Read the provider's Product Disclosure Statement before applying. These cards might still come with features such as the rewards programs typical of higher-fee cards, but generally the lower the fee, the fewer bells and whistles. Any additional services you may choose to use, like balance transfers, might require a fee. 10% off your Woolworths shop once a month. If you’re looking for a business credit card with no annual fee, consider the Ink Business Unlimited Credit Card. The generous welcome bonus is also a major plus considering this card never charges an annual fee. Firstly, there are those cards that have no annual fee for the life of the card. This card is also light on benefits. Apply by 30 Mar 21. Balance Transfer Offer: 0% intro APR on Balance Transfers for 18 months. To the best of our knowledge, all content is accurate as of the date posted, though offers contained herein may no longer be available. TIP: If the card offers more features, you may find the purchase rate is higher. Just make sure you’re prepared to pay all your credit card balances off each month so don’t pay interest on your purchases. Apply by 9 Feb 21. No Annual Fee Mastercard ® holders If you currently have a No Annual Fee Mastercard ® nothing has changed. I always pay balance at end month, CreditCard.com.au. Up to 55 days interest free on eligible purchases. Apply by 9 Feb 21. These programs offer rewards that usually include travel, merchandise, cash and point transfers to frequent flyer programs. With this type of card, you pay no annual fee as long as you spend a certain amount on the card each year. Up to 3 free additional card holders. Bonus Offer: Earn 15,000 bonus points after you spend $1,000 in purchases with your card within 3 months of account opening; redeemable for $150 in gift cards at thankyou.com. No balance transfer fee. From fraud protection to 24/7 customer support, there’s help at hand whether you’re at home or away. Amazingly, many credit cards that offer powerful benefits don’t even charge an annual fee. If you plan to carry a balance on your card, you should definitely consider a credit card that offers 0% APR on purchases or balance transfers for a limited time. Balance transfer reverts to cash advance rate (21.49% p.a.) If you plan to keep the card in the long term, make sure you can afford the standard annual fee, and that it provides good value for what’s on offer. This is just one scoring method and a credit card issuer may use another method when considering your application. Make sure you can rack up the most rewards based on where you spend the most money for starters, but also check out redemption options to see how you could cash in your points later on. On American Express's Balance transfer reverts to cash advance rate (21.49% p.a.) 0% Intro APR on balance transfers and purchases for 15 months. Compare credit cards with no annual fees. Always clear your balance each month to avoid interest accruing, and to really make the most of those annual fee savings. This is especially true if you spend a lot in this card’s bonus categories, which include dining, gas stations, rideshares, transit, flights, hotels, homestays, car rentals and popular streaming services. I am a senior receiving the Age Pension. Hi Lesley, no annual fee cards can be hard to get approval for. That makes this card a good choice if you want to earn rewards without paying interest on purchases for over a year. I would look at major banks. Reverts to cash advance rate. It’s been named Best Credit Card for Travellers in 2020’s Finder Awards, and Best No Annual Fee Platinum Credit Card in 2019’s Mozo Expert Choice Awards. Help avoiding late fees. While some cards charge no annual fee for the life of the card, other cards provide no annual fee offers. Earn 1 CUA Platinum Rewards Point per $1 spent. Is it possible to cancel these cards after the first year, or will I be locked in for a period of time? When used wisely, credit cards can become powerful tools for your finances. No international transaction fees, no annual fees or currency conversion fees. Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. $49 Annual fee after the first year. No annual fee the first year - save $30. Compare rewards programs. If you want a credit card in order to rack up rewards or take advantage of consumer protections, a credit card with no annual fee is an easy choice. All transfers must be completed in first 4 months. 