> Credit card cash back isn't still a thing in EU (or at least Germany) They will never be a thing in EU, under the current regulations. Cash back work becaus

> Credit card cash back isn't still a thing in EU (or at least Germany) They will never be a thing in EU, under the current regulations. Cash back work because in the US credit cards charge very high transaction fees. IE: every time you make a payment, a portion of it goes to the credit card company. The The credit card company then gives some of that back to you (hence the name) to push you to use their cards instead of the competitors. By law, the transaction fees in Europe are really low, so the credit cards company have nothing to give back to you. Credit card is also a far less profitable business in Europe than it is in the US, that is why you see far less ads for credit cards offers.