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 Karta.io Card and RedotPay Card at $1,000 a month · none of these pays off at this spend; RedotPay Virtual card loses the least (−$134 a year)
| Card · tier | Rewards / yr | Plan and card fees / yr | FX cost / yr | Purchase fees / yr | You keep / yr | Notes |
|---|---|---|---|---|---|---|
| $0 | $0 | −$14.40 | −$120 | −$134 | Cashback rate not published | |
RedotPay CardPhysical cardFree | $0 | $0 | −$14.40 | −$120 | −$134 | Cashback rate not published |
Karta.io CardKarta PersonalFree | $0 | $0 | −$12.00 | −$180 | −$192 | Cashback rate not published |
Which one pays off at your spend
| Monthly spend | Best tier | You keep / yr |
|---|---|---|
| $250 | RedotPay Virtual card | −$33.60 |
| $500 | RedotPay Virtual card | −$67.20 |
| $1,000 | RedotPay Virtual card | −$134 |
| $2,000 | RedotPay Virtual card | −$269 |
| $3,000 | RedotPay Virtual card | −$403 |
| $5,000 | RedotPay Virtual card | −$672 |
| $10,000 | RedotPay Virtual card | −$1,344 |
RedotPay Card
- Physical card (free) never beats Virtual card (free) 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.