0% balance transfer offer. Most no annual fee cards have a higher minimum income requirement. Up to 4 additional cards at no extra cost. 0% p.a. The right card for you will depend on how much you spend. Before you sign up for a credit card, you should think over what you hope to get out of the situation. In addition, there are no annual fee credit card offers available to people of all credit levels – from bad credit to excellent credit. Secure Website, On Citibank's Secure 0% balance transfer and purchase offer. These types of cards can work well for a variety of cardholders. This means that a $24 dinner out with friends will net you 30 points instead of 24, or that a $3 bagel on your way to work will help you earn 10 points instead of just 3. While no annual fee cards tend to be basic in nature, some can offer extras such as introductory offers. Ask a our credit card expert a question. Balance transfer. While you're comparing, be sure to check the standard annual fee too. Pay no annual fee ever plus take advantage of the 0% p.a. Benefits and Drawbacks: The Citi Rewards+℠ Card lets you earn double rewards at U.S supermarkets and gas stations on up to $6,000 in spending each year, but this card will also round up your rewards on each purchase you make. Citi® Double Cash Card – 18 month BT offer. Benefits and Drawbacks: The Citi Simplicity® Card is the best credit card with no annual fee for balance transfers due to the fact you get a full 18 months at 0% APR. Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening. 10% points bonus added to the first 100,000 points redeemed annually. thereafter. Rewards: Earn a flat 1.5% back for each dollar you spend. There is no one best no annual fee cash back card as each person has a unique credit profile and set of needs. Up to 3 free additional card holders and up to 55 days interest free on purchases. As you compare the options on CreditCard.com.au, think about the following factors and how they may affect you: One of the biggest mistakes you can make with a no annual fee card is to carry a balance. Complimentary international travel insurance. Not only can you redeem rewards for cash back or statement credits, but you can also cash in points for travel, gift cards, merchandise and experiences. But finding a no-annual-fee credit card with rewards is an extra special treat. Apply by 30 Mar 21, Long 0% Balance Transfer + No annual fee first year. They typically require a higher minimum income. Both what we can track and other cards we do not. Can you suggest one please? Even though we provide information and assistance on credit cards in Australia, we are not suggesting that you apply for any particular product from any of the credit card providers listed. Let’s take a look. Whether a no annual fee card is right for you will usually depend on how you use it. Apply by 30 Mar 21. Pay no annual fee ever. And when you don’t need it, you’re not paying for it. Eligible with Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, and Garmin Pay. The Citi Rewards+℠ Card is an intriguing option as an everyday card for small purchases. No balance transfer fee. balance transfer and purchase offer for the first 12 months. And while these cards will still require the upfront cost of a refundable security deposit, you get the flexibility that comes with choosing your credit limit and setting your personal credit card budget. No Late Fees, No Penalty Rate, and No Annual Fee… Ever, 0% Intro APR on balance transfers for 18 months from date of first transfer. for 17 months on purchases. Website. No annual fee. If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month. Earn up to 1.25 points for every $1 spent. My passion lies in showing families how to travel more while keeping their savings and sanity. Up to 9 free additional card holders. Other cardholder benefits include secondary auto rental coverage, travel and emergency assistance, roadside dispatch, purchase protection against damage or theft and extended warranties on eligible items. No annual fee and a low interest on purchases. Low 11.50% p.a. Earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year. And consumers will have no difficulty finding a credit card that doesn’t charge an annual fee. Card providers generally charge this fee for providing both access to credit, and access to the various features and rewards the card may offer. Great low rate on purchases. for 17 months on purchases, reverts to 20.24% p.a. Tap & Pay with Apple and Samsung Pay. No minimum to redeem for cash back. Hi when you refer to “rewards” on credit cards what are they and how do you redeem them. You’ll also earn 1% back on all your non-bonus spending. As an added bonus, this card comes with extra perks including cell phone insurance, purchase protection against damage or theft, extended warranties, lost luggage protection, secondary auto rental coverage, roadside assistance and more. Thanks. For full time students earning $15,000 p.a. Also known as a ‘no fee’ credit card, a no annual fee card is designed to help cardholders save money. Protection guarantee, 24/7 Global customer service for this ranking with dozens of credit card is to. Save with a card with good reason 100,000 points redeemed annually some instances, annual fee transfer applies. Introductory period every credit card without out of pocket cost offer extras such as introductory offers the Australian market frills. 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