Top rewards cards 2019 to score masses of points and freebies: Mozo Editor's Picks

Getting rewarded for your shopping sprees could seem like an amazing dream. But when you have the right rewards card in your wallet, scoring masses of points and freebies while you spend could become your new reality.

There’s a tonne of rewards card options on the market, each with their own array of dazzling perks and bonuses. Whether you’re a frequent flyer, after perks like airport lounge access and complimentary travel insurance, or an everyday shopper looking to use points for your grocery spend, there are always lots of cards to choose from. Which is why selecting the right one for you could prove to be a bit tough.

So to help you narrow down your choices, we’ve listed some of our favourite rewards credit cards below for you to check out.

American Express - Explorer® Credit Card
  • 50,000 Membership Rewards Bonus Points when you spend $3,000 within 3 months
  • $400 Travel Credit annually
  • 2 Membership Rewards points per $1 spent, no matter how much you spend each month

A travel lover’s new companion, the American Express Explorer® Credit Card is loaded with an awesome bonus point offer. Plus, boost your points with the great 2 points per $1 spent regular earn rate. But the benefits don’t stop there, there’s a yearly travel credit which cancels out the $395 annual fee and a range of complimentary insurance covers, including overseas travel insurance and smartphone screen repair cover. You can use your Amex Explorer card with Apple Pay, Samsung Pay and Android Pay, plus to maximise your points pile, you can pick up supplementary cards at no extra cost. There’s no surprise it picked up two 2018 Mozo Experts Choice Awards in the categories of Velocity Frequent Flyer Premium Credit Card and Premium Rewards Credit Card.

ANZ - Frequent Flyer Black
  • 120,000 bonus Qantas Points + $150 cash back when you spend $7,500 within 3 months
  • 75 bonus Status Credits when you buy and fly return with Qantas by 30 June 2019
  • Complimentary Qantas Frequent Flyer membership
Find out more

If you regularly fly Qantas, then you’ve met your match with the ANZ Frequent Flyer Black. Not only will you have a regular earn rate of 1 point per $1 spent in your pocket, but there is also a tonne of bonus points up for grabs. Plus the opportunity to stack up Status Credits on your frequent flyer account and extras, like complimentary travel insurance, 2 Qantas Club Lounge visits each year and a concierge service. Hence why it’s a twice-winner of 2018 Mozo Experts Choice awards for Best Premium Card Benefits and Best Qantas Frequent Flyer Premium Credit Card.

Citi - Rewards
  • Up to 200,000 bonus points (monthly spend applies)
  • 0% balance transfer offer for 24 months (1.5% BT fee applies)
  • $49 annual fee in the first year ($149 after)
Find out more

We all love to take advantage of perks and benefits - with the Citi Platinum rewards program you’ll be scoring flights and gift cards that make treating yourself or others a breeze. With the Citi Platinum card, you’ll have the chance to earn up to 200,000 bonus points as long as you spend $1,000 each month for the first 20 months after card approval. Plus earn 1 point per $1 up to $10,000 per month, access a complimentary 24/7 concierge service and use points to pay for purchases you’ve already made on your card.

Latitude - Infinity Visa
  • 1 point per $1 spent earn rate, uncapped
  • Low $69 annual fee
  • Optional Shoppers Protection Insurance
Find out more

If shopping sprees are on the agenda this year, then the Latitude Infinity Rewards credit card might just be your ideal partner. With an earn rate of 1 Infinity Point for every $1 you spend, plus uncapped points earning potential the Latitude Infinity Rewards could have you racking up points in no time. Plus, with a relatively low annual fee of just $69, you shouldn't run into any unnecessarily high costs along the way.

Coles - Rewards Mastercard
  • 2 flybuys points per $1 spent on eligible products
  • No International transaction fee on purchases
  • Get $10 off your Coles supermarket shop when you redeem 2,000 flybuys points
Find out more

Looking to earn coveted, uncapped points, for a small annual fee cost? Then Coles Rewards Mastercard could be the one for you. It allows you to collect 2 flybuys points per $1 on eligible spends, plus a bonus 1 point per $1 spent when doing the grocery shop at Coles. And not only is it designed for shopping in Australia but is also a top choice for travel with no foreign exchange fee on overseas purchases. There’s no wonder Mozo's experts ranked it as one of the market's best travel credit cards in the 2018 Experts Choice Travel Money Awards.

And if you didn’t find exactly what you’re looking for you can head over and take our Rewards Revealer tool for a spin to find your rewards credit card match.

*All rates and offers mentioned in this article are correct as of 11/1/19, but may be subject to change. Please check the full Mozo review for each product for the most up-to-date information.

^See information about the Mozo Experts Choice Credit Card Awards

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