Consumers can use free Internet tools to quickly compare credit cards charging the lowest interest rates and fees. One easy-to-use example is Mint.com’s free online calculator, which is found under the website’s Find Savings menu.

The Mint calculator organizes user input into 3 simple steps. This article has 2 additional steps that will help consumers to independently decide which credit cards best fit their financial needs and offer the best money saving ideas.

Specify How Credit Cards are Used

The first step enables consumers to quantify how they intend to use credit cards.

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