Top 12 Lounge Credit Cards in Canada for October 2026

Apply with Confidence — won't impact your credit score

on American Express' website

Welcome Bonus

Earn up to 100,000 Membership Rewards® points

Rewards Rate

1x - 2x

Points

Annual Fee

$799

Interest Rates

21.99% - 30%* / N/A*

RECOMMENDED CREDIT SCORE

300

Poor

693

Fair

743⁎

Good

790⁎

Very Good

833⁎

Excellent

⁎Estimates based on TransUnion scoring

Scotiabank Passport® Visa Infinite +* Card

Our Rating

4.6/5

If you're a frequent traveler, the Platinum card is an excellent choice. It's highly recommended for its extensive travel benefits, including unlimited lounge access for you and a guest at the American Express Lounge collection, making it the best card for lounge access in Canada. The card also offers unique perks not commonly found with other Canadian cards, such as status upgrades at Marriott Bonvoy and Hilton, dining and travel credits, concierge service, airport benefits, Nexus application reimbursement, and more. These benefits can more than offset the annual fee. However, if you don't travel often or are mainly looking for a card that maximizes rewards, this card may not be the best option for you.

Awards & Recognition

Best Lounge Access Credit Card

2026

Pros & Cons

Pros

Most premium perks
Dining and travel credits
Unlimited airport lounge access
Multiple redemption options
Comprehensive coverage
Luxurious metal card
Instant decision. No credit impact.

Cons

High annual fee
Limited acceptance
Benefit limitations

Card Details

Rewards

2x points per $1 spent on eligible dining & food delivery purchases (restaurant, fast food, coffee shop, food delivery)
2x points per $1 spent on eligible travel purchases (flights, hotels, tours and more)
1x point per $1 spent for all other purchases

Insurance

Coverage

Travel Medical Insurance (64 & under)
15 days
Trip Cancellation
$2,500
Trip Interruption
$2,500
Flight Delay
$1,000
Baggage Delay
$1,000
Hotel Burglary Insurance
$1000
Lost or Stolen Baggage
$1,000
Common Carrier Travel Accident Insurance
$500,000
Car Rental Damage & Theft
Yes
Purchase Protection
120 days
Extended Warranty
1 year

Benefits

Details

Airport Lounge - American Express Global Lounge
Take full advantage of The American Express Global Lounge CollectionTM which unlocks access to over 1,400 airport lounges worldwide. This includes The Centurion® Lounge network, Plaza Premium Lounges, and hundreds of other domestic and international lounges designed to enhance your travel experience. Terms and Conditions apply
Travel Credit
$200
Dining Credit
$200 at Select Restaurants
Nexus Program Rebate
$100 statement credit every 4 years
Complimentary Hotel Benefits
Enjoy complimentary benefits that offer an average value of $550 USD at over 1,600 extraordinary properties worldwide when you book Fine Hotels + Resorts
Status lift
Upgrade to Hilton Honors Gold Status
Status lift
Upgrade to Marriott BonvoyTM Gold Elite status
Priority Travel
At Toronto Pearson Airport get Priority Security lane, Complimentary valet and 15% discount at the Express Park and daily park
Concierge Services
Trip and legal Assistance
American Express® Experiences
Extra points
Earn 2 points on Amex Travel Online purchases and extra points on American Express offers

Eligibility

Credit Score
Good
Annual Income
N/A

Our choice for: Best No-FX Fee Card (6 Dragon Pass visits)

Scotiabank Passport® Visa Infinite +* Card

4.8

Exclusive · From FinlyWealth$120 rebate

on Scotiabank's website

Welcome Bonus

Earn up to $1,250 in value, including up to 35,000 bonus Scene+ points

First Year Rewards

$566.8

Based on $2,000/mo spending. Calculate your rewards

Annual Fee

$150

Interest Rates

20.99% / 22.99%

RECOMMENDED CREDIT SCORE

300

Poor

560

Fair

660⁎

Good

725⁎

Very Good

760⁎

Excellent

⁎Estimates based on Equifax scoring

American Express® Aeroplan®* Reserve Card

Our Rating

4.8/5

The Scotiabank Passport Visa Infinite + is a strong choice for frequent travelers, especially those who value flexibility and premium perks. It stands out with its rare benefit of no foreign transaction fees, making international purchases more cost-effective. Additionally, the card offers a valuable blend of travel perks, including airport lounge access, comprehensive insurance coverage, and flexible rewards, making it an ideal companion for those who frequently travel abroad and want to avoid extra fees while enjoying premium benefits.

