Qantas Airways Frequent Flyer Loyalty Program – Full Review [2024]

Qantas Airways Overview

Qantas, one of the 2 major Australian-based airlines (the other being Virgin Australia), is the country’s oldest airline and largest by a few metrics, including fleet size.

The name Qantas is actually an acronym that stands for Queensland and Northern Territory Aerial Services, and its nickname is The Flying Kangaroo.

Its loyalty program is called Qantas Frequent Flyer, and the airline is a member of the Oneworld alliance.

Status Credits are what Qantas uses to determine your elite tier in the program. In short, the more Status Credits you earn, the more perks and benefits you unlock.

In addition to Status Credits, Qantas members also earn Qantas Points. Members earn Qantas Points from things like flying, car rentals, and hotel bookings. Those points can then be used for an award flight or an upgrade, among other uses.

Bottom Line: The structure of the Qantas Frequent Flyer program mirrors many of the same aspects of the major U.S. airlines’ programs, so it will feel familiar to American travelers.

Joining Frequent Flyer

Unlike other airline award programs, Qantas charges a fee of AU$99.50 (~$72) to join its Frequent Flyer program. However, if you register via this application form, the fee is waived. The page states that free membership only applies to Australian citizens, but it also works for other countries.

After your application is confirmed, you’ll receive the ability to both earn and redeem Qantas Points.

How to Sign in to Your Frequent Flyer Account

Logging in to the Qantas Frequent Flyer page is easy! Simply provide your member number, last name, and PIN and you’ll have access to your account.

Hot Tip: The Qantas Frequent Flyer program requires you to log in to search for an award flight. Qantas, in addition to British Airways, is great to use to search for Oneworld award flights. 

Viewing Your Account Activity

To see your account activity, you’ll need to use the following steps:

1. Log in to your account
2. Click the down arrow under your name on the top left of the page
3. Click Your Points Activity
4. Click Points Activity

Points Expiration

Qantas Points expire every 18 months if you do not earn or use Qantas Points through your frequent flyer account.

Earning or using Qantas Points with the program’s partners is considered qualifying activity and will reset the 18-month clock.

The expiration period starts from the date of your last activity.

Qantas Frequent Flyer Program

Frequent Flyer Elite Status

The Qantas Frequent Flyer program has 4 elite tiers: Silver, Gold, Platinum, and Platinum One.

Silver: The base elite tier comes with the following benefits:

• 50% bonus points on eligible Qantas and Jetstar flights; 25% bonus on American Airlines flights
• Seating privileges
• Complimentary lounge invitation
• Status Hold for up to 18 months for members on parental leave
• Access to selected Qantas Classic Flight Reward seats
• International priority check-in (where available)
• Extra checked baggage allowance
• Oneworld Ruby status when flying on Oneworld flights
• Additional benefits when flying on Emirates

Gold: One of 2 middle elite tiers, which offers the following perks:

• All of the benefits of Silver plus;
• 75% bonus points on eligible Qantas, Jetstar, and American Airlines flights
• International priority boarding
• Access to Qantas Clubs, Qantas International Business lounges, and Oneworld lounges plus 1 guest
• Oneworld Sapphire status when flying on Oneworld flights
• Additional benefits when flying on Emirates, China Eastern, Alaska Airlines, EL AL, Air New Zealand, Air France, KLM

Platinum: The second of 2 middle elite tiers that provide members with the following benefits:

• All of the benefits of Gold plus;
• 100% bonus points on eligible Qantas, Jetstar, and American Airlines flights
• Priority international upgrades
• Access to Qantas First Class lounges plus 1 guest
• Oneworld Emerald status when flying on Oneworld flights
• Confirmed international upgrades from 2 days prior to departure to departure
• Choice of Platinum Bonus Reward at 2,400 Status Credits

Platinum One: The highest elite tier offered by Qantas comes with these perks:

• All of the benefits of Platinum plus;
• Complimentary Platinum membership for a family member or friend
• Highest upgrade priority
• Access to a dedicated Platinum One Team
• Confirmed international upgrades from 7 days prior to departure
• Waived booking fees for new eligible bookings
• Complimentary Qantas epiQure membership

If you’re interested in the benefits available at each elite tier, check out the Tier Benefits Page for everything you need to know.

Value of Frequent Flyer Elite Status

As with U.S.-based airlines, the value of Qantas elite status will vary depending on whether or not you live in Australia.

The elite benefits stack up comparably with what you’d see at other top-tier airlines, but to receive the most value you’ll need to fly Qantas, Jetstar, or Oneworld flights frequently.

For Silver elites, a Status Hold for when you are on parental leave is a unique benefit not found in many other programs.

Lounge access, Oneworld Sapphire and Emerald, and additional benefits with Qantas partners like Alaska Airlines are what you’ll have access to at the Gold and Platinum elite tiers.

With Platinum One status, Qantas offers a couple of interesting perks, including complimentary Platinum status for a friend and a Qantas epiQure membership for access to premium wine.

