Finest Frequent Flyer Credit score Playing cards

Frequent flyer bank cards reward you with free flights, upgrades and different journey perks only for doing all your on a regular basis spending. There’s a card for all the things: you may select from primary, no-frills choices to playing cards that dish out huge factors and massive options.

Loads of frequent flyer bank cards include epic sign-up bonus factors to kickstart your rewards stash, and a few have stability switch options if you wish to shift your debt to a brand new card for 0% curiosity and to pay it off quicker.

Or, in case you’re simply saying “present me the factors!”, search for bank cards that pay out the very best variety of frequent flyer factors for each greenback you spend.
We’ve made it simple by summarising the options of every card proper right here. You possibly can click on the cardboard to see the cardboard’s full particulars on the financial institution’s web site, and apply from there too.

Right here’s the highest frequent flyer bank cards for July 2023

Try our prime frequent flyer offers for this month. Click on ‘go to supply’ for a full rundown of the cardboard’s options, and to use.

Qantas Premier Platinum Credit score Card – as much as 80,000 bonus Qantas Factors

With the Qantas Premier Platinum Credit score Card, you’ll stand up to 80,000 bonus Qantas Factors – 60,000 once you apply by 29 November 2023, and spend $3,000 or extra on eligible purchases inside 3 months from card approval, plus an extra 20,000 in case you haven’t earned Qantas Factors with a bank card within the final 12 months. Their rewards program is strong too, supplying you with 1.5 factors per $1 spent on worldwide purchases, 1 level for home spending (as much as $10,000 per assertion interval, then reverts to 0.5 factors) and a bonus level once you purchase chosen Qantas services. This card has another good perks, like a concierge service, discounted flights for as much as 8 companions, lounge entry and a lowered annual payment for the primary yr, plus 0% p.a. on stability transfers for 12 months.

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American Specific Qantas Enterprise Rewards Card – 150,000 bonus Qantas Factors

In the event you’ve obtained a enterprise and also you’re searching for alternatives to earn essentially the most of your transactions, it is best to benefit from this huge welcome provide of 150,000 bonus Qantas Factors from the American Specific Qantas Enterprise Rewards Card. Obtain 150,000 bonus Qantas Factors once you apply by 8 August 2023, are accredited and spend $3,000 on eligible purchases in your Card within the first 2 months from approval. Take pleasure in TRIPLE Qantas Factors for your corporation on eligible Qantas flights and a pair of Qantas Factors on Qantas services. It is a cost card with no pre-set spending restrict which ensures better cost flexibility. Presents two new thrilling advantages – as much as $200 again with Dell Applied sciences plus a complimentary 12-month digital subscription to The Australian Premium.

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Qantas American Specific Final – As much as 60,000 bonus Qantas Factors plus $450 Qantas Journey Credit score

The Qantas American Specific Final Credit score Card is a premium card that serves up a great deal of journey advantages and factors. New cardholders may obtain as much as 60,000 bonus Qantas Factors once you apply on-line, are accredited, and spend $3,000 on eligible purchases in your new Card inside the first 3 months. Earn as much as 1.25 Qantas Factors on on a regular basis purchases, 0.5 Qantas Factors on authorities spend, and an extra 1 level per $1 on eligible Qantas services with no factors capping. Annually you’ll obtain a $450 Qantas Journey Credit score for eligible home or worldwide Qantas flights when booked via American Specific Journey, which compensates for the $450 annual payment.

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NAB Qantas Rewards Signature Credit score Card – As much as 120,000 bonus Qantas Factors

The NAB Qantas Rewards Signature Credit score Card dishes out some good rewards and a lowered annual payment of $295 for the primary yr. You possibly can stand up to 120,000 bonus Qantas Factors as a brand new applicant, with just a few situations: you’ll unlock 90,000 factors once you spend $3,000 on eligible purchases inside 60 days, and one other 30,000 in case you maintain the cardboard for 12 months. The earn charge is first rate too, at 1 Qantas level per $1 spent as much as $5,000 monthly, after which 0.5 Qantas Factors per $1 as much as $20,000. This card additionally comes with free journey insurance coverage for abroad and home journey (situations apply), and concierge providers.

Discovering the Finest Credit score Card Presents on Frequent Flyer Playing cards

Frequent flyer factors (and the redemption packages they’re connected to) could be a complicated world to dive into, however they’re additionally a number of the finest perks a bank card can provide.
You’ll earn rewards factors only for doing all your day-to-day spending, and convert these factors into journey freebies and privileges, and even retail merchandise.
Now positive learn how to discover your finest card? We’ve obtained you coated. Under is a straightforward information on frequent flyer factors, how they work, and learn how to discover the bank card that’ll provide the most bang to your buck.

