5% Cash Back Calculator

Calculate Rewards & Compare Cards
5% Cash Back

Calculate cash back using the 5% cash back calculator, get the results, and compare side by side airline, hotel, and cash back rewards cards.

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. You can calculate 5% cash back multiplying 0.05 by the amount you plan on spending. So if you want to know how much cash back you'll earn spending $1,000, it would be $1,000 x 0.05 which equals $50. There's not any cards that earn 5% cash back on all purchases, but there are several cards that feature rotating 5% quarterly categories as well as cards that feature 5% cash back in certain categories.

Should I Get A 5% Rotating Category Card?

There's a small handful of credit cards that feature 5% rotating categories:

All of these cards have no annual fee and typically offer great 5% categories. If you have the chance to pick up one or more of these cards, I recommend doing so as there's not much to lose and much cash back to gain.

chase freedom 2020
Cards like the Chase Freedom has rotating categories in which you can earn 5% cash back across different categories every quarter!

and Card Value Calculator

You can use this rewards calculator to calculate how many points, miles, or cash back you can earn based on your spend per category. This calculator will also give you the dollar value of the card based on rewards earned and how much each benefit is worth to you minus the fees. You can click the Compare A Card button to compare this card against another card in the same calculator.

All category spend entered in the primary card's column will carry over to all credit card pages on the site so you don't have to re-enter the same information over again.

Credit Card
This calculator will calculate the cash value of the selected credit card(s) based on spend, benefits, and fees. You can compare this card against any other rewards card side-by-side by clicking on the Compare A Card button.
Compare A Card
Edit Card Options
Compare A Card
Family Cards
These cards are part of the same family.
Similar Cards
These are similar cards based on earning structure and other benefits (that aren't part of the same family).
Search Cards
Search for credit cards by name, rewards program, or rewards currency.
Search Results Display Here
Categories Spending
Enter how much you spend in each category listed. You can click on the amount to edit the value, +/- Categories to add and remove categories from the list, and Options to copy spend between columns and clear all spend.
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.
Currently Selected:
Add Categories On Card Change
When you add/change a credit card comparision, the categories missing from the newly added card will be added to the list of categories. Toggle this off to prevent such from happening.
Clear Spend/Mobile
Clear All Spend will clear the spend in all categories in both columns and all saved values (cookies). Clear Mobile will remove the mobile pay option from all categories in both columns.
Copy Spend
Copies all spend amounts and their units of time from one column to the other. Does not copy mobilepay indicator.
Total Earnings
The sum of all spend and bonuses above this line and the cash value of it all.
From Spending
From Bonuses
From Loyalty
Cash Value
Cash value of total earnings based on currency worth.
Monetary Bonuses & Fees
Cash bonuses, annual fees, authorized user fees, and any other listed fees.
Monetary Bonuses
Annual Fee
Auth User Fee
Cash Bonuses
Annual Fee
Auth User Fee
Grand Total
The total estimated value you can get out of this card and the amount of return for your spend.
Total Card Value
The value of the card based on spend, benefits, and fees.
Total Return
The percent you are earning based on spend, earnings, and fees.

If you want to find the best credit card based on your spend, I highly recommend you use the Search For Cards By Spend Calculator. You'll be able to enter your monthly and yearly spend across different categories and get a list of the best credit cards based on that spend. You'll also be able to toggle annual fees, banks, card types, networks, and much more.

There's also a bunch of other helpful credit card calculators on the site that can use such as credit card comparison calculators, hotel elite status calculators, rewards points and miles cash value calculators and much more. You can get the full list of calculators off the home page.

5% Cash Back FAQ

Is there a 5% cash back credit card that earns 5% back on all purchases?

No, but there are credit cards that have 5% cash back quarterly rotating categories and credit cards that earn 5% in certain categories.

Are 5% credit cards with rotating categories worth it?

In my opinion, yes they are. They offer a great return and the cards have no annual fee.

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.

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

You can use the Search For Credit Cards By Spend calculator to get a list of the best credit cards based on your spend across categories.

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