Here you can compare all of the Airline Frequent Flyer co-brand credit cards that are available in the Canadian market. The charts include costs, earn rates, point values, insurance, benefits and more.
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Airline Credit Cards Comparison
| Card | Air France KLM Flying Blue World Elite Mastercard | American Express® Aeroplan®* Card | American Express® Aeroplan®* Reserve Card | Cathay World Elite Mastercard powered by Noe | CIBC Aeroplan® Visa* Card | CIBC Aeroplan® Visa Infinite* Card | CIBC Aeroplan® Visa Infinite Privilege* Card | RBC British Airways Visa Infinite Card | TD® Aeroplan® Visa Infinite* Card | TD® Aeroplan® Visa Infinite Privilege* Card | TD® Aeroplan® Visa Platinum* Credit Card | WestJet RBC Mastercard | WestJet RBC World Elite Mastercard |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Card Type | Airline | Airline | Airline | Airline | Airline | Airline | Airline | Airline | Airline | Airline | Airline | Airline | Airline |
| Annual Fee | $132 | $120 | $599 | $180 | $0 | $139 | $599 | $165 | $139 | $599 | $89 | $39 | $119 |
| Limited Time Annual Fee Offer | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | $0 in the first year | N/A | $0 in the first year | N/A | N/A |
| Additional Card Fee | $50 | $50 with benefits $0 to earn points only | $199 with benefits $0 to earn points only | $10 | $0 | $50 | $149 | $75 | $75 | $199 | $35 | $19 | $59 |
| Interest Rate | 19.99% Purchase 21.99% Cash Advance | 30% non-revolving | 21.99% Purchase 21.99% Cash Advance | 19.99% Purchase 22.99% Cash Advance | 19.99% Purchase 22.99% Cash Advance | 19.99% Purchase 22.99% Cash Advance | 19.99% Purchase 22.99% Cash Advance | 20.5% Purchase 22.99% Cash Advance | 20.99% Purchase 22.99% Cash Advance | 19.99% Purchase 22.99% Cash Advance | 19.99% Purchase 22.99% Cash Advance | 19.99% Purchase 21.99% Cash Advance | 19.99% Purchase 21.99% Cash Advance |
| Foreign Transaction Fee | 2.5% | 2.5% | 2.5% | 2.5% | 2.5% | 2.5% | 2.5% | 2.5% | 2.5% | 2.5% | 2.5% | 2.5% | 2.5% |
| Minimum Income Requirements | $80,000 (individual) or $150,000 (household) |
N/A | N/A | $80,000 (individual) or $150,000 (household) |
$15,000 household annual income | $60,000 (individual) or $100,000 (household) |
$150,000 (individual) or $200,000 (household) |
$60,000 (individual) or $100,000 (household) |
$60,000 personal or $100,000 household annual income | $150,000 (individual) or $200,000 (household) |
N/A | N/A | $80,000 personal or $150,000 household annual income |
| Current Welcome Bonus | 30 XP | 40,000 points | up to 85,000 points | 30,000 Asia Miles | 10,000 points | 50,000 points | 110,000 points | 60,000 Avios | 50,000 points (This offer is not available for residents of Quebec. For Quebec residents, please click here.) |
80,000 points (This offer is not available for residents of Quebec. For Quebec residents, please click here.) |
20,000 points | $100 | $700 |
| Welcome Bonus Value (When redeemed for travel) |
N/A | $600 or more | $1,275 or more | $450 or more | $150 or more | $650 or more | $1,650 or more | $900 or more | $750 or more | $1,200 or more | $300 or more | $100 | $700 |
| Renewal or Additional Bonus | 30 XP Annually | 1,000 Status Qualifying Miles and 1 Status Qualifying Segment for every $10,000 spend on the card | 1,000 Status Qualifying Miles and 1 Status Qualifying Segment for every $5,000 spend on the card | Up to 10% off Cathay Pacific flights | N/A | 1,000 Status Qualifying Miles and 1 Status Qualifying Segment for every $10,000 spend on the card | 1,000 Status Qualifying Miles and 1 Status Qualifying Segment for every $5,000 spend on the card | N/A | 1,000 Status Qualifying Miles and 1 Status Qualifying Segment for every $10,000 spend on the card | 1,000 Status Qualifying Miles and 1 Status Qualifying Segment for every $5,000 spend on the card | N/A | N/A | Receive a Status Lift of $500 in tier qualifying spend for every $15,000 in everyday purchases on your WestJet RBC World Elite Mastercard.1 You can earn three lifts each qualifying year (January 1 – December 31) for a total of $1,500 in tier qualifying spend. |
