Stack builder: rewards vs DCA
Compares a card's documented cashback (net of its documented fees) against buying the same money in bitcoin on a spot exchange (~0.2% buy fee). No price prediction - both sides are valued at the same BTC price you enter.
About the Bitcoin Stack Builder
Card rewards versus flat DCA: the stack builder compares the sats a cashback card stacks on your spending against simply buying the same amount of bitcoin directly.
How it works
- Enter your monthly spend, the card's documented cashback rate and its conversion costs.
- The calculator nets rewards after fees and compares them with buying the equivalent amount outright.
- The gap between the two is what the card's convenience actually costs or earns you.
FAQ
Which is better, rewards or DCA?
It depends on spend volume and fees - high documented rewards with no caps can beat DCA; capped or gated rewards usually do not. The tool shows your exact crossover.
Does it model bitcoin price changes?
No - both sides stack the same sats at the same price, so the price cancels out. The comparison is about fees and rates, not market timing.
Is this free?
Yes, and it runs locally in your browser.
Part of the bitcoin card tools set - all free, all client-side. The facts behind every number live on the card register and in our guides.