a return % everytime u charge the card. Mine is 1.5%, alot get %2. So for every $100 I charge, I receive $1.50 back. APR is the interest rate to the balance on your CC, but it doesn't get tacked on immediately, generally 20 something days after. If you constantly pay off your balance, you don't pay interest, so your CC is essentially a debit card that earns you cashback. Make sense?