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Cash Back Credit Cards: How Do They Work? (EXPLAINED)Worried about Speedway - 2% Cash Back on your credit card? SimplyWise tells how to tell if this is fraud | SimplyWise. The extra 60 typically won't be refunded here in the US instantly. Next business day. Takes even longer for a debit card. Merchants can offer cash back on debit card (PIN authorized) sales, but they cannot do so for a credit card (or a debit card if the PIN is not.