Compare Canadian Credit Cards

New Comp Charts Test

Last Updated on January 25, 2023

Reward's Canada's famous credit card comparison charts are back and better than ever!

You'll find these the most detailed yet very easy to use side by side comparisons of most of Canada's Rewards Cards

Best Viewed on Desktop or a Tabley

Due to the sheer size of these charts they are best viewed on a Desktop or tablet.

Mobile Users

If you are using a mobile phone, flip to landscape to better use the seach toggle and view detail

Best New Feature: You can now select the cards you want to compare. From two to all the cards and any in-between!

Instructions!

If you only want to compare a couple of cards I recommend unchecking "toggle all" which will clear out all the cards (except for very first on one alphabetically) and then you can select the cards you want to compare (and uncheck the very first if you don't want to have in that in your comparison)

Now you

Compare

Card	American Express® Aeroplan®* Card	American Express® Aeroplan®* Reserve Card	American Express Cobalt™ Card	American Express Gold Rewards Card	American Express Green Card	The Platinum Card from American Express	ATB Gold My Rewards Travel Mastercard®	ATB World Elite Mastercard®	BMO AIR MILES®† MasterCard®*	BMO AIR MILES®† World Elite®* MasterCard®*	BMO Ascend™ World Elite®* Mastercard®*	BMO eclipse Visa Infinite* Card	BMO eclipse Visa Infinite Privilege* Card	BMO Rewards® MasterCard	CIBC Aeroplan® Visa* Card	CIBC Aeroplan® Visa Infinite* Card	CIBC Aeroplan® Visa Infinite Privilege* Card	CIBC Aventura Gold Visa Card	CIBC Aventura Visa Card	CIBC Aventura Visa Infinite Card	CIBC Aventura Visa Infinite Privilege Card	Desjardins Bonus Visa*	Desjardins Odyssey® Gold Visa*	Desjardins Odyssey® Visa Infinite Privilege*	Desjardins Odyssey® World Elite® Mastercard®	Envision Financial World Mastercard	HSBC +Rewards™ Mastercard®	HSBC Travel Rewards Mastercard®	HSBC World Elite Mastercard	Marriott Bonvoy American Express Card	MBNA Rewards Platinum Plus® Mastercard®	MBNA Rewards World Elite Mastercard	Meridian Visa Infinite* Travel Rewards Card	Meridian Visa* Platinum Travel Rewards Card	National Bank of Canada Platinum Mastercard	National Bank of Canada World Elite Mastercard	National Bank of Canada World Mastercard	RBC Avion Visa Infinite Card	RBC Avion Visa Infinite Privilege Card	RBC Avion Visa Platinum Card	RBC British Airways Visa Infinite Card	RBC Cathay Pacific Visa Platinum Card	RBC ION+ Visa Card	RBC ION Visa Card	Scotiabank American Express Card	Scotiabank Gold American Express® Card	Scotiabank Passport Visa Infinite Card	Scotiabank Platinum American Express® Card	Scotiabank Scene+ Visa Card	TD® Aeroplan® Visa Infinite* Card	TD® Aeroplan® Visa Infinite Privilege* Card	TD® Aeroplan® Visa Platinum* Credit Card	TD First Class Travel® Visa Infinite* Card	TD Platinum Travel Visa* Card	TD Rewards Visa* Card	Vancity enviro️ Visa* Classic card	Vancity enviro️ Visa* Gold card	Vancity enviro️ Visa Infinite* card	Vancity enviro Visa Infinite Privilege* card	WestJet RBC Mastercard	WestJet RBC World Elite Mastercard
Card Type	Airline	Airline	Hybrid	Hybrid	Hybrid	Hybrid	Travel Points	Travel Points	Travel Points	Travel Points	Travel Points	Travel Points	Travel Points	Travel Points	Airline	Airline	Airline	Travel Points	Travel Points	Travel Points	Travel Points	Travel Points	Travel Points	Travel Points	Travel Points	Travel Points	Travel Points	Travel Points	Hybrid	Hotel	Travel Points	Travel Points	Travel Points	Travel Points	Travel Points	Travel Points	Travel Points	Hybrid	Hybrid	Hybrid	Airline	Airline	Hybrid	Hybrid	Travel Points	Travel Points	Travel Points	Travel Points	Travel Points	Airline	Airline	Airline	Travel Points	Travel Points	Travel Points	Travel Points	Travel Points	Travel Points	Travel Points	Airline	Airline
Annual Fee	$120	$599	$12.99 per month ($155.88/year)	$250	$0	$799	$0	$120	$0	$120	$150	$120	$499	$0	$0	$139	$599	$139	$0	$139	$499	$0	$110	$295 members / $395 non-members	$130	$120	$25	$0	$149	$120	$0	$120	$99	$49	$89	$150	$115	$120	$399	$120	$165	$120	$4 per month ($48 annually)	$0	$0	$120	$150	$399	$0	$139	$599	$89	$139	$89	$0	$0	$99	$120	$245 for Vancity members, $395 for non-members	$39	$119
Limited Time Annual Fee Offer	N/A	N/A	N/A	N/A	N/A	N/A	N/A	$0 in the first year	N/A	$0 in the first year	$0 in the first year	$0 in the first year	N/A	N/A	N/A	N/A	N/A	$0 in the first year	$N/A	$0 in the first year	N/A	N/A	N/A	N/A	N/A	$0 in the first year	$0 in the first year	N/A	$0 in the first year	N/A	N/A	N/A	$0 in the first year	$0 in the first year	N/A	$0 in the first year	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	$0 in the first year	$0 in the first year	N/A	N/A	$0 in the first year	N/A	$0 in the first year	$0 in the first year	$0 in the first year	N/A	N/A	N/A	$0 in the first year	N/A	N/A	N/A
Additional Card Fee	$50 with benefits $0 to earn points only	$199 with benefits $0 to earn points only	$0	$0 for first card, $50 any additional	$0	$175 ($50 for Gold)	$0	$25	$0	$50	$50	$50	$99	$0	$0	$50	$149	$50	$0	$50	$99	$0	$30	$95	$40	$50	$10	$0	$0	$0	$0	$50 for first card, $0 any additional	$30	$0	$35	$50	$35	$50	$99	$50	$75	$50	$0	$0	$0	$29	$0 for the first card $50 for additional cards	$99	$0	$75	$199	$35	$50	$35	$0	$0	$0	$0 for the first card, $50 per additional card	$0 for the first card, $50 per additional card	$19	$59
Interest Rate	30% non-revolving	19.99% Purchase 21.99% Cash Advance	20.99% Purchase † 21.99% Cash Advance †	20.99% Purchase 21.99% Cash Advance	20.99% Purchase † 21.99% Cash Advance †	30% non-revolving	19.99% Purchase 22.99% Cash Advance	19.99% Purchase 21.90% Cash Advance	20.99% Purchase 22.99% Cash Advance	20.99% Purchase † 23.99% Cash Advance †	20.99% Purchase † 23.99% Cash Advance †	20.99% Purchase 23.99% Cash Advance	20.99% Purchase 23.99% Cash Advance	20.99% Purchase 22.99% Cash Advance	19.99% Purchase 22.99% Cash Advance	19.99% Purchase 22.99% Cash Advance	19.99% Purchase 22.99% Cash Advance	20.99% Purchase 22.99% Cash Advance	20.99% Purchase 22.99% Cash Advance	20.99% Purchase 22.99% Cash Advance	20.99% Purchase 22.99% Cash Advance	19.9% on Purchase and Cash Advance	19.9% on Purchase and Cash Advance	10.9% on Purchase and Cash Advance	19.9% on Purchase and Cash Advance	20.99% Purchase	11.9% on purchase, on cash advances, balance transfers	20.99% Purchase 22.99% Cash Advance	20.99% Purchase 22.99% Cash Advance	19.99% Purchase 21.99% Cash Advance	19.99% Purchase 22.99% balance transfers / 24.99% Cash Advance	19.99% Purchase 22.99% balance transfers / 24.99% Cash Advance	19.5% Purchase 21.99% Cash Advance	19.5% Purchase 21.99% Cash Advance	20.99% Purchase 22.49% Cash Advance	20.99% Purchase 22.49% Cash Advance	20.99% Purchase 22.49% Cash Advance	19.99% Purchase 22.99% Cash Advance	19.99% Purchase 22.99% Cash Advance	19.99% Purchase 22.99% Cash Advance	20.5% Purchase 22.99% Cash Advance	20.5% Purchase 22.99% Cash Advance	19.99% Purchase 22.99% Cash Advance	19.99% Purchase 22.99% Cash Advance	19.99% Purchase 22.99% Cash Advance	20.99% Purchase 22.99% Cash Advance	20.99% Purchase 22.99% Cash Advance	9.99% Purchase 9.99% Cash Advance	19.99% Purchase 22.99% Cash Advance	20.99% Purchase 22.99% Cash Advance	19.99% Purchase 22.99% Cash Advance	19.99% Purchase 22.99% Cash Advance	19.99% Purchase † 22.99% Cash Advance †	20.99% Purchase † 22.99% Cash Advance †	19.99% Purchase † 22.99% Cash Advance †	19.5%	19.5%	19.5%	19.5%	19.99% Purchase 21.99% Cash Advance	19.99% Purchase 21.99% Cash Advance
Foreign Transaction Fee	2.5%	2.5%	2.5%	2.5%	2.5%	2.5%	2.9%	2.9%	2.5%	2.5%	2.5%	2.5%	2.5%	2.5%	2.5%	2.5%	2.5%	2.5%	2.5%	2.5%	2.5%	2.5%	2.5%	2.5%	2.5%	2.5%	2.5%	2.5%	0%	2.5%	2.5%	2.5%	2.5%	2.5%	2.5%	2.5%	2.5%	2.5%	2.5%	2.5%	2.5%	2.5%	2.5%	2.5%	2.5%	0%	0%	0%	2.5%	2.5%	2.5%	2.5%	2.5%	2.5%	2.5%	2.5%	2.5%	2.5%	2.5%	2.5%	2.5%
