Our 3 best travel credit cards in Canada
A travel rewards credit card can enhance your travel experience by earning you points or miles on flights, while also offering premium perks like airport lounge access and other on-the-go comforts. Here's our Top 3.
Compare travel credit cards in Canada with our full list here
Whether you’re a bargain hunter, snowbird, frequent flyer or bonus surfer, we’ve handpicked the best card for travel rewards (part of our bigger Best Credit Cards Canada list) to help you fly and stay for less (or for free!). Here's more detail on the top 3 travel cards with some other great loyalty-specific options based on our extensive research.
🏅 Gold: CIBC Aeroplan® Visa Infinite* Card
up to 40,000 points
Welcome Bonus
$1,646
First Year Value
$546
Annual Value
Welcome Bonus: Join and get up to $1,100 in value in your first year!†
Get this card if you...
- frequently travel with Air Canada and collect Aeroplan points
- value comprehensive travel insurance
- value a great welcome offer
Annual Fee & Annual Interest Rates
$139
Annual Fee
20.99%
Purchase
22.99%
Cash Advance
22.99%
Balance Transfer
Our Take
The CIBC Aeroplan® Visa Infinite* Card is a travel rewards credit card tailored for frequent Air Canada travelers, offering elevated Aeroplan point accumulation on eligible gas, grocery and direct Air Canada purchases. Cardholders benefit from perks such as a free first checked bag on Air Canada flights, access to exclusive Visa Infinite offers, and comprehensive travel insurance.
Eligibility
Very Good (671 - 739)
Recommended Credit Score
$60,000
Required Annual Personal Income
$100,000
Required Annual Household Income
Pros
- Earn up to 40,000 bonus Aeroplan points in the first year
- Earn up to 1.5 Aeroplan points on purchases
- Free checked bags on Air Canada flights
- Special pricing on Aeroplan flight rewards
- Includes travel insurance
Cons
- High income requirement of either $60,000 personal or $100,000 household
- Rewards go furthest when redeeming for Air Canada flights, so that can limit your travel options
Annual Interest Rates
20.99%
Purchase
22.99%
Cash Advance
22.99%
Balance Transfer
25.99%
Penalty
Fees
$139
Annual Fee
2.50%
Foreign Transaction
5.00%
Balance Transfer
$5
Cash Advance
$29
Over The Limit Penalty
$42.5
Return Penalty
Rewards Aeroplan
1.5 pts
for every $1 you spend on eligible gas, electric vehicle charging, groceries and with Air Canada directly, including through Air Canada Vacations®
1 pt
for every $1 you spend on all other purchases.
2x
Earn points twice at over 150 Aeroplan partners and more than 170 online retailers through the Aeroplan eStore.
Insurance Benefits
$1,000
Mobile device insurance amount
$5,000,000
Emergency medical insurance amount
$2,500
Hotel burglary insurance
$65,000
Rental car insurance amount
Join and get up to $1,100 in value in your first year!†
Get a total of up to 40,000 Aeroplan points (up to $800 in travel value†):
10,000 Aeroplan points when you make your first purchase†.
10,000 Aeroplan points when you spend $5,000 or more during the first 4 monthly statements periods†.
20,000 Aeroplan points as an additional anniversary bonus when you have at least $10,000 in net purchases posted on your account during the first 12 monthly statement periods†.
Enjoy a free first checked bag: a $140 value for 2 travellers for each round-trip flight, assuming you take one round-trip Air Canada flight in the first year†.
Plus, get a one-time annual fee rebate ($139) for you (the primary cardholder) and up to three authorized users ($50 each): up to $189 value†.
Our Take
The CIBC Aeroplan® Visa Infinite* Card is a travel rewards credit card tailored for frequent Air Canada travelers, offering elevated Aeroplan point accumulation on eligible gas, grocery and direct Air Canada purchases. Cardholders benefit from perks such as a free first checked bag on Air Canada flights, access to exclusive Visa Infinite offers, and comprehensive travel insurance.
Eligibility
Very Good (671 - 739)
Recommended Credit Score
$60,000
Required Annual Personal Income
$100,000
Required Annual Household Income
Pros
- Earn up to 40,000 bonus Aeroplan points in the first year
- Earn up to 1.5 Aeroplan points on purchases
- Free checked bags on Air Canada flights
- Special pricing on Aeroplan flight rewards
- Includes travel insurance
Cons
- High income requirement of either $60,000 personal or $100,000 household
- Rewards go furthest when redeeming for Air Canada flights, so that can limit your travel options
Annual Interest Rates
20.99%
Purchase
22.99%
Cash Advance
22.99%
Balance Transfer
25.99%
Penalty
Fees
$139
Annual Fee
2.50%
Foreign Transaction
5.00%
Balance Transfer
$5
Cash Advance
$29
Over The Limit Penalty
$42.5
Return Penalty
Rewards Aeroplan
1.5 pts
for every $1 you spend on eligible gas, electric vehicle charging, groceries and with Air Canada directly, including through Air Canada Vacations®
1 pt
for every $1 you spend on all other purchases.
2x
Earn points twice at over 150 Aeroplan partners and more than 170 online retailers through the Aeroplan eStore.
Insurance Benefits
$1,000
Mobile device insurance amount
$5,000,000
Emergency medical insurance amount
$2,500
Hotel burglary insurance
$65,000
Rental car insurance amount
Join and get up to $1,100 in value in your first year!†
Get a total of up to 40,000 Aeroplan points (up to $800 in travel value†):
10,000 Aeroplan points when you make your first purchase†.
10,000 Aeroplan points when you spend $5,000 or more during the first 4 monthly statements periods†.
20,000 Aeroplan points as an additional anniversary bonus when you have at least $10,000 in net purchases posted on your account during the first 12 monthly statement periods†.
Enjoy a free first checked bag: a $140 value for 2 travellers for each round-trip flight, assuming you take one round-trip Air Canada flight in the first year†.
Plus, get a one-time annual fee rebate ($139) for you (the primary cardholder) and up to three authorized users ($50 each): up to $189 value†.
CIBC Aeroplan® Visa Infinite* Card - 🏆 Winner, Best travel credit card in the Money.ca Credit Card Awards
- The CIBC Aeroplan® Visa Infinite Card* is our top pick for travel credit cards, offering exceptional value for Canadian travelers with a balanced mix of rewards and practical benefits.
- We recommend this card for its impressive first-year value, delivering substantial returns that easily offset the modest annual fee. This creates one of the best value propositions in the Canadian travel card market.
- While the annual fee is already competitive compared to premium travel cards, CIBC enhances the offer by waiving the fee for CIBC Smart Plus account holders. This effectively transforms the card into a no-fee premium travel card, increasing its value for many Canadians.
- The card stands out for its enhanced earning potential on everyday categories like gas, groceries, and Air Canada travel. This accelerated earn rate allows cardholders to accumulate rewards quickly through routine spending, not just travel bookings.
- A notable perk is the included checked baggage benefit for up to eight travelers on the same reservation. This can save hundreds of dollars on a single family trip, offering practical value that alone can justify the annual fee.
Disclosures:
- †Terms and Conditions Apply. This offer is not available for residents of Quebec.
- The information for the CIBC Aeroplan® Visa Infinite* Card has been collected independently by Money.ca. The card details on this page have not been reviewed or provided by the card issuer.
🥈 Silver: Scotiabank Platinum American Express® Card
up to 80,000 points
Welcome Bonus
$2,581
First Year Value
$81
Annual Value
Get this card if you...
- travel often and want premium travel perks like lounge access
- want to avoid paying foreign exchange fees
- value a great welcome offer
Annual Fee & Annual Interest Rates
$399
Annual Fee
9.99%
Purchase
9.99%
Cash Advance
9.99%
Balance Transfer
Our Take
The Scotiabank Platinum American Express® Card is a premium travel rewards credit card offering elevated earn rates on all eligible purchases, with additional benefits such as complimentary airport lounge access and comprehensive travel insurance. It charges no foreign transaction fees and provides access to exclusive events.
