This calculator will help you to compare the long-term costs of credit cards that have varying interest rates, annual fees, introductory rates and compounding intervals. Simply enter a balance amount, a payment amount, and the terms for each card, then click the "Compute" button. Please note that fixed payments (the same amount for all payments) are used to compare the costs of the cards, so if you ever pay less than the entered payment amount, your actual costs will vary from the results of this calculator.