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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 Jupiter Card and Plasma One side by side
Card · tier	Rewards / yr	Plan and card fees / yr	FX cost / yr	Purchase fees / yr	You keep / yr	Notes
Jupiter CardReferral boostBestFree	$480	$0	−$12.00	$0	$468	Needs: 2 qualifying referrals in the previous month
Plasma OnePlatinumFreeStake ~$7,655	$480	$0	$0	−$18.03	$462	Needs: Lock 100,000 XPL for 12 months (~$7,655)
Jupiter CardStandardFree	$240	$0	−$12.00	$0	$228
Plasma OneCore$199 a yearOr stake ~$1,531	$360	−$199	−$18.00	−$18.05	$125	Or hold 20,000 XPL (~$1,531)
Plasma OneLiteFree	$126	$0	−$24.00	−$18.06	$83.94

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	Jupiter Referral boost	$117
$500	Jupiter Referral boost	$234
$1,000	Jupiter Referral boost	$468
$2,000	Jupiter Referral boost	$936
$3,000	Plasma Platinum	$1,386
$5,000	Plasma Platinum	$2,070
$10,000	Plasma Platinum	$3,780

Jupiter Card

Referral boost (free) beats Standard (free) once you spend $1 a month, until $5,000 a month. Needs: 2 qualifying referrals in the previous month.

Plasma One

Core ($199/yr) beats Lite (free) once you spend $885 a month. Or hold 20,000 XPL (~$1,531).
Platinum (free) keeps you more than Core ($199/yr) at any spend. Needs: Lock 100,000 XPL for 12 months (~$7,655).

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.