Eligibility
Good (620 - 670)
Recommended Credit Score
$12,000
Required Annual Personal Income
Pros
- The card offers a competitive low interest rate on purchases, cash advances, and balance transfers
- Comprehensive insurance coverage
- Complimentary Airport lounge access
- No foreign transaction fees
- Ideal for travelers as it has no foreign transaction fees
- Offers a substantial welcome bonus that includes up to 80,000 Scene+ points
- Enjoy premium perks like Hertz #1 Club Gold membership and concierge services.
Cons
- High annual fee: At $399, the annual fee is steep, which could offset the rewards and benefits for some cardholders
- Below average rewards rate: Lower compared to other cards with similar or lower annual fees
- Limited American Express acceptance: Especially outside major cities
- Rewards potential: The net rewards potential is relatively low when considering the high annual fee
- Non-transferable points: Scene+ points cannot be transferred to other rewards programs
Annual Interest Rates
9.99%
Purchase
9.99%
Cash Advance
9.99%
Balance Transfer
Fees
$399
Annual Fee
0.00%
Foreign Transaction
5.00%
Balance Transfer
$5
Cash Advance
$29
Over The Limit Penalty
Rewards Scene+
2x
Scene+ points for every $1 spent on all other eligible purchases
4x
Scene+ points for every dollar you spend on hotel bookings, car rentals, and things to do with Scene+ Travel, Powered by Expedia
0%
No foreign transaction fees
10
Complimentary airport lounge passes per year
Insurance Benefits
$1,000
Mobile device insurance amount
$2,000,000
Emergency medical insurance amount
10
Emergency medical insurance over 65 days
$500,000
Travel accident insurance amount
$1,000
Hotel burglary insurance
$65,000
Rental car insurance amount
Earn up to $2,500* in value in the first 14 months, including up to 80,000 bonus Scene+ points.
To qualify for this Offer make sure to apply for and open a new Scotiabank Platinum American Express credit card account (“Account”) between January 3, 2025 and October 31, 2025.
To qualify for the 80,000 bonus Scene+ points:
Earn 60,000 bonus Scene+ points by making at least $3,000 in everyday eligible purchases in your first 3 months.
Plus, for a limited time, you are eligible to earn a 20,000 Scene+ point bonus when you spend at least $10,000 in everyday eligible purchases in your first 14 months.
Once you qualify, your account will be credited in 2 instalments:
60,000 bonus Scene+ points will be credited to the applicable Scene+ membership account approximately 8 weeks after the qualifying $3,000 in eligible purchases being posted to your Account within the first 3 months of Account opening.
An additional 20,000 bonus Scene+ points will be credited to the applicable Scene+ membership account approximately 8 weeks after you have met the $10,000 spend threshold in your Account within the first 14 months of Account opening.
Note: For joint Accounts, the applicable bonus will be credited to the Scene+ account linked to the Account of the borrower that completed the last transaction to meet the qualifying amount of eligible purchases in the case of the 60,000 Point Bonus and the Additional 20,000 Point Bonus.
Individuals who are currently or were previously primary or secondary cardholders of a Scotiabank personal credit card in the past 2 years, including those that switch from an existing Scotiabank personal credit card, as well as employees of Scotiabank, are not eligible for this offer.
*See terms and conditions for full details.
Rates, fees and other information are effective as of July 2, 2025. Subject to change.
Our Take
The Scotiabank Platinum American Express® Card is a premium travel rewards credit card offering elevated earn rates on all eligible purchases, with additional benefits such as complimentary airport lounge access and comprehensive travel insurance. It charges no foreign transaction fees and provides access to exclusive events.
Eligibility
Good (620 - 670)
Recommended Credit Score
$12,000
Required Annual Personal Income
Pros
- The card offers a competitive low interest rate on purchases, cash advances, and balance transfers
- Comprehensive insurance coverage
- Complimentary Airport lounge access
- No foreign transaction fees
- Ideal for travelers as it has no foreign transaction fees
- Offers a substantial welcome bonus that includes up to 80,000 Scene+ points
- Enjoy premium perks like Hertz #1 Club Gold membership and concierge services.
Cons
- High annual fee: At $399, the annual fee is steep, which could offset the rewards and benefits for some cardholders
- Below average rewards rate: Lower compared to other cards with similar or lower annual fees
- Limited American Express acceptance: Especially outside major cities
- Rewards potential: The net rewards potential is relatively low when considering the high annual fee
- Non-transferable points: Scene+ points cannot be transferred to other rewards programs
Annual Interest Rates
9.99%
Purchase
9.99%
Cash Advance
9.99%
Balance Transfer
Fees
$399
Annual Fee
0.00%
Foreign Transaction
5.00%
Balance Transfer
$5
Cash Advance
$29
Over The Limit Penalty
Rewards Scene+
2x
Scene+ points for every $1 spent on all other eligible purchases
4x
Scene+ points for every dollar you spend on hotel bookings, car rentals, and things to do with Scene+ Travel, Powered by Expedia
0%
No foreign transaction fees
10
Complimentary airport lounge passes per year
Insurance Benefits
$1,000
Mobile device insurance amount
$2,000,000
Emergency medical insurance amount
10
Emergency medical insurance over 65 days
$500,000
Travel accident insurance amount
$1,000
Hotel burglary insurance
$65,000
Rental car insurance amount
Earn up to $2,500* in value in the first 14 months, including up to 80,000 bonus Scene+ points.
To qualify for this Offer make sure to apply for and open a new Scotiabank Platinum American Express credit card account (“Account”) between January 3, 2025 and October 31, 2025.
To qualify for the 80,000 bonus Scene+ points:
Earn 60,000 bonus Scene+ points by making at least $3,000 in everyday eligible purchases in your first 3 months.
Plus, for a limited time, you are eligible to earn a 20,000 Scene+ point bonus when you spend at least $10,000 in everyday eligible purchases in your first 14 months.
Once you qualify, your account will be credited in 2 instalments:
60,000 bonus Scene+ points will be credited to the applicable Scene+ membership account approximately 8 weeks after the qualifying $3,000 in eligible purchases being posted to your Account within the first 3 months of Account opening.
An additional 20,000 bonus Scene+ points will be credited to the applicable Scene+ membership account approximately 8 weeks after you have met the $10,000 spend threshold in your Account within the first 14 months of Account opening.
Note: For joint Accounts, the applicable bonus will be credited to the Scene+ account linked to the Account of the borrower that completed the last transaction to meet the qualifying amount of eligible purchases in the case of the 60,000 Point Bonus and the Additional 20,000 Point Bonus.
Individuals who are currently or were previously primary or secondary cardholders of a Scotiabank personal credit card in the past 2 years, including those that switch from an existing Scotiabank personal credit card, as well as employees of Scotiabank, are not eligible for this offer.
*See terms and conditions for full details.
Rates, fees and other information are effective as of July 2, 2025. Subject to change.
- The Scotiabank Platinum American Express® Card ranks second due to its generous rewards and impressive first-year value.
- Ideal for those who want to maximize points on every purchase, the card offers: Points earning on all purchases with no category restrictions or spending caps. A straightforward, high-value earning structure, making every dollar spent rewarding—an appealing alternative to complex bonus categories.
- One of the standout features is the elimination of foreign transaction fees, avoiding the usual 2.5% surcharge on non-Canadian currency purchases. This can save frequent travelers hundreds of dollars annually.
- The card provides an exceptional first-year value, with some of the highest returns available from any Canadian travel credit card—potentially funding multiple trips within your first year.
- While justified by the benefits, it may not suit all budgets. However, for those comfortable with the premium cost, the generous rewards and travel perks offer outstanding value.
Disclosures:
-
Conditions Apply. Visit here for the Scotiabank Platinum American Express® Card to learn more.*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.
🥉 Bronze: The Platinum Card®
up to 100,000 points
Welcome Bonus
$471
First Year Value
$0
Annual Value
Welcome Bonus: Earn up to 100,000 Membership Rewards® points* - that’s up to $1,000 towards a weekend away.
Get this card if you...
