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Travel Rewards Cards for Frugal Flyers
Maximize your travel savings with these top picks for budget-conscious travelers
Best for Frequent Travelers
For those who frequently take to the skies, travel rewards cards can offer significant savings. Unlike generic lists, this selection focuses on cards that maximize your mileage without hefty fees. Here are the top picks for budget-conscious globetrotters.
Rates and terms shown are representative. Your actual rate depends on your credit profile and circumstances. This is not financial advice — always read the lender's terms before applying.
Westpac Airpoints Mastercard
The Westpac Airpoints Mastercard is ideal for New Zealand travelers looking to earn rewards without high fees. It charges just a $70 annual fee while offering 1 Airpoints Dollar per $150 spent. However, if you exceed $3,500 monthly, the earn rate drops, which could limit savings. No travel insurance is included, making it less appealing for international trips.
ANZ Airpoints Visa Platinum Card
Compared to the Westpac card, the ANZ Airpoints Visa Platinum offers additional benefits, like overseas travel insurance and bonus status points. However, it comes with a higher annual fee, which might not suit those prioritizing low upfront costs. It remains a strong contender for those who travel frequently and can benefit from the added perks.
American Express Airpoints Card
The American Express Airpoints Card offers a competitive earn rate but carries a higher purchase interest rate of 22.95%. While it lacks some of the premium perks of its counterparts, it's beneficial for those who spend heavily on their card and can capitalize on the earn rate without racking up interest.
While these picks offer strong rewards for travelers, each has its own limitations, particularly regarding fees and insurance. For those who travel less frequently or have different spending patterns, consider cards with lower fees or tailored benefits. Speaking of budget picks, we went deep on strategies in Travel Rewards Cards: Maximize Savings on Your Next Trip — worth a read if you want the full breakdown.