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 (4.20% APY)$625
Points at floor value$775
Points at marketed value$775
Crossover spend
$10,556/year
This program has no live redemption observations yet — the floor and marketed values shown are sourced editorial estimates, not a statistical distribution. The model excludes welcome bonuses and assumes the entered earn rate applies across spend.