Earning Frequent Flyer Elite Status

Status Credits are what Qantas uses to determine your elite tier and the benefits you receive on Qantas, Jetstar, Emirates, and Oneworld flights.

As a new member, you start with Bronze status and then move up through the Silver, Gold, Platinum, and Platinum One tiers as you earn more Status Credits.

The Status Credits you earn are driven by your route, airline, and the fare purchased. That is to say: the more flexible the fare and more premium the cabin, the more Status Credits you will earn.

Hot Tip: Qantas uses a calculator to determine the Qantas Points and Status Credits you will earn. Simply enter the required information in this calculator, and the program will show what you’ll earn for your flight.

You can also refer to the earning tables on this page to see how many Qantas Points and Status Credits you’ll earn.

Unlike the trend we’ve seen recently with a revenue requirement as part of elite status qualification with many airlines, Qantas only requires you to earn a certain amount of Status Credits.

Some airlines, like American Airlines, offer co-branded credit cards that help you earn elite status. While Qantas does the same, the airline doesn’t offer a credit card for the U.S. market.

Bottom Line: You’ll need to earn Status Credits if your goal is to have elite status with Qantas.

How to Earn Qantas Points

Qantas offers a number of ways to earn lots of Qantas points, from flying with Qantas, Jetstar, or partners to spending on credit cards.

Earning Points Through Flying

The amount of Qantas points that you earn is based on your elite status, distance traveled, and type of fare purchased.

After logging into your account, the easiest way to see the number of points you’ll earn is by using the Qantas Point Calculator.

Simply enter your elite status, where you are flying from and to, and the type of fare and the Point Calculator will show you exactly how many Qantas Points and Status Credits you’ll earn after taking that flight.

If you’re interested in seeing how many Qantas Points and Status Credits you’ll earn on all Qantas, Jetstar, and partner flights, check out the partner earning page.

Earn Points With Credit Cards

Qantas does not offer any co-branded credit cards for the U.S. market, so you’ll need to look into cards that earn flexible points.

When you earn flexible points, these can be transferred directly to the program’s airline partners.

Qantas partners with 4 of the 5 major flexible point programs as an Amex airline partner, Capital One airline partner, Citi airline partner, and Marriott airline partner) providing you with a few different options for earning points.

Earning Bonus Points in Other Ways

Major airlines tend to offer a number of unique ways to earn miles, and Qantas is no different.

By following the Qantas social media pages like Twitter and Facebook as well as checking its Promotions Page, you’ll be able to stay on top of the latest offers to earn additional points.

It’s also important to leverage the Qantas partner network since you can earn points with your car rentals and hotel stays simply by adding your Qantas Frequent Flyer number to all reservations.

Lastly, Qantas offers ways to earn points by using its shopping portals and dining program. This is yet another way to earn points on spending that you would already incur.

Hot Tip: Note that if you add your airline loyalty program to other services, you won’t also earn status points with these franchises unless it’s a preferred car rental agency that has specifically partnered with the airline — this partnership acts as a sort of alliance between airline and rental agency.

Branded and Partnered Credit Cards

Qantas has more than 50 co-branded credit cards, but unfortunately, none of those cards are available to the U.S. market.

American Express Membership Rewards Credit Cards

Convert your American Express Membership Rewards points to Qantas in increments of 500 points online or by phone. The transfer ratio is 1:1, and transfers are usually instant.

Best of all, you can earn Membership Rewards points with the following credit cards and then transfer them over to Qantas.

Recommended Amex Cards (Personal)

BEST LOUNGE ACCESS

Terms Apply / Rates & Fees

The Platinum Card^® from American Express

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The Amex Platinum reigns supreme for luxury travel, offering the best airport lounge access plus generous statement credits, and complimentary elite status.

Learn More(at Amex's secure site)

Apply With Confidence

Know if you're approved with no credit score impact

If you're approved and accept this Card, your credit score may be impacted.

The Platinum Card^® from American Express

The Amex Platinum reigns supreme for luxury travel, offering the best airport lounge access plus generous statement credits, and complimentary elite status.

Welcome Offer

Earn 80,000 Membership Rewards^® Points after you spend $8,000 on eligible purchases on the Card in your first 6 months of Card Membership.

80,000 points

UP's Bonus Valuation*:

$1,760

Annual Fee

$695

APR

See Pay Over Time APR

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

Good to Excellent (670-850)

Why We Like This Card

When it comes to cards that offer top-notch benefits, you’d be hard-pressed to find a better card out there than The Platinum Card^® from American Express.

Make no mistake — the Amex Platinum card is a premium card with a premium price tag. With amazing benefits like best-in-class airport lounge access, hotel elite status, and tremendous value in annual statement credits, it can easily prove to be one of the most lucrative cards in your wallet year after year.

