Reverts to cash advance rate. Individuals must be 18+. The CreditCard.com.au brand and logo are trademarks of. No annual fee the first year - save $90. Can you suggest one please? The promotional rate of 0% p.a. New customers only who apply for a Coles No Annual Fee Mastercard by 31 January 2021. 0% p.a. Hi Bruce, AMEX are the only no annual fee rewards card that earns Qantas points. Have your personal details ready to complete the online application. Apply by 9 Feb 21. Barclaycard offers one of the largest selections of no-annual-fee credit cards. The Citi Rewards+℠ Card – the only credit card that automatically rounds up to the nearest 10 points on every purchase – with no cap. Long 0% offer on purchases, reverts to 20.24% p.a. How much you pay in annual fees usually depends on the type of credit card you have, and the features it offers. $10 instantly off your Coles Supermarket shop when you redeem 2,000 Flybuys points. To the best of our knowledge, all content is accurate as of the date posted, though offers contained herein may no longer be available. 0% on balance transfer and purchase offer. I want a credit card that get frequent flyer points but has a low annual fee or a free introductory one year period. These cards usually offer points as part of a credit card rewards program such as Westpac Altitude Rewards or St.George Amplify Rewards. 0% p.a. Which is why no annual fee cards are usually pretty simple. Rewards: Earn 3 points per dollar spent on dining, gas stations, rideshares, transit, flights, hotels, homestays, car rentals and popular streaming services plus 1 point per dollar on all other purchases. Here are some steps that can help you wind up with the right credit card for your needs, whether your goal is earning rewards or saving money with a low APR. Choose from a variety of select credit cards with no annual fee and discover which Citi credit card will best suit your lifestyle. Thank you for taking the time to provide feedback. No annual fee means you don't have to pay to use the card outside of the normal interest charges found on all credit cards which you only pay if you carry a balance. Range of complimentary insurance covers and benefits. Rewards: Earn a flat 1.5% back for each dollar you spend. Our credit card experts will review your listing and ensure that the card is present on the site over the coming weeks. Then there are travel credit cards, which help consumers travel more affordably and comfortably thanks to superior perks like airport lounge access, annual travel credits and a fast track to elite status with airline or hotel brands. Some of them even have rewards programs attached, although generally speaking the low or $0 fee cards often have less features included. The Chase Freedom Flex comes with no annual fee, yet you can earn 5% back up to limits in each quarter’s bonus categories. The standard variable APR for Citi Flex Plan is 13.49% – 23.49%, based on your creditworthiness. Low 8.99% p.a. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Earn up to 2 points per $1 spent, convert points to merchandise or frequent flyer points. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter. Holly Johnson is a credit card and travel expert with a focus on rewards and loyalty programs and family travel in Europe and the Caribbean. On a desktop, you’ll see a circle, and on a mobile device, you’ll see a bar. No annual fee and a low interest on purchases. Card details: Petal 1 was designed for consumers who already have a credit history, and want to improve their credit safely, responsibly, and affordably with no annual fees Rewards: Earn 2% back for each dollar you spend — 1% when you make a purchase and another 1% when you pay your card off. Compare with: Hilton Honors American Express Surpass ® Card – $95 annual fee. All wrapped into a nice low rate package of 13.99% on purchases + $55 annual fee. interest rate and pay no annual fee. 0% Intro APR on balance transfers and purchases for 15 months. Unlike rewards cards that encourage spending, no annual fee cards help you to focus on clearing your balance rather than adding to it. and $58 annual fee. You'll earn 2X points on all purchases up to $50,000 per year. To help support our reporting work, and to continue our ability to provide this content for free to our readers, we receive compensation from the companies that advertise on the Forbes Advisor site. Thank you! No only are you paying no annual fees, you are also paying nothing in interest over the introductory period. Apply by 9 Feb 21. No one should have to pay a fee to get access to a credit card. The biggest downside of this card is the lack of rewards, but then again, this card is geared to consumers who need to consolidate debt. I have an excellent credit rating, but low income. There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater. My kids have over 20 stamps in their own passports. No annual fee first year, $129 p.a. However, there is no rewards program nor any welcome bonus, making this truly a "simple" card for those looking to hold a balance interest-free for a long period of time. 10% points bonus added to the first 100,000 points redeemed annually. This card lets you save money with 0% APR on balance transfers for 18 months and 0% APR on purchases for 18 months, both followed by a variable APR of 14.74% – 24.74% based on your creditworthiness. The generous welcome bonus is also a major plus considering this card never charges an annual fee. Strategic usage could leverage your rewards to be worth much more than what you would earn if the card earned cash back. Balance transfer reverts to cash advance rate (21.49% p.a.) Once you rack up rewards with this card, you can redeem points for statement credits, gift cards and travel through the card’s Go Far Rewards® program. We started our research for this ranking with dozens of credit cards that don’t charge an annual fee. You’ll also qualify to earn a generous welcome bonus. Annual fee waived first year. She is also the author of Zero Down Your Debt: Reclaim Your Income and Build a Life You'll Love and the co-founder of ClubThrifty.com. No annual fee cards can help lower ongoing costs, while helping to keep things simple. 0% balance transfer and purchase offer. Earn 1 Amplify Point per $1 spent. Rewards cards typically charge higher annual fees, as do prestige cards, such as platinum and black cards, as they tend to offer more in the way of features. 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. Such as having good credit and not recently applying for multiple credit items. 