Here you can compare all of the Ultra Premium 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 If you do find an error, omission or out of date information in our charts please contact us with the details so that we can update our data as soon as possible.
All Travel Rewards Credit Cards Comparison
| Card | American Express® Aeroplan®* Reserve Card | American Express Gold Rewards Card | The Platinum Card from American Express | BMO eclipse Visa Infinite Privilege* Card | CIBC Aeroplan® Visa Infinite Privilege* Card | CIBC Aventura Visa Infinite Privilege Card | Desjardins Odyssey® Visa Infinite Privilege* | RBC Avion Visa Infinite Privilege Card | Scotiabank Platinum American Express® Card | TD® Aeroplan® Visa Infinite Privilege* Card | Vancity enviro Visa Infinite Privilege* card |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Card Type | Airline | Hybrid | Hybrid | Travel Points | Airline | Travel Points | Travel Points | Hybrid | Travel Points | Airline | Travel Points |
| Annual Fee | $599 | $250 | $799 | $499 | $599 | $499 | $295 members / $395 non-members | $399 | $399 | $599 | $245 for Vancity members, $395 for non-members |
| 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 |
| Additional Card Fee | $199 with benefits $0 to earn points only | $0 for first card, $50 any additional | $250 ($0 for first two Gold, then $50) |
$99 | $149 | $99 | $95 | $99 | $99 | $199 | $0 for the first card, $50 per additional card |
| Interest Rate | 21.99% Purchase 21.99% Cash Advance | 21.99% Purchase 21.99% Cash Advance | 30% non-revolving | 20.99% Purchase 23.99% Cash Advance | 19.99% Purchase 22.99% Cash Advance | 20.99% Purchase 22.99% Cash Advance | 10.9% on Purchase and Cash Advance | 19.99% Purchase 22.99% Cash Advance | 9.99% Purchase 9.99% Cash Advance | 19.99% Purchase 22.99% Cash Advance | 19.5% |
| Foreign Transaction Fee | 2.5% | 2.5% | 2.5% | 2.5% | 2.5% | 2.5% | 2.5% | 2.5% | 0% | 2.5% | 2.5% |
| Minimum Income Requirements | N/A | N/A | N/A | $150,000 (individual) or $200,000 (household) |
$150,000 (individual) or $200,000 (household) |
$150,000 (individual) or $200,000 (household) |
$150,000 (individual) or $200,000 (household) |
$200,000 (individual or household) | $12,000 | $150,000 (individual) or $200,000 (household) |
$150,000 (individual) or $200,000 (household) |
| Current Welcome Bonus | up to 85,000 points | 60,000 points | Up to 140,000 points | 90,000 points | 90,000 points | 80,000 points | N/A | 70,000 points | 60,000 points | 75,000 points (This offer is not available for residents of Quebec. For Quebec residents, please click here.) |
N/A |
| Welcome Bonus Value (When redeemed for travel) |
$1,275 or more | $600 to $1,200 or more | $1,400 to $2,800 or more | $600 | $1,350 or more | $800 or more | N/A | $750 to $1,500 or more | $600 | $1,125 or more | N/A |
| Renewal or Additional Bonus | 1,000 Status Qualifying Miles and 1 Status Qualifying Segment for every $5,000 spend on the card | 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) | 25% extra points when you add an authorized user to your account | 1,000 Status Qualifying Miles and 1 Status Qualifying Segment for every $5,000 spend on the card | N/A | N/A | N/A | N/A | 1,000 Status Qualifying Miles and 1 Status Qualifying Segment for every $5,000 spend on the card | N/A |
| Travel Purchases Earn Rate | 3 points per dollar spent with Air Canada otherwise 1.25 points per dollar spent |
2 points per dollar spent | 2 points per dollar spent | 5 points per dollar spent^ | 2 points per dollar spent with Air Canada otherwise 1.5 points per dollar spent |
3 points per dollar spent via CIBC Rewards Centre otherwise 1.25 points per dollar | 3% back in BONUS DOLLARS | 1.25 points per dollar spent | 2 points per dollar spent | 2 points per dollar spent with Air Canada otherwise 1.5 points per dollar spent |
