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Canada's Top Travel Rewards Credit Cards 2021

Posted on January 25, 2021


Canada's Top Travel Rewards Credit Cards

Welcome to Rewards Canada's 13th annual Canada's Top Travel Rewards Credit Cards!

Canada's original travel rewards credit card rankings!


When we released our 2020 rankings last January we had no clue what would transpire for the remainder of that year! The Coronavirus Pandemic severely curtailed travel for all but two months of the year and that continues to be the case into 2021. In fact with recent changes to Canada's requirements for negative PCR tests to fly back here on top of the 14 day quarantine followed suit by the U.S. travel for at least the first half of this year will not be happening for a lot of people. So that brings us this years rankings and the theme this year is travel planning! Planning for that future travel is what most of us are doing right now, whether it is for the latter half of 2021 or not even until 2022, travel in the near term isn't on many people's radar. That's where these top cards come into play and can really help to cut the costs of that future travel. Getting one of these cards does not mean you have to travel right away, in fact it can be quite the opposite. Getting the right card right now allows you to spend for a longer period of time and accumulate a ton of points and/or miles that can help you pay for travel down the line. If travel is not in the cards be sure to check out Canada's Top Cash Back Credit Cards 2021

This year's rankings do see some cards move up and down the ranks and we also replace the Coalition Card category with the Ultra Premium Card category. Outside of the pandemic the biggest news on the travel rewards credit card front over the past 12 months was the launch of the new Air Canada Aeroplan program and the revamping of all the Aeroplan co-brand credit cards. The new Aeroplan program and its cards are now factored into our airline card and ultra premium card rankings. Also considered are any and all new cards and card changes that have happened over the past year from all issuers. Much like the past two years of rankings we won't list all the factors in our decision making process on this main page rather if you want more details on our consideration process you can read the factors behind our rankings right here




Top 5 Cards Overall

These are the the crème de la crème of travel rewards cards in Canada. The best cards overall from the five separate categories listed further below.

1

American Express Cobalt Card
American Express Cobalt Card

New limited time welcome offer: Earn up to 50,000 welcome bonus points! (The best ever bonus seen on this card!)

Taking the top spot for the fourth year in a row the American Express Cobalt card has definitely set the tone with competitors bumping up their offerings but this card's unmatched value and flexibility keep it on top. The card provides up to a 5% return towards any travel bookings thanks to earning 5x points on eats and drinks which actually levels up to a 10% return if you utilize Amex's Fixed Points for Travel program. Not to mention you can convert the points to airline programs like Air Canada Aeroplan and British Airways Executive Club, tohotel 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!

Click here to learn more and to apply for this card

2

American Express Gold Rewards Card

American Express Gold Rewards Card

•  New American Express® Gold Rewards Cardmembers can earn a Welcome Bonus of 50,000 Membership Rewards® points when you charge $3,000 in purchases to your Card in your first 3 months of Cardmembership 

After running in the shadows of the Cobalt Card, this long time front running card has been transformed into a travel benefits powerhouse. Priority Pass membership and four Plaza Premium Lounge access passes each year, a $50 NEXUS Credit and an annual $100 travel credit make this card into a travellers dream. It still provides the utmost in travel rewards flexibility with its points and a nice sign up bonus of up to 60,000 points.

Click here to learn more and to apply for this card

3

TD Aeroplan Visa Infinite Card

TD® Aeroplan® Visa Infinite* Card

Earn up to 25,000 Aeroplan points and a bonus Buddy Pass. Plus, first year no Annual Fee. †
Must apply by March 6, 2022.

The new Air Canada Aeroplan program launched in November 2020 and with it came an entirely revamped suite of Aeroplan co-brand credit cards. Many of the cards provide a ton of value but when we look at which card makes the most sense for the most Canadians it is the mainstay card of the program - the TD Aeroplan Visa Infinite Card. With the ability to redeem points to almost any destination worldwide in Economy to Business to First Class the Aeroplan program is tough to compete with if you know how to make those most it. Add in new card features like first checked bag free, discounted reward flight pricing, a NEXUS credit and more this card quickly moved into our top 5 cards overall!

Click here to learn more and to apply for this card

This offer is not available for residents of Quebec. For Quebec residents, please click here.
† Terms and Conditions apply.

4

Marriott Bonvoy
Marriott Bonvoy™ American Express®* Card

• New Marriott BonvoyTM  American Express Cardmembers, earn 70,000 Welcome Bonus points after you charge $1,500 in net purchases to your Card in your first 3 months of Cardmembership
• Plus, earn a total of 5 points for every $1 on eligible travel & gas purchases in Canada for your first 3 months of Cardmembership (up to 15,000 points). Offers subject to change at any time

Another long time running top card the Marriott Bonvoy American Express Card is virtually unknown to many Canadians and that's unfortunate as it provides a ton of value and benefits. 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.

Click here to learn more and to apply for this card

5


HSBC World Elite Mastercard

Earn up to 100,000 Points. PLUS a full annual fee rebate for the Primary Cardholder for the first year

Knocking out one of its biggest competitors which was the RBC Avion Visa Infinite Card, the relatively new HSBC World Elite Mastercard is proving to be an amazing contender in our market. With earn rates that give you 1.5% to 3% back on your spending when you redeem for any travel (yes any travel with any travel provider) On top of that you can convert points to three airline programs (British Airways being the most popular), a $100 annual travel enhancement credit, business class lounge access and the biggie - no foreign transaction fees. Whether you do travel lots or shop online in other currencies you'll save on average 2.5% over most cards in Canada.

Click here to learn more and to apply for this card





Top Travel Points Cards

A Travel Points Credit Card earns points that can be used to book travel via that credit card's reward program travel agency and/or give you the ability to book travel how you want, with whomever you want and then you can use the points towards the charge on your account. These are the best five cards in this category. To learn more about a card or to apply for it click on the card name or scroll further below where we provide card details.

1


Scotiabank Gold American Express Card

2


Scotiabank Passport Visa Infinite Card

3


CIBC Aventura® Visa Infinite* Card

4


BMO World Elite Mastercard

5


TD® First Class Travel® Visa Infinite* Card


Top No Fee Travel Rewards Credit Cards

A Travel Points Credit Card earns points that can be used to book travel via that credit card's reward program travel agency and/or give you the ability to book travel how you want, with whomever you want and then you can use the points towards the charge on your account

1


mbna Rewards Platinum Plus Mastercard

2


American Express® Green Card

3


mbna Best Western Mastercard

4


CIBC Aventura® Visa* Card

5


Scotiabank American Express Card


Top Hybrid Credit Cards

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 and/or give you the ability to book travel how you want, with whomever you want and then you can use the points towards the charge on your account. (This is Rewards Canada's favourite category of cards)

1


American Express Cobalt™ Card

2


American Express® Gold Rewards Card

3


HSBC World Elite Mastercard

4


RBC Avion Visa Infinite

5


The Platinum Card from American Express




Top Airline Credit Cards

An airline credit card earns miles or points directly into that airline's frequent flyer program

1


TD® Aeroplan® Visa Infinite* Card

2


WestJet RBC World Elite Mastercard

3

Amex Aeroplan
American Express® Aeroplan®* Card

4


mbna Alaska Airlines World Elite Mastercard

5


RBC British Airways Visa Infinite Card


Top Ultra Premium Credit Cards

An ultra premium credit card is one that carries a hefty annual fee ($200+) that can actually fit into any of our categories across the rankings. From airline to hybrid to travel points they are covered here and you get better rewards and a lot more benefits with these cards. These cards also have higher income requirements.

