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By Credit Card Company
Canadian Travel Credit Card Comparison:
Most Popular Cards
 

This chart is part of Rewards Canada's Guide to Choosing a Travel Rewards Credit Card
and is a comparison of some of the more popular travel rewards credit cards.

15 years after we first launched these charts they get their first renovation! Now with a better left to right look (rather than up and down) and sortable columns! Insurances have been expanded with more detail

We also offer the following comparison charts:

Card Card Type Annual Fee Additional Card Fee Interest Rate Foreign Transaction Fee Minimum Income Welcome Bonus Renewal 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 AeroplanPlus Platinum Card



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Coalition $499 $199

($50 annually for AeroplanPlus®* Gold Cards)
19.99%
Purchase

22.99%
Cash Advance
2.5% N/A 40,000 Miles * 0 1.25 Aeroplan Miles per dollar spent up to $25,000

1.5 Aeroplan Miles on all spending above $25,000
N/A Aeroplan N/A N/A Aeroplan $500,000 4 hours
up to $1,000
6 hours
up to $1,000
Yes
$1,000
Yes
$1,000
Yes
$1,500 per person
Yes
$1,500 per person
15 Days No Up to $85,000 Yes
up to $1,000
Yes
90 Days
No Yes Yes Yes Yes * after spending $3,000 in the first three months of Cardmembership No American Express AeroplanPlus Platinum Card



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American Express AeroplanPlus Gold Card



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Coalition $120 $0 for the first two cards then $50 for each additiona; 19.99%
Purchase

22.99%
Cash Advance
2.5% N/A 15,000 Miles * 0 1 Aeroplan Mile per dollar spent up to $10,000

1.25 Aeroplan Miles on all spending above $10,000
N/A Aeroplan N/A N/A Aeroplan $500,000 4 hours
up to $500
6 hours
up to $500
Yes
$500
Yes
$500
No No No No Up to $85,000 Yes
up to $500
Yes
90 Days
No Yes No No No * after spending $1,500 in the first 3 months of Cardmembership No American Express AeroplanPlus Gold Card



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American Express® Air Miles Platinum®* Credit Card



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Coalition $65 $0 19.99%
Purchase

22.99%
Cash Advance
2.5% N/A 2,000 Miles 0 1 Mile per $10 at AIR MILES Sponsors and eligible gas, grocery and drugstores

1 Mile per $15 everywhere else
N/A AIR MILES N/A N/A AIR MILES $100,000 No No No No No No No No Up to $85,000 No Yes
90 Days
No Yes No No No No Yes
read it here
American Express® Air Miles Platinum®* Credit Card



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American Express Cobalt Card



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Hybrid $10 per month $0 19.99% 2.5% N/A 30,000 Points* 0 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. Yes
read it here
American Express Cobalt Card



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American Express Gold Rewards Card

American Express Gold Rewards

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Hybrid $150 $0 for first card

$50* each additional card
30% Non Revolving 2.5% N/A 25,000 Membership Rewards Points 0 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

American Express Gold Rewards

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BMO AIR MILES Mastercard



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Coalition $0 $0 19.99%
Purchase

22.99%
Cash Advance
2.5% N/A 500 Miles 0

2 Mile per $20 at AIR MILES Sponsors


1 Mile per $20 everywhere else

N/A AIR MILES N/A N/A AIR MILES No No No No No No No No No No No Yes
90 Days
No Yes No No No N/A Yes
read it here
BMO AIR MILES Mastercard



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BMO AIR MILES World Elite Mastercard



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Coalition $0 in first year then $120* $50 19.99%
Purchase

22.99%
Cash Advance
2.5% $80,000 Personal or $150,000 Household 3,000 Miles * 0 1 Mile per $10 15% discount on AIR MILES flights in North America

AIR MILES N/A N/A AIR MILES $500,000 6 hours
$500 per person
12 hours
$200 per person
Yes
up to $750
Yes
up to $750
Yes
$2,500 per person up to $5,000 maxmimum per account
Yes
$2,000 per person
15 days No Up to $65,000 MSRP No Yes
90 Days
No Yes Yes* Yes

