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.
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Click on the icon to get a list of the cards which you can select for your comparison
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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
20.99%
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 100,000 points
55,000 points
55,000 points
55,000 points
7,000 points
3,500 points
Welcome Bonus Value
(When redeemed for travel)
$150
$600 to $1,200 or more
$100 to $200 or more
$1,000 to $2,000 or more
$550 or more
$550 or more
$550 or more
~$40
~$20
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
$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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BMO
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CIBC
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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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