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Best Rewards Credit Cards
6 listings
- Award Winner 2020
Qantas American Express Discovery
- Pros & Cons
- Review Summary
- Specifications
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 4.4 (37)
- Customer Service4.7 (35)
- Rates and Fees4.3 (36)
- Rewards4.2 (33)
- Online Experience4.4 (34)
- Application Process4.6 (34)
- BenefitsTravel Credit
- Minimum Credit Limit A$2,000
- Maximum Credit Limit A$100,000
- Minimum Income A$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
Sign-Up Bonus Points55,000
- Pros & Cons
- Review Summary
- Specifications
Regular Bonus Point Offers
High Points Earn Rate
Uncapped Annual Points Accrual
$450 annual Qantas Travel Credit
Two complimentary Qantas Lounge invitations
High Annual Fee ($450)
1% Balance Transfer Establishment Fee
$65,000 minimum income requirement
Reviewers commonly complain that AmEx is not accepted everywhere
- Transparency 4.2 (38)
- Customer Service4.5 (40)
- Rates and Fees3.5 (40)
- Rewards4.5 (39)
- Online Experience4.2 (38)
- Application Process4.4 (41)
- BenefitsComplimentary Travel Insurance, Sign-Up Bonus Points Offer and Travel Credit
- Minimum Credit Limit A$3,000
- Minimum Income A$65,000
- Rewards ProgramQantas Frequent Flyer
- Points Earn Rate 1.25 points per $1
- Contactless PaymentsApple Pay, Google Pay and Samsung Pay
American Express Explorer
Sign-Up Bonus Points150,000
- Pros & Cons
- Review Summary
- Specifications
Up to 150,000 bonus Membership Rewards points on offer
$400 Travel Credit each year
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)
- Customer Service4.6 (12)
- Rates and Fees3.5 (13)
- Rewards4.0 (12)
- Online Experience4.4 (13)
- Application Process4.7 (11)
- BenefitsComplimentary Travel Insurance, Sign-Up Bonus Points Offer and Travel Credit
- Minimum Credit Limit A$3,000
- Minimum Income A$65,000
- Rewards ProgramAmerican Express Membership Rewards
- Points Earn Rate 2 points per $1
- Contactless PaymentsApple Pay, Fitbit Pay, Google Pay and Samsung Pay
- Pros & Cons
- Review Summary
- Specifications
Up to 200,000 bonus Membership Points on offer (see Details)
No pre-set spending limit
Card is made of metal
2.25 Membership Rewards points per $1 spent
$1,450 Annual Fee
Minimum required income of $100,000
- Transparency 3.2 (29)
- Customer Service3.7 (30)
- Rates and Fees2.4 (29)
- Rewards3.1 (26)
- Online Experience3.4 (28)
- Application Process3.8 (24)
- BenefitsComplimentary Travel Insurance, Sign-Up Bonus Points Offer and Travel Credit
- Minimum Income A$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
American Express Platinum Edge
Sign-Up Bonus Points50,000
- Pros & Cons
- Review Summary
- Specifications
50,000 Bonus Membership Rewards points on offer
$200 Travel Credit each year
Earn up to 3 Membership Rewards Points per $1
0% p.a. on Balance Transfers for the first 12 months
Complimentary Travel Insurance
$195 Annual Fee
1% Balance Transfer Fee
- Transparency 3.5 (10)
- Customer Service3.5 (11)
- Rates and Fees3.0 (11)
- Rewards3.1 (9)
- Online Experience3.7 (11)
- Application Process4.0 (10)
- BenefitsComplimentary Travel Insurance, Sign-Up Bonus Points Offer and Travel Credit
- Minimum Credit Limit A$3,000
- Minimum Income A$50,000
- Rewards ProgramAmerican Express Membership Rewards
- Points Earn Rate 3 points per $1
- Contactless PaymentsApple Pay, Fitbit Pay, Google Pay and Samsung Pay
Virgin Australia Velocity Flyer
Sign-Up Bonus Points40,000
- Pros & Cons
- Review Summary
- Specifications
Multiple Promotional Offers to choose from (see Details below)
$129 Virgin Australia Gift Voucher each year
Earn Velocity Points at a rate of 0.66 points per $1 spent up to $1,500 per statement period
3.3% International Transaction Fee
Earn Rate drops to 0.5 points per $1 spent after the first $1,500 per statement period
- Transparency 2.9 (22)
- Customer Service2.8 (22)
- Rates and Fees2.8 (21)
- Rewards3.4 (18)
- Online Experience2.8 (22)
- Application Process3.8 (17)
- BenefitsComplimentary Travel Insurance, Reduced First Year Annual Fee, Sign-Up Bonus Points Offer and Travel Credit
- Minimum Credit Limit A$6,000
- Maximum Credit Limit A$50,000
- Minimum Income A$35,000
- Rewards ProgramVelocity Frequent Flyer
- Points Earn Rate 0.66 points per $1
- Introductory Rate 0% p.a. for up to 14 months on purchases.
- Reduced First Year Annual Fee A$65
- Contactless PaymentsSamsung Pay