LoungeKey Membership + 2 Free Lounge Visit Passes
No * Limited Time Offer Yes
read it here
BMO AIR MILES World Elite Mastercard



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BMO Rewards Mastercard



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Travel Points $0 $0 19.99%
Purchase

22.99%
Cash Advance
2.5%   20,000 Points * 0 1 Point per dollar spent 1.99% introductory interest rate on Balance Transfers for 9 months* 1% fee applies to balance amounts transferred*

2x BMO Rewards points at participating National Car Rental®#† and Alamo Rent A Car®#† location
BMO Rewards 140 points = $1 N/A BMO Rewards No No No No No No No No No No No Yes
90 Days
No Yes No No No * Limited Time Offer No BMO Rewards Mastercard



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BMO World Elite Mastercard



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Travel Points $0 in first year then $150* $50 19.99%
Purchase

22.99%
Cash Advance
2.5% $80,000 Personal or $150,000 Household 35,000 Points 0 3 Points per dollar on travel, dining, entertainment ^

2 Points per dollar all other spending
N/A BMO Rewards 140 points = $1 N/A BMO Rewards $500,000 6 hours
$500 per person
12 hours
$200 per person
Yes
up to $750
Yes
up to $750
Yes
$2,500 per person up to $5,000 maxmimum per account
Yes
$2,000 per person
21 Days No Up to $65,000 MSRP No Yes
90 Days
No Yes No

Yes

LoungeKey Membership + 4 Free Lounge Visit Passes

No * Limited Time Offer

^ Up to $50,000 Annually
Yes
read it here
BMO World Elite Mastercard



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CIBC Aerogold Visa Infinite



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Coalition $120 $50 19.99%
Purchase

22.99%
Cash Advance
2.5% $60,000 Personal or $100,000 Household 15,000 Miles 0 1.5 miles for every $1 spent on eligible gas, grocery, drugstores and aircanada.com purchases

1 mile for every $1 spent on all other purchases
N/A Aeroplan N/A N/A Aeroplan $500,000 4 hours
$500 per person
6 hours
$500 per person
Yes
up to $500
Yes
up to $500
Yes
$1,000 per person up to $5,000 maxmimum per account
Yes
$2,000 per person
15 Days 3 Days Up to $65,000 MSRP No Yes
90 Days
No Yes No Yes

Annual Maple Leaf Lounge One Time Guest Pass when travelling on an Aeroplan flight reward operated by Air Canada
Yes but only on Aeroplan Reward tickets N/A No CIBC Aerogold Visa Infinite



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CIBC Aventura Visa Infinite Card



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Travel Points $120 $50 19.99%
Purchase

22.99%
Cash Advance
2.5% $60,000 Personal or $100,000 Household 20,000 Points 0 2 points per dollar on travel purchased through the CIBC Rewards Centre

1.5 points per dollar at gas stations, grocery stores and drugstores

1 point per dollar on all other purchases
$120 travel credit Limited Time Offer

NEXUS application credit once every 4 years
CIBC Rewards up to 4.0% on flights per the Aventura Flight Rewards Chart (e.g. 10,000 to 20,000 pts = short-haul flight worth up to $400)
or
100 Points = $1 for other travel
N/A CIBC Rewards $500,000 4 hours
$500 per person
6 hours
$500 per person
Yes
up to $500
Yes
up to $500
Yes
$1,500 per person up to $5,000 maxmimum per account
Yes
$2,000 per person
15 Days 3 Days Up to $65,000 MSRP Yes

Up to $2,500
Yes
90 Days
No Yes No Yes

Priority Pass Membership + 4 Free Lounge Visit Passes
No N/A No CIBC Aventura Visa Infinite Card



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Desjardins Odyssey World Elite Mastercard



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Travel Points $130 $0 19.9% 2.5% $80,000 Personal or $150,000 Household 0 0 1.5% of spending up to $20,000

