Calculate 3% Cash Back - Interactive Calculators

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What is 3% cash back?

When a rewards program or credit card is offering 3% cash back, it means that for every $1 you spend you will earn 3 cents ($0.03) in the form of cash back.

How do you calculate 3% cash back?

You can calculate 3% cash back multiplying 0.03 by the amount you plan on spending. So if you spend $1,000, it would be $1,000 x 0.03 which equals $30.

3% cash back calculator

Use the 3% cash back calculator below to calculate cash back based on spend.

Enter the total cost of the purchase to calculate 3% cash back.

Cost

Total Cash Back:	$3.00

What's the best 3% cash back card?

If you're looking to earn 3% cash back across purchases, your best bet is to pick up a card that earns 3% cash back (or more) in a category you often spend in.

Here are a few of our top picks for credit cards that earn 3% cash back or more when spending across certain categories.

Blue Cash Everyday® Card from American Express

$200 Statement Credit

Best no-annual fee cash back credit card for U.S. online retail, U.S. supermarket and U.S. gas station purchases.

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Citi Custom Cash℠ Card

$200 cash back

Earn 5% back on your top eligible spend category on up to $500 per month (then 1%). No annual fee.

Learn More

Chase Freedom Flex℠

$200 cash back

Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. No annual fee.

Learn More

Calculate credit card 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.

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Category Spending

Resets all fields in the Category Spending section for all columns. Also clears all saved spend values that carry from calculator to calculator.

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:

Spend Region:

Income Requirement

Income Type

Select if you're looking for credit cards based on your own individual income or if you're looking for credit cards based on the income of the entire household.

Income Maximum

Select the maximum income requirement you want listed in your top picks.

Calculator Options

Personal & Business Cards

Select which type of credit cards appear in the results. You can choose from personal (consumer) credit cards, business credit cards, or both.

Include Intro Bonuses?

If set to yes, intro bonuses will be included in the calculations if you meet 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.

Find out which credit cards will offer you the most value based on the spend amounts you entered

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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

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.

Best Credit Cards

Listed below are up to 10 of the best rewards credit cards based on the spend amounts you entered (when applicable).

Travel Cards

Travel credit cards are great for building rewards redeemable towards a wide variety of travel including airfare, hotels, car rentals, cruises, and more. Most travel cards also offer a range of benefits that can make your trips more enjoyable and save you money.

Cash Back Cards

Cash back is one of the most flexible form of rewards and most easy to understand. Rewards earned are worth face value and they can be used towards almost anything.

Rewards Cards

If you're looking to earn a solid return on your spend, rewards credit cards are the way to go. These cards offer general rewards that can be used towards a number of different redemptions including cash back, statement credits, travel, gift cards, and more.

Airline Cards

These are the best credit cards if you're looking to use rewards towards award flights. Co-branded credit cards offer benefits such as lounge access the ability to earn qualifying miles through spending.

Hotel Cards

If you're looking to use rewards towards free nights at hotels, these are the best cards for you. Many co-branded hotel cards offer great benefits such as annual free nights, complimentary elite status, and more.

No Annual Fee Cards

If you're looking to minimize your immediate costs while still earning plenty of value, you may want to consider a credit card with no annual fee. Some of these cards also offer lower interest rates and balance transfer offers.

No Foreign Transaction Fee Cards

When you make a charge with your credit card outside of the U.S., many card issuers will charge you a foreign transaction fee which is typically around 3% of the purchase price. Luckily, many credit cards waive foreign transaction fees which is great if you're looking to earn rewards on international spending and travel.