ONESTPAY CASHBACK CALCULATOR

How much cashback could your debit card earn?

Use your existing debit card to pay through OnestPay.

Estimate what your everyday purchases could earn—without a new card or bank account.

Calculate My Cashback

Disclaimer: The cashback amounts shown are estimates only. Actual rewards may differ based on your spending behavior, participating merchants, program terms, promotional rates, and other factors. Estimates are not a guarantee of future earnings.

Instant cashback

Cashback Calculator

Turn your monthly spending into an illustrative rewards estimate.

  1. 1
    Enter your monthly spendingUse one total or enter purchases by category.
  2. 2
    Choose your calculator modeUse one total or enter spending by category.
  3. 3
    See your potential cashbackCompare the monthly and annual estimates.
Choose a quick estimate or explore your spending by category.

Your monthly spending

Enter the total you spend on shopping, dining, fuel and other everyday purchases.

$0$55,000
Try an amount

What belongs in your monthly amount?

Include everyday purchases you expect to make through OnestPay. Leave out bills, transfers and purchases outside the OnestPay payment flow.

Include Exclude
  • Groceries, food and drinks
  • Dining out, takeout and food delivery
  • Gas and fuel
  • Household supplies, furniture and home décor
  • Clothing, footwear and personal-care products
  • Eligible entertainment purchases
  • Pet supplies, toys, games and hobbies
  • Rent and mortgage payments
  • Car, student and other loan payments
  • Credit-card bills and debt repayments
  • Utilities, phone and internet bills
  • Insurance premiums, taxes and tuition
  • Savings, investments and retirement contributions
  • Cash withdrawals, transfers and donations
  • Any purchase made outside the OnestPay payment flow

Important: A category alone does not make a purchase eligible. Include only the portion you expect to spend through OnestPay, and check the actual offer before paying.

Your Total Monthly Spending $0.00

Enter your spending, or load the example to get started.

About your cashback estimate

Why is the rate an assumption?

Cashback rates vary by brand. Without live merchant offers, a single category rate would imply accuracy this calculator cannot provide. This calculator uses a fixed illustrative 3% rate. Review the actual offer in OnestPay before payment.

Will all my monthly expenses qualify?

Only eligible purchases made through OnestPay qualify. Only enter spending you expect to make through that flow.

When will I receive actual cashback?

Cashback is credited when an eligible purchase is completed and confirmed. The calculator does not create a purchase or credit a reward.

Does this estimate include bonuses or investment growth?

No. It estimates purchase cashback only. It does not include sign-up bonuses, referral rewards, interest, investment returns or compounding.

Put your cashback toward something bigger.

Explore mortgage payoff, retirement, college savings, investments and more on your Path to Wealth.

Explore Path to Wealth →

Ready to make your spending more rewarding?

Explore how OnestPay cashback works before your next purchase.

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Disclaimer

The merchants represented are not affiliated in any way with Onestpay, Inc. or its services. All logos, brand names, and other identifying marks shown are the trademarks and intellectual property of their respective owners. Their inclusion is solely for the purpose of identifying the participating merchants from whom next gen digital gift cards may be purchased or redeemed. Use of merchant names, logos, or branding does not imply any formal partnership, endorsement, or sponsorship between the merchants and Onestpay. All merchant terms, conditions, and policies remain solely under the control of the respective companies. Onestpay assumes no responsibility or liability for the services or products offered by the merchants, including the fulfilment of transactions or the availability of merchandise or services.