{"id":2097,"date":"2026-03-31T23:47:28","date_gmt":"2026-03-31T18:17:28","guid":{"rendered":"https:\/\/creditcardbenefits.org\/?page_id=2097"},"modified":"2026-05-03T18:40:56","modified_gmt":"2026-05-03T13:10:56","slug":"tools","status":"publish","type":"page","link":"https:\/\/creditcardbenefits.org\/?page_id=2097","title":{"rendered":"Tools"},"content":{"rendered":"\n
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 Credit Card Tools<\/h1>\n\n\n\n

 12 powerful credit card tools<\/strong> to help you calculate cashback, compare APR, estimate rewards, find payoff time, and choose the best card for your spending. Free, fast, and accurate.<\/strong><\/p>\n<\/div>\n\n\n\n

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Credit-score-checker<\/h2>\n<\/div>\n\n\n\n

Calculate how much you need to save or how much you will accumulate with SIP<\/p>\n\n\n\nCalculate<\/span><\/path><\/svg><\/span><\/a>\n<\/div>\n\n\n\n

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Grocery Cashback Estimator<\/h2>\n<\/div>\n\n\n\n

Calculate how much you need to save or how much you will accumulate with SIP<\/p>\n\n\n\nCalculate<\/span><\/path><\/svg><\/span><\/a>\n<\/div>\n\n\n\n

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Minimum Payment Calculator<\/h2>\n<\/div>\n\n\n\n

Calculate how much you need to save or how much you will accumulate with SIP<\/p>\n\n\n\nCalculate<\/span><\/path><\/svg><\/span><\/a>\n<\/div>\n\n\n\n

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Rewards Value Calculator<\/h2>\n<\/div>\n\n\n\n

Calculate how much you need to save or how much you will accumulate with SIP<\/p>\n\n\n\nCalculate<\/span><\/path><\/svg><\/span><\/a>\n<\/div>\n\n\n\n

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Budget + Cashback Tool<\/h2>\n<\/div>\n\n\n\n

Calculate how much you need to save or how much you will accumulate with SIP<\/p>\n\n\n\nCalculate<\/span><\/path><\/svg><\/span><\/a>\n<\/div>\n\n\n\n

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Eligibility Checker<\/h2>\n<\/div>\n\n\n\n

Calculate returns for lumpsum investments to achieve your financial goals<\/p>\n\n\n\nCalculate<\/span><\/path><\/svg><\/span><\/a>\n<\/div>\n\n\n\n

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 Savings Goal Tool<\/h2>\n<\/div>\n\n\n\n

Calculate your final amount with Systematic Withdrawal Plans (SWP)<\/p>\n\n\n\nCalculate<\/span><\/path><\/svg><\/span><\/a>\n<\/div>\n\n\n\n

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Annual Fee Calculator<\/h2>\n<\/div>\n\n\n\n

Calculate the returns on your mutual fund investments
<\/a><\/p>\n\n\n\nCalculate<\/span><\/path><\/svg><\/span><\/a>\n<\/div>\n\n\n\n

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APR Interest Calculator<\/h2>\n<\/div>\n\n\n\n

Calculate returns for Sukanya Smariddhi Yojana (SSY) as per your investment
<\/a><\/p>\n\n\n\nCalculate<\/span><\/path><\/svg><\/span><\/a>\n<\/div>\n\n\n\n

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Card Finder<\/h2>\n<\/div>\n\n\n\n

Calculate your returns on the Public Provident Fund (PPF)
<\/a><\/p>\n\n\n\nCalculate<\/span><\/path><\/svg><\/span><\/a>\n<\/div>\n\n\n\n

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Cashback Calculator<\/h2>\n<\/div>\n\n\n\n

Calculate returns for your Employee\u2019s Provident Fund (EPF)
<\/a><\/p>\n\n\n\nCalculate<\/span><\/path><\/svg><\/span><\/a>\n<\/div>\n\n\n\n

