Cashback Calculator

Use our cash back calculator to work out which cash back credit card will pay you the highest amount of cash back.

Compare cash back credit cards >>

How do I use the Cash Back Calculator?

Enter your typical monthly spend into the calculator, and it will display the total amount you can expect to earn in cash back rewards for that month.

What are cash back credit cards?

Cash Back Credit Cards reward the holder with a cash payment each time the card is used.

Most have a promotional period where you can earn a higher rate of return, as much as 5% in certain cases. The more you spend, the more you’ll get back

What else should I know about cash back credit cards?

• Introductory offers are usually high, but some drop considerably once the promotional period has expired.
• Some issuers will offer a more attractive cash back rate for using the card in specific stores.
• Most cash back cards have payment ceilings on the amount of cash back available from purchases.
• The reward payment method differs between cards. Some card issuers pay you at the end of each calendar year, while others dispatch monthly cheques.
• Only those with a blemish-free credit history will successfully apply for a cash back credit card.
• Make sure you clear the full balance each month, or any benefits of the cash back you receive will be wiped out by high levels of interest.
• If you can’t pay of the full balance each month then a 0% balance transfer credit card may be better.

What are the most competitive cash back credit cards?

• Barclaycard cash back card offers a consistent two per cent on all supermarket and petrol spending.
• Capital One cash back card pays 4% on purchases until September 1st 2008.
• Amex Platinum card has the highest return of any cash back card, earning you 5% for the first three months.
• MBNA Business card allows 0.5% cash back on card purchases plus double cash back on fuel purchases.
• Egg card provides you with instant cash back via transactions with specific retailers.
• Smile Classic card pays 0.5% cash back on every purchase.
• Leeds BS Mastercard cash back bonus award is 0.5% of all purchases.
• Shell Mastercard pays 3% Cash Back on Shell fuel purchases in Great Britain.

What are the other types of reward card?

Airmiles Cards – Points are accrued by spending using an Airmiles card, and these points can be exchanged for flights to chosen destinations.

Football Club Affiliated Cards – As you spend, the card issuer donates a percentage of each purchase to your favourite club’s youth training program.

Charity Credit Cards - A Charity credit card is a great method of automatically donating to charity while you shop, creating a sense of ‘feel good spending’.

Supermarket Credit Cards – Supermarket credit cards reward you for shopping in the affiliated store.

Loyalty Point Cards - The more you spend, the more points you earn.

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