Cashback credit cards in Andorra typically return a percentage of the amount spent, either as direct cash, statement credit, or account balance reduction. The structure can vary significantly. Some cards offer a flat cashback rate on all purchases, making them simple and predictable. Others use category-based rewards, offering higher cashback on specific areas like groceries, fuel, dining, or online shopping. In some cases, banks may impose caps on how much cashback can be earned monthly or annually. There may also be minimum spending thresholds to unlock higher cashback rates. These structures are designed to encourage regular usage in specific categories. Therefore, cashback cards are most beneficial for individuals with consistent, everyday spending patterns, as they provide tangible and easy-to-understand rewards without requiring complex redemption processes.