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Top 4 Coalition Reward Program Credit Cards

 

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There are so many credit card options in Canada that it can get really confusing for the consumer. At Rewards Canada we do our best to help guide you to the right card for you with our Guide to choosing a travel rewards credit card and features like our Top Travel Rewards Credit Card rankings. We tell you to join multiple loyalty programs and earn more miles or points by tying in a credit card that co-brands with that program. In Canada we have some very large loyalty programs that fall under the coalition program banner and all Canadians should join at least one of these programs if not all of them. What is a coalition program? It is a program where you have lots of ways to earn points or miles and lots of ways to burn them. That means many partners to earn points or miles at and a large varied reward catalog where you can use those points or miles. For many Canadians joining a coalition program makes a lot of sense since you can earn miles or points pretty much everyday. Although we didn't invent the coalition program, Canada sure did develop them in to what they are today globally thanks to AIR MILES and Aeroplan. AIR MILES made the coalition program and loyalty programs in general main stage for Canadians and made them part of our everyday lives. No longer was it a world for frequent travellers or high spenders, loyalty was now the game for all merchants and all consumers.

With the growth of AIR MILES, Aeroplan saw an opportunity as well to compete and shifted from being the frequent flyer program of Air Canada to a coalition program for Canadians. The two have gone head to head now for many years and now we are seeing even more competition on that front with two more programs aspiring to be large coalition programs. Those programs are Cineplex's SCENE program and Overwaitea Food Group's More Rewards. Once limited to movies, SCENE has now added partners like Sport Chek and many restaurants from the Cara group as places where you can both earn and redeem points and aspires to be a big player in the market. More Rewards, once limited to Overwaitea's grocery stores has added a great credit card and nationwide partners like Petro-Canada and Panago Pizza and like SCENE are aspiring to become a bigger player in the market.

Anyone or all of these programs should be on your radar for earning points and miles. If you are shopping at a retailer that offers any one of them why shouldn't you be earning those points or miles? However you can earn even more points and miles in that program (or more than one) by tying in a co-brand credit card for the program! Aeroplan and AIR MILES have multiple options, SCENE and More Rewards have only one option really but if those programs are your main loyalty program you should definitely take a look at them.

With that said, we'll now list off the best co-brand credit card option for each program and that should be in everyone's wallet, well at least for the program that you make as your primary program.

Make sure you also check out and bookmark our bonus mile/point pages for all four programs so that you can earn even more!

Aeroplan


TD® Aeroplan® Visa Infinite* Card

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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

Apply Now

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.


AIR MILES


BMO AIR MILES World Elite Mastercard

BMO AIR MILES World Elite Mastercard
• Welcome Offer: Get up to 3,000 AIR MILES Bonus Miles* plus a Companion Flight Rebate* Limited Time: $120 annual fee waived in the first year*
• Exclusive 25% Flight Discount on all AIR MILES flights in North America with no blackout periods
• 1 AIR MILES reward mile for every $10 that you spend on your credit card
• WEB ONLY OFFER - Not available by phone or in branch

Apply Now

More Rewards

Scotiabank More Rewards* VISA* card
Scotiabank More Rewards Visa Card

Scotiabank® More Rewards®* Visa* Card
• Earn 5,000 Bonus More Rewards Points on approval and 10,000 Bonus More Rewards Points on first purchase if you apply by March 31, 2017
• Earn 6 More Rewards points for every $1 spent on purchases at participating More Rewards locations including Save-On-foods, PriceSmart Foods, Overwaitea Foods, Cooper’s Foods and Urban Fare stores and participating More Rewards partners such as Petro Canada and Panago.
• Earn 4 points for every $1 on other purchases everywhere else
• Redeem your More Rewards points for travel, groceries, gift cards, merchandise and more
• No annual fee and no earning or redemption caps.

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SCENE

Free movies and more
SCENE
® VISA* card

SCENE® VISA* card
• 2,000 bonus SCENE points - that’s two free movies
• Earn one SCENE point for every dollar you spend
• Earn five SCENE points for every dollar you spend at participating Cineplex Entertainment theatre or online at cineplex.com
• Redeem points for free movies at Cineplex Entertainment theatres, music and other entertainment rewards
• No annual fee
• 20% AVIS rental car discount

Apply Now


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Do you have any other tips for using Canada's 4 coalition programs? Do you collect with them and use some of these cards? Tell us in the comments section below or join the conversation on Facebook and Twitter!

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