There are quite a few journey bank cards in Canada to select from, however you may get the most effective worth by choosing one which pairs a robust earn fee for rewards together with perks like lounge entry, journey credit or rebates, superior insurance coverage protection and the flexibleness to switch factors between playing cards. Finally, select your card based mostly the way you prefer to journey, your spending and bank card habits and journey perks that suit your life-style. That can assist you decide the right card, we’ve give you an inventory of Canada’s finest journey bank cards.

Greatest total journey rewards bank card

At a look: With excellent earn charges in broadly-defined, in style spending classes, the American Categorical Cobalt card is a journey rewards beast. Factors are straightforward to redeem and versatile, and you may enhance their worth by transferring them to different journey loyalty applications. It comes with a complete insurance coverage package deal, so that you journey carefree.

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American Categorical Cobalt

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• Annual price: $156
• Earn fee: 5 factors per $1 spent on eating and groceries; 2 factors per $1 spent on transit and gasoline; and 1 level per $1 spent on all different purchases
• Welcome supply: You possibly can earn 1,250 factors for every month you spend $750, as much as a most of 15,000 factors.
• Annual earnings requirement: None

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Professionals

• At 5 factors per greenback spent on eats and drinks, 3 factors per greenback on streaming providers, and a couple of factors per greenback on journey and transit, this card has a few of the highest earn charges round. Plus, the excessive earn fee on meals and groceries is capped at $2,500 per 30 days, and no limits are utilized to different classes.
• The boosted spend classes are very broadly outlined so that you’ll earn extra factors for extra of your purchases. For instance, “eats and drinks”  consists of every little thing from grocery shops to espresso outlets to meals supply, and every little thing from gasoline to rideshares to flights falls beneath “journey and transit”.
• Amex factors are versatile and profitable. Redeem factors the easy method at a flat fee of 10,000 factors for $10 in direction of any journey expense—or, for those who’re a savvy factors collector—enhance your level values by utilizing Amex’s Mounted Level chart or transferring factors to a different program like Aeroplan.

Cons

• Though American Categorical is accepted at tens of 1000’s of companies throughout the nation, it’s not as extensively accepted as Visa or Mastercard.
• The annual price is charged month-to-month which barely obscures the truth that the overall is $155.88 per yr, a bit greater than the $120 charged by some comparable playing cards.
• The journey insurance coverage package deal lacks Journey Cancellation safety which covers you in case of a sudden sickness.

Honourable point out

At a look: With a decrease annual price and no international alternate charges, the Scotiabank Gold American Categorical offers the Amex Cobalt a run for its cash. You’ll take pleasure in sturdy earn charges, straightforward and versatile redemptions, and the most effective journey insurance coverage packages in the marketplace. Frequent clients of Sobeys-affiliated shops like Safeway, FreshCo and Thriftys will particularly respect the additional factors enhance on grocery purchases there.

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Scotiabank Gold American Categorical

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• Annual price: $120 (waived for the primary yr)
• Earn charges: 6 factors per $1 spent at Sobeys-affiliated shops; 5 factors per $1 on eating, leisure and groceries; 3 factors per $1 on gasoline, transit and streaming; 1 level per $1 on every little thing else
• Welcome supply: You possibly can earn as much as $650 in worth within the first 12 months, together with as much as 40,000 bonus Scene+ factors. Should apply by July 1, 2024.
• Annual earnings requirement: $12,000

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Professionals

• With 5 factors per greenback on leisure, eating places, meals supply and groceries (plus an additional level at Sobeys shops).
• Redemptions are easy and tremendous versatile–particularly for journey the place 10,000 factors is the same as $10 in worth on any airline. In actual fact, you possibly can apply factors for journey purchases retroactively for as much as one yr by making use of them in your app or on-line. 
• There are not any international alternate charges while you use this card to pay in a international forex (most playing cards cost 2.5% on all international forex purchases).
• The cardboard’s journey insurance coverage package deal is superb and consists of as much as 25 days of journey emergency medical for these beneath the age of 65.

Cons

• Like all American Categorical playing cards, this one gained’t be accepted at some retailers akin to Loblaws banner shops. 
• Supplementary playing cards are $29 every, in contrast to with our successful card, the Amex Cobalt, the place they’re free.
• As a fixed-rate program, Scene+ factors are at all times valued at 1 cent per level versus some dynamic applications the place you may get higher worth throughout sure time intervals. 
• You’ll solely earn the bottom fee of 1 level per greenback on international forex transactions no matter whether or not they’re in a bonus class or not.

