Calculate how much you could earn from cashback credit cards and apps.
Annual Cashback
£114.00
After card fee
Monthly Spend
£950.00
Monthly Cashback
£9.50
Gross Annual
£114.00
Cashback credit cards and rewards apps can be a savvy way to earn money on your everyday spending. The basic idea is simple: you get a small percentage of the amount you spend back as a reward. This might be 1% on all purchases, or higher rates on specific categories like groceries or fuel. This Calculator Site tool helps you quantify those potential earnings.
For a broader view of your finances, you might find our Take-Home Pay Calculator or Budget Planner useful for managing your money.
The Golden Rule of Cashback
Cashback is only a benefit if you pay your credit card balance in full every month. If you carry a balance, the interest you pay will almost certainly be far higher than any cashback you earn, turning a reward into a significant cost.
To get the most out of cashback, consider using different cards for different types of spending to take advantage of varied promotional rates. Also, keep an eye out for annual fees that could erode your earnings.
1-5%
Typical cashback rates
£100s
Potential annual earnings
20%+ APR
Typical credit card interest
How to use this Calculator Site tool
Enter your estimated monthly spending in the relevant categories on the left. Then, input the cashback rate your card offers and any annual fee. The calculator will instantly show your potential net annual cashback earnings, helping you decide if a card is right for you.
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