Interactive 1% Cash Back Calculators for Reward Cards

1% Cash Back Calculator

1% Cash Back

Calculate cash back using the 1% cash back calculator, get the results, and compare side by side airline, hotel, and cash back rewards cards.


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The 1% Cash Back Calculator will calculate the amount of cash back you will receive for any amount you enter. You can then use that amount and compare it to over 100 other credit cards covering airline, hotel, and bank rewards credit cards. Happy Calculating!

What is 1% Cash Back?

When a rewards card or program is offering 1% cash back, it means that you will earn 1 cent for every $1 you spend. You can easily calculate 1% cash back by multiplying 0.01 by the amount you plan on spending. For example, if you want to know how much cash back you'll earn for spending $1,000, it would be $1,000 x 0.01 which equals $10. But no need to pull out your handy-dandy calculator because you can scroll to the bottom of this page to input your spend and we will take care of the number crunching for you!

Perks Of This 1% Cash Back Calculator

This 1% cash back calculator allows you to plug in your spend to see how much you can earn at this rate. You have the ability to add and remove categories so that you can see how much cash back you can get for each specific category by month or year. All spend values that you enter into this 1% cash back calculator will carry over to every credit card calculator this site covers. This means you can jump to any cash back card, any hotel loyalty credit card, any airline credit card... any card we cover on this site and it will automatically calculate the rewards based on the same spend. Each calculator will also have the ability to toggle annual fees, assign cash values to perks, calculate the cost for additional authorized card users, and much more.

and Card Value Calculator

You can use this rewards calculator to calculate how many points, miles, or cash back you can earn based on your spend per category. This calculator will also give you the dollar value of the card based on rewards earned and how much each benefit is worth to you minus the fees. You can click the Compare A Card button to compare this card against another card in the same calculator.

All category spend entered in the primary card's column will carry over to all credit card pages on the site so you don't have to re-enter the same information over again.

Credit Card
This calculator will calculate the cash value of the selected credit card(s) based on spend, benefits, and fees. You can compare this card against any another rewards card side-by-side by clicking on the Compare A Card button.
Compare A Card
Compare A Card
Select a card from the list below to compare it side by side against this card. You can search by card name (e.g. chase sapphire reserve, uber visa) or by rewards program (e.g. thankyou points, membership rewards points).
Currency Worth
This is the cash value of points and miles used in these calculations. You can click on the amount to change the value or you can select View Rewards As to calculate your rewards when transferred to partners.
View Rewards As...
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0 Cent(s)
View Rewards As...
This section allows you to view your rewards as if you transferred them to a partner. Select a transfer partner below and the calculator will alter the calculator to reflect the transfer ratio and the reward currency of the receiving program. This only applies to the currency of the selected card. Not all programs have transfer partners. I also do not have the cash value of points and miles for all transfer partners.
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Edit Value
Enter the cash value of these rewards in cents per point/mile. You can enter the value as X.XX cents or 0.0XXX cents. The maximum value allowed is 15 cents ($0.15) and the minimal value is 0.1 cents ($0.001).
Loyalty/Rewards Programs
Covers hotel loyalty status, status with bank rewards programs, and few others. These are added automatically based on card selection, but can be manually added as well.
/ Loyalty Programs
Add/Remove Loyalty Programs
Select which loyalty programs you want to include in the calculations. You will be able to select your status with the program and it will calculate additional points/bonuses based on what you enter in the calculator.
Loyalty Programs
Other Bonuses
All card card specific bonuses will be listed here. These are added automatically based on the selected card(s).
Categories Spending
Enter how much you spend in each category listed. You can click on the amount to edit the value. You can use +/- Categories to add and remove categories from the list and Options to copy spend between columns and clear all spend.
/ Categories
Options
Add/Remove Categories
Select which categories you want to appear in this calculator. You can search categories by typing in a keyword below. De-selecting categories will remove them from this calculator. Categories are changed once you hit 'Update'.
Currently Selected:
Deselect All
Clear Spend
This will clear the spend in all of the categories in both columns. This will also clear all saved values.
Copy Spend
Copy Right will take the spend from the left column and copy it to the right column. Copy Left will take the spend from the right column and copy it to the left column. The spend amount ($) and unit of time (month, day, quarter) will be copied over.
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Reward Bonuses
This section holds sign up bonuses, loyalty bonuses, and bonus bonuses. Most bonuses here will be listed automatically based on certain criteria. You can click 'Extra Bonus' if you wish to enter your own bonus amount.
Extra Bonus
Any additional bonuses you wish to add such as a sign up bonus or point bonus for adding authorized users
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Total Earnings
Sum of all rewards above this line.
Cash Value of Earnings
Based off of currency worth.
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Calculator Continues Below
Monetary Bonuses/Perks
This is a list of cash perks and bonuses associated with the selected card(s). Some perks will be listed here automatically. You can click on 'Perk Bonus' if you want to add additional value for the card.
Perk Bonus
Enter how much you value any unmentioned perks this card offers.
$0
Annual Fees
This section contains the annual fee and authorized user fee (if applicable) to hold on to the listed card(s).
$0
Edit Fees
Edit the annual fee and authorized user fee of the Card (if applicable).
Annual Fee: -
Auth Fee: -
Grand Total
The total estimated value you can get out of this card and the amount of return for your spend.
Total Card Value
The value of the card when everything is taken into account.
$0
Total Return
The percent you are earning per dollar spent on this card.
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Cash Back Credit Cards

