Canada's Top Travel Rewards Credit Cards for 2020 
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!
Want to learn more? Listen to the Rewards Canada Podcast Episode 64 where we go into details for the 2020 rankings!
Without further ado here are the rankings:
Top 5 Cards Overall |
 |
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! |
2nd |
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. |
3rd |
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. |
4th |
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. |
5th |
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. |
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
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
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2019: 2
2018: 1
2017: 2
2016: 3
2015: 3
2014: 3
2013: 2
2012: N/A
2011: N/A
2010: N/A |
Scotiabank Passport Visa Infinite Card |
Scotiabank Passport Visa Infinite card
Annual Fee: $139 Additional Cards: $0 for first card $50 for each additional
Minimum Income $60,000
• Earn up to 35,000 bonus Scotia Rewards points in your first year (that’s up to $350 towards travel )‡
• Earn 2x Scotia Rewards® points on every $1 you spend on eligible grocery stores, dining, entertainment purchases and daily transit purchases (including buses, subways, taxis and more)
• Enjoy no FX Mark-up
• Enjoy Complimentary Airport Lounge Access, plus 6 free lounge visits per year
• Rates, fees and other information are effective as of Sep 1, 2020. Subject to change.
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|
2019: 1 |
CIBC Aventura® Visa Infinite* Card |
CIBC Aventura® Visa Infinite* Card
Annual Fee $120 Additional Cards (Up to 3): $50
Annual interest rate 19.99%† on purchases and 22.99%† on cash advances
$60,000 personal or $100,000 household annual income †
Welcome Offer: Earn up to 20,000 Aventura Points† Plus, get a first year annual fee rebate†!
Here’s How:
• Get 15,000 Aventura Points when you make your first purchase†
• Get 5,000 bonus Aventura Points when you spend $3,000 or more during the first 4 monthly statement periods†
• 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, grocery stores and drug stores†
• 1 point for every $1 spent on all other purchases†
Plus, enjoy extra valuable travel benefits†
• Enjoy a Priority Pass Membership and 4 complimentary visits per year at 1,300+ airport lounges†: over $200 value†!
• NEXUS◊ Application Fee rebate†: A $50 value†!
†Conditions Apply
Insurance coverage(s) included with CIBC credit cards are underwritten by Royal & Sun Alliance Insurance Company of Canada. You may contact the insurer at 1 866 363-3338 in Canada and the U.S or collect from elsewhere at 905 403-3338 or visit cibccentre.rsagroup.ca. Some insurance coverage(s) require purchase(s), common carrier fares, accommodations and other trip costs to be charged to the card to activate coverage. Other conditions may apply. For important information regarding coverage, eligibility requirements, benefits, pre-existing health/medical conditions, limitations and exclusions, see cibc.com/ca/credit-card/agreements-insurance.html and the insurance certificate(s) in your card package.
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2019: 4
2018: 5
2017: 5
2016: 5
2015: 5
2014: 5
2013: N/A
2012: N/A
2011: N/A
2010: 2 in Hybrid |
|
2019: 3
2018: 3
2017: 3
2016: 2
2015: 1
2014: 2
2013: 5
2012: 4
2011: 3
2010: 3 |
TD® First Class Travel® Visa Infinite* Card |
TD® First Class Travel® Visa Infinite* Card
Annual Fee: $120 Additional Cards: $502
Annual interest rate 19.99% on purchases and 22.99% on funds advances
$60,000 personal or $100,000 household annual income
Earn up to of 60,000 TD Points1 (a travel value of $300+) Plus, first year no Annual Fee for the Primary and Additional Cardholders1. Conditions Apply. Must apply by November 7, 2020.
This offer is not available for residents of Quebec. For Quebec residents, please click here
Apply by November 7, 2020 to get a full Annual Fee Rebate1 for the Primary and Additional Cardholders for the first year and up to 60,000 TD Points1 (a travel value of $300 when you book travel purchases through ExpediaForTD.com+) as follows:
Welcome Bonus of 20,000 TD Points when you make your first Purchase with your Card1 .
+
40,000 TD Points when you spend $1,500 within 90 days of Account opening1.
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.
• Redeem TD Points for travel and travel-related purchases3
• Also redeem4 TD Points for retail merchandise and gift cards, or for a cash credit to your Account
• No travel blackouts5, no seat restrictions5 and no expiry6 for your TD Points
• An extensive suite of travel insurance
• Earn 9 TD Points9 when you book travel online through Expedia® For TD8
• Earn 3 TD Points for every $1 you spend on Purchases made using your Card10
• Your TD Points don’t expire as long as you are a TD First Class Travel Visa Infinite* Cardholder
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.
