What the result means
Compare what you pay now with the reward value you realistically expect to use later.
Example
On a $100 purchase, 10% off costs $90. A 15% reward used in full has an effective cost of $85, but at 50% usage its effective cost is $92.50.
How it works
Discounted cost = price × (1 − discount rate)
Usable reward = price × reward rate × usage rate
Effective reward cost = price − usable reward
A common mistake
15% cashback or points usually does not reduce today’s payment by 15%. You generally pay the full amount before receiving value later.
Frequently asked questions
How much is one point worth?
This tool assumes one point equals one unit of the selected currency.
What is reward usage?
It is the share of earned points or cashback you realistically expect to redeem.