Compare Credit Card Balance Transfer Calculator for Comparing Up to 3 Offers

Compare Card Balance Transfer Calculator Sign

This calculator will calculate a side-by-side comparison of up to three different balance transfer offers.

Unlike most credit card offer comparison calculators that only calculate the comparative results for the first year, this calculator will calculate the comparative results from now until the amount you owe is paid off.

Plus, you also have the option of choosing between making a fixed payment or making declining minimum payments.

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Compare Card Balance Transfer Calculator

Compare up To 3 credit card balance transfer offers at one time so you can see which one is the best overall.

Special Instructions

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Selected Data Record:

A Data Record is a set of calculator entries that are stored in your web browser's Local Storage. If a Data Record is currently selected in the "Data" tab, this line will list the name you gave to that data record. If no data record is selected, or you have no entries stored for this calculator, the line will display "None".

DataData recordData recordSelected data record: None
Balance Transfer Details

Balance Transfer Details:

This section contains the details that will apply to all entered offers. These include the amount of the transfer, your monthly payment preference following the transfer, and your monthly "cash back" qualifying purchases after the transfer.

Transfer amt:Transfer amount:Balance transfer amount:Balance transfer amount:

Balance transfer amount:

Enter the total of all balances you are considering transferring to another credit card. Enter as a dollar amount, but without the dollar signs and commas.

Monthly payment:

Monthly payment options and amount:

Select your preferred monthly payment method. If you choose the Fixed pmt option, enter the fixed payment amount. For all other options the calculator will compute the minimum payment for you based on the balance transfer amount and your minimum payment percentage selection.

Spend/month:Monthly purchases:Monthly qualifying purchases:Monthly qualifying purchases:

Monthly qualifying purchases:

If any of the balance transfer offers include a cash back offer, enter the dollar amount of your estimated monthly purchases that would qualify. Note that the calculator assumes you will pay off these purchases each month.

Enter 2-3 Transfer OffersEnter 2-3 Balance Transfer OffersEnter Up to 3 Balance Transfer OffersEnter Up to 3 Balance Transfer Offers

Enter Up To 3 Transfer Offers:

To add an offer, enter offer's name and terms. When you're satisfied with the entries, tap the + button (may also appear as "Add" or "Add Offer" depending on the width of your device).

To edit an offer in the list, tap the radio button in the Edit column. This will load the offer into the form for editing. When you're satisfied with the changes you've made, tap the S button (may also appear as "Save" or "Save Changes" depending on the width of your device).

To delete an offer from the list, tap the radio button in the Edit column. This will load the offer into the form for deleting. Tap the button (may also appear as "Delete" depending on the width of your device).

To clear the form to create a new offer entry, tap the C button (may also appear as "Clr" or "Clear" depending on the width of your device).

Important! The entered offers are saved in your device's random memory (temporary storage), which means that if you surf to another calculator or close this browser window you will need to re-enter your offers.

Offer name:Offer name:Name of company making offer:Name of company making offer:

Name of company making offer:

Enter the name of the credit card company that is offering the balance transfer.

Intro rate:Introductory rate:Introductory interest rate:Introductory interest rate:

Introductory interest rate:

Enter the introductory rate for the balance transfer offer. Enter as a percentage but without the percent sign (for .039 or 3.9%, enter 3.9). If 0%, simply enter a zero.

Intro months:Introductory months:Number of introductory months:Number of introductory months:

Number of introductory months:

Enter the number of months the introductory interest rate will last for.

Post rate:Post intro rate:Post introductory interest rate:Post introductory interest rate:

Post introductory interest rate:

Enter the annual interest rate that will go into effect once the introductory term has ended. Enter as a percentage but without the percent sign (for .1790 or 17.9%, enter 17.9). Note that this is the only required field for the offer being entered.

Annual fee:

Annual fee:

If the balance transfer offer carries an annual fee, enter the amount on this line. Otherwise leave blank or enter a zero.

Transfer fee:Transfer fee %:Balance transfer fee percentage:Balance transfer fee percentage:

Balance transfer fee percentage:

Enter the balance transfer fee percentage (usually 3% to 5%). Enter as a percentage but without the percent sign (for .03 or 3%, enter 3). If no transfer fee leave blank or enter a zero.

Fee cap:Transfer fee cap:Balance transfer fee cap:Balance transfer fee cap:

Balance transfer fee cap:

Enter the balance transfer fee cap or maximum (usually $50 to $75). Enter as a dollar amount but without the dollar sign and commas. If no balance transfer fee cap leave this field blank.

Cash back:Cash back %:Cash back percentage:Cash back percentage:

Cash back percentage:

If the balance transfer offer includes a cash back incentive, enter the cash back percentage (usually 1% to 2%). Enter as a percentage but without the percent sign (for .01 or 1%, enter 1). Otherwise leave blank or enter a zero.

Transfer Offer Comparison

Transfer Offer Comparison Chart:

This chart will display the calculated costs and rewards for each entered offer. For each entered offer, the costs and rewards accumulate from the start of the transfer through to the time the transferred balance is paid off.

