Best Cash Back Credit Cards Based On Spend
Enter your monthly or yearly spend across up to 20 categories to get a list of the best cash back credit cards. Calculator factors in benefits & fees!
The best cash back credit card will heavily depend on your spend habits. If you're looking for a credit card that covers a few select categories, more than likely there's a card that does so. If you're looking to run all of your spend through a single credit card, your best bet will be a flat rate cash back card.
The Best Cash Back Credit Card Calculator will find up to 50 credit cards that gives you the best return per $1 spent based on your spend across up to 20 categories. You can use the filter options to perfect your search by toggling banks, card networks, card types and more. You can also specify if the range of annual fees you don't mind paying and whether or not to show the 1st year return for cards that have the annual fee waived or reduced the first year.
Once you hit search and get your list of results, they'll be sorted by Net Return from the best to the least best. You'll get a breakdown of how much each card earns across the categories featured on the card, any annual bonuses that card has, the annual fee, and the return before and after the annual fee is factored in.
You can click on the 'Rewards Calculator' to learn more about the card and compare the results side by side top credit cards across the site, including points and miles credit cards.
Best Cards By Spend Calculator
The Best Credit Cards By Spend Calculator will find up to 50 of the best credit cards based on the spend and selected filter options. Results will be sorted by net return which is the average value of the total rewards earned, plus annual credits, and minus annual fees. For any of the results listed, you can click on 'Rewards Calculator' to calculate more accurate results. You'll be able to enter spend for as many categories as you want, toggle annual fees, add authorized users, specific elite status and memberships, incorporate sign up and welcome bonus, view rewards as if you transferred them to partners, and much more.