Easy Street

Compare Easy Street credit cards to make an informed choice on which card to apply for.

Easy Street credit card

Easy Street Low Rate Credit Card

On website

Easy Street Low Rate Credit Card

Balance transfer

12 months at 0% p.a.

Purchase rate

8.99% p.a. ongoing

Annual fee

$40.00 p.a. ongoing

Highlights

  • 0% p.a. for 12 months on transferred balances, then reverts to 8.99% p.a.
  • Low ongoing interest rate of 8.99% on purchases and cash advances.
  • Annual fee is $40 p.a.

Pros

  • Competitive interest rates
  • Up to 55 days interest free
  • Minimum credit limit is $500

Cons

  • There is a 3% conversion fee on overseas transactions

Easy Street credit cards are issued by Easy Street Financial Services. They come with a range of features, offers, and benefits, such as competitive interest rates, balance transfer options, rewards programs, and additional perks. Easy Street aims to make managing finances easier for cardholders through its credit card offerings.

Benefits of Easy Street credit cards

  • Competitive rates: Easy Street credit cards offer low interest rates, allowing cardholders to save on finance charges compared to higher-rate cards. The favourable rates also make it easier for customers to manage their balances efficiently.
  • Balance transfer offers: Easy Street credit cards may come with balance transfer offers, enabling customers to consolidate their existing credit card balances onto an Easy Street card. This feature can help cardholders save on interest and pay off their debts more effectively.

How to apply for an Easy Street credit card

To apply for an Easy Street credit card, follow these simple steps.

  1. Compare offers and make a decision about the card you want to apply for.
  2. Visit the Easy Street website and click the "Apply Now" button to fill out the online application form. You'll need to provide your personal details, income, employment status, etc.
  3. Submit your application for review by Easy Street's credit assessment team.
  4. If your application is approved, you will receive your new Easy Street credit card in the mail, along with instructions on activating and setting up your online account.

Managing your Easy Street credit card account

If you've been approved for an Easy Street credit card, it's essential to manage your account responsibly to make the most of its benefits and protect your credit.

  • Set up automatic payments to avoid missing due dates, incurring late fees, and damaging your credit score.
  • Monitor your spending and track your transactions regularly to stay within your budget.
  • Take advantage of online banking and smartphone apps to manage your account conveniently from anywhere.
  • Look out for any suspicious transactions that you do not recognise. Contact their customer services team if you find anything unusual.

Help choosing an Easy Street credit card

Receive personalized guidance in selecting the optimal Easy Street credit card, tailored to your financial objectives and lifestyle preferences.

  • FAQs

How can I check my Easy Street credit card balance?

To check your Easy Street credit card balance, log in to your online account through the Easy Street website or mobile app. Alternatively, you can call Easy Street's customer service hotline for assistance.

What are the fees associated with Easy Street credit cards?

The fees associated with Easy Street credit cards may include an annual fee, late payment fees, cash advance fees, and foreign transaction fees. Be sure to review the specific fee schedule for your card to understand the costs involved.

Can I apply for an Easy Street credit card with a low credit score?

Easy Street considers various factors, including credit scores, when reviewing credit card applications. While a higher credit score may increase your chances of approval, applicants with lower credit scores may still be eligible for certain Easy Street credit cards, albeit with different terms and conditions.

How do I earn rewards with my Easy Street credit card?

You can earn rewards with your Easy Street credit card by making eligible purchases as outlined in the card's rewards program. Typically, you'll earn points, cashback, or other incentives based on your spending, which can be redeemed for a range of rewards.

What should I do if my Easy Street credit card is lost or stolen?

If your Easy Street credit card is lost or stolen, contact Easy Street's customer service immediately to report the incident. The customer service team will guide you through the process of cancelling your existing card and issuing a replacement to ensure the security of your account.