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.
By R.Flowers III

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

See Also: 1% Cash Back · 1.5% Cash Back · 2% Cash Back · 4% Cash Back · 5% Cash Back · 10% Cash Back · Percent Off Calculator

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 several top credit cards that earn 3% cash back or more when spending across certain categories:

  • 3% Back: U.S. Supermarkets*, U.S. Online Retail*, & Gas Station*
    Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
  • 3% Back: Dining, Entertainment, Popular Streaming Services, & Grocery
    Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening.
  • 5% Back: Select Category You Spend The Most In Each Billing Cycle**
    Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
  • 5% Back: Quarterly Rotating Categories***
    Earn $200 cash back after you spend $500 on the card within the first 3 months from account opening.

*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%.

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.

Loading Calculator...
If the calculator doesn't load after a few seconds, click here to re-load calculator.
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

No Results. This is usually due to:

  • There's no good card options based on the spend entered.
  • The calculator is having a brain-fart and is not calculating rewards properly.

Enter different values or try again later.

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.

FAQ

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.