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19 Best Travel Credit Cards of September 2025
Published Sep 12, 2025 5:38 AM UTC • 15 min read
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It’s no secret that putting your trip expenses on your credit card is a convenient way to cover travel costs, but are you charging your upcoming excursion to the right travel credit card?
There are multiple travel credit cards on the Canadian market that cater not only to travellers in general, but specific types of travellers.
Some travel cards allow you to avoid foreign transaction fees, while others provide luxury adventurers with airport lounge access. Alternatively, there are travel cards best for collecting points that can ultimately be used towards travel, whereas others have extensive travel insurance. How you travel and who you’d like to travel through or with (think booking platforms and specific airlines) are big factors that must be considered before applying for a travel credit card.
For a comprehensive breakdown of the top travel credit cards in Canada, organized into respective categories, keep reading.
Best Overall Travel Credit Card
Our choice for: Premium Travel Perks and No FX Fees
APPLY NOW
on Scotiabank's website
Welcome Bonus
Up to 45,000 Scene+ points ($450 value)
Rewards Rate
1x - 3x Points
Points
Annual Fee
$150
Interest Rates
20.99% / 22.99%
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.
Pros
- High Rewards on Select Purchases: Earn up to 3 points per $1 spent on select categories.
- No Foreign Transaction Fees: Shop abroad without additional charges.
- Comprehensive Insurance: Includes 11 types of insurance coverage.
- Airport Lounge Access: Enjoy up to 6 airport lounge passes per year through the Visa Airport Companion program.
Cons
- High Income Requirements: Requires $60,000 personal or $100,000 household income.
- Lower Overall Rewards: Rewards potential is lower compared to premium credit cards.
- High Annual Fee: Comes with a significant annual fee.
- Average Insurance Coverage: Insurance benefits are standard, not exceptional.
- Mediocre Earnings Potential: The card’s rewards structure might not offer the highest returns for every spender.
Rewards
- Earn 3x Scene+™ points on every $1 you spend at Sobeys, Safeway, IGA, Foodland and participating Co-ops and moreScotiabank Passport Visa Infinite Review: Benefits & Lounge Access†
- 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
Emergency Out of province Medical
$2M/insured up to 25 daysEmergency Medical Over 65
$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
$1000Baggage Delay
$1000
Travel Accident
$500,000/insured, $1M combined.svg)
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.svg)
Status lift
Avis® Preferred Plus membership.svg)
Concierge Services
Visa Infinite Exclusive Benefits
Eligibility
Credit Score
GoodAnnual Income
$60,000 personal or $100,000 household
**†Terms and conditions apply. See Card Provider's website and Card Application for complete card details, terms and current offers. Reasonable efforts are made to maintain accuracy of information. Check here for full details and current product information.
The best travel credit card to carry with you as you collect stamps in your passport is none other than the Scotiabank Passport Visa Infinite Card itself (view now).
This card is packed with competitive rewards, specifically strong points per dollar spent at partnered grocers like Sobeys, Safeway, IGA, Foodland and more, plus solid Scene+ points per dollar spent on purchases made at other grocery stores, dining, eligible entertainment, and transit. To top it all off, you can also pocket bonus Scene+ points on every dollar you spend on hotel bookings, car rentals, and arrangements made through Scene+ Travel, powered by Expedia.
To support this rewards program, cardholders are also protected by comprehensive travel insurance, including valuable categories like trip interruption and trip cancellation insurance, hotel burglary insurance, and emergency medical over 65 insurance.
The combined benefits are also boast-worthy, led by the rare no foreign transaction fees perk (which allows you to avoid the 2.5% fee that comes with shopping internationally), followed by concierge services, a handful of airport lounge complimentary access through Dragon Pass, plus an Avis Preferred Plus membership for expedited and exclusive rental car services.
While there are other travel contenders that may have more insurance, point-potential, and a lower annual fee and income requirements (particularly the Scotiabank Gold American Express Card), the Scotiabank Passport Visa Infinite Card has the upper hand simply by coming from the Visa network rather than American Express. Visa cards are more widely-accepted internationally, whereas Amex cards aren't as commonly accepted as payment in certain places within Asia and Europe, limiting its usefulness during travel – which is precisely what we're trying to optimize.
In conclusion, the Scotiabank Passport Visa Infinite Card takes first place as best overall travel credit card because it's extremely well-balanced, widely-accepted, and pleasantly upscale.
Best Credit Cards for Collecting Travel Points
As we break off into more specific travel credit card categories, we’d like to start things off by mentioning the best travel credit cards for collecting points that can later be redeemed at a high value towards eligible travel.
Here are the top contenders to consider:
Our choice for: Overall Best Credit Card in Canada, great at earning points to be used for travelling
APPLY NOW
on American Express' website
Welcome Bonus
Up to 15,000 Membership Rewards® points
Rewards Rate
1x - 5x points
Points
Annual Fee
$155.88⁕
$12.99 Paid Monthly
⁕ For Quebec, $150/year
⁕ IMPORTANT NOTICE: Effective November 5, 2025, the monthly fee for non-Quebec residents will increase to $15.99 per month ($191.88 annually), and the annual fee for Quebec residents will increase to $191.88 per year.
Interest Rates
21.99%* / 21.99%*
This card was voted the Best Credit Card in Canada by FinlyWealth. The rewards earned on this card for a person with average spending exceed those of other credit cards in Canada by a huge margin! In addition, this card has a good benefits coverage, a flexible amex cobalt bonus points redemption program (1:1 transfer to Aeroplan® or Avios), making it the best candidate to become the main credit card for the majority of people.
Pros
- Amex cobalt credit card Points can be transferred to Air Canada Aeroplan® at a 1:1 ratio, making this card a solid Aeroplan® points earner as an alternative to Aeroplan® branded credit cards
- Generous welcome amex cobalt bonus points of up to 15,000
- 4+ different ways of redeeming your points for great value
- 10 different types of insurance, including travel
- Excellent Amex cobalt bonus offers
- Often referred to as the Best Credit Card in Canada
Cons
- Less acceptance of American Express at different merchants across Canada
- Not all types of travel insurance are covered, especially trip cancellation and interruption insurance
Rewards
- 5x points per $1 spent on eligible eats and drinks in Canada, including groceries and food delivery (up to 12,500 points per month)
- 3x points per $1 spent on eligible streaming subscriptions in Canada
- 2x points per $1 spent on eligible gas, transit & ride share in Canada
- 1x point per $1 spent on all other purchases
Insurance
Coverage
Emergency Out of province Medical
15 days, up to $5M (if under age 65)Flight Delay
$500Baggage Delay
$500Hotel Burglary Insurance
$500Lost or Stolen Baggage
$500Travel Accident
$250,000Car Rental Damage & Theft
yes
Mobile Device Insurance
$1,000Purchase Protection
90 daysExtended Warranty
Up to 1 year
Benefits
Details
Amex Experiences™
Access Front Of The Line® Amex Presale & Reserved Tickets to some of your favourite concerts and theatre performances and special offers and events curated for Cardmembers with Amex Experiences™.svg)
Travel Credit
Book two or more consecutive nights at participating properties through The Hotel Collection with American Express Travel to receive a $100 credit for amenities or a complimentary room upgrade, if available.
Eligibility
Credit Score
FairAnnual Income
N/A
**Terms and conditions apply.
If you have 2 separate missed Payments, the applicable rates for your account will be 25.99%. If you have 3 or more separate missed payments, the applicable rates will be 29.99%.
American Express is not responsible for maintaining or monitoring the accuracy of information on this website. If you apply and get approved for an American Express Card, (I/we) may receive compensation from American Express, which can be in the form of monetary payment. Check here for full details and current product information.
It should come as no shock that the American Express Cobalt Card is the leading card in this category. After all, this card is considered to be the best credit card in Canada.
Why? Well, for starters, cardholders can earn heaps of points on common everyday spend categories like dining, groceries, food delivery services, streaming, gas, and transit. These points come in the form of American Express Membership Rewards, which have some of the highest redemption values towards travel categories via transfers to airline partners, a fixed point travel program, and transfers to hotel partners. To see just how many points you can collect with this card, based initially on average spending, check out our Cobalt rewards estimator.
If you happen to travel with Air Canada, then it’s worth mentioning that the Cobalt Card’s American Express Membership Rewards points can be transferred at a 1:1 ratio to Aeroplan – making it a top competitor against Aeroplan branded credit cards.
Aside from the card’s remarkable rewards program, the American Express Cobalt Card also provides some important travel protections like flight and baggage delay, travel accident, and car rental damage and theft insurance.
On top of Amex Experiences, a standard benefit on most American Express credit cards, the Cobalt Card also features a travel credit when you book two or more consecutive nights at participating properties through The Hotel Collection with American Express Travel, applicable towards property amenities or complimentary room upgrades when available.
Ultimately, the American Express Cobalt Card earns its place at the top for collecting travel-redeemable points because it gives cardholders the opportunity to earn plenty of these points on popular spend categories like gas, groceries, dining, and transit, which can later be best redeemed towards travel via transferring them to the Airline Partners and booking flights. Pair that with decent travel coverage and a helpful travel credit, and it’s easy to see why this card is a top travel contender.
Our choice for: Great rewards, travel benefits and no FX fees
APPLY NOW
on Scotiabank's website
Welcome Bonus
Up to 50,000 Scene+ points ($500 value)
Rewards Rate
1x - 6x Scene+ points
Points
Annual Fee
$120 $0
Interest Rates
20.99% / 22.99%
The Scotiabank Gold American Express® Card is one of our favorite cards. It has a very solid rewards program, earning one of the highest rewards among all credit cards in Canada. In addition, it offers comprehensive travel benefits, including the rare and valuable no foreign transaction fee benefit, making it a great and balanced credit card in terms of both rewards and benefits. The first-year annual fee waiver is the cherry on top, providing even greater value to cardholders.
Pros
- No foreign transaction fee saves you 2.5% on all non-CAD purchases.
- Rewards cover all high-spending categories, including food, groceries, entertainment, and gas.
- Comprehensive coverage of all travel insurance.
Cons
- The card network is American Express, which might not be widely accepted in some countries, making it a bit harder to use the no foreign transaction fee benefit.
- Having a lounge pass would have made this card even more perfect, but there is access to a discount code for lounge access pass purchases.
Rewards
- Earn 6x Scene+ points on every $1 you spend at Sobeys, Safeway, Freshco, Foodland and more*
- Earn 5x Scene+ points for every $1 you spend on dining, food delivery and other eligible grocery stores. Includes popular food delivery and food subscriptions.*
- Earn 5x Scene+ points for every $1 you spend in Canada eligible entertainment purposes. Includes movies, theatre and ticket agencies stores.*
- Earn 3x Scene+ points for every $1 CAD you spend in Canada on eligible gas and daily transit options. Includes rideshares, buses, subway, taxis and more*
- Earn 3x Scene+ points for every $1 CAD you spend in Canada on eligible select streaming services*
- 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
Emergency Out of province Medical
$1M, Up to 25 daysEmergency Medical Over 65
$1M, Up to 3 daysTrip Cancellation
$1500/person, $10000/tripTrip Interruption
$1500/person, $10,000/tripLost or Stolen Baggage
$500/person, $1000/tripBaggage Delay
$500/person, $1,000/trip After 4 hoursFlight Delay
$500/personTravel Accident
$500K/person, $1M/occurrenceCar Rental Damage & Theft
$65K up to 48 daysHotel Burglary Insurance
$1000/occurrenceMobile Device Insurance
$1,000Purchase Protection
90 daysExtended Warranty
Up to 1 year
Benefits
Details
No Foreign Transaction Fees
Avoid the 2.5% foreign transaction fees incurred when spending in non $CADAmerican Express® Experiences
Concierge Services
Discount
Discount on PriorityPass Membership
Eligibility
Credit Score
GoodAnnual Income
$12,000 personal or $12,000 household
*†With minimum spend in the 1st year. ◊Conditions apply. See Card Provider's website and Card Application for complete card details, terms and current offers. Terms and conditions apply. See Card Provider's website and Card Application for complete card details, terms and current offers. Reasonable efforts are made to maintain accuracy of information. Check here for full details and current product information.
The Scotiabank Gold American Express Card has a slightly lower annual cost than the Cobalt Card, but it does come with some low income requirements (whereas the Cobalt Cards avoids income requirements altogether).
This card offers up the opportunity to earn more Scene+ points on groceries if you happen to shop at partnered grocers like Sobeys, Freshco, and Foodland. When it comes to dining, both the Scotiabank Gold American Express Card and the Cobalt Card allow you to earn the same amount of points through their respective loyalty programs, the same goes for streaming. That said, the Scotiabank Gold American Express Card earns you more Scene+ points on gas and transit, plus the card adds a couple more earn categories like entertainment and travel – an important feature the Cobalt Card lacks. Still, American Express Membership Reward points tend to be more valuable when redeemed towards travel (as opposed to Scene+ points).
The Scotiabank Gold American Express Card also features more travel insurance, adding emergency medical over 65, and trip interruption and trip cancellation insurance to the mix. Some shared categories, like hotel burglary insurance, travel accident insurance, and emergency out of province medical insurance also offer more coverage through the Scotiabank Gold American Express Card.
While the two Amex cards share Amex Experiences, the Scotiabank Gold American Express Card goes on to add benefits like no foreign transaction fees, concierge services, and a Priority Pass membership discount. Alternatively, the Cobalt Card also adds its hotel-oriented travel credit.
Therefore, if you’re looking for more earn categories (including one that caters specifically to travel), better coverage, and slightly more travel-oriented perks, then the Scotiabank Gold American Express Card might be a better travel contender for you over the Cobalt Card. Otherwise, if you want points with higher travel redemption value and to avoid income requirements altogether, then stick to the Cobalt Card.
Our choice for: Highest rewards on groceries & dining
APPLY NOW
on MBNA's website
Welcome Bonus
Up to 30,000 points ($245 in cash back value or $300 when redeemed for MBNA Travel)††
Rewards Rate
1x - 5x Points
Points
Annual Fee
$120
Interest Rates
19.99%* / 24.99%*
The MBNA Rewards World Elite® Mastercard® is one of the best reward credit cards in Canada, offering high rewards on frequently spent categories such as groceries and restaurant purchases. The annual birthday bonus, unique to this card, also provides a significant boost to your yearly earnings. Additionally, the card features a comprehensive list of benefits, including price protection—a rare and valuable perk not found with many other cards in Canada. These factors make this card one of the best to have in Canada.
Pros
- Both restaurants and groceries earn the most rewards, two of the most commonly spent categories.
- The MBNA rewards world elite Mastercard offers a great annual birthday bonus with up to $150 in value.
- A solid list of travel insurance and benefits.
- Price protection, a rare feature not offered by many other cards.
- Good value for many of the card's redemption options.
Cons
- Trip cancellation and interruption insurance, two great benefits are missing from this card.
- Not the best card for gas purchases.
Rewards
- Earn 5 points‡ for every $1 spent on eligible restaurant, grocery, digital media, membership, and household utility purchases until $50,000 is spent annually in the applicable category.
- 1 point‡ for every $1 on all other eligible purchases.
- Each year, you will receive Birthday Bonus Points‡ equal to 10% of the total number of Points the Account earned in the 12 months before the month of the primary cardholder's birthday, to a maximum Birthday Bonus each year of 15,000 Points.
Insurance
Coverage
Mobile Device Insurance
$1000Purchase Protection
Up to 90 daysExtended Warranty
Up to a yearCar Rental Damage & Theft
31 daysFlight Delay
$500/person after 4 hoursTravel Accident
$1,000,000Emergency Out of province Medical
$2M for 21 daysLost or Stolen Baggage
$1000/personBaggage Delay
$1000/person
Benefits
Details
Annual Birthday Bonus
10% of the Points earned the 12 months prior to the primary cardholder's birthday month (up to a max 15,000 bonus points per year)
Car Rental Discount
10% off base rate of Avis Rent A Car and Budget Rent A Car in Canada and US and 5% internationally
Trip and legal Assistance
Concierge Services
Price Protection
$500/item, $1000/account per year
Eligibility
Credit Score
GoodAnnual Income
$80,000 personal or $150,000 household
**, ††, ‡, ✪, ***, ††††, Terms and Conditions apply.
This offer is not available for residents of Quebec.
Sponsored advertising. MBNA is a division of The Toronto-Dominion Bank (TD) and TD is not responsible for the contents of this site including any editorials or reviews that may appear on this site. For complete information on this MBNA credit card, please click on the “Apply Now” button.
The Toronto-Dominion Bank is the issuer of this credit card. MBNA is a division of The Toronto-Dominion Bank. ®MBNA and other-trademarks are the property of The Toronto-Dominion Bank. Check here for full details and current product information.
