Credit cards
Purchase, cash advance and balance transfer rates, interest-free days, annual fees and rewards programs.
213 credit cards from 62 banks and lenders, read every night from what each one publishes under the Consumer Data Right.
Go to every credit cardEvery institution's best rate, today
As published on 7 November 2026Days without interest on purchases when the balance is paid in full. One dot per institution, at its longest interest-free period anyone can apply for; hover or tap a dot for its name.
What are the lowest credit card rates today?
As of 7 November 2026, the lowest credit card purchase rate is 7.49%, from Unity Bank's Low Rate Visa Credit Card, while the typical best across 51 institutions is 12.49%. The lowest purchase rate on a card with no annual fee is 10.99%, from American Express' Low Rate Credit Card from American Express®, while the typical best across 10 institutions is 14.84%. The lowest purchase rate on a rewards card is 12.99%, from Virgin Money Australia's Virgin Money Low Rate Credit Card, while the typical best across 25 institutions is 20.99%. The longest interest-free period is 62 days, from Beyond Bank Australia's Low Rate Credit Card, while the typical best across 42 institutions is 55 days.
Each institution counts once, at its best product anyone can apply for, so the typical figure is the middle one: half do better, half worse. Pick a rate to see every product behind it.
| Rate | Best anywhere | Typical institution |
|---|---|---|
| Any credit cardOngoing purchase rate, not introductory offers | 7.49%Unity Bank's Low Rate Visa Credit Card | 12.49%of 51 institutions |
| No annual feeOngoing purchase rate | 10.99%American Express' Low Rate Credit Card from American Express® | 14.84%of 10 institutions |
| Rewards cardOngoing purchase rate on a card that earns points | 12.99%Virgin Money Australia's Virgin Money Low Rate Credit Card | 20.99%of 25 institutions |
| Interest-free daysDays without interest on purchases when the balance is paid in full | 62 daysBeyond Bank Australia's Low Rate Credit Card | 55 daysof 42 institutions |
Credit cards, lowest purchase rate first
As of 7 November 2026, the lowest purchase rate on a credit card open to anyone is 7.49%, on Unity Bank's Low Rate Visa Credit Card.
148 of 213 credit cards match these filters. 58 with restricted eligibility (staff, profession, age, green or business-only) are hidden.
Published by each institution under the Consumer Data Right, last changed by them on 7 Nov 2026. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.