Your credit card minimum payment will vary based on the balance you owe on the card. The minimum monthly payment is generally 3% of the total amount owed, or a $10 – $25 fee plus interest and possible fees (whichever amount is greater). If you’ve elected for paper or electronic monthly statements from your credit card provider, the minimum payment will be displayed on the top portion of your statement. While the minimum monthly payment is all you need to pay to avoid paying penalties, only paying the minimum amount due each month will drastically prolong the time it will take to clear your debt, as the monthly interest will keep accumulating.