Welcome
to Rewards Canada's 12th annual Canada's Top Travel Rewards Credit
Cards feature.
Canada's original travel rewards credit card rankings!
2020 will be a big year for travel rewards credit and charge cards. With the anticipated update to Aeroplan from Air Canada this summer we are seeing card issuers up their game with better limited time sign up offers to acquire customers and trying to hold their own against whatever Air Canada may reveal. Ever since the whole Aeroplan saga began in 2017 we've been saying it will be good for the consumer as the competition will heat up and that is really appears to be the case in the world of credit card rewards. There aren't any huge changes to the list for 2020 as it is the calm before the storm. We highly anticipate the 2021 rankings looking quite different!
This year we've updated the format of the rankings page - we're pretty much getting straight into them without our whole classification and reasoning process listed here. It's a short story in it's own right and we still have it, just on another page. You can read the factors behind the ranking details right here. If your not interested in that, great!
NEW LIMITED TIME INCREASED WELCOME BONUS OF 45,000 POINTS!
Apply by May 5, 2021
Taking the top spot for the third year in a row the American Express Cobalt card has competitors clawing at it but its unmatched value and flexibility keeps this card on top. The card provides up to a 5% return towards any travel bookings, up to a 10% return if you utilize Amex's Fixed Points for Travel program and you can convert the points to hotel programs like Marriott Bonvoy which can then in turn be transferred to over 40 airline loyalty programs. Like we said - it is unmatched in providing value and flexibility to such a wide range of Canadian travellers!
Now running in the shadows of the Cobalt Card, this long time front running card still provides the utmost in travel rewards flexibility with a nice sign up bonus of 25,000 points, strong insurance and more. You may ask why get the Gold Rewards Card over the Cobalt Card? The direct conversion to Aeroplan or British Airways and if you spend lots on travel or at drug stores are the main reasons why.
WestJet's continued expansion sees more and more destinations that you can use your WestJet dollars to fly to. Plus you can redeem your dollars for flights on Air France, Delta, KLM, and Qantas to almost all corners of the globe. Add in benefits like the annual companion flight, first checked bag free and lots more and you can see why this card is one of the best in Canada.
This is the card the Rewards Canada family pulls out of our wallets for purchases where we don't earn bonuses with other cards. The two Bonvoy points per dollar are worth at least 2 cents but in many cases can be worth much more than that. Add in the free night stay on the card anniversary and the ability to convert to 40+ airline frequent flyer programs at favourable rates makes this card a travellers dream.
Still one of the most popular cards in Canada, the Avion card provides a high level of flexibility but you do have to know how to work this card to pull the maximum value out of it. Lots of its competitors are easier to use but by having the option to book any travel or convert points to airlines like British Airways, Cathay Pacific, American and WestJet make this a top 5 card overall.
A Travel Points Credit Card earns points that can be used to book
travel via that credit cards travel agency, associated reward program
or select cards give you the ability to book travel how you want and use those
points towards the charge on your account
A no fee travel rewards credit card can have any type of travel rewards attached to it (travel points, airline miles, coalition program etc.) and has no annual fees attached to it as a standard feature. This category does not include cards that may waive annual fees in the first year of ownership or if you hold specific bank accounts that provide fee waivers.
A Hybrid card is a combination of an airline and/or hotel card and a travel points card. You can convert your points to airline and/or hotel frequent travel programs or use the points to book travel via the credit card's travel agency or with some cards to book travel how you want and then redeem the points against the charge on your account
An airline credit card earns miles directly into that airline's frequent flyer program
A coalition program credit card earns points or miles directly into a single program that has lots of earning and redemption options. In Canada these are programs like Aeroplan, AIR MILES, More Rewards, and Scene.
Expanded details for the top 5 cards in each category
Click on 'Show All' to the right to see the five cards in each category
Details on the Top Travel Points Credit Cards (with annual fee)
What is a Travel Points Credit Card?
