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No annual fee credit cards

  • Everybody hates bank fees. And who doesn't love a fee free credit card? There are plenty of great deals going around, including no annual fee credit cards and other low fee and interest deals.

  • Are there any downsides to a no annual fee credit card?

    Well, most no or low fee credit cards don't offer rewards programs (some do, but they're perhaps not the most rewarding programs around). Plus some no annual fee credit cards sting you with higher interest rates - so if you occasionally forget to pay your monthly balance, or have an ongoing credit debt, you're probably better off with a low rate credit card.

  • Are no annual fee credit cards better than low rate ones?

    Why not let Mozo's Credit Card Switch & Save Calculator crunch the numbers? If you have ongoing debt, it'll find the best deal in seconds.

  • How do I compare no annual fee credit cards?

    If you're after still more deals than the latest no annual fee card deals listed below, try our search tool . You can rank the whole credit card market from lowest to highest annual fee in seconds.

Credit card comparisons on Mozo - rates updated daily

  • MOZO EXPERTS CHOICE 2017
    promoted

    American Express Essential Credit Card

    • 0% p.a. on balance transfers for the first 12 months — A one-off credit plan establishment fee of 3% applies
    • Earn up to 1 Membership Rewards point for every $1 spent
    • $0 annual fee

    annual
    fees

    $0

    Balance
    transfer rate

    0% p.a. for 12 months and then 14.99% p.a. (3.00% balance transfer fee)

    purchase
    rate

    14.99% p.a.

  • MOZO EXPERTS CHOICE 2017
    promoted

    ME frank Credit Card

    • Experts Choice Winner - Best Low Rate & Fee Free Credit Card
    • Low rate of 11.99% p.a on purchases and cash advances
    • Up to 55 days interest free on purchases

    annual
    fees

    $0

    Balance
    transfer rate

    purchase
    rate

    11.99% p.a.

  • promoted

    Coles No Annual Fee Mastercard

    • Get 10,000 flybuys BONUS POINTS if you apply and are approved by 30 September 2017
    • No annual fee to pay, ever
    • 0% p.a. on balance transfers for 6 months

    annual
    fees

    $0

    Balance
    transfer rate

    0% p.a. for 6 months and then 19.99% p.a.

    purchase
    rate

    19.99% p.a.

  • MOZO EXPERTS CHOICE 2017
    promoted

    American Express Velocity Escape Card

    • 0% p.a. on balance transfers for the first 12 months (1% BT fee applies)
    • No annual fee
    • Earn 1 Velocity Point per $1 spent (T&Cs apply)

    annual
    fees

    $0

    Balance
    transfer rate

    0% p.a. for 12 months and then 20.74% p.a. (1.00% balance transfer fee)

    purchase
    rate

    20.74% p.a.

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