Cash Back Credit Card Calculators

By Robert Flowers III

Cash back credit cards generally provide the most flexible rewards since redemption options usually include the option to redeem cash back in the form of a statement credits or a cash deposits to a bank account. This means you can pretty much use cash back towards any type of purchases. You will not be tied down to redeeming with a specific airline, hotel, or other program nor will you have to worry about finding redemptions that give you the best value since cash back is redeemed at face value.

Listed on this page are all U.S. cash back credit cards covered on the site. You can click on a card to learn more about earning rates, benefits, sign up bonuses, and annual fees. Each credit card listed has a cash back calculator which allows you to calculate total cash back and cash value based on spend, the value of benefits, and annual fees. You'll be able to compare results side by side any U.S. credit cards featured on the site.

Alliant Cash Back Calculators

Alliant Cashback Visa Signature Card Calculator

Earns 2.5% cash back on all purchases on up to $10,000 in qualifying purchases per billing cycle.

American Express Cash Back Calculators

AMEX Blue Cash Preferred Card Calculator

Earns 6% cash back on U.S. supermarket (spend cap of $6,000) and U.S. streaming services purchases, 3% back on U.S. gas station and transit purchases, and 1% cash back on everything else. Card offers standard AMEX benefits including ShopRunner, AMEX offers, and travel/purchase coverage.

AMEX Blue Cash Everyday Card Calculator

Earns 3% cash back on U.S. supermarket purchases (spend cap of $6,000), 2% cash back on U.S. gas station and U.S. department store purchases, and 1% cash back on everything else. Card offers standard AMEX benefits including ShopRunner, AMEX offers, and travel/purchase coverage. No annual fee.

AMEX Cash Magnet Card Calculator

Earns 1.5% cash back on all purchases. Card offers standard AMEX benefits including ShopRunner, AMEX offers, and travel/purchase coverage. Pairs well with Blue Cash Preferred or Blue Cash Everyday. No annual fee.

AMEX Blue Business Cash Card Calculator

Earns 2% cash back on the first $50,000 in purchases made during the year, then earns 1% cash back the remainder of the year. Top cash back business card. No annual fee.

AMEX Simplycash Plus Business Card Calculator

Not Opened To New Applicants.

AOD Federal Credit Union Cash Back Calculators

AOD Visa Signature Card Calculator

Earns 3% cash back on all purchases. No annual fee, no balance transfer frees, no foreign transaction fees. Offers basic Visa Signature benefits. One of the top cash back credit cards on the market.

Bank of America Cash Back Calculators

Bank of America Cash Rewards Card Calculator

Earns 3% cash back on one category of your choosing between: gas station, online shopping, dining, travel, drugstore, or home improvement/furnishings purchases. Also earns 2% back on grocery and wholesale club purchases. Non-selected categories and all other purchases earns 1% back. Benefits include a 10% point bonus for having BOA accounts and up to 75% bonus (amongst other perks) for investing with BOA and partners. No annual fee.

Bank of America Business Advantage Cash Rewards Card Calculator

Earns 3% cash back on one category of your choosing between: gas station, office supply store, travel, TV/wireless, computer services, and business consulting services. Also earns 2% back on dining. Non-selected categories and all other purchases earns 1% back. Main benefit is the ability to earn up to a 25% to 75% point bonus (amongst other perks) for investing with BOA and partners. No annual fee.

Capital One Cash Back Calculators

Capital One Quicksilver Card Calculator

Earns 1.5% cash back on all purchases. No annual fee. Pairs well with the Savor or Savor One Card.

Capital One Quicksilver One Card Calculator

Earns 1.5% cash back on all purchases, but has an annual fee. Considered a credit rebuilding card for those with low credit scores. Pairs well with the Savor or Savor One Card.

Capital One Savor Card Calculator

Earns 4% cash back on restaurant and entertainment purchases, 2% back on grocery, and 1% back on everything else.

