Canadian points and miles values (CAD)

Aeroplan prices flights dynamically and publishes no fixed cash value. We use the same value as the US site (blended 1.50 cents USD per point, converted at the Bank of Canada rate 1.4257 = 2.14 cents CAD). Cross-check from Canadian issuers' own pages: CIBC values its Aeroplan welcome points at 2.0 cents each and TD says most cardholders get 2 cents or more.

Sources: cibc.com, td.com · as of October 8, 2026

Same value as the US site (blended 1.30 cents USD per Avios, converted at the Bank of Canada rate 1.4257 = 1.85 cents CAD). British Airways publishes its Avios chart and Avios + money table only in logged-in search, so no Canadian cash pairing could be read; low confidence on the CAD figure.

Sources: britishairways.com, rbcroyalbank.com · as of October 8, 2026

Method 1+2. RBC publishes a fixed 100 points = $1 CAD for hotels, car rentals and other travel (floor 1.0c; a statement-credit rate was not read), and a fixed-points flight grid with a maximum base fare per tier. The grid ratios (max fare / points, taxes excluded) run 2.0c-2.33c (median 2.00c) but only apply when the ticket is at the cap, so blended is set conservatively at 70% of the median grid ratio.

Sources: avionrewards.com, rbcroyalbank.com · as of October 8, 2026

Method 2. CIBC publishes the Aventura Airline Rewards Chart as a points range per region with a maximum base fare (taxes excluded), using the top of each points range; ratios run 1.6c-2.3c (median 1.86c), but those are caps, so blended is 70% of the median. CIBC does not publish a fixed points-to-dollar rate for Payment with Points or flexible travel on the pages read ('conversion ratio is determined by CIBC'), so no cash floor is recorded.

Sources: cibc.com, rewards.cibcrewards.com · as of October 8, 2026

Low confidence, no rate published: Cathay's award chart and Cash + Miles are login/dynamic and the public pages returned no CAD rate. 1.2c is an assumption, not a published value.

Sources: cathaypacific.com · as of October 8, 2026

Low confidence, no rate published: united.com's Canada MileagePlus awards page lists redemption categories but no miles-to-dollar rate or chart. 1.2c is an assumption, not a published value.

Sources: united.com · as of October 8, 2026

Method 1+2. Amex states 1,000 points = $10 Travel Credit (Flexible Points Travel), floor 1.0c; the statement-credit/Use Points for Purchases rate was not on the pages re-read. Fixed Points Travel grid ratios run 1.5c-2.0c (median 1.65c) as caps; blended is 70% of the median. Transfer partners (1:1) are not valued here: only the program's own published redemptions are used.

Sources: americanexpress.com · as of October 8, 2026

Same value as the US site (blended 0.75 cents USD per point, converted at the Bank of Canada rate 1.4257 = 1.07 cents CAD). Marriott's own fixed items are in USD only (a $50 Starbucks card = 17,500 points, 0.29c floor); hotel award prices are dynamic, so no Canadian hotel pairing could be read.

Sources: marriott.com, marriott.com · as of October 8, 2026

Method 1. WestJet states 100 WestJet points = 1 CAD savings on base fare, surcharges, bags and seats; 105-115 points = 1 CAD on taxes and fees (about 0.87-0.95c). Minimum redemption 2,500 points = $25.

Sources: westjet.com · as of October 8, 2026

Method 1. Scotiabank's page lists Scene+ examples: 1,000 pts = $10 Cineplex, 5,000 = $50 Home Hardware, 10,000 = $100 grocery, 20,000 = $200 travel (100 pts = $1 on travel), and 3,000 = $20 account credit (0.67c, floor). Best generally available fixed rate is 1.0c.

Sources: scotiabank.com · as of October 8, 2026

Method 1. Canadian Tire states CT Money redeems $1 for $1 at its stores, so a CT dollar earned is worth 1 cent per cent.

Sources: triangle.canadiantire.ca · as of October 8, 2026

Method 1. National Bank's current page shows $100 off per 10,000 points on À la carte Travel (1.0c; round-trip Montreal-Toronto $375 value = 37,500 points), a $50 gift card for 7,250 points (0.69c) and $100 off the card balance for 25,000 points (0.4c floor). Welcome offers still quote 10,000 points = $83 (0.83c); the current travel rate is 1.0c.

