Canadian Travel Credit Card Comparison - Hybrid Credit Cards
The original verision chart was posted Sep 17, 2004 and was last updated: Jan 16, 2012
This chart is part of Rewards Canada's Guide to Choosing a Travel Rewards Credit Card
and is a comparison of all the Hybrid travel rewards credit cards in Canada.
"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 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."
We also offer the following comparison charts:
1. Most Popular Travel Rewards Credit Cards
2. All Canadian Travel Rewards Credit Cards
3. Travel Points Credit Cards Only
4. Airline (Frequent Flyer) Credit Cards Only
5. Hotel (Frequent Guest) Credit Cards Only
Feature / Card
American Express Gold Rewards Card
The Platinum Card from American Express
CIBC Aventura Visa Infinte
CIBC Aventura World MasterCard
Diners Club Club Rewards MasterCard
Royal Bank Visa Platinum Avion
Royal Bank Visa Infinite Avion
 Feature / Card
/
Fees/Costs
 /
Annual Fee
$150*
$399
$120
$120
$99
$120
$120
Annual Fee
Supp. Card Fee
$0 for first card, $50* each additional card
$175 annually for Platinum Cards; $50 annually for Gold cards
$50
$50
$35
$50
$50
Supp. Card Fee
Interest Rate
30% Non Revolving
30% Non Revolving
19.99%
19.99%
18.5%
19.99%
19.99%
Interest Rate
Minimum Income
N/A
N/A
$60,000
$70,000 Personal or $120,000 Household
$25,000
N/A
$60,000 Personal or $100,000 Household
Minimum Income
Minimum Credit Limit
No Preset Limit
No Preset Limit
$5,000
$5,000
N/A
$1,000
$5,000
Minimum Credit Limit
/
Reward Miles/Points Earning
/
Card
American Express Gold Rewards Card
The Platinum Card from American Express
CIBC Aventura Visa Infinte
CIBC Aventura World MasterCard
Diners Club Club Rewards MasterCard
Royal Bank Visa Platinum Avion
Royal Bank Visa Infinite Avion
Card
Welcome Bonus
15,000 Membership Rewards Points
up to 25,000 Membership Rewards Points
15,000 Aventura Points
15,000 Aventura Points
5,000 points
15,000 points
15,000 points
Welcome Bonus
Renewal Bonus
0
0
0
0
0
0
0
Renewal Bonus
Earning Ratio
1 Point/$
2 Points/$ at grocery stores, gas stations or drug stores and on all Travel purchases
1.25 points/$
1 Point/$
1.5 Miles/$ at grocery stores, gas stations or drug stores**
1 Point/$
1.5 Miles/$ at grocery stores, gas stations or drug stores**
1 Point/$
1 RBC Rewards point/$1

1 RBC Rewards point/$1

1.25 RBC Rewards points/$1 on all travel purchases
Earning Ratio
Bonus Features
Bonus Aeroplan Miles at participating CIBC Bonus Rewards restaurants, resorts, golf courses, and retail stores
Also see our Visa Bonus offers page
Bonus Aeroplan Miles at participating CIBC Bonus Rewards restaurants, resorts, golf courses, and retail stores
Also see our Visa Bonus offers page
Bonus Features
/
Redemption/Exchange Options
/
Card
American Express Gold Rewards Card
The Platinum Card from American Express
CIBC Aventura Visa Infinte
CIBC Aventura World MasterCard
Diners Club Club Rewards MasterCard
Royal Bank Visa Platinum Avion
Royal Bank Visa Infinite Avion
Card
Miles/Points deposited to:
Membership Rewards
Membership Rewards
Aventura
Aventura
Club Rewards
RBC Rewards
RBC Rewards
Miles/Points deposited to:
Travel Agency Redemption Value
10,000 Points = $100
10,000 Points = $100
5000 Points = $50
5000 Points = $50
100 Points = $1.70
up to 2.3% on flights as per the Avion Air Travel Redemption Schedule (e.g. 15,000 pts = short-haul flight worth up to $350)
or
5000 Points = $50 for other travel
