Canada's Top Travel Rewards Credit Cards 2021

Posted on January 25, 2021


Canada's Top Travel Rewards Credit Cards

Welcome to Rewards Canada's 13th annual Canada's Top Travel Rewards Credit Cards!

Canada's original travel rewards credit card rankings!


When we released our 2020 rankings last January we had no clue what would transpire for the remainder of that year! The Coronavirus Pandemic severely curtailed travel for all but two months of the year and that continues to be the case into 2021. In fact with recent changes to Canada's requirements for negative PCR tests to fly back here on top of the 14 day quarantine followed suit by the U.S. travel for at least the first half of this year will not be happening for a lot of people. So that brings us this years rankings and the theme this year is travel planning! Planning for that future travel is what most of us are doing right now, whether it is for the latter half of 2021 or not even until 2022, travel in the near term isn't on many people's radar. That's where these top cards come into play and can really help to cut the costs of that future travel. Getting one of these cards does not mean you have to travel right away, in fact it can be quite the opposite. Getting the right card right now allows you to spend for a longer period of time and accumulate a ton of points and/or miles that can help you pay for travel down the line. If travel is not in the cards be sure to check out Canada's Top Cash Back Credit Cards 2021

This year's rankings do see some cards move up and down the ranks and we also replace the Coalition Card category with the Ultra Premium Card category. Outside of the pandemic the biggest news on the travel rewards credit card front over the past 12 months was the launch of the new Air Canada Aeroplan program and the revamping of all the Aeroplan co-brand credit cards. The new Aeroplan program and its cards are now factored into our airline card and ultra premium card rankings. Also considered are any and all new cards and card changes that have happened over the past year from all issuers. Much like the past two years of rankings we won't list all the factors in our decision making process on this main page rather if you want more details on our consideration process you can read the factors behind our rankings right here




Top 5 Cards Overall

These are the the crème de la crème of travel rewards cards in Canada. The best cards overall from the five separate categories listed further below.

1

American Express Cobalt Card
American Express Cobalt Card

New limited time welcome offer: Earn up to 50,000 welcome bonus points! (The best ever bonus seen on this card!)

Taking the top spot for the fourth year in a row the American Express Cobalt card has definitely set the tone with competitors bumping up their offerings but this card's unmatched value and flexibility keep it on top. The card provides up to a 5% return towards any travel bookings thanks to earning 5x points on eats and drinks which actually levels up to a 10% return if you utilize Amex's Fixed Points for Travel program. Not to mention you can convert the points to airline programs like Air Canada Aeroplan and British Airways Executive Club, tohotel programs like Marriott Bonvoy which can then in turn be transferred to over 40 airline loyalty programs. Like we said - it is unmatched in providing value and flexibility to such a wide range of Canadian travellers!

Click here to learn more and to apply for this card

2

American Express Gold Rewards Card

American Express Gold Rewards Card

•  New American Express® Gold Rewards Cardmembers can earn a Welcome Bonus of 50,000 Membership Rewards® points when you charge $3,000 in purchases to your Card in your first 3 months of Cardmembership 

After running in the shadows of the Cobalt Card, this long time front running card has been transformed into a travel benefits powerhouse. Priority Pass membership and four Plaza Premium Lounge access passes each year, a $50 NEXUS Credit and an annual $100 travel credit make this card into a travellers dream. It still provides the utmost in travel rewards flexibility with its points and a nice sign up bonus of up to 60,000 points.

Click here to learn more and to apply for this card

3

TD Aeroplan Visa Infinite Card

TD® Aeroplan® Visa Infinite* Card

Earn up to 25,000 Aeroplan points and a bonus Buddy Pass. Plus, first year no Annual Fee. †
Must apply by March 6, 2022.

The new Air Canada Aeroplan program launched in November 2020 and with it came an entirely revamped suite of Aeroplan co-brand credit cards. Many of the cards provide a ton of value but when we look at which card makes the most sense for the most Canadians it is the mainstay card of the program - the TD Aeroplan Visa Infinite Card. With the ability to redeem points to almost any destination worldwide in Economy to Business to First Class the Aeroplan program is tough to compete with if you know how to make those most it. Add in new card features like first checked bag free, discounted reward flight pricing, a NEXUS credit and more this card quickly moved into our top 5 cards overall!

Click here to learn more and to apply for this card

This offer is not available for residents of Quebec. For Quebec residents, please click here.
† Terms and Conditions apply.

4

Marriott Bonvoy
Marriott Bonvoy™ American Express® Card

• New Marriott BonvoyTM  American Express Cardmembers, earn 70,000 Welcome Bonus points after you charge $1,500 in net purchases to your Card in your first 3 months of Cardmembership
• Plus, earn a total of 5 points for every $1 on eligible travel & gas purchases in Canada for your first 3 months of Cardmembership (up to 15,000 points). Offers subject to change at any time

Another long time running top card the Marriott Bonvoy American Express Card is virtually unknown to many Canadians and that's unfortunate as it provides a ton of value and benefits. This is the card the Rewards Canada family pulls out of our wallets for purchases where we don't earn bonuses with other cards. The two Bonvoy points per dollar are worth at least 2 cents but in many cases can be worth much more than that. Add in the free night stay on the card anniversary and the ability to convert to 40+ airline frequent flyer programs at favourable rates makes this card a travellers dream.

Click here to learn more and to apply for this card

5


HSBC World Elite Mastercard

Earn up to 100,000 Points. PLUS a full annual fee rebate for the Primary Cardholder for the first year

Knocking out one of its biggest competitors which was the RBC Avion Visa Infinite Card, the relatively new HSBC World Elite Mastercard is proving to be an amazing contender in our market. With earn rates that give you 1.5% to 3% back on your spending when you redeem for any travel (yes any travel with any travel provider) On top of that you can convert points to three airline programs (British Airways being the most popular), a $100 annual travel enhancement credit, business class lounge access and the biggie - no foreign transaction fees. Whether you do travel lots or shop online in other currencies you'll save on average 2.5% over most cards in Canada.

Click here to learn more and to apply for this card





Top Travel Points Cards

A Travel Points Credit Card earns points that can be used to book travel via that credit card's reward program travel agency and/or give you the ability to book travel how you want, with whomever you want and then you can use the points towards the charge on your account. These are the best five cards in this category. To learn more about a card or to apply for it click on the card name or scroll further below where we provide card details.

1


Scotiabank Gold American Express Card

2


Scotiabank Passport Visa Infinite Card

3


CIBC Aventura® Visa Infinite* Card

4


BMO World Elite Mastercard

5


TD® First Class Travel® Visa Infinite* Card


Top No Fee Travel Rewards Credit Cards

A Travel Points Credit Card earns points that can be used to book travel via that credit card's reward program travel agency and/or give you the ability to book travel how you want, with whomever you want and then you can use the points towards the charge on your account

1


mbna Rewards Platinum Plus Mastercard

2


American Express® Green Card

3


mbna Best Western Mastercard

4


CIBC Aventura® Visa* Card

5


Scotiabank American Express Card


Top Hybrid Credit Cards

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 and/or hotel frequent travel programs or use the points to book travel via the credit card's travel agency and/or give you the ability to book travel how you want, with whomever you want and then you can use the points towards the charge on your account. (This is Rewards Canada's favourite category of cards)

1


American Express Cobalt™ Card

2


American Express® Gold Rewards Card

3


HSBC World Elite Mastercard

4


RBC Avion Visa Infinite

5


The Platinum Card from American Express




Top Airline Credit Cards

An airline credit card earns miles or points directly into that airline's frequent flyer program

1


TD® Aeroplan® Visa Infinite* Card

2


WestJet RBC World Elite Mastercard

3

Amex Aeroplan
American Express® Aeroplan®* Card

4


mbna Alaska Airlines World Elite Mastercard

5


RBC British Airways Visa Infinite Card


Top Ultra Premium Credit Cards

An ultra premium credit card is one that carries a hefty annual fee ($200+) that can actually fit into any of our categories across the rankings. From airline to hybrid to travel points they are covered here and you get better rewards and a lot more benefits with these cards. These cards also have higher income requirements.

