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Best Rewards Credit Cards

Earn points as you spend with a credit card linked to a loyalty program. Redeem your points for flights, accommodation, gift cards, and various other benefits. Different rewards programs and credit cards offer different perks, so whether you fly frequently or shop often at major supermarkets, you'll be able to find a credit card that suits your preferences.

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If you travel often, being a member of Qantas Frequent Flyer or Velocity Frequent Flyer could help you save by earning and redeeming points for travel related expenses. Getting a Qantas credit card or Virgin credit card is an easy way to earn points simply through your everyday spending.

If you're a member of Woolworths Rewards or Coles flybuys as you do your weekly grocery shop at one of the nation's main supermarkets, a Woolworths credit card or Coles credit card may be handy and help reduce the cost of your grocery bill.

Australia's major banks also have their own rewards programs, so if you have a preferred bank that you trust and already have an account with, you may want to consider a credit card with them as well. For example, get a ANZ credit card and earn points through ANZ Rewards.

Besides the linked rewards program, other aspects to consider include the annual fee and purchase rate. A reward program and its accompanying benefits is considered an added feature which can sometimes mean a more expensive annual fee. Be sure to use our group of Rates & Fees filters to narrow down options. For even more payment flexibility, filter for cards with a contactless payment feature such as Apple Pay or Samsung Pay.

If you aren't a member of any rewards or loyalty program yet, take a look at our Rewards & Loyalty Programs category to help you choose which ones you'd like to join.

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82 listings

Qantas American Express Discovery
  • Award Winner 2020

Qantas American Express Discovery

4.3 from 49 reviews
Purchase Rate20.74% p.a.
Annual Fee$0 p.a.
Interest Free Period 44 days
  • No Annual Fee

  • No Points Earn Cap

  • 0.75 point-per-dollar rate is reasonable for a $0-annual fee card

  • Generally fewer sign-up bonus points compared to other cards

  • Low Interest-Free Period (44 Days)

  • Transparency
    4.5 (35)
  • Rewards
    4.4 (31)
  • Online Experience
    4.5 (32)
  • Customer Service
    4.8 (33)
  • Rates and Fees
    4.4 (34)
  • Application Process
    4.7 (32)
  • Minimum Credit Limit $2,000
  • Minimum Income $35,000
  • Rewards ProgramQantas Frequent Flyer
  • Points Earn Rate 0.75 points per $1
  • Contactless PaymentsApple Pay, Fitbit Pay, Google Pay and Samsung Pay
Qantas American Express Ultimate

Qantas American Express Ultimate

4.0 from 65 reviews
Purchase Rate20.74% p.a.
Annual Fee$450 p.a.
Interest Free Period 44 days

Sign-Up Bonus Points100,000

  • Regular Bonus Point Offers

  • High Points Earn Rate

  • Uncapped Annual Points Accrual

  • $450 yearly Qantas Travel Credit

  • Two complimentary Qantas Lounge invitations

  • High Annual Fee ($450)

  • Only 44 days Interest-Free Period

  • 1% Balance Transfer Establishment Fee

  • $65,000 minimum income requirement

  • Reviewers commonly complain that AmEx is not accepted everywhere

  • Transparency
    4.4 (36)
  • Rewards
    4.6 (37)
  • Online Experience
    4.3 (36)
  • Customer Service
    4.6 (38)
  • Rates and Fees
    3.6 (38)
  • Application Process
    4.4 (39)
  • BenefitsComplimentary Travel Insurance, Sign-Up Bonus Points Offer and Travel Credit
  • Minimum Credit Limit $3,000
  • Minimum Income $65,000
  • Rewards ProgramQantas Frequent Flyer
  • Points Earn Rate 1.25 points per $1
  • Contactless PaymentsApple Pay, Google Pay and Samsung Pay
  • Sign-Up Bonus Receive 100,000 bonus Qantas Points when you apply online by 14 April 2020 and spend $3,000 within the first 3 months.
Coles Rewards Mastercard

Coles Rewards Mastercard

3.5 from 103 reviews
Purchase Rate19.99% p.a.
Annual Fee$99 p.a.
Interest Free Period 55 days

Sign-Up Bonus Points120,000

  • No International Transaction Fee

  • Earn 2 flybuys Points per $1 on eligible spend

  • $10 off Coles supermarket shop at the checkout each time you redeem 2,000 flybuys points

