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Question: How much could I save with a lower interest credit card?

Enter your current credit card balance, then the interest rate of the credit card you have now and the interest rate on the new card for which you are considering applying. Finally, choose the time period for which you want to see your potential savings and hit "Calculate" for the total. (Remember that this calculator does not include any credit card purchases you might make in the future, only the amount you could save on interest charges given your current balance.)

What is the balance on your current credit card?
What is the interest rate (shown as APR on your credit card statement) of your current credit card?
 %
What is the interest rate (APR) of the credit card you may apply for?
 %
For what period of time would you like to see savings with the new credit card?
Calculate
Find the Best Low Interest Credit Card
Compare these low interest rate card offers from top banks and start saving now.
Apply online forDiscover it®
Apply Now
Credit Needed:
Excellent

Discover it®


Editor's Rating:5 Stars
  • Fair. No annual fee. No overlimit fee. No foreign transaction fee. Pay up to midnight ET online or by phone on your due date without a fee. Plus, paying late won't raise your APR.*
  • Generous. 5% cash back at Home Improvement Stores, Furniture Stores and Bed Bath & Beyond® on up to $1,500 in purchases from April through June 2014.*
  • Human. 100% U.S.-based customer service available any time.
  • Safe. Because you're never responsible for unauthorized charges with our $0 Fraud Liability Guarantee.
  • Plus, free FICO® Credit Score on your monthly statement to help you stay on top of your credit.*
  • 0% Intro APR* on balance transfers for 18 months. Then the variable purchase APR applies, currently 10.99% - 22.99%. A fee of 3% applies for each balance transferred.
  • 0% Intro APR* on purchases for 6 months. Then the variable purchase APR applies, currently 10.99% - 22.99%.
  • *Click "Apply" to see rates, rewards, and free FICO® Credit Score terms and other information.
Apply online forDiscover it® card
Apply Now
Credit Needed:
Excellent

Discover it® card


Editor's Rating:4 Stars
  • Fair. No annual fee. No overlimit fee. No foreign transaction fee. Pay up to midnight ET online or by phone on your due date without a fee. Plus, paying late won't raise your APR.*
  • Generous. 5% cash back at Home Improvement Stores, Furniture Stores and Bed Bath & Beyond® on up to $1,500 in purchases from April through June 2014.*
  • Human. 100% U.S.-based customer service available any time.
  • Safe. Because you're never responsible for unauthorized charges with our $0 Fraud Liability Guarantee.
  • Plus, free FICO® Credit Score on your monthly statement to help you stay on top of your credit.*
  • 0% Intro APR* on purchases and balance transfers for 14 months. Then the variable purchase APR applies, currently 10.99% - 22.99%. A fee of 3% applies for each balance transferred.
  • *Click "Apply" to see rates, rewards, and free FICO® Credit Score terms and other information.
Apply online forCiti Simplicity® Visa® Card
Apply Now
Credit Needed:
Excellent

Citi Simplicity® Visa® Card


Editor's Rating:4 Stars
  • 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the variable APR will be 12.99% - 21.99% based on your creditworthiness.
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
  • No late fees - EVER
  • No penalty rate - EVER
  • No annual fee - EVER
  • Save time when you call with fast, personal help, 24 hours a day.
Apply online forCiti® Diamond Preferred® Card
Apply Now
Credit Needed:
Excellent

Citi® Diamond Preferred® Card


Editor's Rating:5 Stars
  • Get 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the APR will be 11.99%-21.99% based upon your creditworthiness.*
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer.
  • Citi® Easy DealsSM Get what you want for less. Earn Citi Easy Deals Points for the purchases you make with your card. Redeem your points for great online deals on name-brand merchandise, gift cards and even local deals.
  • Let our 24/7 concierge service help book your hotel rooms, flights and more.
  • $0 liability on unauthorized purchases and Citi® Identity Theft Solutions.
  • No annual fee*
Apply online forBarclaycard® Rewards MasterCard® - Average Credit
Apply Now
Credit Needed:
Average/Fair

Barclaycard® Rewards MasterCard® - Average Credit


Editor's Rating:5 Stars
  • No annual fee
  • Earn 2 points per $1 on gas, grocery, and utility purchases and 1 point per $1 everywhere else
  • Use the points you earn like cash to pay for almost any purchases you've made.
  • No blackout date, no redemption fees, no limit on the points you can earn and no complicated set up.
  • Reports to all 3 major credit bureaus monthly providing you the opportunity to rebuild your credit score
  • Complimentary FICO® Scores as a benefit to active card members. Opt-in to have instant and convenient access to FICO® Scores from your Barclaycard online account.
Apply online forCiti ThankYou® Preferred Card - Low Intro APRs
Apply Now
Credit Needed:
Excellent

