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Credit Cards with No Additional Cardholder Fee

Ranked by estimated first-year value after fees. Uses each offer's best redemption, assumes the bonus is earned and the balance is paid in full.

Image of The American Express Platinum Card Referral Offer credit card
1. The American Express Platinum Card Referral Offer
American Express points
$1,450 annual fee
Referral offerHow referrals work
Offer
225,000 American Express points
Add up to 4 Additional Cards for family and friends at no additional fee, with points earned credited to the account.
Spend $5,000 in 90 days (~$1,667/mo)
Craig
Craig's Take

Moderate spend — $56/day for 90 days. Excellent ongoing earn rate. $450 cashback offsets the $1450 fee.

Estimated value after fees $1,408

Velocity flights

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Image of The American Express Velocity Platinum Card credit card
2. The American Express Velocity Platinum Card
Velocity points
$440 annual fee
Offer
70,000 Velocity points
Up to 4 Additional Cards for family members or friends at no extra fee; all points earned credited to your Account
Spend $5,000 in 90 days (~$1,667/mo)
Offer Expires in 2 days (2026-10-13)
Craig
Craig's Take

Moderate spend — $56/day for 90 days. Excellent ongoing earn rate. $385 cashback offsets the $440 fee.

Estimated value after fees $1,241

Velocity flights

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Image of The Qantas American Express Ultimate Card credit card
3. The Qantas American Express Ultimate Card
Qantas points
$450 annual fee
Offer
70,000 Qantas points
Up to 4 additional Cards for family members or friends at no extra fee
Spend $5,000 in 90 days (~$1,667/mo)
Offer Expires in a month (2026-11-17)
Craig
Craig's Take

Moderate spend — $56/day for 90 days. Excellent ongoing earn rate. $450 cashback covers the $450 fee.

Estimated value after fees $1,220

Qantas flights

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Image of The Qantas American Express Ultimate Card Referral Offer credit card
4. The Qantas American Express Ultimate Card Referral Offer
Qantas points
$450 annual fee
Referral offerHow referrals work
Offer
70,000 Qantas points
Up to 4 additional Cards for family members or friends at no extra fee
Spend $5,000 in 90 days (~$1,667/mo)
Offer Expires in a month (2026-11-17)
Craig
Craig's Take

Moderate spend — $56/day for 90 days. Excellent ongoing earn rate. $450 cashback covers the $450 fee.

Estimated value after fees $1,220

Qantas flights

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Image of Westpac Altitude Velocity Black (Existing customers) credit card
5. Westpac Altitude Velocity Black (Existing customers)
Velocity points
$295 annual fee
Existing customers onlyCan I become an existing customer?
Offer
90,000 Velocity points
One additional cardholder (16 years or older) can be added at no extra cost
Spend $6,000 in 90 days (~$2,000/mo)
$200 first year annual fee, $295 thereafter
Craig
Craig's Take

Moderate spend — $67/day for 90 days. Poor ongoing earn rate.

Estimated value after fees $1,216

Velocity flights

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Image of Westpac Altitude Qantas Black (Reduced first year annual fee for Westpac Customers) credit card
6. Westpac Altitude Qantas Black (Reduced first year annual fee for Westpac Customers)
Qantas points
$295 annual fee
Existing customers onlyCan I become an existing customer?
Offer
90,000 Qantas points
Add 1 additional cardholder (16 years or older) at no extra cost
Spend $6,000 in 90 days (~$2,000/mo)
$200 first year annual fee, $295 thereafter
Offer Expires in 17 days (2026-10-28)
Craig
Craig's Take

Moderate spend — $67/day for 90 days. Poor ongoing earn rate.

Estimated value after fees $1,123

Qantas flights

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Image of Westpac Altitude Velocity Black credit card
7. Westpac Altitude Velocity Black
Velocity points
$295 annual fee
Offer
90,000 Velocity points
One additional cardholder (16 years or older) can be added at no extra cost
Spend $6,000 in 90 days (~$2,000/mo)
Craig
Craig's Take

Moderate spend — $67/day for 90 days. Poor ongoing earn rate.

Estimated value after fees $1,121

Velocity flights

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Image of Westpac Altitude Qantas Black credit card
8. Westpac Altitude Qantas Black
Qantas points
$295 annual fee
Offer
90,000 Qantas points
Add 1 additional cardholder (16 years or older) at no extra cost
Spend $6,000 in 90 days (~$2,000/mo)
Offer Expires in 17 days (2026-10-28)
Craig
Craig's Take

Moderate spend — $67/day for 90 days. Poor ongoing earn rate.

Estimated value after fees $1,028

Qantas flights

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Image of Westpac Altitude Velocity Platinum credit card
10. Westpac Altitude Velocity Platinum
Velocity points
$175 annual fee
Offer
70,000 Velocity points
One additional cardholder (aged 16 or over) can be added at no extra cost
Spend $4,000 in 90 days (~$1,333/mo)
Craig
Craig's Take

Easy $44/day spend to hit the bonus. Poor ongoing earn rate.

Estimated value after fees $912

Velocity flights

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Image of MyCard Premier credit card
11. MyCard Premier
MyCard points
$300 annual fee
Offer
120,000 MyCard points
No additional cardholder fee ($0); up to 4 additional cardholders per account
Spend $7,000 in 90 days (~$2,333/mo)
Craig
Craig's Take

Moderate spend — $78/day for 90 days. Good ongoing earn rate. $72 cashback offsets the $300 fee.