A Travel Points Credit Card earns points that can be used to book
travel via that credit cards travel agency, associated reward program
or select cards give you the ability to book travel how you want and use those
points towards the charge on your account
2024 Top Travel Points Credit Card with an annual fee | 2024 Top No Foreign Transaction Fee Credit Card
Earn up to $900* in value in the first 12 months, including up to 45,000 bonus Scene+ points¹ and your first year annual fee waived. Offer ends Jan 2, 2025
Bonus offer broken down as follows:
- Earn 25,000 bonus Scene+ Rewards points by making at least $1,000 in everyday eligible purchases in your first 3 months.
- Earn 20,000 bonus Scene+ Rewards points when you spend $7,500 within your first 12 months
- Plus pay no annual fee in the first
You will not pay 2.5% foreign transaction fees on any foreign currency purchases, including online shopping and when travelling abroad. Only the exchange rate applies
You’ll earn 6X Scene+ points for each $1 CAD charged to your account on all eligible purchases1 at Sobeys, IGA, Safeway, Foodland, FreshCo, Voilà by Sobeys, Voilà by IGA, Voilà by Safeway, Chalo! FreshCo, Thrifty Foods, IGA West, Les Marchés Tradition, Rachelle Béry and Co-Op.
Earn 5X Scene+ points for every $1 CAD spent on eligible grocery stores, restaurants, fast food, and drinking establishments. Includes popular food delivery and food subscriptions
Earn 3X Scene+ points for every $1 CAD spent on eligible gas and daily transit. Includes rideshare, buses, taxis, subway, and more
Earn 3X Scene+ point2 for every $1 CAD you spend in Canada on eligible select streaming services.
Earn 1X Scene+ point for every $1 spent on every other purchase
Complimentary Concierge Services 24/7
Amex exclusive benefits (Front Of The Line)
Use your points to purchase travel online or over the phone through our full-service travel agency. Or book your own travel using your card and go online to redeem points for the purchase.
Receive up to 25% off qualifying car rentals
Travel emergency medical coverage is automatically provided for eligible persons for up to 25 consecutive days
*See Card Provider's website and Card Application for complete card details, terms and current offers. Reasonable efforts are made to maintain accuracy of information
Canada's Choice for Top No Foreign Transaction Fee Rewards Credit Card 2023
Earn up to $1,000+ in value in the first 12 months, including up to 35,000 bonus Scene+ points¹ and first year annual fee waived¹. Offer ends Jan 2, 2025
Annual Fee: $150 | Additional Cards: $0 for first card $50 for each additional | Minimum Income $60,000
Terms & Conditions apply
Bonus offer broken down as follows:
- Earn 25,000 bonus Scene+ Rewards points by making at least $1,000 in everyday eligible purchases in your first 3 months.
- Plus, as a Scotiabank Passport Visa Infinite cardholder, you are eligible to earn an annual 10,000 Scene+ Rewards point bonus when you spend at least $40,000 in everyday net eligible purchases annually.
- $150 primary card fee waiver for the first year
You’ll earn 3X Scene+ points for each dollar charged to your account on all eligible purchases1 at Sobeys, IGA, Safeway, Foodland, FreshCo, Voilà by Sobeys, Voilà by IGA, Voilà by Safeway, Chalo! FreshCo, Thrifty Foods, IGA West, Les Marchés Tradition, Rachelle Béry and Co-Op.
Earn 2x Scene+ Rewards® points on every $1 you spend on eligible grocery stores, dining, entertainment purchases and daily transit purchases (including buses, subways, taxis and more)
*See Card Provider's website and Card Application for complete card details, terms and current offers. Reasonable efforts are made to maintain accuracy of information. Rates, fees and other information are effective as of Jan.4, 2024. Subject to change.
