Earn/burn tables

[zzyss]

Does there exist a table somewhere which lists all of the credit cards and award programs earn/burn rates?

e.g. the ones I have:

Westpac Altitude Platinum Amex earn: $1 = 3pts
Velocity burn: 1pt = 0.5 Velocity pts (effective rate - 1.5pt/$)
Krisflyer burn: 1pt = 0.5 Krisflyer pt (effective rate - 1.5pt/$)

Westpac Altitude Platinum Visa/Mastercard earn: $1 = 1pt
Velocity burn: 1pt = 0.5 Velocity pts (effective rate - 0.5pt/$)
Krisflyer burn: 1pt = 0.5 Krisflyer pt (effective rate - 0.5pt/$)

Citibank Gold Visa earn: $1 = 1pt
Velocity burn: 1.5pts = 1 Velocity pts (effective rate - 0.66pt/$)
Krisflyer burn: 1.5pts = 1 Krisflyer pt (effective rate - 0.66pt/$)

 

[zzyss]

Wow, no takers. Really? Should I take this to mean that no such thing exists, or that it's a stupid question and if I just improved my Google skills some more there are a hojillion of them out there waiting to be discovered?

 

[samh004]

I'd imagine if there isn't a table of them already, compiling a list would take quite a bit of effort?!

 

[zzyss]

Well if everybody wants to pitch in with their own CC's, I'd be happy to compile them into the OP. I might even be able to throw up a Web page of them somewhere if it gets serious enough.

 

[Alanslegal]

If its purely just earn/burn tables then I guess it will be ALOT of work and probably too time consuming to create one.

If you then need to factor in the cost of the card as well - as this factor is an important one when it comes to choosing a card - then it becomes MORE than ALOT of work to create one.

Just as a card can earn/burn well - the annual fees imposed may be skyhigh compared another card with reasonable earn/burn but has low fees.


Anyway, to assist my cards are Citibank Platinum (which you have covered) ANZ FF Platinum (which is purely 1:1 and only to QF), Amex Rewards Maximiser (which I really don't know how it works yet) and Wizard Clear Advantage which has no points program.

 

[samh004]

I'd participate but my income is so low/non-existent that I don't qualify for a CC with any bank. Therefore I have no information.

 

[zzyss]

If you then need to factor in the cost of the card as well - as this factor is an important one when it comes to choosing a card - then it becomes MORE than ALOT of work to create one.

Good idea. Maybe annual fee should be included as well?

 

[Cynicor]

Who knows, maybe this can become THE card comparison table. Until it becomes out of date in a week. Anyway, to get the ball rolling i'll chuck in a couple of my cards earn rates (not sure of burn numbers):

AMEX Gold (professional association). $0 annual fee. Ascent Rewards, $0 annual fee. Earn 1:1 MR points. (or QFF direct sweep I believe). No cap.

Burn rates- Standard MR rates.

Citibank Platinum. Free for life. QFF $19 annual fee. Citibank rewards $0 annual fee. Earn 1:1, capped at (80000?)

Burn rates- No idea

ANZ QF Platinum- Free with loan. $1:1 until $2500/month then 1:.5 onwards.

Burn rates- Standard QFF rates.

I'm sure someone else can fill in the burn rates.

 

[JohnK]

It would not be easy to compile a list of credit cards with annual fees, earn rates and burn rates as most of these factors change with each promotion. Also I tend to think that most people are comfortable with current credit cards in their possession and do not go searching for another credit card that regularly.

I have an Amex Gold with no annual fee and enrolled in Ascent for $80 a year. The Gold card earns MR points at 1:1 but until June 30 it earns MR points at 1.5:1.

I also have an Qantas Amex premium card with no annual fee (should have asked them to waive the second year annual fee as well) and earns QFF points at 1.25:1 and as I only use it for Qantas Australian spend it effectively earns QFF points at 2.25:1.

Have no interest whatsoever in a reward program with a Visa/Mastercard as I do not spend enough money each year to justify the setup/maintenance costs in the credit card. I prefer to stick to Amex and cash for most of my spend....