Carrying a balance on a credit card can be expensive. This table ranks cards by their Minimum Purchase APR, showing the estimated interest cost for every $1,000 of debt carried for one year.

Ranked Interest Costs

CardMin APRAnnual Cost per $1,000Max APRMax Annual Cost
Brex Corporate Card7.00%$70.007.00%$70.00
Capital One Spark Cash Plus7.00%$70.007.00%$70.00
Chime Credit Builder Secured Visa® Credit Card7.00%$70.007.00%$70.00
Unicorn Card7.00%$70.007.00%$70.00
Ramp Corporate Card7.00%$70.007.00%$70.00
Tomo Credit Card7.00%$70.007.00%$70.00
Amex Blue Business Cash Card16.99%$169.9028.74%$287.40
The Blue Business Plus Credit Card from American Express16.99%$169.9028.74%$287.40
Ink Business Cash® Credit Card16.99%$169.9024.99%$249.90
Chase Ink Business Unlimited®16.99%$169.9024.99%$249.90
Amex Business Gold Card17.99%$179.9028.74%$287.40
Business Green Rewards Card from American Express17.99%$179.9028.74%$287.40
Amex Business Platinum Card®17.99%$179.9028.74%$287.40
Ink Business Preferred® Credit Card17.99%$179.9026.99%$269.90
My Best Buy Visa Card17.99%$179.9025.99%$259.90
Citi Dividend Card17.99%$179.9025.99%$259.90
The Home Depot Consumer Credit Card17.99%$179.9025.99%$259.90
L.L.Bean Mastercard17.99%$179.9025.99%$259.90
Macy's American Express Card17.99%$179.9025.99%$259.90
Citi Premier Card17.99%$179.9025.99%$259.90
Citi Prestige Card17.99%$179.9025.99%$259.90
Shop Your Way Mastercard17.99%$179.9025.99%$259.90
Citi ThankYou Preferred Card17.99%$179.9025.99%$259.90
Platinum Credit Card18.24%$182.4025.00%$250.00
Disney® Inspire Visa® Card18.49%$184.9027.99%$279.90
Disney® Premier Visa® Card18.49%$184.9027.99%$279.90
Disney® Visa® Card18.49%$184.9027.99%$279.90
DoorDash Rewards Mastercard®18.49%$184.9027.99%$279.90
Chase Freedom Flex℠18.49%$184.9027.99%$279.90
Chase Freedom Unlimited®18.49%$184.9027.99%$279.90
Instacart Mastercard®18.49%$184.9027.99%$279.90
Amazon Prime Visa18.99%$189.9027.74%$277.40
Amazon Visa18.99%$189.9027.74%$277.40
USAA® Rate Advantage Visa Platinum® Card19.15%$191.5036.15%$361.50
Robinhood Gold Card19.24%$192.4029.24%$292.40
Chase Aeroplan® Credit Card19.49%$194.9028.49%$284.90
IHG One Rewards Premier Business Credit Card19.49%$194.9028.49%$284.90
Southwest® Rapid Rewards® Performance Business Credit Card19.49%$194.9027.99%$279.90
Southwest® Rapid Rewards® Premier Business Credit Card19.49%$194.9027.99%$279.90
IHG One Rewards Premier Credit Card19.49%$194.9028.49%$284.90
IHG One Rewards Traveler Credit Card19.49%$194.9028.49%$284.90
Marriott Bonvoy Bold® Credit Card19.49%$194.9030.24%$302.40
Marriott Bonvoy Boundless® Credit Card19.49%$194.9030.24%$302.40
Marriott Bonvoy Bountiful™ Credit Card19.49%$194.9030.24%$302.40
Chase Sapphire Preferred19.49%$194.9027.74%$277.40
Southwest Rapid Rewards® Plus Credit Card19.49%$194.9027.99%$279.90
Southwest Rapid Rewards® Premier Credit Card19.49%$194.9027.99%$279.90
Southwest Rapid Rewards® Priority Credit Card19.49%$194.9027.99%$279.90
Amex Blue Cash Everyday19.74%$197.4028.74%$287.40
Amex Blue Cash Preferred19.74%$197.4028.74%$287.40
Amex Delta SkyMiles® Gold Business Card19.74%$197.4028.74%$287.40
Amex Delta SkyMiles® Platinum Business Card19.74%$197.4028.74%$287.40
Amex Delta SkyMiles® Reserve Business Card19.74%$197.4028.74%$287.40
Amex Graphite® Business Cash Unlimited Card19.74%$197.4028.74%$287.40
Amex Hilton Honors Business Card19.74%$197.4028.74%$287.40
Amex Marriott Bonvoy Business Card19.74%$197.4028.74%$287.40
Amex Cash Magnet19.74%$197.4028.74%$287.40
Centurion Card from American Express19.74%$197.4028.74%$287.40
