How to use this calculator
- Enter purchase price, cash discount (%), card reward (%), additional card fee.
- Choose a display currency, then select Calculate. Results also update after a brief pause while you edit.
- Read the result with the assumptions below. Export details or save a second scenario to compare your choices.
Formula and method
Assumptions and limitations
Assumes the card is paid in full without interest and rewards are realized at face value; caps and redemption restrictions excluded.
Worked example
With purchase price = 1000, cash discount (%) = 3, card reward (%) = 2, additional card fee = 0, cash net cost is approximately 970.
What the result means
A positive cost difference favors cash under these assumptions.
Common questions
How should I interpret cash net cost?
A positive cost difference favors cash under these assumptions.
What should I check before using this result?
Assumes the card is paid in full without interest and rewards are realized at face value; caps and redemption restrictions excluded.
Methodology and transparency
Calculation specification reviewed on 2026-10-14. Mathematical implementation is tested against independent reference fixtures. This does not imply review by a licensed financial professional. Read the testing and precision policy.