- Using Online Credit Card Calculators as a Personal Finance Tool
- Bi-Weekly Credit Card Payments Can Save $1000s in Interest Charges
- Avoiding Credit Card Debt - Preventive Medicine is Best
- Is Increasing Minimum Credit Card Payments Really Good for Consumers?
- Credit Card Consolidation- What You Need to Know Before Consolidating Debt
Calculators
Related Links
Credit Card Payoff Calculator
Enter your credit card balance, interest rate and a monthly payment amount, then hit Calculate to see how long it would take to pay off your balance if you made that same payment every month (assuming you stopped putting new charges on the card, of course). To understand how just a little extra each month can affect the time until payoff, increase the monthly payment slightly and re-calculate -- the change may surprise you.
Discover it®
- The new Discover it card is out to change the way people think about credit cards.
- Fair...No annual fee. No overlimit fee. No foreign transaction fee & no pay-by-phone fee. No late fee on your first late payment. And we won't increase your APR for paying late.*
- Generous...5% Cashback Bonus on up to $1,500 in purchases at Home Improvement Stores now through June with free and easy sign-up. And 1% cash back on all other purchases.*
- Plus a Cashback ConciergeSM who guides a free, personalized online tour to help you get the most rewards for how you use your card.
- Flexible...Choose your own due date and pay up to midnight ET online or by phone.
- Human...talk to a real person any time with 100% U.S.-based service.
- Safe...Because you'll never pay for unauthorized purchases with our $0 Fraud Liability Guarantee.
- 0% Intro APR* on purchases and balance transfers for 14 months. Then the variable purchase APR applies, currently 10.99% - 22.99%. *Click apply for Terms & Conditions.
Purchase Intro
APR: 0% on purchases
Term: 14 months
Purchase APR
10.99% - 22.99% Variable*
Balance Transfer Intro APR
0% intro APR
Balance Transfer Intro Period
14 months
Annual Fee
$0
Discover it® - 18 Month Balance Transfer
- The new Discover it card is out to change the way people think about credit cards.
- Fair...No annual fee. No overlimit fee. No foreign transaction fee & no pay-by-phone fee. No late fee on your first late payment. And we won't increase your APR for paying late.*
- Generous...5% Cashback Bonus on up to $1,500 in purchases at Home Improvement Stores now through June with free and easy sign-up. And 1% cash back on all other purchases.*
- Plus a Cashback ConciergeSM who guides a free, personalized online tour to help you get the most rewards for how you use your card.
- Flexible...Choose your own due date and pay up to midnight ET online or by phone.
- Human...talk to a real person any time with 100% U.S.-based service.
- 0% Intro APR* on balance transfers for 18 months. Then the variable purchase APR applies, currently 10.99% - 22.99%.
- 0% Intro APR* on purchases for 6 months. Then the variable purchase APR applies, currently 10.99% - 22.99%. *Click apply for Terms & Conditions.
Purchase Intro
APR: 0% on purchases
Term: 6 months
Purchase APR
10.99% - 22.99% Variable*
Balance Transfer Intro APR
0% intro APR
Balance Transfer Intro Period
18 months
Annual Fee
$0
Citi® Diamond Preferred® Card
- Get 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the APR will be 11.99%-21.99% based upon your creditworthiness.*
- There is a balance transfer fee of either $5 or 3% of the amount of each transfer.
- Citi® Price Rewind searches for a lower price. Learn how you can get lower price after you purchase an item.
- Let our 24/7 concierge service help book your hotel rooms, flights and more.
- Enjoy special access to presale tickets, preferred seating, VIP packages, and unique entertainment experiences through Citi Private Pass®.
- $0 liability on unauthorized purchases and Citi® Identity Theft Solutions
- No annual fee*
Purchase Intro
APR: 0%*
Term: 18 months on Purchases*
Purchase APR
11.99% - 21.99%* Variable
Balance Transfer Intro APR
0%*
Balance Transfer Intro Period
18 months on Balance Transfers*
Annual Fee
$0*
Citi Simplicity® Visa® Card
- 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the variable APR will be 12.99% - 21.99% based on your creditworthiness.
- There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
- No late fees - EVER
- No penalty rate - EVER
- No annual fee - EVER
- Save time when you call with fast, personal help, 24 hours a day.
Purchase Intro
APR: 0%*
Term: 18 months on Purchases*
Purchase APR
12.99 - 21.99% Variable
Balance Transfer Intro APR
0%*
Balance Transfer Intro Period
18 months on Balance Transfers*
Annual Fee
$0*
Slate® from Chase
- Click "APPLY NOW" to apply online or call 888-706-5850
- Introductory Offer - No Balance Transfer Fee!*
- Transfer a balance during the first 60 days your account is open, and as an introductory offer you will pay no balance transfer fee!*
- 0% Introductory APR for 15 months on purchases and balance transfers!*
- Avoid interest and pay down balances faster with free Blueprint® features*
- Patented Fraud Protection and zero liability on unauthorized purchases*
- Add an additional card user to your Slate account at no extra cost*
- No Annual Fee*
Purchase Intro
APR: 0%
Term: 15 months
Purchase APR
11.99% - 21.99% Variable
Balance Transfer Intro APR
0%
Balance Transfer Intro Period
15 months
Annual Fee
None
Citi® Dividend Platinum Select® Visa® Card - $100 Cash Back
- $100 cash back after $500 in purchases within the first 3 months of account opening
- 0% Intro APR on Balance Transfers and Purchases for 12 months. After that, the APR will be 12.99%-22.99% variable based on your creditworthiness*
- Earn 5% cash back from Citi at Home Depot, Home furnishing stores and home and garden stores between 4/1/13 and 6/30/13, with enrollment
- Enroll at no additional cost each quarter for new categories that earn additional cash back
- Full 1% cash back on all other purchases and eligible cash advances.
