Best Rewards Credit Cards 2017

Congratulations to the winner’s of Mozo Experts Choice Awards for rewards credit cards 2017. If you’re after a credit card to earn flight, travel or retail rewards, the Mozo Experts Choice winners list below is a great place to start your search.

Experts choice awards hero 2017

What are the Mozo Experts Choice Awards?

The Mozo Experts Choice Awards have been running since 2014 and provide a platform to highlight products in the marketplace we believe offer great value to Australians.

For the 2017 rewards credit card awards, over 124 rewards credit cards from 41 financial institutions were compared by our money experts. The best rewards credit card for you will depend on your spending habits and financial needs so there are several categories of awards to help you narrow down your search.

For details on how we crunched the numbers and determined the award winners see our methodology report.

Winners for

Rewards Credit Cards

Credit card provider of the year: American Express

American Express won 11 Experts Choice Awards in 2017. In addition to winning awards in all rewards credit cards categories, American Express was also awarded for its low fee credit cards and balance transfer options.

American Express
American Express

Essential Credit Card

Membership Rewards

14.99% p.a.

0% p.a. for 12 months and then 14.99% p.a. (3.00% balance transfer fee)

$0

1 point per dollar on Amex, uncapped

American Express
American Express

Qantas Discovery Card

Qantas Frequent Flyer

20.74% p.a.

0% p.a. for 12 months and then 20.74% p.a. (1.00% balance transfer fee)

$0

1 point per dollar on Amex, uncapped

American Express
American Express

Qantas Ultimate Card

Qantas Frequent Flyer

20.74% p.a.

0% p.a. for 12 months and then 20.74% p.a. (1.00% balance transfer fee)

$450

1.5 points per dollar on Amex, uncapped

American Express
American Express

Explorer Credit Card

Membership Rewards

20.74% p.a.

0% p.a. for 12 months and then 20.74% p.a. (1.00% balance transfer fee)

$395

2 points per dollar on Amex, uncapped

American Express
American Express

Platinum Edge Credit Card

Membership Rewards

20.74% p.a.

0% p.a. for 12 months and then 20.74% p.a. (1.00% balance transfer fee)

$195

1 point per dollar on Amex, uncapped

American Express
American Express

Velocity Platinum Card

Velocity Frequent Flyer

20.74% p.a.

0% p.a. for 12 months and then 20.74% p.a. (1.00% balance transfer fee)

$375

1.5 points per dollar on Amex, uncapped

American Express
American Express

Low Rate Credit Card

8.99% p.a.

0% p.a. for 12 months and then 8.99% p.a. (1.00% balance transfer fee)

$0

n/a

Premium Rewards Credit Card

The more you spend, the more rewards options you’ll have so to find the top performers for a person spending $60,000 a year on their credit card we compared 124 rewards credit cards in our database. Here’s the best rewards cards picks according to our experts.

ANZ
ANZ

Frequent Flyer Black

Qantas Frequent Flyer

1 point per dollar on Visa, up to $7,500 per month, then
0.5 points per dollar on Visa, uncapped

$425

19.99% p.a.

NAB
NAB

Qantas Rewards Signature Card

Qantas Frequent Flyer

1 point per dollar on Visa, up to $5,000 per month, then
0.5 points per dollar on Visa, up to $20,000 per month

$395 $295 in the first year

19.99% p.a.

American Express
American Express

Qantas Ultimate Card

Qantas Frequent Flyer

1.5 points per dollar on Amex, uncapped

$450

20.74% p.a.

Westpac
Westpac

Altitude Black

Qantas Frequent Flyer

0.75 points per dollar on Mastercard, uncapped

$300

20.24% p.a.

G&C Mutual Bank
G&C Mutual Bank

Platinum Visa Credit Card

Qantas Frequent Flyer

0.85 points per dollar on Visa, uncapped

$249

18.74% p.a.

Jetstar
Jetstar

Platinum Mastercard

Jetstar Dollars

0.02 points per dollar on Mastercard, up to $2,500 per month, then
0.01 point per dollar on Mastercard, uncapped

$169

19.99% p.a.

