Credit Card Comparison Calculator — Compare Rates, Fees & Rewards

Credit Card Comparison Calculator

Compare credit card offers side by side. Calculate interest costs, annual fees, rewards value, and find the best card for your spending habits.

Card 1 Details

%
%

Card Details

Enter the specific details of your first credit card offer for accurate comparison. Include any introductory APR periods if applicable.

Card 2 Details

%
%

Spending Habits

Your monthly spending and whether you carry a balance significantly impact which card offers better value. Be honest for accurate results.

Credit Card Comparison Results

Summary
Cost Breakdown
Card Details

Best Value Card

Travel Rewards Card
Annual Savings: $127.50
Annual Interest Cost
Card 1: $283.50
Annual Rewards Value
Card 1: $270.00
Net Annual Cost
Card 1: $108.50
Payoff Time (Balance)
Card 1: 4.2 years

5-Year Cost Projection

Cost Comparison Table

Year Travel Rewards Card Low Interest Card Difference

Card Comparison Details

Travel Rewards Card
Travel
Annual Percentage Rate (APR)
18.9%
Annual Fee
$95.00
Rewards Rate
1.5% Cash Back
Annual Interest Cost
$283.50
Annual Rewards Value
$270.00
Net Annual Cost
$108.50
Low Interest Card
Low Interest
Annual Percentage Rate (APR)
12.9%
Annual Fee
$0.00
Rewards Rate
1.0% Cash Back
Annual Interest Cost
$193.50
Annual Rewards Value
$180.00
Net Annual Cost
$13.50
BEST VALUE

How to Interpret Results

The “Best Value” card has the lowest net annual cost (Interest + Fees – Rewards Value). If you carry a balance, lower APR cards often provide better value despite lower rewards rates.

Related Financial Calculators

Need Professional Financial Advice?

Connect with our certified financial advisors for personalized credit card recommendations, debt management strategies, and financial planning services.

Get Financial Consultation