When you’re prepared to check, you may try our checklist of the highest frequent flyer bank cards for this month, or use our comparability device to kind frequent flyer playing cards by completely different options, and test what number of factors you would possibly earn in a yr primarily based in your regular spending habits.

Step 1: Issues to look out for when evaluating frequent flyer bank cards:

  • The frequent flyer program it’s connected to
  • Whether or not the factors may be transferred to different frequent flyer packages
  • Introductory bonus factors you get for signing up
  • Any expiration dates in your factors
  • The earn charge (factors you earn per greenback spent)
  • Caps on the factors you may earn
  • Annual charges
  • Different bonus options of the cardboard

Let’s check out some intimately.

Introductory Bonus Factors

Some frequent flyer playing cards provide you with bonus rewards factors on sign-up, as much as the tune of 120,000 factors (or much more). However there’s a small catch – you’ll want to fulfill the eligibility standards to get your factors, which normally means spending a minimal quantity in your card inside a sure timeframe. Test the quantity required and ensure you can meet it – it’s usually within the neighborhood of $3,000 spent inside 90 days of approval, however may be roughly.

What number of factors you could possibly earn

Rewards factors are handed out for the {dollars} you spend on eligible purchases. Some issues received’t earn rewards factors, like Bpay transactions, money advances (the place you withdraw cash out of your bank card) and a few authorities funds.

Most occasions, rewards additionally received’t apply on stability transfers, the place you progress your stability remaining from one bank card to a brand new one which has 0% or low curiosity utilized to the transferred quantity. Test the cardboard’s PDS and the TMD to verify.

We clarify all about stability switch bank cards in our information to utilizing stability transfers to assist pay down debt.

The quantity of factors you may earn will depend on just a few issues:

  1. The earn charge. That’s what number of factors per $1 you spend. 1 frequent flyer level per greenback is pretty customary, though some playing cards provide 0.5 or 0.75 factors per $1.
  2. Tiered factors. Typically the earn charge modifications relying on what you purchase and the place. For example, a card would possibly pay 1 level per $1 for eligible purchases as much as a certain quantity monthly, after which it drops to 0.5 factors per $1 after that. You would possibly earn extra factors for worldwide purchases, or for purchasing merchandise via an affiliate enterprise or airline.
  3. Factors caps. Some playing cards put a restrict on the quantity of frequent flyer factors you may earn in a yr (for example, 100,000 factors yearly). Nonetheless, in some circumstances, factors which might be earned for purchases made with specific companies are uncapped factors and don’t depend in direction of your whole factors depend. So you could possibly earn, for instance, 125,000 factors in a yr even when the cap is 100,000, as a result of 25,000 have been earned from uncapped purchases at sure shops.
  4. Membership standing. Relying on the cardboard, chances are you’ll earn standing factors together with your spending that transfer you up into extra prestigious tiers, probably providing extra factors per $1, and unlocking extra journey options like additional checked baggage, flight upgrades and lounge entry.

To take advantage of factors out of your spending, you may take into consideration how a lot you spend in your card every month, and select a proposal with uncapped factors or the next spending tier so that you don’t lose out on invaluable rewards by hitting the factors incomes restrict.

Additionally, take into account the stuff you purchase usually. In the event you use your card for grocery store spending, search for a card with the very best earn charge on these purchases. Or, in case you use your card for journey, discover a card that rewards spending on flights, lodging and automotive leases.

Annual charges and ongoing prices (and the trifecta candy spot)

The balancing act of discovering an incredible frequent flyer card for you is weighing up the annual payment, the earn charge and the introductory provide.

Tremendous helpful recommendations on annual charges:

  • A card with a giant introductory provide is prone to have the next earn charge, but in addition the next annual payment.
  • A card with a average introductory provide will normally have a decrease earn charge, and a decrease annual payment to swimsuit.

Discovering a card that hits your trifecta candy spot means trying on the worth you’ll get from the frequent flyer rewards, and deciding if it outweighs the annual payment.

For instance, in case you earned 45,000 factors per yr on a Qantas frequent flyer bank card that provided 1 level per $1 spent, and had an annual payment of $350, you would need to weigh up in case your factors earn was well worth the barely larger yearly payment.

Contemplating 36,000 factors can get you to Christchurch and again from Sydney utilizing Qantas factors (plus any regular taxes and airline charges), and including in every other perks the cardboard presents like free journey insurance coverage, the cardboard may go out effectively in your favour even with the next annual payment.

