💳 信用卡返现计算器Cash Back Calculator
按各消费类别的月支出和对应返现比例，计算每月和每年可获得的返现、综合返现率，可减去年费比较不同信用卡的净收益。Estimate monthly and yearly cash back from spending per category and each category's rate, see your blended rate, and subtract the annual fee to compare cards.
使用说明与常见问题How-to & FAQ
「信用卡返现计算器」是什么？What is the Cash Back Calculator tool?
按各消费类别的月支出和对应返现比例，计算每月和每年可获得的返现、综合返现率，可减去年费比较不同信用卡的净收益。Estimate monthly and yearly cash back from spending per category and each category's rate, see your blended rate, and subtract the annual fee to compare cards.
如何使用「信用卡返现计算器」？How do I use the Cash Back Calculator tool?
在「信用卡返现计算器」中，填写「餐饮月支出」、「餐饮返现 %」、「超市月支出」、「超市返现 %」、「加油月支出」等参数，结果会随输入实时计算并显示在下方。In the Cash Back Calculator: Fill in "Dining per month", "Dining rate %", "Groceries per month", "Groceries rate %", "Gas per month"; results are recalculated instantly as you type.
综合返现率怎么算？How is the blended rate calculated?
综合返现率 = 年返现总额 ÷ 年消费总额。它能把“分类高返现卡”和“全场固定返现卡”放在同一标准下比较；有年费时请看扣除年费后的净返现率。Blended rate = yearly cash back ÷ yearly spending, which puts category cards and flat-rate cards on the same footing; with an annual fee, compare the net effective rate.
有上限的卡怎么算？What about capped categories?
部分卡对某类消费每季度或每年有返现上限。本工具支持一个总的年返现上限；分类上限可以把超出部分的支出移到“其他”类别按基础比例计算。Some cards cap category rewards per quarter or year. The tool supports one overall yearly cap; for a category cap, move the spending above the cap into Other at the base rate.
计算结果可以作为最终依据吗？Can I rely on the result?
「信用卡返现计算器」按标准公式计算，结果仅供参考；实际金额以银行、券商或税务机关的规则和四舍五入方式为准。The Cash Back Calculator uses standard formulas and is for estimation only; actual figures depend on your bank, broker or tax authority's rules and rounding.
「信用卡返现计算器」免费吗？需要注册吗？Is the Cash Back Calculator free? Do I need an account?
「信用卡返现计算器」完全免费，无需注册或安装，打开网页即可使用，手机和电脑都能用；输入的内容只在你的浏览器本地处理。The Cash Back Calculator is completely free with no sign-up or install and works on phones and desktops; what you enter is processed only in your browser.