Minimum Income Requirements	N/A	N/A	N/A	N/A	N/A	N/A	N/A	$80,000 (individual) or $150,000 (household)	N/A	$80,000 (individual) or $150,000 (household)	$80,000 (individual) or $150,000 (household)	$60,000 (individual) or $100,000 (household)	$150,000 (individual) or $200,000 (household)	Not applicable	$15,000 household annual income	$60,000 (individual) or $100,000 (household)	$150,000 (individual) or $200,000 (household)	$15,000 household annual income	$15,000 household annual income	$60,000 personal or $100,000 household annual income	$150,000 (individual) or $200,000 (household)	N/A	N/A	$150,000 (individual) or $200,000 (household)	$80,000 personal or $150,000 household annual income	$60,000 (individual) or $100,000 (household)	N/A	N/A	$80,000 personal or $150,000 household annual income	N/A	N/A	$80,000 (individual) or $150,000 (household)	$60,000 (individual) or $100,000 (household)	N/A	N/A	$80,000 (individual) or $150,000 (household)	$60,000 (individual) or $100,000 (household)	$60,000 (individual) or $100,000 (household)	$200,000 (individual or household)	N/A	$60,000 (individual) or $100,000 (household)	N/A	N/A	N/A	$12,000	$12,000	$60,000 personal or $100,000 household annual income	$12,000	$12,000	$60,000 personal or $100,000 household annual income	$150,000 (individual) or $200,000 (household)	N/A	$60,000 personal or $100,000 household annual income	N/A	N/A	N/A	N/A	$60,000 personal or $100,000 household annual income	$150,000 (individual) or $200,000 (household)	N/A	$80,000 personal or $150,000 household annual income
Current Welcome Bonus	50,000 points	85,000 points	30,000 points	60,000 points	10,000 points	80,000 points	N/A	15,000 points	800 Miles	2,000 Miles	60,000 points	60,000 points	90,000 points	10,000 points	10,000 points	50,000 points	90,000 points	40,000 points	12,000 points	40,000 points	80,000 points	N/A	N/A	N/A	N/A	15,000 points	35,000 points	25,000 points	80,000 points	50,000 points	10,000 points + 4 points†† for every $1 spent on eligible restaurant, grocery, digital media, membership and household utility purchases during the first 90 days	30,000 points	N/A	N/A	N/A	70,000 points	N/A	55,000 points	55,000 points	55,000 points	60,000 Avios	15,000 Asia Miles	7,000 points	3,500 points	12,000 points	45,000 points	30,000 points	60,000 points	10,000 points	55,000 points	115,000 points	20,000 points	135,000 points	50,000 points	15,152 points	N/A	2,500 points	18,000 points	N/A	$100	$450
Welcome Bonus Value (When redeemed for travel)	$750 or more	$1,275 or more	$300 to $600 or more	$600 to $1,200 or more	$100 to $200 or more	$800 to $1,600 or more	N/A	$150	~$76 or more	~$190 or more	$400	$400	$600	$66.67	$150 or more	$750 or more	$1,350 or more	$400 or more	$120 or more	$400 or more	$800 or more	N/A	N/A	N/A	N/A	$150	$175	$125	$400 or more	$500 or more	$100	$300	N/A	N/A	N/A	$700	N/A	$550 to $1,100 or more	$550 to $1,100 or more	$550 to $1,100 or more	$900 or more	$225 or more	~$40	~$20	$120	$450	$300	$600	$100	$825 or more	$1,725 or more	$300 or more	$540	$200	$60	N/A	$25	$180	N/A	$100	$450
Renewal or Additional Bonus	1,000 Status Qualifying Miles and 1 Status Qualifying Segment for every $10,000 spend on the card	1,000 Status Qualifying Miles and 1 Status Qualifying Segment for every $5,000 spend on the card	5,000 bonus points for approved referrals to the card (up to 75,000 points annually)	7,500 bonus points for approved referrals to the card (up to 112,500 points annually)	N/A	10,000 bonus points for approved referrals to the card (up to 225,000 points annually)	N/A	N/A	N/A	25% discount on one worldwide AIR MILES flight redemption during the calendar year.	N/A	10% extra points when you add an authorized user to your account	25% extra points when you add an authorized user to your account	N/A	N/A	1,000 Status Qualifying Miles and 1 Status Qualifying Segment for every $10,000 spend on the card	1,000 Status Qualifying Miles and 1 Status Qualifying Segment for every $5,000 spend on the card	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	Annual Free Night Award (up to 35,000 points) to use at eligible hotels and resorts worldwide	10% extra points awarded on your birthday for your spending over the previous 12 months (Capped at 10,000 points)	10% extra points awarded on your birthday for your spending over the previous 12 months (Capped at 15,000 points)	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	10,000 points if you spend $40,000 annually	N/A	N/A	1,000 Status Qualifying Miles and 1 Status Qualifying Segment for every $10,000 spend on the card	1,000 Status Qualifying Miles and 1 Status Qualifying Segment for every $5,000 spend on the card	N/A	10% extra points awarded on your birthday for your spending over the previous 12 months (Capped at 10,000 points)	N/A	N/A	N/A	3,500 points on your card anniversary every year	N/A	N/A	N/A	Receive a Status Lift of $500 in tier qualifying spend for every $15,000 in everyday purchases on your WestJet RBC World Elite Mastercard.1 You can earn three lifts each qualifying year (January 1 – December 31) for a total of $1,500 in tier qualifying spend.
Travel Purchases Earn Rate	2 points per dollar spent with Air Canada otherwise 1 point per dollar spent	3 points per dollar spent with Air Canada otherwise 1.25 points per dollar spent	2 points per dollar spent	2 points per dollar spent	1 point per dollar spent	2 points per dollar spent	10 points per dollar spent	1.5 points per dollar spent	1 Mile per $25 spent	1 Mile per $12 spent	5 points per dollar spent^	1 point per dollar spent	5 points per dollar spent^	1 point per dollar spent	1 point per dollar spent with Air Canada otherwise 1 point per $1.50 spent	1.5 points per dollar spent with Air Canada otherwise 1 point per dollar spent	2 points per dollar spent with Air Canada otherwise 1.5 points per dollar spent	2 points per dollar spent via CIBC Rewards Centre otherwise 1 point per dollar	1 point per dollar spent via CIBC Rewards Centre otherwise 0.5 points per dollar	2 points per dollar spent via CIBC Rewards Centre otherwise 1 point per dollar	3 points per dollar spent via CIBC Rewards Centre otherwise 1.25 points per dollar	0.5% back in BONUS DOLLARS	1% back in BONUS DOLLARS	3% back in BONUS DOLLARS	1.5% back in BONUS DOLLARS	1 point per dollar spent	1 point per dollar spent	3 points per dollar spent	6 points per dollar spent^	5 points per dollar spent at Marriott properties worldwide other 2 points per dollar	1 point per dollar spent	1 point per dollar spent	3 points for every $2 spent or 6 points for every $2 spent if in a foreign currency	1 point for every $1 spent or 2 points for every $1 spent if in a foreign currency	1,5 points per dolllar spent via À la carte travel otherwise 1 point per $1.50 spent	2 points per dolllar spent via À la carte travel otherwise 1 point per dollar spent	1.25 to 2 points per dolllar spent ^	1.25 points per dollar spent	1.25 points per dollar spent	1 point per dollar spent	2 Avios per dollar spent with British Airways otherwise 1 Avios per dollar spent	2 Asia MIles per dollar spent with Cathay Pacific otherwise 1 Asia Miles per dollar spent (1.25 Miles if it is a foreign currency)	1 point per dollar spent	1 point per dollar spent	1 point per dollar spent	1 point per dollar spent	1 point per dollar spent	2 points per dollar spent	1 point per dollar spent	1.5 points per dollar spent with Air Canada otherwise 1 point per dollar spent	2 points per dollar spent with Air Canada otherwise 1.5 points per dollar spent	1 point per dollar spent with Air Canada otherwise 1 point per $1.50 spent	8 points per dollar spent (ExpediaForTD only) 2 points per dollar spent (all other travel)	6 points per dollar spent (ExpediaForTD only) 1.5 points per dollar spent (all other travel)	4 points per dollar spent (ExpediaForTD only) 1 point per dollar spent (all other travel)	1 point per dollar spent via Vancity Rewards otherwise 0.5 points per dollar spent	2 points per dollar spent via Vancity Rewards otherwise 1 point per dollar spent	2 points per dollar spent via Vancity Rewards otherwise 1.25 points per dollar spent	2 points per dollar spent via Vancity Rewards otherwise 1.25 points per dollar spent	1.5% back per dollar spent with WestJet 1% back per dollar spent (all other travel)	2% back per dollar spent with WestJet 1.5% back per dollar spent (all other travel)
