Is it permissible to benefit from cashback offers from a non-Islamic bank, such as receiving a certain amount back when spending a specified sum of money via a credit card, or receiving a percentage back on expenses when spending in a foreign currency?

"An uncovered credit card must be free of issuance, renewal, or withdrawal fees exceeding actual costs, and free of a late payment penalty clause. If it is permissible, then there is no harm in benefiting from "cashback" offers, because the preponderant opinion is that it is permissible to agree to repay a loan with less than what was taken, which is the opposite of usury and falls under the category of facilitation."