12 Best Travel Credit Cards of November 2025 in Canada

on Scotiabank's website

$100 $150 Cash Rebate From FinlyWealth expiring on + Up to 45,000 Scene+ points ($450 value)

Welcome Bonus

Up to 45,000 Scene+ points ($450 value)

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

MBNA Rewards World Elite® Mastercard®

Our Take

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 & Cons

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.

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
$2M/insured up to 25 days
Travel Medical Insurance (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
$1000
Baggage Delay
$1000
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 for Travel Points Collection and high international acceptance

5.0

on MBNA's website

$120 $200 Cash Rebate From FinlyWealth expiring on + Up to 30,000 points ($245 in cash back value or $300 when redeemed for MBNA Travel)††

Welcome Bonus

Up to 30,000 points ($245 in cash back value or $300 when redeemed for MBNA Travel)††

Rewards Rate

1x - 5x Points

Annual Fee

$120

Interest Rates

21.99% / 22.99%

RECOMMENDED CREDIT SCORE

300

Poor

560

Fair

660

Good

725

Very Good

760

Excellent

American Express Cobalt® Card

Our Take

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 & Cons

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.

Card Details

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
$1000
Purchase Protection
Up to 90 days
Extended Warranty
Up to a year
Car Rental Damage & Theft
31 days
Flight Delay
$500/person after 4 hours
Common Carrier Travel Accident Insurance
$1,000,000
Travel Medical Insurance
$2M for 21 days
Lost or Stolen Baggage
$1000/person
Baggage 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
Good
Annual 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.

Our choice for: Best for Most Flexible Travel Points

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

560

Fair

660

Good

725

Very Good

760

Excellent

Scotiabank Gold American Express® Card

Our Take

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.

Pros & Cons

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
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

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
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: Best for Insurance Coverage

4.9

on Scotiabank's website

$75 $150 Cash Rebate From FinlyWealth expiring on + Up to 50,000 Scene+ points ($500 value)

Welcome Bonus

Up to 50,000 Scene+ points ($500 value)

Rewards Rate

1x - 6x

Annual Fee

$120 $0

Interest Rates

20.99% / 22.99%

RECOMMENDED CREDIT SCORE

300

Poor

560

Fair

660

Good

725

Very Good

760

Excellent

Rogers Red World Elite® Mastercard®

Our Take

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

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.

Card Details

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

Travel Medical Insurance
$1M, Up to 25 days
Travel Medical Insurance (65+)
$1M, Up to 3 days
Trip Cancellation
$1500/person, $10000/trip
Trip Interruption
$1500/person, $10,000/trip
Lost or Stolen Baggage
$500/person, $1000/trip
Baggage Delay
$500/person, $1,000/trip After 4 hours
Flight Delay
$500/person
Common Carrier Travel Accident Insurance
$500K/person, $1M/occurrence
Car Rental Damage & Theft
$65K up to 48 days
Hotel Burglary Insurance
$1000/occurrence
Mobile Device Insurance
$1,000
Purchase Protection
90 days
Extended Warranty
Up to 1 year

Benefits

Details

No Foreign Transaction Fees
Avoid the 2.5% foreign transaction fees incurred when spending in non $CAD
American Express® Experiences
Concierge Services
Discount
Discount on PriorityPass Membership

Eligibility

Credit Score
Good
Annual 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.

Our choice for: Best No Fee Travel Card

4.8

on Rogers Bank's website

Welcome Bonus

Get $60 in cash back value(1)

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

TD First Class Travel® Visa Infinite* Card

Our Take

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 & Cons

Pros

Voted the Best No Annual Fee Cash Back 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 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, Comwave or Fido services, potentially increasing your rewards.
The Roam Like Home benefit is a benefit unique only to this card through an eligible Rogers mobile plan.
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.

Card Details

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, Comwave 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, Comwave or Shaw purchases.^{^}
5 Roam Like Home days at no cost with an eligible Rogers mobile plan every year (up to $90 value).^{^}

Insurance

Coverage

Travel Medical Insurance
Up to 10 days
Travel Medical Insurance (65+)
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
No Cost roaming
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, 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.

Our choice for: Best Expedia for TD Travel Card

4.7

on TD's website

Welcome Bonus

Earn up to $1,400 in value†, including up to 165,000 TD Rewards Points† and no Annual Fee for the first year†. Conditions Apply.

