What is your return on spend?
Everyone quotes an earn rate. Almost nobody tells you what the points are worth once they are spent, and that second number decides everything. Here is the whole formula, in the open.
Net this month $0 Return on spend 0.0% Flat 2% cash back $0
What your spending
earns you
Pick your trade and set your monthly spend. The multipliers reflect how those vendors commonly code, which is why a restaurant and an agency get very different answers.
What those points are
worth when spent
A point has no fixed value. It is worth whatever the booking you make is worth, and the spread between the worst and best answer is the entire business.
How much of it would you
have paid cash for?
This is where most calculators cheat. A $9,000 business class seat is only worth $9,000 to you if you would have bought it. Set the share you would genuinely have paid for and we will value the rest at what a sensible cash alternative costs instead.
The formula,
with our fee inside it
One month at a time, because that is how a fee is felt. Our $550 comes out before you see the number.
Set your spend above and this becomes your estimate.
Your Competitors Route Their Spend. Do You?
The Found Money Call: free, 20 minutes, 6 questions, on the channel you choose. Your capture number, computed. An honest no if the math says no.
One real redemption, every weekday.
The newsletter behind the desk: what the desk found on request, what it cost in points, and what it would have cost in cash. Free, and you can leave whenever you like.