Awards & Recognition

Best Travel Credit Card

2026

Pros & Cons

Pros

High rewards
No foreign transaction fees
Airport lounge access
Shell Fuel Savings
Comprehensive insurance
Generous intro offer

Cons

High income requirements
High annual fee

Card Details

Rewards

Earn 3x Scene+™ points on every $1 you spend at Sobeys, Safeway, IGA, Foodland and participating Co-ops and more†
Earn 2x Scene+™ points for every $1 you spend on other eligible grocery stores, dining, eligible entertainment purchases and eligible daily transit options (including rideshares, buses, subways taxis and more)†
Plus earn 1 Scene+™ point for every $1 spent on all other eligible everyday purchases†
Earn additional benefits + up to 4x Scene+ points for every dollar you spend on hotel bookings, car rentals, and things to do with Scene+ Travel, Powered by Expedia†

Insurance

Coverage

Travel Medical Insurance (64 & under)
$2M/insured up to 25 days
Travel Medical Insurance (65 to 75)
$2M/insured up to 3 days
Trip Cancellation
$1,500/person, $10,000/trip
Trip Interruption
$2,500/person, $10,000/trip
Flight Delay
$500/person after 4 hours
Lost or Stolen Baggage
$1,000
Baggage Delay
$1,000
Common Carrier Travel Accident Insurance
$500,000/insured, $1M combined
Car Rental Damage & Theft
$65,000 up to 48 days
Hotel Burglary Insurance
$1,000
Purchase Protection
90 days
Extended Warranty
1 year

Benefits

Details

No Foreign Transaction Fees
Avoid the usual 2.5% forex fees on your purchases when you travel outside of Canada
Airport Lounge - Dragon Pass
6 Free complimentary visits
Gas Discount²
Get up to 10¢/L in value on fuel purchases at Shell stations
Status lift
Avis® Preferred Plus membership
Concierge Services
Discount^**
Yearly GigSky 1GB/15-Day plan, 20% off future purchases, and 10GB of global data for 15 days with Travel Essentials
Visa Infinite Exclusive Benefits

Eligibility

Credit Score
Good
Annual Income
$60,000 personal or $100,000 household

Our choice for: Best Aeroplan Option (Unlimited Maple Lounge visits + Priority Pass)

4.7

Exclusive · From FinlyWealth$150 rebate

Apply with Confidence — won't impact your credit score

on American Express' website

Welcome Bonus

Earn up to 85,000 Aeroplan points.

Rewards Rate

1.25x - 3x

Points

Annual Fee

See Rates

Interest Rates

21.99%* / 21.99%*

RECOMMENDED CREDIT SCORE

300

Poor

693

Fair

743⁎

Good

790⁎

Very Good

833⁎

Excellent

⁎Estimates based on TransUnion scoring

Wealthsimple Visa Infinite Privilege*

Our Rating

4.7/5

If you are a frequent Air Canada traveler, having an Aeroplan card for perks like free checked bags and priority service can be very beneficial. Many financial institutions offer Aeroplan cards, but we don't believe the American Express version is the best one. Opting for another option might be better. However, the Amex card does have a very large sign-up bonus, making it a great choice for those specifically seeking that.

Pros & Cons

Pros

Generous rewards rate
Free checked bags
Preferred flight pricing
Unlimited airport lounge access
Extensive coverage
Instant decision. No credit impact.

Cons

Limited acceptance
Limited loyalty rewards
High annual fee
Limited lounge brand access

Card Details

Rewards

3x Aeroplan^® points per $1 spent on eligible Air Canada^® and Air Canada Vacations^® purchases
2x Aeroplan^® points per $1 spent on eligible dining & food delivery purchases
1.25x Aeroplan^® points per $1 spent on all other purchases

Insurance

Coverage

Travel Medical Insurance (64 & under)
15 days
Trip Cancellation
$1,500/person, $3,000/trip
Trip Interruption
$1,500/person, $6,000/trip
Flight Delay
$1,000/person after 4 hours
Baggage Delay
$1,000/person after 6 hours
Lost or Stolen Baggage
$1,000
Common Carrier Travel Accident Insurance
$500,000
Car Rental Damage & Theft
48 days
Hotel Burglary Insurance
$1,000
Purchase Protection
90 days
Extended Warranty
1 year

