X Money cash back calculator
Enter your monthly spending by category, including the stuff X Money now excludes, and see what you'd actually earn with X Money vs. each rival card.
Math only, not financial advice. This uses advertised base rates from the sources on the Compare page. It ignores sign-up bonuses, interest/APY, credit card interest and fees for paying rent/tuition/utilities by card, caps, and rival-card exclusions. Merchants' actual MCCs can differ from the category labels.
Results
Fees/memberships counted: annual card fees and required paid memberships (e.g. Robinhood Gold $50/yr), plus whatever you enter for X. "Up to 3%" is treated as 3%. X says cash back may be capped and the percentage may vary by category.