2 points per dollar spent via Vancity Rewards otherwise 1.25 points per dollar spent |
| Grocery Purchases Earn Rate | 1.25 points per dollar spent | 2 points per dollar spent | 1 point per dollar spent | 5 points per dollar spent^ | 1.5 points per dollar spent | 2 points per dollar spent^ | 3% back in BONUS DOLLARS | 1.25 points per dollar spent | 2 points per dollar spent | 1.5 points per dollar spent | 3 points per dollar spent |
| Dining / Food Delivery Purchases Earn Rate | 2 points per dollar spent | 1 point per dollar spent | 2 points per dollar spent | 5 points per dollar spent^ | 1.5 points per dollar spent | 2 points per dollar spent^ | 4% back in BONUS DOLLARS | 1.25 points per dollar spent | 2 points per dollar spent | 1.5 points per dollar spent | 1.5 points per dollar spent (10 points per dollar at select local businesses) |
| Entertainment Purchases Earn Rate | 1.25 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 | 2 points per dollar spent^ | 4% back in BONUS DOLLARS | 1.25 points per dollar spent | 2 points per dollar spent | 1.25 points per dollar spent | 1.5 points per dollar spent |
| Gas & Transit** Purchases Earn Rate (** May include ride share, taxi, etc.) |
1.25 points per dollar spent | 2 points per dollar spent (Gas only) | 1 point per dollar spent | 5 points per dollar spent^ (Gas only) | 1.5 points per dollar spent (Gas only) | 2 points per dollar spent^ | 4% back in BONUS DOLLARS (Alternative Transportaion only) | 1.25 points per dollar spent | 2 points per dollar spent | 1.5 points per dollar spent (Gas only) | 5 points per dollar spent on public transit & ferries otherwise 1.5 points per dollar spent |
| Drug Store Purchases Earn Rate | 1.25 points per dollar spent | 2 points per dollar spent | 1 point per dollar spent | 5 points per dollar spent^ | 1.25 points per dollar spent | 1.25 points per dollar spent | 1.75% back in BONUS DOLLARS | 1.25 points per dollar spent | 2 points per dollar spent | 1.25 points per dollar spent | 1.5 points per dollar spent (10 points per dollar at select local businesses) |
| Streaming Services | 1.25 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 | 1.25 points per dollar spent | 1.75% back in BONUS DOLLARS | 1.25 points per dollar spent | 2 points per dollar spent | 1.25 points per dollar spent | 1.5 points per dollar spent |
| Other Digital Media, Membership & Household Utility Purchases Earn Rate | 1.25 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 | 1.25 points per dollar spent | 1.75% back in BONUS DOLLARS | 1.25 points per dollar spent | 2 points per dollar spent | 1.25 points per dollar spent | 1.5 points per dollar spent (10 points per dollar at select local businesses) |
| Other Recurring Bills that are not part of the two rows above | 1.25 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 | 1.25 points per dollar spent | 1.75% back in BONUS DOLLARS | 1.25 points per dollar spent | 2 points per dollar spent | 1.25 points per dollar spent | 1.5 points per dollar spent (10 points per dollar at select local businesses) |
| All Other Purchases Earn Rate | 1.25 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 | 1.25 points per dollar spent | 1.75% back in BONUS DOLLARS | 1.25 points per dollar spent | 2 points per dollar spent | 1.25 points per dollar spent | 1.5 points per dollar spent (10 points per dollar at select local businesses) |
| ^ Annual cap on bonus category spending | N/A | N/A | N/A | $100,000 for accelerated categories | $100,000 in gross annual spending across all categories | $200,000 in gross annual spending across all categories | N/A | N/A | N/A | $100,000 in annual spending across accelerated categories | N/A |