Most cash back credit cards offers 1% cash back when you use the card on non-bonus categories specific to the card, so it's not hard to earn a 1% return. What's better is that you can find credit cards that earn as much as 2% cash back without an annual fee. You can even find 2.5%+ cash back cards that may have an annual fee, but with enough spend can earn you more cash than the no-fee cards. Listed below are a list of cards that earns 1.5% cash back or more. You can click on any of the cards to calculate how much you can earn and compare the results side by side top cards.

1.5% Cash Back Credit Cards
A list of personal credit cards that earn 1.5% cash back or a 1.5% return.
Personal Cards
AMEX Cash Magnet Cash Magnet Cash Back Calculator
Pairs well with AMEX's Blue Cash cards
Capital One Quicksilver Quicksilver Cash Back Calculator
Pairs well with the Savor or SavorOne cards
Chase Bank Freedom Unlimited Freedom Unlimited Cash Back Calculator
Cash back earned can be turned into Chase Points
PenFed Power Cash Visa Power Cash Rewards Cash Back Calculator
PenFed Honors Members earn 2% cash back
U.S. Bank Cash 365 Card Cash 365 Card Cash Back Calculator
Basic 1.5% cash back card
USAA Preferred Cash Rewards Preferred Cash Rewards Cash Back Calculator
Features special Military APR Benefits
Wells Fargo Cash Wise Visa Cash Wise Visa Cash Back Calculator
Mobile Wallet purchases earn 0.3% more cash back
Business Cards
Capital One Spark Cash Select Business Card Spark Cash Select Cash Back Calculator
Basic 1.5% cash back card
Chase Ink Business Unlimited Card Ink Business Unlimited Cash Back Calculator
Cash back earned can be turned into Chase Points
Discover IT Business Card Discover Business Card Cash Back Calculator
Earn a 3% return the entire first year
1.5% Return Credit Cards
Cards branded with 'Points and Miles' which are just 1.5% cash back cards in disguise.
Personal Cards
Bank of America Travel Rewards Travel Rewards Points Calculator
Travel Rewards Points are worth 1 cent each
Discover IT Miles Discover Miles Calculator
Earn a 3% return the entire first year
Business Cards
Bank of America Business Travel Rewards Business Travel Rewards Points Calculator
Travel Rewards Points are worth 1 cents each
Capital One Spark Miles Select Spark Miles Select Miles Calculator
Miles earned can be transferred to airline partners
2%+ Cash Back Credit Cards
Cards that earn 2% or more cash back per $1 spent.
Personal Cards
Alliant CashBack Visa Alliant CashBack Calculator
Earns 3% cash back the first year, then 2.5%
Citi Double Cash Citi Double Cash Card Cash Back Calculator
Earns 2% cash back and points can be turned into ThankYou Points
PayPal Cashback Mastercard PayPal CashBack Mastercard Cash Back Calculator
Earns 2% cash back on all purchases
Business Cards
Capital One Spark Cash Visa Spark Cash Visa Cash Back Calculator
Earns 2% cash back on all purchases

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Page Last Updated: 2019-09-22

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About These Calculators: These calculators are provided to help you estimate the value of points, miles, and cash back you can earn with various rewards programs and using reward earning credit cards. These calculators are meant to provide an estimate of rewards earned and are not meant to reflect the exact amount of points you may receive. Be sure to read the terms and conditions of any credit card before you apply as benefit and perk changes may not be reflected immediately on this website.


The Point Calculator is owned by RF3 LLC. This site is informational and meant to provide help in calculating points with various programs. The owner of this site is not a legal or tax professional and the statements and articles on this site are opinion of the owner and should not be relied upon for individual circumstances.

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