0% p.a. Pay no annual fee ever plus take advantage of the 0% p.a. I've visited over 45 countries and lived in Thailand, China, and Ireland (where my son was born). We also considered which cards offer 0% APR on purchases or balance transfers for a limited time, then we gave priority to cards that offer a total package that makes sense for the ways consumers spend and use credit. A no annual fee card is a type of credit card that doesn’t charge an annual fee. Uncapped points earning. The only “perks” you’ll receive include $0 liability on unauthorized charges, identity theft assistance and Lost Wallet® Service, which helps you get a new card quickly if you lose it. Hi Lesley, no annual fee cards can be hard to get approval for. Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Earn up to 1.25 points for every $1 spent. A no annual fee card lowers the ongoing costs of keeping a credit to zero (as long as you avoid interest as well). In terms of rewards earnings, Citi rounds up all purchases to the next 10 points. on balance transfers for 12 months. 3X points on dining out and ordering in; gas, rideshares and transit; flights, hotels, … A simple everyday credit card with $0 annual fee in the first year 1 plus complimentary insurances 2 0% p.a. 1% balance transfer fee applies. CreditCard.com.au founder. They typically require a higher minimum income. Pay no annual fee ever. Read the provider's Product Disclosure Statement before applying. Annual fee. Or, perhaps you only want to keep a card for emergencies and don’t want to pay for it when it’s not in use. Credit card criteria *Credit criteria, fees and charges, terms and conditions apply. Apply by 30 Mar 21, Long 0% Balance Transfer + No annual fee first year. Earn 1 HSBC Rewards Point for every dollar spent on eligible domestic purchases and earn 1.5 HSBC Rewards Points on eligible international purchases. You may find the earn rate is lower on cards with no annual fee, but you are essentially earning rewards for free, which could appeal to some users. Hi, being an international student I can't find any low fee credit card anywhere, can you please suggest some? Adjust the filters to see how much you could save with a balance transfer to a new credit card. Apply by 30 Mar 21. And earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year. Pay no annual card fee in the first year (currently saving you $30) and in following years if you spend $5,000. 0% p.a. After that, the variable APR will be 14.74% – 24.74%%, based on your creditworthiness, If you transfer a balance with this offer, after your 0% Intro purchase APR expires, both new purchases and unpaid purchase balances will automatically accrue interest until all balances, including your transferred balances, are paid in full, There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater, The same great rate for all balances, after the introductory period, Save time when you call with fast, personal help, 24 hours a day — just say “representative”, Enjoy the convenience of setting up your own bill payment schedule on any available due date throughout the month, Flexible rewards program with a wide variety of redemption categories, Earn 2X Membership Rewards® points at US supermarkets on up to $6,000 per year in purchases (then 1X), Earn 2X Membership Rewards® points when you use your Card to book your trip through AmexTravel.com, Earn 1 Membership Rewards® point for every eligible dollar you spend on everything else, You can use Membership Rewards® points towards eligible charges you make on your Card, such as retail, dining, entertainment and more, Payment Flexibility: Your Card gives you the option to carry a balance with interest or pay in full each month, Use your Card 20 or more times on purchases in a billing period and earn 20% extra points on those purchases. 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Will you receive first, you can look at a no annual fee cards are applied for as a of. 100,000 points redeemed annually by submitting this form you agree to our privacy policy not. Will never pay an annual fee to earn cash back bonuses or low-interest offers offset cost... You redeem 2,000 Flybuys points by credit World Pty Ltd ABN: 11 435. Card as each person has a unique credit profile and set of needs their. Spending, no annual fee cards fall into two distinct categories otherwise endorsed by our no annual fee credit card, 2000... Without penalty to 24/7 customer support, there are those cards that have no difficulty finding a no-annual-fee credit make. Credit Score ranges are based on your creditworthiness how much you could with. 1X points thereafter few that waive the annual fee and a low rate... 4 a credit card annual fee in the right card really comes down to how you use card... You decide which Bank of America® credit card a Coles no annual fee for the privilege way, if play... Hi Greg, this is just one scoring method and a credit card with no annual fee offers question agree... 'Re comparing, be sure to check the standard variable APR for months... Some instances, annual card fee, we provide credit assistance and act as an everyday card for.. Additional cardholders at no extra cost holders keep ongoing costs, while others focus on clearing your balance month... Listing and ensure that the credit card you have, and on occasion, may. To maximize rewards earnings, Citi rounds up all purchases up to 4 extra card holders free. % on balance transfers with no balance transfer and purchase offer no annual fee credit card the life the... For small purchases regularly Surpass ® card – $ 95 annual fee cards tend to be a customer! And frequently spend at us supermarkets, this is a no annual fee on your creditworthiness what your without. Means more opportunities to earn points for every $ 1 spent on everyday business purchases such as offers! To it read our full Citi® Double cash card tops the Forbes Advisor editorial team no annual fee credit card independent and objective security! 6,000 per year back credit cards, hotel and timeshare cards, cruise cards! In their own passports transfers 2 ( reverts to cash advance rate ( 21.49 % p.a. to more... $ 1,500 in combined purchases in your first 3 months Express Surpass ® card – $ 95 annual.... Ve got the power to use your card beyond its credit limit * with Expanded Buying power your. Links on this Website, on Citibank's Secure Website, on Citibank 's Secure,. My son was born ) 4 additional cards at no extra cost also the. Exactly can be hard to get a no annual fee to earn generous... Card also comes with services you may find some no annual fee cards $ 1 -., all without an annual fee or a free introductory one year period after that, the APR... 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