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Credit Card Comparison - All Travel Rewards Cards

Last Updated on October 29, 2024


Here you can compare all of the Travel Rewards credit cards that are available in the Canadian market. The charts include costs, earn rates, point values, insurance, benefits and more.

Recommendation: Due to the size and detail of these charts they are best viewed on a desktop or tablet.

Mobile Users

If you are using a mobile phone, flip to landscape to better use the search and view the details of the cards. Also clicking the icon will present the results in a list view instead of a chart

Instructions!

Selecting which Credit Cards to Compare

Click on the icon to get a list of the cards which you can select for your comparison

If you only want to compare a couple of cards I recommend unchecking "toggle all" which will clear out all the cards (except for the very first one alphabetically) and then you can select the cards you want to compare (and uncheck the very first if you don't want to have that in your comparison)

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While Rewards Canada strives to provide correct and the most up to date information in these charts, changes are inevitable that we may not have been made aware of or have not been able to update by the time you use these charts. We always advise our readers to check the issuer card page for the latest card details. If you do find an error, omission or out of date information in our charts please contact us with the details so that we can update our data as soon as possible.


Top 5 Credit Cards

 All Travel Rewards Credit Cards Comparison


Card Air France KLM Flying Blue World Elite Mastercard American Express® Aeroplan®* Card American Express® Aeroplan®* Reserve Card American Express Cobalt™ Card American Express Gold Rewards Card American Express Green Card The Platinum Card from American Express ATB Gold My Rewards Travel Mastercard® ATB World Elite Mastercard® BMO AIR MILES®† MasterCard®* BMO AIR MILES®† World Elite®* MasterCard®* BMO Ascend™ World Elite®* Mastercard®* BMO eclipse Visa Infinite* Card BMO eclipse Visa Infinite Privilege* Card BMO eclipse rise Visa* Card Cathay World Elite Mastercard powered by Noe CIBC Aeroplan® Visa* Card CIBC Aeroplan® Visa Infinite* Card CIBC Aeroplan® Visa Infinite Privilege* Card CIBC Aventura Gold Visa Card CIBC Aventura Visa Card CIBC Aventura Visa Infinite Card CIBC Aventura Visa Infinite Privilege Card Desjardins Bonus Visa* Desjardins Odyssey® Gold Visa* Desjardins Odyssey® Visa Infinite Privilege* Desjardins Odyssey® World Elite® Mastercard® Envision Financial World Mastercard Marriott Bonvoy American Express Card MBNA Rewards Platinum Plus® Mastercard® MBNA Rewards World Elite Mastercard Meridian Visa Infinite* Travel Rewards Card Meridian Visa* Platinum Travel Rewards Card National Bank of Canada Platinum Mastercard National Bank of Canada World Elite Mastercard National Bank of Canada World Mastercard RBC Avion Visa Infinite Card RBC Avion Visa Infinite Privilege Card RBC Avion Visa Platinum Card RBC British Airways Visa Infinite Card RBC ION+ Visa Card RBC ION Visa Card Scotiabank American Express Card Scotiabank Gold American Express® Card Scotiabank Passport Visa Infinite Card Scotiabank Platinum American Express® Card Scotiabank Scene+ Visa Card TD® Aeroplan® Visa Infinite* Card TD® Aeroplan® Visa Infinite Privilege* Card TD® Aeroplan® Visa Platinum* Credit Card TD First Class Travel® Visa Infinite* Card TD Platinum Travel Visa* Card TD Rewards Visa* Card Vancity enviro️ Visa* Classic card Vancity enviro️ Visa* Gold card Vancity enviro️ Visa Infinite* card Vancity enviro Visa Infinite Privilege* card WestJet RBC Mastercard WestJet RBC World Elite Mastercard
Card Type Airline Airline Airline Hybrid Hybrid Hybrid Hybrid Travel Points Travel Points Travel Points Travel Points Travel Points Travel Points Travel Points Travel Points Airline Airline Airline Airline Travel Points Travel Points Travel Points Travel Points Travel Points Travel Points Travel Points Travel Points Travel Points Hotel Travel Points Travel Points Travel Points Travel Points Travel Points Travel Points Travel Points Hybrid Hybrid Hybrid Airline Hybrid Hybrid Travel Points Travel Points Travel Points Travel Points Travel Points Airline Airline Airline Travel Points Travel Points Travel Points Travel Points Travel Points Travel Points Travel Points Airline Airline
Annual Fee $132 $120 $599 $12.99 per month ($155.88/year) $250 $0 $799 $0 $120 $0 $120 $150 $120 $499 $0 $180 $0 $139 $599 $139 $0 $139 $499 $0 $110 $295 members / $395 non-members $130 $120 $120 $0 $120 $99 $49 $89 $150 $115 $120 $399 $120 $165 $4 per month ($48 annually) $0 $0 $120 $150 $399 $0 $139 $599 $89 $139 $89 $0 $0 $99 $120 $245 for Vancity members, $395 for non-members $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 $0 in the first year $0 in the first year 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 N/A N/A N/A $0 in the first year N/A N/A N/A $0 in the first year $0 in the first year N/A $0 in the first year N/A N/A N/A N/A N/A N/A N/A N/A $0 in the first year N/A N/A N/A $0 in the first year N/A $0 in the first year $0 in the first year $0 in the first year N/A N/A N/A $0 in the first year N/A N/A N/A
Additional Card Fee $50 $50 with benefits $0 to earn points only $199 with benefits $0 to earn points only $0 $0 for first card, $50 any additional $0 $250
($0 for first two Gold, then $50)
$0 $35 $0 $50 $50 $50 $99 $0 $10 $0 $50 $149 $50 $0 $50 $99 $0 $30 $95 $40 $50 $0 $0 $50 for first card, $0 any additional $30 $0 $35 $50 $35 $50 $99 $50 $75 $0 $0 $0 $29 $0 for the first card $50 for additional cards $99 $0 $75 $199 $35 $50 $35 $0 $0 $0 $0 for the first card, $50 per additional card $0 for the first card, $50 per additional card $19 $59
Interest Rate 19.99% Purchase 21.50% Cash Advance 30% non-revolving 21.99% Purchase 21.99% Cash Advance 21.99% Purchase † 21.99% Cash Advance † 21.99% Purchase 21.99% Cash Advance 21.99% Purchase † 21.99% Cash Advance † 30% non-revolving 20.99% Purchase 22.99% Cash Advance 20.99% Purchase 22.99% Cash Advance 20.99% Purchase 22.99% Cash Advance 20.99% Purchase † 23.99% Cash Advance † 20.99% Purchase † 23.99% Cash Advance † 20.99% Purchase 23.99% Cash Advance 20.99% Purchase 23.99% Cash Advance 20.99% Purchase 23.99% 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 20.99% Purchase 22.99% Cash Advance 20.99% Purchase 22.99% Cash Advance 20.99% Purchase 22.99% Cash Advance 20.99% Purchase 22.99% Cash Advance 19.9% on Purchase and Cash Advance 19.9% on Purchase and Cash Advance 10.9% on Purchase and Cash Advance 19.9% on Purchase and Cash Advance 20.99% Purchase 21.99% Purchase 21.99% Cash Advance 19.99% Purchase 22.99% balance transfers / 24.99% Cash Advance 19.99% Purchase 22.99% balance transfers / 24.99% Cash Advance 19.5% Purchase 21.99% Cash Advance 19.5% Purchase 21.99% Cash Advance 20.99% Purchase 22.49% Cash Advance 20.99% Purchase 22.49% Cash Advance 20.99% Purchase 22.49% 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 19.99% Purchase 22.99% Cash Advance 19.99% Purchase 22.99% Cash Advance 19.99% Purchase 22.99% Cash Advance 20.99% Purchase 22.99% Cash Advance 20.99% Purchase 22.99% Cash Advance 9.99% Purchase 9.99% Cash Advance 19.99% 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 20.99% Purchase † 22.99% Cash Advance † 20.99% Purchase † 22.99% Cash Advance † 19.99% Purchase † 22.99% Cash Advance † 19.5% 19.5% 19.5% 19.5% 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% 2.9% 2.9% 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% 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% 2.5% 2.5% 2.5% 2.5% 2.5% 2.5% 2.5% 2.5% 0% 0% 0% 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 N/A N/A N/A N/A N/A $80,000 (individual)