Greatest airline journey bank cards

For Aeroplan

At a look: Though you might use our primary journey card, the Amex Cobalt, to switch Amex factors to Aeroplan, the TD Aeroplan Visa Infinite tops our record of finest Aeroplan bank cards in Canada for its straightforward redemptions and extras just like the $100 Nexus price rebate. Plus, for those who often spend on Ubers or are an everyday at Starbucks, you might stretch your rewards even additional with this card.

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TD Aeroplan Visa Infinite Card

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• Annual price: $139
• Earn charges: 1.5 Aeroplan factors per $1 spent on gasoline, groceries and purchases made immediately by means of Air Canada (together with trip packages), and 1 level per $1 on all different purchases
• Welcome bonus: You possibly can earn a welcome bonus of 10,000 Aeroplan factors while you make your first buy along with your new card; earn 20,000 Aeroplan factors while you spend $6,000 inside 180 days of Account opening. Circumstances apply. Account should be authorised by June 3, 2024. 
• Anniversary bonus: Earn a one-time anniversary bonus of 20,000 Aeroplan factors while you spend $10,000 inside 12 months of opening the account. Circumstances apply. Account should be authorised by June 3, 2024.
• Annual earnings requirement: Private earnings of $60,000 or family earnings of $100,000

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Professionals 

• You possibly can earn Aeroplan Standing Qualifying Miles in your on a regular basis purchases so that you advance in Aeroplan standing quicker. The upper you go, the higher the perks, like precedence boarding, reductions on flights and precedence seat choice.   
• Card holders and as much as eight journey companions travelling on the identical reservation get their first checked bag free when your journey begins on an Air Canada flight. 
• Along with with the ability to redeem for Air Canada flights, you possibly can redeem your factors on a dozen Star Alliance companions like Lufthansa and United. 
• This card has helpful extras like a $100 Nexus price rebate each two years. 
• The included insurance coverage package deal is aggressive, and consists of emergency medical journey protection for longer than some opponents (21 days, or 4 days for these 65 and older).

Cons

• For those who’re searching for the best possible approach to get as many Aeroplan factors as you possibly can, utilizing the Amex Cobalt and transferring your factors at a 1:1 ratio is a greater choice, however that is our selection for a easy, Aeroplan-specific card.
• Aeroplan is a dynamic chart-based program which implies level values can fluctuate based mostly on the place and while you’re flying, so it might not be the suitable program for cardholders searching for simplicity. 
• This card has a barely increased annual price ($139) than another playing cards in its class.

Greatest Aeroplan various

For those who’re at present a CIBC buyer, you may discover the CIBC Aeroplan Visa Infinite card to be fairly comparable. It shares nearly equivalent earn charges and lots of comparable perks (excluding the Nexus rebate). The insurance coverage choices are fairly comparable, although the CIBC card supplies $5 million in emergency medical protection, in comparison with the $2 million supplied by the TD card. Nonetheless, it’s vital to notice that CIBC’s protection is restricted to fifteen days (or 3 days for these 65 and older). CIBC gives a supplementary card for $50, which is $25 lower than the TD card.

For WestJet 

At a look: With a 1.5% base fee and a couple of% again on WestJet flights or trip packages, this card offers travellers a strong device to take the sting out of the price of airfare. Add to that aggressive perks like an annual round-trip companion voucher and a free first checked bag for you and as much as eight journey companions, and also you’ve received a card WestJet flyers will need to think about.

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WestJet RBC World Elite Mastercard

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• Annual price: $119
• Earn fee: 2% again in WestJet {dollars} on WestJet flights and holidays packages and 1.5% again on all different purchases
• Welcome supply: You possibly can earn as much as $450 in WestJet {dollars} with the WestJet RBC World Elite Mastercard. Plus, get a Spherical-Journey Companion Voucher Each 12 months – for any WestJet vacation spot ranging from $119 CAD (plus taxes, charges, fees and different ATC).
• Annual earnings necessities: Private earnings of $80,000 or family earnings of $150,000

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Professionals

• Get one round-trip companion voucher to wherever WestJet flies yearly, which helps you to ebook a companion fare at a lowered fee while you additionally ebook a full fare. Or, you possibly can alternate the companion voucher for 4 airport lounge passes.
• Obtain as much as three $500 Standing Lifts yearly, which get you to the subsequent rewards tier quicker. The upper your tier, the extra advantages you’ll get, like lounge entry.
• The WestJet rewards program is straightforward, with out complicated charts or blackout intervals. One level equals 1 cent in financial savings on Westjet flights. 
• You get rewarded on your loyalty—earn 2% on WestJet flights or holidays, which is the next earn fee for journey bookings than different playing cards on this record.

