As the name suggests, no annual fee credit cards don’t charge a yearly fee. Apply by 30 Mar 21. No balance transfer fee. A no annual fee card is there when you need it, helping you cover unexpected costs. Benefits and Drawbacks: The Amex EveryDay® Credit Card is best for balance transfers since you won’t pay any balance transfer fee for the first 60 days. on purchases for 15 months. I am a senior receiving the Age Pension. My passion lies in showing families how to travel more while keeping their savings and sanity. However, information is presented without warranty. No annual fee and additional card holders for free. The standard variable APR for Citi Flex Plan is 13.99% – 23.99% based on your creditworthiness. *The amount you can spend above your credit limit is not unlimited. The more filled-in that circle or bar, the stronger the offer is. You'll earn 2X points on all purchases up to $50,000 per year. Have a look at our, Can u apply 4 a credit card on a disability pension, Hi Greg, this is possible. Complimentary international travel insurance. The Citi Simplicity Card offers a very long 18-month 0% intro APR offer for balance transfers, with the catch that each transfer incurs a 3% fee. One low rate, simple. Complimentary Overseas Travel Insurance for trips up to 3 months. Citi will also round up all your rewards to the nearest 10 points which is a nice bonus if you make small purchases regularly. © 2020 Forbes Media LLC. Range of complimentary insurance covers and benefits. thereafter. balance transfer and purchase offer for the first 12 months. By choosing a no annual fee credit card, you will pay no annual fee for an introductory period or for the life of the card. Reverts to cash advance rate. Balance transfer. Choose from a variety of select credit cards with no annual fee and discover which Citi credit card will best suit your lifestyle. The product information provided cannot be considered comprehensive and may not contain all the features relevant to you. Add to this complimentary insurances and additional benefits. A low 10.76% interest rate and low annual fee of $30. I have income from my superannuation pension but have assets. Our list gives you a good place to start. New customers only who apply for a Coles No Annual Fee Mastercard by 31 January 2021. I want a credit card that get frequent flyer points but has a low annual fee or a free introductory one year period. 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. Also known as a ‘no fee’ credit card, a no annual fee card is designed to help cardholders save money. No annual fee first year. It’s true, most credit cards in Australia charge an annual fee. Benefits and Drawbacks: Citi® Double Cash Card is hard to argue against if you’re looking for a cash-back credit card with no annual fee. 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. All rights reserved. You could pick up a flat-rate cash-back credit card for regular purchases, for example, while pairing with a card that offers bonus categories for part of your spending. Collect 1 Flybuys Point per $2 on eligible spend when you use this card. thanks, Hi Rashmin, being an international student you have limited options. No annual fee cards fall into two distinct categories. Earn 3X points on eating out and ordering in; Earn 3X points on gas stations, Earn 2X Membership Rewards® points at US supermarkets on up to $6,000 per year (then, Regular APR can be high, depending on your credit, Earn 2X ThankYou® Points per $1 spent at supermarkets and gas stations for the first, Earn 2X points on the first $50,000 in purchases each year; Earn unlimited 1X points, There is no one best Visa card as each person has a unique credit profile and set of needs. Credit Cards. This card lets you earn a flat rate of cash back and a generous initial welcome bonus. Up to 9 free additional card holders. Citi Flex Plan offers are made available at Citi’s discretion. Features: No annual fee cards tend to be low on features, but you can still compare the options to see what’s on offer. Up to 55 interest free days on purchases. How do you know if a no annual fee card is right for you? Plus, earn 1X ThankYou® Points on All Other Purchases. Hi when you refer to “rewards” on credit cards what are they and how do you redeem them. Pay no international transaction fees for purchases you make overseas or online. Not only do many credit cards come with valuable consumer protections and assurances, but many let you earn rewards for each dollar you spend. Apply by 9 Feb 21. Apply by 31 Jan 21. I want to get a no fee credit card with good reward points. After that, the variable APR will be 13.99% – 23.99%, based on your creditworthiness. I'm a real-life Mom of a two teens in the DC Metro area. Just remember that, if you transfer a balance from another card or loan product, a 5% balance transfer fee (minimum $10) will apply. These programs offer rewards that usually include travel, merchandise, cash and point transfers to frequent flyer programs. Read the provider's Product Disclosure Statement before applying. You just need to make sure that your super pension meets the minimum income requirements to apply. No annual fee and no interest-free period. Cover The Cost Of Next Christmas With This Year’s Credit Card Spending, Best 0% Balance Transfer Credit Card Deals for December, Top 5 frequent flyer credit card deals for December – 130,000 Bonus Qantas Points, These courses are a must for anyone that has a credit card or is looking to apply for one, Start off with any of the 7 courses from credit card basics to understanding fraud, 100% free with fast Facebook sign-in. You’ll also receive 0% APR on purchases for 15 months, followed by a variable APR based on your creditworthiness. Either way, if you play your cards right, you can still earn decent rewards while minimising annual fees. There’s no better way to maximize rewards earnings while minimizing costs than by using a credit card with no annual fee. Before you sign up for a credit card, you should think over what you hope to get out of the situation. Unsecured credit limit of up to $50,000 (based on eligibility criteria). Free additional card holder and up to 55 days interest free on purchases. Are you looking for a credit card – with good rewards, no less – that doesn't charge an annual fee? Pay no annual fee first year - save $87. The Heritage Gold Low Rate credit card offers no annual fee with 0 interest free days. You might still pay interest,over-limit fees… 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. Annual fee waived first year. Eligible with Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, and Garmin Pay. It's a perfect fit if your business is small enough to spend less than $50,000 per year. introductory rate for the first 6 months. Card providers generally charge this fee for providing both access to credit, and access to the various features and rewards the card may offer. Pay no annual fee, ever with up to 3 additional cardholders at no extra cost plus 0% on balance transfer for 12 months. Cash Back rewards do not expire as long as your account is open. That makes this card a good option if you make a lot of small purchases throughout the month, or if you use a single credit card for all your regular spending and bills. 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. Copyright 2005- Some of them even have rewards programs attached, although generally speaking the low or $0 fee cards often have less features included. Apply by 30 Mar 21, 0% for 17 months on purchases + $0 annual fee first year. No annual fee when HSBC Rewards Plus is selected. On a desktop, you’ll see a circle, and on a mobile device, you’ll see a bar. 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