LESS GUESSWORK. MORE CASH BACK.
The best rewards depend on how you spend.
Find your fit in a few simple numbers.
01 / YOUR EVERYDAY, OPTIMIZED
Start with an example. Make it yours.
Monthly estimates are all you need.
Illustrative profiles, not household averages.
These numbers never leave your browser.
6 cards compared · 1.5% baseline
Example: Everyday mix · change the amounts to make it yours.
Ongoing rewards on $24,000 in annual purchases. Assumes full payment with no interest. Bonuses, portal bookings, and extra benefits excluded. See assumptions.
3 cards share the highest estimate. Their display order is alphabetical.
$120 more than your 1.5% baseline
A useful flat-rate comparison when much of your spending falls outside bonus categories.
Source checked · Rates & details$120 more than your 1.5% baseline
The full 2% estimate assumes you pay the purchase balance with money, not rewards statement credits.
Source checked · Rates & details$120 more than your 1.5% baseline
Grocery bonuses exclude superstores such as Walmart and Target; entertainment and streaming eligibility varies.
Source checked · Rates & details| Category | Annual spend | Calculation | Cash back |
|---|---|---|---|
| Groceries | $7,200.00 | $7,200.00 × 2% | $144.00 |
| Dining & takeout | $3,600.00 | $3,600.00 × 2% | $72.00 |
| Gas | $1,800.00 | $1,800.00 × 2% | $36.00 |
| Online retail | $2,400.00 | $2,400.00 × 2% | $48.00 |
| Drugstores | $600.00 | $600.00 × 2% | $12.00 |
| Entertainment & streaming | $1,200.00 | $1,200.00 × 2% | $24.00 |
| Everything else | $7,200.00 | $7,200.00 × 2% | $144.00 |
| After $0 annual fee | $480.00 | ||
Repeats this month over a full calendar year with unused caps. Amounts rounded by category to cents. Issuer rounding and posting dates may differ.
| Card | Annual return | Effective rate |
|---|---|---|
| Active Cash | $480.00 | 2% |
| Double Cash | $480.00 | 2% |
| Savor Rewards | $480.00 | 2% |
| Blue Cash Everyday | $444.00 | 1.85% |
| Freedom Unlimited | $423.00 | 1.76% |
| Quicksilver Rewards | $360.00 | 1.5% |
Identical dollar estimates are ties. Names are sorted alphabetically within ties; that order is not a preference.
Highest estimated cash back among our selected cards—not an assessment of credit eligibility or your complete financial situation. See coverage and source dates.
OUR APPROACH
Actual rates. Visible caps. No mystery score. Every estimate comes with the arithmetic behind it and links to the issuer’s terms.
Meet the methodology02 / A LITTLE KNOW-HOW
GOOD QUESTIONS
The few things worth knowing.
The calculator does not access your credit report or submit an application. Applying for a card on an issuer’s website is a separate action and may affect your credit.
No. This is a small catalog of six no-annual-fee U.S. cards. It compares modeled ongoing rewards, not every card, benefit, or personalized offer available.
No. This version has no affiliate commissions, sponsored placements, or advertising. Ranking follows the estimated annual cash-back amount.
This calculator excludes interest and assumes you pay in full. If you carry a balance, it is not a suitable way to compare borrowing costs. Look at the card’s actual APR and repayment costs before rewards.