Canada · October 2026
Best travel credit cards in Canada
Points and miles cards, ranked by estimated net annual value with each program’s points valued at our stated cents-per-point. All amounts are in Canadian dollars.
73 travel cards ranked
Earn 6 Scene+ points per $1 at Sobeys-type grocers, 5 on dining, food delivery, other groceries and entertainment, 3 on gas, transit and streaming, 1 on everything else; no foreign transaction fees.
Earn: base 1 pts · groceries 6 pts · gas 3 pts · dining 5 pts · travel 1 pts
- Annual fee
- $120 (Waived with Ultimate Package chequing (first year with Preferred); supplementary cards $29)
- Est. net value / yr
- $792
- Welcome offer
- Up to 50,000 bonus Scene+ points: 30,000 at $2,000 in 3 months plus 20,000 at $7,500 in first year. Open account Jul 2 to Nov 1, 2026
- Purchase rate
- 21.99%
- Foreign transaction fee
- None
Earns 5 points per $1 on restaurant, grocery, digital media, membership and household utility purchases and 1 point on everything else, with a birthday bonus and rental collision coverage.
Earn: base 1 pts · groceries 5 pts · dining 5 pts · everyday 1 pts
- Annual fee
- $120 ($120 primary / $50 additional cardholder)
- Est. net value / yr
- $660
- Welcome offer
- 20,000 bonus points after $2,000 in eligible purchases within 90 days plus 10,000 points for enrolling in paperless e-statements (up to 30,000)
- Purchase rate
- 21.99%
- Balance transfers
- 22.99%
- Foreign transaction fee
- Not stated
Earn 1.5 Aeroplan points per $1 on Air Canada, gas, EV charging, groceries and Hyatt, and 1 point per $1 on everything else; free first checked bag.
Earn: base 1 pts · groceries 1.5 pts · gas 1.5 pts · travel 1.5 pts
- Annual fee
- $139 (First-year rebate for primary and up to three authorized users; additional cards $50 each)
- Est. net value / yr
- $657
- Welcome offer
- Up to 50,000 Aeroplan points: 10,000 on first purchase, 15,000 at $6,000 spend in 6 statements, 25,000 anniversary bonus at $12,000 in 12 statements
- Foreign transaction fee
- 2.5%
Earn 1.5 Aeroplan points per $1 on gas, EV charging, groceries and Air Canada purchases (and Hyatt), 1 point per $1 on everything else; free first checked bag for you and up to eight companions on Air Canada.
Earn: base 1 pts · groceries 1.5 pts · gas 1.5 pts · travel 1.5 pts
- Annual fee
- $139 (Additional cardholder $75; first-year fee rebate with offer)
- Est. net value / yr
- $657
- Welcome offer
- Up to 50,000 Aeroplan points: 10,000 on first purchase, 15,000 at $3,000 spend in 90 days, 25,000 anniversary bonus at $12,000 spend in 12 months; first-year fee rebate
- Purchase rate
- 21.99%
- Foreign transaction fee
- 2.5%
Earn 1 Aeroplan point per $1 on Air Canada, gas, EV charging, groceries and all other purchases; earn points twice at Aeroplan partners.
Earn: base 1 pts · groceries 1 pts · gas 1 pts · travel 1 pts
- Annual fee
- $0
- Est. net value / yr
- $642
- Welcome offer
- Up to 10,000 Aeroplan points: 2,500 on first purchase, 2,500 at $1,500 in 4 statements, 5,000 anniversary bonus at $10,000 in 12 statements
- Foreign transaction fee
- 2.5%
Earn 1 Aeroplan point per $1 on Air Canada, gas, EV charging, groceries and all other purchases.
