Compare Canadian No Fee Travel Rewards Credit Cards

Here you can compare all of the No Fee Travel Rewards 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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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 If you do find an error, omission or out of date information in our charts please contact us with the details so that we can update our data as soon as possible.

No Fee Travel Rewards Credit Cards Comparison

Card	American Express Green Card	ATB Gold My Rewards Travel Mastercard®	BMO AIR MILES®† MasterCard®*	BMO eclipse rise Visa* Card	CIBC Aeroplan® Visa* Card	CIBC Aventura Visa Card	Desjardins Bonus Visa*	MBNA Rewards Platinum Plus® Mastercard®	RBC ION Visa Card	Scotiabank American Express Card	Scotiabank Scene+ Visa Card	TD Rewards Visa* Card	Vancity enviro️ Visa* Classic card
Card Type	Hybrid	Travel Points	Travel Points	Travel Points	Airline	Travel Points	Travel Points	Travel Points	Hybrid	Travel Points	Travel Points	Travel Points	Travel Points
Annual Fee	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Limited Time Annual Fee Offer	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
Additional Card Fee	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Interest Rate	21.99% Purchase † 21.99% Cash Advance †	19.99% Purchase 22.99% Cash Advance	20.99% Purchase 22.99% Cash Advance	20.99% Purchase 23.99% Cash Advance	19.99% Purchase 22.99% Cash Advance	20.99% Purchase 22.99% Cash Advance	19.9% on Purchase and Cash Advance	19.99% Purchase 22.99% balance transfers / 24.99% 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 †	19.5%
Foreign Transaction Fee	2.5%	2.9%	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	N/A	N/A	N/A	N/A	$15,000 household annual income	$15,000 household annual income	N/A	N/A	N/A	$12,000	$12,000	N/A	N/A
Current Welcome Bonus	10,000 points	N/A	800 Miles	20,000 points	10,000 points	12,000 points	N/A	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	6,000 points	5,000 points	5,000 points	15,152 points	N/A
Welcome Bonus Value (When redeemed for travel)	$100 to $200 or more	N/A	~$76 or more	$133	$150 or more	$120 or more	N/A	$100	~$35	$50	$50	$60	N/A
Renewal or Additional Bonus	N/A	N/A	N/A	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	N/A	N/A	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	N/A	N/A
Travel Purchases Earn Rate	1 point per dollar spent	10 points per dollar spent	1 Mile per $25 spent	1 point per $2 spent	1 point per dollar spent with Air Canada otherwise 1 point per $1.50 spent	1 point per dollar spent via CIBC Rewards Centre otherwise 0.5 points per dollar	0.5% back in BONUS DOLLARS	1 point per dollar spent	1 point per dollar spent	1 point per dollar spent	1 point per dollar spent	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
Grocery Purchases Earn Rate	1 point per dollar spent	10 points per dollar spent	2 Miles per $25 spent	5 points per $2 spent^	1 point per dollar spent	1 point per dollar spent	0.5% back in BONUS DOLLARS	2 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 ^	2 points per dollar at Sobeys, Safeway, etc. 1 points per dollar spent at all other grocery stores ^	3 points per dollar spent	0.5 points per dollar spent
Dining / Food Delivery Purchases Earn Rate	1 point per dollar spent	10 points per dollar spent	1 Mile per $25 spent	5 points per $2 spent^	1 point per $1.50 spent	0.5 points per dollar spent	2% back in BONUS DOLLARS	2 points per dollar spent^	1 point per dollar spent	2 points per dollar spent	1 point per dollar spent	3 points per dollar spent	0.5 points per dollar spent
