ANZ, Amex & St.George: Score 100K points with February’s top rewards credit cards

Get rewarded with a big stack of bonus reward points and other great perks. Here are the market's highest-rated rewards credit cards this month.

Every month Finder rounds up the top rewards credit cards using our comprehensive, data-driven Finder Score. We take into account fees, purchase rates, earn rates, bonus point offers and other perks to figure out which cards are truly the most rewarding.

Here are the market's highest-rated rewards credit cards this month for February 2025.

1. American Express Platinum Card

The American Express Platinum Card has a Finder Score of 9.9 in the rewards category.

This card has a limited time offer of 200,000 Membership Rewards Points when you spend $5,000 on eligible purchases in the first 3 months as a new customer. That's one of the biggest bonus reward point offers on the market.

Just keep in mind that this is a charge card, not a credit card.

You also earn 2.25 points per dollar spent on most purchases, and get travel, dining and entertainment perks, plus a $450 yearly travel credit.

There's a $1,450 annual fee, which is obviously very steep. But if you weigh it against the card's benefits (and actually take advantage of those benefits), it's a very rewarding card for the right kind of customer.

2. ANZ Rewards Black Credit Card

The ANZ Rewards Black Credit Card has a Finder Score of 9.15 in the rewards category. It also won the 2025 Finder Award for best rewards credit card.

This card gives you 180,000 bonus ANZ Reward Points if you spend $3,000 on the card in the first 3 months. That's worth around $800 in digital gift cards, or you can convert it to 90,000 Velocity Points.

If you spend $3,000 on this card in the first 3 months, you can get 180,000 bonus ANZ Reward Points. That's not a huge hurdle for a rewards card, and those points are worth at least $800 in digital gift cards, or you can convert it to 90,000 Velocity Points.

The annual fee is $375. But if you meet the bonus point spend conditions you get $150 back.

3. American Express Explorer Credit Card

The American Express Explorer Credit Card has a Finder Score of 9.5.

This card offers 100,000 bonus Membership Rewards Points if you spend $4,000 on the card in the first 3 months. It has an earn rate of 2 points per dollar spent.

Yes there's a $395 annual fee but there's also a $400 travel credit. If you factor that in, the credit pays for the card before you even consider the points value.

4. St.George Amplify Signature

The St.George Amplify Signature has a Finder Score of 9.22 in the rewards category.

The St.George Amplify Signature offers 150,000 bonus Amplify Points, which are worth at least $675 in gift cards. You just need to spend $12,000 in the first 12 months.

The card has a discounted annual fee in the first year. It also offers shopping cashback with the Shopback platform and 2 complimentary airport lounge passes each year.

Bank of Melbourne and BankSA offer identical Amplify Signature cards. They were all highly commended at the 2025 Finder Credit Card Awards in the rewards category.

5. Citi Prestige Card

The Citi Prestige Card has a Finder Score of 8.61.

You can get 250,000 Citi Rewards Points if you can spend $10,000 in the first 3 months after activating the card. You can convert those to 125,000 Velocity Points.

With this card you earn 1 point per dollar on most domestic transactions. But you can earn 3 points per dollar on eligible international and some domestic transactions.

There is a very hefty $700 annual fee though. But this card has a lot of travel-related perks like unlimited airport lounge access that make it a pretty compelling offer for regular travellers.

Details of these cards are correct at time of publication and subject to change. All these cards were identified as the "best" cards using the Finder Score, a data-driven methodology that considers rates, fees and card features.