Citi ThankYou® Preferred Card - Low Intro APRs


Editor's Rating:4 Stars
  • Enjoy 0% Intro APR on Balance Transfers and Purchases for 15 months. After that, the variable APR will be 12.99% - 22.99% based upon your creditworthiness*
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater*
  • 2 ThankYou Points per dollar spent on dining at restaurants and entertainment
  • 1 ThankYou Point on other purchases.
  • Points do not expire and earn unlimited Thank You Points
  • Redeem ThankYou Points for merchandise, travel rewards, gift cards, cash and more
  • Travel with ease and enjoy global acceptance with Chip Technology
  • No annual fee*
Apply online forCiti Simplicity® Card
Apply Now
Credit Needed:
Excellent

Citi Simplicity® Card


Editor's Rating:5 Stars
  • 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the variable APR will be 12.99% - 21.99% based on your creditworthiness.
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
  • No late fees - EVER
  • No penalty rate - EVER
  • No annual fee - EVER
  • Save time when you call with fast, personal help, 24 hours a day.
Apply online forCiti® Dividend Platinum Select® Visa® Card
Apply Now
Credit Needed:
Excellent

Citi® Dividend Platinum Select® Visa® Card


Editor's Rating:5 Stars
  • Earn $100 cash back after $500 in purchases within the first 3 months of account opening
  • Earn 5% cash back every quarter in must-have categories. Right now, on purchases at The Home Depot®, home furnishing and home and garden stores from 4/1/14 through 6/30/14.
  • Enrollment each quarter is quick and easy
  • Earn 1% cash back on all other purchases.
  • The total cash back earned with the card is $300 per calendar year, excluding the $100 cash back with this offer. See Citi Dividend Card Reward Program Information.
  • 0% Intro APR on Purchases and Balance Transfers for 12 months. After that, the APR will be 12.99%-22.99% variable based on your creditworthiness*
  • No Annual Fee*
  • Click Apply Now to see pricing details
Apply online forMutual of Omaha Bank Platinum Rewards MasterCard®
Apply Now
Credit Needed:
Excellent

Mutual of Omaha Bank Platinum Rewards MasterCard®


Editor's Rating:5 Stars
  • 5000 Reward Points bonus on first purchase
  • 2X Rewards for First 60 days
  • $1 purchase = 1 reward point
  • Points redemption in Merchandise, Travel, Cash Back
  • No Balance Transfer Fee
  • Low APR
  • No Annual Fee
  • No Penalty APR
  • No Overlimit Fee
    Apply online forPenFed Promise Visa® Card
    Apply Now
    Credit Needed:
    Excellent

    PenFed Promise Visa® Card


    Editor's Rating:4 Stars
    • No annual fee
    • No foreign transaction fee
    • No balance transfer fee
    • No late fee
    • No penalty APR
    • APR for Purchases - 7.49% introductory APR for 36 months. After that, your APR will vary with the market based on the Prime Rate, and is currently 9.99%.
    • APR for Cash Advances - 9.99%. Your APR will vary with the market based on the Prime Rate.
    • APR for Balance Transfers - 4.99% promotional rate for 48 Months on transfers made from April 01, 2014 through June 30, 2014 with no balance transfer fee. After that, the APR for any new balance transfers will be 9.99% and will vary with the market based on the Prime Rate. This transaction is subject to credit approval.
    Apply online forBarclaycard® Ring MasterCard®
    Apply Now
    Credit Needed:
    Excellent

    Barclaycard® Ring MasterCard®


    Editor's Rating:5 Stars
    • No Balance Transfer Fees - start saving immediately!
    • A low 8% variable APR on balance transfers and purchases
    • No Annual Fees
    • Choose your card benefits and features
    • Get rewarded through the new Giveback program, where Barclaycard Ring members get money back for good performance
    • Get exclusive access to our online community and vote on the card features you like and view the financials of the Barclaycard Ring MasterCard online
    • Learn more about personal finance from Barclaycard and other members
    • Complimentary FICO® Scores as a benefit to active cardmembers. Opt-in to have instant and convenient access to FICO® Scores from your Barclaycard online account.
    IndexCreditCards.com is not a lender service and does not issue credit cards, charge cards or any other credit products. IndexCreditCards.com contains links to third party websites which have paid for a link to their website. Offers are subject to change without notice and the terms displayed may not be available to all consumers. Please verify all terms and conditions and restrictions of any credit card, charge card or other credit type product prior to applying.

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