Crypto Card ROI Calculator
Cashback looks great on a landing page, until FX spreads, load fees, and a monthly subscription quietly eat it. This flips the issuer's spreadsheet around: it shows what a card actually nets you, for your real spend. Pick a card to pull its listed rates, or punch in your own.
Inputs
Net value / year
$0
$0 / month · +0.00% effective
Effective rate
+0.00%
Break-even spend
Any spend
Cashback
$0
FX cost
$0
Load fee
$0
Fees
$0
Estimate, not gospel. Cashback caps, tiered FX, and staking lock-ups vary by tier and region. Rates are pulled from this card's listed data, so adjust them above to match your situation.
How the numbers work
Net value = cashback earned − FX on your foreign spend − top-up/load spread − subscription fees (annual fees are spread across 12 months). "Effective rate" is that net as a percentage of what you spent. "Break-even spend" is the monthly spend where the card stops costing you money.
Why it's an estimate
Cashback is often capped, tiered, or paid in a volatile token; FX varies by network and region; staking yield assumes you lock the required balance. Treat the output as direction, not a guarantee, and tune the rates to your own situation with "Customize".