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By Credit Card Company
Canadian Travel Credit Card Comparison:
Hybrid Credit Cards
 

This chart is part of Rewards Canada's Guide to Choosing a Travel Rewards Credit Card
and is a comparison of all the Hybrid travel rewards credit cards in Canada.
"A Hybrid card is a combination of an airline and/or hotel card and a travel points card. You can convert your points to airline or hotel frequent travel programs or use the points to book travel via the credit card's travel agency or with some cards to book travel how you want and then redeem the points against the charge on your account."
We also offer the following comparison charts:

Feature / Card
American Express Cobalt Card
American Express Gold Rewards Card
The Platinum Card from American Express  
Diners Club Club Rewards Mastercard
HSBC World Elite Mastercard
RBC Avion Visa Infinite Privilege
Royal Bank Visa Platinum Avion
Royal Bank Visa Infinite Avion
Feature / Card
/
Fees/Costs
/
Annual Fee
$10 per month ($120 per year)
$150*
$699
 
$120
$0 in first year then $149*
$399
$120
First year free then $120 (if you apply by Jul 31, 18)
Annual Fee
Supp. Card Fee
$0
$0 for first card, $50* each additional card
$175 annually for Platinum Cards; $50 annually for Gold cards
 
$50
$50
$99
$50
$50
Supp. Card Fee
Interest Rate
19.99%
30% Non Revolving
30% Non Revolving
 
19.99%
19.99%
Purchase

22.9%
Cash Advance
19.99%
19.99%
19.99%
Interest Rate
Foregn Exchange Transaction Fee
2.5%
2.5%
2.5%
 
2.5%
0%
2.5%
2.5%
2.5%
Foregn Exchange Transaction Fee
Minimum Income
N/A
N/A
N/A
 
N/A
$80,000 personal or $150,000 household
or $400,000 in assets at any Canadian Financial Institution
$200,000 Household
N/A
$60,000 Personal or $100,000 Household
Minimum Income
Minimum Credit Limit
N/A
No Preset Limit
No Preset Limit
 
N/a

N/A

$5,000
$1,000
$5,000
Minimum Credit Limit
/
Reward Miles/Points Earning
/
Card
American Express Cobalt Card
American Express Gold Rewards Card
The Platinum Card from American Express
 
Diners Club Club Rewards Mastercard
HSBC World Elite Mastercard
RBC Avion Visa Infinite Privilege
Royal Bank Visa Platinum Avion
Royal Bank Visa Infinite Avion
Card
Welcome Bonus
Up to 40,000 Membership Rewards Points
25,000 Membership Rewards Points
50,000 Membership Rewards Points
 
0
75,000 Bonus HSBC Rewards Points *
25,000 points
15,000 points
Up to 25,000 points
(Apply by Jul 31, 18)
Welcome Bonus
Renewal Bonus
0
0
0
 
0
0
0
0
0
Renewal Bonus
Earning Ratio
5 Points/$ on Food & Drink

2 Points/$ on Travel, Transit & Gas

1 Point/$
on all other purchases
1 Point/$
2 Points/$ at grocery stores, gas stations or drug stores and on all Travel purchases
1.25 points/$
 
1 Point/$
6 Points per dollar on travel

3 Points per dollar all other spending
1.25 RBC Rewards point/$1
1 RBC Rewards point/$1

1 RBC Rewards point/$1

1.25 RBC Rewards points/$1 on all travel purchases
Earning Ratio
Bonus Features
$200 Annual Travel Credit

Also see our Amex Bonus Offers page
 
$100 annual travel enhancement credit

Unlimited Wi-Fi through Boingo at over 1 million hotspots worldwide
Bonus Features
/
Redemption/Exchange Options
/
Card
American Express Cobalt Card
American Express Gold Rewards Card
The Platinum Card from American Express
 
Diners Club Club Rewards Mastercard
HSBC World Elite Mastercard
RBC Avion Visa Infinite Privilege
Royal Bank Visa Platinum Avion
Royal Bank Visa Infinite Avion
Card
Miles/Points deposited to:
Membership Rewards
Membership Rewards
Membership Rewards
 
Club Rewards
HSBC Rewards
RBC Rewards
RBC Rewards
RBC Rewards
Miles/Points deposited to:
Travel Agency Redemption Value
10,000 Points = $100
10,000 Points = $100
10,000 Points = $100
 
100 Points = $1.50
100 points = $0.50
up to 2.3% on flights as per the Avion Air Travel Redemption Schedule (e.g. 15,000 pts = short-haul flight worth up to $350)
or
5000 Points = $50 for other travel
up to 2.3% on flights as per the Avion Air Travel Redemption Schedule (e.g. 15,000 pts = short-haul flight worth up to $350)
or
5000 Points = $50 for other travel
up to 2.3% on flights as per the Avion Air Travel Redemption Schedule (e.g. 15,000 pts = short-haul flight worth up to $350)
or
5000 Points = $50 for other travel
Travel Agency Redemption Value
Exchange Options
1 Point = 1 Points with Hilton,
.5 Points with SPG
1 Point = 1 Mile with Aeroplan, British Airways

