Cash Back Calculator: Calculate Credit Card Rewards

Maximize your cash back. Calculate total cash back based on your spend across the best cash back credit cards on the market and compare results side by side.

Cash back is the most flexible of the rewards 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.

Cash back is worth face value which means you'll always know the value of your rewards. There's no looking for the best redemptions or need to transfer rewards for maximum value. It's just straightforward, good ole cash back.

Best Cash Back Credit Cards

Listed below are a handful of the best cash back credit cards on the market. You can check out the full list and calculate which cards earn you the best return by jumping over to our list of Best Cash Back Credit Cards.

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%
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%
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%
Chase Ink Business Cash® Credit Card
Ink Business Cash® Credit Card
Intro Bonus
Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening
Rewards Rate
5%
Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
2%
Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year
1%
Earn 1% cash back on all other card purchases with no limit to the amount you can earn
Main Card Highlights
  • Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®
  • With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring
  • With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information
  • 0% introductory APR for 12 months on purchases
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
3%

Listed below are cash back programs that features credit cards from our partners. Calculate total cash back and the cash value of the cards based on spend, benefits and annual fees. You can compare the results side by side any credit card featured on the site.

American Express Cash Back Calculators
American Express Cash Back Calculators
American Express offers four cash back credit cards. Cash back earned with the personal credit cards are referred to as Reward Dollars and they are worth face value. Cash back earned with American Express business credit cards are automatically applied to the statement.
Bank of America Cash Back Calculators
Bank of America Cash Back Calculators
Two credit cards. 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. Best benefit is that you can earn up to a 75% cash back bonus based on total investments with Bank of America and their partners.
Capital One Cash Back Calculators
Capital One Cash Back Calculators
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. Capital One credit cards have no foreign transaction fee which makes them great for international travel.
Chase Cash Back Calculators
Chase Cash Back Calculators
Four credit cards. Cash back earned with Chase credit cards are displayed as points. Points can redeemed for 1 cent each as a cash deposit into a U.S. checking/savings account or statement credit. You can increase the value of these rewards towards travel when paired with Chase Ultimate Rewards credit cards.
Citi Cash Back Calculators
Citi Cash Back Calculators
Two credit cards. Cash back earned with Citi can be redeemed for checks, statement credits or gift cards. Cash back can also be converted to Citi ThankYou Points. Points can be transferred to partners if you own the Citi Prestige or Citi Premier credit cards.
Upgrade
Upgrade Cash Back Calculators
Two credit cards. Upgrade cards can be used as a credit card or a personal loan in which you request funds be sent to your bank account from our card's credit limit. They feature the flexibility of a credit card with the low cost and predictability of a personal loan. Upgrade cards also offer credit limits as high as $20,000 and accept FICO scores of 600 and up.

All Cash Back Programs

Alliant Cash Back Calculators
Alliant Cash Back Calculators
One credit card. Must be a member of the credit union. Cash back earned with Alliant Credit Union can be either credited to your Alliant Credit Card via a credit card statement credit (appearing within one billing cycle) or as a deposit into your Alliant checking or savings.
AOD Cash Back Calculators
AOD Cash Back Calculators
One credit card. Must be a member of the credit union. Card offers the highest flat-rate cash back and has no annual fee which makes it one of the best cards in the market.
Citizens Bank Cash Back Calculators
Citizens Bank Cash Back Calculators
One credit card.
Discover Cash Back Calculators
Discover Cash Back Calculators
Three credit cards. Cash back earned with Discover Cards can be redeem for cash, gift cards, charity, and at checkout on Amazon.com. Cash redemptions can be applied to your bill as a statement credit or it can be deposited electronically into your account.
Fidelity Cash Back Calculators
Fidelity Cash Back Calculators
One credit card. Cash back can be used to fund up to 5 accounts of your own or a loved one.
Fifth Third Cash Back Calculators
Fifth Third Cash Back Calculators
Two credit cards. Cards require relationship with Fifth Third Bank. Cash back earned with Fifth Third can be redeemed through the Real Life Rewards portal for cash back, gift cards, merchandise, loan & mortgage credit, travel, and experiences.
HSBC Cash Back Calculators
HSBC Cash Back Calculators
One credit card. Offers a high introductory rate the first year.
PayPal Cash Back Calculators
PayPal Cash Back Calculators
One credit card. You cannot have both this card and the PayPal Extras Mastercard. Cashback earned with the PayPal Cashback Mastercard will be available for you to transfer via a credit to the primary PayPal account linked to the card.
PenFed Cash Back Calculators
PenFed Cash Back Calculators
One credit card. PenFed cash back earned with their credit cards can be redeemed as a statement credit or be deposited into a PenFed account.
PNC Cash Back Calculators
PNC Cash Back Calculators
One credit card. Cash back can be redeemed for a statement credit or be deposited into a qualifying PNC account.
TD Cash Back Calculators
TD Cash Back Calculators
One credit card. Cash back can be redeemed for statement credits.
USAA Cash Back Calculators
USAA Cash Back Calculators
Two credit cards. Must be a USAA member. Cash back can be redeemed as a credit to a USAA account or be deposited into a USAA checking or savings account.
Wells Fargo Cash Back Calculators
Wells Fargo Cash Back Calculators
One credit card. Cash back can be redeemed using a Wells Fargo debit or ATM Card at a Wells Fargo ATM, deposited into a Wells Fargo checking or savings account, or applied as a credit toward a qualifying Wells Fargo mortgage principal balance.

Specialty Calculators

If you want to calculate cash back that isn't particularly associated with a credit card, you can use the cash back calculators below.

We also have a percent off calculator which is great if you're trying to calculate a sale or discount on an item or multiple items.

Specialty Calculators
Calculate different amounts of cash back using our calculators.

Best Cash Back Credit Card Calculator

The Best Cash Back Credit Card Calculator will give you an idea of which credit cards will offer you the most cash back 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.
Loading Categories...
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.

When set to zero (0), they will calculate based on The Point Calculator's valuations. Any non-zero value you enter will be used in the calculations.

You can click on the to learn more about the value of the currency when applicable (opens in a new tab/window). Depending on the calculations, 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
Review our top picks for best cash back credit cards and calculate which cards will earn you the best return based on your spend.
Enter how much you spend monthly or yearly across different categories in our calculator and get a list of credit cards best suited for you.
Use CardMatch™ to get matched with personalized offers you're more likely to qualify for based on your credit profile. No impact to your credit score!

Finished Calculating Rewards?

Select one of the popular card categories below to get started on applying for the best credit cards in the market.

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