It pays to pay with OnestpayKeep your debit card.
Link the card you already use. Keep your existing bank account.
Credit Card Payoff Calculator
OnestPay · Your debit card. Your path to wealth.
Less interest.
More freedom.
Small cashback. A shorter road to debt-free.
Put cashback from planned purchases through OnestPay toward your credit-card balance. Your existing debit card can help turn small rewards into meaningful progress.
See what your cashback could do ↓
Small earnings. A bigger purpose.
Your debit card becomes a vehicle
for progress.
You do not have to find another dollar in your budget for the extra payment illustrated here. Give the cashback from your planned purchases a job: reduce principal, lower future interest, and move closer to becoming free of credit-card debt.
Reward planned spending.
Pay through OnestPay at eligible stores and earn the cashback shown in the current offer.
Give cashback a purpose.
Arrange to apply earned rewards as extra payments toward your credit-card balance, subject to your issuer’s rules.
Build momentum.
A smaller balance can mean less interest and an earlier payoff, assuming no new charges. Use the calculator to see your potential difference.
Your debit card is the starting point for earned rewards, not an investment product. You arrange loan payments separately; OnestPay does not automatically apply cashback to your loan.
Enter your monthly cashback estimate
Enter the amount you expect to set aside each month. Need an estimate? Use the cashback calculator → The $60.00 sample below is illustrative; it is not a promised reward.
Give your rewards a purposeChoose your goal.
Choose your goal.
See what cashback could change.
Every cashback dollar can support a goal that matters to you. Consider putting your rewards toward reducing debt or adding to long-term savings.
Pay off your mortgage earlier
Put cashback toward extra principal payments and work toward owning your home sooner.
Explore calculator →Pay off your car loan earlier
Use cashback for additional loan payments and reduce your remaining balance.
Explore calculator →Pay off your student loan earlier
Direct cashback toward your student-loan balance and keep moving toward your payoff goal.
Explore calculator →Pay down credit-card debt
Apply cashback toward your credit-card balance and work toward becoming debt-free.
Explore calculator →Build your retirement fund
Set cashback aside for retirement and make saving a regular habit.
Explore calculator →Build college savings
Set cashback aside for future tuition, books and education expenses.
Explore calculator →Build your investments
Contribute cashback regularly and explore its potential over time.
Explore calculator →Save for a home down payment
Put cashback toward the down payment on your future home.
Explore calculator →Your Payoff Advantage
Congratulations! With $0 in additional contributions from your pocket, your everyday cashback could help you make real progress.
You could save $877.60 in interest and pay off your credit-card balance 11 mo earlier.
By putting $60.00 of monthly cashback toward your credit-card balance, you could reduce what you pay in interest while moving closer to being debt-free. Your regular loan payment continues as usual.
Show the calculation
Time saved11 mo
Interest saved$877.60
| Compare outcomes | Without cashback | With cashback |
|---|---|---|
| Monthly payment* | $250.00 | $310.00 |
| Payoff time | 3 yr 9 mo | 2 yr 10 mo |
| Total interest | $3,241.79 | $2,364.20 |
| Monthly extra payment | $0.00 | $60.00 |
| Total paid | $11,241.79 | $10,364.20 |
*The final payment may be smaller. This illustration applies $60.00 in estimated cashback as an extra monthly payment.
Illustrative estimates only. Loan calculations assume a constant rate, monthly interest and payments, and extra cashback applied to principal each month. They exclude fees, penalties and changes in rewards. Savings calculations assume a constant annual return, monthly compounding and end-of-month contributions; they exclude taxes, fees and inflation. Returns can vary and losses are possible. Results are not guarantees.
These are ideas for using your rewards, not automatic OnestPay services. Each illustration applies the full monthly cashback estimate to one goal. Any payments or contributions must be arranged separately. Consider your loan terms and retirement-account rules before making additional payments or contributions.
The bigger picture
Small rewards can change
your payoff story.
You might see a few dollars of cashback as spending money. Put those dollars toward your credit-card balance instead, and they can help reduce the interest you owe in the months ahead.
Based on your calculator inputs
Your cashback could save $877.60 in interest.Directing $60.00 in earned cashback each month toward your credit-card balance could help you finish $60.00 earlier. That is progress from rewards on planned spending, while your regular $250.00 credit-card payment continues. This assumes no new charges.
Cashback directed each year$720.00
Extra out-of-pocket contribution$0
A little clarity before you begin.
Does “$0 extra” mean my credit-card debt costs nothing?
No. You still pay for your purchases and make your regular credit-card payments. It means the additional loan contribution in this illustration is funded entirely by cashback you earn, rather than additional money from your pocket.
Will my debit card earn OnestPay cashback everywhere?
No. Cashback applies to eligible purchases made through OnestPay at eligible stores, according to the current offer. Simply linking your card does not earn rewards on ordinary debit-card transactions.
Does OnestPay pay my card issuer automatically?
No. You must arrange any extra payment separately. Check your card issuer’s payment instructions and how payments are allocated across balances.
Is the illustrated cashback or interest saving guaranteed?
No. Actual cashback depends on your purchases and store offers. Results assume a fixed payment and APR, no new purchases, and monthly interest. Actual credit-card interest, fees and payment allocation may differ. The calculator uses simplified assumptions and excludes fees and penalties.
Ideas for your next step
Explore credit-card payoff insights
Learn more about the concepts behind your calculator.
Blog preview · Credit-Card Payoff
Why Fixed Payments Matter in a Payoff Estimate
Understand why this calculator assumes a consistent payment and no new purchases.
Blog preview · Credit-Card Payoff
Using Cashback to Reduce Credit-Card Interest
Compare repayment with and without an extra monthly cashback contribution.
Blog preview · Credit-Card Payoff
Making Sense of Your Debt Payoff Timeline
Understand the relationship between your balance, interest rate and monthly payment.
Editorial previews for planned blog articles.