Canada's Choice 2022 Winners



Canada we asked you to come out and vote for your favourite credit cards and loyalty programs in Canada. And vote you did! We had over 21,000 people vote in the 2022 edition of Canada's Choice making it a record breaking year! That's nearly 3,000 more than our previous record set back in 2014.

The results have been tabulated and we are pleased to present them to you here. For some categories there are no surprises while we were definitely surprised by some others! We want to give a big thank you to our regulars readers who cast their votes and also a big thank you to a lot of newcomers who came to our site to vote

These are the 10 categories featured in Canada's Choice 2022:

Click here to see the Top 10 results for each category



Top Overall Travel Rewards Credit Card


Top No Annual Fee Travel Rewards Credit Card


Top Airline Credit Card


Top No Foreign Transaction Fee Credit Card


Top Cash Back Credit Card


Top Ultra Premium Credit Card


Top Credit Card Rewards Program


Top Airline Loyalty Program


Top Hotel Loyalty Program


Top Shopping Loyalty Program



Wrapping it up

As mentioned at the top of this feature we weren’t surprised by some of the results – namely the TD Aeroplan Visa Infinite Card being so popular, Aeroplan and Marriott Bonvoy taking top airline and hotel programs respectively and PC Optimum holding on to being the top shopping loyalty program in Canada. No surprises there.

Where did the surprise come? Mainly in the Credit Card Reward program category with PC Optimum taking the top spot away from American Express Membership Rewards. And yet the PC Optimum credit cards didn't crack the top 3 cash back cards, so that was a little bit surprising.

In general the results do show the prowess that the large loyalty programs and credit card issuers have. It was all the big players who had great showings. Aeroplan, CIBC, TD, Marriott, PC Optimum – all of which are some of the most popular programs and credit card issuers in Canada and this reflects in the votes.

Once again we want to give a big thank you to all of you who came out to vote in Canada’s Choice 2022!

Want to see how these rankings compare to Rewards Canada's researched rankings? Check out our
Top Travel Rewards Credit Cards
Top Cash Back Credit Cards


Top 10 Results

 The Top 10 Results


Top Overall Travel Rewards Credit Card

Here are the Top 10 Overall Travel Rewards Credit Cards as voted by Canadians. Percentage of votes in brackets. There were 18,834 total votes cast in this category

  1. 1 TD® Aeroplan® Visa Infinite* Card (37.17%)
  2. 2 CIBC Aventura® Visa Infinite* Card (12.64%)
  3. 3 The Platinum Card® from American Express (9.63%)
  4. 4 RBC Avion Visa Infinite Card (8.02%)
  5. 5 WestJet RBC World Elite Mastercard (3.81%)
  6. 6 TD First Class Travel® Visa Infinite* Card (3.75%)
  7. 7 BMO AIR MILES®† World Elite®* MasterCard®* (3.58%)
  8. 8 American Express Cobalt® Card (3.39%)
  9. 9 Scotiabank Passport Visa Infinite Card (2.58%)
  10. 10 CIBC Aeroplan® Visa Infinite* Card (2.00%)
Top No Annual Fee Travel Rewards Credit Card

Here are the Top 10 No Annual Fee Travel Rewards Credit Cards as voted by Canadians. Percentage of votes in brackets. There were 13,191 total votes cast in this category

  1. 1 CIBC Aeroplan® Visa* Card (29.55%)
  2. 2 TD Rewards Visa* Card (25.24%)
  3. 3 BMO AIR MILES®† MasterCard®* (9.00%)
  4. 4 Scotiabank SCENE Visa Card (8.48%)
  5. 5 CIBC Aventura® Visa* Card (7.13%)
  6. 6 RBC ION Visa (6.13%)
  7. 7 American Express® Green Card (4.44%)
  8. 8 BMO Rewards® MasterCard (2.61%)
  9. 9 Scotiabank American Express Card (1.63%)
  10. 10 MBNA Rewards Platinum Plus® Mastercard® (1.46%)
Top Airline Credit Card

Here are the Top 10 Airline Frequent Flyer Program Credit Cards as voted by Canadians. Percentage of votes in brackets. There were 16,103 total votes cast in this category

  1. 1 TD® Aeroplan® Visa Infinite* Card (46.31%)
  2. 2 CIBC Aeroplan® Visa Infinite* Card (24.56%)
  3. 3 American Express® Aeroplan®* Card (16.39%)
  4. 4 WestJet RBC World Elite Mastercard (8.28%)
  5. 5 RBC British Airways Visa Infinite Card (0.94%)
  6. 6 Air France KLM World Elite MasterCard® (0.73%)
  7. 7 RBC Cathay Pacific Visa Platinum Card (0.56%)
  8. 8 MBNA Alaska Airlines World Elite Mastercard (0.52%)
  9. 9 TD® Aeroplan® Visa Infinite Privilege* Card (0.25%)
  10. 10 American Express® Aeroplan®* Reserve Card (0.22%)
Top No Foreign Transaction Fee Rewards Credit Card

