Credit card leaderboard10 cards1 November 2026
Rank by
The highest earn rates with no annual fee.
- First1%cashback
Kogan Money Black Credit CardKogan MoneyNo annual fee · Kogan Money Credit Cards RewardsGo to site - Second0.75
Qantas Frequent Flyerpoints per $1
American Express Qantas American Express Discovery CardAmerican ExpressNo annual fee · Qantas Frequent FlyerGo to site - Third0.5
Flybuyspoints per $1
NAB Coles No Annual Fee MastercardNABNo annual fee · FlybuysGo to site
Ranked by among cards with no annual fee and no monthly fee, rewards earn rate, highest first. Leaves out cards that charge an annual fee or a monthly fee. Compares 8 card issuers, not the whole market.
The other 7 cards
Ranked by among cards with no annual fee and no monthly fee, rewards earn rate, highest first. All 7: No annual fee.
| # | Card | No annual fee | Links |
|---|---|---|---|
| 4 |  Revolut Credit Card · Standard planRevPoints | 0.0625 RevPointspoints per $10.94 below first ranked | Go to site |
| 5 |  American Express Low Rate Credit Card from American Express | $0annual fee1.00 below first ranked | Go to site |
| 6 |  Bank Australia Low Rate Visa Credit Card | $0annual fee1.00 below first ranked | Go to site |
| 7 |  Bankwest Zero Platinum Mastercard | $0annual fee1.00 below first ranked | Go to site |
| 8 |  Bank Australia Visa Credit Card | $0annual fee1.00 below first ranked | Go to site |
| 9 |  Virgin Money No Annual Fee Credit CardVirgin Money Rewards | $0annual fee1.00 below first ranked | Go to site |
| 10 |  Bendigo Ready Credit Card | $0annual fee1.00 below first ranked | Go to site |
- 4Revolut Credit Card · Standard plan0.0625RevPointspoints per $10.94 below first rankedRevPoints
- 5American Express Low Rate Credit Card from American Express$0annual fee1.00 below first ranked
- 6Bank Australia Low Rate Visa Credit Card$0annual fee1.00 below first ranked
- 7Bankwest Zero Platinum Mastercard$0annual fee1.00 below first ranked
- 8Bank Australia Visa Credit Card$0annual fee1.00 below first ranked
- 9Virgin Money No Annual Fee Credit Card$0annual fee1.00 below first rankedVirgin Money Rewards
- 10Bendigo Ready Credit Card$0annual fee1.00 below first ranked
Rank them on your answers
Ranked here on one figure. The questions price each card on what you spend, what you carry and the rewards you collect, fees counted.
Start A few quick questions · 2 minOr see every one at once
Every card in one list with every figure. Sort and filter it yourself.
As of 1 November 2026, the highest rewards earn rate on a no-annual-fee card tracked by BankMate is 1% cashback on the Kogan Money Black Credit Card. How we rank