  • 0% p.a. on balance transfers for 18 months

  • Relatively high $99 Annual Fee

  • $30 Late Payment Fee

  • Transparency
    3.8 (84)
  • Rewards
    4.3 (72)
  • Online Experience
    3.7 (80)
  • Customer Service
    3.6 (86)
  • Rates and Fees
    3.8 (82)
  • Application Process
    3.9 (74)
  • BenefitsNo Foreign Transaction Fee and Sign-Up Bonus Points Offer
  • Rewards Programflybuys and Velocity Frequent Flyer
  • Points Earn Rate 2 points per $1
  • Contactless PaymentsApple Pay and Samsung Pay
Commonwealth Bank Awards

Commonwealth Bank Awards

3.5 from 83 reviews
Purchase Rate20.24% p.a.
Annual Fee$59 p.a.
Interest Free Period 55 days

Sign-Up Bonus Points30,000

  • Entry-level credit limit of $500 minimum

  • Can earn either Commbank Awards points or Qantas Frequent Flyer points

  • High Balance Transfer Rate (5.99%)

  • Awards points earn rate capped at 50,000 per annum

  • Qantas points earn rate capped at 12,000 per annum

  • Switching to Qantas points program incurs an additional $30 annual fee

  • Transparency
    4.1 (48)
  • Rewards
    4.1 (37)
  • Online Experience
    4.4 (48)
  • Customer Service
    4.3 (48)
  • Rates and Fees
    3.6 (49)
  • Application Process
    4.2 (39)
  • Minimum Credit Limit $500
  • Rewards ProgramCommBank Awards
  • Points Earn Rate 1 points per $1
  • Contactless PaymentsApple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
  • Sign-Up Bonus Receive 30,000 Bonus Awards Points when you apply by 29 February 2020 and spend $2,000 within 90 days.
Coles No Annual Fee MasterCard

Coles No Annual Fee MasterCard

3.3 from 158 reviews
Purchase Rate19.99% p.a.
Annual Fee$0 p.a.
Interest Free Period 55 days
  • No annual fee

  • 0% p.a. on purchases or balance transfers for 6 months when you apply by 31 March 2020

  • $10 off Coles supermarket shop at the checkout each time you redeem 2,000 flybuys points

  • Low flybuys points earn rate of 1 Flybuy Point per $2

  • 2.5% International Transaction Fee

  • Relatively high 19.99% interest rate

  • Reviewers mention poor customer service should an issue arise

  • Transparency
    3.9 (95)
  • Rewards
    4.0 (81)
  • Online Experience
    3.8 (94)
  • Customer Service
    3.8 (96)
  • Rates and Fees
    4.3 (95)
  • Application Process
    4.3 (82)
  • Minimum Credit Limit $2,000
  • Maximum Credit Limit $60,000
  • Minimum Income $25,000
  • Rewards Programflybuys
  • Points Earn Rate 0.5 points per $1
  • Contactless PaymentsApple Pay and Samsung Pay
Commonwealth Bank Diamond Awards

Commonwealth Bank Diamond Awards

3.5 from 41 reviews
Purchase Rate20.24% p.a.
Annual Fee$349 p.a.
Interest Free Period 55 days
  • Earn 1.25 Awards Points per $1

  • International Travel Insurance included

  • Cashback offers with Mastercard Travelers Rewards

  • $349 Annual Fee

  • 3% International Transaction Fee

  • Minimum Credit Limit of $15,000

  • Transparency
    4.0 (28)
  • Rewards
    3.4 (27)
  • Online Experience
    4.3 (29)
  • Customer Service
    4.3 (30)
  • Rates and Fees
    3.3 (31)
  • Application Process
    4.1 (23)
  • BenefitsComplimentary Travel Insurance
  • Minimum Credit Limit $15,000
  • Maximum Credit Limit $50,000
  • Rewards ProgramCommBank Awards
  • Points Earn Rate 1.25 points per $1
  • Contactless PaymentsApple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
Westpac Altitude Black

Westpac Altitude Black · includes 6 listings

3.0 from 73 reviews
Purchase Rate20.24 to 20.49% p.a.
Annual Fee$199 p.a., $250 p.a. and $300 p.a.
Interest Free Period At least 44 days