For the same annual fee, but much higher annual income requirements, you can always opt for the MBNA Rewards World Elite Mastercard instead.
Compared to the Scotiabank Gold American Express Card, the rewards program is a little more condensed, offering similar rates of MBNA Rewards points on dining and groceries. That said, your grocery purchases can be further optimized with the Scotiabank Gold American Express Card if you shop at partnered retailers. While the Scotiabank Gold American Express Card goes on to add multiple earn categories like entertainment, gas, transit, streaming, and travel, the MBNA Rewards World Elite Mastercard simply includes the same high earn rates on digital media, membership, and household utility purchases. Both reward programs offer a similar redemption value when it comes to travel, so which card will earn you more travel-focused points really comes down to which purchases you prefer and tend to optimize the most.
As for extensive insurance categories, the Scotiabank Gold American Express Card takes the lead with its inclusion of categories like hotel burglary insurance, emergency medical over 65 insurance, and trip interruption and trip cancellation insurance.
When it comes to benefits, the MBNA Rewards World Elite Mastercard is actually more extensive, with perks like concierge services, car rental discounts at Avis and Budget Rent A Car, trip and legal assistance when abroad, an annual birthday bonus of extra points each year, and rare price protection – which allows you to price match items you recently bought when a lower price is implemented soon after.
All in all, the Scotiabank Gold American Express Card offers cardholders more earn categories to collect points that can later be redeemed towards travel and more travel coverage for much lower income requirements. However, if you happen to be a high-earner looking to optimize digital media, membership, and household utility purchases alongside your dining and grocery expenses, plus you want more travel perks like rare price protection coverage, then the MBNA Rewards World Elite Mastercard is a solid travel option (get more info here).
Best Travel Credit Cards for No Foreign Transaction Fees
Earlier on, we briefly mentioned an important perk that’s featured on certain travel credit cards: no foreign transaction fees.
This benefit allows cardholders to avoid the 2.5% charge on international expenses, so they can shop outside of Canada with ease.
If this sounds like something you could use, here are the top credit cards to consider:
Our choice for: Premium Travel Perks and No FX Fees
APPLY NOW
on Scotiabank's website
Welcome Bonus
Up to 45,000 Scene+ points ($450 value)
Rewards Rate
1x - 3x Points
Points
Annual Fee
$150
Interest Rates
20.99% / 22.99%
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.
Pros
- High Rewards on Select Purchases: Earn up to 3 points per $1 spent on select categories.
- No Foreign Transaction Fees: Shop abroad without additional charges.
- Comprehensive Insurance: Includes 11 types of insurance coverage.
- Airport Lounge Access: Enjoy up to 6 airport lounge passes per year through the Visa Airport Companion program.
Cons
- High Income Requirements: Requires $60,000 personal or $100,000 household income.
- Lower Overall Rewards: Rewards potential is lower compared to premium credit cards.
- High Annual Fee: Comes with a significant annual fee.
- Average Insurance Coverage: Insurance benefits are standard, not exceptional.
- Mediocre Earnings Potential: The card’s rewards structure might not offer the highest returns for every spender.
Rewards
- Earn 3x Scene+™ points on every $1 you spend at Sobeys, Safeway, IGA, Foodland and participating Co-ops and moreScotiabank Passport Visa Infinite Review: Benefits & Lounge Access†
- 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
Emergency Out of province Medical
$2M/insured up to 25 daysEmergency Medical Over 65
$2M/insured up to 3 daysTrip Cancellation
$1,500/person, $10,000/tripTrip Interruption
$2,500/person, $10,000/tripFlight Delay
$500/person after 4 hoursLost or Stolen Baggage
$1000Baggage Delay
$1000Travel Accident
$500,000/insured, $1M combinedCar Rental Damage & Theft
$65,000 up to 48 daysHotel Burglary Insurance
$1,000Purchase Protection
90 daysExtended Warranty
1 year
Benefits
Details
No Foreign Transaction Fees
Avoid the usual 2.5% forex fees on your purchases when you travel outside of CanadaAirport Lounge - Dragon Pass
6 Free complimentary visitsStatus lift
Avis® Preferred Plus membershipConcierge Services
Visa Infinite Exclusive Benefits
Eligibility
Credit Score
GoodAnnual Income
$60,000 personal or $100,000 household
**†Terms and conditions apply. See Card Provider's website and Card Application for complete card details, terms and current offers. Reasonable efforts are made to maintain accuracy of information. Check here for full details and current product information.
Back from the best overall category, the Scotiabank Passport Visa Infinite Card is a top contender for no foreign transactions fees.
As previously stated, this card earns you tons of Scene+ points for every dollar spent at partnered grocers like Sobeys, Safeway, Freshco, Foodland and more, followed by plenty of points per dollar spent on other groceries, dining, entertainment, and transit. Of course, you can also earn additional Scene+ points per dollar spent on hotel bookings, car rentals, and arrangements made through Scene+ Travel by Expedia.
The coverage on this card is commendable, with 12 insurance categories that cater primarily to travel, complete with important inclusions like trip interruption and trip cancellation insurance, plus emergency medical over 65 insurance.
In addition to no foreign transaction fees, the Scotiabank Passport Visa Infinite Card adds concierge services, an airport lounge Dragon Pass membership with 6 complimentary visits, plus a status lift to an Avis Preferred Plus membership.
Overall, this card tops the charts in relevant travel categories for its balance of impressive rewards, coverage, and benefits, in this case, no foreign transaction fees.
Our choice for: Great rewards, travel benefits and no FX fees
APPLY NOW
on Scotiabank's website
Welcome Bonus
Up to 50,000 Scene+ points ($500 value)
Rewards Rate
1x - 6x Scene+ points
Points
Annual Fee
$120 $0
Interest Rates
20.99% / 22.99%
The Scotiabank Gold American Express® Card is one of our favorite cards. It has a very solid rewards program, earning one of the highest rewards among all credit cards in Canada. In addition, it offers comprehensive travel benefits, including the rare and valuable no foreign transaction fee benefit, making it a great and balanced credit card in terms of both rewards and benefits. The first-year annual fee waiver is the cherry on top, providing even greater value to cardholders.
Pros
- No foreign transaction fee saves you 2.5% on all non-CAD purchases.
- Rewards cover all high-spending categories, including food, groceries, entertainment, and gas.
- Comprehensive coverage of all travel insurance.
Cons
- The card network is American Express, which might not be widely accepted in some countries, making it a bit harder to use the no foreign transaction fee benefit.
- Having a lounge pass would have made this card even more perfect, but there is access to a discount code for lounge access pass purchases.
Rewards
- Earn 6x Scene+ points on every $1 you spend at Sobeys, Safeway, Freshco, Foodland and more*
- Earn 5x Scene+ points for every $1 you spend on dining, food delivery and other eligible grocery stores. Includes popular food delivery and food subscriptions.*
- Earn 5x Scene+ points for every $1 you spend in Canada eligible entertainment purposes. Includes movies, theatre and ticket agencies stores.*
- Earn 3x Scene+ points for every $1 CAD you spend in Canada on eligible gas and daily transit options. Includes rideshares, buses, subway, taxis and more*
- Earn 3x Scene+ points for every $1 CAD you spend in Canada on eligible select streaming services*
- 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
Emergency Out of province Medical
$1M, Up to 25 daysEmergency Medical Over 65
$1M, Up to 3 daysTrip Cancellation
$1500/person, $10000/tripTrip Interruption
$1500/person, $10,000/tripLost or Stolen Baggage
$500/person, $1000/tripBaggage Delay
$500/person, $1,000/trip After 4 hoursFlight Delay
$500/personTravel Accident
$500K/person, $1M/occurrenceCar Rental Damage & Theft
$65K up to 48 daysHotel Burglary Insurance
$1000/occurrenceMobile Device Insurance
$1,000Purchase Protection
90 daysExtended Warranty
Up to 1 year
Benefits
Details
No Foreign Transaction Fees
Avoid the 2.5% foreign transaction fees incurred when spending in non $CADAmerican Express® Experiences
Concierge Services
Discount
Discount on PriorityPass Membership
Eligibility
Credit Score
GoodAnnual Income
$12,000 personal or $12,000 household
*†With minimum spend in the 1st year. ◊Conditions apply. See Card Provider's website and Card Application for complete card details, terms and current offers. Terms and conditions apply. See Card Provider's website and Card Application for complete card details, terms and current offers. Reasonable efforts are made to maintain accuracy of information. Check here for full details and current product information.
As mentioned in the previous category, on top of its extensive high-earning rewards program and its comprehensive travel coverage, the Scotiabank Gold American Express Card stands out as well for its no foreign transactions fees benefit.
When compared to the Scotiabank Passport Visa Infinite Card, this option costs slightly less annually and comes with lower income requirements.
Like the Scotiabank Passport Visa Infinite Card, the Scotiabank Gold American Express Card earns cardholders Scene+ points on similar spend categories. In fact, with the Scotiabank Gold American Express Card, you’ll earn more points at partnered grocers, plus more points at other eligible grocery stores, restaurants, and on entertainment and transit options, but you’ll still get the same amount of bonus points on every dollar you spend on hotel bookings, car rentals, and arrangements made through Scene+ Travel by Expedia.
Both cards provide nearly the same amount of insurance categories, but the Scotiabank Gold American Express Card adds mobile device insurance. Still, a couple of shared categories have better coverage through the Scotiabank Passport Visa Infinite Card, specifically emergency out of province medical insurance and emergency medical over 65 insurance.
The benefits list on this card isn’t very long, but it consists of some sought-after perks like a discount on a Priority Pass membership (for airport lounge accommodations), concierge services (to help you book your itineraries), and most importantly, no foreign transaction fees (which allows you to avoid the 2.5% fee that can come with shopping internationally). Overall, the Scotiabank Passport Visa Infinite Card has more extensive and exclusive additions like some complementary airport lounge visits through the Dragon Pass, plus a status lift to an Avis Preferred Plus membership.
As you can see then, the Scotiabank Passport Visa Infinite Card might be the better no foreign transaction fees travel card if you meet its higher income requirements and want more benefits alongside no foreign transaction fees, plus some better coverage in a couple of insurance categories. Some cardholders may even consider the Scotiabank Passport Visa Infinite Card to be more widely accepted than the Scotiabank Gold American Express Card, since American Express Cards are less accepted as a form of payment in certain places within Europe, Asia, and through some small-scale retailers. On the other hand, the Scotiabank Gold American Express Card is more affordable, accessible, and has a better rewards program to complement perks like no foreign transaction fees.
Our choice for: Luxury Travel + No FX Fees
APPLY NOW
on Scotiabank's website
Welcome Bonus
Up to 80,000 Scene+ points ($800 value)
Rewards Rate
2x Points
Points
Annual Fee
$399
Interest Rates
9.99% / 9.99%
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
- Low Interest Rate: Offers a competitive interest rate of 9.99%.
- Strong Rewards: Earn 2x Scene+ points on all purchases.
- Airport Lounge Access: Enjoy 10 complimentary lounge visits, including Plaza Premium Lounges, through Priority Pass (membership required).
- Comprehensive Travel Insurance: Includes extensive coverage for travel-related needs.
- Flexible Travel Rewards: Points can be redeemed for travel bookings with any provider.
- No Foreign Transaction Fees: Shop internationally without extra charges.
Cons
- High Annual Fee: The annual fee is steep compared to similar cards offering similar perks.
- Limited Premium Perks: Lacks top-tier travel benefits like free checked baggage and priority boarding.
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
Insurance
Coverage
Emergency Out of province Medical
$2M, Up to 31 daysEmergency Medical Over 65
$2M, Up to 10 daysTrip Cancellation
$2500/person, $10000/tripLost or Stolen Baggage
$500/person, $1000/tripTrip Interruption
$5000/person, $25000/tripBaggage Delay
$1000 After 4 hoursFlight Delay
$1000/personTravel Accident
$500K/person, $1M/occurrenceCar Rental Damage & Theft
$65K up to 48 daysHotel Burglary Insurance
$1000/occurrenceMobile Device Insurance
$1000Purchase Protection
120 daysExtended 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)American Express® Experiences
Concierge Services
Discount
Discount on PriorityPass MembershipStatus 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
GoodAnnual Income
$12,000 personal or $12,000 household
*See Card Provider's website and Card Application for complete card details, terms and current offers. Reasonable efforts are made to maintain accuracy of information. Check here for full details and current product information.
Another Scotiabank credit card that boasts no foreign transaction fees is the Scotiabank Platinum American Express Card.
While the income requirements on this card are similar to those of the Scotiabank Gold American Express Card, the annual fee is substantially higher, even higher than the Scotiabank Passport Visa Infinite Card. Let’s break down why that is…
You wouldn’t necessarily understand the price jump by the rewards program alone, since it’s the least extensive of the three cards in this section, offering a flat-rate of Scene+ points for every dollar spent on all eligible purchases, plus the same bonus points on hotel bookings, car rentals, and arrangement made with Scene+ Travel.
Because of the Scotiabank Platinum American Express Card’s addition of mobile device coverage, its insurance is slightly more extensive and in some cases more comprehensive than the Scotiabank Passport Visa Infinite Card, but it offers the same categories as the Scotiabank Gold American Express Card. However, in this case as well, certain categories are also more comprehensive by comparison (like trip interruption and trip cancellation insurance, flight delay insurance, and emergency medical insurances).
It becomes most clear why the Scotiabank Platinum American Express is pricier than its no-foreign-transaction-fee competitors when you compare benefits. On top of no foreign transaction fees and concierge services, the Scotiabank Platinum American Express Card adds a Hertz #1 Gold Club Member status lift, a discount on a Priority Pass Membership, plus a ton of complimentary visits in combination with Plaza Premium lounges. Airport lounge access alone is enough to boost a card to premium pricing.
So, if you’re looking for a no-foreign-transaction-fee card with luxury add-ons like complimentary airport lounge access and more travel perks in general, plus more comprehensive travel insurance, then the Scotiabank Platinum American Express Card could be your go-to. However, if you want to avoid the lower acceptance rates of Amex, and have more earning opportunities with Scene+, you might want to stick to the Scotiabank Passport American Express Card.
Best Luxury Travel Credit Cards
We tapped into a bit of luxury travel in the previous section and now it’s time to explore this category even further.
Below you’ll find the best luxury travel credit cards on the Canadian market.
Our choice for: Travel Perks, Luxurious Travel, and Unlimited Lounge Access
APPLY NOW
on American Express' website
Welcome Bonus
Earn up to 100,000 Membership Rewards® points
Rewards Rate
1x - 2x Points
Points
Annual Fee
$799
Interest Rates
21.99% - 30%* / N/A*
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.
Pros
- Offers more perks than any other credit card in Canada, catering to premium users who value extensive benefits.
- Enjoy $400 in annual travel and dining credits, which can offset some of the card's cost.
- Gain unlimited access to over 1,400 airport lounges worldwide, enhancing your travel experience.
- Multiple options for redeeming points for high value, giving you flexibility in how you use your rewards.
- Includes 11 types of insurance coverage, offering comprehensive protection for cardholders.
- It's a metal card, who doesn't love a metal credit card?
Cons
- As with other American Express cards, it may have lower acceptance in some locations compared to other networks.
- The high annual fee of $799 may be a barrier for some users, especially those who do not fully utilize the card's benefits.
- Some benefits are limited to specific airports and hotels.
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
Emergency Out of province Medical
15 daysTrip Cancellation
$2,500Trip Interruption
$2,500Flight Delay
$1,000Baggage Delay
$1,000Hotel Burglary Insurance
$1000Lost or Stolen Baggage
$1,000Travel Accident
$500,000Car Rental Damage & Theft
YesPurchase Protection
120 daysExtended Warranty
1 year
Benefits
Details
Airport Lounge - American Express Global Lounge
Take full advantage of The American Express Global Lounge Collection™ 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.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 + ResortsStatus lift
Upgrade to Hilton Honors Gold StatusStatus 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 parkConcierge 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
FairAnnual Income
N/A
**Terms and conditions apply.
This Charge Card requires full payment of the Due in Full balance each month, with a 30% interest rate on late payments. The Flexible Payment Option balance has a 21.99% interest rate, which increases to 25.99% after two missed payments and 28.99% after three or more within 12 months. A 21-day interest-free grace period applies to new transactions if the full balance is paid by the due date.
American Express is not responsible for maintaining or monitoring the accuracy of information on this website. If you apply and get approved for an American Express Card, (I/we) may receive compensation from American Express, which can be in the form of monetary payment. Check here for full details and current product information.
If you’re looking for the most premium perks packed inside of a credit card, consider the American Express Platinum Card.
