Quick Overview

Here are some of the pros of having a cash back rewards credit card:

  • Straightforward Rewards: Cash back credit cards offer simple, easy-to-understand rewards, making them ideal for those who prefer direct savings over complex points systems.
  • Flexible Redemption: Cash back can typically be redeemed as a statement credit, direct deposit, or gift cards, providing versatility in how you use your rewards.
  • No Travel Restrictions: Unlike travel rewards, cash back isn’t tied to specific airlines, hotels, or blackout dates, allowing for more freedom in how you spend.
  • Low or No Annual Fees: Many cash back credit cards come with low or no annual fees, making them accessible and cost-effective for most users.
  • Wide Earning Categories: Many cash back cards offer bonuses on popular spending categories like groceries, dining, gas, and entertainment, maximizing your everyday purchases.

Use our credit card cash back calculators to determine total cash back for over 50 credit cards based on your monthly spend and how much you value card benefits, minus annual fees.

General Cash Back Credit Card Calculators

Explore how cash back is calculated and use our cash back credit card calculators to determine total cash back for any purchase amount based on various cash back rates.

AMEX Cash Back Credit Card Calculators

American Express offers two top-tier personal cash back credit cards, perfect for earning rewards on everyday purchases in the U.S. across categories like supermarkets, gas stations, transit, and online retail. For small businesses, AMEX’s business cash back card delivers 2% cash back on the first $50K in purchases, making it a strong option for maximizing business expenses.

Capital One Cash Back Credit Card Calculators

Capital One offers three families of cash back credit cards: Savor, Quicksilver, and Spark. Cash back earned with these cards can be redeemed for just about anything, but if you have a Venture Rewards or Spark Rewards card, you can convert it into Capital One miles for even greater value towards travel.

Chase Cash Back Credit Card Calculators

Chase offers several cash back credit cards that earn Ultimate Rewards points, redeemable for cash back at a rate of 1 cent per point. These points can gain even more value when transferred to a Chase travel card, where they can be redeemed through Chase Travel or transferred to Chase’s airline and hotel partners for potentially higher rewards.

Citibank Cash Back

Citibank offers two cash back credit cards that earn ThankYou points redeemable for cash back at a value of 1 cent per point. ThankYou points earned with these cards can be transferred to the Citi Strata Premier Card to be converted into airline miles and hotel rewards points with Citi's transfer partners.

Other Cash Back Credit Card Calculators

AAA Cash Back

AAA offers two credit cards: one designed for everyday cash back and the other geared toward earning rewards on travel-related expenses.

AARP Cash Back

AARP offers two cash back credit cards: one tailored for everyday purchases and the other designed to maximize rewards on travel-related spending.

Alliant Credit Union Cash Back

Alliant offers one cash back credit card that earns 2.5% cash back on the first $10K in purchases during the billing cycle, then 1.5% back.

Bank of America Cash Back

Bank of America offers both personal and business versions of the Customized Cash Rewards and Unlimited Cash Rewards cards. The Customized Cash Rewards cards allow you to choose a 3% cash back category from a list of options, while the Unlimited Cash Rewards cards offer a flat-rate cash back on all purchases.

For maximum value, pair the two: use the Customized Cash Rewards card for purchases in its bonus categories and the Unlimited Cash Rewards card for everything else.

All four cards are eligible for the Preferred Rewards program, which boosts your cash back by up to 75% based on your combined balances with Bank of America and Merrill. This means you can earn up to 5.25% cash back in your chosen category with the Customized Cash cards and 2.625% cash back on all purchases with the Unlimited cards.

If you have funds to invest or save with Bank of America and its partners, these cards offer some of the best cash back opportunities available.

Citizens Bank Cash Back

Citizens Bank offers one cash back credit card that can earn up to 1.8% cash back on all purchases. It has no annual fee and no foreign transaction fee which makes it a solid choice for earning cash back worldwide.

Credit One Bank Cash Back

If you have bad credit and you're looking to rebuild it, Credit One's credit cards can be a solid option. Just note that many of their cards to have an annual fee. I would only recommend these cards if you're unable to pick up credit building cards from other issues like the Capital One QuicksilverOne Rewards Card.

Discover Cash Back

Discover offers two cash back credit cards, both featuring one of their standout perks: the Discover Match promo. This benefit doubles all the cash back you earn during your first year as a cardholder, effectively providing twice the rewards in your first year of membership.

Fidelity Cash Back

Fidelity offers one 2% cash back credit card that has no annual fee and no foreign transaction fees. It's one of the best 2% cash back cards available.

Fifth Third Bank Cash Back

Fifth Third offers two cash back credit cards, both being exclusive to Fifth Third customers. If you already bank with Fifth Third, both cards are solid options.

PayPal Cash Back

PayPal offers one cash back credit card that you can use to earn 3% cash back on PayPal purchases and 1.5% cash back everywhere. For business, PayPal allows cash back to be earned at a rate of 1% which is pretty solid for a debit card.

Pentagon Federal Cash Back

Pentagon Federal offers one cash back credit card that earns 1.5% cash back on all purchases and 2% cash back for PenFed Honors Advantage members.

Petal Cash Back

Petal's cash back credit card earns up to 1.5% cash back after making 12 on-time monthly payments. It has no late fees, no international fees, no annual fee, and no any-other-kind-of-fee fee. Great for rebuilding credit.

PNC Bank Cash Back

PNC's personal cash back card is an excellent option for earning cash back on everyday spend with the only downside being the very low combined rewards cap of $8K per year. PNC's business card is just your standard 1.5% cash back card.

TD Bank Cash Back

TD offers one cash back credit card in the U.S. that allows users to select a 2% and 3% cash back category.

Upgrade Cash Back

Upgrade cash back credit cards can be used as credit cards or as fixed loans. They have no annual fee and offer very high credit limits.

USAA Cash Back

USAA offers two cash back credit cards: one with a flat 1.5% cash back on all purchases and another that provides bonus cash back on gas station, military base, and supermarket spending.

U.S. Bank Cash Back

U.S. Bank offers one cash back credit card that earns 5% cash back on two select categories of your choice on up to $2,000 in combined eligible purchases made during the quarter. It has no annual fee which makes it worth having along side the Chase Freedom Flex and Discover it Card.

Wells Fargo Cash Back

Wells Fargo offers one 2% cash back credit card. It has no annual fee.