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Calculate 4% Cash Back - Interactive Calculators

Cash Back Calculators
Cash back calculator for calculating 4% cash back based on spend. Also, get the details on how to calculate 4% back and a list of the best cards for earning 4% back or more on your spending.
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What is 4% cash back?

When a rewards program or credit card is offering 4% cash back, it means that for every $1 you spend you will earn 4 cents ($0.04) in the form of cash back.

How do you calculate 4% cash back?

You can calculate 4% cash back multiplying 0.04 by the amount you plan on spending. So if you spend $1,000, it would be $1,000 x 0.04 which equals $40.

4% cash back calculator

Use the 4% cash back calculator below to calculate cash back based on spend.

Enter the total cost of the purchase to calculate 4% cash back.
Cost
Total Cash Back: $4.00

Calculator: Which card will earn you the most cash back?

Input your monthly and yearly spend amounts into the tool below to find out which credit cards will earn you the most cash back on your spending.

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Calculator Options
What Type of Rewards Do You Want To Earn?
This calculator can output the best credit cards for a general rewards type or compile a list of the best credit cards for earning rewards with a specific loyalty program.
Frequent Flyer Programs
Select the frequent flyer program that you want to earn rewards for. Results will include all co-branded credit cards offered by the selected airline and all credit cards partners that allow you to transfer rewards to the selected airline.
Hotel Loyalty Programs
Select the hotel loyalty program that you want to earn rewards for. Results will include all co-branded credit cards offered by the selected hotel program and all credit cards partners that allow you to transfer rewards to the selected hotel program.
Other Loyalty Programs
Select the program that you want to earn rewards for. Results will include all credit cards offered by the selected program and all credit cards partners that allow you to transfer rewards to the selected program.
Personal Or Business?
Are you looking for personal (consumer) credit card or business credit cards? You can also include both in the results.
Income Maximum
Select if you're looking for credit cards based on your own individual income or if you're looking for credit cards based on the income of the entire household -AND- select the maximum income requirement you want listed in the results.
Enter Your Monthly & Yearly Spend Amounts
Resets all fields in the Category Spending section for all columns. Also clears all saved spend values that carry from calculator to calculator.
Deletes all categories in the Category Spending section so you can start fresh.
Add Categories
Search for categories and click 'Add Category' to add it to the calculator. If you want to be more specific, you can specify domestic or international spend.
Type at least 3 characters.
Category Currently Selected:
Spend Region:
About Spend Region: Some credit cards feature categories that only earn rewards when spending in a certain region. Changing this category to Domestic or International spend will calculate such for those cards, otherwise it's assumed by Default.

No Results. This is usually due to:

  • There's no good card options based on the spend entered.
  • The calculator is having a brain-fart and is not calculating rewards properly.

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Results

These estimates are to help guide you towards making the best decision when it comes to picking up a rewards credit card. They should be used for illustrative purposes only.

FAQ

What is 4% cash back?

4% cash back means you will earn 4 cents ($0.04) back for every $1 spent.

How do I know what's the best credit card for my spend?

You can use the Canada Credit Card Finder Tool to get a list of the best credit cards based on your spend across categories.