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Credit Card Comparison Tool<\/h2>\n<\/div>\n\n\n\n

Check returns on your fixed deposits (FDs) without any hassle
<\/a><\/p>\n\n\n\nCalculate<\/span><\/path><\/svg><\/span><\/a>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n\n\n\n \n \n <\/title>\n <style>\n * {\n margin: 0;\n padding: 0;\n box-sizing: border-box;\n }\n\n body {\n background: linear-gradient(135deg, #eef2f7 0%, #e2e8f0 100%);\n font-family: system-ui, 'Segoe UI', 'Inter', -apple-system, BlinkMacSystemFont, Roboto, sans-serif;\n padding: 1.5rem 1rem;\n min-height: 100vh;\n }\n\n \/* main grid: 3 columns \u00d7 4 row *\/\n .chota-grid {\n max-width: 1000px;\n margin: 0 auto;\n display: grid;\n grid-template-columns: repeat(3, 1fr);\n gap: 14px;\n }\n\n \/* chota box \u2014 small compact style *\/\n .chota-box {\n background: #ffffff;\n border-radius: 20px;\n padding: 0.7rem 0.6rem 0.9rem;\n box-shadow: 0 6px 12px rgba(0, 0, 0, 0.06), 0 1px 2px rgba(0, 0, 0, 0.02);\n transition: all 0.2s ease;\n border: 1px solid #e2e9f0;\n display: flex;\n flex-direction: column;\n align-items: center;\n text-align: center;\n }\n\n .chota-box:hover {\n transform: translateY(-2px);\n box-shadow: 0 12px 18px -6px rgba(0, 0, 0, 0.12);\n border-color: #f0bc6e;\n }\n\n \/* emoji + title (chota style) *\/\n .box-icon {\n font-size: 1.6rem;\n margin-bottom: 4px;\n }\n\n .box-title {\n font-weight: 700;\n font-size: 0.7rem;\n color: #1f4662;\n background: #f0f4fa;\n padding: 3px 10px;\n border-radius: 30px;\n display: inline-block;\n margin-bottom: 8px;\n letter-spacing: 0.3px;\n }\n\n \/* chota inputs *\/\n .chota-box input {\n width: 95%;\n margin: 4px 0 4px;\n padding: 6px 8px;\n border-radius: 40px;\n border: 1px solid #cddde9;\n font-size: 0.7rem;\n text-align: center;\n background: #fefefe;\n transition: 0.12s;\n font-weight: 500;\n }\n\n .chota-box input:focus {\n outline: none;\n border-color: #2e7d64;\n box-shadow: 0 0 0 2px rgba(46, 125, 100, 0.15);\n }\n\n \/* chota button *\/\n .chota-box button {\n background: #226644;\n color: white;\n border: none;\n border-radius: 60px;\n padding: 6px 10px;\n margin-top: 6px;\n font-weight: 700;\n font-size: 0.65rem;\n cursor: pointer;\n transition: all 0.15s;\n width: 90%;\n letter-spacing: 0.4px;\n box-shadow: 0 1px 3px rgba(0,0,0,0.1);\n }\n\n .chota-box button:hover {\n background: #0f4f33;\n transform: scale(0.96);\n }\n\n \/* popup modal result *\/\n .popup-result {\n display: none;\n position: fixed;\n top: 0;\n left: 0;\n width: 100%;\n height: 100%;\n background: rgba(0, 0, 0, 0.6);\n backdrop-filter: blur(5px);\n justify-content: center;\n align-items: center;\n z-index: 1000;\n font-family: system-ui;\n }\n\n .popup-card {\n background: white;\n max-width: 320px;\n width: 85%;\n border-radius: 42px;\n padding: 22px 20px 28px;\n text-align: center;\n box-shadow: 0 30px 45px rgba(0, 0, 0, 0.25);\n animation: bounceIn 0.2s ease;\n border: 1px solid #ffdd99;\n }\n\n @keyframes bounceIn {\n 0% {\n opacity: 0;\n transform: scale(0.95) translateY(15px);\n }\n 100% {\n opacity: 