- are a frequent traveler who wants luxury perks like lounge access
- want to rack up rewards quickly
- want great travel insurance, perks and concierge services
Annual Fee & Annual Interest Rates
$799
Annual Fee
21.99% - 29.99%
Purchase
Our Take
The American Express Platinum Card® is a premium travel rewards credit card offering elevated Membership Rewards® points on eligible purchases, with a substantial welcome bonus for new cardholders. Cardholders enjoy exclusive benefits such as access to over 1,400 airport lounges worldwide† through the American Express Global Lounge Collection™, comprehensive travel insurance, and personalized concierge services.
Eligibility
Excellent (740+)
Recommended Credit Score
Pros
- Access to a wide range of luxury perks, including premium concierge service
- Complimentary lounge membership providing access to over 1,400+ airport lounges worldwide†
- Annual statement credits: $200 annual travel credit, $200 annual dining credit
- Special insurance coverages like trip cancellation/interruption, flight delay, lost or stolen baggage and rental car theft & damage.
- Provides extended warranty (2 years) and purchase protection (120 days).
Cons
- High annual fee of $799, one of the heftiest among Canadian cards
- The rewards system can be complicated, especially for users not familiar with maximizing credit card points
- Requires good to excellent credit for eligibility
Annual Interest Rates
21.99% - 29.99%
Purchase
30%
Penalty
Fees
$799
Annual Fee
2.50%
Foreign Transaction
$45
Return Penalty
Rewards Membership Rewards
2x
points for every $1 in Card purchases on eligible dining and food delivery in Canada
2x
points for every $1 in Card purchases on eligible travel
1x
point for every $1 in all other Card purchases
1
additional point on Amex Travel Online for eligible hotel or car rental bookings
Insurance Benefits
$5,000,000
Emergency medical insurance amount
$500,000
Travel accident insurance amount
$1,000
Hotel burglary insurance
$85,000
Rental car insurance amount
Earn up to 100,000 Membership Rewards® points - that’s up to $1,000 towards a weekend away! Here's how:
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 15 and 17 months of Cardmembership
Terms and Conditions Apply.
Our Take
The American Express Platinum Card® is a premium travel rewards credit card offering elevated Membership Rewards® points on eligible purchases, with a substantial welcome bonus for new cardholders. Cardholders enjoy exclusive benefits such as access to over 1,400 airport lounges worldwide† through the American Express Global Lounge Collection™, comprehensive travel insurance, and personalized concierge services.
Eligibility
Excellent (740+)
Recommended Credit Score
Pros
- Access to a wide range of luxury perks, including premium concierge service
- Complimentary lounge membership providing access to over 1,400+ airport lounges worldwide†
- Annual statement credits: $200 annual travel credit, $200 annual dining credit
- Special insurance coverages like trip cancellation/interruption, flight delay, lost or stolen baggage and rental car theft & damage.
- Provides extended warranty (2 years) and purchase protection (120 days).
Cons
- High annual fee of $799, one of the heftiest among Canadian cards
- The rewards system can be complicated, especially for users not familiar with maximizing credit card points
- Requires good to excellent credit for eligibility
Annual Interest Rates
21.99% - 29.99%
Purchase
30%
Penalty
Fees
$799
Annual Fee
2.50%
Foreign Transaction
$45
Return Penalty
Rewards Membership Rewards
2x
points for every $1 in Card purchases on eligible dining and food delivery in Canada
2x
points for every $1 in Card purchases on eligible travel
1x
point for every $1 in all other Card purchases
1
additional point on Amex Travel Online for eligible hotel or car rental bookings
Insurance Benefits
$5,000,000
Emergency medical insurance amount
$500,000
Travel accident insurance amount
$1,000
Hotel burglary insurance
$85,000
Rental car insurance amount
Earn up to 100,000 Membership Rewards® points - that’s up to $1,000 towards a weekend away! Here's how:
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 15 and 17 months of Cardmembership
Terms and Conditions Apply.
- The Platinum Card® from American Express rounds out our top three travel cards, offering an unmatched collection of premium travel perks for luxury-minded travelers.
- The card’s comprehensive lounge access benefit stands out as a key feature, though recent limitations on Centurion Lounges and Delta SkyClub access have slightly diminished its value.
- Despite these restrictions, the card still provides entry to more airport lounges than virtually any competitor, delivering significant value for frequent travelers.
- We recommend this card for travelers who value its practical benefits, including the annual travel credit that effectively reduces the card’s net cost.
- The included NEXUS credit further enhances the travel experience by providing expedited border crossing between Canada and the United States.
- Hotel status benefits deliver tangible luxury upgrades, with complimentary Hilton Honors Gold Status and Marriott Bonvoy™ Gold Elite status opening doors to room upgrades, late checkout, and enhanced amenities at thousands of properties worldwide.
- The exclusive Fine Hotels Collection access provides additional luxury perks including room upgrades, daily breakfast, and unique property amenities.
- The card’s limited points earning on everyday purchases holds it back from ranking higher on our list, as its base earn rate doesn’t compete with other top travel cards.
- Nevertheless, for travelers focused on premium benefits rather than points maximization, The Platinum Card® delivers an exceptional suite of travel enhancements.
Disclosures:
Contact American Express for the most up-to-date referral bonus figures.
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.
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.
Best Canadian Aeroplan points card
up to 40,000 pts†
Welcome Bonus
$486
First Year Value
$0
Annual Value
Welcome Bonus: Up to $1,350 in value† including up to 40,000 Aeroplan points† could be yours. Plus, receive an annual fee rebate for the first year† and additional travel benefits. Conditions Apply.
Get this card if you...
- want to quickly rack up Aeroplan points
- need comprehensive travel insurance benefits
- value a great welcome offer
Annual Fee & Annual Interest Rates
$139
Annual Fee
21.99%
Purchase
22.99%
Cash Advance
22.99%
Balance Transfer
Our Take
The TD® Aeroplan® Visa Infinite* Card is a travel rewards credit card designed for frequent Air Canada travelers, offering elevated Aeroplan points on eligible gas, grocery, travel, and dining purchases. Cardholders benefit from perks such as a NEXUS application fee rebate†, a complimentary first checked bag for the primary cardholder and up to eight companions on Air Canada flights†, and access to select airport lounges†; however, the card carries an annual fee and requires a minimum personal or household income for eligibility.
Eligibility
Excellent (740+)
Recommended Credit Score
$60,000
Required Annual Personal Income
$100,000
Required Annual Household Income
Pros
- The card has a high earn rate for Aeroplan Points, generating 1.5 points† per $1 spent on eligible purchases.
- Insurance offered includes coverage in the categories that travellers need, and is generally better than its Aeroplan peers at a similar annual fee level.
Cons
- No airport lounge membership or free lounge access.
- Aeroplan points can’t be redeemed for flights outside the Star Alliance network, nor can they be redeemed for cash credit. This makes them less flexible than some competing travel rewards programs.
Annual Interest Rates
21.99%
Purchase
22.99%
Cash Advance
22.99%
Balance Transfer
Fees
$139
Annual Fee
2.50%
Foreign Transaction
Rewards Aeroplan
1.5 points†
for every $1 spent on eligible gas, electric vehicle charging, grocery and direct through Air Canada® purchases (including Air Canada Vacations®)
1 point†
Earn 1 point for every $1 you spend on all other purchases
2x
Earn points twice with Aeroplan partner brands and on the Aeroplan eStore.
50%
Earn 50% more Aeroplan points at Starbucks when you link your card to your account†. Conditions apply.
1
Apply for the NEXUS program and once every 48 months get an application fee rebate (up to $100 CAD)†. Additional Cardholders can also take advantage of this NEXUS program application fee rebate.
1st
checked bag free for you and up to 8 travel companions†
Insurance Benefits
$1,000
Mobile device insurance amount
$500,000
Travel accident insurance amount
$2,500
Hotel burglary insurance
$65,000
Rental car insurance amount
Up to $1,350 in value† including up to 40,000 Aeroplan points† could be yours. Plus, receive an annual fee rebate for the first year† and additional travel benefits. Conditions Apply.
