Calculator
Rewards vs. interest calculator
Rewards rarely outrun interest when you carry a balance. Enter your spend, reward rate, balance, and APR to see the net.
Runs entirely in your browser — nothing you type is stored or sent anywhere. Illustrative math only, not a quote, guarantee, or advice.
What this assumes
- Rewards = reward rate × yearly spend.
- Interest = the APR percentage of the carried balance for a year (simple).
- Carrying a balance almost always costs more than any reward rate returns.
Educational information — not advice
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