Swipenomics

Which card should I swipe?

Enter a purchase. Every card in your wallet is scored on rewards earned, interest you would pay over your chosen payoff time, foreign fees, and available credit.

The purchase

This purchase is for

Interest assumes equal monthly payments that clear the purchase in the time you pick, using the card's APR (and any intro APR). It ignores the existing balance's interest, which you pay either way.

Use this card

Example cards
Personal
Everyday Cash
Example Credit Union
19.99% APR$0 / $8,000
Net result on $1,800.00
−$111.67
interest and fees outweigh rewards, $48.08 better than Business Ink Rewards
  • Earns 1.5% back on online shopping: $27.00 in value.
  • Interest over 12 months at 19.99%: $138.67, paying $161.56/mo.
  • Covers: Purchase protection.
Lacks extended warranty, price protection
CardRewardsInterestFeesNetMonthlyAvail. credit
Everyday Cash
Personal · Purchase protection
$27.00$138.67$0.00−$111.67$161.56$8,000
Business Ink Rewards
Business · Purchase protection, Extended warranty
$54.00$213.75$0.00−$159.75$167.81$16,350
Travel Rewards Plus
Personal · Purchase protection, Extended warranty
$27.00$247.61$0.00−$220.61$170.63$10,760
Store Card
Personal
$90.00$326.92$0.00−$236.92$177.24$2,080