It’s that time again! Near the beginning of every month we highlight the month’s top credit card offers. We make it easy for you to stay on top of new and changing offers so you never have to miss out on the best credit card deals.

Here are our picks for the five best credit card offers available this February:

1. ANZ Low Rate MasterCard

Why we love it: The ANZ Low Rate MasterCard has it all — a low 13.49% purchase rate, a low $58 annual fee, and one of the best balance transfer offers available. Most balance transfer offers last a few months to a year at most. This 2.9% balance transfer rate is valid for up to 18 months instead. Better yet, when the offer expires any remaining balance reverts to your regular low purchase rate — not the higher cash advance rate many other balance transfer cards revert to.

2. Westpac 55 Day Classic Credit Card

Why we love it: While it doesn’t earn our top spot because of ANZ’s amazing balance transfer offer, Westpac’s 55 Day credit card also has an amazing deal. You can get 0% interest on purchases for five months. You read that right — zero percent on purchases! Your low $30 annual fee will even be waived your first year, and you’ll get a 0.99% balance transfer rate for nine months. The only catch? After your first five months you’ll revert back to the normal 19.59% purchase interest rate.

3. Virgin Credit Card

Why we love it: This month the Virgin credit card is our top pick for consumers interested in no annual fee credit cards. In addition to paying no annual fee, you’ll get a reasonable purchase rate of 16.99% and a 2.99% balance transfer rate for up to six months.

4. Aussie MasterCard

Why we love it: If you’re looking for a low interest credit card, the Aussie MasterCard might be the card for you. For your first 12 months as a cardholder you get an incredible 9.99% interest rate. After that you revert to the still-very-low regular purchase rate of 13.29%. You’ll also enjoy a low $49 annual fee and 2.99% balance transfer rate for your first 12 months.

5. Westpac Low Rate Credit Card

Why we love it: Here’s another great all-around credit card offer from Westpac. The Westpac Low Rate credit card has a low interest rate of 13.49%, a low $45 annual fee, and a great 0.99% balance transfer offer for up to nine months.

If this month’s top pick credit card offers look good to you, take some time to learn even more. Just visit any link above and you can view more details about each offer. We even provide a convenient “Apply Now” link on every credit card details page so you can apply online today if you find the right credit card for you!

Note: Credit card details were accurate as of the time of writing. Offer details may change at the discretion of each credit card company. Please visit the links above to learn more about the current offers for these credit cards.