Cash Back Calculator
Calculate how much cash back you can earn with your credit card. Determine your rewards based on spending categories, cashback rates, and annual fees across multiple currencies.
Step 1: Spending Details
Understanding Cash Back
Cash back rates typically range from 0.5% to 5% depending on the card and spending categories. Some cards offer higher rates for specific purchases like groceries, dining, or travel.
Step 2: Advanced Settings
Maximizing Cash Back
To maximize rewards, consider cards with rotating bonus categories, stackable offers, and combine with shopping portals for additional cash back opportunities.
Cash Back Results
Net Cash Back Earned
Credit Card Comparison
| Card Type | Cash Back Rate | Annual Fee | Net Cash Back | Effective Rate |
|---|
Cash Back Breakdown
Cash Back Formula
Net Cash Back = (Monthly Spending × Cash Back Rate × Months) + Welcome Bonus – Annual Fee
Calculate your cash back by multiplying your monthly spending by the cash back rate (as a decimal), then multiply by the number of months. Add any welcome bonus and subtract the annual fee.
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