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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®-Double Cash Back your first year
Apply Now
Credit Needed:
Excellent

Discover it®-Double Cash Back your first year


Editor's Rating:5 Stars
  • Double all the cash back you've earned at the end of your first year automatically - only for new cardmembers*
  • 5% cash back in categories that change each quarter like gas, restaurants, Amazon.com and more -up to the quarterly maximum when you sign up.* 1% cash back on all other purchases.
  • 0% intro APR on balance transfers for 18 months--then a variable purchase APR applies, currently 10.99% - 22.99%. A 3% fee applies to each transferred balance.
  • New Freeze ItSM on/off switch lets you prevent new purchases, cash advances & balance transfers on misplaced cards in seconds by mobile app & online.*
  • Free FICO® Credit Score on statements, online & by mobile app.* And 100% U.S.-based service any time.
  • No annual fee. No overlimit fee. No foreign transaction fee. No late fee on first late payment & paying late won't raise your APR.*
  • Each Discover purchase is monitored. If it's unusual, you're alerted by e-mail, phone or text and never responsible for unauthorized purchases on your Discover card.
  • *See rates, rewards, free FICO® Credit Score terms & other info by clicking "Apply."
Apply online forDiscover it® card-Double Cash Back your first year
Apply Now
Credit Needed:
Excellent

Discover it® card-Double Cash Back your first year


Editor's Rating:4 Stars
  • Double all the cash back you've earned at the end of your first year automatically - only for new cardmembers*
  • 5% cash back in categories that change each quarter like gas, restaurants, Amazon.com and more -up to the quarterly maximum when you sign up.* 1% cash back on all other purchases.
  • 0% intro APR on purchases & balance transfers for 12 months--then a variable purchase APR applies, currently 10.99% - 22.99%. A 3% fee applies to each transferred balance.
  • New Freeze ItSM on/off switch lets you prevent new purchases, cash advances & balance transfers on misplaced cards in seconds by mobile app & online.*
  • Free FICO® Credit Score on statements, online & by mobile app.* And 100% U.S.-based service any time.
  • No annual fee. No overlimit fee. No foreign transaction fee. No late fee on first late payment & paying late won't raise your APR.*
  • Each Discover purchase is monitored. If it's unusual, you're alerted by e-mail, phone or text and never responsible for unauthorized purchases on your Discover card.
  • *See rates, rewards, free FICO® Credit Score terms & other info by clicking "Apply."
Apply online forPenFed Promise Visa® Card
Apply Now
Credit Needed:
Excellent

PenFed Promise Visa® Card


Editor's Rating:4 Stars
  • For a Limited Time: Earn a $100 Bonus Statement Credit when you spend $1,500 on purchases in the first 90 days from account opening
  • No annual fee
  • No foreign transaction fee
  • No balance transfer fee
  • No late fee
  • No penalty APR
  • APR for Purchases and Cash Advances - 7.99% to 16.99% APR when you open your account, based on your creditworthiness. Your APR will vary with the market based on the Prime Rate.
  • APR for Balance Transfers - 4.99% APR promotional balance transfer rate for 12 Months on balance transfers made between July 15, 2015 - August 31, 2015. After that, the APR for the unpaid balance and any new balance transfers will be 7.99% to 16.99% based on your creditworthiness and will vary with the market based on the Prime Rate. This transaction is subject to credit approval.
  • Chip Enabled for Added Security
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 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® Credit 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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