IS A LOWER APR WORTH PAYING AN ANNUAL FEE?

To determine which credit card is right for you, ask yourself how you plan to make payments. For instance, if you plan to pay off your balance every month, the annual percentage rate (APR) won't apply, so there's no need to pay an annual fee. On the other hand, if you plan to carry a balance, a lower rate with an annual fee may end up saving you more. Try several scenarios with the calculator below.

Good to Know: Compare a credit card with a higher APR and no annual fee to one with an annual fee but lower APR. Depending on how long you plan to have the card, you may also wish to enter an introductory "teaser" rate to help you decide.

Compare and Save
Have you heard that TruWest Credit Union's VISA cards feature low interest rates and other money-saving benefits? Learn more!