For travel benefits, with the American Express Platinum Card, the opportunities are endless. To start, indulge in unlimited complimentary access to the American Express Global Lounge Collection – complete with over 1,400 lounges globally. You can also take advantage of an annual travel credit applicable towards flights, hotel stays, rental cars, and vacation bookings. Need more? Get updated to Hilton Honors Gold Status, or Marriott Bonvoy Gold Elite Status to make your hotel stays even more upscale. The list goes on with Priority Travel perks at Pearson airport, a Nexus Program rebate, trip and legal assistance, and concierge services.
As you’ve probably gathered, the American Express Platinum Card is a perks-oriented premium travel card, so the rewards program isn’t exactly its selling point. Still, cardholders earn decent points per dollar spent on eligible dining, food delivery, and travel purchases.
To back-up the benefits, this top-tier card’s coverage is also pretty extensive, offering valuable insurance inclusions like trip interruption and trip cancellation insurance, flight and baggage delay insurance, and car rental damage and theft insurance.
While there are no income requirements on this card, there is an extremely high annual cost – but this cost can be offset if you intend on taking full advantage of all the perks provided.
Thus, if you’re leaning towards a travel card stacked with luxury perks, the best option is the American Express Platinum Card with tons of premium travel-oriented benefits – especially the unlimited airport lounge access.
APPLY NOW
on American Express' website
Welcome Bonus
Earn up to 60,000 Membership Rewards® points
Rewards Rate
1x - 2x Points
Points
Annual Fee
$250
Interest Rates
21.99%* / 21.99%*
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
- Flexible Rewards: Enjoy flexible Membership Rewards point conversion with up to 2 points per $1 spent.
- Travel Perks: Includes $100 annual travel credit and 4 free passes to Plaza Premium lounges in Canada.
- Comprehensive Insurance: Comes with 11 types of insurance coverage.
- Multiple Redemption Options: Offers 4 ways to redeem points for maximum value.
Cons
- High Annual Fee: The card comes with a $250 annual fee.
- Foreign Transaction Fees: A 2.5% fee applies to foreign transactions.
- Limited Travel Insurance for Seniors: No travel medical insurance coverage for those over 65.
- Lower Acceptance: As an American Express card, it may have lower acceptance compared to Visa or Mastercard.
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
Emergency Out of province Medical
15 daysTrip Cancellation
$1,500 per person, $3,000 combinedTrip Interruption
$1,500 per person, $6,000 combinedFlight Delay
$500Baggage Delay
$500Hotel Burglary Insurance
$500Lost or Stolen Baggage
$500Travel Accident
$500,000Car Rental Damage & Theft
yesPurchase Protection
90 daysExtended Warranty
Up to 1 year
Benefits
Details
Travel Credit
$100Nexus Program Rebate
$50 statement credit every 4 yearsAirport Lounge - Priority Pass
Pass only. No Complimentary visits!Airport Lounge - Plaza Premium
4 Free complimentary visitsComplimentary Hotel Benefits
Hotels booked American Express TravelStatus lift
Hertz Gold Plus Rewards® loyalty programAmerican Express® Experiences
Extra points
Earn 2 points on Amex Travel Online purchases and extra points on American Express offers
Eligibility
Credit Score
FairAnnual Income
N/A
**Terms and conditions apply.
Subject to approval. The preferred rate for purchases is 21.99% and funds advances is 21.99%. If you have Missed Payments, the applicable rates for your account will be 25.99% and/or 29.99%. See the information box included with the application for the definition of Missed Payment and which rates apply to charges on your account and other details.
American Express is not responsible for maintaining or monitoring the accuracy of information on this website. If you apply and get approved for an American Express Card, (I/we) may receive compensation from American Express, which can be in the form of monetary payment. Check here for full details and current product information.
You can substantially lower your Amex premium travel credit card’s annual cost by opting for a card like the American Express Gold Rewards Card instead. Just keep in mind that when you cut down in cost, you also cut down in perks.
The American Express Gold Rewards Card shares benefits like an annual travel credit (although lower in value), a Nexus Program rebate (although also lower in value), complimentary American Express Travel hotel benefits, extra points on Amex Travel Online purchases and American Express offers, and Amex Experiences as the American Express Platinum Card. Beyond that, the American Express Gold Rewards Card adds a Hertz Gold Plus Rewards status lift, plus a Priority Pass membership with complimentary visits through Plaza Premium lounges. Still, the American Express Platinum Card features way more benefits and better perks in cases like airport lounge access since the complimentary visits are both unlimited and applicable to a larger network of lounges.
The rewards program on the American Express Gold Rewards Card is similarly simple as well, with decent points per dollar spent on gas, groceries, travel, and drugstore purchases. Compared to the American Express Platinum Card, the rate of American Express Membership Rewards points you’ll receive on shared earn categories like travel are the same, but where the American Express Gold Rewards Card optimizes gas, groceries, and drugstore purchases, the American Express Platinum Card optimizes dining. So, deciding which is best in terms of rewards might come down to whether you want to earn points on popular everyday spend categories (like gas and groceries) and travel, or more expensive spend categories (like dining) and travel.
Both luxury cards offer the same insurance categories, but the American Express Platinum Card has better coverage in most shared categories.
Overall, if you want to spend more annually for more travel perks and better insurance coverage, then you may want to keep your eye on the American Express Platinum Card. Otherwise, the American Express Gold Rewards Card is a great luxury alternative for a lower annual fee, uncomplicated points on everyday spend categories, and still some complimentary airport lounge access.
Our choice for: Best premium card for Air Canada frequent travellers
APPLY NOW
on American Express' website
Welcome Bonus
Earn up to 85,000 Aeroplan points
Rewards Rate
1.25x - 3x Aeroplan® points
Points
Annual Fee
$599
Interest Rates
21.99%* / 21.99%*
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 I 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
- Generous rewards rate with up to 3 Aeroplan points per $1 spent on purchases, particularly beneficial for frequent flyers.
- Enjoy free checked bags when flying with Air Canada, reducing travel costs.
- Access to preferred pricing on Aeroplan flight awards, maximizing the value of your points.
- Unlimited access to Maple Leaf lounges when flying with Air Canada, providing a more comfortable travel experience.
- Extensive insurance coverage, including 11 types of insurance, offering peace of mind during your travels.
Cons
- As an American Express card, it may have limited acceptance compared to other credit cards, potentially limiting its use in some places.
- The most valuable rewards are generally tied to Air Canada flights, which may not appeal to travelers who fly with other airlines.
- The card comes with a high annual fee of $599, which may be a consideration for budget-conscious users.
- The unlimited lounge access is limited to Maple Leaf Lounges and Air Canada Cafe lounges which don't have a great worldwide coverage.
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
Emergency Out of province Medical
$5M/insured up to 15 daysTrip Cancellation
$1.5K/person, $3K/tripTrip Interruption
$1.5K/person, $6K/tripFlight Delay
$1,000/person after 4 hoursBaggage Delay
$1K/person after 6 hoursLost or Stolen Baggage
$1KTravel Accident
$500,000Car Rental Damage & Theft
$85K Up to 48 consecutive rental daysHotel Burglary Insurance
$1000Purchase Protection
90 daysExtended Warranty
1 years
Benefits
Details
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Free first checked bag
First checked bag is free for primary cardholder on Air Canada branded flight and up to 8 guestsNexus Program Rebate
$100 every 4 yearsAmex Experiences™
Amex Experiences™ opens doors for you to access a number of special events, including special dining experiences, VIP parties, advance film screenings and moreExtra points
Earn points twice at over 150 Aeroplan partner brands and over 170 online retailers through the Aeroplan eStoreStatus 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 purchasesStatus lift
Complimentary upgrade to Avis® President's ClubStatus 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.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
GoodAnnual Income
N/A
**Terms and conditions apply.
If you have 2 separate missed Payments, the applicable rates for your account will be 25.99%. If you have 3 or more separate missed payments, the applicable rates will be 29.99%.
American Express is not responsible for maintaining or monitoring the accuracy of information on this website. If you apply and get approved for an American Express Card, (I/we) may receive compensation from American Express, which can be in the form of monetary payment. Check here for full details and current product information.
If you can afford to up the annual fee and you tend to travel with Air Canada, then the American Express Aeroplan Reserve Card is a great luxury travel credit card contender.
Compared to the American Express Gold Rewards Card, the American Express Aeroplan Reserve Card earns you more travel-oriented Air Canada Aeroplan points – but specifically on eligible Air Canada and Air Canada Vacations purchases. Instead of gas, groceries, and drugstore purchases, with the American Express Aeroplan Reserve Card, you’ll earn decent points on dining and food delivery purchases. The overall base rate on the American Express Aeroplan Reserve Card is also higher than the base rate of American Express Membership Rewards points through the American Express Gold Rewards Card.
As far as travel redemptions go, both cards offer the same point values towards travel with either airline partners (for the American Express Gold Rewards Card) or Aeroplan flights (for the American Express Aeroplan Reserve Card). All things considered, the American Express Gold Rewards Card might offer a bit more partner airline flexibility.
The insurance categories between these two cards are also the same, but overall, the American Express Aeroplan Reserve Card has better coverage across most categories – which is to be expected given its higher annual fee.
Likewise, the American Express Aeroplan Reserve Card has more travel benefits, with tons of status lifts, extra Aeroplan point opportunities, Priority Travel perks, free first checked bags, an annual companion voucher, free extra nights at hotels for every 3-night stay, a Priority Pass membership, a Nexus Program rebate, and unlimited complimentary access for cardholders and a guest to Maple Leaf lounges and AirCanada Cafes. As you can see, the perks on the American Express Aeroplan Reserve Card are much more substantial and extensive when compared to the American Express Gold Rewards Card – with better opportunities like more complimentary airport lounge access.
In conclusion, if you’re a high-spending frequent Air Canada traveller, the most premium option for you is the American Express Aeroplan Reserve Card with its Air-Canada-oriented rewards program, comprehensive travel coverage, and extensive and exclusive benefits. Alternatively, if you don’t want to commit fully to Air Canada and you want to spend less annually, the American Express Gold Rewards Card is still a luxurious option.
Our choice for: Luxury Travel + No FX Fees
APPLY NOW
on Scotiabank's website
Welcome Bonus
Up to 80,000 Scene+ points ($800 value)
Rewards Rate
2x Points
Points
Annual Fee
$399
Interest Rates
9.99% / 9.99%
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
- Low Interest Rate: Offers a competitive interest rate of 9.99%.
- Strong Rewards: Earn 2x Scene+ points on all purchases.
- Airport Lounge Access: Enjoy 10 complimentary lounge visits, including Plaza Premium Lounges, through Priority Pass (membership required).
- Comprehensive Travel Insurance: Includes extensive coverage for travel-related needs.
- Flexible Travel Rewards: Points can be redeemed for travel bookings with any provider.
- No Foreign Transaction Fees: Shop internationally without extra charges.
Cons
- High Annual Fee: The annual fee is steep compared to similar cards offering similar perks.
- Limited Premium Perks: Lacks top-tier travel benefits like free checked baggage and priority boarding.
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
Insurance
Coverage
Emergency Out of province Medical
$2M, Up to 31 daysEmergency Medical Over 65
$2M, Up to 10 daysTrip Cancellation
$2500/person, $10000/tripLost or Stolen Baggage
$500/person, $1000/tripTrip Interruption
$5000/person, $25000/tripBaggage Delay
$1000 After 4 hoursFlight Delay
$1000/personTravel Accident
$500K/person, $1M/occurrenceCar Rental Damage & Theft
$65K up to 48 daysHotel Burglary Insurance
$1000/occurrenceMobile Device Insurance
$1000Purchase Protection
120 daysExtended 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)American Express® Experiences
Concierge Services
Discount
Discount on PriorityPass MembershipStatus lift
Hertz #1 Club Gold MemberExtra 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
GoodAnnual Income
$12,000 personal or $12,000 household
*See Card Provider's website and Card Application for complete card details, terms and current offers. Reasonable efforts are made to maintain accuracy of information. Check here for full details and current product information.
Maybe Scene+ is your rewards program of choice. If so, consider the Scotiabank Platinum American Express Card once more.
In addition to a flat-rate rewards program that also offers bonus points on Scene+ Travel, you’ll also receive that Hertz #1 Club Gold Member status lift, no foreign transaction fees, concierge services, a discount on a Priority Pass membership, plus tons of complimentary visits provided by both Priority Pass and Plaza Premium lounges (which of course isn’t unlimited like the lounge access provided by the American Express Aeroplan Reserve Card, but still nonetheless impressive for the annual price).
Surprisingly, the Scotiabank Platinum American Express Card also has better insurance coverage when it comes to categories like trip interruption and trip cancellation insurance. This card also adds a couple more coverage categories, specifically mobile device insurance and emergency medical over 65 insurance.
Sure, the Scotiabank Platinum American Express Card comes with some income requirements, but these are very minimal.
At the end of the day, if you’re not totally committed to Air Canada or an extremely high annual cost, the Scotiabank Platinum American Express Card is yet another more flexible premium option with more travel coverage than the American Express Aeroplan Reserve Card.
Our choice for: Premium Avion Card with complimentary lounge passes
APPLY NOW
on RBC's website
Welcome Bonus
Up to 70,000 Avion points*
Rewards Rate
1.25x points
Points
Annual Fee
$399
Interest Rates
20.99% / 22.99%□
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
- High-value points when redeemed via the Air Travel Redemption chart, with up to 2.33 cents per point.
- Extensive insurance coverage including emergency medical, trip cancellation, and mobile device insurance.
- Access to airport perks, including fast-track security and lounge access.
- Flexible rewards that can be transferred to airline partners like British Airways and Cathay Pacific.
Cons
- High annual fee of $399.
- Requires a high personal or household income of $200,000 to qualify.
- Only 1.25 points per $1 spent on all purchases, which is lower compared to other premium cards.
- Limited redemption value outside of the Air Travel Redemption chart.
Rewards
- 1.25x Avion points per $1 spent on all eligible purchases
Insurance
Coverage
Purchase Protection
120 daysExtended Warranty
Up to 2 yearsMobile Device Insurance
$1,500Travel Accident
$500,000Emergency Out of province Medical
31 daysEmergency Medical Over 65
7 daysTrip Interruption
$5,000Trip Cancellation
$2,500Hotel Burglary Insurance
$3,000Baggage Delay
$750Lost or Stolen Baggage
$2,500Flight Delay
$1,000Car Rental Damage & Theft
yes
Benefits
Details
Airport Lounge - Dragon Pass
Visa Airport Companion membership + 6 complimentary airport lounge visits per year.svg)
Gas Discount
save 3¢/L on fuel and always earn 20% more Petro-Points at Petro-Canada and 20% more Avion points at Petro-CanadaExtra points
50 Be Well points for every $1 spent on eligible products at RexallConcierge 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 airportsVisa Infinite Exclusive Benefits
Dining series and Visa Infinite Luxury Hotel Collection offers with benefits like late check out and upgrades
Eligibility
Credit Score
GoodAnnual Income
$200,000 personal or $200,000 household
** This offer only applies to new applications for an RBC Avion Visa Infinite Privilege credit card approved by Royal Bank of Canada (“Royal Bank”) subject to the conditions below. Additional cardholders(s) (co-applicant and authorized user(s)) on the RBC Avion Visa Infinite Privilege credit card account, as well as existing cardholders on any RBC Royal Bank personal credit card account transferring to an RBC Avion Visa Infinite Privilege credit card account during the Offer Period, are not eligible for the offer.
Refer to RBC page for up to date offer terms and conditions. The Website may engage in affiliate marketing, which is done by embedding tracking links into The Website. If you click on a link for an affiliate partnership, a cookie will be placed on your browser to track any sales for purposes of commissions. Check here for full details and current product information.
For the same annual fee as the Scotiabank Platinum American Express Card, you can also opt for the RBC Avion Visa Infinite Privilege Card. Except, bear in mind that this option has very high income requirements and is intended for especially high earners.
The RBC Avion Visa Infinite Privilege Card also sports a flat-rate rewards program. Unlike the Scotiabank Platinum American Express Card though, there’s no bonus travel earn category, which is a bit of a bummer.
Nevertheless, when you transfer your RBC Avion points towards participating airline partners, your points are worth even more towards travel than they would be with the Scotiabank Platinum American Express Card.
Regarding coverage, both cards offer the same insurance categories and coverage amounts per category are pretty similar.
Now on to benefits, while the Scotiabank Platinum American Express Card focuses more on perks like no foreign transaction fees, a discount on Priority Pass and Plaza Premium lounge access, the RBC Avion Visa Infinite Privilege Card includes gas discounts and more Petro-Points and Avion points at Petro Canada, Priority Travel perks at select Canadian airports, and a Dragon Pass airport lounge membership with some complimentary visits – although not as many as the Scotiabank Platinum American Express Card through the Priority Pass.