And naturally, that instance doesn’t embrace any bonus provide factors once you enroll.

On that time, some playing cards provide lowered annual charges for the primary yr, or decrease ongoing annual charges in case you spend a minimal quantity per yr. Test for the most recent frequent flyer bank card annual payment offers utilizing the ‘annual payment’ toggle on our one-click comparability device.

The curiosity you’ll be charged

Once you use your bank card and don’t repay the stability (the quantity you owe) earlier than the due date or inside any interest-free intervals the cardboard presents, you’ll must pay curiosity on the stability.

It’s additionally referred to as the acquisition charge, and frequent flyer bank cards are inclined to have larger buy charges as a result of they’re a high-value card.

Test the acquisition charge and ensure you’re assured you may carry on prime of your repayments so that you’re not slugged with excessive curiosity costs, as a result of that can cut back the worth of your journey rewards.

Expiration dates on frequent flyer factors

Some frequent flyer factors by no means expire, however some expire inside a sure timeframe, or in case you don’t use your card for a specified period of time. It’s usually simple to maintain your account lively since you’ll be incomes factors each time you spend in your card.

Frequent Flyer program Factors expiry coverage The best way to preserve factors lively
Velocity Factors Sure, after 24 months of inactivity
  • Use your card for spending at the least as soon as in 24 months
  • Switch FlyBuys factors to your Velocity account
  • Redeem factors out of your card
Qantas Factors Sure, after 18 months of inactivity in your account
  • Use your card for spending at the least as soon as in 18 months
  • Redeem factors out of your card
  • Use the Qantas Wellbeing app that rewards you with Qantas factors for sleeping and exercising
  • Use your On a regular basis Rewards card at Woolworths and set the factors to switch on to your Qantas Factors account (2,000 Everday Rewards factors = 1,000 Qantas factors)
American Specific Journey Factors No expiry, however factors will likely be misplaced if all playing cards linked to this system are cancelled
  • Hold one Amex card open and connected to your Membership account
  • Use your factors earlier than you cancel the cardboard
  • Switch the factors to an airline within the Amex community

At all times test the superb print of the frequent flyer program for expiration insurance policies, and any conditions the place they could cancel the rewards program.

Step 2: Unpacking the very best frequent flyer program for you

Every frequent flyer bank card is linked to a particular frequent flyer program you can redeem the factors via.

Right here’s a snapshot of the frequent flyer packages out there that cowl Australian and worldwide airways:

  • Qantas – Qantas Frequent Flyer
  • Virgin – Virgin Australia Velocity Frequent Flyer
  • Singapore – Airways Singapore Airways KrisFlyer
  • Cathay Pacific – Marco Polo Membership
  • Etihad – Etihad Visitor
  • Emirates – Skywards
  • Malaysia Airways – Enrich
  • British Airways – British Airways Government Membership
  • American Airways – AAdvantage Frequent Flyer
  • United – Mileage Plus

As you’re evaluating playing cards, you’ll discover most hyperlink up with Qantas Frequent Flyer, Virgin Velocity Frequent Flyer or American Specific packages. Nonetheless, you should still use your frequent flyer factors for different airways inside the similar community, like Singapore Airways Krisflyer, Cathay Pacific Asia Miles, Air New Zealand Airpoints, Emirates Skywards and Etihad Visitor.

Becoming a member of a frequent flyer program

Once you apply for a bank card connected to a frequent flyer program, you’ll must turn out to be a member to begin incomes and spending factors.

Most packages are free to hitch, or provide you with alternative to hitch totally free via different partnerships.

For instance, becoming a member of Qantas Frequent Flyer normally prices $99.50, however some bank cards provide free membership, or you may be a part of through your Woolworths On a regular basis Rewards card.

Earlier than you apply, it’s a good suggestion to test the small print on the cardboard to learn the way and when the factors you earn are transferred to your frequent flyer account. Some playing cards provide direct switch, others switch factors on the finish of every month, whereas others solely provide handbook switch on the cardholder’s request – with a minimal switch quantity required.

Try how one can maximise your points-earning potential in your chosen card. This may occasionally imply utilizing your card with sure companions inside the journey trade, equivalent to accommodations and automotive rent firms, or with sure retailers.

Sure, it’s a bit tedious, however studying a bit about your frequent flyer card can actually give your factors incomes a lift.

What are you able to redeem frequent flyer factors on?

It’s an incredible thought to test the frequent flyer program and its retailer, so can select one that provides the stuff you need (and, it’s extra enjoyable once you’ve already chosen the reward you wish to get totally free!).

