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Revolving balance Interest Calculator

Enter your current credit card balance $
Enter your credit card's interest rate (shown as APR on your credit card statement)   %
Enter your average monthly payment, in dollars. (If you leave this blank, the calculator will use the selected period of time in this calculation) $ OR
Over what time period in months would you like to calculate your interest charges?     months
It will take you to pay off your credit card.
Show How to use Calculator

If you don't pay off your credit card balance each month, you're paying more than you should in interest. But how much? Enter your credit card balance, your interest rate, and an average monthly payment OR a time period to see how much interest you'd actually pay based on your monthly payment or in a specific period of time.

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Cards by Category from our Partners
BankAmericard<sup>®</sup> Visa<sup>®</sup> Card
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BankAmericard® Visa® Card

  • 0% Introductory APR for 15 billing cycles for purchases and for any balance transfers made in the first 60 days, then, 10.99% - 20.99% variable APR
  • No annual fee†
  • The perfect card for those seeking a simple yet convenient-to-use credit card
  • 0% Introductory APR for 15 billing cycles for purchases and for any balance transfers made in the first 60 days, then, 10.99% - 20.99% variable APR
  • No annual fee†
  • The perfect card for those seeking a simple yet convenient-to-use credit card
  • Our $0 Liability Guarantee, so you're not responsible for any fraudulent charges made on your account
  • Chip technology for enhanced security at chip-enabled merchant terminals

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The Amex EveryDay<sup>SM</sup> Preferred Credit Card from American Express
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The Amex EveryDaySM Preferred Credit Card from American Express

  • Earn 15,000 Membership Reward® points after you use your new Card to make $1,000 in purchases within the first 3 months.
  • Earn 50% more points: Use your Card 30 or more times on purchases in a billing period and earn 50% more points on those purchases less returns and credits. Terms and limitations apply.
  • 3x points at US supermarkets on up to $6,000 per year in purchases (then 1x); 2x points at US gas stations; 1x points on other purchases. Terms and limitations apply.
  • Earn 15,000 Membership Reward® points after you use your new Card to make $1,000 in purchases within the first 3 months.
  • Earn 50% more points: Use your Card 30 or more times on purchases in a billing period and earn 50% more points on those purchases less returns and credits. Terms and limitations apply.
  • 3x points at US supermarkets on up to $6,000 per year in purchases (then 1x); 2x points at US gas stations; 1x points on other purchases. Terms and limitations apply.
  • You can use Membership Rewards® points to pay for all or part of your flight, prepaid hotel, vacation or cruise through amextravel.com
  • 0% intro APR on purchases and balance transfers for 15 months, then a variable rate, currently 12.99% to 21.99%, based on your creditworthiness and other factors.
  • Terms and limitations apply.

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Chase Freedom<sup>®</sup>
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Chase Freedom®

  • Named a Best Card for Cash Back by MONEY® Magazine
  • Earn a $100 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • Earn a $25 Bonus after you add your first authorized user and make a purchase within this same 3-month period
  • Named a Best Card for Cash Back by MONEY® Magazine
  • Earn a $100 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • Earn a $25 Bonus after you add your first authorized user and make a purchase within this same 3-month period
  • 0% Intro APR for 15 months on purchases and balance transfers. After the intro period, a variable APR of 13.99-22.99%
  • 5% Cash Back on up to $1,500 in combined purchases between 4/1/15-6/30/15 at Restaurants, Bed Bath & Beyond®, H&M®, and Overstock.com®.
  • 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 as long as your account is open

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Discover it<sup>®</sup>
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Discover it®