1


The Platinum Card from American Express

2


American Express® Aeroplan®* Reserve Card

3


TD® Aeroplan® Visa Infinite* Card

4


RBC Avion Visa Infinite Privilege Card

5


BMO eclipse Visa Infinite Privilege* Card


Expanded details for the top 5 cards in each category

Click on the category name to see the details on the five cards in each category

 


Card Previous Rankings



Scotia Gold American Express Card


Annual Fee $120 Additional Cards: $29

• Earn up to 40,000 bonus Scene+ Rewards points in your first year (that’s up to $400 towards travel)Plus, no annual fee in the first year, including on supplementary cards1 and get a 0.00% introductory interest rate on balance transfers for the first 6 months (22.99% after that; annual fee $120) (1% balance transfer fee)1
• To be eligible for 20,000 bonus  Scene+ points you must open a new Account by January 1, 2022 and have at least $1,000 in eligible purchases posted to your new Account in the first 3 months. To be eligible for an additional  20,000 bonus Scene+ points you must have at least $7,500 in eligible purchases posted to your new Account in your first year (12 months) from the Account open date
• Earn 5 Scene+ Rewards points for every $1 you spend at eligible grocery stores, dining and entertainment
• Earn 3 Scene+ Rewards points for every $1 you spend at eligible gas stations, daily transit, and select streaming services
• Earn 1 point for every $1 you spend on all other eligible everyday purchases
• Complimentary Concierge Services 24/7
• Amex exclusive benefits (Front Of The Line)
• Rates, fees, offers and other information are effective as of Mar 1, 2021. Subject to change.

• Use your points to purchase travel online or over the phone through our full-service travel agency. Or book your own travel using your card and go online to redeem points for the purchase.
• Receive discounts and other special offers on hotels, airfare, car rentals, cruises and vacation packages.
• Low price airfare alerts
• Receive up to 25% off qualifying car rentals
• Travel emergency medical coverage is automatically provided for eligible persons for up to 25 consecutive days
• Redeem points for merchandise and other rewards

Apply Now

2020: 1
2019: 2
2018: 1
2017: 2
2016: 3
2015: 3
2014: 3
2013: 2
2012: N/A
2011: N/A
2010: N/A



Scotiabank Passport Visa Infinite card

Annual Fee: $139 Additional Cards: $0 for first card $50 for each additional
Minimum Income $60,000

• Earn up to 30,000 bonus Scene+ Rewards points in your first year (that’s up to $300 towards travel )1 Plus, no annual fee in the first year, including on supplementary cards.1
Bonus offer broken down as follows:
- Earn 20,000 bonus Scene+ Rewards points by making at least $1,000 in everyday eligible purchases in your first 3 months.
- Plus, as a Scotiabank Passport Visa Infinite cardholder, you are eligible to earn an annual 10,000 Scene+ Rewards point bonus when you spend at least $40,000 in everyday net eligible purchases annually.
• Earn 2x Scene+ Rewards® points on every $1 you spend on eligible grocery stores, dining, entertainment purchases and daily transit purchases (including buses, subways, taxis and more)
• Enjoy no FX Mark-up
• Enjoy Complimentary Airport Lounge Access, plus 6 free lounge visits per year
• Rates, fees and other information are effective as of Mar 1, 2021. Subject to change.


Apply Now

2020: 2
2019: 1
2020: 3
2019: 4
2018: 5
2017: 5
2016: 5
2015: 5
2014: 5
2013: N/A
2012: N/A
2011: N/A
2010: 2 in Hybrid


BMO World Elite™* MasterCard®*


Annual Fee: $150 Primary Card (Waived in first year) $50 Secondary Card
Interest Rate: Purchases 20.99% Cash Advances 23.99% (21.99% for Quebec residents)

Welcome Offer: Get up to 30,000 points – 25,000 points when you spend $3,000 in the first 3 months plus 5,000 points on your first anniversary, and the $150 annual fee waived in the first year.*
Complimentary membership in Mastercard Airport Experiences provided by LoungeKey, with exclusive VIP access, plus four annual complimentary passes* ($140 Value/Year).
Get 3 BMO Rewards points for every $1 spent on travel, dining and entertainment purchases*
Get 2 points for every $1 spent everywhere else*
Get valuable benefits and offers for digital everyday services from a variety of on-demand apps and subscription services
Access over 1 million Wi-Fi hotspots around the world - all at no added cost, and no added fees or roaming charges*
Points you can use to cover all flight charges & taxes*
Fly on any airline, with no blackout dates*
Unlock Mastercard Travel Rewards cashback offers when you travel and shop outside of Canada


Apply Now

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
2020: 4
2019: 3
2018: 3
2017: 3
2016: 2
2015: 1
2014: 2
2013: 5
2012: 4
2011: 3
2010: 3


TD First Class Travel® Visa Infinite* Card

Annual Fee: $120
Additional Cards: $50 †
Annual interest rate 19.99% on purchases and 22.99% on funds advances
$60,000 personal or $100,000 household annual income

Limited Time Offer
Earn up to 80,000 TD Points† plus, 0% promotional interest rate on Travel Purchases for the first 6 months†. First year no Annual Fee for the Primary and Additional Cardholders†. Conditions Apply. Must apply by March 6, 2022.

  • Apply by March 6, 2022 to earn up to 80,000 TD Points† (a travel value of up to $400 when you book travel purchases through ExpediaForTD.com†) and get a full Annual Fee Rebate1 for the Primary and Additional Cardholders† (a value of up to $170†) for the first year. That’s a total value of $570†.
    • Welcome Bonus of 20,000 TD Points when you make your first Purchase with your Card†.
    • 60,000 TD Points when you spend $1,000 within 90 days of Account opening†
  • Plus:
    • Get 0% promotional interest rate on Travel purchases for first 6 months†
  • To receive the first-year annual fee rebate, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening.

  • Earn 3 TD Points for every $1 you spend on Purchases made using your Card †•
  • Earn 9 TD Points † when you book travel online through Expedia® For TD †
  • Your TD Points don’t expire as long as you are a TD First Class Travel Visa Infinite* Cardholder

  • Go places: You can earn more TD Points when you book your travel online with your TD First Class Travel Visa Infinite Card through ExpediaForTD.com. You can also redeem† any earned TD Points towards that purchase at time of booking to pay for all or part of your trip. Or, use your TD First Class Travel Visa Infinite Card to book travel with any other travel provider and redeem† any earned TD Points towards that purchase within 90 days after the purchase date.
  • Amazon.ca Shop with Points: Redeem your TD Points towards making purchases at Amazon.ca to get what you want, when you want, quickly and easily. Conditions apply.
  • Shop online through TD Rewards.com: You can also redeem your TD Points for brand name merchandise from gift cards and appliances, to electronics, luggage and more.

Apply Now

This offer is not available for residents of Quebec. For Quebec residents, please click here.

† Terms and Conditions apply.

Sponsored advertising. The Toronto-Dominion Bank (TD) is not responsible for the contents of this site including any editorials, product reviews and listings. For complete and current information on any TD product, please click the Apply Now button.