1


The Platinum Card from American Express

2


American Express® Aeroplan®* Reserve Card

3


TD® Aeroplan® Visa Infinite* Card

4


RBC Avion Visa Infinite Privilege Card

5


BMO eclipse Visa Infinite Privilege* Card


Expanded details for the top 5 cards in each category

Click on the category name to see the details on the five cards in each category

 


Card Previous Rankings

Scotiabank Gold American Express Card
Canada's Top Travel Points Card Canada's Top No Foreign Transaction Fee Card

Scotiabank Gold American Express Card

2024 Top Travel Points Credit Card with an annual fee | 2024 Top No Foreign Transaction Fee Credit Card

Earn up to $650* in value in the first 12 months, including up to 40,000 bonus Scene+ points¹. Offer ends Jul 1, 2024

Annual Fee: $120 | Additional Cards: $29 | Minimum Income $12,000



Terms & Conditions apply




  • Bonus offer broken down as follows:
    - Earn 20,000 bonus Scene+ Rewards points by making at least $1,000 in everyday eligible purchases in your first 3 months.
    - Earn 20,000 bonus Scene+ Rewards points when you spend $7,500 within your first 12 months
  • You will not pay 2.5% foreign transaction fees on any foreign currency purchases, including online shopping and when travelling abroad. Only the exchange rate applies
  • You’ll earn 6X Scene+ points for each $1 CAD charged to your account on all eligible purchases1 at Sobeys, IGA, Safeway, Foodland, FreshCo, Voilà by Sobeys, Voilà by IGA, Voilà by Safeway, Chalo! FreshCo, Thrifty Foods, IGA West, Les Marchés Tradition, Rachelle Béry and Co-Op.
  • Earn 5X Scene+ points for every $1 CAD spent on eligible grocery stores, restaurants, fast food, and drinking establishments. Includes popular food delivery and food subscriptions
  • Earn 3X Scene+ points for every $1 CAD spent on eligible gas and daily transit. Includes rideshare, buses, taxis, subway, and more
  • Earn 1X Scene+ point for every $1 spent on every other purchase
  • Complimentary Concierge Services 24/7
  • Amex exclusive benefits (Front Of The Line)
  • Use your points to purchase travel online or over the phone through our full-service travel agency. Or book your own travel using your card and go online to redeem points for the purchase.
  • Receive up to 25% off qualifying car rentals
  • Travel emergency medical coverage is automatically provided for eligible persons for up to 25 consecutive days
  • Redeem points for merchandise and other rewards
  • Click here to apply for Scotiabank Gold American Express Card

*See Card Provider's website and Card Application for complete card details, terms and current offers. Reasonable efforts are made to maintain accuracy of information

2020: 1
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 Canada's Choice Top No Foreign Transaction Fee Card

Scotiabank Passport Visa Infinite Card

Canada's Choice for Top No Foreign Transaction Fee Rewards Credit Card 2023

Earn up to $1,300+ in value in the first 12 months, including up to 40,000 bonus Scene+ points¹ and first year annual fee waived¹. Offer ends Jul 1, 2024

Annual Fee: $150 | Additional Cards: $0 for first card $50 for each additional | Minimum Income $60,000



Terms & Conditions apply




  • Bonus offer broken down as follows:
    - Earn 30,000 bonus Scene+ Rewards points by making at least $1,000 in everyday eligible purchases in your first 3 months.
    - Plus, as a Scotiabank Passport Visa Infinite cardholder, you are eligible to earn an annual 10,000 Scene+ Rewards point bonus when you spend at least
    $40,000 in everyday net eligible purchases annually.
    - $150 primary card fee waiver for the first year
  • You’ll earn 3X Scene+ points for each dollar charged to your account on all eligible purchases1 at Sobeys, IGA, Safeway, Foodland, FreshCo, Voilà by Sobeys, Voilà by IGA, Voilà by Safeway, Chalo! FreshCo, Thrifty Foods, IGA West, Les Marchés Tradition, Rachelle Béry and Co-Op.
  • Earn 2x Scene+ Rewards® points on every $1 you spend on eligible grocery stores, dining, entertainment purchases and daily transit purchases (including buses, subways, taxis and more)
  • No Foreign Transaction Fee
  • 6 Complimentary Airport Lounge Access
  • Comprehensive Travel Insurance coverage
  • Visa Infinite* Concierge Services
  • Visa Infinite* Hotel Collection
  • Visa Infinite* Dining and Wine Country program
  • Click here to apply for Scotiabank Passport Visa Infinte Card

*See Card Provider's website and Card Application for complete card details, terms and current offers. Reasonable efforts are made to maintain accuracy of information. Rates, fees and other information are effective as of Jan.4, 2024. Subject to change.

2020: 2
2019: 1

CIBC Aventura® Visa Infinite* Card



CIBC Aventura® Visa Infinite* Card

Welcome Offer: Join and get up $1,500 in value including a first year annual fee rebate!†

Annual Fee $139 | Additional Cards (Up to 3): $50 | Annual interest rate 20.99%† on purchases and 22.99%† on cash advances and 22.99% † on balance transfers | $60,000 personal or $100,000 household annual income †



Terms & Conditions apply




  • Here's how You can get up to $1,500 in value:
  • Get a total of up to 45,000 Aventura Points (up to $900 in travel value†)
  • 15,000 Aventura Points when you make your first purchase†
  • 30,000 Aventura Points when you spend $3,000 or more in the first 4 monthly statement periods†
  • Get a one-time annual fee rebate ($139) for you (the primary cardholder) and up to three authorized users ($50 each, $150 in value): up to $289 value.†
    Elevate your airport experience with 4 complimentary visits at 1,200+ lounges globally through Visa Airport Companion Program: up to $261 in value.†
  • Plus, get a NEXUS◊ Application Fee rebate†: A $50 value†

  • 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, EV charging, grocery stores and drug stores†
  • 1 Point for every $1 spent on all other purchases†

  • Save on gas with CIBC and Journie Rewards
    Link and use your CIBC Aventura Visa Infinite Card with Journie Rewards to save up to 10 cents per litre† at participating Pioneer, Fas Gas, Ultramar and Chevron gas stations.†

    Plus, enjoy extra valuable travel benefits
  • Travel when it’s right for you – your Aventura Points don’t expire
  • Redeem your Aventura Points for more than travel with our Shop With Points/Pay with Points features
  • Travel local - Aventura Points can be redeemed for more than just flights – use your points for hotels and car rentals for a weekend getaway
  • This offer is not available for residents of Quebec.
  • Click here to apply for the CIBC Aventura® Visa Infinite* Card

This is a digital-exclusive offer.†
To be eligible for this offer:  
1) this offer must have been directly communicated to you from CIBC or from a partner/affiliate; and 
2) you must apply for the eligible card through the link provided in the CIBC or partner/affiliate communication to you.†
This offer is reserved for you. Please do not forward it to anyone else.

