Best Airline Credit Cards in Canada

Best Cards 1st Yr Free Airline Bad Credit Balance Transfer Business Cash Back Groceries

Best for: 1st Yr Fee Rebate

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4.8Ratesopedia rating

The TD Aeroplan Visa Infinite Card offers a first year annual fee rebate (regular fee $139/yr). It comes with a welcome bonus of 40,000 points. You earn 1.5x on groceries and 1x at restaurants. Estimated first-year value is $1,330.

Best of Month1st Yr Fee Rebate

Annual Fee

$139 $0

Rewards rate

Aeroplan

Welcome Bonus

40,000 points

1st Year Value

$1,330

Pros

First Year Annual Fee Rebate
Welcome bonus of 40,000 points
Estimated 1st-year value of $1,330

Cons

Requires good credit

Best for: Overall value

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American Express Aeroplan Reserve Card

Amex Amex Aeroplan

5.0Ratesopedia rating

It comes with a welcome bonus of 150,000 points. You earn 1.25x on groceries and 2x at restaurants. Estimated first-year value is $2,988.

Best of Month

Annual Fee

$599

Rewards rate

1.25x

Aeroplan

Welcome Bonus

150,000 points

1st Year Value

$2,988

Pros

Welcome bonus of 150,000 points
2x at restaurants
Estimated 1st-year value of $2,988

Cons

High annual fee ($599)

Best for: Overall value

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TD Aeroplan Visa Infinite Privilege Credit Card

TD Visa Aeroplan

5.0Ratesopedia rating

It comes with a welcome bonus of 85,000 points. You earn 1.5x on groceries and 1.5x at restaurants. Estimated first-year value is $1,811.

Best of Month

Annual Fee

$599

Rewards rate

1.25x

Aeroplan

Welcome Bonus

85,000 points

1st Year Value

$1,811

Pros

Welcome bonus of 85,000 points
Estimated 1st-year value of $1,811

Cons

High annual fee ($599)
Requires good credit

Best for: 1st Yr Fee Rebate

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BMO VIPorter World Elite Mastercard

BMO Mastercard Porter VIPorter

5.0Ratesopedia rating

The BMO VIPorter World Elite Mastercard offers a first year annual fee rebate (regular fee $199/yr). It comes with a welcome bonus of 70,000 points. You earn 2x on groceries and 2x at restaurants. Estimated first-year value is $1,644.

1st Yr Fee Rebate

Annual Fee

$199 $0

Rewards rate

Porter VIPorter

Welcome Bonus

70,000 points

1st Year Value

$1,644

Pros

First Year Annual Fee Rebate
Welcome bonus of 70,000 points
2x on groceries
2x at restaurants

Cons

High annual fee ($199)
Requires good credit

Best for: Overall value

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WestJet RBC World Elite Mastercard‡

RBC Mastercard WestJet Rewards

4.2Ratesopedia rating

It comes with a welcome bonus of 45,000 points. You earn 2x on groceries and 1.5x at restaurants. Estimated first-year value is $721.

Annual Fee

$139

Rewards rate

1.5x

WestJet Rewards

Welcome Bonus

45,000 points

1st Year Value

$721

Pros

Welcome bonus of 45,000 points
2x on groceries
Estimated 1st-year value of $721

Cons

Requires good credit

Best for: 1st Yr Fee Rebate

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BMO VIPorter Mastercard

BMO Mastercard Porter VIPorter

4.3Ratesopedia rating

The BMO VIPorter Mastercard offers a first year annual fee rebate (regular fee $89/yr). It comes with a welcome bonus of 40,000 points. You earn 1x on groceries and 1x at restaurants. Estimated first-year value is $897.

1st Yr Fee Rebate

Annual Fee

$89 $0

Rewards rate

0.5x

Porter VIPorter

Welcome Bonus

40,000 points

1st Year Value

$897

Pros

First Year Annual Fee Rebate
Welcome bonus of 40,000 points
Estimated 1st-year value of $897

Cons

Fewer premium perks

Best for: Overall value

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United MileagePlus Neo World Elite Mastercard

Neo Mastercard United MileagePlus

4.2Ratesopedia rating

It comes with a welcome bonus of 25,000 miles. You earn 1x on groceries and 1x at restaurants. Estimated first-year value is $606.

Best of Month

Annual Fee

$89

Rewards rate

0.75x

United MileagePlus

Welcome Bonus

25,000 miles

1st Year Value

$606

Pros

Welcome bonus of 25,000 miles
Estimated 1st-year value of $606

Cons

Requires good credit

Best for: Overall value

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RBC British Airways Visa Infinite

RBC Visa British Airways Club

5.0Ratesopedia rating

It comes with a welcome bonus of 60,000 Avios. You earn 2x on groceries and 2x at restaurants. Estimated first-year value is $1,349.

Best of Month

Annual Fee

$165

Rewards rate

British Airways Club

Welcome Bonus

60,000 Avios

1st Year Value

$1,349

Pros

Welcome bonus of 60,000 Avios
2x on groceries
2x at restaurants
Estimated 1st-year value of $1,349

Cons

High annual fee ($165)
Requires good credit

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Complete Guide

Best Airline Credit Cards in Canada

Compare airline-branded and miles-earning credit cards in Canada — Aeroplan, Avion, WestJet, Flying Blue. Earn miles fast and unlock free flights, lounge access, and elite perks.

Airline credit cards earn you miles or points convertible to flights, often at a much higher per-dollar value than cash-back cards when redeemed for partner-airline business or first-class seats. The best Canadian options bridge multiple alliances.

Aeroplan vs Avion vs WestJet

Aeroplan-earning Amex and CIBC cards are the heavyweights for Star Alliance redemptions. RBC Avion converts to several partners (Aeroplan, Avios, Cathay). WestJet Mastercards earn WestJet dollars at a 1:1 ratio for cash-equivalent flights.

Cards analyzed

Jun 2026

Last updated

100%

Independent

Methodology

Our team evaluates credit cards based on overall consumer value: rewards earning rates, annual fees, welcome bonuses, insurance coverage, and additional perks. Cards are ranked by estimated first-year value. We update our picks monthly.

📊Real data

🔄Updated regularly

⚖️Unbiased review

🎯Transparent criteria

FAQ

Frequently Asked Questions

1Are airline credit cards worth it?

Yes if you fly more than once or twice a year and can redeem for partner-airline premium cabins. The same 75,000 Aeroplan points might cover a $400 economy ticket or a $4,000 business-class seat — the latter is where airline cards shine.

2Should I get an Aeroplan card or a flexible-points card?

Flexible cards (Amex MR, RBC Avion) give you more options — you can move points to multiple airlines. Aeroplan-only cards usually have richer earn rates and elite-benefit kickers but lock you into the Air Canada / Star Alliance ecosystem.

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Compare the best credit cards in Canada or calculate which card's rewards actually fit your budget.

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Best Airline Credit Cards in Canada

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Best Airline Credit Cards in Canada

Aeroplan vs Avion vs WestJet

Methodology

Frequently Asked Questions

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