Credit Card Interest Calculator

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if you're Pre-approved"/></a> </li> <li> <a href="/credit-cards/?ICMPGN=SUBNAV_CCP_ALL" target="_self" data-lazy="true"> <img alt="Three Discover It Cards Stacked" class="allCardImg cardImg" data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/cardart/cardart-header-allcards-67-60.png"/> <div>All Credit Cards</div> </a> </li> <li> <a href="https://www.discover.com/credit-cards/cash-back/it-card.html?ICMPGN=SUBNAV_CCP_IT" target="_self" data-lazy="true"> <img class="cardImg" alt="Discover it® Cash Back Credit Card" data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/cardart/cardart-header-cash-back-it-67-60.webp"/> <div>Discover it® Cash Back<span class="short_disc">Earn cash back rewards</span> </div> </a> </li> <li> <a href="https://www.discover.com/credit-cards/student-credit-card/it-card.html?ICMPGN=SUBNAV_CCP_STUDENT_IT" target="_self" data-lazy="true"> <img class="cardImg" alt="Discover it® Student Cash Back Credit Card" data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/cardart/cardart-header-student-it-67-60.webp"/> <div>Discover it® Student Cash Back<span class="short_disc">Start building credit in college</span> </div> </a> </li> <li> <a href="https://www.discover.com/credit-cards/student-credit-card/chrome-card.html?ICMPGN=SUBNAV_CCP_STUDENT_CHROME" target="_self" data-lazy="true"> <img class="cardImg" alt="Discover it® Student Chrome Credit Card" data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/cardart/cardart-header-student-chrome-67-60.webp"/> <div>Discover it® Student Chrome<span class="short_disc">Earn restaurant & gas rewards as a student</span> </div> </a> </li> <li> <a href="/credit-cards/secured-credit-card/?ICMPGN=SUBNAV_CCP_SECURED" target="_self" data-lazy="true"> <img class="cardImg" alt="Discover it® Secured Credit Card" data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/cardart/cardart-header-secured-it-67-60.webp"/> <div>Discover it® Secured<span class="short_disc">Build or rebuild your credit</span> </div> </a> </li> <li> <a href="/credit-cards/travel/?ICMPGN=SUBNAV_CCP_MILES" target="_self" data-lazy="true"> <img class="cardImg" alt="Discover it® Miles Travel Credit Card blue design" data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/cardart/cardart-header-miles-67-60.webp"/> <div>Discover it® Miles<span class="short_disc">Explore with the travel rewards credit card</span> </div> </a> </li> <li> <a href="https://www.discover.com/credit-cards/cash-back/chrome.html?ICMPGN=SUBNAV_CCP_IT_CHROME" target="_self" data-lazy="true"> <img class="cardImg" alt="Discover it® Chrome Gas and Restaurants Credit Card" data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/cardart/cardart-header-chrome-it-67-60.webp"/> <div>Discover it® Chrome<span class="short_disc">Earn restaurant & gas rewards</span> </div> </a> </li> <li> <a href="https://www.discover.com/credit-cards/cash-back/nhl-card.html?ICMPGN=SUBNAV_CCP_NHL" target="_self" data-lazy="true"> <img class="cardImg" alt="NHL® Discover it® Credit Card" data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/cardart/cardart-header-nhl-67-60.webp"/> <div>NHL Credit Card<span class="short_disc">Represent your team & earn cash back</span> </div> </a> </li> </ul> </li> <li class="heading_li withArrow" data-src="cards-1"> <a href="javascript:void(0)" class="credit-list-opener new_menu preventDefaultBehaviour" data-analytics-label="subnav_ccf" id="expand_menu_icon" aria-expanded="false"> <span>Credit Cards by Feature</span><em class="plus-icon"></em></a> <ul class="credit-card-list sec-nav-mobile" role="list"> <li class="preapprovedImg"> <a href="https://www.discovercard.com/application/preapproval/initial?ICMPGN=SUBNAV_CCF_PQ" data-lazy="true" target="_self"> <img class="panel-banner-image" data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/cardart/cardart-header-small-card-351-103.png?imbypass=true" alt="Click this banner to see if you're Pre-approved"/></a> </li> <li> <a href="https://www.discover.com/credit-cards/?ICMPGN=SUBNAV_CCF_ALL" target="_self" data-lazy="true"> <img class="allCardImg cardImg" data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/icons/icon-header-three-cards-32-25.svg"/> <div>All Credit Cards</div> </a> </li> <li class="cardImgli"> <a href="https://www.discover.com/credit-cards/cash-back/?ICMPGN=SUBNAV_CCF_CASHBACK" target="_self" data-lazy="true"> <img class="cardImgf" data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/icons/icon-header-dollor-match-28-24.svg"/> <div>Cash Back Credit Cards </div> </a> </li> <li class="cardImgli"> <a href="https://www.discover.com/credit-cards/balance-transfer-credit-cards/?ICMPGN=SUBNAV_CCF_BALANCE_TRANSFER" target="_self" data-lazy="true"> <img class="cardImgf" data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/icons/icon-header-transfer-32-25.svg"/> <div>Balance Transfer Credit Card Offers </div> </a> </li> <li class="cardImgli"> <a href="https://www.discover.com/credit-cards/student-credit-card/?ICMPGN=SUBNAV_CCF_COLLEGE_STUDENTS" target="_self" data-lazy="true"> <img class="cardImgf" alt="map icon" data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/icons/icon-header-student-32-25.svg"/> <div> Credit Cards for College Students </div> </a> </li> <li class="cardImgli"> <a href="https://www.discover.com/credit-cards/credit-cards-for-no-credit/?ICMPGN=SUBNAV_CCF_CREDIT_CARDS_FOR_NO_CREDIT" target="_self" data-lazy="true"> <img class="cardImgf" data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/icons/icon-header-checkmark-28-24.svg"/> <div>Credit Cards for No Credit History </div> </a> </li> <li class="cardImgli"> <a href="/credit-cards/secured-credit-card/credit-cards-to-build-credit/?ICMPGN=SUBNAV_CCF_BUILD_CREDIT" target="_self" data-lazy="true"> <img class="cardImgf" data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/icons/icon-header-fico-32-25.svg"/> <div>Credit Cards to Build Credit </div> </a> </li> <li class="cardImgli"> <a href="https://www.discover.com/credit-cards/no-annual-fee-credit-cards/?ICMPGN=SUBNAV_CCF_NO_ANNUAL_FEE" target="_self" data-lazy="true"> <img class="cardImgf" data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/icons/icon-header-zero-32-25.svg"/> <div>No Annual Fee Credit Cards </div> </a> </li> <li class="cardImgli"> <a href="https://www.discover.com/credit-cards/rewards-credit-cards/?ICMPGN=SUBNAV_CCF_REWARS_CREDIT_CARDS" target="_self" data-lazy="true"> <img class="cardImgf" data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/icons/icon-header-rewards-32-25.svg"/> <div>Rewards Credit Cards </div> </a> </li> <li class="cardImgli"> <a href="https://www.discover.com/credit-cards/low-intro-apr-credit-cards/?ICMPGN=SUBNAV_CCF_LOW_INTEREST" target="_self" data-lazy="true"> <img class="cardImgf" data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/icons/icon-header-rate-down-32-25.svg"/> <div> Low Interest Credit Cards </div> </a> </li> <li class="cardImgli"> <a href="https://www.discover.com/credit-cards/gas-credit-cards/?ICMPGN=SUBNAV_CCF_GAS_CREDIT_CARDS" target="_self" data-lazy="true"> <img class="cardImgf" data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/icons/icon-header-gas-32-25.svg"/> <div>Gas Credit Cards </div> </a> </li> <li class="cardImgli"> <a