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The Ultimate Credit Card Portfolio for Family Travel
Last Updated: November 21, 2017


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In this feature of Rewards Canada's Ultimate Credit Card Portfolios we look at the ultimate wallet for families who like to travel. We have always recommended that you should carry a Visa, a Mastercard and an American Express card in your wallet. The reason why is that there are benefits, promotions and earning potential unique to each brand of credit card. We won't go into detail here on those offers as you can read all about it in our feature on how to Maximize your Miles and Points but here we outline one card from each brand that will help you and your family save money on travel, have fun free nights and more. Ultimately there are various options that could be utilized for a family travel portfolio depending on your travel and spending habits but we look at one card from each issuing brand that won't totally break the bank on annual fees and provide lots of rewards, benefits beyond rewards along with some great insurance coverage.

What is Rewards Canada's Ultimate Family Travel Credit Card Wallet? It is the following three cards:

Mastercard - WestJet RBC World Elite Mastercard

Visa - RBC Avion Visa Infinite

American Express - American Express Cobalt™ Card

In this portfolio, 2 of 3 cards are more about the perks provided rather than the rewards earned while the third is there for the strong earn and insurance coverage. Ultimately however, all three cards do earn decent rewards for various type of travel so unlike our other Ultimate Portfolios where there is usually one primary card, this wallet allows for any of the three cards to be your primary card or you can share the wealth and use all three equally on your spending.

Earning / Spending

In terms of spreading your spending out on these cards, as we mentioned above you really could use any of the three for purchases however there are some specific category bonuses for each card where you'll want to pull out that card for that purchase. If you are buying groceries, dining out to eat or ordering Uber Eats, you'll want to put those purchases on the American Express Cobalt Card. Why? The card offers 5 points per dollar on spending in those categories! That is equivalent to a 5% return, which can only be matched by few redemptions out there with programs like Aeroplan or Marriott Bonvoy. Further more the card offers 2 points per dollar on transit, travel and gas so put those purchases on this card as well. If the places don't accept American Express you could go with either of your two other cards. Purchasing WestJet flights or WestJet vacation packages, well then it makes sense to use the WestJet RBC World Elite Mastercard since it provides 2% back in WestJet dollars on those bookings. All other purchases? It really is up to you where you'll want to funnel them but know that the WestJet card offers 1.5% on all other purchases, the American Express Cobalt is 1% and the RBC Avion Visa Infinite card can get you a return as high as 2.33% but in most cases it is somewhere between1 and 2%.

How to maximize the benefits and rewards from these cards for your family

This is the fun part of the portfolio! The perks that come with one of the three cards can help you save money on your travels and provide some extra fun perks. That card is the WestJet RBC World Elite Mastercard. Here are the perks of the WestJet card:

There are two major money saving benefits that come with the WestJet RBC World Elite Mastercard. The first is that it provides the first checked bag free for the cardholder and up to eight other people on the same travel reservation. With most family travel not limited to overnight trips where you may not check luggage this can be a huge cost saver. A family of four travelling to Disneyland, Disneyworld or anywhere else WestJet flies will save $100+GST/HST each direction on those flights. Take two family vacations per year? You could save yourself over $400 just on baggage fees! The second money saving benefit is the companion pass offer that comes with the card. Up until a year ago the pass was limited to flights within Canada or the lower 48 of the U.S. but that was changed to being able to use it to anywhere WestJet flies in any fare class. The pass lowers the cost of a companion ticket to anywhere from $99 to $399 depending on where you fly to and can be a huge cost saver. That family of four going to Disneyland during March Break could see fares in the $500 or more range but using the companion pass on one of those tickets means it will only cost you $99+taxes/fees saving you $400 (see our link just below on other cost savings examples with the companion pass). The companion pass voucher is awarded annually so you can save money every year and if you are that family of four you may want to explore grabbing two WestJet World Elite Mastercards, one for mom and one for dad. That way you can take advantage of two annual companion pass vouchers and if one spouse is travelling alone they'll still get the first bag free benefit.

Related: Say hello to the updated WestJet RBC World Elite Mastercard - travelling with a companion just got way better!


On the rewards side, all three cards are great! The WestJet cards comes with that 250 WestJet dollar sign up bonus on top of the other benefits we mentioned and remember folks, this card only costs $99 per year! Not only have you got the companion voucher, the first bag free now you have 250 WestJet dollars to use on any WestJet flight since WestJet dollars are treated like really cash, buying four $500 tickets for that trip to Disneyland, you've utilized the voucher as we mentioned above to save $400 on one ticket, now you can also redeem the $250 towards the tickets so your savings have been pushed to $650 and we haven't included the bag fees saved. Chances are you'll have more than 250 dollars in your WestJet account so the savings could be even higher. Are you getting the picture on how this card is ideal for the family who travels within Canada, the U.S., sun destinations or even the U.K. Of course travelling anywhere else and you don't see the benefits but from our numerous discussion with so many families it seems like North America and sun destinations are on the top of the list for most Canadian families.