+ Every 200 TD Points redeemed are worth $1 in travel savings off the cost of Travel Purchases made through Expedia For TD. Redemptions can only be made in 200 TD Points increments.
1 Must apply by November 7, 2020. Welcome Bonus of 20,000 TD Points will be awarded to the TD First Class Travel® Visa Infinite* ("Account") only after the first Purchase is made on the Account. For Residents outside of Quebec: To receive the additional 40,000 TD Points, you must make $1,500 in Purchases on your Account, including your first Purchase, within 90 days of Account opening. For Quebec Residents only: To receive the additional 40,000 TD Points, you must keep your Account open, active and in good standing for 90 days after Account opening. For all Accounts: Rebate of the Annual Fee is only for the first year for the Primary Cardholder and the 1st Additional Cardholder added to the Account. 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. To receive the 1st Additional Cardholder Annual Fee Rebate you must add your first Additional Cardholder by November 8, 2020. Annual Fee Rebate will be applied within 2 monthly statements from the date of the statement with the first Annual Fee charge. The Primary Cardholder is responsible for all charges to the Account, including those made by any Additional Cardholder. Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer unless otherwise indicated. This offer is not available customers who have activated and/or closed a TD First Class Travel® Visa Infinite* Account in the last 6 months. We reserve the right to limit the number of Accounts opened by and the number of TD Points awarded to any one person.
2 Primary Cardholder remains liable for all charges to the Account, including those made by any Additional Cardholder.
3 Every 200 TD Points redeemed are worth $1 in travel savings off the cost of Travel Purchases made through Expedia For TD. Redemptions can only be made in 200 TD Points increments
4 The Toronto-Dominion Bank and its affiliates are not liable or responsible for the products, goods or services offered or made available by third party retailers through tdrewards.com
5 Subject to carrier/space availability.
6 TD Points do not expire as long as you are a Cardholder.
7 TD Points must be redeemed in minimum 200-point increments for travel Purchases charged to your Card that are booked online or by phone through Expedia For TD. For travel Purchases charged to your Card that are not booked through Expedia For TD, TD Points must be redeemed in minimum increments of 200 or 250 TD Points as fully explained in the TD Travel Rewards Program Terms and Conditions ("Travel Terms") contained in the TD Travel Credit Cardholder Agreement for your Card. The Travel Terms are available on tdcanadatrust.com/agreements. We can decrease the required minimum TD Point redemption increment at any time. To redeem TD Points for travel Purchases charged to your Card that are not booked through Expedia For TD, Cardholder must contact the TD Travel Rewards Program or visit www.tdrewards.com after the travel Purchase has been posted to the Account and within 90 days from the transaction date of the travel Purchase. The required TD Points will be redeemed from the TD Points balance available at the time the TD Points are redeemed for the travel Purchase, not the transaction date of the travel Purchase. The amount that will be credited toward the travel Purchase will be equal to the value of the TD Points redeemed. If there are insufficient TD Points available to cover the entire amount of the travel Purchase, the Account will only be credited by the value of the TD Points redeemed. Any amount of the travel Purchase not covered by the TD Points redeemed will remain on the Account for payment.
8 Expedia For TD is operated by Expedia, Inc. at www.tdrewards.com and 1-877-222-6492. The Toronto-Dominion Bank and its affiliates are not responsible for any of the services and products offered/provided by Expedia, Inc.
9 Earn 9 TD Points for every $1 in Purchases of travel made online through Expedia For TD ("Online Travel Purchases") and charged to the Account. Any returned items, refunds, rebates or other similar credits will reduce or cancel the TD Points earned on the original Online Travel Purchase. Fees, Cash Advances (including Balance Transfers, Cash-Like Transactions and TD Visa Cheques), interest charges, optional service, refunds, rebates or other similar credits do not earn TD Points. Other Conditions: Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer. Earn 6 TD Points for every $1 in Purchases of travel made by phone through Expedia For TD ("Phone Travel Purchases") and charged to the Account. Any returned items, refunds, rebates or other similar credits will reduce or cancel the TD Points earned on the original Phone Travel Purchase. Fees, Cash Advances (including Balance Transfers, Cash-Like Transactions and TD Visa Cheques), interest charges, optional service, refunds, rebates or other similar credits do not earn TD Points. Other Conditions: Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer.
