True Cashback Calculator

What a card actually gives back on your spending, after spending bands, FX and tier costs. Not the headline rate.

Your spending

Country you live in

Monthly card spend $

Main spending currency

Will you pay or lock tokens for a better tier?

Make it accurate

Answer only what you know. Anything you skip keeps a sensible default, so the result never gets worse for leaving it.

1Where you pay How much of your spending is in a foreign currency? 0% For example, paying in euros when your account is in dollars. Many cards charge 1% to 2% on this. Which currency is it? How much do you buy from shops based abroad? 0% Foreign websites count too, even when they charge in your own currency.

2How you pay About how many card payments do you make a month?payments Matters for cards with a small fee on every payment. How much of it never earns rewards?$ Cash withdrawals, gift cards, refunds, top-ups of other wallets. Leave $0 if unsure. How often do you add money to the card?times a month Each top-up pays a network fee. On TRON without energy that is about $2.26 a time, on Base or Solana a fraction of a cent. Which network do you send from? If a card does not take that network, its cheapest one is used and the result says so. How much do you spend in purchases under $1?$ This card pays nothing on purchases this small.

3Only for this card Spent on AI tools a month$ ChatGPT, Claude, Midjourney and similar. Some tiers pay more here. Spent on flights a month (average)$ Partner airlines can pay a higher rate. Paid with Plasma spend credit$ Referral or promo credit. It is spent first and earns nothing. XPL price today$ Needed only for tiers you reach by locking XPL. Network fee per payment, if you know it$ Leave empty to use the published range.

Expert settings

Cost to sell the reward token% Swap fee plus slippage when you turn the reward into dollars. Reward token price change before you sell% Try -30 to see a drop, 50 for a rise. 0 = today's price. Yearly return your money could earn elsewhere% Used to price locked tokens and late payouts. Count late payouts at today's value Physical card cost per year$ One-time card costs (card purchase, shipping) Show totals overmonths Exact mode: paste this month's purchases Types: ai, airline, excluded, credit. Leave empty to use the answers above.