How many points does $75,000 a month in card volume earn?
Between 7,500 and 15,000 points every month, depending on program tier. Merchants earn 0.10, 0.15, or 0.20 points per dollar of settled card volume, depending on their cash-discount program rate (3.50%, 3.75%, or 3.99%). At the top tier, $75,000 a month is 15,000 points a month — 180,000 points a year, about $1,800 in rewards. One point is worth about one cent in redemption value.
| Cash-discount rate | Earn rate | On $75,000/mo | Yearly reward value |
|---|---|---|---|
| 3.50% | 0.10 pts / $1 | 7,500 pts/mo | ≈ $900 |
| 3.75% | 0.15 pts / $1 | 11,250 pts/mo | ≈ $1,350 |
| 3.99% | 0.20 pts / $1 | 15,000 pts/mo | ≈ $1,800 |
One point is worth about one cent in redemption value.
What can those points actually redeem?
At the top tier’s 15,000 points a month, the catalog milestones land fast: a $500 gift card (50,000 points) in less than four months; a business-class flight (80,000 points) in about five and a half; a MacBook Pro (125,000 points) in under nine. Electronic gift cards are issued instantly at redemption.
At the 3.50% tier the same milestones take roughly twice as long — the tier table above is the honest comparison shopping.
What does other volume earn?
The math scales linearly with volume — points per month at the top tier (0.20 pts/$1):
- $25,000/mo → 5,000 pts/mo — a $500 gift card roughly every 10 months.
- $150,000/mo → 30,000 pts/mo — a MacBook Pro about every 4 months.
- $500,000/mo → 100,000 pts/mo — business class monthly, with change.
- $1,000,000/mo → 200,000 pts/mo — about $24,000 a year in redemption value.
What does earning this cost?
Nothing out of pocket. The program is funded through the merchant’s existing cash-discount processing structure — no fees, no subscriptions, no minimums — and every redemption is pre-funded by a dedicated suspension account before points are ever earned. The only variable is the volume you already run.