10 Earn 3 TD Points ("Standard Rebate") on every $1 on all other Purchases ("Other Purchases") charged to the Account. Any returned items, refunds, rebates or other similar credits will reduce or cancel the TD Points earned on the original Purchase. Fees, Cash Advances (including Balance Transfers, Cash-Like Transactions and TD Visa Cheques), interest charges, optional service, refunds, rebates or other similar credits do not earn TD Points. Other Conditions : Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer.
All trade-marks are the property of their respective owners.
* Trademark of Visa International Service Association and used under license.
®The TD logo and other trade-marks are the property of The Toronto-Dominion Bank. |
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2019: 5
2018: 4
2017: 4
2016: 4
2015: 4
2014: 4
2013: 3
2012: 2
2011: 3 in Hybrid
2010: 3 in Hybrid |
| See here for the rest of the travel rewards credit cards with an annual fee that were considered for this years rankings |
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. |
MBNA Rewards Platinum Plus® Mastercard® |
MBNA Rewards Platinum Plus® Mastercard®
• 4 points†† for every $1 spent on eligible gas, groceries and restaurant purchases during the first 90 days, and 2 points‡ for every $1 spent on eligible gas, groceries and restaurant purchases thereafter ($5,000 annual cap on each category). 1 point‡ for every $1 spent on all other eligible purchases
• 5,000 bonus points†† after you make $500 or more in eligible purchases within the first 90 days of your account opening
• 5,000 bonus points†† once enrolled for paperless e-statements within the first 90 days of account opening
• Redeem points‡ for travel, cash back, brand-name merchandise, gift cards from participating retailers, and charitable donations
• Standard Annual Interest Rates of 19.99% on purchases, 22.99% on balance transfers✪ and access cheques, and 24.99% on cash advances
• No annual fee
• 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.
‡ These are highlights of the credit card rewards program (the " Program ") associated with this credit card account. Points will be awarded on eligible transactions charged to your account as set out in the Program terms and conditions. You will earn two (2) points per dollar spent on eligible gas, grocery and restaurant purchases to a maximum annual amount of $5,000 in each category. Eligible purchases that are not eligible gas, grocery and restaurant purchases will earn a Base Earn Rate of one (1) point per dollar. The redemption rate for Points earned may differ depending on the redemption option chosen. Complete terms and conditions describing Program eligibility, accrual, earn limits, and redemption of Points, and other important conditions will be sent after your account is opened. Please read the terms and conditions carefully upon receipt.
†† To qualify for this offer, an applicant must be approved for the specific credit card account described in the offer. Welcome bonus of 5,000 points will be awarded if $500 in eligible Purchases are made on your Account within the first 90 days of account opening that are not subsequently rescinded, the subject of a charge back request(s) or otherwise disputed. In order to obtain a "Paperless Bonus" of 5,000 bonus points, you must enroll in online banking at www.mbna.ca and consent to Paperless Statements for the account within the first 90 days of account opening, and not subsequently rescind such enrollment throughout this period. For the double the points on gas, grocery and restaurant Purchases offer, for the first 90 days after account opening you will earn an additional 2 points/$1 spent on eligible gas, grocery and restaurant purchases (on top of the regular earn rate of 2 points/$1 spent on such purchases as indicated in the Program terms and conditions), subject to a maximum annual cap of $5,000 in each category. Please allow 8-10 weeks for the applicable bonus points to be posted to your points account. Limit one-time bonus point offer (no cash value) per new account for each bonus point offer. This offer is not available to residents of Quebec. This promotion is offered by MBNA and may be amended or cancelled at any time without notice.
✪ Balance transfers will be fulfilled in the order listed and are treated as balance transfers in accordance with your Account Agreement. The total value of balance transfers cannot exceed your authorized credit limit. If the value is greater, MBNA may send a partial payment to the named creditor/designated account. THERE WILL BE A TRANSACTION FEE EQUAL TO 1.00 % OF THE DOLLAR AMOUNT OF EACH BALANCE TRANSFER INITIATED WITH THIS APPLICATION. A MINIMUM FEE OF $7.50 WILL APPLY TO EACH BALANCE TRANSFER TRANSACTION. A balance transfer may not be used to pay off or down your account balance or any other balances with us (including our affiliates, which would include any member of the TD Bank Group).