Sign-Up Bonus Points20,000 to 100,000

  • Uncapped points earning

  • Lounge passes and travel insurance included

  • Annual fee is not inclusive of Velocity or QFF membership fee

  • $75,000 minimum income required

  • Transparency
    3.9 (40)
  • Rewards
    4.0 (41)
  • Online Experience
    3.7 (42)
  • Customer Service
    3.8 (43)
  • Rates and Fees
    3.0 (43)
  • Application Process
    3.7 (39)
  • BenefitsComplimentary Travel Insurance and Sign-Up Bonus Points Offer
  • Minimum Credit Limit $3,000 to $15,000
  • Maximum Credit Limit $75,000
  • Minimum Income $75,000
  • Rewards ProgramQantas Frequent Flyer, Velocity Frequent Flyer and Westpac Altitude Rewards
  • Points Earn Rate 0.75 to 3 points per $1
  • Contactless PaymentsApple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
  • Reduced First Year Annual Fee $250
Westpac Altitude Platinum

Westpac Altitude Platinum · includes 8 listings

3.3 from 41 reviews
Purchase Rate20.24 to 20.49% p.a.
Annual Fee$49 p.a., $150 p.a. and $200 p.a.
Interest Free Period At least 44 days

Sign-Up Bonus Points15,000 to 80,000

  • Receive 60,000 Bonus Points if you apply by 15 October 2019 and spend $3,000 on eligible purchases in the first 90 days from card approval

  • Uncapped points earn rate

  • Complimentary Insurance covers, including Overseas Travel, Purchase Security and Transit Accident Insurance

  • $150 Annual Fee (additional $50 if you choose Velocity or Qantas)

  • 3% Foreign Transaction Fee

  • Transparency
    3.9 (19)
  • Rewards
    3.8 (16)
  • Online Experience
    3.6 (19)
  • Customer Service
    3.9 (18)
  • Rates and Fees
    3.2 (20)
  • Application Process
    4.1 (18)
  • BenefitsComplimentary Travel Insurance and Sign-Up Bonus Points Offer
  • Minimum Credit Limit $3,000 to $6,000
  • Rewards ProgramQantas Frequent Flyer, Velocity Frequent Flyer and Westpac Altitude Rewards
  • Points Earn Rate 0.5 to 2 points per $1
  • Contactless PaymentsFitbit Pay, Garmin Pay, Google Pay and Samsung Pay
ANZ Rewards Travel Adventures

ANZ Rewards Travel Adventures

3.6 from 24 reviews
Purchase Rate20.24% p.a.
Annual Fee$225 p.a.
Interest Free Period 55 days

Sign-Up Bonus Points75,000

  • 75,000 bonus Velocity Points if you spend $2,500 on eligible purchases in the first 3 months of approval

  • Complimentary return domestic flight and two Virgin Australia lounge passes each year

  • No Overseas Transaction Fee on purchases

  • 1.5 ANZ Reward Points per $1 on eligible purchases up to $2,000 per statement period

  • Complimentary Overseas Travel Insurance

  • Complimentary Extended Warranty Insurance and Purchase Security Insurance

  • High $225 Annual Fee

  • Reviewers mention the complimentary flight is difficult to book (must be booked 2 months prior to flying, also hard to find seats during peak times)

  • Lower earn rate of 0.5 ANZ Reward Points per $1 after the first $2,000 per statement period

  • Transparency
    4.2 (20)
  • Rewards
    3.9 (19)
  • Online Experience
    3.9 (19)
  • Customer Service
    4.2 (19)
  • Rates and Fees
    3.6 (20)
  • Application Process
    4.0 (19)
  • BenefitsComplimentary Travel Insurance, No Foreign Transaction Fee, Sign-Up Bonus Points Offer and Travel Credit
  • Minimum Credit Limit $6,000
  • Minimum Income $35,000
  • Rewards ProgramANZ Rewards and Velocity Frequent Flyer
  • Points Earn Rate 1.5 points per $1
  • Contactless PaymentsApple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
  • Sign-Up Bonus 75,000 bonus Velocity Frequent Flyer Points when you spend $2,500 on eligible purchases in the first 3 months of approval.
American Express Explorer

American Express Explorer

4.2 from 14 reviews
Purchase Rate20.74% p.a.
Annual Fee$395 p.a.
Interest Free Period 55 days

Sign-Up Bonus Points70,000

  • $400 Travel Credit each year

  • 0% p.a. on Balance Transfers for the first 12 months

  • Two complimentary entries per year to the American Express Lounge at Sydney or Melbourne International Airports

