Portal vs. Card Multiplier

Enter the portal cashback rate and your card's earn rate to see which wins — and by how much. Remember: you can usually stack both.

Portal cashback rate

E.g. Rakuten shows 5% at this retailer

Card earn rate

Multiplier on your card for this category

Your point value

Conservative: 1.0¢ | Typical: 1.5¢ | Aspirational: 2.0¢+

Result

Portal wins

by 0.50% effective return

Card effective return

4.50%

3x × 1.5¢

Portal effective return

5.00%

Direct cashback

If you stack both

9.50%

Portal cashback doesn't prevent your card from earning its normal rate — stacking is usually possible.