The Toronto-Dominion Bank is the issuer of this credit card. MBNA is a division of The Toronto-Dominion Bank. |
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2019: 1st
2018: 4th
2017: Out of the top 5 |
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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 |
CIBC Aventura® Visa* Card |
CIBC Aventura® Visa* Card
Annual Fee $0 Additional Cards (Up to 3): $0
Annual interest rate 19.99%† on purchases and 22.99%† on cash advances
$15,000 household annual income †
Get travel rewards for no annual fee†.
• Earn up to 2,500 Aventura points†.
· 1 point for every $1 spent on travel purchased through the CIBC Rewards Centre†
· 1 point for every $1 spent at eligible gas stations, grocery stores and drug stores†
· 1 point for every $2 spent on all other purchases†
· 90-day protection with Purchase Security Insurance if your new purchase is stolen or broken†
· Aventura Travel Assistant - Access personalized Travel booking and trip planning with no booking fees†
· Fly any airline, with no blackout periods and points that don’t expire†
†Conditions Apply
Insurance coverage(s) included with CIBC credit cards are underwritten by Royal & Sun Alliance Insurance Company of Canada. You may contact the insurer at 1 866 363-3338 in Canada and the U.S or collect from elsewhere at 905 403-3338 or visit cibccentre.rsagroup.ca. Some insurance coverage(s) require purchase(s), common carrier fares, accommodations and other trip costs to be charged to the card to activate coverage. Other conditions may apply. For important information regarding coverage, eligibility requirements, benefits, pre-existing health/medical conditions, limitations and exclusions, see cibc.com/ca/credit-card/agreements-insurance.html and the insurance certificate(s) in your card package.
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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 |
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 |
American Express Cobalt™ Card
|
American Express Cobalt™ Card
• In your first year as a new Cobalt Cardmember, you can earn 2,500 Membership Rewards® points for each monthly billing period in which you spend $500 in net purchases on your Card. This could add up to 30,000 points in a year
• 30,000 points is enough for: • An eligible short-haul flight using the Fixed Points Travel Program, or
• $300 in statement credits redeemed towards travel purchases charged to your Card or
• $300 worth of tickets on Ticketmaster.ca
• Earn 5x the points on eligible eats and drinks in Canada, including groceries and food delivery
• Earn 2 points for every $1 spent on eligible transit & gas purchases in Canada and eligible travel purchases. That's 2X the points on purchases that get you from point A to B
• Earn 1 point for every $1 in Card purchases everywhere else. We won't tell you where to spend, we'll just reward you on your Card purchases
• Cobalt Cardmembers receive regular Perks such as bonus reward offers and access to great events
• Get advance access to tickets to some of the hottest concerts, shows and events through Front Of The Line® by American Express Invites® and advance screenings to blockbuster movies
• American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details, current product information and Terms and Conditions, click the Apply now link. Conditions Apply
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2019: 1
2018: 1 |
American Express® Gold Rewards Card |
American Express® Gold Rewards Card
Card Type: Charge
Annual Fee: $150
• New American Express® Gold Rewards Cardmembers can earn a Welcome Bonus of 25,000 Membership Rewards® points when you charge $1,500 in purchases to your Card in your first 3 months of Cardmembership
• That's enough to redeem for a round-trip Fixed Mileage Flight Reward™ to almost anywhere in North America
• Earn 2 points for every $1 in Card purchases at eligible gas stations, grocery stores and drugstores in Canada
• Earn 2 points for every $1 in Card purchases for eligible travel purchases, including flights, hotels, car rentals, cruises, and more
• Earn 1 point for every $1 in Card purchases everywhere else
• Charge any eligible purchase to your Card then log in to redeem your points for a statement credit
• Book flights within Canada or to destinations around the world for a fixed amount of points, with the Fixed Points Travel Program. You can book any airline, fly any day, and even book right up to a day before departure
• 1 Free Additional Gold Rewards Card (a $50 value) to help you earn points faster
• As a Charge Card, the balance must always be paid in full each month. 30% annual interest rate applies to balances not paid in full. Payments must be received and processed by the date of the next monthly statement to avoid interest charges
• 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
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2019: 2
2018: 2
2017: 1
2016: 1
2015: 1
2014: 1
2013: 1
2012: 1
2011: 1
2010: N/A |
RBC
Visa Infinite Avion
|
RBC Visa Infinite Avion
Annual Fee: $120
Additional Card Fee: $50
- Get 15,000 Welcome Points upon Approval
- Earn 25% more RBC Rewards points on travel related purchases
- Book flights, hotel stays, cruises, vacation packages, car rentals with RBC Rewards site, powered by Orbitz
- Transfer your RBC Rewards points towards other eligible loyalty programs (WestJet Rewards, British Airways Executive Club, American AAdvantage, Cathay Pacific Asia Miles. Look for the transfer bonuses to the airlines several times per year!)