  • Earn up to 2 Membership Rewards points per $1

  • Complimentary Travel Insurance

  • $395 Annual Fee

  • 1% Balance Transfer Fee

  • Transparency
    4.2 (13)
  • Rewards
    4.0 (12)
  • Online Experience
    4.4 (13)
  • Customer Service
    4.6 (12)
  • Rates and Fees
    3.5 (13)
  • Application Process
    4.7 (11)
  • BenefitsComplimentary Travel Insurance, Sign-Up Bonus Points Offer and Travel Credit
  • Minimum Credit Limit $3,000
  • Minimum Income $65,000
  • Rewards ProgramAmerican Express Membership Rewards
  • Points Earn Rate 2 points per $1
  • Contactless PaymentsApple Pay, Fitbit Pay, Google Pay and Samsung Pay
  • Sign-Up Bonus Receive 70,000 Membership Rewards Bonus Points when you spend $3,000 within the first 3 months.
Citibank Citi Rewards Platinum

Citibank Citi Rewards Platinum

2.9 from 72 reviews
Purchase Rate21.49% p.a.
Annual Fee$149 p.a.
Interest Free Period 55 days

Sign-Up Bonus Points120,000

  • Multiple Promotional Offers to choose from (see Details) if you apply by 31 January 2020

  • Points Earn Rate: 1 Citi Point per $1 spent

  • Linked Diners Club Card has No International Transaction Fees and 2 Citi Points per $1 spent earn rate

  • 0% on Balance Transfers for either 12, 15 or 26 months

  • Reduced $0 or $49 Annual Fee in your first year

  • $149 or $199 Annual Fee after your first year

  • 3.4% International Transaction Fee

  • 1% or 1.5% Balance Transfer Fee may apply depending on which sign-up offer you choose

  • Transparency
    3.6 (38)
  • Rewards
    3.9 (35)
  • Online Experience
    3.7 (39)
  • Customer Service
    3.7 (39)
  • Rates and Fees
    3.5 (38)
  • Application Process
    3.8 (37)
  • BenefitsReduced First Year Annual Fee and Sign-Up Bonus Points Offer
  • Minimum Credit Limit $6,000
  • Maximum Credit Limit $100,000
  • Minimum Income $35,000
  • Rewards ProgramCiti Rewards
  • Points Earn Rate 1 points per $1
  • Contactless PaymentsApple Pay and Samsung Pay
  • Sign-Up Bonus Receive up to 120,000 bonus points (80,000 points when you spend $3,000 in the first 90 days from approval and an additional 40,000 points on your first anniversary)
  • Reduced First Year Annual Fee $49
GO MasterCard

GO MasterCard

2.6 from 776 reviews
Purchase Rate22.74% p.a.
Annual Fee$0 p.a.
Interest Free Period 55 days
  • 0% interest for a set period (min. $300 purchases)

  • Three repayment options to choose from

  • $5.95 Monthly Fee

  • $25 Establishment Fee

  • High rate once the interest-free period ends (22.74%)

  • Transparency
    3.5 (333)
  • Rewards
    2.5 (121)
  • Online Experience
    3.5 (307)
  • Customer Service
    3.6 (343)
  • Rates and Fees
    3.2 (349)
  • Application Process
    4.0 (291)
  • Minimum Credit Limit $1,000
  • Maximum Credit Limit $25,000
  • Rewards ProgramGO Rewards
  • Points Earn Rate 1 points per $1
  • Contactless PaymentsApple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
American Express Platinum

American Express Platinum

3.1 from 39 reviews
Purchase Rate
Annual Fee$1,450 p.a.
Interest Free Period 44 days

Sign-Up Bonus Points120,000

  • No pre-set spending limit

  • Card is made of metal

  • Access to over 1,200 airport lounges worldwide

  • 2.25 Membership Rewards points per $1 spent

  • $1,450 Annual Fee

  • Minimum required income of $100,000

  • Transparency
    3.5 (23)
  • Rewards
    3.6 (20)
  • Online Experience
    3.6 (23)
  • Customer Service
    3.8 (24)
  • Rates and Fees
    2.7 (23)
  • Application Process
    4.0 (20)
  • BenefitsComplimentary Travel Insurance, Sign-Up Bonus Points Offer and Travel Credit
  • Minimum Income $100,000
  • Rewards ProgramAmerican Express Membership Rewards
  • Points Earn Rate 2.25 points per $1
  • Contactless PaymentsApple Pay, Fitbit Pay, Google Pay and Samsung Pay
  • Sign-Up Bonus Receive a welcome bonus of 120,000 Membership Rewards points when you spend $1,500 in the first 3 months.
Woolworths Everyday Platinum

