Rewards Calculator
Enter your monthly spending and see exactly how much you're leaving on the table. Compares a basic 1% card vs. Robinhood Gold vs. a fully optimized stack.
Monthly Spending
Adjust each category to match your actual spending
Average Person (1% card)
$240
per year in rewards
This is you if you're using a basic rewards card or — worse — no rewards card at all.
Robinhood Gold (3% flat)
$670
per year (after $50 Gold sub)
That's $430 MORE than average — deposited instantly into your brokerage.
Fully Optimized Stack
$900
per year
RH Platinum (5% dining) + Coinbase (4% BTC) + Venture X (5x travel) + Amazon Store (5%) + Robinhood Gold (3% everything else)
You're leaving $660 on the table vs. a basic card.
Bitcoin Growth Scenario (Coinbase 3%)
If you earned 3% back in Bitcoin and BTC appreciates ~50% over 3 years (hypothetical, not guaranteed):
Year 1 BTC earned
$720
Potential 3-year value (50% growth)
$1080
⚠️ This is hypothetical. Bitcoin can also lose value. Past performance is not indicative of future results. Not financial advice.
Best Card Per Category
⚡ All calculations assume you pay in FULL every month. Credit card interest rates are 18-30% APR — carrying a $1,000 balance wipes out ALL rewards and then some.