- Premium suite of insurances including trip cancellation3, trip interruption3, travel medical4, car rental insurance5
- Redeem your points toward your credit card balance using Payback with Points2
- Instantly save 3₵ per litre on fuel & earn 20% more Petro-Points§ and RBC Rewards points when you link your Petro-Points card to any RBC Card online.
- 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
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2019: 3
2018: 3
2017: 2
2016: 2
2015: 2
2014: 2
2013: 2
2012: 2
2011: 2
2010: 1 |
The
Platinum Card® |
The
Platinum Card®
Card Type: Charge
Annual Fee: $699 Additional Card Fee: $175 for Platinum, $50 for Gold
• Unlock special experiences with the newly designed metal Platinum Card
• New Platinum® Cardmembers, earn 25,000 Welcome Bonus Membership Rewards® points when you charge $2,000 in purchases to your Card in the first three months of Cardmembership
• Earn 3 points for every $1 in Card purchases on eligible dining in Canada, 2 points for every $1 in Card purchases on eligible travel, and 1 point for every $1 in all other Card purchases
• You will have access to a $200 CAD Annual Travel Credit to use towards any single travel booking of $200 or more charged to your Platinum Card and made on www.americanexpress.ca/travel or through Platinum Card® Travel Service
• Take full advantage of the American Express Global Lounge Collection which unlocks access to over 1200 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 complimentary benefits that offer an average value of $550 USD at over 1,000 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 including security bypass, complimentary valet car service and discount car care and parking
• You will also have access to many leading hotel and car rental companies’ loyalty programs. Our partners include Marriott International, Hilton Hotels and Resorts®, Radisson Hotel Group Shangri-La Hotels and Resorts and Hertz® and Avis®
• As a Charge Card, the balance must always be paid in full each month. 30% annual interest rate applies to balances not paid in full. Payments must be received and processed by the date of the next monthly statement to avoid interest charges
• 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
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2019: 5
2018: 4
2017: 3
2016: 3
2015: 3
2014: 3
2013: 3
2012: 3
2011: N/A
2010: N/A |
HSBC World Elite® Mastercard® |
HSBC World Elite® Mastercard®
Primary Cardholder Annual Fee: $149 - First Year Fee Rebate. Terms apply.
Authorized User Annual Fee: $50 Per Card
Annual interest rate: 19.9% on purchases and 22.9% on funds advances
$80,000 personal or $150,000 household annual income
• Earn up to 100,000 Points ($500 travel value) PLUS a full annual fee rebate for the Primary Cardholder for the first year. Must apply by December 28, 2020. Conditions Apply.
Welcome bonus awarded as follows:
- Welcome Bonus of 20,000 Points ($100 travel value)
- Spend $5,000 in the first 180 days to earn an additional 80,000 Points ($400 travel value)
• Earn 3% in travel rewards on all eligible travel purchases (6 Points per $1) and earn 1.5% in travel rewards on all other eligible purchases (3 Points per $1)
• No foreign transaction fees. Only the exchange rate will apply
• Enjoy maximum flexibility and redeem your Points on your terms for:
• Travel
• Gift cards and valuable merchandise
• Financial rewards
• Rewards for miles
This offer is only available to residents of Canada other than the province of Quebec. (Quebec residents eligible for separate offer)
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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 an Airline Credit Card?