Cons

• While you use a round-trip companion voucher, the low cost solely applies to the bottom fee of the fare. Taxes, airport charges, and air transportation fees stay the identical—and these will be fairly hefty. 
• WestJet {dollars} will not be transferable to another airways or airline applications.

Greatest no-fee journey bank card

At a look: Certainly one of our finest no-fee playing cards in Canada, the American Categorical Inexperienced Card earns you factors in your on a regular basis spending that you would be able to redeem for assertion credit, items, playing cards, merchandise or journey, and just like the Cobalt, they’re transferable at a 1:1 ratio to different frequent flyer or rewards applications. That is notable as a result of by transferring to a program like Aeroplan, you possibly can enhance the worth of your factors considerably. 

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American Categorical Inexperienced Card

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• Annual price: $0
• Earn fee: 1 level for each $1 spent on all purchases and 1 extra level for each $1 spent on lodge or automobile bookings made on americanexpress.ca.
• Welcome supply: You possibly can earn 10,000 Membership Rewards factors while you cost $1,000 in purchases to your card within the first three months of cardmembership.
• Annual earnings requirement: None

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Professionals

• You’ll earn a flat fee of 1 level per greenback on your entire on a regular basis spending with no spending limits, and this might be doubled for lodge or automobile rental bookings made by means of Amex Journey On-line. 
• While you switch your factors to a different program, like Aeroplan, you possibly can double their worth to 2 cents apiece. A 1.5% to 2% return in your spending is uncommon for a no-fee card.
• Amex Membership rewards like Experiences lets you reap the benefits of curated eating, procuring, and leisure occasions, whereas Entrance of the Line will get you advance entry to tickets.

Cons

• There isn’t any included journey insurance coverage nor travel-related perks like lounge or Wi-Fi entry with this card, however that’s common for a no-fee card.
• American Categorical playing cards are accepted at tens of 1000’s of places throughout Canada and overseas, however there are limitations–principally within the grocery sector. In Canada, you can’t use an Amex at Costco or Loblaws banner shops.

Honourable point out

At a look: This no-fee journey card gives accelerated earn charges on restaurant, grocery, digital media, membership and family utility purchases, supplying you with plenty of methods to earn factors by means of your on a regular basis spending. Plus, the birthday bonus perk returns 10% of your annual earnings in factors. Factors are price $0.01 every while you redeem for journey, and so they by no means expire.

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MBNA Rewards Platinum Plus Mastercard

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• Earn charges: Earn 2 factors for each $1 spent on eligible groceries, eating places, digital media, membership and family utility purchases ($10,000 max annual spend) and 1 level per $1 on every little thing else
• Welcome supply: You possibly can earn 10,000 bonus factors ($50 in money again worth). Plus, get 4 factors per $1 spent on eligible restaurant, grocery, digital media, membership and family utility purchases through the first 90 days.. (Not obtainable for residents of Quebec.)
• Annual earnings requirement: None

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Professionals

• This card comes with a powerful 5 bonus classes, supplying you with many alternatives to rack up factors. 
• Distinctive birthday bonus perk returns 10% of your yearly earnings in factors so that you’ll get an annual enhance.
• Contains $1,000 in new cell system safety.

Cons

• The purpose redemption course of isn’t tremendous intuitive or versatile. It’s a must to redeem factors on MBNA’s journey portal and may’t switch factors.
• The annual cap on the bonus classes, akin to groceries, is $10,000 per class. Any purchases past that quantity will earn on the base fee of 1 level per $1 spent.
• Not like lots of different journey bank cards, this card doesn’t embody journey insurance coverage however that’s to be anticipated in a no-annual-fee card.