Therefore, the RBC Avion Visa Infinite Privilege Card is a good option if you’re a high-earner looking for an uncomplicated premium travel card that offers high-value points towards airline partners and helpful travel perks and coverage. Since it’s not an Amex credit card, it also might be more widely accepted around the world. However, if you don’t meet the RBC Avion Visa Infinite Privilege Card’s high income requirements and you want a travel optimization earning opportunity, no foreign transaction fees, or more complimentary airport lounge visits, then the Scotiabank Platinum American Express Card is still superior.
APPLY NOW
on CIBC's website
Welcome Bonus
Up to 85,000 Aeroplan® points
Rewards Rate
1.25x - 2x Aeroplan® points
Points
Annual Fee
$599
Interest Rates
20.99% / 22.99%□
The CIBC Aeroplan Visa Infinite Privilege Card is ideal for frequent Air Canada flyers who want to maximize their Aeroplan points and enjoy premium travel perks. With 2 points per $1 spent on Air Canada purchases and free checked baggage on every flight, this card offers significant value for those who travel often. Additionally, the extensive travel insurance and unlimited Maple Leaf lounge access make it a solid choice for high-income individuals looking for convenience and protection during their travels. However, the high annual fee and income requirements mean it's best suited for those who can take full advantage of its Air Canada-specific benefits.
Pros
- Earn up to 2 points per $1 on Air Canada purchases, and 1.5 points per $1 on gas, groceries, dining, and travel.
- Air Canada perks: Includes free checked bags, priority check-in, boarding, and Maple Leaf lounge access.
- Unlimited lounge access: Enjoy unlimited Maple Leaf lounge visits when flying Air Canada.
- Comprehensive insurance: Offers extensive travel and purchase protection, including trip cancellation and mobile device insurance.
Cons
- High annual fee: The card has a steep $599 annual fee.
- Strict income requirements: Requires a personal income of $150,000 or household income of $200,000 to qualify.
- Limited reward value: Best value is achieved only when redeeming for Air Canada flights, making it less versatile for non-Air Canada redemptions.
Rewards
- 2 Aeroplan® points per $1 spent on Air Canada and Air Canada Vacations if they are in the first $100k transactions of the year
- 1.5 Aeroplan® points per $1 spent on gas, groceries, travel and dining if they are in the first $100k transactions of the year
- 1.25 Aeroplan® point per $1 spent on all other purchases
Insurance
Coverage
Travel Accident
$500,000Emergency Out of province Medical
31 daysEmergency Medical Over 65
10 daysFlight Delay
$1,000Baggage Delay
$1,000Trip Cancellation
$2,500Trip Interruption
$5,000Lost or Stolen Baggage
$1,000Hotel Burglary Insurance
$2,500Purchase Protection
180 daysExtended Warranty
Up to 2 yearsCar Rental Damage & Theft
yesMobile Device Insurance
$1,500
Benefits
Details
Airport Lounge - Maple Leaf and AirCanada Cafes
Access select Maple Leaf Lounges™ and Air Canada Cafés™, plus get 6 complimentary lounge visits per year per cardholder through Visa Airport Companion ProgramGas Discount
save up to 10¢/L on fuel at participating Pioneer, Fas Gas, Ultramar and Chevron gas stationsCar Rental Discount
Get up to 25% off auto rentals at participating Avis and Budget locations worldwide.Visa Infinite Exclusive Benefits
Exclusive offersStatus lift
Reach Aeroplan Elite™ Status sooner by earning Status Qualifying Miles and Status Qualifying Segments with purchases made on your accountStatus lift
Complimentary upgrade to Avis® President's ClubCompanion Voucher
Receive an Annual Worldwide Companion Pass from $99 to a max of $599 (plus taxes, fees, charges and surcharges) when you spend $25,000 on your cardPriority Travel
Priority Check-in, Priority Boarding and Priority Baggage Handling for you, your authorized users and up to 8 companions on the same flightFree first checked bag
Enjoy a free first checked bag for you, authorized users and up to 8 companions every time you fly with Air Canada
Eligibility
Credit Score
Very GoodAnnual Income
$150,000 personal or $200,000 household
Back to Air Canada luxury, the CIBC Aeroplan Visa Infinite Privilege Card is more expensive annually than the RBC Avion Visa Infinite Privilege Card, but you can receive it with a slightly lower personal annual income.
Unlike the RBC Avion Visa Infinite Privilege Card, the CIBC Aeroplan Visa Infinite Privilege Card’s rewards program is more complex, offering cardholders Aeroplan points per dollar spent on Air Canada Vacations, gas, groceries, travel, and dining rather than a simple flat rate. The base rate on the CIBC Aeroplan Visa Infinite Privilege Card is also the same as the RBC Avion Visa Infinite Privilege Card’s flat rate on all eligible purchases.
When you redeem your Aeroplan points towards Aeroplan flights, they’re also worth more than redeeming RBC Avion points towards airline partner transfers. The general travel redemption category for Aeroplan points also offers more point value than the general travel redemption category for RBC Avion points.
Overall, the insurance between the two cards is similar, give or take some coverage in a couple of shared categories.
As for benefits, both cards comes with Visa Infinite Exclusive Benefits, gas discounts, and Priority Travel perks, but the CIBC Aeroplan Visa Infinite Privilege Card goes on to add more perks than the RBC Avion Visa Infinite Privilege Card like car rental discounts at Avis and Budget locations, an annual companion voucher, an expedited chance at reaching Aeroplan Elite Status, a complimentary upgrade to Avis President’s club, free first checked bags for cardholders and up to 8 travel companions when flying with Air Canada, plus complimentary access to select Maple Leaf Lounges each year.
In summary, the CIBC Aeroplan Visa Infinite Privilege Card is a great premium travel option if you can afford the high annual cost. This cost accounts for more earn categories, higher point values, and more travel perks – but you will want to make sure you're a loyal Air Canada traveller to reap all of the benefits. Otherwise, cards like the RBC Avion Visa Infinite Privilege Card have a lower cost, more flexible travel redemptions, and still some premium perks – as long as you meet some high income requirements.
APPLY NOW
on BMO's website
Welcome Bonus
Up to 120,000 points
Rewards Rate
1x - 5x points
Points
Annual Fee
$599
Interest Rates
21.99% / 23.99%□
The BMO Eclipse Visa Infinite Privilege Card is ideal for those who want to maximize rewards on essential categories like travel, dining, groceries, and gas, while enjoying premium benefits. With a generous welcome bonus, lifestyle credit, and comprehensive insurance, this card is designed for frequent travelers who are willing to pay for luxury perks like lounge access and exclusive Visa Infinite privileges. The 25% rewards boost for authorized users adds further value for families or couples who want to rack up points faster.
Pros
- Generous rewards: Earn 5x points on travel, dining, groceries, gas, and drugstore purchases.
- $200 lifestyle credit: Annual credit that can be used on any purchase over $200.
- 25% bonus points with authorized user: Adding an authorized user increases your rewards by 25%.
- Comprehensive insurance: Includes 12 types of coverage, including emergency medical and trip interruption insurance.
- 6 lounge visits: Complimentary Priority Pass membership with 6 free airport lounge visits annually.
Cons
- High annual fee: The card has a steep $599 annual fee, which is not waived in the first year.
- High income requirements: Requires $150,000 personal or $200,000 household income, limiting eligibility.
- Low point value: Points are valued at only 0.67 cents, reducing their overall worth.
Rewards
- 5x points per $1 spent on grocery, dining, gas, drugstore and travel related purchases (maximum 125,000 points on dining, 125,000 points on travel, 100,000 points on groceries, 75,000 points on gas, and 75,000 points on drugstore)
- 1x point per $1 spent on all other eligible purchases
Insurance
Coverage
Purchase Protection
120 daysExtended Warranty
triples up to 2 yearsEmergency Out of province Medical
$5M up to 22 days/personEmergency Medical Over 65
$5M up to 3 days/personTravel Accident
$500,000/personTrip Interruption
$5,000/person, $25,000 tripTrip Cancellation
$2,500/person, $5,000 tripFlight Delay
$1,000Baggage Delay
$500/person, $1K/tripLost or Stolen Baggage
$1,000/person, $2,500/tripHotel Burglary Insurance
$2,500Car Rental Damage & Theft
$85,000 up to 48 daysMobile Device Insurance
$1,000
Benefits
Details
Airport Lounge - Dragon Pass
Visa Airport Companion membership and 6 complimentary airport lounge visits per year
Anniversary Credit
$200 anniversary lifestyle creditExtra points
Earn 25% more points on all purchases when you add an authorized user to your accountConcierge Services
Visa Infinite Privilege Concierge like having a personal assistant on speed dialVisa Infinite Exclusive Benefits
Visa Infinite luxury hotel collection, dining series and wine country
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.SPriority Travel
Priority Security Lane, airport parking and valet service discounts at select Canadian airportsGas Discount
Up to 7 cents off per litre on Shell® fuel if you are an AirMiles collector
Eligibility
Credit Score
Very GoodAnnual Income
$150,000 personal or $200,000 household
*BMO is not responsible for maintaining the content on this site. Please click on the Apply now link for the most up to date information. Check here for full details and current product information.
For a slightly lower annual fee and similar income requirements, the BMO eclipse Visa Infinite Privilege Card is yet another luxury travel credit card contender.
Unlike most premium cards we’ve seen thus far, the BMO eclipse Visa Infinite Privilege Card offers a strong rewards program, earning cardholders tons of points on popular everyday earn categories like groceries, gas, drugstore purchases, and travel-related purchases. That's plenty more points on travel, gas, groceries, and dining than we’ve seen with the CIBC Aeroplan Visa Infinite Privilege Card. Keep in mind, however, that the BMO eclipse Visa Infinite Privilege Card’s earn categories come with point caps. When these caps are met, cardholders become subject to a standard base rate, one that’s slightly lower than the base rate on the CIBC Aeroplan Visa Infinite Privilege Card.
When redeeming your BMO Rewards, you’ll also want to note that BMO Rewards, while more flexible than Air Canada Aeroplan points, are less valuable when redeemed towards travel.
The two cards offer similar insurance coverages, but when it comes to benefits, the CIBC Aeroplan Visa Infinite Privilege Card is slightly more perk-heavy. Still, the BMO eclipse Visa Infinite Privilege Card comes with Dragon Pass privileges through a Visa Airport Companion membership and some complimentary visits to participating lounges. Not to mention its own Priority Travel perks at select Canadian airports, and a unique anniversary lifestyle credit that can be used towards any expense, including travel.
Overall, if you don’t want to be tied down to travelling with Air Canada, you want more point-potential, and a unique and valuable anniversary credit to apply towards your next trip, alongside Dragon Pass airport lounge access, then the BMO eclipse Visa Infinite Privilege Card is worth applying for. Otherwise, you can get more perks and more valuable travel-redeemable points with the CIBC Aeroplan Visa Infinite Privilege Card – for a higher annual cost and an Air Canada commitment of course.
APPLY NOW
on CIBC's website
Welcome Bonus
Up to 80,000 Aventura points
Rewards Rate
1x - 3x points
Points
Annual Fee
$499
Interest Rates
20.99% / 22.99%□
The CIBC Aventura Visa Infinite Privilege Card offers a well-rounded suite of travel benefits, making it ideal for frequent travelers. The annual $200 travel credit, complimentary lounge access, and comprehensive insurance package ensure you’re covered for both convenience and protection. Plus, the ability to earn up to 3 points per dollar spent and redeem them at high values for flights makes this card an excellent choice for those who value travel rewards. However, it comes with a high annual fee and income requirements, so it's best suited for those who can fully take advantage of its perks.
Pros
- Generous rewards: Earn up to 3 points per $1 spent on travel and 2 points per $1 on gas, groceries, restaurants, and more.
- Valuable travel perks: Includes an annual $200 travel credit, 6 complimentary airport lounge passes, and discounts at Avis and Budget car rentals.
- High point value: Points are worth up to 2.29 cents each when redeemed for flights.
- Comprehensive insurance: Offers 12 types of insurance, including mobile device protection and emergency medical coverage.
Cons
- High annual fee: A $499 annual fee makes this a more expensive option.
- Strict income requirements: Requires a personal income of $150,000 or household income of $200,000 to qualify.
Rewards
- 3 points per $1 spent on travel purchased through the CIBC Rewards Center
- 2 points per $1 spent on dining, entertainment, gas, transportation, and groceries if they are in the first $200k transactions of the year
- 1 point per $1 spent on all other purchases
Insurance
Coverage
Travel Accident
$500,000Emergency Out of province Medical
31 daysEmergency Medical Over 65
10 daysFlight Delay
$500Baggage Delay
$500Trip Cancellation
$2,500Trip Interruption
$5,000Lost or Stolen Baggage
$1,000Hotel Burglary Insurance
$2,500Purchase Protection
180 daysExtended Warranty
Up to 2 yearsCar Rental Damage & Theft
up to car value of $65kMobile Device Insurance
$1,500
Benefits
Details
Airport Lounge - Dragon Pass
Airport lounges Visa Airport Companion Program managed by DragonPass International + 6 Free complimentary visitsGas Discount
save up to 10¢/L on fuel at participating Pioneer, Fas Gas, Ultramar and Chevron gas stationsCar Rental Discount
Get up to 25% off auto rentals at participating Avis and Budget locations worldwide.Nexus Program Rebate
Up to $100 statement credit for Nexus Application fee every 4 yearsVisa Infinite Exclusive Benefits
Exclusive offersTravel Credit
Annual $200 travel credit to use at the CIBC Rewards Center
Eligibility
Credit Score
Very GoodAnnual Income
$150,000 personal or $200,000 household
The CIBC Aventura Visa Infinite Privilege Card has the same annual fee and income requirements as the BMO eclipse Visa Infinite Privilege Card.
With this card, you’ll earn CIBC Aventura points per dollar spent on travel purchases through the CIBC Rewards Center, followed by points per dollar spent on dining, entertainment, gas, transportation, and groceries. Sure the point rates on groceries, dining, and travel aren’t as high as the BMO Rewards you can earn with the BMO eclipse Visa Infinite Privilege Card, but CIBC Aventura points are a bit more valuable than BMO Rewards points when redeemed towards travel.
The insurance provided on both cards is pretty similar, but the benefits differ beyond shared Visa Infinite Exclusive Benefits, a Dragon Pass membership with complimentary visits, and gas discounts. On top of these shared categories, the CIBC Aventura Visa Infinite Privilege Card adds car rental discounts at participating Avis and Budget locations, an annual travel credit that you can redeem through the CIBC Rewards Center, and a Nexus Program rebate. While these perks are valuable, they aren’t as extensive as the perks provided by the BMO eclipse Visa Infinite Privilege Card. In place of an official annual travel credit, the BMO eclipse Visa Infinite Privilege Card offers an annual anniversary credit, which technically can be used towards travel expenses. What might make the BMO eclipse Visa Infinite Privilege Card’s anniversary credit more appealing than the CIBC Aventura Visa Infinite Privilege Card’s annual travel credit is its flexibility. With the CIBC Aventura Visa Infinite Privilege Card’s annual travel credit, you have to redeem the money towards travel booked through the CIBC Rewards Center. On the other hand, with the BMO eclipse Visa Infinite Privilege Card’s flexible anniversary credit, you can apply the credit towards any booking made through any travel platform.
So, if you want higher-value travel-redeemable points paired with your premium perks like lounge access and an annual travel credit, then you’ll likely be intrigued by the CIBC Aventura Visa Infinite Privilege Card. However, if you want more BMO Rewards points, more travel benefits, and more travel optimization and credit flexibility, you might want to try out the BMO eclipse Visa Infinite Privilege Card instead.
Welcome Bonus
Up to 85,000 points (55,000 in 1st year)
Rewards Rate
1.25x - 2x Points
Points
Annual Fee
$599
Interest Rates
20.99% / 22.99%
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
- Premium experience for Elite Air Canada travelers with many benefits and status upgrades.
- High coverage limit on insurance.
- Numerous luxury benefits and statuses available for use.
Cons
- The rewards rate on this card is not that high. There are non-Aeroplan cards with much better reward programs, and their points can later be transferred to this card, making them better options if you are looking to gather Aeroplan points.
- You lose the flexibility to use other airlines if you want to take advantage of the benefits of this card.
- The high price tag makes this card a poor choice if you don't frequently travel with Air Canada.
- The unlimited lounge access is limited to Maple Leaf Lounges and Air Canada Cafe lounges which don't have a great worldwide coverage.
