Maximise Rewards: Top Credit Cards for Points and Miles
If you’re just beginning your journey into the world of points and miles, you’re about to discover an incredible way to travel better for less. The secret lies in choosing the right credit card that allows you to maximise every dollar you spend.
In this guide, we’ll walk you through the best credit cards for earning more points and miles, tailored to your spending habits and travel goals. Whether it’s shopping at supermarkets, travelling overseas, or earning points with specific airline loyalty programs, we’ve got you covered.
Best Overall Credit Cards for Earning Points and Miles
Business Credit Card
Ideal for business owners, this card helps you earn the most points and miles across all categories of spend.
👉 Learn more here.
Personal Credit Card
For everyday personal expenses, this card ensures you get maximum value without changing your spending habits.
👉 Explore the top option here.
Best Credit Cards for Specific Spending Categories
Supermarket Spending
Turn your weekly grocery shopping into a points-earning opportunity with the best card for supermarket purchases.
👉 Find the best supermarket credit card here.
Department Store Shopping
Shop for clothing, electronics, or home goods while earning extra points at department stores.
👉 Discover the top card for department stores here.
Overseas Travel
Avoid foreign transaction fees and earn more points on international travel expenses, including flights and hotels.
👉 Check out the best card for overseas travel.
Best Credit Cards for Airline Loyalty Programs
If you’re loyal to a specific airline, choosing a credit card that partners with their loyalty program is essential. Here are the best options:
Qantas Frequent Flyer
- Personal: Best card for Qantas points – personal
- Business: Best card for Qantas points – business
Qatar Airways Privilege Club Avios
- Personal: Best card for Qatar Airways Avios – personal
- Business: Best card for Qatar Airways Avios – business
Virgin Australia Velocity Points
- Personal: Best card for Virgin Australia Velocity Points – personal
- Business: Best card for Virgin Australia Velocity Points – business
Cathay Pacific Cathay Asia Miles
- Personal: Best card for Cathay Pacific Cathay Asia Miles – personal
- Business: Best card for Cathay Pacific Cathay Asia Miles – business
Emirates Skywards Miles
- Personal: Best card for Emirates Skywards Miles – personal
- Business: Best card for Emirates Skywards Miles – business
Air Canada Aeroplan Points
- Personal: Earn Aeroplan points – personal
- Business: Earn Aeroplan points – business
Best Credit Cards for Visa or Mastercard Users
For Visa or Mastercard users, these options help maximise your points and miles whether for personal or business spending:
- Personal: Visa/Mastercard credit card – personal
- Business: Visa/Mastercard credit card – business
Earn More with Other Credit Cards
Explore additional Pointrs for credit cards tailored to specific needs:
- Earn Points And Miles When Paying Expenses Where Credit Cards Are Not Accepted: Ways to Earn Points from Merchants with No Credit Cards
- Earn 125% More Points And Miles When Paying Pharmacy Wholesalers: Earn Points/Miles When Paying Wholesalers
- Earn 350% More Points And Miles When Paying The Australian Taxation Office (ATO): Earn Points/Miles Paying ATO
- Earn 67% More Airline Points And Miles When Using A Credit Card: Earn Points/Miles Using a Credit Card
For a full list of earning more points/miles and the best credit cards, visit our Earn More Pointrs page.
How to Choose the Best Credit Card for You
- Analyse Your Spending: Know where you spend most (groceries, travel, etc.) to select a card that aligns with your habits.
- Define Your Goals: Whether it’s free flights, hotel stays, or cashbacks, ensure your card offers perks that fit your objectives.
- Compare Options: Review annual fees, benefits, and point transfer flexibility.
- Utilise Our Pointrs: Get expert recommendations tailored to your lifestyle by exploring our detailed credit card Pointrs.
Making the Right Choice for Your Rewards Journey
Choosing the right credit card to earn points and miles can significantly enhance your travel experiences and everyday spending. Remember, it's not just about the number of points earned but how you can maximise their value.
Consider your lifestyle, spending patterns, and travel aspirations. Take time to evaluate different options and their associated benefits. Don’t overlook the fine print—annual fees, interest rates, and redemption options can all impact the overall value of your rewards.
Finally, keep an eye on promotional offers and bonus point opportunities. These can provide a substantial boost to your rewards balance, setting you on the path to your next adventure sooner than you think.
As a Pointrs.com subscriber, you'll see current promotional offers and bonus point opportunities tailored to your credit cards directly on your dashboard. Plus, join our FREE email list to receive weekly updates about the latest credit card and frequent flyer promotions – ensuring you never miss an opportunity to maximise your rewards.
With careful consideration and strategic spending, your chosen credit card can open doors to exciting travel experiences and financial benefits. Happy earning!
