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💳 Rewards estimator

Cashback Credit Card Calculator

Estimate annual cashback from flat-rate, category, and first-year bonus strategies before comparing cards.

Local calculation Enter rough monthly spending only. Do not enter card numbers, bank logins, or personal identifiers.

Monthly spending

Strategy notes

  • Flat 2% card: simple baseline for people who do not want category tracking.
  • Category optimizer: assumes higher rates on groceries, dining, gas, travel, or online shopping and 1% elsewhere.
  • First-year value: bonus minus annual fee can dominate year-one results.

Important warning

Cashback only helps if you pay the full statement balance. A single month of interest can erase a year of rewards.

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Cashback card comparison

Rates, fees, welcome offers, redemption rules, and review scores.

Chase Freedom Unlimited

Popular no-annual-fee option with simple bonus categories.

Citi Double Cash

Simple flat-rate benchmark for everyday spending.

Wells Fargo Active Cash

Another 2% cash rewards option to compare.

Cashback calculator FAQ

How accurate is the cashback calculator?
It is an estimate based on the monthly spending and reward rates you enter. Actual rewards depend on issuer rules, merchant category coding, caps, annual fees, welcome bonus eligibility, and whether you carry a balance.
Should I chase cashback if I carry a balance?
No. Credit card interest usually costs far more than cashback rewards. Pay in full each month before optimizing rewards.
Is a 2% flat-rate card better than a 5% category card?
A 2% card is simpler and often best for everyday spend. A 5% category card can win if your spending lines up with bonus categories and caps.
Does the calculator store my spending data?
No. Calculations happen locally in your browser and are not submitted to Omellody.