2020: 5
2019: 5
2018: 4
2017: 4
2016: 4
2015: 4
2014: 4
2013: 3
2012: 2
2011: 3 in Hybrid
2010: 3 in Hybrid
Card Previous Rankings



MBNA Rewards Platinum Plus® Mastercard®


• Earn 4 points†† for every $1 spent on eligible restaurant, grocery, digital media, membership and household utility purchases during the first 90 days, and 2 points‡ for every $1 spent on eligible purchases in those categories thereafter – in both cases, these earn rates apply until $10,000 is spent annually in the applicable category. 1 point for every $1 spent on all other eligible purchases.
• 5,000 bonus points†† ($25 in cash back value) after you make $500 or more in eligible purchases within the first 90 days of your account opening.
• 5,000 bonus points†† ($25 in cash back value) once enrolled for paperless e-statements within the first 90 days of account opening.
• Each year, you will receive Birthday Bonus Points‡ equal to 10% of the total number of Points earned in the 12 months before the month of your birthday, to a maximum Birthday Bonus each year of 10,000 Points.
• Redeem points for cash back, brand-name merchandise, gift cards from participating retailers, charitable donations, and travel.
• Standard Annual Interest Rates of 19.99% on purchases, 22.99% on balance transfers and 24.99% on cash advances.
• Mobile Device Insurance***
With Mobile Device Insurance, you’ve got up to $1,000 in coverage for eligible mobile devices in the event of loss, theft, accidental damage or mechanical breakdown.
• No annual fee.
• This offer is not available for residents of Quebec.  For residents of Quebec, please click here.


Apply Now

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.



‡ These are highlights of the credit card rewards program (the "Program") associated with this credit card account. Points will be awarded on eligible transactions charged to your account as set out in the Program terms and conditions. The account will earn two (2) points per dollar spent on eligible restaurant, grocery, digital media, membership, and household utility purchases until you spend $10,000 annually (per calendar year) in the applicable category. Other eligible purchases will earn a Base Earn Rate of one (1) point per dollar. Each year, the account 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 10,000 Points. The Birthday Bonus Points will be added to the account before the end of the primary cardholder's birthday month. The redemption rate for Points earned may differ depending on the redemption option chosen. Complete terms and conditions describing Program eligibility, accrual, earn limits, and redemption of Points, and other important conditions will be sent after your account is opened. Please read the terms and conditions carefully upon receipt.

†† To qualify for this offer, an applicant must be approved for the specific credit card account described in the offer. Welcome bonus of 5,000 points will be awarded if $500 in eligible Purchases are made on your Account within the first 90 days of account opening that are not subsequently rescinded, the subject of a charge back request(s) or otherwise disputed. In order to obtain a "Paperless Bonus" of 5,000 bonus points, you must enroll in online banking at www.mbna.ca and consent to Paperless Statements for the account within the first 90 days of account opening, and not subsequently rescind such enrollment throughout this period. For the double the points on restaurant, grocery, digital media, membership, and household utility Purchases offer, for the first 90 days after account opening you will earn an additional 2 points/$1 spent on eligible restaurant, grocery, digital media, membership, and household utility purchases (on top of the regular earn rate of 2 points/$1 spent on such purchases as indicated in the Program terms and conditions), subject to a maximum annual cap of $10,000 in each category. Please allow 8-10 weeks for the applicable bonus points to be posted to your points account. Limit one-time bonus point offer (no cash value) per new account for each bonus point offer. This offer is not available to residents of Quebec. This promotion is offered by MBNA and may be amended or cancelled at any time without notice.

✪ Balance transfers will be fulfilled in the order listed and are treated as balance transfers in accordance with your Account Agreement. The total value of balance transfers cannot exceed your authorized credit limit. If the value is greater, MBNA may send a partial payment to the named creditor/designated account. THERE WILL BE A TRANSACTION FEE EQUAL TO 1.00 % OF THE DOLLAR AMOUNT OF EACH BALANCE TRANSFER INITIATED WITH THIS APPLICATION. A MINIMUM FEE OF $7.50 WILL APPLY TO EACH BALANCE TRANSFER TRANSACTION. A balance transfer may not be used to pay off or down your account balance or any other balances with us (including our affiliates, which would include any member of the TD Bank Group).

***Insurance coverage is underwritten by American Bankers Insurance Company of Florida (ABIC) under Group Policy MBNA-0620. To be eligible for Mobile Device Insurance you must use your Account to pay all of your monthly mobile bill payments and any upfront costs or pay at least 75% of the purchase price with your Account when paying the full cost of your mobile device up front. Benefits, features and coverages are subject to conditions, limitations and exclusions that are fully described in the Certificates of Insurance included with your Guide to Coverage. ABIC, its subsidiaries, and affiliates carry on business in Canada under the name of Assurant®. ®Assurant is a registered trademark of Assurant, Inc.

The Toronto-Dominion Bank is the issuer of this credit card. MBNA is a division of The Toronto-Dominion Bank.

2020: 1st
2019: 1st
2018: 4th
2017: Out of the top 5


American Express® Green Card

Card Type: Credit Card   
Annual Fee: $0
Additional Card Fee: $0
Annual interest rate 20.99% on purchases and 21.99% on funds advances; Missed payment applicable rates, 23.99% and/or 26.99%

• Get the Card that lets you live in the moment while getting ready for the future. The American Express® Green Card lets you go for it with every swipe or tap of your Card
•As a new American Express® Green Cardmember, you can earn a Welcome Bonus of 10,000 Membership Rewards® points when you charge $1,000 in purchases to your Card in the first 3 months of Cardmembership
• Earn 1x the points on Card purchases
• Charge an eligible purchase to your Card and redeem your Membership Rewards points for a statement credit (All eligible purchases: 1,000 points = $10 statement credit)
• With American Express Experiences and Front Of The Line®, American Express Cardmembers get access to amazing events in Canada
• Transfer points 1:1 to several frequent flyer and other loyalty programs
• 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 Apply now link. Conditions apply

Apply Now

New to the rankings



mbna Best Western Mastercard®


• Earn 1 Best Western Rewards® point for every $1 in eligible purchases‡
• Earn 5 Best Western Rewards® points for every $1 in eligible purchases at Best Western properties‡
• Earn 20,000 Best Western Rewards® points†† on your first purchase – enough for a free night stay
• You will be awarded "Gold Status" upon first use of your credit card and "Diamond Status" when you spend $10,000 in eligible purchases within one year◊◊
• No limit to the Best Western Rewards® points that can be earned using the credit card in a year
• Use your Best Western Rewards® points in many ways – hotel stays, dining, gift cards and more.         

• Standard Annual Interest Rates of 19.99% on standard purchases, 22.99% on balance transfers✪ and access cheques, and 22.99% on cash advances
• No annual fee
• Minimum Credit Score: 680
• This offer is not available for residents of Quebec.  For residents of Quebec, please click here.


Apply Now

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.

