6 Excellent Travel Credit Cards of 2026

on Scotiabank's website

Welcome Bonus

Earn up to $1,500 in value, including up to 60,000 bonus Scene+ points

Rewards Rate

1x - 3x

Annual Fee

$150

Interest Rates

20.99% / 22.99%

RECOMMENDED CREDIT SCORE

300

Poor

560

Fair

660⁎

Good

725⁎

Very Good

760⁎

Excellent

⁎Estimates based on Equifax scoring

American Express Cobalt® Card

Our Rating

4.9/5

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

Awards & Recognition

Best Travel Credit Card

2026

Pros & Cons

Pros

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

Cons

High income requirements
High annual fee

Card Details

Rewards

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

Insurance

Coverage

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

Benefits

Details

No Foreign Transaction Fees
Avoid the usual 2.5% forex fees on your purchases when you travel outside of Canada
Airport Lounge - Dragon Pass
6 Free complimentary visits
Status lift
Avis® Preferred Plus membership
Concierge Services
Visa Infinite Exclusive Benefits

Eligibility

Credit Score
Good
Annual 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.

Our choice for: Best travel points earning credit card in Canada

4.9

on American Express' website

Welcome Bonus

Up to 15,000 Membership Rewards® points

Rewards Rate

1x - 5x

Annual Fee

$191.88⁕

$15.99 Paid Monthly

⁕ For Quebec, $191.88/year

Interest Rates

21.99%* / 21.99%*

RECOMMENDED CREDIT SCORE

300

Poor

693

Fair

743⁎

Good

790⁎

Very Good

833⁎

Excellent

⁎Estimates based on TransUnion scoring

American Express Platinum Card®

Our Rating

4.9/5

This card was voted one of 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.

Awards & Recognition

Best Travel Rewards Credit Card

2026

Pros & Cons

Pros

Impressive optimization
1:1 Aeroplan point transfer
Generous welcome bonus
Flexible high value redemptions
Comprehensive coverage
Highly ranked
Instant decision. No credit impact.

Cons

Limited acceptance
Lacks valuable coverage categories

Card Details

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

Travel Medical Insurance (64 & under)
15 days, up to $5M (if under age 65)
Flight Delay
$500
Baggage Delay
$500
Hotel Burglary Insurance
$500
Lost or Stolen Baggage
$500
Common Carrier Travel Accident Insurance
$250,000
Car Rental Damage & Theft
yes
Mobile Device Insurance
$1,000
Purchase Protection
90 days
Extended 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.

Eligibility

Credit Score
Good
Annual 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.

Our choice for: Travel Perks, Luxurious Travel, and Unlimited Lounge Access

4.6

on American Express' website

Welcome Bonus

Earn up to 100,000 Membership Rewards® points

Rewards Rate

1x - 2x

Annual Fee

$799

Interest Rates

21.99% - 30%* / N/A*

RECOMMENDED CREDIT SCORE

300

Poor

693

Fair

743⁎

Good

790⁎

Very Good

833⁎

Excellent

⁎Estimates based on TransUnion scoring

Rogers Red World Elite® Mastercard

Our Rating

4.6/5

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

Awards & Recognition

Best Lounge Access Credit Card

2026

Pros & Cons

Pros

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

Cons

High annual fee
Limited acceptance
Benefit limitations

Card Details

Rewards

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

Insurance

Coverage

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

Benefits

Details

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

Eligibility

Credit Score
Good
Annual Income
N/A

^**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.

Our choice for: Flat cash back rate with some travel perks

4.5

on Rogers Bank's website

Welcome Bonus

Welcome Bonus varies

Rewards Rate

1.5% - 3%

Cash Back

Annual Fee

Interest Rates

20.99% - 25.99%* / 22.99% - 27.99%*

RECOMMENDED CREDIT SCORE

300

Poor

560

Fair

660⁎

Good

725⁎

Very Good

760⁎

Excellent

⁎Estimates based on Equifax scoring

Marriott Bonvoy® American Express®* Card

Our Rating

4.5/5

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!

Awards & Recognition

Best No Fee Cash Back Credit Card

2026

Pros & Cons

Pros

Top no-fee contender
Service redemption boosts
Member earning boosts
USD optimization
Comprehensive coverage
Airport lounge membership
Roam Like Home days

Cons

High income requirements

Card Details

Rewards

Earn 3% cash back on eligible U.S. dollar purchases.
Plus, earns 2% cash back on all other purchases if you have 1 qualifying service with Rogers, Fido, Shaw or Comwave, Otherwise earn 1.5% on all other purchases.
Get 1.5x more cash back every time you redeem for eligible Rogers, Fido, Shaw or Comwave purchases. That's 3% cash back value. Exclusively with Rogers.

Insurance

Coverage

Travel Medical Insurance (64 & under)
Up to 10 days
Travel Medical Insurance (65 to 75)
Up to 3 days
Trip Cancellation
$1,000/person, $5,000 maximum
Trip Interruption
$1,000/person, $5,000 maximum
Car Rental Damage & Theft
31 days, $65,000 car MSRP
Purchase Protection
90 days
Extended Warranty
1 year

Benefits

Details

Airport Lounge - Dragon Pass
Pass only, complimentary visits not included
Roam Like Home Days
Roam Like Home: 5 days with eligible Rogers mobile plan

Eligibility

Credit Score
Good
Annual 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 and applicable terms and conditions, visit Rogersbank.com. ®/TM Mastercard, World Elite and the circles design are registered trademarks of Mastercard International Incorporated. Used under License. The Rogers Red World Elite® Mastercard is issued by Rogers Bank. 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. © 2026 Rogers Bank. Rogers Bank is the issuer of this credit card. Check here for full details and current product information.

Our choice for: Frequent Marriott Bonvoy Hotel Chain Visitors

Marriott Bonvoy® American Express®* Card

4.0

on American Express' website

Welcome Bonus

Earn up to 110,000 Marriott Bonvoy® points

Rewards Rate

2x - 5x

Annual Fee

$120

Interest Rates

21.99%* / 21.99%*

RECOMMENDED CREDIT SCORE

300

Poor

693

Fair

743⁎

Good

790⁎

Very Good

833⁎

Excellent

⁎Estimates based on TransUnion scoring

Neo Cathay World Elite® Mastercard®

Our Rating

4/5

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 & Cons

Pros

High hotel optimization
Annual free night certificate
Automatic Silver Elite status
Generous welcome bonus
Instant decision. No credit impact.

Cons

Low acceptance
Relatively weaker insurance

Card Details

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

Common Carrier Travel Accident Insurance
$500,000
Lost or Stolen Baggage
$500
Baggage Delay
$500
Flight Delay
$500
Hotel Burglary Insurance
$500
Purchase Protection
90 days
Extended Warranty
1 year
Car Rental Damage & Theft
yes

Benefits

Details

Free Extra Night at Hotels
Enjoy an Annual Free Night Award after your Card anniversary each year
Free 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®* Card
Status lift
Complimentary Marriott Bonvoy Silver Elite Status
Status 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 card
American Express® Experiences

Eligibility

Credit Score
Good
Annual Income
N/A

Our choice for: Travels to Asia

4.2

on Neo Financial's website

Welcome Bonus

Up to 60,000 Asia Miles (35,000 upon approval)

Rewards Rate

1x - 5x Asia Miles

Annual Fee

$180

Interest Rates

19.99% - 26.99%* / 22.99% - 28.99%*

RECOMMENDED CREDIT SCORE

300

Poor

560

Fair

660⁎

Good

725⁎

Very Good

760⁎

Excellent

⁎Estimates based on Equifax scoring