American Express Cobalt Card

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!

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American Express Gold Rewards Card

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.

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WestJet RBC World Elite Mastercard

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.

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Marriott Bonvoy™ American Express® Card

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.

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RBC Visa Infinite Avion

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Top Cards by Category

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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.

Recommended reading and related articles:

• Rewards Canada's Ultimate Credit Card Portfolios
• Why proprietary credit card reward programs are the best option for most Canadians
• Rewards Canada's Guide to Business Class Lounge Access
• Not all Travel Points and Hybrid Credit Cards are created equal
• The True Value in Reward Redemptions

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