When shopping in France, you can now request cash back. Following the European Payment Services Directive (DSP2), the French National Assembly amended the law to allow retailers to offer an additional service to their customers: cashback. Secretary of State for Economic Affairs Delphine Gény-Stéphann stated that this measure would allow retailers to attract more consumers and offer better access to cash to citizens living in remote areas.

There are about 850 ATMs per million people in France. This number is much lower than its European counterparts like Spain, Portugal and Luxembourg, where there are 1,000 per million.

The French tend to withdraw more money in value at each ATM visit, but they also go to the cash machine less frequently than their European counterparts. 

Are you looking for the best cashback cards in France? We found six credit cards that offer cash back. Here you can compare the best cash cards and benefits.

Introduction 

Is it nice to pay for your items regularly and be compensated for your actions? Several credit cards will reward your loyalty.

What Is A Cashback Credit Card All About?

To encourage you to use the credit card, banks will offer you benefits such as small reimbursements on your purchases. You are reimbursed on your card as you pay, with vouchers typically worth 1% or 2% of the purchase price. The reimbursements may be effective only within certain merchant networks, and the vouchers may also be spent within those networks.

What Are The Benefits And Disadvantages?

It is worth noting that more expensive credit cards provide access to larger reimbursements to a broader network of merchants where you can take advantage of this benefit. To be reimbursed, you must purchase an item which can promote consumerism to some extent. If you select to pay in instalments, the interest you will pay on the purchases may exceed the cashback bonus you will receive, so make your calculations carefully.

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The Benefits

  • You are rewarded for your typical purchasing habits.
  • You will be reimbursed on your card for a percentage of the cost of the item purchased.
  • You can use the savings later, primarily within the same merchant network.

Our Advice

This card entitles you to numerous benefits. However, you must properly balance the individual benefits you will receive from the card and the extent to which it is appropriate for you with the costs added by the interest you will eventually pay when using the card.

Best Cashback Credit Cards in France

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American Express Green

Costs:

95 euros/year

Functionality

  • Insurance
  • Best deals
  • Fidelity bonus
  • Discounts
  • Cashback

Benefits

  • Welcome offer includes 1st year free + 10,000 loyalty points
  • You can pay your expenses with the points you collected
  • Membership Rewards include 1 euro spent = 1 point earned
  • Throughout the year, take advantage of attractive offers in a variety of stores: discounts, Membership Rewards® bonus points and shopping evenings
  • Take advantage of presale tickets for the biggest concerts and get the best seats all year.
  • Benefit from a variety of Travel Insurance (Travel Accident Insurance, Travel Accident Insurance, Card Loss, Theft Guarantee or Travel Assistance)

American Express Gold

Costs:

185 euros/year

Functionality

  • Insurance
  • Best deals
  • Fidelity bonus
  • Warranty
  • Discounts
  • Cashback
  • Purchase protection

Benefits

  • Welcome offer includes 1st year free + 20,000 loyalty points offered
  • You can pay your expenses with the points you collected
  • Membership Rewards include 1 euro spent = 1 point earned
  • Collect your points indefinitely and choose your gifts from various domains whenever you want: luxury, high-tech, gastronomy, travel, shopping.
  • You can enjoy great freedom of payment with a deferred payment extension for up to 30 days
  • You will be able to access a free additional card
  • Presales for the most important events
  • You will be able to access attractive offers in many stores throughout the year: Membership Rewards® bonus points, reductions, and shopping evenings
  • You will be able to access a full variety of Insurance (Rental Vehicle Guarantee, Trip Cancellation and Carryover Insurance, Travel Incidents, Purchase Protection Guarantee, Snow and Mountain Assistance, Card Loss or Theft Guarantee)

American Express Platinum

Costs:

660 euros/year

Functionality

  • Insurance
  • Best deals
  • Fidelity bonus
  • Warranty
  • Discounts
  • Cashback
  • Purchase protection

Benefits

  • WELCOME OFFER: € 150 reimbursed from € 1,500 spent
  • You will have VIP access to the biggest musical and sporting events
  • Your tailor-made concierge 24/7
  • Access to the best tables in restaurants
  • Presales for the most anticipated concerts
  • You will be able to access over 1,200 airport lounges
  • You will be able to enjoy exclusive benefits in more than 1,000 hotels chosen by American Express
  • Rental of upgraded vehicles (Hertz Five Star, Avis Preferred)
  • Travel agency dedicated 24 / 7
  • The American Express loyalty program gives you points with each purchase
  • You can request a maximum of 4 additional Gold Cards free of cost for life.
  • Throughout the year, take advantage of attractive offers in a variety of stores: Membership Rewards® bonus points, reductions, and shopping evenings
  • You can give your spouse another free Platinum Card
  • Benefit from a maximum range of Insurance (Rental Vehicle Guarantee, Cancellation and Deferral Insurance, Medical Assistance and Medical Expenses, Snow and Mountain Assistance, Travel Incidents, Purchase Protection Guarantee)
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Floa Bank MasterCard Casino

