Spain
Mexico
Brazil
Poland
Taiwan
Philippines
South Korea
Cost calculator
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
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.
Issuance/shipping per month: $100.00 ÷ 12
RedotPay — Pro membership and rewards ↗RedotPay — Fees retained after refunds ↗