Credit Cards with Subscription Benefits

Ranked by estimated first-year value after fees. Uses each offer's best redemption, assumes the bonus is earned and the balance is paid in full.

1. The American Express Platinum Card Referral Offer

American Express points

$1,450 annual fee

Referral offerHow referrals work

Offer

225,000 American Express points

Complimentary digital subscription to The Australian Premium (including The Wall Street Journal access), available to Primary and Additional Platinum Card Members.

Spend $5,000 in 90 days (~$1,667/mo)

Craig's Take

Moderate spend — $56/day for 90 days. Excellent ongoing earn rate. $450 cashback offsets the $1450 fee.

Estimated value after fees $1,408

Velocity flights

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2. The Qantas American Express Ultimate Card

Qantas points

$450 annual fee

Offer

70,000 Qantas points

Complimentary Qantas Wine Premium Membership; earn 3 points per dollar on Qantas Wine purchases and complimentary Qantas Wine delivery within Australia

Spend $5,000 in 90 days (~$1,667/mo)

Offer Expires in a month (2026-11-17)

Craig's Take

Moderate spend — $56/day for 90 days. Excellent ongoing earn rate. $450 cashback covers the $450 fee.

Estimated value after fees $1,220

Qantas flights

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3. The Qantas American Express Ultimate Card Referral Offer

Qantas points

$450 annual fee

Referral offerHow referrals work

Offer

70,000 Qantas points

Complimentary Qantas Wine Premium Membership; earn 3 points per dollar on Qantas Wine purchases and complimentary Qantas Wine delivery within Australia

Spend $5,000 in 90 days (~$1,667/mo)

Offer Expires in a month (2026-11-17)

Craig's Take

Moderate spend — $56/day for 90 days. Excellent ongoing earn rate. $450 cashback covers the $450 fee.

Estimated value after fees $1,220

Qantas flights

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