Rewards Rate

2x - 8x

Annual Fee

$139 $0

Interest Rates

21.99% / 22.99%□

RECOMMENDED CREDIT SCORE

300

Poor

560

Fair

660

Good

725

Very Good

760

Excellent

American Express® Aeroplan®* Reserve Card

Our Take

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 & Cons

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.

Card Details

Rewards

Earn 8 TD Rewards Points^†for every $1 you spend when you book travel through Expedia^®For TD^†
Earn 6 TD Rewards Points^† for every $1 you spend on Groceries, Dining, and Public Transit^†
Earn 4 TD Rewards Points^† for every $1 you spend on Recurring Bill Payments and Streaming, Digital Gaming & Media^†
Earn 2 TD Rewards Points For every $1 you spend on other Purchases made using your Card^† plus earn an annual Birthday Bonus^† of up to 10,000 TD Rewards Points

Insurance

Coverage

Travel Medical Insurance^†
21 days
Travel Medical Insurance (65+)^†
4 days
Trip Cancellation^†
$1,500
Trip Interruption^†
$5,000
Flight Delay^†
$500
Baggage Delay^†
$1,000
Lost or Stolen Baggage^†
$1,000
Common Carrier Travel Accident Insurance^†
$500,000
Car Rental Damage & Theft^†
yes
Hotel Burglary Insurance^†
$2,500
Purchase Protection^†
90 days
Extended Warranty^†
Up to 1 year
Mobile 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.S
Extra points^†
Earn 50% more Stars and 50% more Aeroplan points at participating Starbucks stores
Annual Birthday Bonus^†
Earn a Birthday Bonus of up to 10,000 TD Rewards Points
Car Rental Discount^†
10% off base rate of Avis Rent A Car and Budget Rent A Car
Travel Credit^†
Get an annual TD Travel Credit of $100 when you book at Expedia For TD
Airport 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
Good
Annual Income
$60,000 personal or $100,000 household

^*†Terms and conditions apply. Sponsored advertising. The Toronto-Dominion Bank (TD) is not responsible for the contents of this site including any editorials or reviews that may appear on this site. For complete and current information on this TD credit card, please click the Apply Now button. Check here for full details and current product information.

Our choice for: Best Luxury Aeroplan Card

4.7

on American Express' website

Welcome Bonus

Earn up to 85,000 Aeroplan® points

Rewards Rate

1.25x - 3x

Annual Fee

$599

Interest Rates

21.99%* / 21.99%*

RECOMMENDED CREDIT SCORE

300

Poor

560

Fair

660

Good

725

Very Good

760

Excellent

American Express Platinum Card®

Our Take

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 & Cons

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.

Card Details

Rewards

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

Insurance

Coverage

Travel Medical Insurance
$5M/insured up to 15 days
Trip Cancellation
$1.5K/person, $3K/trip
Trip Interruption
$1.5K/person, $6K/trip
Flight Delay
$1,000/person after 4 hours
Baggage Delay
$1K/person after 6 hours
Lost or Stolen Baggage
$1K
Common Carrier Travel Accident Insurance
$500,000
Car Rental Damage & Theft
$85K Up to 48 consecutive rental days
Hotel Burglary Insurance
$1000
Purchase Protection
90 days
Extended 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 guests
Nexus Program Rebate
$100 every 4 years
Amex Experiences™
Amex Experiences™ opens doors for you to access a number of special events, including special dining experiences, VIP parties, advance film screenings and more
Extra points
Earn points twice at over 150 Aeroplan partner brands and over 170 online retailers through the Aeroplan eStore
Status lift
Reach Aeroplan Elite™ Status sooner by earning 1,000 Status Qualifying Miles and one (1) Status Qualifying Segment for every $5,000 of net purchases
Status lift
Complimentary upgrade to Avis® President's Club
Status lift
Primary Cardholders who also hold Aeroplan Elite Status can roll over up to 200,000 Status Qualifying Miles (SQM) beyond the status level for which they’ve qualified, from the prior qualification year to qualify for status the next year.
Status lift
Primary Cardholders who also hold Aeroplan Elite Status will benefit from an extra 12 months to use eUpgrade credits, for a total of 24 months from issuance.
Priority Travel
At Toronto Pearson airport get benefits such as Priority Security lane, Complimentary valet, premium parking spots, priorioty taxi and limo lane and discount for parking and car care.
Priority Travel
Get Priority Check-in, Priority Boarding and Priority Baggage Handling, Priority Airport Standby & Priority Airport Upgrades for you, your authorized users and up to 8 companions on the same flight (Only AirCanada)
Airport Lounge - Priority Pass
Pass only. No Complimentary visits!
Airport Lounge - Maple Leaf and AirCanada Cafes
Unlimited Access for you and one guest
Companion Voucher
Annual Worldwide Companion Pass from $99 to a max of $599 After spending $25,000 on your card
Free Extra Night at Hotels
Cardmembers can now get an extra night free for every 3 hotel nights redeemed with Aeroplan points. Enjoy even more at over 300,000 hotel properties worldwide

