Compare Canadian Travel Rewards Credit Cards

Here you can compare the Top 15 Travel Rewards credit cards as ranked by Rewards Canada. The charts include costs, earn rates, point values, insurance, benefits and more.

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Top 15 Travel Rewards Credit Cards Comparison

Card	American Express® Aeroplan®* Card	American Express Cobalt™ Card	American Express Gold Rewards Card	The Platinum Card from American Express	BMO Ascend™ World Elite®* Mastercard®*	CIBC Aventura Visa Infinite Card	Marriott Bonvoy American Express Card	MBNA Rewards World Elite Mastercard	RBC Avion Visa Infinite Card	Scotiabank Gold American Express® Card	Scotiabank Passport Visa Infinite Card	TD® Aeroplan® Visa Infinite* Card	TD First Class Travel® Visa Infinite* Card	WestJet RBC World Elite Mastercard
Card Type	Airline	Hybrid	Hybrid	Hybrid	Travel Points	Travel Points	Hotel	Travel Points	Hybrid	Travel Points	Travel Points	Airline	Travel Points	Airline
Annual Fee	$120	$12.99 per month ($155.88/year) Quebec: $150 annually	$250	$799	$150	$139	$120	$120	$120	$120	$150	$139	$139	$119
Limited Time Annual Fee Offer	N/A	N/A	N/A	N/A	$0 in the first year	$0 in the first year	N/A	N/A	N/A	$0 fee in the first year	N/A	$0 in the first year	$0 in the first year	N/A
Additional Card Fee	$50 with benefits $0 to earn points only	$0	$0 for first card, $50 any additional	$250 ($0 for first two Gold, then $50)	$50	$50	$0	$50 for first card, $0 any additional	$50	$29	$0 for the first card $50 for additional cards	$75	$50	$59
Interest Rate	30% non-revolving	21.99% Purchase † 21.99% Cash Advance †	21.99% Purchase 21.99% Cash Advance	30% non-revolving	21.99% Purchase 23.99% Cash Advance (21.99% in Quebec)	20.99% Purchase 22.99% Cash Advance	21.99% Purchase 21.99% Cash Advance	19.99% Purchase 22.99% balance transfers / 24.99% Cash Advance	19.99% Purchase 22.99% Cash Advance	20.99% Purchase 22.99% Cash Advance	20.99% Purchase 22.99% Cash Advance	21.99% on Purchase 22.99% Cash advances (21.99% in Quebec)	21.99% on Purchase 22.99% Cash advances (21.99% in Quebec)	19.99% Purchase 21.99% Cash Advance
Foreign Transaction Fee	2.5%	2.5%	2.5%	2.5%	2.5%	2.5%	2.5%	2.5%	2.5%	0%	0%	2.5%	2.5%	2.5%
Minimum Income Requirements	N/A	N/A	N/A	N/A	$80,000 (individual) or $150,000 (household)	$60,000 personal or $100,000 household annual income	N/A	$80,000 (individual) or $150,000 (household)	$60,000 (individual) or $100,000 (household)	$12,000	$60,000 personal or $100,000 household annual income	$60,000 personal or $100,000 household annual income	$60,000 personal or $100,000 household annual income	$80,000 personal or $150,000 household annual income
Current Welcome Bonus	50,000 points	15,000 points	up to 110,000 points	Up to 180,000 points	60,000 points	40,000 points	50,000 points	30,000 points	55,000 points	50,000 points	35,000 points	45,000 points	165,000 points	45,000 points
Welcome Bonus Value (When redeemed for travel)	$750 or more	$150	$1,100 to $2,200 or more	$1,800 to $3,600 or more	$400	$400 or more	$500 or more	$300	$550 or more	$500	$350	$675 or more	$660 - $825	$450
Renewal or Additional Bonus	1,000 Status Qualifying Miles and 1 Status Qualifying Segment for every $10,000 spend on the card	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)	10,000 bonus points for approved referrals to the card (up to 225,000 points annually)	N/A	N/A	Annual Free Night Award (up to 35,000 points) to use at eligible hotels and resorts worldwide	10% extra points awarded on your birthday for your spending over the previous 12 months (Capped at 15,000 points)	N/A	N/A	10,000 points if you spend $40,000 annually	1,000 Status Qualifying Miles and 1 Status Qualifying Segment for every $10,000 spend on the card	10% extra points awarded on your birthday for your spending over the previous 12 months (Capped at 10,000 points)	Receive a Status Lift of $200 in tier qualifying spend for every $5,000 in everyday purchases on your WestJet RBC World Elite Mastercard.1 You can earn up to 50 lifts each qualifying year (January 1 – December 31).