The RBC Avion Visa Infinite card earns points that can be used towards flights that can be redeemed via their Avion airline redemptoin chart which provides up to 2.33% return. Right now you can receive up to 35,000 bonus RBC Rewards points when you sign up for the card. We recommend reading our feature on How to maximize value out of the RBC Avion Airline Award Chart to learn the ins and outs of the chart. You can also convert RBC Rewards points to British Airways, American AAdvantage, WestJet Rewards and Cathay Pacific Asia Miles. The best bet is British Airways since twice per year they provide a bonus of anywhere of 30% to 50% when you do convert to BA. Here are two articles that really show effective of program British Airways Executive Club can really be:

Finally, with the American Express Cobalt card this is where you can put that 5% you earn to real good use but we'll return to that in a second. When you get the card it currently comes with an up to 30,000 point bonus when you spend $500 per month during the first 12 months. You then have the 5 points per dollar spent on Dining, Grocery and food delivery purchases so you can really make the points add up faster with this card. The redemption side for rewards with this card are another ray of sunlight. You can book any travel with anyone you want and then redeem the points against the charge. Booking the Disneyland Resort hotel or the Grand Californian for that Disneyland trip we keep mentioning? Say you book 3 nights at $350 per night and have 35,000 points on your Cobalt card? Well you can redeem those points for a $350 credit towards the $1050 charged to you card. You are essentially giving you one night free, of course if you have more points you can redeem even more or less, its all up to you. You also have the beauty of continuing to spend on the card and earn more points to redeem against that hotel stays since Amex gives you up to 12 months after the charge posts to your account to redeem the points for it.

That's it in a nutshell, the Ultimate Family Credit Card Portfolio. I could write way more than this on how to utilize these three cards but I don't want to bore you. I think what we have above gives you a pretty clear picture on how you can save your family loads of money on all those vacations that most of us want to take!

The Ultimate Family Credit Card Portfolio:

Card Card Features

WestJet RBC World Elite Mastercard
WestJet RBC World Elite Mastercard

Get 350 welcome WestJet dollars on your first purchase +  2x the WestJet dollars on groceries, restaurants and food delivery (in the first 3 months)

- New cardholders, get this card before May 31, 2021 and pay only the taxes, fees and charges for the companion on your first round-trip companion voucher. Purchase one round trip Economy fare within Canada or to the U.S., Mexico and the Caribbean and get the second for $0 plus taxes, fees and charges. That’s an additional savings of up to $399CAD on top of the fare savings.  Or you can apply your companion voucher towards a Premium fare or to anywhere WestJet currently flies and pay the regular companion voucher fare starting at $119 CAD
- 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
Apply Now

RBC Avion Visa Infinite

Apply Now
RBC Avion Visa Infinite

Annual Fee: $120
Additional Card Fee: $50

  • Get 35,000 Welcome Points upon Approval when you apply by July 26, 21
  • Earn 25% more RBC Rewards points on travel related purchases
  • 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
  • Redeem your points toward your credit card balance using Payback with Points
  • 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
Apply Now

American Express Cobalt™ Card

American Express Cobalt™ Card

• In your first year as a new Cobalt Cardmember, you can earn 2,500 Membership Rewards® points for each monthly billing period in which you spend $500 in net purchases on your Card. This could add up to 30,000 points in a year
   • 30,000 points is enough for: 
   • $300 in statement credits redeemed towards travel purchases charged to your Card or 
   • $225 in American Express® Prepaid Cards 
• Earn 5x the points on eligible eats and drinks in Canada, including groceries and food delivery
• Earn 2 points for every $1 spent on eligible transit & gas purchases in Canada and eligible travel purchases. That's 2X the points on purchases that get you from point A to B
• Earn 1 point for every $1 in Card purchases everywhere else. We won't tell you where to spend, we'll just reward you on your Card purchases
• 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, current product information and Terms and Conditions, click the Apply now link. Conditions Apply

Apply Now

Related: American Express Cobalt Card Review / RBC Avion VIsa Infinite Review / WestJet RBC World Elite Mastercard Review

Other Card Options:

There are potentially lots of other cards options but most won't provide the cost savings outside of rewards points like the list we provide above. Of course you could always consider the best overall card in Canada, the American Express Gold Rewards Card as it works just like the American Express Cobalt Card in that you can redeem for any travel and it also gives you the option of converting to Aeroplan, British Airways and several other programs. Another option is the Marriott Bonvoy American Express Card as it is strong for redeeming at Marriott hotels but also gives you the option to convert to 40+ airlines including Aeroplan. The RBC Avion Visa Platinum could be another choice for the Visa slot seeing that you can redeem for almost any flight, read our post on How to maximize value out of the RBC Avion Airline Award Chart to make the most of this card and it also gives you the opportunity to convert to WestJet dollars, American Airlines and British Airways. On the Mastercard front, there are no cards out there that compare with the WestJet card for saving you money on the travel extras like bag fees and companion fares however there are cards like the mbna Rewards World Elite Mastercard which have higher returns on the actual points for purchases at 2% for travel redemptions versus the WestJet's 1.5%. With all these other card options you need to weigh not just the earn rate but also the perks and benefits to see which combination of cards will provide the best value for your family.

Talk to us!

What do you find works best for your family? Do you use these three cards exactly as laid out above or do you use a different combination? Tell us in the comments section below or join the conversation on Facebook and Twitter!

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