Earn a welcome bonus of 10,000 Aeroplan points when you make your first Purchase with your new Card†
Earn 15,000 Aeroplan points when you spend $7,500 within 180 days of Account opening†
Plus, earn a one-time anniversary bonus of 15,000 Aeroplan points when you spend $12,000 within 12 months of Account opening†
Apply for the NEXUS program and once every 48 months get an application fee rebate (up to $100 CAD)†.
Plus, share free first checked bags with up to 8 travel companions†
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 and you must add your Additional Cardholders while this offer is in effect.
Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer unless otherwise indicated.
†Terms and conditions apply.
This offer is not available for residents of Quebec.
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. Sponsored Content.
Our Take
The TD® Aeroplan® Visa Infinite* Card is a travel rewards credit card designed for frequent Air Canada travelers, offering elevated Aeroplan points on eligible gas, grocery, travel, and dining purchases. Cardholders benefit from perks such as a NEXUS application fee rebate†, a complimentary first checked bag for the primary cardholder and up to eight companions on Air Canada flights†, and access to select airport lounges†; however, the card carries an annual fee and requires a minimum personal or household income for eligibility.
Eligibility
Excellent (740+)
Recommended Credit Score
$60,000
Required Annual Personal Income
$100,000
Required Annual Household Income
Pros
- The card has a high earn rate for Aeroplan Points, generating 1.5 points† per $1 spent on eligible purchases.
- Insurance offered includes coverage in the categories that travellers need, and is generally better than its Aeroplan peers at a similar annual fee level.
Cons
- No airport lounge membership or free lounge access.
- Aeroplan points can’t be redeemed for flights outside the Star Alliance network, nor can they be redeemed for cash credit. This makes them less flexible than some competing travel rewards programs.
Annual Interest Rates
21.99%
Purchase
22.99%
Cash Advance
22.99%
Balance Transfer
Fees
$139
Annual Fee
2.50%
Foreign Transaction
Rewards Aeroplan
1.5 points†
for every $1 spent on eligible gas, electric vehicle charging, grocery and direct through Air Canada® purchases (including Air Canada Vacations®)
1 point†
Earn 1 point for every $1 you spend on all other purchases
2x
Earn points twice with Aeroplan partner brands and on the Aeroplan eStore.
50%
Earn 50% more Aeroplan points at Starbucks when you link your card to your account†. Conditions apply.
1
Apply for the NEXUS program and once every 48 months get an application fee rebate (up to $100 CAD)†. Additional Cardholders can also take advantage of this NEXUS program application fee rebate.
1st
checked bag free for you and up to 8 travel companions†
Insurance Benefits
$1,000
Mobile device insurance amount
$500,000
Travel accident insurance amount
$2,500
Hotel burglary insurance
$65,000
Rental car insurance amount
Up to $1,350 in value† including up to 40,000 Aeroplan points† could be yours. Plus, receive an annual fee rebate for the first year† and additional travel benefits. Conditions Apply.
Earn a welcome bonus of 10,000 Aeroplan points when you make your first Purchase with your new Card†
Earn 15,000 Aeroplan points when you spend $7,500 within 180 days of Account opening†
Plus, earn a one-time anniversary bonus of 15,000 Aeroplan points when you spend $12,000 within 12 months of Account opening†
Apply for the NEXUS program and once every 48 months get an application fee rebate (up to $100 CAD)†.
Plus, share free first checked bags with up to 8 travel companions†
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 and you must add your Additional Cardholders while this offer is in effect.
Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer unless otherwise indicated.
†Terms and conditions apply.
This offer is not available for residents of Quebec.
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. Sponsored Content.
Aeroplan is the most popular travel reward program among our readers, and the Aeroplan card that currently brings the most value for its annual fee is the TD® Aeroplan® Visa Infinite* Card.
- Aeroplan remains the most popular travel rewards program among our readers—and for good reason.
- It offers exceptional value, flexibility, and access to a vast network of airline partners, including Air Canada and dozens of Star Alliance carriers, making it easy to fly to destinations around the globe using points.
- Among all Aeroplan-affiliated credit cards, the TD® Aeroplan® Visa Infinite* Card currently delivers the best value relative to its annual fee, especially for travelers who want a strong mix of earning power and travel perks without committing to a premium card tier.
Disclosures:
-
†Terms and conditions apply.
This offer is not available to residents of Quebec.
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. Sponsored Content.
Best credit card for overseas travel with a modest annual fee
up to 60,000 pts†
Welcome Bonus
$2,320
First Year Value
$570
Annual Value
Welcome Bonus: Get up to $1,750 in value, including up to 60,000 Aventura Points.†
Get this card if you...
- want to earn Aventura points on everyday purchases
- value travel perks, including comprehensive travel insurance
- want flexible redemption, including loyalty points conversion
Annual Fee & Annual Interest Rates
$139
Annual Fee
20.99%†
Purchase
22.99%†
Cash Advance
22.99%†
Balance Transfer
Our Take
The CIBC Aventura® Gold Visa* Card is a travel rewards credit card that allows cardholders to earn Aventura Points on everyday purchases, with accelerated rates for eligible travel booked through the CIBC Rewards Centre, as well as at gas stations, EV charging stations, grocery stores, and drug stores. It also offers benefits such as a NEXUS™ application fee rebate, access to airport lounges, and comprehensive travel insurance.
Eligibility
Good (620 - 670)
Recommended Credit Score
$15,000
Required Annual Household Income
Pros
- High value welcome offer
- Minimal household annual income required
- Exceptional points-redeemable travel opportunities and other perks
Cons
- High annual fee (rebated for your first year)†
Annual Interest Rates
20.99%†
Purchase
22.99%†
Cash Advance
22.99%†
Balance Transfer
25.99%†
Penalty
Fees
$139
Annual Fee
2.50%†
Foreign Transaction
$5
Cash Advance
$29
Over The Limit Penalty
$42.5
Return Penalty
Rewards Aventura
2
points for every $1 spent on eligible 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†
Insurance Benefits
$1,000
Mobile device insurance amount
$5,000,000
Emergency medical insurance amount
$500,000
Travel accident insurance amount
$2,500
Hotel burglary insurance
$65,000
Rental car insurance amount
Get up to $1,750 in value, including up to 60,000 Aventura Points†:
15,000 Aventura Points when you make your first purchase†
30,000 Aventura Points when you spend $3,000 or more in net purchases in the first 4 monthly statement periods†
15,000 Aventura Points if you have at least $5,000 in net purchases posted to your account 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): up to $189 value.†
Elevate your airport experience with 4 complimentary visits at 1,200+ lounges globally through Visa Airport Companion Program: up to $277 value.
Plus, get a NEXUS™ Application Fee rebate: a $100 value.†
Our Take
The CIBC Aventura® Gold Visa* Card is a travel rewards credit card that allows cardholders to earn Aventura Points on everyday purchases, with accelerated rates for eligible travel booked through the CIBC Rewards Centre, as well as at gas stations, EV charging stations, grocery stores, and drug stores. It also offers benefits such as a NEXUS™ application fee rebate, access to airport lounges, and comprehensive travel insurance.
Eligibility
Good (620 - 670)
Recommended Credit Score
$15,000
Required Annual Household Income
Pros
- High value welcome offer
- Minimal household annual income required
- Exceptional points-redeemable travel opportunities and other perks
Cons
- High annual fee (rebated for your first year)†
Annual Interest Rates
20.99%†
Purchase
22.99%†
Cash Advance
22.99%†
Balance Transfer
25.99%†
Penalty
Fees
$139
Annual Fee
2.50%†
Foreign Transaction
$5
Cash Advance
$29
Over The Limit Penalty
$42.5
Return Penalty
Rewards Aventura
2
points for every $1 spent on eligible 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†
Insurance Benefits
$1,000
Mobile device insurance amount
$5,000,000
Emergency medical insurance amount
$500,000
Travel accident insurance amount
$2,500
Hotel burglary insurance
$65,000
Rental car insurance amount
Get up to $1,750 in value, including up to 60,000 Aventura Points†:
15,000 Aventura Points when you make your first purchase†
30,000 Aventura Points when you spend $3,000 or more in net purchases in the first 4 monthly statement periods†
15,000 Aventura Points if you have at least $5,000 in net purchases posted to your account 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): up to $189 value.†
Elevate your airport experience with 4 complimentary visits at 1,200+ lounges globally through Visa Airport Companion Program: up to $277 value.
