Easy Street Low Rate Visa Credit Card

Easy Street Low Rate Visa Credit Card

Highlights

  • Low-interest rate of 8.99% p.a. on purchases and cash advances.
  • Low annual fee of $40 p.a.
  • 0% p.a. for 6 months on balance transfers with no balance transfer fee on amounts transferred (reverts to 8.99% p.a. thereafter).

Pros and cons

Pros

  • The low-interest rate on purchases and cash advances.
  • Low annual fee.
  • Up to 55 interest free-days on purchases.
  • Get an additional cardholder with no additional fee.
  • Credit limit from $500 onwards.

Cons

  • There is a 3% international transaction fee.
  • No rewards program.

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    The basics

    • Additional cardholders. You can add one additional cardholder for free with this card. This will enable you to share your account with a family member, but the account holder will be responsible for all management and repayments.
    • Digital wallets. This card is compatible with Apple Pay, Google Pay, and Samsung Pay digital wallets.
    • Gambling transactions. Easy Street do not allow gambling-related purchases to be made using the Low Rate Visa Credit Card.

    Rewards and benefits

    • Complimentary travel insurance. Easy Street Low Rate Visa Credit Card does not include complimentary international travel insurance.
    • Concierge services. The Easy Street Low Rate Visa Credit Card does not offer a concierge service.
    • Insurances. This card provides fraud protection and access to Easy Street's global network.
    • Rewards points. This credit card does not have a rewards program.
    • Sign up bonus. Easy Street does not offer any sign up bonus for this card.

    Rates and fees

    • Annual fee. Easy Street charges a $40 annual fee for this card.
    • Balance transfers. This credit card offers a 6-month introductory balance transfer offer at 0% p.a. The revert rate is 8.99% p.a., which is lower than average.
    • Cash advances. Cash advances are charged at 8.99% p.a., with interest accruing immediately from the transaction date. This cash advance rate is below average for the market.
    • Foreign exchange fee. This card charges a 3% fee for all purchases made using a foreign currency, both online and while travelling overseas.
    • Interest-free period. Enjoy up to 55 days interest-free on purchases (except cash advances) when you pay the balance in full or make the minimum repayment amount by the due date.
    • Purchases. There is no introductory offer on purchases. Purchases will attract interest at the low ongoing rate of 8.99% p.a.
    Nilooka Dissanayake

    Reviewed by Nilooka Dissanayake

    Writer

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