Rewards
- 2 points on Air Canada and Air Canada Vacations if they are in the first $100k transactions of the year
- 1.5 points on Gas, Groceries, Travel and Dining if they are in the first $100k transactions of the year
- 1.25 Point on everything else
Insurance
Coverage
Emergency Out of province Medical
$5M/insured up to 31 daysEmergency Medical Over 65
$5M/insured up to 4 daysTrip Cancellation
$2.5K/person, $5K/tripTrip Interruption
$5K/person, $25K/tripFlight Delay
$1,000/person after 4 hoursBaggage Delay
$1K/person after 4 hoursLost or Stolen Baggage
$2.5K/personTravel Accident
$500,000Car Rental Damage & Theft
Up to 48 consecutive rental daysHotel Burglary Insurance
$2500Purchase Protection
120 daysExtended Warranty
2 yearsMobile 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 guestsNexus Program Rebate
$100 every 4 yearsVisa 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.SExtra points
Earn 50% more Stars and 50% more Aeroplan points at participating Starbucks storesExtra points
Earn points twice at over 150 Aeroplan partner brands and over 170 online retailers through the Aeroplan eStoreStatus 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 purchasesCar Rental Discount
10% off base rate of Avis Rent A Car and Budget Rent A CarTrip 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 upgradeStatus lift
Complimentary upgrade to Avis® President's ClubStatus 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 visitsAirport Lounge - Maple Leaf and AirCanada Cafes
Unlimited Access for you and one guestCompanion Voucher
Annual Worldwide Companion Pass from $99 to a max of $599 After spending $25,000 on your card
Eligibility
Credit Score
ExcellentAnnual Income
$150,000 personal or $200,000 household
The most affordable premium credit card on the Canadian market is the TD Aeroplan Visa Infinite Privilege Card. That said, part of its affordability might come from the fact that it lacks any airport lounge access. Regardless, there are still plenty of perks to get excited about.
For such a lower annual fee, it’s almost surprising how the TD Aeroplan Visa Infinite Privilege Card’s perks surpass those of the CIBC Aventura Visa Infinite Privilege Card. While both cards grant cardholders car rental discounts at Avis and Budget Rent A Car (although lower discount rates with the TD Aeroplan Visa Infinite Privilege Card), Visa Infinite Exclusive Benefits, and a Nexus Program rebate, the TD Aeroplan Visa Infinite Privilege Card goes on to add trip and legal assistance, concierge services, the opportunity to reach Aeroplan Elite Status sooner with Status Qualifying Miles and a Status Qualifying Segment, free first checked bags for the cardholder and up to 8 travel companions, extra Aeroplan points and Stars at participating Starbucks stores, double the points at over 150 Aeroplan partner brands and more than 170 online retailers through the Aeroplan eStore, and finally, Troon Rewards Golf benefits. Still, some applicants might be hesitant to apply for this card since it doesn’t have any airport lounge access – like the CIBC Aventura Visa Infinite Privilege Card and others.
The coverage between the two cards is also quite similar, but in some shared travel categories like emergency medical insurances and trip interruption and trip cancellation insurance, the CIBC Aventura Visa Infinite Privilege Card has better coverage overall.
The CIBC Aventura Visa Infinite Privilege Card also has a stronger rewards program with better point rates on shared earn categories like gas, groceries, and travel, plus this card adds more earn opportunities through extra categories like dining, entertainment, and transportation.
CIBC Aventura points are also worth more than Air Canada Aeroplan points when redeemed towards travel later on.
Overall, the TD Aeroplan Visa Infinite Privilege Card is a solid premium travel card for frequent Air Canada travellers who are a bit more budget-conscious and have no problem swapping out airport lounge access for more perks like free first checked bags or extra Aeroplan point opportunities. However, the CIBC Aventura Visa Infinite Privilege Card is a bit more valuable when it comes to redeeming points towards travel and it has some complimentary airport lounge access – for a higher annual fee of course.
Best Travel Credit Card for Trips Booked Through Expedia For TD
There’s one TD card in particular that stands out for frequent travellers that are interested in booking trips through Expedia for TD – a partnership program between Expedia and TD that allows cardholders to redeem their TD Rewards points towards Expedia For TD travel at the highest redemption value.
Let’s take a look at that card now:
Welcome Bonus
Up to 165,000 TD Rewards Points
Rewards Rate
2x - 8x points
Points
Annual Fee
$139 $0
Interest Rates
20.99% / 22.99%
The TD First Class Travel Visa Infinite Card is an excellent option for frequent travelers who book through Expedia For TD and want to maximize rewards on travel purchases. The high welcome bonus and extensive insurance coverage make this card stand out. However, the high income requirements and limited value of TD points may not make it the best fit for everyone.
Pros
- Earn 8 points per $1 spent on travel booked through Expedia For TD, making it a great card for frequent travelers.
- First year annual fee rebate, making it free for the first year.
- Extensive insurance coverage, including trip cancellation, emergency medical, baggage delay, and more.
- Annual $100 travel credit on a purchase of $500 or more through Expedia For TD.
Cons
- High income requirements: You need to earn at least $60,000 personally or $100,000 as a household.
- TD Rewards points are only worth 0.5 cents each, limiting their value compared to some other rewards programs.
- The Expedia For TD platform might not always offer the best prices or availability compared to booking directly with airlines or hotels.
Rewards
- 8x points per $1 spent on travel booked online through Expedia for TD
- 6x points per $1 spent on eligible grocery and restaurant purchases
- 4x points per $1 spent on eligible recurring bill payments
- 2x points per $1 spent on all other eligible purchases
Insurance
Coverage
Emergency Out of province Medical
21 daysEmergency Medical Over 65
4 daysTrip Cancellation
$1,500Trip Interruption
$5,000Flight Delay
$500Baggage Delay
$1,000Lost or Stolen Baggage
$1,000Travel Accident
$500,000Car Rental Damage & Theft
yesHotel Burglary Insurance
$2,500Purchase Protection
90 daysExtended Warranty
Up to 1 yearMobile Device Insurance
$1,000
Benefits
Details
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.SExtra points
Earn 50% more Stars and 50% more Aeroplan points at participating Starbucks storesAnnual Birthday Bonus
Earn a Birthday Bonus of up to 10,000 TD Rewards PointsCar Rental Discount
10% off base rate of Avis Rent A Car and Budget Rent A CarTravel Credit
Get an annual TD Travel Credit of $100 when you book at Expedia For TDAirport Lounge - Dragon Pass
Enjoy your time at the airport with global airport lounge access and 4 complimentary lounge visits with Visa Airport Companion Program
Eligibility
Credit Score
GoodAnnual Income
$60,000 personal or $100,000 household
The TD First Class Travel Visa Infinite Card actually earns cardholders tons of TD Rewards points on travel booked online through Expedia for TD in the first place, which can later be redeemed towards Expedia For TD travel at the highest point-redemption rate. You can also earn generous points on eligible grocery and restaurant purchases, plus eligible recurring bill payments – all of which of course can be later redeemed towards Expedia For TD trips. To top everything off, the card also comes with an above-average base rate.
With the TD First Class Travel Visa Infinite Card, you’re also thoroughly covered with 13 different insurance types – most of which pertain to travel. These insurance categories include protections like trip interruption and trip cancellation insurance, flight and baggage delay, and emergency medical coverages.
For benefits, expect travel perks like concierge services, extra Aeroplan points on Starbucks runs, car rental discounts at Avis and Budget locations, plus an annual TD Travel Credit when you book specifically through Expedia For TD. There’s also an annual birthday bonus, which gifts you extra TD Rewards points that you can of course use towards your next Expedia For TD booking.
While there are other TD contenders that are linked to Expedia For TD travel, none of them are as comprehensive and rewarding as the TD First Class Travel Visa Infinite Card.
Best Aeroplan-Branded Travel Credit Cards
Of course, there are a few American Express Cards that earn plenty of points that can be transferred to Aeroplan at a 1:1 ratio (think the American Express Cobalt Card and the American Express Gold Rewards Card), these cards are great options if you don’t need any accompanying Air Canada perks and want more travel flexibility overall.
In this category, however, we’re going to be focusing on the top Aeroplan-branded travel credit cards that come with strong Aeroplan reward programs and affiliated benefits.
Our choice for: Best premium card for Air Canada frequent travellers
APPLY NOW
on American Express' website
Welcome Bonus
Earn up to 85,000 Aeroplan points
Rewards Rate
1.25x - 3x Aeroplan® points
Points
Annual Fee
$599
Interest Rates
21.99%* / 21.99%*
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 I 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
- Generous rewards rate with up to 3 Aeroplan points per $1 spent on purchases, particularly beneficial for frequent flyers.
- Enjoy free checked bags when flying with Air Canada, reducing travel costs.
- Access to preferred pricing on Aeroplan flight awards, maximizing the value of your points.
- Unlimited access to Maple Leaf lounges when flying with Air Canada, providing a more comfortable travel experience.
- Extensive insurance coverage, including 11 types of insurance, offering peace of mind during your travels.
Cons
- As an American Express card, it may have limited acceptance compared to other credit cards, potentially limiting its use in some places.
- The most valuable rewards are generally tied to Air Canada flights, which may not appeal to travelers who fly with other airlines.
- The card comes with a high annual fee of $599, which may be a consideration for budget-conscious users.
- The unlimited lounge access is limited to Maple Leaf Lounges and Air Canada Cafe lounges which don't have a great worldwide coverage.
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
Emergency Out of province Medical
$5M/insured up to 15 daysTrip Cancellation
$1.5K/person, $3K/tripTrip Interruption
$1.5K/person, $6K/tripFlight Delay
$1,000/person after 4 hoursBaggage Delay
$1K/person after 6 hoursLost or Stolen Baggage
$1KTravel Accident
$500,000Car Rental Damage & Theft
$85K Up to 48 consecutive rental daysHotel Burglary Insurance
$1000Purchase Protection
90 daysExtended Warranty
1 years
Benefits
Details
Free first checked bag
First checked bag is free for primary cardholder on Air Canada branded flight and up to 8 guestsNexus Program Rebate
$100 every 4 yearsAmex Experiences™
Amex Experiences™ opens doors for you to access a number of special events, including special dining experiences, VIP parties, advance film screenings and moreExtra points
Earn points twice at over 150 Aeroplan partner brands and over 170 online retailers through the Aeroplan eStoreStatus 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 purchasesStatus lift
Complimentary upgrade to Avis® President's ClubStatus 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.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 guestCompanion Voucher
Annual Worldwide Companion Pass from $99 to a max of $599 After spending $25,000 on your cardFree 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
GoodAnnual Income
N/A
**Terms and conditions apply.
If you have 2 separate missed Payments, the applicable rates for your account will be 25.99%. If you have 3 or more separate missed payments, the applicable rates will be 29.99%.
American Express is not responsible for maintaining or monitoring the accuracy of information on this website. If you apply and get approved for an American Express Card, (I/we) may receive compensation from American Express, which can be in the form of monetary payment. Check here for full details and current product information.
If you can afford the high annual fee, the American Express Aeroplan Reserve Card gives you the opportunity to earn tons of Aeroplan points on every dollar spent on eligible Air Canada and Air Canada Vacations purchases, plus solid Aeroplan points per dollar spent on eligible dining and food delivery purchases. Even the base rate on all other purchases is a bit above average.
With this card, you’ll also have substantial insurance coverage, with important inclusions like trip cancellation and trip interruption insurance, not to mention emergency out of province medical insurance.
The benefits on this card are seemingly endless, with perks like free first checked bags, a NEXUS Program rebate, multiple status lifts, Priority Travel perks, airport lounge passes and access, the companion voucher, and a free extra night on eligible hotel stays.
So, if you want the potential to collect the most direct Aeroplan points and have multiple valuable travel perks by your side, you might want to splurge on the American Express Aeroplan Reserve Card.
APPLY NOW
on American Express' website
Welcome Bonus
Up to 40,000 Aeroplan® Points (30,000 in 1st year)
Rewards Rate
1x - 2x Aeroplan® points
Points
Annual Fee
$120
Interest Rates
30% Annual* / 30% Annual*
This card comes with the free checked bag benefit, which can save hundreds on a single trip for you and your family, more than making up for the annual fee of the card. In addition, the card helps you reach the next Aeroplan Status faster with spending on the card. However, if you don't have a specific use for these two benefits, there are many better cards in terms of benefits and rewards.
Pros
- Free checked bag benefit: Every checked bag might cost you $60 - $100 per person on a round trip. The amount you can save in a year if you travel a few times or travel with a few companions can easily be much higher than the annual fee of the card.
- If you are interested in a higher Aeroplan Status, the card helps you get there faster.
Cons
- The main reward category is only for Air Canada purchases. Unless you are a frequent Air Canada traveler, this reward category is not useful to most people.
- The only other rewards category offered is for food, and it doesn't offer that high of a reward rate either.
- In terms of insurance benefits, the types and coverage amounts provided are lower compared to other cards with a similar annual fee.
Rewards
- 2x Aeroplan® points on eligible purchases made directly with Air Canada®* and Air Canada vacations®*
- 1.5x Aeroplan® points on eligible Dining and Food Delivery purchases in Canada
- 1x Aeroplan® point on everything else
Insurance
Coverage
Flight Delay
$500 (Aggregated with Baggage Delay)Baggage Delay
$500 (Aggregated with Flight Delay)Hotel Burglary Insurance
$500Travel Accident
$500,000Car Rental Damage & Theft
$85K, up to 48 daysPurchase Protection
90 days, $1,000 per occurrenceExtended Warranty
1 year
Benefits
Details
Free first checked bag
Enjoy your first checked bag free (up to 23kg/50lb) for up to 9 people travelling on the same reservation on Air Canada®* flightsStatus lift
Reach Aeroplan Elite™ Status sooner by earning Status Qualifying Miles and Status Qualifying Segments with purchases made on your accountFree Extra Night at Hotels
Receive an extra night free for every 3 hotel nights redeemed with Aeroplan pointsAmex Experiences™
Amex Experiences™: From music and movies, to specially curated dining and online shopping opportunities, stay connected with all that we have to offer from the comfort of your own homeExtra points
Earn points twice at over 150 Aeroplan partner brands
Eligibility
Credit Score
GoodAnnual Income
N/A
**Terms and conditions apply.
As a Charge Card, the balance must always be paid in full each month. 30% annual interest rate applies to balances not paid in full. Payments must be received and processed by the date of the next monthly statement to avoid interest charges.
American Express is not responsible for maintaining or monitoring the accuracy of information on this website. If you apply and get approved for an American Express Card, (I/we) may receive compensation from American Express, which can be in the form of monetary payment. Check here for full details and current product information.
If you want an Aeroplan-branded credit card that’s similar to the American Express Aeroplan Reserve Card but much more affordable, consider the American Express Aeroplan Card.
With this option, you’ll earn almost as many Aeroplan points on Air Canada and Air Canada Vacations purchases, plus nearly as many points on eligible dining and food delivery purchases. Instead of having an above average base rate of Aeroplan points on all other purchases (like the American Express Aeroplan Reserve Card), the American Express Aeroplan Card has a standard base rate on everything else.
Among the two cards’ shared insurance categories, certain categories have better coverage on the American Express Aeroplan Reserve Card, like hotel burglary insurance, baggage delay insurance, and flight delay insurance. The American Express Aeroplan Reserve Card also adds lost or stolen baggage insurance, emergency out of province medical insurance, and trip interruption and trip cancellation insurance to its protections, unlike the American Express Aeroplan Card.
While the American Express Aeroplan Card also has benefits like the expedited chance of reaching Aeroplan Elite Status, free first checked bags, extra Aeroplan points through partnered brands, a free extra night on Aeroplan-point-purchased 3-night hotel stays, and Amex experiences, the American Express Aeroplan Reserve Card adds way more premium benefits like an annual companion voucher, Priority Travel perks, and unlimited airport lounge access to Maple Leaf Lounges and Air Canada Cafes.
Thus, you’d likely only pick the American Express Aeroplan Card over the American Express Aeroplan Reserve Card if you wanted to spend less annually in exchange for fewer Aeroplan points on optimized earn categories, insurance categories, and travel perks.
Welcome Bonus
Up to 45,000 Aeroplan® points
Rewards Rate
1x - 1.5x Aeroplan points
Points
Annual Fee
$139 $0
Interest Rates
20.99% / 22.99%
The TD® Aeroplan® Visa Infinite Card* is an excellent choice for frequent Air Canada travelers looking to maximize their rewards with Aeroplan points. With perks like free checked bags, Preferred Pricing, and a first-year fee waiver, it’s ideal for users who value Air Canada-specific benefits. However, the card’s high income requirement and limited non-Air Canada redemption options may not appeal to everyone.
Pros
- 1.5 points per $1 on gas, groceries, and Air Canada purchases.
- Free checked bags and Preferred Pricing on Air Canada rewards flights.
- Extensive insurance coverage with 12 types of insurance.
