The credit card cash back calculators will calculate total cash back based on your monthly or yearly spend across categories. You'll also be able to calculate the cash value of each cash back credit card based on earnings, how much you value card benefits, and annual fees. You can compare the results side by side any credit card featured on the site.
About Cash Back
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 way of earning rewards for those who don't want to deal with the extra research that comes with earning points and miles in some programs.
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.
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| Alliant Cash Back Calculators |
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Alliant CashBack Visa Card Calculator
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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.
AMEX Blue Cash Preferred Card Calculator
AMEX Blue Cash Everyday Card Calculator
AMEX Cash Magnet Card Calculator
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.
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| AOD Cash Back Calculators |
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AOD Visa Signature Card Calculator
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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.
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Uber Visa Card Calculator
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Upromise Mastercard Calculator
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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.
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| Bank of America Cash Back Calculators |
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Bank of America Cash Rewards Card Calculator
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Bank of America Business Advantage Cash Rewards Card Calculator
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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.
Quicksilver One Card Calculator
Quicksilver Card Calculator
Savor One Card Calculator
Savor Card Calculator
Spark Visa Business Card Calculator
Spark Select Business Card Calculator
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 Freedom Flex Card Calculator
Chase Freedom Unlimited Card Calculator
Chase Ink Business Cash Card Calculator
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.
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| Citi Cash Back Calculators |
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Citi Double Cash Card Calculator
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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.
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| Citizens Bank Cash Back Calculators |
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Citizens Bank Cash Back Plus World Mastercard Calculator
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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.
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| Comerica Cash Back Calculators |
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Comerica Cash Rewards AMEX Card Calculator
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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 Platinum Rewards Visa Card Calculator
Credit One Platinum Rewards Visa (No Fee) Card Calculator
Credit One Bank American Express Card Calculator
Credit One Platinum Visa Card Calculator
Credit One Platinum Visa Card For Rebuilding Credit Calculator
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.
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| Discover IT Cash Back Calculators |
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Discover IT Card Calculator
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Discover IT Chrome Card Calculator
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Discover IT Business Card Calculator
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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.
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| Fidelity Cash Back Calculators |
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Fidelity Rewards Visa Signature Card Calculator
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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.
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| Fifth Third Cash Back Calculators |
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Trio Card Calculator
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Trio Preferred Card Calculator
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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.
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| HSBC Cash Back Calculators |
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HSBC Cash Rewards Card Calculator
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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.
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| PayPal Cash Back Calculators |
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PayPal CashBack Mastercard Calculator
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PayPal Business Debit Mastercard Calculator
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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.
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| PenFed Cash Back Calculators |
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PenFed Power Cash Rewards Visa Card Calculator
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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.
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| PNC Cash Back Calculators |
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PNC Cash Rewards Card Calculator
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PNC Cash Rewards Business Card Calculator
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TD Bank
TD Bank offers one cash back credit card for those based in the United States. The TD Cash Back Credit Card offers 3% cash back on dining, 2% back on grocery, and 1% back on everything else. The card has no annual fee, no authorized user fee, and no foreign transaction fee which makes it a good option for earning cash back internationally.
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| TD Bank Cash Back Calculators |
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TD Cash Back Credit Card Calculator
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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.
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| USAA Cash Back Calculators |
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USAA Cashback Rewards Plus Card Calculator
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USAA Preferred Cash Rewards Visa Calculator
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Wells Fargo
Wells Fargo offers one cash back credit card which is the Wells Fargo Cash Wise Visa Card. It's a simple and straighforward card that offers 1.5% cash back on all purchases.
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| Wells Fargo Cash Back Calculators |
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Wells Fargo Cash Wise Card Calculator
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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.
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1% Cash Back Calculator
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1.5% Cash Back Calculator
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2% Cash Back Calculator
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5% Cash Back Calculator
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Percent Off Calculator
Shopping online or in-store and trying to find out what the cost of your item(s) are after a discount? Use the Percent Off Calculator to calculate the discount. You can also use it to calculate an additional discount and sales tax.
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| Percent Off Calculator |
FAQ
Listed below are some of the most common questions when it comes to cash back calculators.
How much cash back can I earn with cash back credit cards?
It will vary. Some cards offer as low as 1% and some offer as high as 5% cash back per $1 spent on the card.
What can I do with the cash back calculators?
You can calculate total rewards based on your spend and compare the results side by side any of the hundreds of credit cards featured on the site.
Is cash back better than earning points and miles?
This will heavily depend on your spend habits. A single point or mile is generally worth more than 1 cent, but there are some cash back credit cards that can compete with point and mile earning cards.
How do I know if cash back is the best fit for my spend?
You can use the Credit Card Finder Tools to search for cards by spend, bonus categories, keywords, fees, and more.
