Canadian Travel Credit Card Comparison
A comparison of some of the more popular travel rewards credit cards. For a complete list of cards that you can earn airline miles on please see this page. This chart was originally posted Sep 17, 2004 and was last updated: May 19, 2010
Other tools to help you choose a card:
Canada's Top Travel Rewards Credit Card 2010 FEATURE
Feature / Card
American Express AeroPlan Plus Charge Card
American Express Air Miles Credit Card
American Express Blue Sky Credit Card
Bank of America Alaska Airlines MasterCard
BMO Air Miles Master Card
BMO World Elite Master Card
Capital One Aspire World MasterCard
Capital One Aspire MasterCard
CIBC Aerogold Visa Infinite
CIBC Aerogold Visa
Feature / Card
CIBC Aventura Gold Visa & Infinte
Diners Club MasterCard
Royal Bank Visa Platinum Avion
Royal Bank Visa Infinite Avion
ScotiaGold Passport VISA
Starwood Preferred Guest Credit Card from American Express
TD AAdvantage Platinum Visa
TD First Class Visa Infinite
TD Platinum Travel Visa
WestJet RBC MasterCard
Feature / Card
Fees/Costs
Annual Fee
Gold :$120
Plat: $499
Plat: $50
Reg: $0
$0
Reg: $45 Plat: $75
Gold: $99
No Fee: $0
$150
$120
$0
$120
$120
Annual Fee
$120
$99
$120
$120
$110
$120
(1st Year Free)
$120
$120
$99
World: $79
Reg: $39
Annual Fee
Supp. Card Fee
Gold: 2 free at $0, additional at $50 each.

Plat:$199 for Plat or $50 for gold
$0
$0
N/A
Gold: $15
No Fee:: $0
$50
$0
$0
$50
$50
Supp. Card Fee
$50
$35
$50
$50
$30
$50
$50
$50
$50
World: $39
Reg: $19
Supp. Card Fee
Interest Rate
30% Non Revolving
19.99%
18.99%
18.99%
11.9%-19.5%
20.5%
19.8%
19.8%
19.5%
19.5%
Interest Rate
19.5%
18.5%
19.5%
19.5%
18.5%
19.99%
19.75%
19.75%
19.75%
19.99%
Interest Rate
Minimum Income
Gold $30,000 Plat.$60,000
$15,000
$15,000
$35,000
N/A
N/A
$60,000
$30,000
$60,000
$35,000
Minimum Income
Infinite: $60,000
Gold: $35,000
$25,000
$35,00
$60,000
N/A
N/A
$35,000
Min $60,000 Personal income or $100,000 Combined Household Income
$35,000
N/A
Minimum Income
Minimum Credit Limit
N/A
N/A
N/A
N/A
N/A
N/A
$7,500
$5,000
$5,000
$5,000
Minimum Credit Limit
$5,000
N/A
$5,000
$10,000
$5,000
N/A
N/A
$5,000
$5,000
N/A
Minimum Credit Limit
Reward Miles/Points Earning
Card
American Express AeroPlan Plus
American Express Air Miles Credit Card
American Express Blue Sky Credit Card
Bank of America Alaska Airlines MasterCard
BMO Air Miles Master Card
BMO World Elite Master Card
Capital One Aspire World MasterCard
Capital One Aspire MasterCard
CIBC Aerogold Visa Infinite
CIBC Aerogold Visa
Card
CIBC Aventura
Diners Club
Royal Bank Visa Platinum Avion
Royal Bank Visa Infinite Avion
ScotiaGold Passport VISA
Starwood Preferred Guest Credit Card from American Express
TD AAdvantage Platinum Visa
TD First Class Visa Infinite
TD Platinum Travel Visa
WestJet RBC MasterCard
Card
Welcome Bonus

Gold: 10,000 Aeroplan Miles

Plat: 15,000 Aeroplan Miles
Plat: 350 Miles
Reg: 100 Miles
12,000 Bonus Points after $3000 spent in first 6 months
Reg: 3,000 Miles
Plat: 5,000 Miles
Gold: up to 600 Miles
No Fee:100 Miles
15000 BMO Elite Rewards points
35,000 Miles
5,000 Miles
15,000 Aeroplan Miles
15,000 Aeroplan Miles
Welcome Bonus
Infinite: 15,000 Points
Gold: 5,000 points
5,000 points
15,000 points
20,000 points *
5,000 Points
10,000 Starpoints
10,000 AAdvantage Miles
20,000 TD points
15,000
points
World: $100 Bonus Dollars