or $150,000 (household)
N/A $80,000 (individual)
or $150,000 (household)
$80,000 (individual)
or $150,000 (household)
$60,000 (individual)
or $100,000 (household)
$150,000 (individual)
or $200,000 (household)
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)
$15,000 household annual income $15,000 household annual income $60,000 personal or $100,000 household annual income $150,000 (individual)
or $200,000 (household)
N/A N/A $150,000 (individual)
or $200,000 (household)
$80,000 personal or $150,000 household annual income $60,000 (individual)
or $100,000 (household)
N/A N/A $80,000 (individual)
or $150,000 (household)
$60,000 (individual)
or $100,000 (household)
N/A N/A $80,000 (individual)
or $150,000 (household)
$60,000 (individual)
or $100,000 (household)
$60,000 (individual)
or $100,000 (household)
$200,000 (individual or household) N/A $60,000 (individual)
or $100,000 (household)
N/A N/A $12,000 $12,000 $60,000 personal or $100,000 household annual income $12,000 $12,000 $60,000 personal or $100,000 household annual income $150,000 (individual)
or $200,000 (household)
N/A $60,000 personal or $100,000 household annual income N/A N/A N/A N/A $60,000 personal or $100,000 household annual income $150,000 (individual)
or $200,000 (household)
N/A $80,000 personal or $150,000 household annual income
Current Welcome Bonus 100 XP 40,000 points up to 85,000 points 15,000 points 60,000 points 10,000 points Up to 140,000 points N/A 40,000 points 800 Miles 2,000 Miles 60,000 points 60,000 points 90,000 points 20,000 points 30,000 Asia Miles 10,000 points 50,000 points 110,000 points 40,000 points 12,000 points 40,000 points 80,000 points N/A N/A N/A N/A 15,000 points 50,000 points 10,000 points + 4 points†† for every $1 spent on eligible restaurant, grocery, digital media, membership and household utility purchases during the first 90 days 30,000 points N/A N/A N/A N/A N/A 55,000 points 70,000 points 55,000 points 60,000 Avios 12,000 points 6,000 points 5,000 points 45,000 points 25,000 points 60,000 points 5,000 points 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 135,000 points 50,000 points 15,152 points N/A 2,500 points 18,000 points N/A $100 $700
Welcome Bonus Value
(When redeemed for travel)
N/A $600 or more $1,275 or more $150 $600 to $1,200 or more $100 to $200 or more $1,400 to $2,800 or more N/A $200 ~$76 or more ~$190 or more $400 $400 $600 $133 $450 or more $150 or more $650 or more $1,650 or more $400 or more $120 or more $400 or more $800 or more N/A N/A N/A N/A $150 $500 or more $100 $300 N/A N/A N/A N/A N/A $550 or more $700 or more $550 or more $900 or more ~$70 ~$35 $50 $450 $250 $600 $50 $750 or more $1,200 or more $300 or more $540 - $675 $200 $60 N/A $25 $180 N/A $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 5,000 bonus points for approved referrals to the card (up to 75,000 points annually) 7,500 bonus points for approved referrals to the card (up to 112,500 points annually) N/A 10,000 bonus points for approved referrals to the card (up to 225,000 points annually) N/A N/A N/A 25% discount on one worldwide AIR MILES flight redemption during the calendar year. N/A 10% extra points when you add an authorized user to your account 25% extra points when you add an authorized user to your account 2,500 bonus points for redeeming at least 12,000 points annually towards your statement balance with Pay with points 2,500 bonus points for paying your full credit card balance on time for 12 consecutive months 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 N/A N/A N/A N/A N/A N/A N/A N/A Annual Free Night Award (up to 35,000 points) to use at eligible hotels and resorts worldwide 10% extra points awarded on your birthday for your spending over the previous 12 months (Capped at 10,000 points) 10% extra points awarded on your birthday for your spending over the previous 12 months (Capped at 15,000 points) 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 10,000 points if you spend $40,000 annually N/A 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 10% extra points awarded on your birthday for your spending over the previous 12 months (Capped at 10,000 points) N/A N/A N/A 3,500 points on your card anniversary every year N/A 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 points per dollar spent 2 points per dollar spent 1 point per dollar spent 2 points per dollar spent 10 points per dollar spent 8 points per dollar spent 1 Mile per $25 spent 1 Mile per $12 spent 5 points per dollar spent^ 1 point per dollar spent 5 points per dollar spent^ 1 point per $2 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 points per dollar spent via CIBC Rewards Centre otherwise 1 point per dollar 1 point per dollar spent via CIBC Rewards Centre otherwise 0.5 points per dollar 2 points per dollar spent via CIBC Rewards Centre otherwise 1 point per dollar 3 points per dollar spent via CIBC Rewards Centre otherwise 1.25 points per dollar 0.5% back in BONUS DOLLARS 1% back in BONUS DOLLARS 3% back in BONUS DOLLARS 1.5% back in BONUS DOLLARS 1 point per dollar spent 5 points per dollar spent at Marriott properties worldwide other 2 points per dollar 1 point per dollar spent 1 point per dollar spent 3 points for every $2 spent
or 6 points for every $2 spent if in a foreign currency
1 point for every $1 spent
or 2 points for every $1 spent if in a foreign currency
1,5 points per dolllar spent via À la carte travel otherwise 1 point per $1.50 spent 2 points per dolllar spent via À la carte travel otherwise 1 point per dollar spent 1.25 to 2 points per dolllar spent ^ 1.25 points per dollar spent 1.25 points per dollar spent 1 point per dollar spent 2 Avios per dollar spent with British Airways
otherwise 1 Avios per dollar spent
1 point per dollar spent 1 point per dollar spent 1 point per dollar spent 1 point per dollar spent 1 point per dollar spent 2 points per dollar spent 1 point 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
8 points per dollar spent (ExpediaForTD only)
2 points per dollar spent (all other travel)
6 points per dollar spent (ExpediaForTD only)
1.5 points per dollar spent (all other travel)
4 points per dollar spent (ExpediaForTD only)
1 point per dollar spent (all other travel)