Macquarie
Macquarie

Black Card

Qantas Frequent Flyer

1 point per dollar on Visa, up to $4,000 per month, then
0.5 points per dollar on Visa, uncapped

$299 $99 in the first year

20.70% p.a.

Qantas Money
Qantas Money

Qantas Premier Platinum Credit Card

Qantas Frequent Flyer

1 point per dollar on Mastercard, up to $10,000 per month, then
0.5 points per dollar on Mastercard, uncapped

$299

19.99% p.a.

Woolworths
Woolworths

Qantas Platinum Credit Card

Qantas Frequent Flyer

0.5 points per dollar on Visa, uncapped

$169 $99 in the first year

20.49% p.a.

Rewards Credit Card

Check out the best rewards credit cards awarded Experts Choice honours in 2017 for the best value rewards card for a person spending $19,000, the average annual card spend according to RBA statistics. To find the best card for your spend level head to our Rewards Revealer.

NAB
NAB

Qantas Rewards Card

Qantas Frequent Flyer

0.5 points per dollar on Visa, up to $3,000 per month

$95

19.99% p.a.

American Express
American Express

Qantas Discovery Card

Qantas Frequent Flyer

1 point per dollar on Amex, uncapped

$0

20.74% p.a.

Coles
Coles

Rewards Mastercard

Flybuys

2 points per dollar on Mastercard, uncapped

$99

19.99% p.a.

Jetstar
Jetstar

Mastercard

Jetstar Dollars

0.01 point per dollar on Mastercard, up to 500 points per year

$69 $29 in the first year

14.99% p.a.

QBANK
QBANK

Bluey Rewarder Card

Rewarder

1 point per dollar on Visa, up to 10000 points per month

$48

17.24% p.a.

St.George
St.George

Amplify Classic

Qantas Frequent Flyer

0.5 points per dollar on Visa, uncapped

$79 $0 in the first year

19.49% p.a.

BankSA
BankSA

Amplify Classic

Qantas Frequent Flyer

0.5 points per dollar on Visa, uncapped

$79 $0 in the first year

19.49% p.a.

Bank of Melbourne
Bank of Melbourne

Amplify Classic

Qantas Frequent Flyer

0.5 points per dollar on Visa, uncapped

$79 $0 in the first year

19.49% p.a.

Westpac
Westpac

Altitude

Qantas Frequent Flyer

1 point per dollar on Amex, 0.5 points per dollar on Visa, up to 2500 points per month

$100

20.24% p.a.

Frequent Flyer Credit Card

If you fly regularly and are after a credit card to help you maximise the points earned through either the Qantas Frequent Flyer or Velocity Frequent Flyer programs, here’s the top Frequent Flyer picks for 2017 according to our experts.

American Express
American Express

Qantas Discovery Card

Qantas Frequent Flyer

1 point per dollar on Amex, uncapped

$0

20.74% p.a.

Virgin Money
Virgin Money

Virgin Australia Velocity High Flyer Card

Velocity Frequent Flyer

1 point per dollar on Visa, up to $8,000 per month, then
0.5 points per dollar on Visa, uncapped

$289

20.74% p.a.

American Express
American Express

Velocity Platinum Card

Velocity Frequent Flyer

1.5 points per dollar on Amex, uncapped

$375

20.74% p.a.

Qantas Money
Qantas Money

Qantas Premier Platinum Credit Card

Qantas Frequent Flyer

1 point per dollar on Mastercard, up to $10,000 per month, then
0.5 points per dollar on Mastercard, uncapped

$299

19.99% p.a.

Retail Rewards Credit Card

To help shoppers identify the best rewards cards for retail rewards, Mozo compared all rewards cards in our database to find the best rewards cards. Here’s the winners based on an annual card spend of $19,000 a year.

American Express
American Express

Essential Credit Card

Membership Rewards

1 point per dollar on Amex, uncapped

$0

14.99% p.a.