Amex Delta SkyMiles Blue19.74%$197.4028.74%$287.40
Amex Delta SkyMiles Platinum19.74%$197.4028.74%$287.40
Delta SkyMiles Reserve American Express Card19.74%$197.4028.74%$287.40
Amex EveryDay19.74%$197.4028.74%$287.40
Gold Rewards Card19.74%$197.4028.74%$287.40
Amex Green Card19.74%$197.4028.74%$287.40
Hilton Honors American Express Aspire Card19.74%$197.4028.74%$287.40
Amex Hilton Honors19.74%$197.4028.74%$287.40
Hilton Honors American Express Surpass Card19.74%$197.4028.74%$287.40
Marriott Bonvoy Bevy American Express Card19.74%$197.4028.74%$287.40
Marriott Bonvoy American Express Card19.74%$197.4028.74%$287.40
Marriott Bonvoy Brilliant American Express Card19.74%$197.4028.74%$287.40
Blue Cash Preferred Card from American Express Exclusively for Morgan Stanley19.74%$197.4028.74%$287.40
Amex Platinum Card19.74%$197.4028.74%$287.40
Charles Schwab Investor Credit Card from American Express19.74%$197.4028.74%$287.40
Chase Sapphire Reserve®19.74%$197.4028.24%$282.40
World of Hyatt Business Credit Card19.99%$199.9028.49%$284.90
United℠ Business Card19.99%$199.9028.49%$284.90
United Club℠ Business Card19.99%$199.9028.49%$284.90
World of Hyatt Credit Card19.99%$199.9028.49%$284.90
United Club℠ Infinite Card19.99%$199.9028.49%$284.90
United℠ Explorer Card19.99%$199.9028.49%$284.90
United Gateway℠ Credit Card19.99%$199.9028.49%$284.90
United Quest℠ Card19.99%$199.9028.49%$284.90
BECU Visa® Credit Card20.24%$202.4032.24%$322.40
Amex Delta SkyMiles Gold20.49%$204.9029.49%$294.90
GO REWARDS® Credit Card20.74%$207.4025.00%$250.00
Platinum Rewards Credit Card20.75%$207.5025.00%$250.00
SECU Visa® Credit Card20.75%$207.5020.75%$207.50
SchoolsFirst Inspire Mastercard®20.90%$209.0025.00%$250.00
Odyssey™ Rewards World Elite Mastercard®21.50%$215.0025.00%$250.00
cashRewards Credit Card21.90%$219.0025.00%$250.00
More Rewards American Express® Card21.90%$219.0025.00%$250.00
Amex Optima Card21.99%$219.9021.99%$219.90
Optima® Platinum Card21.99%$219.9021.99%$219.90
Upgrade Cash Rewards Visa®21.99%$219.9036.99%$369.90
Alliant Cashback Visa® Signature Credit Card22.24%$222.4032.24%$322.40
Smart Option® Visa®22.24%$222.4032.24%$322.40
Visa Signature® Flagship Rewards Credit Card22.24%$222.4025.00%$250.00
BankAmericard®23.24%$232.4033.24%$332.40
FNBO Evergreen® Rewards Visa®23.24%$232.4032.24%$322.40
Platinum Plus® Mastercard® Business card23.49%$234.9033.49%$334.90
USAA® Cashback Rewards Plus American Express® Card24.15%$241.5038.15%$381.50
Discover it® Cash Back24.24%$242.4035.24%$352.40
Discover it® Chrome24.24%$242.4035.24%$352.40
Discover it® Miles24.24%$242.4035.24%$352.40
Key2More Rewards® Mastercard®24.24%$242.4035.24%$352.40
M&T Visa® Signature Credit Card24.24%$242.4031.24%$312.40
Santander® Ultimate Cash Back24.24%$242.4031.24%$312.40
Truist Enjoy Cash credit card24.24%$242.4033.24%$332.40
Gemini Credit Card®24.49%$244.9036.49%$364.90
Amazing Rewards® Visa® Credit Card24.49%$244.9032.49%$324.90
Citi® Diamond Preferred® Card24.74%$247.4035.49%$354.90
Special Connections® Visa®24.74%$247.4034.74%$347.40
Citizens Cash Back Plus™ World Mastercard®24.99%$249.9032.99%$329.90
Huntington Voice Credit Card®24.99%$249.9034.99%$349.90
Gold Visa® Card24.99%$249.9024.99%$249.90
Pathfinder® Rewards Visa Signature® Card24.99%$249.9024.99%$249.90
Platinum Rewards Visa Signature® Card24.99%$249.9024.99%$249.90
Power Cash Rewards Visa Signature® Card24.99%$249.9024.99%$249.90
PNC Cash Rewards® Visa® Credit Card24.99%$249.9035.99%$359.90
Bank of America® Customized Cash Rewards Credit Card25.24%$252.4035.24%$352.40
