Cash back credit cards reward you by refunding a percentage of your purchases made using the card. You can use this refund as a credit towards your monthly balance or as cash deposited into your bank account. Some cards offer a flat percentage on all purchases, while others offer higher percentages on select categories.
Of course, they wouldn’t be doing this if you weren’t paying them at least the refunded amount somewhere else - through fees, or through people’s average interest payments, or through price increases applied by the stores to cover the fees they pay to the credit card companies.
I’m not the person you were asking, but:
Source: https://www.ratehub.ca/blog/best-cash-back-credit-cards-in-canada/
Of course, they wouldn’t be doing this if you weren’t paying them at least the refunded amount somewhere else - through fees, or through people’s average interest payments, or through price increases applied by the stores to cover the fees they pay to the credit card companies.