Travel Purchases Earn Rate	2 points per dollar spent with Air Canada otherwise 1 point per dollar spent	2 points per dollar spent	2 points per dollar spent	2 points per dollar spent	5 points per dollar spent^	2 points per dollar spent via CIBC Rewards Centre otherwise 1 point per dollar	5 points per dollar spent at Marriott properties worldwide other 2 points per dollar	1 point per dollar spent	1.25 points per dollar spent	1 point per dollar spent	1 point per dollar spent	1.5 points per dollar spent with Air Canada otherwise 1 point per dollar spent	8 points per dollar spent (ExpediaForTD only) 2 points per dollar spent (all other travel)	2 points per dollar spent with WestJet 1.5 points per dollar spent (all other travel)
Grocery Purchases Earn Rate	1 point per dollar spent	5 points per dollar spent ^	2 points per dollar spent	1 point per dollar spent	1 point per dollar spent	1.5 points per dollar spent^	2 points per dollar spent	5 points per dollar spent ^	1 point per dollar spent	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	1.5 points per dollar spent	6 points per dollar spent	1.5 points per dollar spent
Dining / Food Delivery Purchases Earn Rate	1.5 points per dollar spent	5 points per dollar spent ^	1 point per dollar spent	2 points per dollar spent	3 points per dollar spent^	1 point per dollar spent	2 points per dollar spent	5 points per dollar spent ^	1 point per dollar spent	5 points per dollar spent (in Canada only)^	2 points per dollar spent	1 point per dollar spent	6 points per dollar spent	1.5 points 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	3 points per dollar spent^	1 point per dollar spent	2 points per dollar spent	1 point per dollar spent	1 point per dollar spent	5 points per dollar spent (in Canada only)^	2 points per dollar spent	1 point per dollar spent	2 points per dollar spent	1.5 points per dollar spent
Gas & Transit Purchases Earn Rate ( May include ride share, taxi, etc.)	1 point per dollar spent	2 points per dollar spent	2 points per dollar spent (Gas only)	1 point per dollar spent	1 point per dollar spent	1.5 points per dollar spent^ (Gas only)	2 points per dollar spent	1 point per dollar spent	1 point per dollar spent	3 points per dollar spent (in Canada only) ^	2 points per dollar spent (Transit Only)	1.5 points per dollar spent (Gas only)	2 points per dollar spent	1.5 points per dollar spent
Drug Store Purchases Earn Rate	1 point per dollar spent	1 point per dollar spent	2 points per dollar spent	1 point per dollar spent	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 spent	1 point per dollar spent	1 point per dollar spent	1 point per dollar spent	2 points per dollar spent	1.5 points per dollar spent
Streaming Services	1 point per dollar spent	3 points per dollar spent	1 point per dollar spent	1 point per dollar spent	3 points per dollar spent^ (if considered a recurring bill) otherwise 1 point per dollar	1 point per dollar spent	2 points per dollar spent	5 points per dollar spent ^	1 point per dollar spent	3 points per dollar spent (in Canada only)	1 point per dollar spent	1 point per dollar spent	4 points per dollar spent (if considered a recurring bill) otherwise 2 points per dollar	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	3 points per dollar spent^ (if considered a recurring bill) otherwise 1 point per dollar	1 point per dollar spent	2 points per dollar spent	5 points per dollar spent ^	1 point per dollar spent	3 points per dollar spent (in Canada only)	1 point per dollar spent	1 point per dollar spent	4 points per dollar spent (if considered a recurring bill) otherwise 2 points per dollar	1.5 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	1 point per dollar spent	1 point per dollar spent	3 points per dollar spent^	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 point per dollar spent	1 point per dollar spent	4 points per dollar spent	1.5 points 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 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 point per dollar spent	1 point per dollar spent	2 points per dollar spent	1.5 points per dollar spent
