Crypto Card Cashback Calculator
Crypto card cashback pays in a token that moves. A headline 3% is only 3% if the token holds; this reprices the reward at your assumption.
Results (live)
Estimates only, not financial advice. All math runs in your browser; nothing you type leaves this page.
How it works
yearly cashback = spend × 12 × rate
effective = cashback × (1 + token change)
Worked example
$1,500/month at 3% earns $540 a year. If the reward token slides 20%, you effectively earned 2.4%. If it doubles, your groceries paid 6%.
FAQ
Should I auto-sell card rewards?
Selling on receipt locks the advertised rate and turns the card into a plain cashback card. Holding turns spending into a token bet; choose deliberately.
What hidden costs do these cards have?
Staking requirements to unlock tiers, and the opportunity cost of that stake. Price the locked tokens' risk before celebrating the rate.
Related calculators
Estimates only, not financial, tax or investment advice. Verify numbers against your exchange or a professional before acting.