Compare Canadian No Foreign Transaction Fee Rewards Credit Cards

Here you can compare all of the No Foreign Transaction 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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Instructions!

Selecting which Credit Cards to Compare

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 If you do find an error, omission or out of date information in our charts please contact us with the details so that we can update our data as soon as possible.

No FX Fee Travel Rewards Credit Cards Comparison

Card	Scotiabank Gold American Express® Card	Scotiabank Passport Visa Infinite Card	Scotiabank Platinum American Express® Card
Card Type	Travel Points	Travel Points	Travel Points
Annual Fee	$120	$150	$399
Limited Time Annual Fee Offer	N/A	$0 fee in the first year	N/A
Additional Card Fee	$29	$0 for the first card $50 for additional cards	$99
Interest Rate	20.99% Purchase 22.99% Cash Advance	20.99% Purchase 22.99% Cash Advance	9.99% Purchase 9.99% Cash Advance
Foreign Transaction Fee	0%	0%	0%
Minimum Income Requirements	$12,000	$60,000 personal or $100,000 household annual income	$12,000
Current Welcome Bonus	40,000 points	30,000 points	60,000 points
Welcome Bonus Value (When redeemed for travel)	$450	$300	$600
Renewal or Additional Bonus	N/A	10,000 points if you spend $40,000 annually	N/A
Travel Purchases Earn Rate	1 point per dollar spent	1 point per dollar spent	2 points per dollar spent
Grocery Purchases Earn Rate	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
Dining / Food Delivery Purchases Earn Rate	5 points per dollar spent (in Canada only)^	2 points per dollar spent	2 points per dollar spent
Entertainment Purchases Earn Rate	5 points per dollar spent (in Canada only)^	2 points per dollar spent	2 points per dollar spent
Gas & Transit Purchases Earn Rate ( May include ride share, taxi, etc.)	3 points per dollar spent (in Canada only) ^	2 points per dollar spent (Transit Only)	2 points per dollar spent
Drug Store Purchases Earn Rate	1 point per dollar spent	1 point per dollar spent	2 points per dollar spent
Streaming Services	3 points per dollar spent (in Canada only)	1 point per dollar spent	2 points per dollar spent
Other Digital Media, Membership & Household Utility Purchases Earn Rate	3 points per dollar spent (in Canada only)	1 point per dollar spent	2 points per dollar spent
Other Recurring Bills that are not part of the two rows above	1 point per dollar spent	1 point per dollar spent	2 points per dollar spent
All Other Purchases Earn Rate	1 point per dollar spent	1 point per dollar spent	2 points per dollar spent
^ Annual cap on bonus category spending	$50,000 in spending in accelerated categories	$50,000 in spending in accelerated categories	N/A
Value of points per $1 spent when redeemed for travel	1 to 6 cents	1 to 3 cents	2 cents
Miles/Points deposited to	Scene+	Scene+	Scene+
Travel Redemption Rate	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)
Exchange Options	N/A	N/A	N/A
Cash Back Redemption Rate	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
Value of points per $1 spent for cash back redemptions	0.67% to 4.2%	0.67% to 4.2%	1.34% to 1.4%
Annual Credit	N/A	N/A	N/A
Annual Companion Voucher	No	No	No
Airport Lounge Access Membership	No	Yes	Yes
Airport Lounge Access Annual Passes	0	6	10
Free Global Wi-Fi	No	No	No
Common Carrier Travel Accident Insurance	$500,000	$500,000	$500,000
Flight Delay Insurance	4 hours $500 in total	4 hours $500 per person	4 hours $1,000 per person
Delayed Baggage Insurance	4 hours $1,000 in total	4 hours $1,000 in total	4 hours $1,000 in total
Lost / Stolen Baggage Insurance	$1,000 in total	$1,000 in total	$1,000 in total
Damaged Baggage Insurance	None	None	None
Trip Cancellation Insurance	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)
Trip Interruption Insurance	$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)
Travel Medical Insurance up to 64 years old	25 Days	25 Days	31 Days
Travel Medical Insurance 65+	3 Days	3 Days	10 Days
Auto Rental/Loss Damage Insurance	48 Days Up to $65,000 MSRP	48 Days Up to $65,000 MSRP	48 Days Up to $65,000 MSRP
Hotel / Motel Burglary Insurance	Up to $1,000	Up to $1,000	Up to $1,000
Purchase Protection	90 Days Up to $60,000 lifetime	90 Days Up to $60,000 lifetime	120 Days Up to $60,000 lifetime
Price Protection	None	None	None
Extended Warranty Plan	Up to 1 extra year	Up to 1 extra year	Up to 2 extra years
Mobile Device Insurance	None	None	Up to $1,000
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

American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information click the Apply now link. Conditions apply

BMO

BMO is not responsible for maintaining the content on this site. Please click on the Apply now link for the most up to date information

CIBC

This is a digital-exclusive offer.† To be eligible for this offer, you must apply for a new eligible card using the “Learn More” link available on this webpage.†

†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.

† Terms and Conditions apply. Sponsored advertising. The Toronto-Dominion Bank (TD) is not responsible for the contents of this site including any editorials or reviews that may appear on this site. For complete and current information on any TD product, please click the Apply Now button

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Credit Card Comparison - No FX Fee Travel Rewards Cards

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No FX Fee Travel Rewards Credit Cards Comparison

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