Rewards Credit Card Comparison Spreadsheet

WoodYouLikeSomeCash on 11/05/2024 - 00:24
Last edited 11/05/2024 - 00:25

Hi all,

I decided to revive this project from 2020.

I've changed the format to which it is displayed, however, as per the old one it is based upon the gift card value and earn rate for each credit card. Because of this, the comparison is useful for comparing your main credit card(s) value (not useful for those churning).

LINK TO VIEW COMPARISON

Key Information

  • Earn rate - the standard earn rate (point per $1 of spend), does not account for any bonus points for spend at certain shops.
  • Value GC - the value in dollars ($) of each point.
  • Earn x Value GC - Earn Rate multiplied by Value GC to show the best overall.

There are various sorting options, you can also use the custom option to filter by bank, annual fee, card type or any other value/combination of values.

Please comment any other cards you'd like to see added.

Thank you!
WYLSC.

Financial Credit Card

Comments

  • sumyungguy on 11/05/2024 - 09:50

    Savvy cardholders select a currency and know the redemption value they'll achieve based on their annual spend. Currencies include and aren't limited to: QFF, Velocity, Amex Membership Rewards, ANZ Rewards, Westpac Altitude, Flybuys, Citi Rewards, Kogan Rewards, HSBC Rewards, Woolworths Everday Rewards.

  • BigBirdy on 11/05/2024 - 09:52

    Just to clarify, an "Earn X Value" of, say 0.006 means you earn 0.6c of a gift card value for every dollar you spend, ie spend $10,000 to earn a $60 GC reward?

    • WoodYouLikeSomeCash on 11/05/2024 - 15:21
      +1

      Yes that’s correct. It’s useful to times by your annual spend and compare to the annual fee to see if you’re getting value from the card.

      • BigBirdy on 11/05/2024 - 18:20
        +1

        It's a good idea, especially when choosing a new card

  • Pikaloo on 11/05/2024 - 12:47
    +2

    https://www.rwrds.com.au/

    • WoodYouLikeSomeCash on 11/05/2024 - 15:22
      -1

      Seems to be tailored more for those churning cards. This is designed for those comparing their main card and not churning.

  • askbargain on 11/05/2024 - 18:32
    -1

    if im not wrong, for coles rewards, the 3 points at coles is really just standard 2 points + 1 point flybuys which is standard even without the card

    • WoodYouLikeSomeCash on 11/05/2024 - 20:56
      +1

      It is giving you a bonus point per dollar as it is allowing you to stack the flybuys earn with standard credit card earn.

      • Mijora1 on 06/11/2024 - 00:59

        so on a $50 coles spend, assuming no flybuy special points offers etc, and using the coles card….. how many fly buys would i get?

        • WoodYouLikeSomeCash on 06/11/2024 - 01:04

          On a $50 spend:

          Points From Coles Credit Card

          • 2x Points per dollar

          Points From Flybuys Card

          • 1x Point per dollar

          Total Points Per Dollar @ Coles = 3 points per dollar

          Therefore, on a $50 spend you’d get 150 flybuys points (100 points from your Coles credit card, 50 points from your flybuys card).

  • Drifta on 31/08/2024 - 15:27

    Hi WYLSC,

    Is it possible to include or create a similar version for the travel insurance provided for these cards? With varying limits and excess, this would be of big help

  • WoodYouLikeSomeCash on 28/10/2024 - 15:31
    +1

    28th Oct 2024

    Added

    • Amex Platinum Edge Card
    • Commbank Awards Card
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