1. "5x back" is marketing talk off some base value of some other card that bank has - cannot really determine what it is without reading the fine print. 5% back is exactly that, for every 100 dollars you spend, you get 5 dollars to spend for free.

  2. Typically, "5x" means that you get five "points" per dollar spent. It's still five percent of your purchase, but as points instead of as dollars.

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