Credit card leaderboard80 cards24 September 2026

The rewards worth the most per dollar you spend.

  1. First$3.00per $100 spentLatitude Finance Latitude Low Rate MastercardLatitude Finance$69 annual fee · Latitude RewardsGo to site
  2. Second$3.00per $100 spentLatitude Finance Latitude Gem VisaLatitude Finance$286.8 annual fee · Latitude RewardsGo to site
  3. Third$1.58Membership Rewardsper $100 spentAmerican Express Platinum CardAmerican Express$1,450 annual fee · Membership Rewards · 2.25 points per $1 at 0.70¢ 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.

The other 77 cards

  1. 4American Express® Platinum Reserve Credit CardAmerican Express$395 annual feeMembership Rewards2.25 points per $1 at 0.70¢ each$1.58Membership Rewardsper $100 spent$1.42 less than first
  2. 5American Express Explorer Credit CardAmerican Express$395 annual feeMembership Rewards2 points per $1 at 0.70¢ each$1.40Membership Rewardsper $100 spent$1.6 less than first
  3. 6Bankwest More World MastercardBankwest$270 annual feeMore Rewards2.5 points per $1 at 0.50¢ each$1.25More Rewardsper $100 spent$1.75 less than first
  4. 7Revolut Credit Card · Ultra planRevolut$2,399.76 annual feeRevPoints1.3 points per $1 at 0.80¢ each$1.04RevPointsper $100 spent$1.96 less than first
  5. 8Bankwest More Platinum MastercardBankwest$160 annual feeMore Rewards2 points per $1 at 0.50¢ each$1.00More Rewardsper $100 spent$2 less than first
  6. 9Macquarie Black CardMacquarie$249 annual feeMacquarie Rewards2 points per $1 at 0.50¢ each$1.00Macquarie Rewardsper $100 spent$2 less than first
  7. 10NAB Coles Rewards MastercardNAB$99 annual feeFlybuys2 points per $1 at 0.50¢ each$1.00Flybuysper $100 spent$2 less than first
  8. 11Westpac Altitude Black Rewards World MastercardWestpac$295 annual fee$200 in year oneAltitude Rewards2 points per $1 at 0.50¢ each$1.00Altitude Rewardsper $100 spent$2 less than first
  9. 12BOQ Platinum Visa Credit CardBOQ$149 annual fee$75 in year oneQ Rewards2 points per $1 at 0.50¢ each$1.00Q Rewardsper $100 spent$2 less than first
  10. 13St George Amplify Rewards SignatureSt George$295 annual fee$199 in year oneAmplify Rewards Points2 points per $1 at 0.50¢ each$1.00Amplify Rewards Pointsper $100 spent$2 less than first
  11. 14BankSA Amplify Rewards SignatureBankSA$295 annual fee$199 in year oneAmplify Rewards Points2 points per $1 at 0.50¢ each$1.00Amplify Rewards Pointsper $100 spent$2 less than first
  12. 15Bank of Melbourne Amplify Rewards SignatureBank of Melbourne$295 annual fee$199 in year oneAmplify Rewards Points2 points per $1 at 0.50¢ each$1.00Amplify Rewards Pointsper $100 spent$2 less than first

Points are valued at Qantas Frequent Flyer 0.80¢, Velocity Frequent Flyer 0.80¢, Revolut RevPoints 0.80¢, Amex Membership Rewards 0.70¢, Flybuys 0.50¢, Bank rewards programs 0.50¢ a point. The annual fee is not taken off; it is shown on each card.

These rankings rate every card on one figure. Answer a few questions to see the ones that fit you →

As of 24 September 2026, the highest rewards value on everyday spend tracked by BankMate is $3.00 per $100 spent (3% cashback) on the Latitude Finance Latitude Low Rate Mastercard. How we rank →