Cash Back Credit Card Rewards Calculators

Calculate total cash back rewards across top U.S. credit cards based on spend and compare results side by side to find your perfect cash back card.

Cash back is the most flexible of the reward types when compared to points and miles. It can be redeemed for just about anything and will generally be the best option if you want to use your rewards for more than just travel.

With cash back rewards, the rewards you earn are worth face value so there's no worrying about transferring rewards to partners or researching which redemptions give you the most value. You also never have to worry about devaluations.

The drawback to cash back rewards comes mainly to redemptions that revolve around travel. The value of points and miles can vary and may require research for maximum value, but they can be well worth it if you're a frequent traveler and don't mind putting in the extra effort.

Best Cash Back Rewards Credit Cards

There are hundreds of cash back credit cards available in the United States, so finding the best card for you can be a challenge. Luckily, we've compiled a list of the best cash back credit cards by category to help you get started.

You can click any of the cards listed on this page to learn more about the card as well as calculate how much cash back you can earn based on spend, the value of benefits, and annual fees.

You can also use the calculator at the bottom of this page to get a list of the cash back credit cards that best fit you based on your spend habits.

Earn Up to $350 Back
Terms Apply
Earn $200 Cash Back
Terms Apply
Calculate which cash back cards earn you the best return and get our list of top picks.

Chase Cash Back Rewards Credit Cards

Chase offers several cash back credit cards. Rewards earned with these cards are displayed as points which can be redeemed for 1 cent each in cash back or be used for a number of other redemptions.

In addition to that, you can pair Chase's cash back cards with Chase Ultimate Rewards credit cards for increased point value.

Ultimate Rewards credit cards allow you to redeem points for 1.25 to 1.5 cents each towards travel as well as transfer points to Chase's airline and hotel partners for a chance at even more value.

Best For Flat-Rate Cash Back & Bonus Cash Back

Chase Freedom Unlimited®
Chase Freedom Unlimited®
Intro Bonus
Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
Rewards Rate
5%
Earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.
5%
Earn 5% on Chase travel purchased through Ultimate Rewards®.
3%
Earn 3% on dining and drugstores.
1.5%
Earn unlimited 1.5% cash back on all other purchases.
Main Card Highlights
  • Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
  • Earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.
  • 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
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
3%
Best For High Earnings On Rotating Categories
Best For Office Supply Stores & Utilities
Best For Flat-Rate Cash Back
Calculate which Chase credit cards will offer you the best return and get our top picks.

American Express Cash Back Rewards Credit Cards

American Express offers four cash back credit cards. The personal cards earn Reward Dollars which are worth face value and can be used for statement credits and other select redemptions. Cash back earned with the business cards are automatically applied to the statement as a credit.

If you're looking to maximize your cash back with American Express, you can pair one of the Blue Cash credit cards with the American Express Cash Magnet Card. This ensures that you will always earn at least 1.5% back on your purchases.

Best For Earning High Cash Back

Blue Cash Preferred® Card from American Express
BCP
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.
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
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.
Annual Fee
$0 the first year, then $95
Authorized User Fee
$0
Foreign Transaction Fee
2.7%
Best No-Annual Fee Card For U.S. Supermarkets
Best No-Annual Fee Small Business Card
Best For Flat-Rate Cash Back
Calculate which AMEX credit cards will offer you the best return and get our top picks.

Citi Cash Back Rewards Credit Cards

Citi offers two cash back credit cards. Cash back rewards earned with these cards can be redeemeed for checks, statement credits, or gift cards.

Cash back earned with Citi can also be converted to Citi ThankYou Points. When paired with the Citi Prestige or Citi Premier Card, these points can be transferred to Citi's airline partners for increased value.

Best For 5% Back On Select Category

Citi Custom Cashâ„  Card
Citi Custom Cashâ„  Card
Intro Bonus
Earn $200 in cash back after you spend $750 on purchases in the first 3 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
Rewards Rate
5%
Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter.
1%
Earn unlimited 1% cash back on all other purchases.
Main Card Highlights
  • Earn $200 in cash back after you spend $750 on purchases in the first 3 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
  • 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 13.99% - 23.99%, based on your creditworthiness.
  • Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases.
  • No rotating bonus categories to sign up for – as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories.
  • No Annual Fee
  • Citi will only issue one Citi Custom Cashâ„  Card account per person.
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
3%
Best No-Annual Fee 2% Back Card
Calculate which Citi credit cards will offer you the best return and get our top picks.

Bank of America Cash Back Rewards Credit Cards

Bank of America offers three cash back credit cards which consists of two personal cards and one business card.Cash back can be redeemed for statement credits, deposits into Bank of America savings/checking accounts, or be credited to a Merrill Lynch or Merrill Edge account.

The big plus to earning cash back with Bank of America is that you can earn up to a 75% cash back bonus based on total investments with Bank of America and their partners. This means you could earn up to 5.75% cash back on a selected category.

Best For Targeted 3% Cash Back

Bank of America® Customized Cash Rewards credit card
Bank of America® Customized Cash Rewards credit card
Intro Bonus
$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
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.
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
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
3%

Capital One Cash Back Rewards Credit Cards

Capital One offers a total of seven credit cards. Cash back can be redeemed towards account credits, be offered as a check, be used for gift cards, or be transferred to another Capital One account holder.

The big benefit of Capital One credit cards is that they have no foreign transaction fees which makes them the best option for earning cash back on international travel and spending.

Best For Dining & Entertainment

Capital One SavorOne Cash Rewards Credit Card
Capital One SavorOne Cash Rewards Credit Card
Intro Bonus
Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening
Rewards Rate
3%
Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®).
1%
Earn 1% on all other purchases
Main Card Highlights
  • Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening
  • Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), plus 1% on all other purchases
  • 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 foreign transaction fee
  • No annual fee
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
0%
Best For Earning Flat-Rate Cash Back Worldwide
Best Flat-Rate Cash Back Business Card For High Spend
Calculate which Capital One credit cards will offer you the best return and get our top picks.

Calculate Cash Back Credit Card Rewards

Calculate which cash back credit cards will earn you the most cash back and best return based on your spend. Results will consist of top rated cash back credit cards from our partners and will be sorted by net return which is the average value of the rewards earned, plus annual credits, and minus annual fees.

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'.

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
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