Explore credit cards from a range of lenders, compare key features, choose an option that suits your needs.
Get a clear view of your finances
Our straightforward report helps you understand exactly where you are, and checking it will never harm your score.
Achieve your goals
Get updates about what's changed on your report and what's affecting your credit score so you know how to improve it.
Feel confident about applying
Compare a wide range of credit card offers, review key details, and explore your options, all without impacting your credit score.
View cards from trusted lenders, and review key features and benefits, without harming your credit score.
See my card offers
Simplify life's big decisions
Your credit history can unlock a lot of doors. From accessing credit to getting a home, know where you stand with your score and report. Sign up to ClearScore and get a complete overview of your finances.
Boost your approval chance
Get personalised insights to improve your credit score. A better score can mean better offers - like a lower interest rate on a loan or a higher limit on a credit card.
Apply with confidence
Discover personal loans, credit cards and car finance offers from some of NZ's most trusted lenders. Compare key features such as interest rates, limits, and benefits, and explore your options without harming your credit score.
Know your identity is safe
Signing up to ClearScore gives you automatic access to Protect. We'll look for any stolen passwords connected to your email address and keep you informed, so you can feel safe knowing your identity is protected.
Improve your credit score with monthly insights
Every time you check your report, you can review up to 8 personalised insights, all designed to help you improve your score (or keep it on track), so you could start seeing better offers.
View your credit limits
We break down your accounts into simple categories: credit cards, loans and more. Just select one to see details of what credit you have available, including your current limit.
Join the people who already trust ClearScore to help them improve their financial future.
Sign up for freeWhen you sign up to ClearScore, you can see your credit score and report for free. We show you a range of credit offers across credit cards and loans from our lender partners, so you can compare options in one place. We receive a commission if you take out a product with one of our lender partners.
Yes, you can apply for a credit card even with a low credit score, but lenders may offer you a lower credit limit or decline your application. You could build your credit repayment history and improve your score before applying for a card.
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, including your income and expenses. Remember, everyone has to apply for their first credit card at some point!
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.
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.
