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Canada's premier loyalty and credit card rewards resource. Providing Canadians with miles, points and credit card tips, tricks, bonuses & more since 2001! Be sure to subscribe to our newsletter to make the most of your reward programs!

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Credit Card Spotlight:

American Express Cobalt® Card


American Express Cobalt® Card
2021 Overall Top Travel Rewards Card | 2021 Top Hybrid Travel Rewards Card | 2021 Top Cash Back Card
This is the best overall credit card in Canada!

Monthly Fee $12.99/month of Cardmembership ($155.88 annually) Additional Cards: $0
Annual interest rate 20.99% on purchases and 21.99% on funds advances

• In your first year as a new Cobalt Cardmember, you can earn 2,500 Membership Rewards® points for each monthly billing period in which you spend $500 in net purchases on your Card. This could add up to 30,000 points in a year
      • 30,000 points is enough for: 
            • $300 in statement credits redeemed towards purchases charged to your Card or
            • $225 in American Express® Prepaid Cards
• Plus, you can earn a Welcome Bonus of 20,000 Membership Rewards points when you spend a total of $3,000 in purchases on your Card in your first 3 months of Cardmembership

• Earn 5x the points on eligible eats and drinks in Canada, including groceries and food delivery
• Earn 3x the points on eligible streaming subscriptions in Canada
• Earn 2 points for every $1 spent on eligible transit & gas purchases in Canada and eligible travel purchases. That's 2X the points on purchases that get you from point A to B 
• Earn 1 point for every $1 in Card purchases everywhere else. We won't tell you where to spend, we'll just reward you on your Card purchases

• Transfer points 1:1 to several frequent flyer and other loyalty programs
• Cobalt Cardmembers receive regular Perks such as bonus reward offers and access to great events
• Access Front Of The Line® Presale & Reserved Tickets to some of your favourite concerts and theatre performances and special offers and events curated for Cardmembers with American Express® Experiences
• American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details, current product information and Terms and Conditions, click the Apply now link. Conditions Apply

Apply Now

P O I N T V A L U A T I O N S

Program Minimum Point/Mile Value
Air Canada Aeroplan 1.5 cents
AIR MILES 11 cents
American Express Membership Rewards 1 cent
Best Western Rewards 0.8 cents
BMO Rewards 0.71 cents
CIBC Rewards 1 cent
HSBC Rewards 0.5 cents
Marriott Bonvoy 1 cent
MBNA Rewards 1 cent
National Bank of Canada alacarte Rewards 1 cent
PC Optimum 1 cent
RBC Rewards 1 cent
SCENE 1 cent
Scotia Rewards 1 cent
TD Rewards 0.4 cents

C R E D I T C A R D S

Credit Card

The Best Credit Cards in Canada

We break down the best credit cards in Canada by category. From best overall to best low interest to the best No Foreign Transaction fee cards and more!

Guide to Credit Card Cash Back Liquidity

Not all cash back credit cards are created equal. Some let you redeem anytime - others only once per year. Some let you redeem for as little as $1, others are $100. Learn more about the topic in this feature!

Marriott Bonvoy™ American Express® Card Review

The best hotel credit card in Canada is the Marriott Bonvoy™ American Express® Card and in fact is one of the best overall travel rewards credit cards! It consistently ranks in the Top 5 Cards in Canada in our annual rankings thanks to its ability to provide huge outsized value and by providing some amazing benefits that can be used year after year.

The top credit cards for everyday non-category bonus spending

Sure your credit card offers extra points on groceries or other categories. But what about all your spending at places that don't have a bonus? Check out our new feature that looks at the top credit cards for everyday non-category bonus spending

F L I G H T B O N U S O F F E R S

Hotel

Earn up to 150% bonus Aeroplan points when you fly on Air Canada round trip from Canada to the U.S..

Register and book by Sep 13 for travel until Apr 30, 22 (Black out Dec 17 - Jan 3)

H O T E L B O N U S O F F E R S

Hotel

Double Honors Points per stay at all participating Hilton Hotels Worldwide

Register and book now for stays Sep 7 – Dec 31, 21

Earn 1,500 Bonus Bonvoy Points on each and every stay at all participating Marriott Hotels Worldwide.

Register and book by Nov 28 for stays Sep 14 – Dec 12, 21

Top Travel Credit Card Welcome Offers
Card & Sign Up Offer Mininum
Travel Value
American Express® Aeroplan®* Reserve Card
New American Express® Aeroplan®* Reserve Cardmembers can earn up to a total of 90,000 welcome bonus Aeroplan points and a bonus Buddy Pass:
$1051
American Express® Aeroplan®* Card
New American Express® Aeroplan®* Cardmembers can earn up to a total of 40,000 welcome bonus Aeroplan points and a bonus Buddy Pass
$780
TD® Aeroplan® Visa Infinite Privilege* Card
Up to 65,000 points plus earn a bonus Buddy Pass to bring anyone along to anywhere Air Canada flies in North America, incl Hawaii and Mexico. Conditions Apply. Must apply by Dec 5, 21
$676
TD Aeroplan Visa Infinite Card TD® Aeroplan® Visa Infinite* Card
Up to 25,000 points plus earn a bonus Buddy Pass to bring anyone along to anywhere Air Canada flies in North America, incl Hawaii and Mexico. First year annual fee rebate. Conditions Apply. Must apply by Dec 5, 21
$675
WestJet RBC World Elite Mastercard
Get 450 welcome WestJet dollars and receive a $0 companion vouchers for travel in Canada, the U.S., and Mexico. Must apply by Dec 5, 21
$631
Top Cash Back Credit Card Welcome Offers
Card & Sign Up Offer Min. Cash Back Value
American Express Cobalt® Card
New American Express Cobalt Cardmembers can earn 50,000 points in their first year of cardmembership. Those points can be converted at a rate of 1,000 points to $10.
$344
SimplyCash™ Preferred Card from American Express
New SimplyCash™ Preferred Card from American Express Cardmembers can earn 10% cash back on all eligible purchases (up to $400 cash back) for the first 4 months of Cardmembership 
$301
BMO CashBack® World Elite®* MasterCard®*
Earn 10% Cash Back on all Purchases for the first 3 months up to a total spend of $2,000 and the $120 annual fee waived in the first year*
$200
CIBC Dividend® Visa Infinite* Card
Welcome Offer: Get a first-year annual fee rebate! Plus, get 10% cash back for the first 4 statements on total purchases of up to $2,000
$200
CIBC Dividend Platinum® Visa* Card
Welcome Offer: Get a first-year annual fee rebate! Plus, get 10% cash back for the first 4 statements on total purchases of up to $2,000
$200

Deals & More!

Motley Fool Canada: Have Money to Invest? New Stock Picks Every Month from Legendary Investors. Now Only $99

Simplify the way you trade cryptocurrency by joining me on NDAX – Use my referral link and we will both get $10. Learn more here.

Save up to $100 on Aer Lingus flights from Toronto to Dublin & Europe. Book by Sep 15. Learn more here

Marriott Suiten your Stay - Receive a complimentary room upgrade or discounted suite. Offer varies by property. Select hotels in US, Canada, Caribbean & LATAM only. Valid for stays until Jan 31, 22. Book this offer here.

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