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Business Reward Toolkit

Business Rewards Calculator

Estimate cashback (or a points equivalent) from your normal monthly business spend. This tool is illustrative and should not be used to justify extra spending or borrowing.

Last updated: 21 May 2026By Business Reward Toolkit Editorial TeamReviewed for UK small businesses
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Short answer
At £5,000/month spend and a 1% reward rate, the estimate is £600.00 per year. After a £0.00 annual fee, the estimated net return is £600.00.

Calculation and assumptions

Formula: gross annual rewards = monthly spend × 12 × reward rate ÷ 100. Net annual return = gross annual rewards − annual fee. Results are rounded to the nearest penny for display.

  • The reward rate is treated as a simple percentage of eligible card spend.
  • The calculation excludes interest, late fees, FX costs, caps, excluded transactions, tax and changes in provider terms.
  • It assumes you would make the spend anyway and can repay borrowing on time.
  • For points, enter only a conservative cash-equivalent rate that you understand and can actually redeem.

Worked result

  • Annual reward (gross): £600.00
  • Annual fee: £0.00
  • Net annual return: £600.00

Last tested: 25 August 2026. This calculator is not financial advice.

Rewards reality
Rewards are only valuable if they are not outweighed by fees, interest, repayment costs or unnecessary spending. Do not spend more just to earn points or cashback.
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BRT
Business Reward Toolkit Editorial Team
Editorial

Our editors research UK business banking, credit cards, expense tools and rewards schemes. We test products, read provider terms in full, and update guides as offers change.

  • 10+ years writing about UK small-business finance
  • Independently funded by clearly labelled affiliate links