✪ Balance transfers will be fulfilled in the order listed and are treated as balance transfers in accordance with your Account Agreement. The total value of balance transfers cannot exceed your authorized credit limit. If the value is greater, MBNA may send a partial payment to the named creditor/designated account. THERE WILL BE A TRANSACTION FEE EQUAL TO 1.00% OF THE DOLLAR AMOUNT OF EACH BALANCE TRANSFER INITIATED WITH THIS APPLICATION. A MINIMUM FEE OF $7.50 WILL APPLY TO EACH BALANCE TRANSFER TRANSACTION. A balance transfer may not be used to pay off or down your account balance or any other balances with us (including our affiliates, which would include any member of the TD Bank Group).
‡ These are highlights of the credit card rewards program (the “Program”) associated with this credit card account. Points will be awarded on eligible transactions charged to your account as set out in the Program terms and conditions. Complete terms and conditions describing Program eligibility, accrual and redemption of points, and other important conditions, limitations and restrictions will be sent after your account is opened. Please read the terms and conditions carefully upon receipt. Accumulated points can only be redeemed in accordance with the Best Western Rewards Program. The Toronto-Dominion Bank has no liability or responsibility for any aspect of the Best Western Rewards Program. Please visit www.bestwestern.com/bwrterms, call Best Western at 1-800-237-8483 or contact Best Western by mail at P.O. Box 42007, Phoenix, AZ, 85080-2207 for complete Best Western Rewards® Program terms and conditions.
†† To qualify for this offer, an applicant must be approved for the specific credit card account described in the offer. The account must be used for at least one eligible transaction within the first 90 days of account opening that is not subsequently rescinded, the subject of a charge back request or otherwise disputed. Please allow 8–10 weeks from the transaction date for bonus points to be posted to your points account. Limit one-time bonus point offer (no cash value) per new account. This promotion is offered by Best Western and may be amended or cancelled at any time without notice. The Toronto-Dominion Bank is not responsible or liable for any aspect of this promotion.
The Toronto-Dominion Bank is the issuer of this credit card. MBNA is a division of The Toronto-Dominion Bank.
Each Best Western® branded hotel is independently owned and operated. Best Western and the Best Western marks are service marks or registered service marks of Best Western International, Inc.

2020: 2
2019: 2
2018: 5

The following rankings were in the hotel category

2017: 3
2016: 3
2015: 4
2014: 5
2013: 5
2012: 4
2011: 4
2010: 3
2020: 3
2019: 3
2018: Not in the top 5



Scotiabank American Express Card


Annual Fee $0

• Earn 5,000 bonus Scene+ Rewards points with your first $500 in everyday purchases in first 3 months◊
• Earn one Scene+ point on all eligible everyday purchases
• Flexible Point Redemption
• Rates, fees and other information are effective as of Mar 1, 2021. Subject to change.

Apply Now

2020: 4
2019: Not in the top 5
Card Previous Rankings


American Express Cobalt® Card
2021 Overall Top Travel Rewards Card
2021 Top Hybrid Travel Rewards Card |
2022 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

2020: 1
2019: 1
2018: 1


American Express® Gold Rewards Card


Card Type: Credit Card
Annual Fee: $250 Additional Card Fee: $0 for first additional a card, $50 for all others
Annual interest rate 20.99% on purchases and 21.99% on funds advances; Missed payment applicable rates, 23.99% and/or 26.99%

•  New American Express® Gold Rewards Cardmembers can earn a Welcome Bonus of 50,000 Membership Rewards® points when you charge $3,000 in purchases to your Card in your first 3 months of Cardmembership 
•  Plus, you can also earn an additional 10,000 points when you make a purchase between 14 and 17 months of Cardmembership
•  The Card is now available in your choice of Gold or Rose Gold metal options
•  60,000 points is enough to redeem for a round-trip flight to almost anywhere in Europe with the American Express Fixed Travel Points Program
•  Earn 2 points for every $1 in Card purchases at eligible gas stations, grocery stores and drugstores in Canada
•  Earn 2 points for every $1 in Card purchases for eligible travel purchases, including flights, hotels, car rentals, cruises, and more
•  Earn 1 point for every $1 in Card purchases everywhere else
•  Receive a $50 CAD statement credit when a NEXUS application or renewal fee is charged to your American Express Gold Rewards Card
•  You have access to an annual $100 CAD Travel Credit, compliments of your American Express Gold Rewards Card. Use the credit once annually towards any single travel booking of $100 or more charged to your Gold Rewards Card through American Express Travel Online
•  As a Gold Rewards Cardmember, you can receive complimentary membership in Priority PassTM  – one of the world’s largest independent airport lounge programs. Escape the chaos of airports and relax in an oasis of calm and simply enjoy the fact that the travel experience has begun before your plane has even left the ground. Enrollment is required and entry fees apply
•  Enjoy four (4) complimentary visits per Calendar year to Plaza Premium Lounges across Canada. Entry fees apply once complimentary visits have been used
•  Charge any eligible purchase to your credit Card then log in to redeem your earned points for a statement credit
•  Transfer points 1:1 to several frequent flyer and other loyalty programs
•  1 Free Additional Gold Rewards Card (a $50 value) to help you earn points faster
•  Subject to approval. The preferred rate for purchases is 20.99% and funds advances is 21.99%. If you have Missed Payments, the applicable rates for your account will be 23.99% and/or 26.99%. 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 of monitoring the accuracy of information on this website. For full details and current product information click the Apply now link. Conditions apply.

Apply Now

2020: 2
2019: 2
2018: 2
2017: 1
2016: 1
2015: 1
2014: 1
2013: 1
2012: 1
2011: 1
2010: N/A


HSBC World Elite® Mastercard®

Earn up to 100,000 Points. PLUS a full annual fee rebate for the Primary Cardholder for the first year

Primary Cardholder Annual Fee: $149 (1st year annual fee waiver)
Authorized User Annual Fee: $50 Per Card
Annual interest rate: 19.9% on purchases and 22.9% on funds advances and balance transfers.
$80,000 personal or $150,000 household annual income

Earn up to 100,000 Points* ($500 travel value) PLUS a full annual fee rebate for the Primary Cardholder for the first year ($149 value). Must apply by January 31, 2022. Conditions Apply.

• Welcome Bonus of 20,000 Points ($100 travel value)
• Spend $6,000 in the first 180 days to earn an additional 50,000 Points ($250 travel value)
• Earn 10,000 Points ($50 travel value) for adding your 1st Authorized User
• Receive an additional 20,000 Points ($100 travel value) as an Anniversary Bonus
• Annual Fee Rebate for the Primary Cardholder for the first year ($149 value)

• Earn 3% in travel rewards on all eligible travel purchases (6 Points per $1) and earn 1.5% in travel rewards on all other eligible purchases (3 Points per $1)
• No foreign transaction fees. Only the exchange rate will apply
• Enjoy maximum flexibility and redeem your Points on your terms for:

• Travel
• Gift cards and valuable merchandise
• Financial rewards
• Rewards for miles

Apply Now

*Terms and Conditions apply
®/TM Mastercard and World Elite are registered trademarks, and the circles design is a trademark of Mastercard International Incorporated. Used pursuant to licence

This offer is only available to residents of Canada other than the province of Quebec (Quebec residents eligible for separate offer)