Capital One Savor One Card Calculator

Earns 3% cash back on restaurant and entertainment purchases, 2% back on grocery, and 1% back on everything else. No annual fee.

Capital One Spark Cash Business Visa Card Calculator

Earns 2% cash back on all purchases. Comes with standard Capital One and Visa Business benefits.

Capital One Spark Cash Select Business Visa Card Calculator

Earns 1.5% cash back on all purchases. No annual fee. Comes with standard Capital One and Visa Business benefits.

Capital One Spark Classic Business Visa Card Calculator

Earns 1% cash back on all purchases. No annual fee.

Chase Cash Back Calculators

Chase Freedom Flex Card Calculator

Features 5% cash back rotating categories. Also earns 5% cash back on the Chase Travel Portal, 3% back on dining and drugstore, and 1% back on everything else. No annual fee. Considered a top rewards card.

Chase Freedom Unlimited Card Calculator

Earns 5% cash back on the Chase Travel Portal, 3% back on dining and drugstore purchases, and 1% back on everything else. No annual fee. Pairs well with any Chase cash back or Chase Ultimate Rewards credit card.

Chase Ink Business Cash Card Calculator

Earns 5% cash back on office supply store, internet, cable, and phone purchases, 2% back on gas and restaurant purchases, and 1% back on everything else. No annual fee.

Chase Ink Business Unlimited Card Calculator

Earns 1.5% cash back on all purchases. No annual fee. Pairs well with any Chase cash back or Chase Ultimate Rewards credit card.

Citi Cash Back Calculators

Citi Double Cash Card Calculator

Earns 1% cash back on purchases and 1% back when you pay off those purchases for a total of 2% cash back. No annual fee. Benefits include a waived late fee on the first missed payment and the ability to convert rewards to ThankYou Points. Pairs well with Citi ThankYou Rewards credit cards.

Citizens Bank Cash Back Calculators

Citizens Cash Back Plus World Mastercard Calculator

Earns 1.8% cash back on all purchases. Benefits include great travel and purchase insurance. No annual fee and no foreign transaction fee.

Comerica Cash Back Calculators

Comerica Cash Rewards AMEX Card Calculator

Calculator Only. Earns 3% cash back on gas (on first $6,000 spent per year), 2% back on supermarket, and 1% back on everything else. No annual fee.

Credit One Cash Back Calculators

Credit One Platinum Rewards Visa Card Calculator

Earns 5% cash back on the first $5,000 in combined spend on gas station, grocery, internet, cable/satellite TV, and mobile phone services purchases. You'll earn at 1% back once you hit the annual cap. All other purchases earn 1% back.

Credit One Platinum Rewards Visa (No Fee) Card Calculator

Earns 2% cash back on gas station, grocery, internet, cable/satellite TV, and mobile phone services purchases. You'll earn no cash back on purchases made outside of these categories. No annual fee.

Credit One Platinum Visa Card Calculator

Earns 1% cash back on gas station, grocery, internet, cable/satellite TV, and mobile phone services purchases. You'll earn no cash back on purchases made outside of these categories.

Credit One Platinum Visa For Rebuilding Credit Card Calculator

Earns 1% cash back on gas station, grocery, internet, cable/satellite TV, and mobile phone services purchases. You'll earn no cash back on purchases made outside of these categories. Annual fee on this card ranges from $0 to $99 annually and can be billed annually or month-by-month.

Credit One Bank American Express Card Calculator

Earns 1% cash back on all purchases. Benefits include access to AMEX Offers, travel accident insurance, and retail protection.

Credit One NASCAR Card Calculator

Earns 2% cash back on NASCAR shop purchases and 1% back on eligible purchases which are unknown until you're approved for an account. Benefits include NASCAR perks such as deals, discounts and experiences, a discounted NASCAR Members Club membership, and access to your Experian credit score.