Earn: base 1 pts · groceries 1 pts · gas 1 pts · travel 1 pts
- Annual fee
- $0
- Est. net value / yr
- $642
- Welcome offer
- Up to 10,000 Aeroplan points: 2,500 on first purchase, 2,500 at $1,500 in 4 statements, 5,000 anniversary bonus at $10,000 in 12 statements
- Foreign transaction fee
- 2.5%
Earns 2 Aeroplan points per $1 on Air Canada, 1.5 on dining and food delivery in Canada and at Hyatt, and 1 on everything else, with a free first checked bag.
Earn: base 1 pts · dining 1.5 pts · travel 2 pts · everyday 1 pts
- Annual fee
- $120 (Charge card, no preset limit; fee rises to $150 on Jan 12 2027; $50 per Additional Card)
- Est. net value / yr
- $637
- Welcome offer
- 35,000 Aeroplan points after $7,500 in 6 months plus 10,000 points after $1,000 in month 13
- Foreign transaction fee
- Not stated
Earns 5 Marriott Bonvoy points per $1 at participating Marriott hotels and 2 points per $1 on everything else, with an annual free night award.
Earn: base 2 pts · travel 5 pts · everyday 2 pts
- Annual fee
- $120 (No fee for Additional Cards)
- Est. net value / yr
- $637
- Welcome offer
- 60,000 Marriott Bonvoy points after $3,000 in 3 months, plus 10,000 after $500 in month 13
- Purchase rate
- 21.99%
- Foreign transaction fee
- Not stated
Earn Avios: 3 per $1 on British Airways purchases, 2 per $1 on dining and food delivery, 1 per $1 on everything else; 10% off British Airways flights and a spend-based companion voucher.
Earn: base 1 pts · dining 2 pts · travel 3 pts
- Annual fee
- $165 (Additional card $75)
- Est. net value / yr
- $591
- Welcome offer
- 50,000 bonus Avios when you spend $6,000 within first 90 days
- Purchase rate
- 20.50%
- Foreign transaction fee
- 2.5%
Earn 3 Scene+ points per $1 at Sobeys-type grocers, 2 on dining, other groceries, entertainment, gas, transit and streaming, and 1 on everything else.
Earn: base 1 pts · groceries 3 pts · gas 2 pts · dining 2 pts · travel 1 pts
- Annual fee
- $0 (Supplementary cards $0)
- Est. net value / yr
- $528
- Welcome offer
- Up to 10,000 bonus Scene+ points: 2,500 at $250 and 7,500 more at $1,000 spend in first 3 months. Open account May 1 to Nov 1, 2026
- Purchase rate
- 21.99%
- Foreign transaction fee
- 2.5%
Earn 3 Scene+ points per $1 at Sobeys-type grocers, 2 on dining, other groceries, entertainment, gas, transit and streaming, and 1 on everything else.
Earn: base 1 pts · groceries 3 pts · gas 2 pts · dining 2 pts · travel 1 pts
- Annual fee
- $0 (Supplementary cards $0)
- Est. net value / yr
- $528
- Welcome offer
- Up to 10,000 bonus Scene+ points: 2,500 at $250 and 7,500 more at $1,000 spend in first 3 months. Open account May 1 to Nov 1, 2026
- Purchase rate
- 21.99%
- Foreign transaction fee
- 2.5%
Earn 8 TD Rewards Points per $1 on Expedia For TD travel, 6 on groceries, dining and public transit, 4 on recurring bills and streaming, and 2 on other purchases.
Earn: base 2 pts · groceries 6 pts · dining 6 pts · travel 8 pts
- Annual fee
- $139 (Additional cardholder $50 for first, $0 subsequent; first-year fee rebate with offer)
- Est. net value / yr
- $509
- Welcome offer
- Up to 160,000 TD Rewards Points: 20,000 on first purchase plus 140,000 at $7,500 spend in 180 days; first-year fee rebate; annual $100 TD travel credit
- Purchase rate
- 21.99%
- Foreign transaction fee
- 2.5%
Earn 5 BMO Rewards points per $1 on groceries, gas and transit, dining and takeout/delivery, and 1 point per $1 on everything else.
