Compare credit cards by what you actually spend

One catalog, every market we cover. Filter by country, card type, issuer and network, then upload a statement and let your own spending pick the card instead of a generic ranking.

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Australia91Canada155Hong Kong20Japan15Singapore55United Arab Emirates37United Kingdom107United States205
All card typesCash back1Rewards61Travel & airline36No annual fee8Balance transfer38Low interest20Business4
All issuersAmerican ExpressANZBank AustraliaBank of MelbourneBankSABankwestBendigo BankBOQCommBankINGMacquarieNABQantas MoneySt.GeorgeVirgin MoneyWestpac
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38 cards in Australia

Showing 25–38

The American Express Explorer® Credit Card

American Express · AMEX

No ratings yetNot yet rated
Annual fee
A$395
Purchase APR
23.99% p.a. on purchases 2
Welcome offer
Receive 75,000 Bonus Membership Rewards® Points 1 when you apply online by 3 November 2026, 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.
Verified 13 Sept 2026
ApplySee if it fits my spending
Full details

The Qantas American Express Ultimate Card

American Express · AMEX

No ratings yetNot yet rated
Annual fee
A$450
Purchase APR
23.99% p.a. 2
Welcome offer
Earn up to 120,000 bonus Qantas Points 1 That’s 70,000 bonus Qantas Points when you apply online by 17 November 2026, 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. Plus, earn an additional 50,000 bonus Qantas Points when you spend a further $5,000 on eligible purchases within the first 3 months of your second year of Card Membership. T&Cs apply. New Amex Card Members only.
Verified 13 Sept 2026
ApplySee if it fits my spending
Full details

The American Express® Platinum Card

American Express · AMEX

No ratings yetNot yet rated
Annual fee
A$1,450
Welcome offer
Earn up to 300,000 Bonus Membership Rewards® Points 1 That’s 200,000 Bonus Membership Rewards Points when you apply online by 3 November 2026, are approved, and spend $5,000 on eligible purchases on your new American Express® Platinum Card within the first 3 months of your approval date. Plus, earn an additional 100,000 Bonus Membership Rewards Points when you spend a further $5,000 on eligible purchases within the first 3 months of your second year of Card membership. T&Cs apply. New Amex Card Members only.
Verified 13 Sept 2026
ApplySee if it fits my spending
Full details
For issuers and partners

Tell us what you would like to feature and we will send back what is available. Placements are labelled as sponsored and sit outside the ranked list, which no issuer can pay into.

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Common questions about comparing cards

How do I choose a credit card?

Choose a credit card by matching its highest reward rates to the categories you already spend most in, then subtracting the annual fee from the rewards you would realistically earn. A card paying 5% on dining is worth less than a flat 2% card if dining is a small share of your spending.

Can I compare credit cards from different countries?

Yes. Woodo keeps a separate catalog per country because credit cards are licensed and priced per market, so a card available in Singapore cannot be opened from the United States. Select a country to see the cards actually issued there.

Does comparing credit cards affect my credit score?

Comparing credit cards does not affect your credit score. Only submitting an application triggers a hard inquiry, and browsing or filtering a comparison page does not.

How does Woodo rank credit cards?

Woodo ranks credit cards by annual fee and reward coverage. No issuer can pay to move a card up the list. Most comparison sites work the other way: Bankrate and WalletHub both disclose that advertiser compensation affects the order in which cards appear in their listings.

Do credit card comparison sites get paid to rank cards higher?

Many do. Bankrate discloses that its compensation may impact the order in which products appear within listing categories, and WalletHub discloses that advertising affects the order and prevalence of offers. Woodo separates the two: the ranked list is ordered by stated consumer criteria only, and any paid placement appears in a slot labelled as sponsored, outside that list.

How current is the card data?

Every card shows the date its details were last verified against the issuer or network source. Cards whose data passes the staleness threshold stop displaying rates and fees rather than showing an outdated number.

Woodo currently tracks 685 cards. Each is re-verified against its issuer or network source on a monthly schedule.