2% of spending over $20,000
20% bonus BONUS DOLLARS in annual spending up to a maximum of 200 BONUS DOLLARS* BONUS DOLLARS Rewards 1 Bonus Dollar = $1 N/A Any travel provider $1,000,000 No 6 hours
up to $500
Yes
up to $1,000
Yes
up to $1,000
Yes
$2,500 per person
Yes
Unlimited coverage
60 days up to age 59

31 days for ages 60-64
15 days for ages 65-75 Up to $85,000 No Yes
90 Days
No Yes No Yes

8 free passes to the Desjardins Odyssey Lounge at Montréal-Trudeau Airport
No * Only for residents of Ontario and Quebec - Terms and Conditions apply No Desjardins Odyssey World Elite Mastercard



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HSBC World Elite Mastercard



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Hybrid $0 in the first year then
$149*
$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 60,000 Points* 0 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 * Limited time offer when you apply by June 30, 2019 Yes
read it here
HSBC World Elite Mastercard



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Marriott Bonvoy™ American Express® Card



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Hotel $120 $0 19.99%
Purchase

22.99%
Cash Advance
2.5% N/A 60,000 Points Annual Free Night Award at eligible hotels and resorts worldwide

15 Elite Night Credits each calendar year
5 points for every dollar in eligible Card purchases at participating Marriott Bonvoy® properties

2 points for every $1 in all other Card purchases
Automatic Silver Elite status membership

Enjoy an automatic upgrade to Gold Elite status when you reach $30,000 in purchases on the Card each year.
Marriott Bonvoy N/A

Transfer points to 40 airlines

3,000 Points = 1,000 miles

+ 5,000 bonus miles when you convert 60,000 points

Marriott Bonvoy $500,000 4 hours
$500 per person
6 hours
$500 per person
Yes
up to $500
No No No No No Up to $85,000 Yes
up to $500
Yes
90 Days
No Yes No No No N/A No Marriott Bonvoy™ American Express® Card



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mbna Alaska Airlines World Elite® Mastercard®


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Airline $99 $0 19.99%
Purchase

24.99%
Cash Advance
2.5% $80,000 personal or $150,000 household 30,000 Miles * 0

3 Miles per dollar spent on Alaska Airlines purchases

1 Mile per dollar on all other spending

First Checked Bag free on Alaska Airlines flights for up to 6 guests Alaska Airlines Mileage Plan N/A N/A Alaska Airlines Mileage Plan $1,000,000 No No No No No Yes
up to $2,000
No No Yes No Yes
90 Days
Yes Yes Annual companion fare from from $121 (USD) ($99 plus taxes and fees from $22) No No * when you spend $1,000 within 90 days Yes

read it here
mbna Alaska Airlines World Elite® Mastercard®


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MBNA Best Western Rewards Mastercard



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Hotel $0 $0 19.99%
Purchase

24.99%
Cash Advance
2.5% N/A 20,000 Points 0 5 points per dollar spent on Best Western Purchases

1 Point per dollar spent everywhere else
Gold Status”upon first use of your credit card and Diamond Status when you spend $10,000 in eligible purchases within one year◊◊ Best Western Rewards N/A Transfer points to 17 airlines
Best Western Rewards $1,000,000 No No No No No Yes
up to $2,000
No No Yes No Yes
90 Days
No Yes No No No N/A No MBNA Best Western Rewards Mastercard



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MBNA Rewards World Elite Mastercard



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Travel Points $120 $0 19.99%
Purchase

24.99%
Cash Advance
2.5% $80,000 personal or $150,000 household 5,000 Points 0 2 points for every $1 spent N/A MBNA Rewards 1,000 Points = $10 N/A Any Travel Provider $1,000,000 No No No No No Yes
up to $2,000
No No Yes No Yes
90 Days
Yes Yes No No No 5,000 bonus points after your first eligible purchase within the first 90 days of account opening
and 5,000 bonus points once enrolled for e-statements within the first 90 days of account opening
No MBNA Rewards World Elite Mastercard



