category for a cash back reward for old Ynab

I have the desktop YNAB version 4.  How do I categorize a cashback award that AMEX credited to me?  The old YNAB does nto appear to have a "To be budgeted" category and I couldn't find the answer for YNAB 4.

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    • nolesrule
    • Stealing From the Future fix is an improvement but is incomplete....
    • nolesrule
    • 10 days ago
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    Same category you would use for any other income. Income for this month (October) or Income for Next month (November).

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    • nolesrule even though it's just a credit applied to my credit card?  the cash was not actually put into my checking account - it was just applied to my balance.

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      • nolesrule
      • Stealing From the Future fix is an improvement but is incomplete....
      • nolesrule
      • 10 days ago
      • 2
      • Reported - view

      Ivory Hammer Yes.

      If you aren't carrying debt, then you've reduced the balance on the card, so that's less money in your bank needed to pay back purchases on the card, so you can use it however you like in your budget.

      If you are carrying debt, then you would use it to reduce the carried debt on the card by budgeting it to the Pre-YNAB Debt category.

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