Plus, get a NEXUS™ Application Fee rebate: a $100 value.†
- The CIBC Aventura® Gold Visa* Card stands out as a strong all-around travel rewards card, offering great value for Canadians who travel often or spend heavily in key categories.
- New cardholders can take advantage of an impressive welcome bonus of Aventura Points—perfect for jump-starting your travel plans with flights, hotels, car rentals, or vacation packages through the Aventura Travel Centre.
- Enjoy complimentary lounge visits through Visa Airport Companion, powered by DragonPass. This perk adds a layer of comfort and luxury to your travel experience, helping you unwind before your flight.
- With modest annual income requirements, the card is accessible to a wider range of travelers compared to many premium-tier cards, making it a practical choice for young professionals, families, and mid-tier earners.
- New accounts benefit from a first-year annual fee waiver, making it easier to try out the card’s features with no upfront cost. After the first year, the annual fee is $139.
- Aventura Points are redeemable for a wide variety of travel options, not limited to a single airline. This flexibility is ideal for travelers who want to avoid blackout dates or prefer non-traditional routes.
- The card also includes built-in travel insurance, such as out-of-province emergency medical, trip cancellation, trip interruption, and delayed/lost baggage coverage—adding peace of mind to every trip.
Disclosures:
- †Terms and Conditions Apply. This offer is not available for residents of Quebec.
- The information for the CIBC Aventura® Gold Visa* Card has been collected independently by Money.ca. The card details on this page have not been reviewed or provided by the card issuer.
Best Canadian travel card for lounge access
up to $1,600*
Welcome Bonus
$1,922
First Year Value
$322
Annual Value
Welcome Bonus: Get up to $1,600 in value including up to 100,000 points, Mastercard Travel Pass & 4 Complimentary Lounge Passes, NEXUS Statement Credit and the annual fee waived in the first year for both the primary cardholder and authorized users.*
Get this card if you...
- are a high-earning globetrotter, looking for travel perks
- value travel insurance, lounge access, and concierge services
- appreciate a great welcome offer
Annual Fee & Annual Interest Rates
$150
Annual Fee
21.99%
Purchase
23.99%
Cash Advance
23.99%
Balance Transfer
Our Take
The BMO Ascend™ World Elite®* Mastercard®* is a premium travel rewards credit card with elevated earn rates on eligible travel, dining, entertainment, and recurring bill payments. Cardholders benefit from complimentary lounge membership, which includes complimentary passes, as well as comprehensive travel insurance coverage, making it a suitable option for frequent travelers seeking both rewards and travel-related perks.
Eligibility
Excellent (740+)
Recommended Credit Score
$80,000
Required Annual Personal Income
$150,000
Required Annual Household Income
Pros
- High-value welcome offer
- Flexible airport lounge access
- BMO Rewards points can be used to cover flight taxes and fees
- Great for those who frequently rent cars
- Good for Costco and No Frills shoppers
Cons
- So-so earn rates relative to its annual fee
- Points have low redemption value compared to other travel rewards programs
- Charges foreign transaction fees
- Relatively high minimum income requirements
Annual Interest Rates
21.99%
Purchase
23.99%
Cash Advance
23.99%
Balance Transfer
Fees
$150
Annual Fee
2.50%
Foreign Transaction
$29
Over The Limit Penalty
Rewards BMO Rewards
5x
Earn 5x the points for every $1 spent on eligible travel purchases*
3x
Earn 3x the points for every $1 spent on eligible dining and entertainment purchases and recurring bill payments*
1x
Earn 1 point for every $1 spent everywhere else*
4
Complimentary membership in Mastercard Travel Pass provided by DragonPass, with 4 annual complimentary passes
Insurance Benefits
$5,000,000
Emergency medical insurance amount
$500,000
Travel accident insurance amount
$1,000
Hotel burglary insurance
$65,000
Rental car insurance amount
Get up to $1,600 in value including up to 100,000 points, Mastercard Travel Pass & 4 Complimentary Lounge Passes, NEXUS Statement Credit and the annual fee waived in the first year for both the primary cardholder and authorized users.*
Plus, get a 0% introductory interest rate on Balance transfers for 12 months with a 2% transfer fee.*
Also, enjoy six months of Instacart+ and a $10 monthly Instacart credit when you enroll your eligible BMO Credit Card.*
*Terms and conditions apply.
Our Take
The BMO Ascend™ World Elite®* Mastercard®* is a premium travel rewards credit card with elevated earn rates on eligible travel, dining, entertainment, and recurring bill payments. Cardholders benefit from complimentary lounge membership, which includes complimentary passes, as well as comprehensive travel insurance coverage, making it a suitable option for frequent travelers seeking both rewards and travel-related perks.
Eligibility
Excellent (740+)
Recommended Credit Score
$80,000
Required Annual Personal Income
$150,000
Required Annual Household Income
Pros
- High-value welcome offer
- Flexible airport lounge access
- BMO Rewards points can be used to cover flight taxes and fees
- Great for those who frequently rent cars
- Good for Costco and No Frills shoppers
Cons
- So-so earn rates relative to its annual fee
- Points have low redemption value compared to other travel rewards programs
- Charges foreign transaction fees
- Relatively high minimum income requirements
Annual Interest Rates
21.99%
Purchase
23.99%
Cash Advance
23.99%
Balance Transfer
Fees
$150
Annual Fee
2.50%
Foreign Transaction
$29
Over The Limit Penalty
Rewards BMO Rewards
5x
Earn 5x the points for every $1 spent on eligible travel purchases*
3x
Earn 3x the points for every $1 spent on eligible dining and entertainment purchases and recurring bill payments*
1x
Earn 1 point for every $1 spent everywhere else*
4
Complimentary membership in Mastercard Travel Pass provided by DragonPass, with 4 annual complimentary passes
Insurance Benefits
$5,000,000
Emergency medical insurance amount
$500,000
Travel accident insurance amount
$1,000
Hotel burglary insurance
$65,000
Rental car insurance amount
Get up to $1,600 in value including up to 100,000 points, Mastercard Travel Pass & 4 Complimentary Lounge Passes, NEXUS Statement Credit and the annual fee waived in the first year for both the primary cardholder and authorized users.*
Plus, get a 0% introductory interest rate on Balance transfers for 12 months with a 2% transfer fee.*
Also, enjoy six months of Instacart+ and a $10 monthly Instacart credit when you enroll your eligible BMO Credit Card.*
*Terms and conditions apply.
Airport lounges offer a welcome retreat with comfy furnishings, quality food, and drinks—perfect during long layovers—but they often come with steep access fees. That’s where the BMO Ascend World Elite®* Mastercard®* stands out.
- This premium travel card includes complimentary membership in Mastercard Travel Pass, powered by Dragon Pass.
- Cardholders receive 4 annual complimentary lounge passes, which can be used for themselves or a guest.
- Considering that DragonPass lounge access typically costs $32 USD per person, these passes offer significant real-world savings—often covering the value of the card’s annual fee.
- The Dragon Pass network is one of the largest in the world, with access to approximately 1,300 lounges globally—not just obscure or hard-to-reach locations.
- With the BMO Ascend World Elite®* Mastercard®*, travelers enjoy premium perks and save big on comfort and convenience.
Disclosures:
-
*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.
Best credit card for international travel with accelerated points earning
up to 15,000 points
Welcome Bonus
$630
First Year Value
$480
Annual Value
Welcome Bonus: Earn up to 15,000 Welcome Bonus Membership Rewards® points* – that’s up to $150 in value.
Get this card if you...
