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Credit Card Comparison - Hybrid Travel Rewards Cards

Last Updated on October 29, 2024


Here you can compare all of the Hybrid 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 If you do find an error, omission or out of date information in our charts please contact us with the details so that we can update our data as soon as possible.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

 Hybrid Travel Rewards Credit Cards Comparison


Card American Express Cobalt™ Card American Express Gold Rewards Card American Express Green Card The Platinum Card from American Express RBC Avion Visa Infinite Card RBC Avion Visa Infinite Privilege Card RBC Avion Visa Platinum Card RBC ION+ Visa Card RBC ION Visa Card
Card Type Hybrid Hybrid Hybrid Hybrid Hybrid Hybrid Hybrid Hybrid Hybrid
Annual Fee $12.99 per month ($155.88/year) $250 $0 $799 $120 $399 $120 $4 per month ($48 annually) $0
Limited Time Annual Fee Offer N/A N/A N/A N/A N/A N/A N/A N/A N/A
Additional Card Fee $0 $0 for first card, $50 any additional $0 $250
($0 for first two Gold, then $50)
$50 $99 $50 $0 $0
Interest Rate 21.99% Purchase † 21.99% Cash Advance † 21.99% Purchase 21.99% Cash Advance 21.99% Purchase † 21.99% Cash Advance † 30% non-revolving 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 19.99% Purchase 22.99% Cash Advance
Foreign Transaction Fee 2.5% 2.5% 2.5% 2.5% 2.5% 2.5% 2.5% 2.5% 2.5%
Minimum Income Requirements N/A N/A N/A N/A $60,000 (individual)
or $100,000 (household)
$200,000 (individual or household) N/A N/A N/A
Current Welcome Bonus 15,000 points 60,000 points 10,000 points Up to 140,000 points 35,000 points 70,000 points 35,000 points 12,000 points 6,000 points
Welcome Bonus Value
(When redeemed for travel)
$150 $600 to $1,200 or more $100 to $200 or more $1,400 to $2,800 or more $350 or more $700 or more $350 or more ~$70 ~$35
Renewal or Additional Bonus 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 N/A N/A
Travel Purchases Earn Rate 2 points per dollar spent 2 points per dollar spent 1 point per dollar spent 2 points per dollar spent 1.25 points per dollar spent 1.25 points per dollar spent 1 point per dollar spent 1 point per dollar spent 1 point per dollar spent
Grocery Purchases Earn Rate 5 points per dollar spent ^
2 points per dollar spent 1 point per dollar spent 1 point per dollar spent 1 point per dollar spent
1.25 points per dollar spent 1 point per dollar spent 3 points per dollar spent 1.5 points per dollar spent
Dining / Food Delivery Purchases Earn Rate 5 points per dollar spent ^
1 point per dollar spent 1 point per dollar spent 2 points per dollar spent 1 point per dollar spent
1.25 points per dollar spent 1 point per dollar spent 3 points per dollar spent 1 point per dollar spent
Entertainment Purchases Earn Rate 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 1.25 points per dollar spent 1 point per dollar spent 1 point per dollar spent 1 point per dollar spent
Gas & Transit** Purchases Earn Rate
(** May include ride share, taxi, etc.)
2 points per dollar spent 2 points per dollar spent (Gas only) 1 point per dollar spent 1 point per dollar spent 1 point per dollar spent 1.25 points per dollar spent 1 point per dollar spent 3 points per dollar spent 1.5 points per dollar spent
Drug Store Purchases Earn Rate 1 point per dollar spent 2 points per dollar spent 1 point per dollar spent 1 point 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
Streaming Services 3 points per dollar spent 1 point per dollar spent 1 point per dollar spent 1 point per dollar spent 1 point per dollar spent 1.25 points per dollar spent 1 point per dollar spent 3 points per dollar spent 1.5 points per dollar spent
Other Digital Media, Membership & Household Utility Purchases Earn Rate 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 1.25 points per dollar spent 1 point per dollar spent 3 points per dollar spent (Digital memberships only) 1.5 points per dollar spent (Digital memberships only)
Other Recurring Bills that are not part of the two rows above 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 1.25 points per dollar spent 1 point per dollar spent 1 point per dollar spent 1 point per dollar spent