href="https://www.discover.com/credit-cards/instant-use-credit-cards/?ICMPGN=SUBNAV_CCF_INSTANT_USE_CREDIT_CARDS" target="_self" data-lazy="true"> <img class="cardImgf" data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/icons/icon-header-instant-use-24-26.svg"/> <div>Instant Use Credit Cards </div> </a> </li> </ul> </li> <li class="heading_li withArrow" data-src="cards-1"> <a href="javascript:void(0)" class="credit-list-opener new_menu preventDefaultBehaviour" data-analytics-label="subnav_tar" id="expand_menu_icon" aria-expanded="false"> <span>Tools and Resources</span><em class="plus-icon"></em></a> <ul class="credit-card-list sec-nav-mobile" role="list"> <li class="preapprovedImg"> <a href="https://www.discovercard.com/application/preapproval/initial?ICMPGN=SUBNAV_TAR_PQ" data-lazy="true" target="_self"> <img class="panel-banner-image" data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/cardart/cardart-header-small-card-351-103.png?imbypass=true" alt="Click this banner to see if you're Pre-approved"/></a> </li> <li> <a href="https://www.discover.com/credit-cards/?ICMPGN=SUBNAV_TAR_ALL" target="_self" data-lazy="true"> <img class="allCardImg cardImg" data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/icons/icon-header-three-cards-32-25.svg"/> <div>All Credit Cards</div> </a> </li> <li class="cardImgli"> <a href="https://www.discover.com/credit-cards/calculator/credit-card-interest-calculator/?ICMPGN=SUBNAV_TAR_CALCULATOR" target="_self" data-lazy="true"> <img class="cardImgf" data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/icons/icon-header-calculator-28-24.svg"/> <div>Credit Card Interest Calculator </div> </a> </li> <li class="cardImgli"> <a href="https://www.discovercard.com/application/website/invite?ICMPGN=SUBNAV_TAR_RESPOND_MAIL_OFFER&flavor=it&fpp=true&_ga=2.50907437.584696215.1676279870-557086243.1675411694" target="_self" data-lazy="true"> <img class="cardImgf" data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/icons/icon-header-mail-28-24.svg"/> <div>Respond to Mail Offer </div> </a> </li> <li class="cardImgli"> <a href="https://www.discovercard.com/application/self-service/?page=check-status&ICMPGN=SUBNAV_TAR_CHECK_APPLICATION_STATUS" target="_self" data-lazy="true"> <img class="cardImgf" data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/icons/icon-header-device-28-24.svg"/> <div>Check 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href="https://discover.promo.eprize.com/discoversweeps24/?ICMPGNid=site-sch-pro-dis-nav&affiliate_id=site-sch-pro-dis-nav" target="_self" data-lazy="true"> <img class="cardImgf" data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/icons/icon-header-student-32-25.svg"/> <div>Discover® Scholarship Sweepstakes </div> </a> </li> <li class="cardImgli"> <a href="https://www.discover.com/credit-cards/free-credit-score/#fico-score/?ICMPGN=SUBNAV_TAR_FREE_CREDIT_SCORE" target="_self" data-lazy="true"> <img class="cardImgf" data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/icons/icon-header-fico-32-25.svg"/> <div>Free Credit Score for Cardmembers </div> </a> </li> <li class="cardImgli"> <a href="https://www.discover.com/credit-cards/compare/?ICMPGN=SUBNAV_TAR_COMPARE" target="_self" data-lazy="true"> <img class="cardImgf" data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/icons/icon-header-two-cards-32-25.svg"/> <div>Compare Credit Cards </div> </a> </li> </ul> </li> </ul> <a href="#" class="custom-focus panel-ax-bottom">.</a> </nav>  </div> </div> </header> <section id="navTabs" class="one-column-new earn-cashBack-comp scrolltracking"> <div class="one-column__background theme-background" style="opacity: calc(100 / 100)"></div> <div class="one-column__container"> <div class="one-column__container__parsys parsys-content">  <div class="tabs"> <ul class="tabs-list"> <li> <div class="titleWrapper"> <a href="javascript:void(0)" data-analytics-label="subnav_ccp" data-href="#tab1">Credit Card Products</a> <div id="tab1" class="tab"> <div class="navTabContent">  <div class="navTabSection"> <a aria-label="Credit Card Pre-approval" href="https://www.discovercard.com/application/preapproval/initial?ICMPGN=SUBNAV_CCP_PQ" target="_self" data-lazy="true"> <img class="panel-banner-image" alt="Click this banner to see if you're Pre-approved" data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/cardart/cardart-header-small-cards-266-102.png?imbypass=true"/> </a> <ul class="nav_element allCardDesktop"> <li class="nav_element-img card" data-lazy="true"> <img alt="Three Discover It Cards Stacked" data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/cardart/cardart-header-allcards-67-60.png"/> </li> <li class="nav_element-text"> <a href="/credit-cards/?ICMPGN=SUBNAV_CCP_ALL" target="_self">All Credit Cards</a> </li> </ul> </div> <div class="navTabSection "> <ul class="nav_element"> <li class="nav_element-img cardart" data-lazy="true"> <img alt="Discover it® Cash Back Credit Card" data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/cardart/cardart-header-cash-back-it-67-60.webp"/> </li> <li class="nav_element-text"> <a href="https://www.discover.com/credit-cards/cash-back/it-card.html?ICMPGN=SUBNAV_CCP_IT" target="_self">Discover it® Cash Back</a> <span class="short_disc">Earn cash back rewards</span> </li> </ul> <ul class="nav_element"> <li class="nav_element-img cardart" data-lazy="true"> <img alt="Discover it® Student Cash Back Credit Card" data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/cardart/cardart-header-student-it-67-60.webp"/> </li> <li class="nav_element-text"> <a href="https://www.discover.com/credit-cards/student-credit-card/it-card.html?ICMPGN=SUBNAV_CCP_STUDENT_IT" target="_self">Discover it® Student Cash Back</a> <span class="short_disc">Start building credit in college</span> </li> </ul> <ul class="nav_element"> <li class="nav_element-img cardart" data-lazy="true"> <img alt="Discover it® Student Chrome Credit Card" data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/cardart/cardart-header-student-chrome-67-60.webp"/> </li> <li class="nav_element-text"> <a href="https://www.discover.com/credit-cards/student-credit-card/chrome-card.html?ICMPGN=SUBNAV_CCP_STUDENT_CHROME" target="_self">Discover it® Student Chrome</a> <span class="short_disc">Earn restaurant & gas rewards as a student</span> </li> </ul> </div> <div class="navTabSection "> <ul class="nav_element"> <li class="nav_element-img cardart" data-lazy="true"> <img alt="Discover it® Secured Credit Card" data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/cardart/cardart-header-secured-it-67-60.webp"/> </li> <li class="nav_element-text"> <a href="/credit-cards/secured-credit-card/?ICMPGN=SUBNAV_CCP_SECURED" target="_self">Discover it® Secured</a> <span class="short_disc">Build or rebuild your credit</span> </li> </ul> <ul class="nav_element"> <li class="nav_element-img cardart" data-lazy="true"> <img alt="Discover it® Miles Travel Credit Card blue design" data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/cardart/cardart-header-miles-67-60.webp"/> </li> <li class="nav_element-text"> <a href="/credit-cards/travel/?ICMPGN=SUBNAV_CCP_MILES" target="_self">Discover it® Miles</a> <span class="short_disc">Explore with the travel rewards credit card</span> </li> </ul> <ul class="nav_element"> <li class="nav_element-img cardart" data-lazy="true"> <img alt="Discover