Sources: nbc.ca · as of October 8, 2026

Method 1, both cards re-read. MBNA World Elite: travel 100 points per $1 (1.0c), cash/charity 120 points per $1 (0.83c). MBNA Platinum Plus: travel 100 points per $1 (1.0c), cash/charity 200 points per $1 (0.5c). Floor is the Platinum Plus cash rate; blended is the travel rate common to both.

Sources: mbna.ca, mbna.ca · as of October 8, 2026

Method 1. Brim states 1 point = $0.01 on a specific purchase or as statement cashback, minimum 100 points ($1).

Sources: brimfinancial.com · as of October 8, 2026

Method 1. Vancity's card page states 100 points = $1 rewards value (1.0c), repeated in its yearly-earnings examples (12,000 points = $120).

Sources: vancity.com · as of October 8, 2026

Method 1 (implied). servus.ca says the Servus Mastercard earns 1 Circle Reward point per $1 on the basic card and 'as many as 2 points per $1 you spend (a 2% value)', so 1 point = 1c. No per-point redemption table is published on the pages read.

Sources: servus.ca · as of October 8, 2026

Method 1 (implied). Meridian's Visa Infinite Cash Back page labels 4/2/1 reward points per $1 as 4%/2%/1% and says 'redeem your cash back rewards', so 1 point = 1c. The Rewards Program Rules PDF states points have no cash value and gives no conversion table, so this stays an inference from the percent labels.

Sources: meridiancu.ca · as of October 8, 2026

Method 1 (implied). Collabria publishes no points-to-dollar table, but the card pages of Collabria-run credit-union cards (Libro, Steinbach, Alterna, Conexus, Coast) describe Flex Rewards as 1 point per $1 = 1% and 4 per $1 = 4% on cash-back cards, i.e. 1 point = 1c. Flex Rewards on travel/points cards may redeem at other rates.

Sources: collabriacreditcards.ca · as of October 8, 2026

Low confidence, no rate published: Porter's VIPorter terms say the points needed depend on the fare and are shown only after login. 1.0c is an assumption, not a published value.

Sources: flyporter.com · as of October 8, 2026

Method 1. CIBC states 1,500 Adapta Points = $10 on card balance or a recent purchase (0.67c, floor) and 1,200 points = $10 toward select CIBC financial products (0.83c); welcome 3,000 points = up to $25 (0.83c).

Sources: cibc.com · as of October 8, 2026

Method 1. RBC states 500 Moi points = $4 off at nearly 900 participating stores and 5,000 bonus points = a $40 value (0.8c).

Sources: rbcroyalbank.com · as of October 8, 2026

Method 1. bluerewards.ca states 1,500 Blue Points = $10 in store or on eGift cards (0.67c). Travel and merchandise have separate unpublished rates, so travel is not valued separately; the Terms say a point's value varies by reward category.

Sources: bluerewards.ca, bluerewards.ca · as of October 8, 2026

Method 1 (issuer-published valuation). BMO's Ascend World Elite Business Mastercard page says up to 150,000 BMO Rewards points are 'worth up to $1,000' (0.67c per point), consistent with 1,500 points = $10. BMO's pages publish no per-point table (Pay with Points works in $1 steps); bmorewards.com is behind a bot wall and was not read.

Sources: bmo.com · as of October 8, 2026

Method 1. TD states 200 TD Rewards Points = $1 on travel booked through Expedia For TD (0.5c) and 1 point = $0.0033 at Amazon.ca (0.33c). The earlier 0.33c value was the Amazon floor; the best generally available fixed rate is 0.5c.

Sources: td.com · as of October 8, 2026

Method 1. RBC states 20,000 bonus More Rewards points are a value of $30 in groceries (0.15c). Only this one published example was read.

Sources: rbcroyalbank.com · as of October 8, 2026

Method 1. PC Financial states 10,000 points = $10 in value at 4,500+ stores (0.1c) or $7 toward paying down the credit card balance (0.07c floor).

Sources: pcfinancial.ca · as of October 8, 2026

Method 1. Affinity quotes 10,000 points = $10, 50,000 = $50 and 150,000 = $150 value (0.1c).

Sources: affinitycu.ca · as of October 8, 2026