Best credit cards rewards programs for points and travel

In the past, Best Credit Card Rewards are only profitable if you paid your balance in full every month and used your card for purchases like groceries, gas, and everything else. But some of the newer rewards credit cards can be profitable even if you carry a credit card balance.

Other reward credit cards give vouchers and gift cards for spending money where you already shop. Some rewards credit cards even give you money for paying your bills! Travel rewards credit cards get you free airline flights and hotel stays. The list goes on and on.

If you pay for everything with your credit cards, it's time to take advantage of the best reward credit cards and earn yourself some goodies for doing what you already do, use a credit card!

For example, the AMEX Platinum MoneyBack Credit Card pays you 5% cash back on all card purchases up to $6,000 for 3 months. Thereafter, you get 1% unlimited cash back on all your purchases. You even get cash back when you use your card to pay bills you would otherwise pay with checks or debit cards. And with a low annual fee of only $99, the AMEX Platinum MoneyBack Credit Card offers the best cash back deal by far for those fortunate enough to carry one.

AMEX Platinum MoneyBack Credit Card

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Influence. Status. Privilege. Nothing impresses quite like Platinum. The American Express Platinum MoneyBack Card opens a world of luxury and service.

And you'll earn 5% of your MoneyBack for the first 3 months (capped at $300 for the first $6,000 you spend). Then 1% with no limit to your MoneyBack. It could add up to anything from a lava lamp to oysters at the Ritz. Whatever you want that day.

Purchase Rate	Cash Rate	Interest Free	Annual Fee	Balance Transfer
20.49%	20.49%	44 days	$99.00	-

The ANZ Balance Visa is a new concept in rewards credit cards and the only one of its kind. Billed as "the card that rewards you for reducing your balance," the ANZ Balance Visa pays you 1 reward point for every dollar you pay on your balance including interest, fees, and balance transfers. Rewards are redeemable for cash, shopping vouchers and gift cards. With a low 12.99% p.a., unusual for a cash-back card, a current 0% p.a. on balance transfers for 6 months, and a low annual fee of $79, you actually get paid for paying your bill.

Woolworth's Everyday Money Credit Card is another great value in rewards credit cards. And if you open an account now, Woolworth's will waive the annual fee of $49 for the first year and give you an introductory balance transfer rate of 5.99% p.a. for the first 6 months. The Woolworth's Everyday Money Credit Card rewards you up to 3 points per dollar for spending money you already spend on everyday things like groceries, gas, liquor, and up to 2 points per dollar for everything else.

Woolworths Everyday Money Credit Card

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Everyday Money Credit Card is competitively positioned in “Retail Rewards Card” market with:

Unique rewards – Shopping card every 4 months
Hot offer – Bonus $50 shopping card. Apply by 31 March 2010 and make 3 purchases by May 2010
Low annual free (waived for first year)
CANNEX 5 star Rewards Program rating.
Money Magazine – Best Innovative Product.

Purchase Rate	Cash Rate	Interest Free	Annual Fee	Balance Transfer
18.74%	20.99%	55 days	$49.00	5.99% for 6 months

Frequent flyers love the AMEX Blue Sky Credit Card for matching every dollar spent with 1 reward point. And the AMEX Blue Sky Card has no annual fee, so you have everything to gain and nothing to lose as long as you pay your balance in full every month. The 55 interest-free days make it easy to keep your account current.

AMEX Blue Sky Credit Card

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With Blue Sky from American Express you get a built in rewards program that offers you unlimited travel choices, 365 days a year. Just spin the globe, plan your course and use Blue Sky points to get you there

$1 spent = 1 Blue Sky point
No points capping or expiry
No seat restrictions
Complimentary travel insurance
Refund and Purchase Protection

Purchase Rate	Cash Rate	Interest Free	Annual Fee	Balance Transfer
19.99%	19.99%	55 days	$0.00	-

And with a Commonwealth Bank Gold Card, you can earn double rewards points on all purchases for the first two months if you open an account now. Redeem your points for travel, shopping vouchers, even charitable donations. You can also get an introductory balance transfer rate of 5.99% p.a. for five months.

Commonwealth Bank Gold Card

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Interest rate 19.24% p.a. on purchases
Interest-free period up to 55 days
Annual fee $114
Use your rewards for travel, hotels, shopping vouchers
Travel easy with Travel Plus, our exclusive booking service

Purchase Rate	Cash Rate	Interest Free	Annual Fee	Balance Transfer
19.24%	20.24%	55 days	$114.00	-

Compare Best Reward Credit Card

	Purchase % p.a.	Annual Fee	Balance Transfer
Citibank Clear Platinum Card Apply now and get 0.99% on balance transfer for 6 months. - more >>	11.49%	$99.00	0.99% 6 mths
St.George Platinum Credit Card Low Platinum 15.24% p.a. purchase rate - more >>	15.24%	$89.00	3.99% 6 mths
ANZ Gold Visa Extended Warranty Insurance for up to 12 months, in addition to the Australian manufacturer's warranty* - more >>	18.49%	$87.00	7.99% 6 mths
Woolworths Everyday Money Credit Card Enjoy a great rewards program that gives you real value rewards, simply by using the credit card on your everyday shopping. - more >>	18.74%	$49.00	5.99% 6 mths
IMB Gold Rewards Mastercard Reward points for shopping vouchers, merchandise, hotel stays, petrol vouchers and much more. - more >>	18.74%	$99.00	2.90% 9 mths
CUA Gold Rewards Mastercard Redeem reward points for shopping vouchers, merchandise, hotel stays, petrol vouchers and much more. - more >>	18.74%	$85.00	2.90% 9 mths
ANZ Rewards Visa Choose from a wide range of everyday Rewards - more >>	18.99%	$48.00	-
AMEX Business Accelerator - more >>	18.99%	$160.00	-
Commonwealth Bank Gold Card Take advantage of our exclusive online Gold card offer. Earn two Awards points for every dollar you spend, for the first two months. - more >>	19.24%	$114.00	-
Commonwealth Bank Platinum Card One account. Two cards. Expect more. With a wide range of benefits add a little luxury into your life with our Platinum cards. - more >>	19.49%	$280.00	-
Commonwealth Bank Awards Card One account. Two cards. Expect more. With our Awards program and benefits, these cards will complement your lifestyle. - more >>	19.49%	$89.00	5.99% 5 mths
BP-Citibank MasterCard 5% off your petrol - 0.5% % off everything! - more >>	19.89%	$79.00	2.90% 12 mths
AMEX Blue Sky Credit Card Earn 1 blue sky point for every dollar spent, with no expiry of points for the life of your card - more >>	19.99%	$0.00	-
AMEX Qantas Premium Credit Card Earn 2.25 point for every dollar spent - more >>	20.49%	$249.00	-
Citibank Gold 1.9% p.a for 9 months on balance transfers - more >>	20.49%	$149.00	1.90% 9 mths
AMEX Platinum MoneyBack Credit Card 1% MoneyBack on all purchases. 5% MoneyBack in first 3 mths Card membership - more >>	20.49%	$99.00	-

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March Card Promotions
	Woolworths Everyday Money Credit Card 18.74% Enjoy a great rewards program that gives you real value rewards, simply by using the credit card on your everyday shopping.
	Citibank Clear Platinum Card 11.49% Apply now and get 0.99% on balance transfer for 6 months.
	Aussie MasterCard 11.99% 2.99% p.a. on purchases for the 1st 6 months!
	ANZ First Visa Card 18.49% enjoy $0 Annual Account Fee for the first 12 months