it® Chrome Gas and Restaurants Credit Card" data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/cardart/cardart-header-chrome-it-67-60.webp"/> </li> <li class="nav_element-text"> <a href="https://www.discover.com/credit-cards/cash-back/chrome.html?ICMPGN=SUBNAV_CCP_IT_CHROME" target="_self">Discover it® Chrome</a> <span class="short_disc">Earn restaurant & gas rewards</span> </li> </ul> </div> <div class="navTabSection "> <ul class="nav_element"> <li class="nav_element-img cardart" data-lazy="true"> <img alt="NHL® Discover it® Credit Card" data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/cardart/cardart-header-nhl-67-60.webp"/> </li> <li class="nav_element-text"> <a href="https://www.discover.com/credit-cards/cash-back/nhl-card.html?ICMPGN=SUBNAV_CCP_NHL" target="_self">NHL Credit Card</a> <span class="short_disc">Represent your team & earn cash back</span> </li> </ul> </div> </div> </div> </div> </li> <li> <div class="titleWrapper"> <a href="javascript:void(0)" data-analytics-label="subnav_ccf" data-href="#tab2">Credit Cards by Feature</a> <div id="tab2" class="tab"> <div class="navTabContent">  <div class="navTabSection"> <a aria-label="Credit Card Pre-approval" href="https://www.discovercard.com/application/preapproval/initial?ICMPGN=SUBNAV_CCF_PQ" target="_self" data-lazy="true"> <img class="panel-banner-image" alt="Click this banner to see if you're Pre-approved" data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/cardart/cardart-header-small-cards-266-102.png?imbypass=true"/> </a> <ul class="nav_element allCardDesktop"> <li class="nav_element-img card" data-lazy="true"> <img data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/icons/icon-header-three-cards-32-25.svg"/> </li> <li class="nav_element-text"> <a href="https://www.discover.com/credit-cards/?ICMPGN=SUBNAV_CCF_ALL" target="_self">All Credit Cards</a> </li> </ul> </div> <div class="navTabSection "> <ul class="nav_element"> <li class="nav_element-img icon" data-lazy="true"> <img data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/icons/icon-header-dollor-match-28-24.svg"/> </li> <li class="nav_element-text"> <a href="https://www.discover.com/credit-cards/cash-back/?ICMPGN=SUBNAV_CCF_CASHBACK" target="_self">Cash Back Credit Cards</a> </li> </ul> <ul class="nav_element"> <li class="nav_element-img icon" data-lazy="true"> <img data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/icons/icon-header-transfer-32-25.svg"/> </li> <li class="nav_element-text"> <a href="https://www.discover.com/credit-cards/balance-transfer-credit-cards/?ICMPGN=SUBNAV_CCF_BALANCE_TRANSFER" target="_self">Balance Transfer Credit Card Offers</a> </li> </ul> <ul class="nav_element"> <li class="nav_element-img icon" data-lazy="true"> <img alt="map icon" data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/icons/icon-header-student-32-25.svg"/> </li> <li class="nav_element-text"> <a href="https://www.discover.com/credit-cards/student-credit-card/?ICMPGN=SUBNAV_CCF_COLLEGE_STUDENTS" target="_self"> Credit Cards for College Students</a> </li> </ul> <ul class="nav_element"> <li class="nav_element-img icon" data-lazy="true"> <img data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/icons/icon-header-checkmark-28-24.svg"/> </li> <li class="nav_element-text"> <a href="https://www.discover.com/credit-cards/credit-cards-for-no-credit/?ICMPGN=SUBNAV_CCF_CREDIT_CARDS_FOR_NO_CREDIT" target="_self">Credit Cards for No Credit History</a> </li> </ul> </div> <div class="navTabSection "> <ul class="nav_element"> <li class="nav_element-img icon" data-lazy="true"> <img data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/icons/icon-header-fico-32-25.svg"/> </li> <li class="nav_element-text"> <a href="/credit-cards/secured-credit-card/credit-cards-to-build-credit/?ICMPGN=SUBNAV_CCF_BUILD_CREDIT" target="_self">Credit Cards to Build Credit</a> </li> </ul> <ul class="nav_element"> <li class="nav_element-img icon" data-lazy="true"> <img data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/icons/icon-header-zero-32-25.svg"/> </li> <li class="nav_element-text"> <a href="https://www.discover.com/credit-cards/no-annual-fee-credit-cards/?ICMPGN=SUBNAV_CCF_NO_ANNUAL_FEE" target="_self">No Annual Fee Credit Cards</a> </li> </ul> <ul class="nav_element"> <li class="nav_element-img icon" data-lazy="true"> <img data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/icons/icon-header-rewards-32-25.svg"/> </li> <li class="nav_element-text"> <a href="https://www.discover.com/credit-cards/rewards-credit-cards/?ICMPGN=SUBNAV_CCF_REWARS_CREDIT_CARDS" target="_self">Rewards Credit Cards</a> </li> </ul> <ul class="nav_element"> <li class="nav_element-img icon" data-lazy="true"> <img data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/icons/icon-header-rate-down-32-25.svg"/> </li> <li class="nav_element-text"> <a href="https://www.discover.com/credit-cards/low-intro-apr-credit-cards/?ICMPGN=SUBNAV_CCF_LOW_INTEREST" target="_self"> Low Interest Credit Cards</a> </li> </ul> </div> <div class="navTabSection "> <ul class="nav_element"> <li class="nav_element-img icon" data-lazy="true"> <img data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/icons/icon-header-gas-32-25.svg"/> </li> <li class="nav_element-text"> <a href="https://www.discover.com/credit-cards/gas-credit-cards/?ICMPGN=SUBNAV_CCF_GAS_CREDIT_CARDS" target="_self">Gas Credit Cards</a> </li> </ul> <ul class="nav_element"> <li class="nav_element-img icon" data-lazy="true"> <img data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/icons/icon-header-instant-use-24-26.svg"/> </li> <li class="nav_element-text"> <a href="https://www.discover.com/credit-cards/instant-use-credit-cards/?ICMPGN=SUBNAV_CCF_INSTANT_USE_CREDIT_CARDS" target="_self">Instant Use Credit Cards</a> </li> </ul> </div> </div> </div> </div> </li> <li> <div class="titleWrapper"> <a href="javascript:void(0)" data-analytics-label="subnav_tar" data-href="#tab3">Tools and Resources</a> <div id="tab3" class="tab"> <div class="navTabContent">  <div class="navTabSection"> <a aria-label="Credit Card Pre-approval" href="https://www.discovercard.com/application/preapproval/initial?ICMPGN=SUBNAV_TAR_PQ" target="_self" data-lazy="true"> <img class="panel-banner-image" alt="Click this banner to see if you're Pre-approved" data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/cardart/cardart-header-small-cards-266-102.png?imbypass=true"/> </a> <ul class="nav_element allCardDesktop"> <li class="nav_element-img card" data-lazy="true"> <img data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/icons/icon-header-three-cards-32-25.svg"/> </li> <li class="nav_element-text"> <a href="https://www.discover.com/credit-cards/?ICMPGN=SUBNAV_TAR_ALL" target="_self">All Credit Cards</a> </li> </ul> </div> <div class="navTabSection "> <ul class="nav_element"> <li class="nav_element-img icon" data-lazy="true"> <img data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/icons/icon-header-calculator-28-24.svg"/> </li> <li class="nav_element-text"> <a href="https://www.discover.com/credit-cards/calculator/credit-card-interest-calculator/?ICMPGN=SUBNAV_TAR_CALCULATOR" target="_self">Credit Card Interest Calculator</a> </li> </ul> <ul class="nav_element"> <li class="nav_element-img icon" data-lazy="true"> <img