Benefits

Details

Free first checked bag
First checked bag is free for primary cardholder on Air Canada branded flight and up to 8 guests
Nexus Program Rebate
$100 every 4 years
Amex Experiences™
Amex Experiences™ opens doors for you to access a number of special events, including special dining experiences, VIP parties, advance film screenings and more
Extra points
Earn points twice at over 150 Aeroplan partner brands and over 170 online retailers through the Aeroplan eStore
Status lift
Complimentary upgrade to Avis® President's Club
Status lift
Get a 10% Head Start. Starting in 2027, eligible Basic Cardmembers with Aeroplan EliteTM* Status will receive a 10% head start toward qualification, based on Status Qualifying Credits (SQC) accumulated the year before. Roll over any unallocated unused eUpgrade Credits to the following year to enjoy during your travels
Status lift
Primary Cardholders who also hold Aeroplan Elite Status will benefit from an extra 12 months to use eUpgrade credits, for a total of 24 months from issuance.
Priority Travel
At Toronto Pearson airport get benefits such as Priority Security lane, Complimentary valet, premium parking spots, priorioty taxi and limo lane and discount for parking and car care.
Priority Travel
Get Priority Check-in, Priority Boarding and Priority Baggage Handling, Priority Airport Standby & Priority Airport Upgrades for you, your authorized users and up to 8 companions on the same flight (Only AirCanada)
Airport Lounge - Priority Pass
Pass only. No Complimentary visits!
Airport Lounge - Maple Leaf and AirCanada Cafes
Unlimited Access for you and one guest
Companion Voucher
Annual Worldwide Companion Pass from $99 to a max of $599 After spending $25,000 on your card
Free Extra Night at Hotels
Cardmembers can now get an extra night free for every 3 hotel nights redeemed with Aeroplan points. Enjoy even more at over 300,000 hotel properties worldwide

Eligibility

Credit Score
Good
Annual Income
N/A

Our choice for: Best Potential No Fee (6 Dragon Pass visits)

4.4

on Wealthsimple's website

Wealthsimple Premium client, or $4,000+/mo direct deposit?

Either one waives the $240/yr card fee (Premium = $100k+ in assets)

+$240

Welcome Bonus

Get 5% cash back for the first 30 days (1)

First Year Rewards

$300

Based on $2,000/mo spending. Calculate your rewards

Annual Fee

See Rates

Interest Rates

20.99%* / 22.99%*

RECOMMENDED CREDIT SCORE

300

Poor

560

Fair

660⁎

Good

725⁎

Very Good

760⁎

Excellent

⁎Estimates based on Equifax scoring

Tangerine® Money-Back World Mastercard®*

Our Rating

4.4/5

The Wealthsimple Cash Back Visa Infinite Privilege offers a no-FX-fee spending solution with a conditional no-fee setup that earns 2% cash back on all purchases without any limits! It's currently the ONLY Visa Infinite Privilege card with an annual fee that can be completely waived. It also lets you grow your rewards—as you can deposit your cashback whenever you want in a high-interest chequing account. Its simplicity and flexibility make it ideal for many Canadians.

Pros & Cons

Pros

Decent cashback
No premium client annual fee
No foreign transaction fees
Solid insurance
Airport lounge access

Cons

High annual fee
High income requirements

Card Details

Rewards

2% cash back on all eligible purchases, no limits.

Insurance

Coverage

Mobile Device Insurance
$1,000
Purchase Protection
90 days
Extended Warranty
1 year
Travel Medical Insurance (64 & under)^*
14 days up to $2M (under age 65)
Trip Cancellation^*
$1,500/person ($5,000 per trip)
Trip Interruption^*
$1,500/person ($5,000 per trip)
Baggage Delay^*
$1,000 ($1,250 combined with Lost or Stolen Baggage coverage)*
Lost or Stolen Baggage^*
$1,000 ($1,250 combined with Baggage Delay coverage)
Car Rental Damage & Theft^*
31 days, $65K car MSRP

Benefits

Details

No Foreign Transaction Fees^*
Avoid FX fees when you travel abroad
Visa Infinite Exclusive Benefits^*
Airport Lounge - Dragon Pass^*
6 complimentary visits

Eligibility

Credit Score
Good
Annual Income
$150,000 personal or $200,000 household

Our choice for: Best No annual fee (Dragon Pass only)

