FREE CALCULATOR

Find your best credit card due date

Keep up to 95% of this card's activity in one calendar month. Enter your current dates below to find the payment date to request from your card issuer.

Current statement date

Current payment date

Your grace period 25 days

Best monthly payment date to request 26th

2nd best monthly payment date to request 27th

3rd best monthly payment date to request 28th

Call your card issuer and ask to move your payment due date to the date above, which lands your statement closing date on the 1st of the month — no fee, no credit score impact.

How it works: Your statement closing date is set by your payment due date minus your grace period. By moving your due date, you shift your closing date too, ideally landing it on the 1st of the month so nearly all your spending falls in one calendar month, making it far easier to budget and track.