All Other Purchases Earn Rate 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 1.25 points per dollar spent 1 point per dollar spent 1 point per dollar spent 1 point per dollar spent
^ Annual cap on bonus category spending $30,000 for eats and drinks N/A N/A N/A N/A N/A N/A N/A N/A
Value of points per $1 spent when redeemed for travel 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 to 1.25 cents 1.25 cents 1 cent 0.58 cents to 1.74 cents 0.58 cents to 0.87 cents
Miles/Points deposited to Membership Rewards Membership Rewards Membership Rewards Membership Rewards Avion Rewards Avion Rewards Avion Rewards Avion Rewards Avion Rewards
Travel Redemption Rate 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 = $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
172 points = $1
for any travel booked with Avion Rewards Travel
172 points = $1
for any travel booked with Avion Rewards Travel
Exchange Options 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
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 WestJet Rewards Transfer to WestJet Rewards
Cash Back Redemption Rate 1,000 points = $10 statement credit 1,000 points = $10 statement credit 1,000 points = $10 statement credit 1,000 points = $10 statement credit 17,200 points = $100 statement credit 17,200 points = $100 statement credit 17,200 points = $100 statement credit 172 points = $1 172 points = $1
Value of points per $1 spent for cash back redemptions 1% to 5% 1% to 2% 1% 1% to 3% 0.58% to 0.73% 0.73% 0.58% 0.58 cents to 1.74 cents 0.58 cents to 0.87 cents
Annual Credit 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
Annual Companion Voucher No No No No No No No No No
Airport Lounge Access Membership No Yes No Yes No Yes No No No
Airport Lounge Access Annual Passes 0 4 0 Unlimited 0 6 0 0 0
Free Global Wi-Fi No No No No No No No No No
Common Carrier Travel Accident Insurance $250,000 $500,000 None $500,000 $500,000 $500,000 $500,000 None None
Flight Delay Insurance 4 hours
$500 in total
4 hours
$500 in total
None 4 hours
$1,000 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
None None
Delayed Baggage Insurance 6 hours
$500 in total
6 hours
$500 in total
None 6 hours
$1,000 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
None None
Lost / Stolen Baggage Insurance $500 in total $500 in total None up to $1,000 $500 per person / $2,500 in total Up to $2,500 in total $500 per person / $2,500 in total None None
Damaged Baggage Insurance $500 in total $500 in total None up to $1,000 None Up to $2,500 in total None None None
Trip Cancellation Insurance None $1,500 per person up to $3,000 maxmimum per account None $2,500 per person up to $5,000 maxmimum per account $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
Trip Interruption Insurance None $1,500 per person up to $6,000 maxmimum per account None $2,500 per person up to $6,000 maxmimum per account $5,000 per person
(up to $25,000 per trip)
$5,000 per person $2,500 per person None None
Travel Medical Insurance up to 64 years old 15 Days 15 Days None 15 Days 15 Days 31 Days None None None
Travel Medical Insurance 65+ None None None None 3 Days 7 Days None None None
Auto Rental/Loss Damage Insurance 48 Days
Up to $85,000 MSRP
48 Days
Up to $85,000 MSRP
None 48 Days
Up to $85,000 MSRP
48 Days
Up to $65,000 MSRP
48 Days
Up to $85,000 MSRP
48 Days
Up to $65,000 MSRP
None None
Hotel / Motel Burglary Insurance Up to $500 Up to $500 None Up to $1,000 Up to $2,500 Up to $3,000 Up to $2,500 None None
Purchase Protection 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 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
Price Protection 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 2 extra years Up to 1 extra year Up to 1 extra year Up to 1 extra year
Mobile Device Insurance Up to $1,000 None None None Up to $1,500 Up to $1,500 None Up to $1,000 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

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CIBC

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HSBC

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MBNA

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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..


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