Cash Back Credit Card Calculators

Calculate Cash Back & Compare Cards

Credit card cash back calculators to calculate total cash back based on monthly/yearly spend, card benefits, and annual fees. Compare results against over 200+ rewards credit cards side by side.


Cash back is the easiest reward currency to understand when compared to points and miles. Since one cent earned in cash back is usually worth 1 cent in cash, there's no range of values or redemptions that makes your cash worth more or less. It's the most straightforward and popular way of earning rewards for those who don't want to deal with the extra research that comes with earning points and miles.

Cash Back Rewards

Listed below are all available calculators for U.S. cash back rewards programs covered on this website. You can click on any of the cash back credit cards to calculate how much cash back you can earn based on your spend and compare the results side by side any other card featured on the site. Any spend entered into calculators on this site will carry over to all other credit card calculators.

Alliant Credit Union

Alliant Credit Union offers one cash back credit card called the Alliant CashBack Visa. It's a great card for those who wants to use a single card to earn a pretty good rate of cash back on all purchases. Once the annual fee kicks in the second year, the Alliant CashBack Visa becomes the better option over a no-annual fee 2% card if you plan on spending more than $1,700 per month on the card.

Alliant Credit Union
Alliant Cash Back Calculators
Credit Cards
Alliant CashBack Visa Card Alliant CashBack Visa Card Calculator

American Express

American Express has four cash back credit cards which consists of 3 personal cards and one business card. The Blue Cash Preferred is one of the best (if not the best) cash back credit cards for grocery/supermarket spend as it earns 6% cash back on the first $6,000 in spend per year. Pair it with the AMEX Cash Magnet Card and you'll never earn less than 1.5% on any purchases. For businesses, the AMEX Blue Business Cash Card is a no-annual fee card that earns 2% on the first $50,000 in purchases made per year which makes it a great choice for businesses looking for easy and simple cash back.

American Express
AMEX Cash Back Calculators
Credit Cards
AMEX Blue Cash Preferred Card AMEX Blue Cash Preferred Card Calculator
AMEX Blue Cash Everyday Card AMEX Blue Cash Everyday Card Calculator
AMEX Cash Magnet Card AMEX Cash Magnet Card Calculator
AMEX Blue Business Cash Card AMEX Blue Business Cash Card Calculator

AOD Federal Credit Union

The AOD Visa Signature, offered by AOD Federal Credit Union, is one of the top cash back cards on the market. This is because it offers 3% on all purchases, has no annual fee, no balance transfer fees, and no foreign transaction fee. Cards this generous never lasts forever, so I recommend sweeping this up if you have the ability to.

Credit Cards
AOD Visa Signature Card AOD Visa Signature Card Calculator

Barclays

Barclays does not have any cash back cards that deal with the bank directly, but they do offer both the Uber Visa Card and Upromise Mastercard. The Uber Visa Card is a great option for those who want to earn Uber Cash on there spending. The card earns a whopping 5% back on Uber, UberEATS, JUMP, and 4 other categories to do with dining and travel. The Barclays Upromise Mastercard is a flat rate cash back card that offers bonuses for those with a 529 College Savings Plan. Both cards have no annual fee.

Barclays
Barclays Cash Back Calculators
Credit Cards
Uber Visa Card Uber Visa Card Calculator
Upromise Mastercard Upromise Mastercard Calculator

Bank of America

Bank of America has two cash back credit cards which consists of one personal card and one business card. Both cards allow you to choose 1 category from a list of several in which you would like to earn 3% cash back when spending in. Both cards also allow you to earn up to 75% bonus cash back based on your investments with Bank of America and their partners.

Bank of America
Bank of America Cash Back Calculators
Credit Cards
Bank of America Cash Rewards Card Bank of America Cash Rewards Card Calculator
Bank of America Business Advantage Cash Rewards Card Bank of America Business Advantage Cash Rewards Card Calculator

Capital One

Capital One has a total of seven cash back credit cards which features 3 families of cards. The Quicksilver family earns 1.5% cash back on all purchases with one card having an annual fee and one card not. The Savor family earns cash back on restaurant, entertainment and grocery purchases with the annual fee version earning a slightly higher return. Lastly, the Spark family consists of three business cards which each earns a flat rate of cash back with the annual fee card earning the highest return. All of the cards have no foreign transaction fee which makes them great options for international travel as well.