| Travel Purchases Earn Rate | 1 mile dollar spent + 5 extra miles per Euro spent on Air France KLM flights | 2 points per dollar spent with Air Canada otherwise 1 point per dollar spent |
3 points per dollar spent with Air Canada otherwise 1.25 points per dollar spent |
2 Asia MIles per dollar spent with Cathay Pacific otherwise 1 Asia Mile per dollar spent or up to 5 Miles if it is a Neo partner (2 Miles if it is a foreign currency) | 1 point per dollar spent with Air Canada otherwise 1 point per $1.50 spent |
1.5 points per dollar spent with Air Canada otherwise 1 point per dollar spent |
2 points per dollar spent with Air Canada otherwise 1.5 points per dollar spent |
2 Avios per dollar spent with British Airways otherwise 1 Avios per dollar spent |
1.5 points per dollar spent with Air Canada otherwise 1 point per dollar spent |
2 points per dollar spent with Air Canada otherwise 1.5 points per dollar spent |
1 point per dollar spent with Air Canada otherwise 1 point per $1.50 spent |
1.5% back per dollar spent with WestJet 1% back per dollar spent (all other travel) |
2% back per dollar spent with WestJet 1.5% back per dollar spent (all other travel) |
| Grocery Purchases Earn Rate | 1 mile per dollar spent | 1 point per dollar spent | 1.25 points per dollar spent | 1 Asia Mile per dollar spent or up to 5 Miles if it is a Neo partner (2 Miles if it is a foreign currency) | 1 point per dollar spent | 1.5 points per dollar spent | 1.5 points per dollar spent | 1 Avios per dollar spent | 1.5 points per dollar spent | 1.5 points per dollar spent | 1 point per dollar spent | 1% back per dollar spent | 1.5% back per dollar spent |
| Dining / Food Delivery Purchases Earn Rate | 2 miles per dollar spent | 1.5 points per dollar spent | 2 points per dollar spent | 1 Asia Mile per dollar spent or up to 5 Miles if it is a Neo partner (2 Miles if it is a foreign currency) | 1 point per $1.50 spent | 1 point per dollar spent | 1.5 points per dollar spent | 1 Avios per dollar spent | 1 point per dollar spent | 1.5 points per dollar spent | 1 point per $1.50 spent | 1% back per dollar spent spent | 1.5% back per dollar spent |
| Entertainment Purchases Earn Rate | 1 mile per dollar spent | 1 point per dollar spent | 1.25 points per dollar spent | 1 Asia Mile per dollar spent or up to 5 Miles if it is a Neo partner (2 Miles if it is a foreign currency) | 1 point per $1.50 spent | 1 point per dollar spent | 1.25 points per dollar spent | 1 Avios per dollar spent | 1 point per dollar spent | 1.25 points per dollar spent | 1 point per $1.50 spent | 1% back per dollar spent | 1.5% back per dollar spent |
| Gas & Transit** Purchases Earn Rate (** May include ride share, taxi, etc.) |
1 mile per dollar spent | 1 point per dollar spent | 1.25 points per dollar spent | 1 Asia Miles per dollar spent (1.25 Miles if it is a foreign currency) | 1 point per dollar spent (Gas only) | 1.5 points per dollar spent (Gas only) | 1.5 points per dollar spent (Gas only) | 1 Avios per dollar spent | 1.5 points per dollar spent (Gas only) | 1.5 points per dollar spent (Gas only) | 1 point per dollar spent (Gas only) | 1% back per dollar spent | 1.5% back per dollar spent |
| Drug Store Purchases Earn Rate | 1 mile per dollar spent | 1 point per dollar spent | 1.25 points per dollar spent | 1 Asia Mile per dollar spent or up to 5 Miles if it is a Neo partner (2 Miles if it is a foreign currency) | 1 point per $1.50 spent | 1 point per dollar spent | 1.25 points per dollar spent | 1 Avios per dollar spent | 1 point per dollar spent | 1.25 points per dollar spent | 1 point per $1.50 spent | 1% back per dollar spent | 1.5% back per dollar spent |