Reg: $25 Bonus Dollars
Welcome Bonus
Renewal Bonus
0
0
0
Plat: 2,000 Miles
0
0
10,000
1,000
0
0
Renewal Bonus
0
0
0
0
0
0
2,500
0
0
0
Renewal Bonus
Earning Ratio
Gold $1=1 Mile up to $10,000, $1=1.25 Miles over $10,000

Plat $1=1.25 Miles up to $25,000, $1=1.50 Miles over $25,000
Plat: 1 Mile/$10 at all Air Miles sponsors, 1 Mile/$15 everywhere else

Reg: 1 Mile/$20
1.25 points/$
1 Mile/$
Gold: 1 Mile /$15

No Fee: 1 Mile /$20

1 Point/$
2 miles/$
1 Mile/$
1 Mile/$
1.5 Miles/$ at grocery stores, gas stations or drug stores**
1 Mile/$
1.5 Miles/$ at grocery stores, gas stations or drug stores**
Earning Ratio
1 Point/$
Infinite: 1.5 Miles/$ at grocery stores, gas stations or drug stores**
1 Point/$
1 RBC Rewards point/$1

1 RBC Rewards point/$1

1.25 RBC Rewards points/$1 on all travel purchases
1 Point/$
1 Starpoint/$
1 Mile/$
3 Point/$
3 Point/$
World: 1.5% of purchase in WestJet Dollars

Reg:1.0% of purchase in WestJet Dollars
Earning Ratio
Bonus Features
Gold: Receive 5,000 Bonus Miles for $5000 in spending in you first year**

Also see our Amex Bonus Offers page
N/A
N/A
1,000 more Bonus Miles if you apply for the card online
Gold : Double Miles at Shell, National & Alamo
Gold: 25% discount on AIR MILES flights

No Fee: 1.5x Miles at Shell, National & Alamo

3X reward miles at participating Rewards Plus Merchants
N/A
N/A
N/A
Bonus Aeroplan Miles at participating ADVANTEX restaurants, resorts and golf courses
Also see our CIBC Visa Bonus offers page
Bonus Aeroplan Miles at participating ADVANTEX restaurants, resorts and golf courses
Also see our CIBC Visa Bonus offers page
Bonus Features
Bonus Points at participating ADVANTEX restaurants, resorts and golf courses
N/A
- Receive a Free Weekend Night Award when you reach $40,000 in purchases each year

Earn Starwood Gold Preferred Guest status when you reach $30,000 in purchases each year
Double miles when you use the Card to purchase an American Airlines flight, Admirals Club Membership, or items onboard American Airlines flights
9 TD Points/$1 travel purchase booked at TD Travel Rewards Centre
6 Points/$ spent with TD Travel Rewards for travel.
World: 2.0% of purchase in WestJet Dollars for WestJet & WestJet Vacations purchases

Reg: 1.5% of purchase in WestJet Dollars for WestJet & WestJet Vacations purchases
Bonus Features
Redemption/Exchange Options
Card
American Express AeroPlan Plus
American Express Air Miles Credit Card
American Express Blue Sky Credit Card
Bank of America Alaska Airlines MasterCard
BMO Air Miles Master Card
BMO World Elite Master Card
Capital One Aspire World MasterCard
Capital One Aspire MasterCard
CIBC Aerogold Visa Infinite
CIBC Aerogold Visa
Card
CIBC Aventura
Diners Club
Royal Bank Visa Platinum Avion
Royal Bank Visa Infinite Avion
ScotiaGold Passport VISA
Starwood Preferred Guest Credit Card from American Express
TD AAdvantage Platinum Visa
TD First Class Visa Infinite
TD Platinum Travel Visa
WestJet RBC MasterCard
Card
Miles/Points deposited to:
Aeroplan
Air Miles
N/A
Alaska Airlines Mileage Plan
Air Miles
BMO Elite Rewards
Capital One
Capital One
Aeroplan
Aeroplan
Miles/Points deposited to:
Aventura
Club Rewards
RBC Rewards
RBC Rewards
Scotia Rewards
Starwood Preferred Guest
American AAdvantage
TD Travel Rewards
TD Travel Rewards
WestJet
Miles/Points deposited to:
Travel Agency Redemption Value
N/A
N/A
10,000 Points = $100
N/A
N/A
1.9% (100 points = $1.90)
15,000 = up to $150

