Here’s how you can use the spread calculator to estimate how much you can earn in your credit card, debit card, or other prepaid account.
If you’re not familiar with how spread calculations work, here’s a quick rundown: A spread is a percentage of a transaction, but the total amount of money you make from a credit card or a debit card or other card in a given day or week is different depending on how much money you spend.
If the total is 10% or less, then you can claim a credit limit of $10,000.
If it’s more than 10% and you spend more than $10 to earn a spread, you’ll pay a penalty of $25 per $1,000 spent.
The spread calculator lets you enter your total spend and credit limit to determine how much to add or subtract to your spread.
You can also calculate your maximum earnings per day or per month.
The calculator gives you the amount of credit you can expect to earn per day and monthly, and how much more or less you’ll earn in the future.
Here are some common spread amounts: $0 – 0.5% of your total purchases in a month, or $0.02 per dollar spent.
$0 and up – 0% of total purchases.
The next highest is $2,000, but there are no limits on how high that figure can go.
$10 – $25.00 for every $1 you spend in a year, or more than 50% of a $100 purchase.
$50,000 – $100,000 for every dollar spent in a single month.
$100K or more – 100% of an $8,000 purchase.
For example, if you spend $100 a month and make $100 in one month, you’d earn $1.50 per $100 spent.
You’ll need to enter the amount that applies to your total, including the minimum spending requirements.
For instance, if your total is $10 a month with no minimum spend, you can’t earn more than 20% of that total.
Your maximum earnings will also be based on the minimum amount of spending required to earn your spread and the total number of days you have left on your balance.
For a better idea of how the spread calculations compare to the real world, check out this chart.
To learn how to calculate your spread, check our spread calculator.
How to calculate the spread of a credit or debit card A credit or a card can only be used once per month, so if you have one for less than two months, it won’t apply to your new spread.
To calculate your new credit or card spread, enter the total you’ve earned for the month, then subtract $10 per day from it.
For an example, to earn 10% of the $50 you spend on coffee on a Saturday, you need to subtract $0 from $10.
This gives you $25 in total earnings.
To enter the new card spread for a second time, add $50 from $25 to $100.
This will give you $100 earned, so you can apply the new spread to your next two purchases of $50 or more.
How much you should apply to a spread If you spend a lot of money on a credit and you want to earn more spread, then the best way to do it is to spend a larger portion of your spending on your credit cards, debit cards, or prepaid accounts.
That way, your credit limit will be lower than if you only used a small portion of it.
However, if spending a large portion of the money on credit cards and debit cards will make your credit score lower, then spending on prepaid accounts is the way to go.
In general, it’s best to apply your new card spreads to your monthly or weekly spending, then apply them to your credit limits when you use your new cards or debit cards.
The more spread you earn, the more you’ll be able to apply to credit and debit card limits.
For more information on how to apply the spread you’ve calculated to your limit, read our guide on how spread amounts work.
When can you apply your spread?
You can apply your earnings to your limits if you use a credit for your purchases, or you can make a new purchase of $100 or more on the day before you need your spread calculated.
But when can you make a credit payment?
You need to make a payment of $1 or more by the end of the billing cycle to apply that spread to a limit.
For the rest of the month you’ll have to apply it to your card limits on the next business day.
When you apply a spread to an account, you’re applying a percentage to a portion of a balance that has not yet been earned.
For most people, this is less than 0.1%.
If you make multiple payments for the same amount, you