Cheap Credit Cards of 2025

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Cheap Credit Cards

Mozo may receive payment if you click products on our site. We don’t compare the entire market, but you can search our database of 191 products
Last updated 12 June 2025Important disclosures
  • Apply By 1 July 2025
    American Express Essential® Rewards Credit Card

    Receive 60,000 Bonus Membership Rewards® Points when you apply online by 1 July 2025, are approved, and spend $3,000 on eligible purchases on your new American Express Essential® Rewards Credit Card within the first 3 months. T&Cs apply. Available to new American Express Card Members only.

    Purchase rate
    Balance transfer rate
    Annual fee
    Rewards program
    23.99% p.a.
    No current offer
    $108
    Membership Rewards
    Compare
    Details
  • Apply By 1 July 2025
    American Express Qantas Ultimate Card

    Receive 50,000 bonus Qantas Points1 when you apply online by 1 July 2025, are approved, and spend $5,000 on eligible purchases on your new Qantas American Express Ultimate Card within the first 3 months of your approval date. T&Cs apply. Available for new American Express Card Members only.

    Purchase rate
    Balance transfer rate
    Annual fee
    Rewards program
    23.99% p.a.
    No current offer
    $450
    Qantas Frequent Flyer
    Compare
    Details
  • Apply By 1 July 2025
    American Express Explorer® Credit Card

    Receive 75,000 Bonus Membership Rewards® Points when you apply online by 1 July 2025, are approved, and spend $4,000 on eligible purchases on your new American Express Explorer® Credit Card within the first 3 months. T&Cs apply. Available to new American Express Card Members only.

    Purchase rate
    Balance transfer rate
    Annual fee
    Rewards program
    23.99% p.a.
    No current offer
    $395
    Membership Rewards
    Compare
    Details
  • NAB Low Rate Card - Cash Back Offer

    Score $400 Cashback when you spend $5,000 on purchases within 150 days from account opening (T&Cs apply). 0% p.a. on balance transfers (BT) for 12 months. A 3% balance transfer fee applies. Unpaid balance transfer reverts to variable cash advance rate. Up to 55 days interest free on purchases when you pay your account in full by the monthly due date.

    Purchase rate
    Balance transfer rate
    Annual fee
    Rewards program
    13.49% p.a.
    0% p.a. for 12 months and then 21.74% p.a. (3.00% balance transfer fee)
    $59
    -
    Compare
    Details
  • Apply By 10 June 2025
    American Express Velocity Escape Plus Card

    Receive 20,000 bonus Velocity Points1 when you apply online by 9 September 2025, are approved, and spend $1,000 on eligible purchases on your new American Express Velocity Escape Plus Card within the first 3 months. T&Cs apply. Available to new American Express Card Members only.

    Purchase rate
    Balance transfer rate
    Annual fee
    Rewards program
    23.99% p.a.
    No current offer
    $95
    Velocity Frequent Flyer
    Compare
    Details
  • Apply By 12 August 2025
    American Express Velocity Platinum Card

    Receive 60,000 bonus Velocity Points1 when you apply online by 12 August 2025, are approved, and spend $3,000 on eligible purchases on your new American Express Velocity Platinum Card within the first 3 months. T&Cs apply. Available to new American Express Card Members only.

    Purchase rate
    Balance transfer rate
    Annual fee
    Rewards program
    23.99% p.a.
    No current offer
    $440
    Velocity Frequent Flyer
    Compare
    Details
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^See information about the Mozo Experts Choice Credit cards Awards

Mozo provides general product information. We don't consider your personal objectives, financial situation or needs and we aren't recommending any specific product to you. You should make your own decision after reading the PDS or offer documentation, or seeking independent advice.

While we pride ourselves on covering a wide range of products, we don't cover every product in the market. If you decide to apply for a product through our website, you will be dealing directly with the provider of that product and not with Mozo.

Credit card providers we compare at Mozo

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Credit Card Resources

Views, news, tips and guides to help find the best credit card for you.

Credit Card Reviews

ANZ Credit Card
Overall 6/10
The online is good website can be complicated

This is ok. I have had a fe problems where they havent protected my bank account from scams. But the customer service is usally very good

Read full review

This is ok. I have had a fe problems where they havent protected my bank account from scams. But the customer service is usally very good

Price
8/10
Features
6/10
Customer service
8/10
Convenience
5/10
Trust
8/10
Less
Eliza, South Australia, reviewed 2 months ago
ANZ First
Overall 2/10
Not happy jan

I haven’t had any credit cards or loans im 40 years old and they declined me for not having any credit history so 3/10 rubber chickens

Read full review

I haven’t had any credit cards or loans im 40 years old and they declined me for not having any credit history so 3/10 rubber chickens

Price
5/10
Features
4/10
Customer service
6/10
Convenience
3/10
Trust
4/10
Less
James, Victoria, reviewed 2 months ago
Bendigo Bank Qantas Platinum Credit Card
Overall 7/10
Not convenient for joint accounts

When you have a joint account almost everything needs to be done in branch. But our local branch is only open 10-2 and they don’t accept appointments for weeks in advance. We moved everything except our credit card (for now) because of lack of convenience when trying to make any changes to our accounts.

Read full review

When you have a joint account almost everything needs to be done in branch. But our local branch is only open 10-2 and they don’t accept appointments for weeks in advance. We moved everything except our credit card (for now) because of lack of convenience when trying to make any changes to our accounts.

Price
10/10
Features
8/10
Customer service
3/10
Convenience
2/10
Trust
7/10
Less
Kristy, Victoria, reviewed 3 months ago

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