Joan Senent

Your 4% crypto card probably doesn’t pay you 4%. So I built a calculator that shows what you actually get. I just shipped the True Cashback Calculator on Card Map. Try it here: cardmap.org/calculator You enter: > your country > monthly card spend > main spending currency > how much you spend abroad > whether you’re willing to pay for a tier or lock tokens Then the calculator does the annoying math for you. Not just the headline cashback rate. It calculates: > cashback bands and monthly caps > FX costs > annual membership fees > paid vs token-locked tiers > blended cashback across your actual spend > monthly and yearly net return > what your NEXT dollar of spend earns And then gives you one number: Advertised cashback → realistic cashback → actual $ earned after fees. For example, with $7,650/month on EtherFi Luxe: 3% advertised > 2.78% net > $212.92/month after the annual fee. You can also switch tiers instantly and compare the same spending profile across cards. Right now I’ve added: > @ether_fi > @Plasma > @EthenaPay > @0xinfini More cards are coming. I’m tired of crypto card pages screaming “UP TO 8% CASHBACK” while hiding the cap, FX fee, token lock or $1,000 membership behind three different pages of terms. I want Card Map to answer a much simpler question: “If I spend MY money with this card, how much do I actually get back?” And please try to break it. Send me any card, tier or cashback rule you think the calculator gets wrong.