Best Airline Credit Cards in Canada - November 2026

Up to $1,550 in value^† including up to 50,000 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 $3,000 within 90 days of Account opening^†.
• Plus, earn a one-time anniversary bonus of 25,000 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 per eligible cardholder)^†.
• Share free first checked bags for you and 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. To receive the first Additional Cardholder first-year Annual Fee rebate, you must add your first Additional Cardholder 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Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer unless otherwise indicated.

Welcome Offer: Get up to 70,000 WestJet points¹

• 30,000 WestJet points as a welcome bonus with your first purchase
• 30,000 WestJet points when you charge at least $5,000 in eligible purchases to your card within the first three months
• 10,000 additional WestJet points after your credit card account’s first anniversary

Benefits of the WestJet World Elite Mastercard‡ RBC^®

• Check your first bag for free for the primary cardholder and up to 8 guests on the same reservation when you pay with your WestJet RBC World Elite Mastercard⁴
• Cardholders can now achieve Silver, Gold and even Platinum Status with a Status Lift up to 50 times per year – you’ll earn 200 CAD in tier qualifying spend for every $5,000 in purchases on your card¹¹
• Receive a World Elite Companion Voucher starting from $119 CAD (plus taxes, fees, surcharges and other ATC) when you spend a minimum of $5,000 annually on your card⁵, or choose to exchange it for one of the following:
  • A 30% flight discount for one traveller⁸
  • A $200 credit towards a WestJet Vacations package or Sunwing Vacations package⁹
  • Two airport lounge passes¹⁰

WestJet Points earned with the WestJet RBC World Elite Mastercard

• Earn 2 points for every dollar you spend on WestJet flights, WestJet Vacations, and Sunwing Vacations²
• Earn 2 points for every dollar you spend at grocery stores and on transportation including gas, EV charging, public transit and rideshare³
• Earn 1.5 points for every dollar you spend on all other everyday purchases²
• WestJet points can now be redeemed to cover taxes, fees and surcharges⁷
• No blackout periods.
• You can truly relax while you’re travelling with comprehensive coverage, now including Trip Cancellation insurance¹⁶.

Save at Petro-Canada
Save 3¢/L on gas and earn 20% more Petro-Points when you pay with a linked RBC card.¹³

Earn more Be Well points at Rexall
Earn 50 Be Well points for every $1 spent on eligible purchases at Rexall when you pay with your linked RBC credit card.¹⁴

Enjoy unlimited $0 delivery fees with DoorDash
Get a complimentary DashPass subscription from DoorDash for up to 12 months and enjoy unlimited deliveries from qualifying restaurants you love. Enjoy $0 delivery fees on orders of $15+ when you pay with an eligible RBC credit card¹⁵.

Enjoy airport lounges worldwide
Your WestJet RBC World Elite Mastercard entitles you to membership in the Mastercard Travel Pass Program provided by DragonPass.¹² This program offers access to more than 1,300 airport lounges globally, plus valuable airport dining and spa offers. Download the Mastercard Travel Pass app and register at mastercardtravelpass.dragonpass.com

You can truly relax while you’re travelling with comprehensive coverage, now including Trip Cancellation insurance¹⁶.

• Mobile Device Insurance¹⁶
• Trip Cancellation Insurance¹⁶
• Out-of-Province/Country Emergency Medical Insurance¹⁶
• Trip Interruption Insurance¹⁶
• Flight Delay Insurance¹⁶
• Travel Accident Insurance¹⁶
• Auto Rental Collision/Loss Damage Waiver Insurance¹⁶
• Delayed Baggage Insurance¹⁶
• Hotel/Motel Burglary Insurance¹⁶
• Purchase Security and Extended Warranty Insurance¹⁶

Please refer to your Certificate of Insurance for detailed coverage information or contact us at 1-800-533-2778 if you have any specific questions in mind.

New cardholders of the American Express^® Aeroplan^®* Reserve Card can earn up to 85,000 Aeroplan points

• • Earn 60,000 points after spending $7,500 on your Card within your first 3 months of Cardmembership
    
  • Plus, earn an additional 25,000 Aeroplan points when you spend $2,500 in the 13th month
  • Earn up to $4,400 in value within your first 13 months. When you combine the welcome bonus offer of up to $1,700 in value with your earning potential from normal and accelerated spending categories offering approximately $1,760 and the $1,000 in value you get with exceptional benefits, you can earn up to $4,400 or more in value within your first 13 months. Terms and usage assumptions apply.

