§ Tool · tier 1 · independent
Credit Card Comparison Calculator.
Compare credit cards by rates, fees, rewards, and find the best match
CalculatorFree, no signupOn-deviceupd May 2026
Inputs
Your numbers
Awaiting inputs
Move the sliders or type in the form on the left — the math updates live as you go. Click Get AI verdict when you want a written analysis.
Not all credit cards are equal. The best card depends on how you use it - low rate cards save money if you carry a balance, while rewards cards pay off if you always pay in full.
§ Worked examples
Real-world scenarios
Low Rate vs Rewards Card
$2,000/month spend. Card A: $0 fee, 13.5% rate, no rewards. Card B: $150 fee, 20% rate, 1.5 points/$.
Inputs
spend:2,000feeA:0rateA:13.5feeB:150rateB:20
If you pay in full: Card B costs $150/year but earns ~$180 in rewards. Winner: Card B (+$30). If you carry $2,000 balance: Card A saves ~$130/year in interest. Winner: Card A.
§ FAQ
Questions Australians ask
§ GlossaryPurchase Rate Interest charged on purchases if balance isn't paid in full. Rewards Rate Points or cashback earned per dollar spent, e.g., 1 point per $1. Point Value What each reward point is worth - typically $0.005-0.01 depending on redemption.