| Value of points per $1 spent when redeemed for travel | 1.875 to 4.5 cents |
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) |
0.667 to 3.33 cents | 1.875 cents to 3 cents or more | 1.25 to 3 cents (Aventura chart value: up to 6 cents) |
1.75 cents to 4 cents | 1.25 cents | 2 cents | 1.875 cents to 3 cents or more | 1.5% to 5% (10% for the select local businesses) |
| Miles/Points deposited to | Air Canada Aeroplan | Membership Rewards | Membership Rewards | BMO Rewards | Air Canada Aeroplan | CIBC Rewards | BONUS DOLLARS Rewards | Avion Rewards | Scene+ | Air Canada Aeroplan | Vancity Rewards |
| Travel Redemption Rate | Varies | 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 | Varies | 1,000 points = $10 for any travel booked with CIBC Rewards or up to a 6% return for travel booked via the Aventura Flight Rewards Chart |
1 BONUS DOLLAR = $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) |
Varies | 100 points = $1 |
| Exchange Options | N/A | Convert points to: 6 airline programs and 2 hotel programs |
Convert points to: 6 airline programs and 2 hotel programs |
N/A | N/A | N/A | N/A | Convert points to: 4 airline programs and Hudson's Bay Rewards |
N/A | N/A | N/A |
| Cash Back Redemption Rate | N/A | 1,000 points = $10 statement credit | 1,000 points = $10 statement credit | 200 points = $1 statement credit | N/A | 4,000 points = $25 statement credit | 1 BONUS DOLLAR = $1 | 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 |
N/A | 100 points = $1 |
| Value of points per $1 spent for cash back redemptions | N/A | 1% to 2% | 1% to 3% | 0.5% to 2.5% | N/A | 0.86% to 2.07% | 1.75% to 4% | 0.73% | 1.34% to 1.4% | N/A | 1.5% to 5% (10% for the select local businesses) |
| Annual Credit | NEXUS Credit:$100 every 48 months | $100 Annual Travel Credit NEXUS Credit: $50 every 48 months |
$200 Annual Travel Credit $200 Annual dining credit NEXUS Credit:$100 every 48 months |
$200 annual lifestyle credit | NEXUS Credit:Up to $50 every 48 months | $200 annual travel credit 2 each NEXUS Credits every 4 years |
N/A | N/A | N/A | NEXUS Credit: Up to $125 every 48 months | N/A |
| Annual Companion Voucher | One Annual Worldwide Companion Pass when you spend $25,000 in net purchases prior to your Card anniversary date | No | No | No | One Annual Worldwide Companion Pass when you spend $25,000 in net purchases prior to your Card anniversary date | No | No | No | No | One Annual Worldwide Companion Pass when you spend $25,000 in net purchases prior to your Card anniversary date | No |
| Airport Lounge Access Membership | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes |
| Airport Lounge Access Annual Passes | Unlimted for Maple Leaf Lounges in North America | 4 | Unlimited | 6 | Unlimted for Maple Leaf Lounges in North America plus 6 passes for other lounges |
6 | 12 (For Desjardins Odyssey Lounge at Montréal-Trudeau Airport only) | 6 | 10 | Unlimted for Maple Leaf Lounges in North America plus 6 passes for other lounges |
6 |
| Free Global Wi-Fi | No | No | No | No | No | No | No | No | No | No | No |
| Common Carrier Travel Accident Insurance | $500,000 | $500,000 | $500,000 | $500,000 | $500,000 | $500,000 | None | $500,000 | $500,000 | $500,000 | $500,000 |
| Flight Delay Insurance | 4 hours up to $1,000 total |
4 hours $500 in total |
4 hours $1,000 per person |
4 hours $1,000 in total |
4 hours $500 per person Max $1,000 per occurence |
4 hours $500 per person / $1,000 in total |
None | 4 hours $500 per person / $1,000 in total |
4 hours $1,000 per person |
4 hours up to $1,000 in total |
4 hours up $1,000 per person |
| Delayed Baggage Insurance | 6 hours $1,000 in total |
6 hours $500 in total |
