How many points will my spending earn?

I puton my cards each month.

In a year, that’s68,400pointsAmerican Express Velocity Platinum Card · Velocity Frequent Flyer · Net value +A$244
See the card ranking →Enter by category

How do people your age compare?

At A$4,000/mo, you spend about the same as people in their 30s (A$4,200).

YouA$4,000/mo68,400
20savg A$2,400/mo41,000
30savg A$4,200/mo71,800
40savg A$5,200/mo88,900
50s+avg A$4,400/mo75,200
Points a year · top card by net value at each spend · your top card: American Express Velocity Platinum CardSee the ranking with my spend →

How we calculate net value

We convert points to cash and subtract the annual fee, so you can see whether a pricier card pays off.

Points a year68,400
×
Value per point1¢
−
Annual feeA$440
=
Net value+A$244
  • American Express Velocity Platinum Card · at A$4,000/mo
  • 1 point ≈ 1¢ (assumption, Oct 2026). Earn rates and annual fees follow each issuer’s disclosure.
  • Cards with earn caps are calculated with the cap applied.

Every number comes from the issuer

We check all 6 cards every month and show the verification date and source for each one. Rankings are not affected by partnerships.

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Frequently asked questions

Your yearly points converted to cash, minus the annual fee. A card that earns more can still come out lower if its fee is high.