| Streaming Services | 1 mile per dollar spent | 1 point per dollar spent | 1.25 points per dollar spent | 1 Asia Mile per dollar spent or up to 5 Miles if it is a Neo partner (2 Miles if it is a foreign currency) | 1 point per $1.50 spent | 1 point per dollar spent | 1.25 points per dollar spent | 1 Avios per dollar spent | 1 point per dollar spent | 1.25 points per dollar spent | 1 point per $1.50 spent | 1% back per dollar spent | 1.5% back per dollar spent |
| Other Digital Media, Membership & Household Utility Purchases Earn Rate | 1 mile per dollar spent | 1 point per dollar spent | 1.25 points per dollar spent | 1 Asia Mile per dollar spent or up to 5 Miles if it is a Neo partner (2 Miles if it is a foreign currency) | 1 point per $1.50 spent | 1 point per dollar spent | 1.25 points per dollar spent | 1 Avios per dollar spent | 1 point per dollar spent | 1.25 points per dollar spent | 1 point per $1.50 spent | 1% back per dollar spent | 1.5% back per dollar spent |
| Other Recurring Bills that are not part of the two rows above | 1 mile per dollar spent | 1 point per dollar spent | 1.25 points per dollar spent | 1 Asia Mile per dollar spent or up to 5 Miles if it is a Neo partner (2 Miles if it is a foreign currency) | 1 point per $1.50 spent | 1 point per dollar spent | 1.25 points per dollar spent | 1 Avios per dollar spent | 1 point per dollar spent | 1.25 points per dollar spent | 1 point per $1.50 spent | 1% back per dollar spent | 1.5% back per dollar spent |
| All Other Purchases Earn Rate | 1 mile per dollar spent | 1 point per dollar spent | 1.25 points per dollar spent | 1 Asia Mile per dollar spent or up to 5 Miles if it is a Neo partner (2 Miles if it is a foreign currency) | 1 point per $1.50 spent | 1 point per dollar spent | 1.25 points per dollar spent | 1 Avios per dollar spent | 1 point per dollar spent | 1.25 points per dollar spent | 1 point per $1.50 spent | 1% back per dollar spent | 1.5% back per dollar spent |
| ^ Annual cap on bonus category spending | N/A | N/A | N/A | N/A | $40,000 in gross annual spending across all categories | $80,000 in gross annual spending across all categories | $100,000 in gross annual spending across all categories | N/A | $80,000 in gross annual spending across all categories | $100,000 in annual spending across accelerated categories | $80,000 in annual spending across accelerated categories | N/A | N/A |
| Value of points per $1 spent when redeemed for travel | 1.5 cents to 10+ cents | 1.5 to 3 cents |
1.875 to 4.5 cents |
1.5 cents to 3 cents or more | 1 to 1.5 cents or more | 1.5 cents to 2.25 cents or more | 1.875 cents to 3 cents or more | 1.5 cents to 3 cents or more | 1.5 cents to 2.25 cents or more | 1.875 cents to 3 cents or more | 1 to 1.5 cents or more | 1% to 1.5% | 1.5% to 2% |
| Miles/Points deposited to | Air France KLM Flying Blue | Air Canada Aeroplan | Air Canada Aeroplan | Cathay | Air Canada Aeroplan | Air Canada Aeroplan | Air Canada Aeroplan | British Airways Executive Club | Air Canada Aeroplan | Air Canada Aeroplan | Air Canada Aeroplan | WestJet Rewards | WestJet Rewards |
| Travel Redemption Rate | Varies | Varies | Varies | Varies | Varies | Varies | Varies | Varies | Varies | Varies | Varies | 1% to 1.5% | 1.5% to 2% |
| Exchange Options | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Transfer to other Avios airlines (Aer Lingus, Iberia, Qatar Airways) | N/A | N/A | N/A | N/A | N/A |