Greatest lodge bank card

At a look: You’ll earn Marriott Bonvoy factors on each buy you make on the world’s largest lodge conglomerate, redeemable at greater than 30 lodge chains (from Marriott and St. Regis to The Ritz-Carlton) in 130 nations. Get service upgrades like free Wi-Fi, spa therapies, eating experiences, or free lodge stays. Factors are additionally transferable to round 40 different airline applications like Aeroplan, Delta SkyMiles and Virgin Atlantic.

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Marriott Bonvoy American Categorical

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• Annual price: $120
• Earn charges: 5 factors per $1 at Marriott properties, 2 factors per $1 all over the place else
• Welcome supply: Earn as much as 80,000 factors. Supply ends Might 6, 2024.
• Annual earnings requirement: None

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Professionals

• You possibly can deal with your self to hotel-related upgrades, providers and free nights at resorts, together with St. Regis, The Ritz-Carlton and Westin, or for different travel-related bills like flights or automobile leases. Bonvoy factors are versatile—you may also use them for merchandise and experiences.
• The bottom fee of two factors per greenback is kind of good, however your factors will actually rack up while you earn 5 factors per greenback spent in your Marriott lodge stays. 
• This card comes with some helpful perks like one free night time’s keep at a Marriott property yearly and 15 Elite Evening Credit that can assist you obtain the subsequent degree of standing.
• For those who attain $30,000 in complete annual spending on the cardboard, you’ll be upgraded to Marriott Bonvoy Gold Elite standing and unlock perks like room upgrades, financial savings on factors redemptions for lodge stays and extra.
• As an Amex card, this package deal will get you Amex advantages like Entrance of the Line and eating, retail and wellness experiences.

Cons

• The worth of Marriott Bonvoy factors can fluctuate based mostly on a mixture of elements—from the lodge you’re staying at to the time of the yr—which means maximizing factors and switch choices isn’t at all times simple to newer level collectors. 
• Factors are price much less for airline transfers at a 3:1 ratio, which means you’re lacking out on maximizing worth for something apart from lodge bookings.
• American Categorical is much less extensively accepted than Mastercard or Visa.

Greatest bank card for premium perks

At a look: The Amex Platinum offers new which means to the outdated saying, “You get what you pay for.” On this case, the $799 annual price pays for itself by means of a smorgasbord of unimaginable perks. Your journey expertise might be remodeled with limitless airport lounge entry, partnerships at Effective Lodge + Resorts properties, and precedence therapy at Toronto Pearson Airport. The various perks—like a number of hundred {dollars} price of annual journey and eating credit and a Nexus price rebate—go a good distance towards offsetting the value tag.

American Categorical Platinum

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• Annual price: $799
• Rewards: 2 factors per $1 on eating and meals supply; 2 factors per $1 on journey, plus 1 extra level on purchases booked by means of Amex Journey On-line; 1 level per $1 on every little thing else.
• Welcome bonus: You possibly can earn as much as 100,000 rewards factors ($1,000 worth). Circumstances apply.
• Annual earnings requirement: None

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Professionals 

• You’ll get a $200 journey credit score annually that may be redeemed in direction of a journey buy made by means of American Categorical Journey On-line. Spend your extra annual $200 eating credit score at choose eating places all over the world, together with 100 in Canada.  
• Get entry to The American Categorical International Lounge Assortment composed of greater than 1,300 lounges in over 140 nations, together with American Categorical Centurion Lounges, Plaza Premium and Delta Sky lounges. Cardholders might have limitless free visits and companion passes at no extra value, relying on the lounge.
• Robotically obtain the upper tier within the Hilton Honors and Marriott Bonvoy lodge applications.
• Acquire customized help by means of Platinum Concierge service. The concierge could make restaurant reservations, acquire tickets to particular occasions, ebook providers for you, and extra—at no extra value to you. 
• As a result of the Platinum is a cost card, high-volume spenders will not be restricted by a traditional credit score restrict.

Cons

• Extra playing cards value $250 every yearly. 
• Given the annual price, the journey medical insurance coverage is lackluster. Whereas some playing cards supply 20 days or extra, this card solely covers you for as much as 15 consecutive days and doesn’t supply any insurance coverage to those that are 65 or older.
• Cost no matter you need to the cardboard (there’s no credit score restrict), however as a result of it’s a cost card, you’re required to repay the stability in full each month.

