Credit Where Credit is Due

I’m in the market for a new credit card - although I am seriously considering moving to a charge card - now that ANZ have just butchered their Qantas VISA card to the point where it is no longer worth paying their exorbitant fees and charges.

I run almost all of our expenses through our credit card and pay it off in full at the end of each month - so I never carry a balance. The amount of money I charge through the account each year has made it worthwhile in the form of Qantas Frequent Flyer miles up until now.

I’d like something with a decent rewards program - preferably with the ability to convert to Qantas Frequent Flyer miles - but the potential for earning rewards must be enough to offset any rewards program and card fees.

Since I pay the balance at the end of each month automatically anyway, a charge card would be okay instead of a credit card.

I’m tending towards an Amex card at this point.

There are a couple of consumer info websites recently which have done some comparison tables, but they are rather simplistic and don’t take into account individual’s spending habits.

What would be nice is a tool where you can enter in some personal details about your needs and spending habits and it would calculate a set of suggested credit cards or charge cards for you.