Cons
- The rewards rate on this card is not that high. There are non-Aeroplan cards with much better reward programs, and their points can later be transferred to this card, making them better options if you are looking to gather Aeroplan points.
- You lose the flexibility to use other airlines if you want to take advantage of the benefits of this card.
Rewards
- 1.5x Aeroplan points per $1 spent on gas, groceries, Air Canada and Air Canada vacations (maximum 120,000 points annually)
- 1x Aeroplan point per $1 spent on all other eligible purchases
Insurance
Coverage
Emergency Out of province Medical
21 daysEmergency Medical Over 65
4 daysTrip Cancellation
$1,500Trip Interruption
$5,000Flight Delay
$500Baggage Delay
$1,000Lost or Stolen Baggage
$1,000Travel Accident
$500,000Car Rental Damage & Theft
yesHotel Burglary Insurance
$2500Purchase Protection
90 daysExtended Warranty
1 yearMobile Device Insurance
$1,000
Benefits
Details
Free first checked bag
First checked bag is free for primary cardholder on Aircanada flights and up to 8 guestsNexus Program Rebate
$100 every 4 yearsVisa 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.SExtra points
Earn 50% more Stars and 50% more Aeroplan points at participating Starbucks storesExtra points
Earn points twice at over 150 Aeroplan partner brands and over 170 online retailers through the Aeroplan eStoreStatus lift
Reach Aeroplan Elite™ Status sooner by earning 1,000 Status Qualifying Miles and one (1) Status Qualifying Segment for every $10,000 of net purchasesCar Rental Discount
10% off base rate of Avis Rent A Car and Budget Rent A CarTrip and legal Assistance
Eligibility
Credit Score
Very GoodAnnual Income
$60,000 personal or $100,000 household
Let’s say you want to avoid American Express, but still pocket a solid Aeroplan-branded credit card. In this case, you’ll want to look at the TD Aeroplan Visa Infinite Card, a card that we consider to be the best overall Aeroplan Visa Infinite Card in terms of price, rewards, and perks.
In all honesty, the rewards program on this Aeroplan card is less impressive, but you’ll earn a decent amount of Aeroplan points per dollar spent on gas, groceries, and Air Canada purchases. This conveniently optimizes your most common day-to-day errands and any Air Canada trips you intend on taking. It’s worth noting though that contrary to the American Express Aeroplan Card, you’ll be earning slightly less Aeroplan points on Air Canada purchases.
The TD Aeroplan Visa Infinite Card is also a little more expensive annually than the American Express Aeroplan Card. But the good news is that the TD Aeroplan Visa Infinite Card’s annual fee is completely waived in the first year of membership.
The TD Aeroplan Visa Infinite Card also has annual income requirements, whereas the American Express Aeroplan Card has none.
Still, you’ll have more insurance with the TD Aeroplan Visa Infinite Card, as it adds valuable protections that the American Express Aeroplan Card lacks, like trip interruption and trip cancellation insurance, emergency medical coverages, and lost or stolen baggage insurance.
The TD Aeroplan Visa Infinite Card also has more benefits like car rental discounts at Avis and Budget locations, a Nexus Program rebate, trip and legal assistance, and concierge services. While its perks are indeed extensive, they’re not as premium as the American Express Aeroplan Reserve Card, since they lack lounge access.
Overall, the TD Aeroplan Visa Infinite Card is the best overall Aeroplan-branded option in terms of balanced rewards, perks, and coverage at a reasonable price-point. If you can spend some more money though and you’d like to earn slightly more Aeroplan points on Air Canada travel, look into the American Express Aeroplan Card, or if you’re a high-spender who wants the most Aeroplan points on shared earn categories and the most premium perks, try the American Express Aeroplan Reserve Card.
Best Travel Credit Cards for Air Miles
Maybe your loyalty program of choice is actually Air Miles. If so, BMO’s got you covered with a few options.
Our choice for: Premium AIR MILES Card
APPLY NOW
on BMO's website
Welcome Bonus
Up to 7,000 AIR MILES Bonus Miles*
Rewards Rate
1x - 3x Miles
Points
Annual Fee
$120 $0
Interest Rates
21.99% / 23.99%□
The BMO Air Miles World Elite Mastercard is ideal for frequent Air Miles collectors looking for premium travel benefits and a strong rewards rate. With up to 2,000 bonus miles, a 25% annual flight discount, and automatic Onyx status, this card offers substantial value for those who frequently shop at Air Miles partners and travel often. Its comprehensive insurance coverage and first-year fee waiver also add to its appeal, though the high income requirement may limit its accessibility.
Pros
- Increased rewards: Earn 1 mile per $12 spent, tripled when shopping at participating Air Miles partners and doubled at eligible grocery, liquor, and wholesale stores.
- Travel perks: Includes a 25% discount on one Air Miles reward flight booking per year.
- Air Miles Onyx status: Automatic Air Miles Onyx status with exclusive benefits.
- Comprehensive insurance: 14 types of insurance coverage, including travel, trip cancellation, and rental car insurance.
- First-year fee waived: Try the card for free in the first year.
Cons
- High income requirements: Requires $80,000 personal or $150,000 household income, making it inaccessible for many.
- Lower rewards compared to other premium cards: While it offers good Air Miles rewards, other cards may provide more flexible or higher rewards.
Rewards
- 3x Miles points per $12 spent at participating AIR MILES Partners
- 2x Miles points per $12 spent on eligible grocery, liquor and wholesale store purchases
- 1x Mile point per $12 spent on all other eligible purchases
Insurance
Coverage
Purchase Protection
90 daysExtended Warranty
double up to 1 yearTrip Cancellation
$1.5K/person, $5K/tripTrip Interruption
$1.5K/person, $10K/tripEmergency Out of province Medical
$5M up 15 days/personTravel Accident
$500,000/personFlight Delay
$500Baggage Delay
$500/person, $1K/tripLost or Stolen Baggage
$500/person, $1K/tripHotel Burglary Insurance
$1,000Car Rental Damage & Theft
$65,000 up to 48 days
Benefits
Details
Airport Lounge - Dragon Pass
Pass only - complimentary visits not includedDiscount
Up to 7 cents off per litre on Shell® fuel if you are an AirMiles collectorCar Rental Discount
20% off base rate of participating National Car Rental and Alamo Rent a Car and up to 5% on Enterprise Rent-A-CarDiscount
Save up to 7% on your Booking.com prepaid hotel or property rental bookingsDiscount
Annual 25% discount on one worldwide AIR MILES flight redemptionStatus lift
Automatic Air Miles Onyx status
Eligibility
Credit Score
GoodAnnual Income
$80,000 personal or $150,000 household
*BMO is not responsible for maintaining the content on this site. Please click on the Apply now link for the most up to date information. Check here for full details and current product information.
The best overall BMO Air Miles credit card is the BMO AIR MILES World Elite Mastercard.
For a decent annual fee that’s waived in the first year, cardholders receive strong Miles points per $12 spent at participating AIR MILES Partners, plus decent Miles points per $12 spent on eligible grocery, liquor, and wholesale store purchases.
To complement this rewards program, the card includes plenty of travel insurance. Expect protections like trip interruption and trip cancellation insurance, flight and baggage delay insurance, and emergency out of province medical insurance.
As for benefits, enjoy a Dragon Pass membership (excluding complimentary visits), discounts on Shell fuel, National, Enterprise, and Alamo rental cars, Booking.com prepaid hotels and rental property bookings, and one worldwide AIR Miles flight redemption, plus an Automatic Air Miles Onyx status lift.
You will want to note, however, that the BMO AIR MILES World Elite Mastercard comes with some high annual income requirements, which might make it less accessible for some applicants.
Therefore, if you’re a high-earner who wants the best Air Miles earn rates, accompanied by solid coverage and tons of discounts and a couple of exclusive memberships and statuses – check out the BMO AIR MILES World Elite Mastercard.
Our choice for: No fee AIR MILES card
APPLY NOW
on BMO's website
Welcome Bonus
Get 1,200 AIR MILES Bonus Miles* + 0.99% rate on Balance Transfers for 9 months
Rewards Rate
1x - 3x Miles
Points
Annual Fee
$0
Interest Rates
21.99%* / 23.99%*□
The BMO Air Miles Mastercard is an excellent option for those looking to collect Air Miles without paying an annual fee. With bonus earning opportunities at Air Miles partners and grocery stores, this card is ideal for regular Air Miles collectors. It also offers perks like fuel savings at Shell and a competitive balance transfer rate, making it a versatile card for everyday purchases. However, its limited rewards outside of partner stores may not make it the best fit for those who don't frequently shop at Air Miles-affiliated retailers.
Pros
- No annual fee: The card is free to hold, making it a cost-effective way to collect Air Miles.
- Bonus miles at partners: Earn 3x the miles at Air Miles partners and 2x the miles at grocery, liquor, and wholesale stores.
- Fuel savings: Save up to 7 cents per litre at Shell stations, with the potential to save up to $100 annually.
- Balance transfer offer: 0.99% promotional interest rate on balance transfers for the first 9 months.
Cons
- Low base earn rate: Earn only 1 Air Mile per $25 spent on all non-bonus purchases.
- Limited insurance: The card only offers basic insurance, such as extended warranty and purchase protection.
- Limited value outside Air Miles partners: Rewards earning potential is higher at participating partners, but significantly lower for general spending.
Rewards
- 3x Miles points per $25 spent at participating AIR MILES Partners
- 2x Miles points per $25 spent on eligible grocery purchases
- 1x Mile point per $25 spent on all other eligible purchases
Insurance
Coverage
Purchase Protection
90 daysExtended Warranty
1 year
Benefits
Details
Discount
Save up to 7% on your Booking.com prepaid hotel or property rental bookingsDiscount
Up to 7 cents off per litre on Shell® fuel if you are an AirMiles collectorCar Rental Discount
20% off base rate of participating National Car Rental and Alamo Rent a Car and up to 5% on Enterprise Rent-A-CarDiscount
Get 20% off admission to Cirque du Soleil shows touring Canada, and 15% off resident shows in Las Vegas
Eligibility
Credit Score
GoodAnnual Income
N/A
*BMO is not responsible for maintaining the content on this site. Please click on the Apply now link for the most up to date information. Check here for full details and current product information.
Let’s say you want a similar Air Miles rewards program and some similar perks for no annual fee. In that case, swap the BMO AIR MILES World Elite Mastercard for the BMO AIR MILES Mastercard.
With this card, you’ll earn the same Miles points rates on AIR MILES Partners and groceries as the BMO AIR MILES World Elite Mastercard, but you’ll need to spend about double the amount of money to receive the points.
As for coverage, unfortunately, the BMO AIR MILES Mastercard only has basic extended warranty insurance and purchase protection insurance, whereas the BMO AIR MILES World Elite Mastercard goes on to add multiple travel protections.
In terms of coverage, the BMO AIR MILES Mastercard offers the same car rental discount at National Car Rental, Alamo Rent a Car, and Enterprise Rent A Car, discounts on Shell fuel, and discounts on Booking.com prepaid hotel and rental property bookings. Uniquely though, the BMO AIR MILES Mastercard adds a Cirque du Soleil discount on shows touring in Canada and Las Vegas.
Thankfully, the BMO AIR MILES Mastercard doesn’t have any income requirements, like the BMO AIR MILES World Elite Mastercard.
All in all, the BMO AIR MILES Mastercard is a great substitute to the BMO AIR MILES World Elite Mastercard if you don’t meet the BMO AIR MILES World Elite Mastercard’s high income requirements and you want to avoid an annual fee altogether.
Best Cathay-Pacific-Branded Travel Credit Card
The next few cards are focused very narrowly on Airline co-branding. So, you’d likely only select them if you’re a loyal flyer to the airline or airline network in question.
Let’s start with a card suited to those who like to fly with Cathay Pacific.
Our choice for: Travels to Asia
Welcome Bonus
Up to 60,000 Asia Miles (35,000 upon approval)
Rewards Rate
1x - 5x Asia Miles
Points
Annual Fee
$180
Interest Rates
19.99% - 26.99%* / 22.99% - 28.99%*
The Cathay World Elite Mastercard is a top choice for frequent travelers to Asia, offering up to 60,000 bonus Asia Miles, high earn rates at Neo retail partners, and exclusive Cathay Pacific benefits like priority check-in and lounge access. With 12 types of insurance coverage, airport lounge access through DragonPass, and the ability to earn up to 15 miles per dollar spent at select partners, this card provides substantial value for those who regularly fly with Cathay Pacific and its partners. However, the card does require a higher income and comes with a $180 annual fee.
Pros
- Generous Bonus: Earn up to 60,000 bonus Asia Miles with neo cathay pacific
- Discount on flights: Up to 15% discount on flights to Asia and beyond with code CXNEO15OFF (valid until Dec 31, 2025).
- High Earn Rates: Get an average of 5 miles, and up to 15 miles per $1 spent (first time purchases) at Neo retail partners.
- Cathay Pacific Perks: Enjoy several exclusive benefits with Neo Cathay Pacific.
- Comprehensive Insurance: Your Cathay Neo Card Comes with 12 types of insurance coverage.
- Airport Lounge Access: Gain entry to airport lounges with a Mastercard Travel Pass membership.
Cons
- High Income Requirement: Requires a minimum personal income of $80,000 or $150,000 household income.
- Annual Fee: The card comes with a high annual fee of $180.
- Limited Redemption: Asia Miles cannot be redeemed for flights within Canada.
Rewards
- Earn 4x Asia Miles per $1 spent on Cathay Pacific flights
- Earn 2x Asia Miles per $1 spent on purchases made in foreign currencies
- Earn 1x Asia Miles per $1 spent in Canada with your cathay neo card
- Earn an average of 5x the Asia Miles when you spend at thousands of Neo partners nationwide
- Save up to 15% off on flights to Asia and beyond when you pay with your Cathay World Elite Mastercard and enter the discount code CXNEO15OFF (valid until Dec 31, 2025)
Insurance
Coverage
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Car Rental Personal Effects
$1,000/person, $2,000 combined
Car Rental Accident
$100K for Cardholder, $10K spouse and childCar Rental Damage & Theft
48 daysBaggage Delay
$1,000 after 4 hoursLost or Stolen Baggage
$1,000Trip Cancellation
$5,000Trip Interruption
$5,000Emergency Out of province Medical
14 daysFlight Delay
$250/day, $500 MaximumHotel Burglary Insurance
$1,000Purchase Protection
90 daysExtended Warranty
1 year
Benefits
Details
Airport Lounge - Dragon Pass
DragonPass only. No Complimentary visits!Priority Travel
Online priority check-in and extra baggage redemption for Cathay Pacific, and Cathay Pacific Business class lounge redemption accessPriority Travel
Airport Security Fast Track with and professional and punctual airport with Mastercard benefits
Boingo Wi-Fi hotspot
Discount
Save up to 15% off on flights to Asia and beyond when you pay with your Cathay World Elite Mastercard and enter the discount code CXNEO15OFF (valid until Dec 31, 2025)
Eligibility
Credit Score
GoodAnnual Income
$80,000 personal or $150,000 household
*The Cathay World Elite® Mastercard is issued by Neo Financial™ pursuant to license by Mastercard International Incorporated.
Mastercard, World Elite® and the circles design are registered trademarks of Mastercard International Incorporated.
The Cathay World Elite® Mastercard is not available in Quebec. Check here for full details and current product information.
If you’re constantly catching flights to Asia, and you’re particularly interested in optimizing your trips with Cathay Pacific, consider applying for the Neo Cathay World Elite Mastercard (see full details here).
This Mastercard earns you decent Asia Miles on every dollar spent on Cathay Pacific flights and on purchases made in foreign currencies. You’ll also have the opportunity to earn extra Asia Miles points when you purchase from thousands of Neo partners nationwide.
The insurance on the Neo Cathay World Elite Mastercard is pretty comprehensive, with valuable insurances like trip interruption and trip cancellation insurance, car rental accident insurance, and car rental personal effects insurance.
Regarding benefits, the Neo Cathay World Elite Mastercard supplies its cardholders with a Dragon Pass membership (excluding any complimentary visits), Priority Travel perks associated with Cathay Pacific, access to the Boingo Wi-Fi hotspot, and discounts on flights to Asia and beyond when you pay for your ticket using your Neo Cathay World Elite Mastercard and enter the qualifying discount code.
At the end of the day, if you’re the type of traveller that frequents Asia and who wants to take full-advantage of their Cathay Pacific trips, then the Neo Cathay World Elite Mastercard should be your top travel credit card pick.
Best WestJet-Branded Travel Credit Card
Perhaps you prefer to travel with WestJet, and if that’s the case, there’s also Mastercard for that.
