Cash Back Credit Card Calculators

Use the credit card cash back calculator to find out which cards will you earn the most cash back based on the spend amounts you enter. Results will consist of cash back-earning credit cards from our partners.

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Calculator Options

Personal Or Business?

Are you looking for personal (consumer) credit card or business credit cards? You can also include both in the results.

What Type of Rewards Do You Want To Earn?

This calculator can output the best credit cards for a general rewards type or compile a list of the best credit cards for earning rewards with a specific loyalty program.

Frequent Flyer Programs

Select the frequent flyer program that you want to earn rewards for. Results will include all co-branded credit cards offered by the selected airline and all credit cards partners that allow you to transfer rewards to the selected airline.

Hotel Loyalty Programs

Select the hotel loyalty program that you want to earn rewards for. Results will include all co-branded credit cards offered by the selected hotel program and all credit cards partners that allow you to transfer rewards to the selected hotel program.

Credit Card Rewards Programs

Select the credit card rewards program that you want to earn rewards for. Results will include all credit cards offered by the selected program and any other credit cards offered by partners that allow you to earn rewards with the selected program.

Other Loyalty Programs

Select the program that you want to earn rewards for. Results will include all credit cards offered by the selected program and all credit cards partners that allow you to transfer rewards to the selected program.

Include Intro Bonuses?

If set to yes, intro bonuses will be included for a card's calculation ONLY IF you have met 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 due to the complexity of some spend requirements.

Enter Your Monthly & Yearly Spend Amounts

Add Categories

Options

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

Deletes all categories in the Category Spending section so you can start fresh.

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.

Category Currently Selected:

Spend Region:

About Spend Region: Some credit cards feature categories that only earn rewards when spending in a certain region. Changing this category to Domestic or International spend will calculate such for those cards, otherwise it's assumed by Default.

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.

FAQs

How is cash back calculated on credit cards?

Cash back is calculated by multiplying the earning rate by the purchase amount. So if your credit card earns 2% cash back on travel, a $200 travel charge on that credit card would earn you $4 in cash back.

Is 2% cash back a lot?

2% cash back is the minimum amount of cash back most are willing to earn on purchases. There are plenty of 2% cash back credit cards with no annual fee, so earning anything less than that is low.

Are cash back rewards worth it?

Yes. If you don't travel often or want to earn simple, easy rewards, cash back is the route to take.

Is cash back free money?

There are plenty of cash back credit cards with no annual fee, so if you pay off your statement in full every month, all cash back earned will be free money.