Crypto Card Cashback Calculator - Break-Even Math
Cashback tiers, subscription fees and token payouts decide whether a "premium" card is free money or a monthly donation. Model any card or tier - paid vs. free, break-even included.
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What the math answers
Gross cashback = min(spend x rate, cap). Net = gross minus subscription. The interesting number is the break-even spend: subscription / incremental rate - below it, the paid tier loses money every month; above it, the upgrade pays. The comparison against your current card's rate answers "should I switch", the absolute number answers "is this card worth having at all".
Token payouts, honestly
A "2% in CRO/NEXO/BEST" payout is worth 2% only at the moment you sell - token prices move between earn and spend. USD/fiat cashback is worth its number. Our cashback hub lists the payout currency per card for exactly this reason.