^ Annual cap on bonus category spending	N/A	$30,000 for eats and drinks	N/A	N/A	$15,000 on travel $10,000 each for dining, entertainment & recurring bills	$80,000 in gross annual spending across all categories	N/A	$50,000 per category ($250,000 in total)	N/A	$50,000 in spending in accelerated categories	$50,000 in spending in accelerated categories	$80,000 in gross annual spending across all categories	$25,000 in annual spending across accelerated categories	N/A
Value of points per $1 spent when redeemed for travel	1.5 to 3 cents	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 to 2 cents (1.5 to 4 cents when using Fixed Points for Travel)	0.67 to 3.34 cents	1 to 2 cents (Aventura chart value: up to 4 cents)	2 to 5 cents	1 to 5 cents (1.1 to 5.5 cents with the Birthday Bonus)	1 to 1.25 cents	1 to 6 cents	1 to 3 cents	1.5 cents to 2.25 cents or more	Expedia for TD travel bookings: 1 to 4 cents (1.1 to 4.4 cents with birthday bonus) Any other travel bookings: 0.8 to 3.2 cents (0.88 to 3.52 cents with birthday bonus)	1.5% to 2%
Miles/Points deposited to	Air Canada Aeroplan	Membership Rewards	Membership Rewards	Membership Rewards	BMO Rewards	CIBC Rewards	Marriott Bonvoy	MBNA Rewards	Avion Rewards	Scene+	Scene+	Air Canada Aeroplan	TD Rewards	WestJet Rewards
Travel Redemption Rate	Varies	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 6% return for travel booked via Amex's Fixed Points for Travel program	150 points = $1	1,000 points = $10 for any travel booked with CIBC Rewards or up to a 4% return for travel booked via the Aventura Flight Rewards Chart	Varies	100 points = $1	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 (minimum redemption is 100 points)	1,000 points = $10 (minimum redemption is 100 points)	Varies	1,000 points = $4 (Any travel redemption) 1,000 points = $5 (ExpediaForTD redemption)	1.5% to 2%
Exchange Options	N/A	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	N/A	N/A	Convert points to: 40+ airline programs	N/A	Convert points to: 4 airline programs and Hudson's Bay Rewards	N/A	N/A	N/A	N/A	N/A
Cash Back Redemption Rate	N/A	1,000 points = $10 statement credit	1,000 points = $10 statement credit	1,000 points = $10 statement credit	200 points = $1 statement credit	4,000 points = $25 statement credit	N/A	120 points = $1 statement credit	17,200 points = $100 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	N/A	400 points = $1 statement credit	N/A
Value of points per $1 spent for cash back redemptions	N/A	1% to 5%	1% to 2%	1% to 3%	0.5% to 2.5%	0.69% to 1.25%	N/A	0.83% to 4.15%	0.58% to 0.73%	0.67% to 4.2%	0.67% to 4.2%	N/A	0.5% to 2% (0.55 to 2.2% with birthday bonus)	N/A
Annual Credit	N/A	N/A	$100 Annual Travel Credit NEXUS Credit: $50 every 48 months	$200 Annual Travel Credit $200 Annual dining credit NEXUS Credit:$100 every 48 months	N/A	N/A	15 elite nights credited each year	N/A	N/A	N/A	N/A	NEXUS Credit: Up to $100 every 48 months	$100 (Towards select travel bookings of $500 or more with Expedia for TD)	N/A
Annual Companion Voucher	No	No	No	No	No	No	No	No	No	No	No	No	No	Yes Travel to Canada and the Continental US for $119 CAD Travel to the rest of the WestJet network for $399 CAD
Airport Lounge Access Membership	No	No	Yes	Yes	Yes	Yes	No	Yes	No	No	Yes	No	No	Yes
Airport Lounge Access Annual Passes	0	0	4	Unlimited	4	4	0	0	0	0	6	0	0	0
Free Global Wi-Fi	No	No	No	No	Yes	No	No	Yes	No	No	No	No	No	Yes
Common Carrier Travel Accident Insurance	$500,000	$250,000	$500,000	$500,000	$500,000	$500,000	$500,000	$1,000,000	$500,000	$500,000	$500,000	$500,000	$500,000	$500,000
