Credit Card Calculator: Best Cash Back Cards [2021]

Finding the best credit cards for maximizing your cash back is key. Get our top picks for best cash back cards of 2021 and calculate how much you can earn.

The Point Calculator's top picks for the best cash back credit cards are:

  • Blue Cash Preferred® Card from American Express
  • Blue Cash Everyday® Card from American Express
  • Chase Freedom Unlimited®
  • Chase Freedom Flexâ„ 
  • Capital One Quicksilver Cash Rewards Credit Card
  • Capital One SavorOne Cash Rewards Credit Card
  • Citi® Double Cash Card
  • Bank of America® Cash Rewards credit card

Blue Cash Preferred® Card from American Express

The AMEX Blue Cash Preferred Card is one of the best credit cards on the market when it comes with earning cash back at U.S. supermarkets. It earns 6% cash back on the first $6,000 in spend at U.S. supermarkets, then 1% for the remainder of the year once the cap is hit. In addition to that, it also earns bonus cash back on streaming services, U.S. gas station purchases, and transit purchases. If you typically spend more than $270 per month at U.S. supermarkets, this card will be worth picking up.

Blue Cash Preferred® Card from American Express
Rewards Rate
6%
6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
6%
6% Cash Back on select U.S. streaming subscriptions.
3%
3% Cash Back on transit including taxis/rideshare, parking, tolls, trains, buses and more.
3%
3% Cash Back at U.S. gas stations
1%
1% Cash Back on other purchases
Intro Bonus
Earn 20% back on Amazon.com purchases on the Card within the first 6 months of Card Membership, up to $200 back. Plus, earn $150 back after you spend $3,000 in purchases on the Card within the first 6 months of Card Membership. You will receive cash back in the form of statement credits.
Annual Fee
$0 the first year, then $95
Authorized User Fee
$0
Foreign Transaction Fee
2.7%
Main Card Highlights
  • Earn 20% back on Amazon.com purchases on the Card within the first 6 months of Card Membership, up to $200 back.
  • Plus, earn $150 back after you spend $3,000 in purchases on the Card within the first 6 months of Card Membership. You will receive cash back in the form of statement credits.
  • $0 intro annual fee for the first year, then $95.
  • 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
  • 6% Cash Back on select U.S. streaming subscriptions.
  • 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
  • 1% Cash Back on other purchases.
  • Low intro APR: 0% for 12 months on purchases from the date of account opening, then a variable rate, 13.99% to 23.99%
  • Plan It® gives the option to select purchases of $100 or more to split up into monthly payments with a fixed fee.
  • Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit.
  • Terms Apply.

Blue Cash Everyday® Card from American Express

If you spend lower than $270 per month at U.S. supermarkets, you'll want to consider the no annual fee AMEX Blue Cash Everyday Card. It earns 3% cash back on up to $6,000 in U.S. supermarket spend per year, then 1% for the remainder of the year once the cap is hit. The card also earns bonus cash back on both U.S. gas station and U.S. department store purchases which adds more value to the card.

Blue Cash Everyday® Card from American Express
Rewards Rate
3%
3% Cash Back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).
2%
2% Cash Back at U.S. gas stations and at select U.S. department stores.
1%
1% Cash Back on other purchases.
Intro Bonus
Earn 20% back on Amazon.com purchases on the Card in the first 6 months of Card membership, up to $150 back. Plus, earn $100 back after you spend $2,000 in purchases on your new Card within the first 6 months of card membership. You will receive cash back in the form of statement credits.
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
2.7%
Main Card Highlights
  • Earn 20% back on Amazon.com purchases on the Card in the first 6 months of Card membership, up to $150 back.
  • Plus, earn $100 back after you spend $2,000 in purchases on your new Card within the first 6 months of card membership. You will receive cash back in the form of statement credits.
  • 3% Cash Back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).
  • 2% Cash Back at U.S. gas stations and at select U.S. department stores.
  • 1% Cash Back on other purchases.
  • Low intro APR: 0% for 15 months on purchases from the date of account opening, then a variable rate, 13.99% to 23.99%.
  • Plan It® gives the option to select purchases of $100 or more to split up into monthly payments with a fixed fee.
  • Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits.
  • No annual fee.
  • Terms Apply.

Chase Freedom Unlimited®

The best credit card for earning easy-to-redeem cash back is the Chase Freedom Unlimited. It earns a whopping 5% cash back on travel purchases through Chase as well as 3% cash back dining at restaurants and making purchases at drugstores. You'll also earn a great 1.5% cash back on all other purchases which higher than the standard 1% most cards with bonus categories offer. The Chase Freedom Unlimited has no minimum redemptions, cash back doesn't expire, and best of all... it has no annual fee.

Chase Freedom Unlimited®
Rewards Rate
5%
Earn 5% on travel purchased through Chase.
3%
Earn 3% on dining at restaurants and drugstores
1.5%
Earn unlimited 1.5% cash back on all other purchases.
Intro Bonus
Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
3%
Main Card Highlights
  • No minimum to redeem for cash back. Cash Back rewards do not expire as long as your account is open
  • 0% Intro APR for 15 months from account opening on purchases, then a variable APR of 14.99 - 23.74%.
  • No annual fee

Chase Freedom Flexâ„ 

The Chase Freedom Flex features categories that rotate every quarter. You'll earn 5% cash back on up to $1,500 in combined spend between the categories featured during the quarter, then 1% for the remainder of that quarter after the cap has been hit. The Chase Freedom Flex also offers 5% back on travel purchased through Chase and 3% back on dining and drugstore purchases which makes it extremely similar to the Chase Freedom Unlimited.