CIBC may approve your application, but you are not eligible to receive this Offer if you have opened, transferred or cancelled another Aventura card within the last 12 months.†

† Terms & Conditions Apply

2020: 3
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

BMO Ascend<sup>TM</sup> World Elite®* Mastercard®*

BMO AscendTM World Elite®* Mastercard®*

Welcome offer: Get up to 90,000 points and the annual fee waived in the first year for both the primary cardholder and authorized users.*
Bonus offer awarded as follows: 45,000 points when you spend $4,500 in the first 3 months, and 3,750 points for each subsequent month in which you make at least $2,500 in purchases on your card, for 12 months.

Annual Fee: $150 Primary Card (Waived in first year) | $50 Secondary Card | Interest Rate: Purchases 20.99% Cash Advances 23.99% (21.99% for Quebec residents)



Terms & Conditions apply




  • 5x the points for every $1 spent on eligible travel purchases,*
  • 3x the points for every $1 spent on eligible dining and entertainment purchases and recurring bill payments,*
  • 1 point for every $1 spent everywhere else.*
  • Now get the highest rewards points for travel of any premium flexible travel card in Canada!†
  • Complimentary membership in Mastercard Travel Pass provided by DragonPass,* with four annual complimentary passes.
  • Access over 1 million Wi-Fi hotspots around the world - all at no added cost, and no added fees or roaming charges*
  • Get valuable benefits and offers for digital everyday services from a variety of on-demand apps and subscription services
  • Points you can use to cover all flight charges & taxes*
  • Fly on any airline, with no blackout dates*
  • Best-in-class travel and medical insurance (unlimited trips per year)*
  • BMO Concierge Service*
  • Unlock Mastercard Travel Rewards cashback offers when you travel and shop outside of Canada
  • Click here to apply for BMO AscendTM World Elite®* Mastercard®*

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
†Statement based on a comparison of the redeemable value of the non-promotional travel rewards points earned on premium flexible Canadian credit cards as of May 3, 2022. “Flexible” is defined as points earned when you purchase travel anywhere and “premium” refers to cards with an annual fee of ≤ $150 or has an income requirement of ≤ $150,000 annual individual income.

2020: 4
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

Earn up to $800 in value†, including up to 100,000 TD Rewards Points† and no Annual Fee for the first year†
Conditions Apply. Account must be approved by June 3, 2024

Annual Fee: $139 | Additional Cards: $50 † | Annual interest rate 20.99% on purchases and 22.99% on funds advances | $60,000 personal or $100,000 household annual income



Terms & Conditions apply




  • Earn up to $800 in value†, including up to 100,000 TD Rewards Points, no Annual Fee for the first year† and additional travel benefits. Conditions Apply. Account must be approved by June 3, 2024.
    • Earn a welcome Bonus of 20,000 TD Rewards Points when you make your first Purchase with your Card†.
    • Earn 80,000 TD Rewards Points when you spend $5,000 within 180 days of Account opening†.
    • Earn a Birthday Bonus of up to 10,000 TD Rewards Points†
    • Get an annual TD Travel Credit† of $100 when you book at Expedia® For TD.
    • Get an Annual Fee Rebate for the first year†.
  • 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 first Additional Cardholder first-year annual fee rebate, you must add your first Additional Cardholder by June 4, 2024.

  • Earn 8 TD Rewards Points† for every $1 you spend when you book travel through Expedia® For TD†
  • Earn 6 TD Rewards Points† for every $1 you spend on Groceries and Restaurants†.
  • Earn 4 TD Rewards Points† for every $1 you spend on regularly recurring bill payments set up on your Account†
  • Earn 2 TD Rewards Points For every $1 you spend on other Purchases made using your Card† plus earn an annual Birthday Bonus† of up to 10,000 TD Rewards Points
  • Your TD Points don’t expire as long as you are a TD First Class Travel Visa Infinite* Cardholder

  • An annual TD Travel Credit† of $100 when you book at Expedia® For TD.
  • TD Rewards Birthday bonus† that helps you celebrate in style.
  • An extensive suite of travel insurance coverages which helps you travel prepared
  • No travel blackouts†, no seat restrictions† and no expiry† for your TD Rewards Points as long as your account is open and in good standing.
  • Redeem your TD Rewards Points towards making purchases at Amazon.ca with Amazon Shop with Points. Conditions apply. See more details.

This offer is not available for residents of Quebec. For Quebec residents, please click here.

† Terms and Conditions apply.

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 and current information on any TD product, please click the Apply Now button.

2020: 5
2019: 5
2018: 4
2017: 4
2016: 4
2015: 4
2014: 4
2013: 3
2012: 2
2011: 3 in Hybrid
2010: 3 in Hybrid
Card Previous Rankings

MBNA Rewards Platinum Plus® Mastercard®



MBNA Rewards Platinum Plus® Mastercard®

Earn up to 10,000 MBNA Rewards Points†

5,000 bonus points†† ($25 in cash back value) after you make $500 or more in eligible purchases within the first 90 days of your account opening.
5,000 bonus points†† ($25 in cash back value) once enrolled for paperless e-statements within the first 90 days of account opening.

$0 annual fee | $0 Additional Card



Terms & Conditions apply




  • Earn 4 points†† for every $1 spent on eligible restaurant, grocery, digital media, membership and household utility purchases during the first 90 days, and 2 points‡ for every $1 spent on eligible purchases in those categories thereafter – in both cases, these earn rates apply until $10,000 is spent annually in the applicable category. 1 point for every $1 spent on all other eligible purchases.
  • Each year, you will receive Birthday Bonus Points‡ equal to 10% of the total number of Points earned in the 12 months before the month of your birthday, to a maximum Birthday Bonus each year of 10,000 Points.
  • Redeem points for cash back, brand-name merchandise, gift cards from participating retailers, charitable donations, and travel.
  • Standard Annual Interest Rates of 19.99% on purchases, 22.99% on balance transfers and 24.99% on cash advances.
  • Mobile Device Insurance***
    With Mobile Device Insurance, you’ve got up to $1,000 in coverage for eligible mobile devices in the event of loss, theft, accidental damage or mechanical breakdown.
  • No annual fee.
  • This offer is not available for residents of Quebec.  For residents of Quebec, please click here.
  • Click here to apply for the MBNA Rewards Platinum Plus® Mastercard®

‡ ††, ‡, ✪, ***, ††††, Terms and Conditions apply.

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.

The Toronto-Dominion Bank is the issuer of this credit card. MBNA is a division of The Toronto-Dominion Bank. ®MBNA and other-trademarks are the property of The Toronto-Dominion Bank..

2020: 1st
2019: 1st
2018: 4th
2017: Out of the top 5

American Express Green Card

Top No Fee Travel Rewards Credit Card

American Express® Green Card

2023 Top No Fee Travel Rewards Credit Card
Get the Card that lets you live in the moment while getting ready for the future. The American Express® Green Card lets you go for it with every swipe or tap of your Card

As a new American Express® Green Cardmember, you can earn a Welcome Bonus of 10,000 Membership Rewards® points when you charge $1,000 in purchases to your Card in the first 3 months of Cardmembership.  That’s $100 towards groceries or concert tickets

Annual Fee: $0 | Additional Card Fee: $0 | Annual interest rate 20.99% on purchases and 21.99% on funds advances; Missed payment applicable rates, 25.99% - 28.99% Variable



Terms & Conditions apply




  • Earn 1x the points on Card purchases
  • Charge an eligible purchase to your Card and redeem your Membership Rewards points for a statement credit (All eligible purchases: 1,000 points = $10 statement credit)
  • With American Express Experiences and Front Of The Line®, American Express Cardmembers get access to amazing events in Canada
  • Transfer points 1:1 to several frequent flyer and other loyalty programs
  • 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
  • Click here to apply for the American Express Green Card

New to the rankings



mbna Best Western Mastercard®

This card is no longer available to new applicants. MBNA will continue to support the card for existing clients.

