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Jason makes a credit card purchase for $3000 that compounds interest daily. The APR is 4%. How much interest is earned on Jason's card after 1 year if Jason makes no payments?

a) The amount of interest earned on Jason's card after 1 year is $120.
b) The amount of interest earned on Jason's card after 1 year is $123.
c) The amount of interest earned on Jason's card after 1 year is $124.
d) The amount of interest earned on Jason's card after 1 year is $125.

User Greperror
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1 Answer

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Final answer:

The amount of interest earned on Jason's card after 1 year is $123.29. Correct option is b)

Step-by-step explanation:

To find the amount of interest earned on Jason's credit card after 1 year, we need to use the formula for compound interest:

A = P(1 + r/n)^(nt)

Where:

A is the final amount (including principal and interest)

P is the initial principal (the credit card purchase amount)

r is the annual interest rate (4% or 0.04)

n is the number of times the interest is compounded per year (365 for daily compounding)

t is the number of years (1 in this case)

Plugging in the values for Jason's purchase, we get:

A = 3000(1 + 0.04/365)^(365*1)

Simplifying this equation, we find that the final amount after 1 year is approximately $3123.29.

To calculate the amount of interest earned, we subtract the initial principal from the final amount:


Interest = 3123.29 - 3000 = $123.29.

Therefore, the correct answer is $123.29, option b).

User Scottheckel
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