Chase Freedom Flexâ„ 
Rewards Rate
5%
Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate.
5%
Earn 5% on travel purchased through Chase.
3%
Earn 3% on dining at restaurants and drugstores.
1%
Earn 1% on all other purchases.
Intro Bonus
Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
3%
Main Card Highlights
  • Enjoy new 5% categories each quarter!
  • No minimum to redeem for cash back. Cash Back rewards do not expire as long as your account is open.
  • 0% Intro APR for 15 months from account opening on purchases, then a variable APR of 14.99 - 23.74%.
  • No annual fee.

Capital One SavorOne Cash Rewards Credit Card

The no annual fee Capital One SavorOne Card is a great option if you commonly spend money across the categories of dining and entertainment. It earns 3% cash back across both of those categories along with 2% back on grocery spend. The Capital One SavorOne card also has no foreign transaction fee which makes it great for international travel. Cash back can easily be redeemed towards purchases made to the card or towards other redemptions options such as gift cards.

Capital One SavorOne Cash Rewards Credit Card
Rewards Rate
3%
Earn unlimited 3% cash back on dining and entertainment
2%
Earn 2% at grocery stores
1%
Earn 1% on all other purchases
Intro Bonus
Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
0%
Main Card Highlights
  • No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases for 15 months; 15.49% - 25.49% variable APR after that
  • No annual fee and no foreign transaction fee

Capital One Quicksilver Cash Rewards Credit Card

The Capital One Quicksilver is one of the most popular cash back credit cards. It earns an unlimited 1.5% cash back on all purchases and has no annual fee. Like other Capital One credit cards, the Capital One Quicksilver also has no foreign transaction fee which makes it a great card for international travel. It pairs well with the Capital One SavorOne if you're looking for a great credit card combination.

Capital One Quicksilver Cash Rewards Credit Card
Rewards Rate
1.5%
Earn unlimited 1.5% cash back on every purchase, every day
Intro Bonus
One-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
0%
Main Card Highlights
  • No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases for 15 months; 15.49%-25.49% variable APR after that
  • Pay no annual fee or foreign transaction fees

Citi® Double Cash Card

Another cash back credit card known for easy and simple rewards is the Citi Double Cash Card. This no annual fee card earns an unlimited 2% cash back on all purchases in which you'll earn 1% cash back on purchases and an additional 1% as you pay off those purchases. Cash back earned with the Citi Double Cash can also be converted to ThankYou Rewards Points which can be transferred to airline partners if you own the Citi Premier® Card or Citi Prestige® Card.

Citi® Double Cash Card
Rewards Rate
2%
Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
Intro Bonus
No current intro bonus
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
3%
Main Card Highlights
  • To earn cash back, pay at least the minimum due on time.
  • Cash back earned can be converted to the Citi ThankYou Rewards program

Bank of America® Cash Rewards credit card

The Bank of America Cash Rewards credit card can be one of the best cash back credit cards on the market depending on your relationship with Bank of America. At the base level, the card earns 3% back on a select category of your choice, 2% back back at Grocery stores and wholesale clubs, and 1% back on everything else. With the Preferred Rewards program, you can earn up to a 75% cash back bonus based on how much you have invested with Bank of America, Merrill Edge, or Merill Lynch on 3-month average across accounts. This means that you can earn up to 5.25% on your selected category, 3.75% back on grocery and wholesale club purchases, and 1.75% back on everything else. Best of all, the Bank of America Cash Rewards credit card has no annual fee.

Bank of America® Cash Rewards credit card
Rewards Rate
3%
Earn 3% cash back in the category of your choice (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases).
2%
Earn automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases).
1%
Earn unlimited 1% on all other purchases.
Intro Bonus
$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
3%
Main Card Highlights
  • No annual fee
  • $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
  • Earn 3% cash back in the category of your choice, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases
  • 0% Introductory APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 13.99% - 23.99% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers
  • No expiration on rewards
  • If you're a Preferred Rewards member, you can earn 25% - 75% more cash back on every purchase
  • Contactless Cards - The security of a chip card, with the convenience of a tap

Best Cards By Spend Calculator

The Best Cards By Spend Calculator will give you an idea of which credit cards will offer you the most rewards based on your spend. Results will be sorted by net return which is the average value of the rewards earned, plus annual credits, and minus annual fees.

Results will consist of top-rated cash back credit cards. Cash back business credit cards will not appear in this list.

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.
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Currently Selected:

Category Spend

Enter your spend per month, year, or quarter for the listed categories. You can then click Get The Best Cards to get the list of results.
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Spend Duration

You can set the duration of the spend for the categories listed above. If you're looking for the best card for only n-months worth of spend, this is where you change the option. If you want to calculate based on a full year of spending, you can leave it set to a duration of '1 Year'.

Adjust Transferable Points

Some rewards programs allow you to transfer your earned points to airline, hotel, and other loyalty programs. These programs will generally have higher point values when doing such. Since these matter so much when choosing a credit card, you can enter your own point value for these programs to include in the calculations. You can set any of the currencies listed below to 0 to calculate based on the non-transfer value (in which most are 1 cent per point with the exception of Chase's 1.25/1.5 cent redemptions). The values I have listed are what I think is the easiest value to get out of your points when transferring to partners. You can click on the to learn more about the value of the currency (opens in a new tab/window).
Depending on what you're calculating, all programs listed below may not be featured in the results.

Results

Note: Results may take a few seconds to generate after doing a search. The results and values listed are estimates to help guide you towards making the best decision. They are for illustrative purposes only.
Results Will Appear Here
Updated 2021-03-25 By Robert Flowers III

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