Canadian Travel Credit Card Comparison: Hybrid Credit Cards

This chart was originally posted on Sep 17, 2004 and was last updated on September 8, 2020

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

We also offer the following comparison charts:

Card	Card Type	Annual Fee	Additional Card Fee	Interest Rate	Foreign Transaction Fee	Minimum Income	Welcome Bonus	Earning	Bonus Features	Miles & Points Deposited to	Travel Agency Redemption Value	Exchange Options	Redemption Centre	Common Carrier Travel Accident Insurance	Flight Delay Insurance	Delayed Baggage Insurance	Lost / Stolen Baggage Insurance	Damaged Baggage Insurance	Trip Cancellation	Trip Interruption	Travel Medical Insurance up to 64 years old	Travel Medical Insurance 65+	Auto Rental Loss Damage	Hotel / Motel Burglary Insurance	Purchase Protection	Price Protection	Extended Warranty	Companion Air Ticket	Business Class Lounge Access	Priority Check In	Notes	Rewards Canada Review	Card
American Express Cobalt Card	Hybrid	$10 per month	$0	19.99%	2.5%	N/A	Up to 45,000 Points*	5 Points per dollar on food and drink 2 Points per dollar on travel, transit and gas 1 Point per dollar on everything else	N/A	Membership Rewards	1,000 points = $10	1 Point = 1 Hilton Honors Point 1 Point = 1.2 Marriott Bonvoy Points	Any Travel Provider	$250,000	4 hours $500 per person	6 hours up to $500	Yes up to $500	Yes up to $500	No	No	15 Days up to 65 years old	No	Up to $85,000	Yes up to $500	Yes 90 Days	No	Yes	No	No	No	* earn 2,500 Membership Rewards® points for each monthly billing period in which you spend $500 in net purchases on your Card. Plus, when you apply by May 5, 2021, you can earn a Welcome Bonus of 15,000 Membership Rewards® points when you spend a total of $3,000 in purchases on your Card in your first 3 months of Cardmembership	Yes read it here	American Express Cobalt Card
American Express Gold Rewards Card	Hybrid	$150	$0 for first card $50* each additional card	30% Non Revolving	2.5%	N/A	25,000 Membership Rewards Points	2 Points per dollar at grocery stores, gas stations or drug stores and on all Travel purchases 1 Point per dollar on everything else	N/A	Membership Rewards	1,000 points = $10	1 Point = 1 Mile with Aeroplan, British Airways 1 Point = .75 Miles with Alitalia, Etihad, Cathay Pacific and Delta 1 Point = 1 Hilton Honors Point 1 Point = 1.2 Marriott Bonvoy Points	Any Travel Provider	$500,000	4 hours $500 per person	4 hours up to $500	Yes up to $500	Yes up to $500	No	Yes $1,500 per person	15 Days up to 65 years old	No	Up to $85,000	Yes up to $500	Yes 90 Days	No	Yes	No	No	No	N/A	Yes read it here	American Express Gold Rewards Card
HSBC World Elite Mastercard	Hybrid	First year fee rebate then $149 (Quebec does not receive first year fee rebate)	$50	19.99% Purchase 22.9% Cash Advance	0	$80,000 personal or $150,000 household or $400,000 in assets at any Canadian Financial Institution	Up to 100,000 points (up to 130,000 in Quebec)	6 Points per dollar on travel 3 Points per dollar all other spending	$100 annual travel enhancement credit Unlimited Wi-Fi through Boingo at over 1 million hotspots worldwide	HSBC Rewards	100 points = $0.50	2.5 points = 1 British Airways Executive Club Avios 3 points = 1.35 Singapore Airlines KrisFlyer Miles 3 points = 1.2 Cathay Pacific Asia Miles	Any Travel Provider	$500,000	No	12 hours $200 per person	Yes up to $750	Yes up to $750	Yes $2,000 per person up to $5,000 maxmimum per account	Yes $2,000 per person up to $5,000 maxmimum per account	31 Days	No	Up to $65,000 MSRP	No	Yes 90 Days	No	Yes	No	Yes LoungeKey Membership	No	N/A	Yes read it here	HSBC World Elite Mastercard