Grocery Purchases Earn Rate	1 point per dollar spent	1.25 points per dollar spent	5 points per dollar spent ^	2 points per dollar spent	1 point per dollar spent	1 point per dollar spent	10 points per dollar spent	1.5 points per dollar spent	2 Miles per $25 spent	2 Miles per $12 spent	1 point per dollar spent	5 points per dollar spent^	5 points per dollar spent^	1 point per dollar spent	1 point per dollar spent	1.5 points per dollar spent	1.5 points per dollar spent	1.5 points per dollar spent^	1 point per dollar spent	1.5 points per dollar spent^	2 points per dollar spent^	0.5% back in BONUS DOLLARS	1% back in BONUS DOLLARS	3% back in BONUS DOLLARS	3% back in BONUS DOLLARS	3 points per dollar spent	1 point per dollar spent	1 point per dollar spent	4 points per dollar spent	2 points per dollar spent	2 points per dollar spent^	5 points per dollar spent ^	3 points for every $2 spent or 6 points for every $2 spent if in a foreign currency	1 point for every $1 spent or 2 points for every $1 spent if in a foreign currency	2 points per dollar ^	5 points per dollar up to the monthly cap ^ then 2 points per dollar	1.25 to 2 points per dolllar spent ^	1 point per dollar spent	1.25 points per dollar spent	1 point per dollar spent	1 Avios per dollar spent	1 Asia Miles per dollar spent (1.25 Miles if it is a foreign currency)	3 points per dollar spent	1.5 points per dollar spent	3 points per dollar at Sobeys, Safeway, etc. 2 points per dollar spent at all other grocery stores ^	6 points per dollar at Sobeys, Safeway, etc. 5 points per dollar spent at all other grocery stores (in Canada only) ^	3 points per dollar at Sobeys, Safeway, etc. 2 points per dollar spent at all other grocery stores	2 points per dollar spent	2 points per dollar at Sobeys, Safeway, etc. 1 points per dollar spent at all other grocery stores ^	1.5 points per dollar spent	1.5 points per dollar spent	1 point per dollar spent	6 points per dollar spent	4.5 points per dollar spent	3 points per dollar spent	0.5 points per dollar spent	1 point per dollar spent	2.5 points per dollar spent	3 points per dollar spent	1% back per dollar spent	1.5% back per dollar spent
Dining / Food Delivery Purchases Earn Rate	1.5 points per dollar spent	2 points per dollar spent	5 points per dollar spent ^	1 point per dollar spent	1 point per dollar spent	3 points per dollar spent	10 points per dollar spent	1.5 points per dollar spent	1 Mile per $25 spent	1 Mile per $12 spent	3 points per dollar spent^	5 points per dollar spent^	5 points per dollar spent^	1 point per dollar spent	1 point per $1.50 spent	1 point per dollar spent	1.5 points per dollar spent	1 point per dollar spent	0.5 points per dollar spent	1 point per dollar spent	2 points per dollar spent^	2% back in BONUS DOLLARS	2% back in BONUS DOLLARS	4% back in BONUS DOLLARS	2% back in BONUS DOLLARS	2 points per dollar spent	2 points per dollar spent	1 point per dollar spent	2 points per dollar spent	2 points per dollar spent	2 points per dollar spent^	5 points per dollar spent ^	3 points for every $2 spent or 6 points for every $2 spent if in a foreign currency	1 point for every $1 spent or 2 points for every $1 spent if in a foreign currency	2 points per dollar ^	5 points per dollar up to the monthly cap ^ then 2 points per dollar	1.25 to 2 points per dolllar spent ^	1 point per dollar spent	1.25 points per dollar spent	1 point per dollar spent	1 Avios per dollar spent	1 Asia Miles per dollar spent (1.25 Miles if it is a foreign currency)	3 points per dollar spent	1 point per dollar spent	2 points per dollar spent	5 points per dollar spent (in Canada only)^	2 points per dollar spent	2 points per dollar spent	1 point per dollar spent	1 point per dollar spent	1.5 points per dollar spent	1 point per $1.50 spent	6 points per dollar spent	4.5 points per dollar spent	3 points per dollar spent	0.5 points per dollar spent	1 point per dollar spent	1.25 points per dollar spent (10 points per dollar at select local businesses)	1.5 points per dollar spent (10 points per dollar at select local businesses)	1% back per dollar spent spent	1.5% back per dollar spent
Entertainment Purchases Earn Rate	1 point per dollar spent	1.25 points per dollar spent	1 point per dollar spent	1 point per dollar spent	1 point per dollar spent	1 point per dollar spent	10 points per dollar spent	1.5 points per dollar spent	1 Mile per $25 spent	1 Mile per $12 spent	3 points per dollar spent^	1 point per dollar spent	1 point per dollar spent	1 point per dollar spent	1 point per $1.50 spent	1 point per dollar spent	1.25 points per dollar spent	1 point per dollar spent	0.5 points per dollar spent	1 point per dollar spent	2 points per dollar spent^	2% back in BONUS DOLLARS	2% back in BONUS DOLLARS	4% back in BONUS DOLLARS	2% back in BONUS DOLLARS	2 points per dollar spent	2 points per dollar spent	1 point per dollar spent	2 points per dollar spent	2 points per dollar spent	1 point per dollar spent	1 point per dollar spent	3 points for every $2 spent or 6 points for every $2 spent if in a foreign currency	1 point for every $1 spent or 2 points for every $1 spent if in a foreign currency	1 point per $1.50 spent	1 point per dollar spent	1.25 to 2 points per dolllar spent ^	1 point per dollar spent	1.25 points per dollar spent	1 point per dollar spent	1 Avios per dollar spent	1 Asia Miles per dollar spent (1.25 Miles if it is a foreign currency)	1 point per dollar spent	1 point per dollar spent	2 points per dollar spent	5 points per dollar spent (in Canada only)^	2 points per dollar spent	2 points per dollar spent	2 points per dollar spent with Cineplex otherwise 1 point per dollar spent	1 point per dollar spent	1.25 points per dollar spent	1 point per $1.50 spent	2 points per dollar spent	1.5 points per dollar spent	1 point per dollar	0.5 points per dollar spent	1 point per dollar spent	1.25 points per dollar spent	1.5 points per dollar spent	1% back per dollar spent	1.5% back per dollar spent
Gas & Transit Purchases Earn Rate ( May include ride share, taxi, etc.)	1 point per dollar spent	1.25 points per dollar spent	2 points per dollar spent	2 points per dollar spent (Gas only)	1 point per dollar spent	1 point per dollar spent	10 points per dollar spent	1.5 points per dollar spent	1 Mile per $25 spent	1 Mile per $12 spent	1 point per dollar spent	5 points per dollar spent^	5 points per dollar spent^ (Gas only)	1 point per dollar spent	1 point per dollar spent (Gas only)	1.5 points per dollar spent (Gas only)	1.5 points per dollar spent (Gas only)	1.5 points per dollar spent^ (Gas only)	1 point per dollar spent (Gas only)	1.5 points per dollar spent^ (Gas only)	2 points per dollar spent^	2% back in BONUS DOLLARS (Alternative Transportaion only)	2% back in BONUS DOLLARS (Alternative Transportaion only)	4% back in BONUS DOLLARS (Alternative Transportaion only)	2% back in BONUS DOLLARS (Alternative Transportaion only)	1 point per dollar spent	1 point per dollar spent	2 points per dollar spent^	4 points per dollar spent (Gas only)	2 points per dollar spent	1 point per dollar spent	1 point per dollar spent	3 points for every $2 spent or 6 points for every $2 spent if in a foreign currency	1 point for every $1 spent or 2 points for every $1 spent if in a foreign currency	1.5 points per dolllar spent (Gas and EV Charging only)	2 points per dolllar spent (EV Charging only) otherwise 1 point per dollar	1.25 to 2 points per dolllar spent ^	1 point per dollar spent	1.25 points per dollar spent	1 point per dollar spent	1 Avios per dollar spent	1 Asia Miles per dollar spent (1.25 Miles if it is a foreign currency)	3 points per dollar spent	1.5 points per dollar spent	2 points per dollar spent	3 points per dollar spent (in Canada only) ^	2 points per dollar spent (Transit Only)	2 points per dollar spent	1 point per dollar spent	1.5 points per dollar spent (Gas only)	1.5 points per dollar spent (Gas only)	1 point per dollar spent (Gas only)	2 points per dollar spent	1.5 points per dollar spent	1 point per dollar	0.5 points per dollar spent	1 point per dollar spent	5 points per dollar spent on public transit & ferries otherwise 1.25 points per dollar spent	5 points per dollar spent on public transit & ferries otherwise 1.5 points per dollar spent	1% back per dollar spent	1.5% back per dollar spent