1 point per dollar spent via Vancity Rewards otherwise 0.5 points per dollar spent 2 points per dollar spent via Vancity Rewards otherwise 1 point per dollar spent 2 points per dollar spent via Vancity Rewards otherwise 1.25 points per dollar spent 2 points per dollar spent via Vancity Rewards otherwise 1.25 points per dollar 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 5 points per dollar spent ^
2 points per dollar spent 1 point per dollar spent 1 point per dollar spent 10 points per dollar spent 6 points per dollar spent 2 Miles per $25 spent 2 Miles per $12 spent 1 point per dollar spent 5 points per dollar spent^ 5 points per dollar spent^ 5 points per $2 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 1.5 points per dollar spent^ 1 point per dollar spent 1.5 points per dollar spent^ 2 points per dollar spent^ 0.5% back in BONUS DOLLARS 1% back in BONUS DOLLARS 3% back in BONUS DOLLARS 3% back in BONUS DOLLARS 3 points per dollar spent 2 points per dollar spent 2 points per dollar spent^ 5 points per dollar spent ^
3 points for every $2 spent
or 6 points for every $2 spent if in a foreign currency
1 point for every $1 spent
or 2 points for every $1 spent if in a foreign currency
2 points per dollar ^ 5 points per dollar up to the monthly cap ^ then 2 points per dollar 1.25 to 2 points per dolllar spent ^ 1 point per dollar spent
1.25 points per dollar spent 1 point per dollar spent 1 Avios per dollar spent 3 points per dollar spent 1.5 points per dollar spent 3 points per dollar at Sobeys, Safeway, etc.
2 points per dollar spent at all other grocery stores ^
6 points per dollar at Sobeys, Safeway, etc.
5 points per dollar spent at all other grocery stores (in Canada only) ^
3 points per dollar at Sobeys, Safeway, etc.
2 points per dollar spent at all other grocery stores
2 points per dollar spent 2 points per dollar at Sobeys, Safeway, etc.
1 points per dollar spent at all other grocery stores ^
1.5 points per dollar spent 1.5 points per dollar spent 1 point per dollar spent 6 points per dollar spent 4.5 points per dollar spent 3 points per dollar spent 0.5 points per dollar spent 1 point per dollar spent 2.5 points per dollar spent 3 points 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 5 points per dollar spent ^
1 point per dollar spent 1 point per dollar spent 2 points per dollar spent 10 points per dollar spent 2 points per dollar spent 1 Mile per $25 spent 1 Mile per $12 spent 3 points per dollar spent^ 5 points per dollar spent^ 5 points per dollar spent^ 5 points per $2 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 point per dollar spent 0.5 points per dollar spent 1 point per dollar spent 2 points per dollar spent^ 2% back in BONUS DOLLARS 2% back in BONUS DOLLARS 4% back in BONUS DOLLARS 2% back in BONUS DOLLARS 2 points per dollar spent 2 points per dollar spent 2 points per dollar spent^ 5 points per dollar spent ^
3 points for every $2 spent
or 6 points for every $2 spent if in a foreign currency
1 point for every $1 spent
or 2 points for every $1 spent if in a foreign currency
2 points per dollar ^ 5 points per dollar up to the monthly cap ^ then 2 points per dollar 1.25 to 2 points per dolllar spent ^ 1 point per dollar spent
1.25 points per dollar spent 1 point per dollar spent 1 Avios per dollar spent 3 points per dollar spent 1 point per dollar spent 2 points per dollar spent 5 points per dollar spent (in Canada only)^ 2 points per dollar spent 2 points per dollar spent 1 point per dollar spent 1 point per dollar spent 1.5 points per dollar spent 1 point per $1.50 spent 6 points per dollar spent 4.5 points per dollar spent 3 points per dollar spent 0.5 points per dollar spent 1 point per dollar spent 1.25 points per dollar spent (10 points per dollar at select local businesses) 1.5 points per dollar spent (10 points per dollar at select local businesses) 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 point per dollar spent 1 point per dollar spent 1 point per dollar spent 1 point per dollar spent 10 points per dollar spent 1.5 points per dollar spent 1 Mile per $25 spent 1 Mile per $12 spent 3 points per dollar spent^ 1 point per dollar spent 1 point per dollar spent 1 point per $2 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 point per dollar spent 0.5 points per dollar spent 1 point per dollar spent 2 points per dollar spent^ 2% back in BONUS DOLLARS 2% back in BONUS DOLLARS 4% back in BONUS DOLLARS 2% back in BONUS DOLLARS 2 points per dollar spent 2 points per dollar spent 1 point per dollar spent 1 point per dollar spent 3 points for every $2 spent
or 6 points for every $2 spent if in a foreign currency
1 point for every $1 spent
or 2 points for every $1 spent if in a foreign currency
1 point per $1.50 spent 1 point per dollar spent 1.25 to 2 points per dolllar spent ^ 1 point per dollar spent 1.25 points per dollar spent 1 point per dollar spent 1 Avios per dollar spent 1 point per dollar spent 1 point per dollar spent 2 points per dollar spent 5 points per dollar spent (in Canada only)^ 2 points per dollar spent 2 points per dollar spent 2 points per dollar spent with Cineplex otherwise 1 point per dollar spent 1 point per dollar spent 1.25 points per dollar spent 1 point per $1.50 spent 2 points per dollar spent 1.5 points per dollar spent 1 point per dollar 0.5 points per dollar spent 1 point per dollar spent 1.25 points per dollar spent 1.5 points per dollar 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 2 points per dollar spent 2 points per dollar spent (Gas only) 1 point per dollar spent 1 point per dollar spent 10 points per dollar spent 6 points per dollar spent (Gas only) otherwise 2 points per dollar 1 Mile per $25 spent 1 Mile per $12 spent 1 point per dollar spent 5 points per dollar spent^ 5 points per dollar spent^ (Gas only) 1 point per $2 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) 1.5 points per dollar spent^
(Gas only)
1 point per dollar spent
(Gas only)
1.5 points per dollar spent^
(Gas only)
2 points per dollar spent^ 2% back in BONUS DOLLARS (Alternative Transportaion only) 2% back in BONUS DOLLARS (Alternative Transportaion only) 4% back in BONUS DOLLARS (Alternative Transportaion only) 2% back in BONUS DOLLARS (Alternative Transportaion only) 1 point per dollar spent 2 points per dollar spent 1 point per dollar spent 1 point per dollar spent 3 points for every $2 spent
or 6 points for every $2 spent if in a foreign currency
1 point for every $1 spent
or 2 points for every $1 spent if in a foreign currency
1.5 points per dolllar spent (Gas and EV Charging only) 2 points per dolllar spent (EV Charging only) otherwise 1 point per dollar 1.25 to 2 points per dolllar spent ^ 1 point per dollar spent 1.25 points per dollar spent 1 point per dollar spent 1 Avios per dollar spent 3 points per dollar spent 1.5 points per dollar spent 2 points per dollar spent 3 points per dollar spent (in Canada only) ^ 2 points per dollar spent (Transit Only) 2 points per dollar spent 1 point 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) 2 points per dollar spent 1.5 points per dollar spent 1 point per dollar 0.5 points per dollar spent 1 point per dollar spent 5 points per dollar spent on public transit & ferries otherwise 1.25 points per dollar spent 5 points per dollar spent on public transit & ferries otherwise 1.5 points per dollar spent 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 point per dollar spent 2 points per dollar spent 1 point per dollar spent 1 point per dollar spent 10 points per dollar spent 2 points per dollar spent 1 Mile per $25 spent 1 Mile per $12 spent 1 point per dollar spent 1 point per dollar spent 5 points per dollar spent^ 1 point per $2 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 1.5 points per dollar spent^ 1 point per dollar spent 1.5 points per dollar spent^ 1.25 points per dollar spent 0.5% back in BONUS DOLLARS 1% back in BONUS DOLLARS 1.75% back in BONUS DOLLARS 1.5% back in BONUS DOLLARS 1 point per dollar spent 2 points per dollar spent 1 point per dollar spent 1 point per dollar spent 3 points for every $2 spent
