Everything about "house edge pai gow" hinges on a single number. Most casinos hand out loyalty points on every stake, often called comp points, and let them be exchanged for credit, spins or items in a shop. The exchange rate is where their value lies, and it is rarely shown next to the points balance. Working out what a single point is worth in money turns a vague reward into a percentage of the stakes that earned it.
The value of a point comes from the conversion rate. If a hundred points buy one unit of credit and each point costs ten units of stakes, the programme returns a tenth of a percent of everything staked. That figure is small next to the house edge on most games, which is the honest scale for a loyalty reward. Rates often improve with a higher tier, and the improvement is easy to measure in the same way.
Stakes made with bonus funds often earn no points at all, or earn them at a reduced rate, and the loyalty terms say which. The account page usually shows the current balance and the points still needed for the next reward, although the conversion rate may sit elsewhere. A quick note of the balance before and after a session shows the earning rate in practice, which is a useful check on the published one.
Many programmes refuse any exchange below a set number of points, and some convert only in fixed blocks, so small balances wait until they reach the threshold.
The account page usually shows the balance and the points still needed for the next reward, though the conversion rate is often listed elsewhere.
Compare the points a shop item or batch of spins costs with what the same points would fetch as credit at the cash conversion rate.
Divide the credit a block of points buys by the stakes needed to earn them; one point per ten staked at a hundred points per unit returns a tenth of a percent.
Slots usually earn the most points per stake, while table and live games earn a fraction as much because their lower edge leaves less margin to share.