Flight Delay Insurance	4 hours $500 in total	4 hours $500 in total	4 hours $500 in total	4 hours $1,000 per person	4 hours $500 in total	4 hours $500 in total	4 hours $500 in total	4 hours up to $500 per person	4 hours $250 per person / $500 in total	4 hours $500 in total	4 hours $500 per person	4 hours up to $500 per person	4 hours up to $500 per person	4 hours up to $500 per person
Delayed Baggage Insurance	6 hours $500 in total	6 hours $500 in total	6 hours $500 in total	6 hours $1,000 per person	6 hours $500 per trip	6 hours $500 per person / $1,000 in total	6 hours $500 in total	4 hours up to $1,000 per person	4 hours $500 per person / $2,500 in total	4 hours $1,000 in total	4 hours $1,000 in total	6 hours up to $1,000 per person	6 hours up to $1,000 per person	4 hours up to $500 per person
Lost / Stolen Baggage Insurance	$500 in total	$500 in total	$500 in total	up to $1,000	up to $500 per person / $1,000 max per trip	$500 per person / $1,000 in total	$500 in total	Up to $1,000 per person	$500 per person / $2,500 in total	$1,000 in total	$1,000 in total	Up to $1,000 per person	Up to $1,000 per person	None
Damaged Baggage Insurance	$500 in total	$500 in total	$500 in total	up to $1,000	up to $500 per person / $1,000 max per trip	$500 per person / $1,000 in total	$500 in total	None	None	None	None	None	None	None
Trip Cancellation Insurance	None	None	$1,500 per person up to $3,000 maxmimum per account	$2,500 per person up to $5,000 maxmimum per account	$1,500 per person (max $5,000)	$1,500 per person (max $5,000)	None	None	$1,500 per person (up to $5,000 per trip)	Yes $1,500 per person (up to $10,000 per trip)	Yes $1,500 per person (up to $10,000 per trip)	Yes $1,500 per person up to $5,000 maximum per account	Yes $1,500 per person (max $5,000)	None
Trip Interruption Insurance	None	None	$1,500 per person up to $6,000 maxmimum per account	$2,500 per person up to $6,000 maxmimum per account	$2,000 per person (max $10,000 per trip)	$2,000 per person	None	None	$5,000 per person (up to $25,000 per trip)	$1,500 per person (up to $10,000 per trip)	$2,500 per person (up to $10,000 per trip)	Yes $2,500 per person up to $25,000 maximum per account	$5,000 per person (max $25,000)	Yes $5,000 per person up to $25,000 maximum per account
Travel Medical Insurance up to 64 years old	None	15 Days	15 Days	15 Days	21 days - up to $5 million	15 days	None	21 Days	15 Days	25 Days	25 Days	21 Days	21 Days	15 days
Travel Medical Insurance 65+	None	None	None	None	None	3 Days	None	None	3 Days	3 Days	3 Days	4 Days	4 Days	3 days
Auto Rental/Loss Damage Insurance	48 Days Up to $85,000 MSRP	48 Days Up to $85,000 MSRP	48 Days Up to $85,000 MSRP	48 Days Up to $85,000 MSRP	48 Days Up to $65,000 MSRP	48 Days Up to $65,000 MSRP	48 Days Up to $85,000 MSRP	31 Days Up to $65,000 MSRP	48 Days Up to $65,000 MSRP	48 Days Up to $65,000 MSRP	48 Days Up to $65,000 MSRP	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 $500	Up to $500	Up to $500	Up to $1,000	Yes Up to $1,000	Up to $2,500	Up to $500	None	Up to $2,500	Up to $1,000	Up to $1,000	Up to $2,500 per occurrence	Up to $2,500 per occurrence	Up to $2,500 per occurrence
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 $60,000 lifetime	90 Days Up to $60,000 lifetime	90 Days up to $1,000 per occurrence	90 Days Up to $60,000 lifetime	90 Days Up to $50,000 annually	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 Max $50,000 in a lifetime
Price Protection	None	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	Up to 1 extra year	Up to 1 extra year	Up to 1 extra year	Up to 1 extra year
Mobile Device Insurance	None	Up to $1,000	None	None	None	Up to $1,000	None	Up to $1,000	Up to $1,500	None	None	Up to $1,000	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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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

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Credit Card Comparison - Top 15 Travel Rewards Cards

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