Calculate 4% Cash Back - Interactive Calculators

Cash Back Calculators
Cash back calculator for calculating 4% cash back based on spend. Also, get the details on how to calculate 4% back and a list of the best cards for earning 4% back or more on your spending.
Advertiser Disclosure
Last Updated 2021-10-30

When a rewards program or credit card is offering 4% cash back, it means that for every $1 you spend you will earn 4 cents ($0.04) in the form of cash back.

You can calculate 4% cash back multiplying 0.04 by the amount you plan on spending. So if you spend $1,000, it would be $1,000 x 0.04 which equals $40.

Use the 4% cash back calculator below to calculate cash back based on spend.

4% Cash Back Calculator

Enter the total cost of the purchase.
$
Cost
Total Cash Back: $40.00

What's The Best 4% Cash Back Card?

There are no credit cards in the U.S. that offers 4% cash back across all card purchases, but there are plenty of credit cards that will earn you 4% cash back or more when spending in certain categories.

Listed below are a handful of the best credit cards for earning a 4% return or more on your purchases. You can click on the Rewards Calculator to find out how much you can earn and compare the results side by side top cards.

Best For 5% Back On Select Category

Citi Custom Cashâ„  Card
Citi Custom Cashâ„  Card
Intro Bonus
Earn $200 in cash back after you spend $750 on purchases in the first 3 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
Rewards Rate
5%
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.
1%
Earn unlimited 1% cash back on all other purchases.
Main Card Highlights
  • Earn $200 in cash back after you spend $750 on purchases in the first 3 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
  • 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 13.99% - 23.99%, based on your creditworthiness.
  • 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. Also, earn unlimited 1% cash back on all other purchases.
  • No rotating bonus categories to sign up for – as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories.
  • No Annual Fee
  • Citi will only issue one Citi Custom Cashâ„  Card account per person.
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
3%

Best For 6% Back At U.S. Supermarkets

Blue Cash Preferred® Card from American Express
BCP
Intro Bonus
Earn a $300 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
See if you're pre-approved for this card using the CardMatch™ tool.
Rewards Rate
6%
6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
6%
6% Cash Back on select U.S. streaming subscriptions.
3%
3% Cash Back on transit including taxis/rideshare, parking, tolls, trains, buses and more.
3%
3% Cash Back at U.S. gas stations
1%
1% Cash Back on other purchases
Main Card Highlights
  • Earn a $300 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
  • $0 intro annual fee for the first year, then $95.
  • Buy Now, Pay Later: Enjoy $0 plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 plan fees on plans created during the first 12 months after account opening. Plans created after that will have a plan fee up to 1.33% of each purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
  • Low intro APR: 0% for 12 months on purchases from the date of account opening, then a variable rate, 13.99% to 23.99%
  • 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
  • 6% Cash Back on select U.S. streaming subscriptions.
  • 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
  • 1% Cash Back on other purchases.
  • Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit.
  • Terms Apply.
Annual Fee
$0 the first year, then $95
Authorized User Fee
$0
Foreign Transaction Fee
2.7%

Best For 5% Back On Quarterly Rotating Categories

Chase Freedom Flexâ„ 
Chase Freedom Flexâ„ 
Intro Bonus
Earn a $250 bonus after you spend $500 on purchases in the first 3 months from account opening.
Rewards Rate
5%
Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate.
5%
Earn 5% on Chase travel purchased through Ultimate Rewards®.
3%
Earn 3% on dining and drugstores.
1%
Earn 1% on all other purchases.
Main Card Highlights
  • Earn a $250 bonus after you spend $500 on purchases in the first 3 months from account opening.
  • Enjoy new 5% categories each quarter!
  • 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 5% Back On Office Supplies & Utilities

Chase Ink Business Cash® Credit Card
Ink Business Cash® Credit Card
Intro Bonus
Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening
Rewards Rate
5%
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
2%
Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year
1%
Earn 1% cash back on all other card purchases with no limit to the amount you can earn
Main Card Highlights
  • Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®
  • With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring
  • With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information
  • 0% introductory APR for 12 months on purchases
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
3%

If none of these cards interest you, I recommend checking our list of the best cash back credit cards or using the Credit Card Finder Tool to find which cash back cards earn you the most back based on your spend.

FAQ

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

Follow on Instagram
Pin Us On Pinterest
Subscribe on YouTube
RSS/XML
Support Us With Amazon
🇺🇸 US • 🇨🇦 CA • 🇬🇧 UK • 🇦🇺 AU