Chase Cash Back Rewards Calculators

Cash Back Calculators
Calculate how much cash back you can earn with Chase credit cards, compare results side by side top credit cards, and find out which card is the best for you.

Chase is an American multinational bank based out of New York City, New York that offers financial services worldwide. They offer some of the best rewards cards on the market and are most known for their Chase Ultimate Rewards Program.

Chase Cash Back Credit Cards

Chase offers four no-annual fee cash back credit cards consisting of two personal cards and two business cards. These credit cards earn Ultimate Rewards Points that can be in redeemed for a value of 1 cents each for cash back, statement credits, and several other options.

Click on any of the cards below to calculate how much cash back you can earn with Chase credit cards and compare the results side by side top cards.

Best For Flat-Rate Cash Back & Bonus Cash Back

Chase Freedom Unlimited®
Chase Freedom Unlimited®
Intro Bonus
Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
Rewards Rate
5%
Earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.
5%
Earn 5% on Chase travel purchased through Ultimate Rewards®.
3%
Earn 3% on dining and drugstores.
1.5%
Earn unlimited 1.5% cash back on all other purchases.
Main Card Highlights
  • Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
  • Earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.
  • No minimum to redeem for cash back. Cash Back rewards do not expire as long as your account is open.
  • 0% Intro APR for 15 months from account opening on purchases, then a variable APR of 14.99 - 23.74%.
  • No annual fee
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
3%
Best For High Earnings On Rotating Categories
Best For Office Supply & Utilities
Flat-Rate Business Cash Back Rewards

Ultimate Rewards Credit Cards

Chase offer three primary Ultimate Rewards credit cards. These cards offer two key benefits over Chase's cash back credit cards:

  • The ability to redeem Ultimate Rewards Points for 25% to 50% more value for travel through the Chase Ultimate Rewards portal
  • The ability to transfer points to Chase's airline and hotel partners.

If you own at least one Ultimate Rewards credit card, you'll be able to use these benefits when dealing with points earned with Chase's cash back credit cards which significantly bumps up the value.

If you plan on picking up any Chase cash back credit cards or already have, I highly suggest pairing them with any of the Chase Ultimate Rewards credit cards listed below.

Best Well-Rounded Travel Card

Chase Sapphire Preferred®
Chase Sapphire Preferred
Intro Bonus
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®.
Rewards Rates
5X
Earn 5X points on travel purchased through Chase Ultimate Rewards®.
3X
Earn 3X points on online grocery purchases, select streaming services, and dining.
2X
Earn 2X points on all other travel purchases.
1X
Earn 1X points per dollar spent on all other purchases.
Main Card Highlights
  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®.
  • Enjoy new benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5X points on travel purchased through Chase Ultimate Rewards®, 3X points on dining and 2X points on all other travel purchases, plus more.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 100,000 points are worth $1,250 toward travel.
  • With Pay Yourself Backâ„ , your points are worth 25% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories.
  • Get unlimited deliveries with a $0 delivery fee and reduced service fees on eligible orders over $12 for a minimum of one year with DashPass, DoorDash's subscription service. Activate by 12/31/21.
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
  • Get up to $60 back on an eligible Peloton Digital or All-Access Membership through 12/31/2021, and get full access to their workout library through the Peloton app, including cardio, running, strength, yoga, and more. Take classes using a phone, tablet, or TV. No fitness equipment is required.
Annual Fee
$95
Authorized User Fee
$0
Foreign Transaction Fee
0%
Best For High Value & Travel Benefits
Best Business Travel Rewards Card

Specialty Calculators

Find out which Chase credit cards can earn you the most rewards and highest return on your spend. Compare results side by side and review the benefits to see which cards offer you the best value.

Redeeming Chase Cash Back

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 also redeem your points towards travel and gift cards for the same 1 cent in value.

If you have an Ultimate Rewards credit card, you'll be able to redeem your points for a higher value of 1.25 cents or 1.5 cents towards travel and transfer them to Chase's airline and hotel partners which adds additional value to all of Chase's no-annual fee cash back credit cards.

Calculate the cash value of Chase Ultimate Rewards Points based on redemptions. Details on the best ways to maximize your point value.

Chase Comparison Calculators

Review our side-by-side breakdowns of popular credit card comparisons and calculate rewards across all featured cards. Find out which cards earn you the most rewards and the best return on your spend.

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