— effective rate
Quote comparison worksheet
Compare what reaches you—not just the headline rate.
Enter only the numbers shown in two offers. Everything is calculated in your browser and is cleared when you close or refresh the page.
Private calculation
Your two-offer worksheet
Calculated comparison
Result
— effective rate
— per card-currency unit
This arithmetic does not verify whether either offer is genuine, final or available for your exact card.
Method note · Updated 12 August 2026
How to compare gift card quotes without confusing them with FX
A quote comparison is useful only when the inputs describe the same card and the output measures what you would actually receive.
1. Match the card before comparing the money
Check that both offers refer to the same brand, country or currency, card format and face value. A quote for a physical US card is not automatically comparable with one for a digital UK card, even when the brand name is identical.
2. Convert each offer to net payout
Net payout is quoted payout minus disclosed fees. The worksheet treats a fee as a fixed naira amount because that is the simplest figure to verify. If a platform uses a percentage fee, calculate its naira value before entering it.
net payout=quoted payout−disclosed fees
3. Normalize by face value
Dividing the net payout by the face value produces an effective naira-per-unit rate. This lets you compare two offers that present their totals differently. It does not make the result an official foreign-exchange rate.
effective rate=net payout÷face value
4. Treat the result as a comparison, not a promise
Final payout can still depend on card validity, region, format, denomination, proof of purchase and review outcome. Use the worksheet to identify the clearer offer, then confirm the exact transaction terms. For a current platform estimate, check CardFlow’s gift card rate table.