1;\n transform: scale(1) translateY(0);\n }\n }\n\n .popup-emoji {\n font-size: 2.6rem;\n margin-bottom: 8px;\n }\n\n .popup-title {\n font-weight: 800;\n font-size: 1.2rem;\n margin-bottom: 12px;\n color: #1a4c2d;\n }\n\n .popup-message {\n background: #f5faf2;\n padding: 14px;\n border-radius: 28px;\n font-size: 0.9rem;\n font-weight: 600;\n margin: 14px 0;\n color: #1f5438;\n word-break: break-word;\n line-height: 1.4;\n }\n\n .close-popup {\n background: #f5a623;\n border: none;\n padding: 8px 20px;\n border-radius: 40px;\n font-weight: 700;\n cursor: pointer;\n font-size: 0.8rem;\n color: #2d2b20;\n }\n\n .close-popup:hover {\n background: #e59410;\n }\n\n .footer-small {\n text-align: center;\n margin-top: 28px;\n font-size: 0.65rem;\n color: #5d7083;\n max-width: 700px;\n margin-left: auto;\n margin-right: auto;\n }\n\n @media (max-width: 680px) {\n .chota-grid {\n gap: 10px;\n }\n .box-title {\n font-size: 0.65rem;\n }\n .chota-box button {\n font-size: 0.6rem;\n padding: 5px 8px;\n }\n }\n\n @media (max-width: 520px) {\n .chota-grid {\n grid-template-columns: repeat(2, 1fr);\n gap: 12px;\n }\n body {\n padding: 1rem;\n }\n }\n <\/style>\n<\/head>\n<body>\n\n<div class=\"chota-grid\">\n <!-- 12 CHOTE BOXES - each has button that opens popup result -->\n\n <!-- 1. Cashback -->\n <div class=\"chota-box\">\n <div class=\"box-icon\">\ud83d\udcb0<\/div>\n <div class=\"box-title\">Cashback<\/div>\n <input type=\"number\" id=\"cb_spend\" placeholder=\"Spend $\" value=\"200\" step=\"any\">\n <input type=\"number\" id=\"cb_percent\" placeholder=\"%\" value=\"3\" step=\"any\">\n <button onclick=\"openPopup('cashback')\">Result<\/button>\n <\/div>\n\n <!-- 2. Interest -->\n <div class=\"chota-box\">\n <div class=\"box-icon\">\ud83d\udcc9<\/div>\n <div class=\"box-title\">Interest<\/div>\n <input type=\"number\" id=\"int_bal\" placeholder=\"Balance $\" value=\"1000\" step=\"any\">\n <input type=\"number\" id=\"int_apr\" placeholder=\"APR %\" value=\"19\" step=\"any\">\n <button onclick=\"openPopup('interest')\">Result<\/button>\n <\/div>\n\n <!-- 3. Utilization -->\n <div class=\"chota-box\">\n <div class=\"box-icon\">\ud83d\udcca<\/div>\n <div class=\"box-title\">Utilization<\/div>\n <input type=\"number\" id=\"util_used\" placeholder=\"Used $\" value=\"450\" step=\"any\">\n <input type=\"number\" id=\"util_limit\" placeholder=\"Limit $\" value=\"2000\" step=\"any\">\n <button onclick=\"openPopup('utilization')\">Result<\/button>\n <\/div>\n\n <!-- 4. Points Value -->\n <div class=\"chota-box\">\n <div class=\"box-icon\">\u2b50<\/div>\n <div class=\"box-title\">Points<\/div>\n <input type=\"number\" id=\"points_amt\" placeholder=\"Points\" value=\"8000\" step=\"any\">\n <input type=\"number\" id=\"points_cash\" placeholder=\"$ value\" value=\"64\" step=\"any\">\n <button onclick=\"openPopup('points')\">Result<\/button>\n <\/div>\n\n <!