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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? 
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.

Chase Slate®

Editor's Rating

  • $0 introductory balance transfer fee for transfers made during the first 60 days. After that, the fee for future balance transfers is 3% of the amount transferred with a minimum of $5.
  • Pay less interest. Save on balances and new purchases.
  • 0% Introductory APR for 15 months on purchases and balance transfers. After the introductory period ends, a variable APR of 12.99%, 17.99%, or 22.99%.
Apply Now Credit Needed: Good

Purchase Intro

APR: 0% Intro APR on purchases

Period: for 15 months on purchases

Purchase APR

12.99%, 17.99%, or 22.99% Variable

Balance Transfer Intro APR

0% Intro APR on balance transfers

Balance Transfer Intro Period

for 15 months on balance transfers

Annual Fee

$0

Chase Freedom® - $200 Bonus

Editor's Rating

  • For a limited time, earn a $200 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%
Apply Now Credit Needed: Good

Purchase Intro

APR: 0% Intro APR on purchases

Period: for 15 months

Purchase APR

13.99% - 22.99% Variable

Balance Transfer Intro APR

0% Intro APR on balance transfers

Balance Transfer Intro Period

for 15 months

Annual Fee

$0

Discover it®

Editor's Rating

  • 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 online and on monthly statements.*
Apply Now Credit Needed: Excellent

Purchase Intro

APR: 0% Intro APR on purchases

Period: 6 months

Purchase APR

10.99% - 22.99% Variable*

Balance Transfer Intro APR

0% Intro APR on balance transfers

Balance Transfer Intro Period

18 months

Annual Fee

$0

Capital One® Platinum Prestige Credit Card

Editor's Rating

  • Get 0% intro APR on all purchases until March 2016; 10.9%-18.9% variable APR after that
  • Balance transfers also have a 0% intro APR until March 2016, a 3% fee applies to each balance transferred
  • Pay no annual fee or foreign transaction fees
Apply Now Credit Needed: Good

Purchase Intro

APR: 0% intro on purchases

Period: until March 2016

Purchase APR

10.9% - 18.9% (Variable) 

Balance Transfer Intro APR

0% intro on balance transfers

Balance Transfer Intro Period

until March 2016

Annual Fee

$0

BankAmericard® Visa® Card

Editor's Rating

  • 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
Apply Now Credit Needed: Excellent

Purchase Intro

APR: 0% Introductory APR on purchases

Period: 15 billing cycles

Purchase APR

10.99% - 20.99% Variable

Balance Transfer Intro APR

0% Intro for 15 billing cycles for balance transfers made in the first 60 days

Balance Transfer Intro Period

15 billing cycles

Annual Fee

$0

The Amex EveryDaySM Preferred Credit Card from American Express

Editor's Rating

  • Get One Year of Amazon Prime plus 15,000 Membership Rewards® points after you make $1,000 in purchases with your new Card in the first three months.
  • Earn 50% more points: Make 30 or more purchases with your Card 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.
Apply Now Credit Needed: Excellent

Purchase Intro

APR: 0% on Purchases

Period: for 15 months

Purchase APR

12.99% - 21.99% Variable

Balance Transfer Intro APR

0% on Balance Transfers

Balance Transfer Intro Period

for 15 months

Annual Fee

$95

Citi Simplicity® Card

Editor's Rating

  • 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the variable APR will be 12.99% - 22.99% 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
Apply Now Credit Needed: Excellent

Purchase Intro

APR: 0%*

Period: 18 months on Purchases*

Purchase APR

12.99 - 22.99% Variable

Balance Transfer Intro APR

0%*

Balance Transfer Intro Period

18 months on Balance Transfers*

Annual Fee

$0*

Capital One® Quicksilver® Cash Rewards Credit Card

Editor's Rating

  • 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
Apply Now Credit Needed: Good

Purchase Intro

APR: 0% intro on purchases

Period: until September 2015

Purchase APR

12.9% - 22.9% (Variable) 

Balance Transfer Intro APR

0% intro on balance transfers

Balance Transfer Intro Period

until September 2015

Annual Fee

$0

Barclaycard Arrival World MasterCard®

Editor's Rating

  • Earn 20,000 bonus miles when you spend $1,000 on purchases in the first 90 days - that's enough to redeem for a $200 travel statement credit
  • Earn 2X miles on travel and dining and 1X miles on all other purchases
  • Miles don't expire as long as your account is open, active and in good standing
Apply Now Credit Needed: Excellent

Purchase Intro

APR: N/A

Period: N/A

Purchase APR

14.99% or 18.99%* Variable

Balance Transfer Intro APR

0% Intro APR on Balance Transfers

Balance Transfer Intro Period

for 12 Months*

Annual Fee

$0

The Amex EveryDaySM Credit Card from American Express

Editor's Rating

  • Get One Year of Amazon Prime plus 10,000 Membership Rewards® points after you make $1,000 in purchases with your new Card in the first three 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.
Apply Now Credit Needed: Excellent

Purchase Intro

APR: 0% on Purchases

Period: for 15 months

Purchase APR

12.99% - 21.99% Variable

Balance Transfer Intro APR

0% on Balance Transfers

Balance Transfer Intro Period

for 15 months

Annual Fee

$0

BankAmericard Cash Rewards Credit Card

Editor's Rating

  • Online-exclusive $100 cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
  • 1% cash back on every purchase, 2% at grocery stores and 3% on gas for the first $1,500 in combined grocery store and gas purchases each quarter
  • No annual fee
Apply Now Credit Needed: Excellent

Purchase Intro

APR: 0% Introductory APR on purchases

Period: 12 billing cycles

Purchase APR

12.99% - 22.99% Variable

Balance Transfer Intro APR

0% Intro APR for qualifying balance transfers

Balance Transfer Intro Period

12 billing cycles

Annual Fee

$0

Citi® Diamond Preferred® Card

Editor's Rating

  • 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® Easy DealsSM Get what you want for less. Earn Citi Easy Deals Points for the purchases you make with your card. Redeem your points for great online deals on name-brand merchandise, gift cards and even local deals.
Apply Now Credit Needed: Excellent

Purchase Intro

APR: 0%*

Period: 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*