2020: 5
2019: 4


RBC Avion Visa Infinite

Annual Fee: $120
Additional Card Fee: $50

  • Get 35,000 welcome points – enough to fly anywhere within Canada and the US – that’s up to a $750 value!
  • Earn 1 RBC Rewards® point for every dollar you spend* and an extra 25% on eligible travel purchases.
  • When you are ready to travel again, Avioners can book flights with points on any airline, on any flight, at any time, early or last minute, with no blackout periods or restrictions.
  • Avioners earn points that never expire so your points will be waiting for your next adventure.
  • Redeem your points for travel and more. Use points for anything from paying bills and paying your card balance to redeeming for Gift Cards and Merchandise at top brands like Apple. The RBC Rewards program gives you the freedom of choice to use your points your way, and helps you make the most as an Avioner.
  • Eligible RBC Rewards members can also convert points to other loyalty programs including WestJet dollars, British Airways Avios points and Hudson’s Bay Rewards points.
  • Link your RBC card with a Petro-Points membership to instantly save 3₵ per litre on fuel at Petro-Canada stations and earn 20% more Petro-Points and 20% more RBC rewards points
  • Link your RBC card with a Rexall Be Well account and get 50 Be Well points for every $1 spent on eligible products at Rexall. Redeem Be Well points faster for savings in store on eligible purchases where 25,000 Be Well points = $10
  • Get access to RBC offers which provides access to earn points faster at specified brands
  • Extensive insurance including: mobile device insurance, travel insurance (trip cancellation, interruption and emergency medical) and other eligible purchases to protect you and your family
  • Avioners get access to luxury Visa Infinite benefits including first in line for exclusive events, and hotel and dining benefits.
  • Avioners no longer need 14-days to book travel using the RBC grid
  • Up to a 2.3% return on your spending depending on which reward ticket you book
  • Unwritten ability to redeem for Business Class tickets although at a lower rate of return when compared to the Avion Reward chart
  • Get $0 delivery fees for 12 months from DoorDash17 - Add your eligible RBC credit card to your DoorDash account to:
    • Get a 12-month complimentary DashPass subscription18 – a value of almost $120
    • Enjoy unlimited deliveries with $0 delivery fees on orders of $12 or more when you pay with your eligible RBC credit card
Apply Now
2020: 3
2019: 3
2018: 3
2017: 2
2016: 2
2015: 2
2014: 2
2013: 2
2012: 2
2011: 2
2010: 1

The Platinum Card®

Card Type: Charge
Annual Fee: $699 Additional Card Fee: $175 for Platinum, $50 for Gold

• Unlock special experiences with the Platinum Card
• Earn up to 100,000 Membership Rewards® points:
• New Platinum® Cardmembers, earn 80,000 Welcome Bonus points after you charge $6,000 in net purchases to your Card in your first 3 months of Cardmembership– enough to redeem for a $800 credit towards eligible purchases
• Plus, you can also earn 20,000 points when you make a purchase between 14 and 17 months of Cardmembership – enough to redeem for a $200 credit towards eligible purchases
• Earn 3 points for every $1 in Card purchases on eligible dining and food delivery in Canada, 2 points for every $1 in Card purchases on eligible travel, and 1 point for every $1 in all other Card purchases
• You will have access to a $200 CAD Annual Travel Credit to use towards any single travel booking of $200 or more charged to your Platinum Card and made on www.americanexpress.ca/travel or through Platinum Card Travel Service 
• Take full advantage of The American Express Global Lounge CollectionTM  which unlocks access to over 1200 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
• Enjoy flexible ways to use your points such as statement credits for any eligible purchase charged to your Card, new travel purchases booked on American Express Travel Online through the Flexible Points Travel Program, and eligible flights through the Fixed Points Travel Program
• Transfer points 1:1 to several frequent flyer and other loyalty programs
• Enjoy complimentary benefits that offer an average value of $550 USD at over 1,000 extraordinary properties worldwide when you book Fine Hotels + Resorts
• Platinum Cardmembers can enjoy access to special events and unique opportunities
• Enjoy premium benefits at the Toronto Pearson Airport such as discount on parking
• You will also have access to many leading hotel and car rental companies’ loyalty programs. Our partners include Marriott International, Hilton Hotels and Resorts, Radisson Hotel Group Americas, Hertz and Avis
• As a Charge Card, interest applies in accordance with your Cardmember Agreement, Information Box, and Disclosure statement if the total New Balance is not paid by the Payment Due Date each month. All payments must be received by the Payment Due Date shown on the monthly statement
• 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 Apply now link. Conditions apply


Apply Now

2020: 5
2019: 5
2018: 4
2017: 3
2016: 3
2015: 3
2014: 3
2013: 3
2012: 3
Card Previous Rankings



TD® Aeroplan® Visa Infinite* Card

Annual Fee $139
Additional Cards: $75 †
Annual interest rate 19.99% on purchases and 22.99% on funds advances
$60,000 personal or $100,000 household annual income

Limited Time Offer
Earn up to $1,250 in value† including up to 25,000 Aeroplan points, no annual fee for the first year and additional travel benefits. Must apply by March 6, 2022.

  • Earn a welcome bonus of 10,000 Aeroplan points when you make your first purchase with your new card†
  • Earn an additional 15,000 Aeroplan points when you spend $1,000 within 90 days of Account opening†
  • Earn a Bonus Buddy Pass† that can score you a second ticket when you book an economy ticket. On the second ticket, you only pay the taxes and third-party charges. You’ll receive the one-time use pass when you spend $1,000 within 90 days of Account opening†, and you have a whole year to use it†
  • Enroll for NEXUS and once every 48 months get an application fee rebate†, and share free first checked bags†
  • Plus, get an annual fee rebate for the first year†.
  • To receive the first-year annual fee rebate, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening and you must add your Additional Cardholders by March 7, 2022.
Earning Aeroplan Points
  • Earn 1.5 points† for every $1 spent on eligible gas, grocery and direct through Air Canada® purchases (including Air Canada Vacations®) made with your card
  • Earn 1 point† for every $1 spent on all other Purchases made with your Card
  • Earn points twice when you pay with your Card and provide your Aeroplan number at over 150 Aeroplan partner brands and at 170+ online retailers via the Aeroplan eStore (www.aeroplan.com/estore).
  • Your Aeroplan Points do not expire as long as you are a TD® Aeroplan® Visa Infinite* Cardholder in good standing
Card Benefits
  • Travel lightly through the airport and save on baggage fees† : Primary Cardholders, Additional Cardholders, and travel companions (up to eight) travelling on the same reservation will all enjoy their first checked bag free (up to 23kg/50lbs) when your travel originates on an Air Canada flight.
  • Complimentary Visa Infinite Concierge† : On-call 24 hours a day, seven days a week, the Visa Infinite Concierge can help with any Cardholder request — big or small, to help you get the most out of life whenever you travel, shop and use your Card.
  • Visa Infinite Luxury Hotel Collection†: Receive seven exclusive benefits when you book your stay through the Visa Infinite Luxury Hotel Collection featuring over 900 of the world’s most intriguing properties.

Apply Now

This offer is not available for residents of Quebec. For Quebec residents, please click here.

† 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 any TD product, please click the Apply Now button.

2020: 1 (coalition)
2019: 1 (coalition)
2018: 1 (coalition)
2017: 1 (airline)
2016: 1 (airline)
2015: 1 (airline)
2014: 1 (airline)


WestJet RBC World Elite Mastercard


Earn up to 450 welcome WestJet dollars plus receive a $0 companion fare for travel in Canada, to the U.S or Mexico

Receive 250 WestJet dollars on your first purchases and 200 WestJet dollars when you spend $5,000 in the first three months
Receive a Status Lift of $500 in tier qualifying spend with just $5,000 in everyday purchases on your WestJet RBC World Elite Mastercard. You can earn three lifts between September 1 and December 31, 2021 for a total of $1,500 in tier qualifying spend.
- Annual $119/$399 Companion Flight when you sign up for and receive the WestJet RBC World Elite Mastercard.
- Earn 1.5% back in WestJet dollars on every purchase you make with your card
- Earn 2% back in WestJet dollars when you purchase WestJet flights or WestJet Vacations packages with your card
- Companion flight vouchers are an annual benefit.
- First bag free for the primary cardholder up to 8 people traveling on the same reservation to anywhere WestJet flies!
- Companion voucher details:
  • Travel to Canada and the Continental US for $119 CAD
  • Travel to the rest of the WestJet network for $399 CAD
Apply Now
2020: 1
2019: 1
2018: 1
2017: 2
2016: 2
2015: 2
2014: 2
2013: 3
2012: 3
2011: 2
2010: 2