Platinum Card from American Express	Hybrid	$699	$175 annually for Platinum Cards; $50 annually for Gold cards	30% Non Revolving	2.5%	N/A	25,000 Points	3 points for every $1 in Card purchases on eligible dining in Canada 2 points for every $1 in Card purchases on eligible travel 1 point for every $1 in all other Card purchases	$200 Annual Travel Credit Elite status with Marriott Bonvoy, Radisson Rewards, Hilton Honors, Shangri-La Golden Circle, Hertz & Avis	Membership Rewards	1,000 points = $10	1 Point = 1 Mile with Aeroplan, British Airways 1 Point = .75 Miles with Alitalia, Etihad, Cathay Pacific and Delta 1 Point = 1 Hilton Honors Point 1 Point = 0.4 Marriott Bonvoy Points	Any Travel Provider	$500,000	4 hours $1,000 per person	6 hours $1,000 per person	Yes up to $1,000	Yes up to $1,000	Yes $2,500 per person up to $5,000 maxmimum per account	Yes $2,500 per person up to $6,000 maxmimum per account	15 Days up to 65 years old	No	Up to $85,000	Yes up to $1,000	Yes 120 Days	No	Yes	Yes	Yes Priority Pass (Unlimited access) American Express Lounge Access Program Delta SkyClubs	No	N/A	No	Platinum Card from American Express
RBC Visa Infinite Avion	Hybrid	$120	$50	19.99% Purchase 22.99% Cash Advance	2.5%	$60,000 Personal or $100,000 Household	35,000 Points *	1.25 Points per dollar on travel 1 Points per dollar	N/A	RBC Rewards	up to 2.3% on flights as per the Avion Air Travel Redemption Schedule (e.g. 15,000 pts = short-haul flight worth up to $350) or 1,000 Points = $10 for other travel	1 Point = 1 Mile on British Airways or Cathay Pacific 1 Point = 0.7 American AAdvantage Miles 100 Points = 1 WestJet Dollar	RBC Rewards	$500,000	4 hours $250 per person	4 hours $500 per person	$500 per person	No	Yes $1,500 per person up to $5,000 maxmimum per account	Yes $1,500 per person up to $5,000 maxmimum per account	15 Days	3 Days	Up to $65,000 MSRP	Yes up to $2,500	Yes 90 Days	No	Yes	No	No	No	* Limited time offer	Yes read it here	RBC Visa Infinite Avion
RBC Visa Infinite Privilege Avion	Hybrid	$399	$99	19.99% Purchase 22.99% Cash Advance	2.5%	$200,000 Household	25,000 Points	1.25 Points per dollar	N/A	RBC Rewards	up to 2.3% on flights as per the Avion Air Travel Redemption Schedule (e.g. 15,000 pts = short-haul flight worth up to $350) or 1,000 Points = $10 for other travel	1 Point = 1 Mile on British Airways or Cathay Pacific 1 Point = 0.7 American AAdvantage Miles 100 Points = 1 WestJet Dollar	RBC Rewards	$500,000	4 hours $500 per person	4 hours $750 per person	Up to $2,500 total for all covered persons	Up to $2,500 total for all covered persons	Yes $2,500 per person	Yes $5,000 per person	31 Days	7 Days	Up to 48 Days Up to $85,000 MSRP	Yes up to $3,000	Yes 120 Days	No	Yes Triple	No	No	No	N/A	No	RBC Visa Infinite Privilege Avion
RBC Visa Platinum Avion	Hybrid	$120	$50	19.99% Purchase 22.99% Cash Advance	2.5%	N/A	15,000 Points	1 Point per dollar	N/A	RBC Rewards	up to 2.3% on flights as per the Avion Air Travel Redemption Schedule (e.g. 15,000 pts = short-haul flight worth up to $350) or 1,000 Points = $10 for other travel	1 Point = 1 Mile on British Airways or Cathay Pacific 1 Point = 0.7 American AAdvantage Miles 100 Points = 1 WestJet Dollar	RBC Rewards	$500,000	4 hours $250 per person	4 hours $500 per person	$500 per person	No	Yes $1,000 per person up to $5,000 maxmimum per account	Yes $2,500 per person	No	No	Up to 48 Days Up to $65,000 MSRP	Yes up to $2,500	Yes 90 Days	No	Yes Double	No	No	No	N/A	No	RBC Visa Platinum Avion