Credit Card Cashback Calculator (Israel)

Israeli cashback cards advertise a single rate, but your actual return depends entirely on where you spend. A card that pays well on groceries and fuel can be mediocre for someone who mostly shops online. This tool takes your typical monthly spend by category and shows the net annual cashback for each card, after subtracting the annual card fee, which is the part marketing leaves out.

The rates come from a curated, dated table of conservative figures drawn from each issuer’s published range. They are indicative defaults for a quick comparison, not a promise. Issuer reward schedules are set per track and change often, and the binding source is always the issuer’s current terms page. The card order is computed strictly on net annual cashback (then alphabetically to break ties): it is affiliate-blind, with no commercial re-ordering and no affiliate links anywhere in the tool.

For Olim, two notes. First, the Israeli card market is split between a few issuers, and the “best” card is genuinely personal: it falls out of your own spending mix, not a ranking. Second, a card’s cashback rarely justifies carrying a balance: interest on revolving credit in Israel dwarfs any reward. If you are weighing the true cost of borrowing rather than spending, use the Loan APR Calculator. Treat the figures here as a starting point and confirm the current rate on the issuer’s site before you switch.