Welcome Offer: Join and get up $1,300 in value including a first year annual fee rebate!†
Annual Fee $139 | Additional Cards (Up to 3): $50 | Annual interest rate 20.99%† on purchases and 22.99%† on cash advances and 22.99% † on balance transfers |
$60,000 personal or $100,000 household annual income †
Terms & Conditions apply
Here's how You can get up to $1,300 in value:
Get a total of up to 35,000 Aventura Points (up to $800 in travel value†) during your first year:
15,000 Aventura Points when you make your first purchase†
20,000 Aventura Points when you spend $3,000 or more in net purchases in the first 4 monthly statement periods†
Get a one-time annual fee rebate ($139) for you (the primary cardholder) and up to three authorized users ($50 each): up to $189 value.†
Elevate your airport experience with 4 complimentary visits at 1,200+ lounges globally through Visa Airport Companion Program: up to $261 in value.†
Plus, get a NEXUS◊ Application Fee rebate†: A $67 value†
2 Points for every $1 spent on travel purchased through the CIBC Rewards Centre†
1.5 Points for every $1 spent at eligible gas stations, EV charging, grocery stores and drug stores†
1 Point for every $1 spent on all other purchases†
Save on gas with CIBC and Journie Rewards
Link and use your CIBC Aventura Visa Infinite Card with Journie Rewards to save up to 10 cents per litre† at participating Pioneer, Fas Gas, Ultramar and Chevron gas stations.†
Plus, enjoy extra valuable travel benefits
Travel when it’s right for you – your Aventura Points don’t expire
Redeem your Aventura Points for more than travel with our Shop With Points/Pay with Points features
Travel local - Aventura Points can be redeemed for more than just flights – use your points for hotels and car rentals for a weekend getaway
This offer is not available for residents of Quebec.
This is a digital-exclusive offer.†
To be eligible for this offer:
1) this offer must have been directly communicated to you from CIBC or from a partner/affiliate; and
2) you must apply for the eligible card through the link provided in the CIBC or partner/affiliate communication to you.†
This offer is reserved for you. Please do not forward it to anyone else.
CIBC may approve your application, but you are not eligible to receive this Offer if you have opened, transferred or cancelled another Aventura card within the last 12 months.†
† Terms & Conditions Apply. The information for the CIBC Aventura® Visa Infinite* Card has been collected independently by Rewards Canada. The card details on this page have not been reviewed or provided by the card issuer.
Earn up to $1,000 in value†, including up to 135,000 TD Rewards Points, no Annual Fee for the first year† and additional travel benefits.
Conditions Apply. Account must be approved by January 6, 2025.
Annual Fee: $139 | Additional Cards: $50 † |
Annual interest rate 20.99% on purchases and 22.99% on funds advances | $60,000 personal or $100,000 household annual income
Terms & Conditions apply
Earn up to $1,000 in value†, including up to 135,000 TD Rewards Points, no Annual Fee for the first year† and additional travel benefits. Conditions Apply. Account must be approved by January 6, 2025.
Earn a welcome Bonus of 20,000 TD Rewards Points when you make your first Purchase with your Card†.
Earn 115,000 TD Rewards Points when you spend $5,000 within 180 days of Account opening†.
Earn a Birthday Bonus of 10% of the TD Rewards Points you have earned over the past year, up to a maximum of 10,000 TD Rewards points†
Get an annual TD Travel Credit† of $100 when you book at Expedia® For TD.
Get an Annual Fee Rebate for the first year†.
To receive the first-year annual fee rebate, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening and you must add your Additional Cardholders by January 6, 2025.
Earn 8 TD Rewards Points† for every $1 you spend when you book travel through Expedia® For TD†
Earn 6 TD Rewards Points† for every $1 you spend on Groceries and Restaurants†.
Earn 4 TD Rewards Points† for every $1 you spend on regularly recurring bill payments set up on your Account†
Earn 2 TD Rewards Points For every $1 you spend on other Purchases made using your Card† plus earn an annual Birthday Bonus† of up to 10,000 TD Rewards Points
Your TD Points don’t expire as long as you are a TD First Class Travel Visa Infinite* Cardholder
An extensive suite of travel insurance coverages which helps you travel prepared
No travel blackouts†, no seat restrictions† and no expiry† for your TD Rewards Points as long as your account is open and in good standing.
