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.
Tiers of DogPay Card and KAST Card at $1,000 a month · best for you: KAST Standard ($154 a year)
| Card · tier | Rewards / yr | Plan and card fees / yr | FX cost / yr | Purchase fees / yr | You keep / yr | Notes |
|---|---|---|---|---|---|---|
| $180 | $0 | −$24.00 | −$2.40 | $154 | ||
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 |
KAST CardPremium$1,000 a year | $240 | −$1,000 | −$24.00 | −$2.40 | −$786 | |
KAST CardPrivate$10,000 a year | $360 | −$10,000 | −$24.00 | −$2.40 | −$9,666 |
Which one pays off at your spend
| Monthly spend | Best tier | You keep / yr |
|---|---|---|
| $250 | KAST Standard | $38.40 |
| $500 | KAST Standard | $76.80 |
| $1,000 | KAST Standard | $154 |
| $2,000 | KAST Standard | $307 |
| $3,000 | KAST Standard | $281 |
| $5,000 | KAST Standard | $228 |
| $10,000 | KAST Premium | $1,136 |
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).
KAST Card
- Premium ($1,000/yr) beats Standard (free) once you spend $5,667 a month.
- Private ($10,000/yr) beats Premium ($1,000/yr) once you spend $75,001 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.