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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.
| Total Cash Back: | $3.00 |
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See Also: 1% Cash Back · 1.5% Cash Back · 2% Cash Back · 4% Cash Back · 5% Cash Back · 10% Cash Back · Percent Off Calculator
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 several top credit cards that earn 3% cash back or more when spending across certain categories:
*Blue Cash Everyday: Earns 3% back on up to $6,000 per calendar year for each individual category, then 1%.
**Citi Custom Cash: Earns 5% back on select category purchases on up to $500 per billing cycle, then 1%.
***Chase Freedom Flex: Earns 5% back on up to $1,500 spent each quarter on featured categories, then 1%.
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.
Find out which credit cards will offer you the most value based on the spend amounts you entered
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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.
3% cash back means you will earn 3 cents ($0.03) back for every $1 spent.
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.
