Compare No Annual Fee Credit Cards
Our easy to use credit card comparison service can help you to see the best no annual fee credit card that meets your requirments. Below are some of the best no annual fee credit cards on offer. If you are after credit card other than no annual fee credit cards please use the menu to the right to compare other various credit card types.
| Credit Cards | Balance Transfer Rate | Interest Rate | Cash Advance Rate | Annual Fee | Secure Application | |
|---|---|---|---|---|---|---|
| Details | ||||||
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HSBC Credit Card | 0% 6 months |
17.99% | 21.99% | $0 | Apply Online for the Credit Card More Information |
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Suncorp Clear Options Standard Credit Card | 12.74% | 21.99% | $27 for the first year, $55 thereafter | Apply Online for the Credit Card More Information | |
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ANZ First Visa Credit Card | 19.39% | 20.99% | $30 | Details | |
| Details | ||||||
| Details | ||||||
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Citibank Ready Credit | 6.9% 2 years |
18.99% | 18.99% | $0 | Apply Online for the Credit Card More Information |
Low Annual Fee Credit Cards
Below are some low annual fee credit card offers. These card are great if you are still after a low annual fee card but may require a lower interest rate or need to transfer balances from another credit card.
| Credit Cards | Balance Transfer Rate | Interest Rate | Cash Advance Rate | Annual Fee | Secure Application | |
|---|---|---|---|---|---|---|
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ANZ Low Rate MasterCard | 13.14% | 21.49% | $58 | Details | |
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St.George Vertigo MasterCard | 0% 12 months |
13.24% | 21.49% | $55 | Apply Online for the Credit Card More Information |
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Guide to No Annual Fee Credit Cards
In order to get on consumers’ good sides, credit facilities are striving to be more black and white when it comes to the credit cards they offer. No annual fee credit cards are a prime example of this. Paying the annual fee on a credit card that you might not even use that often is one of the biggest turn offs about owning credit cards. What are the hidden catches of owning a no annual fee credit card, if any? Are there any other advantages to owning a no annual fee credit card? What are the eligibility criteria to apply for a no annual fee credit card? These questions will be answered in this article.
Avoid These No Annual Fee Credit Card Traps
Even if credit card facilities want you to trust them more, they still have to earn an income somehow. The lost fee or diminished annual fee more often than not comes back on the front end in the form of a higher interest rate. Sometimes, the annual fee might just be non-existent in its first year of usage. There might be more miscellaneous finance charges; the point is, it’s as important as ever to read the fine print when you’re considering a no annual fee credit card.
Advantages of Owning a No Annual Fee Credit Card
The advantages of owning a no annual fee credit card are distinct for those who might want a credit card for the sake of convenience, or only need to use a credit card just once in a while. The last thing you want from a credit card is hidden fees arriving in the mail in the first week of the New Year, even though you barely used the card at all.
Eligibility Criteria for Owning a No Annual Fee Credit Card
If you’re interested in owning a credit card without having any nasty surprise fees being sprung on you, a no annual fee credit card may be just what you’re after. These criteria are generally those which credit institutions will use to gauge your eligibility before they allow you to use their credit:
- Age: you usually have to be over the age of 18.
- Income: you have to be earning above a certain threshold of income to support your usage o the no annual fee credit card.
- Your credit rating has to be positive overall. If it’s you’re first time applying for a credit card, the best way to go about this is to bring documentation that shows how much you’re earning, as well as bills that have been paid off recently. If you are really determined to get that no annual fee credit card, you might even consider getting the company whose bills you pay to give 3rd party feedback. This can be done via your bank as well.
A no annual fee credit card is suitable for you if you want to use it for the odd purchase here and there where it’s the easiest and most convenient option. This way, you will not only be able to pay off your balance, you won’t wake up to find a bill for the card that you barely even throughout the year.