Discover Cash Back Calculators

Discover IT Card Calculator

Features quarterly rotating 5% cash back categories. All other purchases earn 1% back. No annual fee. Benefits include access to Discover Deals and matched cash back for the first 12 months which equates to 10% cash back on bonus categories. Great card to have due to high cash back potential.

Discover IT Chrome Card Calculator

Earns 2% cash back on gas station and restaurant purchases and 1% back on all other purchases. No annual fee. Benefits include access to Discover Deals and matched cash back for the first 12 months which equates to 4% cash back on bonus categories.

Discover IT Business Card Calculator

Earns 1.5% cash back on all purchases. No annual fee. Benefits include matched cash back for the first 12 months which equates to 3% cash back on all purchases.

Fidelity Cash Back Calculators

Fidelity Rewards Visa Signature Card Calculator

Earns 2% cash back on all purchases. Cash back can be used to fund up to 5 different types of Fidelity accounts. Benefits include good travel and purchase insurance. No annual fee.

Fifth Third Cash Back Calculators

Fifth Third Trio Card Calculator

Earns 3% cash back on restaurant purchases, 2% back on gas station, grocery, and drug store purchases, and 1% back on everything else. All 3% and 2% categories share a quarterly combined spend cap of $1,500. Benefits include Postmates discounts, ShopRunner membership, cell phone protection, and other Mastercard benefits. No annual fee.

Fifth Third Trio Preferred Card Calculator

Earns 3% cash back on restaurant purchases, 2% back on gas station, grocery, and drug store purchases, and 1% back on everything else. No cap on rewards earned. Requires you being a Fifth Third Preferred Banking client. Benefits include Postmates discounts, ShopRunner membership, cell phone protection, and other Mastercard benefits. No annual fee.

HSBC Cash Back Calculators

HSBC Cash Rewards Mastercard Calculator

Earns 3% cash back on the first $10,000 in purchases made during the first year introductory rate, then 1.5% cash back for the remainder of card membership. Benefits include Mastercard perks and discounts which includes ShopRunner membership, Postmates discounts, onefinestay discounts, and more. No annual fee.

PayPal Cash Back Calculators

PayPal Cashback Mastercard Calculator

Earns 2% cash back on all purchases. No annual fee and no foreign transaction fee.

PayPal Business Debit Mastercard Calculator

Calculator Only. Earns 1% back on all debit card purchases made on the card. Tied to PayPal business account. No annual fee.

PenFed Cash Back Calculators

PenFed Power Cash Rewards Visa Card Calculator

Earns 2% cash back on all purchases as a PenFed Honors Advantage Member or 1.5% back as a non-member. No annual fee.

PNC Cash Back Calculators

PNC Cash Rewards Card Calculator

Earns 4% cash back on gas station, 3% back on restaurant, 2% on grocery, and 1% back on everything else. The 2% to 4% categories have a $8,000 spend cap per year. No annual fee.

PNC Cash Rewards Business Card Calculator

Earns 1.5% cash back on all purchases. Offers travel and purchase coverage. No annual fee.

TD Bank Cash Back Calculators

TD Cash Credit Card Calculator

Earns 3% cash back on dining, 2% back on grocery, and 1% back on everything else. No annual fee.

USAA Cash Back Calculators

USAA Cashback Rewards Plus Card Calculator

Earns 5% cash back on gas station and Military base purchases, 2% back on supermarket purchases, and 1% back everywhere else. Card offers Military APR benefits. No annual fee.

USAA Preferred Cash Rewards Visa Signature Card Calculator

Earns 1.5% cash back on all purchases. Benefits include Military APR perks and great travel insurance and purchase coverage. No annual fee. Pairs well with the USAA Cashback Rewards Plus Card.

Wells Fargo Cash Back Calculators

Wells Fargo Cash Wise Visa Card Calculator

Earns 1.5% cash back on all purchases. Benefits include the ability to earn bonus rewards shopping through the More Mall Portal, cell phone protection, and auto rental collision damage waiver insurance. No annual fee.