2020: 2
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

Welcome Offer: Join and get up to $100 in value† for no annual fee.†

Annual Fee $0 | Additional Cards (Up to 3): $0 | Annual interest rate 20.99%† on purchases and 22.99%† on cash advances and 22.99% † on balance transfers | $15,000 household annual income



Terms & Conditions apply




  • Here’s how it adds up:
    • Get up to 10,000 Aventura Points (up to $100 in travel value†):
    • 2,500 Aventura Points when you complete all five activities within 60 days of your CIBC Aventura® Visa* account approval.†
    • 7,500 Aventura Points after you make your first purchase within first 4 months.†

  • 1 Point for every $1 spent on travel purchased through the CIBC Rewards Centre†
  • 1 Point for every $1 spent at eligible gas stations, EV charging, grocery stores and drug stores†
  • 1 Point for every $2 spent on all other purchases†

  • Save on gas with CIBC and Journie Rewards
    Link and use your CIBC Aventura Visa Card with Journie Rewards to save up to 10 cents per litre† at participating Pioneer, Fas Gas, Ultramar and Chevron gas stations.†

    Plus, enjoy extra valuable travel benefits
  • Travel when it’s right for you – your Aventura Points don’t expire†
  • Redeem your Aventura Points for more than travel with our Shop With Points/Pay with Points features†
  • Travel local - Aventura Points can be redeemed for more than just flights – use your Points for hotels and car rentals for a weekend getaway
  • This offer is not available for residents of Quebec.
  • Click here to apply for the CIBC Aventura® Visa* Card

This is a digital-exclusive offer.†
To be eligible for this offer:  
1) this offer must have been directly communicated to you from CIBC or from a partner/affiliate; and 
2) you must apply for the eligible card through the link provided in the CIBC or partner/affiliate communication to you.†
This offer is reserved for you. Please do not forward it to anyone else. 

CIBC may approve your application, but you are not eligible to receive this Offer if you have opened, transferred or cancelled another Aventura card within the last 12 months.†

† Terms & Conditions Apply

2020: 3
2019: 3
2018: Not in the top 5

Scotiabank American Express Card

Scotiabank American Express Card

Earn up to 7,500 bonus Scene+ points within your first year (that’s up to $75 towards travel)¹ Offer ends Jul 1, 2024

Earn 2,500 bonus Scene+ points by making at least $750 in everyday eligible purchases in your first 3 months.
Plus, for a limited time, you are eligible to earn a 5,000 Scene+ point bonus when you spend at least $1,000 in everyday eligible purchases in your first year.

Annual Fee: $0 | Additional Cards: $0



Terms & Conditions apply




  • Earn 3X Scene+ points for each dollar charged to your account on all eligible purchases1 at Sobeys, IGA, Safeway, Foodland, FreshCo, Voilà by Sobeys, Voilà by IGA, Voilà by Safeway, Chalo! FreshCo, Thrifty Foods, IGA West, Les Marchés Tradition, Rachelle Béry and Co-Op.
  • Earn 2X Scene+ points for every $1 CAD spent on eligible grocery stores, restaurants, fast food, and drinking establishments. Includes popular food delivery and food subscriptions
  • Earn 2X Scene+ points for every $1 CAD spent on eligible entertainment, including movies, theatres and ticket agencies
  • Earn 2X Scene+ points for every $1 CAD spent on eligible gas and daily transit. Includes rideshare, buses, taxis, subway, and more
  • Earn 2X Scene+ points for every $1 CAD spent on eligible select streaming services
  • Earn 1X Scene+ point for every $1 spent on every other purchase
  • Click here to apply for Scotiabank American Express Card

*See Card Provider's website and Card Application for complete card details, terms and current offers. Reasonable efforts are made to maintain accuracy of information

2020: 4
2019: Not in the top 5
Card Previous Rankings

American Express Cobalt Card

Top Overall Travel Rewards Credit Card Top Hybrid Travel Credit

American Express Cobalt® Card

2024 Top Overall Travel Rewards Card | 2024 Top Hybrid Travel Rewards Card
In your first year as a new Cobalt Cardmember, you can earn 1,250 Membership Rewards® points for each monthly billing period in which you spend $750 in net purchases on your Card. This could add up to 15,000 points in a year. That’s up to $150 towards a weekend getaway or concert tickets

Monthly Fee $12.99/month of Cardmembership ($155.88 annually) | Additional Cards: $0 | Annual interest rate 20.99% on purchases and 21.99% on funds advances

  • Earn 5x the points on eligible eats and drinks in Canada, including groceries and food delivery. Spend cap applies.
  • Earn 3x the points on eligible streaming subscriptions in Canada
  • Earn 2x the points on eligible ride shares, transit & gas in Canada
  • Earn 1 additional point on eligible hotel and car rental bookings via American Express Travel Online 
  • Earn 1x point for every $1 in Card purchases everywhere else
  • Enjoy access to hotel bookings, and up to $100 USD hotel credit  to use on amenities when charged to the room for a stay of 2 or more consecutive nights through The Hotel Collection from American Express Travel
  • Transfer points 1:1 to several frequent flyer and other loyalty programs
  • Cobalt Cardmembers receive regular Perks such as bonus reward offers and access to great events
  • Access Front Of The Line® Presale & Reserved Tickets to some of your favourite concerts and theatre performances and special offers and events curated for Cardmembers with American Express® Experiences
  • 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. If you apply and get approved for an American Express Card, (I/we) may receive compensation from American Express, which can be in the form of monetary payment
  • Click here to apply for the American Express Cobalt Card
2020: 1
2019: 1
2018: 1

American Express Gold Rewards Card



American Express® Gold Rewards Card®

Ranked the 3rd best overall travel rewards credit card in Canada
Earn up to 60,000 Membership Rewards® points

New American Express® Gold Rewards Cardmembers, earn 5,000 Membership Rewards® points for each monthly billing period in which you spend $1,000 in net purchases on your Card
This could add up to 60,000 points in a year. That’s up to $600 towards your next vacation.