Pros & Cons

Pros

• The best airport lounge access out of any card (by far) — enjoy access to over 1,400 worldwide lounges, including the luxurious Amex Centurion Lounges, Priority Pass lounges, Plaza Premium Lounges, and many more!
• 5x points per dollar spent on flights purchased directly with the airline or with AmexTravel.com (up to $500,000 per year)
• 5x points per dollar spent on prepaid hotels booked with AmexTravel.com

Cons

• $695 annual fee (rates and fees)
• Airline credit does not cover airfare (only incidentals like checked bags)

Read Full Review

Card Highlights

• Earn 80,000 Membership Rewards^® Points after you spend $8,000 on eligible purchases on your new Card in your first 6 months of Card Membership.
• Earn 5X Membership Rewards^® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards^® Points on prepaid hotels booked with American Express Travel.
• $200 Hotel Credit: Get up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts^® or The Hotel Collection bookings through American Express Travel using your Platinum Card^®. The Hotel Collection requires a minimum two-night stay.
• $240 Digital Entertainment Credit: Get up to $20 back in statement credits each month on eligible purchases made with your Platinum Card^® on one or more of the following: Disney+, a Disney Bundle, ESPN+, Hulu, The New York Times, Peacock, and The Wall Street Journal. Enrollment required.
• The American Express Global Lounge Collection^® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market. As of 03/2023.
• $155 Walmart+ Credit: Save on eligible delivery fees, shipping, and more with a Walmart+ membership. Use your Platinum Card^® to pay for a monthly Walmart+ membership and get up to $12.95 plus applicable taxes back on one membership (excluding Plus Ups) each month.
• $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Platinum Card^®.
• $200 Uber Cash: Platinum Card^® Members can get out and about and explore their local area with $15 in Uber Cash for US rides each month, plus a bonus $20 in December. That can be up to $200 in annual Uber savings. Simply download the Uber app and add your Platinum Card^® to your Uber account to get started. Available to Basic Card Member only. Effective 11/8/2024, an Amex Card must be selected as the payment method for your Uber or Uber Eats transaction to redeem the Amex Uber Cash benefit.
• $199 CLEAR^® Plus Credit: CLEAR^® Plus helps to get you to your gate faster at 50+ airports nationwide and get up to $199 back per calendar year on your Membership (subject to auto-renewal) when you use your Card. CLEARLanes are available at 100+ airports, stadiums, and entertainment venues.
• Receive either a $120 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 years for a TSA PreCheck^® (through a TSA official enrollment provider) application fee, when charged to your Platinum Card^®. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
• Shop Saks with Platinum: Get up to $100 in statement credits annually for purchases in Saks Fifth Avenue stores or at saks.com on your Platinum Card^®. That's up to $50 in statement credits semi-annually. Enrollment required.
• Unlock access to exclusive reservations and special dining experiences with Global Dining Access by Resy when you add your Platinum Card^® to your Resy profile.
• $695 annual fee.¤
• Terms Apply.

Financial Snapshot

• APR: See Pay Over Time APR
• Foreign Transaction Fees: None

Rewards Center

American Express Membership Rewards

ELEVATED OFFER

Terms Apply / Rates & Fees

American Express^® Business Gold Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

Get 4x points in 2 select categories where your business spends the most each month (on your first $150,000 spent each year).

Learn More(at Amex's secure site)

American Express^® Business Gold Card

Get 4x points in 2 select categories where your business spends the most each month (on your first $150,000 spent each year).

Welcome Offer

Earn 100,000 Membership Rewards^® points after you spend $15,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*

100,000 points

UP's Bonus Valuation*:

$2,200

Annual Fee

$375

APR

18.74% - 27.74% Variable,0% on purchases for 6 months from date of account opening

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

Good to Excellent (670-850)

Why We Like This Card

The American Express^® Business Gold Card is excellent at racking up rewards for your business spend.

The card earns a whopping 4x points per $1 in the 2 categories (from a list of 6) that your business spends the most money on each month. With no need to opt-in or preselect your categories, so you can focus on what matters most — running your business.

Pros & Cons

Pros

• 4x points per dollar spent on your 2 highest purchase categories each month up to $150,000 each calendar year in purchases; categories include:
  • Transit purchases including trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways
  • U.S. purchases made from electronic goods retailers and software & cloud system providers
  • Monthly wireless telephone service charges made directly from a wireless telephone service provider in the U.S.
  • U.S. purchases at gas stations
  • U.S. purchases at restaurants, including takeout and delivery
  • Purchases at U.S. media providers for advertising in select media (online such as Google Ads, Facebook Ads, plus TV and radio)
• 3x points per dollar on flights and prepaid hotels booked on amextravel.com using your Business Gold Card
• Access to Amex’s The Hotel Collection

Cons

• $375 annual fee (rates and fees)
• No elite travel benefits like airport lounge access or elite status

