Best Rewards Credit Cards 2018

The Amex Essential card's 1 point for every dollar spent and lack of annual fee combine to make it a winner. There's even Smartphone screen insurance that can cover repairs for up to $500 when using the card to pay for the phone or contract.

The Coles Rewards Mastercard offers 2 points per dollar, delivering good value despite the $99 annual fee.

The big focus for Jetstar's card is of course flights. Put all your hard earned points toward Jetstar vouchers and get your next holiday sooner.

The Latitude Infinity Rewards card offers no points capping and no expiry with lots of rewards options all for a low annual fee. Great value when redeeming those points for a gift card.

This one's for the hardcore shoppers! One point for every dollar spent, a reasonable annual fee, as well as bonus points for purchases at Myer.

The annual fee on the Amex Explorer Card is more than made up for by earning 2 points for every dollar spent. There's also a $400 travel credit available every year along with a couple of complimentary airport lounge passes.

Whether you're hunting for gift cards or flights, the Amex Platinum Edge Credit Card delivers solid value and there are bonus points on offer for money spent at major supermarkets and petrol stations. Cover the cost of the annual fee by using the $200 travel credit each year.

No complicated rewards program here, just great value with 1 point for every dollar spent on the Bank of Sydney Platinum Credit Card, and one of the lowest number of points required to get cash back of any of the cards we assessed.

If you're spending as much as you can on your credit card to stack up rewards points you'll have no trouble meeting the $6,000 annual spend hurdle that sees you wave goodbye to the annual fee on the HSBC Platinum Credit Card.

The big focus for Jetstar's card is of course flights. Put all your hard earned points from the Platinum Mastercard toward Jetstar vouchers and get your next holiday sooner!

This one's for the shoppers! 1 point for every dollar spent, a reasonable annual fee, and bonus points for purchases at Myer.

Rev up your points earning by combining an American Express issued card that earns 3 points per dollar with Westpac's Altitude Black card. And don't miss out on the 2 complimentary passes for the Priority Pass lounge each year.

Another winning combo from Westpac. The Platinum card comes with a lower annual fee than the Black option, but combining with an American Express card lets you get up to 2 points per dollar spent.

The Woolworths Everyday Platinum Credit Card is great to cut your grocery bills. Get 1 point for every dollar spent and Woolies will convert them into shopping cards that can be used at participating stores.

The Qantas Discovery Card is an award winning option from American Express that earns 1 point for every dollar spent yet has no annual fee. Get points faster by adding up to 4 additional cards for family and friends for no extra fee.

The Qantas Premier Everyday Credit Card joins the party with a low annual fee and points funnelled directly into the Qantas Frequent Flyer program. Use the Qantas Money App to pull together information about your accounts with other financial institutions.

The Amex Qantas Ultimate card is well named - a $450 Qantas Travel credit each year nicely offsets the annual fee, plus take advantage of two complimentary Qantas Club and American Express Lounge invitations each year, as well as free Qantas Wine Premium Membership.

ANZ's top level Qantas Frequent Flyer card gives you points for every dollar spent, as well as a bunch of perks including 2 free Qantas Club lounge access passes every year and discounted Qantas Club membership if you want access every time you fly.

As you'd expect from Qantas Money's premium card it's stacked with flight perks. Get a $300 Qantas Flight Voucher when you spend $4,000 in the first 90 days from card approval, 2 complimentary Qantas Club Lounge passes every year, and once a year save up to 20% on selected domestic Qantas flights for you and up to 8 companions.

Rev up your points earning by combining an American Express issued card that earns 3 points per dollar with Westpac's Altitude Black card. And don't miss out on the 2 complimentary passes Priority Pass lounge each year.

Another winning combo from Westpac. A lower annual fee than the Black option, but combining with an American Express card lets you get up to 2 points per dollar spent.

With the Velocity Escape Card, there's no cap on how many points you can earn each month, and virtually every dollar spent adds a point to your stash. Check out the range of insurances included and know that American Express can help no matter where you are around the world. All from a card with no annual fee!

The Amex Essential card's lack of annual fee and earning a point for every dollar spent combine to make it a winner. There's even Smartphone screen insurance that can cover repairs for up to $500 when using the card to pay for the phone or contract.

The Coles Rewards Mastercard offers 2 points per dollar, delivering good value even though there's a $99 annual fee.

The annual fee on the Amex Explorer Card is more than made up for by earning 2 points for every dollar spent. There's also a $400 travel credit available every year along with a couple of complimentary airport lounge passes.

The Velocity Platinum card not only offers serious rewards points potential, but on top of that you could get a free economy domestic flight every year and 2 complimentary passes for the Virgin Australia lounge.

Whether you're hunting for gift cards or flights the Amex Platinum Edge Credit Card delivers solid value, and there are bonus points on offer for money spent at major supermarkets and petrol stations. Cover the cost of the annual fee by using the $200 travel credit each year.

Virgin's High Flyer card is aimed squarely at travellers. Not only did we find the rewards program to deliver great value, there's also a $129 Virgin Australia Gift Voucher available every year and a range of built-in insurances including international travel insurance.

Rev up your points earning by combining an American Express issued card that earns 3 points per dollar with Westpac's Altitude Black card. And don't miss out on the 2 complimentary passes for the Priority Pass lounge each year.

The Qantas Money team released the low fee alternative to their established Platinum offering towards the end of 2017. It features up to 0.75 Qantas Points per dollar on everyday spends and more overseas, plus travel insurance and concierge - all for a $49 annual fee which is waived in the first year. A fully featured card, without the fully featured price tag makes it Mozo's Best New Rewards Credit Card of the Year.