Canadian Travel Credit Card Comparison - Travel Points Credit Cards
This chart was originally posted Sep 17, 2004 and was last updated: Mar 28, 12
This chart is part of Rewards Canada's Guide to Choosing a Travel Rewards Credit Card
and is a comparison of all the Travel Points travel rewards credit cards in Canada.
"A Travel Points Credit Card earns points that can be used to book travel via that credit cards travel agency, associated reward program or with some cards the ability to book travel how you want and use those points towards 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. Hybrid Credit Cards Only
4. Airline (Frequent Flyer) Credit Cards Only
5. Hotel (Frequent Guest) Credit Cards Only
Feature / Card
Alterna Travel Rewards MasterCard
Alterna WorldPoints MasterCard
American Express Air Miles Credit Card
American Express Blue Sky Credit Card
ATB My Rewards Credit Card
BMO Air Miles Master Card
BMO World Elite Master Card
Capital One Aspire Travel World MasterCard
Capital One Aspire MasterCard
Capital One Fusion Platinum MasterCard
  
Citizens Bank My Rewards Visas
Feature / Card
CUETS MasterCards
Desjardins Visas
HSBC MasterCard
MBNA Cheap Tickets Canada MasterCard
MBNA Itravel2000 MasterCard
MBNA Travel Rewards Platinum MasterCard
MBNA WorldPoints MasterCard
National Bank of Canada Platinum MasterCard
RBC Visa Gold Preferred
ScotiaGold Passport VISA
Sears Voyage MasterCard
TD Classic Travel Visa Card
TD First Class Visa Infinite
TD Platinum Travel Visa
Vancity enviro Visa
Feature / Card
/
Fees/Costs
/
Fees/Costs
/
Annual Fee
$89
Low Fee: $29
No Fee: $0
Plat: First Year free then $65*
Reg: $0
$0
Gold: $89
Reg: $0
Gold: $99
No Fee: $0
$150
$120
$0
$0
  
Gold: $99
Classic: $0
Annual Fee
Platinum: $150
Gold: $120
Gold Low Fee: $59
Low Fee: $24
No Fee: $0
Odyssey Gold: $110
Module Gold: $50
Elegance Gold: $0
No Fee as long as you have an HSBC Premier or Advance package
$0
$0
$89
$29
$125
$110
$120
$39
$19
$120
$99
Gold: $99
Classic: $0
Annual Fee
Supp. Card Fee
N/A
$0
$0
$0
N/A
Gold: $15
No Fee:: $0
$50
$0
$0
$0
  
$0
Supp. Card Fee
Platinum: $40
Rest: $0
Odyssey Gold: $30
Module Gold: $0
Elegance Gold: $0
$0
$0
$0
$0
$0
$0
$40
$30
$0
$0
$50
$50
Gold: $0
Classic:$0
Supp. Card Fee
Interest Rate
18.99%
Low Fee: 12.99%
No Fee: 14.99%
19.99%
18.99%
Gold: 18.9%
Reg: 19.9%
19.5% (11.9% available for $35)
20.5%
Prime + 16.8%
Prime + 16.8%
9.9%
  
19.5% (11.25% available for additional yearly fee)
Interest Rate
19.49%
No Fee: 19.99%
Odyssey Gold: 19.4%
Module Gold: 9.9%
Elegance Gold: 19.9%
Premier: 12.9%
Advance: 17.9%
17.99%
19.99%
18.99%
19.99%
19.50%
19.99%
19.99%
?
19.75%
19.99%
19.75%
19.5%
Interest Rate
Minimum Income
N/A
N/A
$15,000
$15,000
N/A
N/A
Recommend $70,000
$60,000
$30,000
$40,000
  
N/A
Minimum Income
N/A
N/A
N/A
$35,000
$35,000
$35,000
$35,000
N/A
N/A
N/A
N/A
N/A
Min $60,000 Personal income or $100,000 Combined Household Income
$35,000
Gold: $35,000
Classic: $15,000
Minimum Income
Minimum Credit Limit
N/A
N/A
N/A
N/A
$500
N/A
N/A
$7,500
$5,000
N/A
  