Read Full Review

Card Highlights

• Welcome Offer: Earn 100,000 Membership Rewards^® points after you spend $15,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
• 0% Intro APR ¤ for 6 months from the date of account opening on purchases eligible for Pay Over Time, then a 18.74% to 27.74% variable APR.*
• Earn 4X Membership Rewards^® points on the top two eligible categories where your business spends the most each month from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.*
• Earn 3X Membership Rewards^® points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card.*
• Earn up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at FedEx, Grubhub, and Office Supply Stores. This can be an annual savings of up to $240. Enrollment required.
• Get up to a $12.95** statement credit back each month after you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Business Gold Card. **Up to $12.95 plus applicable taxes on one membership fee.*
• The Business Gold Card now comes in three metal designs: Gold, Rose Gold and Limited Edition White Gold. White Gold design is only available while supplies last. Make your selection when you apply on Americanexpress.com.
• *Terms Apply

Financial Snapshot

• APR: 18.74% - 27.74% Variable,0% on purchases for 6 months from date of account opening
• Foreign Transaction Fees: None

Rewards Center

American Express Membership Rewards

Recommended Amex Cards (Business)

ELEVATED OFFER

Terms Apply / Rates & Fees

The Business Platinum Card^® from American Express

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

This card is ideal for business travelers who enjoy luxury travel and are looking for a card loaded with benefits!

Learn More(at Amex's secure site)

The Business Platinum Card^® from American Express

This card is ideal for business travelers who enjoy luxury travel and are looking for a card loaded with benefits!

Welcome Offer

Earn 150,000 Membership Rewards^® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership.

150,000 points

UP's Bonus Valuation*:

$3,300

Annual Fee

$695

APR

18.74% - 27.74% Variable

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

Good to Excellent (670-850)

Why We Like This Card

The Business Platinum Card^® from American Express is a premium travel rewards card tailored toward business owners who are frequent travelers with a high number of annual expenses.

When you factor in the large number of perks that the card offers like the best airport lounge access at over 1,400 lounges, along with tons of annual credits, it’s easy to see why this card can is a top option for frequent traveling business owners.

Pros & Cons

Pros

• 5x Membership Rewards points per $1 on flights and prepaid hotels at Amex Travel
• Access to over 1,400 worldwide airport lounges as part of the American Express Global Lounge Collection
• Get 50% more Membership Rewards points (1.5 points per $1) on eligible purchases in key business categories, as well as on purchases of $5,000 or more (cap applies)

Cons

• High annual fee of $695 (rates & fees)
• Airline fee credit does not cover airfare, only incidentals like checked bags

Read Full Review

Card Highlights

• Welcome Offer: Earn 150,000 Membership Rewards^® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership.
• 5X Membership Rewards^® points on flights and prepaid hotels on AmexTravel.com, and 1X points for each dollar you spend on eligible purchases.
• Earn 1.5X points (that’s an extra half point per dollar) on each eligible purchase at US construction material, hardware suppliers, electronic goods retailers, and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more, on up to $2 million per Card Account per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.
• Unlock over $1,000 in statement credits on select purchases, including tech, recruiting and wireless in the first year of membership with the Business Platinum Card^®. Enrollment required. See how you can unlock over $1,000 annually in credits on select purchases with the Business Platinum Card^®, here.
• $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to the Card.
• $199 CLEAR^® Plus Credit: Use your card and get up to $199 in statement credits per calendar year on your CLEAR^® Plus Membership (subject to auto-renewal) when you use the Business Platinum Card^®.
• The American Express Global Lounge Collection^® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market as of 03/2023.
• $695 Annual Fee.
• Terms Apply.

Financial Snapshot

• APR: 18.74% - 27.74% Variable
• Foreign Transaction Fees: None

Rewards Center

American Express Membership Rewards

ELEVATED OFFER

Terms Apply / Rates & Fees

American Express^® Business Gold Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

Get 4x points in 2 select categories where your business spends the most each month (on your first $150,000 spent each year).

Learn More(at Amex's secure site)

American Express^® Business Gold Card

Get 4x points in 2 select categories where your business spends the most each month (on your first $150,000 spent each year).

Welcome Offer

Earn 100,000 Membership Rewards^® points after you spend $15,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*

100,000 points

UP's Bonus Valuation*:

$2,200

Annual Fee

$375

APR

18.74% - 27.74% Variable,0% on purchases for 6 months from date of account opening

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

Good to Excellent (670-850)

Why We Like This Card

The American Express^® Business Gold Card is excellent at racking up rewards for your business spend.

The card earns a whopping 4x points per $1 in the 2 categories (from a list of 6) that your business spends the most money on each month. With no need to opt-in or preselect your categories, so you can focus on what matters most — running your business.

