1% Cash Back Calculator

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

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...

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.

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.

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

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.

Annual Fees

This section contains the annual fee and authorized user fee (if applicable) to hold on to the listed card(s).

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.

Total Return

The percent you are earning per dollar spent on this card.

Apply

Apply for the card now through their secured website.

Apply Now

Card Info

Jump to the page that has the details of this card. Covers bonus categories, perks, sign-up bonus, and fees!

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

Cash Back Credit Cards

Get the list of cash back credit cards we cover by bank and links to the most popular cash back credit cards.

Airline Miles

Get details on 20+ frequent flyer programs. Learn about earning and redeeming airline miles.

Credit Card Comparison Tool

Want to compare groups of cards side by side? Try out the Credit Card Comparison Tool

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Page Last Updated: 2019-09-22

Editorial Note: All opinions expressed on this site are my own and not those of any bank, rental car company, credit card issuer, hotel company, or any entity mentioned herein. Opinions, calculators, and other editorial content on this page have not been approved or endorsed by any entities on this site. You can read our Private Policy to learn more.

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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.