FinanceCash Back CalculatorEffective return on cash-back rewards.CurrencyUSDEURGBPCADAUDINRJPYBase monthly spendBase cashback rate (%)Bonus-category monthly spendBonus cashback rate (%)Bonus spend cap / monthAnnual feeSignup bonusAnalysis period (months)Base cashback$144.00Bonus cashback$144.00Gross cashback$288.00Net rewards$343.00Effective return rate2.38%