Part 1. Why can't I withdraw my cashback?
You still earn cashback on the same purchases. What changes is when you can withdraw it: you need at least €200 of everyday card spending in the last 30 days.
1.1 What's changing, and when it starts for you
Spend €200 to unlock. You can withdraw your cashback while you've spent at least €200 on everyday purchases with your Bleap card in the last 30 days. That's about €50 a week.
Everything unlocks together. Once you reach €200, all your cashback can be withdrawn.
Cashback can expire. If you were withdrawing and drop below €200, you have 37 days to get back there: 7 days of grace, then a 30-day countdown. If you've never reached €200, you have 67 days from your first card payment that earns cashback. After that, cashback you haven't withdrawn expires. We'll remind you before it happens. See 1.4 What happens if you don't reach €200.
No more yearly caps. Limits are now monthly only. See Part 2. What are the cashback rates and limits?
If you… | The new rules apply… |
Joined Bleap on or after 10 November 2026 | Straight away, from your first card payment that earns cashback. |
Were already a Bleap user | From 10 December 2026. Until then, you can withdraw as usual. |
Existing users on 10 December: if you've spent €200 on everyday purchases in the previous 30 days, you can keep withdrawing as normal. If not, you have 30 days (plus 7 days of grace) to get there. From 10 December, the new rules apply to all cashback in your balance, including cashback earned before that date.
1.2 How to unlock and withdraw your cashback
Pay with your Bleap card for everyday purchases. See 1.3 What counts as everyday purchases.
When they add up to €200 in 30 days, your cashback unlocks.
Withdraw all your cashback to your Bleap Wallet. You can make up to 5 cashback withdrawals in any 30 days.
How the 30 days work. It's not a calendar month. Every day, we look at the last 30 days. New purchases are added once they settle, and purchases older than 30 days drop out.
Example: You spent €120 on 1 March and €100 on 15 March, so on 20 March you're at €220 and can withdraw. On 31 March the €120 drops out and you're at €100, so you'll need to spend a bit more.
Good to know
You keep earning cashback the whole time, even when you can't withdraw.
The €200 isn't a fee. It's your own spending, and you keep everything you buy.
New users: your 30 days start with your first card payment that earns cashback, not when you sign up.
1.3 What counts as everyday purchases
Counts: supermarkets, restaurants and cafés, shopping, pharmacies, travel and anything else that earns the standard 1% cashback.
Doesn't count: subscriptions, rides and food delivery that earn their own rate (Claude, ChatGPT, Netflix, YouTube, Uber, Glovo and similar), cash withdrawals, card-to-card transfers and refunds.
1.4 What happens if you don't reach €200
You never stop earning cashback. If you're below €200, you move through these periods:
Period | Can you withdraw? | When it applies |
Initial period | No | From your start date until you first reach €200: 30 days, followed by a 7-day grace period. |
Withdrawal period | Yes | While you've spent €200 or more in the last 30 days. |
Grace period | Yes | For up to 7 days after you drop below €200, if you could withdraw before. |
Countdown period | No | 30 days, starting when the grace period ends. |
Expiry | No | When the countdown ends without reaching €200. |
How long do I have?
If you've never reached €200 (for example, you're new): 30 + 7 + 30 = 67 days from your start date.
If you were withdrawing and drop below €200: 7 + 30 = 37 days from the day you drop below.
Examples
You only use the card for subscriptions, deliveries and rides. For example, you pay for Claude and Netflix and earn 20% on them, but spend nothing else. Subscriptions don't count towards the €200. To keep using the programme, start using your card for everyday purchases. A weekly grocery shop of €50 gets you to €200.
Your spending drops. You usually spend €250 a month, but the last 30 days come to €120. You have 7 days to get back above €200. After that, you continue to earn cashback, but withdrawals are blocked and a 30-day countdown starts. Spend €200 again and everything resumes. If the countdown ends, cashback you haven't withdrawn expires.
Want to start using it again? Spend €200 on everyday purchases within 30 days and withdrawals turn back on. You never stop earning cashback: every eligible purchase keeps earning, even while withdrawals are blocked.
When cashback expires. All cashback you haven't withdrawn is removed and can't be restored. Cashback you've already withdrawn to your Bleap Wallet is never affected. You keep earning, and a new period starts with your next card payment that earns cashback.
We'll remind you in the app and by push notification before your grace period ends and before your cashback expires.
1.5 Still can't withdraw?
You haven't reached €200 in the last 30 days. If you think you have, check whether:
some purchases were subscriptions, rides or food delivery, which don't count
some purchases were cash withdrawals, card-to-card transfers or at a merchant that doesn't earn cashback
some payments are still pending (they count once they settle)
older purchases have dropped out of the last 30 days
a purchase was refunded
About refunds: a refunded purchase is removed from your total, and its cashback is reversed. If that takes you below €200, your 7-day grace period starts. Example: you spent €230, then returned a €60 jacket, so you're now at €170. Spend €30 more within 7 days and you can keep withdrawing.
Your cashback expired. See 1.4 What happens if you don't reach €200.
You've used your 5 withdrawals. You can make up to 5 cashback withdrawals in any 30 days. See What is the cashback withdrawal limit?
Your cashback hasn't been credited yet. Cashback is added once the purchase settles.
Part 2. What are the cashback rates and limits?
If a completed purchase didn't earn the cashback you expected, it's usually because of the type of purchase or a limit.
2.1 Purchases that don't earn cashback
Excluded categories, such as gambling, taxes and utilities.
Transfers and top-ups, because they aren't card purchases.
ATM and cash withdrawals.
Payments through Curve.
The part of a payment above its limit. See 2.2 Cashback rates and limits.
Refunded or cancelled purchases. Their cashback is reversed.
Cashback is only added once the transaction is completed, so pending payments show their cashback once they settle.
2.2 Cashback rates and limits
Limits apply to the payment amount that earns cashback, per transaction and/or per calendar month. There are no yearly limits. Where a category lists several merchants, each one has its own limit.
Category | Merchants | Cashback | Limit (payment amount) |
Everyday | All eligible merchants | 1% | €600 per transaction; €3,000 per month |
Rides | Uber, Bolt | 3% | €60 per transaction; €600 per month |
Food delivery | Just Eat, Deliveroo, Uber Eats, Glovo, Bolt Food | 3% | €60 per transaction; €600 per month |
Streaming | Netflix, YouTube Premium, Amazon Prime, Disney+ | 20% | Per month: Netflix €24; YouTube €16; Amazon Prime €5; Disney+ €16 |
AI | ChatGPT, Gemini, Claude | 20% | Per month: ChatGPT €23; Gemini €23; Claude €22 |
Gaming | Xbox Game Pass, Twitch, PlayStation Plus, Nintendo, Steam | 20% | Per month: Xbox Game Pass €35; Twitch €35; PlayStation Plus €19; Nintendo €4; Steam €10 |
AI subscriptions earn 20% on up to one monthly plan per month. A yearly plan earns 20% on the monthly amount only, so paying monthly gets you the most cashback.
Cashback is paid in USDC to your cashback balance.
Full details are in our Cashback Terms. If something still looks wrong, contact us through the in-app chat.