Pros & Cons

Pros

• 4x points per dollar spent on your 2 highest purchase categories each month up to $150,000 each calendar year in purchases; categories include:
  • Transit purchases including trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways
  • U.S. purchases made from electronic goods retailers and software & cloud system providers
  • Monthly wireless telephone service charges made directly from a wireless telephone service provider in the U.S.
  • U.S. purchases at gas stations
  • U.S. purchases at restaurants, including takeout and delivery
  • Purchases at U.S. media providers for advertising in select media (online such as Google Ads, Facebook Ads, plus TV and radio)
• 3x points per dollar on flights and prepaid hotels booked on amextravel.com using your Business Gold Card
• Access to Amex’s The Hotel Collection

Cons

• $375 annual fee (rates and fees)
• No elite travel benefits like airport lounge access or elite status

Read Full Review

Card Highlights

• Welcome Offer: Earn 100,000 Membership Rewards^® points after you spend $15,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
• 0% Intro APR ¤ for 6 months from the date of account opening on purchases eligible for Pay Over Time, then a 18.74% to 27.74% variable APR.*
• Earn 4X Membership Rewards^® points on the top two eligible categories where your business spends the most each month from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.*
• Earn 3X Membership Rewards^® points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card.*
• Earn up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at FedEx, Grubhub, and Office Supply Stores. This can be an annual savings of up to $240. Enrollment required.
• Get up to a $12.95** statement credit back each month after you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Business Gold Card. **Up to $12.95 plus applicable taxes on one membership fee.*
• The Business Gold Card now comes in three metal designs: Gold, Rose Gold and Limited Edition White Gold. White Gold design is only available while supplies last. Make your selection when you apply on Americanexpress.com.
• *Terms Apply

Financial Snapshot

• APR: 18.74% - 27.74% Variable,0% on purchases for 6 months from date of account opening
• Foreign Transaction Fees: None

Rewards Center

American Express Membership Rewards

Terms Apply / Rates & Fees

The Blue Business^® Plus Credit Card from American Express

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

Earn Membership Rewards for your business spending the easy way: get 2x points for the first $50,000 in purchases per year.

Learn More(at Amex's secure site)

The Blue Business^® Plus Credit Card from American Express

Earn Membership Rewards for your business spending the easy way: get 2x points for the first $50,000 in purchases per year.

Welcome Offer

Earn 15,000 Membership Rewards^® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.

15,000 points

UP's Bonus Valuation*:

$330

Annual Fee

No annual fee

APR

17.74% - 25.74% Variable,0% on purchases for 12 months from date of account opening

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

Good to Excellent (670-840)

Why We Like This Card

As a business owner, getting a credit card that maximizes each dollar you spend does not have to be complicated or expensive. Especially when you opt for The Blue Business^® Plus Credit Card from American Express.

With the Amex Blue Business Plus card, you’ll earn 2x Membership Rewards points on everyday business purchases throughout the year (up to $50,000; 1x thereafter) and receive purchase protections and no-additional-charge employee cards all for no annual fee (see rates and fees).

The simple and straightforward earning structure makes it a great fit for those looking to earn flexible rewards, without having to fixate on which purchases earn the most points.

Let’s take look at all that the Amex Blue Business Plus card has to offer.

Pros & Cons

Pros

• 2x Membership Rewards points per $1 on everyday business purchases (up to $50,000; 1x thereafter)
• Purchase protection and extended warranty protection
• No annual fee and employee cards at no additional cost

Cons

• No unique bonus categories and 2x earnings are capped at $50,000 in annual spend
• No elite travel benefits like lounge access or elite status

Read Full Review

Card Highlights

• Earn 15,000 Membership Rewards^® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
• 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.74% - 25.74%, based on your creditworthiness and other factors at account opening. APR will not exceed 29.99%
• Earn 2X points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter. Terms and limitations apply.
• You’ve got the power to spend beyond your credit limit* with Expanded Buying Power. *The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.
• No Annual Fee
• Terms Apply.

Financial Snapshot

• APR: 17.74% - 25.74% Variable,0% on purchases for 12 months from date of account opening
• Foreign Transaction Fees: 2.7% of each transaction after conversion to US dollars.

Rewards Center

American Express Membership Rewards

Citi ThankYou Credit Cards

Transfer Citi ThankYou Points directly to Qantas at a 1:1 ratio. It takes about 2 days for the transaction to complete. Earn more ThankYou Points to transfer by using the following credit cards:

Citi Premier^® Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

*The information regarding the Citi Premier card has expired, and the card is no longer open to applicants.

Citi Premier^® Card

*The information regarding the Citi Premier card has expired, and the card is no longer open to applicants.

Welcome Offer

No offer available

No offer available

UP's Bonus Valuation*:

$0

Annual Fee

$95

APR

21.24% - 29.24% variable

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

Good to Excellent (670-850)

Why We Like This Card

The Citi Premier^® Card is an excellent option for anyone looking for an all-around travel rewards credit card. The card helps you earn points fast with great 3x bonus categories such as restaurants, supermarkets, gas stations, airfare, and hotels. Plus, it offers access to airline and hotel transfer partners, doesn’t charge foreign transaction fees, and has a reasonable annual fee!