Capital One
Capital One Cash Back Calculators
Credit Cards
Quicksilver One Card Quicksilver One Card Calculator
Quicksilver Card Quicksilver Card Calculator
Savor One Card Savor One Card Calculator
Savor Card Savor Card Calculator
Spark Visa Business Card Spark Visa Business Card Calculator
Spark Select Business Card Spark Select Business Card Calculator
Spark Class Business Visa Card Spark Class Business Visa Card Calculator

Chase Bank

Chase Bank has four cash back credit cards in which all of them have no annual fee and offer great returns. The Chase Freedom is the most popular of the bunch with it's 5% cash back quarterly rotating categories which can be compared to the Discover IT Card. The Chase Ink Business Cash Card is also another popular card as it earns 5% cash back on Office Supply Stores (think gift cards), Internet, cable, and phone spend. All of the cards also earn 5% cash back with Lyft which is fantastic if you typically use their rideshare service.

Chase Bank
Chase Cash Back Calculators
Credit Cards
Chase Freedom Card Chase Freedom Flex Card Calculator
Chase Freedom Unlimited Card Chase Freedom Unlimited Card Calculator
Chase Ink Business Cash Card Chase Ink Business Cash Card Calculator
Chase Ink Business Unlimited Card Chase Ink Business Unlimited Card Calculator

Citi Bank

Citi has one cash back credit card called the Citi Double Cash Card which earns 2% cash back on all purchases. You can also convert cash back into Citi ThankYou Points at a rate of 1 cent for 1 point which makes the card a 2x ThankYou Points earning card as well. It's a must for anyone that is earning ThankYou Points or anyone that wants to earn cash back at a great rate with no annual fee.

Citi Bank
Citi Cash Back Calculators
Credit Cards
Citi Double Cash Card Citi Double Cash Card Calculator

Citizens Bank

Citizens Bank offers one cash back credit card called the Citizens Cash Back Plus World Mastercard. It offers cash back at a flat rate of 1.8% on all purchases, comes with travel and purchase protection/insurance, and has no annual fee.

Citizens Bank
Citizens Bank Cash Back Calculators
Credit Cards
Citizens Bank Cash Back Plus World Mastercard Citizens Bank Cash Back Plus World Mastercard Calculator

Comerica

Comerica has one cash back credit card called the Comerica Cash Rewards AMEX Card which earns a decent return on both gas station and supermarket spend.

Credit Cards
Comerica Cash Rewards AMEX Card Comerica Cash Rewards AMEX Card Calculator

Credit One

Credit One offers credit cards for those with bad to average credit as well as those who have no credit. Along with building credit, these credit cards also earn cash back. Be warned that the interest rates on these cards are sky high. This cards can easily reward you for responsible credit usage but you must pay off your balances in full to benefit.

Credit One
Credit One Cash Back Calculators
Credit Cards
Credit One Platinum Rewards Visa Card Credit One Platinum Rewards Visa Card Calculator
Credit One Platinum Rewards Visa (No Fee) Card Credit One Platinum Rewards Visa (No Fee) Card Calculator
Credit One Bank American Express Card Credit One Bank American Express Card Calculator
Credit One Platinum Visa Card Credit One Platinum Visa Card Calculator
Credit One Platinum Visa Card For Rebuilding Credit Credit One Platinum Visa Card For Rebuilding Credit Calculator
Credit One NASCAR Credit Card Credit One NASCAR Credit Card Calculator

Discover

Discover has three cash back credit cards which consists of two personal cards and one business card. The Discover IT Card is the most known in the bunch due to it's 5% cash back on quarterly rotating categories similar to the Chase Freedom Flex Card. Per the usual, Discover matches the first year of cash back earned with their cards meaning you can get up to 10% cash back.