Annual Fee: $250 | Additional Card Fee: $0 for first additional a card, $50 for all others | Annual interest rate 20.99% on purchases and 21.99% on funds advances; Missed payment applicable rates, 25.99% - 28.99% Variable



Terms & Conditions apply




  • Earn 2 points for every $1 in Card purchases for eligible travel purchases, including flights, hotels, car rentals, cruises, and more
  • Earn 2 points for every $1 in Card purchases at eligible gas stations, grocery stores and drugstores in Canada, and 1 point for every $1 in Card purchases everywhere else
  • The Card is now available in your choice of Gold or Rose Gold metal options
  • Receive a $50 CAD statement credit when a NEXUS application or renewal fee is charged to your American Express Gold Rewards Card
  • You have access to an annual $100 CAD Travel Credit, compliments of your American Express Gold Rewards Card. Use the credit once annually towards any single travel booking of $100 or more charged to your Gold Rewards Card through American Express Travel Online
  • As a Gold Rewards Cardmember, you can receive complimentary membership in Priority PassTM  – one of the world’s largest independent airport lounge programs. Escape the chaos of airports and relax in an oasis of calm and simply enjoy the fact that the travel experience has begun before your plane has even left the ground. Enrollment is required and entry fees apply
  • Enjoy four (4) complimentary visits per Calendar year to Plaza Premium Lounges across Canada. Entry fees apply once complimentary visits have been used
  • Charge any eligible purchase to your credit Card then log in to redeem your earned points for a statement credit
  • Transfer points 1:1 to several frequent flyer and other loyalty programs
  • 1 Free Additional Gold Rewards Card (a $50 value) to help you earn points faster
  • • Subject to approval. The preferred rate for purchases is 20.99% and funds advances is 21.99%. If you have Missed Payments, the applicable rates for your account will be 25.99% and/or 28.99%. See the information box included with the application for the definition of Missed Payment and which rates apply to charges on your account and other details
  • *American Express is not responsible for maintaining of monitoring the accuracy of information on this website. For full details and current product information click the Apply now link. Conditions apply.
  • Click here to apply for the American Express Gold Rewards Card

2020: 2
2019: 2
2018: 2
2017: 1
2016: 1
2015: 1
2014: 1
2013: 1
2012: 1
2011: 1
2010: N/A

HSBC World Elite® Mastercard® Top No FX Fee Credit Card

HSBC World Elite® Mastercard®

Top No Foreign Transaction Fee Credit Card for 2023

Primary Cardholder Annual Fee: $149 (1st year annual fee rebate*) | Authorized User Annual Fee: $0 Per Card | Annual interest rate: 20.99% on purchases and 22.99% on cash advances and balance transfers. | $80,000 personal or $150,000 household annual income



This card has been closed to new applications





• Receive a $100 annual travel enhancement credit*

• With the HSBC World Elite Mastercard you earn 6 points for $1 in Net Purchases which are Travel Purchases, 4 Points for $1 in Net Purchases that are Gas, Grocery and Drugstore Purchases and 2 Points for $1 in Net Purchases, other than Travel, Gas, Grocery and Drugstore Purchases.
• Save on all your foreign currency purchases (even online) with no additional foreign currency conversion charges.
• Enjoy maximum flexibility and redeem your Points on your terms for:

• Travel
• Gift cards and valuable merchandise
• Financial rewards
• Rewards for miles

*Terms and Conditions apply
®/TM Mastercard and World Elite are registered trademarks, and the circles design is a trademark of Mastercard International Incorporated. Used pursuant to licence

This offer is only available to residents of Canada other than the province of Quebec (Quebec residents eligible for separate offer)

2020: 5
2019: 4

RBC Avion Visa Infinite Card

RBC Avion Visa Infinite Card

Get up to 55,000 Avion points** (a value of up to $1,100), that’s enough to fly anywhere in North America or the Caribbean! (Taxes and Fees extra)

Annual Fee: $120 | Additional Card Fee: $50 | 20.99% on purchases 22.99%* on cash advances and balance transfers *21.99% if you reside in Quebec.



Terms & Conditions apply




  • Get 35,000 Welcome Points on approval and 20,000 bonus points when you spend $5,000 in your first 6 months**. Apply by April 30, 2024.
  • Earn 1 Avion point for every dollar you spend* and an extra 25% on eligible travel purchases.
  • When you are ready to travel again, Avioners can book flights with points on any airline, on any flight, at any time, early or last minute, with no blackout periods or restrictions.
  • Avioners earn points that never expire so your points will be waiting for your next adventure.
  • Redeem your points for travel and more. Use points for anything from paying bills and paying your card balance to redeeming for Gift Cards and Merchandise at top brands like Apple. The Avion Rewards program gives you the freedom of choice to use your points your way, and helps you make the most as an Avioner.
  • Eligible Avion Rewards members can also convert points to other loyalty programs including WestJet dollars, British Airways Avios points and Hudson’s Bay Rewards points.
  • Link your RBC card with a Petro-Points membership to instantly save 3₵ per litre on fuel at Petro-Canada stations and earn 20% more Petro-Points and 20% more Avion rewards points
  • Link your RBC card with a Rexall Be Well account and get 50 Be Well points for every $1 spent on eligible products at Rexall. Redeem Be Well points faster for savings in store on eligible purchases where 25,000 Be Well points = $10
  • Get access to RBC offers which provides access to earn points faster at specified brands
  • Extensive insurance including: mobile device insurance, travel insurance (trip cancellation, interruption and emergency medical) and other eligible purchases to protect you and your family
  • Avioners get access to luxury Visa Infinite benefits including first in line for exclusive events, and hotel and dining benefits.
  • Avioners no longer need 14-days to book travel using the RBC grid
  • 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
  • Get $0 delivery fees for 12 months from DoorDash17 - Add your eligible RBC credit card to your DoorDash account to:
    • Get a 12-month complimentary DashPass subscription18 – a value of almost $120
    • Enjoy unlimited deliveries with $0 delivery fees on orders of $15 or more when you pay with your eligible RBC credit card

Corresponding legal references and product terms are available on the RBC website, which will be available and agreed upon in the customer onboarding process.

2020: 3
2019: 3
2018: 3
2017: 2
2016: 2
2015: 2
2014: 2
2013: 2
2012: 2
2011: 2
2010: 1

The Platinum Card from American Express

Top Ultra Premium Travel Rewards Credit Card

The Platinum Card®

2024 Top Ultra Premium Credit Card
Earn up to 100,000 Membership Rewards® points - that’s up to $1,000 towards a weekend away

Annual Fee: $799 | Additional Card Fee: $250 for Platinum, $0 for Gold (First 2 Cards) then $50 each



Terms & Conditions apply




  • New Platinum® Cardmembers, earn 70,000 Welcome Bonus points after you charge $10,000 in net purchases to your Card in your first 3 months of Cardmembership
  • Plus, earn 30,000 points when you make a purchase between 14 and 17 months of Cardmembership

  • Earn 2 points for every $1 in Card purchases on eligible dining and food delivery in Canada, 2 points for every $1 in Card purchases on eligible travel, and 1 point for every $1 in all other Card purchases
  • Access a $200 Annual Travel Credit through American Express Travel Online or Platinum® Card Travel Service
  • Enjoy a $200 Annual Dining Credit at some of Canada’s best restaurants
  • Unlock $200 or more in additional value with Member extras. You can earn statement credits for qualifying purchases with participating brands

  • Take full advantage of The American Express Global Lounge CollectionTM  which unlocks access to over 1300 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 flexible ways to use your points such as statement credits for any eligible purchase charged to your Card, new travel purchases booked on American Express Travel Online through the Flexible Points Travel Program, and eligible flights through the Fixed Points Travel Program
  • Transfer points 1:1 to several frequent flyer and other loyalty programs
  • Enjoy complimentary benefits that offer an average value of $750 CAD at over 1,300 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
  • You will also have access to many leading hotel and car rental companies’ loyalty programs. Our partners include Marriott International, Hilton Hotels and Resorts, Hertz and Avis

  • Interest applies in accordance with your Cardmember Agreement, Information Box, and Disclosure statement if the total New Balance is not paid by the Payment Due Date each month. All payments must be received by the Payment Due Date shown on the monthly statement
  • 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. If you apply and get approved for an American Express Card, (I/we) may receive compensation from American Express, which can be in the form of monetary payment
  • Click here to apply for The Platinum Card from American Express

2020: 5
2019: 5
2018: 4
2017: 3
2016: 3
2015: 3
2014: 3
2013: 3
2012: 3
Card Previous Rankings

TD Aeroplan Visa Infinite Card Top Airline Credit Card

TD® Aeroplan® Visa Infinite* Card

2024 Top Airline Credit Card
Earn up to $1,200 in value† including up to 50,000 Aeroplan points†
Conditions Apply. Account must be approved by June 3, 2024.