Earn: base 1 pts · groceries 5 pts · gas 5 pts · dining 5 pts
- Annual fee
- $120 (Annual fee waived in first year)
- Est. net value / yr
- $464
- Welcome offer
- Up to $1,150 value including up to 70,000 bonus points, $20 monthly streaming credits first year, $50 anniversary lifestyle credit, no annual fee first year
- Purchase rate
- 21.99%
- Foreign transaction fee
- 2.5%
Earns 2 Servus Circle Rewards points per $1 on eligible purchases (2% value), with travel and purchase insurance, concierge and Mastercard Travel Pass.
Earn: base 2 pts · everyday 2 pts
- Annual fee
- $150 ($150 annual fee; $40 supplemental card; 25% of fee returned as Profit Share cash)
- Est. net value / yr
- $450
- Welcome offer
- 25,000 Servus Circle Rewards points (value $250) with a new card
- Purchase rate
- 20.99%
- Foreign transaction fee
- 2.5%
Earn up to 3% of purchases in BONUSDOLLARS on groceries and restaurants, 2% on entertainment, transportation and travel, and 1% on other purchases.
Earn: base 1% · groceries 3% · dining 3% · travel 2%
- Annual fee
- $130
- Est. net value / yr
- $446
- Purchase rate
- 20.9%
- Foreign transaction fee
- 2.5%
Earn 1 Aeroplan point per $1 on gas, EV charging, groceries and Air Canada purchases, and 1 point per $1.50 on all other purchases.
Earn: base 0.67 pts · groceries 1 pts · gas 1 pts · travel 1 pts
- Annual fee
- $89 (Additional cardholder $35; first-year fee rebate with offer)
- Est. net value / yr
- $443
- Welcome offer
- Up to 20,000 Aeroplan points: 10,000 on first purchase plus 10,000 at $1,500 spend in 90 days; first-year fee rebate
- Purchase rate
- 21.99%
- Foreign transaction fee
- Not stated
Earn up to 4% of purchases in BONUSDOLLARS on restaurants, entertainment and alternative transportation, 3% on groceries, up to 3% on travel, and 1.5% on other purchases.
Earn: base 1.5% · groceries 3% · dining 4% · travel 3%
- Annual fee
- $295 ($295 for Desjardins members, $395 for non-members)
- Est. net value / yr
- $425
- Purchase rate
- 11.9%
- Foreign transaction fee
- 2.5%
Earns 4 MBNA Rewards points per $1 on restaurant, grocery, digital media, membership and household utility purchases (first 90 days; 2 points thereafter) and 1 point on everything else.
Earn: base 1 pts · groceries 2 pts · dining 2 pts · everyday 1 pts
- Annual fee
- $0 (No annual fee)
- Est. net value / yr
- $420
- Welcome offer
- 5,000 bonus points after $500 in eligible purchases within 90 days, plus 5,000 points for enrolling in paperless e-statements within 90 days
- Purchase rate
- 21.99%
- Balance transfers
- 22.99%
- Foreign transaction fee
- Not stated
Charged in U.S. dollars to avoid daily currency fluctuations, earning 1 Avion point per US$1 on qualifying purchases.
Earn: base 1 pts
- Est. net value / yr
- $420
- Purchase rate
- 20.99%
- Foreign transaction fee
- Not stated
Earns 3 points per $2 (1.5%) on all purchases and 6 points per $2 (3%) on purchases made outside Canada in foreign currencies.
Earn: base 1.5 pts · travel 3 pts · everyday 1.5 pts
- Annual fee
- $99 (First year free including additional cards; additional cards $30)
- Est. net value / yr
- $405
- Purchase rate
- 19.50%
- Foreign transaction fee
- 2.5%
Earns 10 points per $1 at select local businesses, 5 on transit and ferries, 2.5 on groceries, 1.25 on everything else, and double points on travel booked via Vancity Rewards.
