Earn money back on your mirror card payment with Qonto's cashback program 💪
Get rewarded automatically with a percentage of your card spending credited back into your account each month. With the Mirror card, you earn 1% cashback on eligible transactions, up to €30 per month at the organization level. Cashback is calculated daily on eligible transactions and paid automatically on the 1st of each month.
Cashback is available to all Mirror cardholders and activates automatically when you receive your card.
☝Note that only account owners and admins can access the in-app cashback page.
What is the Mirror card cashback rate and how does it work?
The Mirror card earns 1% cashback, up to €30/month at the company level.
You don't need to enable any settings or opt in to start earning. As soon as you make your first eligible payment, cashback begins accumulating in real-time as transactions settle throughout the month.
Understanding the cap: The monthly €30 cap applies at the company level, not per individual card. This means if your organization has multiple Mirror cards, all cards collectively earn cashback until the organization reaches the €30 monthly limit.
☝️Important: The €30 cap is not cumulative across multiple cards. Once your organization reaches the €30 cap, no additional cashback is earned that month, regardless of how many Mirror cards are active.
For example, if your organization has three Mirror cardholders, they all earn 1% cashback on their eligible purchases. Once the combined earnings from all three cards reach €30 in a given month, cashback accumulation stops for the remainder of that month. Your cap resets on the 1st of the next month, and you start earning cashback again up to 30€.
You earn cashback on each eligible transaction as soon as it's fully processed.
How do I track my cashback earnings?
You can monitor your cashback progress in real-time throughout the month.
On 📱 mobile: Check your cashback directly from the dedicated home screen widget for quick access, or go to your card section and select Additional benefits > Cashback.
On 💻 web: Go to your card section and navigate to Additional benefits > Cashback.
The cashback progress bar shows you exactly how much you've earned in the current month.
Your cashback counter resets to zero on the 1st of each month when your previous month's cashback is paid into your account.
When and how do I receive my cashback?
Your cashback is paid automatically to your main account on the 1st day of each month. This payment includes all eligible transactions from the previous month (from the 1st to the last day of the month).
The cashback payment appears as an internal transfer on your bank statement, labeled clearly so you can easily identify and track it. You don't need to request the payment or take any action—it's completely automatic and requires no intervention from you.
The amount paid corresponds exactly to what you see in your cashback progress bar at the end of the previous month.
Once paid, that amount is immediately available in your account and can be used for any business expenses or transactions.
Which transactions don't earn cashback?
Most card payments earn cashback, but certain transaction categories are excluded to comply with regulatory and business requirements.
Excluded transaction types include:
- ATM withdrawals and cash advances: Any cash withdrawal from ATMs
- Gambling and betting services: Casinos, lottery, sports betting, and similar activities
- Certain financial services and money transfers: Wire transfers, currency exchanges, and money transfer services
- Government services and fines: Tax payments, fines, penalties, and government fees
These exclusions are based on Merchant Category Codes (MCCs) assigned to merchants by payment networks. When you make a purchase at an excluded merchant, the transaction processes normally but doesn't contribute to your cashback earnings.
For the complete list of excluded Merchant Category Codes (MCCs), refer to our Terms and Conditions.
What happens if I receive a refund or a chargeback?
If you dispute a transaction and the chargeback is approved, the corresponding cashback is automatically deducted from your running total.
- If the chargeback is confirmed the same month as the original transaction: The cashback is simply removed from your month's earnings, nothing appears in your monthly statement.
- If it is confirmed in a different month: The cashback is deducted from your main account balance. The adjustment appears as a Cashback Adjustment line in your monthly statement.
Since chargebacks require an investigation that can take several weeks, the cashback deduction only happens once the chargeback is confirmed, not when the dispute is opened. If the chargeback is rejected, no adjustment is made.
Refunds: The same logic applies. When a transaction is refunded by the merchant, the cashback deduction happens immediately when the refund is processed.
Do purchases made via Apple Pay or Google Pay earn cashback?
Yes. If your Mirror card is linked to Apple Pay or Google Pay, eligible purchases made through these wallets earn 1% cashback. The same eligibility criteria and exclusions apply.