Calculate 3% Cash Back - Interactive Calculators

Cash Back Calculators
Cash back calculator for calculating 3% cash back based on spend. Also, get the details on how to calculate 3% back and a list of the best cards for earning 3% back or more on your spending.

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.

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.

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.
Redemption Average Dollar Value
Total Cash Back: $3.00

What's The Best 3% Cash Back Card?

There's only one popular credit card that earns 3% cash back across all purchases, and that is the AOD Visa Signature Card. The card requires you to be a member of the AOD Credit Union as well meet other requirements.

If you're not able to pick up that card, there's plenty of other credit cards that can earn you 3% cash back across specific categories. Listed below are a few of the best options for 3% cash back or more.

Best For 3% Back At U.S. Supermarkets

Blue Cash Everyday® Card from American Express
Blue Cash Everyday Card from American Express
Annual Fee: $0
$200 Back
Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
See if you're pre-approved for this card using the CardMatch™ tool.

Best For 3% Back On A Select Category

Bank of America® Customized Cash Rewards credit card
Bank of America® Customized Cash Rewards credit card
Annual Fee: $0
$200 Back
$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening

Best For 3% Back On Dining & Drugstores

Chase Freedom Unlimited®
Chase Freedom Unlimited®
Annual Fee: $0
Up To $300 Back
Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!

Best For 3% Back On Dining, Entertainment, and Streaming

Capital One SavorOne Cash Rewards Credit Card
Capital One SavorOne Cash Rewards Credit Card
Annual Fee: $0
$200 Cash Bonus
Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening

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.


What is 3% cash back?

3% cash back means you will earn 3 cents ($0.03) 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.