Eligibility

Credit Score
Good
Annual Income
N/A

Our choice for: Best Lounge Access Travel Card

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

560

Fair

660

Good

725

Very Good

760

Excellent

BMO VIPorter World Elite Mastercard®∗

Our Take

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 & Cons

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.

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
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: Best Porter Airlines Card

4.5

on BMO's website

$125 Cash Rebate From FinlyWealth + Get up to 70,000 VIPorter points and a round-trip companion pass.* Plus receive $1,000 in Qualifying Spend.*

Welcome Bonus

Get up to 70,000 VIPorter points and a round-trip companion pass.* Plus receive $1,000 in Qualifying Spend.*

Rewards Rate

1x - 3x points

Annual Fee

$199 $0

Interest Rates

21.99% / 23.99%□

RECOMMENDED CREDIT SCORE

300

Poor

560

Fair

660

Good

725

Very Good

760

Excellent

RBC Avion Visa Infinite Privilege

Our Take

This is easily the best credit card in Canada for frequent Porter airline (and its partners) travelers. Earning 2x VIPorter points on common everyday purchases like groceries, dining and transportation is a massive benefit, allowing you to rack up points really fast and enjoy travel via Porter and it's airline partners. The premium benefits of this card make your travels smooth as you get priority security screening, early boarding and priority re-accommodation for flight delays, one complimentary checked bag, a carry-on bag with every fare type (including Basic), and complimentary PorterClassic seat selection.

Pros & Cons

Pros

No annual fee in the first year!
A massive welcome bonus with a value that easily exceeds $1,000, especially with the one companion pass
Points can be redeemed across Porter's expanding North American network, as well as Porter's growing list of global airline partners, currently featuring flights operated by Air Transat and Alaska Airlines sold on flyporter.com.
2x points on common everyday purchases such as groceries, dining, gas, transportation, etc. where points are valued at 1.5 cents per point on average

Cons

Annual fee of $199 is definitely on the higher side for an airline loyalty card
Having to spend $50,000 in the first year just to qualify for the annual companion pass
Points can only be redeemed towards flights currently
Spending caps on common categories like groceries and dining for earning 2x multiplier may be low for large families

Card Details

Rewards

Earn 3 VIPorter points for every $1 spent on eligible Porter purchases via flyporter.com (up to $20,000 in spending annually)
Earn 2 VIPorter point for every $1 spent on eligible gas and transportation purchases (up to $5,000 in spending annually combined)
Earn 2 VIPorter point for every $1 spent on eligible groceries and dining purchases (up to $10,000 in spending annually combined)
Earn 2 VIPorter point for every $1 spent on eligible hotel accommodation purchases (up to $5,000 in spending annually)
Earn 1 VIPorter point for every $1 spent everywhere else
Primary cardholders will receive an annual companion pass after spending a minimum of $50,000 (less refunds and excluding cash advances, cash-like transactions, interest charges, fees, credit or debit adjustments) within the first 365 days after the account open date. On the anniversary date of your card, the calculation of the purchases will reset to zero and primary cardholders must qualify again for the new annual period.

