Cash Back Credit Card Calculators

Calculate total cash back and cash value of cash back credit cards based on spend, benefit values, and fees. Compare results side by side hundreds of cards.

Cash back credit cards generally provide the most flexible rewards since redemption options usually include the option to redeem cash back in the form of a statement credits or a cash deposits to a bank account. This means you can pretty much use cash back towards any type of purchases. You will not be tied down to redeeming with a specific airline, hotel, or other program nor will you have to worry about finding redemptions that give you the best value since cash back is redeemed at face value.

Listed on this page are all U.S. cash back credit cards covered on the site. You can click on a card to learn more about earning rates, benefits, sign up bonuses, and annual fees. Each credit card listed has a cash back calculator which allows you to calculate total cash back and cash value based on spend, the value of benefits, and annual fees. You'll be able to compare results side by side any U.S. credit cards featured on the site.

American Express Cash Back Calculators

BMO Cash Back Calculators

BMO CashBack World Mastercard

BMO CashBack World Mastercard Calculator

Earns 1.25% cash bach on the firt $7,000 in spend ran through the card per month. Benefits include Boingo Wi-Fi, show discounts, LoungeKey access, savings with National and Alamo car rentals, and trave/purchase insurance.
BMO CashBack Mastercard

BMO CashBack Mastercard Calculator

Earns 3% cash back on grocery purchases, 1% back on recurring bill payments, and 0.5% back on all other purchases. Benefits include National and Alamo savings and show discounts. No annual fee.

Capital One Cash Back Calculators

CIBC Cash Back Calculators

CIBC Dividend Visa Infinite Card

CIBC Dividend Visa Infinite Card Calculator

Earns 4% cash back on gas and grocery purchases, 2% back on Tim Horton's and TELUS purchases, and 1% back on everything else. Benefits include gas discounts at select stations, Visa Infinite benefits, and travel/purchase coverage.
CIBC Dividend Visa Platinum Card

CIBC Dividend Visa Platinum Card Calculator

Earns 4% cash back on gas and grocery purchases, 2% back on Tim Horton's and TELUS purchases, and 1% back on everything else. Benefits include gas discounts at select stations and travel/purchase coverage.
CIBC Dividend Visa Card

CIBC Dividend Visa Card Calculator

Earns 2% cash back on grocery purchases. Other purchases earn 0.5% on the first $6,000 spend during the calendar year, then 1% back for the remainder of the year. Card offers gas discounts at select stations.

Desjardins BONUSDOLLAR & Cash Back Calculators

Desjardins Odyssey Visa Infinite Privilege Card

Desjardins Odyssey Visa Infinite Privilege Card Calculator

Earns 4% back on restaurants, entertainment, and public transportation purchases, 3% back on travel and grocery, and 1.75% back on everything else. Benefits include Desjardins Odyssey Lounge passes, car rental discounts with Thrifty and Dollar, Visa Infinite Privilege benefits, and travel/purchase insurance.
Desjardins Odyssey World Elite Mastercard

Desjardins Odyssey World Elite Mastercard Calculator

Earns 3% back on grocery purchases, 2% back on restaurant, entertainment, and public transportation purchases, and 1.5% back on everyhting else. Benefits include Dejsardins Odyssey Lounge Passes, LoungeKey access, car rental discounts, Mastercard World Elite benefits, and travel/purchase insurance.
Desjardins Odyssey Gold Visa Card

Desjardins Odyssey Gold Visa Card Calculator

Earns 2% back on restaurant, entertainment, public transportation, and pre-authorized payments. All other purchases earn 1% back. Benefits include 50% off Desjardins Odyssey Lounge passes and travel/purchase insurance.
Desjardins Bonus Visa Card

Desjardins Bonus Visa Card Calculator

Earns 2% back on restaurant, entertainment, public transportation, and pre-authorized payments. All other purchases earn 0.5% back. Benefits include car rental discounts and travel/purchase insurance. No annual fee.
Desjardins Cash Back World Elite Mastercard

Desjardins Cash Back World Elite Mastercard Calculator

Earns 5% cash back on grocery purchases, 3% back on restaurant, entertainment, and public transportation purchases, and 1% back on everything else. Benefits include LoungeKey access, car rental discounts Mastercard World Elite benefits, and travel/purchase insurance.
Desjardins Cash Back Card

Desjardins Cash Back Card Calculator

Earns 2% cash back on restaurant, entertainment, public transportation, and pre-authorized payments. All other purchases earn 0.5% back. Benefits include car rental discounts and travel/purchase insurance. No annual fee.

Laurentian Bank Cash Back Calculators

MBNA Cash Back Calculators

Rogers Cash Back Calculators

Rogers World Elite Mastercard

Rogers World Elite Mastercard Calculator

Earns 3% back on U.S. Dollar purchases and 1.5% back on all other purchases. Benefits include LoungeKey access, Boingo Wi-Fi, and travel/purchase insurance. You must spend $15,000 across this card annually in order to keep the card.
Fido Mastercard

Fido Mastercard Calculator

Earns 1.5% back on recurring payments (including Fido bill) and 1% back on everything else. No annual fee.

Scotiabank Cash Back Calculators

Scotiabank Momentum Visa Infinite Card

Scotiabank Momentum Visa Infinite Card Calculator

Earns 4% cash back on grocery and recurring payments, 2% back on gas station and daily transit purchases, and 1% back on everything else. Benefits include Avis & Budget discounts, Visa Infinite benefits, and great travel/purchase insurance.
Scotiabank Momentum for business Visa Card

Scotiabank Momentum for business Visa Card Calculator

Earns 3% back on gas station, restaurant, office supply stores, and recurring bill payments. All other purchases earn 1% back. Benefits include access to Visa SavingsEdge, 25-day interest-free grace periods on new purchases, and some travel/purchase insurance.

Simplii Cash Back Calculators

Tangerine Cash Back Calculators

Tangerine credit cards allow you to choose two or three categories from a list of 10. Those categories are:

  • Grocery
  • Furniture
  • Restaurant
  • Hotel-Motel
  • Gas Station
  • Recurring Bill Payments
  • Drug Store
  • Home Improvement
  • Entertainment
  • Public Transportation & Parking

The categories that you left over from the ones you did not choose will fall under non-category spend.

Tangerine World Mastercard

Tangerine World Mastercard Calculator

Earns 2% back on 2 categories of your choice and 0.5% back on everything else. Benefits include Boingo Wi-Fi, LoungeKey access, and Mastercard Travel Rewards.

TD Bank Cash Back Calculators

TD Cash Back Visa Infinite Card

TD Cash Back Visa Infinite Card Calculator

Earns 3% cash back on grocery, gas station, and recurring bill payment spending. All other purchases earn 1% back. Benefits include complimentary TD Auto Club membership, Avis and Budget discounts, Visa Infinite benefits, and travel/purchase protections.
TD Cash Back Visa Card

TD Cash Back Visa Card Calculator

Earns 1% cash back on grocery, gas station, and recurring bill payment spending. All other purchases earn 0.5% back. Card offers discounts with Avis and Budget.
TD Business Cash Back Visa Card

TD Business Cash Back Visa Card Calculator

Earns 2% cash back on office supply store, gas station, and recurring bill payment spending. All other purchases earn 0.5% back. Benefits include access to Visa SavingsEdge program and discounts with Avis and Budget.

Specialty Cash Back Calculators

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