• Notice: As of Jan 12, 2027, the American Express^® Aeroplan^®* Reserve Card annual fee will increase to $799. Annual fees charged on or after this date will reflect the new fee. The Additional Aeroplan^®* Reserve Card annual fee will increase to $249. The Additional Aeroplan^®* Reserve No Fee Card will be renamed to the Additional Aeroplan^®* Reserve Companion Card and the annual fee will increase to $25. Learn more about new benefits.

Card features

• Cardmembers can now get an extra night free for every 3 hotel nights redeemed with Aeroplan points. Enjoy even more at over 300,000 hotel properties worldwide
• Highest Air Canada earn rate on an Aeroplan payment card in Canada: Earn 3X the points on eligible purchases made directly with Air Canada^®* and Air Canada Vacations^®*
• Standard Earn Rate: Earn 2X the points on eligible Dining and Food Delivery purchases in Canada and earn 1.25X the points on everything else
  
• Get through the airport quicker with Air Canada Priority Check-In, Air Canada Priority Boarding and Air Canada Priority Baggage Handling
• Enjoy access to select Air Canada Maple Leaf Lounges^™* and Air Canada Café^™ in North America for you and a guest, with a same day ticket on a departing Air Canada^®* or Star Alliance^®* flight
• Enjoy your eligible first checked bag free for up to 9 people travelling on the same reservation on Air Canada flights
• Get a 10% Head Start. Starting in 2027, eligible Basic Cardmembers with Aeroplan Elite^TM* Status will receive a 10% head start toward qualification, based on Status Qualifying Credits (SQC) accumulated the year before. Roll over any unallocated unused eUpgrade Credits to the following year to enjoy during your travels
• Get access with your American Express^® Aeroplan^®* Reserve Card to more than 1,200 Priority Pass airport lounges That means an oasis of comfort before your flight—regardless of your choice of airline or cabin class
• Receive up to $100 CAD in statement credits every four years when a NEXUS application or renewal fee is charged to your American Express Aeroplan Reserve Card
• Receive one Annual Worldwide Companion Pass when you spend $25,000 in net purchases prior to your Card anniversary date; your Pass entitles you to buy an accompanying Air Canada economy class ticket for a companion at a fixed base fare from $99 to a maximum of $599 CAD (plus taxes, fees, charges, and surcharges)
• Amex Experiences^TM opens doors for you to access a number of special events, including special dining experiences, VIP parties, advance film screenings and more
• Get more from your travel experience at Toronto Pearson International Airport with:
  • Access to Pearson Priority Security Lane
  • Complimentary valet service at the Express Park and Daily Park
  • 15% discount on parking rates at the Express Park and Daily Park
  • 15% discount on Auto Care services
• American Express^® Aeroplan^®* Reserve Card is made from precision cut and engraved 13 g metal – it’s the perfect companion on your next exceptional journey
• Insurance Coverage: whether you’re shopping nearby or travelling abroad, you can feel confident knowing you can be taken care of

Apply with confidence!

• See if you’ll be approved before you apply – with no impact to your credit score.*
• When applying for a new card, businesses will typically run a “hard check” of your credit report. A hard credit check can cause a temporary impact to your credit score.
• Unlike many lenders, for American Express’ personal cards, you can see if you will be approved before you apply without impacting your credit score
• A soft credit check is a check into your credit report initiated either by you or a company even if you didn’t apply for credit. It is primarily used to screen for pre-approval financing offers or for a background check
• Available for American Express personal cards, we’ll let you know your eligibility with no impact to your credit score, so you can submit your application with confidence.*

*Instant decisions are only available for Consumer (also known as Personal) Card applications.

Up to $3,300 in value^† including up to 100,000 Aeroplan points^† and additional travel benefits could be yours. Conditions Apply.

• Earn a welcome bonus of 20,000 Aeroplan points when you make your first Purchase with your new Card^†
• Earn an additional 30,000 Aeroplan points when you spend $12,000 within 180 days of Account opening^†
• Plus, earn a one-time anniversary bonus of 50,000 Aeroplan points when you spend $24,000 within 12 months of Account opening^†

Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer unless otherwise indicated.

