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At ClearScore, we show you great credit cards offers unlocked with your credit score.

We’ll also let you know how you can improve your credit score. A higher score can give you access to more credit offers and improve your chances of approval.

Compare credit cards

Find great credit cards, balance transfer cards and rewards cards unlocked by your credit score

Check your credit score for free and compare cards without affecting your score

Find credit cards without affecting your score

Unlock great offers

Your credit score is the first step in unlocking credit card offers. As your credit score improves, you can can unlock better offers that reward you with cashback or rewards points. Finding a new credit card has never been so simple.


Market-leading lenders

We work with market-leading lenders to bring you great deals on balance transfer cards, purchase cards and reward cards. We show you updated offers from top credit card providers, including ANZ, American Express, and St George.

Finding the right credit card is simple on ClearScore

1. Sign up to ClearScore

Join ClearScore for free and see your credit score.

2. See credit card offers

Check your offers to compare your personalised deals.

3. Find the right credit card for you

Apply with confidence.

Which type of credit card works for you?


0% balance transfer card

This type of card lets you slash the interest on your existing credit card balance. You can move your balance over to a 0% balance transfer card and pay no interest at all for a fixed period. Bear in mind you may be charged a one-off transfer fee.


Reward card

A reward credit card works just like any other credit card, except that you earn points or cashback every time you use it. The more you use your credit card, the more points or cashback you’ll collect. Depending on which card you choose, you can use your points to pay for flights, hotel stays, petrol or your shopping.


0% purchase card

When you have plans to make a big purchase, you can use a 0% purchase card to spread out the cost without paying interest. As long as you pay off the balance on the card before you come to the end of the initial 0% period, you can enjoy no interest on your purchases.


Low rate card

A low rate credit card will help you save money if you don't pay the bill off in full every month.

Frequently asked questions

Can I apply for a credit card with a low credit score?

Yes, you can apply for a credit card if you have a low credit score, but lenders may offer you a lower credit limit or could decline your application. You could build your credit repayment history and improve your score before applying for a card.

How does ClearScore work?

When you sign up to ClearScore you can see your credit score and credit report for free. We work with Australia’s top credit card providers to offer our users market-leading deals on credit cards. We may receive a commission if you take out a product with a lender. Find out more here.

Can I get a credit card if I don’t have a credit score?

Some lenders are willing to accept applications without a detailed credit history. When you apply for a credit card, lenders will also check your personal financial details as well, this includes your income and expenses. Remember everyone has to apply for their first credit card at some point!

What happens if I miss a repayment on my credit card?

Missing a repayment on your credit card can lower your credit score. You’ll likely be charged a missed payment fee and any promotional offer on your card, such as 0% interest, may be cancelled, moving you onto a higher interest rate.

Does checking credit card offers harm my credit score?

Checking your credit card offers on ClearScore will never affect your credit score. You can compare your credit card deals in your Offers panel as often as you like without affecting your score.

Which lenders does ClearScore work with?

We bring you market-leading offers from a variety of lenders, including ANZ, American Express, Bendigo, and St George.