Redeem your TD Rewards Points towards making purchases at Amazon.ca with Amazon Shop with Points. Conditions apply. See more details.
This offer is not available for residents of Quebec. For Quebec residents, please click here.
† 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.
What is a No Fee Travel Rewards Credit Card?
A no fee travel rewards credit card can have any type of travel rewards attached to it (travel points, airline miles, coalition program etc.) and has no annual fees attached to it as a standard feature. This category does not include cards that may waive annual fees in the first year of ownership or if you hold specific bank accounts that provide fee waivers.
5,000 bonus points†† ($25 in cash back value) after you make $500 or more in eligible purchases within the first 90 days of your account opening.
5,000 bonus points†† ($25 in cash back value) once enrolled for paperless e-statements within the first 90 days of account opening.
$0 annual fee | $0 Additional Card
Terms & Conditions apply
Earn 4 points†† for every $1 spent on eligible restaurant, grocery, digital media, membership and household utility purchases during the first 90 days, and 2 points‡ for every $1 spent on eligible purchases in those categories thereafter – in both cases, these earn rates apply until $10,000 is spent annually in the applicable category. 1 point‡ for every $1 spent on all other eligible purchases.
Each year, you will receive Birthday Bonus Points‡ equal to 10% of the total number of Points earned in the 12 months before the month of your birthday, to a maximum Birthday Bonus each year of 10,000 Points.
Redeem points‡ for cash back, brand-name merchandise, gift cards from participating retailers, charitable donations, and travel.
Standard Annual Interest Rates of 19.99% on purchases, 22.99% on balance transfers✪ and 24.99% on cash advances.
Mobile Device Insurance***
With Mobile Device Insurance, you’ve got up to $1,000 in coverage for eligible mobile devices in the event of loss, theft, accidental damage or mechanical breakdown.
No annual fee.
This offer is not available for residents of Quebec. For residents of Quebec, please click here.
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..
2019: 1st
2018: 4th
2017: Out of the top 5
2019: 2
2018: 5
The following rankings were in the hotel category
2017: 3
2016: 3
2015: 4
2014: 5
2013: 5
2012: 4
2011: 4
2010: 3
Earn up to 2,500 Aventura Points† for no annual fee.
Annual Fee $0 | Additional Cards (Up to 3): $0 |
Annual interest rate 20.99%† on purchases and 22.99%† on cash advances and 22.99% † on balance transfers
| $15,000 household annual income
Terms & Conditions apply
Get 500 Aventura Points for completing each of the activities below within 60 days of your CIBC Aventura® Visa* card account approval †:
Share your email address with CIBC
Sign up for eStatements for your new Aventura Visa card
Add an authorized user on your new Aventura Visa card
Hold any eligible CIBC Chequing Account
Add your Aventura Visa card with Apple Pay® or Samsung Pay® or Google Pay™
1 Point for every $1 spent on travel purchased through the CIBC Rewards Centre†
1 Point for every $1 spent at eligible gas stations, EV charging, grocery stores and drug stores†
1 Point for every $2 spent on all other purchases†
Save on gas with CIBC and Journie Rewards
Link and use your CIBC Aventura Visa Card with Journie Rewards to save up to 10 cents per litre† at participating Pioneer, Fas Gas, Ultramar and Chevron gas stations.†
Plus, enjoy extra valuable travel benefits
Travel when it’s right for you – your Aventura Points don’t expire†
Redeem your Aventura Points for more than travel with our Shop With Points/Pay with Points features†
Travel local - Aventura Points can be redeemed for more than just flights – use your Points for hotels and car rentals for a weekend getaway
This offer is not available for residents of Quebec.
This is a digital-exclusive offer.†
To be eligible for this offer:
1) this offer must have been directly communicated to you from CIBC or from a partner/affiliate; and
2) you must apply for the eligible card through the link provided in the CIBC or partner/affiliate communication to you.†
This offer is reserved for you. Please do not forward it to anyone else.
