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.
|Total Cash Back:||$4.00|
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.
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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.
You can click on the estimated earnings to see the calculations or click on the card to learn more and apply for the card through our partners.
Do note that all spend amounts entered into the tool above will carry over to every credit card rewards calculator on the site, so there's no need to re-enter spend if you choose to dive deeper into calculating rewards for credit cards on the site.
4% cash back means you will earn 4 cents ($0.04) back for every $1 spent.
You can use the Credit Card Finder Tool to get a list of the best credit cards based on your spend across categories.