Earn: base 1.25 pts · groceries 2.5 pts · travel 2.5 pts · everyday 1.25 pts
- Annual fee
- $120 (Annual fee rebate for Total Chequing Account holders; $0 first additional card, $50 each additional (up to 4))
- Est. net value / yr
- $405
- Welcome offer
- Up to $1,014 value: 2-year annual fee waived, 20,000 points on $3,000 in 3 months, 20,000 on $12,000 in 12 months, $200 travel credit, 2 lounge passes
- Purchase rate
- 19.50%
- Foreign transaction fee
- 2.5%
Earns 2 Membership Rewards points per $1 on travel and on eligible gas, grocery and drugstore purchases in Canada, and 1 point on everything else.
Earn: base 1 pts · groceries 2 pts · gas 2 pts · travel 2 pts · everyday 2 pts
- Annual fee
- $250 (1 free Additional Gold Rewards Card, $50 for each further)
- Est. net value / yr
- $399
- Welcome offer
- Earn up to 60,000 Membership Rewards points: 5,000 points for each monthly billing period with $1,000 spend in first year
- Purchase rate
- 21.99%
- Foreign transaction fee
- Not stated
Earn 6 TD Rewards Points per $1 on Expedia For TD travel, 4.5 on groceries, dining and public transit, 3 on recurring bills and streaming, and 1.5 on other purchases.
Earn: base 1.5 pts · groceries 4.5 pts · dining 4.5 pts · travel 6 pts
- Annual fee
- $89 (Additional cardholder $35 for first, $0 subsequent; first-year fee rebate with offer)
- Est. net value / yr
- $397
- Welcome offer
- Up to 50,000 TD Rewards Points: 15,000 on first purchase plus 35,000 at $3,000 spend in 180 days; first-year fee rebate
- Purchase rate
- 21.99%
- Foreign transaction fee
- Not stated
Earns 3 Aeroplan points per $1 on Air Canada, 2 on dining and food delivery in Canada and at Hyatt, and 1.25 on everything else, with Maple Leaf Lounge access and a companion pass.
Earn: base 1.25 pts · dining 2 pts · travel 3 pts · everyday 1.25 pts
- Annual fee
- $599 (Annual fee rises to $799 on Jan 12 2027; $199 per Additional Reserve Card (no-fee companion card available))
- Est. net value / yr
- $396
- Welcome offer
- 60,000 Aeroplan points after $7,500 in 3 months plus 25,000 points after $2,500 in month 13
- Purchase rate
- 21.99%
- Foreign transaction fee
- Not stated
Earn 1 Aventura point per $1 on travel through the CIBC Rewards Centre, gas, EV charging, groceries and drugstores, and on all purchases (no tiered bonus).
Earn: base 1 pts · groceries 1 pts · gas 1 pts · travel 1 pts
- Annual fee
- $0
- Est. net value / yr
- $390
- Welcome offer
- Earn up to 12,500 Aventura points: 2,500 for five activities within 60 days plus 10,000 at $1,000 spend in first 4 statements
- Foreign transaction fee
- 2.5%
Earn 1 Aventura point per $1 on travel via the CIBC Rewards Centre, gas, EV charging, groceries and drugstores, and on all purchases.
Earn: base 1 pts · groceries 1 pts · gas 1 pts · travel 1 pts
- Annual fee
- $0
- Est. net value / yr
- $390
- Welcome offer
- Up to 12,500 Aventura points: 2,500 for five activities within 60 days plus 10,000 at $1,000 spend in first 4 statements
- Foreign transaction fee
- 2.5%
Earns 5 Membership Rewards points per $1 on eats and drinks in Canada, 3 on streaming, 2 on gas, transit and rideshare, and 1 on everything else.