CIBC may approve your application, but you are not eligible to receive this Offer if you have opened, transferred or cancelled another Aventura card within the last 12 months.†
† Terms & Conditions Apply. The information for the CIBC Aventura® Visa* Card has been collected independently by Rewards Canada. The card details on this page have not been reviewed or provided by the card issuer.
2019: 3
2018: Not in the top 5
2019: Not in the top 5
2019: Not in the top 5
2018: Not in the top 5
2017: Not in the top 5
2016: 5
2015: 5
2014: 5
2013: 5
See here for the rest of the travel rewards credit cards with no annual fee that were considered for this years rankings
Details on the Top Hybrid Credit / Charge Cards (with annual fee)
What is a Hybrid Credit Card?
A Hybrid card is a combination of an airline and/or hotel card and a travel points card. You can convert your points to airline and/or hotel frequent travel programs or use the points to book travel via the credit card's travel agency or with some cards to book travel how you want and then redeem the points against the charge on your account
2024 Top Overall Travel Rewards Card | 2024 Top Hybrid Travel Rewards Card
In your first year as a new Cobalt Cardmember, you can earn 1,250 Membership Rewards® points for each monthly billing period in which you spend $750 in net purchases on your Card. This could add up to 15,000 points in a year. That’s up to $150 towards a weekend getaway or concert tickets
Monthly Fee $12.99/month of Cardmembership ($155.88 annually) | Additional Cards: $0 | Annual interest rate 21.99% on purchases and 21.99% on funds advances
Terms & Conditions apply
Earn 5x the points on eligible eats and drinks in Canada, including groceries and food delivery. Spend cap applies.
Earn 3x the points on eligible streaming subscriptions in Canada
Earn 2x the points on eligible ride shares, transit & gas in Canada
Earn 1 additional point on eligible hotel and car rental bookings via American Express Travel Online
Earn 1x point for every $1 in Card purchases everywhere else
Enjoy access to hotel bookings, a room upgrade (when available), 12pm check-in and late check-out (when available), and up to $100 USD hotel credit to use on amenities when charged to the room for a stay of 2 or more consecutive nights through The Hotel Collection from American Express Travel
Transfer points 1:1 to several frequent flyer and other loyalty programs
Cobalt Cardmembers receive regular Perks such as bonus reward offers and access to great events
Access Front Of The Line® Amex Presale & Reserved Tickets to some of your favourite concerts and theatre performances and special offers and events curated for Cardmembers with Amex ExperiencesTM
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. If you apply and get approved for an American Express Card, (I/we) may receive compensation from American Express, which can be in the form of monetary payment
Ranked the 3rd best overall travel rewards credit card in Canada Earn up to 60,000 Membership Rewards® points
New American Express® Gold Rewards Cardmembers, earn 5,000 Membership Rewards® points for each monthly billing period in which you spend $1,000 in net purchases on your Card
This could add up to 60,000 points in a year. That’s up to $600 towards your next vacation.