or 6 points for every $2 spent if in a foreign currency
1 point for every $1 spent
or 2 points for every $1 spent if in a foreign currency
1 point per $1.50 spent 1 point per dollar spent 1.25 to 2 points per dolllar spent ^ 1 point per dollar spent 1.25 points per dollar spent 1 point per dollar spent 1 Avios per dollar spent 1 point per dollar spent 1 point per dollar spent 1 point per dollar spent 1 point per dollar spent 1 point per dollar spent 2 points per dollar spent 1 point per dollar spent 1 point per dollar spent 1.25 points per dollar spent 1 point per $1.50 spent 2 points per dollar spent 1.5 points per dollar spent 1 point per dollar 0.5 points per dollar spent 1 point per dollar spent 1.25 points per dollar spent (10 points per dollar at select local businesses) 1.5 points per dollar spent (10 points per dollar at select local businesses) 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 3 points per dollar spent 1 point per dollar spent 1 point per dollar spent 1 point per dollar spent 10 points per dollar spent 6 points per dollar spent 1 Mile per $25 spent 1 Mile per $12 spent 3 points per dollar spent^ (if considered a recurring bill) otherwise 1 point per dollar 1 point per dollar spent 1 point per dollar spent 1 point per $2 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 point per dollar spent 0.5 points per dollar spent 1 point per dollar spent 1.25 points per dollar spent 2% back in BONUS DOLLARS (on pre-authorized purchases) otherwise 0.5% 2% back in BONUS DOLLARS (on pre-authorized purchases) otherwise 1% 1.75% back in BONUS DOLLARS 1.5% back in BONUS DOLLARS 1 point per dollar spent 2 points per dollar spent 2 points per dollar spent^ 5 points per dollar spent ^ 3 points for every $2 spent
or 6 points for every $2 spent if in a foreign currency
1 point for every $1 spent
or 2 points for every $1 spent if in a foreign currency
1.5 points per dolllar spent on recurring bills otherwise 1 point per $1.50 spent 2 points per dolllar spent on recurring bills otherwise 1 point per dollar spent 1.25 to 2 points per dolllar spent ^ 1 point per dollar spent 1.25 points per dollar spent 1 point per dollar spent 1 Avios per dollar spent 3 points per dollar spent 1.5 points per dollar spent 2 points per dollar spent 3 points per dollar spent (in Canada only) 1 point per dollar spent 2 points per dollar spent 1 point per dollar spent 1 point per dollar spent 1.25 points per dollar spent 1 point per $1.50 spent 4 points per dollar spent (if considered a recurring bill) otherwise 2 points per dollar 3 points per dollar spent (if considered a recurring bill) otherwise 1.5 points per dollar 2 points per dollar spent (if considered a recurring bill) otherwise 1 point per dollar 0.5 points per dollar spent 1 point per dollar spent 1.25 points per dollar spent 1.5 points per dollar 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 point per dollar spent 1 point per dollar spent 1 point per dollar spent 1 point per dollar spent 10 points per dollar spent 2 points per dollar spent 1 Mile per $25 spent 1 Mile per $12 spent 3 points per dollar spent^ (if considered a recurring bill) otherwise 1 point per dollar 1 point per dollar spent 1 point per dollar spent 5 points per $2 spent^ on recurring bills otherwise 1 point per $2 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 point per dollar spent 0.5 points per dollar spent 1 point per dollar spent 1.25 points per dollar spent 2% back in BONUS DOLLARS (on pre-authorized purchases) otherwise 0.5% 2% back in BONUS DOLLARS (on pre-authorized purchases) otherwise 1% 1.75% back in BONUS DOLLARS 1.5% back in BONUS DOLLARS 1 point per dollar spent 2 points per dollar spent 2 points per dollar spent^ 5 points per dollar spent ^ 3 points for every $2 spent
or 6 points for every $2 spent if in a foreign currency
1 point for every $1 spent
or 2 points for every $1 spent if in a foreign currency
1.5 points per dolllar spent on recurring bills otherwise 1 point per $1.50 spent 2 points per dolllar spent on recurring bills otherwise 1 point per dollar spent 1.25 to 2 points per dolllar spent ^ 1 point per dollar spent 1.25 points per dollar spent 1 point per dollar spent 1 Avios per dollar spent 3 points per dollar spent (Digital memberships only) 1.5 points per dollar spent (Digital memberships only) 1 point per dollar spent 3 points per dollar spent (in Canada only) 1 point per dollar spent 2 points per dollar spent 1 point per dollar spent 1 point per dollar spent 1.25 points per dollar spent 1 point per $1.50 spent 4 points per dollar spent (if considered a recurring bill) otherwise 2 points per dollar 3 points per dollar spent (if considered a recurring bill) otherwise 1.5 points per dollar 2 points per dollar spent (if considered a recurring bill) otherwise 1 point per dollar 0.5 points per dollar spent 1 point per dollar spent 1.25 points per dollar spent (10 points per dollar at select local businesses) 1.5 points per dollar spent (10 points per dollar at select local businesses) 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 point per dollar spent 1 point per dollar spent 1 point per dollar spent 1 point per dollar spent 10 points per dollar spent 2 points per dollar spent 1 Mile per $25 spent 1 Mile per $12 spent 3 points per dollar spent^ 1 point per dollar spent 1 point per dollar spent 5 points per $2 spent^ on recurring bills otherwise 1 point per $2 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 point per dollar spent 0.5 points per dollar spent 1 point per dollar spent 1.25 points per dollar spent 2% back in BONUS DOLLARS (on pre-authorized purchases) otherwise 0.5% 2% back in BONUS DOLLARS (on pre-authorized purchases) otherwise 1% 1.75% back in BONUS DOLLARS 1.5% back in BONUS DOLLARS 1 point per dollar spent 2 points per dollar spent 1 point per dollar spent 1 point per dollar spent 3 points for every $2 spent
or 6 points for every $2 spent if in a foreign currency
1 point for every $1 spent
or 2 points for every $1 spent if in a foreign currency