Pros & Cons

Pros

• 3x points at restaurants, supermarkets, gas stations, airfare, and hotel purchases
• Access to Citi transfer partners
• Annual hotel credit

Cons

• $95 annual fee

Read Full Review

Card Highlights

• No welcome offer available
• Earn 3 Points per $1 spent at Gas Stations, Air Travel and Other Hotels
• Earn 3 Points per $1 spent at Restaurants and Supermarkets
• Earn 1 Point per $1 spent on all other purchases
• Annual Hotel Savings Benefit
• 60,000 ThankYou^® Points are redeemable for $600 in gift cards redeemable for $600 in gift cards or travel rewards at thankyou.com
• No expiration and no limit to the amount of points you can earn with this card
• No Foreign Transaction Fees on purchases

Financial Snapshot

• APR: 21.24% - 29.24% variable
• Foreign Transaction Fees: None

Rewards Center

Citi ThankYou Rewards

Citi Rewards+^® Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

This no annual fee card rewards cardholders for everyday purchases. Earn bonus points at supermarkets and gas stations, plus your points are rounded up on every purchase.

Citi Rewards+^® Card

This no annual fee card rewards cardholders for everyday purchases. Earn bonus points at supermarkets and gas stations, plus your points are rounded up on every purchase.

Welcome Offer

Earn 20,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $200 in gift cards at thankyou.com.

20,000 points

UP's Bonus Valuation*:

$320

Annual Fee

$0

APR

0% intro APR on balance transfers and on purchases for 15 months. After that, a variable APR of 17.99% to 27.99%.

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

Good to Excellent Credit Recommended (670-840)

Card Highlights

• Earn 20,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $200 in gift cards at thankyou.com
• Plus, as a special offer, earn a total of 5 Thank You^® Points per $1 spent on hotel, car rentals and attractions booked on CitiTravel.com through December 31, 2025.*
• 0% Intro APR on balance transfers for 15 months from date of first transfer and on purchases from date of account opening. After that, the variable APR will be 17.99% to 27.99%, based on your creditworthiness. There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
• Earn 2X ThankYou^® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X ThankYou^® Points on All Other Purchases.
• The Citi Rewards+^® Card – the only credit card that automatically rounds up to the nearest 10 points on every purchase – with no cap.
• No Annual Fee

Financial Snapshot

• APR: 0% intro APR on balance transfers and on purchases for 15 months. After that, a variable APR of 17.99% to 27.99%.
• Foreign Transaction Fees: 3% of each purchase transaction in US dollars

Citi Double Cash^® Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

Great card for the average spender with no specific focus category; worry-free cash-back earning on everything!

Citi Double Cash^® Card

Great card for the average spender with no specific focus category; worry-free cash-back earning on everything!

Welcome Offer

Earn $200 cash-back after spending $1,500 on purchases in the first 6 months of account opening.

$200 cash-back

Annual Fee

$0

APR

0% Intro APR for 18 months on balance transfers, then 18.49% to 28.49% Variable

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

Fair to Excellent (580-850)

Why We Like This Card

The Citi Double Cash^® Card has long been one of the top cash-back credit cards on the market, and the card now has the ability to earn Citi ThankYou Points!

This means that cardholders of the Double Cash card will now earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. Cash back is earned in the form of ThankYou Points. This means each billing cycle, you will earn 1 ThankYou point per $1 spent on purchases and an additional ThankYou point for every $1 paid on your purchase balance as long as there is a corresponding balance in your Purchase Tracker.

Citi has turned the Double Cash card into a top choice for those who are looking for an everyday, no-fuss credit card.

Pros & Cons

Pros

• Uncapped 2% for every $1 spent (1% when you buy and another 1% when you pay)
• Flexible redemption options
• No annual fee

Cons

• No bonus categories
• 3% foreign transaction fees

Read Full Review

Card Highlights

• Bonus Offer: Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This offer will be fulfilled as 20,000 ThankYou^® Points, which can be redeemed for $200 cash back.
• Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
• To earn cash back, pay at least the minimum due on time.
• Balance Transfer Only Offer: 0% Intro APR for 18 months on balance transfers; after that, the variable APR will be 18.49% to 28.49%, based on your creditworthiness. Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
• If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
• There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
• Citi Double Cash^® Card Travel Portal Special Offer
  Earn a total of 5 ThankYou^® Points per $1 spent on hotel, car rental, and attractions, excluding air travel, when booked through the Citi Travel℠ portal via cititravel.com or by calling 1-833-737-1288 (TTY: 711). Offer is valid through 12/31/2025.

Financial Snapshot

• APR: 0% Intro APR for 18 months on balance transfers, then 18.49% to 28.49% Variable
• Foreign Transaction Fees: 3% of the U.S. dollar amount of each purchase

Rewards Center

Citi ThankYou Rewards

Citi Custom Cash^® Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

Earn big on purchases in your top eligible spend category, up to the first $500 each billing cycle, with no annual fee!

Citi Custom Cash^® Card

Earn big on purchases in your top eligible spend category, up to the first $500 each billing cycle, with no annual fee!

Welcome Offer

Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This offer will be fulfilled as 20,000 ThankYou^® Points, which can be redeemed for $200 cash back.

$200

Annual Fee

$0

APR

0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 18.49% to 28.49%.

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

Fair to Excellent (580-850)

Why We Like This Card

The Citi Custom Cash^® Card is inventive when it comes to cash-back credit cards. Instead of earning a set amount of cash-back on predetermined bonus categories, the Citi Custom Cash card earns 5% cash-back on your highest eligible spend category each billing cycle, without an annual fee.

