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Rewards calculator

What each card pays you back in a year, minus every fee: plan, FX, per-purchase, small-purchase and top-up. Pick where you live: a card that bills in your currency charges no FX fee at home. Then compare tiers across up to three cards, or see one card line by line.

Where you live

Monthly card spend (USD)What you spend on the card each month

Currency split 80% in your own currency · 10% in US dollars online · 10% in other currencies Edit currency split

Your own currency80%Shops and bills at home. The rest of your spending.

US dollars online (%)Subscriptions and US shops

Travel and other currencies (%)Pays the card’s usual FX fee

Purchase sizes

20% of your spending in each of $200, $100, $50, $25 and $10 purchases

Count rewards at

Card

Which year

Year 2 onwards: yearly fees and ongoing rates only, no one-off fees or welcome offers.

Card 1

Card 2

Compare tiers across up to 3 cards

Tiers to compare

Tiers of COCA Card and DogPay Card side by side
Card · tier	Rewards / yr	Plan and card fees / yr	FX cost / yr	Purchase fees / yr	You keep / yr	Notes
COCA CardEliteBestFreeStake ~$29,898	$960	$0	$0	$0	$960	FX fee not published · Needs: Hold 30,000 COCA (~$29,898)
COCA CardPremium+FreeStake ~$9,966	$720	$0	$0	$0	$720	FX fee not published · Needs: Hold 10,000 COCA (~$9,966)
COCA CardPremiumFreeStake ~$2,990	$600	$0	$0	$0	$600	FX fee not published · Needs: Hold 3,000 COCA (~$2,990)
COCA CardStandard+FreeStake ~$997	$480	$0	$0	$0	$480	FX fee not published · Needs: Hold 1,000 COCA (~$997)
COCA CardStandardFreeStake ~$299	$360	$0	$0	$0	$360	FX fee not published · Needs: Hold 300 COCA (~$299)
COCA CardStarterFree	$120	$0	$0	$0	$120	FX fee not published
DogPay CardBasicFree	$0	$0	−$6.00	−$370	−$376	Cashback rate not published
DogPay CardPremium$59 a year	$0	−$58.80	−$6.00	−$370	−$435	Cashback rate not published
DogPay CardPlatinum$119 a year	$0	−$119	−$6.00	−$370	−$495	Cashback rate not published
DogPay CardUltra$359 a year	$0	−$359	−$6.00	−$370	−$735	Cashback rate not published

Which one pays off at your spend

The best of the tiers shown at each monthly spend
Monthly spend	Best tier	You keep / yr
$250	COCA Elite	$240
$500	COCA Elite	$480
$1,000	COCA Elite	$960
$2,000	COCA Elite	$1,920
$3,000	COCA Elite	$2,880
$5,000	COCA Elite	$4,800
$10,000	COCA Elite	$9,600

COCA Card

Standard (free) beats Starter (free) once you spend $1 a month. Needs: Hold 300 COCA (~$299).
Standard+ (free) beats Standard (free) once you spend $1 a month. Needs: Hold 1,000 COCA (~$997).
Premium (free) beats Standard+ (free) once you spend $1 a month. Needs: Hold 3,000 COCA (~$2,990).
Premium+ (free) beats Premium (free) once you spend $1 a month. Needs: Hold 10,000 COCA (~$9,966).
Elite (free) beats Premium+ (free) once you spend $1 a month. Needs: Hold 30,000 COCA (~$29,898).

DogPay Card

Premium ($59/yr) never beats Basic (free) with these settings (checked up to $100,000 a month).
Platinum ($119/yr) never beats Premium ($59/yr) with these settings (checked up to $100,000 a month).
Ultra ($359/yr) never beats Platinum ($119/yr) with these settings (checked up to $100,000 a month).

Worked out with all your other settings unchanged. Staking or lockups a tier needs are not counted as a cost; their value today is shown next to them. Compare these side by side: perks, caps and how to qualify

Missing figures are counted as zero and flagged in the notes. Spending caps, spend bands and small-purchase limits are applied where the issuer publishes them. Top-up fees are worked out on everything you load, including the money that goes on fees. How the calculator works. To see one purchase line by line, try the swipe receipt.