N/A
Minimum Credit Limit
Platinum: $7,500
Gold: $5,000
Gold Low Fee: $2,500
Low Fee / No Fee:: $1,000
N/A
N/A
N/A
N/A
N/A
N/A
$1,000
$1,000
$5,000
N/A
N/A
$5,000
$5,000
N/A
Minimum Credit Limit
/
Reward Miles/Points Earning
/
Reward Miles/Points Earning
/
Card
Alterna Travel Rewards MasterCard
Alterna WorldPoints MasterCard
American Express Air Miles Credit Card
American Express Blue Sky Credit Card
ATB My Rewards Credit Card
BMO Air Miles Master Card
BMO World Elite Master Card
Capital One Aspire World MasterCard
Capital One Aspire MasterCard
Capital One Fusion Platinum MasterCard
  
Citizens Bank My Rewards Visas
Card
CUETS MasterCards
Desjardins Visas
HSBC MasterCard
MBNA Cheap Tickets Canada MasterCard
MBNA Itravel2000 MasterCard
MBNA Travel Rewards Platinum MasterCard
MBNA WorldPoints MasterCard
National Bank of Canada Platinum MasterCard
RBC Visa Gold Preferred
ScotiaGold Passport VISA
Sears Voyage MasterCard
TD Classic Travel Visa Card
TD First Class Visa Infinite
TD Platinum Travel Visa
Vancity enviro Visa
Card
Welcome Bonus
2,500 Bonus Points
Low Fee: 2,500 Bonus Points
No Fee: 0 Points
Plat: 1,150 Miles*
Reg: 400 Miles*
12,000 Bonus Points after $3000 spent in first 6 months
0
Gold:150 Miles
No Fee: 0 Miles
15000 BMO Elite Reward points
35,000 Miles
5,000 Miles
5,000 Miles
  
Gold 2,500 Points
Classic: 0
Welcome Bonus
Platinum: 2,000 Points
Gold: 1,000 Points
Gold Low Fee: 1,000 Points
Low Fee: 1,000 Points
0
0
0
0
5,000 points
1,000 points
20,000 Point
2,500 Points
20,000 Points untl Dec 31, 11
2,500 Sears Club Points
2,000 TD Points
20,000 TD points
15,000
points
Gold Only: 2,500 My Visa Rewards Plus points
Welcome Bonus
Renewal Bonus
2,500 Points
0
0
0
0
0
0
10,000
1,000
0
  
Gold 3,500 Points
Classic: 0
Renewal Bonus
0
0
0
0
0
2,500 Points
1,000 Points
0
0
0
0
N/A
0
0
Gold Only: 3,500
Renewal Bonus
Earning Ratio
1 Point/$
Low Fee: 1 Point/$
No Fee: 1 Point/$2
Reg: 1 Mile/$15 at AIR MILES Sponsors, 1/$20 everywhere else

Plat: 1 Mile/$10 at AIR MILES Sponsors and eligible gas, grocery and drugstores
1/$15 everywhere else
1.25 points/$
Gold: 10 Points/$
Reg: 5 Points/$
Gold: 1 Mile /$15

No Fee: 1 Mile /$20
1 Point/$
2 miles/$
1 Mile/$
1 Mile/$2
  
Gold: 1 Point/$
Classic: 1 Point/$2
Earning Ratio
Platinum: 2 Points/$
Gold: 1 Point/$
Gold Low Fee: 1 Point/$
Low Fee: 1 Points/$
No Fee: 1 Point/$2
Odyssey Gold:
1 BONUS DOLLARS / $100
Module Gold:
1 BONUS DOLLARS / $100
Elegance Gold: 0.5 BONUS DOLLARS / $100
1 Point/$
1 Point/$2
1% Back in itravelCASH
1 Point/$
1 Point/$
1.5 Points/$
1 RBC Rewards point/$1
1 Point/$
1 Sears Club Point/$

1.5 Sears Club Points/$ on gas, groceries and travel merchant purchases

2Sears Club Points/$ on Sears Purchases

3 Sears Club Points/$ on Sears Travel Purchases
2 TD Points/$1
3 Point/$
3 Point/$
Gold :1 Point/$
Classic:1 Point/$2
Earning Ratio
Bonus Features
N/A
N/A
N/A
Gold : Double Miles at Shell, National & Alamo
Gold: 25% discount on AIR MILES flights