Annual Fee $139 | Additional Cards: $75 † | Annual interest rate 20.99% on purchases and 22.99% on funds advances | $60,000 personal or $100,000 household annual income



Terms & Conditions apply




Earn up to $1,200 in value†, including up to 50,000 Aeroplan points† (enough for a round trip to New York City†), and additional travel benefits. Account must be approved by June 3, 2024.

  • Earn a welcome bonus of 10,000 Aeroplan points when you make your first purchase with your new card†
  • Earn 20,000 Aeroplan points when you spend $6,000 within 180 days of Account opening†
  • Plus, earn a one-time anniversary bonus of 20,000 Aeroplan points when you spend $10,000 within 12 months of Account opening†
  • Enroll for NEXUS and once every 48 months get an application fee rebate†
  • Plus, share free first checked bags with up to 8 travel companions†

Earning Aeroplan Points

  • Earn 1.5 points† for every $1 spent on eligible gas, grocery and direct through Air Canada® purchases (including Air Canada Vacations®) made with your card
  • Earn 1 point† for every $1 spent on all other Purchases made with your Card
  • Earn points twice when you pay with your Card and provide your Aeroplan number at over 150 Aeroplan partner brands and at 170+ online retailers via the Aeroplan eStore (www.aeroplan.com/estore).
  • Your Aeroplan Points do not expire as long as you are a TD® Aeroplan® Visa Infinite* Cardholder in good standing
  • Earn big rewards on the little things: Earn 50% more Aeroplan Points and 50% more Stars at participating Starbucks® stores. Simply link your TD Aeroplan Visa Infinite Card to your Starbucks® Rewards account. Conditions apply. Learn more.
Card Benefits
  • Travel lightly through the airport and save on baggage fees† : Primary Cardholders, Additional Cardholders, and travel companions (up to eight) travelling on the same reservation will all enjoy their first checked bag free (up to 23kg/50lbs) when your travel originates on an Air Canada flight.
  • Complimentary Visa Infinite Concierge† : On-call 24 hours a day, seven days a week, the Visa Infinite Concierge can help with any Cardholder request — big or small, to help you get the most out of life whenever you travel, shop and use your Card.
  • Visa Infinite Luxury Hotel Collection†: Receive seven exclusive benefits when you book your stay through the Visa Infinite Luxury Hotel Collection featuring over 900 of the world’s most intriguing properties.
  • Click here to apply for TD Aeroplan Visa Infinite Card

This offer is not available for residents of Quebec. For Quebec residents, please click here.

† Terms and Conditions apply.

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 and current information on any TD product, please click the Apply Now button.

2020: 1 (coalition)
2019: 1 (coalition)
2018: 1 (coalition)
2017: 1 (airline)
2016: 1 (airline)
2015: 1 (airline)
2014: 1 (airline)

WestJet RBC World Elite Mastercard

WestJet RBC World Elite Mastercard

Earn up to 450 welcome WestJet dollars

Receive a Status Lift of $500 in tier qualifying spend for every $15,000 in everyday purchases on your WestJet RBC World Elite Mastercard.

Annual Fee $119 | Additional Cards: $59 | Annual interest rate 19.99% on purchases and 22.99% on funds advances | $80,000 personal or $150,000 household annual income



Terms & Conditions apply




  • Get up to 450 WestJet dollars1 (a value of up to $450 off the base fare). Bonus awarded as follows:
    250 WestJet dollars upon your first purchase1
    200 WestJet dollars when you spend $5,000 in the first 3 months1
  • Annual $119/$399 Companion Flight when you sign up for and receive the WestJet RBC World Elite Mastercard.
  • Earn 1.5% back in WestJet dollars on every purchase you make with your card
  • Earn 2% back in WestJet dollars when you purchase WestJet flights or WestJet Vacations packages with your card
  • Companion flight vouchers are an annual benefit.
  • First bag free for the primary cardholder up to 8 people traveling on the same reservation to anywhere WestJet flies!
  • Companion voucher details:
    • Travel to Canada and the Continental US for $119 CAD
    • Travel to the rest of the WestJet network for $399 CAD

Refer to RBC page for up to date offer terms and conditions

2020: 1
2019: 1
2018: 1
2017: 2
2016: 2
2015: 2
2014: 2
2013: 3
2012: 3
2011: 2
2010: 2

American Express Aeroplan Card



American Express® Aeroplan®* Card

New American Express® Aeroplan®* Cardmembers can earn up to 40,000 Aeroplan points

Annual Fee: $120 | Additional Card Fee: $50 for each Additional Aeroplan®* Card to share some of the benefits and earn Aeroplan points faster $0 for each Additional Aeroplan®* No Fee Card to earn points faster



Terms & Conditions apply




  • New American Express® Aeroplan®* Cardmembers can earn up to 40,000 Aeroplan points
    - Earn 3,000 Aeroplan points for each monthly billing period in which you spend $1,000 in net purchases on your Card for the first 10 months of Cardmembership. That could add up to 30,000 Aeroplan points
    - Plus, you can also earn 10,000 Aeroplan points when you make a purchase between 14 and 17 months of Cardmembership
    - That’s up to $900 or more in value when you combine your welcome bonus points and card benefits
  • Standard Earn Rate: Earn 2X the points on eligible purchases made directly with Air Canada®* and Air Canada vacations®*.
  • Standard Earn Rate: Earn 1.5X the points on eligible Dining and Food Delivery purchases in Canada
  • Standard Earn Rate: Earn 1X the points on everything else
  • Enjoy your first checked bag free (up to 23kg/50lb) for up to 9 people travelling on the same reservation on Air Canada®* flights
  • Earn 1,000 Status Qualifying Miles and 1 Status Qualifying Segment for every $10,000 in eligible net purchases charged to your Card
  • As an American Express Aeroplan Cardmember, you can often book flight rewards for even fewer points with preferred pricing
  • American Express® Experiences: From music and movies, to specially curated dining and online shopping opportunities, stay connected with all that we have to offer from the comfort of your own home
  • Enjoy an array of travel related insurance benefits such as Lost or Stolen Baggage Insurance and up to $500,000 in Travel Accident Insurance
  • 24/7 Customer Service and Emergency Card Replacement
  •  As part of our commitment to sustainability, the American Express® Aeroplan®* Card has been made with 70% reclaimed plastic
  • No pre-set spending limit on purchases gives you flexibility. Using a charge card is a great way to manage your finances as the balance must be paid in full each month*
  • 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. 
  • Click here to apply for the American Express Aeroplan Card

New to the rankings



Alaska Airlines World Elite® Mastercard®

This card is no longer available to new applicants. MBNA will continue to support the card for existing clients.