Additional Travel Benefits:

• Apply for the NEXUS program membership and once every 48 months get a partial application fee rebate (up to $100 CAD per eligible cardholder)^†.
• Share free first checked bags for you and up to 8 travel companions^† and get unlimited access to Maple Leaf Lounges^† including complimentary access for one guest.
• Plus, cardholders get 6 complimentary worldwide select airport lounge visits annually through the Visa Airport Companion Program^†

Welcome offer: Get up to $2,400 in value* including 70,000 VIPorter points and a round-trip companion pass.* Plus receive $1,000 in Qualifying Spend, and pay no annual fee in your first year.*

• Earn 3 points for every $1 spent on Porter purchases*
• Earn 2 points for every $1 spent on gas and transportation
• Earn 2 points for every $1 spent on groceries and dining
• Earn 2 points for every $1 spent on hotel accommodations
• Earn 1 point for every $1 spent everywhere else

Benefits

• Automatically become an Avid Traveller (VIPorter Venture)
• One round-trip companion pass per year^†
• 1 complimentary checked bag*
• 1 complimentary carry-on bag on all Porter fare types*
• Free PorterClassic seat selection*
• Priority security*
• Priority re-accommodation for flight delays*
• Dedicated check-in*
• Early boarding*
• No expiration of VIPorter points.
• Earn $1 of qualifying spend for every $25 spent*

*This benefit applies to up to 8 companions travelling on the same booking

Travel insurance

• 21-day out-of-province or country emergency medical insurance
• Trip Cancellation/Interruption/Delay insurance
• Car rental-collision/loss damage insurance
• Common carrier insurance
• Flight Delay Insurance
• Baggage insurance
• Hotel burglary insurance

Purchasing insurance

• Shop confidently with an extended warranty and purchase protection

Other Benefits

• Enjoy six months of Instacart+ and a $10 monthly Instacart credit when you enroll your eligible BMO Credit Card.*
• Complimentary membership in Mastercard Travel Pass provided by DragonPass. As a member enjoy lounge access for a fee of just US$32 per person, per visit. Registration is required. Visit the Mastercard Travel Pass website or use the Mastercard Travel Pass mobile application to register
• Save up to 20% on National Car Rental^® and Alamo Rent A Car^® and up to 5% on Enterprise Rent-A-Car^® at locations worldwide using the Car Rental Booking tool
• Discover a world of Mastercard Travel Rewards cash back offers when you shop, dine and relax with our partners outside of Canada.
• Get 20% off admission to Cirque du Soleil shows touring Canada and 15% off resident shows in Las Vegas
• Save up to 7% on your Booking.com prepaid hotel or property rental bookings at booking.com/mastercardcanada
• Access valuable benefits and offers for digital everyday services from a variety of on-demand apps and subscription services.

Welcome offer: Get up to $1,800 in value, including 40,000 VIPorter points and a 35% off flight voucher^†. Plus, the annual fee is waived in the first year^†.

• Earn 2 points for every $1 spent on Porter purchases
• Earn 1 point for every $1 spent on gas and transportation
• Earn 1 point for every $1 spent on groceries and dining
• Earn 1 point for every $1 spent on hotel accommodations
• Earn 0.5 points for every $1 spent everywhere else

Benefits

• Automatically become an Avid Traveller (VIPorter Passport)
• Priority re-accommodation for flight delays*
• Dedicated check-in*
• Early boarding*
• No expiration of VIPorter points.
• Earn $1 of qualifying spend for every $25 spent*

*This benefit applies to up to 8 companions travelling on the same booking

Travel insurance

• 8-day out-of-province or country emergency medical insurance
• Car rental-collision/loss damage insurance
• Common carrier insurance
• Flight Delay Insurance
• Baggage insurance
• Hotel burglary insurance

Purchasing insurance

• Shop confidently with an extended warranty and purchase protection

Other Benefits

• Enjoy three months of Instacart+ and a $5 monthly Instacart credit when you enroll your eligible BMO Credit Card.*
• Save up to 20% on National Car Rental^® and Alamo Rent A Car^® and up to 5% on Enterprise Rent-A-Car^® at locations worldwide using the Car Rental Booking tool
• Get 20% off admission to Cirque du Soleil shows touring Canada and 15% off resident shows in Las Vegas
• Save up to 7% on your Booking.com prepaid hotel or property rental bookings at booking.com/mastercardcanada
• Get even more benefits: You may qualify for the BMO VIPorter World Mastercard tier of this card – which has the same fees and rates, but also includes experiences available only to World Mastercard cardholders.*

Welcome Offer and Renewal

Earn up to 25,000 miles, including a welcome bonus and an annual renewal bonus.

