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Cash Back Calculator

Estimate your rewards on your own spending, after any annual fee.

Only spending you would put on this card.

A flat or blended rate, such as 1.5.

Enter 0 if the card has none.

Estimate for education only, not a quote or an offer from any lender. Your issuer's terms and calculations determine what you actually pay. Numbers you enter stay in your browser; they are not sent to or stored by CreditPilot.

How this calculator works

  • Monthly gross rewards = monthly spending x rewards rate.
  • Annual rewards = monthly spending x 12 x rewards rate.
  • Net rewards = annual rewards minus the annual fee.

Assumptions

  • All of the spending earns the rate you enter. If a card pays different rates, estimate a blended rate.
  • There are no caps, and rewards are redeemed at full value.
  • You pay in full each month. Interest is not included, and it can be larger than the rewards.
  • One-time welcome offers are not included.

Worked example

With $1,500 of monthly spending, a 1.5% card with no fee nets $270 a year. A 2% card with a $95 fee earns $360 and nets $265. The second card needs $19,000 of yearly spending to break even with the first.

To compare cards, run the calculator once for each. Then read what to compare before choosing a cash back card.