35,000 = up to $350

60,000 = up to $600

60,001 and above = cost of travel x100
15,000 = up to $150

35,000 = up to $350

60,000 = up to $600

60,001 and above = cost of travel x100
N/A
N/A
Travel Agency Redemption Value
5000 Points = $50
100 Points = $1.70
2% or greater 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
2% or greater 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
5000 Points = $50
N/A
N/A
10,000 Points = $50
10,000 Points = $50
N/A
Travel Agency Redemption Value
Exchange Options
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Exchange Options
1 Point = 1 Mile with Aeroplan
1,250 Points = 1000 Miles on
10 Airlines
2,250 Points = Various points with 7 Hotels
1 Point = 1 Mile on British Airways or Cathay Pacific
1 Point = 1 Mile on British Airways or Cathay Pacific
N/A
Transfer Starpoints to 30 Airlines (Various ratios)
N/A
4 Points = 1 AAdvantage miles
4 Points = 1 AAdvantage miles
N/A
Exchange Options
Redemption Centre
Aeroplan
Air Miles
Any Travel Provider
Mileage Plan
Air Miles
Any Travel Provider via BMO Elite Rewards
Any Travel Provider
Any Travel Provider
Aeroplan
Aeroplan
Redemption Centre
Any Travel Provider via Aventura
Any Travel Provider
Any Travel Provider via RBC Rewards
Any Travel Provider via RBC Rewards
N/A
Starwood Preferred Guest
AAdvantage
TD Travel Rewards Centre with Ability to book travel anywhere and then redeem TD Points through The Travel Rewards Centre
Any Travel Provider
WestJet Frequent Guest
Redemption Centre
Benefits
Card
American Express AeroPlan Plus
American Express Air Miles Credit Card
American Express Blue Sky Credit Card
Bank of America Alaska Airlines MasterCard
BMO Air Miles Master Card
BMO World Elite Master Card
Capital One Aspire World MasterCard
Capital One Aspire MasterCard
CIBC Aerogold Visa Infinite
CIBC Aerogold Visa
Card
CIBC Aventura
Diners Club
Royal Bank Visa Platinum Avion
Royal Bank Visa Infinite Avion
ScotiaGold Passport VISA
Starwood Preferred Guest Credit Card from American Express
TD AAdvantage Platinum Visa
TD First Class Visa Infinite
TD Platinum Travel Visa
WestJet RBC MasterCard
Card
Travel Accident Insurance
$500,000
$100,000
$100,000
Reg: $150,000
Plat: up to $1MM
Gold: Yes
No Fee: Optional*
up to $500,000
$500,000
$250,000
$500,000
$500,000
Travel Accident Insurance
$500,000
$300,000
$500,000
$500,000
$250 000 per person or $500 000 per occurance
up to $500,000
$500,000
up to $500,000
$500,000
World: Yes
Reg: Yes
Travel Accident Insurance
Flight Delay Insurance
Yes
No
No
No
Gold/ No Fee: Optional*
Yes
Yes
No
Yes
Yes
Flight Delay Insurance
Yes
Yes
Yes
Yes
No
Yes
No
No
No
World: Yes
Reg: No
Flight Delay Insurance
Delayed, Lost, Stolen, Damaged Baggage Insurance
Yes
No
No
No
Gold/ No Fee: Optional*
Optional***
Yes
Yes
Yes
Yes
Delayed, Lost, Stolen, Damaged Baggage Insurance
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
World: No
Reg: No
Delayed, Lost, Stolen, Damaged Baggage Insurance
Trip Cancellation Insurance
Gold: Optional***

Plat: Yes
No
No
No
Gold/ No Fee: Optional*
Yes
Yes
No
No
Optional***
Trip Cancellation Insurance
No
Optional***
No
No
Yes
No
No
Yes
No
No
Trip Cancellation Insurance
Trip Interuption Insurance
Gold: Optional***

Plat: Yes
No
No
No
Gold/ No Fee: Optional*
Yes
Yes
No
Yes
Optional***
Trip Interuption Insurance
Infinite Only
Optional***
No
Trip Interruption Yes
Yes
No
No
Yes
No
World: Trip Interruption Yes
Reg: No
Trip Interuption Insurance
Travel Medical Insurance
Gold: Optional***

