Easy Street Credit Cards

This online bank offers a low rate credit card with simple features. Here's what else you need to know.

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Easy Street

Key takeaways

  • Easy Street has been operating since 2004 as a division of Community First Credit Union Limited.
  • It has a digital-first approach to banking, with no branches and a range of banking and insurance products.
  • It offers one credit card, the Easy Street Low Rate Visa, which has the same low variable interest rate for purchases, cash advances and balance transfers (outside of any promotions).

Compare Easy Street credit cards

Purchase rate p.a. Bonus points Points per $ spent Interest-free period Balance transfer rate p.a. Annual fee
Easy Street Easy Low Rate Visa credit card image
Purchase rate p.a.
8.99%
Bonus points
N/A
Points per $ spent
N/A
Interest-free period
Up to 55 days on purchases
Balance transfer rate p.a.
0% for 12 months
with 0% balance transfer fee
Annual fee
$50
Save with a 0% p.a. introductory rate on balance transfers. Plus, a variable interest rate of 8.99% p.a. on purchases and cash advances combined with a low annual fee.
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Congratulations, Easy Street!

The Easy Street Easy Low Rate Visa credit card was highly commended for Best Low Rate Credit Card in the 2025 Finder Awards.

Full list of 2025 winners

Benefits of getting an Easy Street credit card

Mobile wallets

Easy Street credit cards can be added to Apple Pay, Google Pay and Samsung Pay so you can shop straight from your mobile phone or other devices.

Visa benefits

The Easy Street Low Rate Visa Credit Card can be used in-store, online and overseas, with acceptance in over 200 countries and regions around the world. It also gives you access to exclusive offers on shopping, dining, travel and entertainment through Visa Offers + Perks.

Free additional credit card

The Easy Street Easy Low Rate Visa offers an additional card at no extra cost. This can be helpful if you want to share your account with a partner or family member, but keep in mind that you'll still be responsible for managing the account.

Security features

This card gives you access to Visa's Zero Liability Policy against fraudulent transactions and 24/7 phone support for lost and stolen cards. It also offers Visa Secure and EFTPOS Secure for an added level of protection when you're shopping online.

Internet and mobile banking

Keep track of your balance, make payments and manage your account through Internet banking or Easy Street’s smartphone app.

How to apply for a Easy Street credit card

Applying for a credit card online is fast and easy. You'll need to be at least 18 years of age and meet the card's eligibility criteria. For more about eligibility, the kinds of documentation you'll need and the factors that can affect whether your card application is approved, check out our full guide to applying for a credit card.

Credit card brands similar to Easy Street

If you want a credit card from a member-owned bank (or credit union), here are 3 other credit card providers you could compare with Easy Street:

Sources

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Journalist

Amy is an experienced journalist with over 16 years of experience, contributing to major publications like Money Magazine, The Sydney Morning Herald, and ABC News Australia. Specialising in personal finance, she frequently appeared in media outlets and on radio. Amy holds a Bachelor of Arts in Journalism and Drama from Griffith University and earned RG146 certifications in Tier 1 Generic Knowledge and Tier 2 General Advice Deposit Products, ensuring her expertise is grounded in current financial regulations. Amy was Finder's Senior Writer for Credit Cards from 2016 to 2024. See full bio

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