No stranger to winning this category, Membership Rewards won Best Loyalty Credit Card in 2018 breaking a streak by upstart Norwegian Reward and their Norwegian Card from Bank Norwegian which won in 2020, 2019, and 2017. Prior to that, it was a nice streak by Flying Blue in the years 2013-2016. Membership Rewards is also a frequent winner in the Middle East & Asia/Oceania region as well. They (Membership Rewards) play well with others and have a value proposition that is hard to beat when maximizing all your loyalty currencies—flexibility. And very close right behind was the TAP Miles&Go Millennium BCP Credit Card. Miles&Go won all the other airline categories in this region and we’re sure would have loved this one. It is issued as a Visa. Perhaps the interesting card in the top five is the Accor ALL Visa Payment Card. Hotel loyalty credit cards are still rarities and it’s nice to see such a strong showing as this one by ALL.

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Full Voting Results

Rank	Best Loyalty Credit Card (Europe & Africa)	Rating
1	American Express Membership Rewards	8.68
2	TAP Millennium BCP Credit Card	8.42
3	ALL Visa Payment Card	8.18
4	Lufthansa Miles More Gold Credit Card	7.92
5	Air France KLM American Express	7.59
6	Marriott Bonvoy American Express Card	7.58
7	Bank Norwegian Norwegian Card	7.56
8	Turkish Airlines Miles Smiles Credit Card	7.43
9	British Airways Executive Club American Express Card	7.37
10	UIA Alfa Sky Pass Card	7.34
11	Czech Airlines Raiffeisenbank OK Plus E Mastercard	7.31
12	SAS Eurobonus American Express Elite Card	6.97
13	Diners Club Club Rewards	6.96
14	Aegean Bonus Visa	6.89
15	Finnair Plus Visa	6.81
16	airBaltic Payment Card	6.78
17	IHG Rewards Credit Card	6.77
18	Santander Iberia Card	6.74
19	South African Airways Voyager Credit Card	6.44
20	Virgin Atlantic Flying Club MBNA Credit Card	6.30
21	ING Pegasus BolBol Premium Credit Card	6.16