I have a CC with cashback. The money doesn't seem to go anywhere. At the end of the statement, the amount I spent on the card exactly gets debited from my checking account. The reward amount just seems to be something showing on my statement. I assume at somepoint later it will get to me? But in the meantime, how do I deal with this. It's not spendable money so I can't do RTA, and it doesn't reduce my statement balance

Which card is it in particular?

You may have to select to apply it to your statement credit or cash back in your bank account. Cash back does not get automatically applied to anything.

it's an israeli credit card issued by Cal

I can’t speak for Israeli cards but this is pretty standard with US cards

ok, it seems that the only thing I can do with it is get some kind of gift card...

That also makes sense

so I guess what I can do is make an account for this, and just add the cashbacks to that account, instead of CC

Personally I would look at it as if you found cash and use it to offset a different budget item. For example, if you can buy a gift card that goes toward grocery, just take away the $ amount you would get and apply it somewhere else. If you can get $20 in gift card at a grocery store, move $20 from your grocery budget to another category

well i suppose i would like to keep track of the balance somewhere in ynab? so I don't have to keep going to the website to see what it is

If you want. I would love at it like you found cash on the floor, would you put that in YNAB? You can do what you’re saying though as well.

the amounts are significantly more than that i'd find on the floor :)

lol even if I found $100 on the floor I wouldn’t put it into YNAB. I would use that for gas or something and move electronic money I had out there. Sounds like whatever you do is good though!