YUCTS Tools

Points and Cashback Calculator (with Caps and Point Value)

Enter your own reward rates, point values and caps to see the rewards you actually earn and the effective reward rate. Add up card and store points, or compare which option gives the most.

  • Runs in your browser (no upload)

How the rewards combine

Reward terms

Enter the reward rate, point value and cap from your card issuer or store yourself (this tool has no official reward data). For plain cashback, set the value of 1 point to 1.

  1. Reward 1

  2. Reward 2

  3. Reward 3

Issuers and stores differ. The default rounds down so rewards are not overestimated.

Result

Total rewards (in money)
17.50
Effective reward rate
5.83%
Effective cost
282.50

Rewards, largest first

  1. Campaign10.00

    10 points3.33% effective

    Cap reached (without the cap: 15 points). Spending more than about 200.00 earns nothing extra.

  2. Credit card4.50

    4.5 points1.5% effective

  3. Store points3.00

    300 points (1 point = 0.01)1% effective

How to use

  1. Enter the payment amount and choose whether the rewards add up or you pick only one.
  2. For each reward, enter the rate (or points per amount spent), the value of one point and any point cap.
  3. Check the reward value, effective reward rate and effective cost, then copy the result or download it as CSV.

FAQ

Is "1 point per 100 spent" the same as 1%?

Not exactly. "1 point per 100 spent" ignores the remainder below 100, so 12,345 earns 123 points. Choose "Points per amount spent" to calculate it that way.

What happens above the cap?

Points stop at the cap, and the tool shows roughly from which payment amount the cap is reached.

Are card issuers' reward rates filled in automatically?

No. Reward terms change often, so the tool has no built-in official data. Check the latest terms and enter them yourself.

Notes & limitations

  • What you enter is processed only on this page and is not sent to YUCTS servers.
  • Rates, point values and caps are estimates based on what you enter, not official data from card issuers or stores.
  • Excluded payments, crediting dates, expiry and membership tiers are not considered.
  • Rounding may differ from the actual program rules.