Some people want credit cards for the rewards. But what if you’re mostly interested in the convenience credit cards offer, and you’re not willing to pay a small fortune for the privilege? Then a no frills credit card like the Heritage No Frills Classic Visa might be a good pick. You can forego all of the fancy features (and all of the fancy fees that go along with them).

You can learn more about the Heritage No Frills Classic credit card below and apply online today if a no frills credit card option is the right option for you.

Type of Credit Card: Low interest credit card, No annual fee credit card

Interest Rates: There might not be a special balance transfer rate on this no frills card, but the purchase rate offer more than makes up for that. You’ll get an extremely low purchase rate of just 8.95% for your first 12 months as a cardholder.

When that introductory offer expires, you still get a great low rate of 11.80%. But if you want this amazing offer, you’ll have to hurry. The offer ends 31 March 2011.

Annual Fee: Save major money not only with a low interest rate on this credit card but also with the fact that you’ll pay no annual fee!

Rewards / Extras: As a no frills credit card, the Heritage No Frills Classic credit card doesn’t feature a rewards programme. But you still get a few little perks to keep things interesting, including access to Visa Entertainment offers and the ability to personalise your credit card with your own photo (as long as you abide by the image rules).

Additional Details: This card features credit limits from $1000 to $10,000. It also comes with a simple repayment policy so you always know what you owe — a minimum of either 5% of your total balance or a flat $30 each month (whichever is greater).

Apply now!

* Interest rates, annual fees, and other credit card details were taken from the most accurate data available at the time of writing. All rates and fees are subject to change from the issuing bank, and their inclusion here in no way serves as a guarantee of rates. Please review rates and terms with the card issuer at the time of application.