6 hours $1,000 per person |
4 hours $1,000 in total |
6 hours $500 per person Max $1,000 per occurence |
6 hours $500 per person / $1,000 in total |
4 hours $1,000 per person |
4 hours $750 per person / $3,000 in total |
4 hours $1,000 in total |
4 hours up to $1,000 per person |
4 hours up to $1,000 total |
| Lost / Stolen Baggage Insurance | $1,000 in total | $500 in total | up to $1,000 | $1,000 per person / $2,500 in total | Up to $1,000 per person Max $2,500 per occurence |
$1,000 per person / $2,500 in total | up to $2,500 per person | Up to $2,500 in total | $1,000 in total | Up to $2,500 per person |
up to $2,500 per person |
| Damaged Baggage Insurance | $1,000 in total | $500 in total | up to $1,000 | $1,000 per person / $2,500 in total | up to $1,000 per person Max $2,500 per occurence |
$1,000 per person / $2,500 in total | up to $2,500 per person | Up to $2,500 in total | None | None | None |
| Trip Cancellation Insurance | $1,500 per person up to $3,000 maximum per account | $1,500 per person up to $3,000 maxmimum per account | $2,500 per person up to $5,000 maxmimum per account | $2,500 per person up to $5,000 maxmimum per account | $2,500 per person up to $10,000 maximum per account | $2,500 per person / $10,000 in total | $2,500 per person | $2,500 per person | $2,500 per person (up to $10,000 per trip) |
$2,500 per person up to $5,000 maximum per account | $2,500 per person up to $25,000 maximum per trip |
| Trip Interruption Insurance | $1,500 per person up to $6,000 maximum per account | $1,500 per person up to $6,000 maxmimum per account | $2,500 per person up to $6,000 maxmimum per account | $5,000 per person up to $25,000 maxmimum per account | $5,000 per person up to $25,000 maximum per account | $5,000 per person (up to $25,000 per trip) |
No set maximum | $5,000 per person | $5,000 per person (up to $25,000 per trip) |
$5,000 per person up to $25,000 maximum per account | $2,500 per person up to $25,000 maximum per trip |
| Travel Medical Insurance up to 64 years old | 15 Days | 15 Days | 15 Days | 22 Days | 31 Days | 31 days | 60 days to age 59, 31 days 60-64 | 31 Days | 31 Days | 31 Days | 22 days |
| Travel Medical Insurance 65+ | None | None | None | 3 Days | 10 days | 10 days | 15 days to age 75 | 7 Days | 10 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 $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 $85,000 MSRP |
48 Days Up to $85,000 MSRP |
| Hotel / Motel Burglary Insurance | Up to $1,000 | Up to $500 | Up to $1,000 | Yes Up to $2,500 |
Up to $2,500 per occurence | Up to $2,500 | None | Up to $3,000 | Up to $1,000 | Up to $2,500 per occurence | None |
| Purchase Protection | 90 Days up to $1,000 per occurrence |
90 Days up to $1,000 per occurrence |
120 Days up to $1,000 per occurrence |
120 Days Up to $60,000 lifetime |
180 Days Up to $60,000 lifetime |
180 days Up to $60,000 lifetime | 180 days Up to $50,000 per year | 120 Days Up to $50,000 annually | 120 Days Up to $60,000 lifetime | 120 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 | Yes |
| Extended Warranty Plan | Up to 1 extra year | Up to 1 extra year | Up to 1 extra year | Up to 2 extra years | Up to 2 extra years | Up to 2 extra years | Up to 2 extra years | Up to 2 extra years | Up to 2 extra years | Up to 2 extra years | Up to 1 extra year |
| Mobile Device Insurance | None | None | None | Up to $1,000 | Up to $1,000 | Up to $1,500 | Up to $1,500 | Up to $1,500 | Up to $1,000 | Up to $1,500 | 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
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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
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TD
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