Calculator
When do points beat cash back parked in savings?
Compare a plain cash-back card against points, with cash valued honestly against SwitchWize's own live top savings rate — not a competitor with a reason to sell you on points.
Expected annual value
2% cash back$600
Cash parked in SwitchWize's top savings rate (4.27% APY)$626
Points at observed P50$1,309
Points at observed P90$1,533
Crossover spend
$3,543/year
P50 and P90 come from the selected program's published observation snapshot. The model excludes welcome bonuses and assumes the entered earn rate applies across spend.