Credit Card Decisions

Smarter payoffs. Lower interest. Clear choices.

 

Opening a card without running the numbers can cost you—in interest, fees, and credit score dings. Our calculators reveal your true monthly payment, time to pay off, total interest, and balance-transfer savings so you can choose the best-fit card and avoid expensive surprises.
All tools run in your browser—no data saved.

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Ready to choose the right card with confidence?
👉 Credit Card Calculator — Run your numbers now

Comparing options?
👉 Credit Card Calculator — Compare two cards side-by-side 

 

Why calculate first

• Protect your credit: Apply once—to the right card.

• See lifetime cost, not just the teaser: Intro APRs end; know the post-promo reality.

• Match the card to your plan: Carrying a balance? Prioritize low APR over rewards. Paying in full? Run the rewards vs. fee math.

• Spot fee traps: Transfer fees, annual fees, penalty APRs, deferred interest.

• Pick the payoff winner: Side-by-side comparisons show which option gets you debt-free faster and cheaper.

 

What to compare (quick list)

APR now & later (intro, post-promo, penalty) • Fees (annual, transfer 3–5%, cash advance, foreign) • Credit line & utilization • Rewards vs. your payoff schedule • Your behavior (carry a balance or pay in full)

 

The calculators

• Monthly Payment: Balance + APR + months → payment & total cost

• Time to Pay Off: Fixed payment → months to zero & interest

• Balance Transfer Analyzer: Promo APR + fee + your payment → savings & break-even month

• Minimum Payment Trap: How long “min due” really takes—and what it costs

• Compare Two Cards: Side-by-side totals to pick the cheaper payoff path

Pro tip: If your payment ≤ monthly interest, you’re not reducing principal. Raise the payment or seek a lower APR.

 

Ready to choose the right card with confidence?
👉 Credit Card Calculator — Run your numbers now

Comparing options?
👉 Credit Card Calculator — Compare two cards side-by-side 

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Quick scenarios

• “Debt-free in 18 months?” → Monthly Payment

• “I can pay $250/mo—when am I done?” → Time to Pay Off

• “0% for 12 months with 3% fee—worth it?” → Balance Transfer

• “How bad are minimums?” → Minimum Payment Trap

• “Which card should I use to pay this off?” → Compare Two Cards

 

Smart payoff checklist

• □ Modeled the post-promo APR

• □ Fees don’t erase savings (annual + transfer)

• □ Payment plan fits budget and reduces principal

• □ If carrying a balance → low APR wins over rewards

• □ If paying in full → rewards justify any annual fee

• □ Plan to apply to one best-fit card (limit hard inquiries)

 

FAQs

Does using these tools affect my credit? No—calculators only, no inquiries.
Why might results differ from my statement? Issuer math and fees vary; use statement APR, fees, and dates for best accuracy.
Can I save or share results? Yes—each tool supports Export to PDF.

 

Compliance & privacy

Educational estimates, not offers or advice. Actual costs depend on issuer rules, fees, compounding, and payment behavior. Inputs are processed locally; we don’t store your data. 

 

 

Ready to choose the right card with confidence?
👉 Credit Card Calculator — Run your numbers now

Comparing options?
👉 Credit Card Calculator — Compare two cards side-by-side