Compare Rewards Program credit cards

Find a great low rate credit card deal. Compare features on 28 Rewards Program credit cards from 11 providers, including Westpac, Citibank, and apply direct.

By using your rewards credit card for purchases you can earn points to redeem for flights, travel, tech gadgets, vouchers and more. Just keep in mind when comparing rewards credit cards on MoneyBuddy that although we list a number of rewards cards and features, we may not have every every rewards card listed or every feature available to compare.

The list below is not to be taken as a recommendation or an endorsement of any product or provider. We do not have any details of your personal circumstances and therefore are unable to make a recommendation as to which product might be most suitable for you. The information is presented to you so that you may make a decision based on your personal circumstances. The information in the list is presented randomly.

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All product information comes from the product provider or an affiliate and to the best of our knowledge is correct at time of publishing. MoneyBuddy endeavours to keep product information up to date however we cannot be responsible for changes made to this information by product providers and/or inaccurate information obtained from a product provider. We recommend that you check the accuracy of all information provided on this website with the product provider. MoneyBuddy earns a referral fee from redirecting website users to a product provider's website. Further details are provided in relation to specific product information. Website users have no obligation to apply for a product or service that they may be referred to by this website.

Warning: These comparison rates are true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

Choosing a Rewards Credit Card

Rewards credit cards are a great way to get something back for sending money on your credit card. But the simple fact is that many people don't get proper value from the rewards program that they choose - especially when they take into consideration the annual fee they pay.

Rewards cards work by assigning a points value to every dollar spent on the credit card. Each rewards program values points and spend differently, so when comparing rewards credit cards you need to compare apples with apples, but that is easier said than done! Here are some tips for choosing the a card that will work for you.

1) Decide on the type of rewards you would like to redeem from your spending. If you save up your reward points for travel and flights then look at the programs that offer the deals in that area. For flights this could include Virgin Velocity or Qantas Frequent Flyer programs. Some other cards also have travel packages as rewards. If you prefer to redeem your points for vouchers, technology items or anything else check out what program offers for you and how many points you will need to redeem.

2) Look at how many points you earn per $1 spent. Earning 3 points per $1 is great except if you need 100,000 points to receive a $20 voucher! Compare your options for the same reward program, as you will find that your points earning power does vary between banks and credit cards. When comparing it's also worth checking if there are any points caps in place. Some credit cards limit your points earning potential, for example points are only earned on the first $1,500 spent each month.

3) Consider realistically how much your monthly credit card spend will be. You will want to ensure that your points earning capacity each year is worth more to you than the annual fee on your credit card. If it's not then choosing a no annual fee credit card may be a better option for you. If you will spend enough and you find a rewards program that is suited to your needs, then you can apply for a rewards credit card and start earning points!

A rewards credit card can help you get some extra goodies just for spending money that you would spend anyway. Just be careful though because if you can't afford to pay your credit card balance in full each month then you will have to pay interest and potentially other fees. You should ensure that you only apply for financial products - including rewards credit cards - which fit your personal needs and requirements.

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