An airline credit card earns miles directly into that airline's frequent flyer program |
|
2019: 1
2018: 1
2017: 2
2016: 2
2015: 2
2014: 2
2013: 3
2012: 3
2011: 2
2010: 2 |
|
2019: 2
2018: 2
2017: 3
2016: 4
2015: 5
2014: Out of top 5
2013: Out of top 5
2012: Out of top 5
2011: Out of top 5
2010: 5 |
|
2019: 3
2018: 3
2017: 5
2016: 5
2015: Out of top 5
2014: Out of top 5
2013: 5
2012: Out of top 5
2011: Out of top 5
2010: 4 (Platinum Version) |
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2019: 5
2018: 5
2017: Out of the top 5 |
|
2019 :4
2018: 4
2017: Out of the top 5
|
| See here for the rest of the airline credit / charge cards 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. |
TD® Aeroplan® Visa Infinite* Card
|
TD® Aeroplan® Visa Infinite* Card
As of November 8, 2020 changes are coming to the TD® Aeroplan® Visa Infinite Credit Card. Learn more here
Annual Fee $120 Additional Cards: $502
Annual interest rate 19.99% on purchases and 22.99% on funds advances
$60,000 personal or $100,000 household annual income
• Earn up to 25,000 Aeroplan Miles1. Plus, first year no Annual Fee for the Primary and 1st Additional Cardholder1. Conditions Apply. Must apply by November 7, 2020.
This offer is not available for residents of Quebec. For Quebec residents, please click here.
Apply by November 7, 2020 to get an Annual Fee Rebate1 for the Primary and 1st Additional Cardholder for the first year and earn up to 25,000 Aeroplan Miles as follows:
Welcome Bonus of 15,000 Aeroplan Miles when you make your first Purchase with your Card1.
+
10,000 Aeroplan Miles when you spend $1,500 within 90 days of Account opening1.
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.
• Earn Aeroplan Miles with every Purchase made on your Card and arrive at your dream destination sooner
• Enjoy Air Canada® benefits while travelling3
• When travelling on Aeroplan flight rewards operated by Air Canada:
• One annual One-Time Guest Pass to the Maple Leaf Lounge3
• First checked bag free3
• Priority Check-in3
• Priority Boarding3
• Take advantage of an extensive suite of travel insurance
• Earn 1.5 miles4 for every $1 spent on eligible grocery, gas, drugstore and aircanada.com purchases (excluding Air Canada Vacation packages) made with the Card (capped annually on the first $80,000 across these categories)
• Earn 1 mile5 for every $1 spent on all other purchases made with the Card
• Earn miles twice6 when you pay with your Card and present your Aeroplan Membership Number at participating partner brands and online retailers via the Aeroplan eStore
• Your Aeroplan Miles don’t expire as long as you’re a TD Aeroplan Credit Cardholder
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.
The Aeroplan Program is a coalition loyalty marketing program owned and operated by Aeroplan Inc. Visit aeroplan.com for complete terms and conditions of the Aeroplan Program.
The Toronto-Dominion Bank and its affiliates are not responsible for the Aeroplan Program.
1 Must apply by November 7, 2020. Welcome Bonus of 15,000 Aeroplan Miles will be awarded to the Aeroplan Member account associated with the TD Aeroplan Visa Infinite* Card Account only after the first Purchase is made on the Account. For Residents outside of Quebec: To receive the additional 10,000 Aeroplan Miles, you must make $1,500 in Purchases on your Account, including your first Purchase, within 90 days of Account opening. For Quebec Residents only: To receive the additional 10,000 Aeroplan Miles, you must keep your Account open, active and in good standing for 90 days after Account opening. For all Accounts: Rebate of the Annual Fee is only for the first year for the Primary Cardholder and the 1st Additional Cardholder added to the Account. 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. To receive the 1st Additional Cardholder Annual Fee Rebate you must add your first Additional Cardholder by November 8, 2020. Annual Fee Rebate will be applied within 2 monthly statements from the date of the statement with the first Annual Fee charge. The Annual Fee for any subsequent Additional Cardholders added to the Account continues to apply. The Primary Cardholder is responsible for all charges to the Account, including those made by any Additional Cardholder. Other conditions apply. If you have opened an Account in the last 6 months, you will not be eligible for this offer. We reserve the right to limit the number of Accounts opened by and the number of miles awarded to any one person. Offers may be changed, withdrawn or extended at any time and cannot be combined with any other offer unless otherwise specified. Your Account must be in good standing at the time the Welcome Bonus Aeroplan Miles are awarded. Please allow 8 weeks after the conditions for each offer are fulfilled for the Welcome Bonus Aeroplan Miles to be credited to your Aeroplan Member account.