Earn: base 1 pts · gas 2 pts · dining 5 pts · travel 2 pts · everyday 1 pts
- Annual fee
- $192 ($15.99/month for non-Quebec residents ($191.88/year); no fee for Additional Cards)
- Est. net value / yr
- $388
- Welcome offer
- Earn up to 15,000 Membership Rewards points: 1,250 points per monthly billing period with $750 spend in first year
- Purchase rate
- 21.99%
- Foreign transaction fee
- 2.5%
Premium card earning 10 points per $1 at select local businesses, 5 on transit and ferries, 3 on groceries, 1.5 on everything else, and double points on travel booked via Vancity Rewards.
Earn: base 1.5 pts · groceries 3 pts · travel 3 pts · everyday 1.5 pts
- Annual fee
- $245 (Up to $150 annual fee rebate for Total Chequing Account holders; $0 first additional card, $50 each additional (up to 4))
- Est. net value / yr
- $385
- Welcome offer
- Up to $1,493 rewards value: 30,000 points on $6,000 in 3 months, 30,000 on $12,000 in 6 months, 30,000 on $24,000 in 12 months, $250 travel credit, 6 lounge passes
- Purchase rate
- 19.50%
- Foreign transaction fee
- 2.5%
Earn 1 Scene+ point per $1 on all purchases, 2 points at Sobeys/Safeway/IGA-type grocers, Home Hardware and Cineplex, and 1 point on eligible travel (plus 3 extra on Expedia bookings).
Earn: base 1 pts · groceries 2 pts · travel 1 pts
- Annual fee
- $0 (Supplementary cards $0)
- Est. net value / yr
- $384
- Welcome offer
- Up to 5,000 bonus Scene+ points: 2,500 at $250 and 2,500 more at $1,000 spend in first 3 months. Open account Jul 2 to Nov 1, 2026
- Purchase rate
- 21.99%
- Foreign transaction fee
- 2.5%
Earn 1 Scene+ point per $1 on all purchases, 2 points at Sobeys/Safeway/IGA-type grocers, Home Hardware and Cineplex, and 1 point on eligible travel (plus 3 extra on Expedia bookings).
Earn: base 1 pts · groceries 2 pts · travel 1 pts
- Annual fee
- $0 (Supplementary cards $0)
- Est. net value / yr
- $384
- Welcome offer
- Up to 5,000 bonus Scene+ points: 2,500 at $250 and 2,500 more at $1,000 spend in first 3 months. Open account Jul 2 to Nov 1, 2026
- Purchase rate
- 21.99%
- Foreign transaction fee
- 2.5%
Premium travel-oriented card earning 3 points per $1 on grocery, 2 on dining and entertainment and 1 on everything else, with travel insurance.
Earn: base 1 pts · groceries 3 pts · dining 2 pts · everyday 1 pts
- Annual fee
- $120 ($120 annual fee; $50 additional card)
- Est. net value / yr
- $384
- Welcome offer
- 0% balance transfer 9 months, first-year annual fee rebate and up to 10,000 Flex Rewards welcome points (terms apply)
- Purchase rate
- 20.99% fixed
- Balance transfers
- 0% for 9 months on balance transfers (terms apply)
- Foreign transaction fee
- 2.5%
Earns 3 points per $1 on groceries ($20K cap), 2 on dining and entertainment ($15K cap) and 1 on everything else, with travel and purchase insurance.
Earn: base 1 pts · groceries 3 pts · dining 2 pts · everyday 1 pts
- Annual fee
- $120 ($120 annual fee)
- Est. net value / yr
- $384
- Welcome offer
- $200 statement credit for new members
- Purchase rate
- 20.99%
- Foreign transaction fee
- 2.5%
Premium travel-oriented card earning 3 points per $1 on grocery, 2 on dining and entertainment and 1 on everything else, with travel insurance.
Earn: base 1 pts · groceries 3 pts · dining 2 pts · everyday 1 pts
- Annual fee
- $120 ($120 annual fee; $50 additional card)
- Est. net value / yr
- $384
- Purchase rate
- 20.99% fixed
- Foreign transaction fee
- 2.5%
Premium travel-oriented card earning 3 points per $1 on grocery, 2 on dining and entertainment and 1 on everything else, with travel insurance.