Entertainment Purchases Earn Rate	1 point per dollar spent	10 points per dollar spent	1 Mile per $25 spent	1 point per $2 spent	1 point per $1.50 spent	0.5 points per dollar spent	2% back in BONUS DOLLARS	1 point per dollar spent	1 point 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	0.5 points per dollar spent
Gas & Transit Purchases Earn Rate ( May include ride share, taxi, etc.)	1 point per dollar spent	10 points per dollar spent	1 Mile per $25 spent	1 point per $2 spent	1 point per dollar spent (Gas only)	1 point per dollar spent (Gas only)	2% back in BONUS DOLLARS (Alternative Transportaion only)	1 point per dollar spent	1.5 points per dollar spent	2 points per dollar spent	1 point per dollar spent	1 point per dollar	0.5 points per dollar spent
Drug Store Purchases Earn Rate	1 point per dollar spent	10 points per dollar spent	1 Mile per $25 spent	1 point per $2 spent	1 point per $1.50 spent	1 point per dollar spent	0.5% back in BONUS DOLLARS	1 point per dollar spent	1 point per dollar spent	1 point per dollar spent	1 point per dollar spent	1 point per dollar	0.5 points per dollar spent
Streaming Services	1 point per dollar spent	10 points per dollar spent	1 Mile per $25 spent	1 point per $2 spent	1 point per $1.50 spent	0.5 points per dollar spent	2% back in BONUS DOLLARS (on pre-authorized purchases) otherwise 0.5%	2 points per dollar spent^	1.5 points per dollar spent	2 points per dollar spent	1 point per dollar spent	2 points per dollar spent (if considered a recurring bill) otherwise 1 point per dollar	0.5 points per dollar spent
Other Digital Media, Membership & Household Utility Purchases Earn Rate	1 point per dollar spent	10 points per dollar spent	1 Mile per $25 spent	5 points per $2 spent^ on recurring bills otherwise 1 point per $2 spent	1 point per $1.50 spent	0.5 points per dollar spent	2% back in BONUS DOLLARS (on pre-authorized purchases) otherwise 0.5%	2 points per dollar spent^	1.5 points per dollar spent (Digital memberships only)	1 point per dollar spent	1 point per dollar spent	2 points per dollar spent (if considered a recurring bill) otherwise 1 point per dollar	0.5 points per dollar spent
Other Recurring Bills that are not part of the two rows above	1 point per dollar spent	10 points per dollar spent	1 Mile per $25 spent	5 points per $2 spent^ on recurring bills otherwise 1 point per $2 spent	1 point per $1.50 spent	0.5 points per dollar spent	2% back in BONUS DOLLARS (on pre-authorized purchases) otherwise 0.5%	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	0.5 points per dollar spent
All Other Purchases Earn Rate	1 point per dollar spent	10 points per dollar spent	3 Miles per $25 spent at AIR MILES partners otherwise 1 Mile per $25 spent	1 point per $2 spent	1 point per $1.50 spent	0.5 points per dollar spent	0.5% back in BONUS DOLLARS	1 point per dollar spent	1 point per dollar spent	1 point per dollar spent	1 point per dollar spent	1 point per dollar	0.5 points per dollar spent
^ Annual cap on bonus category spending	N/A	N/A	N/A	$5,000 for each accelerated categories	$40,000 in gross annual spending across all categories	$6,000 in gross annual spending across all categories	N/A	$10,000 per category ($50,000 in total)	N/A	$50,000 in spending in accelerated categories	N/A	$5,000 in annual spending across accelerated categories	N/A
Value of points per $1 spent when redeemed for travel	1 cent (1.5 to 2 cents when using Fixed Points for Travel)	1 cent	~0.38 to 1.14 cents	0.33 to 1.67 cents	1 to 1.5 cents or more	0.5 to 1 cent (Aventura chart value: up to 2 cents)	0.5 cents to 2 cents	1 to 4 cents (1.1 to 4.4 cents with the Birthday Bonus)	0.58 cents to 0.87 cents	1 to 3 cents	1 to 2 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%