2 Primary Cardholder remains liable for all charges to the Account, including those made by any Additional Cardholder.
3 All Air Canada benefits are fulfilled in whole or in part by Air Canada, or its designated affiliates or other third parties, and are subject to change at any time. The Toronto-Dominion Bank and its affiliates are not responsible for fulfilling these benefits. For more details about these benefits, please contact Air Canada directly. Air Canada Benefit Eligibility – Priority Travel Services: With the TD Aeroplan Visa Infinite Card, Air Canada benefits (the complimentary first checked bag, priority check-in and priority boarding) apply whenever the Primary Cardholder travels using an Aeroplan flight reward, only, on a flight operated by Air Canada, Air Canada Rouge or under the Air Canada Express banner. Flights operated by other airlines are not eligible. To access these benefits, the Primary Cardholder must redeem their Aeroplan flight reward (defined as Fixed Mileage Flight Rewards® or Market Fare Flight Rewards®) with miles from their Aeroplan account. To access these benefits, the Primary Cardholder must also ensure that the name on the Air Canada flight booking is identical to the name on the Aeroplan account profile of the traveler. Where zonal boarding is available, the priority boarding status will be recognized by a Zone 2 descriptor for the Primary Cardholder and companions travelling on the same reservation checking-in at the same time, which will be displayed on the Air Canada issued boarding pass. Priority check-in may also be extended to companions travelling on the same reservation checking-in at the same time as the Primary Cardholder. To access priority check-in and priority boarding, the Primary Cardholder may be required to show their TD Aeroplan Visa Infinite Card to the Air Canada agent. Please allow two weeks from receiving your Card for these Air Canada benefits to be activated. The complimentary first checked bag, up to 23kg (50 lb), applies whenever the Primary Cardholder travels using an Aeroplan flight reward, only, on a flight operated by Air Canada, Air Canada Rouge or under the Air Canada Express banner. Flights operated by other airlines are not eligible. To access this benefit, the Primary Cardholder must redeem their Aeroplan flight reward (defined as Fixed Mileage Flight Rewards or Market Fare Flight Rewards) with miles from their Aeroplan account. To access this benefit, the Primary Cardholder must also ensure that the name on the Air Canada flight booking is identical to the name on the Aeroplan account profile of the traveler. The complimentary first checked bag applies solely to the Primary Cardholder, and service charges for additional/oversized/overweight baggage may apply. Applicable on flights that do not already offer a complimentary first checked bag. To access this benefit, the Primary Cardholder may be required to show their TD Aeroplan Visa Infinite * Card to the Air Canada agent. Please allow two (2) weeks from receiving your Card for these Air Canada benefits to be activated.
4 1.5 Bonus Aeroplan Miles (“Bonus Rate") are earned on each $1.00 in Purchases of eligible gas, groceries, drugstore, and aircanada.com products and services (excluding Air Canada Vacations packages, car rentals, hotel bookings, and other third party partner products and services that can be purchased through aircanada.com) charged to your TD Aeroplan Visa Infinite Card Account (“Account”). Any returned items, refunds, rebates or other similar credits will reduce or cancel the Aeroplan Miles earned on the original Purchase. To earn this Bonus Rate, Purchases of gas, groceries, drugstore and aircanada.com products and services must be made at merchants classified through the Visa network with a Merchant Category Code (“MCC”) that identifies them in the "gas", "grocery" or "drugstore" category and on aircanada.com. Some merchants may sell gas, groceries or drugstore products/services, or have separate merchants located on their premises that also sell gas, groceries or drugstore products/services, but may not be classified with a gas, grocery or drugstore MCC and such Purchases will not earn this Bonus Rate. If you have questions about the MCC that applies to a Purchase, contact TD at 1-800-983-8472. Bonus Rate is only available on the first $80,000 in net annual Purchases of gas, groceries, drugstore products/services and on aircanada.com made from January 1 to December 31 each year on your Account. Once the maximum net annual amount has been reached, Purchases of gas, groceries or drugstore products/services on the Account will not earn the Bonus Rate but will only earn Aeroplan Miles at the standard rate that applies to all other Purchases on the Account. This Bonus Rate offer is in place of and not in addition to the standard rate earned on all other Purchases made on your Account. Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer
5 1 Aeroplan Mile is earned on each $1.00 in Purchases charged to your TD Aeroplan Credit Card Account (“Account”). Credit for returned items, refunds, rebates or other similar credits will reduce or cancel the Aeroplan Miles earned by the amount originally charged to your Account. Fees, Cash Advances (including Balance Transfers, Cash-Like Transactions and TD Visa* Cheques), interest charges, optional services, refunds, rebates or other similar credits do not earn Aeroplan Miles. Please see the Aeroplan Terms for Your TD Credit Card section of the Cardholder Agreement for complete details on Aeroplan Miles earned on Purchases (a copy of your Cardholder Agreement is available at http://www.tdcanadatrust.com/tdvisa/agreements ).