- quickly rack up rewards on dining and grocery purchases
- want a flexible rewards program with travel rewards
- want access to exclusive events and robust travel insurance
Annual Fee & Annual Interest Rates
$191.88
Annual Fee
21.99%
Purchase
21.99%
Cash Advance
Our Take
The American Express Cobalt® Card is a versatile rewards credit card designed for individuals who frequently spend on dining, groceries and travel-related expenses. It offers flexible redemption options and includes various travel and purchase protections, making it a comprehensive choice for those seeking to maximize rewards on everyday spending.
Eligibility
Fair (300 - 619)
Recommended Credit Score
$0
Required Annual Personal Income
$0
Required Annual Household Income
Pros
- High earn rates (up to 5% return on spending!)
- Flexible month-by-month fee structure
- Free supplementary cards
- 1:1 points transfer with selected hotels, airlines and frequent flyer programs
Cons
- Accelerated earn rates only apply to purchases in Canada (not to purchases made abroad)
- Amex has a more limited merchant acceptance rate than Visa and Mastercard
- Slightly higher than average annual fee
Annual Interest Rates
21.99%
Purchase
21.99%
Cash Advance
25.99% - 29.99%
Penalty
Fees
$191.88
Annual Fee
2.50%
Foreign Transaction
$2.75
Cash Advance
$29
Over The Limit Penalty
$45
Return Penalty
Rewards Membership Rewards
5x
the points on eligible eats & drinks purchases in Canada
3x
the points on eligible streaming subscriptions in Canada
2x
the points on eligible gas, transit & ride share in Canada
1x
the points on everything else
1
additional Membership Rewards point for every $1 you charge on eligible hotel or car rental bookings made with American Express Travel
$100 USD
Get up to $100 USD hotel credit to use on amenities like dining, spa or other leisure facilities when charged to the room
Insurance Benefits
$1,000
Mobile device insurance amount
$5,000,000
Emergency medical insurance amount
$250,000
Travel accident insurance amount
$500
Hotel burglary insurance
$85,000
Rental car insurance amount
Earn up to 15,000 Membership Rewards® points* by earning 1,250 Membership Rewards® points for each monthly billing period in which you spend $750 on your Card in your first year as a new Cardmember. This could add up to 15,000 points in a year.*
That’s up to $150 towards your next weekend getaway.
*Current or former Cardmembers with this Card are not eligible for this offer. Other terms apply.
Our Take
The American Express Cobalt® Card is a versatile rewards credit card designed for individuals who frequently spend on dining, groceries and travel-related expenses. It offers flexible redemption options and includes various travel and purchase protections, making it a comprehensive choice for those seeking to maximize rewards on everyday spending.
Eligibility
Fair (300 - 619)
Recommended Credit Score
$0
Required Annual Personal Income
$0
Required Annual Household Income
Pros
- High earn rates (up to 5% return on spending!)
- Flexible month-by-month fee structure
- Free supplementary cards
- 1:1 points transfer with selected hotels, airlines and frequent flyer programs
Cons
- Accelerated earn rates only apply to purchases in Canada (not to purchases made abroad)
- Amex has a more limited merchant acceptance rate than Visa and Mastercard
- Slightly higher than average annual fee
Annual Interest Rates
21.99%
Purchase
21.99%
Cash Advance
25.99% - 29.99%
Penalty
Fees
$191.88
Annual Fee
2.50%
Foreign Transaction
$2.75
Cash Advance
$29
Over The Limit Penalty
$45
Return Penalty
Rewards Membership Rewards
5x
the points on eligible eats & drinks purchases in Canada
3x
the points on eligible streaming subscriptions in Canada
2x
the points on eligible gas, transit & ride share in Canada
1x
the points on everything else
1
additional Membership Rewards point for every $1 you charge on eligible hotel or car rental bookings made with American Express Travel
$100 USD
Get up to $100 USD hotel credit to use on amenities like dining, spa or other leisure facilities when charged to the room
Insurance Benefits
$1,000
Mobile device insurance amount
$5,000,000
Emergency medical insurance amount
$250,000
Travel accident insurance amount
$500
Hotel burglary insurance
$85,000
Rental car insurance amount
Earn up to 15,000 Membership Rewards® points* by earning 1,250 Membership Rewards® points for each monthly billing period in which you spend $750 on your Card in your first year as a new Cardmember. This could add up to 15,000 points in a year.*
That’s up to $150 towards your next weekend getaway.
*Current or former Cardmembers with this Card are not eligible for this offer. Other terms apply.
Amex Cobalt Card - 🏆 Winner, Best overcall credit card in the Money.ca Credit Card Awards
The Amex Cobalt is Money.ca's pick for the best credit card in Canada as its one of the best credit cards for points on everyday purchases.
- Since many travel-related purchases—like dining, transit, and accommodations—fall into the card’s bonus categories, it’s easy to rack up points quickly while living your regular travel lifestyle.
- Points earned through the Cobalt card can be transferred to leading travel loyalty programs, such as Aeroplan and Marriott Bonvoy, unlocking even greater value for frequent flyers and luxury stay seekers.
- Unlike most travel cards, the Cobalt uses a monthly fee structure—making it easier to manage and justify for budget-conscious travelers who want premium rewards without a large annual commitment.
- The card includes travel insurance coverage, including emergency medical, flight delay, and hotel burglary protection, providing peace of mind on every trip.
Disclosures:
-
Contact American Express for the most up-to-date referral bonus figures.
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.
Best travel rewards card for no foreign transaction fees
up to 45,000 points†
Welcome Bonus
$1,582
First Year Value
$732
Annual Value
Welcome Bonus: Earn up to $850 in welcome offers, first year rewards and savings value, including up to 45,000 bonus Scene+ points.† Expires Jul 01, 2026
Get this card if you...
- want exclusive travel benefits like no foreign exchange fees
- need comprehensive travel insurance benefits
- want to access exclusive Amex offers
Annual Fee & Annual Interest Rates
$120
Annual Fee
20.99%
Purchase
22.99%
Cash Advance
22.99%
Balance Transfer
Our Take
The Scotiabank Gold American Express® Card is a rewards credit card that offers accelerated earn rates on categories such as groceries, dining, and entertainment. It also provides benefits like no foreign transaction fees and comprehensive travel insurance, making it suitable for both everyday spending and international use.
Eligibility
Very Good (671 - 739)
Recommended Credit Score
Pros
- Lots of daily spend options to earn multiplied point bonuses
- Swanky Amex perks like Front of the Line presale concert tickets
- Save on foreign transaction fees when abroad
- Fantastic insurance coverage, especially for travel
Cons
- Relatively low-value welcome bonus
- $120 annual fee that chews into your point value substantially
- Scene points redeem poorly for travel
Annual Interest Rates
20.99%
Purchase
22.99%
Cash Advance
22.99%
Balance Transfer
Fees
$120
Annual Fee
0.00%
Foreign Transaction
Rewards Scene+
6x
Scene+ points¹ on every $1 you spend at Sobeys, Safeway, Freshco, Foodland and more
5x
Scene+ points for every $1 you spend on dining, food delivery and other eligible grocery stores. Includes popular food delivery and food subscriptions.
5x
Scene+ points for every $1 you spend in Canada eligible entertainment purposes. Includes movies, theatre and ticket agencies stores.
3x
Scene+ points for every $1 CAD you spend in Canada on eligible gas and daily transit options. Includes rideshares, buses, subway, taxis and more
3x
Scene+ points for every $1 CAD you spend in Canada on eligible select streaming services
1x
Scene+ point for every $1 spent on all other eligible everyday purchases
4x
Scene+ points for every dollar you spend on hotel bookings, car rentals, and things to do with Scene+ Travel, Powered by Expedia
Insurance Benefits
$1,000
Mobile device insurance amount
$1,000,000
Emergency medical insurance amount
3
Emergency medical insurance over 65 days
$500,000
Travel accident insurance amount
$1,000
Hotel burglary insurance
$65,000
Rental car insurance amount
Earn up to $850* in value in the first 12 months, including up to 45,000 bonus Scene+ points. Here's how:
$450 in travel rewards (45,000 bonus Scene+ points) for new Scotiabank Gold American Express Card clients who spend $2,000 within the first 3 months (to earn 25,000 points) and who spend $7,500 within the first 12 months (to earn an additional 20,000 points);
$58 in foreign transaction fee savings based on average annual foreign spend per account over the last 24 months (save the 2.5% foreign transaction fee markup typically charged by other card issuers);
$386 in first year point earn potential (38,500 Scene+ points) on everyday purchases based on average annual spend per account over the last 24 months with an average spend of 30% in 6X, 5X and 3X accelerator categories.
