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2022 台灣信用卡推薦：現金回饋是什麼？無腦首推哪一張？
2022年市面上的信用卡產品不斷推陳出新，各家優惠和遊戲規則衆多，免年費、現金回饋、首刷禮、綁定數位消費到底哪個好，我的神卡也可能是你的普卡，其實都端看自己平常的消費習慣爲何。
2022年市面上的信用卡產品不斷推陳出新，各家優惠和遊戲規則衆多，免年費、現金回饋、首刷禮、綁定數位消費到底哪個好，我的神卡也可能是你的普卡，其實都端看自己平常的消費習慣爲何。
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這篇文章整理出2022年最推薦的現金回饋信用卡，讓你無腦刷也有優惠，不用特地爲了某些消費，而辦那麼多張卡。
這篇文章整理出2022年最推薦的現金回饋信用卡，讓你無腦刷也有優惠，不用特地爲了某些消費，而辦那麼多張卡。
什麼是現金回饋？
現金回饋信用卡換算規則較簡單，可以直接折抵帳單金額，一點抵一元，而不同於里程卡或紅利卡，需要拿點數兌換。然而，要注意的是，並不是所有消費都能得到回饋，像是悠遊卡加值、稅費、帳單繳費、信用卡年費…等等，回饋內容還是需要視各家銀行條款爲準。
2022 高現金回饋信用卡：國內一般消費
現金回饋型的信用卡，優惠條件一般除了會區分國內及國外消費外，有時還會再細分消費通路，甚至綁定的電子支付方式，對於沒時間研究細部條款的消費者，這張可以無腦放心刷，回饋方式直觀又簡單。
2022 高現金回饋信用卡：海外一般消費
海外消費的現金回饋，通常會比國內消費來得高，但同時要注意海外交易都會有的1.5%手續費，所以挑選海外現金回饋的信用卡時，要挑選至少有1.5%以上的回饋%才划算。
2022 高現金回饋信用卡：特定通路消費
有些銀行與特定消費通路合作，推出比一般消費高出許多的回饋%，最高可達20%，不過一般都有回饋上限，或是指定的消費方式，比較適合每月有固定特定類型支出的消費者。
2022 高現金回饋信用卡：特定行動支付消費
特定電子支付優惠型的信用卡，即需要將信用卡綁定特定的行動支付方式，使用行動支付來消費，或是在特定的電子通路消費。
總結
其他優惠的信用卡還有很多，以上僅舉例列出不同的消費類型和習慣可以怎麼選擇。現金回饋型的信用卡，大多只有一般消費有優惠，自動加值、帳單代繳等選擇較少，且回饋金額一般設有上限，或是需要特別上網登錄消費，建議持續觀望2022下半年，衆銀行是否會再推出更便利使用的信用卡。