Woolworths Everyday Platinum

2.6 from 367 reviews
Purchase Rate19.99% p.a.
Annual Fee$49 p.a.
Interest Free Period 55 days
  • $10 off at Woolworths for 2,000 points (min. $667 spend)

  • 10% off one shop at Woolworths each month

  • Regular promotions to waive the annual fee for the first year

  • Points earned are not the same as regular Woolworths Rewards points

  • Points cannot be converted to Qantas Frequent Flyer points

  • Transparency
    3.8 (59)
  • Rewards
    3.9 (49)
  • Online Experience
    3.8 (57)
  • Customer Service
    3.6 (62)
  • Rates and Fees
    3.6 (62)
  • Application Process
    3.8 (56)
  • BenefitsReduced First Year Annual Fee
  • Minimum Credit Limit $6,000
  • Minimum Income $30,000
  • Points Earn Rate 3 points per $1
  • Contactless PaymentsApple Pay
  • Reduced First Year Annual Fee $0
St.George Amplify Signature

St.George Amplify Signature · includes 2 listings

3.8 from 17 reviews
Purchase Rate19.74% p.a.
Annual Fee$279 p.a.
Interest Free Period At least 55 days

Sign-Up Bonus Points80,000 to 200,000

  • 200,000 Bonus Amplify Points or 90,000 Bonus Qantas Points on offer

  • Earn 1.5 Amplify Points or 0.75 Qantas Points for each dollar spent on eligible purchases, uncapped. Plus, receive Birthday Bonus Points

  • 0% pa. on Balance Transfers for 6 months

  • Complimentary Insurance Covers and 2 Lounge Passes each year

  • $179 Annual Card Fee for the first year ($279 thereafter)

  • 3% Overseas Transaction Fee

  • Balance Transfer Rate reverts to high Cash Advance Rate of 19.74% after the first 6 months

  • Transparency
    4.4 (14)
  • Rewards
    4.7 (11)
  • Online Experience
    4.3 (14)
  • Customer Service
    4.5 (14)
  • Rates and Fees
    3.9 (14)
  • Application Process
    4.4 (15)
  • BenefitsReduced First Year Annual Fee and Sign-Up Bonus Points Offer
  • Minimum Credit Limit $15,000
  • Rewards ProgramAmplify Rewards and Qantas Frequent Flyer
  • Points Earn Rate 0.75 to 1.5 points per $1
  • Contactless PaymentsGoogle Pay and Samsung Pay
  • Reduced First Year Annual Fee $139
David Jones American Express

David Jones American Express

2.8 from 66 reviews
Purchase Rate20.74% p.a.
Annual Fee$99 p.a.
Interest Free Period 44 days

Sign-Up Bonus Points40,000

  • 40,000 Reward Points or 20,000 Qantas Points on offer

  • Earn up to 3 Reward Points or 1.5 Qantas Points per dollar (1 Reward Point = 0.5 Qantas Points)

  • 3% Currency Conversion Fee

  • $99 Annual Fee

  • Transparency
    3.4 (19)
  • Rewards
    3.3 (21)
  • Online Experience
    3.5 (20)
  • Customer Service
    3.5 (20)
  • Rates and Fees
    3.0 (21)
  • Application Process
    3.7 (20)
  • BenefitsSign-Up Bonus Points Offer
  • Minimum Credit Limit $2,000
  • Minimum Income $40,000
  • Rewards ProgramAmerican Express Membership Rewards and Qantas Frequent Flyer
  • Points Earn Rate 3 points per $1
  • Contactless PaymentsApple Pay, Google Pay and Samsung Pay
  • Sign-Up Bonus Receive 40,000 Reward points or 20,000 Qantas Points when you apply online by 5th December 2019, are approved and spend $750 outside David Jones in the first three months of becoming a Card Member.
Latitude Infinity Rewards Visa

