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Credit Card Comparison - No Fee Travel Rewards Cards
Last Updated on November 5, 2024
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.
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 If you do find an error, omission or out of date information in our charts please contact us with the details so that we can update our data as soon as possible.
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
3,500 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
~$20
$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)
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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American Express
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BMO
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CIBC
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†Conditions Apply
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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