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Credit card leaderboard77 cards9 November 2026
Rank by

The rewards worth the most per dollar you spend.

  1. First$1.13Membership Rewardsper $100 spentAmerican Express Platinum CardAmerican Express$1,450 annual fee · Membership Rewards · 2.25 points per $1 at 0.50¢ eachGo to site
  2. Second$1.13Membership Rewardsper $100 spentAmerican Express® Platinum Reserve Credit CardAmerican Express$395 annual fee · Membership Rewards · 2.25 points per $1 at 0.50¢ eachGo to site
  3. Third$1.04RevPointsper $100 spentRevolut Credit Card · Ultra planRevolut$2,399.76 annual fee · RevPoints · 1.3 points per $1 at 0.80¢ eachGo to site

Ranked by rewards earned on $100 of everyday spend, in dollars: the everyday earn rate times what a point is worth, or the cashback percent. Highest first. Leaves out cards with no rewards program. Compares 25 card issuers, not the whole market.

The other 74 cards

Ranked by rewards earned on $100 of everyday spend, in dollars: the everyday earn rate times what a point is worth, or the cashback percent. Highest first.

  1. 4American Express Explorer Credit Card$1.00Membership Rewardsper $100 spent$0.13 less than first ranked$395 annual fee · Membership Rewards · 2 points per $1 at 0.50¢ each
  2. 5Qantas Money Titanium Credit Card$1.00Qantas Frequent Flyerper $100 spent$0.13 less than first ranked$1,200 annual fee · Qantas Frequent Flyer · 1.25 points per $1 at 0.80¢ each
  3. 6American Express Velocity Platinum Card$1.00Velocity Rewardsper $100 spent$0.13 less than first ranked$440 annual fee · Velocity Rewards · 1.25 points per $1 at 0.80¢ each
  4. 7American Express Qantas American Express Ultimate Card$1.00Qantas Frequent Flyerper $100 spent$0.13 less than first ranked$450 annual fee · Qantas Frequent Flyer · 1.25 points per $1 at 0.80¢ each
  5. 8ING Orange One Rewards Platinum$1.00per $100 spent$0.13 less than first ranked$149 annual fee · Cash back
  6. 9Kogan Money Black Credit Card$1.00per $100 spent$0.13 less than first rankedNo annual fee · Kogan Money Credit Cards Rewards
  7. 10MoneyMe Cashback Rewards Card$1.00per $100 spent$0.13 less than first ranked$149 annual fee · No fee in year one* · Cashback
  8. 11Latitude Finance Latitude 28° Global Platinum Mastercard$1.00per $100 spent$0.13 less than first ranked$96 annual fee · No fee in year one · Latitude Rewards
  9. 12MoneyMe Luxury Escapes Card$0.96Luxury Escapesper $100 spent$0.17 less than first ranked$149 annual fee · Luxury Escapes · 2 points per $1 at 0.48¢ each
  10. 13Macquarie Black Card$0.94Macquarie Rewardsper $100 spent$0.19 less than first ranked$249 annual fee · Macquarie Rewards · 2 points per $1 at 0.47¢ each
  11. 14ANZ Rewards Black$0.88ANZ Rewardsper $100 spent$0.25 less than first ranked$375 annual fee · ANZ Rewards · 2 points per $1 at 0.44¢ each
  12. 15
    Unity Bank logo
    Unity Bank Platinum Visa Credit Card    $0.80Qantas Frequent Flyerper $100 spent$0.33 less than first ranked$299 annual fee · Qantas Frequent Flyer · 1 points per $1 at 0.80¢ each

Points are valued at Kogan Money points 1.00¢, Qantas Frequent Flyer 0.80¢, Velocity Frequent Flyer 0.80¢, Revolut RevPoints 0.80¢, Amex Membership Rewards 0.50¢, Flybuys 0.50¢, Virgin Money Rewards 0.50¢, David Jones points 0.50¢, Luxury Escapes Société points 0.48¢, Macquarie Rewards 0.47¢, ANZ Rewards 0.44¢, CommBank Yello 0.40¢, Westpac Altitude Rewards 0.34¢, Amplify Rewards 0.34¢, MyCard Rewards 0.30¢, NAB Rewards 0.29¢, Bendigo Bank Rewards 0.27¢, BOQ Q Rewards 0.25¢, Bankwest More Rewards 0.22¢ a point. The annual fee is not taken off; it is shown on each card.

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Ranked here on one figure. The questions price each card on what you spend, what you carry and the rewards you collect, fees counted.

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As of 9 November 2026, the highest rewards value on everyday spend tracked by BankMate is $1.13 per $100 spent (2.25 points per dollar) on the American Express Platinum Card. How we rank