Annual Fee: $250 | Additional Card Fee: $0 for first additional a card, $50 for all others
| Annual interest rate 21.99% on purchases and 21.99% on funds advances; Missed payment applicable rates, 25.99% - 28.99% Variable
Terms & Conditions apply
Earn 2 points for every $1 in Card purchases for eligible travel purchases, including flights, hotels, car rentals, cruises, and more
Earn 2 points for every $1 in Card purchases at eligible gas stations, grocery stores and drugstores in Canada, and 1 point for every $1 in Card purchases everywhere else
The Card is now available in your choice of Gold or Rose Gold metal options
Receive a $50 CAD statement credit when a NEXUS application or renewal fee is charged to your American Express Gold Rewards Card
You have access to an annual $100 CAD Travel Credit, compliments of your American Express Gold Rewards Card. Use the credit once annually towards any single travel booking of $100 or more charged to your Gold Rewards Card through American Express Travel Online
As a Gold Rewards Cardmember, you can receive complimentary membership in Priority PassTM – one of the world’s largest independent airport lounge programs. Escape the chaos of airports and relax in an oasis of calm and simply enjoy the fact that the travel experience has begun before your plane has even left the ground. Enrollment is required and entry fees apply
Enjoy four (4) complimentary visits per Calendar year to Plaza Premium Lounges across Canada. Entry fees apply once complimentary visits have been used
Charge any eligible purchase to your credit Card then log in to redeem your earned points for a statement credit
Transfer points 1:1 to several frequent flyer and other loyalty programs
1 Free Additional Gold Rewards Card (a $50 value) to help you earn points faster
Subject to approval. The preferred rate for purchases is 21.99% and funds advances is 21.99%. If you have Missed Payments, the applicable rates for your account will be 25.99% and/or 28.99%. See the information box included with the application for the definition of Missed Payment and which rates apply to charges on your account and other details
*American Express is not responsible for maintaining of monitoring the accuracy of information on this website. For full details and current product information click the Apply now link. Conditions apply.
Get up to 55,000 Avion points* (a value of up to $1,100†), that’s enough to fly anywhere in North America or the Caribbean!
Annual Fee: $120 | Additional Card Fee: $50 | 20.99% on purchases 22.99%* on cash advances and balance transfers *21.99% if you reside in Quebec.
Terms & Conditions apply
Get 35,000 Welcome Points on approval* and 20,000 points when you spend $5,000 within the first 6 months of card opening
Earn 1 Avion point for every dollar you spend* and an extra 25% on eligible travel purchases.
When you are ready to travel again, Avioners can book flights with points on any airline, on any flight, at any time, early or last minute, with no blackout periods or restrictions.
Avioners earn points that never expire so your points will be waiting for your next adventure.
Redeem your points for travel and more. Use points for anything from paying bills and paying your card balance to redeeming for Gift Cards and Merchandise at top brands like Apple. The Avion Rewards program gives you the freedom of choice to use your points your way, and helps you make the most as an Avioner.
Eligible Avion Rewards members can also convert points to other loyalty programs including WestJet dollars, British Airways Avios points and Hudson’s Bay Rewards points.
Link your RBC card with a Petro-Points membership to instantly save 3₵ per litre on fuel at Petro-Canada stations and earn 20% more Petro-Points and 20% more Avion rewards points
Link your RBC card with a Rexall Be Well account and get 50 Be Well points for every $1 spent on eligible products at Rexall. Redeem Be Well points faster for savings in store on eligible purchases where 25,000 Be Well points = $10
Get access to RBC offers which provides access to earn points faster at specified brands
Extensive insurance including: mobile device insurance, travel insurance (trip cancellation, interruption and emergency medical) and other eligible purchases to protect you and your family
Avioners get access to luxury Visa Infinite benefits including first in line for exclusive events, and hotel and dining benefits.
Avioners no longer need 14-days to book travel using the RBC grid
Up to a 2.3% return on your spending depending on which reward ticket you book
Unwritten ability to redeem for Business Class tickets although at a lower rate of return when compared to the Avion Reward chart
Get $0 delivery fees for 12 months from DoorDash17 - Add your eligible RBC credit card to your DoorDash account to:
• Get a 12-month complimentary DashPass subscription18 – a value of almost $120
• Enjoy unlimited deliveries with $0 delivery fees on orders of $15 or more when you pay with your eligible RBC credit card
Corresponding legal references and product terms are available on the RBC website, which will be available and agreed upon in the customer onboarding process.
