Cashback & Rewards Calculator
Calculate your actual cashback earnings and compare reward cards to find the best one for your spending habits.
Compare Your Cards
Card 1
Card 2
Cashback Comparison
Better Card
Card B
Card A
1.5% cashback
$360.00/year
Card B
2% cashback
$480.00/year
WinnerRakuten
Earn cashback on every purchase
How It Works
The cashback calculator compares two credit cards based on your monthly spending and each card's cashback percentage.
Monthly cashback = Monthly Spend × Cashback Rate% Annual cashback = Monthly Cashback × 12
The calculator determines which card gives you more cashback annually and shows the difference between the two. This helps you choose the right card based on your actual spending patterns rather than advertised rates.
Frequently Asked Questions
Written by the Tools & Deals Hub Editorial Team · Reviewed by Durga Prasad Mogulothu, Founder · Last reviewed:
Sources & further reading
Results are estimates for planning, not professional advice. Figures can change after publication — check the source for current numbers.