Unlike rewards cards that encourage spending, no annual fee cards help you to focus on clearing your balance rather than adding to it. Make sure you can get approved for the Loading... Make sure you can get approved for the Westpac Low Rate Credit Card, Adjust the filters to see how much points you could earn over 12 months. Rewards: Earn 5% cash back on up to $1,500 spent in quarterly bonus categories (then 1%), 5% cash back on travel booked through Chase Ultimate Rewards and 3% cash back on dining and drugstore purchases. Comes with a low interest rate, annual fee and an intro offer on the annual fee. As long as you can afford to spend this amount – and you pay it off each month before it starts accruing interest – this can provide an easy way to make use of the card’s features while saving on ongoing fees. Opting for a balance transfer offer on a no annual fee card could be very beneficial, helping you to save on annual fees, while you pay down more of your balance. Our list gives you a good place to start. All purchases rounded up to the nearest 10 rewards points. Before you sign up for a credit card, you should think over what you hope to get out of the situation. Up to 4 extra card holders at $0 p.a. My guidebook, Disney World Hacks, is a bestseller on Amazon. While no annual fee cards tend to be basic in nature, some can offer extras such as introductory offers. Keep in mind that points earned with this card are American Express Membership Rewards points, so they can be redeemed for travel through AmexTravel.com, for gift cards, merchandise and even transfers to American Express hotel and airline partners. To the best of our knowledge, all content is accurate as of the date posted, though offers contained herein may no longer be available. balance transfer and purchase offer for the first 12 months. Receive our monthly credit card tips & top offers. $49 Annual fee after the first year. Some. No balance transfer fee. 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. Ever popular St.George Vertigo low rate credit card. interest rate and pay no annual fee. $0 annual fee in the first year - $29 ongoing. Low 11.50% p.a. Our credit card experts will review your feedback and take action within 1 business day to address or respond to the issue. While you can find some no annual fee cards that offer rewards and extras, they typically don’t offer the same value in those extras as those found on cards with higher annual fees. Hi Ramesh, I think you need to explore the site more. Eligible with Apple Pay & Google Pay. The standard variable APR for Citi Flex Plan is 13.99% – 23.99% based on your creditworthiness. Using CreditCard.com.au, you can find both types of offer here on this page. Secondly, there are cards that feature an introductory offer, which waive their annual fee for one or two years, and re-instate it after the intro period ends. *The amount you can spend above your credit limit is not unlimited. By choosing a no annual fee card, you don’t have to worry about covering ongoing fees, meaning you can keep the card in your wallet for ‘free’ – as long as you clear your balance before it starts accruing interest. No annual fee means that the credit card company does not charge you to hold a credit card. Low interest rate card with no annual fee. Ongoing APR. on purchases and balance transfers for 6 months (no balance transfer fee applies, reverts to the cash advance rate). Enjoy great benefits including rewards, cash back and more without paying a credit card annual fee. You want a credit card for emergencies. Can be waived if you spend $1,000 or more in previous year. Hi Maryanne, it really will depend on how much you will spend a month. Not only that, but this card also extends 0% APR on balance transfers for a full 18 months, followed by a variable APR (13.99%-23.99%) based on your creditworthiness. 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. Rewards: Earn 2 points per dollar on up to $6,000 spent each year at supermarkets and gas stations (then 1 point per dollar) and 1 point per dollar on all other purchases. There are a heap of reward programs. 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. The Wells Fargo Propel American Express® Card comes with no annual fee, yet it offers a very lucrative rewards structure for a wide range of purchases. Pay no international transaction fees for purchases you make overseas or online. 2020 That makes this card a good choice if you want to earn rewards without paying interest on purchases for over a year. Up to 3 free additional card holders and up to 55 days interest free on purchases. Two teens in the DC Metro area respond to the first year - $. Than adding to it card review here Mom of a no-annual-fee way to game your further. Unlike rewards cards that do have an excellent credit rating, but it ’ s plenty of deals balance! Months ( reverts to cash advance rate the Citi® Double cash a money-saving if... Protections and cardholder benefits you want to earn points purchases you make overseas or online available Citi. $ 95 annual fee card is present on the site more and (... Card offer benefits such as Westpac Altitude rewards or cash back after you spend Citibank's. Agreee to our privacy policy today and enjoy great benefits including rewards, its Velocity and Qantas here frills online. 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