Welcome Bonus — up to 20,000 MileagePlus miles

• 5,000 miles on card activation and first transaction
• Additional 15,000 miles when you spend $3,000 net of refunds within 3 months of application

Renewal bonus

• 5,000 miles per year when the account remains open and active with eligible spend within 365 days

Mile Earn Rates

• 1.25 miles per $1 on United and Star Alliance flights
• 1 mile per $1 on dining and groceries
• 0.75 miles per $1 everywhere else
• Bonus miles via the Neo merchant partner network of over 10,000 Neo merchant partners

Benefits of the card

• Free First checked bag: Your first checked bag is covered on all your United-operated flights.
• Priority Boarding — Group 2: Be among the first to board with Group 2 priority boarding for you and your family.
• Nexus application fee credit: Up to $120 USD reimbursed every 5 years for a new Nexus application or renewal. Nexus allows for expedited border crossing between Canada and the United States.
• Star Alliance Global Network: Earn and redeem MileagePlus miles on United Airlines and over 25 Star Alliance partner airlines worldwide, including Air Canada and Lufthansa.

World Elite Mastercard Benefits

• Mastercard Zero Liability
• Mastercard Global Service
• Mastercard Travel Pass (DragonPass): Access to over 1,400 airport lounges worldwide through the Mastercard Travel Pass program provided by DragonPass. Membership is included; per-visit fees apply.

Insurance

• Emergency medical insurance
• Comprehensive Travel Insurance
• Extended Warranty and Purchase Protection
• Car Rental Collision and Damage Insurance

Chubb travel insurance is not offered in Quebec.

Maximize your travel: earn more miles on every flight

When you book a United flight, you earn miles as a MileagePlus member—but as a cardholder, you earn even more. You receive the miles awarded by United for your flight, plus the miles you earn by paying with your card.

Your earnings add up, allowing you to build your miles balance significantly faster than non-cardholders each time you travel.

Get more value from your miles

As a United cardholder, your miles are worth more—and give you access to more options.

You automatically receive at least a 10% discount on award flights (and 15% if you hold Premier status), allowing you to use fewer miles for the same trip.

In addition, you gain access to exclusive availability on Saver Award fares, including premium-cabin seats such as Polaris^® business class, which are not always available to non-cardholders.

In practical terms, this means:

• You spend fewer miles on your flights
• You gain access to better seats and more options
• You can book travel experiences that are unavailable to other members

Earn 50,000 Aviosˆ with the RBC^® British Airways Visa Infinite‡ Card

Here is how to earn 50,000 bonus Aviosˆ:

• Earn 50,000 Avios when you spend a minimum of $6,000 CAD in the first 3 months of account opening.

Benefits:

• Earn 3X Avios for all purchases made with British Airways and BA Holidays*
• Earn 2X Avios per Canadian dollar on dining and food delivery*
• Earn 1 Avios per Canadian dollar on eligible net purchases*
• Earn a companion voucher when you spend $30,000 CAD in a year. Invite a companion or travel alone and enjoy a 50% discount on the Avios price of your reward flight. You can also pay a low flat fee to cover taxes, fees, and carrier charges, along with a fixed amount of Avios, when you book your trip.˜
• 10% discount on British Airways flights when booking and paying with your card∞
• Redeem your Avios for flights with British Airways and oneworld network partner airlines**
• Comprehensive insurance coverage, including 31-day out-of-province/country emergency medical insurance¹, flight delay insurance², hotel burglary insurance³, and rental car insurance⁴. Additionally, eligible purchases made with the card are protected³.
• Premium Visa Infinite benefits⁵, such as skip-the-line access for events as well as dining and hotel privileges through www.visainfinite.ca
• 24/7 Concierge Service⁵
• Link your RBC card to your Petro-Points card and instantly save 3¢ per litre on fuel at Petro-Canada stations, plus always earn 20% more Petro-Points and 20% more Avion Rewards points
• Link your RBC British Airways Visa Infinite Card to a Rexall Be Well account and earn 50 Be Well points for every dollar spent on eligible products at Rexall. Redeem Be Well points faster to save on in-store purchases, as 25,000 Be Well points = $10
• Get a complimentary DashPass subscription from DoorDash for up to 12 months, a value of up to $120. Enjoy unlimited deliveries with $0 delivery fees on orders of $15 or more when you pay with your eligible RBC credit card±