Drug Store Purchases Earn Rate	1 point per dollar spent	1.25 points per dollar spent	1 point per dollar spent	2 points per dollar spent	1 point per dollar spent	1 point per dollar spent	10 points per dollar spent	1.5 points per dollar spent	1 Mile per $25 spent	1 Mile per $12 spent	1 point per dollar spent	1 point per dollar spent	5 points per dollar spent^	1 point per dollar spent	1 point per $1.50 spent	1 point per dollar spent	1.25 points per dollar spent	1.5 points per dollar spent^	1 point per dollar spent	1.5 points per dollar spent^	1.25 points per dollar spent	0.5% back in BONUS DOLLARS	1% back in BONUS DOLLARS	1.75% back in BONUS DOLLARS	1.5% back in BONUS DOLLARS	1 point per dollar spent	1 point per dollar spent	1 point per dollar spent	4 points per dollar spent	2 points per dollar spent	1 point per dollar spent	1 point per dollar spent	3 points for every $2 spent or 6 points for every $2 spent if in a foreign currency	1 point for every $1 spent or 2 points for every $1 spent if in a foreign currency	1 point per $1.50 spent	1 point per dollar spent	1.25 to 2 points per dolllar spent ^	1 point per dollar spent	1.25 points per dollar spent	1 point per dollar spent	1 Avios per dollar spent	1 Asia Miles per dollar spent (1.25 Miles if it is a foreign currency)	1 point per dollar spent	1 point per dollar spent	1 point per dollar spent	1 point per dollar spent	1 point per dollar spent	2 points per dollar spent	1 point per dollar spent	1 point per dollar spent	1.25 points per dollar spent	1 point per $1.50 spent	2 points per dollar spent	1.5 points per dollar spent	1 point per dollar	0.5 points per dollar spent	1 point per dollar spent	1.25 points per dollar spent (10 points per dollar at select local businesses)	1.5 points per dollar spent (10 points per dollar at select local businesses)	1% back per dollar spent	1.5% back per dollar spent
Streaming Services	1 point per dollar spent	1.25 points per dollar spent	3 points per dollar spent	1 point per dollar spent	1 point per dollar spent	1 point per dollar spent	10 points per dollar spent	1.5 points per dollar spent	1 Mile per $25 spent	1 Mile per $12 spent	3 points per dollar spent^ (if considered a recurring bill) otherwise 1 point per dollar	1 point per dollar spent	1 point per dollar spent	1 point per dollar spent	1 point per $1.50 spent	1 point per dollar spent	1.25 points per dollar spent	1 point per dollar spent	0.5 points per dollar spent	1 point per dollar spent	1.25 points per dollar spent	2% back in BONUS DOLLARS (on pre-authorized purchases) otherwise 0.5%	2% back in BONUS DOLLARS (on pre-authorized purchases) otherwise 1%	1.75% back in BONUS DOLLARS	1.5% back in BONUS DOLLARS	1 point per dollar spent	1 point per dollar spent	1 point per dollar spent	2 points per dollar spent	2 points per dollar spent	2 points per dollar spent^	5 points per dollar spent ^	3 points for every $2 spent or 6 points for every $2 spent if in a foreign currency	1 point for every $1 spent or 2 points for every $1 spent if in a foreign currency	1.5 points per dolllar spent on recurring bills otherwise 1 point per $1.50 spent	2 points per dolllar spent on recurring bills otherwise 1 point per dollar spent	1.25 to 2 points per dolllar spent ^	1 point per dollar spent	1.25 points per dollar spent	1 point per dollar spent	1 Avios per dollar spent	1 Asia Miles per dollar spent (1.25 Miles if it is a foreign currency)	3 points per dollar spent	1.5 points per dollar spent	2 points per dollar spent	3 points per dollar spent (in Canada only)	1 point per dollar spent	2 points per dollar spent	1 point per dollar spent	1 point per dollar spent	1.25 points per dollar spent	1 point per $1.50 spent	4 points per dollar spent (if considered a recurring bill) otherwise 2 points per dollar	3 points per dollar spent (if considered a recurring bill) otherwise 1.5 points per dollar	2 points per dollar spent (if considered a recurring bill) otherwise 1 point per dollar	0.5 points per dollar spent	1 point per dollar spent	1.25 points per dollar spent	1.5 points per dollar spent	1% back per dollar spent	1.5% back per dollar spent
Other Digital Media, Membership & Household Utility Purchases Earn Rate	1 point per dollar spent	1.25 points per dollar spent	1 point per dollar spent	1 point per dollar spent	1 point per dollar spent	1 point per dollar spent	10 points per dollar spent	1.5 points per dollar spent	1 Mile per $25 spent	1 Mile per $12 spent	3 points per dollar spent^ (if considered a recurring bill) otherwise 1 point per dollar	1 point per dollar spent	1 point per dollar spent	1 point per dollar spent	1 point per $1.50 spent	1 point per dollar spent	1.25 points per dollar spent	1 point per dollar spent	0.5 points per dollar spent	1 point per dollar spent	1.25 points per dollar spent	2% back in BONUS DOLLARS (on pre-authorized purchases) otherwise 0.5%	2% back in BONUS DOLLARS (on pre-authorized purchases) otherwise 1%	1.75% back in BONUS DOLLARS	1.5% back in BONUS DOLLARS	1 point per dollar spent	1 point per dollar spent	1 point per dollar spent	2 points per dollar spent	2 points per dollar spent	2 points per dollar spent^	5 points per dollar spent ^	3 points for every $2 spent or 6 points for every $2 spent if in a foreign currency	1 point for every $1 spent or 2 points for every $1 spent if in a foreign currency	1.5 points per dolllar spent on recurring bills otherwise 1 point per $1.50 spent	2 points per dolllar spent on recurring bills otherwise 1 point per dollar spent	1.25 to 2 points per dolllar spent ^	1 point per dollar spent	1.25 points per dollar spent	1 point per dollar spent	1 Avios per dollar spent	1 Asia Miles per dollar spent (1.25 Miles if it is a foreign currency)	3 points per dollar spent (Digital memberships only)	1.5 points per dollar spent (Digital memberships only)	1 point per dollar spent	3 points per dollar spent (in Canada only)	1 point per dollar spent	2 points per dollar spent	1 point per dollar spent	1 point per dollar spent	1.25 points per dollar spent	1 point per $1.50 spent	4 points per dollar spent (if considered a recurring bill) otherwise 2 points per dollar	3 points per dollar spent (if considered a recurring bill) otherwise 1.5 points per dollar	2 points per dollar spent (if considered a recurring bill) otherwise 1 point per dollar	0.5 points per dollar spent	1 point per dollar spent	1.25 points per dollar spent (10 points per dollar at select local businesses)	1.5 points per dollar spent (10 points per dollar at select local businesses)	1% back per dollar spent	1.5% back per dollar spent
Other Recurring Bills that are not part of the two rows above	1 point per dollar spent	1.25 points per dollar spent	1 point per dollar spent	1 point per dollar spent	1 point per dollar spent	1 point per dollar spent	10 points per dollar spent	1.5 points per dollar spent	1 Mile per $25 spent	1 Mile per $12 spent	3 points per dollar spent^	1 point per dollar spent	1 point per dollar spent	1 point per dollar spent	1 point per $1.50 spent	1 point per dollar spent	1.25 points per dollar spent	1 point per dollar spent	0.5 points per dollar spent	1 point per dollar spent	1.25 points per dollar spent	2% back in BONUS DOLLARS (on pre-authorized purchases) otherwise 0.5%	2% back in BONUS DOLLARS (on pre-authorized purchases) otherwise 1%	1.75% back in BONUS DOLLARS	1.5% back in BONUS DOLLARS	1 point per dollar spent	1 point per dollar spent	1 point per dollar spent	2 points per dollar spent	2 points per dollar spent	1 point per dollar spent	1 point per dollar spent	3 points for every $2 spent or 6 points for every $2 spent if in a foreign currency	1 point for every $1 spent or 2 points for every $1 spent if in a foreign currency	1.5 points per dolllar spent	2 points per dolllar spent	1.25 to 2 points per dolllar spent ^	1 point per dollar spent	1.25 points per dollar spent	1 point per dollar spent	1 Avios per dollar spent	1 Asia Miles per dollar spent (1.25 Miles if it is a foreign currency)	1 point per dollar spent	1 point per dollar spent	1 point per dollar spent	1 point per dollar spent	1 point per dollar spent	2 points per dollar spent	1 point per dollar spent	1 point per dollar spent	1.25 points per dollar spent	1 point per $1.50 spent	4 points per dollar spent	3 points per dollar spent	2 points per dollar spent	0.5 points per dollar spent	1 point per dollar spent	1.25 points per dollar spent (10 points per dollar at select local businesses)	1.5 points per dollar spent (10 points per dollar at select local businesses)	1% back per dollar spent	1.5% back per dollar spent