1.5 points per dolllar spent 2 points per dolllar spent 1.25 to 2 points per dolllar spent ^ 1 point per dollar spent 1.25 points per dollar spent 1 point per dollar spent 1 Avios per dollar spent 1 point per dollar spent 1 point per dollar spent 1 point per dollar spent 1 point per dollar spent 1 point per dollar spent 2 points per dollar spent 1 point per dollar spent 1 point per dollar spent 1.25 points per dollar spent 1 point per $1.50 spent 4 points per dollar spent 3 points per dollar spent 2 points per dollar spent 0.5 points per dollar spent 1 point per dollar spent 1.25 points per dollar spent (10 points per dollar at select local businesses) 1.5 points per dollar spent (10 points per dollar at select local businesses) 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 point per dollar spent 1 point per dollar spent 1 point per dollar spent 1 point per dollar spent 10 points per dollar spent 2 points per dollar spent 3 Miles per $25 spent at AIR MILES partners otherwise
1 Mile per $25 spent
3 Miles per $12 spent at AIR MILES partners otherwise
1 Mile per $12 spent
1 point per dollar spent 1 point per dollar spent 1 point per dollar spent 1 point per $2 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 point per dollar spent 0.5 points per dollar spent 1 point per dollar spent 1.25 points per dollar spent 0.5% back in BONUS DOLLARS 1% back in BONUS DOLLARS 1.75% back in BONUS DOLLARS 1.5% back in BONUS DOLLARS 1 point per dollar spent 2 points per dollar spent 1 point per dollar spent 1 point per dollar spent 3 points for every $2 spent
or 6 points for every $2 spent if in a foreign currency
1 point for every $1 spent
or 2 points for every $1 spent if in a foreign currency
1 point per $1.50 spent 1 point per dollar spent 1.25 to 2 points per dolllar spent ^ 1 point per dollar spent 1.25 points per dollar spent 1 point per dollar spent 1 Avios per dollar spent 1 point per dollar spent 1 point per dollar spent 1 point per dollar spent 1 point per dollar spent 1 point per dollar spent 2 points per dollar spent 1 point per dollar spent 1 point per dollar spent 1.25 points per dollar spent 1 point per $1.50 spent 2 points per dollar spent 1.5 points per dollar spent 1 point per dollar 0.5 points per dollar spent 1 point per dollar spent 1.25 points per dollar spent (10 points per dollar at select local businesses) 1.5 points per dollar spent (10 points per dollar at select local businesses) 1% back per dollar spent 1.5% back per dollar spent
^ Annual cap on bonus category spending N/A N/A N/A $2,500 monthly for eats and drinks N/A N/A N/A N/A N/A N/A N/A $15,000 on travel
$10,000 each for dining, entertainment & recurring bills
$50,000 for accelerated categories $100,000 for accelerated categories $5,000 for each accelerated categories 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 $80,000 in gross annual spending across all categories $6,000 in gross annual spending across all categories $80,000 in gross annual spending across all categories $200,000 in gross annual spending across all categories N/A N/A N/A N/A $20,000 on groceries $15,000 on dining & entertainment N/A $10,000 per category ($50,000 in total) $50,000 per category ($250,000 in total) N/A N/A $1,000 in gross monthly spending across all categories $2,500 in gross monthly spending across all categories $0 to $20 000 = 1.25 points per dollar in purchases
$20 001 to $30 000 = 2 points per dollar in purchases
$30 001 and more = 1.25 points per dollar in purchases
N/A N/A N/A N/A N/A N/A $50,000 in spending in accelerated categories $50,000 in spending in accelerated categories $50,000 in spending in accelerated categories N/A 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 $25,000 in annual spending across accelerated categories $15,000 in annual spending across accelerated categories $5,000 in annual spending across accelerated categories N/A N/A N/A N/A 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 to 5 cents
(1.5 to 10 cents when using Fixed Points for Travel)
1 to 2 cents
(1.5 to 4 cents when using Fixed Points for Travel)
1 cent
(1.5 to 2 cents when using Fixed Points for Travel)
1 to 2 cents
(1.5 to 4 cents when using Fixed Points for Travel)
1 cent 0.5 cents ~0.38 to 1.14 cents ~0.79 to 2.4 cents 0.67 to 3.34 cents 0.667 to 3.33 cents 0.667 to 3.33 cents 0.33 to 1.67 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 to 2 cents
(Aventura chart value: up to 4 cents)
0.5 to 1 cent
(Aventura chart value: up to 2 cents)
1 to 2 cents
(Aventura chart value: up to 4 cents)
1.25 to 3 cents
(Aventura chart value: up to 6 cents)
0.5 cents to 2 cents 1 cent to 2 cents 1.75 cents to 4 cents 1.5 cents to 3 cents 1 cent to 3 cents 2 to 5 cents 1 to 4 cents
(1.1 to 4.4 cents with the Birthday Bonus)
1 to 5 cents
(1.1 to 5.5 cents with the Birthday Bonus)
1.5 to 3 cents 1 to 2 cents 0.67 cents to 2 cents 1 to 5 cents 1.25 to 2 cents 1 to 1.25 cents 1.25 cents 1 cent 1.5 cents to 3 cents or more 0.58 cents to 1.74 cents 0.58 cents to 0.87 cents 1 to 3 cents 1 to 6 cents 1 to 3 cents 2 cents 1 to 2 cents 1.5 cents to 2.25 cents or more 1.875 cents to 3 cents or more 1 to 1.5 cents or more Expedia for TD travel bookings: 1 to 4 cents
(1.1 to 4.4 cents with birthday bonus)
Any other travel bookings: 0.8 to 3.2 cents
(0.88 to 3.52 cents with birthday bonus)
Expedia for TD travel bookings: 0.75 to 3 cents
Any other travel bookings: 0.6 to 2.4 cents
Expedia for TD travel bookings: 0.5 to 2 cents
Any other travel bookings: 0.4 to 1.6 cents
0.5% to 1% 1% to 2% 1.25% to 5% (10% for the select local businesses) 1.5% to 5% (10% for the select local businesses) 1% to 1.5% 1.5% to 2%
Miles/Points deposited to Air France KLM Flying Blue Air Canada Aeroplan Air Canada Aeroplan Membership Rewards Membership Rewards Membership Rewards Membership Rewards ATB My Rewards ATB My Rewards AIR MILES AIR MILES BMO Rewards BMO Rewards BMO Rewards BMO Rewards Cathay Air Canada Aeroplan Air Canada Aeroplan Air Canada Aeroplan CIBC Rewards CIBC Rewards CIBC Rewards CIBC Rewards BONUS DOLLARS Rewards BONUS DOLLARS Rewards BONUS DOLLARS Rewards BONUS DOLLARS Rewards Flex Rewards Marriott Bonvoy MBNA Rewards MBNA Rewards Meridian Rewards Meridian Rewards À la carte Rewards À la carte Rewards À la carte Rewards Avion Rewards Avion Rewards Avion Rewards British Airways Executive Club Avion Rewards Avion Rewards Scene+ Scene+ Scene+ Scene+ Scene+ Air Canada Aeroplan Air Canada Aeroplan Air Canada Aeroplan TD Rewards TD Rewards TD Rewards Vancity Rewards Vancity Rewards Vancity Rewards Vancity Rewards WestJet Rewards WestJet Rewards
Travel Redemption Rate Varies Varies Varies 1,000 points = $10
for any travel booked with any travel provider
or
a 1.5% to 10% return for travel booked via Amex's Fixed Points for Travel program
1,000 points = $10
for any travel booked with any travel provider
or
a 1.5% to 2% return for travel booked via Amex's Fixed Points for Travel program
1,000 points = $10
for any travel booked with any travel provider
or
a 1.5% to 2% return for travel booked via Amex's Fixed Points for Travel program
1,000 points = $10
for any travel booked with any travel provider
or
a 1.5% to 6% return for travel booked via Amex's Fixed Points for Travel program
1,000 points = $5 1,000 points = $5 Varies Varies 150 points = $1 150 points = $1 150 points = $1 150 points = $1 Varies Varies Varies Varies 1,000 points = $10
for any travel booked with CIBC Rewards
or