2024 Top Ultra Premium Credit Card in Canada Earn up to 140,000 Membership Rewards® points - that’s up to $1,400 towards a weekend away. Offer ends Jan 28, 2025
Annual Fee: $799 | Additional Card Fee: $250 for Platinum, $0 for Gold (First 2 Cards) then $50 each
Terms & Conditions apply
New Platinum® Cardmembers, earn 100,000 Welcome Bonus points after you charge $10,000 in net purchases to your Card in your first 3 months of Cardmembership. Offer ends Jan 28, 2025
Plus, earn 40,000 points when you make a purchase between 14 and 17 months of Cardmembership. Offer ends Jan 28, 2025
Earn 2 points for every $1 in Card purchases on eligible dining and food delivery in Canada, 2 points for every $1 in Card purchases on eligible travel, and 1 point for every $1 in all other Card purchases
Access a $200 Annual Travel Credit through American Express Travel Online or Platinum® Card Travel Service
Enjoy a $200 Annual Dining Credit at some of Canada’s best restaurants
Unlock $200 or more in additional value with Member extras. You can earn statement credits for qualifying purchases with participating brands
Take full advantage of The American Express Global Lounge CollectionTM which unlocks access to over 1,400 airport lounges worldwide. This includes The Centurion® Lounge network, Plaza Premium Lounges, and hundreds of other domestic and international lounges designed to enhance your travel experience
Enjoy flexible ways to use your points such as statement credits for any eligible purchase charged to your Card, new travel purchases booked on American Express Travel Online through the Flexible Points Travel Program, and eligible flights through the Fixed Points Travel Program
Transfer points 1:1 to several frequent flyer and other loyalty programs
Enjoy complimentary benefits that offer an average value of $600 USD at over 1,500 extraordinary properties worldwide when you book Fine Hotels + Resorts
Platinum Cardmembers can enjoy access to special events and unique opportunities
Enjoy premium benefits at the Toronto Pearson Airport
You will also have access to many leading hotel and car rental companies’ loyalty programs. Our partners include Marriott International, Hilton Hotels and Resorts, Hertz and Avis
Interest applies in accordance with your Cardmember Agreement, Information Box, and Disclosure statement if the total New Balance is not paid by the Payment Due Date each month. All payments must be received by the Payment Due Date shown on the monthly statement
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. If you apply and get approved for an American Express Card, (I/we) may receive compensation from American Express, which can be in the form of monetary payment
Top No Foreign Transaction Fee Credit Card for 2023
Primary Cardholder Annual Fee: $149 (1st year annual fee rebate*) | Authorized User Annual Fee: $0 Per Card | Annual interest rate: 20.99% on purchases and 22.99% on cash advances and balance transfers. | $80,000 personal or $150,000 household annual income
This card has been closed to new applications
•
Receive a $100 annual travel enhancement credit*
• With the HSBC World Elite Mastercard you earn 6 points for $1 in Net Purchases which are Travel Purchases, 4 Points for $1 in Net Purchases that are Gas, Grocery and Drugstore Purchases and 2 Points for $1 in Net Purchases, other than Travel, Gas, Grocery and Drugstore Purchases.
• Save on all your foreign currency purchases (even online) with no additional foreign currency conversion charges.
• Enjoy maximum flexibility and redeem your Points on your terms for:
• Travel
• Gift cards and valuable merchandise
• Financial rewards
• Rewards for miles
*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)
2019: 4
See here for the rest of the Hybrid travel rewards credit / charge cards with an annual fee that were considered for this years rankings
What is a Coalition Program Credit Card?
A coalition program credit card earns points or miles directly into a single program that has lots of earning and redemption options. In Canada these are programs like Aeroplan, AIR MILES, More Rewards, and Scene.
2024 Top Airline Credit Card Earn up to $1,500 in value† including up to 50,000 Aeroplan points† and no Annual Fee for the first year†. Conditions Apply. Account must be approved by January 6, 2025.
Annual Fee $139 | Additional Cards: $75 † | Annual interest rate 20.99% on purchases and 22.99% on funds advances | $60,000 personal or $100,000 household annual income
Terms & Conditions apply
Earn up to $1,500 in value†, including up to 50,000 Aeroplan points†, no Annual Fee for the first year† and additional travel benefits. Account must be approved by January 6, 2025.