Potential First Year Value = up to $894 (rounded down to $850)
To qualify for these offers make sure to apply for and open a new Scotiabank Gold American Express credit card account (“Account”) between January 2, 2026 and July 1, 2026.
*Savings and reward potential in first 12 months includes welcome offer value, first year point earn potential and foreign transaction fee savings as of November 4, 2025.
See terms and conditions for full details.
Rates, fees and other information are effective as of October 31, 2025. Subject to change.
Our Take
The Scotiabank Gold American Express® Card is a rewards credit card that offers accelerated earn rates on categories such as groceries, dining, and entertainment. It also provides benefits like no foreign transaction fees and comprehensive travel insurance, making it suitable for both everyday spending and international use.
Eligibility
Very Good (671 - 739)
Recommended Credit Score
Pros
- Lots of daily spend options to earn multiplied point bonuses
- Swanky Amex perks like Front of the Line presale concert tickets
- Save on foreign transaction fees when abroad
- Fantastic insurance coverage, especially for travel
Cons
- Relatively low-value welcome bonus
- $120 annual fee that chews into your point value substantially
- Scene points redeem poorly for travel
Annual Interest Rates
20.99%
Purchase
22.99%
Cash Advance
22.99%
Balance Transfer
Fees
$120
Annual Fee
0.00%
Foreign Transaction
Rewards Scene+
6x
Scene+ points¹ on every $1 you spend at Sobeys, Safeway, Freshco, Foodland and more
5x
Scene+ points for every $1 you spend on dining, food delivery and other eligible grocery stores. Includes popular food delivery and food subscriptions.
5x
Scene+ points for every $1 you spend in Canada eligible entertainment purposes. Includes movies, theatre and ticket agencies stores.
3x
Scene+ points for every $1 CAD you spend in Canada on eligible gas and daily transit options. Includes rideshares, buses, subway, taxis and more
3x
Scene+ points for every $1 CAD you spend in Canada on eligible select streaming services
1x
Scene+ point for every $1 spent on all other eligible everyday purchases
4x
Scene+ points for every dollar you spend on hotel bookings, car rentals, and things to do with Scene+ Travel, Powered by Expedia
Insurance Benefits
$1,000
Mobile device insurance amount
$1,000,000
Emergency medical insurance amount
3
Emergency medical insurance over 65 days
$500,000
Travel accident insurance amount
$1,000
Hotel burglary insurance
$65,000
Rental car insurance amount
Earn up to $850* in value in the first 12 months, including up to 45,000 bonus Scene+ points. Here's how:
$450 in travel rewards (45,000 bonus Scene+ points) for new Scotiabank Gold American Express Card clients who spend $2,000 within the first 3 months (to earn 25,000 points) and who spend $7,500 within the first 12 months (to earn an additional 20,000 points);
$58 in foreign transaction fee savings based on average annual foreign spend per account over the last 24 months (save the 2.5% foreign transaction fee markup typically charged by other card issuers);
$386 in first year point earn potential (38,500 Scene+ points) on everyday purchases based on average annual spend per account over the last 24 months with an average spend of 30% in 6X, 5X and 3X accelerator categories.
Potential First Year Value = up to $894 (rounded down to $850)
To qualify for these offers make sure to apply for and open a new Scotiabank Gold American Express credit card account (“Account”) between January 2, 2026 and July 1, 2026.
*Savings and reward potential in first 12 months includes welcome offer value, first year point earn potential and foreign transaction fee savings as of November 4, 2025.
See terms and conditions for full details.
Rates, fees and other information are effective as of October 31, 2025. Subject to change.
- The lustre of a huge sign-up bonus tends to dim down after the first year ends, and it’s not worth holding onto a card if it doesn’t have long-term value. That’s what makes the Scotiabank Gold American Express® card stand out: Its regular, daily earn rates are so high that it gives permanent value far and above its annual fee.
- Unlike many American Express cards, these high earn rates are valid for both stand-alone stores *and* chain stores
- Aside from earning huge rewards domestically, the Scotiabank Gold American Express® card is also a big asset for spending overseas, because it waives foreign transaction fees while still earning 1X Scene+ point for every $1 on purchases made in a foreign currency.
Disclosures:
-
Conditions Apply. Visit here for the Scotiabank Gold American Express® Card to learn more.
*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.
Best travel credit card in Canada for no-fee rewards
10,000 points*
Welcome Bonus
$340
First Year Value
$240
Annual Value
Welcome Bonus: Earn 10,000 Membership Rewards® points* when you spend $1,000 on your Card within the first 3 months as a new Cardmember.*
Get this card if you...
- want rewards without paying an annual fee
- want to earn points on everyday spending
- want a flexible rewards program with exclusive perks
Annual Fee & Annual Interest Rates
$0
Annual Fee
21.99%
Purchase
21.99%
Cash Advance
Our Take
The American Express® Green Card is a no-annual-fee credit card that allows cardholders to earn points on all purchases, with additional points for eligible hotel and car rental bookings made through American Express Travel. It also provides benefits such as purchase protection, extended warranty and access to exclusive events through American Express® Experiences.
Eligibility
Good (620 - 670)
Recommended Credit Score
$0
Required Annual Personal Income
$0
Required Annual Household Income
Pros
- No annual fee
- No income requirements (unlike many other no-fee cards)
- Welcome bonus up to 10,000 points (a $100 value)
- American Express® Experiences
Cons
- The card only offers basic extended warranty and purchase protection insurance. No travel insurance or rental car coverage
- Some places might not accept American Express®. However, most major retailers do (more small businesses are starting to as well)
- Fewer perks: No specific benefits for travel or dining and no accelerated earning rates on grocery
- Lower earn rates: The reward earn rates are lower than some other no-fee credit cards
Annual Interest Rates
21.99%
Purchase
21.99%
Cash Advance
25.99% - 29.99%
Penalty
Fees
$0
Annual Fee
2.50%
Foreign Transaction
$2.75
Cash Advance
$29
Over The Limit Penalty
$45
Return Penalty
Rewards Membership Rewards
1x
the points on Card purchases
1
additional Membership Rewards® point for every $1 you charge to your American Express® Green Card on eligible hotel or car rental bookings made with American Express Travel
Earn 10,000 Membership Rewards® points* when you spend $1,000 on your Card within the first 3 months as a new Cardmember.*
That’s $100 towards your next shopping spree or ordering dinner in.
*Current or former Cardmembers with this Card are not eligible for this offer. Other terms apply.
Our Take
The American Express® Green Card is a no-annual-fee credit card that allows cardholders to earn points on all purchases, with additional points for eligible hotel and car rental bookings made through American Express Travel. It also provides benefits such as purchase protection, extended warranty and access to exclusive events through American Express® Experiences.
Eligibility
Good (620 - 670)
Recommended Credit Score
$0
Required Annual Personal Income
$0
Required Annual Household Income
Pros
- No annual fee
- No income requirements (unlike many other no-fee cards)
- Welcome bonus up to 10,000 points (a $100 value)
- American Express® Experiences
Cons
- The card only offers basic extended warranty and purchase protection insurance. No travel insurance or rental car coverage
- Some places might not accept American Express®. However, most major retailers do (more small businesses are starting to as well)
- Fewer perks: No specific benefits for travel or dining and no accelerated earning rates on grocery
- Lower earn rates: The reward earn rates are lower than some other no-fee credit cards
Annual Interest Rates
21.99%
Purchase
21.99%
Cash Advance
25.99% - 29.99%
Penalty
Fees
$0
Annual Fee
2.50%
Foreign Transaction
$2.75
Cash Advance
$29
Over The Limit Penalty
$45
Return Penalty
Rewards Membership Rewards
1x
the points on Card purchases
1
additional Membership Rewards® point for every $1 you charge to your American Express® Green Card on eligible hotel or car rental bookings made with American Express Travel
Earn 10,000 Membership Rewards® points* when you spend $1,000 on your Card within the first 3 months as a new Cardmember.*
That’s $100 towards your next shopping spree or ordering dinner in.