data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/icons/icon-header-mail-28-24.svg"/> </li> <li class="nav_element-text"> <a href="https://www.discovercard.com/application/website/invite?ICMPGN=SUBNAV_TAR_RESPOND_MAIL_OFFER&flavor=it&fpp=true&_ga=2.50907437.584696215.1676279870-557086243.1675411694" target="_self">Respond to Mail Offer</a> </li> </ul> <ul class="nav_element"> <li class="nav_element-img icon" data-lazy="true"> <img data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/icons/icon-header-device-28-24.svg"/> </li> <li class="nav_element-text"> <a href="https://www.discovercard.com/application/self-service/?page=check-status&ICMPGN=SUBNAV_TAR_CHECK_APPLICATION_STATUS" target="_self">Check Application Status</a> </li> </ul> </div> <div class="navTabSection "> <ul class="nav_element"> <li class="nav_element-img icon" data-lazy="true"> <img data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/icons/icon-header-paper-pen-28-24.svg"/> </li> <li class="nav_element-text"> <a href="https://www.discover.com/credit-cards/card-smarts/?ICMPGN=SUBNAV_TAR_CARD_SMARTS" target="_self">Card Smarts Articles</a> </li> </ul> <ul class="innerList"> <li> <a href="https://www.discover.com/credit-cards/card-smarts/getting-a-credit-card/?ICMPGN=SUBNAV_TAR_GETTING_A_CARD" target="_self">- Getting a credit card</a> </li> </ul> <ul class="innerList"> <li> <a href="https://www.discover.com/credit-cards/card-smarts/using-your-credit-card/?ICMPGN=SUBNAV_TAR_USING_YOUR_CARD" target="_self">- Using your credit card</a> </li> </ul> <ul class="innerList"> <li> <a href="https://www.discover.com/credit-cards/card-smarts/credit-card-rewards/?ICMPGN=SUBNAV_TAR_CARD_REWARDS" target="_self">- Credit card rewards</a> </li> </ul> </div> <div class="navTabSection "> <ul class="nav_element"> <li class="nav_element-img icon" data-lazy="true"> <img data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/icons/icon-header-student-32-25.svg"/> </li> <li class="nav_element-text"> <a href="https://discover.promo.eprize.com/discoversweeps24/?ICMPGNid=site-sch-pro-dis-nav&affiliate_id=site-sch-pro-dis-nav" target="_self">Discover® Scholarship Sweepstakes</a> </li> </ul> <ul class="nav_element"> <li class="nav_element-img icon" data-lazy="true"> <img data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/icons/icon-header-fico-32-25.svg"/> </li> <li class="nav_element-text"> <a href="https://www.discover.com/credit-cards/free-credit-score/#fico-score/?ICMPGN=SUBNAV_TAR_FREE_CREDIT_SCORE" target="_self">Free Credit Score for Cardmembers</a> </li> </ul> <ul class="nav_element"> <li class="nav_element-img icon" data-lazy="true"> <img data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/icons/icon-header-two-cards-32-25.svg"/> </li> <li class="nav_element-text"> <a href="https://www.discover.com/credit-cards/compare/?ICMPGN=SUBNAV_TAR_COMPARE" target="_self">Compare Credit Cards</a> </li> </ul> </div> </div> </div> </div> </li> </ul> </div>  </div> </div> </section> </div> </div> </div> </div> </div> </div> <div class="emergencybanner aem-GridColumn aem-GridColumn--default--12"> </div> <div class="responsivegrid aem-GridColumn aem-GridColumn--default--12"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="breadcrumb aem-GridColumn aem-GridColumn--default--12"> <nav class="cmp-breadcrumb cmp--mobile-hidden" aria-label="Breadcrumb"> <div class="cmp-breadcrumb__container section-container"> <ol class="cmp-breadcrumb__list" itemtype="http://schema.org/BreadcrumbList" itemscope=""> <li class="cmp-breadcrumb__item" itemtype="http://schema.org/ListItem" itemscope="" itemprop="itemListElement"> <a href="/" class="cmp-breadcrumb__item-link" itemprop="item"><span itemprop="name">Discover</span></a> <meta itemprop="position" content="1"/> <div class="cmp-breadcrumb__item-delimiter"/> </li> <li class="cmp-breadcrumb__item" itemtype="http://schema.org/ListItem" itemscope="" itemprop="itemListElement"> <a href="/credit-cards/" class="cmp-breadcrumb__item-link" itemprop="item"><span itemprop="name">Credit Cards</span></a> <meta itemprop="position" content="2"/> <div class="cmp-breadcrumb__item-delimiter"/> </li> <li class="cmp-breadcrumb__item" itemtype="http://schema.org/ListItem" itemscope="" itemprop="itemListElement"> <a href="/credit-cards/calculator/" class="cmp-breadcrumb__item-link" itemprop="item"><span itemprop="name">Credit Card Calculators</span></a> <meta itemprop="position" content="3"/> <div class="cmp-breadcrumb__item-delimiter"/> </li> <li class="cmp-breadcrumb__item cmp-breadcrumb__item--active" itemtype="http://schema.org/ListItem" itemscope="" itemprop="itemListElement"> <span itemprop="name">Credit Card Interest Calculator</span> <meta itemprop="position" content="4"/> <div class="cmp-breadcrumb__item-delimiter"/> </li> </ol> </div> </nav> </div> <div class="rawHTML aem-GridColumn aem-GridColumn--default--12"><div class="cmp-rawhtml "> <div><style> .calculatorWrap .field__input[name="paymentType"].focusEle + label span { outline: 1px solid #4d90fe !important; border-radius: 50%; } .calculatorWrap .field__radio{ padding: 1px 0 0 1px; } </style> <section class="calculator-wrapper" role="main"> <div class="calculator"> <h1 class="calculator_heading">Credit Card Interest Calculator</h1> <div class="normal-description-text"> Calculate the credit card interest you'll owe for a given balance and interest rate. Choose your monthly payment and learn the payoff time, or enter the payoff time to calculate the monthly payment amount. </div> <div class="calculator__errors" tabindex="-1" aria-hidden="true"> <div class="icon icon--error"></div> <strong>Please fix the errors below</strong> <p>Information within the form is either missing or incorrect:</p> <ul></ul> </div> <form class="calculator__form"> <div class="row form-container"> <div class="col-lg-12"> <legend class="sr-only">Payoff Calculator</legend> <div class="field-container calculatorWrap"> <div class="field-group field-group--pull"> <div class="field-group__legend"> Choose how you'd like to calculate: </div> <div class="field-group__field field field--radio-group"> <div class="field__radio"> <input type="radio" id="monthlyPaymentSelector" name="paymentType" class="field__input" value="monthlyPayment" checked="" aria-describedby="calculateMethodMonthlyLabel" aria-required="true" aria-invalid="false"> <label class="field__label" for="monthlyPaymentSelector" id="calculateMethodMonthlyLabel"><span class="radioSkip"></span>By monthly payment</label> </div> <div class="field__radio"> <input type="radio" id="payoffPeriodSelector" name="paymentType" class="field__input" value="payoffPeriod" aria-describedby="calculateMethodMonthsLabel" aria-required="true" aria-invalid="false"> <label class="field__label" for="payoffPeriodSelector" id="calculateMethodMonthsLabel"><span class="radioSkip"></span>By months to pay off</label> </div> </div> </div> <div class="field-group"> <div class=" field-group__field field field--prefixed text-input-wrapper "> <span class="field__input-prefix">$</span> <input type="tel" pattern="[0-9,]*" class="field__input field-group__input" id="balance" value="" data-validation="money" data-restrict="dollar" maxlength="6" aria-required="true" aria-invalid="false"> <label class="field__label" for="balance">Balance</label> </div> <div class="errorWrap"> <div class="field-group__icon icon icon--error"></div> <div class="field-group__message" role="alert" aria-live="polite"></div> </div> </div> <div class="field-group"> <div class=" field-group__field text-input-wrapper field field--suffixed "> <input type="tel" pattern="[0-9.]