Credit Card Fee & Cost Calculator

Free credit education and tools from Rebuild Credit Today.

Free Tool · Rebuild Credit Today

Credit Card Fee & Cost Calculator

See the real annual cost of a credit card — interest, fees, and rewards — before you decide to keep or apply for it.

First Name

Email Address

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Step 1 of 2

Tell us about the card

Fill in what you know — leave fields at 0 if they don’t apply.

Balance & Interest

Current balance

APR (interest rate)

Monthly payment you plan to make

Used to estimate payoff time and interest paid.

Fees

Annual fee

Late fee (per occurrence)

Expected late payments per year

Foreign transaction fee

Annual spend abroad

Cash advance fee

Annual cash advance amount

Rewards

Rewards / cashback rate

Annual spend on this card

Your Results

Here’s What This Card Really Costs

Time to Pay Off Balance

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Total Interest (Until Paid Off)

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Year 1 Cost Breakdown

Item	Amount

This calculator provides estimates for general educational purposes only based on the figures you enter and assumes a fixed APR, consistent monthly payments, and no new purchases added to the balance. It is not financial advice and actual costs from your card issuer may differ. Always refer to your cardholder agreement for exact terms.