*Current or former Cardmembers with this Card are not eligible for this offer. Other terms apply.
- If you’re looking to earn travel rewards but aren’t ready to commit to a credit card with an annual fee, the American Express® Green Card is an excellent place to start.
- When you use this credit card, you’ll earn points on everything. There are no complicated rewards schedules or earnings categories, making it easy to calculate your expected rewards within a year.
- You can redeem your membership points in a variety of ways, not just travel. You can use your membership points to pay for purchases on your credit card statement, book travel with American Express Travel Online through the Flexible Points Travel Program, buy merchandise, gift cards or make purchases directly through Amazon.ca.
Disclosures:
-
Contact American Express for the most up-to-date referral bonus figures.
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.
Best travel card for USD cash back
$324
First Year Value
$0
Annual Value
Get this card if you...
- want to earn cash back with no annual fee
- are an existing Rogers or Fido customer
- want complimentary lounge access
Annual Fee & Annual Interest Rates
$0
Annual Fee
20.99% - 25.99%
Purchase
22.99% - 27.99%
Cash Advance
22.99% - 27.99%
Balance Transfer
Our Take
The Rogers™ World Elite® Mastercard® is a no-annual-fee credit card offering elevated cash back rates on purchases made in U.S. dollars, with a standard rate on all other eligible purchases. Cardholders benefit from comprehensive insurance coverage, including emergency medical and rental car collision/damage protection, as well as access to over 1,300 airport lounges worldwide through Mastercard Travel Pass provided by DragonPass; however, the card has a high income requirement.
Eligibility
Excellent (740+)
Recommended Credit Score
$80,000
Required Annual Personal Income
$150,000
Required Annual Household Income
Pros
- Lucrative cash back rates on USD and CAD purchases, especially for Rogers, Fido or Shaw customers
- No annual fee with valuable insurance benefits
- Competitive against foreign transaction fee cards
- Convenient cash back redemption options
- Redemption bonus of 1.5x more cash back every time you redeem for Rogers, Fido or Shaw purchases
- Travel insurance perks and airport lounge access
Cons
- High income requirement: $80,000 personal or $150,000 household
- Foreign transaction fee applies
- Limited redemption options for statement credits
Annual Interest Rates
20.99% - 25.99%
Purchase
22.99% - 27.99%
Cash Advance
22.99% - 27.99%
Balance Transfer
Fees
$0
Annual Fee
2.50%
Foreign Transaction
3.00%
Balance Transfer
Rewards cash back
3%
Earn 3% unlimited cash back on all eligible purchases made in U.S. dollars.
2%
Earn 2% unlimited cash back on all eligible non-U.S. dollar purchases if you have 1 qualifying service with Rogers, Fido or Shaw
1.5%
Earn 1.5% unlimited cash back on eligible non-U.S. dollar purchases.
1.5x Cash Back
Get 1.5x more cash back every time you redeem for Rogers, Fido or Shaw purchases.
5
Get 5 Roam Like Home days at no cost every year for Rogers mobile plans (up to $80 value).
Insurance Benefits
$1,000,000
Emergency medical insurance amount
3
Emergency medical insurance over 65 days
$65,000
Rental car insurance amount
Our Take
The Rogers™ World Elite® Mastercard® is a no-annual-fee credit card offering elevated cash back rates on purchases made in U.S. dollars, with a standard rate on all other eligible purchases. Cardholders benefit from comprehensive insurance coverage, including emergency medical and rental car collision/damage protection, as well as access to over 1,300 airport lounges worldwide through Mastercard Travel Pass provided by DragonPass; however, the card has a high income requirement.
Eligibility
Excellent (740+)
Recommended Credit Score
$80,000
Required Annual Personal Income
$150,000
Required Annual Household Income
Pros
- Lucrative cash back rates on USD and CAD purchases, especially for Rogers, Fido or Shaw customers
- No annual fee with valuable insurance benefits
- Competitive against foreign transaction fee cards
- Convenient cash back redemption options
- Redemption bonus of 1.5x more cash back every time you redeem for Rogers, Fido or Shaw purchases
- Travel insurance perks and airport lounge access
Cons
- High income requirement: $80,000 personal or $150,000 household
- Foreign transaction fee applies
- Limited redemption options for statement credits
Annual Interest Rates
20.99% - 25.99%
Purchase
22.99% - 27.99%
Cash Advance
22.99% - 27.99%
Balance Transfer
Fees
$0
Annual Fee
2.50%
Foreign Transaction
3.00%
Balance Transfer
Rewards cash back
3%
Earn 3% unlimited cash back on all eligible purchases made in U.S. dollars.
2%
Earn 2% unlimited cash back on all eligible non-U.S. dollar purchases if you have 1 qualifying service with Rogers, Fido or Shaw
1.5%
Earn 1.5% unlimited cash back on eligible non-U.S. dollar purchases.
1.5x Cash Back
Get 1.5x more cash back every time you redeem for Rogers, Fido or Shaw purchases.
5
Get 5 Roam Like Home days at no cost every year for Rogers mobile plans (up to $80 value).
Insurance Benefits
$1,000,000
Emergency medical insurance amount
3
Emergency medical insurance over 65 days
$65,000
Rental car insurance amount
- Most Canadian credit cards charge an FX fe, and technically the Rogers Red World Elite® Mastercard® does as well.
- However, the Rogers Red World Elite® Mastercard® more than makes up for that by giving cardholders 3% unlimited cash back on all eligible purchases made in U.S. dollars.
- This not only offsets the 2.5% fee, but it also results in a 0.5% cashback surplus on your U.S. travels.
- The Rogers™ World Elite® Mastercard® is a more appealing option for frequent U.S. travellers than other no foreign transaction fee cards in Canada because most cards in that category merely waive the foreign transaction fees without giving the extra cash back on top.
- And aside from giving cash back on U.S. dollar transactions, the Rogers Red World Elite® Mastercard® also yields 1.5% in cash back rewards on purchases in CAD.
💳 What are your credit card points worth?
What are your travel points actually worth? Calculate the value of your rewards points by selecting the loyalty currency of your choosing and the amount of points to check:
Top tip
Eat in and save big
Eating out for every meal adds up quickly. Opt for accommodations with kitchens or kitchenettes to save on food costs. Airbnb and apart-hotels are great options for this.
✅ The bottom line on travel credit cards
Choosing the right travel credit card can be your ticket to more rewarding adventures. Whether you're a frequent flyer or an occasional vacationer, there's a card out there that can elevate your travel experience. Remember, the best card for you depends on your spending habits, travel goals, and lifestyle.
Don't just chase flashy sign-up bonuses - look for a card that offers long-term value through strong earn rates, flexible redemption options, and travel perks that match your needs. Consider factors like annual fees, foreign transaction charges, and insurance coverage to ensure you're getting the most bang for your buck.
Best travel credit cards in Canada FAQs
Disclosures:
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. 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.
Nate Siegel
Author
Nathan Siegel has a professional and educational passion for finance, and is a long-time writer for GreedyRates. He follows trends in the Canadian banking sector, compares competing products, and pours over fine print to make personal finance choices easier for Canadian consumers. In his spare time he loves running, swimming, and dogs of all kinds.
Cory Santos
Senior Reporter
Cory Santos is a finance writer, editor and credit card expert with nearly a decade of experience in personal finance. Cory joined Wise Publishing from BestCards, with bylines in numerous print and digital publications across North America, including the Miami Herald, BlogTO, Debt.ca, AOL, MSN and Medium as well as financial podcasts like KOFE Talk. He's also the creator and author of the annual Money.ca Credit Card Awards.
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