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Personal FinanceNov 18, 20253 min read

Stop Leaving Money on the Table: The Power of Cashback

D
David Kim
Wealth Planner

It's Your Money

Merchants build credit card processing fees into their prices. If you pay with cash or a standard debit card, you're paying for a benefit you aren't receiving. Earning cashback is simply reclaiming the money that's already yours.

The Compound Effect

Saving $5 here and $10 there might not seem like much. But over a year, consistent 5% savings on a $30,000 spend is $1,500. Invested over 10 years, that 'small change' becomes a significant asset.

Automating Savings

The best savings strategy is one you don't have to think about. By making SparkWallet your default payment method, you're automating a 5% discount on your life.