Cash Back Calculator

Enter your bonus categories with their rates and annual spend caps, a base rate for everything else, and any annual fee, and this adds up a year of cash back, including the spending that falls past a cap and drops to the base rate. A second action compares two cards and finds the annual spend where the fee card overtakes the free one. A third separates the first year, lifted once by a sign-up bonus, from every year after it. Every rate is one you type in: there is no card database here, and nothing on this page models interest on a carried balance.

Calculator Type

Bonus Categories *

One category per entry, separated by semicolons: name, monthly spend, rate percent, annual spend cap. Leave the cap off or put 0 when there is none. A card paying 5% on the first 1,500 each quarter has an annual cap of 6000. Spend past a cap earns the base rate below.

Base Rate on Everything Else (%)

Other Monthly Spend ($)

Everything that is not in a category above.

Annual Fee ($)

Sign-Up Bonus ($)

Spend Required for the Bonus ($)

Months Allowed for That Spend

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