💳

Credit Card Fee / Interest Comparator

Compare two credit cards under a specific usage pattern: annual fee, APR on carried balance, and rewards rate on monthly spend.

Compare Over (months)

Average Balance Carried ($)

Monthly Spend on the Card ($)

Card A Name

Card A Annual Fee ($)

Card A APR (%)

Card A Rewards (%)

Card B Name

Card B Annual Fee ($)

Card B APR (%)

Card B Rewards (%)

Limitations: Interest approximation uses average-balance × APR. Actual billing is daily-balance; introductory 0% APR promos, balance-transfer fees, and category-specific rewards all change real cost. Use as a directional check, not a legal cost quote.

What to do next: If you carry a balance, APR dominates — rewards rate rarely offsets 20%+ APR. If you pay in full monthly, rewards and annual fee dominate.