Earn: base 1 pts · groceries 3 pts · dining 2 pts · everyday 1 pts
- Annual fee
- $120 ($120 annual fee; $50 additional card)
- Est. net value / yr
- $384
- Purchase rate
- 20.99% fixed
- Balance transfers
- 0% for 9 months on balance transfers (terms apply)
- Foreign transaction fee
- 2.5%
Premium travel-oriented card earning 3 points per $1 on grocery, 2 on dining and entertainment and 1 on everything else, with travel insurance.
Earn: base 1 pts · groceries 3 pts · dining 2 pts · everyday 1 pts
- Annual fee
- $120 ($120 annual fee; $50 additional card)
- Est. net value / yr
- $384
- Purchase rate
- 20.99% fixed
- Foreign transaction fee
- 2.5%
Earn WestJet points: 2 per $1 on WestJet/Sunwing purchases, groceries and transportation including gas, 1.5 per $1 on everything else; free first checked bag for you and up to eight guests.
Earn: base 1.5 pts · groceries 2 pts · gas 2 pts · travel 2 pts
- Annual fee
- $139 (Additional card $59)
- Est. net value / yr
- $383
- Welcome offer
- Up to 70,000 WestJet points when you spend $5,000 in first 3 months; welcome companion voucher from $119 CAD plus taxes
- Purchase rate
- 20.99%
- Foreign transaction fee
- 2.5%
Visa Infinite with a lower 11.25% rate, earning 10 points per $1 at local businesses, 5 on transit, 2.5 on groceries and 1.25 on everything else.
Earn: base 1.25 pts · groceries 2.5 pts · travel 2.5 pts · everyday 1.25 pts
- Annual fee
- $145 ($145 annual fee; two-year annual fee waiver welcome offer)
- Est. net value / yr
- $380
- Welcome offer
- Two-year annual fee waiver
- Purchase rate
- 11.25%
- Foreign transaction fee
- 2.5%
Earn 2 Aventura points per $1 on travel through the CIBC Rewards Centre, 1.5 on gas, EV charging, groceries and drugstores, and 1 on everything else.
Earn: base 1 pts · groceries 1.5 pts · gas 1.5 pts · travel 2 pts
- Annual fee
- $139 (First year rebated for primary and up to three authorized users (additional cards $50))
- Est. net value / yr
- $368
- Welcome offer
- Up to $1,900 in value including 15,000 Aventura points at $5,000 spend in first 4 statements, annual fee rebate, 4 lounge visits and NEXUS rebate
- Foreign transaction fee
- 2.5%
Earn 2 Aventura points per $1 on travel through the CIBC Rewards Centre, 1.5 on gas, EV charging, groceries and drugstores, and 1 on everything else.
Earn: base 1 pts · groceries 1.5 pts · gas 1.5 pts · travel 2 pts
- Annual fee
- $139 (First year rebated; additional cards $50 each (up to 3))
- Est. net value / yr
- $368
- Welcome offer
- Apply and earn up to $1,900 in value (details on page)
- Foreign transaction fee
- 2.5%
Earn 3 Scene+ points per $1 at Sobeys-type grocers, 2 on dining, other groceries, entertainment and transit, 1 on everything else; no foreign transaction fees and lounge access via Visa Airport Companion.
Earn: base 1 pts · groceries 3 pts · dining 2 pts · travel 1 pts
- Annual fee
- $150 (Waived/rebated with Ultimate Package chequing; $40 rebate with Preferred Package; first supplementary card $0, then $50)
- Est. net value / yr
- $354
- Welcome offer
- Up to 35,000 bonus Scene+ points: 25,000 at $2,000 spend in first 3 months, plus 10,000 annual bonus at $40,000 annual spend. Open account Aug 4 to Nov 1, 2026
- Purchase rate
- 20.99%
- Foreign transaction fee
- None
No-fee card earning 1 Membership Rewards point per $1 on everyday purchases, plus 1 extra point on Amex Travel Online hotel and car bookings.