American Express® Aeroplan®* Card

Card Type: Charge Card   
Annual Fee: $120
Additional Card Fee: $120 for each Additional Aeroplan®* Card to share some of the benefits and earn Aeroplan points faster $0 for each Additional Aeroplan®* No Fee Card to earn points faster

  • New American Express® Aeroplan®* Cardmembers can earn up to a total of 40,000 welcome bonus Aeroplan points and a bonus Buddy Pass:
  • Earn 10,000 Aeroplan points and a bonus Buddy Pass for an eligible round-trip flight within North America after spending $1,500 in purchases within the first three months of Cardmembership
  • Plus, you can also earn 2,500 Aeroplan points for each monthly billing period in which you spend $500 in purchases on your Card for the first twelve months of Cardmembership. That could add up to 30,000 Aeroplan points
  • With a bonus Buddy Pass, you can bring a friend anywhere Air Canada®* flies in North America. On the second ticket, you only pay the taxes and third-party charges
  • New Cardmembers: Earn up to $1,200 in value within your first year. Spend applies to bonus point offers valued at up to $800
  • Eligible cardmembers get a FREE Uber Pass membership for 6 months. Including unlimited $0 delivery fee on eligible restaurant orders of $15 or more, 5% off eligible restaurant orders over $15, and exclusive Rides Perks
  • Earn 2X the points on eligible purchases made directly with Air Canada®* and Air Canada vacations®*
  • Earn 1.5X the points on eligible Dining and Food Delivery purchases in Canada*
  • Earn 1X the points on everything else*
  • Enjoy your first checked bag free (up to 23kg/50lb) for up to 9 people travelling on the same reservation on Air Canada®* flights
  • Earn 1,000 Status Qualifying Miles and 1 Status Qualifying Segment for every $10,000 in eligible net purchases charged to your Card
  • As an American Express Aeroplan Cardmember, you can often book flight rewards for even fewer points with preferred pricing
  • American Express® Experiences: From music and movies, to specially curated dining and online shopping opportunities, stay connected with all that we have to offer from the comfort of your own home
  • Enjoy an array of travel related insurance benefits such as Lost or Stolen Baggage Insurance and up to $500,000 in Travel Accident Insurance
  • 24/7 Customer Service and Emergency Card Replacement
  • • As part of our commitment to sustainability, the American Express® Aeroplan®* Card has been made with 70% reclaimed plastic
  • No pre-set spending limit on purchases gives you flexibility. Using a charge card is a great way to manage your finances as the balance must be paid in full each month*
  • 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 Apply now link. Conditions apply. 

Apply Now

New to the rankings


Alaska Airlines World Elite® Mastercard®

A new Alaska Airlines World Elite Mastercard® credit card could take you places. If approved, you could receive new benefits and start earning more Mileage Plan™ miles.
• 30,000 bonus miles†† and Alaska's Famous Companion Fare™ from $121 (USD) ($99 plus taxes and fees from $22)◊◊ after you make $1,000 or more in eligible purchases within the first 90 days of your account opening.
• One complimentary checked bag per passenger on the same qualifying reservation, up to a maximum of six passengers.æ
• Every year on your account anniversary buy one round trip and get a companion fare of $121 (USD) ($99 plus taxes and fees from $22)◊◊ on Alaska Airlines. There are no blackout dates.
• Earn 3 miles‡ for every $1 charged to your Alaska Airlines Mastercard credit card on tickets, vacation packages, and cargo services from Alaska Airlines.
• Earn 1 mile‡ for every $1 spent on other eligible purchases.
• Earn and redeem‡ Alaska Mileage Plan miles on global airline partners of Alaska Airlines to 900+ destinations.
• $99 annual fee
• Minimum Credit Score: 680
• Standard Annual Interest Rates of 19.99% on purchases, 22.99% on balance transfers✪ and access cheques, and 22.99% on cash advances
• Your personal annual income must be greater than $80,000, or your household annual income must be $150,000 or greater††††
• This offer is not available for residents of Quebec.  For residents of Quebec, please click here.


Apply Now

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.
†† To qualify for this offer, an applicant must be approved for World Elite card and a single or combination of purchase transactions totaling at least one thousand Canadian dollars (CAD 1,000) must be made using such account within the first 90 days of account opening that are not subsequently rescinded, the subject of a charge back request or otherwise disputed. Please allow 8-10 weeks from the transaction date for bonus Miles to be posted to your Mileage Plan account. Account must be open and active on posting/delivery date to qualify for bonus Miles. Limit one-time bonus Miles offer (no cash value) per new account. Reissues, fraud, lost/stolen and reopened accounts do not qualify for this offer. This promotion is offered by MBNA and may be amended or cancelled at any time without notice. Additional bonus Miles may be awarded if a completed application is submitted to an Alaska Airlines employee.
‡ These are highlights of the credit card rewards program (the “Program”) associated with this credit card account. Miles will be awarded on eligible transactions charged to your account as set out in the Program terms and conditions. Complete terms and conditions describing Program eligibility, accrual and redemption of Miles, and other important conditions, limitations and restrictions will be sent after your account is opened. Please read the terms and conditions carefully upon receipt. Accumulated Miles can only be redeemed in accordance with the Alaska Airlines Mileage Plan program (the “Alaska Program”). The Toronto-Dominion Bank has no liability or responsibility for any aspect of the Alaska Program. Please visit www.alaskaair.com for complete Alaska Program terms and conditions.
◊◊ Companion Certificates can only be used for a coach class seat on an Alaska Airlines operated flight with the purchase of another ticket on the same Alaska Airlines flight within or between the continental United States, Alaska, Canada, Hawaii or Mexico. To obtain the Companion Certificate in the first year of the account, the credit card application must be approved and a single or combination of purchase transactions totaling at least one thousand Canadian dollars (CAD 1,000) must be made using such account within the first 90 days of account opening that are not subsequently rescinded, the subject of a charge back request or otherwise disputed. Please allow 8-10 weeks from the transaction date for the Companion Certificate to be delivered. To qualify for the Companion Certificate in the second and subsequent years of the account, the account must be open and active on the account anniversary. Reissues, fraud, lost/stolen and reopened accounts do not qualify for this offer. This promotion is offered exclusively by Alaska Airlines. The Toronto-Dominion Bank is not responsible or liable for any aspect of this promotion. For a complete explanation of this benefit, please visit www.alaskaair.com.
ӕ Complimentary Checked Bag Benefit: Primary cardholders of the Alaska Airlines World Elite Mastercard consumer credit card ("World Elite account") who make a qualifying reservation and have an open World Elite account at the time of travel are eligible to receive a baggage allowance on qualifying reservations consisting of one (1) complimentary checked bag per passenger on the same ticket for the same Alaska Airlines flight, up to a maximum of six (6) complimentary checked bags per ticket. Qualifying reservations include flights marketed by Alaska Airlines and operated by Alaska Airlines, Horizon Air, SkyWest or PenAir (codeshare flights operated by other carriers are not eligible). Primary cardholder must be an Alaska Airlines Mileage Plan™ member. Baggage restrictions apply. See alaskaair.com/freebagfaq for complete baggage rules. Payment with the World Elite account is not required to qualify for this benefit. Offer may not be applied retroactively, and no refunds will be issued. Not applicable for passengers who already receive 1 or more free checked bags. New holders of the World Elite account, and cardholders upgrading from another Alaska Airlines credit card to a World Elite account, will be eligible for this benefit approximately 2-3 weeks after approval. This promotion is offered exclusively by Alaska Airlines. The Toronto-Dominion Bank is not responsible or liable for any aspect of this promotion. For a complete explanation of this benefit, please visit www.alaskaair.com
✪ Balance transfers will be fulfilled in the order listed and are treated as balance transfers in accordance with your Account Agreement. The total value of balance transfers cannot exceed your authorized credit limit. If the value is greater, MBNA may send a partial payment to the named creditor/designated account. THERE WILL BE A TRANSACTION FEE EQUAL TO 1.00% OF THE DOLLAR AMOUNT OF EACH BALANCE TRANSFER INITIATED WITH THIS APPLICATION. A MINIMUM FEE OF $7.50 WILL APPLY TO EACH BALANCE TRANSFER TRANSACTION. A balance transfer may not be used to pay off or down your account balance or any other balances with us (including our affiliates, which would include any member of the TD Bank Group).
The Toronto-Dominion Bank is the issuer of this credit card. MBNA is a division of The Toronto-Dominion Bank.
2020: 2
2019: 2
2018: 2
2017: 3
2016: 4
2015: 5
2014: Out of top 5
2013: Out of top 5
2012: Out of top 5
2011: Out of top 5
2010: 5