Discover
Discover IT Cash Back Calculators
Credit Cards
Discover IT Card Discover IT Card Calculator
Discover IT Chrome Card Discover IT Chrome Card Calculator
Discover IT Business Card Discover IT Business Card Calculator

Fidelity

Fidelity offers the Fidelity Rewards Visa Signature Card which earns 2% cash back on all purchases and comes with the ability to fund various Fidelity accounts with your rewards including retirement, HSA, 529 College Savings Plan, and more. The card has no annual fee.

Fidelity
Fidelity Cash Back Calculators
Credit Cards
Fidelity Rewards Visa Signature Card Fidelity Rewards Visa Signature Card Calculator

Fifth Third

Fifth Third Bank has two credit cards called the Trio Card and Trio Preferred Card. Both cards are exactly the same with the exception that the Preferred version has no spend cap on rewards and is for those who are a Fifth Third Preferred Banking client.

Fifth Third
Fifth Third Cash Back Calculators
Credit Cards
Trio Card Trio Card Calculator
Trio Preferred Card Trio Preferred Card Calculator

First Bankcard

First Bankcard, known as First National Bank of Omaha, issues a bunch of co-branded credit cards for stores, airlines, companies, and much more.

Credit Cards
Ducks Unlimited Visa Card Ducks Unlimited Visa Card Calculator

HSBC

HSBC offers one cash back credit card called the HSBC Cash Rewards Card. It earns 3% cash back on the first $10,000 in purchases made during the first 12 months of having the card. After that, it turns into a flat rate 1.5% cash back card. The card also features a great share of Mastercard benefits.

Credit Cards
HSBC Cash Rewards Card HSBC Cash Rewards Card Calculator

PayPal

PayPal offers a personal cash back credit card and a cash back business debit card. The PayPal Cashback Mastercard is a 2% cash back credit card that has no annual fee and no foreign transaction fee making it a great option for international spending. The PayPal Business Debit Card offers 1% cash back and has no annual fee.

Do note that for personal cards you can either have the PayPal Cashback Mastercard or the PayPal Extras Mastercard. You can not have both. In my opinion, the PayPal Cashback Mastercard is the better option.

PayPal
PayPal Cash Back Calculators
Credit Cards
PayPal CashBack Mastercard PayPal CashBack Mastercard Calculator
PayPal Business Debit Mastercard PayPal Business Debit Mastercard Calculator

Pentagon Federal

PenFed offers one cash back credit card called the PenFed Power Cash Rewards Card. It earns 2% cash back on all purchases for all PenFed Honors Advantage members and 1.5% cash back for non-PenFed Honors Advantage members.

Pentagon Federal
PenFed Cash Back Calculators
Credit Cards
PenFed Power Cash Rewards Visa Card PenFed Power Cash Rewards Visa Card Calculator

PNC

PNC offers both a personal and business cash back credit card. The PNC Cash Rewards Card is PNC's best personal credit card in my opinion offering a superb return on gas along with a solid return on dining spend. The PNC Cash Rewards Business Card is your standard 1.5% cash back card. Both cards have no annual fee.

PNC Bank
PNC Cash Back Calculators
Credit Cards
PNC Cash Rewards Card PNC Cash Rewards Card Calculator
PNC Cash Rewards Business Card PNC Cash Rewards Business Card Calculator

USAA

USAA offers two personal cash back credit cards. The USAA Cashback Rewards Plus Card offers a great return on gas and military base spending while the USAA Preferred Cash Rewards Card is a standard 1.5% cash back credit card. Both cards offer special APR benefits for military members and have no annual fee.

USAA
USAA Cash Back Calculators
Credit Cards
USAA Cashback Rewards Plus Card USAA Cashback Rewards Plus Card Calculator
USAA Preferred Cash Rewards Visa USAA Preferred Cash Rewards Visa Calculator

Specialty Calculators

If you're looking to calculate 1%, 1.5%, 2% and 5% cash back, you can use the calculators listed below. They'll calculate total cash back based on spend just like other calculators on the site.

Credit Cards
One percent cash back 1% Cash Back Calculator
One five percent cash back 1.5% Cash Back Calculator
Two percent cash back 2% Cash Back Calculator
Five percent cash back 5% Cash Back Calculator

Recommended Reads