up to a 4% return for travel booked via the Aventura Flight Rewards Chart
1,000 points = $10
for any travel booked with CIBC Rewards
or
up to a 2% return for travel booked via the Aventura Flight Rewards Chart
1,000 points = $10
for any travel booked with CIBC Rewards
or
up to a 4% return for travel booked via the Aventura Flight Rewards Chart
1,000 points = $10
for any travel booked with CIBC Rewards
or
up to a 6% return for travel booked via the Aventura Flight Rewards Chart
1 BONUS DOLLAR = $1 1 BONUS DOLLAR = $1 1 BONUS DOLLAR = $1 1 BONUS DOLLAR = $1 1,000 points = $10 Varies 100 points = $1 100 points = $1 100 points = $1 100 points = $1 100 points = $1 100 points = $1 100 points = $1 1,000 points = $10
for any travel booked with Avion Rewards Travel
or
up to a 2.91% return for travel booked via the Avion Air Travel Redemption Schedule
1,000 points = $10
for any travel booked with Avion Rewards Travel
or
up to a 2.91% return for travel booked via the Avion Air Travel Redemption Schedule
1,000 points = $10
for any travel booked with Avion Rewards Travel
or
up to a 2.33% return for travel booked via the Avion Air Travel Redemption Schedule
Varies 172 points = $1
for any travel booked with Avion Rewards Travel
172 points = $1
for any travel booked with Avion Rewards Travel
1,000 points = $10
(minimum redemption is 100 points)
1,000 points = $10
(minimum redemption is 100 points)
1,000 points = $10
(minimum redemption is 100 points)
1,000 points = $10
(minimum redemption is 100 points)
1,000 points = $10
(minimum redemption is 100 points)
Varies Varies Varies 1,000 points = $4 (Any travel redemption)
1,000 points = $5 (ExpediaForTD redemption)
1,000 points = $4 (Any travel redemption)
1,000 points = $5 (ExpediaForTD redemption)
1,000 points = $4 (Any travel redemption)
1,000 points = $5 (ExpediaForTD redemption)
100 points = $1 100 points = $1 100 points = $1 100 points = $1 1% to 1.5% 1.5% to 2%
Exchange Options N/A N/A N/A Convert points to:
6 airline programs and 2 hotel programs
Convert points to:
6 airline programs and 2 hotel programs
Convert points to:
6 airline programs and 2 hotel programs
Convert points to:
6 airline programs and 2 hotel programs
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 N/A N/A N/A N/A N/A N/A N/A N/A Convert points to:
40+ airline programs
N/A N/A N/A N/A N/A N/A N/A Convert points to:
4 airline programs and Hudson's Bay Rewards
Convert points to:
4 airline programs and Hudson's Bay Rewards
Convert points to:
4 airline programs and Hudson's Bay Rewards
Transfer to other Avios airlines (Aer Lingus, Iberia, Qatar Airways) Transfer to WestJet Rewards Transfer to WestJet Rewards 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 N/A N/A N/A N/A
Cash Back Redemption Rate N/A N/A N/A 1,000 points = $10 statement credit 1,000 points = $10 statement credit 1,000 points = $10 statement credit 1,000 points = $10 statement credit 10,000 points = $10 statement credit 1,000 points = $5 statement credit 95 Miles = $10 if you choose to earn Cash Miles 95 Miles = $10 if you choose to earn Cash Miles 200 points = $1 statement credit 200 points = $1 statement credit 200 points = $1 statement credit 200 points = $1 statement credit N/A N/A N/A N/A 4,000 points = $25 statement credit 4,000 points = $25 statement credit 4,000 points = $25 statement credit 4,000 points = $25 statement credit N/A N/A 1 BONUS DOLLAR = $1 N/A Unknown N/A 200 points = $1 statement credit 120 points = $1 statement credit 100 points = $1 100 points = $1 6,250 points = $25
12,500 points = $50
25,000 points = $100
125,000 points = $500
250,000 points = $1,000
6,250 points = $25
12,500 points = $50
25,000 points = $100
125,000 points = $500
250,000 points = $1,000
6,250 points = $25
12,500 points = $50
25,000 points = $100
125,000 points = $500
250,000 points = $1,000
17,200 points = $100 statement credit 17,200 points = $100 statement credit 17,200 points = $100 statement credit N/A 172 points = $1 172 points = $1 3,000 points = $20 statement credit
4,500 points = $30 statement credit
7,500 points = $50 statement credit
11,000 points = $75 statement credit
14,500 points = $100 statement credit
21,500 points = $150 statement credit
43,000 points = $300 statement credit
71,500 points = $500 statement credit
3,000 points = $20 statement credit
4,500 points = $30 statement credit
7,500 points = $50 statement credit
11,000 points = $75 statement credit
14,500 points = $100 statement credit
21,500 points = $150 statement credit
43,000 points = $300 statement credit
71,500 points = $500 statement credit
3,000 points = $20 statement credit
4,500 points = $30 statement credit
7,500 points = $50 statement credit
11,000 points = $75 statement credit
14,500 points = $100 statement credit
21,500 points = $150 statement credit
43,000 points = $300 statement credit
71,500 points = $500 statement credit
3,000 points = $20 statement credit
4,500 points = $30 statement credit
7,500 points = $50 statement credit
11,000 points = $75 statement credit
14,500 points = $100 statement credit
21,500 points = $150 statement credit
43,000 points = $300 statement credit
71,500 points = $500 statement credit
3,000 points = $20 statement credit
4,500 points = $30 statement credit
7,500 points = $50 statement credit
11,000 points = $75 statement credit
14,500 points = $100 statement credit
21,500 points = $150 statement credit
43,000 points = $300 statement credit
71,500 points = $500 statement credit
N/A N/A N/A 400 points = $1 statement credit 400 points = $1 statement credit 400 points = $1 statement credit 100 points = $1 100 points = $1 100 points = $1 100 points = $1 N/A N/A
Value of points per $1 spent for cash back redemptions N/A N/A N/A 1% to 5% 1% to 2% 1% 1% to 3% 1% 0.5% 0.42% to 1.26% 0.88% to 2.63% 0.5% to 2.5% 0.5% to 2.5% 0.5% to 2.5% 0.25% to 1.25% N/A N/A N/A N/A 0.69% to 1.25% 0.35% to 0.7% 0.69% to 1.25% 0.86% to 2.07% N/A N/A 1.75% to 4% N/A Unknown N/A 0.5% to 1% 0.83% to 4.15% 1.5% to 3% 1% to 2% 0.27% to 0.8% 0.4% to 2% 0.5% to 0.8% 0.58% to 0.73% 0.73% 0.58% N/A 0.58 cents to 1.74 cents 0.58 cents to 0.87 cents 0.67% to 2.1% 0.67% to 4.2% 0.67% to 4.2% 1.34% to 1.4% 0.67% to 1.4% N/A N/A N/A 0.75% to 2.25%
(0.825 to 2.48% with birthday bonus)
0.38% to 1.5% 0.25% to 1% 0.5% to 1% 1% to 2% 1.25% to 5% (10% for the select local businesses) 1.5% to 5% (10% for the select local businesses) N/A N/A
Annual Credit N/A N/A NEXUS Credit:$100 every 48 months N/A $100 Annual Travel Credit
NEXUS Credit: $50 every 48 months
N/A $200 Annual Travel Credit
$200 Annual dining credit
NEXUS Credit:$100 every 48 months
N/A N/A N/A N/A N/A $50 annual lifestyle credit $200 annual lifestyle credit N/A N/A N/A N/A NEXUS Credit:Up to $50 every 48 months N/A N/A N/A $200 annual travel credit
2 each NEXUS Credits every 4 years
N/A N/A N/A N/A N/A 15 elite nights credited each year N/A N/A N/A N/A N/A $150 towards travel fees N/A N/A N/A N/A 10% off British Airways flights when you book and pay with your card N/A N/A N/A N/A N/A N/A N/A NEXUS Credit: Up to $100 every 48 months NEXUS Credit: Up to $125 every 48 months N/A $100
(Towards select travel bookings of $500 or more with Expedia for TD)
