See what a year of business spend pays back.

Your monthly card spend is multiplied by twelve and run through the plan's cashback rates, tier by tier. Your deposit balance is run through the plan's treasury rates the same way. The launch bonus is added as its own line, the annual plan fee is subtracted, and the result is what you see. Nothing is rounded up and nothing is held back — if a plan's fee costs more than it earns, the total is negative and the page shows it.

Card spend is what your company puts through its cards in a typical month — subscriptions, advertising, travel, suppliers, anything settled on a card. Balance is the average amount sitting in the account across the year, not the peak: a business that holds $500,000 for one month and $50,000 for the rest should enter something close to the latter. Both are your figures, and nothing you type here is sent anywhere or saved.

The two fields open on figures that are typical of what business cards publish, and they are only a starting point — change them to what your own provider actually pays you and everything on the page recalculates. Neither default is chosen to make KAST look good: both sit at the upper end of what is commonly published, not the lower.

Because your own rate is the only one that answers your question, and because stating someone else's pricing is a claim that has to be right today and stay right tomorrow. Several providers publish no cashback rate at all, and one pays points with no published cash value, so a named table would be part guesswork. Putting the rate in your hands is both more accurate for you and honest about what we can actually know.

Because you supply it. Comparing our published rate against a figure we had asserted for someone else would not be like-for-like — several providers pay through money market funds, quoted net of fees and gated behind large minimums, which is a different kind of product from a savings rate. A number you enter is simply the rate you get today, and that is a fair thing to hold ours against. It is kept on its own line rather than folded into one total, because on a large balance it would otherwise swamp the cashback figure entirely.

Because nothing is compounded. Both lines add the same amount every month, so they rise in a straight line rather than curving upwards. That is deliberately the conservative choice: cashback is paid out rather than reinvested, and compounding would flatter the higher rate more the further out you look — which over three years would mean flattering KAST. A straight line cannot overstate the gap.

An introductory offer running to the end of 2026: an extra one per cent of cashback, and a fifty per cent uplift on the treasury reward rate. It is shown as its own line in the breakdown rather than folded into the headline rate, so you can see which part of the estimate is permanent and which part expires.

Whichever the calculator says. The Business Global Plan carries an annual fee, so it only makes sense once your card spend and deposit balance earn more than the fee costs — and the page tells you the monthly spend where that happens at your balance. Below that line, the Standard Plan is genuinely the better account.