Plat: Yes
Optional***
Optional***
No
Gold/ No Fee: Optional*
Yes
Yes
No
Yes
No
Travel Medical Insurance
Infinite Only
Optional***
No
Yes
Yes
No
No
Yes
No
World: Yes
Reg: No
Travel Medical Insurance
Auto Rental/Loss Damage Insurance
Yes
Plat: Yes
No
Reg: No
Plat: Yes
Gold: Yes
No Fee: Optional*
Yes
Yes
Yes
Yes
Yes
Auto Rental/Loss Damage Insurance
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
World: Yes
Reg: Yes
Auto Rental/Loss Damage Insurance
Purchase Protection
Yes
Plat: Yes
No
Reg: No
Plat: Yes
Yes
Yes
Yes
Yes
No
No
Purchase Protection
No
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
World: Yes
Reg: Yes
Purchase Protection
Price Protection
No
No
No
No
No
No
Yes
Yes
No
No
Price Protection
No
No
No
No
No
No
No
No
No
No
Price Protection
Extended Warranty Plan
Yes
No
No
Reg: No
Plat: Yes
Yes
Yes
Yes
Yes
No
No
Extended Warranty Plan
No
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
World: Yes
Reg: Yes
Extended Warranty Plan
Free Companion Air Ticket
Platinum: Short Haul Flight Reward ticket when 15,000 miles redeemed with Partner Ticket benefit annually
No
No
Platinum Card Only:
1 Companion ticket per year for only US$50
No
No
No
No
No
No
Free Companion Air Ticket
No
One British Airways Companion Ticket yearly
No
No
No
No
No
No
No
No
Free Companion Air Ticket
Business Class Lounge Access
Platinum Card Only: Air Canada Maple Leaf Lounges plus free membership in Priority Pass
No
No
Platinum Card Only: Receive 2 Board Room Passes upon approval
No
free membership in Priority Pass + three complimentary VIP lounge visits per membership year
No
No
Yes, Air Canada Maple Leaf Lounges Only*
Yes, Air Canada Maple Leaf Lounges Only*
Business Class Lounge Access
No
Yes. Various Lounges Worldwide plus free membership in Priority Pass
No
No
No
No
No
No
No
No
Business Class Lounge Access
Priority Check In
Platinum Card Only
No
No
No
No
No
No
No
Yes*
Yes*
Priority Check In
No
No
No
No
No
No
No
No
No
No
Priority Check In
Hotel Burglary Insurance
Yes
No
No
No
No
No
No
No
No
No
Hotel Burglary Insurance
No
No
Yes
Yes
Yes
Yes
No
No
No
World: Yes
Reg: Yes
Hotel Burglary Insurance
Travel Concierge Service
No
No
No
No
No
Yes
Yes
No
Yes
No
Travel Concierge Service
Infinite Only
No
No
Yes
Yes
No
No
Yes
No
No
Travel Concierge Service
Enhanced Hotel/Dining Services
Yes with Fairmont Hotels
No
No
No
No
Yes
No
No
Yes
No
Enhanced Hotel/Dining Services
Infinite Only
No
No
Yes
No
No
No
Yes
No
No
Enhanced Hotel/Dining Services
Overlimit Extended Purchasing
Yes
No
No
No
No
No
No
No
Yes
No
Overlimit Extended Purchasing
Infinite Only
No
No
Yes
No
No
No
No pre-set spending limit
No
No
Overlimit Extended Purchasing
Link to Apply
Link to Apply
Link to Apply
Notes:
Complimentary Hertz Rent-A-Car #1 Club Gold Membership and free Car Class upgrades
*** Fee Applies
*** Fee Applies
*** Fee Applies
N/A
* Yearly fee ranging from $29-$99
*** Fee Applies
Travel can be purchased from any travel supplier with a credit made to your card
Travel can be purchased from any travel supplier with a credit made to your card
* Part of Club Privileges Travel for $189/yr
** Up to a total annual spend of $80K
*** Fee Applies
* Part of Club Privileges Travel for $189/yr
** Up to a total annual spend of $80K
*** Fee Applies
Notes:
*** Fee Applies
Premier membership in Fairmont's President's Club after 3 visits
*** Fee Applies
N/A
* = Until Dec 31, 10
N/A
N/A
N/A
Travel can be purchased from any travel supplier with a credit made to your card
Travel can be purchased from any travel supplier with a credit made to your card
N/A
Notes:
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