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Calculate 3% Cash Back - Interactive Calculators

Cash Back Calculators
Cash back calculator for calculating 3% cash back based on spend. Also, get the details on how to calculate 3% back and a list of the best cards for earning 3% back or more on your spending.
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What is 3% cash back?

When a rewards program or credit card is offering 3% cash back, it means that for every $1 you spend you will earn 3 cents ($0.03) in the form of cash back.

How do you calculate 3% cash back?

You can calculate 3% cash back multiplying 0.03 by the amount you plan on spending. So if you spend $1,000, it would be $1,000 x 0.03 which equals $30.

3% cash back calculator

Use the 3% cash back calculator below to calculate cash back based on spend.

Enter the total cost of the purchase to calculate 3% cash back.
$ Cost
Total Cash Back: $3.00

What's the best cash back credit card?

Which cash back credit card is best for you will depend on a large number of factors — how much you spend per month, the type of benefits you're looking for, preferred banks (if any), and more.

Use our cash back credit card calculator to find cards that will earn you the most cash back based on your spending habits and other criteria. You can then click on cards to learn more about them and to see if they fit what you're looking for.

Loading Calculator...
If the calculator doesn't load after a few seconds, click here to re-load calculator.
Calculator Options
Year 1 or Year 2+ Calculations
Year 1 - Calculate how much you will earn in your first year of being a cardmember. Includes Intro Bonuses (if toggled on) and will use the free or reduced first year annual fees for any cards that have them.
Year 2+ - Calculate how much the card will be worth the 2nd year and onward. Automatically turns off intro bonuses and will ignore first year free/reduced annual fees.
Include Intro Bonuses?
If set to yes, intro bonuses will be included for a card's calculation ONLY IF you have met the monthly spend criteria based on what's entered into the tool.
Do note that we do not have intro bonuses for all credit cards and we cannot calculate intro bonuses for some cards due to the complexity of some spend requirements.
Personal Or Business?
Are you looking for personal (consumer) credit card or business credit cards? You can also include both in the results.
Authorized Users
Some banks charge an additional fee to add family, friends, or employees to the credit card account. If you plan on adding authorized users to your credit card(s), you can enter that amount here.
Note: Some credit cards have a cap on how many authorized users you can add. While we do keep track of the fee structures, we do not keep track of caps. So be sure to check the rates and fees before applying.
#
Max of 100.
Calculate Foreign Transaction Fees?
Many cards will charge you a foreign transaction fee when making purchases in a foreign currency. This is typically between 2.5% and 3% for most credit cards.
If set to yes, we will calculate the estimated fee for any spend entered into the calculator that is considered foreign. This amount will appear in the calculations as well.
Note: We do not have the foreign transaction fee rates for all credit credits.
Enter Your Monthly & Yearly Spend Amounts
Add Categories
Search our database of categories and add them to the calculator. You can select as many categories as you want.

Remove/Set Categories
Remove all categories from the calculator to start fresh or start with a set of popular predefined categories for personal or business spending.
Remove current categories and ADD: Supermarket, Restaurant/Dining, Gas Station, Transit, Travel, Online Shopping, Drugstore, Streaming, Cable, Wireless Phone, and Entertainment.
Remove current categories and ADD: Office Supply Store, Shipping, Advertisement, Gas Station, Restaurant, Phone, Internet, and Cable.
Removes all categories from the calculator.

Mobile Pay Option
The Mobile Pay option () only applies to credit cards that features bonuses or rewards that revolve around using Mobile Pay. When turned on, the category will count for both normal pay AND mobile pay. If a card has nothing to do with Mobile Pay, having it on or off will not make a difference.

Toggles the Mobile Pay option to on for all categories.

Toggles the Mobile Pay option to off for all categories.


Other Options

Clear all of the spend amounts entered into the calculator.


Results Will Appear Here

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.

Enter different values or try again later.

Results

Listed below are the results based on what you entered into the tool above. These estimates are to help guide you towards making the best decision when it comes to picking up a rewards credit card.

You can click on "Show Calculations" to see a breakdown of how the rewards were calculated, click on the card itself to learn more/apply through our partners (big thanks if you do!), or click on any of the other links to learn more about the card and it's rewards.

Do note that some of the calculations are rounded so it is possible that the estimated values may be off by a point or two when added up.

Remember that this particular tool uses our point/mile valuations, the intro bonuses we have in the database, and includes the maximum (calculable) bonuses for each card. If you want to have control over these options and much more, slide over to the Rewards Credit Card Directory & Calculator.

These calculations should be used for illustrative purposes only.

FAQ

What is 3% cash back?

3% cash back means you will earn 3 cents ($0.03) back for every $1 spent.

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

You can use the Search For Credit Cards By Spend calculator to get a list of the best credit cards based on your spend across categories.

Use Our Calculator To Maximize Your Rewards

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