Thanks to that unique perk, you’ll never need to worry about whether you’re using the right card for the right purchase, as your Citi Custom Cash card will always pay you 5% back on whichever category you end up spending the most on each month.

Pros & Cons

Pros

• 5% cash-back (on up to $500 each billing cycle) from your largest purchase category, including restaurants, gas stations, grocery stores, select travel, select transit, select streaming services, drugstores, home improvement stores, fitness clubs, and live entertainment
• No annual fee
• Multiple redemption options

Cons

• Your 5% category is limited to $500 in spend ($25 in cash-back) each month
• Not particularly rewarding for any purchases outside of your top 5% cash-back category

Read Full Review

Card Highlights

• Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This offer will be fulfilled as 20,000 ThankYou^® Points, which can be redeemed for $200 cash back.
• Get 0% Intro APR for 15 months on purchases and balance transfers; after that, the variable APR will be 18.49% to 28.49%, based on your creditworthiness.
• Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Earn unlimited 1% cash back on all other purchases.
• Special Travel Offer: Earn an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel℠ portal through 6/30/2026.
• No rotating bonus categories to sign up for – as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories.
• No annual fee.
• Citi will only issue one Citi Custom Cash^® Card account per person.

Financial Snapshot

• APR: 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 18.49% to 28.49%.
• Foreign Transaction Fees: 3%

Capital One Miles

Capital One miles now transfer to Qantas at a 1:1 ratio. Instead of redeeming your Capital One miles in the Capital One travel portal for cash tickets, you now have the option to transfer them to your Qantas account.

Using Qantas points can potentially save a ton of miles when looking to book first or business class tickets using the Qantas award chart, compared to 1 cent per point of the cash ticket price using the Capital One travel portal.

Make sure you have a Capital One card that has the transferable miles feature. Here are our picks:

Recommended Capital One Cards That Earn Miles (Personal)

Terms Apply / Rates & Fees

Capital One Venture X Rewards Credit Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The Capital One Venture X card is an excellent option for travelers looking for an all-in-one premium credit card.

Capital One Venture X Rewards Credit Card

The Capital One Venture X card is an excellent option for travelers looking for an all-in-one premium credit card.

Welcome Offer

Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel.

75,000 miles

UP's Bonus Valuation*:

$1,350

Annual Fee

$395

APR

19.99% - 29.74% (Variable)

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

Excellent (740-840)

Why We Like This Card

The Capital One Venture X Rewards Credit Card is the premium Capital One travel rewards card on the block.

Points and miles fans will be surprised to see that the Capital One Venture X card packs quite the punch when it comes to bookings made through Capital One, all while offering the lowest annual fee among premium credit cards.

Depending on your travel goals and preferences, the Capital One Venture X card could very well end up being your go-to card in your wallet.

 

Pros & Cons

Pros

• 10x miles per $1 on hotels and rental cars purchased through Capital One Travel
• 5x miles per $1 on flights and vacation rentals purchased through Capital One Travel
• 2x miles per $1 on all other purchases

Cons

• $395 annual fee (rates & fees)
• Does not offer bonus categories for flights or hotel purchases made directly with the airline or hotel group, the preferred booking method for those looking to earn elite status

Read Full Review

Card Highlights

• Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
• Receive a $300 annual credit for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
• Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
• Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights and vacation rentals booked through Capital One Travel
• Earn unlimited 2X miles on all other purchases
• Unlimited complimentary access for you and two guests to 1,300+ lounges, including Capital One Lounges and the Partner Lounge Network
• Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs
• Enjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier Collection
• Receive up to a $120 credit for Global Entry or TSA PreCheck^®

Financial Snapshot

• APR: 19.99% - 29.74% (Variable)
• Foreign Transaction Fees: None

Rewards Center

Capital One Miles

 

Terms Apply / Rates & Fees

Capital One Venture Rewards Credit Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

Get 2x miles plus some of the most flexible redemptions offered by a travel credit card!

Capital One Venture Rewards Credit Card

Get 2x miles plus some of the most flexible redemptions offered by a travel credit card!

Welcome Offer

Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel.

75,000 miles

UP's Bonus Valuation*:

$1,350

Annual Fee

$95

APR

19.99% - 29.74% (Variable)

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

Good to Excellent Credit (670-850)

Why We Like This Card

The Capital One Venture Rewards Credit Card is one of the most popular rewards cards on the market. It’s perfect for anyone in search of a great welcome offer, high rewards rates, and flexible redemption options.

Frequent travelers with excellent credit may benefit from this credit card that offers a lot of bells and whistles. And it offers easy-to-understand rewards earning and redemption.