Tap the links in the left-hand column for a more detailed explanation of each row.

Months:Months:Months:Months to pay off:

Months to pay off:

This row displays the number of months it will take you to pay off your transferred balance for each entered offer. Note that the calculations assume that you will pay off all future charges in the month they were charged.

Trans fee:Trans fee:Transfer fee:Balance transfer fee:

Balance transfer fee:

This row displays the dollar amount of the balance transfer fee for each entered offer. The calculated result is the balance transfer percentage multiplied by the amount transferred, or the balance transfer cap, whichever is smaller. Note that the calculator assumes that the balance transfer fee will be added to the balance owed.

Ann fees:Ann fees:Annual fees:Total annual fees:

Total annual fees:

This row displays the total of all annual fees for each entered offer. The result is calculated by multiplying the number of years (payments divided by 12) by the annual fee. Note that the calculator assumes that the annual fees will be added to the balance as they come due.

Interest:Interest:Finance charges:Total finance charges:

Total finance charges:

This row displays the total finance charges you will end up paying for each entered offer, between now and when you finally pay off the balance.

Total cost:Total cost:Total cost:Total cost:

Total cost:

This row displays the total of the transfer fee, annual fees, and finance charges for each entered offer.

Cash back:Cash back:Less cash back:Less cash back:

Less cash back:

For each entered offer that comes with a cash back incentive, this row will display the cash back rewards that will be accumulated between now and when you pay off your balance.

Net cost:Net cost:Net cost:Net cost:

Net cost:

For each entered offer, this row will display net cost. The net cost is calculated by subtracting the cash back amount from the total cost amount.

If you would like to save the current entries to the secure online database, tap or click on the Data tab, select "New Data Record", give the data record a name, then tap or click the Save button. To save changes to previously saved entries, simply tap the Save button. Please select and "Clear" any data records you no longer need.

Help and Tools


Why credit card companies have a blank check when it comes to ripping off consumers.

Credit Card Comparison Shopper Dies from Complications

Do you comparison shop for gasoline?

If so, no big surprise.

Nearly everyone I know comparison shops when it comes to buying gasoline for their automobiles. Oddly enough, most will even drive miles out of their way just to save one or two cents per gallon.

On the other hand, of all the people I know who comparison shop for gasoline, none to my knowledge comparison shop for credit card balance transfer offers.

Why is that?

I believe it's because there are so many variables from one credit card offer to another, comparing them can be confusing even for passionate number crunchers such as myself (credit card calculators are the most complex and time-consuming of all the calculators I create). The average, math-phobic person doesn't stand a chance.

Now, just imagine if every gas station sold its gasoline in different units of volume. Some stations sell gasoline by the ounce, some sell by the liter, some by the quart, some by the pound, and so on.

Now further imagine that every gas station sold gasoline brands that varied in combustibility, meaning each brand would propel a vehicle random distances given equal volumes.

If that were true, do you think people would comparison shop for gasoline?

Probably not.

In fact, it would likely cause the death of gasoline comparison shopping -- a death due to complications.

You see, this is what gives credit card companies a blank check when it comes to ripping off consumers.

They have made their offers so complex and so full of ticking time bombs that the average person has no way of knowing which credit card transfer offer is the best of those that are being offered -- much less which will cause them to become a future soup kitchen patron, and which may not.

And while our government has made a minimal effort to force credit card companies to disclose their ticking financial time bombs to consumers, little has been done to educate consumers to the point they can clearly see just how devious and manipulating credit card companies are.

If the government has to step in and force a company to disclose the drawbacks of its product, and the company complies by displaying its mandated disclosures in unreadable, fine print, how can anyone trust that company enough to become one of their customers?

Millions do every day.

If you ask me, making declining minimum payments to a credit card company is like shopping from a neighborhood grocery store who restocks its shelves with groceries stolen from the neighborhood.

Adjust Calculator Width:

Move the slider to left and right to adjust the calculator width. Note that the Help and Tools panel will be hidden when the calculator is too wide to fit both on the screen. Moving the slider to the left will bring the instructions and tools panel back into view.

Also note that some calculators will reformat to accommodate the screen size as you make the calculator wider or narrower. If the calculator is narrow, columns of entry rows will be converted to a vertical entry form, whereas a wider calculator will display columns of entry rows, and the entry fields will be smaller in size ... since they will not need to be "thumb friendly".

Show/Hide Popup Keypads:

Select Show or Hide to show or hide the popup keypad icons located next to numeric entry fields. These are generally only needed for mobile devices that don't have decimal points in their numeric keypads. So if you are on a desktop, you may find the calculator to be more user-friendly and less cluttered without them.

Stick/Unstick Tools:

Select Stick or Unstick to stick or unstick the help and tools panel. Selecting "Stick" will keep the panel in view while scrolling the calculator vertically. If you find that annoying, select "Unstick" to keep the panel in a stationary position.

If the tools panel becomes "Unstuck" on its own, try clicking "Unstick" and then "Stick" to re-stick the panel.