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# Calculate 5% Cash Back - Interactive Calculators

Cash Back Calculator
Cash back calculator for calculating 5% cash back based on spend. Also, get the details on how to calculate 5% back and a list of the best cards for earning 5% back or more on your spending.
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## What is 5% cash back?

When a rewards program or credit card is offering 5% cash back, it means that for every \$1 you spend you will earn 5 cents (\$0.05) in the form of cash back.

## How do you calculate 5% cash back?

You can calculate 5% cash back multiplying 0.05 by the amount you plan on spending. If you were to spend \$1,000, you would calculate 5% back by doing \$1,000 x 0.05 which would equal \$50.

## 5% cash back calculator

Use the 5% Cash Back Calculator to calculate 5% cash back based on the value entered.

Enter the total cost of the purchase to calculate 5% cash back.
Cost
Total Cash Back: \$5.00

## 5% quarterly rotating credit cards

There are two credit cards that feature 5% cash back categories that rotate on a quarterly basis. Those cards are the Chase Freedom Flex® and Discover it® card.

Cash back earned on these cards are capped at \$1,500 in combined spend between rotating categories each quarter and once that cap is hit, you'll earn 1% back for the remainder of the quarter.

Personally, I recommend having both of these cards since it gives you the ability to maximize your rewards when a meaningful 5% cash back category is presented to you. They also have no annual fee so there's really no downside to having them.

## 5% cash back credit cards

There are a good handful of credit cards that offer 5% cash back or more in specific categories. Which cards are best will depend on how much you spend.

Here are a few of our favorite credit cards that can earn you 5% cash back or more in a specific category:

## Calculator: Which card will earn you the most cash back?

Input your monthly and yearly spend amounts into the tool below to find out which credit cards will earn you the most cash back on your spending.

Calculator Options
Are you looking for personal (consumer) credit card or business credit cards? You can also include both in the results.
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.
Credit Card Rewards Programs
Select the credit card rewards program that you want to earn rewards for. Results will include all credit cards offered by the selected program and any other credit cards offered by partners that allow you to earn rewards with the selected 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.
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
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.

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

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.

## FAQs

### How much is 5 percent cash back?

5% cash back is 5 cents back on the dollar. So for every \$1 spent, you would get 5 cents back.

### What is 5% cash back on \$100?

5% cash back on a \$100 purchase would would earn you \$5 back.

### How much cash back can I earn at 5% cash back?

It depends on how much you spend. You can use the 5% Cash Back Calculator on this page to calculate total cash back based on your spend.

### Which credit cards offer 5% cash back?

There are several credit cards that offer 5% cash back in select categories including the Citi Custom Cash Card, Chase Freedom Flex® Card, and Discover it® Card.

### How do I know what's the best credit card for my spend?

You can use the Credit Card Finder Tool to get a list of the best credit cards based on your spend across categories.

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Cash Back Calculators & Guides
Use Our Calculator To Maximize Your Rewards

Discover personalized credit card options that match your spending habits and maximizes your rewards.

View the highest offers from our partners and input your monthly and yearly spend amounts into our easy-to-use calculator to find the best credit card options for you!

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