Miles/Points deposited to	Membership Rewards	ATB My Rewards	AIR MILES	BMO Rewards	Air Canada Aeroplan	CIBC Rewards	BONUS DOLLARS Rewards	MBNA Rewards	Avion Rewards	Scene+	Scene+	TD Rewards	Vancity Rewards
Travel Redemption Rate	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	10,000 points = $10	Varies	150 points = $1	Varies	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 BONUS DOLLAR = $1	100 points = $1	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 = $4 (Any travel redemption) 1,000 points = $5 (ExpediaForTD redemption)	100 points = $1
Exchange Options	Convert points to: 6 airline programs and 2 hotel programs	N/A	N/A	N/A	N/A	N/A	N/A	N/A	Transfer to WestJet Rewards	N/A	N/A	N/A	N/A
Cash Back Redemption Rate	1,000 points = $10 statement credit	10,000 points = $10 statement credit	95 Miles = $10 if you choose to earn Cash Miles	200 points = $1 statement credit	N/A	4,000 points = $25 statement credit	N/A	200 points = $1 statement credit	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	400 points = $1 statement credit	100 points = $1
Value of points per $1 spent for cash back redemptions	1%	1%	0.42% to 1.26%	0.25% to 1.25%	N/A	0.35% to 0.7%	N/A	0.5% to 1%	0.58 cents to 0.87 cents	0.67% to 2.1%	0.67% to 1.4%	0.25% to 1%	0.5% to 1%
Annual Credit	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 Companion Voucher	No	No	No	No	N/A	No	No	No	No	No	No	No	No
Airport Lounge Access Membership	No	No	No	No	N/A	No	No	No	No	No	No	No	No
Airport Lounge Access Annual Passes	0	0	0	0	0	0	0	0	0	0	0	0	0
Free Global Wi-Fi	No	Np	No	No	No	No	No	No	No	No	No	No	No
Common Carrier Travel Accident Insurance	None	$200,000	None	N/A	$100,000	$100,000	None	None	None	None	None	None	$200,000
Flight Delay Insurance	None	4 hours $250 per day $500 in total	None	None	None	None	None	None	None	None	None	None	None
Delayed Baggage Insurance	None	4 hours $250 per day $500 in total	None	None	None	None	6 hours $500 per person	None	None	None	None	None	None
Lost / Stolen Baggage Insurance	None	None	None	None	None	None	up to $500 per person (max trip length 3 days)	None	None	None	None	None	None
Damaged Baggage Insurance	None	None	None	None	None	None	up to $500 per person (max trip length 3 days)	None	None	None	None	None	None
Trip Cancellation Insurance	None	None	None	None	None	None	up to $500 per person (max trip length 3 days)	None	None	None	None	None	None
Trip Interruption Insurance	None	None	None	None	None	None	up to $1,000 per person (max trip length 3 days)	None	None	None	None	None	None
Travel Medical Insurance up to 64 years old	None	None	None	None	None	None	3 days	None	None	None	None	None	None
Travel Medical Insurance 65+	None	None	None	None	None	None	3 days to age 75	None	None	None	None	None	None
Auto Rental/Loss Damage Insurance	None	31 Days Up to $65,000 MSRP	None	None	48 Days Up to $65,000 MSRP	48 Days Up to $65,000 MSRP	None	None	None	None	None	None	None
Hotel / Motel Burglary Insurance	None	None	None	None	None	None	None	None	None	None	None	None	None
Purchase Protection	90 Days up to $1,000 per occurrence	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	90 Days Up to $50,000 lifetime	90 Days Up to $60,000 lifetime	90 Days Up to $50,000 annually	90 Days Up to $60,000 lifetime	None	90 Days Up to $60,000 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 1 extra year	Up to 1 extra year	Up to 1 extra year	Up to 1 extra year	None	Up to 1 extra year	Up to 1 extra year
Mobile Device Insurance	None	None	None	Up to $1,000	None	None	Up to $1,000	Up to $1,000	None	Up to $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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Credit Card Comparison - No Fee Travel Rewards Cards

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