PRACTICAL TOOLS

Run the numbers yourself.

Illustrations to help you ask better questions. Actual card terms and interest calculations can differ.

REWARDS

Rewards after annual fee

Assumes a single flat reward rate on all eligible spending for 12 months.

Monthly eligible spending ($)Reward rate (%)Annual fee ($)

Estimated annual rewards after fee—

Excludes bonus categories, caps, redemption values and other charges.

PAYOFF

Balance payoff illustration

Assumes a fixed monthly payment, a constant APR, no new charges and monthly interest at APR ÷ 12.

Current balance ($)APR (%)Monthly payment ($)

Illustrative payoff—

Issuers often calculate interest using daily balances, so actual charges and timing may differ.

Use current terms

These estimates are educational and do not predict approval, a credit score or your exact bill. Check the issuer agreement and your statements. The CFPB credit card resources ↗ explain key terms and costs.