*" class="field__input field-group__input" id="interestRate" placeholder="0" data-validation="interest" data-restrict="interest" maxlength="5" aria-describedby="interestLabel" aria-required="true" aria-invalid="false"> <label class="field__label" for="interestRate" id="interestLabel">Interest Rate (APR)</label> <span class="field__input-suffix">%</span> </div> <div class="errorWrap"> <div class="field-group__icon icon icon--error"></div> <div class="field-group__message" role="alert" aria-live="polite"></div> </div> </div> <div class="field-group"> <div class=" field-group__field text-input-wrapper dollar-input-wrapper field field--prefixed field--monthlyPayment " aria-hidden="false"> <div class="dollar-input"> <span class="field__input-prefix">$</span> <input type="tel" pattern="[0-9,]*" class="field__input field-group__input" id="monthlyPayment" value="" placeholder="0" data-validation="money" data-restrict="dollar" maxlength="6" aria-describedby="monthlyPaymentLabel" aria-required="true" aria-invalid="false"> <label class="field__label" for="monthlyPayment" id="monthlyPaymentLabel">Monthly Payment</label> </div> </div> <div class=" field-group__field text-input-wrapper dollar-input-wrapper field field--suffixed field--payoffPeriod " aria-hidden="true">  <span class="dollar-input"><input type="tel" pattern="[0-9]*" class="field__input field-group__input" id="payoffPeriod" value="" placeholder="0" data-restrict="number" maxlength="2" aria-describedby="payoffPeriodLabel" aria-required="true" aria-invalid="false"><span class="field__input-suffix"><abbr title="months">mo.</abbr></span></span> <label class="field__label" for="payoffPeriod" id="payoffPeriodLabel">Months to Pay Off</label> </div> <div class="errorWrap"> <div class="field-group__icon icon icon--error"></div> <div class="field-group__message" role="alert" aria-live="polite"></div> </div> </div> </div> <div class="cta"> <button type="submit" class="button cta__button" onclick="s.linkTrackVars=s.linkTrackVars+',prop1';s.prop1='CC_INTCALC_CALC';s.tl(this,'o',s.prop1);"> Calculate </button>  <button class="button cta__button button--reset" data-reset="" data-anchor="" onclick="s.linkTrackVars=s.linkTrackVars+',prop1';s.prop1='CC_INTCALC_RESET';s.tl(this,'o',s.prop1);"> Reset </button> </div> </div> </div> <p class="calculator__disclaimer sr-only"> This calculator is just an educational tool and your results may vary depending on your situation. </p> </form> <div class="calculator__results"> <div class="sr-only calculator__announcement" aria-live="assertive"></div> <div class="results"> <div class="resultTop"> <div class="results__result result"> <div class="result__label">Months to pay off</div> <div class="result__value result__value--payoffPeriod"> <span class="result__num" data-num="payoffPeriod" data-default="0">0</span><sub><abbr title="months">mo.</abbr></sub> </div> </div> <div class="results__result result"> <div class="result__label">Monthly payment</div> <div class="result__value result__value--monthlyPayment"> <sup>$</sup><span class="result__num" data-num="monthlyPayment" data-default="0.00">0.00</span> </div> </div> <div class=" results__result results__result--graph result result--graph "> <div class="result__label mobileOnly"> Total Interest Paid: </div> <div class="result__chart-wrapper"> <div id="chart" class="result__chart" data-highcharts-chart="0" role="region" aria-label="Chart. Highcharts interactive chart." aria-hidden="false" style="overflow: hidden;"><div id="highcharts-information-region-0" role="region" aria-label="Chart screen reader information." aria-hidden="false" style="position: absolute; width: 1px; height: 1px; overflow: hidden;"><h5>Pie chart with 3 slices.</h5></div><h6 aria-hidden="false" style="position: absolute; width: 1px; height: 1px; overflow: hidden;">Chart graphic.</h6><div aria-hidden="false" aria-live="polite" style="position: absolute; width: 1px; height: 1px; overflow: hidden;"></div><div id="highcharts-zggcic2-0" dir="ltr" class="highcharts-container " style="position: relative; overflow: hidden; width: 160px; height: 160px; text-align: left; line-height: normal; z-index: 0; -webkit-tap-highlight-color: rgba(0, 0, 0, 0);" tabindex="0" aria-hidden="false"><svg version="1.1" class="highcharts-root" style="font-family:"Lucida Grande", "Lucida Sans Unicode", Arial, Helvetica, sans-serif;font-size:12px;" xmlns="http://www.w3.org/2000/svg" width="160" height="160" viewBox="0 0 160 160" aria-label="Interactive chart" aria-hidden="false"><desc aria-hidden="true">Created with Highcharts 7.2.0</desc><defs aria-hidden="true"><clipPath id="highcharts-zggcic2-4-"><rect x="0" y="0" width="160" height="160" fill="none"></rect></clipPath></defs><rect fill="#ffffff" class="highcharts-background" x="0" y="0" width="160" height="160" rx="0" ry="0" aria-hidden="true"></rect><rect fill="none" class="highcharts-plot-background" x="0" y="0" width="160" height="160" aria-hidden="true"></rect><rect fill="none" class="highcharts-plot-border" data-z-index="1" x="0" y="0" width="160" height="160" aria-hidden="true"></rect><g class="highcharts-series-group" data-z-index="3" aria-hidden="false"><g data-z-index="0.1" class="highcharts-series highcharts-series-0 highcharts-pie-series " transform="translate(0,0) scale(1 1)" aria-hidden="false" aria-label=""><path fill="#ed6b29" d="M 79.98574287574134 10.000001451897106 A 70 70 0 0 1 79.91574289598847 10.00005070901534 L 79.93680717199135 27.500038031761505 A 52.5 52.5 0 0 0 79.989307156806 27.50000108892283 Z" transform="translate(0,0)" stroke="#ffffff" stroke-width="7" opacity="1" stroke-linejoin="round" class="highcharts-point highcharts-color-0" tabindex="-1" role="img" aria-label="1. Interest, 0."></path><path fill="#23233f" d="M 79.98574287574134 10.000001451897106 A 70 70 0 0 1 79.91574289598847 10.00005070901534 L 79.93680717199135 27.500038031761505 A 52.5 52.5 0 0 0 79.989307156806 27.50000108892283 Z" transform="translate(0,0)" stroke="#ffffff" stroke-width="7" opacity="1" stroke-linejoin="round" class="highcharts-point highcharts-color-1" tabindex="-1" role="img" aria-label="2. Principal, 0."></path><path fill="#c7c8ca" d="M 79.98574287574134 10.000001451897106 A 70 70 0 1 1 79.90277140433498 10.000067524316961 M 79.92707855325123 27.50005064323772 A 52.5 52.5 0 1 0 79.989307156806 27.50000108892283 " transform="translate(0,0)" stroke="#ffffff" stroke-width="7" opacity="1" stroke-linejoin="round" class="highcharts-point highcharts-color-2" tabindex="-1" role="img" aria-label="3. Disabled, 100."