RBC British Airways Visa Infinite Card

Annual Fee: $165
Additional Card Fee: $75

Get Up To 60,000 Aviosˆ with the RBC® British Airways Visa Infinite
Apply by February 28, 2022.

Receive up to 60,000 Aviosˆ, here’s how:
Step 1: Receive 15,000 Avios as welcome bonus upon approval
Step 2: 35,000 bonus Avios when you spend $6,000 CAD in the first 3 months
Step 3: Another 10,000 bonus Avios after your first yearˆ

  • Collect 1 Avios for every $1 CAD spent on qualifying net purchases*
  • Collect double Avios when you shop with British Airways and BA Holidays*
  • Earn a Companion Award eVoucher when you spend $30,000 CAD annually˜
  • 10% off British Airways flights when you book and pay with your card∞
  • Redeem for flights and more - you can spend your Avios on all of the travel things you love, including cabin upgrades with British Airways or reward flights with British Airways and any of the oneworld partner airlines to almost 1,000 destinations worldwide**
  • Comprehensive Insurances including 31–day out of country/province emergency medical insurance1, flight delay insurance2, hotel burglary3 and rental car4 insurance. Even eligible purchases you make with the card are protected3.
  • Luxury Visa Infinite benefits5 such as first in line service for exclusive events and hotel and dining exclusives via www.visainfinite.ca
  • Complimentary 24/7 Concierge Service5
  • Link your RBC card with a Petro-Points membership to instantly save 3₵ per litre on fuel at Petro-Canada stations and earn 20% more Petro-Points and 20% more RBC rewards points
  • Get $0 delivery fees for 12 months from DoorDash
  • Link your RBC British Airways Visa Infinite card with a Rexall Be Well account and get 50 Be Well points for every $1 spent on eligible products at Rexall. Redeem Be Well points faster for savings in store on eligible purchases where 25,000 Be Well points = $10

Apply Now

Corresponding legal references and product terms are available on the RBC website, which will be available and agreed upon in the customer onboarding process.

This post contains affiliate links. Please read our disclaimer for more info.

2020: 3
2019: 3
2018: 3
2017: 5
2016: 5
2015: Out of top 5
2014: Out of top 5
2013: 5
2012: Out of top 5
2011: Out of top 5
2010: 4 (Platinum Version)
Card Previous Rankings

The Platinum Card®

Card Type: Charge
Annual Fee: $699 Additional Card Fee: $175 for Platinum, $50 for Gold

• Unlock special experiences with the Platinum Card
• Earn up to 100,000 Membership Rewards® points:
• New Platinum® Cardmembers, earn 80,000 Welcome Bonus points after you charge $6,000 in net purchases to your Card in your first 3 months of Cardmembership– enough to redeem for a $800 credit towards eligible purchases
• Plus, you can also earn 20,000 points when you make a purchase between 14 and 17 months of Cardmembership – enough to redeem for a $200 credit towards eligible purchases
• Earn 3 points for every $1 in Card purchases on eligible dining and food delivery in Canada, 2 points for every $1 in Card purchases on eligible travel, and 1 point for every $1 in all other Card purchases
• You will have access to a $200 CAD Annual Travel Credit to use towards any single travel booking of $200 or more charged to your Platinum Card and made on www.americanexpress.ca/travel or through Platinum Card Travel Service 
• Take full advantage of The American Express Global Lounge CollectionTM  which unlocks access to over 1200 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
• Enjoy flexible ways to use your points such as statement credits for any eligible purchase charged to your Card, new travel purchases booked on American Express Travel Online through the Flexible Points Travel Program, and eligible flights through the Fixed Points Travel Program
• Transfer points 1:1 to several frequent flyer and other loyalty programs
• Enjoy complimentary benefits that offer an average value of $550 USD at over 1,000 extraordinary properties worldwide when you book Fine Hotels + Resorts
• Platinum Cardmembers can enjoy access to special events and unique opportunities
• Enjoy premium benefits at the Toronto Pearson Airport such as discount on parking
• You will also have access to many leading hotel and car rental companies’ loyalty programs. Our partners include Marriott International, Hilton Hotels and Resorts, Radisson Hotel Group Americas, Hertz and Avis
• As a Charge Card, interest applies in accordance with your Cardmember Agreement, Information Box, and Disclosure statement if the total New Balance is not paid by the Payment Due Date each month. All payments must be received by the Payment Due Date shown on the monthly statement
• 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 Apply now link. Conditions apply


Apply Now

The following rankings were in the hybrid category

2020: 4
2019: 5
2018: 4
2017: 3
2016: 3
2015: 3
2014: 3
2013: 3
2012: 3
2011: N/A
2010: N/A

American Express® Aeroplan®* Business Reserve Card

Card Type: Credit   
Annual Fee: $599
Additional Card Fee: $199 for Aeroplan®* Business Reserve Cards to share some of the benefits and earn Aeroplan points faster, $0 for Aeroplan®* Business Reserve No Fee Cards to earn points faster
Annual interest rate 16.99% on purchases and 21.99% on funds advances