4.6

Exclusive · From FinlyWealth$75 rebate

on Tangerine's website

Welcome Bonus

Get $120 with a Tangerine® Money-Back World Mastercard®* and a limited time promo rate on balance transfers

First Year Rewards

$477.86

Based on $2,000/mo spending. Calculate your rewards

Annual Fee

Interest Rates

20.95%* / 22.95%*

RECOMMENDED CREDIT SCORE

300

Poor

560

Fair

660⁎

Good

725⁎

Very Good

760⁎

Excellent

⁎Estimates based on Equifax scoring

RBC Avion Visa Infinite Privilege

Our Rating

4.6/5

While we think Tangerine World Mastercard isn't the best single credit card to own, it's still a valuable card to have in your arsenal for maximizing your rewards. It offers one of the highest cashback rates for pharmacy and recurring bill payments, areas where your other credit cards might not provide significant rewards. For no annual fees

Pros & Cons

Pros

Customizable cashback
No annual fee
Unique cashback categories available
High recurring transactions optimization
High pharmacy purchase optimization
Airport lounge membership

Cons

Income requirements
Low base earn rate

Card Details

Rewards

2% Money-Back Rewards on your choice of two categories from the 13 offered by Tangerine (Grocery, Restaurants, Gas, Entertainment, Furniture, Hotel-Motel, Drug Store, Reccurring Bill Payments, Home Improvement, Public Transportation and Parking and more). Change them up every 90 days to match spending habits.
Have your Money-Back Rewards deposited into a Tangerine Savings Account and get a third 2% Money-Back Category.
0.5% cashback on all other eligible purchases.

Insurance

Coverage

Purchase Protection
90 days
Extended Warranty
1 year
Mobile Device Insurance
$1,000
Car Rental Damage & Theft
31 days

Benefits

Details

Airport Lounge - Dragon Pass
Pass only. No Complimentary visits!
Wireless Credit
FlexiRoam 1GB Global Data Roaming Plan and 15% off on purchase of Data Plans.
Mastercard On-Demand and Subscription Services
Access 50+ live-stream sports channels and save $30 on your first three months of Fubo (excludes Quebec)

Eligibility

Credit Score
Good
Annual Income
$50,000 personal or $80,000 household

Our choice for: Best Privilege Contender (6 Dragon Pass visits)

4.4

on RBC's website

Welcome Bonus

Get up to 100,000 Avion points(1)

First Year Rewards

$2,201

Based on $2,000/mo spending. Calculate your rewards

Annual Fee

$399

Interest Rates

20.99% / 22.99%□

RECOMMENDED CREDIT SCORE

300

Poor

560

Fair

660⁎

Good

725⁎

Very Good

760⁎

Excellent

⁎Estimates based on Equifax scoring

TD® Aeroplan® Visa Infinite Privilege* Credit Card

Our Rating

4.4/5

The RBC Avion Visa Infinite Privilege is an excellent choice for frequent travelers who want premium travel perks and high-value rewards. The welcome bonus, insurance coverage, and airport benefits offer significant value for those who qualify. However, the high annual fee and income requirements may limit its accessibility, and the reward rate outside of the travel chart is less competitive.

Pros & Cons

Pros

High value travel points
Extensive Coverage
Airport perks
Flexible rewards
Airport lounge access

Cons

Higher annual fee
High income requirements
Relatively lower rewards
Limited redemption options

Card Details

Rewards

1.25x Avion points per $1 spent on all eligible purchases

Insurance

Coverage

Purchase Protection¹²
120 days
Extended Warranty¹²
Up to 2 years
Mobile Device Insurance¹²
$1,500
Common Carrier Travel Accident Insurance¹²
$500,000
Travel Medical Insurance (64 & under)¹²
31 days
Travel Medical Insurance (65 to 75)¹²
7 days
Trip Interruption¹²
$5,000
Trip Cancellation¹²
$2,500
Hotel Burglary Insurance¹²
$3,000
Baggage Delay¹²
$750
Lost or Stolen Baggage¹²
$2,500
Flight Delay¹²
$1,000
Car Rental Damage & Theft¹²
yes