No Fee: 1.5x Miles at Shell, National & Alamo

3X reward miles at participating Rewards Plus Merchants
Double points at National and Alamo Car Rental
N/A
N/A
N/A
  
Double points on all travel booked via the My Visa Rewards Travel agent or online booking engine
Bonus Features
N/A
Odyssey Gold:
2 BONUS DOLLARS / $ on Foreign currency spending
N/A
N/A
N/A
N/A
N/A
N/A
0
5% Cashback on all eligible travel (flights, cruises and packages) when booked through ScotiaRewards

Also see our Visa Bonus offers page
N/A
N/A
9 TD Points/$1 travel purchase booked at TD Travel Rewards Centre
6 Points/$ spent with TD Travel Rewards for travel.
2X points when you book your trip through My Visa Rewards Plus using your enviro Gold Visa.
Bonus Features
/
Redemption/Exchange Options
/
Redemption/Exchange Options
/
Card
Alterna Travel Rewards MasterCard
Alterna WorldPoints MasterCard
American Express Air Miles Credit Card
American Express Blue Sky Credit Card
ATB My Rewards Credit Card
BMO Air Miles Master Card
BMO World Elite Master Card
Capital One Aspire World MasterCard
Capital One Aspire MasterCard
Capital One Fusion Platinum MasterCard
  
Citizens Bank My Rewards Visas
Card
CUETS MasterCards
Desjardins Visas
HSBC MasterCard
MBNA Cheap Tickets Canada MasterCard
MBNA Itravel2000 MasterCard
MBNA Travel Rewards Platinum MasterCard
MBNA WorldPoints MasterCard
National Bank of Canada Platinum MasterCard
RBC Visa Gold Preferred
ScotiaGold Passport VISA
Sears Voyage MasterCard
TD Classic Travel Visa Card
TD First Class Visa Infinite
TD Platinum Travel Visa
Vancity enviro Visa
Card
Miles/Points deposited to:
Alterna TravelRewards
WorldPoints
Air Miles
N/A
My Rewards
Air Miles
BMO Elite Rewards
Capital One
Capital One
Capital One
 
My Visa Rewards
Miles/Points deposited to:
Platinum Class Rewards
or Choice Rewards
BONUS DOLLARS Rewards
HSBC Rewards
Cheap Tickets Canada
Itravel2000
MBNA Travel Rewards
My World Points
National Bank
RBC Rewards
Scotia Rewards
Sears Club
TD Travel Rewards
TD Travel Rewards
TD Travel Rewards
My Visa Rewards Plus
Miles/Points deposited to:
Travel Agency Redemption Value
100 points = $1
N/A
N/A
10,000 Points = $100
1,000 Points = $1
N/A
1.9% (100 points = $1.90)
15,000 = up to $150

35,000 = up to $350

60,000 = up to $600

60,001 and above = cost of travel x100
15,000 = up to $150

35,000 = up to $350

60,000 = up to $600

60,001 and above = cost of travel x100
15,000 = up to $150

35,000 = up to $350

60,000 = up to $600

60,001 and above = cost of travel x100
  
100 Points = $1
Travel Agency Redemption Value
10,000 Points = $100
1 Point = $1
Book via HSBC: Set redemption schedule offering up to a 2.33% return

Book your own flight: 10,000 Points = $100
Unknown
$1 itravelCASH = $1
Book via MBNA Travel Rewards: Set redemption schedule
Unknown
11,000 Points = $100
50,000 Points = $500
10,000 Points = $100 over and above the 50,000 point level
100 points = $1 towards air travel reward.
5000 Points = $50
1000 Points = $10
10,000 Points = $50
10,000 Points = $50
10,000 Points = $50
100 points = $1
Travel Agency Redemption Value
Exchange Options
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Exchange Options
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Exchange Options
Redemption Centre
Alterna TravelRewards
WorldPoints
Air Miles
Any Travel Provider
My Rewards
Air Miles
BMO Elite Rewards
Any Travel Provider
Any Travel Provider
Any Travel Provider
  