Greatest journey bank card for college kids

At a look: The CIBC Aeroplan Visa Card for College students bundles the flexibility to earn Aeroplan rewards with a number of journey advantages and student-friendly perks to ship a aggressive package deal for no annual price.

CIBC Aeroplan Visa Card for College students

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• Annual price: $0
• Earn charges: 1 level per $1 spent on gasoline and EV charging, groceries and Air Canada purchases, and 1 level per $1.50 on every little thing else
• Welcome supply: Earn 10,000 Aeroplan factors while you make your first buy ($200 worth).
• Rates of interest: 20.99% on purchases and 22.99% on money advances (21.99% in Quebec)
• Annual earnings requirement: None

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Professionals

• You need to use your factors on any obtainable Air Canada seat and there are not any blackout dates. Plus, you need to use your factors with any of Aeroplan’s many companions akin to United and Aer Lingus.
• Aeroplan factors are price loads in comparison with these of different applications, and they are often redeemed for flights with a number of airways, not simply Air Canada. 
• You possibly can usually get most popular pricing so you possibly can usually ebook flights utilizing fewer factors and you may pay for flight rewards with a mixture of factors and money.
• A free SPC membership is included, supplying you with entry to reductions and giveaways, and also you’ll save as much as 10 cents off per litre while you purchase gasoline at collaborating stations with Journie Rewards.
• You’ll have widespread service accident protection, automobile rental collision and loss harm safety and buy safety.

Cons

• Not like different Aeroplan playing cards, you gained’t earn Standing Qualifying Miles in your on a regular basis purchases. 
• The Aeroplan factors program isn’t essentially the most intuitive to know, particularly for first-time card holders, as a result of level values fluctuate based mostly on a regional chart.

Honourable point out

At a look: The no-fee TD Rewards Visa combines the flexibility to earn versatile journey rewards factors with different student-friendly perks like bundled banking providers. Though TD Rewards factors are price lower than another loyalty applications, the earn fee is pretty beneficiant throughout on a regular basis spending classes supplying you with plenty of alternatives to earn.

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TD Rewards Visa Card

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• Annual price: $0
• Earn charges: 4 TD Rewards factors per $1 spent on journey purchases made by means of Expedia for TD, 3 factors per $1 on groceries and at eating places, 2 factors per $1 on recurring invoice funds, and 1 level on all different purchases
• Welcome supply: You possibly can earn a price of $50 in TD Rewards Factors to make use of on eligible Amazon.ca purchases, plus no annual price. Circumstances apply. Account should be authorised by June 3, 2024.

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Professionals 

• You possibly can quadruple your factors by merely reserving journey by means of Expedia for TD, however bookings made elsewhere nonetheless earn at a fee of 1 level per greenback and there’s no restrict to what number of factors you possibly can earn on journey.
• Along with journey rewards like flights or resorts, you possibly can redeem your factors for Amazon purchases, or put them in direction of assertion credit to cowl your stability. 
• You’ll take pleasure in student-friendly perks and reductions at companions together with Amazon, Starbucks, and Uber.
• Level values are easy-to-understand: 200 factors at all times equals $1 in journey rewards booked on Expedia. 

Cons

• The boosted spending classes for grocery and eating places, and recurring invoice funds are capped at a $5,000 annual spend so after that, you’ll earn on the 1 level per greenback base fee.
• Journey insurance coverage isn’t included with this card, so that you’d need to pay additional to cowl your self.

Ceaselessly requested questions

Several types of journey bank cards 

Generic journey rewards bank cards

Some bank cards give you the flexibility to earn rewards on on a regular basis purchases and different buy classes, which will be redeemed in direction of all kinds of issues, together with journey. This implies you aren’t essentially restricted to reserving by means of sure airways when redeeming your factors on flights. You might also be capable to switch your bank card factors to an airline rewards program, akin to with the American Categorical Cobalt.

Airline rewards bank cards

Some journey bank cards supply rewards with particular airways the place your factors’ redemption values might range, such because the TD Aeroplan Visa Infinite card. While you accumulate sufficient factors, you possibly can ebook a flight or trip package deal with affiliated airways like WestJet or Air Canada. Take note although that the worth of your factors can rely on the date of your flight and your vacation spot. 