Costs:

15 euros/year

Functionality

  • Best deals
  • Free withdrawal
  • Payback in instalments
  • Cashback
  • Fidelity bonus

Benefits

  • You will get a loyalty of 1% accumulated on payments made at a Casino and everywhere else
  • You can earn cashback on your purchases with the FloaBank Cdiscount credit card. There is more info on floabank.fr.
  • You can make payment in cash, on credit or in instalments
  • You will get free withdrawals from CIC ATMs and CrĂ©dit Mutuel 
  • Contactless payments up to € 50
  • You don’t need to change your bank
  • You can pay for purchases online and in-store with the iPhone device through Apple Pay.
  • The Cdiscount credit card is connected to an annual credit renewal. At the time of payment, it can be used to pay from a current account or on credit.
  • You can use the Cdiscount card to pay multiple times in CD or casino stores or spread out your payments.
  • The Cdiscount credit card is connected to an annual credit renewal. At the time of payment, it can be used to pay from a current account or on credit.
  • You can use the Cdiscount card to pay multiple times in CD or casino stores or spread out your payments.

Floa Bank MasterCard Gold

Costs:

54 euros/year

Functionality

  • Insurance
  • Best deals
  • Free withdrawal
  • Fidelity bonus
  • Payback in instalments
  • Purchase protection
  • Warranty
  • Discounts
  • Cashback
  • Cash reserve

Benefits

  • Get loyalty of 2% accumulated on Cdiscount and Casino purchases and 1% on payments made in all other places.
  • You can earn cashback on purchases with the FloaBank MasterCard Gold credit card.
  • Travel insurance, leisure insurance, shopping insurance, and loss and theft insurance for your card
  • Free withdrawals in the eurozone
  • Best price guarantee on all purchases; if you find it cheaper elsewhere, they will refund the difference.
  • Contactless payments up to € 50
  • Priceless Mastercard Program, up to 15% off purchases on partner sites such as clothing, IT, travel, beauty, and home.
  • Apple Pay – pay for purchases with the iPhone device.
  • The Cdiscount credit card is connected to an annual credit renewal. At the time of payment, it can be used to pay from a current account or on credit.
  • You can use the Cdiscount card to pay multiple times in CD or casino stores or spread out your payments.

Floa Bank MasterCard CDiscount

Costs:

15 euros/year

Functionality

  • Insurance
  • Best deals
  • Free withdrawal
  • Fidelity bonus
  • Payback in instalments
  • Discounts
  • Cashback

Benefits

  • Welcome offer of up to 30% off the first Cdiscount order
  • Cashback 1% of all card payments are converted into vouchers.
  • ATM withdrawals from CrĂ©dit Mutuel and CIC are free.
  • Insurance and assistance are included with your MasterCard and Cdiscount purchases.
  • You can make payment on credit, in cash, or instalments
  • Payment facilities on cdiscount.com: you can pay cash or 5, 4, 3 or 10 times
  • The Cdiscount credit card is connected to an annual credit renewal. At the time of payment, it can be used to pay from a current account or on credit.
  • You can earn cashback on your purchases with the FloaBank Cdiscount credit card.
  • You can use the Cdiscount card to pay multiple times in CD or casino stores or spread out your payments.
  • Contactless payments up to € 50
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Is It Worth It To Sign Up For A Cashback Card In France?

If you use the cashback card in France regularly, it is well worth it. With the standard cashback card, you may accumulate enough points to cover a partial or full purchase at a partner store. If you get the cashback American Express card, you can maximise your chances of earning more points.

Conclusion

If you frequently shop at cashback-related stores and enjoy collecting points, you should consider applying for cashback credit cards. Consider applying for the cashback American Express card to fully utilise the cashback programme and increase your chances of earning points.

Signing up for the cashback programme and redeeming your points is simple, and as a customer, you have the option of accepting or rejecting cashback requests to track and use your data for marketing research. So the decision is entirely yours!