6 This feature is available at over 150 Aeroplan Partner brands and 100 online retailers through Aeroplan’s eStore. The Toronto-Dominion Bank is not responsible for any Aeroplan Miles under this “earn miles twice” feature of the Aeroplan Program when the Aeroplan Membership Card is presented. See your Aeroplan Program for full details. Feature may be changed, withdrawn or extended at any time and cannot be combined with any other offer
All trade-marks are the property of their respective owners.
* Trademark of Visa Int., used under license.
TM Air Canada Maple Leaf Lounge is a trademark of Air Canada, used under license.
® Air Canada, Air Canada Express, Air Canada Rouge and the Air Canada Maple Leaf logo are registered trademarks of Air Canada, used under license
® Air Canada is a registered trademark of Air Canada, used under license.
® Fixed Mileage Flight Rewards and Market Fare Flight Rewards are registered trademarks of Aimia Canada Inc.
Aeroplan® and the Aeroplan logo are registered trademarks of Aeroplan Inc.
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2019: 1
2018: 1
2017: 1 (airline)
2016: 1 (airline)
2015: 1 (airline)
2014: 1 (airline) |
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2019: 2
2018: 2
2017: Out of the top 5 (airline) |
American Express® AIR MILES®* Platinum Credit Card |
American Express® AIR MILES* Platinum Credit Card
Card Type: Credit
Annual Fee: $120 Additional Card Fee: $50
Annual interest rate 20.99% on purchases and 21.99% on funds advances; Missed payment applicable rates, 23.99% and/or 26.99%
• New American Express® AIR MILES®* Platinum Credit Card Cardmembers, earn a Welcome Bonus of 3,000 AIR MILES®* Bonus Miles when you charge a total of $1,500 in purchases to your Card within your first three months of Cardmembership. That’s enough to redeem for $310 towards your purchases with AIR MILES®* Cash
• Earn 1 Mile for every $5 in Card purchases, up to $30,000 annually, on eligible food & drinks, (such as eligible restaurants, coffee shops and stand-alone grocery stores), and eligible gas & transit (such as local commuter transportation including ridesharing services and taxi) in Canada.
• Earn 1 Mile for every $10 in Card purchases everywhere else.
• American Express® AIR MILES®* Platinum Credit Card Cardmembers can take advantage of the Annual Travel Redemption Benefit. Once per calendar year, when an eligible Cardmember uses Dream Miles with the AIR MILES Reward Program to book their first single flight or package vacation through airmiles.ca or vacations.airmiles.ca, they can get Bonus Miles equivalent to 25% of the net number of Miles used (up to a maximum of 750 Bonus Miles).
• Shop at participating AIR MILES®* Partners®* across Canada with your Card and show your AIR MILES®* Card, and you can earn Miles twice
• 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
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2019: 4
2018: 4
2017: Out of the rankings |
BMO® AIR MILES®† World Elite®* MasterCard®* |
BMO® AIR MILES®† World Elite®* MasterCard®*
Annual Fee: $120
Primary Card $50 Additional Card
· Interest Rate: Purchases 19.99% Cash Advances 22.99%
Welcome offer: Get 2,000 AIR MILES Bonus Miles and we’ll waive the $120 annual fee for the first year*.
· Earn 1 reward mile for every $10 in credit card purchases, everywhere you spend*
· Get valuable benefits and offers for digital everyday services from a variety of on-demand apps and subscription services
· Use your card at Costco
· Extended Warranty
· Access over 1 million Wi-Fi hotspots around the world - all at no added cost, and no added fees or roaming charges*
· Complimentary membership in Mastercard Airport Experiences provided by LoungeKey, with exclusive VIP access, plus two annual complimentary passes*
· Exclusive 15% Flight Discount on all AIR MILES flights in North America with no blackout periods*
· BMO AIR MILES World Elite Travel and Medical Protection*
· BMO Concierge Service*
· Unlock Mastercard Travel Rewards cashback offers when you travel and shop outside of Canada
· Get 5x the Miles at Shell until December 31, 2020*
*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 |
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2019: 3
2018: 3
2017: Out of the rankings |
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2019: Out of the top 5
2018: Out of the top 5
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| See here for the rest of the coalition credit cards that were considered for this years rankings |
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