Let's say you eat out with someone at a participating restaurant just once a month for lunch and dinner. If the average bill is $30 for lunch and $60 for dinner, the 10% cash back earns you $108 ($36 for lunch and $72 for dinner). Add in some shopping, say $80 every other month and now you're at $156 in saving for the year. If you tend to eat out or shop more then your savings will be higher. Discover restaurants and stores near you.