| Cash Back Redemption Rate | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Value of points per $1 spent for cash back redemptions | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Annual Credit | N/A | N/A | NEXUS Credit:$100 every 48 months | N/A | N/A | N/A | NEXUS Credit:Up to $50 every 48 months | 10% off British Airways flights when you book and pay with your card | NEXUS Credit: Up to $100 every 48 months | NEXUS Credit: Up to $125 every 48 months | N/A | N/A | N/A |
| Annual Companion Voucher | No | No | One Annual Worldwide Companion Pass when you spend $25,000 in net purchases prior to your Card anniversary date | No | N/A | N/A | One Annual Worldwide Companion Pass when you spend $25,000 in net purchases prior to your Card anniversary date | Earn a companion award voucher when you spend $30,000 CAD annually | No | One Annual Worldwide Companion Pass when you spend $25,000 in net purchases prior to your Card anniversary date | No | Yes Travel to Canada and the Continental US for $199 CAD |
Yes Travel to Canada and the Continental US for $119 CAD Travel to the rest of the WestJet network for $399 CAD |
| Airport Lounge Access Membership | Yes | No | Yes | No | N/A | N/A | Yes | No | No | Yes | No | No | Yes |
| Airport Lounge Access Annual Passes | 0 | 0 | Unlimted for Maple Leaf Lounges in North America | 0 | 0 | 0 | Unlimted for Maple Leaf Lounges in North America plus 6 passes for other lounges |
0 | 0 | Unlimted for Maple Leaf Lounges in North America plus 6 passes for other lounges |
0 | 0 | 0 |
| Free Global Wi-Fi | Yes | No | No | No | No | No | No | No | No | No | No | No | Yes |
| Common Carrier Travel Accident Insurance | $150,000 | $500,000 | $500,000 | N/A | $100,000 | $500,000 | $500,000 | $500,000 | $500,000 | $500,000 | $500,000 | $500,000 | $500,000 |
| Flight Delay Insurance | 4 hours $500 per person $1,000 in total |
4 hours $500 in total |
4 hours up to $1,000 total |
4 hours $250 per day / $500 in total |
None | 4 hours up to $500 total |
4 hours $500 per person Max $1,000 per occurence |
4 hours $250 per person / $500 in total |
4 hours up to $500 per person |
4 hours up to $1,000 in total |
4 hours up to $500 per person |
4 hours up to $500 per person |
4 hours up to $500 per person |
| Delayed Baggage Insurance | 6 hours $500 per person $1,000 in total |
6 hours $500 in total |
6 hours $1,000 in total |
6 hours up to $1,000 in total |
None | 6 hours $500 per person Max $1,000 per occurence |
6 hours $500 per person Max $1,000 per occurence |
4 hours $500 per person / $2,500 in total |
6 hours up to $1,000 per person |
4 hours up to $1,000 per person |
6 hours up to $1,000 per person |
4 hours up to $500 per person |
4 hours up to $500 per person |
| Lost / Stolen Baggage Insurance | $1,000 per person $2,000 in total | $500 in total | $1,000 in total | Up to $1,000 in total | None | Up to $500 per person Max $1,000 per occurence |
Up to $1,000 per person Max $2,500 per occurence |
$500 per person / $2,500 in total | Up to $1,000 per person | Up to $2,500 per person |
Up to $1,000 per person | None | None |
| Damaged Baggage Insurance | $1,000 per person $2,000 in total | $500 in total | $1,000 in total | Up to $1,000 in total | None | Up to $500 per person Max $1,000 per occurence |
up to $1,000 per person Max $2,500 per occurence |
None | None | None | None | None | None |
| Trip Cancellation Insurance | $2,000 per person up to $5,000 maxmimum per account | None | Yes $1,500 per person up to $3,000 maximum per account |
$1,000 per person (max $5,000) | None | $1,500 per person up to $5,000 maximum per account | $2,500 per person up to $10,000 maximum per account | None | Yes $1,500 per person up to $5,000 maximum per account | $2,500 per person up to $5,000 maximum per account | None | None | None |
| Trip Interruption Insurance | $5,000 per person up to $25,000 maxmimum per account | None | Yes $1,500 per person up to $6,000 maximum per account |