Earn: base 1 pts · everyday 1 pts
- Annual fee
- $0 (No annual fee; no fee for Additional Cards)
- Est. net value / yr
- $345
- Welcome offer
- 10,000 Membership Rewards points after $1,000 in the first 3 months
- Purchase rate
- 21.99%
- Foreign transaction fee
- Not stated
Earn 2 Aeroplan points per $1 on Air Canada and Hyatt, 1.5 on gas, EV charging, groceries, travel and dining, and 1.25 on everything else; Maple Leaf Lounge access and first bag free.
Earn: base 1.25 pts · groceries 1.5 pts · gas 1.5 pts · dining 1.5 pts · travel 2 pts
- Annual fee
- $599
- Est. net value / yr
- $338
- Welcome offer
- Up to 100,000 Aeroplan points: 10,000 at $1,000 in 2 statements, 40,000 at $5,000 in 4 statements, 50,000 anniversary bonus at $25,000 in 12 statements
- Foreign transaction fee
- 2.5%
Earn 2 Aeroplan points per $1 on Air Canada purchases, 1.5 on gas, EV, groceries, travel, transit and dining, 1.25 on everything else; Maple Leaf Lounge access and 6 Visa Airport Companion lounge visits.
Earn: base 1.25 pts · groceries 1.5 pts · gas 1.5 pts · dining 1.5 pts · travel 2 pts
- Annual fee
- $599 (Additional cardholder $199; partial annual fee rebate with TD All-Inclusive Banking Plan)
- Est. net value / yr
- $338
- Welcome offer
- Up to 100,000 Aeroplan points: 20,000 on first purchase, 30,000 at $12,000 spend in 180 days, 50,000 anniversary bonus at $24,000 spend in 12 months
- Purchase rate
- 21.99%
- Foreign transaction fee
- Not stated
Earn VIPorter points: 3 per $1 on Porter purchases, 2 per $1 on gas/transport, groceries, dining and hotels, and 1 per $1 elsewhere; annual round-trip companion pass.
Earn: base 1 pts · groceries 2 pts · gas 2 pts · dining 2 pts · travel 3 pts
- Annual fee
- $199 (Waived in first year)
- Est. net value / yr
- $317
- Welcome offer
- Up to $2,400 value including 70,000 VIPorter points, round-trip companion pass and annual fee waived first year
- Purchase rate
- 21.99%
- Foreign transaction fee
- 2.5%
Earn 1.25 Avion points per $1 on travel purchases and 1 point per $1 on everything else; redeem on any airline at fixed-points pricing or 100 points = $1.
Earn: base 1 pts · travel 1.25 pts
- Annual fee
- $120 (Additional card $50)
- Est. net value / yr
- $313
- Welcome offer
- Up to 70,000 Avion points: 35,000 on approval, 20,000 when you spend $5,000 in first 6 months, 15,000 anniversary bonus. Apply by Nov 25, 2026
- Purchase rate
- 20.99%
- Foreign transaction fee
- 2.5%
Earns Asia Miles: 4 per $1 on Cathay Pacific flights, 2 on foreign-currency purchases, 1 on everything else in Canada, with Cathay lounge redemption access and travel insurance.
Earn: base 1 pts · travel 4 pts · everyday 1 pts
- Annual fee
- $180 ($180 annual fee per credit-cards index (Cathay page also says no monthly fees))
- Est. net value / yr
- $310
- Welcome offer
- Up to 35,000 Asia Miles: 15,000 on activation and first purchase, plus 20,000 after $5,000 spend within 3 months
- Purchase rate
- 19.99%-26.99%
- Foreign transaction fee
- 3%
Premium card earning 10 points per $1 on the first $3,000 of monthly spend, up to 30 points per $1 at higher tiers, plus monthly bonus points.