Coles
Coles

Rewards Mastercard

Flybuys

2 points per dollar on Mastercard, uncapped

$99

19.99% p.a.

Premium Retail Rewards Credit Card

If you’re a big spender looking for retail rewards, here are the best premium cards in 2017 based on an annual card spend of $60,000 a year according to our experts.

Bankwest
Bankwest

More Platinum Mastercard

Bankwest More Rewards

2 points per dollar on Mastercard, up to 400000 points per year

$160

19.99% p.a.

HSBC
HSBC

Platinum Credit Card

Rewards Plus

1 point per dollar on Visa, uncapped

$129 Refunded when you spend over $6,000 p.a, $0 in the first year

19.99% p.a.

Suncorp
Suncorp

Clear Options Platinum

Suncorp Rewards

1.25 points per dollar on Visa, uncapped

$129

20.74% p.a.

Woolworths
Woolworths

Everyday Platinum Credit Card

Woolworths Shopping Cards

1 point per dollar on Visa, uncapped

$49 $0 in the first year

19.99% p.a.

American Express
American Express

Explorer Credit Card

Membership Rewards

2 points per dollar on Amex, uncapped

$395

20.74% p.a.

American Express
American Express

Platinum Edge Credit Card

Membership Rewards

1 point per dollar on Amex, uncapped

$195

20.74% p.a.

Bank of Queensland
Bank of Queensland

Platinum Visa Credit Card

Q Rewards

2 points per dollar on Visa, up to 240000 points per year

$129 $60 in the first year

20.74% p.a.

Heritage Bank
Heritage Bank

Platinum

Heritage Credits

0.002 points per dollar on Visa, uncapped

$125 $0 when you spend over $35,000 p.a

17.99% p.a.

NAB
NAB

Flybuys Rewards Card

Flybuys

1 point per dollar on Visa, up to $20,000 per month

$95

19.99% p.a.

Judging Criteria

Every day Mozo keeps track of thousands of products in banking, energy and insurance.

The Mozo Experts Choice Awards recognise products that deliver exceptional value or benefits to consumers. Credit card providers don’t pay to be in the running and we don’t play favourites. Our Judges base their decision on hard-nosed calculations of value to the consumer, using Mozo’s extensive product database and research capacity.

Experts Choice Awards are awarded to the top 10% of products that meet the selection criteria in each awards category.

FAQs About the Mozo Experts Choice Rewards Credit Card Awards

How many rewards credit cards were compared for the awards?

Mozo assessed 124 rewards credit card products from 41 providers for the Mozo Experts Choice Credit Card Awards.

How objective are the awards? Do credit card providers pay to be included?

Providers do not pay to be included in our awards and our commercial relationships do not have any influence on the award results. All rewards credit cards in our database are eligible and our research team determines winners for each award according to the criteria of the rewards credit card awards category.

Are bonus points offers or introductory offers included in the awards calculations?

No, we have not included bonus points accumulated for using the credit card at specific merchants or specific categories of spend, introductory offers or special offers.

We have also not assigned any value to instant discounts, insurances, ticketing and concierge services or other such benefits.

Head to our rewards credit card hub if you want to compare some of the cards that do have bonus points offers available right now.

How can I find the best rewards card for my spend level?

For the awards, we used a $60,000 annual spend level to determine our premium rewards winners and $19,000 for our standard categories. Your credit card spend could be more or less than this and the cards that offer you the best rewards value could differ from our winners list. To determine the best card for your personalised spend level, use our Rewards Revealer tool.

Who are Mozo’s product experts?

Our research team is headed by our Data Services Director and our Product Data Manager who have over 50 years of financial services experience and 22 years in online financial comparison.

Where can I find details on the methodology used for the awards?

You can download our methodology report here. This includes all information about the awards criteria, and the methodology used.

I work for a financial provider, how do we promote our award win?

Please get in touch with us to discuss by emailing salesteam@mozo.com.au or phoning our advertising sales team on 02 9037 4368.