How our calculator works

We have assumed:

  • You will pay this amount each month on time

  • You will not use the card for any other transactions

  • You will not switch cards again when the introductory offer ends

Your results take into account introductory offers, interest rates and fees that may apply when you switch accounts or while you pay the balance off.

If you make any changes to your payments or how you use the card, the fees and time it will take to pay the balance off will also change.