Usually, you should utilize frequent flyer factors for:

  • Journey. That features flights, upgrades, accommodations and lodging, and automotive rental.
  • Procuring. Go to this system’s on-line rewards retailer to seek out and redeem your factors at common shops.
  • Reward playing cards. You possibly can redeem frequent flyer factors for present playing cards, however usually you’ll get extra worth utilizing them for journey.
  • Enjoyable eating extras. Some packages provide freebies and reductions on eating. For instance, Qantas Factors may be redeemed on Qantas wine.

In the event you don’t have sufficient factors to cowl the complete price of the acquisition, many playing cards provide points-and-pay, the place you may pay money to cowl any shortfalls in your factors.

Step 3: Trying out your card’s different options

Many bank cards provide a bunch of different options apart from rewards factors, and frequent flyer playing cards – particularly the fancier, dearer ones – are sometimes choc-full of them.

Options you would possibly discover on a frequent flyer bank card:

  • Complimentary journey insurance coverage (could possibly be home, worldwide, or each)
  • Airport lounge entry
  • Airport transfers
  • Journey credit score
  • Concierge providers
  • Reductions with partnering companies
  • Cashback presents
  • VIP entry to occasions

All the additional ‘dazzle’ on a card might help offset the upper annual payment, particularly in case you like to journey, dine and revel in social occasions.

In the event you’re after factors to spend on retail, you would possibly wish to take a look at the very best rewards-earning bank cards, that are linked to financial institution rewards packages (not particular frequent flyer memberships) and have decrease annual charges.

Different presents to look out for

Introductory presents are one huge advantage of frequent flyer bank cards, however it’s also possible to search for reductions on annual charges and any cashback presents.

Some playing cards waive the annual payment for the primary yr, or in case you hit a minimal spend yearly.

There are additionally cashback or journey credit on provide, the place you’ll have a nominal quantity paid again to your account, or earn a journey voucher to spend annually. Each options assist offset any ongoing charges on the cardboard.

Some lenders provide 0% curiosity on stability transfers, which is the place you progress the debt from a bank card to 1 that received’t cost curiosity for a sure timeframe.

Earlier than you ask, you received’t earn factors once you switch a stability. Which implies combining a stability switch (the place the objective is to repay debt) with a card that’s about incomes rewards on huge spending is probably not the very best mixture.

In the event you’re eager to get forward of your bank card stability, use our one-click comparability device to discover a stability switch card that can show you how to most.


What’s an ‘eligible transaction’ for incomes factors?

An eligible transaction normally means common spending on on a regular basis gadgets, like groceries, consuming out and reserving tickets (together with flights). Usually, you received’t earn factors on money advances (the place you withdraw cash out of your bank card) and any balances transferred from a unique card.

Usually, you received’t earn factors on authorities transactions both, like paying your charges invoice.

The bank card’s PDS will define which transactions are eligible for incomes factors.

Are all frequent flyer factors price the identical quantity?

No, every frequent flyer program has their very own worth system. For instance, a $100 Bunnings present voucher will price 23,170 Qantas Factors, or 21,800 Velocity Factors.

If you wish to get essentially the most out of your factors, you may search the completely different rewards packages and select the one with the higher factors redemption on stuff you’re more than likely to purchase.

Can I add extra cardholders?

Including relations to the account is an efficient method to bump up your factors earnings quicker, however not all playing cards permit extra cardholders, and a few make you pay.

The extra cardholder payment may be minimal, like $10 per yr, however may require a payment to hitch the membership program.

At all times test the phrases for including additional cardholders to verify it’s not going so as to add ongoing bills that outweigh the advantages.

How do I select my card as soon as I’ve selected my Rewards Program?

If which frequent flyer program you wish to be a part of, you may evaluate the playing cards connected to your program through the use of our one-click comparability device:

Examine all Qantas Frequent Flyer bank cards.

Examine all Velocity Frequent Flyer bank cards.

Or, you may evaluate bonus factors for all rewards playing cards, together with non-frequent-flyer packages, on our bonus factors comparability web page.

In the event you’re nonetheless unsure, you may evaluate all bank cards providing frequent flyer factors and click on every card to learn its execs and cons.

Can I earn factors on authorities funds, like my ATO invoice?

Most bank cards don’t provide factors on authorities transactions, and people who do are most frequently enterprise bank cards. Nonetheless, some American Specific frequent flyer playing cards provide factors on funds to authorities our bodies.

As at all times, test the cardboard’s particulars to seek out out.

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