Benefits

Details

Airport Lounge - Dragon Pass
6 complimentary airport lounge visits per year(2)
Gas Discount
save 3¢/L on fuel(8) and always earn 20% more Petro-Points(9) at Petro-Canada and 20% more Avion points(10)
Extra points
50 Be Well™ points on every $1 spent on eligible purchases at Rexall(14)
Concierge Services
Connect to the Visa Infinite Privilege Concierge like having a personal assistant on call!
Priority Travel
Enjoy global airport lounge access, airport security fast track lanes, and dedicated airport parking at select Canadian airports
Visa Infinite Exclusive Benefits
Dining series and Visa Infinite Luxury Hotel Collection offers with benefits like late check out and upgrades
Discount
Add your credit card to your DoorDash account and get a 12-month complimentary DashPass subscription(18)

Eligibility

Credit Score
Good
Annual Income
$200,000 personal or $200,000 household

Our choice for: Best Aeroplan Dual Lounge Access (6 Dragon Pass visits + Unlimited Maple Lounge visits)

4.3

on TD's website

Welcome Bonus

Up to $3,300 in value† including up to 100,000 Aeroplan points† could be yours. Conditions Apply.

First Year Rewards

$326.15

Based on $2,000/mo spending. Calculate your rewards

Annual Fee

$599

Interest Rates

21.99% / 22.99%□

RECOMMENDED CREDIT SCORE

300

Poor

560

Fair

660⁎

Good

725⁎

Very Good

760⁎

Excellent

⁎Estimates based on Equifax scoring

American Express Gold Rewards Card®

Our Rating

4.3/5

If you travel a lot throughout the year with Air Canada, the benefits of this card can significantly enhance your experience. It can help you achieve the next status level with Aeroplan and provide a better airport experience, therefore it can be worth the price tag. However, if you don't frequently fly with Air Canada, the benefits may not justify the card's expensive price tag.

Pros & Cons

Pros

Elite Air Canada experience
High insurance coverage
Luxury perks
Generous intro offer

Cons

Low reward rates
Limited airline flexibility
High annual fee
Limiting airport lounge brand

Card Details

Rewards

Earn 2 points^†for every $1 spent on eligible purchases made direct through Air Canada^® purchases (including Air Canada Vacations^®)
Earn 1.5 points† for every $1 you charge to your Card on eligible gas, electric vehicle charging, groceries, travel & transit and dining purchases.
Earn 1.25 points^†for every $1 spent on all other purchases made with your Card
Earn points twice when you pay with your Card and provide your Aeroplan number at over 150 Aeroplan partner brands and at 200+ online retailers via the Aeroplan eStore (www.aeroplan.com/estore).
Earn more at Starbucks: Link your eligible Card to earn 50% more Aeroplan points plus more Starbucks Stars. Redeem points for even more Stars. Conditions apply.

Insurance

Coverage

Travel Medical Insurance (64 & under)^†
31 days
Travel Medical Insurance (65 to 75)^†
4 days
Trip Cancellation^†
$2,500/person, $5,000/trip
Trip Interruption^†
$5,000/person, $25,000/trip
Flight Delay^†
$1,000/person after 4 hours
Baggage Delay^†
$1,000/person after 4 hours
Lost or Stolen Baggage^†
$2,500/person
Common Carrier Travel Accident Insurance^†
$500,000
Car Rental Damage & Theft^†
48 days
Hotel Burglary Insurance^†
$2,500
Purchase Protection^†
120 days
Extended Warranty^†
2 years
Mobile Device Insurance^†
$1,500