Bank of America® Travel Rewards Credit Card25.24%$252.4035.24%$352.40
Bank of America® Unlimited Cash Rewards Credit Card25.24%$252.4035.24%$352.40
Celebrity Cruises® Visa Signature®25.24%$252.4035.24%$352.40
Bank of America Customized Cash Rewards25.24%$252.4035.24%$352.40
Norwegian Cruise Line® World Mastercard®25.24%$252.4035.24%$352.40
Royal Caribbean® Visa Signature®25.24%$252.4035.24%$352.40
Susan G. Komen® Customized Cash Rewards Visa®25.24%$252.4035.24%$352.40
Bank of America Travel Rewards25.24%$252.4035.24%$352.40
Bank of America Unlimited Cash Rewards25.24%$252.4035.24%$352.40
World Wildlife Fund Customized Cash Rewards Visa®25.24%$252.4035.24%$352.40
Citi Rewards+® Card25.24%$252.4035.24%$352.40
Discover it® Student Cash Back25.24%$252.4034.24%$342.40
Discover it® Student Chrome25.24%$252.4034.24%$342.40
Priority Destinations® World Elite Mastercard®25.24%$252.4025.24%$252.40
Petal® 2 "Cash Back, No Fees" Visa® Credit Card25.24%$252.4039.24%$392.40
U.S. Bank Altitude® Go Visa Signature® Card25.24%$252.4036.24%$362.40
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®25.24%$252.4034.24%$342.40
U.S. Bank Visa® Platinum Card25.24%$252.4036.24%$362.40
Wells Fargo Reflect® Card25.24%$252.4036.99%$369.90
Bank of America® Business Advantage Customized Cash Rewards Mastercard®25.49%$254.9035.49%$354.90
Bank of America® Business Advantage Travel Rewards World Mastercard®25.49%$254.9035.49%$354.90
Bank of America® Business Advantage Unlimited Cash Rewards Mastercard®25.49%$254.9035.49%$354.90
Business Advantage Customized Cash Rewards Mastercard®25.49%$254.9035.49%$354.90
Business Advantage Travel Rewards World Mastercard®25.49%$254.9035.49%$354.90
Business Advantage Unlimited Cash Rewards Mastercard®25.49%$254.9035.49%$354.90
Capital One Spark Cash Select25.49%$254.9031.49%$314.90
Capital One Spark Miles Select for Business25.49%$254.9031.49%$314.90
Signify Business Cash℠ Card by Wells Fargo25.49%$254.9034.49%$344.90
Citi Simplicity® Card25.74%$257.4036.49%$364.90
Comerica Platinum Rewards Mastercard®25.99%$259.9035.99%$359.90
Fidelity® Rewards Visa Signature® Card25.99%$259.9035.99%$359.90
AAA Daily Advantage Visa Signature® Credit Card26.24%$262.4036.24%$362.40
AAA Travel Advantage Visa Signature® Credit Card26.24%$262.4036.24%$362.40
AT&T Points Plus® Card from Citi26.24%$262.4036.24%$362.40
Citi Custom Cash® Card26.24%$262.4036.24%$362.40
Citi Double Cash® Card26.24%$262.4036.24%$362.40
Fifth Third 1.67% Cash/Back Card26.24%$262.4036.99%$369.90
Apple Card26.24%$262.4036.49%$364.90
My GM Rewards Card26.24%$262.4036.24%$362.40
Regions Cash Rewards Visa®26.24%$262.4036.24%$362.40
TD Double Up℠ Credit Card26.24%$262.4036.24%$362.40
U.S. Bank Business Altitude™ Connect World Elite Mastercard®26.24%$262.4035.24%$352.40
U.S. Bank Business Altitude™ Power World Elite Mastercard®26.24%$262.4035.24%$352.40
U.S. Bank Business Leverage® Visa Signature® Card26.24%$262.4035.24%$352.40
U.S. Bank Cash+® Visa Signature® Card26.49%$264.9036.74%$367.40
U.S. Bank Shopper Cash Rewards® Visa Signature® Card26.49%$264.9036.49%$364.90
Capital One Quicksilver Cash Rewards Credit Card26.99%$269.9036.99%$369.90
Capital One Quicksilver Student Cash Rewards Credit Card26.99%$269.9036.99%$369.90
Capital One SavorOne Cash Rewards Credit Card26.99%$269.9036.99%$369.90
Capital One SavorOne Student Cash Rewards Credit Card26.99%$269.9036.99%$369.90
Capital One Venture Rewards Credit Card26.99%$269.9036.99%$369.90
Capital One Venture X Rewards Credit Card26.99%$269.9036.99%$369.90
Capital One Venture X Business26.99%$269.9036.99%$369.90