N/A N/A N/A N/A N/A 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 No No No No No No No No No No No No N/A N/A One Annual Worldwide Companion Pass when you spend $25,000 in net purchases prior to your Card anniversary date No No No No No No No No No No No No No No No No No No No No Earn a companion award voucher when you spend $30,000 CAD annually No No No No No No No No One Annual Worldwide Companion Pass when you spend $25,000 in net purchases prior to your Card anniversary date No No No No No No No 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 Yes No Yes No Yes No Yes Yes No Yes No No N/A N/A Yes Yes No Yes Yes No No Yes Yes Yes No No Yes No No No Yes Yes No Yes No No No No No No Yes Yes No No Yes No No No No No No Yes Yes No Yes
Airport Lounge Access Annual Passes 0 0 Unlimted for Maple Leaf Lounges in North America 0 4 0 Unlimited 0 4 0 0 4 0 6 0 0 0 0 Unlimted for Maple Leaf Lounges in North America plus 6 passes for other lounges
4 0 4 6 0 0 12 (For Desjardins Odyssey Lounge at Montréal-Trudeau Airport only) 8 (For Desjardins Odyssey Lounge at Montréal-Trudeau Airport only) 0 0 0 0 0 0 0 Unlimited for National Bank Lounge at Montréal-Trudeau Airport 0 0 6 0 0 0 0 0 0 6 10 0 0 Unlimted for Maple Leaf Lounges in North America plus 6 passes for other lounges
0 0 0 0 0 0 0 6 0 0
Free Global Wi-Fi Yes No No No No No No No Yes No Yes Yes No No No No No No No No No No No No No No Yes Yes No No Yes No No No Yes Yes No No No No No No No No No No No No No No No No No No No No No No Yes
Common Carrier Travel Accident Insurance $150,000 $500,000 $500,000 $250,000 $500,000 None $500,000 $200,000 $500,000 None $500,000 $500,000 $500,000 $500,000 N/A N/A $100,000 $500,000 $500,000 $500,000 $100,000 $500,000 $500,000 None None None None None $500,000 None $1,000,000 $1,000,000 $500,000 None None None $500,000 $500,000 $500,000 $500,000 None None None $500,000 $500,000 $500,000 None $500,000 $500,000 $500,000 $500,000 $500,000 None $200,000 $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
$500 in total
4 hours
$500 in total
None 4 hours
$1,000 per person
4 hours $250 per day
$500 in total
4 hours $250 per day
$500 in total
None 4 hours
$500 in total
4 hours
$500 in total
None 4 hours
$1,000 in total
None 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
$500 in total
None 4 hours
$500 in total
4 hours
$500 per person / $1,000 in total
None None None None None 4 hours
$500 in total
None 4 hours
up to $500 per person
None None 4 hours
up to $500 per person
4 hours
up to $500 per person
4 hours
up to $500 per person
4 hours
$250 per person / $500 in total
4 hours
$500 per person / $1,000 in total
4 hours
$250 per person / $500 in total
4 hours
$250 per person / $500 in total
None None None 4 hours
$500 in total
4 hours
$500 per person
4 hours
$1,000 per person
None 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
None None None 4 hours
up to $500 per person
4 hours
up $1,000 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
$500 in total
6 hours
$500 in total
None 6 hours
$1,000 per person
4 hours $250 per day
$500 in total
4 hours $250 per day
$500 in total
None 6 hours
$500 per trip
6 hours
$500 per trip
None 4 hours
$1,000 in total
None 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
6 hours
$500 per person / $1,000 in total
None 6 hours
$500 per person / $1,000 in total
6 hours
$500 per person / $1,000 in total
6 hours
$500 per person
6 hours
$500 per person
4 hours
$1,000 per person
6 hours
$500 per person
6 hours
$500 in total
6 hours
$500 in total
None 4 hours
up to $1,000 per person
6 hours
up to $500 per person
6 hours
up to $500 per person
6 hours
up to $500 per person
6 hours
up to $500 per person
6 hours
up to $500 per person
4 hours
$500 per person / $2,500 in total
4 hours
$750 per person / $3,000 in total
4 hours
$500 per person / $2,500 in total
4 hours
$500 per person / $2,500 in total
None None None 4 hours
$1,000 in total
4 hours
$1,000 in total
4 hours
$1,000 in total
None 6 hours
up to $1,000 per person
4 hours
up to $1,000 per person
6 hours
up to $1,000 per person
6 hours
up to $1,000 per person
6 hours
up to $1,000 per person
None None 4 or 6 hours (they list both) and actual coverage is not specified 4 hours
up to $500 total
4 hours
up to $1,000 total
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 $500 in total $500 in total None up to $1,000 None up to $1,000 in total None up to $500 per person / $1,000 max per trip up to $500 per person / $1,000 max per trip None $1,000 per person / $2,500 in total None 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 / $1,000 in total None $500 per person / $1,000 in total $1,000 per person / $2,500 in total up to $500 per person (max trip length 3 days) up to $1,000 per person up to $2,500 per person up to $1,000 per person up to $1,000 total $500 in total None Up to $1,000 per person Up to $1,000 per person Up to $1,000 per person Up to $1,000 per person Up to $1,000 per person Up to $1,000 per person $500 per person / $2,500 in total Up to $2,500 in total $500 per person / $2,500 in total $500 per person / $2,500 in total None None None $1,000 in total $1,000 in total $1,000 in total None Up to $1,000 per person Up to $2,500 per person
Up to $1,000 per person Up to $1,000 per person Up to $1,000 per person None None up to $1,000 per person up to $1,000 per person up to $2,500 per person None None
Damaged Baggage Insurance $1,000 per person $2,000 in total $500 in total $1,000 in total $500 in total $500 in total None up to $1,000 None None None up to $500 per person / $1,000 max per trip up to $500 per person / $1,000 max per trip None $1,000 per person / $2,500 in total None 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 / $1,000 in total None $500 per person / $1,000 in total $1,000 per person / $2,500 in total up to $500 per person (max trip length 3 days) up to $1,000 per person up to $2,500 per person up to $1,000 per person None $500 in total None None Up to $1,000 per person Up to $1,000 per person Up to $1,000 per person Up to $1,000 per person Up to $1,000 per person None Up to $2,500 in total None None None None None None None None None None None None None None None None None None None None None
Trip Cancellation Insurance $2,000 per person up to $5,000 maxmimum per account None $1,500 per person up to $3,000 maximum per account None $1,500 per person up to $3,000 maxmimum per account None $2,500 per person up to $5,000 maxmimum per account None $1,000 per person (max $5,000) None $1,500 per person (max $5,000) $1,500 per person (max $5,000) None $2,500 per person up to $5,000 maxmimum per account None $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 None $1,500 per person (max $5,000) $2,500 per person / $10,000 in total up to $500 per person (max trip length 3 days) $2,500 per person $2,500 per person $2,500 per person up to $2,000 per person None None None Up to $2,000 per person None $1,000 per person $2,500 per person $2,500 per person $1,500 per person
(up to $5,000 per trip)
$2,500 per person $1,000 per person
(up to $5,000 per trip)
None None None None Yes $1,500 per person
