Credit Card Education Tool
Credit Card Reward vs Interest Simulator
Estimate how rewards, annual fees, interest cost, and foreign-transaction drag interact over a year. Compare two scenarios side-by-side before deciding how to use credit.
Educational estimate only. Not lender calculation.
Scenario Control
Input Workspace
Scenario A Inputs
All values are annualized estimates based on your monthly behavior.
Live Snapshot
Current scenario indicator
Profitable
Net result estimate
CAD 571.20
Tip: keep balance-carry fields at zero when you pay in full monthly.
Balance Carry and Interest Risk
Balance, interest rate, and carry months fields are paused while “Carry a balance” is off.
Foreign Transaction Cost
Educational estimate only. Not lender calculation.
Related tools: Financial Command Center, Mortgage Basics Canada.