The term "cashback" refers to a feature or benefit offered by some businesses or credit cards where you can get a certain percentage of the money you spent back as a refund. Full definition
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For example, you can get a rewarding cashback card with no annual fee if your credit is good or excellent. (creditcards.com)
They also promise hundreds in monthly cashback bonuses for referrals, but I doubt anyone will be able to get any of that. (dannydealguru.com)
I think credit union is better because it has has no annual fee credit cards with cashback rewards and it is easy to qualify for their fee waiver and highest tier of checking services. (moneystepper.com)