All Other Purchases Earn Rate	1 point per dollar spent	1.25 points per dollar spent	1 point per dollar spent	1 point per dollar spent	1 point per dollar spent	1 point per dollar spent	10 points per dollar spent	1.5 points per dollar spent	3 Miles per $25 spent at AIR MILES partners otherwise 1 Mile per $25 spent	3 Miles per $12 spent at AIR MILES partners otherwise 1 Mile per $12 spent	1 point per dollar spent	1 point per dollar spent	1 point per dollar spent	1 point per dollar spent	1 point per $1.50 spent	1 point per dollar spent	1.25 points per dollar spent	1 point per dollar spent	0.5 points per dollar spent	1 point per dollar spent	1.25 points per dollar spent	0.5% back in BONUS DOLLARS	1% back in BONUS DOLLARS	1.75% back in BONUS DOLLARS	1.5% back in BONUS DOLLARS	1 point per dollar spent	1 point per dollar spent	1 point per dollar spent	2 points per dollar spent	2 points per dollar spent	1 point per dollar spent	1 point per dollar spent	3 points for every $2 spent or 6 points for every $2 spent if in a foreign currency	1 point for every $1 spent or 2 points for every $1 spent if in a foreign currency	1 point per $1.50 spent	1 point per dollar spent	1.25 to 2 points per dolllar spent ^	1 point per dollar spent	1.25 points per dollar spent	1 point per dollar spent	1 Avios per dollar spent	1 Asia Miles per dollar spent (1.25 Miles if it is a foreign currency)	1 point per dollar spent	1 point per dollar spent	1 point per dollar spent	1 point per dollar spent	1 point per dollar spent	2 points per dollar spent	1 point per dollar spent	1 point per dollar spent	1.25 points per dollar spent	1 point per $1.50 spent	2 points per dollar spent	1.5 points per dollar spent	1 point per dollar	0.5 points per dollar spent	1 point per dollar spent	1.25 points per dollar spent (10 points per dollar at select local businesses)	1.5 points per dollar spent (10 points per dollar at select local businesses)	1% back per dollar spent	1.5% back per dollar spent
^ Annual cap on bonus category spending	N/A	N/A	$30,000 for eats and drinks	N/A	N/A	N/A	N/A	N/A	N/A	N/A	$15,000 on travel $10,000 each for dining, entertainment & recurring bills	$50,000 for accelerated categories	$100,000 for accelerated categories	N/A	$40,000 in gross annual spending across all categories	$80,000 in gross annual spending across all categories	$100,000 in gross annual spending across all categories	$80,000 in gross annual spending across all categories	$6,000 in gross annual spending across all categories	$80,000 in gross annual spending across all categories	$200,000 in gross annual spending across all categories	N/A	N/A	N/A	N/A	$20,000 on groceries $15,000 on dining & entertainment	N/A	$6,000 on travel	$50,000 on travel	N/A	$10,000 per category ($50,000 in total)	$50,000 per category ($250,000 in total)	N/A	N/A	$1,000 in gross monthly spending across all categories	$2,500 in gross monthly spending across all categories	$0 to $20 000 = 1.25 points per dollar in purchases $20 001 to $30 000 = 2 points per dollar in purchases $30 001 and more = 1.25 points per dollar in purchases	N/A	N/A	N/A	N/A	N/A	N/A	N/A	$50,000 in spending in accelerated categories	$50,000 in spending in accelerated categories	$50,000 in spending in accelerated categories	N/A	N/A	$80,000 in gross annual spending across all categories	$100,000 in annual spending across accelerated categories	$80,000 in annual spending across accelerated categories	$25,000 in annual spending across accelerated categories	$15,000 in annual spending across accelerated categories	$5,000 in annual spending across accelerated categories	N/A	N/A	N/A	N/A	N/A	N/A
Value of points per $1 spent when redeemed for travel	1.5 to 3 cents	1.875 to 4.5 cents	1 to 5 cents (1.5 to 10 cents when using Fixed Points for Travel)	1 to 2 cents (1.5 to 4 cents when using Fixed Points for Travel)	1 cent (1.5 to 2 cents when using Fixed Points for Travel)	1 to 3 cents (1.5 to 6 cents when using Fixed Points for Travel)	1 cent	1.5 cents	~0.38 to 1.14 cents	~0.79 to 2.4 cents	0.67 to 3.34 cents	0.667 to 3.33 cents	0.667 to 3.33 cents	0.667 cents	1 to 1.5 cents or more	1.5 cents to 2.25 cents or more	1.875 cents to 3 cents or more	1 to 2 cents (Aventura chart value: up to 4 cents)	0.5 to 1 cent (Aventura chart value: up to 2 cents)	1 to 2 cents (Aventura chart value: up to 4 cents)	1.25 to 3 cents (Aventura chart value: up to 6 cents)	0.5 cents to 2 cents	1 cent to 2 cents	1.75 cents to 4 cents	1.5 cents to 3 cents	1 cent to 3 cents	0.5 cents to 1 cent	0.5 to 1.5 cents	1 to 3 cents	2 to 5 cents	1 to 4 cents (1.1 to 4.4 cents with the Birthday Bonus)	1 to 5 cents (1.1 to 5.5 cents with the Birthday Bonus)	1.5 to 3 cents	1 to 2 cents	0.67 cents to 2 cents	1 to 5 cents	1.25 to 2 cents	1 to 1.25 cents	1.25 cents	1 cent	1.5 cents to 3 cents or more	1.5 cents to 3 cents or more	0.58 cents to 1.74 cents	0.58 cents to 0.87 cents	1 to 3 cents	1 to 6 cents	1 to 3 cents	2 cents	1 to 2 cents	1.5 cents to 2.25 cents or more	1.875 cents to 3 cents or more	1 to 1.5 cents or more	Expedia for TD travel bookings: 1 to 4 cents (1.1 to 4.4 cents with birthday bonus) Any other travel bookings: 0.8 to 3.2 cents (0.88 to 3.52 cents with birthday bonus)	Expedia for TD travel bookings: 0.75 to 3 cents Any other travel bookings: 0.6 to 2.4 cents	Expedia for TD travel bookings: 0.5 to 2 cents Any other travel bookings: 0.4 to 1.6 cents	0.5% to 1%	1% to 2%	1.25% to 5% (10% for the select local businesses)	1.5% to 5% (10% for the select local businesses)	1% to 1.5%	1.5% to 2%
Miles/Points deposited to	Air Canada Aeroplan	Air Canada Aeroplan	Membership Rewards	Membership Rewards	Membership Rewards	Membership Rewards	ATB My Rewards	ATB My Rewards	AIR MILES	AIR MILES	BMO Rewards	BMO Rewards	BMO Rewards	BMO Rewards	Air Canada Aeroplan	Air Canada Aeroplan	Air Canada Aeroplan	CIBC Rewards	CIBC Rewards	CIBC Rewards	CIBC Rewards	BONUS DOLLARS Rewards	BONUS DOLLARS Rewards	BONUS DOLLARS Rewards	BONUS DOLLARS Rewards	Flex Rewards	HSBC Rewards	HSBC Rewards	HSBC Rewards	Marriott Bpnvoy	MBNA Rewards	MBNA Rewards	Meridian Rewards	Meridian Rewards	À la carte Rewards	À la carte Rewards	À la carte Rewards	Avion Rewards	Avion Rewards	Avion Rewards	British Airways Executive Club	Cathay Pacific Asia Miles	Avion Rewards	Avion Rewards	Scene+	Scene+	Scene+	Scene+	Scene+	Air Canada Aeroplan	Air Canada Aeroplan	Air Canada Aeroplan	TD Rewards	TD Rewards	TD Rewards	Vancity Rewards	Vancity Rewards	Vancity Rewards	Vancity Rewards	WestJet Rewards	WestJet Rewards
Travel Redemption Rate	Varies	Varies	1,000 points = $10 for any travel booked with any travel provider or a 1.5% to 10% return for travel booked via Amex's Fixed Points for Travel program	1,000 points = $10 for any travel booked with any travel provider or a 1.5% to 2% return for travel booked via Amex's Fixed Points for Travel program	1,000 points = $10 for any travel booked with any travel provider or a 1.5% to 2% return for travel booked via Amex's Fixed Points for Travel program	1,000 points = $10 for any travel booked with any travel provider or a 1.5% to 6% return for travel booked via Amex's Fixed Points for Travel program	10,000 points = $10	1,000 points = $10	Varies	Varies	150 points = $1	150 points = $1	150 points = $1	150 points = $1	Varies	Varies	Varies	1,000 points = $10 for any travel booked with CIBC Rewards or up to a 4% return for travel booked via the Aventura Flight Rewards Chart	1,000 points = $10 for any travel booked with CIBC Rewards or up to a 2% return for travel booked via the Aventura Flight Rewards Chart	1,000 points = $10 for any travel booked with CIBC Rewards or up to a 4% return for travel booked via the Aventura Flight Rewards Chart	1,000 points = $10 for any travel booked with CIBC Rewards or up to a 6% return for travel booked via the Aventura Flight Rewards