Reward value after volatility

Scenario

Your spend × reward rate. $1,000 at 2% = $20.
Price path presets (hypothetical, not forecasts)
0 if your card needs no stake.
Rewards as advertised$240
Rewards worth at end$334
Net result$334
$0$183$367month 1month 12
Value of rewards heldSame rewards as CAD cashback

Assumes each month’s reward is credited at that month’s price and held to the end. Prices move in straight lines from start to midpoint to end; real prices do not. Fees, spreads and tax are ignored. This illustrates arithmetic, not a forecast or advice.

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