></path></g><g data-z-index="0.1" class="highcharts-markers highcharts-series-0 highcharts-pie-series " transform="translate(0,0) scale(1 1)" aria-hidden="true"></g></g><text x="80" text-anchor="middle" class="highcharts-title" data-z-index="4" style="color:#333333;font-size:18px;fill:#333333;" y="14" aria-hidden="true"></text><text x="80" text-anchor="middle" class="highcharts-subtitle" data-z-index="4" style="color:#666666;fill:#666666;" y="14" aria-hidden="true"></text><text x="0" text-anchor="start" class="highcharts-caption" data-z-index="4" style="color:#666666;fill:#666666;" y="172" aria-hidden="true"></text><g class="highcharts-legend" data-z-index="7" aria-hidden="true"><rect fill="none" class="highcharts-legend-box" rx="0" ry="0" x="0" y="0" width="8" height="8" visibility="hidden"></rect><g data-z-index="1"><g></g></g></g></svg></div><div aria-hidden="false" class="highcharts-exit-anchor-wrapper" style="position: relative; outline: none;"><h6 tabindex="0" aria-hidden="false" style="position: absolute; width: 1px; height: 1px; bottom: 5px; z-index: 0; overflow: hidden; outline: none;">End of interactive chart</h6></div></div> <div class="result__value"> <sup>$</sup><span class="result__num" data-num="interest" data-default="0.00">0.00</span> </div> </div> <div class="result__legend legend"> <div class="result__label desktopOnly"> Total Interest Paid: </div> <div class="legend__value"> Interest: <span class="value-color-toggle">$</span><span class="legend__num" data-num="interest" data-default="––">––</span> </div> <div class="legend__value legend__value--principal"> Principal: <span class="value-color-toggle">$</span><span class="legend__num" data-num="principal" data-default="––">––</span> </div> </div> <div class="result__break"></div> </div> </div> <p class="calculator__disclaimer calculator__disclaimer--alt"> This calculator is just an educational tool and your results may vary depending on your situation. </p> </div> </div> <div class="BlueBanner"> <p> <strong>Want to save on interest?</strong> <span>You could be pre-approved for a low intro APR Discover<sup><sup>®</sup></sup> Card.</span> </p> <a class="cmp-button" href="https://www.discovercard.com/application/preapproval/initial?ICMPGN=CC_INTCALC_PREQUAL" target="_self"> <button>Check Now</button> </a> </div> <div class="calculator__adjusted-results"> <div class="result-table-wrapper"> <p class="calculator__adjusted-results-lead"> Here’s what would happen if you adjusted the monthly payments: </p> <div class="adjusted-results"></div> <script id="adjusted-results__result-template" type="text/x-custom-template"> <div class="adjusted-results__result"> <div class="adjusted-results__payment"> <div class="adjusted-results__value"><sup>$</sup><span class="adjusted-results__num">{monthlyPayment}</span><span class="moAbbr">/<abbr title="Month">mo.</abbr></span></div> <span class="payTxt">Pay off in {payoffPeriod} months</span> </div> <div class="adjusted-results__interest"> <div class="adjusted-results__interest-amount"><sup>$</sup><span class="adjusted-results__num">{interest}</span></div> <span class="payTxt">Interest Paid</span> </div> </div> </script> <div class="scroll-buttons"> <button class="scroll-buttons__button" data-scroll="up"> <svg xmlns="http://www.w3.org/2000/svg" width="18" height="11" viewBox="0 0 18 11"> <path fill-rule="evenodd" d="M2.143 9.825L9 2.89l6.857 6.935c.572.577 1.143.577 1.714 0 .572-.578.572-1.156 0-1.734L9.761.385C9.572.193 9.382 0 9 0s-.571.193-.762.385L.428 8.283c-.57.578-.57 1.156 0 1.734.572.385 1.143.385 1.715-.192z"></path> </svg> <span class="sr-only">Scroll up</span> </button> <button class="scroll-buttons__button" data-scroll="down"> <svg xmlns="http://www.w3.org/2000/svg" width="18" height="11" viewBox="0 0 18 11"> <path fill-rule="evenodd" d="M15.857 1.175L9 8.11 2.143 1.175C1.57.598 1 .598.429 1.175c-.572.578-.572 1.156 0 1.734l7.81 7.706c.19.192.38.385.761.385s.571-.193.762-.385l7.81-7.898c.57-.578.57-1.156 0-1.734-.572-.385-1.143-.385-1.715.192z"></path> </svg> <span class="sr-only">Scroll down</span> </button> </div> </div> <div class="disclaimer-wrapper"> <div class="how-it-works"> <h2 class="heading how-it-works__heading"> How the calculator works </h2> <p> This calculator factors in a balance, interest rate (APR) and monthly payment amount to estimate a payoff period and the total interest paid. </p> </div> <div class="disclaimers"> <p>Our Credit Card Payoff Calculator assumes the following:</p> <ul class="disclaimers__list"> <li> Monthly payment is at least the Minimum Payment Due, which is calculated as the higher of $35 or 2% of the balance </li> <li> Monthly payment is made at the end of the billing cycle </li> <li> There are no other existing balances or new transactions made on the account </li> <li> Interest compounds daily (and daily balance method is used) </li> <li>There is a fixed APR</li> <li> Payment stays consistent during entire pay-down period, even if the Minimum Payment Due decreases </li> <li>Your interest charges will vary</li> <li> For specific advice about your unique circumstances, you may wish to consult a qualified professional </li> </ul> </div> <button class="button button--link calculator__back-to-top" data-anchor=""> Back to Top<span class="sr-only">of the calculator</span> </button> </div> </div> </div> </section></div> </div> </div> <div class="twocolumntile cmp-p-50 theme-dark-blue-background-gradient dark-theme aem-GridColumn aem-GridColumn--default--12"> <div class="stylesystemclass"> <section id='carousalDesktopChange' class="two-column two-column--50-50 two-column--content-right two-column__background theme-background scrolltracking"> <div class="two-column__image--fullbleed "> <div class="cmp-image "> <div class=" focuspoint" data-lazy="true" data-focus-x="0.99" data-focus-y="0.10"> <img alt="A man and woman looking at each other and smiling while looking at a laptop" data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/background/bg-intrestcal-stocksy-774-804.png"/> </div> </div> </div> <div class="one-column__container"> </div> <div class="two-column__content section-container"> <div class="two-column__content-half"> <div class="cmp-title theme-background cmp-title_text-calheadingcontent "> <h2 id="title-2138882629" class="cmp-title__text">How can I pay less credit card interest?</h2> </div> <div class="parsys-content"> <div class="contentfragmentblock contentfragmentlist cmp-alignment--left cf-list--one-color-block-3 cf-one-color-block-4 cf-list--sm-carousel"> <div class="cf-list scrolltracking" data-is-carousel="true">  <div class="cf-list__items carousel-items cf-list__items--lg-carousel cf-list__items--sm-carousel cf-list__items--1-col" carousel-lg-slides-to-show="1"> <div class="cf-list__item cf-list__item--row-last "> <div class="cf-list__item-elements"> <div class="cf-list__item-element cf-list__item-element--title cmp-title_text-heading-2"> <div class="cf-list__item-element-value cmp-title_text-heading-2">Paying off your balance in full and on time with every monthly statement lets you avoid credit card interest charges on your purchases</div> </div> <div class="cf-list__item-element cf-list__item-element--text"> <div class="cf-list__item-element-value cmp-button--text-link-tittle"><p>When you pay off your credit card balance in full and on time, you don't accumulate interest charges on your purchases for that billing cycle. So if you do that every month, you could avoid paying interest entirely.</p> </div> </div> </div> </div> <div class="cf-list__item cf-list__item--row-last "> <div class="cf-list__item-elements"> <div class="cf-list__item-element cf-list__item-element--title cmp-title_text-heading-2"> <div class="cf-list__item-element-value cmp-title_text-heading-2">Pay more than your minimum payment due</div> </div> <div class="cf-list__item-element cf-list__item-element--text"> <div class="cf-list__item-element-value cmp-button--text-link-tittle"><p>Every month, your credit card statement shows you a minimum amount due that you can pay to avoid penalty fees. But remember that any unpaid balance will continue to accrue interest charges—so you’ll pay less in interest if you pay off the balance faster.