Lodge rewards bank cards

Lodge rewards bank cards give you the flexibility to redeem your factors in direction of a lodge keep, and to earn factors while you ebook at affiliated resorts like Marriott or Delta, or earn perks akin to room upgrades or free breakfasts while you ebook eligible lodge stays. For those who often ebook resorts for work or journey, think about a lodge rewards bank card just like the Marriott Bonvoy American Categorical.

Journey bank card options 

Some vital options to look out for in journey bank cards, in addition to factors worth and your reserving redemption choices (flights, resorts, automobiles), embody: 

• Journey insurance coverage protection for medical points or journey delays. Most bank card journey insurance coverage applications cowl you as much as 15 days and are usually extra restricted for these over the age of 65, however there are exceptions. (Examine tips on how to know in case your bank card comes with sufficient journey insurance coverage protection.)
• Airport lounge entry without spending a dime or discounted lounge passes by means of Precedence Move, Visa Airport Companion Program, Dragon Move and others. 
• Lodge reductions, like reductions at Marriott resorts. 

Whether or not the cardboard fees you international transaction charges if you are overseas, on prime of standard alternate charges. These charges will be as excessive as an added 2.5% on each buy.

What journey factors program is finest?

Not all journey reward applications are created equal. So how do you select the suitable one for you? 

First, it’s vital to know that journey rewards applications will be damaged down into two primary varieties: Constant and chart-based.

It’s price noting that in uncommon circumstances, just like the American Categorical Membership Rewards Program, you may get to decide on to redeem factors for journey based mostly on both a constant system or as a chart-based system.

Lots of the large banks supply constant factors journey reward applications. They’re aimed toward individuals who need to function inside a easy program that has an easy-to-understand redemption course of; individuals who dislike sophisticated applications will respect these. Chart-based applications will be significantly extra sophisticated—but in addition doubtlessly extra helpful. For the reason that variety of factors wanted to redeem for a flight isn’t constant, utilizing the rewards chart strategically may also help you stretch the worth of your factors and web the next return when flying on sure routes, and even when reserving premium seats or enterprise class. These applications are extra in style with private finance fanatics and left-brain thinkers.

Evaluate journey bank cards rewards factors values 

What number of journey rewards factors do you want for a flight? 

What number of Avion factors you want for a flight

Premium Avion cardholders want at the least 15,000 factors for a flight inside or close to your province or territory, at the least 35,000 factors for a flight inside North America, 65,000 factors for a flight to Europe and 100,000 factors for different locations across the globe. 

What number of Amex factors you want for a flight 

Utilizing the American Categorical Mounted Factors Program, you’d want at the least 15,000 factors for a brief flight inside North America, 20,000 factors for a flight from a Canadian province or territory to a close-by U.S. State, 40,000 factors for an extended North American route, 50,000 factors for a trip vacation spot and at the least 60,000 factors for Europe or 100,000 factors for different continents. 

What number of Aeroplan factors you want for a flight

Aeroplan’s chart system makes use of Miles to measure the minimal level redemptions. For shorter flights inside North America, you’d want at the least 6,000-22,500 factors for an Financial system flight, 35,000-70,000 factors for North America and Atlantic zones, and so forth. 

What number of Scene factors you want for a flight

1 level is price 1 cent. For a $300 airline ticket, you’d want 300,000 Scene factors. 

What number of BMO Rewards factors you want for a flight

You possibly can redeem your factors for an announcement credit score in direction of flights. 1 BMO Rewards level is price 0.7 of a cent in journey rewards.

What number of TD factors you want for a flight

You want a minimal of 200 factors for a redemption by means of Expedia for TD. 1 TD Rewards level is price 0.5 cents in journey rewards. 

What number of MBNA rewards factors you want for a flight

You possibly can redeem a minimal of 10,000 factors for a $100 assertion credit score on journey. 

Do journey bank card factors expire? 

Some journey rewards factors expire after a sure interval of inactivity, whereas others don’t. For instance, Aeroplan factors expire after 18 months of inactivity, and Marriott Bonvoy factors expire after 24 months, whereas WestJet {dollars} usually don’t expire, until they had been earned throughout sure promotions or different circumstances. To keep away from having your factors expire, you possibly can ebook resorts along with your factors, purchase merchandise by means of the loyalty program’s retailer, switch factors from one other program or to a member of the family, in some circumstances, and extra.

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