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Credit cards

Don't like debt? We'll help you find the best value credit card with the lowest interest rate.

A credit card can be both a blessing and a curse. Sure, it can get you out of some sticky situations, but it can get you into some even stickier ones. If you've found yourself in the red thanks to a shopping spree or unexpected bills, you'll want to be sure that your card has the lowest interest rate around and no sneaky fees. Our articles and guide will help you compare credit card providers so you can choose the best – and get out of debt faster.

Meet the credit cards team

Buying guides

How to choose the best credit card deal And avoid falling into a debt trap.

Articles

Best low-interest credit cards We compare rates from CBA, NAB, ANZ, Westpac and more.

The best frequent flyer rewards credit cards We reveal the Top 20 frequent flyer loyalty credit cards for Qantas, Jetstar and Virgin.

Big banks refund $21m for loose credit card practices Westpac and ANZ are issuing refunds following intervention from ASIC.

Refunds of $3.3m to be paid to thousands of credit card holders Customers of at least four credit card providers over a 23 year period could be eligible for a refund.

Banks denying credit and loans to retirees Closing the door on the creditworthy

Car finance options – which loan is best for you? What to look out for and how to avoid car debt traps.

Credit card interest rates dwarf official rates Consumers lose out to the tune of $3.49 billion since mid-2011.

Banks scurry to introduce online credit card cancellations Commonwealth and NAB competing for an 'Australian first'

NAB: You can cancel our credit cards online – in days NAB offer comes after CHOICE calls out big banks over hard-to-cancel credit cards

Credit card cancellation traps Call, write or visit – but why can't we cancel a credit card online?

Credit rates from the mutuals The difference between 8.99% and 13.99% can be huge over time.

Debt collectors dodging the rules Consumers have very specific rights when it comes to debt collection – and it really helps to know them.

Bank fee frenzy Banks collected $12.5 billion dollars in fees last year, with credit card holders especially hard hit.

ACCC gets the green light to enforce surcharge ban Merchants now officially limited to the cost of card acceptance.

Goverment backs CHOICE recommendations on credit card reform Clearer cost disclosure, easier cancellation, and more responsible lending.

Credit card surcharge crackdown ACCC now has the power to investigate sky high surcharges.

CHOICE calls for clearer credit cards statements and ads Confused consumers duped into high-interest cards.

Credit card schemes campaign to keep interchange fees high Would you believe the claims that high credit card fees are good for you?

CHOICE represents consumers at Senate inquiry into credit cards Interest rates are uncompetitive, and responsible lending regulations imposed on card issuers have failed to protect consumers, says CHOICE.

Best cashback and gift card rewards credit cards We review and compare credit cards with cashback and gift card reward schemes.

Waving goodbye to my credit card How one CHOICE journalist shut down her lingering debt for good.

Rising rates on low-interest cards from the big banks The official cash rate has dropped but the big banks haven't been passing on the benefits to consumers when it comes to low-interest credit cards.

Banks part ways with official rate cuts Credit card providers bypass rate cuts and rake in $2bn in interest.

Consumers cop high costs on credit card interest Banks are making more from credit cards than from mortgages.

Should we be able to say no to tap-and-go technology? A new app in New Zealand allows consumers to opt out of payWave and PayPass.

RBA credit card surcharging ban still widely flouted Monitoring and enforecement remain a work in progress.

Payment card fraud and how to avoid it Are we in the midst of a financial fraud epidemic?

Interest free loans and credit card balance transfers 0% financing can be tempting, but many deals turn out to be duds.

Jetstar 0% interest rate trap Jetstar has enrolled all its customers in a 0% interest rate promotion but there is a catch

CHOICE tells Senate it's time to end credit card confusion Interest rates are uncompetitive and responsible lending regulations have failed to protect consumers.

Tips to reduce credit card debt Is your credit card giving you pain in the hip pocket?

Excessive credit card surcharging We're calling for real enforcement to end the costly scourge of surcharging.

Airlines still overcharging on credit cards 3 July 2015 | Australian airlines are collecting over $180 million in excessive credit card fees.

Big companies charge excessive credit card fees New research reveals the biggest companies slug customers the hardest.

Show 30 more articles

The credit cards team

Our finance experts are savvy with their money, but even they splurge with plastic every now and then. They know how to get back in the black quickly though, by choosing the best credit cards on the market with the lowest rates. They'll show you how to do the same.

Andy Kollmorgen Investigations Editor

Banking, Budget, Insurance, Financial planning and investing, Credit cards and loans, Money, Property, Healthy ageing, Phones

Uta Mihm Senior content producer - investigative journalist

Banking, Insurance, Credit cards and loans, Financial planning and investing, Property, Education and childcare, Getting ready for baby, Healthy ageing, Reproductive health, Shopping for special occasions

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