Please choose the correct ending to complete the given sentence: Finance and Business: [header] How to use cash back credit cards [title] Understand how cash back credit cards work. [step] Cash back credit cards allow users to earn points on qualifying purchases. These points are determined using a percentage of net expenditures, which are total expenditures minus any refunds.

Ending1: While transactions may seem like a good idea at times, they are easier and more effective when put into context. From these numbers, the ideal credit card is a credit card. Ending2: For example, a total gain of $375 a month can be assessed as a percentage of net expenditures. If the result is unexpected or does not exceed or equal an extra amount, credit cards only have one percentage of net expenditures. Ending3: Points may be awarded differently for different types of qualifying purchases. In most cases, points may also be used for other benefits, like airline miles or gift cards. Ending4: With this score, you're able to put any good spending or savings from a paycheck into an account instead of spending cash in cash. Therefore, cash back credit cards are the best way to earn points.

Answer format: ending1/ending2/ending3/ending4