My Visa Rewards
Redemption Centre
Platinum Class Rewards
or Choice Rewards
BONUS DOLLARS Rewards
HSBC Rewards or book any flight on your own via any travel provider
Cheap Tickets Canada
Itravel2000
MBNA Travel Rewards
My World Points
Any Travel Provider
RBC Rewards
Scotia Rewards
Sears Travel
TD Travel Rewards Centre with Ability to book travel anywhere and then redeem TD Points through The Travel Rewards Centre
TD Travel Rewards Centre with Ability to book travel anywhere and then redeem TD Points through The Travel Rewards Centre
TD Travel Rewards Centre with Ability to book travel anywhere and then redeem TD Points through The Travel Rewards Centre
My Visa Rewards Plus
Redemption Centre
/
Benefits
/
Benefits
/
Card
Alterna Travel Rewards MasterCard
Alterna WorldPoints MasterCard
American Express Air Miles Credit Card
American Express Blue Sky Credit Card
ATB My Rewards Credit Card
BMO Air Miles Master Card
BMO World Elite Master Card
Capital One Aspire World MasterCard
Capital One Aspire MasterCard
Capital One Fusion Platinum MasterCard
  
Citizens Bank My Rewards Visas
Card
CUETS MasterCards
Desjardins Visas
HSBC MasterCard
MBNA Cheap Tickets Canada MasterCard
MBNA Itravel2000 MasterCard
MBNA Travel Rewards Platinum MasterCard
MBNA WorldPoints MasterCard
National Bank of Canada Platinum MasterCard
RBC Visa Gold Preferred
ScotiaGold Passport VISA
Sears Voyage MasterCard
TD Classic Travel Visa Card
TD First Class Visa Infinite
TD Platinum Travel Visa
Vancity enviro Visa
Card
Travel Accident Insurance
up to $1MM
No
$100,000
$100,000
Gold:up to $200,000
Reg: No
Gold: $500,000
No Fee: Optional*
up to $500,000
$500,000
$250,000
$250,000
  
Gold: up to $500,00
Classic: up to $200,000
Travel Accident Insurance
Platinum / Gold / Gold Low Fee: up to $500,000
Low Fee / No Fee: up to $100,000
Odyssey Gold: up to $1 MM
Module Gold: up to $125,000
Elegance Gold: up to $125,000
N/A
$1,000,000
$1,000,000
$1,000,000
No
No
$500,000
$250 000 per person or $500 000 per occurance
No
No
up to $500,000
$500,000
Gold: up to $500,000
Classic: up to $200,000
Travel Accident Insurance
Flight Delay Insurance
No
No
Optional in a Travel Insurance package***
No
No
Gold/ No Fee: Optional*
Yes
Yes
No
No
  
No
Flight Delay Insurance
No
No
Premier: Yes
Advance: No
No
No
No
No
Yes
Yes
No
No
No
No
No
No
Flight Delay Insurance
Delayed, Lost, Stolen, Damaged Baggage Insurance
No
No
Optional in a Travel Insurance package***
No
No
Gold/ No Fee: Optional*
Yes
Yes
Yes
Yes
  
Gold: Yes
Classic: No
Delayed, Lost, Stolen, Damaged Baggage Insurance
Yes
Odyssey Gold: Yes
Module Gold: No
Elegance Gold: No
Premier: Yes
Advance: No
No
No
No
No
Yes
Yes
Yes
No
No
Yes
Yes
Gold:Yes
Delayed, Lost, Stolen, Damaged Baggage Insurance
Trip Cancellation Insurance
No
No
Optional in a Travel Insurance package***
No
No
Gold/ No Fee: Optional*
Yes
Yes
No
No
  
No
Trip Cancellation Insurance
Platinum / Gold / Gold Low Fee / Low Fee:Yes
Odyssey Gold: Yes
Module Gold: No
Elegance Gold: No
Premier: Yes
Advance: No
No
No
No
No
Yes
Yes
Yes
No
No
Yes
No
No
Trip Cancellation Insurance
Trip Interuption Insurance
No
No
Optional in a Travel Insurance package***
No
No
Gold/ No Fee: Optional*
Yes
Yes
No
No
  
No
Trip Interuption Insurance
No
No
No
Yes
Yes
Yes
No
Yes
Yes
Yes
No
No
Yes
No
No
Trip Interuption Insurance
Travel Medical Insurance
No
No
Optional in a Travel Insurance package***
Optional***
No
Gold/ No Fee: Optional*
Yes
Yes
No
No
  