Estimated value after fees $881

Velocity flights

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Image of MyCard Premier Velocity credit card
12. MyCard Premier Velocity
Velocity points
$300 annual fee
Offer
60,000 Velocity points
No additional cardholder fee ($0); up to 4 additional cardholders per account
Spend $7,000 in 90 days (~$2,333/mo)
Craig
Craig's Take

Moderate spend — $78/day for 90 days. Average ongoing earn rate. $72 cashback offsets the $300 fee.

Estimated value after fees $852

Velocity flights

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Image of Westpac Altitude Qantas Platinum credit card
13. Westpac Altitude Qantas Platinum
Qantas points
$175 annual fee
Offer
70,000 Qantas points
Add one additional cardholder aged 16 or over at no extra cost
Spend $4,000 in 90 days (~$1,333/mo)
Craig
Craig's Take

Easy $44/day spend to hit the bonus. Poor ongoing earn rate.

Estimated value after fees $841

Qantas flights

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Image of CommBank Ultimate Awards Credit Card (with $4000 per month spend) credit card
14. CommBank Ultimate Awards Credit Card (with $4000 per month spend)
Commbank points
$420 annual fee
Offer
50,000 Commbank points
No additional cardholder fee to share the card with someone else
Spend $9,000 in 90 days (~$3,000/mo)
Craig
Craig's Take

Moderate spend — $100/day for 90 days. Poor ongoing earn rate.

Estimated value after fees $675

Coles gift cards

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Image of NAB Rewards Platinum Card credit card
16. NAB Rewards Platinum Card
NAB points
$195 annual fee
Offer
80,000 NAB points
Add an additional cardholder at no extra cost
Spend $3,000 in 90 days (~$1,000/mo)
Craig
Craig's Take

Easy $33/day spend to hit the bonus. Average ongoing earn rate.

Estimated value after fees $517

Velocity flights

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Image of NAB Rewards Platinum Card with Velocity credit card
17. NAB Rewards Platinum Card with Velocity
Velocity points
$195 annual fee
Offer
40,000 Velocity points
Add an additional cardholder at no extra cost; additional cardholder must be 16 years or older
Spend $4,000 in 90 days (~$1,333/mo)
Craig
Craig's Take

Easy $44/day spend to hit the bonus. Poor ongoing earn rate.

Estimated value after fees $514

Velocity flights

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Image of NAB Qantas Rewards Signature Card credit card
18. NAB Qantas Rewards Signature Card
Qantas points
$449 annual fee
Offer
40,000 Qantas points
Add an additional cardholder at no extra cost
Spend $5,000 in 90 days (~$1,667/mo)
Craig
Craig's Take

Moderate spend — $56/day for 90 days. Good ongoing earn rate. $200 cashback offsets the $449 fee.

Estimated value after fees $451

Qantas flights

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Image of MyCard Premier Qantas credit card
19. MyCard Premier Qantas
Qantas points
$350 annual fee
Offer
40,000 Qantas points
No additional cardholder fee ($0); up to 4 existing additional cardholders permitted per account.
Spend $7,000 in 90 days (~$2,333/mo)
Craig
Craig's Take

Moderate spend — $78/day for 90 days. Average ongoing earn rate.

Estimated value after fees $346

Qantas flights

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Image of NAB Qantas Rewards Premium Card credit card
20. NAB Qantas Rewards Premium Card
Qantas points
$295 annual fee
Offer
25,000 Qantas points
Add an additional cardholder at no extra cost; additional cardholder must be 16 years or older
Spend $4,000 in 90 days (~$1,333/mo)
Craig
Craig's Take

Easy $44/day spend to hit the bonus. Average ongoing earn rate. $150 cashback offsets the $295 fee.

Estimated value after fees $287

Qantas flights

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Image of Westpac Altitude Rewards Black credit card
21. Westpac Altitude Rewards Black
Westpac points
$295 annual fee
Offer
100,000 Westpac points
1 additional cardholder (16 years or older) can be added at no extra cost
Spend $12,000 in 365 days (~$986/mo)
$200 first year annual fee, $295 thereafter
Craig
Craig's Take

Easy $33/day spend to hit the bonus. Average ongoing earn rate.

Estimated value after fees $285

Krisflyer flights

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22. Westpac Altitude Rewards Platinum (existing customers)
Westpac points
$175 annual fee
Existing customers onlyCan I become an existing customer?
Offer
75,000 Westpac points
Add 1 additional cardholder aged 16 years or older at no extra cost.
Spend $3,000 in 90 days (~$1,000/mo)
$49 first year annual fee, $175 thereafter
Craig
Craig's Take

Easy $33/day spend to hit the bonus. Excellent ongoing earn rate.

Estimated value after fees $281

Krisflyer flights

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Image of The American Express Platinum Edge Credit Card credit card
23. The American Express Platinum Edge Credit Card
American Express points
$195 annual fee
Offer
0 American Express points
Up to 4 additional cards for family or friends at no extra fee; points earned credited to the primary account
Spend $0 in 0 days
$0 first year annual fee, $195 thereafter
Craig
Craig's Take

Average ongoing earn rate. $200 cashback covers the $195 fee.

Value estimate unavailable

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