</p> </div> </div> </div> </div> <div class="cf-list__item cf-list__item--row-last "> <div class="cf-list__item-elements"> <div class="cf-list__item-element cf-list__item-element--title cmp-title_text-heading-2"> <div class="cf-list__item-element-value cmp-title_text-heading-2">Transfer your balance for a lower promotional interest rate</div> </div> <div class="cf-list__item-element cf-list__item-element--text"> <div class="cf-list__item-element-value cmp-button--text-link-tittle"><p>Many credit cards offer a balance transfer at a lower promotional interest rate. By transferring balances at higher interest rates to another credit card account with a low promotional APR, you can save on interest during the promotional period.</p> </div> </div> </div> </div> <div class="cf-list__item cf-list__item--row-last "> <div class="cf-list__item-elements"> <div class="cf-list__item-element cf-list__item-element--title cmp-title_text-heading-2"> <div class="cf-list__item-element-value cmp-title_text-heading-2">Find a credit card with a low introductory interest rate</div> </div> <div class="cf-list__item-element cf-list__item-element--text"> <div class="cf-list__item-element-value cmp-button--text-link-tittle"><p>Look for a credit card company that has cards that offer a low introductory interest rates on purchases, balance transfers, or both. This is a good way to save on interest during the promotional period, especially if you plan to make a large purchase or transfer higher-rate debt. Remember, after the promotional period ends, your standard purchase APR will apply.</p> </div> </div> </div> </div> </div> <div class="cf_list__disclosures"> </div> </div> <div class="cf-list__carousel-controls carousel-controls"></div> </div> </div> </div> </div> <div class="one-column__container"> </div> </section> </div></div> <div class="onecolumntile light-theme cmp-p-75 one-column--inward-curve aem-GridColumn aem-GridColumn--default--12"> <div class="stylesystemclass"> <section class="one-column one-column__container__image--icon scrolltracking"> <div class='one-column__background theme-background' style="opacity: calc(100 / 100);"> </div> <div class="one-column__container"> <div class="cmp-title theme-background cmp-alignment--left cmp-title_text-headingcontent "> <h2 id="title-2013178071" class="cmp-title__text">Read more about interest payments and credit card debt</h2> </div> <div class="one-column__container__parsys parsys-content"> <div class="contentfragmentblock contentfragmentlist cmp-alignment--left cf-list--variation-three"> <div class="cf-list scrolltracking">  <div class="cf-list__items carousel-items cf-list__items--lg-stacked cf-list__items--sm-stacked cf-list__items--3-col" carousel-lg-slides-to-show="1"> <div class="cf-list__item cf-list__item--row-first cf-list__item--stacked-remainder"> <div class="cf-list__item-elements"> <div class="cf-list__item-element cf-list__item-element--title "> <div class="cf-list__item-element-value "><a aria-label="How To Pay Off Credit Card Debt " class="disclosure no-disclosure" data-analytics-label="CRC:HOW TO PAY OFF CREDIT CARD DEBT" href="https://www.discover.com/credit-cards/card-smarts/how-to-pay-off-credit-card-debt/">How To Pay Off Credit Card Debt </a></div> </div> <div class="cf-list__item-element cf-list__item-element--text"> <div class="cf-list__item-element-value cf-list-element-text"><p> </p> <p>Whether you just received your first credit card or you want to improve your credit, learn how to use a credit card responsibly.</p> </div> </div> </div> </div> <div class="cf-list__item cf-list__item--stacked-remainder"> <div class="cf-list__item-elements"> <div class="cf-list__item-element cf-list__item-element--title "> <div class="cf-list__item-element-value "><a aria-label="What Is A Balance Transfer " class="disclosure no-disclosure" data-analytics-label="CRC:WHAT IS A BALANCE TRANSFER" href="https://www.discover.com/credit-cards/card-smarts/balance-transfer/">What Is A Balance Transfer </a></div> </div> <div class="cf-list__item-element cf-list__item-element--text"> <div class="cf-list__item-element-value cf-list-element-text"><p> </p> <p>A balance transfer credit card with a low intro APR can help you pay off higher interest rate debt. Understand the tools you need to make a balance transfer work for you.</p> </div> </div> </div> </div> <div class="cf-list__item cf-list__item--row-last cf-list__item--stacked-remainder"> <div class="cf-list__item-elements"> <div class="cf-list__item-element cf-list__item-element--title "> <div class="cf-list__item-element-value "><a aria-label="Steps To Overcome Debt For Good " class="disclosure no-disclosure" data-analytics-label="CRC:STEPS TO OVERCOME DEBT FOR GOOD" href="https://www.discover.com/credit-cards/card-smarts/guide-to-credit-card-debt-relief/">Steps To Overcome Debt For Good </a></div> </div> <div class="cf-list__item-element cf-list__item-element--text"> <div class="cf-list__item-element-value cf-list-element-text"><p>Debt can feel overwhelming, but you're not alone. Here, we go over some of the many ways to manage your debt.</p> </div> </div> </div> </div> </div> <div class="cf_list__disclosures"> </div> </div> <div class="cf-list__carousel-controls carousel-controls"></div> </div> <div class="spacer separator"> <div id="spacer-aa95dd1e63" class="cmp-spacer theme-white-background-gradient"> <div class="cmp-spacer__desktop" style="margin-bottom: 60px;"></div> <div class="cmp-spacer__mobile" style="margin-bottom: 40px;"></div> </div> </div> </div> <div class="one-column__cta-container"> <div class="cmp-button--cta cmp-button--cta--transparent-dark cmp-alignment--center large"> <a class="cmp-button " href="https://www.discover.com/credit-cards/card-smarts/using-your-credit-card/?cat=managing-debt" target="_self"> <span class="cmp-button__text"> Read More Articles <span class="sr-only"> </span> </span> </a> </div> </div> </div> </section> </div> <div class="quarter-circle quarter-circle-top-right-small " data-lazy="true"> <img alt="Inward Curve" data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/curves/curve-semi-glow-top-right-274-274.svg"/> </div> </div> <div class="onecolumntile one-column--medium-2-width cmp-alignment--left theme-light-gray-background-gradient light-theme cmp-p-75 one-column--inward-curve one-col-tile-compare-table aem-GridColumn aem-GridColumn--default--12"> <div class="stylesystemclass"> <section id='calc-faq' class="one-column one-column__container__image--icon scrolltracking"> <div class='one-column__background theme-background' style="opacity: calc(100 / 100);"> </div> <div class="one-column__container"> <div class="cmp-title theme-background cmp-title_text-calheadingcontent "> <h2 id="title--1567851840" class="cmp-title__text">Common questions about credit card interest</h2> </div> <div class="one-column__container__parsys parsys-content"> <div class="faqlist"> <div class="faq-list faq-list--separated-items ">  <span itemscope itemtype="http://schema.org/FAQPage"> <div class="faq-list__items"> <div class="faq" itemscope itemtype="http://schema.org/Question" itemprop="mainEntity"> <h3 class="faq__question"> <button aria-expanded="false" class="faq__header" aria-controls="faq1" id="faq-question-1"> <span itemprop="name">How is the minimum payment on a credit card calculated?