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Sources checked · 2026.09.08
Same spending. What is left?
Three cases using published terms. Add your funding costs to see what remains of the reward.
Assumes you use 100% of the reward.
Adjust reward use (optional)
Leave 100 if you will use it all. If you expect to use $5 out of a $10 reward, enter 50. This is how much of your reward you will use, not the card’s earning rate. For expiring rewards, consider what you can use before expiry.
Add my actual costs
Blank means unknown. Enter 0 only for costs that do not apply.
Reward bands and caps applied
Reward value to use$18.00
Included costs$12.90
Subtotal after known costs$5.10
Final net is not calculated while costs remain unknown.
Monthly membership
$12.90
Issuance/shipping per month
$0.00
Published payment/FX costs
$0.00
Additional entered costs
$0.00
Monthly fee $12.90. Only eligible Apple/Google Pay earns 3%, capped at $18 after $600 spend. Reward USDs are card-spending credits expiring in 30 days. New virtual assumes a valid one-time waiver. Enter applicable purchase/FX fees; no universal rate is confirmed.
Assumptions and official evidence
Assumes an approved card and eligible retail purchases. Inputs are USD equivalents, without live FX. Taxes, ATM, borrowing, excluded merchants and refunds are outside this calculation.
One-time issuance and shipping are spread over 12 months for comparison. KAST virtual issuance varies $0–$2 by region.
Illustrates eligible USD spending in Core Direct Pay, assuming no EUR spending that month. Gross rewards before fees, not exact transaction credits; rounding is for display only.
45.00 USDC cashback
Automatically credited as USDC balance. Use or withdraw supported balances subject to applicable networks and fees.
FX, conversion, shipping and network costs Excluded ATM, cash-like, P2P, tax, rent and other ineligible transactions EUR ladder, referral/travel promotions and actual per-transaction roundingUnknown costs are never treated as zero.
Assumes eligible Standard USD purchases funded by supported 1:1 stablecoin deposits. The first $2,000/month earns at most $30 gross. This is before fees, not exact transaction credits; rounding is for display only.
22.50 USD purchase credit
After 14 days, redeem manually in Rewards → Redeem. Credit funds future eligible card purchases; bank/external-wallet withdrawal is unavailable.
Regional issuance fees, $40 physical delivery and network costs Non-USD FX of 0.5–1.75% and small non-USD transaction fees Ineligible transactions, refunds, promotions and actual per-transaction roundingUnknown costs are never treated as zero.