Here are the Top 10 No FX Fee Rewards Credit Cards as voted by Canadians. Percentage of votes in brackets. There were 5,927 total votes cast in this category

  1. 1 Scotiabank Passport Visa Infinite Card (37.00%)
  2. 2 HSBC World Elite® Mastercard® (23.28%)
  3. 3 Scotiabank Gold American Express Card (13.82%)
  4. 4 Scotiabank Platinum American Express Card (12.03%)
  5. 5 Home Trust Preferred Visa (6.34%)
  6. 6 Brim World Elite Mastercard (5.52%)
  7. 7 Rogers World Elite Mastercard (0.94%)
  8. 8 Neo Card (0.74%)
  9. 9 Wise Card (0.17%)
  10. 10 Koho Premium Prepaid Mastercard (0.05%)
Top Cash Back Rewards Credit Card

Here are the Top 10 Cash Back Rewards Credit Cards as voted by Canadians. Percentage of votes in brackets. There were 11,228 total votes cast in this category

  1. 1 TD Cash Back Visa Infinite* Card (20.94%)
  2. 2 CIBC Dividend® Visa Infinite* Card (16.23%)
  3. 3 Scotia Momentum® VISA* Infinite card (8.58%)
  4. 4 PC Financial World Elite Mastercard (8.25%)
  5. 5 BMO CashBack® World Elite®* MasterCard®* (7.37%)
  6. 6 Neo Card (6.16%)
  7. 7 RBC Cash Back Preferred World Elite MasterCard (5.79%)
  8. 8 Tangerine Money-Back Credit Card (4.83%)
  9. 9 SimplyCash® Preferred Card from American Express (3.97%)
  10. 10 Triangle® World Elite® Mastercard® (3.61%)
Top Credit Card Reward Program

Here are the Top 10 Credit Card Reward Programs as voted by Canadians. Percentage of votes in brackets. There were 15,680 total votes cast in this category

  1. 1 PC Optimum (24.48%)
  2. 2 TD Rewards (17.09%)
  3. 3 American Express Membership Rewards (16.84%)
  4. 4 CIBC Rewards (12.90%)
  5. 5 Avion Rewards (9.24%)
  6. 6 Scene+ (7.36%)
  7. 7 Triangle Rewards (5.61%)
  8. 8 Neo Rewards (3.20%)
  9. 9 HSBC Rewards (1.01%)
  10. 10 MBNA Rewards (0.92%)
Top Airline Loyalty Program

Here are the Top 10 Airline Loyalty Programs as voted by Canadians. Percentage of votes in brackets. There were 19,202 total votes cast in this category

  1. 1 Air Canada Aeroplan (88.46%)
  2. 2 WestJet Rewards (6.51%)
  3. 3 Porter VIPorter (0.65%)
  4. 4 Delta SkyMiles (0.57%)
  5. 5 British Airways Executive Club (0.52%)
  6. 6 Air France KLM Flying Blue (0.50%)
  7. 7 United MileagePlus (0.47%)
  8. 8 Cathay Pacific Asia Miles (0.44%)
  9. 9 Alaska Airlines Mileage Plan (0.43%)
  10. 10 Qatar Airways Privilege Club (0.34%)
Top Hotel Loyalty Program

Here are the Top 10 Hotel Loyalty Programs as voted by Canadians. Percentage of votes in brackets. There were 15,133 total votes cast in this category

  1. 1 Marriott Bonvoy (42.23%)
  2. 2 Hilton Honors (18.50%)
  3. 3 IHG One Rewards (9.27%)
  4. 4 Best Western Rewards (9.13%)
  5. 5 ALL Accor Live Limitless (6.50%)
  6. 6 Wyndham Rewards (4.24%)
  7. 7 Choice Privileges (3.76%)
  8. 8 Hyatt World of Hyatt (3.01%)
  9. 9 Radisson Rewards (1.20%)
  10. 10 RSVP Rewards - Sandman & The Sutton Place Hotels (0.85%)
Top Shopping Loyalty Program

Here are the Top 10 Shopping Loyalty Programs as voted by Canadians. Percentage of votes in brackets. There were 18,207 total votes cast in this category

  1. 1 PC Optimum (49.31%)
  2. 2 AIR MILES (22.73%)
  3. 3 Triangle Rewards (7.85%)
  4. 4 Scene+ (7.21%)
  5. 5 Petro-Points (4.11%)
  6. 6 Hudson's Bay Rewards (2.36%)
  7. 7 Journie Rewards (1.74%)
  8. 8 More Rewards (1.66%)
  9. 9 Metro&Moi (0.84%)
  10. 10 Be Well (0.69%)