Quick Overview
- Earning 4% cash back means you'll receive 4 cents back for every $1 spent, so if you spend $100, you'd get $4 in cash back.
- To calculate 4% cash back, multiply the purchase amount by 0.04. For example, 4% cash back on a $200 purchase is $200 x 0.04, which equals $8.
Use our 4% cash back calculator to quickly find out how much cash back you'll earn on any dollar amount at a 4% rate.
What is 4% cash back?
A 4% cash back rate means you earn 4 cents for every dollar spent on eligible purchases within the specified category. For instance, if you spend $100 on a purchase that qualifies for 4% cash back, you’ll receive $4 in rewards.
This percentage is commonly offered during retail promotions as well as on select credit cards for specific spending in categories such as travel, dining, and supermarkets.
How do you calculate 4% cash back?
To calculate 4% cash back, multiply the total amount of an eligible purchase by 0.04. This will give you the cash back amount earned for that transaction. For example, if you spend $250 on a purchase that qualifies for 4% cash back, the calculation would be $250 × 0.04, resulting in $10 in cash back rewards.
This method applies to each eligible purchase, and the total cash back earned will depend on your spending. If you're calculate cash back for a credit card, note that some credit cards may have limits on the amount of spending eligible for 4% cash back, so it's important to check your card's terms and conditions.
4% cash back calculator
Use the 4% cash back calculator to calculate 4% cash back earnings based on any value entered.
Calculator: How much is 4% cash back?
| Total Cash Back: | $4.00 |
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4% back credit cards
No credit cards offer a flat 4% cash back on all purchases, but several provide 4% back in specific categories.
Here are some credit cards that feature 4% cash back or offer a 4% return on spending through points or miles:
- American Express® Gold Card:
Earns 4X points at restaurants worldwide on up to $50K per year and 4X at U.S. supermarkets on up to $25K per year. 4% return on airfare booked through AMEX, higher if transferring points to AMEX partners.
- U.S. Bank Altitude® Go Visa Signature® Card:
4X points on dining, takeout and restaurant delivery. 4% return for travel, gift cards, and statement credits.
- U.S. Bank Altitude® Connect Visa Signature® Card:
4X points on travel and 4X points at gas station/EV charging stations on up to $1K per quarter. 4% return for travel, gift cards, and statement credits.
- Costco Anywhere Visa® Card:
4% back at gas stations and Costco gas stations on up to $7K per year. Cash back only redeemable with Costco.
What's the best cash back credit card?
Which cash back credit card is best for you will depend on a large number of factors — how much you spend per month, the type of benefits you're looking for, preferred banks (if any), and more.
Use our cash back credit card calculator to find cards that will earn you the most cash back based on your spending habits and other criteria. You can then click on cards to learn more about them and to see if they fit what you're looking for.
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Clear all of the spend amounts entered into the calculator.
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- 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
Listed below are the results based on what you entered into the tool above. These estimates are to help guide you towards making the best decision when it comes to picking up a rewards credit card.
You can click on "Show Calculations" to see a breakdown of how the rewards were calculated, click on the card itself to learn more/apply through our partners (big thanks if you do!), or click on any of the other links to learn more about the card and it's rewards.
Do note that some of the calculations are rounded so it is possible that the estimated values may be off by a point or two when added up.
Remember that this particular tool uses our point/mile valuations, the intro bonuses we have in the database, and includes the maximum (calculable) bonuses for each card. If you want to have control over these options and much more, slide over to the Rewards Credit Card Directory & Calculator.
These calculations should be used for illustrative purposes only.
FAQs
What is 4% cash back?
4% cash back means you will earn 4 cents ($0.04) back for every $1 spent.
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.
