Credit cards offers & sign-up deals
The table below displays a range of credit cards from our Online Partners with sign-up offers. Conditions, costs and eligibility criteria apply.

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The initial results in the table above are sorted by Annual fee (Low-High) , then Reward points per $1 (High-Low) . Additional filters may have been applied, which impact the results displayed in the table - filters can be applied or removed at any time.
What is a credit card offer?
A credit card offer usually comes in the form of bonus rewards points, frequent flyer points, cashback or other rewards, when you apply and are approved for a certain credit card. There may be conditions attached to the credit card offer. Providers may also only offer credit card deals for a limited time. For example, you may get a 0% interest rate for the first 12 months or pay no annual fee for the first year only.
What is the best credit card?
There’s no one-size-fits all option when it comes to credit cards, and the ‘best’ one for you will ultimately depend on your needs and financial situation. For instance, if you’re a frequent traveller, then a credit card linked to a frequent flyer program can offer some tempting perks in terms of airline points and airport lounge access, but only if you spend enough to take advantage of these perks and can manage your card by paying it off each billing cycle to avoid interest.
How to compare credit cards
When searching for a credit card, there are a few factors that could be worth keeping in mind, including:
- Purchase rate: A low purchase rate (or interest rate that’s applied to regular purchases) will also help keep ongoing costs low, especially if you don’t expect to be able to pay off your balance in full each month. Rewards credit cards generally come with higher purchase rates.
- Annual fee: Some low fee credit cards may have a $0 annual fee period if certain requirements are met. Rewards credit cards generally come with higher annual fees.
- Credit limit: Low fee credit cards tend to have lower credit limits. The credit limit you’re offered is typically based on your financial situation and ability to repay the credit limit.
- Interest-free period: Some credit card providers offer interest-free credit cards. The interest-free period for these cards may be for a limited time only or ongoing. Most credit cards also come with a set amount of interest free days, which are an amount of days after a billing cycle before interest will start being charged on a purchase.
- Features: In general, low fee and low interest rate credit cards tend to offer fewer features, but that varies from card to card. Rewards credit cards usually come with more features, hence their higher annual fees and purchase rates. These features can include complimentary travel insurance, airport lounge access, purchase protection and the ability to earn rewards points.
Are credit card offers worth it?
If you’re considering getting a credit card with a sign-up offer, it’s important to make sure the card is right for your needs and financial circumstances. Make sure you look at factors like the interest rate, fees, interest-free period and any rewards or other perks on offer.
Also ask yourself the following questions before you apply:
- Do you pay your closing credit card balance in full each month? Rewards credit cards often have higher interest rates which can be about 20% p.a., based on average stats from Canstar’s database.
- Are the potential rewards worth the annual fee for the card? Rewards credit cards also typically have higher annual fees than non-rewards cards.
- If you receive rewards or frequent flyer points, are the points going towards a reward you would actually value? Consider what you would redeem the points on.
- What conditions apply? Check whether you have to spend a certain amount to get the sign-up offer. Be careful of overspending just to get a reward or perk. If the offer is only available for a limited time, check what applies when this ends (e.g. what is the revert interest rate or annual fee?)
You can compare credit card offers from our Online Partners using the table above. Be sure to read the full terms and conditions and product documentation, such as the Product Disclosure Statement (PDS), Target Market Determination (TMD) and Key Facts Sheet, of each offer before you apply for a credit card. It’s also important to remember that a credit card without a sign-up bonus could still offer better value for you overall.
Canstar compares credit cards based on both price and features. As part of the price score, Canstar considers factors such as the rewards earned and the fees.
Frequently Asked Questions about Credit Cards Offers and Sign-up Deals
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Canstar Credit Card Star Ratings and Awards
Looking for an award-winning credit card product or to switch providers or brands? Canstar rates products based on price and features in our Credit Card Star Ratings and Awards. Our expert Research team shares insights about which products offer 5-Star value and which providers offer outstanding value overall.
Canstar rates a range of financial products, covering banking, insurance and investment. We also reveal which providers have the most satisfied customers in our dedicated Customer Satisfaction Awards.
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About the authors
Nina Rinella, Editor-in-Chief

Joshua Sale, GM, Research

Important information
For those that love the detail
This advice is general and has not taken into account your objectives, financial situation or needs. Consider whether this advice is right for you.