Insurance

Coverage

Extended Warranty
1 year
Purchase Protection
90 days
Travel Medical Insurance
Up to $5M per insured person, per trip, for 21 days per trip
Common Carrier Travel Accident Insurance
Up to $500,000 per insured person
Trip Cancellation
Up to $1,500 per insured person, per trip (maximum of $5,000 per trip for all insured persons combined)
Trip Interruption
$2,000 per insured person
Flight Delay
Up to a maximum of $500 per trip for all insured persons combined
Baggage Delay
Up to $500 per insured person, to a maximum of $1,000 per trip for all insured persons combined, for the purchase of essential items
Lost or Stolen Baggage
Up to $500 per insured person to a maximum of $1,000 per trip for all insured persons combined
Hotel Burglary Insurance
Up to $1,000 per occurrence for all insured persons combined
Car Rental Damage & Theft
Rental period up to 48 days, with a Manufacturer’s Suggested Retail Price (MSRP) of up to $65,000

Benefits

Details

Airport Lounge - Dragon Pass
Complimentary membership in Mastercard Travel Pass provided by DragonPass. As a member enjoy lounge access for a fee of just US$32 per person, per visit.*
Free first checked bag
1 complimentary checked bag as well as 1 complimentary carry-on bag on all Porter fare types up to 8 companions travelling on the same booking
Companion Voucher
A round-trip companion pass per year
Priority Travel
Priority check-in, security, and early boarding for up to 8 companions travelling on the same booking
Car Rental Discount
Save up to 20% on National Car Rental®†† and Alamo Rent A Car®†† and up to 5% on Enterprise Rent-A-Car®†† at locations worldwide using the Car Rental Booking tool
Hotel Booking Discount
Save up to 7% on your Booking.com prepaid hotel or property rental bookings at booking.com/mastercardcanada*
Mastercard On-Demand and Subscription Services

Eligibility

Credit Score
Good
Annual 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.

Our choice for: Best Premium Avion Card

4.4

on RBC's website

Welcome Bonus

Up to 70,000 Avion points*

Rewards Rate

1.25x points

Annual Fee

$399

Interest Rates

20.99% / 22.99%□

RECOMMENDED CREDIT SCORE

300

Poor

560

Fair

660

Good

725

Very Good

760

Excellent

American Express Gold Rewards Card®

Our Take

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

Pros & Cons

Pros

High-value 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.

Card Details

Rewards

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

Insurance

Coverage

Purchase Protection
120 days
Extended Warranty
Up to 2 years
Mobile Device Insurance
$1,500
Common Carrier Travel Accident Insurance
$500,000
Travel Medical Insurance
31 days
Travel Medical Insurance (65+)
7 days
Trip Interruption
$5,000
Trip Cancellation
$2,500
Hotel Burglary Insurance
$3,000
Baggage Delay
$750
Lost or Stolen Baggage
$2,500
Flight Delay
$1,000
Car Rental Damage & Theft
yes

Benefits

Details

Airport Lounge - Dragon Pass
Visa Airport Companion membership + 6 complimentary airport lounge visits per year
Gas Discount
save 3¢/L on fuel and always earn 20% more Petro-Points at Petro-Canada and 20% more Avion points at Petro-Canada
Extra points
50 Be Well points for every $1 spent on eligible products at Rexall
Concierge Services
Connect to the Visa Infinite Privilege Concierge like having a personal assistant on call!
Priority Travel
Enjoy global airport lounge access, airport security fast track lanes, and dedicated airport parking at select Canadian airports
Visa Infinite Exclusive Benefits
Dining series and Visa Infinite Luxury Hotel Collection offers with benefits like late check out and upgrades

Eligibility

Credit Score
Good
Annual 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.

Our choice for: Best Well-Balanced Entry-Level Travel Card

4.3

on American Express' website

Welcome Bonus

Earn up to 60,000 Membership Rewards® points

Rewards Rate

1x - 2x Points

Annual Fee

$250

Interest Rates

21.99%* / 21.99%*

RECOMMENDED CREDIT SCORE

300

Poor

560

Fair

660

Good

725

Very Good

760

Excellent

TD® Aeroplan® Visa Infinite Privilege* Credit Card

Our Take

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

Pros & Cons

Pros

Flexible Rewards: 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.

Card Details

Rewards

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

Insurance

Coverage

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

Benefits

Details

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

Eligibility

Credit Score
Good
Annual Income
N/A

^**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.

Our choice for: Best Extensive Aeroplan Perks Card

4.3

on TD's website

Welcome Bonus

Up to $3,000 in value† including up to 85,000 Aeroplan points† could be yours. Conditions Apply.

Rewards Rate

1.25x - 2x

Annual Fee

$599

Interest Rates

21.99% / 22.99%□

RECOMMENDED CREDIT SCORE

300

Poor

560

Fair

660

Good

725

Very Good

760

Excellent