Fair Rate Credit Card
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The Co-operative Bank · MASTERCARD
The Fair Rate Credit Card is a credit card from The Co-operative Bank on the MASTERCARD network. It has an annual fee of $20.
Verified 26 Sept 2026
Key facts
- Annual fee
- $20
- Purchase APR
- 12.95% p.a.
- Foreign transaction fee
- 1.9%
- Network
- MASTERCARD
Benefits and perks
- One interest rate of 12.95% p.a. for purchases and cash advances.
- Up to 55 days interest free on purchases.
- No late payment fee.
- Card made from 97% recycled PVC.
Questions about the Fair Rate Credit Card
What is the annual fee on the Fair Rate Credit Card?
The Fair Rate Credit Card has an annual fee of $20.
Is the Fair Rate Credit Card worth it?
The Fair Rate Credit Card is worth it when the rewards you would earn on your own spending exceed its annual fee. Upload a statement to Woodo and the calculation runs against your real categories rather than an assumed budget.
Community
Approval and real earn reports from cardholders are coming to this page soon.
Not sure this is the right card for you?
Upload a credit card statement and Woodo works out what you actually spend by category, then ranks every card in the catalog against your own numbers. No bank login needed.
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