Welcome Bonus
Get up to 45,000 WestJet points
Rewards Rate
1.5x - 2x Points
Points
Annual Fee
$119
Interest Rates
20.99% / 22.99%□
If you travel frequently with WestJet, you must get this card because you are missing out on many benefits, even if you don't use this card for rewards. The round-trip companion voucher, status lift, and free checked bag benefits alone more than make up for the annual fee. For WestJet purchases, this card is great for earning rewards, but for all other categories, we recommend pairing it with another card.
Pros
- A no-brainer if you are a frequent WestJet traveler. The first free checked bag, annual companion pass, and status lift benefits alone make up more than the amount paid for the annual fee.
- A very good list of travel insurance in addition to WestJet-specific benefits.
Cons
- Not the best card for rewards accumulation, so it's better if paired with another card that offers higher rewards on non-WestJet purchases.
- Rewards can only be used on WestJet, making them less flexible.
Rewards
- Earn 2 points per $1 spent on WestJet flights or WestJet Vacations packages using your card
- Earn 1.5 points per $1 spent on everyday purchases
Insurance
Coverage
Emergency Out of province Medical
15 daysEmergency Medical Over 65
3 daysTravel Accident
$500KCar Rental Damage & Theft
$65K up to 48 daysTrip Interruption
$5K/person, $25K/tripFlight Delay
$250/person, $500/occurrenceBaggage Delay
$500/person, $2500/occurrencePurchase Protection
90 daysExtended Warranty
1 year
Benefits
Details
Airport Lounge - Dragon Pass
Pass only, complimentary visits not included! Companion Voucher can be exchanged for 4 visits.Companion Voucher
Travel within Canada or to the continental U.S. (excluding Hawaii), from $119 CAD, Travel to Hawaii or Mexico from $399 CAD, Travel to the rest of the WestJet network from $399 CADStatus lift
Eern $500 in tier qualifying spend which applies towards achieving the next WestJet Rewards tier for every $15,000 CAD in Eligible Purchases on your WestJet RBC World Elite Mastercard (up to a maximum of $1,500 in tier qualifying spend in a qualifying year)Free first checked bag
First checked bag is free for primary cardholder on WestJet flight and up to 8 guestsDiscount
Member Exclusive fares: Exclusive discounts when you pay the full base fare with WestJet dollarsBoingo Wi-Fi hotspot
Gas Discount
save 3¢/L on fuel and always earn 20% more Petro-Points at Petro-CanadaExtra points
50 Be Well points for every $1 spent on eligible products at Rexall
Eligibility
Credit Score
GoodAnnual Income
$80,000 personal or $150,000 household
*1To benefit from this offer, your application must be received and approved by Royal Bank of Canada (“Royal Bank”) between July 9 and October 21, 2025 (“Offer Period”). This offer only applies to new applications for a WestJet RBC World Elite Mastercard.
You will receive 25,000 welcome WestJet points upon your first purchase (“Welcome WestJet Points”). The Welcome WestJet Points will appear on your monthly credit card statement and in your WestJet Rewards account, accessible at westjet.com/account, up to six (6) weeks after your first purchase transaction date, provided that your WestJet RBC World Elite Mastercard credit card account (“Credit Card Account”) remains open and in good standing at that time, “good standing” meaning that your Credit Card Account must not be past due for more than two (2) consecutive Credit Card Account statement periods, closed, charged off or in credit revoked status at that time.
To receive the additional 20,000 WestJet points (“Additional WestJet Points”), (i) a total of $5,000 (“Qualifying Transaction Amount”) or more in qualifying net purchases and/or pre-authorized bill payment transactions (“Qualifying Transactions”) must be posted to your Credit Card Account within the first three (3) months of your Credit Card Account opening date (“Period”), and (ii) your Credit Card Account must remain open and in good standing at the time the Additional WestJet Points are awarded to your WestJet Rewards account, approximately six (6) weeks after the date you reach the Qualifying Transaction Amount. Qualifying Transactions exclude cash advances (including balance transfers, cash-like transactions and bill payments that are not pre-authorized charges that you set up with a merchant), interest charges and fees, and credits for returns and adjustments posted to your Credit Card Account during the Period will reduce the amount of your Qualifying Transactions.
The transaction posting date of each Qualifying Transaction, not the transaction date, will determine whether the transaction will count towards the Qualifying Transaction Amount. This means that Qualifying Transactions that take place prior to the last day of the Period will not count towards the Qualifying Transaction Amount if they have not yet been posted or processed by the merchant, the payment network (Mastercard) or Royal Bank by the last day of the Period.
Only the primary cardholder on the Credit Card Account is eligible for this offer. Additional cardholders(s) (co-applicant and authorized user(s)), as well as existing cardholders on any RBC Royal Bank personal credit card account, transferring to a WestJet RBC World Elite Mastercard during the Offer Period, are not eligible for this offer.
If you close your Credit Card Account or change it for another type of RBC Royal Bank credit card before the Welcome WestJet Points or the Additional WestJet Points have been awarded to your WestJet Rewards account, you may not receive the points. This offer may not be combined or used in conjunction with any other offer. Royal Bank and WestJet reserve the right to modify, cancel or withdraw this offer at any time without notice, even after your application has been approved, including if we suspect that you may be manipulating or abusing it, or engaging in any suspicious or fraudulent activity, as determined by us in our sole discretion. Check here for full details and current product information.
The WestJet RBC World Elite Mastercard is ideal for those who frequently travel with WestJet on account of its rewards program, but more importantly, its benefits.
For rewards, cardholders earn cashback in WestJet dollars on WestJet flights and vacation packages, plus a higher-than-average base rate in WestJest dollars on all other purchases.
Like we said though, the perks on this card are particularly enticing. For starters, there’s the annual companion voucher. This voucher is awarded to cardholders each year automatically and is applicable towards eligible roundtrip flights within the WestJet network – just mind the additional charges and fees still associated with this perk depending on the planned destination and fare-type. Other benefits include a free Dragon Pass membership (which can actually come with some complimentary visits if you trade-in the companion voucher), WestJet Rewards tier status lifts, free first checked bags for the cardholder and 8 travel companions, discounts on full base fares when paid for by WestJet dollars, access to the Boingo Wi-Fi hotspot, gas discounts and extra points at Petro Canada, plus extra points on eligible Rexall purchases.
The coverage on the WestJet RBC World Elite Mastercard is also respectable, with sought-after categories like trip interruption insurance and emergency medical over 65 insurance.
Ultimately, if WestJet is your airline of choice and you want some associated perks that will make your trip that much more convenient and memorable, there’s really no better card for you than the WestJet RBC World Elite Mastercard.
Best British-Airways-Branded Travel Credit Card
Maybe British Airways is more your speed. If so, check out this next contender!
Our choice for: Frequent British Airways travellers
APPLY NOW
on RBC's website
Welcome Bonus
Get Up To 60,000 Aviosˆ with the RBC® British Airways Visa Infinite card (with minimum spend, conditions apply)
Rewards Rate
1x - 3x Avios points
Points
Annual Fee
$165
Interest Rates
20.50% / 22.99%□
The RBC British Airways Visa Infinite is ideal for frequent international travelers who primarily fly with British Airways or oneworld alliance partners. The welcome bonus, Companion Voucher, and triple Avios earning potential on British Airways purchases make it valuable for high spenders. However, it may not be ideal for those looking for more flexibility in redeeming rewards or those who prioritize domestic travel.
Pros
- Generous welcome bonus: Up to 60,000 Avios can translate up to $1020 in travel value.
- Triple Avios on British Airways flights, making it ideal for frequent travelers.
- 10% discount on British Airways flights.
- Companion Award eVoucher: Great value for frequent British Airways flyers.
- 9 types of insurance included, such as travel accident, flight delay, and rental car insurance.
- 3 cents per litre savings at Petro-Canada with linked cards.
Cons
- High income requirements: Must have either $60,000 personal or $100,000 household income to qualify.
- Limited flexibility: Avios can only be used with British Airways and oneworld alliance airlines, limiting options for domestic or non-alliance travel.
- Companion Voucher requires $30,000 in annual spending, which may not be accessible for all cardholders.
Rewards
- Earn 3 Avios for every $1 CAD spent on British Airways and BA Holidays*
- Earn 2 Avios for every $1 CAD spent on qualifying dining spend*
- Earn 1 Avios for every $1 CAD spent on qualifying net purchases*
- Earn a companion voucher when you spend $30,000 CAD annually. You can either take a companion with you or fly solo instead for a 50% Avios discount on the cost of one reward seat ticket. Plus, you'll have the flexibility to pay a lower, flat fee to cover taxes, fees and carrier charges and a fixed Avios amount when you make a Reward Flight booking.˜
- 10% off British Airways flights when you book and pay with your card∞
Insurance
Coverage
Emergency Out of province Medical
31 daysEmergency Medical Over 65
7 daysTravel Accident
$500,000Car Rental Damage & Theft
yesFlight Delay
$500Baggage Delay
$500Lost or Stolen Baggage
$500Hotel Burglary Insurance
$2,500Purchase Protection
90 daysExtended Warranty
Up to 1 year
Benefits
Details
Companion Voucher
Receive a Companion Award eVoucher when you spend $30,000 or more in any calendar yearDiscount
Enjoy 10% off British Airways flights when you book and pay with your cardGas Discount
save 3¢/L on fuel and always earn 20% more Petro-Points at Petro-CanadaExtra points
50 Be Well points for every $1 spent on eligible products at Rexall
Eligibility
Credit Score
Very GoodAnnual Income
$60,000 personal or $100,000 household
*Refer to RBC page for up to date offer terms and conditions. The Website may engage in affiliate marketing, which is done by embedding tracking links into The Website. If you click on a link for an affiliate partnership, a cookie will be placed on your browser to track any sales for purposes of commissions. Check here for full details and current product information.
The RBC British Airways Visa Infinite Card allows members to collect competitive Avios points per dollar spent on British Airways purchases, plus some Avios points per dollar spent on dining. These points are then unsurprisingly redeemable through travel with British Airways.
For travel coverage, expect protections like flight and baggage delay, emergency medical coverages, and hotel burglary insurance.
As for benefits, the RBC British Airways Visa Infinite Card includes a companion voucher when you meet a certain spending milestone within a calendar year, discounts off of British Airways flights, and gas discounts at Petro Canada, plus extra Petro Points.
So, if you’re in search of a travel credit card that complements your journeys with British Airways, the RBC British Airways Visa Infinite Card is your best option.
Best Marriott-Bonvoy-Branded Travel Credit Card
If you’re looking to save on your hotel stays rather than your flights, you might want to apply for a Marriott-Bonvoy-branded travel credit card.
Our choice for: Frequent Marriott Bonvoy Hotel Chain Visitors
APPLY NOW
on American Express' website
Welcome Bonus
Earn 50,000 Marriott Bonvoy® points
Rewards Rate
2x - 5x points
Points
Annual Fee
$120
Interest Rates
21.99%* / 21.99%*
The Marriott Bonvoy American Express Card is a standout for frequent travelers who value luxury and flexibility in their rewards. With access to over 7,000 participating hotels, cardholders can earn generous points on both Marriott Bonvoy bookings and everyday purchases. The card's annual free night award and complimentary Silver Elite status make it even more appealing, offering service upgrades and extra points on eligible stays. For those who frequently stay at Marriott properties and want to maximize their travel perks, this card is a top choice.
Pros
- Earns high rewards on Marriott Bonvoy hotel stays, with competitive points on other purchases.
- Includes an annual free night certificate, adding significant value to frequent travelers.
- Automatic Silver Elite status provides enhanced benefits during stays, like late checkout and additional points.
- Generous welcome bonus, offering a substantial boost to your rewards balance early on.
Cons
- As an American Express card, it may not be as widely accepted as other credit cards, limiting its usability in some locations.
- Travel insurance coverage is comprehensive but may not match the levels offered by other premium cards in the market.
Rewards
- 5 points per $1 on eligible purchases at participating Marriott Bonvoy hotels
- 2 points per $1 on all other purchases (i.e. dining, groceries, online shopping, etc.)
Insurance
Coverage
Travel Accident
$500,000Lost or Stolen Baggage
$500Baggage Delay
$500Flight Delay
$500Hotel Burglary Insurance
$500Purchase Protection
90 daysExtended Warranty
1 yearCar Rental Damage & Theft
yes
Benefits
Details
Free Extra Night at Hotels
Enjoy an Annual Free Night Award after your Card anniversary each yearFree Extra Night at Hotels
Enjoy 15 Elite Night Credits each calendar year to use towards attaining the next level of Elite status with your Marriott Bonvoy® American Express®* CardStatus lift
Complimentary Marriott Bonvoy Silver Elite StatusStatus lift
Upgrade to Gold Elite status when you combine 10 qualifying paid nights within one calendar year with the 15 Elite Night Credits from your cardAmerican Express® Experiences
Eligibility
Credit Score
GoodAnnual Income
N/A
**Terms and conditions apply.
If you have 2 separate missed Payments, the applicable rates for your account will be 25.99%. If you have 3 or more separate missed payments, the applicable rates will be 29.99%.
American Express is not responsible for maintaining or monitoring the accuracy of information on this website. If you apply and get approved for an American Express Card, (I/we) may receive compensation from American Express, which can be in the form of monetary payment. Check here for full details and current product information.
The Marriott Bonvoy American Express Card grants you Marriott Bonvoy points on eligible purchases made at participating Marriott Bonvoy hotels, plus above-average base-rate points on all other purchases.
This hotel-oriented card also has some commendable travel insurance, with coverage categories like flight and baggage delay insurance, hotel burglary insurance, and travel accident insurance.
For benefits, you’ll receive free extra nights at Marriott hotels on your card anniversary every year, complimentary Marriott Bonvoy Silver Elite Status, and free extra night credits each calendar year applicable towards reaching the next level of Elite status.
Overall, the Marriott Bonvoy American Express Card is ideal for frequent travellers who prefer to stay at Marriott Bonvoy properties.
Best Travel Credit Cards for Business Trips
Are you constantly mixing work and travel? Well, believe it or not, there are a few credit cards that cater to this lifestyle.
Our choice for: Luxury travel business credit card
APPLY NOW
on American Express' website
Welcome Bonus
Earn up to 120,000 bonus Membership Rewards® points
Rewards Rate
1.25x points
Points
Annual Fee
$799
Interest Rates
21.99% - 30%* / 21.99% - 30%*
The Business Platinum Card® from American Express is ideal for frequent business travelers who can take full advantage of the premium perks and extensive insurance coverage. Despite the high annual fee, the generous rewards and travel benefits may offset the cost for those who maximize the card's offerings.
Pros
- Generous Earn Rate: 1.25 points per $1 spent on all purchases.
- Premium Travel Perks: Includes a $200 annual travel credit, access to over 1,400 airport lounges worldwide, and hotel benefits like Marriott Bonvoy Gold Elite status.
- Comprehensive Insurance: Extensive travel and purchase insurance, including mobile device coverage and trip interruption protection.
- Interest Grace Period: Up to 55 interest-free days
Cons
- High Annual Fee: The card comes with a hefty $799 annual fee, which may not be justifiable for all users.
- Limited Acceptance: As an American Express card, it has lower acceptance compared to Visa or Mastercard.
Rewards
- 1.25x points per $1 spent on all purchases
Insurance
Coverage
Travel Accident
$500,000Emergency Out of province Medical
15 daysFlight Delay
$1,000Baggage Delay
$1,000Lost or Stolen Baggage
$1,000Hotel Burglary Insurance
$1,000Trip Cancellation
$1,500Trip Interruption
$1,500Mobile Device Insurance
$1,500Car Rental Damage & Theft
YesExtended Warranty
1 yearPurchase Protection
90 days
Benefits
Details
Airport Lounge - American Express Global Lounge
Take full advantage of the American Express Global Lounge Collection™ which unlocks access to over 1400 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.Status lift
Earn Marriott Bonvoy Gold Elite status by spending $30,000 or staying 10 nights combined with 15 Elite Night Credits. Status retention depends on Marriott Bonvoy terms.Free Extra Night at Hotels
Each year, 8-10 weeks after your anniversary, receive a Free Night Award for a Marriott Bonvoy room up to 35,000 points, valid for 1 year. Resort fees excluded.
Interest on Balance
Up to 55 interest-free daysNexus Program Rebate
Access a $100 credit for NEXUS with your CardmembershipConcierge Services
Personalized concierge at your serviceDiscount
Your Business Platinum Card gets you savings on the seats you really want and lower fares on premium tickets with participating airlinesAmerican Express® Experiences
Access Front Of The Line® Presale & Reserved Tickets to some of your favourite concerts, theatre shows, and special offers with American Express® ExperiencesPriority Travel
At Toronto Pearson Airport get Priority Security lane, Complimentary valet and 15% discount at the Express Park and daily parkTravel Credit
Access a $200 Annual Travel Credit each year of your Cardmembership
Wireless Credit
Up to $120 in statement credits each year. Spend $10 each month with eligible wireless providers month and get a $10 credit.
