We’ve ranked February’s top rewards cards: turn your spending into freebies
If you meet the spend criteria, these cards could give you hundreds of thousands of rewards points.
Out of Finder's 6 best rewards credit card offers on the market in February, 4 of them are either from American Express or Bankwest.
We've ranked these offers using the Finder Score. This is an objective, data-driven approach to finding the best credit cards, analysing bonus points offers, conditions, annual fees, earn rates, points values and more.
- Bankwest More World Mastercard
- American Express Platinum Card
- Bankwest More World Platinum
- ANZ Rewards Black Credit Card
- MyCard Prestige Card
- American Express Explorer Credit Card
Want more options?
Compare more excellent rewards credit cards.
1. Bankwest More World Mastercard
The Bankwest More World Mastercard has a Finder Score of 9.9.
This card offers up to 180,000 bonus Points. To get them you'll need to spend $10,000 in the first 90 days, which gets you 120,000 Points. If you hold the card for 15 months you'll get the remaining 60,000.
This card has a high earn rate too at 2.5 Points per dollar. The annual fee is $270 and the card also comes with 10 complimentary airport lounge passes per year.
2. American Express Platinum Card
The American Express Platinum Card has a Finder Score of 9.25.
This card currently offers 200,000 Amex Membership Rewards Points to new customers who spend $5,000 on the card in the first 3 months.
The card also has a high earn rate of 2.25 points per dollar spent (excluding spending at government bodies like the ATO).
The card's annual fee is quite steep at $1,450. But this is partly offset by annual travel and dining credits worth $450 and $400 respectively.
3. Bankwest More World Platinum
The Bankwest More Platinum Mastercard has a Finder Score of 9.11.
This card gives you up to 130,000 bonus Points. If you spend $5,000 in the first 90 days you'll get the first 90,000 Points. Then you'll get the remaining 40,000 Points if you hold the card for 15 months.
You earn 2 Points per dollar spend and the annual fee is quite low at $160.
4. ANZ Rewards Black Credit Card
The ANZ Rewards Black Credit Card has a Finder Score of 9.1.
Right now this card gives you 180,000 ANZ Rewards Points but like the Bankwest cards it will take 15 months to get the full amount of points.
You can also get $100 back if you meet the spend criteria ($5,000 in the first 3 months) to unlock the first 130,000.
You have to hold the card for 15 months for the remaining 50,000.
The bonus points alone could be worth over $800 in gift cards. Or you could convert them to 90,000 Velocity Points.
The card has a $375 annual fee and you earn 2 rewards points for every dollar you spend.
It also won the 2025 Finder Award for best rewards credit card.
5. MyCard Prestige
The MyCard Prestige Card has a Finder Score of 8.79.
With this card you can get up to 250,000 bonus MyCard Rewards Points if you spent $10,000 in the first 90 days.
The annual fee is fairly steep at $700 but you also get 15 Priority Pass airport lounge visits per year and other benefits.
6. American Express Explorer Credit Card
The American Express Explorer Credit Card has a Finder Score of 8.73.
With this card you get 75,000 bonus Membership Rewards Points if you spend $4,000 in the first 3 months as a new customer.
You earn 2 points per dollar spent. There's a $395 annual fee but you also get a $400 travel credit and complimentary airport lounge passes.
Ask a question