Chart	1 BONUS DOLLAR = $1	1 BONUS DOLLAR = $1	1 BONUS DOLLAR = $1	1 BONUS DOLLAR = $1	1,000 points = $10	1,000 points = $5	1,000 points = $5	1,000 points = $5	Varies	100 points = $1	100 points = $1	100 points = $1	100 points = $1	100 points = $1	100 points = $1	100 points = $1	1,000 points = $10 for any travel booked with Avion Rewards Travel or up to a 2.91% return for travel booked via the Avion Air Travel Redemption Schedule	1,000 points = $10 for any travel booked with Avion Rewards Travel or up to a 2.91% return for travel booked via the Avion Air Travel Redemption Schedule	1,000 points = $10 for any travel booked with Avion Rewards Travel or up to a 2.33% return for travel booked via the Avion Air Travel Redemption Schedule	Varies	Varies	172 points = $1 for any travel booked with Avion Rewards Travel	172 points = $1 for any travel booked with Avion Rewards Travel	1,000 points = $10 (minimum redemption is 100 points)	1,000 points = $10 (minimum redemption is 100 points)	1,000 points = $10 (minimum redemption is 100 points)	1,000 points = $10 (minimum redemption is 100 points)	1,000 points = $10 (minimum redemption is 100 points)	Varies	Varies	Varies	1,000 points = $4 (Any travel redemption) 1,000 points = $5 (ExpediaForTD redemption)	1,000 points = $4 (Any travel redemption) 1,000 points = $5 (ExpediaForTD redemption)	1,000 points = $4 (Any travel redemption) 1,000 points = $5 (ExpediaForTD redemption)	100 points = $1	100 points = $1	100 points = $1	100 points = $1	1% to 1.5%	1.5% to 2%
Exchange Options	N/A	N/A	Convert points to: 6 airline programs and 2 hotel programs	Convert points to: 6 airline programs and 2 hotel programs	Convert points to: 6 airline programs and 2 hotel programs	Convert points to: 6 airline programs and 2 hotel programs	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	N/A	N/A	N/A	N/A	N/A	N/A	N/A	Convert points to: 3 airline programs	Convert points to: 40+ airline programs	N/A	N/A	N/A	N/A	N/A	N/A	N/A	Convert points to: 4 airline programs and Hudson's Bay Rewards	Convert points to: 4 airline programs and Hudson's Bay Rewards	Convert points to: 4 airline programs and Hudson's Bay Rewards	Transfer to other Avios airlines (Aer Lingus, Iberia, Qatar Airways)	N/A	Transfer to WestJet Rewards	Transfer to WestJet Rewards	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	N/A	N/A
Cash Back Redemption Rate	N/A	N/A	1,000 points = $10 statement credit	1,000 points = $10 statement credit	1,000 points = $10 statement credit	1,000 points = $10 statement credit	10,000 points = $10 statement credit	1,000 points = $10 statement credit	95 Miles = $10 if you choose to earn Cash Miles	95 Miles = $10 if you choose to earn Cash Miles	200 points = $1 statement credit	200 points = $1 statement credit	200 points = $1 statement credit	200 points = $1 statement credit	N/A	N/A	N/A	4,000 points = $25 statement credit	4,000 points = $25 statement credit	4,000 points = $25 statement credit	4,000 points = $25 statement credit	N/A	N/A	1 BONUS DOLLAR = $1	N/A	Unknown	25,000 points = $75 statement credit	25,000 points = $75 statement credit	25,000 points = $75 statement credit	N/A	200 points = $1 statement credit	120 points = $1 statement credit	100 points = $1	100 points = $1	6,250 points = $25 12,500 points = $50 25,000 points = $100 125,000 points = $500 250,000 points = $1,000	6,250 points = $25 12,500 points = $50 25,000 points = $100 125,000 points = $500 250,000 points = $1,000	6,250 points = $25 12,500 points = $50 25,000 points = $100 125,000 points = $500 250,000 points = $1,000	17,200 points = $100 statement credit	17,200 points = $100 statement credit	17,200 points = $100 statement credit	N/A	N/A	172 points = $1	172 points = $1	3,000 points = $20 statement credit 4,500 points = $30 statement credit 7,500 points = $50 statement credit 11,000 points = $75 statement credit 14,500 points = $100 statement credit 21,500 points = $150 statement credit 43,000 points = $300 statement credit 71,500 points = $500 statement credit	3,000 points = $20 statement credit 4,500 points = $30 statement credit 7,500 points = $50 statement credit 11,000 points = $75 statement credit 14,500 points = $100 statement credit 21,500 points = $150 statement credit 43,000 points = $300 statement credit 71,500 points = $500 statement credit	3,000 points = $20 statement credit 4,500 points = $30 statement credit 7,500 points = $50 statement credit 11,000 points = $75 statement credit 14,500 points = $100 statement credit 21,500 points = $150 statement credit 43,000 points = $300 statement credit 71,500 points = $500 statement credit	3,000 points = $20 statement credit 4,500 points = $30 statement credit 7,500 points = $50 statement credit 11,000 points = $75 statement credit 14,500 points = $100 statement credit 21,500 points = $150 statement credit 43,000 points = $300 statement credit 71,500 points = $500 statement credit	3,000 points = $20 statement credit 4,500 points = $30 statement credit 7,500 points = $50 statement credit 11,000 points = $75 statement credit 14,500 points = $100 statement credit 21,500 points = $150 statement credit 43,000 points = $300 statement credit 71,500 points = $500 statement credit	N/A	N/A	N/A	400 points = $1 statement credit	400 points = $1 statement credit	400 points = $1 statement credit	100 points = $1	100 points = $1	100 points = $1	100 points = $1	N/A	N/A
Value of points per $1 spent for cash back redemptions	N/A	N/A	1% to 5%	1% to 2%	1%	1% to 3%	1%	1.5%	0.42% to 1.26%	0.88% to 2.63%	0.5% to 2.5%	0.5% to 2.5%	0.5% to 2.5%	0.5%	N/A	N/A	N/A	0.69% to 1.25%	0.35% to 0.7%	0.69% to 1.25%	0.86% to 2.07%	N/A	N/A	1.75% to 4%	N/A	Unknown	0.3% to 0.6%	0.3% to 0.9%	0.6% to 1.8%	N/A	0.5% to 1%	0.83% to 4.15%	1.5% to 3%	1% to 2%	0.27% to 0.8%	0.4% to 2%	0.5% to 0.8%	0.58% to 0.73%	0.73%	0.58%	N/A	N/A	0.58 cents to 1.74 cents	0.58 cents to 0.87 cents	0.67% to 2.1%	0.67% to 4.2%	0.67% to 4.2%	1.34% to 1.4%	0.67% to 1.4%	N/A	N/A	N/A	0.75% to 2.25% (0.825 to 2.48% with birthday bonus)	0.38% to 1.5%	0.25% to 1%	0.5% to 1%	1% to 2%	1.25% to 5% (10% for the select local businesses)	1.5% to 5% (10% for the select local businesses)	N/A	N/A
Annual Credit	N/A	NEXUS Credit:$100 every 48 months	N/A	$100 Annual Travel Credit NEXUS Credit: $50 every 48 months	N/A	$200 Annual Travel Credit NEXUS Credit:$100 every 48 months	N/A	N/A	N/A	N/A	N/A	$50 annual lifestyle credit	$200 annual lifestyle credit	N/A	N/A	N/A	NEXUS Credit:Up to $50 every 48 months	N/A	N/A	N/A	$200 annual travel credit 2 each NEXUS Credits every 4 years	N/A	N/A	N/A	N/A	N/A	N/A	N/A	$100 (Towards travel enhancements only)	N/A	N/A	N/A	N/A	N/A	N/A	$150 towards travel fees	N/A	N/A	N/A	N/A	10% off British Airways flights when you book and pay with your card	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	NEXUS Credit: Up to $100 every 48 months	NEXUS Credit: Up to $125 every 48 months	N/A	$100 (Towards select travel bookings of $500 or more with Expedia for TD)	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Annual Companion Voucher	No	One Annual Worldwide Companion Pass when you spend $25,000 in net purchases prior to your Card anniversary date	No	No	No	No	No	No	No	No	No	No	No	No	N/A	N/A	One Annual Worldwide Companion Pass when you spend $25,000 in net purchases prior to your Card anniversary date	No	No	No	No	No	No	No	No	No	No	No	No	No	No	No	No	No	No	No	No	No	No	No	Earn a companion award voucher when you spend $30,000 CAD annually	No	No	No	No	No	No	No	No	No	One Annual Worldwide Companion Pass when you spend $25,000 in net purchases prior to your Card anniversary date	No	No	No	No	No	No	No	No	Yes Travel to Canada and the Continental US for $199 CAD	Yes Travel to Canada and the Continental US for $119 CAD Travel to the rest of the WestJet network for $399 CAD
Airport Lounge Access Membership	No	Yes	No	Yes	No	Yes	No	Yes	No	Yes	Yes	No	Yes	No	N/A	N/A	Yes	Yes	No	Yes	Yes	No	No	Yes	Yes	Yes	No	No	Yes	No	No	Yes	No	No	No	Yes	Yes	No	Yes	No	No	No	No	No	No	No	Yes	Yes	No	No	Yes	No	No	No	No	No	No	Yes	Yes	No	Yes
