Estimate interest charges, cash advance costs, balance transfer fees, foreign transaction fees, late fees and annual fee value — all in one clear calculator. Built for cardholders, not marketers.
These figures are estimates. Actual fees and interest depend on your card issuer's cardmember agreement.
Each tool targets one specific fee so you can dig into the numbers that matter for your card and spending pattern.
Estimate monthly interest from APR, balance and billing days.
OpenAdvance fee + daily interest from ATM or cash-like transactions.
OpenTransfer fee, intro APR savings and payoff timeline.
OpenConvert currency and add issuer foreign-transaction fees.
OpenVisa-style FX conversion with optional issuer fee.
OpenAmex FX conversion and foreign-transaction fee estimate.
OpenFlat late fee plus interest for days late.
OpenIs the annual fee worth it vs. rewards and credits?
OpenAny % fee or merchant surcharge on a transaction.
OpenChoose the calculator that matches the charge you're trying to understand — interest, cash advance, foreign transaction, late fee and more.
Plug in your balance, APR, or purchase amount. The built-in defaults reflect common issuer terms in the United States.
Results appear instantly with the total cost, individual components, and a plain-English explanation of the formula.
Credit cards can carry many charges. Knowing what each fee is — and when it applies — helps you avoid surprise costs and pick the right card for your life.
Charged on balances you don't pay in full by the due date. Based on your APR and average daily balance.
A combined up-front fee and daily interest when you take cash against your credit line.
A one-time percentage fee, usually 3–5%, charged when moving debt from another card.
A small percentage added to purchases abroad or in foreign currencies — often 1–3%.
A flat penalty if you miss your due date, often stacked on top of added interest.
A yearly charge to hold the card. Premium cards may offset the fee with rewards and credits.
Credit card issuers are legally required to disclose fees, but the math is rarely easy to read. Our calculators do the arithmetic in plain English so you can compare cards, plan payments and avoid surprise charges.
Spot costly fees before they hit your statement.
See how interest changes with different payment amounts.
Know exactly what a trip abroad will cost on your card.
Evaluate annual fees against real rewards value.
Results are estimates for educational purposes only. Actual fees and interest depend on your card issuer's terms. Always check your cardmember agreement.