  • 0% intro APR on balance transfers for 18 months--then a variable purchase APR applies, currently 10.99% - 22.99%. A 3% fee applies to each transferred balance.
  • 0% intro APR on purchases for 6 months. Then the variable purchase APR applies, currently 10.99% - 22.99%
  • Free FICO® Credit Score on monthly statements, online and in our mobile app.*
  • 0% intro APR on balance transfers for 18 months--then a variable purchase APR applies, currently 10.99% - 22.99%. A 3% fee applies to each transferred balance.
  • 0% intro APR on purchases for 6 months. Then the variable purchase APR applies, currently 10.99% - 22.99%
  • Over 7,000 cardmembers rated 4.8 out of 5 stars* and J.D. Power awarded Discover "Highest in Customer Satisfaction with Credit Card Companies. Tied in 2014."+
  • 5% Cashback Bonus for gas and ground transportation on up to $1500 in purchases from Jan. through Mar. 2015 after you sign up for 5% Cashback Bonus. 1% cash back on all other purchases.
  • Free FICO® Credit Score on monthly statements, online and in our mobile app.*
  • No annual fee, no late fee for your first late payment, APR won't go up for paying late, no overlimit fee and no foreign transaction fee.*
  • Each Discover purchase is monitored. If it's unusual, you're alerted by e-mail, phone or text-and never responsible for unauthorized purchases on your Discover card.
  • *See rates, rewards, free FICO® Credit Score terms, balance transfer terms and other info by clicking "Apply."

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Chase Slate<sup>®</sup>
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Chase Slate®

  • Chase Slate named "Best Credit Card for Balance Transfers" two years in a row by Money Magazine
  • $0 Introductory balance transfer fee for transfers made during the first 60 days.
  • 0% Introductory APR for 15 months on purchases and balance transfers.
  • Chase Slate named "Best Credit Card for Balance Transfers" two years in a row by Money Magazine
  • $0 Introductory balance transfer fee for transfers made during the first 60 days.
  • 0% Introductory APR for 15 months on purchases and balance transfers.
  • $0 Annual Fee
  • NEW Free Monthly FICO® Score and Credit Dashboard

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U.S. Bank FlexPerks<sup>®</sup> Select+ American Express<sup>®</sup> Card
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U.S. Bank FlexPerks® Select+ American Express® Card

  • Earn 10,000 enrollment FlexPoints after you spend $1,000 in Net Purchases (purchases minus credits and returns) on your Card within the first four months of account opening.
  • Use your Card at select membership warehouse clubs and for everyday purchases.
  • 1 FlexPoint for every $1 in Net Purchases.
  • Earn 10,000 enrollment FlexPoints after you spend $1,000 in Net Purchases (purchases minus credits and returns) on your Card within the first four months of account opening.
  • Use your Card at select membership warehouse clubs and for everyday purchases.
  • 1 FlexPoint for every $1 in Net Purchases.
  • No annual fee.
  • Travel Advisor Fee: $25

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The Amex EveryDay<sup>SM</sup> Credit Card from American Express
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The Amex EveryDaySM Credit Card from American Express

  • Earn 10,000 Membership Reward® points after you use your new Card to make $1,000 in purchases within the first 3 months.
  • Earn 20% more points: Make 20 or more purchases with your Card in a billing period and earn 20% more points on those purchases less returns and credits. Terms and limitations apply.
  • 2x points at US supermarkets, on up to $6,000 per year in purchases (then 1x); 1x points on other purchases. Terms and limitations apply.
  • Earn 10,000 Membership Reward® points after you use your new Card to make $1,000 in purchases within the first 3 months.
  • Earn 20% more points: Make 20 or more purchases with your Card in a billing period and earn 20% more points on those purchases less returns and credits. Terms and limitations apply.
  • 2x points at US supermarkets, on up to $6,000 per year in purchases (then 1x); 1x points on other purchases. Terms and limitations apply.
  • You can use Membership Rewards® Pay with Points to pay for all or part of your flight, hotel booked and paid in advance, vacation or cruise booking.
  • No annual fee. Plus, 0% intro APR on purchases and balance transfers for 15 months, then a variable rate, currently 12.99% to 21.99%, based on your creditworthiness and other factors.
  • Terms and limitations apply.

