Cash Back Calculator
Know how much Cash back you can earn from credit cards and shopping rewards
Your Cash Back Earnings
Summary of potential rewards
A survey found that the average person in America misses around $300 per year because of not tracking their cashback reward. If you are a person who frequently shops or maximizes savings while using a reward credit card, the Cash Back Calculator will definitely help you to track, calculate, and optimize your spending to maximize the savings that you deserve.
If you are an everyday spender, a frequent shopper, or a business traveler cash back calculator can turn daily spending in significant annual savings. You can use this tool for multiple types of spending by selecting simple and annual cash back calculations. You will get the most accurate result as per your input value. With this tool, you can maximize your reward.
Credit Card Cash Back Calculator
Find out how much you could earn in rewards with different credit cards
1Select Your Credit Card
Popular Cards:
2Enter Your Monthly Spending
Card Name - Cash Back Results
Monthly calculation based on your spending
Total Cash Back
Spending Summary
Category Breakdown
How a Cash Back Calculator Works
Cash Back Calculator Works on a very simple and easy-to-understand formula, which is the cash back rewards formula.
Where:
Spending x Cash Back Percentage = Rewards Earned
To make this formula simpler, we can understand it through a calculation.
Example: If you spend $1,000/month on groceries using a credit card that offers 3% back in that category, $1,000 x 0.03 = $30/month or $360/year in rewards
Types of Cash Back Programs
| Type | Description | Example |
| Flat-rate | Equal cash back % on all types of purchases | Citi Double Cash (2%) |
| Tiered | Different rates for different spending tiers | Bank of America Customized Cash |
| Category-specific | Greater rewards for specific categories, often rotating quarterly | Chase Freedom Flex |
Step-by-Step Guide for Using Cash Back Calculator
- Choose Your Credit Card – Select your card type from the given options.
- Input Monthly Spending – Enter your spending amount by category (e.g., groceries, gas, travel).
- View Earnings(Reward) – When you click on calculate cash back, you will get your estimated monthly and annual savings.
- Compare Alternatives – Get personalized suggestions for better cashback earning cards based on your spending habits.
Why Use Our Cash Back Calculator?
Unlike other complex tools, this Cash Back Calculator is built with multiple features with that you can calculate your normal cashback and also your Credit Card cashback.
Key Features:
- Secure: No Need to sign up, it's completely free it doesn't store any information.
- Clean and Simple: It has a clean and simple UI, easy to understand for all kinds of users
- Card Comparison: As per your spending habits, you can compare cards that are suitable for you, like Chase Freedom, Citi Double Cash, etc.
- Estimated Annual Savings: After calculating the result, you will know how much cash back you can earn annually.
Advanced Tips to Maximize Cash Back
Want to earn more and more cashback? Here are used strategies to increase your cash back on your spending.
- Stack Rewards: Use shopping websites or apps for an extra % back.
- Leverage Sign-Up Bonuses: Many websites offer sign-up bonuses for new users and give maximum discounts.
- Avoid Redemption Issue: If possible, choose the direct deposit or statement credit option, and avoid the merchandise redemption option.
- Track Spending Regularly: Track your regular spending and check how much cashback you can earn.
- Pair Cards Category Specific: Use a category-specific card for groceries and a flat-rate one for everything else, which can increase your cash back more than usual.
Top 5 Cash Back Credit Cards Compared
| Card Name | Flat Rate or Tiered | Max % Back | Annual Fee | Best For |
| Citi Double Cash | Flat-rate | 2% | $0 | Everyday spending |
| Chase Freedom Flex | Rotating categories | 5% | $0 | Category strategists |
| Discover It Cash Back | Rotating categories | 5% | $0 | Online & grocery shoppers |
| Blue Cash Preferred | Tiered | 6% (groceries) | $95 | Families & food |
| Wells Fargo Active Cash | Flat-rate | 2% | $0 | Simplicity & consistency |
FAQs For Cash Back Calculator
Is cash back taxable?
Generally, no. Cash back is considered a rebate, not income. Exceptions may apply if rewards come from non-purchase activities (like referral bonuses).
How do I calculate cash back on multiple credit cards?
Use this calculator and input spending separately for each card. It will sum the total rewards and give you the best-earning combinations.
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