💳 Free cashback calculator
Find your perfect 4% cashback card
Select your spending categories below and instantly see which card puts the most money back in your pocket — ranked by your actual annual earnings.
1 Select your spending categories
Groceries
Supermarkets
$400/mo
Gas & EV
Fuel / charging
$150/mo
Dining
Restaurants & delivery
$300/mo
Travel
Flights & hotels
$200/mo
Online shopping
Amazon & retailers
$250/mo
Streaming
Netflix, Spotify…
$60/mo
Drugstore
Pharmacy & health
$80/mo
Everything else
General purchases
$500/mo
$0
Monthly spend tracked
$0
Best annual cashback
—
Cards with 4%+ rate
2 Your best-matched cards
Select at least one spending category above to see your results
* Cashback estimates are based on standard rates and your selected monthly spend, annualized. Rotating category cards assume maximum 5% rate applies. Annual fees are deducted. Rates and terms change frequently — always verify on the card issuer's website before applying. This site may receive compensation when you click apply links.
📊 Full card comparison
| Card | Groceries | Dining | Gas | Online | Travel | Annual fee |
|---|---|---|---|---|---|---|
| Blue Cash Preferred® | 6% | 1% | 3% | 1% | 1% | $95 |
| Discover it® Cash Back | 5%* | 5%* | 5%* | 5%* | 1% | $0 |
| Citi Custom Cash℠ | 5%† | 5%† | 5%† | 5%† | 5%† | $0 |
| Chase Freedom Flex℠ | 5%* | 3% | 5%* | 5%* | 1% | $0 |
| Capital One SavorOne | 3% | 3% | 1% | 3% | 1% | $0 |
| US Bank Shopper Cash Rewards | 4% | 2% | 4% | 6%† | 1% | $95 |
| Wells Fargo Active Cash® | 2% | 2% | 2% | 2% | 2% | $0 |
* Rotating quarterly categories, activation required. Up to $1,500/quarter at 5%. † On top eligible spending category only (Citi); or selected retailers (US Bank). Rates subject to change.
💡 Pro tips for maximizing cashback
Stack your cards. Use a 5% rotating card for groceries during its quarter, then switch to a flat 4%+ card the rest of the year.
Activate rotating categories. Discover and Chase require quarterly activation — set a calendar reminder so you never miss out.
Factor in the sign-up bonus. A $200 welcome bonus on a $0-fee card often beats a $95-fee card's extra 2% in year one.
Use store portals. Combine your cashback card with retailer cash-back portals (Rakuten, TopCashback) to double-dip on the same purchase.
Revisit annually. Issuers change rates. Re-run this calculator once a year to make sure your card stack is still optimal.