1 Point = .75 Miles with Alitalia, Etihad , Cathay Pacific and Delta
1 Point = 1 Points with Hilton,
.5 Points with SPG
1 Point = 1 Mile with Aeroplan British Airways

1 Point = .75 Miles with Alitalia, Etihad , Cathay Pacific and Delta
1 Point = 1 Points with Hilton,
.5 Points with SPG
 
1,250 Points = 1000 Miles on
10 Airlines
2,250 Points = Various points with 7 Hotels
2.5 points = 1 British Airways Executive Club Avios

3 points = 1.35 Singapore Airlines KrisFlyer Miles 

3 points = 1.2 Cathay Pacific Asia Miles 
1 Point = 1 Mile on American, British Airways or Cathay Pacific

100 Points = 1 WestJet Dollar
1 Point = 1 Mile on American, British Airways or Cathay Pacific
1 Point = 1 Mile on British Airways or Cathay Pacific

1 Points = 0.7 miles on American Airlines

100 Points = 1 WestJet Dollar
Exchange Options
Redemption Centre
Any Travel Provider
Any Travel Provider
Any Travel Provider
 
Any Travel Provider
Any Travel Provider
RBC Rewards
RBC Rewards
RBC Rewards
Redemption Centre
/
Benefits
/
Card
American Express Cobalt Card
American Express Gold Rewards Card
The Platinum Card from American Express
 
Diners Club Club Rewards Mastercard
HSBC World Elite Mastercard
RBC Avion Visa Infinite Privilege
Royal Bank Visa Platinum Avion
Royal Bank Visa Infinite Avion
Card
Travel Accident Insurance
$250,000
$500,000
$500,000
 
$300,000
$500,000
$500,000
$500,000
$500,000
Travel Accident Insurance
Flight Delay Insurance
Yes
Yes
Yes
 
Yes
No
Yes
Yes
Yes
Flight Delay Insurance
Delayed, Lost, Stolen, Damaged Baggage Insurance
Yes
Yes
Yes
 
Yes
Yes
Yes
Yes
Yes
Delayed, Lost, Stolen, Damaged Baggage Insurance
Trip Cancellation Insurance
No
No
Yes
 
Optional***
Yes
Yes
No
Yes
Trip Cancellation Insurance
Trip Interuption Insurance
No
Yes
Yes
 
Optional***
Yes
Yes
No
Yes
Trip Interuption Insurance
Travel Medical Insurance
15 Days up to 65 years old
Yes
Yes
 
Optional***
31 Days for up to 65 years old
31 days for up to 64

7 Days for 65+
No
Yes
Travel Medical Insurance
Auto Rental/Loss Damage Insurance
Yes
Yes
Yes
 
Yes
Yes
Yes
Yes
Yes
Auto Rental/Loss Damage Insurance
Purchase Protection
Yes
Yes
Yes
 
Yes
Yes
Yes
Yes
Yes
Purchase Protection
Price Protection
No
No
No
 
No
No
No
No
No
Price Protection
Extended Warranty Plan
Yes
Yes
Yes
 
Yes
Yes
Yes
Yes
Yes
Extended Warranty Plan
Free Companion Air Ticket
No
No
Yes
 
One British Airways Companion Ticket yearly
No
No
No
No
Free Companion Air Ticket
Business Class Lounge Access
No
No
Yes
 
Yes. Various Lounges Worldwide

Yes

LoungeKey Membership

Free Airport Angel membership
No
No
Business Class Lounge Access
Priority Check In
No
No
No
 
No
No
No
No
No
Priority Check In
Hotel Burglary Insurance
Yes
Yes
Yes
 
No
No
Yes
Yes
Yes
Hotel Burglary Insurance
Travel Concierge Service
No
No
Yes
 
No
No
Yes
No
Yes
Travel Concierge Service
Enhanced Hotel/Dining Services
No
No
Yes
 
No
No
Yes
No
Yes
Enhanced Hotel/Dining Services
Overlimit Extended Purchasing
Yes
Yes
Yes
 
No
No
No
No
Yes
Overlimit Extended Purchasing
Link to Apply
 
Link to Apply
Notes:
N/A
N/A
 
Premier membership in Fairmont's President's Club after 3 visits
*** Fee Applies
* Apply by Dec 31, 18
20,000 points awarded upon approval. Then spend the following within 120 days to earn bonuses as follows: $1,000 - $4,999 = 5,000 bonus points, $5,000 -$9,999 = 25,000 bonus points, $10,000 or more = 25,000 points
N/A
N/A
Notes:
General Disclaimers:
American Express is not responsible for maintaining or monitoring the accuracy of information on this website For full details and current product information click the applicable Apply Now link.

 

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