(up to $10,000 per trip)
Yes $1,500 per person
(up to $10,000 per trip)
$2,500 per person
(up to $10,000 per trip)
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 Yes $1,500 per person (max $5,000) None None None None None $2,500 per person up to $25,000 maximum per trip None None
Trip Interruption Insurance $5,000 per person up to $25,000 maxmimum per account None $1,500 per person up to $6,000 maximum per account None $1,500 per person up to $6,000 maxmimum per account None $2,500 per person up to $6,000 maxmimum per account None $1,000 per person (max $5,000) None $2,000 per person (max $10,000 per trip) $2,000 per person (max $10,000 per trip) None $5,000 per person up to $25,000 maxmimum per account None $1,000 per person (max $5,000) None $2,000 per person $5,000 per person up to $25,000 maximum per account None None $2,000 per person $5,000 per person
(up to $25,000 per trip)
up to $1,000 per person (max trip length 3 days) No set maximum No set maximum No set maximum Unlimited None None None Up to $2,000 per person None $1,500 per person $5,000 per person $5,000 per person $5,000 per person
(up to $25,000 per trip)
$5,000 per person $2,500 per person None None None None $1,500 per person
(up to $10,000 per trip)
$2,500 per person
(up to $10,000 per trip)
$5,000 per person
(up to $25,000 per trip)
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 $5,000 per person (max $25,000) None None None None None $2,500 per person up to $25,000 maximum per trip 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 15 Days 15 Days None 15 Days None 22 days None 15 days - up to $5 million 21 days - up to $5 million 15 Days 22 Days None 14 days up to age 60 None 15 Days 31 Days 15 days None 15 days 31 days 3 days 60 days to age 59, 31 days 60-64 60 days to age 59, 31 days 60-64 60 days to age 59, 31 days 60-64 60 days to age 54, 31 days ages 55-64 None None 21 Days 48 days to age 59, 23 days ages 60-64 None 10 days 60 days to age 54, 31 days ages 55-64 60 days to age 54, 31 days ages 55-64 15 Days 31 Days None 31 Days None None None 25 Days 25 Days 31 Days None 21 Days 31 Days None 21 Days None None None None None 22 days None 15 days
Travel Medical Insurance 65+ 3 Days None None None None None None None None None None None None 3 Days None None None 3 Days 10 days 3 Days None 3 Days 10 days 3 days to age 75 15 days to age 75 15 days to age 75 15 days 10 days to age 75 None None None 15 days to age 75 None 10 days to age 75 15 days to age 75 15 days to age 75 3 Days 7 Days None 7 Days None None None 3 Days 3 Days 10 Days None 4 Days 4 days None 4 Days None None None None None 3 days 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 $85,000 MSRP
48 Days
Up to $85,000 MSRP
None 48 Days
Up to $85,000 MSRP
31 Days Up to $65,000 MSRP 48 Days
Up to $65,000 MSRP
None 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
None 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 $65,000 MSRP
48 Days
Up to $85,000 MSRP
None 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 $85,000 MSRP
None 31 Days
Up to $65,000 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 $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
None None None 48 Days
Up to $65,000 MSRP
48 Days
Up to $65,000 MSRP
48 Days
Up to $65,000 MSRP
None 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 None None 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
Hotel / Motel Burglary Insurance Up to $2,500 Up to $500 Up to $1,000 Up to $500 Up to $500 None Up to $1,000 None Up to $1,000 None Yes
Up to $1,000
Yes
Up to $1,000
None Yes
Up to $2,500
None Up to $1,000 None Up to $2,500 per occurence Up to $2,500 per occurence Up to $2,500 None Up to $2,500 Up to $2,500 None None None None None Up to $500 None None None None None None None Up to $2,500 Up to $3,000 Up to $2,500 Up to $2,500 None None None Up to $1,000 Up to $1,000 Up to $1,000 None 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 None None None None None 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 $1,000 per occurrence
90 Days
up to $1,000 per occurrence
90 Days
up to $1,000 per occurrence
120 Days
up to $1,000 per occurrence
90 Days
Up to $50,000 lifetime
90 Days
Up to $50,000 lifetime
90 Days
Up to $60,000 lifetime
90 Days
Up to $60,000 lifetime
90 Days
Up to $60,000 lifetime
90 Days
Up to $60,000 lifetime
120 Days
Up to $60,000 lifetime
90 Days
Up to $60,000 lifetime
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 $60,000 lifetime
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 lifetime 120 days Up to $50,000 lifetime 180 days Up to $50,000 per year 120 days Up to $50,000 lifetime 90 Days Up to $50,000 lifetime 90 Days up to $1,000 per occurrence 90 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
180 days Up to $60,000 lifetime 180 days Up to $60,000 lifetime 180 days Up to $60,000 lifetime 90 Days Up to $50,000 annually 120 Days Up to $50,000 annually 90 Days Up to $50,000 annually 90 Days Up to $50,000 annually 90 Days Up to $50,000 annually 90 Days Up to $50,000 annually 90 Days Up to $60,000 lifetime 90 Days Up to $60,000 lifetime 90 Days
Up to $60,000 lifetime
120 Days Up to $60,000 lifetime None 90 Days
Up to $60,000 lifetime
120 Days
Up to $60,000 lifetime
90 Days
Up to $60,000 lifetime
90 Days
Up to $60,000 lifetime
90 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
90 Days
Max $50,000 in a lifetime
90 Days
Max $50,000 in a 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 Yes None None None None None None None None None None None None None None None None None None None None None Yes Yes Yes None None None None None None None None None None None None None None None None None None None None None Yes Yes Yes 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 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 1 extra year Up to 2 extra years 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 1 extra year Up to 2 extra years Up to 1 extra year Up to 2 extra years Up to 2 extra years Up to 2 extra years 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 2 extra years Up to 2 extra years 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 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 None 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 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 1 extra year
Mobile Device Insurance Up to $1,500 None None Up to $1,000 None None None None Up to $1,500 None None None Up to $1,000 Up to $1,000 Up to $1,000 None None Up to $1,000 Up to $1,000 Up to $1,000 None Up to $1,000 Up to $1,500 Up to $1,000 Up to $1,500 Up to $1,500 Up to $1,500 Up to $1,000 None Up to $1,000 Up to $1,000 Up to $1,000 Up to $1,000 Up to $1,000 Up to $1,000 None Up to $1,500 Up to $1,500 None None Up to $1,000 None Up to $500 None None Up to $1,000 None Up to $1,000 Up to $1,500 Up to $1,000 Up to $1,000 Up to $1,000 Up to $1,000 None None Up to $1,000 Up to $1,000 None None
Link to Apply

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This chart was first posted on September 17, 2004 and is updated on a regular basis.

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