Free tool · Last checked 8 November 2026

Is a paid Incard plan worth it for your card spend?

Enter what your business spends on Incard cards each month. The calculator applies Incard's published cashback rates for each plan and shows where Grow and Plus pay for themselves on cashback alone.

Runs in your browser. Simple arithmetic, not a forecast.

Estimated cashback on £5,000 a month

**Table notes:** simple arithmetic using Incard's published rates as of 8 November 2026, not a forecast. Plus is shown at its minimum price and minimum 1.5% rate; Incard sets Plus terms per business.
Plan	Monthly fee	Cashback	Cashback minus fee
Free	£0	£47.50	£47.50
Grow	£49	£61.25	£12.25
Plus	from £199	£75	-£124

Where a paid plan breaks even

Grow: on cashback alone, it covers its fee against Free at about £17,800 of eligible spend a month, with your current mix of categories. You're below that, so Free earns you more unless you need the plan's other features.
Plus: on cashback alone, it covers its minimum fee against Free at about £36,200 of eligible spend a month, with your current mix of categories. You're below that, so Free earns you more unless you need the plan's other features.

The plan that makes sense for your spend: Free

On Free, your spending would earn about £47.50 a month in cashback, with no plan fee. You can start on Free and upgrade later if your spending grows.

Apply if your business is a UK Ltd, LLP or registered sole trader, or a Swiss GmbH, AG or sole trader, isn't in a restricted industry, and you haven't applied before. Incard is an e-money institution, not a bank: your balance is safeguarded, not FSCS-protected. Not sure? Check the eligibility rules first.

Apply for Incard on incard.co

Affiliate link: we may earn a commission if you open an Incard account through this link. It never affects our verdicts.

The rates it uses

Free (£0 a month): 1% on advertising, recurring software and travel, 1.75% on rideshare, 0.5% on everything else.
Grow (£49 a month): 1.25% on advertising, recurring software and travel, 1.75% on rideshare, 1% on everything else.
Plus (from £199 a month, or from £169 billed yearly): from 1.5%, set per business. We use 1.5% on every category.

The rideshare rate appears on Incard's pricing page but not in the Free fee schedule. Incard says yearly billing saves 15%, which would lower the breakeven points. Paid plans also add users, IBANs, FX allowance and API access, which this calculator ignores.

What counts as eligible spend

Incard's Rewards Policy pays cashback on card purchases at merchants on its eligible brand list. ATM withdrawals, fees, transfers and similar charges don't count, and refunds are deducted. Only enter spending you expect to qualify.

If you're not sure Incard can take your business on, check its eligibility rules first.

Sources