up to 2.3% on flights as per the Avion Air Travel Redemption Schedule (e.g. 15,000 pts = short-haul flight worth up to $350)
or
5000 Points = $50 for other travel
Travel Agency Redemption Value
Exchange Options
1 Point = 1 Mile with Aeroplan / .75 Miles with Alitalia, British Airways, Cathay Pacific and Delta
1 Point = .9 Points with Hilton, .8 Points with IHG, .5 Points with SPG
1 Point = 1 Mile with Aeroplan / .75 Miles with Alitalia, British Airways, Cathay Pacific and Delta
1 Point = .9 Points with Hilton, .8 Points with IHG, .5 Points with SPG
1 Point = 1 Mile with Aeroplan
1 Point = 1 Mile with Aeroplan*
1,250 Points = 1000 Miles on
10 Airlines
2,250 Points = Various points with 7 Hotels
1 Point = 1 Mile on American, British Airways or Cathay Pacific
1 Point = 1 Mile on American, British Airways or Cathay Pacific
Exchange Options
Redemption Centre
Any Travel Provider
Any Travel Provider
Any Travel Provider via Aventura
CIBC Aventura Rewards Centre
Any Travel Provider
RBC Rewards
RBC Rewards
Redemption Centre
/
Benefits
/
Card
American Express Gold Rewards Card
The Platinum Card from American Express
CIBC Aventura Visa Infinte
CIBC Aventura World MasterCard
Diners Club Club Rewards MasterCard
Royal Bank Visa Platinum Avion
Royal Bank Visa Infinite Avion
Card
Travel Accident Insurance
$500,000
$500,000
$500,000
$500,000
$300,000
$500,000
$500,000
Travel Accident Insurance
Flight Delay Insurance
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Flight Delay Insurance
Delayed, Lost, Stolen, Damaged Baggage Insurance
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Delayed, Lost, Stolen, Damaged Baggage Insurance
Trip Cancellation Insurance
No
Yes
Optional***
Yes
Optional***
No
No
Trip Cancellation Insurance
Trip Interuption Insurance
Yes
Yes
Yes
Yes
Optional***
No
Yes
Trip Interuption Insurance
Travel Medical Insurance
Yes
Yes
Yes
Yes
Optional***
No
Yes
Travel Medical Insurance
Auto Rental/Loss Damage Insurance
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Auto Rental/Loss Damage Insurance
Purchase Protection
Yes
Yes
No
Yes
Yes
Yes
Yes
Purchase Protection
Price Protection
No
No
No
No
No
No
No
Price Protection
Extended Warranty Plan
Yes
Yes
No
Yes
Yes
Yes
Yes
Extended Warranty Plan
Free Companion Air Ticket
No
Yes
No
No
One British Airways Companion Ticket yearly
No
No
Free Companion Air Ticket
Business Class Lounge Access
No
Yes
No
No
Yes. Various Lounges Worldwide plus free membership in Priority Pass
No
No
Business Class Lounge Access
Priority Check In
No
No
No
No
No
No
No
Priority Check In
Hotel Burglary Insurance
Yes
Yes
No
No
No
Yes
Yes
Hotel Burglary Insurance
Travel Concierge Service
No
Yes
Yes
Yes
No
No
Yes
Travel Concierge Service
Enhanced Hotel/Dining Services
No
Yes
Yes
Yes
No
No
Yes
Enhanced Hotel/Dining Services
Overlimit Extended Purchasing
Yes
Yes
Yes
Yes
No
No
Yes
Overlimit Extended Purchasing
Link to Apply
Link to Apply
Notes:
* Annual fees waived the first year
* - Points transferred to Aeroplan must be in increments of 10,000
** Up to a total annual spend of $80K
*** Fee Applies
* - Points transferred to Aeroplan must be in increments of 10,000
** Up to a total annual spend of $80K
*** Fee Applies
Premier membership in Fairmont's President's Club after 3 visits
*** Fee Applies
N/A
Notes:
Home | Terms of Use/Privacy Policy | About Us | Advertise | Contact Us
©2001-2012 Rewards Canada. Part of The Frequent Flyer Bonuses Group