Business Statement Credits
Up to $500 in business statement credits. Enroll and earn statement credits on eligible purchases with $200 Dell statement credit, $300 Indeed statement credit.Complimentary Hotel Benefits
Enjoy Fine Hotels + Resorts benefits at over 1,600 properties worldwide like guaranteed late check-out, complimentary breakfast for two, and more with Business Platinum.
Eligibility
Credit Score
GoodAnnual Income
N/A
*American Express is not responsible for maintaining or monitoring the accuracy of information on this website. If you apply and get approved for an American Express Card, (I/we) may receive compensation from American Express, which can be in the form of monetary payment. Check here for full details and current product information.
Identical to the American Express Platinum Card, the American Express Business Platinum Card comes with some corporate perks.
Like the Platinum Card, the American Express Business Platinum Card is absolutely stacked with benefits, with shared premium perks like unlimited access to the American Express Global Lounge Collection, an annual travel credit, and Priority Travel perks, plus business twists like wireless provider credits, business statement credits, and interest-free days on your credit card balance.
The insurance coverage is also pretty extensive, with important protections like trip interruption and trip cancellation insurance, flight and baggage delay insurance, and car rental damage and theft insurance.
The rewards program is particularly uncomplicated, with a flat-rate of points per dollar spent on all purchases.
In summary, if you’re a fan of the travel perks included on the American Express Platinum Card, and you’d benefit from a few business-focused inclusions, then the American Express Business Platinum Card is practically calling your name.
APPLY NOW
on American Express' website
Welcome Bonus
Earn 40,000 bonus Membership Rewards® points
Rewards Rate
1x point
Points
Annual Fee
$199
Interest Rates
21.99% - 29.99%* / N/A*
The American Express® Business Gold Rewards Card is an excellent choice for business owners who also travel 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.
Pros
- Flexible Rewards: Enjoy flexible Membership Rewards point conversion with up to 2.1 cents per point in average value.
- Travel Perks: Includes $100 annual travel credit when you spend at least 2 nights through booking with the Hotel Collection with American Express Travel
Cons
- Foreign Transaction Fees: A 2.5% fee applies to foreign transactions.
- Limited Travel Insurance: No travel medical insurance, trip cancellation or interruption coverage.
- Lower Acceptance: As an American Express card, it may have lower acceptance compared to Visa or Mastercard.
Rewards
- 1x point per $1 spent on all purchases
- 10,000 points each quarter when you charge $20,000 in net purchases to your card
Insurance
Coverage
Mobile Device Insurance
$1,000Flight Delay
$500Baggage Delay
$500Hotel Burglary Insurance
$500Lost or Stolen Baggage
$500Travel Accident
$100,000Car Rental Damage & Theft
yesPurchase Protection
90 daysExtended Warranty
1 year
Benefits
Details
Amex Experiences™
Access Front Of The Line® Amex Presale & Reserved Tickets to some of your favourite concerts and theatre performances and special offers and events curated for Cardmembers with Amex Experiences™Travel Credit
Book two or more consecutive nights at participating properties through The Hotel Collection with American Express Travel to receive a $100 credit for amenities or a complimentary room upgrade, if available.Priority Travel
Enjoy premium benefits at the Toronto Pearson Airport, including access to the Pearson Priority Security Lane and discount on parking.
Eligibility
Credit Score
GoodAnnual Income
N/A
*American Express is not responsible for maintaining or monitoring the accuracy of information on this website. If you apply and get approved for an American Express Card, (I/we) may receive compensation from American Express, which can be in the form of monetary payment. Check here for full details and current product information.
If you’re looking for a card that’s business-focused but more affordable, take a look at the American Express Business Gold Rewards Card instead – it’s truly a fraction of the annual cost of the American Express Business Platinum Card!
Like the American Express Business Platinum Card, the American Express Business Gold Rewards Card has a flat-rate rewards program.
Sure, the insurance on this card isn’t as extensive or impressive as the insurance on the American Express Business Platinum Card – but that’s to be expected on a card with a lower annual fee!
In terms of benefits, the American Express Business Gold Rewards Card has fewer perks than the American Express Business Platinum Card, but it still provides cardholders with a travel credit earned through consecutive bookings made through participating hotel partners, and bonus points each quarter when you charge a specific amount in net purchases to the card.
So, if you don’t want to splurge on the American Express Business Platinum Card, the American Express Business Gold Rewards Card is a great alternative for business travel.
APPLY NOW
on American Express' website
Welcome Bonus
Earn 60,000 Marriott Bonvoy® points
Rewards Rate
2x - 5x points
Points
Annual Fee
$150
Interest Rates
21.99%* / 21.99%*
The Marriott Bonvoy® Business American Express® Card offers strong rewards, especially for frequent travelers who stay at Marriott properties, with the ability to earn 5 points per $1 spent and a generous welcome bonus. Additionally, the annual free night certificate and automatic Silver Elite status add value for business owners. However, the $150 annual fee and the lower acceptance rate of American Express might be drawbacks for some users, particularly those who don't travel frequently or prefer more widely accepted cards.
Pros
- High Welcome Bonus: Earn up to 60,000 points, which can be highly valuable when redeemed for hotel stays or transferred to airline partners.
- Strong Rewards at Marriott Properties: Earn 5 points per $1 spent at Marriott properties, and 3 points per $1 on gas, dining, and travel.
- Annual Free Night Certificate: Receive a certificate worth 35,000 points annually.
- Automatic Silver Elite Status: Enjoy perks like late checkout and room upgrades at Marriott hotels.
Cons
- Lower Acceptance: As an American Express card, it has lower acceptance compared to Visa or Mastercard.
- Annual Fee: $150 annual fee, which may be a consideration if you don't use the card's benefits frequently.
Rewards
- 5x points per $1 on eligible purchases at participating Marriott Bonvoy hotels
- 3x points per $1 on eligible gas, dining and travel purchases
- 2x points per $1 on all other purchases (everyday business expenses and more)
Insurance
Coverage
Travel Accident
$500,000Flight Delay
$500Baggage Delay
$500Lost or Stolen Baggage
$500Hotel Burglary Insurance
$500Mobile Device Insurance
$1,000Car Rental Damage & Theft
YesExtended Warranty
1 yearPurchase Protection
90 days
Benefits
Details
Status lift
Earn Marriott Bonvoy Gold Elite status by spending $30,000 or staying 10 nights combined with 15 Elite Night Credits. Status retention depends on Marriott Bonvoy terms.Free Extra Night at Hotels
Each year, 8-10 weeks after your anniversary, receive a Free Night Award for a Marriott Bonvoy room up to 35,000 points, valid for 1 year. Resort fees excluded.
Eligibility
Credit Score
GoodAnnual Income
N/A
*American Express is not responsible for maintaining or monitoring the accuracy of information on this website. If you apply and get approved for an American Express Card, (I/we) may receive compensation from American Express, which can be in the form of monetary payment. Check here for full details and current product information.
If you happen to frequently check-in to Marriott properties on business trips, then the Marriott Bonvoy Business American Express Card sounds like your kind of card.
Contrary to its above competitors, this card offers specialized categories to earn points rather than a flat-rate rewards program. With the Marriott Bonvoy Business American Express Card, you’ll receive points per dollar spent on eligible purchases made at participating Marriott Bonvoy hotels, points per dollar spent on gas, dining and travel purchases, plus a higher-than-average base rate on all other purchases.
The insurance coverage on this card matches the insurance on the American Express Business Gold Rewards Card.
Also compared to the American Express Business Gold Rewards Card, the Marriott Bonvoy Business American Express Card has fewer benefits. Still, cardholders get valuable perks like the chance to earn Marriott Bonvoy Gold Elite Status when they meet certain spending requirements and combine their Elite Night Credits, plus free extra nights at Marriott hotels annually.
Therefore, the Marriott Bonvoy Business American Express Card is perfect for business travellers who want to spend the least annually on a business travel card, and those who constantly stay at Marriott Bonvoy hotels specifically.
Best No-Fee Travel Credit Cards
Before we bring things to a close, don’t worry, we haven’t forgotten about our budget-friendly travellers.
Below, you’ll find the best travel credit cards for no annual fee.
APPLY NOW
on American Express' website
Welcome Bonus
Up to 10,000 points ($210 value)
Rewards Rate
1x point
Points
Annual Fee
$0
Interest Rates
21.99%* / 21.99%*
The American Express® Green Card is a great option for those looking for a no-frills card that earns rewards on all purchases without any annual fee or minimum income requirement. It's an accessible card with no cap on rewards, making it ideal for those who want to earn points without the higher costs and complexities of premium cards. However, it does come with lower rewards earnings across most categories and a modest welcome bonus.
Pros
- No Spending Limits: Earn unlimited rewards with no caps.
- Flexible Redemption: Transfer points to other loyalty programs for maximum value.
- VIP Perks: Access a variety of exclusive benefits through Amex Experiences™.
- Eco-Friendly: The card is made from 99% recycled plastic.
Cons
- Lower Reward Rates: Earn rates are lower compared to other no-fee cards.
- Limited Travel Perks: Lacks some of the travel benefits and insurance options provided by other cards.
Rewards
- 1x point per $1 spent on all purchases
Insurance
Coverage
Purchase Protection
90 daysExtended Warranty
Up to a year
Benefits
Details
Amex Experiences™
With Amex Experiences™ and Front Of The Line® Amex Presale Tickets, American Express Cardmembers get access to amazing events in CanadaExtra points
2 points on Amex Travel Online purchases
Eligibility
Credit Score
FairAnnual Income
N/A
**Terms and conditions apply.
If you have 2 separate missed Payments, the applicable rates for your account will be 25.99%. If you have 3 or more separate missed payments, the applicable rates will be 29.99%.
American Express is not responsible for maintaining or monitoring the accuracy of information on this website. If you apply and get approved for an American Express Card, (I/we) may receive compensation from American Express, which can be in the form of monetary payment. Check here for full details and current product information.
The American Express Green Card offers up a flat rate of an American Express Membership Rewards point per dollar spent on all purchases. These points can then be transferred to airline partners (like Aeroplan at a 1:1 ratio), applied to a fixed point travel program, or transferred to hotel partners.
Unfortunately, the card comes with no travel insurance – just your basic purchase protection and extended warranty insurance.
As for benefits, you’ll get standard Amex Experiences and extra points on Amex Travel Online purchases.
While it might not seem like much, for no annual fees, casual travellers can still benefit from the American Express Green Card’s travel-friendly rewards program and perks like bonus points on Amex Travel Online purchases.
Our choice for: Flat cash back rate with some travel perks
APPLY NOW
on Rogers Bank's website
Welcome Bonus
N/A
Rewards Rate
1.5% - 3%
Cash Back
Annual Fee
$0
Interest Rates
20.99% - 25.99%* / 22.99% - 27.99%*
This card is one of the best in Canada, especially if you are a Rogers, Fido, or Shaw customer. With those services, you can effectively get a 3% cashback rate, which is higher than what almost any other card offers, even those with annual fees! Additionally, for a no-fee card, you gain access to an extensive list of travel benefits, many of which are typically offered only with cards that have annual fees. Therefore, we recommend this card to anyone who meets the income requirements, even if you are not a Rogers customer!
Pros
- Voted the Best Cash Back Card in Canada for Rogers, Fido and Shaw customers by FinlyWealth.
- Voted the Best No Annual Fee Credit Card in Canada by FinlyWealth.
- There is no annual fee which is a notable benefit for a card with such high rewards. Most cards with slightly lower reward rates typically include yearly fees.
- Many favorable benefits for travelers.
- Many benefits, such as trip cancellation insurance, are only available on credit cards with an annual fee. It is rare to see these benefits on a no-annual-fee card!
- Offers the flexibility to redeem cash towards Rogers, Shaw, or Fido services, potentially increasing your rewards.
- The roam-like benefit is a benefit unique only to this card.
- It is accepted at nearly all locations as it's a Mastercard.
Cons
- Harder to qualify due to the high credit score and income requirements.
- Out of all possible travel insurances, this card is missing Baggage delay and Hotel Burglary insurance. If these two insurances are essential to someone, this card needs to be paired with another travel card to cover them.
Rewards
- Earn 3% unlimited cash back on all eligible purchases made in U.S. dollars.^
- Earn 2% unlimited cash back on all eligible non-U.S. dollar purchases if you have 1 qualifying service with Rogers, Fido or Shaw.^
- Otherwise earn 1.5% unlimited cash back on eligible non-U.S. dollar purchases.^
- Get 1.5 times more cash back every time you redeem for Rogers, Fido or Shaw purchases.^
- 5 Roam Like Home days at no cost with an eligible Rogers mobile plan every year (up to $80 value).^
Insurance
Coverage
Emergency Out of province Medical
$1M, Up to 10 daysEmergency Medical Over 65
$1M, Up to 3 daysTrip Cancellation
$1,000/person, $5,000 maximumTrip Interruption
$1,000/person, $5,000 maximumCar Rental Damage & Theft
31 days, $65,000 car MSRPPurchase Protection
90 daysExtended Warranty
1 year
Benefits
Details
Airport Lounge - Dragon Pass
Pass only, complimentary visits not includedNo Cost roaming
5 days
Eligibility
Credit Score
GoodAnnual Income
$80,000 personal or $150,000 household
**, ^, Terms and conditions apply. Rogers Bank is not responsible for maintaining or controlling the accuracy of the information published on this website. For full and up-to-date product information, visit Rogersbank.com. Standard rate on Purchases and Fees: 20.99%. Standard rate on Cash Advances, Cash-like Transactions and Balance Transfers: 22.99%. If you are not approved for an Account at the above rates and you reside outside Quebec, we (Rogers Bank) may still issue you an Account at our alternate interest rates, as follows: Standard Rate for Purchases and Fees: 25.99%, Standard Rate for Cash Advances, Cash-like Transactions and Balance Transfers: 27.99%. ®/TM Mastercard and World Elite are registered trademarks and the circles design is a trademark of Mastercard International Incorporated. Used under license. TM Rogers and Mobius Design, Rogers Bank and related marks, logos and brand names are trademarks of Rogers Communications Inc., or an affiliate, used under license. © 2025 Rogers Bank. Rogers Bank is the issuer of this credit card. Check here for full details and current product information.
While the Rogers Red World Elite Mastercard doesn’t have a travel-specific rewards or redemption program, it does come with some impressive travel insurance and perks for a no-fee credit card.
Instead of earning you points that can later be redeemed towards travel (like the American Express Green Card), the Rogers Red World Elite Mastercard earns you cashback on all U.S dollar purchases, plus nice cashback on all regular purchases if you have a qualifying Rogers, Fido, or Shaw service account – otherwise the rate is a bit lower. You can also receive a redemption bonus on your earned cashback when you use your cashback towards Rogers, Fido, and Shaw purchases.
As mentioned, the real draw of the Rogers Red World Elite Mastercard for travellers that want to avoid annual fees is the card’s travel coverage and perks. For travel coverage, expect valuable inclusions like car rental damage and theft insurance, emergency out of province medical insurance, emergency medical over 65 insurance, plus trip interruption and trip cancellation insurance – which is all very rare to be featured on a no-fee credit card!
For benefits, you’ll find a Dragon Pass membership (without complimentary visits) and no cost roaming – two perks that cater to casual travellers.
Unfortunately, the Rogers Red World Elite Mastercard comes with some high income requirements. So while cardholders may be budget-conscious, they’re also high-earners.
All in all, the Rogers Red World Elite Mastercard is a solid option for high-earning casual travellers that want to save on annual fees and still earn impressive travel coverage and benefits. Explore its features in more depth here.
What's on this Page
- Best Overall Travel Credit Card
- Best Credit Cards for Collecting Travel Points
- Best Travel Credit Cards for No Foreign Transaction Fees
- Best Luxury Travel Credit Cards
- Best Travel Credit Card for Trips Booked Through Expedia For TD
- Best Aeroplan-Branded Travel Credit Cards
- Best Travel Credit Cards for Air Miles
- Best Cathay-Pacific-Branded Travel Credit Card
- Best WestJet-Branded Travel Credit Card
- Best British-Airways-Branded Travel Credit Card
- Best Marriott-Bonvoy-Branded Travel Credit Card
- Best Travel Credit Cards for Business Trips
- Best No-Fee Travel Credit Cards
About the author
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Since graduating from the University of Western Ontario, Sara has built a diverse writing portfolio, covering topics in the travel, business, and wellness sectors. As a self-started freelance content ...
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