Benefits

Details

Free first checked bag^†
First checked bag is free for primary cardholder on AirCanada flight and up to 8 guests
Nexus Program Rebate^†
up to $100 every 4 years
Visa Infinite Exclusive Benefits^†
Concierge Services^†
Golf Benefit^†
Troon Rewards Golf benefits like discounts at over 95 resorts and courses around the world plus access to select private clubs across the U.S
Extra points^†
Link your eligible Card to earn 50% more Aeroplan points plus more Starbucks Stars. Redeem points for even more Stars. Conditions apply.  
Extra points^†
Earn points twice at over 150 Aeroplan partner brands and over 200 online retailers through the Aeroplan eStore
Status lift^†
Reach Aeroplan Elite™ Status sooner by earning 1,000 Status Qualifying Miles and one (1) Status Qualifying Segment for every $5,000 of net purchases
Car Rental Discount^†
10% off base rate of Avis Rent A Car and Budget Rent A Car
Trip and legal Assistance^†
Extra points^†
Earn 2 Aeroplan points for every $1 you spend on eligible purchases with Rocky Mountaineer, Plus, cardholders could receive a GoldLeaf Upgrade, and a hotel room upgrade
Status lift^†
Complimentary upgrade to Avis® President's Club
Status lift^†
Primary Cardholders who also hold Aeroplan Elite Status can roll over up to 200,000 Status Qualifying Miles (SQM) beyond the status level for which they’ve qualified, from the prior qualification year to qualify for status the next year.
Status lift^†
Primary Cardholders who also hold Aeroplan Elite Status will benefit from an extra 12 months to use eUpgrade credits, for a total of 24 months from issuance.
Status lift^†
Diamond Status with Visa RSVP Rewards™ Benefit. Benefits at 60+ participating Sandman, Sandman Signature and Sutton Place Hotels from coast-to-coast in Canada and beyond.
Priority Travel^†
At Toronto, Vancouver, Ottawa and Montreal airports get benefits such as Priority Security lane, Complimentary valet, premium parking spots, priorioty taxi and limo lane and discount for parking.
Priority Travel^†
Get Priority Check-in, Priority Boarding and Priority Baggage Handling, Priority Airport Standby & Priority Airport Upgrades for you, your authorized users and up to 8 companions on the same flight (Only AirCanada)
Airport Lounge - Dragon Pass^†
6 Free complimentary visits
Airport Lounge - Maple Leaf and AirCanada Cafes^†
Unlimited Access for you and one guest
Companion Voucher^†
Annual Worldwide Companion Pass from $99 to a max of $599 After spending $25,000 on your card

Eligibility

Credit Score
Good
Annual Income
$150,000 personal or $200,000 household

Our choice for: Best Affordable Plaza Premium Access (4 Plaza Premium visits + Priority Pass)

4.3

Apply with Confidence — won't impact your credit score

on American Express' website

Welcome Bonus

Earn up to 60,000 Membership Rewards® points

First Year Rewards

$1,426.71

Based on $2,000/mo spending. Calculate your rewards

Annual Fee

$250

Interest Rates

21.99%* / 21.99%*

RECOMMENDED CREDIT SCORE

300

Poor

693

Fair

743⁎

Good

790⁎

Very Good

833⁎

Excellent

⁎Estimates based on TransUnion scoring

Scotiabank Platinum American Express® Card

Our Rating

4.3/5

The American Express® Gold Rewards Card is an excellent choice for travelers seeking an entry-level card that offers a strong balance of generous travel benefits without excessive costs. With a relatively low annual fee, this card provides flexibility and a range of perks that make it stand out among other options. It’s ideal for those who want to maximize their travel rewards without being tied to a specific airline or compromising on the benefits offered.

Pros & Cons

Pros

Flexible rewards
Travel perks
Comprehensive insurance
Multiple redemption options
Instant decision. No credit impact.

Cons

High annual fee
Foreign transaction fees
Limited senior travel insurance
Limited acceptance

Card Details

Rewards

2x points per $1 spent on gas, groceries and drugstore purchases
2x points per $1 spent on travel (eligible flights, hotels, tours and more)
1x point per $1 spent on all other eligible purchases

Insurance

Coverage

Travel Medical Insurance (64 & under)
15 days
Trip Cancellation
$1,500 per person, $3,000 combined
Trip Interruption
$1,500 per person, $6,000 combined
Flight Delay
$500
Baggage Delay
$500
Hotel Burglary Insurance
$500
Lost or Stolen Baggage
$500
Common Carrier Travel Accident Insurance
$500,000
Car Rental Damage & Theft
yes
Purchase Protection
90 days
Extended Warranty
Up to 1 year

Benefits

Details

Travel Credit
$100
Nexus Program Rebate
$50 statement credit every 4 years
Airport Lounge - Priority Pass
Pass only. No Complimentary visits!
Airport Lounge - Plaza Premium
4 Free complimentary visits
Complimentary Hotel Benefits
Hotels booked American Express Travel
Status lift
Hertz Gold Plus Rewards® loyalty program
American Express® Experiences
Extra points
Earn 2 points on Amex Travel Online purchases and extra points on American Express offers

Eligibility

Credit Score
Good
Annual Income
N/A

Our choice for: Best Plaza Premium + Priority Pass Access

3.8

Exclusive · From FinlyWealth$175$225 rebate

on Scotiabank's website

Limited offer · ends

Welcome Bonus

Earn up to $3,000* in value in the first 14 months, including up to 100,0001 bonus Scene+ points.

