How cash back is calculated
Cash back rewards give you a percentage of your spending back as cash or statement credit. The calculation is straightforward: your spending amount multiplied by the card’s cash back rate.
How this calculator works
Enter how much you spend and your card’s cash back rate (for example, 2% on all purchases, or a higher rate on a specific category). If your card charges an annual fee, we subtract it to show your net cash back for the year.
This calculator is for general planning purposes. Many cards have category caps, rotating bonus categories, or redemption minimums not captured in this simple estimate.
Last reviewed August 2026