Labs
Card cost calculator
See how funding fees, FX, subscriptions, and rewards change your monthly cost.
Preparing the calculator. You can edit when the controls are ready.
This example is a mechanism demonstration, not a real card offer. Replace every assumption with terms you have verified.
01 Spending & funding
All amounts use the calculation currency. Changing it relabels amounts; no exchange rate is applied. Asset and network labels do not fetch a price or fee.
02 Fees & conversion
Include a conversion spread once in the conversion rate. Only enter a separate FX markup when it is an additional charge.
03 Rewards & conditions
04 Separate opportunity-cost assumption
This uses the same currency and displayed manual month. It is separate from fees, locked principal and the existing annual illustration; it is not multiplied by twelve and is not a complete net-cost quote.
Better-fit alternatives
Only the purchase and ATM amounts enter this comparison. Manual fees, reward rates, funding asset/network labels and opportunity costs do not become product terms. Each monthly amount is one teaching transaction; actual transaction counts, fees and limits may differ.
Compare under one common teaching period: the displayed transaction order, principals and card currency are shared; previous ATM use is zero, and no first-physical-card, replacement, closure, eligible inactivity, unsuccessful-dispute, shipping or subscription event occurs. Location and physical-card status remain unknown. Converted principals are shared assumptions before fees, never another issuer’s quote. Funding uses only an explicitly entered principal/channel; no funding amount is inferred.
Source text is retained in its recorded language. Official documents are not a direct product test. Conditional charges below are not automatically recurring monthly charges. A check date is not a contractual effective date. Fee evidence belongs to that field; a refreshed product record does not refresh its fees. Unknown fees are not zero.