Cash Back Rewards Programs: Calculators & Guides

Cash Back Rewards
Calculate how much cash back you can earn with top credit cards from AMEX, Chase, Citi and other lenders and compare results side by side.

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 your rewards being devalued which commonly happens with some airline and hotel rewards programs.

This page details popular cash rewards programs and programs from our partners. You can check out our credit card cash back calculators if you want a list of all credit cards and calculators.

American Express Cash Back

  • Number of Credit Cards: 4
  • Popular Bonus Categories Featured: U.S. Supermarket, U.S. Department Store, U.S. Gas Station, Popular Streaming Services
  • Reason Why It's Popular: Offers up to an industry leading 6% cash back on U.S. supermarket spend
  • Best Way To Maximize: Pair any Blue Cash card with the American Express Cash Magnet® Card to earn between 1.5% and 6% cash back on all purchases

The Blue Cash Preferred® Card from American Express

Best For U.S. Supermarket Purchases

The Blue Cash Everyday® Card from American Express

Best For U.S. Supermarket Purchases with No Annual Fee

American Express Blue Business Cash™ Card

Best For Small Business

AMEX Cash Back Calculators

All calculators and guides for earning and redeeming cash back with AMEX

Bank of America Cash Back

  • Number of Credit Cards: 4
  • Popular Bonus Categories Featured: Online Shopping, Gas Station, Dining, Home Improvement, Office Supply Store, Computer Services
  • Reason Why It's Popular: Ability to choose a select 3% back category; Earn up to 5.25% cash back with the Preferred Rewards programs
  • Best Way To Maximize: Pair any Customized Cash Rewards card with any Unlimited Cash Rewards card to earn no less than 1.5% back on any purchases and as much as 5.25% on a select category

Bank of America® Customized Cash Rewards credit card

Best For Targeted 3% Cash Back

Bank of America® Unlimited Cash Rewards

Best For 1.5% Cash Back

Bank of America® Business Advantage Customized Cash Rewards credit card

Best For Targeted 3% Cash Back Business Categories

Bank of America Cash Back Calculators

All calculators and guides for earning and redeeming cash back with Bank of America

Capital One Cash Back

  • Number of Credit Cards: 6
  • Popular Bonus Categories Featured: Dining, Entertainment, Popular Streaming Services, Grocery Stores
  • Reason Why It's Popular: Easy-to-redeem rewards; Earn cash back worldwide with no foreign transaction fees
  • Best Way To Maximize: Pair any Savor credit card with the Quicksilver to earn between 1.5% and 4% cash back on all purchases

Capital One SavorOne Cash Rewards Card

Best For Dining & Entertainment with No Annual Fee

Capital One Quicksilver Cash Rewards Credit Card

Best For 1.5% Cash Back Worldwide

Capital One Spark Cash Plus

Best For Heavy Business Spend

Capital One Cash Back Calculators

All calculators and guides for earning and redeeming cash back with Capital One

Chase Cash Back

  • Number of Credit Cards: 7
  • Popular Bonus Categories Featured: Dining, Travel, Drugstore, Internet, Cable, Phone, Office Supply
  • Reason Why It's Popular: In addition to cash back, points can be redeemed for high value towards travel when paired with the Chase Sapphire Preferred, Chase Sapphire Reserve or Ink Business Preferred
  • Best Way To Maximize: For cash back, pair both of the Freedom cards; For travel, pair any amount of cash back cards with any Ultimate Rewards credit card

Chase Freedom Flex℠

Best For 5% On Popular Quarterly Rotating Categories

Chase Freedom Unlimited®

Best For Flat-Rate Cash Back & Bonus Cash Back

Chase Ink Business Cash® Credit Card

Best For Office Supply & Utilities

Chase Cash Back Calculators

All calculators and guides for earning and redeeming cash back with Chase

Citi Cash Back

  • Number of Credit Cards: 2
  • Bonus Categories Featured: Restaurant, Travel, Gas Station, Grocery, Drugstore, Home Improvement, Fitness Clubs
  • Reason Why It's Popular: Easy to earn 2% to 5% cash back on all purchases; Points can be redeemed for high value towards travel when paired with the Citi Premier® Card
  • Best Way To Maximize: Pair the Double Cash and Custom Cash for 2% to 5% back on all purchases; Pair both cash back cards with the Citi Premier for high redemption value towards travel

Citi® Double Cash Card

Best For 2% Cash Back

Citi Custom Cash℠ Card

Best For Automatic 5% Cash Back

Citi Cash Back Calculators

All calculators and guides for earning and redeeming cash back with Citi

Upgrade Cash Back

  • Number of Credit Cards: 2
  • Popular Bonus Categories Featured: Home, Auto, Health
  • Reason Why It's Popular: High credit lines of up to $20,000 or more; Flexibility to pay off large purchases; High earning rates on high-cost purchases

Upgrade Triple Cash Visa Card

Best For 3% Back On Home, Auto, and Health

Upgrade Visa® Card with Cash Rewards

Best For 1.5% Cash Back

Upgrade Cash Back Calculators

All calculators and guides for earning and redeeming cash back with Upgrade

Cash Back Calculator

Use the Credit Card Cash Back Calculator to determine how much you can earn by inputting your monthly or yearly spending amounts.

Results will be sorted by net return. This is calculated by taking the average value of the rewards earned adding the average value of card benefits and subtracting any annual fees the card has.

Results will consist of credit cards from our partners as well as other top-rated cash back credit cards in the market.

Loading Calculator...
If the calculator doesn't load after a few seconds, click here to re-load calculator.
Category Spending
Resets all fields in the Category Spending section for all columns. Also clears all saved spend values that carry from calculator to calculator.
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.
Type at least 3 characters.
Currently Selected:
Spend Region:
Income Requirement
Income Type
Select if you're looking for credit cards based on your own individual income or if you're looking for credit cards based on the income of the entire household.
Income Maximum
Select the maximum income requirement you want listed in your top picks.

No Results. This is usually due to:

  • There's no good card options based on the spend entered.
  • The calculator is having issues calculating rewards.

Enter different values or try again later.

Results

These estimates are to help guide you towards making the best decision when it comes to picking up a rewards credit card. They should be used for illustrative purposes only.

All credit card links listed below will open in a new tab/window so that you will not lose your search results and all spend entered in the fields above will carry over to every credit card rewards calculator on the site so there's no need to re-enter spend.