Cash Back Credit Card Calculator

Blended cashback — base rate on everything, bonus rate on categories.

Result

Monthly cashback$32
Annual cashback$384
After annual fee$384
Effective rate1.6%
Breakeven fee spend—

Cash Back Credit Card Calculator — FAQs

Is a fee card worth it?

Only if bonus-rate spend covers the fee — a £95 fee needs ~£264/month at a 3% bonus margin over a free 1% card. Below that, the free card wins.

Cashback or points?

Cashback is concrete — 1% is 1%. Points are worth 0.5–2¢ each depending on redemption; they're only better if you redeem for premium travel.

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