Pros & Cons

Pros

• 5x miles per $1 on hotels, vacation rentals, and rental cars booked through Capital One Travel
• 2x miles per $1 on all other purchases
• Up to a $120 Global Entry or TSA PreCheck application fee credit

Cons

• $95 annual fee (rates & fees)
• Limited elite benefits

Read Full Review

Card Highlights

• Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel
• Earn unlimited 2X miles on every purchase, every day
• Earn 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
• Miles won't expire for the life of the account and there's no limit to how many you can earn
• Receive up to a $120 credit for Global Entry or TSA PreCheck^®
• Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
• Enjoy a $50 experience credit and other premium benefits with every hotel and vacation rental booked from the Lifestyle Collection
• Transfer your miles to your choice of 15+ travel loyalty programs

Financial Snapshot

• APR: 19.99% - 29.74% (Variable)
• Foreign Transaction Fees: None

Rewards Center

Capital One Miles

Terms Apply / Rates & Fees

Capital One VentureOne Rewards Credit Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The card offers unlimited miles at 1.25x per $1 and no annual fee. When you consider the flexible rewards, frequent travelers come out on top.

Capital One VentureOne Rewards Credit Card

The card offers unlimited miles at 1.25x per $1 and no annual fee. When you consider the flexible rewards, frequent travelers come out on top.

Welcome Offer

Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel.

20,000 miles

UP's Bonus Valuation*:

$360

Annual Fee

$0

APR

19.74% - 29.74% (Variable),0% intro on purchases for 15 months

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

Good to Excellent (670-850)

Why We Like This Card

Interested in a travel rewards credit card without one of those pesky annual fees? Then say hello to the Capital One VentureOne Rewards Credit Card.

In addition to no annual fee, the Capital One VentureOne card offers no foreign transaction fees.

But is this card worth its salt, or is it merely a shell of the more popular Capital One Venture card?

Pros & Cons

Pros

• No annual fee (rates & fees)
• No foreign transaction fees (rates & fees)
• Ability to use transfer partners

Cons

• Weak earn rate at 1.25x miles per $1 spent on all purchases
• No luxury travel or elite benefits

Read Full Review

Card Highlights

• $0 annual fee and no foreign transaction fees
• Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
• Earn unlimited 1.25X miles on every purchase, every day
• Miles won't expire for the life of the account and there's no limit to how many you can earn
• Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
• Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
• Transfer your miles to your choice of 15+ travel loyalty programs
• Enjoy 0% intro APR on purchases and balance transfers for 15 months; 19.74% - 29.74% variable APR after that; balance transfer fee applies

Financial Snapshot

• APR: 19.74% - 29.74% (Variable),0% intro on purchases for 15 months
• Foreign Transaction Fees: None

Rewards Center

Capital One Miles

Hotel Partner Credit Cards

In addition to Marriott Bonvoy, several other hotel programs allow you to convert your hotel points into airline miles.

While on the surface this sounds great, it nearly always results in poor transfer ratios.

As a result, we don’t recommend converting your hotel points into airline miles unless you are really in a bind or are looking to top off an airline account for an award flight.

How to Redeem Qantas Frequent Flyer Points

Similar to Cathay Pacific, Qantas uses a number of different award charts that can make it initially challenging to ensure you’re using the correct one.

But don’t worry! Each award chart is included below. 

Qantas Points required for Classic Flight Rewards with Qantas, Jetstar, Fiji Airways, Air Vanuatu, and American Airlines:

Points required for Classic Flight Rewards when traveling on flights operated by Jetstar (JQ), Jetstar Asia (3K), Jetstar Japan (GK), and Jetstar Pacific (BL):

Qantas Points required for Partner Classic Flight Rewards with Air France, Alaska Airlines, British Airways, Cathay Pacific Airways, China Airlines, China Eastern, Cathay Dragon, EL AL, Emirates, Finnair, Iberia, Japan Airlines, KLM, LATAM Airlines, Malaysia Airlines, Qatar Airways, Royal Air Maroc, Royal Jordanian, S7 Airlines and SriLankan Airlines:

The Oneworld Classic Flight Reward table only applies when your reward itinerary includes travel on at least 2 Oneworld alliance airlines other than Qantas and does not include any travel on any airline that is not a Oneworld alliance airline:

Booking Online

You won’t be able to book all Qantas partners online, so if the partner isn’t listed below, you’ll need to call 800-227-4500 to book the award flight.

Only these partners can be booked online: American Airlines, Air Vanuatu, Aer Lingus, Alaska Airlines, British Airways, Cathay Pacific, China Eastern, Dragonair, Fiji Airways, Emirates, EL AL, Finnair, Iberia, Japan Airlines, Jetstar, LATAM, Malaysia Airlines, Qatar Airways, Royal Jordanian, S7 Airlines, and SriLankan Airlines.

Qantas and British Airways are the 2 search engines we recommend using to search for Oneworld award availability.

If the partner you’re looking to book is part of the Star Alliance, like Air New Zealand, search for Star Alliance award flights on the United or Aeroplan websites.

If the partner is a SkyTeam member, like China Eastern, we recommend using the Delta and Flying Blue websites to search for SkyTeam award availability.

Hot Tip: You may want to consider an Expert Flyer subscription for hard-to-find award flights, such as long-haul flights from the U.S. to New Zealand on Air New Zealand.