Latitude Infinity Rewards Visa

3.9 from 14 reviews
Purchase Rate20.69% p.a.
Annual Fee$69 p.a.
Interest Free Period 55 days
  • Earn 1 Latitude Infinity Rewards Point per $1 spent, uncapped

  • 3% International Transaction Fees

  • $0.95 BPAY Fee

  • Transparency
    4.3 (11)
  • Rewards
    3.8 (10)
  • Online Experience
    3.7 (13)
  • Customer Service
    3.8 (13)
  • Rates and Fees
    4.1 (11)
  • Application Process
    4.3 (8)
  • Rewards ProgramLatitude Infinity Rewards
  • Points Earn Rate 1 points per $1
  • Contactless PaymentsApple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
ANZ Rewards

ANZ Rewards

2.8 from 52 reviews
Purchase Rate20.24% p.a.
Annual Fee$80 p.a.
Interest Free Period 44 days

Sign-Up Bonus Points25,000

  • 25,000 Bonus Reward Points when you spend $1,000 on eligible purchases in the first 3 months from approval

  • 1 Reward Point per $1 spent on eligible purchases up to $1,000 per statement period

  • Up to 55 interest free days on purchases

  • 3% Overseas Transaction Fee

  • Lower earn rate of 0.5 Reward Points per $1 after the first $1,000 per statement period

  • Transparency
    3.9 (19)
  • Rewards
    4.1 (17)
  • Online Experience
    3.9 (18)
  • Customer Service
    3.9 (18)
  • Rates and Fees
    3.2 (19)
  • Application Process
    4.1 (14)
  • Minimum Credit Limit $1,000
  • Minimum Income $15,000
  • Rewards ProgramANZ Rewards
  • Points Earn Rate 1 points per $1
  • Contactless PaymentsApple Pay, Garmin Pay, Google Pay and Samsung Pay
  • Sign-Up Bonus 25,000 bonus Reward Points when you spend $1,000 on eligible purchases in the first 3 months from approval.
Commonwealth Bank Platinum Awards

Commonwealth Bank Platinum Awards

3.0 from 34 reviews
Purchase Rate20.24% p.a.
Annual Fee$249 p.a.
Interest Free Period 55 days

Sign-Up Bonus Points100,000

  • 100,000 Bonus Awards Points if you apply by 29 Feb 2020 and spend $4,000 within 90 days from activation

  • Earn 1 Awards point for every $1 spent

  • International Travel Insurance included

  • $249 Annual Fee

  • 3% International Transaction Fee

  • Points are capped at 150,000 points per year

  • Transparency
    3.7 (21)
  • Rewards
    2.8 (17)
  • Online Experience
    4.0 (21)
  • Customer Service
    4.0 (21)
  • Rates and Fees
    2.8 (21)
  • Application Process
    4.0 (15)
  • BenefitsComplimentary Travel Insurance and Sign-Up Bonus Points Offer
  • Minimum Credit Limit $6,000
  • Maximum Credit Limit $50,000
  • Minimum Income $50,000
  • Rewards ProgramCommBank Awards
  • Points Earn Rate 1 points per $1
  • Contactless PaymentsApple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
  • Sign-Up Bonus Receive 100,000 Bonus Awards Points when you apply by 29 February 2020 and spend $4,000 within 90 days.
American Express Essential

American Express Essential

2.5 from 106 reviews
Purchase Rate14.99% p.a.
Annual Fee$0 p.a.
Interest Free Period 55 days
  • $0 Annual Fee & Low Interest Rate of 14.99% p.a. on purchases

  • Earn up to 1.25 Membership Rewards Points per $1

  • 0% p.a. on Balance Transfers for the first 12 months

  • Smartphone Screen Insurance

  • Add up to 4 Additional Cards at no extra cost

  • 3% Balance Transfer Fee

  • 3% Currency Conversion Fee

  • Transparency
    3.9 (43)
  • Rewards
    3.8 (37)
  • Online Experience
    3.9 (40)
  • Customer Service
    4.0 (43)
  • Rates and Fees
    3.8 (41)
  • Application Process
    4.2 (37)
  • Minimum Credit Limit $2,000
  • Maximum Credit Limit $25,000
  • Minimum Income $40,000
  • Rewards ProgramAmerican Express Membership Rewards
  • Points Earn Rate 1.25 points per $1
  • Contactless PaymentsApple Pay, Fitbit Pay, Google Pay and Samsung Pay
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