Airport Lounge Access Annual Passes	0	Unlimted for Maple Leaf Lounges in North America	0	4	0	Unlimited	0	0	0	0	4	0	6	0	0	0	Unlimted for Maple Leaf Lounges in North America plus 6 passes for other lounges	4	0	4	6	0	0	12 (For Desjardins Odyssey Lounge at Montréal-Trudeau Airport only)	8 (For Desjardins Odyssey Lounge at Montréal-Trudeau Airport only)	0	0	0	0	0	0	0	0	0	0	Unlimited for National Bank Lounge at Montréal-Trudeau Airport	0	0	6	0	0	0	0	0	0	0	6	10	0	0	Unlimted for Maple Leaf Lounges in North America plus 6 passes for other lounges	0	0	0	0	0	0	0	6	0	0
Free Global Wi-Fi	No	No	No	No	No	No	Np	Yes	No	Yes	Yes	No	No	No	No	No	No	No	No	No	No	No	No	No	Yes	Yes	No	No	Yes	No	No	Yes	No	No	No	Yes	Yes	No	No	No	No	No	No	No	No	No	No	No	No	No	No	No	No	No	No	No	No	No	No	No	Yes
Common Carrier Travel Accident Insurance	$500,000	$500,000	$250,000	$500,000	None	$500,000	$200,000	$500,000	None	$500,000	$500,000	$500,000	$500,000	None	$100,000	$500,000	$500,000	$500,000	$100,000	$500,000	$500,000	None	None	None	None	None	None	None	$500,000	$500,000	None	$1,000,000	$1,000,000	$500,000	None	None	None	$500,000	$500,000	$500,000	$500,000	$500,000	None	None	None	$500,000	$500,000	$500,000	None	$500,000	$500,000	$500,000	$500,000	$500,000	None	$200,000	$500,000	$500,000	$500,000	$500,000	$500,000
Flight Delay Insurance	4 hours $500 in total	4 hours up to $1,000 total	4 hours $500 in total	4 hours $500 in total	None	4 hours $1,000 per person	4 hours $250 per day $500 in total	4 hours $250 per day $500 in total	None	6 hours $500 in total	6 hours $500 in total	None	4 hours $1,000 in total	None	None	4 hours up to $500 total	$500 per person Max $1,000 per occurence	4 hours $500 in total	None	4 hours $500 in total	4 hours $500 per person / $1,000 in total	None	None	None	None	None	None	None	6 hours $250 per day / $500 max	4 hours $500 in total	None	4 hours up to $500 per person	None	None	4 hours up to $500 per person	4 hours up to $500 per person	4 hours up to $500 per person	4 hours $250 per person / $500 in total	4 hours $500 per person / $1,000 in total	4 hours $250 per person / $500 in total	4 hours $250 per person / $500 in total	4 hours $250 per person / $500 in total	None	None	None	4 hours $500 in total	4 hours $500 per person	4 hours $1,000 per person	None	4 hours up to $500 per person	4 hours up to $1,000 in total	4 hours up to $500 per person	4 hours up to $500 per person	4 hours up to $500 per person	None	None	None	4 hours up to $500 per person	4 hours up $1,000 per person	4 hours up to $500 per person	4 hours up to $500 per person
Delayed Baggage Insurance	6 hours $500 in total	6 hours $1,000 in total	6 hours $500 in total	6 hours $500 in total	None	6 hours $1,000 per person	4 hours $250 per day $500 in total	4 hours $250 per day $500 in total	None	12 hours $200 per trip	12 hours $200 per trip	None	4 hours $1,000 in total	None	None	6 hours $500 per person Max $1,000 per occurence	$500 per person Max $1,000 per occurence	6 hours $500 per person / $1,000 in total	None	6 hours $500 per person / $1,000 in total	6 hours $500 per person / $1,000 in total	6 hours $500 per person	6 hours $500 per person	4 hours $1,000 per person	6 hours $500 per person	6 hours $500 in total	None	6 hours $100 per day up to three days	6 hours $200 per trip	6 hours $500 in total	None	4 hours up to $1,000 per person	6 hours up to $500 per person	6 hours up to $500 per person	6 hours up to $500 per person	6 hours up to $500 per person	6 hours up to $500 per person	4 hours $500 per person / $2,500 in total	4 hours $750 per person / $3,000 in total	4 hours $500 per person / $2,500 in total	4 hours $500 per person / $2,500 in total	4 hours $500 per person / $2,500 in total	None	None	None	4 hours $1,000 in total	4 hours $1,000 in total	4 hours $1,000 in total	None	6 hours up to $1,000 per person	4 hours up to $1,000 per person	6 hours up to $1,000 per person	6 hours up to $1,000 per person	6 hours up to $1,000 per person	None	None	4 or 6 hours (they list both) and actual coverage is not specified	4 hours up to $500 total	4 hours up to $1,000 total	4 hours up to $500 per person	4 hours up to $500 per person
Lost / Stolen Baggage Insurance	$500 in total	$1,000 in total	$500 in total	$500 in total	None	up to $1,000	None	up to $1,000 in total	None	up to $750 per person / $2,000 max per trip	up to $750 per person / $2,000 max per trip	None	$1,000 per person / $2,500 in total	None	None	Up to $500 per person Max $1,000 per occurence	Up to $1,000 per person Max $2,500 per occurence	$500 per person / $1,000 in total	None	$500 per person / $1,000 in total	$1,000 per person / $2,500 in total	up to $500 per person (max trip length 3 days)	up to $1,000 per person	up to $2,500 per person	up to $1,000 per person	up to $1,000 total	None	None	up to $1,000 per person	$500 in total	None	Up to $1,000 per person	Up to $1,000 per person	Up to $1,000 per person	Up to $1,000 per person	Up to $1,000 per person	Up to $1,000 per person	$500 per person / $2,500 in total	Up to $2,500 in total	$500 per person / $2,500 in total	$500 per person / $2,500 in total	$500 per person / $2,500 in total	None	None	None	$1,000 in total	$1,000 in total	$1,000 in total	None	Up to $1,000 per person	Up to $2,500 per person	Up to $1,000 per person	Up to $1,000 per person	Up to $1,000 per person	None	None	up to $1,000 per person	up to $1,000 per person	up to $2,500 per person	None	None
Damaged Baggage Insurance	$500 in total	$1,000 in total	$500 in total	$500 in total	None	up to $1,000	None	None	None	up to $750 per person / $2,000 max per trip	up to $750 per person / $2,000 max per trip	None	$1,000 per person / $2,500 in total	None	None	Up to $500 per person Max $1,000 per occurence	up to $1,000 per person Max $2,500 per occurence	$500 per person / $1,000 in total	None	$500 per person / $1,000 in total	$1,000 per person / $2,500 in total	up to $500 per person (max trip length 3 days)	up to $1,000 per person	up to $2,500 per person	up to $1,000 per person	None	None	None	up to $750 per person	$500 in total	None	None	Up to $1,000 per person	Up to $1,000 per person	Up to $1,000 per person	Up to $1,000 per person	Up to $1,000 per person	None	Up to $2,500 in total	None	None	None	None	None	None	None	None	None	None	None	None	None	None	None	None	None	None	None	None	None	None
Trip Cancellation Insurance	None	Yes $1,500 per person up to $3,000 maximum per account	None	$1,500 per person up to $3,000 maxmimum per account	None	$2,500 per person up to $5,000 maxmimum per account	None	$1,000 per person (max $5,000)	None	$2,500 per person (max $5,000)	$2,500 per person (max $5,000)	None	$2,500 per person up to $5,000 maxmimum per account	None	None	$1,500 per person up to $5,000 maximum per account	$2,500 per person up to $10,000 maximum per account	None	None	$1,500 per person (max $5,000)	$2,500 per person / $10,000 in total	up to $500 per person (max trip length 3 days)	$2,500 per person	$2,500 per person	$2,500 per person	up to $2,000 per person	None	None	$2,000 per person (max $5,000)	None	None	None	Up to $2,000 per person	None	$1,000 per person	$2,500 per person	$2,500 per person	$1,500 per person (up to $5,000 per trip)	$2,500 per person	$1,000 per person (up to $5,000 per trip)	None	None	None	None	None	Yes $1,500 per person (up to $10,000 per trip)	Yes $1,500 per person (up to $10,000 per trip)	$2,500 per person (up to $10,000 per trip)	None	Yes $1,500 per person up to $5,000 maximum per account	$2,500 per person up to $5,000 maximum per account	None	Yes $1,500 per person (max $5,000)	None	None	None	None	None	$2,500 per person up to $25,000 maximum per trip	None	None
Trip Interruption Insurance	None	Yes $1,500 per person up to $6,000 maximum per account	None	$1,500 per person up to $6,000 maxmimum per account	None	$2,500 per person up to $6,000 maxmimum per account	None	$1,000 per person (max $5,000)	None	$2,000 per person	$2,000 per person	None	$5,000 per person up to $25,000 maxmimum per account	None	None	$2,000 per person	$5,000 per person up to $25,000 maximum per account	None	None	$2,000 per person	$5,000 per person (up to $25,000 per trip)	up to $1,000 per person (max trip length 3 days)	No set maximum	No set maximum	No set maximum	Unlimited	None	$1,500 per person (max $5,000)	$2,000 per person (max $5,000)	None	None	None	Up to $2,000 per person	None	$1,500 per person	$5,000 per person	$5,000 per person	$5,000 per person (up to $25,000 per trip)	$5,000 per person	$2,500 per person	None	None	None	None	None	$1,500 per person (up to $10,000 per trip)	$2,500 per person (up to $10,000 per trip)	$5,000 per person (up to $25,000 per trip)	None	Yes $2,500 per person up to $25,000 maximum per account	$5,000 per person up to $25,000 maximum per account	None	$5,000 per person (max $25,000)	None	None	None	None	None	$2,500 per person up to $25,000 maximum per trip	None	Yes $5,000 per person up to $25,000 maximum per account