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National Bank World Elite Mastercard



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Travel Points $0 in first year then $150* $0 in first year $50 19.99%
Purchase

22.99%
Cash Advance
2.5% $80,000 personal or $150,000 household 0 0 1.5 Points per dollar for spend between 0 & $40,000

2 Points per dollar for spend between $40,001 - $80,000

1.5 Points per dollar for spend between $80,001 & up
Refund of up to $250 per year on seat selection ($50), airport parking ($100) and baggage fees ($100). À la carte Rewards 11,000 Points = $100

50,000 Points = $500

10,000 Points = $100 over and above the 50,000 point level
N/A Any Travel Provider

or

À la carte Rewards
No 4 hours
$500
6 hours
$500
Yes
up to $1,000
Yes
up to $1,000
Yes
$2,500 per person
Yes
$5,000 per person
60 days up to 54 years old

31 days for 55-64 years old
15 days to 74 years old Up to 48 Days

Up to $65,000 MSRP
No Yes
180 Days
No Yes
Triple
No Yes only to the National Bank Lounge at Montréal-Trudeau Airport No * Until Mar 31, 2019 No National Bank World Elite Mastercard



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Platinum Card from American Express



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Hybrid $699 $175 annually for Platinum Cards;

$50 annually for Gold cards
30% Non Revolving 2.5% N/A

50,000 Points

0 1.25 points per dollar

$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



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RBC British Airways Visa Infinite Card



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Airline $165 $75 20.50%

22.99%
Cash Advance
2.5% $60,000 Personal or $100,000 Household 50,000 Avios* 0 2 Avios per dollar spent on British Airwys flights

1 Avios per dollar spent on all other spending
10% off British Airways flights when you book and pay with your card

250 bonus Avios when you rent a car with Avis and pay with your card
British Airways Executive Club N/A N/A British Airways Executive Club $500,000 4 hours
$250 per person
4 hours
$500 per person
$500 per person No No No 31 Days 7 Days Up to $65,000 MSRP Yes
up to $2,500
Yes
90 Days
No Yes Earn a companion voucher when you spend $30,000 CAD annually No No * Step 1: Receive 15,000 Avios as welcome bonus upon approval
Step 2: 25,000 bonus Avios when you spend $5,000 CAD in the first two months
Step 3: Another 10,000 bonus Avios when you renew your card after your first year
No RBC British Airways Visa Infinite Card



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RBC Visa Infinite Avion



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Hybrid $120 $50 19.99%
Purchase

22.99%
Cash Advance
2.5% $60,000 Personal or $100,000 Household 15,000 Points
0

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 N/A Yes

read it here
RBC Visa Infinite Avion



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Scotiabank Gold American Express Card



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Travel Points $99 $29 19.99%
Purchase

22.99%
Cash Advance
2.5% $12,000 15,000 Points 0 4 points per dollar spent at eligible gas stations, grocery stores, on dining and entertainment*

1 point per dollar spent everywhere else
N/A Scotia Rewards 1,000 points = $10 Convert to SCENE Points Any travel provider or Scotia Rewards $500,000 4 hours
$500 per person
4 hours
$1,000 in total
Yes
up to $1,000
No Yes
$2,500 per person
Yes
$2,500 per person
25 Days 10 Days Up to $65,000 MSRP Yes
up to $1,000 in Canada and the U.S.
Yes
90 days
Yes
60 days
up to $100 per item
$500 max per year
Yes No No No * On the first $50,000 in those categories Yes

Read it here
Scotiabank Gold American Express Card



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Scotiabank More Rewards Visa Card



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Coalition $0 $0 19.99%
Purchase

22.99%
Cash Advance
2.5% $12,000 15,000 Points 0

6 Points per dollar spent at participating More Rewards locations

4 Points per dollar spent everywhere else

N/A More Rewards 1,000 points = ~$4.20 N/A More Rewards No No No No No No No No No No No Yes
90 days
No Yes No No No No Yes

