No Annual Fee Credit Cards

No annual fee credit cards are great if you don't plan to use the card much. Perhaps you want a credit card in your pocket to cover emergencies, and you may even want an extra card for your partner or a family member just in case they need it. You won't find the best credit card rates in this section of the market (the providers have to make their money somewhere), and if you find yourself using this card frequently, consider trading it in for something else on the market.

However, if you really do need a credit card that costs you nothing to own and can be useful once in a while to solve cash-flow problems, then check out the Best Credit Card option to combine the lowest annual fee on the market with the best value.

The Best No Annual Fee Credit Card

The Commonwealth No Annual Fee credit card is our pick based on the current deals available on the market. The different products credit card providers are offering for this part of the market are all fairly comparable, but the Commonwealth No Annual Fee currently does it cheapest with a $0 annual fee and interest rate of 17.99%.

You can obtain an extra card for no additional costs, and it is accessible to the majority of the credit card market.

The Best Low Annual Fee Credit Card

It's worth mentioning that there are some low annual fee cards that could provide more value to those who plan to use their credit card slightly more often. You may choose a no annual fee credit card specifically for use in emergencies, but a low annual fee card could be beneficial for those who need to make purchases every now and again.

Because you may use this card more regularly, we've put a bit more weight into interest-free days and other potential benefits while still focusing mainly on a low annual fee. It could save you more money in the long run by allowing you to avoid the heftier interest rates that accompany no annual fee credit cards.

Our Best Credit Card choice for a low annual fee credit card is the Commonwealth Bank Low Fee credit card. It offers customers the ability to hold a credit card for just $24 with an interest rate that closely matches the best on the market for this category. The reason this card is good in reality is the 55 interest free days you have to make repayments, and the fact that the $24 fee is waived if you spend over $1000 a year.

The other card that offers very comparable rates was the NAB Visa Mini. It offers $120 a year cash back, but that is presented as a $10 a month offer, and to qualify for the maximum amount, you would have to spend $2000 a month. This doesn't really suit the purpose, as we see it, for the card. However, it also features highly among the available cards. Both these options allow you to obtain extra cards for no extra cost.

No Annual Fee Credit Cards

No annual fee credit cards are great if you don't plan to use the card much. Perhaps you want a credit card in your pocket to cover emergencies, and you may even want an extra card for your partner or a family member just in case they need it. You won't find the best credit card rates in this section of the market (the providers have to make their money somewhere), and if you find yourself using this card frequently, consider trading it in for something else on the market.

However, if you really do need a credit card that costs you nothing to own and can be useful once in a while to solve cash-flow problems, then check out the Best Credit Card option to combine the lowest annual fee on the market with the best value.

The Best No Annual Fee Credit Card

The Commonwealth No Annual Fee credit card is our pick based on the current deals available on the market. The different products credit card providers are offering for this part of the market are all fairly comparable, but the Commonwealth No Annual Fee currently does it cheapest with a $0 annual fee and interest rate of 17.99%.

You can obtain an extra card for no additional costs, and it is accessible to the majority of the credit card market.

The Best Low Annual Fee Credit Card

It's worth mentioning that there are some low annual fee cards that could provide more value to those who plan to use their credit card slightly more often. You may choose a no annual fee credit card specifically for use in emergencies, but a low annual fee card could be beneficial for those who need to make purchases every now and again.

Because you may use this card more regularly, we've put a bit more weight into interest-free days and other potential benefits while still focusing mainly on a low annual fee. It could save you more money in the long run by allowing you to avoid the heftier interest rates that accompany no annual fee credit cards.

Our Best Credit Card choice for a low annual fee credit card is the Commonwealth Bank Low Fee credit card. It offers customers the ability to hold a credit card for just $24 with an interest rate that closely matches the best on the market for this category. The reason this card is good in reality is the 55 interest free days you have to make repayments, and the fact that the $24 fee is waived if you spend over $1000 a year.

The other card that offers very comparable rates was the NAB Visa Mini. It offers $120 a year cash back, but that is presented as a $10 a month offer, and to qualify for the maximum amount, you would have to spend $2000 a month. This doesn't really suit the purpose, as we see it, for the card. However, it also features highly among the available cards. Both these options allow you to obtain extra cards for no extra cost.