CLEAR INPUTS. VISIBLE ASSUMPTIONS.
What could your
rewards be worth?
Explore a static interim cash-back demo using two dated issuer examples. See recurring value separately from one-time offers.
Static interim snapshot; issuer terms may change. Recheck the linked sources before making any decision.
1. Enter a yearly scenario
USD, eligible purchases after returns. Use one full calendar year. Each dollar belongs in one category only.
2. Review the arithmetic
Two examples · alphabetical orderEnter your scenario and calculate. These products are examples, not recommendations.
How this calculator works
- Ongoing net value = modeled annual cash rewards × realization percentage − annual fee − other annual costs. Conditional first-year net adds only the included one-time bonus and uses a fee waiver only when explicitly selected.
- Year one uses the same full-calendar-year spending and one supermarket cap as ongoing value. It is not an opening-date forecast. A first 12-month period spanning two calendar years can have a different cap outcome.
- Rewards are rounded to cents by category/rate bucket; issuers may round differently at transaction or statement level. Rates are total rates, never added twice.
- Merchant coding, excluded purchases, payment timing and issuer terms determine actual earnings. Put category-ineligible but reward-eligible purchases in “Other”; leave entirely ineligible spending out.
- No statement credits, insurance, travel redemptions, partner promotions, introductory APR savings or approval likelihood are assigned value. Borrowing costs can exceed rewards. Interest is not calculated automatically.
- The optional alternative is the same spend at your entered flat rate, with no fee and face-value redemption. A positive difference is modeled arithmetic, not realized savings.
Issuer sources & material exclusions
Checked October 10, 2026. An observation date is not a guarantee that an offer remains available. The review-after date is our 30-day editorial limit, not an issuer expiration date.