Quick answer
Adding $75/month can noticeably shorten payoff and reduce total interest, especially when APR is high and the balance is large.
Run the calculator (pre-filled)
Open the payoff calculator with $75 extra already filled in.
Why extra payments work so well
Credit card interest is based on your remaining balance. Paying extra reduces the balance sooner, which reduces future interest, which means more of your next payment goes toward the balance. That “snowball” effect is why small extra payments can matter.
Tip: If you’re not sure what payment is realistic, try
+$25,
+$50, and
+$100
and compare results side-by-side.