2020: 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

RBC British Airways Visa Infinite Card

RBC British Airways Visa Infinite Card

Get Up To 60,000 Aviosˆ with the RBC® British Airways Visa Infinite

Annual Fee: $165 | Additional Card Fee: $75 | 20.99% on purchases 22.99%* on cash advances and balance transfers *21.99% if you reside in Quebec.



Terms & Conditions apply




Receive up to 60,000 Aviosˆ, here’s how:
Step 1: Receive 15,000 Avios as welcome bonus upon approval
Step 2: 35,000 bonus Avios when you spend $6,000 CAD in the first 3 months
Step 3: Another 10,000 bonus Avios after your first yearˆ
  • Collect 1 Avios for every $1 CAD spent on qualifying net purchases*
  • Collect double Avios when you shop with British Airways and BA Holidays*
  • Earn a companion voucher when you spend $30,000 CAD annually. You can either take a companion with you or fly solo instead for a 50% Avios discount on the cost of one reward seat ticket. Plus, you'll have the flexibility to pay a lower, flat fee to cover taxes, fees and carrier charges and a fixed Avios amount when you make a Reward Flight booking
  • 10% off British Airways flights when you book and pay with your card∞
  • Redeem for flights and more - you can spend your Avios on all of the travel things you love, including cabin upgrades with British Airways or reward flights with British Airways and any of the oneworld partner airlines to almost 1,000 destinations worldwide**
  • Comprehensive Insurances including 31–day out of country/province emergency medical insurance1, flight delay insurance2, hotel burglary3 and rental car4 insurance. Even eligible purchases you make with the card are protected3.
  • Luxury Visa Infinite benefits5 such as first in line service for exclusive events and hotel and dining exclusives via www.visainfinite.ca
  • Complimentary 24/7 Concierge Service5
  • Link your RBC card with a Petro-Points membership to instantly save 3₵ per litre on fuel at Petro-Canada stations and earn 20% more Petro-Points and 20% more RBC rewards points
  • Get $0 delivery fees for 12 months from DoorDash
  • Link your RBC British Airways Visa Infinite card with a Rexall Be Well account and get 50 Be Well points for every $1 spent on eligible products at Rexall. Redeem Be Well points faster for savings in store on eligible purchases where 25,000 Be Well points = $10

Corresponding legal references and product terms are available on the RBC website, which will be available and agreed upon in the customer onboarding process.

This post contains affiliate links. Please read our disclaimer for more info.

2020: 3
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)
Card Previous Rankings

The Platinum Card from American Express

Top Ultra Premium Travel Rewards Credit Card

The Platinum Card®

2024 Top Ultra Premium Credit Card
Earn up to 100,000 Membership Rewards® points - that’s up to $1,000 towards a weekend away

Annual Fee: $799 | Additional Card Fee: $250 for Platinum, $0 for Gold (First 2 Cards) then $50 each



Terms & Conditions apply




  • New Platinum® Cardmembers, earn 70,000 Welcome Bonus points after you charge $10,000 in net purchases to your Card in your first 3 months of Cardmembership
  • Plus, earn 30,000 points when you make a purchase between 14 and 17 months of Cardmembership

  • Earn 2 points for every $1 in Card purchases on eligible dining and food delivery in Canada, 2 points for every $1 in Card purchases on eligible travel, and 1 point for every $1 in all other Card purchases
  • Access a $200 Annual Travel Credit through American Express Travel Online or Platinum® Card Travel Service
  • Enjoy a $200 Annual Dining Credit at some of Canada’s best restaurants
  • Unlock $200 or more in additional value with Member extras. You can earn statement credits for qualifying purchases with participating brands

  • Take full advantage of The American Express Global Lounge CollectionTM  which unlocks access to over 1300 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 flexible ways to use your points such as statement credits for any eligible purchase charged to your Card, new travel purchases booked on American Express Travel Online through the Flexible Points Travel Program, and eligible flights through the Fixed Points Travel Program
  • Transfer points 1:1 to several frequent flyer and other loyalty programs
  • Enjoy complimentary benefits that offer an average value of $750 CAD at over 1,300 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
  • You will also have access to many leading hotel and car rental companies’ loyalty programs. Our partners include Marriott International, Hilton Hotels and Resorts, Hertz and Avis

  • Interest applies in accordance with your Cardmember Agreement, Information Box, and Disclosure statement if the total New Balance is not paid by the Payment Due Date each month. All payments must be received by the Payment Due Date shown on the monthly statement
  • 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. If you apply and get approved for an American Express Card, (I/we) may receive compensation from American Express, which can be in the form of monetary payment
  • Click here to apply for The Platinum Card from American Express

The following rankings were in the hybrid category

2020: 4
2019: 5
2018: 4
2017: 3
2016: 3
2015: 3
2014: 3
2013: 3
2012: 3
2011: N/A
2010: N/A

American Express Aeroplan Reserve Card



American Express® Aeroplan®* Business Reserve Card

Earn up to 90,000 Welcome Bonus Aeroplan®* points.

Annual Fee: $599 | Additional Card Fee: $199 for Aeroplan®* Business Reserve Cards to share some of the benefits and earn Aeroplan points faster, $0 for Aeroplan®* Business Reserve No Fee Cards to earn points faster | Annual interest rate 19.99% on purchases



Terms & Conditions apply




Earn up to 90,000 Welcome Bonus Aeroplan®* points

  • Earn 65,000 Aeroplan points after spending $10,500 in purchases on your Card within the first 3 months.
  • Plus, earn an additional 25,000 Aeroplan points when you spend $3,500 in purchases in month 13.

Earn Aeroplan points that you can redeem in a variety of ways.

  • Earn 3 points for every $1 spent on eligible purchases made directly with Air Canada and Air Canada Vacations®*, 2 points for every $1 spent on eligible hotels and car rentals.
  • Earn 1.25 points for every $1 spent on everything else.

Make the most out of a full suite of business management tools that give you more control over your business - anytime and anywhere.

  • Leverage your cash flow with the option of carrying a balance or paying in full each month
  • Control employee expenses plus track and accumulate points on your account with Employee Cards, so you have an opportunity to maximize the points you earn.

Unlock business travel possibilities to make every work trip one to look forward to.

