True Cashback Calculator
After spending bands, FX and tier costs.
A month of spending
One purchase
Your spending
Country you live in
The price is in
USD
EUR
Other
Purchase amount
$
The shop is based abroad
(foreign websites count)
What are you buying?
Everyday purchase
AI tools and subscriptions
Flight
Gift card, cash or a top-up
Already spent on this card this month
$
Most cards pay the top rate only up to a monthly limit. This tells us where you are.
Of that, already spent in this category
$
Monthly card spend
$
Main spending currency
USD
EUR
Other
Will you pay or lock tokens for a better tier?
Free only
Pay
Lock
Any
Make it accurate
1
Where 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?
EUR
Another non-USD currency
USD
How much do you buy from shops based abroad?
0%
Foreign websites count too, even when they charge in your own currency.
2
How 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?
The cheapest one the card takes
TRON (USDT)
Ethereum
BNB Chain
Polygon
Solana
Base
Arbitrum
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.
3
Only 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 separately, do not include
Spread over 3 months
Spread over 6 months
Spread over 12 months
Spread over 24 months
Show totals over
months
Exact mode: paste this month's purchases
Types: ai, airline, excluded, credit. Leave empty to use the answers above.