Capital One VentureOne Rewards Credit Card26.99%$269.9036.99%$369.90
Robinhood Platinum Card26.99%$269.9036.99%$369.90
SoFi Credit Card26.99%$269.9036.99%$369.90
Bank of America® Premium Rewards® Credit Card27.24%$272.4034.24%$342.40
Bank of America® Premium Rewards® Elite Credit Card27.24%$272.4034.24%$342.40
BMO Cash Back Mastercard®27.24%$272.4034.24%$342.40
PayPal Cashback Mastercard®27.24%$272.4036.24%$362.40
Venmo Credit Card27.24%$272.4036.24%$362.40
Wells Fargo Active Cash® Card27.24%$272.4036.99%$369.90
Wells Fargo Attune℠ Card27.24%$272.4036.99%$369.90
Wells Fargo Autograph℠ Card27.24%$272.4036.99%$369.90
Costco Anywhere Visa® Business Card by Citi27.49%$274.9027.49%$274.90
Costco Anywhere Visa® Card by Citi27.49%$274.9027.49%$274.90
AAdvantage® Aviator® Red World Elite Mastercard®28.24%$282.4036.99%$369.90
Hawaiian Airlines® World Elite Mastercard®28.24%$282.4036.99%$369.90
JetBlue Card28.24%$282.4036.99%$369.90
JetBlue Plus Card28.24%$282.4036.99%$369.90
Wyndham Rewards Earner® Business Card28.24%$282.4036.99%$369.90
Wyndham Rewards Earner® Plus Card28.24%$282.4036.99%$369.90
Air France KLM World Elite Mastercard®28.24%$282.4035.24%$352.40
Alaska Airlines Visa Signature®28.24%$282.4035.24%$352.40
Alaska Airlines Visa® Business Card28.24%$282.4035.24%$352.40
Allegiant World Mastercard®28.24%$282.4035.24%$352.40
Free Spirit® Travel Mastercard®28.24%$282.4035.24%$352.40
Free Spirit® Travel More World Elite Mastercard®28.24%$282.4035.24%$352.40
Bank of America Premium Rewards28.24%$282.4035.24%$352.40
Bank of America Premium Rewards Elite28.24%$282.4035.24%$352.40
Sonesta World Mastercard®28.24%$282.4035.24%$352.40
Virgin Atlantic World Elite Mastercard®28.24%$282.4035.24%$352.40
Citi® / AAdvantage® Executive World Elite Mastercard®28.24%$282.4036.99%$369.90
American Airlines AAdvantage® MileUp® Mastercard®28.24%$282.4036.99%$369.90
Citi® / AAdvantage® Platinum Select® World Elite Mastercard®28.24%$282.4036.99%$369.90
CitiBusiness® / AAdvantage® Platinum Select® Mastercard®28.24%$282.4036.99%$369.90
Citi Strata Premier℠ Card28.24%$282.4036.24%$362.40
U.S. Bank Altitude® Connect Visa Signature® Card28.24%$282.4036.24%$362.40
Wells Fargo Autograph Journey℠ Card28.24%$282.4036.99%$369.90
Choice Privileges® Mastercard®28.24%$282.4036.99%$369.90
Choice Privileges® Select Mastercard®28.24%$282.4036.99%$369.90
Bilt World Elite Mastercard®28.49%$284.9036.49%$364.90
Bilt Mastercard®28.49%$284.9036.99%$369.90
U.S. Bank Altitude® Reserve Visa Infinite® Card29.24%$292.4036.24%$362.40
Merrick Bank Double Your Line® Visa®31.95%$319.5036.95%$369.50
Capital One Spark Miles for Business32.49%$324.9032.49%$324.90
Avant Credit Card32.99%$329.9036.99%$369.90
Mission Lane Visa® Credit Card33.99%$339.9036.99%$369.90
Discover it® Secured Credit Card35.24%$352.4035.24%$352.40
Platinum Rewards Visa®36.74%$367.4036.74%$367.40
Capital One Platinum Credit Card36.99%$369.9036.99%$369.90
Capital One QuicksilverOne Cash Rewards Credit Card36.99%$369.9036.99%$369.90
Amazon Store Card36.99%$369.9036.99%$369.90
First PREMIER Bank Mastercard®43.00%$430.0043.00%$430.00

These projections are based on the current Prime Rate of 7.00%. Most credit card APRs are variable, calculated as Prime + Margin. The Annual Cost per $1,000 assumes a static $1,000 balance held for exactly 12 months with no other fees or changes in the Prime Rate.

[!IMPORTANT] Avoid Interest: The most effective way to use any credit card is to pay your statement balance in full every month. Interest charges can quickly negate the value of any rewards earned.