First Year Rewards

$1,106

Based on $2,000/mo spending. Calculate your rewards

Annual Fee

$399

Interest Rates

9.99% / 9.99%

RECOMMENDED CREDIT SCORE

300

Poor

560

Fair

660⁎

Good

725⁎

Very Good

760⁎

Excellent

⁎Estimates based on Equifax scoring

National Bank World Elite® Mastercard®

Our Rating

3.8/5

The Scotiabank Platinum American Express is the perfect choice for those seeking a super premium credit card without steep income requirements. With a high flat rate of rewards on all purchases, extensive insurance coverage, and flexible travel redemption options, it offers full-featured perks that cater to frequent travelers and savvy spenders alike.

Pros & Cons

Pros

Low interest rates
Strong rewards
Airport lounge access
Comprehensive travel insurance
Shell Fuel Savings
Flexible travel rewards
No foreign transaction fees
Instant decision. No credit impact.

Cons

Higher annual fee
Limited premium perks

Card Details

Rewards

Earn 2x Scene+ points for every $1 spent on all other eligible purchases
Earn additional benefits + up to 4x Scene+ points for every dollar you spend on hotel bookings, car rentals, and things to do with Scene+ Travel, Powered by Expedia
Rates, fees and other information are effective as of July 2, 2026. Subject to change.

Insurance

Coverage

Travel Medical Insurance (64 & under)
$2M, Up to 31 days
Travel Medical Insurance (65 to 75)
$2M, Up to 10 days
Trip Cancellation
$2500/person, $10000/trip
Lost or Stolen Baggage
$500/person, $1000/trip
Trip Interruption
$5000/person, $25000/trip
Baggage Delay
$1000 After 4 hours
Flight Delay
$1000/person
Common Carrier Travel Accident Insurance
$500K/person, $1M/occurrence
Car Rental Damage & Theft
$65K up to 48 days
Hotel Burglary Insurance
$1000/occurrence
Mobile Device Insurance
$1000
Purchase Protection
120 days
Extended Warranty
Up to a year

Benefits

Details

No Foreign Transaction Fees
Airport Lounge - Plaza Premium
10 visits, 4 visits for secondary card (combined with the Priority pass)
Airport Lounge - Priority Pass
10 visits, 4 visits for secondary card (combined with the Plaza Premium)
Gas Discount²
Get up to 11¢/L in value on fuel purchases at Shell stations
American Express® Experiences
Concierge Services
Discount
Discount on PriorityPass Membership
Status lift
Hertz #1 Club Gold Member
Extra points
Extra 4 Scene+ points per Canadian dollar spent on hotel and car rental bookings made through Scene+ Travel using your Scotiabank Platinum American Express Card

Eligibility

Credit Score
Good
Annual Income
$12,000 personal or $12,000 household

Our choice for: Best National Bank Lounge Access (Unlimited National Bank Lounge visits)

4.6

Exclusive · From FinlyWealth$100 rebate

on National Bank's website

Welcome Bonus

N/A

First Year Rewards

$573.76

Based on $2,000/mo spending. Calculate your rewards

Annual Fee

$150

Interest Rates

20.99% / 22.49%

RECOMMENDED CREDIT SCORE

300

Poor

560

Fair

660⁎

Good

725⁎

Very Good

760⁎

Excellent

⁎Estimates based on Equifax scoring

BMO Ascend™ World Elite®* Mastercard®*

Our Rating

4.6/5

The National Bank World Elite Mastercard is a strong choice for frequent travelers who value rewards and comprehensive insurance coverage. With a generous earn rate on everyday spending categories like groceries and restaurants, it offers substantial value, especially if you redeem points for travel. The $150 annual travel credit effectively offsets the card's $150 annual fee, making this card almost "fee-free" if fully utilized. Additionally, the card’s airport lounge access, superior purchase protection, and extended warranties make it a great companion for those who prioritize convenience and peace of mind during their travels.