$1,000 per person (max $5,000) | None | $2,000 per person | $5,000 per person up to $25,000 maximum per account | None | Yes $2,500 per person up to $25,000 maximum per account | $5,000 per person up to $25,000 maximum per account | None | None | Yes $5,000 per person up to $25,000 maximum per account |
| Travel Medical Insurance up to 64 years old | 15 Days | None | 15 Days | 14 days up to age 60 | None | 15 Days | 31 Days | 31 Days | 21 Days | 31 Days | None | None | 15 days |
| Travel Medical Insurance 65+ | 3 Days | None | None | None | None | 3 Days | 10 days | 7 Days | 4 Days | 4 days | None | None | 3 days |
| Auto Rental/Loss Damage Insurance | 48 Days Up to $85,000 MSRP |
48 Days Up to $85,000 MSRP |
48 Days Up to $85,000 MSRP |
48 Days Up to $65,000 MSRP |
48 Days Up to $65,000 MSRP |
48 Days Up to $65,000 MSRP |
48 Days Up to $85,000 MSRP |
48 Days Up to $65,000 MSRP |
48 Days Up to $65,000 MSRP |
48 Days Up to $85,000 MSRP |
48 Days Up to $65,000 MSRP | 48 days Up to $65,000 MSRP | 48 days Up to $65,000 MSRP |
| Hotel / Motel Burglary Insurance | Up to $2,500 | Up to $500 | Up to $1,000 | Up to $1,000 | None | Up to $2,500 per occurence | Up to $2,500 per occurence | Up to $2,500 | Up to $2,500 per occurrence | Up to $2,500 per occurence | Up to $2,500 per occurrence | Up to $2,500 per occurrence | Up to $2,500 per occurrence |
| Purchase Protection | 90 Days Up to $25,000 annually |
90 Days up to $1,000 per occurrence |
90 Days up to $1,000 per occurrence |
90 Days Up to $10,000 total | 90 Days Up to $60,000 lifetime |
90 Days Up to $60,000 lifetime |
180 Days Up to $60,000 lifetime |
90 Days Up to $50,000 annually | 90 Days Up to $60,000 lifetime |
120 Days Up to $60,000 lifetime |
90 Days Up to $60,000 lifetime |
90 Days Max $50,000 in a lifetime |
90 Days Max $50,000 in a lifetime |
| Price Protection | None | None | None | None | None | None | None | None | None | None | None | None | None |
| Extended Warranty Plan | Up to 1 extra year | Up to 1 extra year | Up to 1 extra year | Up to 1 extra year | Up to 1 extra year | Up to 1 extra year | Up to 2 extra years | Up to 1 extra year | Up to 1 extra year | Up to 2 extra years | Up to 1 extra year | Up to 1 extra year | Up to 1 extra year |
| Mobile Device Insurance | Up to $1,500 | None | None | None | None | Up to $1,000 | Up to $1,000 | None | Up to $1,000 | Up to $1,500 | Up to $1,000 | None | None |
| Link to Apply | |||||||||||||
This chart was first posted on September 17, 2004 and is updated on a regular basis.
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American Express
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
BMO
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CIBC
This is a digital-exclusive offer.† To be eligible for this offer, you must apply for a new eligible card using the “Learn More” link available on this webpage.†
†Conditions Apply
The information for the CIBC Aeroplan cards has been collected independently by Rewards Canada. The card details on this page have not been reviewed or provided by the card issuer.
HSBC
*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)
MBNA
‡ ††, ‡, ✪, ***, ††††, Terms and Conditions apply.
This offer is not available for residents of Quebec. For residents of Quebec, please click here.
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.
The Toronto-Dominion Bank is the issuer of this credit card. MBNA is a division of The Toronto-Dominion Bank. ®MBNA and other-trademarks are the property of The Toronto-Dominion Bank..
RBC
Corresponding legal references and product terms are available on the RBC website, which will be available and agreed upon in the customer onboarding process.
TD
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