Travel Medical Insurance up to 64 years old	None	15 Days	15 Days	15 Days	None	15 Days	None	22 days	None	15 days	21 days	15 Days	22 Days	None	None	15 Days	31 Days	15 days	None	15 days	31 days	3 days	60 days to age 59, 31 days 60-64	60 days to age 59, 31 days 60-64	60 days to age 59, 31 days 60-64	60 days to age 54, 31 days ages 55-64	None	None	31 days	None	None	21 Days	48 days to age 59, 23 days ages 60-64	None	10 days	60 days to age 54, 31 days ages 55-64	60 days to age 54, 31 days ages 55-64	15 Days	31 Days	None	31 Days	None	None	None	None	25 Days	25 Days	31 Days	None	21 Days	31 Days	None	21 Days	None	None	None	None	None	22 days	None	15 days
Travel Medical Insurance 65+	None	None	None	None	None	None	None	None	None	None	None	None	3 Days	None	None	3 Days	10 days	3 Days	None	3 Days	10 days	3 days to age 75	15 days to age 75	15 days to age 75	15 days	10 days to age 75	None	None	21 days	None	None	None	15 days to age 75	None	10 days to age 75	15 days to age 75	15 days to age 75	3 Days	7 Days	None	7 Days	None	None	None	None	3 Days	3 Days	10 Days	None	4 Days	4 days	None	4 Days	None	None	None	None	None	3 days	None	3 days
Auto Rental/Loss Damage Insurance	48 Days Up to $85,000 MSRP	48 Days Up to $85,000 MSRP	48 Days Up to $85,000 MSRP	48 Days Up to $85,000 MSRP	None	48 Days Up to $85,000 MSRP	31 Days Up to $65,000 MSRP	48 Days Up to $65,000 MSRP	None	48 Days Up to $65,000 MSRP	48 Days Up to $65,000 MSRP	48 Days Up to $65,000 MSRP	48 Days Up to $85,000 MSRP	None	48 Days Up to $65,000 MSRP	48 Days Up to $65,000 MSRP	48 Days Up to $85,000 MSRP	48 Days Up to $65,000 MSRP	48 Days Up to $65,000 MSRP	48 Days Up to $65,000 MSRP	48 Days Up to $85,000 MSRP	None	48 Days Up to $85,000 MSRP	48 Days Up to $85,000 MSRP	48 Days Up to $85,000 MSRP	48 Days Up to $65,000 MSRP	None	None	31 Days Up to $65,000 MSRP	48 Days Up to $85,000 MSRP	None	31 Days Up to $65,000 MSRP	48 Days Up to $65,000 MSRP	48 Days Up to $65,000 MSRP	48 Days Up to $65,000 MSRP	48 Days Up to $65,000 MSRP	48 Days Up to $65,000 MSRP	48 Days Up to $65,000 MSRP	48 Days Up to $85,000 MSRP	48 Days Up to $65,000 MSRP	48 Days Up to $65,000 MSRP	48 Days Up to $65,000 MSRP	None	None	None	48 Days Up to $65,000 MSRP	48 Days Up to $65,000 MSRP	48 Days Up to $65,000 MSRP	None	48 Days Up to $65,000 MSRP	48 Days Up to $85,000 MSRP	48 Days Up to $65,000 MSRP	48 Days Up to $65,000 MSRP	48 Days Up to $65,000 MSRP	None	None	48 days Up to $65,000 MSRP	48 days Up to $65,000 MSRP	48 Days Up to $85,000 MSRP	48 days Up to $65,000 MSRP	48 days Up to $65,000 MSRP
Hotel / Motel Burglary Insurance	Up to $500	Up to $1,000	Up to $500	Up to $500	None	Up to $1,000	None	Up to $1,000	None	None	None	None	Yes Up to $2,500	None	None	Up to $2,500 per occurence	Up to $2,500 per occurence	Up to $2,500	None	Up to $2,500	Up to $2,500	None	None	None	None	None	None	Up to $1,000	Up to $1,000	Up to $500	None	None	None	None	None	None	None	Up to $2,500	Up to $3,000	Up to $2,500	Up to $2,500	Up to $2,500	None	None	None	Up to $1,000	Up to $1,000	Up to $1,000	None	Up to $2,500 per occurrence	Up to $2,500 per occurence	Up to $2,500 per occurrence	Up to $2,500 per occurrence	Up to $2,500 per occurrence	None	None	None	None	None	Up to $2,500 per occurrence	Up to $2,500 per occurrence
Purchase Protection	90 Days up to $1,000 per occurrence	90 Days up to $1,000 per occurrence	90 Days up to $1,000 per occurrence	90 Days up to $1,000 per occurrence	90 Days up to $1,000 per occurrence	120 Days up to $1,000 per occurrence	90 Days Up to $50,000 lifetime	90 Days Up to $50,000 lifetime	90 Days Up to $60,000 lifetime	90 Days Up to $60,000 lifetime	90 Days Up to $60,000 lifetime	90 Days Up to $60,000 lifetime	120 Days Up to $60,000 lifetime	90 Days Up to $60,000 lifetime	90 Days Up to $60,000 lifetime	90 Days Up to $60,000 lifetime	180 Days Up to $60,000 lifetime	90 Days Up to $60,000 lifetime	90 Days Up to $60,000 lifetime	90 Days Up to $60,000 lifetime	180 days Up to $60,000 lifetime	90 Days Up to $50,000 lifetime	120 days Up to $50,000 lifetime	180 days Up to $50,000 per year	120 days Up to $50,000 lifetime	90 Days Up to $50,000 lifetime	90 days Up to $60,000 lifetime	90 days Up to $60,000 lifetime	90 Days Up to $60,000 lifetime	90 Days up to $1,000 per occurrence	90 Days Up to $60,000 lifetime	90 Days Up to $60,000 lifetime	90 Days Max $50,000 in a lifetime	90 Days Max $50,000 in a lifetime	180 days Up to $60,000 lifetime	180 days Up to $60,000 lifetime	180 days Up to $60,000 lifetime	90 Days Up to $50,000 annually	120 Days Up to $50,000 annually	90 Days Up to $50,000 annually	90 Days Up to $50,000 annually	90 Days Up to $50,000 annually	90 Days Up to $50,000 annually	90 Days Up to $50,000 annually	90 Days Up to $60,000 lifetime	90 Days Up to $60,000 lifetime	90 Days Up to $60,000 lifetime	120 Days Up to $60,000 lifetime	None	90 Days Up to $60,000 lifetime	120 Days Up to $60,000 lifetime	90 Days Up to $60,000 lifetime	90 Days Up to $60,000 lifetime	90 Days Up to $60,000 lifetime	90 Days Up to $60,000 lifetime	90 Days Max $50,000 in a lifetime	90 Days Max $50,000 in a lifetime	90 Days Max $50,000 in a lifetime	90 Days Max $50,000 in a lifetime	90 Days Max $50,000 in a lifetime	90 Days Max $50,000 in a lifetime
Price Protection	None	None	None	None	None	None	None	Yes	None	None	None	None	None	None	None	None	None	None	None	None	None	None	None	None	None	None	Yes	None	Yes	None	None	None	Yes	Yes	None	None	None	None	None	None	None	None	None	None	None	None	None	None	None	None	None	None	None	None	None	None	Yes	Yes	Yes	None	None
Extended Warranty Plan	Up to 1 extra year	Up to 1 extra year	Up to 1 extra year	Up to 1 extra year	Up to 1 extra year	Up to 1 extra year	Up to 1 extra year	Up to 1 extra year	Up to 1 extra year	Up to 1 extra year	Up to 1 extra year	Up to 1 extra year	Up to 2 extra years	Up to 1 extra year	Up to 1 extra year	Up to 1 extra year	Up to 2 extra years	Up to 1 extra year	Up to 1 extra year	Up to 1 extra year	Up to 2 extra years	Up to 1 extra year	Up to 2 extra years	Up to 2 extra years	Up to 2 extra years	Up to 1 extra year	Up to 1 extra year	Up to 1 extra year	Up to 1 extra year	Up to 1 extra year	Up to 1 extra year	Up to 1 extra year	Up to 1 extra year	Up to 1 extra year	Up to 2 extra years	Up to 2 extra years	Up to 2 extra years	Up to 1 extra year	Up to 2 extra years	Up to 1 extra year	Up to 1 extra year	Up to 1 extra year	Up to 1 extra year	Up to 1 extra year	Up to 1 extra year	Up to 1 extra year	Up to 1 extra year	Up to 2 extra years	None	Up to 1 extra year	Up to 2 extra years	Up to 1 extra year	Up to 1 extra year	Up to 1 extra year	Up to 1 extra year	Up to 1 extra year	Up to 1 extra year	Up to 1 extra year	Up to 1 extra year	Up to 1 extra year	Up to 1 extra year
Mobile Device Insurance	None	None	Up to $1,000	None	None	None	None	None	None	None	None	Up to $1,000	Up to $1,000	None	None	Up to $1,000	Up to $1,000	Up to $1,000	None	Up to $1,000	Up to $1,500	Up to $1,000	Up to $1,500	Up to $1,500	Up to $1,500	Up to $1,000	None	None	Up to $1,000	None	Up to $1,000	Up to $1,000	Up to $1,000	Up to $1,000	Up to $1,000	Up to $1,000	None	Up to $1,500	Up to $1,500	None	None	None	Up to $1,000	None	Up to $500	None	None	Up to $1,000	None	Up to $1,000	Up to $1,500	Up to $1,000	Up to $1,000	Up to $1,000	Up to $1,000	None	None	Up to $1,000	Up to $1,000	None	None
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BMO

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CIBC

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HSBC

*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)

RBC

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

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