Westpac Altitude Black Amex or Amex Explorer - which card has better point per $ earn rate?

Hi, I want to earn more reward points. I have been looking at the pros and cons between these 2 Amex cards. Westpac Altitude Black Amex and Amex Explorer. So far these are the differences I can see.

  • 2.5 vs 2 points per $
  • 1.26% (with 30% discount) vs 1.48% cash back rate
  • $0 vs $400 travel credit
  • Mastercard and Amex vs just Amex cards

Can you do a comparison between these 2 please? I don’t know which one is best to earn the points. I know Westpac can collect reward points faster, but which card has the best point per $.


This site cannot give financial advice including comparing which card is best for you.

Suggest this discussion be closed like similar questions in the past.


This site is about comparing credit cards.  I don’t see how my question is asking for financial advice.  I removed the word “money” to make this question more focused on earning reward points.  This is not just for me.  Everyone will benefit from this discussion.

I think one of the post is saying cashback might be the worst way to spend your points.  I just found out cashback is the best way to spend Amex points (if redeem at $1000 cash vs gift card).

Although Westpac earns more points per $, the reward is about about 0.3% worse per $ spend when compare to Amex.

Thanks for the Tools & Calculators.  It saved me a lot of time.