Earn: base 10 pts · everyday 10 pts
- Est. net value / yr
- $300
- Welcome offer
- 150,000 points ($150 value) welcome offer
- Purchase rate
- 20.99%
- Balance transfers
- 12.99%
- Foreign transaction fee
- Not stated
Earn 1 Avion point per $1 on all purchases; redeem for flights on any airline, hotels and more at 100 points = $1.
Earn: base 1 pts · travel 1 pts
- Annual fee
- $120 (Additional card $50)
- Est. net value / yr
- $300
- Welcome offer
- Up to 70,000 Avion points: 35,000 on approval, 20,000 when you spend $5,000 in first 6 months, 15,000 anniversary bonus. Apply by Nov 25, 2026
- Purchase rate
- 20.99%
- Foreign transaction fee
- 2.5%
Earn WestJet points: 1.5 per $1 on WestJet flights and vacations, restaurants, food delivery and digital subscriptions/streaming, 1 per $1 on everything else; annual companion voucher with $2,500 spend.
Earn: base 1 pts · dining 1.5 pts · travel 1.5 pts
- Annual fee
- $39 (Additional card $19)
- Est. net value / yr
- $297
- Welcome offer
- Up to 15,000 WestJet points when you spend $1,000 in first 3 months; welcome companion voucher from $199 CAD plus taxes after first purchase
- Purchase rate
- 20.99%
- Foreign transaction fee
- 2.5%
Earns 1 reward point per $1 on all purchases and 2 points per $1 on purchases made outside Canada.
Earn: base 1 pts · travel 2 pts · everyday 1 pts
- Annual fee
- $49 (First year free; additional cards $0)
- Est. net value / yr
- $287
- Purchase rate
- 19.50%
- Foreign transaction fee
- 2.5%
Showing the top 50 of 73.
Rates, fees and offers are shown as we read them on each issuer’s own website on the date shown, in Canadian dollars, and can change at any time. Confirm current terms with the issuer before applying. General information, not financial advice. Partner links, where they exist, never change the order. Affiliate disclosure. Card rules and consumer protections: Financial Consumer Agency of Canada.
How these cards are ranked
Rankings are by the numbers only: no issuer can pay to be listed, left out or ranked higher. For rewards cards we estimate net annual value in Canadian dollars: rewards earned on a reference household budget of $30,000 a year ($8,400 groceries, $3,600 dining, $2,400 gas, $3,600 travel, $12,000 everything else) at the earn rate the issuer states for each category, with points valued at the cents-per-point on our Canadian point values page, minus the annual fee. Welcome bonuses are shown separately and not counted. A card whose issuer page does not state an earn rate is not given a value. Every figure was read on the issuer’s own website; see our Canada methodology.
Frequently asked questions
Which is the best travel credit card in Canada?
By our ranking rule, Scotiabank Gold American Express Card from Scotiabank currently ranks first at an estimated $792 net a year. The right card depends on your own spending, so check the issuer’s terms before applying.
How do you calculate the ranking?
We estimate rewards on a reference budget of $30,000 a year, value points at the cents per point on our Canadian point values page, and subtract the annual fee. Welcome bonuses are not included.
Are these cards available in Quebec?
Availability can differ by province. Each card page shows whether the issuer states that it is offered in Quebec; where the issuer does not say, we show “not stated”.
Do I need a minimum income?
Many rewards cards state a minimum personal or household income. Each card shows the figure the issuer states, or “not stated”.
More Canadian card guides
- All cards
- Cash back
- No annual fee
- Low interest
- Balance transfer
- Student
- Secured & rebuild
- Business
- No FX fee
- Groceries
- Gas
- Affinity Rewards
- Collabria Flex Rewards
- Aeroplan
- Amex Membership Rewards (Canada)
- BMO Rewards
- CIBC Aventura
- Meridian Rewards
- RBC Avion Rewards
- Scene+
- Vancity Rewards
- Canadian point values
- Cards by issuer
- Cross-border cards & points