</span> <i class="twoSideArrow"></i> </button> </h3> <div class="faq__answer" id="faq1" role="region" aria-labelledby="faq-question-1" itemscope itemtype="http://schema.org/Answer" itemprop="acceptedAnswer"> <div class="faq__body" itemprop="text"> <p>Every month, your credit card company adds your current balance to any interest you owe for your monthly statement total. That month's <a href="https://www.discover.com/credit-cards/card-smarts/credit-card-minimum-payment/">minimum payment</a> is a percentage of that total. There is usually a dollar amount for your minimum monthly payment, and it may be written like, "$35 or 2% of your balance plus fees, whichever is greater." Each credit card issuer calculates your minimum monthly payment differently. Consult your Discover statement and the terms of your account for information on how your Discover card minimum monthly payment is calculated.</p> <p> </p> </div> </div> </div> <div class="faq" itemscope itemtype="http://schema.org/Question" itemprop="mainEntity"> <h3 class="faq__question"> <button aria-expanded="false" class="faq__header" aria-controls="faq2" id="faq-question-2"> <span itemprop="name">How do you calculate credit card interest?</span> <i class="twoSideArrow"></i> </button> </h3> <div class="faq__answer" id="faq2" role="region" aria-labelledby="faq-question-2" itemscope itemtype="http://schema.org/Answer" itemprop="acceptedAnswer"> <div class="faq__body" itemprop="text"> <p>First take your APR (Annual Percentage Rate, which is your interest rate) and divide it by 365 (the days in the year) to get your daily interest rate. (Note that there may be different APRs that apply to different transactions on the same bill. A cash advance interest rate may differ from your purchase rate, there may be promotional interest rates on certain purchases.) Every day, your credit card issuer will multiply the daily interest rate for each transaction that hasn't been paid off by the dollar amount of the transaction. That's how much interest you'll be charged for that day. This interest gets compounded, which means it's added to what you owe. Each day, you'll have a new daily balance, and the credit card issuer will calculate the interest on this amount. The daily interest charges are all added up to determine your monthly interest payment, which keeps compounding until you pay your bill in full.</p> </div> </div> </div> <div class="faq" itemscope itemtype="http://schema.org/Question" itemprop="mainEntity"> <h3 class="faq__question"> <button aria-expanded="false" class="faq__header" aria-controls="faq3" id="faq-question-3"> <span itemprop="name">How do you calculate your credit card payoff date?</span> <i class="twoSideArrow"></i> </button> </h3> <div class="faq__answer" id="faq3" role="region" aria-labelledby="faq-question-3" itemscope itemtype="http://schema.org/Answer" itemprop="acceptedAnswer"> <div class="faq__body" itemprop="text"> <p>It’s much easier to use a credit card interest calculator like the one on this page, but if you want to do it by hand, here’s what you need to calculate:</p> <p> </p> <p>Your daily balance (each day’s transactions plus interest)</p> <p>Monthly balance (total of your daily balances for the month)</p> <p> </p> <p>Subtract your payments from your monthly balance, then calculate the new daily balances. Do this until your total is $0. Then count how many days that took.</p> </div> </div> </div> <div class="faq" itemscope itemtype="http://schema.org/Question" itemprop="mainEntity"> <h3 class="faq__question"> <button aria-expanded="false" class="faq__header" aria-controls="faq4" id="faq-question-4"> <span itemprop="name">What’s the difference between an interest rate calculator and a credit card payoff calculator?</span> <i class="twoSideArrow"></i> </button> </h3> <div class="faq__answer" id="faq4" role="region" aria-labelledby="faq-question-4" itemscope itemtype="http://schema.org/Answer" itemprop="acceptedAnswer"> <div class="faq__body" itemprop="text"> <p>Believe it or not, an interest rate calculator and credit card payoff calculator are actually two different versions of the same thing. If you have your interest rate and you know what your monthly payment will be, the calculator will help you determine how long it will take to pay off your balance and how much you’ll pay in interest each month.</p> </div> </div> </div> <div class="faq" itemscope itemtype="http://schema.org/Question" itemprop="mainEntity"> <h3 class="faq__question"> <button aria-expanded="false" class="faq__header" aria-controls="faq5" id="faq-question-5"> <span itemprop="name">How do I pay off my credit card?</span> <i class="twoSideArrow"></i> </button> </h3> <div class="faq__answer" id="faq5" role="region" aria-labelledby="faq-question-5" itemscope itemtype="http://schema.org/Answer" itemprop="acceptedAnswer"> <div class="faq__body" itemprop="text"> <p>It’s helpful to pay more than the minimum payment to work towards being debt-free. To do this, we recommend coming up with a budget plan (and sticking with it) so you can better understand how you're spending your money, and how you can cut costs. Even an extra $5 or $10 a month can help you pay less in interest and may make more of an impact than you might think.</p> </div> </div> </div> <div class="faq" itemscope itemtype="http://schema.org/Question" itemprop="mainEntity"> <h3 class="faq__question"> <button aria-expanded="false" class="faq__header" aria-controls="faq6" id="faq-question-6"> <span itemprop="name">Does carrying a balance affect my credit card?</span> <i class="twoSideArrow"></i> </button> </h3> <div class="faq__answer" id="faq6" role="region" aria-labelledby="faq-question-6" itemscope itemtype="http://schema.org/Answer" itemprop="acceptedAnswer"> <div class="faq__body" itemprop="text"> <p>While carrying a balance doesn't affect your credit score, your credit utilization does. This is how much of your available credit you have spent (and owe back to your lender). A high utilization could be seen as a high risk for potential lenders, while a low utilization shows them you're able to pay off your balances in a timely manner. Keep in mind, credit utilization typically makes up almost a third of how your credit score is calculated.</p> </div> </div> </div> </div> </span> </div> </div> </div> </div> </section> </div> <div class="quarter-circle quarter-circle-bottom-right-small " data-lazy="true"> <img alt="Inward Curve" data-src="/content/dam/discover/en_us/credit-cards/card-acquisitions/grey-redesign/global/images/curves/curve-semi-glow-bottom-right-191-191.svg"/> </div> </div> </div> </div> <div class="experiencefragment aem-GridColumn aem-GridColumn--default--12"> <div class="xf-content-height"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="responsivegrid aem-GridColumn aem-GridColumn--default--12"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="rawHTML aem-GridColumn aem-GridColumn--default--12"><div class="cmp-rawhtml "> <div><style> @media (min-width:992px){ .cmp-category-filter--sticky { top: 135px; } .cardsmartsheader { height: 108px; } 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