Pros & Cons

Pros

High earn rates
Annual travel credit
Comprehensive insurance
Unlimited airport lounge access

Cons

High income requirements
Annual fee

Card Details

Rewards

Earn up to 5 points per dollar in eligible grocery and restaurant purchases*
2 points per dollar in eligible gas and electric vehicle charging purchases, recurring bill payments and À la carte^TM travel purchases*
1 point per 1 dollar in other purchases

Insurance

Coverage

Purchase Protection^*
180 days
Extended Warranty^*
Up to 2 years
Travel Medical Insurance (54 & under)
60 days
Travel Medical Insurance (55 to 64)
31 days
Travel Medical Insurance (65 to 75)
15 days
Trip Interruption
$5,000
Trip Cancellation
$2,500
Baggage Delay
$500
Flight Delay
$500
Lost or Stolen Baggage
$1,000
Car Rental Damage & Theft
yes
Mobile Device Insurance
$1,000

Benefits

Details

Airport Lounge - National Bank
Unlimited access to the National Bank Lounge at Montréal-Trudeau Airport
Travel Credit
$150 refund per year on travel expenses (seat selection, airport parking, baggage fees, airline ticket upgrades and lounges)

Eligibility

Credit Score
Good
Annual Income
$80,000 personal or $150,000 household

Our choice for: Most Affordable (4 Dragon Pass visits)

3.5

Exclusive · From FinlyWealth$120 rebate

on BMO's website

Welcome Bonus

Get up to $1,900 in value including up to 115,000 points. Plus, get a 0% introductory interest rate on Balance transfers for 12 months.*

First Year Rewards

$1,197.63

Based on $2,000/mo spending. Calculate your rewards

Annual Fee

$150 $0

Interest Rates

21.99% / 23.99%□

RECOMMENDED CREDIT SCORE

300

Poor

560

Fair

660⁎

Good

725⁎

Very Good

760⁎

Excellent

⁎Estimates based on Equifax scoring

CIBC Aeroplan® Visa Infinite Privilege* Card

Our Rating

3.5/5

The BMO Ascend™ World Elite® Mastercard® is perfect for frequent travelers who want a premium card offering high earning rates on travel, dining, and entertainment, plus valuable travel perks like lounge access and comprehensive insurance coverage. If you travel often and can meet the income requirement, this card offers flexibility and peace of mind with both rewards and protection while you're on the go.

Pros & Cons

Pros

Generous rewards
Lounge access
Comprehensive insurance
first-year fee rebate

Cons

Low point value
High income requirements
Limited lounge availability

Card Details

Rewards

5x points per $1 spent on eligible travel purchases (up to $15,000 spent)*
3x points per $1 spent on eligible dining, recurring bill payment and entertainment purchases (up to $10,000 spent per category)*
1x point per $1 spent on all other eligible purchases*

Insurance

Coverage

Purchase Protection
90 days
Extended Warranty
Double up to 1 year
Travel Medical Insurance (64 & under)
$5M up to 21 days
Common Carrier Travel Accident Insurance
$500,000/person
Trip Interruption
$2K/person, $10K/trip
Trip Cancellation
$1,500/person, $5K/trip
Flight Delay
$500 after 4 hours
Baggage Delay
$500/person, $1K/trip
Lost or Stolen Baggage
$500/person, $1K/trip
Hotel Burglary Insurance
$1,000
Car Rental Damage & Theft
$65,000 up to 48 days

Benefits

Details

Airport Lounge - Dragon Pass
4 complimentary visits
Discount
Up to 7% discount on Booking.com prepaid hotel or property rental bookings
Discount
20% off admission to Cirque du Soleil shows touring Canada, and 15% off resident shows in Las Vegas
Car Rental Discount
20% off base rate of participating National Car Rental and Alamo Rent a Car and up to 5% on Enterprise Rent-A-Car
Discount
FlexiRoam: Stay connected around the world without a SIM card and get up to 15% off a Global Data Roaming plan plus up to 3GB of data, free.
Discount
Enjoy six months of Instacart+ and a $10 monthly Instacart credit when you enroll your eligible BMO Credit Card.*

Eligibility

Credit Score
Good
Annual Income
$80,000 personal or $150,000 household

Our choice for: Honourable Mention (6 Dragon Pass visits + Unlimited Maple Lounge visits)

3.2

on CIBC's website

Welcome Bonus

Up to 100,000 Aeroplan® points

First Year Rewards

$957.71

Based on $2,000/mo spending. Calculate your rewards

Annual Fee

$599

Interest Rates

20.99% / 22.99%□

RECOMMENDED CREDIT SCORE

300

Poor

560

Fair

660

Good

725⁎

Very Good

760⁎

Excellent

⁎Estimates based on Equifax scoring