Crypto Card Cashback: Calculating the Real Net Benefit

A cashback rate can look generous until you subtract what the card costs to use. When comparing cards, calculate the net benefit.

Calculating the net benefit

Net benefit is the rewards you receive minus your total cost of use. With 1% cashback and a total cost of 1.5%, the net benefit is -0.5%. This example only shows the calculation and is not Xerovan’s pricing.

Check the conditions

• Eligible merchant categories and transaction types
• Monthly caps and user tiers
• Minimum spend
• When rewards are paid out

Risks of reward tokens

Rewards paid in tokens can be worth a different amount when you receive them and when you use them. Check liquidity, sale restrictions and staking periods too. Local tax treatment may also differ.

Xerovan rewards

Xerovan offers cashback and staking rewards in the app. Conditions vary by product and country, so check them in the app before you use them.

Note: This article is general information, not financial or legal advice. Xerovan is not a bank; card and payment services are provided by licensed partners. Availability and fees vary by country, and merchants and issuers decide whether to approve a payment. Digital assets involve risks, including price volatility, network disruptions and possible loss of funds.