Earn up to 90,000 Aeroplan points and a bonus Buddy Pass. Earn a welcome bonus of 30,000 Aeroplan points and a bonus Buddy Pass for an eligible flight within North America after spending $5,000 in purchases within the first three months of Cardmembership. With a bonus Buddy Pass, you can bring a friend anywhere Air Canada®* flies in North America. On the second ticket, you only pay the taxes and third-party charges. Plus, you can also earn 5,000 Aeroplan points for each monthly billing period in which you spend $2,000 in purchases on your Card for the first twelve months of Cardmembership. That could add up to 60,000 Aeroplan points.
• Eligible cardmembers get a FREE Uber Pass membership for 12 months. Including unlimited $0 delivery fee on eligible restaurant orders of $15 or more, 5% off eligible restaurant orders over $15, and exclusive Rides Perks.
• Earn 2X the points on eligible purchases with Rocky Mountaineer. Plus, you could receive a GoldLeaf Service Upgrade, and a hotel room upgrade.
• Earn up to $3,000 in value within your first year. Spend applies to bonus point offers valued at up to $1,800.
• Earn 3 points for every $1 spent on eligible purchases made directly with Air Canada and Air Canada Vacations, 2 points for every $1 spent on eligible hotels and car rentals, and 1.25 points for every $1 spent on everything else
• Your American Express Aeroplan Business Reserve Card gives you access to more than 1,200 Priority Pass airport lounges around the globe. That means an oasis of comfort before your flight—regardless of your choice of airline or cabin class
• Enjoy access to select Air Canada Maple Leaf Lounges™* and Air Canada Cafes™ in North America, with a same day ticket on a departing Air Canada or Star Alliance flight
• You and up to eight companions will enjoy Priority Check-In, Priority Boarding, and Priority Baggage Handling when you fly with Air Canada.
• You and up to eight companions travelling on the same reservation will all enjoy your first checked bag free (up to 23kg/50lb) when your travel originates on an Air Canada flight
• Receive one Annual Worldwide Companion Pass when you spend $25,000 in net purchases prior to your Card anniversary date; your Pass entitles you to buy an accompanying Air Canada economy class ticket for a companion at a fixed base fare from $99 to a maximum of $599 CAD (plus taxes, fees, charges, and surcharges)
• Pay with your American Express Aeroplan Business Reserve Card and present your Aeroplan Membership Card at over 170 Aeroplan partner brands and 120 online retailers via the Aeroplan eStore to earn points twice
• If you’re departing from Toronto Pearson International Airport, enjoy the benefits of being an American Express Aeroplan Business Reserve Cardmember. Get more from your travel experience with access to Pearson Priority Security Lane, complimentary valet service, 15% discount on parking rates, and 15% discount on Car Care Services
• Roll over any unallocated Aeroplan Elite™ Status Qualifying Miles and unused eUpgrade Credits to the following year to enjoy during your travels
• Enjoy priority access to the standby list and eUpgrades. Get prioritized on the standby waitlist for an Air Canada flight and higher priority when you request an eUpgrade
• Earn 1,000 Status Qualifying Miles and 1 Status Qualifying Segment for every $5,000 in eligible net purchases charged to your Card
• Book flight reward tickets for even fewer points with Air Canada. In addition to flights, you can also redeem for hotel stays, car rentals, vacation packages, merchandise and more
• Make the most of a suite of business management tools that give you more control over your business anytime and anywhere
• Leverage your cash flow with the option of carrying a balance or paying in full each month • American Express® Aeroplan®* Business Reserve Card is made from precision cut and engraved 13g metal – it’s the perfect companion on your next exceptional journey
• 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 Apply now link. Conditions apply

Apply Now

New to the rankings


TD® Aeroplan® Visa Infinite Privilege* Card


Annual Fee $599
Additional Cards: $199 †
Annual interest rate 19.99% on purchases and 22.99% on funds advances
$200,000 household annual income

Limited Time Offer

Earn up to $2,400 in value† including up to 65,000 Aeroplan points and additional travel benefits. Must apply by March 6, 2022.

  • Earn a welcome bonus of 20,000 Aeroplan points when you make your first purchase with your new card†
  • Earn an additional 45,000 Aeroplan points when you spend $1,000 within 90 days of Account opening†
  • Earn a Bonus Buddy Pass† that can score you a second ticket when you book an economy ticket. On the second ticket, you only pay the taxes and third-party charges. You’ll receive the one-time use pass when you spend $1,000 within 90 days of Account opening†, and you have a whole year to use it†
  • Enroll for NEXUS and once every 48 months get an application fee rebate†, share free first checked bags†, and get access to Maple Leaf Lounges†

  • Earn Aeroplan Points on your everyday purchases
  • Take advantage of an extensive suite of travel insurance.
  • Get access to Priority Airport Services† like Priority Boarding, Priority Baggage Handling, and Priority Airport Standby & Priority Airport Upgrades†.
  • Earn 2 points† for every $1 spent on eligible purchases made direct through Air Canada® purchases (including Air Canada Vacations®)
  • Earn 1.5 points† for every $1 spent on eligible gas, grocery, travel and dining purchases
  • Earn 1.25 points† for every $1 spent on all other purchases made with your Card
  • Earn points twice when you pay with your Card and provide your Aeroplan number at over 150 Aeroplan partner brands and at 170+ online retailers via the Aeroplan eStore (www.aeroplan.com/estore)

  • Global Airport Lounge Access† : Receive a complimentary Priority Pass™ membership and take advantage of six lounge visits included for each Cardholder per membership year at over 1,300 airport lounges worldwide.
  • Complimentary Visa Infinite Concierge† : On-call 24 hours a day, seven days a week, the Visa Infinite Concierge can help with any Cardholder request — big or small, to help you get the most out of life whenever you travel, shop and use your Card.
  • Visa Infinite Luxury Hotel Collection†: Receive seven exclusive benefits when you book your stay through the Visa Infinite Luxury Hotel Collection featuring over 900 of the world’s most intriguing properties. Enjoy an additional 8th benefit at over 200 properties, exclusively for Visa Infinite Privilege cardholders.

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This offer is not available for residents of Quebec. For Quebec residents, please click here .

† 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 any TD product, please click the Apply Now button

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RBC Avion Visa Infinite Privilege


Annual Fee: $399
Additional Card Fee: $99

  • Get 35,000 Welcome Points upon Approval when you apply by November 15, 21
  • Earn 1.25 RBC Rewards points for every dollar you spend
  • Book flights, hotel stays, cruises, vacation packages, car rentals with RBC Rewards site, powered by Orbitz
  • Transfer your RBC Rewards points towards other eligible loyalty programs (WestJet Rewards, British Airways Executive Club, American AAdvantage, Cathay Pacific Asia Miles. Look for the transfer bonuses to the airlines several times per year!)
  • Premium suite of insurances including trip cancellation, trip interruption, travel medical, car rental insurance
  • Priority PassTmembership and 6 lounge pass visits
  • Redeem your points toward your credit card balance using Payback with Points
  • Get a complimentary DashPass subscription from DoorDash for up to 12 months and enjoy unlimited deliveries from qualifying restaurants you love—with $0 delivery fees on orders of $12+ when you pay with an eligible RBC credit card!*
  • Instantly save 3₵ per litre on fuel & earn 20% more Petro-Points§ and RBC Rewards points when you link your Petro-Points card to any RBC Card online.
  • Up to a 2.3% return on your spending depending on which reward ticket you book
  • Unwritten ability to redeem for Business Class tickets although at a lower rate of return when compared to the Avion Reward chart
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BMO eclipse Visa Infinite Privilege* Card


Annual Fee: $499 Primary Card $99 Additional Card
Interest Rate: Purchases 20.99% Cash Advances 23.99%

Welcome offer: Get up to 50,000 points*

Bonus offer is as follows: 35,000 BMO Rewards welcome bonus points will be applied to your BMO Rewards Collector Account after you spend a minimum of $5,000 in the first three months. Receive an additional 15,000 BMO Rewards points anniversary bonus twelve (12) months after the Credit Card account open date if your account is in good standing
· Earn 5x the BMO Rewards points on groceries, dining, drugstore purchases, gas and travel*
· Get 1 BMO Reward for every $1 spent on everything else*
· Get a $200 annual lifestyle credit to spend however you want*
· Mobile Device Insurance that covers you for up to $1,000*
· Earn 25% more points when you add an authorized user to your account*
· Pay with Points by browsing your recent transactions & redeem your points for as little as $1
· Enjoy Priority PassTM membership and 6 lounge pass visits for primary cardholders and 6 lounge pass vists for every authorized user on the account per year*
· Airport experiences along with Priority Security Lane, airport parking and valet service discounts at select Canadian airports*
· Enjoy the Visa Infinite Dining Series and Visa Infinite Wine Country*


Apply Now
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
*Terms and conditions apply

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