- No Annual Fee*
Purchase Intro
APR: 0%
Term: 12 months*
Purchase APR
12.99% - 22.99%* Variable
Balance Transfer Intro APR
0%
Balance Transfer Intro Period
12 months*
Annual Fee
$0*
Slate® MasterCard from Chase
- Introductory Offer - No Balance Transfer Fee!*
- Transfer a balance during the first 60 days your account is open, and as an introductory offer you will pay no balance transfer fee!*
- After the first 60 days, the fee for future balance transfers is 3% of the amount transferred with a minimum of $5.*
- 0% Introductory APR for 15 months on purchases and balance transfers!*
- Avoid interest and pay down balances faster with free Blueprint® features*
- Patented Fraud Protection and zero liability on unauthorized purchases*
- Add an additional card user to your Slate account at no extra cost*
- No Annual Fee*
Purchase Intro
APR: 0%
Term: 15 months
Purchase APR
11.99% - 21.99% Variable
Balance Transfer Intro APR
0%
Balance Transfer Intro Period
15 months
Annual Fee
None
Simmons First Visa® Platinum
- Created for those with Excellent Credit and approval is based on your credit rating and application review.
- Low 7.25% variable standard purchase APR and platinum benefits
- No balance transfer fee for balances transferred in response to this online offer
- No Annual Fee
Purchase Intro
APR: None
Term:
Purchase APR
7.25% Variable
Balance Transfer Intro APR
7.25% Variable
Balance Transfer Intro Period
Annual Fee
None
Chase Freedom® Visa
- Click "APPLY NOW" to apply online or call 866-943-1969
- This offer is for people with a good to excellent credit history which means, among other things, that your credit history is clear of bankruptcy and seriously delinquent accounts
- Earn $100 Bonus Cash Back after you make $500 in purchases in your first 3 months from account opening
- 0% Intro APR for 15 months on purchases and balance transfers
- 5% Cash Back on up to $1,500 spent between Apr 1 and Jun 30, 2013 at restaurants, movie theaters, and Lowe's®
- You'll enjoy new 5% categories every 3 months like gas stations, restaurants and Amazon.com. It's free and easy to activate your bonus each quarter!
- Unlimited 1% Cash Back on all other purchases
- No annual fee and rewards never expire
Purchase Intro
APR: 0%
Term: 15 months
Purchase APR
13.99% - 22.99% Variable
Balance Transfer Intro APR
0%
Balance Transfer Intro Period
15 months
Annual Fee
n/a
Citi ThankYou® Card
- Enjoy 0% Intro APR on Balance Transfers and Purchases for 15 months. After that, the variable APR will be 12.99% - 22.99% based upon your creditworthiness*
- Earn 1 ThankYou Point for every $1 you spend on purchases.
- Enjoy no limit on the number of points you can earn
- Redeem ThankYou Points for merchandise, travel rewards, gift cards, cash and more
- Travel with ease and enjoy global acceptance with Chip Technology
- No annual fee*
Purchase Intro
APR: 0%*
Term: 15 months on Purchases
Purchase APR
12.99% - 22.99%* Variable
Balance Transfer Intro APR
0%*
Balance Transfer Intro Period
15 months on Balance Transfers
Annual Fee
$0*
PenFed Promise Visa® Card
- No annual fee
- No foreign transaction fee
- No late fee
- No balance transfer fee
- No penalty APR
- APR for Purchases - 7.49% introductory APR for 36 months. After that, your APR will vary with the market based on the Prime Rate, and is currently 9.99%.
- APR for Cash Advances - 9.99%. Your APR will vary with the market based on the Prime Rate.
- APR for Balance Transfers - 4.99% promotional rate for the life of the balance on transfers made from April 1, 2013 through June 30, 2013. After June 30, 2013, the APR for new balance transfers will vary with the market based on the Prime Rate, and is currently 9.99%. This transaction is subject to credit approval.
Purchase Intro
APR: 7.49%
Term: 36 months
Purchase APR
9.99% Variable
Balance Transfer Intro APR
4.99%*
Balance Transfer Intro Period
promotional rate for the life of the balance on transfers made from April 1, 2013 through June 30, 2013
Annual Fee
$0
Mutual of Omaha Bank Platinum Rewards MasterCard®
- 5000 Reward Points bonus on first purchase
- 2X Rewards for First 60 days
- $1 purchase = 1 reward point
- Points redemption in Merchandise, Travel, Cash Back
- No Balance Transfer Fee
- Low APR
- No Annual Fee
- No Penalty APR
- No Overlimit Fee
Purchase Intro
APR: N/A
Term:
Purchase APR
9.99%-20.99% Variable
Balance Transfer Intro APR
9.99%-20.99% Variable
Balance Transfer Intro Period
Annual Fee
None