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Barclaycard<sup>®</sup> Ring MasterCard<sup>®</sup> - 1% Back on Balance Transfers
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Barclaycard® Ring MasterCard® - 1% Back on Balance Transfers

  • Get a 1% Statement Credit back on the amount of balance transfers made in the first 60 days of account opening
  • No Balance Transfer Fees - start saving immediately!
  • A low 8% variable APR on balance transfers and purchases
  • Get a 1% Statement Credit back on the amount of balance transfers made in the first 60 days of account opening
  • No Balance Transfer Fees - start saving immediately!
  • A low 8% variable APR on balance transfers and purchases
  • No Annual Fees

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Capital One<sup>®</sup> Platinum Prestige Credit Card
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Capital One® Platinum Prestige Credit Card

  • Get 0% intro APR on all purchases until June 2016; 10.9%-20.9% variable APR after that
  • Balance transfers also have a 0% intro APR until June 2016, a 3% fee applies to each balance transferred
  • Pay no annual fee or foreign transaction fees
  • Get 0% intro APR on all purchases until June 2016; 10.9%-20.9% variable APR after that
  • Balance transfers also have a 0% intro APR until June 2016, a 3% fee applies to each balance transferred
  • Pay no annual fee or foreign transaction fees
  • Fraud coverage if your card is lost or stolen
  • Enjoy extended warranty protection on eligible items purchased with your card
  • Easily manage your account 24/7 with online access, by phone or using our mobile app
  • Pick the monthly due date that works best for you
  • 100% free Capital One® Credit Tracker-see your monthly credit score anytime and get automatic alerts

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Capital One<sup>®</sup> Quicksilver<sup>®</sup> Cash Rewards Credit Card
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Capital One® Quicksilver® Cash Rewards Credit Card

  • One-time $100 bonus after you spend $500 on purchases within the first 3 months
  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories and no sign ups needed to earn cash rewards
  • One-time $100 bonus after you spend $500 on purchases within the first 3 months
  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories and no sign ups needed to earn cash rewards
  • Cash back doesn't expire and there's no limit to how much you can earn
  • 0% intro APR on purchases until December 2015; 12.9%-22.9% variable APR after that
  • Balance transfers also have a 0% intro APR until December 2015, a 3% fee applies to each balance transferred
  • Pay no annual fee or foreign transaction fees
  • Capital One® Credit Tracker-the free way to easily monitor your monthly credit score anytime, anywhere

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Discover it<sup>®</sup> card
Editor's Rating
About Our Ratings

Discover it® card

  • 0% intro APR on purchases & balance transfers for 14 months--then a variable purchase APR applies, currently 10.99% - 22.99%. A 3% fee applies to each transferred balance.
  • Over 7,000 cardmembers rated 4.8 out of 5 stars* and J.D. Power awarded Discover "Highest in Customer Satisfaction with Credit Card Companies. Tied in 2014."+
  • Free FICO® Credit Score on monthly statements, online and in our mobile app.*
  • 0% intro APR on purchases & balance transfers for 14 months--then a variable purchase APR applies, currently 10.99% - 22.99%. A 3% fee applies to each transferred balance.
  • Over 7,000 cardmembers rated 4.8 out of 5 stars* and J.D. Power awarded Discover "Highest in Customer Satisfaction with Credit Card Companies. Tied in 2014."+
  • 5% Cashback Bonus for gas and ground transportation on up to $1500 in purchases from Jan. through Mar. 2015 after you sign up for 5% Cashback Bonus. 1% cash back on all other purchases.
  • Free FICO® Credit Score on monthly statements, online and in our mobile app.*
  • No annual fee, no late fee for your first late payment, APR won't go up for paying late, no overlimit fee and no foreign transaction fee.*
  • Each Discover purchase is monitored. If it's unusual, you're alerted by e-mail, phone or text-and never responsible for unauthorized purchases on your Discover card.
  • 100% U.S.- based customer service-- day or night.
  • *See rates, rewards, free FICO® Credit Score terms and other info by clicking "Apply."

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Visa<sup>®</sup> Black Card<sup>™</sup>
Editor's Rating
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Visa® Black Card

  • Earn 25,000 Bonus Points when you spend $1,500 in the first 90 days* as part of our Industry - Leading Rewards Program.
  • Exclusive 24-Hour Concierge Service
  • VIP Treatment at over 3,000 Properties
  • Earn 25,000 Bonus Points when you spend $1,500 in the first 90 days* as part of our Industry - Leading Rewards Program
  • Exclusive 24-Hour Concierge Service
  • VIP Treatment at over 3,000 Properties
  • Made of Stainless SteelSM

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