지난해에 53뱅크에서 받은 캐쉬백이 마음이 찜찜해 53뱅크에 물어봤습니다.

시큐어드 메세지를 보내니, 리워드 센터로, 그리고 커스터머 센터로, 그리고 다시 크레딧카드 센터로..

결국은 아무도 모른다;;;

그래서 찾아보았데 너드월렛에서 마음에 드는(!) 답변을 찾았습니다.

https://www.nerdwallet.com/blog/credit-cards/credit-card-rewards-taxable/

In general, credit card rewards are viewed by the IRS as a discount, not income. So if you’re getting 2% cash back, that would be considered a 2% discount on your purchases. Discounts aren’t taxable, so you don’t need to keep track of your credit card rewards for tax time. However, this is only the case for most credit card issuers, not all.

With the introduction of large sign-up bonuses on credit cards, some issuers have begun adding a disclosure to the credit card agreement that your rewards may be reported as income to the IRS, generally if you get over a certain dollar amount back in rewards. If this is the case, you’ll receive a 1099 MISC form that you’ll need to report the rewards as income for tax purposes. Check your credit card agreement to see if your rewards will be affected.

2014년 게시물이긴한데요. 크레딧카드 사용으로 받는 리워드는 일종의 할인으로 본다고 하고 만약 카드약관에서 '텍스보고할지도 몰랑'이라고 하면

1099MISC를 받게 될거라는데요. 혹시 명쾌한 해답이 있으신분 계실까요?