  • Access more than 1,200 Priority Pass™ airport lounges around the globe. That means an oasis of comfort before your flight—regardless of your choice of airline or cabin class
  • Enjoy access to select Air Canada Maple Leaf Lounges™ for you and a guest, and Air Canada Café™; in North America, with a same day ticket on a departing Air Canada or Star Alliance®* flight
  • Enjoy Priority Check-In, Priority Boarding, and Priority Baggage Handling when you fly with Air Canada, together with up to eight companions
  • Enjoy your first checked bag free (up to 23kg/50lb) when your travel originates on an Air Canada flight, together with up to eight companions travelling on the same reservation
  • Receive one Annual Worldwide Companion Pass when you spend $25,000 in net purchases prior to your Card anniversary date; your Pass entitles you to buy an accompanying Air Canada economy class ticket for a companion at a fixed base fare from $99 to a maximum of $599 CAD (plus taxes, fees, charges, and surcharges)
  • Stay focused on getting where you need to go. Receive up to $100 CAD in statement credits every four years when NEXUS application or renewal fees are charged to your Aeroplan Business Reserve Card.
  • Pay with your American Express Aeroplan Business Reserve Card and present your Aeroplan Membership Card at over 170 Aeroplan partner brands and 120 online retailers via the Aeroplan eStore to earn points twice
  • If you’re departing from Toronto Pearson International Airport, enjoy the benefits of being an American Express Aeroplan Business Reserve Cardmember. Get more from your travel experience with access to Pearson Priority Security Lane, Complimentary Valet Service, 15% discount on parking rates, and 15% discount on Car Care Services
  • Roll over any unallocated Aeroplan Elite™ Status Qualifying Miles and unused eUpgrade Credits to the following year to enjoy during your travels.
  • Enjoy priority access to the standby list and eUpgrades. Get prioritized on the standby waitlist for an Air Canada flight and higher priority when you request an eUpgrade
  • Earn 1,000 Status Qualifying Miles and 1 Status Qualifying Segment for every $5,000 in eligible net purchases charged to your Card
  • Book flight reward tickets for even fewer points with Air Canada. In addition to flights, you can also redeem for hotel stays, car rentals, vacation packages, merchandise and more.
  • Unlock two-car-class rental upgrades, expedited service, dedicated phone line, and more with complimentary upgrade to Avis President’s Club

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. If you apply and get approved for an American Express Card, (I/we) may receive compensation from American Express, which can be in the form of monetary payment

New to the rankings

TD Aeroplan Visa Infinite  PrivilegeCard Top Ultra Premium Credit Card

TD® Aeroplan® Visa Infinite Privilege* Card

Canada's Choice for Top Ultra Premium Credit Card 2023
Earn up to $2,900 in value† including up to 85,000 Aeroplan points† and additional travel benefits. .
Conditions Apply. Account must be approved by June 3, 2024.

Annual Fee $599 | Additional Cards: $199 † | Annual interest rate 20.99% on purchases and 22.99% on funds advances | $150,000 annual personal income or $200,000 annual household income



Terms & Conditions apply




Earn up to $2,900 in value† including up to 85,000 Aeroplan points (enough for a round trip to Honolulu†) and additional travel benefits. Conditions Apply. Account must be approved by June 3, 2024.

  • Earn a welcome bonus of 20,000 Aeroplan points when you make your first purchase with your new card†
  • Earn an additional 40,000 Aeroplan points when you spend $10,000 within 180 days of Account opening†
  • Plus, earn a one-time anniversary bonus of 25,000 Aeroplan points when you spend $15,000 within 12 months of Account opening†
    Additional Travel Benefits
  • Enroll for NEXUS and once every 48 months get an application fee rebate†
  • Share first free checked bags with up to 8 travel companions† and get unlimited access to Maple Leaf Lounges† including complementary access for one guest.
  • Plus, primary cardholders get 6 complimentary worldwide select airport lounge visits annually through the Visa Airport Companion Program.†

  • Earn Aeroplan Points on your everyday purchases
  • Take advantage of an extensive suite of travel insurance.
  • Get access to Priority Airport Services† like Priority Boarding, Priority Baggage Handling, and Priority Airport Standby & Priority Airport Upgrades†.
  • Earn 2 points† for every $1 spent on eligible purchases made direct through Air Canada® purchases (including Air Canada Vacations®)
  • Earn 1.5 points† for every $1 spent on eligible gas, grocery, travel and dining purchases
  • Earn 1.25 points† for every $1 spent on all other purchases made with your Card
  • Earn points twice when you pay with your Card and provide your Aeroplan number at over 150 Aeroplan partner brands and at 170+ online retailers via the Aeroplan eStore (www.aeroplan.com/estore)

  • Get an annual round-trip companion pass from $99 (plus taxes, fees, charges and surcharges)†.
  • Global Airport Lounge Access†: Receive a complimentary membership to the Visa Airport Companion† Program hosted by Dragonpass International Ltd. and take advantage of six lounge visits included for each Cardholder per membership year at over 1,200 airport lounges worldwide. Enroll through the Visa Airport Companion App or through visaairportcompanion.ca
  • Complimentary Visa Infinite Concierge† : On-call 24 hours a day, seven days a week, the Visa Infinite Concierge can help with any Cardholder request — big or small, to help you get the most out of life whenever you travel, shop and use your Card.
  • Visa Infinite Luxury Hotel Collection†: Receive seven exclusive benefits when you book your stay through the Visa Infinite Luxury Hotel Collection featuring over 900 of the world’s most intriguing properties. Enjoy an additional 8th benefit at over 200 properties, exclusively for Visa Infinite Privilege cardholders.

This offer is not available for residents of Quebec. For Quebec residents, please click here .

† Terms and Conditions apply.

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 and current information on any TD product, please click the Apply Now button.

New to the rankings

RBC Avion Visa Infinite Privilege
Card

RBC Avion Visa Infinite Privilege Card

Get 35,000 welcome Avion points on approval** - Enough to fly anywhere in Canada & the U.S (Alaska and Hawaii require more points)!

Annual Fee: $399 | Additional Card Fee: $99



Terms & Conditions apply




  • Earn 1.25 RBC Rewards points for every dollar you spend
  • 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 cancellation, trip interruption, travel medical, car rental insurance
  • Priority PassTmembership and 6 lounge pass visits
  • Redeem your points toward your credit card balance using Payback with Points
  • Get a complimentary DashPass subscription from DoorDash for up to 12 months and enjoy unlimited deliveries from qualifying restaurants you love—with $0 delivery fees on orders of $12+ when you pay with an eligible RBC credit card!*
  • 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
New to the rankings

BMO eclipse Visa Infinite Privilege* Card

BMO eclipse Visa Infinite Privilege* Card

Welcome offer: Get up to 120,000 points*
Bonus offer is as follows: 50,000 points when you spend $6,000 in the first 3 months, plus 30,000 points when you spend at least $30,000 in the first 6 months. Receive an additional 40,000 points when you spend at least $75,000 in the first year.

Annual Fee: $499 Primary Card | $99 Additional Card | Interest Rate: Purchases 20.99% Cash Advances 23.99%



Terms & Conditions apply




  • Earn 5x the BMO Rewards points on groceries, dining, drugstore purchases, gas and travel*
  • Get 1 BMO Reward for every $1 spent on everything else*
  • Get a $200 annual lifestyle credit to spend however you want*
  • Mobile Device Insurance that covers you for up to $1,000*
  • Earn 25% more points when you add an authorized user to your account*
  • Pay with Points by browsing your recent transactions & redeem your points for as little as $1
  • Enjoy a Visa Airport Companion membership and 6 complimentary airport lounge visits per year – valued at more than $250 USD.
  • Airport experiences along with Priority Security Lane, airport parking and valet service discounts at select Canadian airports*
  • Enjoy the Visa Infinite Dining Series and Visa Infinite Wine Country*

  • Click here to apply for BMO eclipse Visa Infinite Privilege* Card

*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
New to the rankings

 

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