Earn a welcome bonus of 10,000 Aeroplan points when you make your first purchase with your new card†
Earn 15,000 Aeroplan points when you spend $7,500 within 180 days of Account opening†
Plus, earn a one-time anniversary bonus of 25,000 Aeroplan points when you spend $12,000 within 12 months of Account opening†
Enroll for NEXUS and once every 48 months get an application fee rebate†
Plus, share free first checked bags with up to 8 travel companions†
Get an annual fee rebate for the first year†. To receive the first-year annual fee rebate, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening and you must add your Additional Cardholders by January 6, 2025.
Earning Aeroplan Points
Earn 1.5 points† for every $1 spent on eligible gas, grocery and direct through Air Canada® purchases (including Air Canada Vacations®) made with your card
Earn 1 point† for every $1 spent on all other Purchases made with your Card
Earn points twice when you pay with your Card and provide your Aeroplan number at over 150 Aeroplan partner brands and at 170+ online retailers via the Aeroplan eStore (www.aeroplan.com/estore).
Your Aeroplan Points do not expire as long as you are a TD® Aeroplan® Visa Infinite* Cardholder in good standing
Earn big rewards on the little things: Earn 50% more Aeroplan Points and 50% more Stars at participating Starbucks® stores. Simply link your TD Aeroplan Visa Infinite Card to your Starbucks® Rewards account. Conditions apply. Learn more.
Card Benefits
Travel lightly through the airport and save on baggage fees† : Primary Cardholders, Additional Cardholders, and travel companions (up to eight) travelling on the same reservation will all enjoy their first checked bag free (up to 23kg/50lbs) when your travel originates on an Air Canada flight.
Complimentary Visa Infinite Concierge† : On-call 24 hours a day, seven days a week, the Visa Infinite Concierge can help with any Cardholder request — big or small, to help you get the most out of life whenever you travel, shop and use your Card.
Visa Infinite Luxury Hotel Collection†: Receive seven exclusive benefits when you book your stay through the Visa Infinite Luxury Hotel Collection featuring over 900 of the world’s most intriguing properties.
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.
Welcome Offer: Get 2,000 AIR MILES Bonus Miles! That’s enough for $210 towards your purchases with AIR MILES Cash! Plus, get the $120 annual fee waived for the first year
Earn over 10x faster than other AIR MILES collectors:
Get 3x the Miles for every $12 spent at participating AIR MILES Reward Partners* and 2x the Miles for every $12 spent at any eligible grocery store*
2x the Miles for every $12 spent at any eligible wholesale clubs, membership-based retailers and alcohol retailers*
Earn 1 reward mile for every $12 in credit card purchases, everywhere you spend*
Plus, you now have the flexibility to move your Miles between Cash and Dream with our new Transfer Miles feature, so if you want to turn your Cash Miles into a dream vacation, go for it!
Enjoy a 7¢/L discount on Shell V-Power®± premium fuel and 2¢/L on all other Shell fuel every time you fuel up!
Complimentary membership in Mastercard Travel Pass provided by DragonPass.*
Use less Miles with our exclusive 25% discount on one worldwide AIR MILES flight redemption during the calendar year.*
BMO AIR MILES World Elite Travel and Medical Protection*
Unlock Mastercard Travel Rewards cashback offers when you travel and shop outside of Canada
*Terms and conditions apply
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
2019: 3
2018: 3
2017: Out of the rankings
2019: Out of the top 5
2018: Out of the top 5
See here for the rest of the coalition credit cards that were considered for this years rankings
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Disclaimers:
Our goal at RewardsCanada.ca is to present readers with reliable financial advice and product choices that will help you achieve your financial goals.
Rewards Canada receives compensation from some companies issuing financial products, like credit cards and bank accounts, that appear on this site.
Unless a post is clearly marked “Sponsored”, however, products mentioned in editorial articles and reviews are based on the author’s subjective assessment of their value to readers, not compensation. For full details and current product information click the Apply now link / learn more link.
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 information on this TD credit card, please click on the Apply Now button.