-- 5. Fee Profit -->\n <div class=\"chota-box\">\n <div class=\"box-icon\">\ud83d\udcb3<\/div>\n <div class=\"box-title\">Fee Profit<\/div>\n <input type=\"number\" id=\"fee_annual\" placeholder=\"Annual fee $\" value=\"95\" step=\"any\">\n <input type=\"number\" id=\"fee_earn\" placeholder=\"Rewards $\" value=\"400\" step=\"any\">\n <button onclick=\"openPopup('fee')\">Result<\/button>\n <\/div>\n\n <!-- 6. Signup Bonus -->\n <div class=\"chota-box\">\n <div class=\"box-icon\">\ud83c\udf81<\/div>\n <div class=\"box-title\">Bonus<\/div>\n <input type=\"number\" id=\"bonus_spend\" placeholder=\"Min spend $\" value=\"500\" step=\"any\">\n <input type=\"number\" id=\"bonus_value\" placeholder=\"Bonus $\" value=\"200\" step=\"any\">\n <button onclick=\"openPopup('bonus')\">Result<\/button>\n <\/div>\n\n <!-- 7. 0% APR -->\n <div class=\"chota-box\">\n <div class=\"box-icon\">\ud83c\udfaf<\/div>\n <div class=\"box-title\">0% APR<\/div>\n <input type=\"number\" id=\"zero_debt\" placeholder=\"Debt $\" value=\"1500\" step=\"any\">\n <input type=\"number\" id=\"zero_months\" placeholder=\"Months\" value=\"15\" step=\"any\">\n <button onclick=\"openPopup('zeroapr')\">Result<\/button>\n <\/div>\n\n <!-- 8. Balance Transfer -->\n <div class=\"chota-box\">\n <div class=\"box-icon\">\ud83d\udd04<\/div>\n <div class=\"box-title\">Transfer<\/div>\n <input type=\"number\" id=\"trans_amount\" placeholder=\"Amount $\" value=\"2500\" step=\"any\">\n <input type=\"number\" id=\"trans_current_apr\" placeholder=\"APR %\" value=\"22\" step=\"any\">\n <button onclick=\"openPopup('transfer')\">Result<\/button>\n <\/div>\n\n <!-- 9. Rewards Rate -->\n <div class=\"chota-box\">\n <div class=\"box-icon\">\ud83c\udfc6<\/div>\n <div class=\"box-title\">Rewards<\/div>\n <input type=\"number\" id=\"reward_spend\" placeholder=\"Monthly $\" value=\"600\" step=\"any\">\n <input type=\"number\" id=\"reward_percent\" placeholder=\"%\" value=\"2\" step=\"any\">\n <button onclick=\"openPopup('rewardRate')\">Result<\/button>\n <\/div>\n\n <!-- 10. Credit Impact -->\n <div class=\"chota-box\">\n <div class=\"box-icon\">\ud83d\udcc8<\/div>\n <div class=\"box-title\">Credit Impact<\/div>\n <input type=\"number\" id=\"credit_util\" placeholder=\"Current %\" value=\"45\" step=\"any\">\n <input type=\"number\" id=\"target_util\" placeholder=\"Target %\" value=\"20\" step=\"any\">\n <button onclick=\"openPopup('creditImpact')\">Result<\/button>\n <\/div>\n\n <!-- 11. Travel Value -->\n <div class=\"chota-box\">\n <div class=\"box-icon\">\u2708\ufe0f<\/div>\n <div class=\"box-title\">Travel Pts<\/div>\n <input type=\"number\" id=\"travel_points\" placeholder=\"Points\" value=\"30000\" step=\"any\">\n <input type=\"number\" id=\"travel_ratio\" placeholder=\"Ratio 1:\" value=\"1.5\" step=\"any\">\n <button onclick=\"openPopup('travel')\">Result<\/button>\n <\/div>\n\n <!-- 12. Min Payment -->\n <div class=\"chota-box\">\n <div class=\"box-icon\">\ud83d\udcb8<\/div>\n <div class=\"box-title\">Min Payment<\/div>\n <input type=\"number\" id=\"min_balance\" placeholder=\"Balance $\" value=\"1200\" step=\"any\">\n <input type=\"number\" id=\"min_apr\" placeholder=\"APR %\" value=\"18\" step=\"any\">\n <button onclick=\"openPopup('minPayment')\">Result<\/button>\n <\/div>\n<\/div>\n\n<div class=\"footer-small\">\n<\/div>\n\n<!