๐ Shopping
Cashback Calculator
A cashback card only beats a no-fee card if the rewards exceed the annual fee, and 2 percent on 12,000 dollars of spending is 240 dollars. Forgetting the fee turns a losing card into an apparent win.
How it works
Monthly spending on the card
Cashback rate
Annual card fee
Sign-up bonus
Spend required for the bonus
Higher rate on one category
Monthly spend in that category
Years to compare
Cashback per year
Sign-up bonus value
Net value per year
Total net value
Effective return on spending
Note
Frequently asked questions
How do I use the Cashback Calculator?
Fill in the fields above โ the result recalculates instantly as you type. Everything runs in your browser, so the values you enter are never collected or stored.
Is this calculator free?
Yes. It is completely free, requires no account, and works on phones, tablets and desktops.