Hi,
There are so many CC options available, and was wondering what is a great CC for Rewards and Balance Transfer to move away from an AMEX No Fee Card that I could recommend to a friend.
A lower annual fee would be great, and are sign in rewards/cashback offers still available if taking up a balance transfer option?
Thanks
100%. Just look to transfer balance with 0% interest for longest amount of time you can find and don't worry about bonus points for now. Pay off your debt first then look at bonus point card offers
All 3 things low rate BT, high rewards and low annual fee are usually mutually exclusive, i.e. you can't get all 3 of them. Choose your priorities. The AMEX no-fee card (Essential I am guessing) is a great all-rounder but doesn't have BT at all (AFAIK). You can also go for their no-fee Qantas/ Velocity Cards depending on whether you shop at Coles or Woolies. They also have a card with an 8.99% interest rate so you can use that while you pay off your balance.
If you don't care about rewards, Westpac has a $200 cashback offer and no fee for the first year on their low-fee card OR 0% BT for 28 months.
Will do, and thank you
Hey team,
Leaning towards the bank west platinum for balance transfer.. They seem to have the longest time.
Anyone know what the best deal is right now? for balance transfer only card
Also should i apply for a visa or mc debit to make online transactions while i pay my card off with whoever?
Any other tips? Should I pay part off my cards (2 westpac and cba) before applying etc
Thank you!
Doing a balance transfer and looking for rewards on the same card is silly. Do a balance transfer at the lowest rate, pay it off, then try chase rewards.
Best way to get rewards is the cards with required spend, which isn't a good idea when you're paying off a balance.