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Calculators: Cash Back Credit Cards

Cash Back Programs
Check out the list of cash back credit cards and calculate cash back rewards based on the monthly and yearly spend amounts you enter.
By Robert Flowers III - 2023-11-20

American Express Cash Back

Capital One

Chase Bank

Chase Freedom Unlimited®

  • Earn 5% cash back on travel purchased through Chase Ultimate Rewards®.
  • Earn 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service.
  • Earn 1.5% cash back on all other purchases.
  • $0 annual fee.
Freedom Unlimited Points & Card Value Calculator
Earns cash back that is displayed as Ultimate Rewards points. Points are transferable to other Chase Ultimate Rewards credit cards.

Chase Freedom Flex℠

  • 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate.
  • 5% cash back on travel purchased through Chase Ultimate Rewards®.
  • 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service.
  • 1% cash back on all other purchases.
  • $0 annual fee.
Freedom Flex Points & Card Value Calculator
Earns cash back that is displayed as Ultimate Rewards points. Points are transferable to other Chase Ultimate Rewards credit cards.

Ink Business Cash® Credit Card

  • Earn $900 bonus cash back
  • 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.
  • Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year.
  • Earn 1% cash back on all other card purchases
  • $0 annual fee.
Ink Business Points & Card Value Calculator
Earns cash back that is displayed as Ultimate Rewards points. Points are transferable to other Chase Ultimate Rewards credit cards.

Ink Business Premier℠ Credit Card

  • Earn $1,000 bonus cash back
  • Earn a total of 2.5% cash back on every purchase of $5,000 or more. That's $250 on a purchase of $10,000 when redeemed
  • Earn an unlimited 2% cash back on all other business purchases.
  • $199 annual fee.
No Individual Calculator. Use Credit Card Comparison Tool
Earns cash back that is displayed as Ultimate Rewards points. Points earned with this card CANNOT be transferred to other Chase credit cards.

Citibank

Citi Custom Cash℠ Card

  • 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.
  • Earn unlimited 1% cash back on all other purchases.
  • $0 annual fee.
Citi Points & Card Value Calculator
Earns cash back that is displayed as ThankYou Rewards points. Points are transferable to other Citi ThankYou Rewards credit cards.

Citi® Double Cash Card

  • Earn 2% cash back on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • $0 annual fee.
Citi Points & Card Value Calculator
Earns cash back that is displayed as ThankYou Rewards points. Points are transferable to other Citi ThankYou Rewards credit cards.

Upgrade

AAA

AARP

Alliant Credit Union

Bank of America

Bank of America® Customized Cash Rewards Credit Card

  • Earn 3% cash back in the category of your choice (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases).
  • Earn automatic 2% cash back at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases).
  • Earn unlimited 1% cash back on all other purchases.
  • $0 annual fee.
Cash Back & Card Value Calculator

Citizens Bank

Credit One Bank

Platinum X5 Visa

  • Get 5% cash back rewards on the first $5,000 of eligible gas, grocery, internet, cable, satellite TV, and mobile phone service purchases each year, and then 1% thereafter.
  • Get 1% cash back rewards on all other purchases. Terms Apply.
  • $95 annual fee.
Cash Back & Card Value Calculator

Discover

Discover it® Card Cash Back Calculator

  • Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate.
  • Plus, earn unlimited 1% cash back on all other purchases – automatically.
  • $0 annual fee.
Cash Back & Card Value Calculator

Fidelity

Fifth Third Bank

Paypal

Pentagon Federal

Petal

PNC Bank

PNC Cash Rewards® Visa® Credit Card

  • Earn 4% cash back on gas station purchases*
  • Earn 3% cash back at restaurants*
  • Earn 2% cash back on grocery purchases*
  • Earn 1% cash back on all other purchases.
  • *Earn bonus cash back on gas, restaurant, and grocery purchases on up to $8,000 in spend per year, then 1%.
  • $0 annual fee.
Cash Back & Card Value Calculator

TD Bank

USAA

U.S. Bank

Wells Fargo

Specialty Cash Back Calculators

Credit Card Cash Back Calculator

Use the credit card cash back calculator to find out which cards will you earn the most cash back based on the spend amounts you enter. Results will consist of cash back-earning credit cards from our partners.

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Calculator Options
What Type of Rewards Do You Want To Earn?
This calculator can output the best credit cards for a general rewards type or compile a list of the best credit cards for earning rewards with a specific loyalty program.
Frequent Flyer Programs
Select the frequent flyer program that you want to earn rewards for. Results will include all co-branded credit cards offered by the selected airline and all credit cards partners that allow you to transfer rewards to the selected airline.
Hotel Loyalty Programs
Select the hotel loyalty program that you want to earn rewards for. Results will include all co-branded credit cards offered by the selected hotel program and all credit cards partners that allow you to transfer rewards to the selected hotel program.
Other Loyalty Programs
Select the program that you want to earn rewards for. Results will include all credit cards offered by the selected program and all credit cards partners that allow you to transfer rewards to the selected program.
Personal Or Business?
Are you looking for personal (consumer) credit card or business credit cards? You can also include both in the results.
Include Intro Bonuses?
If set to yes, intro bonuses will be included for a card's calculation ONLY IF you have met the monthly spend criteria based on what's entered into the tool.
Do note that we do not have intro bonuses for all credit cards and we cannot calculate intro bonuses for some cards due to the complexity of some spend requirements.
Enter Your Monthly & Yearly Spend Amounts
Add Categories
Options
Resets all fields in the Category Spending section for all columns. Also clears all saved spend values that carry from calculator to calculator.
Deletes all categories in the Category Spending section so you can start fresh.
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.
Category Currently Selected:
Spend Region:
About Spend Region: Some credit cards feature categories that only earn rewards when spending in a certain region. Changing this category to Domestic or International spend will calculate such for those cards, otherwise it's assumed by Default.

No Results. This is usually due to:

  • There's no good card options based on the spend entered.
  • The calculator is having a brain-fart and is not calculating rewards properly.

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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.

FAQ

How is cash back calculated on credit cards?

Cash back is calculated by multiplying the earning rate by the purchase amount. So if your credit card earns 2% cash back on travel, a $200 travel charge on that credit card would earn you $4 in cash back.

Is 2% cash back a lot?

2% cash back is the minimum amount of cash back most are willing to earn on purchases. There are plenty of 2% cash back credit cards with no annual fee, so earning anything less than that is low.

Are cash back rewards worth it?

Yes. If you don't travel often or want to earn simple, easy rewards, cash back is the route to take.

Is cash back free money?

There are plenty of cash back credit cards with no annual fee, so if you pay off your statement in full every month, all cash back earned will be free money.