Look to the numbers...
This calculator will help you to compare the long-term costs of credit cards that have varying interest rates, annual fees, introductory rates and compounding intervals. Simply enter a balance amount, a payment amount, and the terms for each card, then click the "Compute" button. Please note that fixed payments (the same amount for all payments) are used to compare the costs of the cards, so if you ever pay less than the entered payment amount, your actual costs will vary from the results of this calculator.

Note: If a card has no introductory offer, leave both the introductory fields blank for that card (as opposed to entering a zero in both fields).

Enter a balance amount to use to make comparison:
Enter a monthly payment amount:
Must be greater than monthly interest charge
Comparison Card #1 Card #2
Annual fee (optional):
Enter introductory annual interest rate (optional):
Term of introductory rate (# months - optional):
Enter the regular annual interest rate:
Enter the compounding period:
Number of payments till paid off:
Total costs:

Please note: All of our calculators are used for estimation purposes only and should not be considered final or guaranteed. Let us know if you want to go over your individual situation.

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