-- POPUP MODAL -->\n<div id=\"resultPopup\" class=\"popup-result\" onclick=\"closePopupOnBg(event)\">\n <div class=\"popup-card\">\n <div class=\"popup-emoji\" id=\"popupEmoji\">\ud83d\udcca<\/div>\n <div class=\"popup-title\" id=\"popupTitle\">Result<\/div>\n <div class=\"popup-message\" id=\"popupMessage\">\u2014<\/div>\n <button class=\"close-popup\" onclick=\"closePopup()\">Close<\/button>\n <\/div>\n<\/div>\n\n<script>\n \/\/ show popup function\n function showPopup(emoji, title, message) {\n document.getElementById('popupEmoji').innerHTML = emoji;\n document.getElementById('popupTitle').innerHTML = title;\n document.getElementById('popupMessage').innerHTML = message;\n document.getElementById('resultPopup').style.display = 'flex';\n }\n\n function closePopup() {\n document.getElementById('resultPopup').style.display = 'none';\n }\n\n function closePopupOnBg(event) {\n if (event.target === document.getElementById('resultPopup')) {\n closePopup();\n }\n }\n\n \/\/ main function called by all buttons\n window.openPopup = function(type) {\n \/\/ Cashback\n if (type === 'cashback') {\n let spend = parseFloat(document.getElementById('cb_spend').value);\n let percent = parseFloat(document.getElementById('cb_percent').value);\n if (isNaN(spend)) spend = 0;\n if (isNaN(percent)) percent = 0;\n let cash = (spend * percent \/ 100);\n showPopup('\ud83d\udcb0', 'Cashback', `$${cash.toFixed(2)} cashback on $${spend.toFixed(2)} at ${percent}%`);\n }\n \/\/ Interest\n else if (type === 'interest') {\n let bal = parseFloat(document.getElementById('int_bal').value);\n let apr = parseFloat(document.getElementById('int_apr').value);\n if (isNaN(bal)) bal = 0;\n if (isNaN(apr)) apr = 0;\n let yearly = (bal * apr \/ 100);\n let monthly = yearly \/ 12;\n showPopup('\ud83d\udcc9', 'Interest', `Yearly: $${yearly.toFixed(2)}\\nMonthly: $${monthly.toFixed(2)}`);\n }\n \/\/ Utilization\n else if (type === 'utilization') {\n let used = parseFloat(document.getElementById('util_used').value);\n let limit = parseFloat(document.getElementById('util_limit').value);\n if (isNaN(used)) used = 0;\n if (isNaN(limit) || limit === 0) {\n showPopup('\u26a0\ufe0f', 'Error', 'Enter valid credit limit');\n return;\n }\n let util = (used \/ limit) * 100;\n let advice = (util > 30) ? '\u26a0\ufe0f Above 30% may lower score' : (util <= 10 && util > 0 ? '\u2705 Excellent' : 'Keep below 30%');\n showPopup('\ud83d\udcca', 'Utilization', `${util.toFixed(1)}% used\\n${advice}`);\n }\n \/\/ Points Value\n else if (type === 'points') {\n let points = parseFloat(document.getElementById('points_amt').value);\n let cashVal = parseFloat(document.getElementById('points_cash').value);\n if (isNaN(points) || points === 0) {\n showPopup('\u2b50', 'Points Error', 'Enter valid points');\n return;\n }\n if (isNaN(cashVal)) cashVal = 0;\n let valuePerPoint = cashVal \/ points;\n showPopup('\u2b50', 'Points Value', `$${valuePerPoint.toFixed(3)} per point\\nTotal value: $${cashVal.toFixed(2)}`);\n }\n \/\/ Fee Profit\n else if (type === 'fee') {\n let fee = parseFloat(document.getElementById('fee_annual').value);\n let earn = parseFloat(document.getElementById('fee_earn').value);\n if (isNaN(fee)) fee = 0;\n if (isNaN(earn)) earn = 0;\n let net = earn - fee;\n let msg = (net >= 0) ? `\u2705 Profit: $${net.toFixed(2)}` : `\u26a0\ufe0f Loss: $${Math.abs(net).toFixed(2)}`;\n showPopup('\ud83d\udcb3', 'Fee Profit', msg);\n }\n \/\/ Signup Bonus\n else if (type === 'bonus') {\n let spend = parseFloat(document.getElementById('bonus_spend').value);\n let bonus = parseFloat(document.getElementById('bonus_value').value);\n if (isNaN(spend)) spend = 0;\n if (isNaN(bonus)) bonus = 0;\n if (spend <= 0 || bonus <= 0) {\n showPopup('\ud83c\udf81', 'Bonus', 'Enter spend & bonus amount');\n return;\n }\n let eff = (bonus \/ spend) * 100;\n showPopup('\ud83c\udf81', 'Signup Bonus', `$${bonus} bonus after $${spend} spend\\n= ${eff.toFixed(1)}% return`);\n }\n \/\/ 0% APR Savings\n else if (type === 'zeroapr') {\n let debt = parseFloat(document.getElementById('zero_debt').value);\n let months = parseFloat(document.getElementById('zero_months').value);\n if (isNaN(debt)) debt = 0;\n if (isNaN(months)) months = 0;\n if (debt <= 0 || months <= 0) {\n showPopup('\ud83c\udfaf', '0% APR', 'Enter debt & months');\n return;\n }\n let standardAPR = 0.22;\n let monthlyRate = standardAPR \/ 12;\n let saved = debt * monthlyRate * months;\n showPopup('\ud83c\udfaf', '0% APR Savings', `Save ~$${saved.toFixed(2)} interest over ${months} months`);\n }\n \/\/ Balance Transfer\n else if (type === 'transfer') {\n let amount = parseFloat(document.getElementById('trans_amount').value);\n let currentApr = parseFloat(document.getElementById('trans_current_apr').value);\n if (isNaN(amount) || amount <= 0) {\n showPopup('\ud83d\udd04', 'Transfer', 'Enter transfer amount');\n return;\n }\n if (isNaN(currentApr)) currentApr = 0;\n let monthsHeld = 12;\n let monthlyRateCurrent = (currentApr \/ 100) \/ 12;\n let interestPaid = amount * monthlyRateCurrent * monthsHeld;\n let savings = interestPaid; \/\/ because intro 0%\n if (savings < 0) savings = 0;\n showPopup('\ud83d\udd04', 'Balance Transfer', `Save $${savings.toFixed(2)} vs ${currentApr}% APR over 12 months`);\n }\n \/\/ Rewards Rate\n else if (type === 'rewardRate') {\n let spend = parseFloat(document.getElementById('reward_spend').value);\n let percent = parseFloat(document.getElementById('reward_percent').value);\n if (isNaN(spend)) spend = 0;\n if (isNaN(percent)) percent = 0;\n let monthly = (spend * percent \/ 100);\n let yearly = monthly * 12;\n showPopup('\ud83c\udfc6', 'Rewards Earnings', `Monthly: $${monthly.toFixed(2)}\\nYearly: $${yearly.toFixed(2)}`);\n }\n \/\/ Credit Impact\n else if (type === 'creditImpact') {\n let current = parseFloat(document.getElementById('credit_util').value);\n let target = parseFloat(document.getElementById('target_util').value);\n if (isNaN(current)) current = 0;\n if (isNaN(target)) target = 0;\n let diff = current - target;\n let advice = diff > 5 ? '\ud83d\udc4d Good improvement for credit score' : (diff > 0 ? 