The NAB Qantas Card earn rate is retarded. Capped at $10,000 per month (not $10,000 on Amex AND $10,000 on MasterCard), assuming all spend on the American Express, you're looking at $40,000 spend before the promo ends if you apply now, so 3 points per dollar * $12,000 and 1.5 points per dollar *...