No
Travel Medical Insurance
Platinum / Gold:Yes
Odyssey Gold: Yes
Module Gold: Yes (Limited)
Elegance Gold:Yes (Limited)
Premier: Yes
Advance: No
No
No
No
No
Yes
Yes
Yes
No
Optional for a fee
Yes
No
No
Travel Medical Insurance
Auto Rental/Loss Damage Insurance
No
No
Plat: Yes
No
Gold: Yes
Reg: No
Gold: Yes
No Fee: Optional*
Yes
Yes
Yes
Yes
  
Gold: Yes
Classic: No
Auto Rental/Loss Damage Insurance
Platinum / Gold / Gold Low Fee:Yes
Low Fee: No
Yes
Yes
Yes
Yes
Yes
No
Yes
Yes
Yes
Yes
No
Yes
Yes
Gold:Yes
Auto Rental/Loss Damage Insurance
Purchase Protection
No
No
Plat: Yes
No
Gold: Yes
Reg: No
Yes
Yes
Yes
Yes
Yes
  
Yes
Purchase Protection
Platinum / Gold / Gold Low Fee / Low Fee:Yes
Yes
Yes
Yes
Yes
Yes
No
Yes
Yes
Yes
No
No
Yes
Yes
Yes
Purchase Protection
Price Protection
No
No
No
No
No
No
No
Yes
Yes
Yes
  
Gold: Yes
Classic: No
Price Protection
No
No
No
No
No
No
No
No
No
No
No
No
No
No
No
Price Protection
Extended Warranty Plan
Yes
No
Plat: Yes
No
No
Yes
Yes
Yes
Yes
Yes
  
Yes
Extended Warranty Plan
Platinum / Gold / Gold Low Fee / Low Fee:Yes
Yes
Yes
Yes
Yes
Yes
No
Yes
Yes
Yes
No
No
Yes
Yes
Yes
Extended Warranty Plan
Free Companion Air Ticket
No
No
No
No
No
No
No
No
No
No
  
No
Free Companion Air Ticket
No
No
No
No
No
No
No
No
No
No
No
No
No
No
No
Free Companion Air Ticket
Business Class Lounge Access
No
No
No
No
No
No
free membership in Priority Pass + three complimentary VIP lounge visits per membership year
No
No
No
  
No
Business Class Lounge Access
No
No
No
No
No
No
No
No
No
No
No
No
No
No
No
Business Class Lounge Access
Priority Check In
No
No
No
No
No
No
No
No
No
No
  
No
Priority Check In
No
No
No
No
No
No
No
No
No
No
No
No
No
No
No
Priority Check In
Hotel Burglary Insurance
No
No
No
No
No
No
No
No
No
No
  
No
Hotel Burglary Insurance
No
No
No
No
No
No
No
No
Yes
Yes
No
No
No
No
No
Hotel Burglary Insurance
Travel Concierge Service
No
No
No
No
No
No
Yes
Yes
No
No
  
No
Travel Concierge Service
No
No
No
No
No
No
No
No
No
Yes
No
No
Yes
No
No
Travel Concierge Service
Enhanced Hotel/Dining Services
No
No
No
No
No
No
Yes
No
No
No
  
No
Enhanced Hotel/Dining Services
No
No
No
No
No
No
No
No
No
No
No
No
Yes
No
No
Enhanced Hotel/Dining Services
Overlimit Extended Purchasing
No
No
No
No
No
No
No
No
No
No
  
No
Overlimit Extended Purchasing
No
No
No
No
No
No
No
No
No
No
No
No
No pre-set spending limit
No
No
Overlimit Extended Purchasing
Link to Apply
  
Link to Apply
Link to Apply
Notes:
* - Until Jun 30, 12
*** Fee Applies
*** Fee Applies
* Yearly fee ranging from $29-$99
*** Fee Applies
Travel can be purchased from any travel supplier with a credit made to your card
Travel can be purchased from any travel supplier with a credit made to your card
 
Notes:
 
N/A
Travel can be purchased from any travel supplier with a credit made to your card
Travel can be purchased from any travel supplier with a credit made to your card
Notes:
Home | Terms of Use/Privacy Policy | About Us | Advertise | Contact Us
©2001-2012 Rewards Canada. Part of The Frequent Flyer Bonuses Group