'Small positive change' : 'Increase may hurt score');\n showPopup('\ud83d\udcc8', 'Credit Impact', `${current}% \u2192 ${target}%\\nReduction: ${diff.toFixed(1)}%\\n${advice}`);\n }\n \/\/ Travel Transfer Value\n else if (type === 'travel') {\n let points = parseFloat(document.getElementById('travel_points').value);\n let ratio = parseFloat(document.getElementById('travel_ratio').value);\n if (isNaN(points)) points = 0;\n if (isNaN(ratio)) ratio = 1;\n let equivalent = points * ratio;\n showPopup('\u2708\ufe0f', 'Travel Transfer', `${points} pts \u2192 ${equivalent.toFixed(0)} miles\\nRatio 1:${ratio.toFixed(2)}`);\n }\n \/\/ Min Payment Interest\n else if (type === 'minPayment') {\n let balance = parseFloat(document.getElementById('min_balance').value);\n let apr = parseFloat(document.getElementById('min_apr').value);\n if (isNaN(balance)) balance = 0;\n if (isNaN(apr)) apr = 0;\n let monthlyInterest = (balance * (apr \/ 100)) \/ 12;\n let yearlyCost = monthlyInterest * 12;\n showPopup('\ud83d\udcb8', 'Min Payment', `Monthly interest: $${monthlyInterest.toFixed(2)}\\nYearly cost: $${yearlyCost.toFixed(2)}`);\n }\n else {\n showPopup('\ud83d\udce6', 'Tool', 'Click on any box button!');\n }\n }\n\n \/\/ sanitize negative numbers on all input fields\n window.addEventListener('DOMContentLoaded', function() {\n let allInputs = document.querySelectorAll('input[type=\"number\"]');\n allInputs.forEach(inp => {\n inp.addEventListener('blur', function() {\n let val = parseFloat(this.value);\n if (isNaN(val)) this.value = '';\n else if (val < 0) this.value = 0;\n });\n });\n });\n<\/script>\n<\/body>\n<\/html>\n","protected":false},"excerpt":{"rendered":"<p> Credit Card Tools  12 powerful credit card tools to help you calculate cashback, compare APR, estimate rewards, find payoff time, and … <\/p>\n<p class=\"read-more-container\"><a title=\"Tools\" class=\"read-more button\" href=\"https:\/\/creditcardbenefits.org\/?page_id=2097#more-2097\" aria-label=\"Read more about Tools\">Read more<\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-2097","page","type-page","status-publish"],"_links":{"self":[{"href":"https:\/\/creditcardbenefits.org\/index.php?rest_route=\/wp\/v2\/pages\/2097","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/creditcardbenefits.org\/index.php?rest_route=\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/creditcardbenefits.org\/index.php?rest_route=\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/creditcardbenefits.org\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/creditcardbenefits.org\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=2097"}],"version-history":[{"count":5,"href":"https:\/\/creditcardbenefits.org\/index.php?rest_route=\/wp\/v2\/pages\/2097\/revisions"}],"predecessor-version":[{"id":2413,"href":"https:\/\/creditcardbenefits.org\/index.php?rest_route=\/wp\/v2\/pages\/2097\/revisions\/2413"}],"wp:attachment":[{"href":"https:\/\/creditcardbenefits.org\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=2097"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}