Read it here
Scotiabank More Rewards Visa Card



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Scotiabank Passport Visa Infinite card



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Travel Points $139 $0 for first card $50 for each additional 19.99%
Purchase

22.99%
Cash Advance
0% $60,000 Personal or $100,000 Household

30,000 Points *

0
2 points per eligible dollar spent on grocery, dining, entertainment and daily transit (including buses, subways, taxis, Ubers and more)**

1 point per dollar spent outside of the categories listed above
10,000 points if you spend $40,000 on the card annually Scotia Rewards 1,000 points = $10 Convert to SCENE Points Any travel provider or Scotia Rewards $500,000 4 hours
$500 per person
4 hours
$1,000 in total
Yes
up to $1,000
No Yes
$2,500 per person
Yes
$2,500 per person
25 Days 10 days Up to $65,000 MSRP Yes
up to $1,000 in Canada and the U.S.
Yes
90 days
Yes
60 days
up to $100 per item
$500 max per year
Yes No Yes

Free membership in Priority Pass + 6 free lounge visits
No * Limited time offer after you spend $1,000 in the first 3 months

** On the first $50,000 in those categories
Yes
read it here
Scotiabank Passport Visa Infinite card



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TD Aeroplan Visa Infinite Card



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Coalition $0 in first year then $1201 $502 19.99%
Purchase

22.99%
Cash Advance
2.5% $60,000 Personal income or $100,000 Combined Household Income 30,000 Miles1 0 1.5 miles4 per dollar on eligible grocery, gas and drugstore Purchases and aircanada.com Purchases

1 mile5 for every dollar on all other Purchases made with your Card
One complimentary first checked bag (with Aeroplan Flight Rewards)3 Aeroplan N/A N/A Aeroplan $500,00010 4 hours
$500 per person10
6 hours
$1,000 per person9
Yes
up to $1,0009
No Yes
$1,500 per person8
Yes
$5,000 per person8
21 days7 4 days7 Up to $65,000 MSRP11 No Yes
90 days
No Yes No Yes

One annual One-Time Guest Access Benefit3 to an Air Canada Maple Leaf Lounge™ (with an Aeroplan Flight Reward)3
Yes on Aeroplan flight rewards N/A Yes
Read it here
TD Aeroplan Visa Infinite Card



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TD First Class Travel
Visa Infinite Card




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Travel Points $0 in first year then $1201 $502 19.99%
Purchase

22.99%
Cash Advance
2.5% $60,000 Personal income or $100,000 Combined Household Income 80,000 Points1 0 3 Points per dollar7

9 Points dollar online at ExpediaForTD8

6 Points dollar via the phone at ExpediaForTD8
N/A TD Rewards 200 Points = $1 with Expedia for TD3

250 Points = $1 for the book anywhere option
N/A Any Travel Provider or TD Rewards $500,000 No 6 hours
$1,000 per person
Yes
up to $1,000
No Yes
$1,500 per person
Yes
$5,000 per person
21 days 4 days Up to $65,000 MSRP No Yes
90 days
No Yes No No No See terms below in the footnotes No TD First Class Travel
Visa Infinite Card




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WestJet RBC World Elite Mastercard



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Airline $119 $59 19.99%
Purchase

21.99%
Cash Advance
2.5% $80,000 personal or $150,000 household 250 Dollars 0 2% on WestJet purchases

1.5% on all other purchases
First Checked Bag free on WestJet flights for cardholder and up to 8 guests WestJet Rewards N/A N/A WestJet Rewards $500,000 4 hours
$500 per person
($250 per day)
No No No No Yes
$5,000 per person
15 days 3 days Up to $65,000 MSRP Yes
Up to $2,500
Yes
90 Days
No Yes Annual $99 / $299 / $399 Companion Flight

Yes

LoungeKey Membership

No N/A Yes
Read it here
WestJet RBC World Elite Mastercard



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