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Travel reward credit cards help you earn more on your spending and save on future trips. The best card for you depends on where you spend most and how you prefer to redeem points. Some offer flexible rewards across many categories, while others focus on travel-specific spending or premium perks. Below is a selection of top cards that deliver the highest travel value for your everyday purchases.
Our choice for: Highest rewards on groceries & dining
on MBNA's website
Welcome Bonus
Up to 30,000 points ($245 in cash back value or $300 when redeemed for MBNA Travel)††
Annual Fee
$120
Interest Rates
21.99% / 22.99%
RECOMMENDED CREDIT SCORE
5/5
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.
Awards & Recognition

Best Rewards Credit Card
2026
Pros
Cons
Rewards
Insurance
Coverage
Mobile Device Insurance
Purchase Protection
Extended Warranty
Car Rental Damage & Theft
Flight Delay
Common Carrier Travel Accident Insurance
Travel Medical Insurance (64 & under)
Lost or Stolen Baggage
Baggage Delay
Price Protection
Benefits
Details
Annual Birthday Bonus
Car Rental Discount
Trip and legal Assistance
Concierge Services
Eligibility
Credit Score
Annual Income
If you're looking for a credit card that earns some of the highest travel rewards in Canada, this card is a great choice. You can redeem your points for flights, hotel stays, vacation packages, and rental cars at a fixed point value, making redemption simple and predictable. Since it’s part of the Mastercard network, it's also widely accepted internationally.
Our choice for: Best travel points earning credit card in Canada
on American Express' website
Welcome Bonus
Up to 15,000 Membership Rewards® points
Annual Fee
$191.88⁕
$15.99 Paid Monthly
⁕ For Quebec, $191.88/year
Interest Rates
21.99%* / 21.99%*
RECOMMENDED CREDIT SCORE
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
Rewards
Insurance
Coverage
Travel Medical Insurance (64 & under)
Flight Delay
Baggage Delay
Hotel Burglary Insurance
Lost or Stolen Baggage
Common Carrier Travel Accident Insurance
Car Rental Damage & Theft
Mobile Device Insurance
Purchase Protection
Extended Warranty
Benefits
Details
Amex Experiences™
Travel Credit
Eligibility
Credit Score
Annual Income
If you're willing to put in the time to hunt for great deals across different airline and hotel programs, the Cobalt is one of the best cards you can get. It offers one of the highest overall earning rates for most Canadians, and its points are among the most flexible in the country.
For example, you can transfer your points to programs like Aeroplan, KLM Flying Blue, British Airways Executive Club, Cathay Pacific Asia Miles, Delta SkyMiles, Etihad Guest, as well as Marriott Bonvoy and Hilton Honors. This makes it incredibly versatile—but you do need to be strategic about how you redeem your points to get the best value.
on American Express' website
Welcome Bonus
Up to 10,000 Membership Rewards® points
Annual Fee
$0
Interest Rates
21.99%* / 21.99%*
RECOMMENDED CREDIT SCORE
2.8/5
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
Cons
Rewards
Insurance
Coverage
Purchase Protection
Extended Warranty
Benefits
Details
Amex Experiences™
Extra points
Eligibility
Credit Score
Annual Income
You earn points in a way similar to the Cobalt, but this card has no annual fee. However, the trade-off is that the points you earn are significantly lower compared to the Cobalt’s much higher earning rates.
on TD's website
Welcome Bonus
Up to $1,450 in value† including up to 45,000 Aeroplan points†
Annual Fee
$139 $0
Interest Rates
21.99% / 22.99%□
RECOMMENDED CREDIT SCORE
4.5/5
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 rebate, 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.
Awards & Recognition

Best Aeroplan Credit Card
2026
Pros
Cons
Rewards
Insurance
Coverage
Travel Medical Insurance (64 & under)†
Travel Medical Insurance (65 to 75)†
Trip Cancellation†
Trip Interruption†
Flight Delay†
Baggage Delay†
Lost or Stolen Baggage†
Common Carrier Travel Accident Insurance†
Car Rental Damage & Theft†
Hotel Burglary Insurance†
Purchase Protection†
Extended Warranty†
Mobile Device Insurance†
Benefits
Details
Free first checked bag†
Nexus Program Rebate†
Visa Infinite Exclusive Benefits†
Concierge Services†
Golf Benefit†
Extra points†
Extra points†
Status lift†
Car Rental Discount†
Trip and legal Assistance†
Eligibility
Credit Score
Annual Income
If you travel with Air Canada frequently and want to earn points while enjoying added perks on your flights, this card is an excellent fit.
Our choice for: Great rewards, travel benefits and no FX fees
on Scotiabank's website
Welcome Bonus
Earn up to $850 in welcome offers
Annual Fee
$120
Interest Rates
20.99% / 22.99%
RECOMMENDED CREDIT SCORE
4.9/5
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
Cons
Rewards
Insurance
Coverage
Travel Medical Insurance (64 & under)
Travel Medical Insurance (65 to 75)
Trip Cancellation
Trip Interruption
Lost or Stolen Baggage
Baggage Delay
Flight Delay
Common Carrier Travel Accident Insurance
Car Rental Damage & Theft
Hotel Burglary Insurance
Mobile Device Insurance
Purchase Protection
Extended Warranty
Benefits
Details
No Foreign Transaction Fees
American Express® Experiences
Concierge Services
Discount
Eligibility
Credit Score
Annual Income
The Scotiabank Gold card is one of the top travel reward earners in Canada and also offers the rare perk of no foreign transaction fees—perfect for frequent travelers. If you want strong rewards combined with this valuable benefit, this card is an excellent choice.