Best Credit Cards with Insurance in Canada - November 2026

Earn up to $1,400 in value^†, including up to 160,000 TD Rewards Points, receive an Annual Fee rebate for the first year^† and additional travel benefits. Conditions Apply.

• Earn a welcome Bonus of 20,000 TD Rewards Points when you make your first Purchase with your Card^†
• Earn 140,000 TD Rewards Points when you spend $7,500 within 180 days of Account opening^†
• Get an Annual Fee Rebate for the first year^†
• Get an annual TD Travel Credit^† of $100 when you book at Expedia^® For TD.
• Earn a Birthday Bonus of up to 10,000 TD Rewards points^†.
• Enjoy your time at the airport with global airport lounge access and 4 complimentary lounge visits with Visa Airport Companion Program (a value of up to $277)^†.

To receive the first-year Annual Fee Rebate for the Primary Cardholder, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening. To receive the Additional Cardholder(s) first-year Annual Fee Rebate, you must add your Additional Cardholder(s) while the 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Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer unless otherwise indicated.

Get up to 70,000 Avion points¹ – a travel value of up to $1,500!^† Apply by November 25, 2026.

Points and Rewards

• Earn 1.25 Travel points on travel-related purchases¹²
• Earn 1 Avion point on all other eligible purchases²
• Use your Travel points to book flights anytime with more than 500 airlines. There are no blackout periods or seat restrictions, even during peak season^{^}!

Get Extensive Insurance

• Enjoy more peace of mind with enhanced coverage like unlimited emergency medical insurance⁹, travel accident insurance⁷, trip cancellation insurance⁷, mobile device insurance⁷, and more.

Book Any Flight

• Use your Avion points to book any flight, anytime, on over 500 airlines. No blackouts or seat restrictions, even during peak season^†!

Book Flights for Maximum Value

• Make your Avion points go further with the Air Travel Redemption Schedule, which offers fixed point pricing 365 days a year^†.

Save at Petro-Canada

• Link your cards and instantly save 3¢/L on fuel⁴ and earn 20% more Petro-Points⁵ and Avion points6 at Petro-Canada

Earn more Be Well points at Rexall

• Link your RBC Credit Card and earn 50 Be Well^™ points on every $1 spent on eligible purchases at Rexall13

DoorDash

• Add your credit card to your DoorDash account and get a free 12 monthly DashPass subscription¹⁶

Hertz

• Get up to 20% off at Hertz¹⁰

Get insurance coverage for travel and more⁷.

• Out of Province/Country Emergency Medical Insurance
• Travel Accident Insurance
• Auto Rental Collision/Loss Damage Waiver Insurance
• Trip Cancellation & Trip Interruption Insurance
• Delayed Baggage and Flight Delay Insurance
• Hotel/Motel Burglary Insurance
• Purchase Security & Extended Warranty Insurance
• Mobile Device Insurance up to $1500⁷

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.

Earn up to $1,350 in first year welcome offers, rewards and savings^*, including up to 45,000 bonus Scene+ points¹

• Earn 3x Scene+ points¹ for every $1 you spend at Sobeys, Safeway, IGA, Foodland, participating Co-ops and more
• Earn 2x Scene+ points¹ for every $1 you spend on other eligible grocery stores, dining, eligible entertainment purchases and eligible daily transit options (including rideshares, buses, subways, taxis and more)
• Plus earn 1 Scene+ point for every $1 spent on all other eligible everyday purchases.
• Earn additional benefits + up to 4X Scene+ points for every dollar you spend on hotel bookings, car rentals, and things to do with Scene+ Travel, Powered by Expedia.
• No Foreign Transaction Fee
• 6 Complimentary Airport Lounge Access
• Comprehensive Travel Insurance coverage
• Visa Infinite* Concierge Services
• Visa Infinite* Hotel Collection
• Visa Infinite* Dining and Wine Country Program
• Travel with confidence using 10GB of free GigSky global mobile data for 15 days with unlimited Travel Essentials by GigSky for essential travel apps
• Get up to 10¢/L in value on fuel purchases at Shell with your card linked to a Shell Go+ Account (instant discounts and Scene+ points value; the maximum assumes a V-Power premium fuel purchase and includes a promotional 4¢/L discount available until June 1, 2027)
• Limited time: until December 31, 2026, get an additional 3¢/L off at Shell when you pay with your linked card in Ontario, British Columbia, Alberta, Saskatchewan, Manitoba and the Northwest Territories (excluding Shell Flying J locations)

Rates, fees and other information are effective as of Aug 4, 2026. Subject to change.

Get up to $1,900 in value, including up to 115,000 points, up to $200 in Instacart benefits, the Mastercard Travel Pass program and 4 complimentary airport lounge passes, the statement credit for NEXUS and the annual fee waived in the first year for the primary cardholder and authorized users.*

Plus, get 0% introductory interest rate on Balance transfers for 12 months with a 2% transfer fee.*

• 5x the points for every dollar spent on eligible travel*, 3x the points for every dollar spent on eligible restaurant dining*, entertainment and eligible recurring bill payments*, 1 point for every dollar spent in other purchase categories*
• Free membership to the Mastercard Travel Pass app provided by DragonPass*, and four complimentary passes per year*
• Extended Warranty* and Purchase Protection*
• BMO Ascend^™ World Elite^®* Total Travel and Medical Protection:
  Get Collision Damage Waiver benefits on rental cars, 21 days of Out-of-Province/Out-of-Country Emergency Medical coverage of up to $5 million, and more.*
• Up to $200 Instacart benefit*

Earn up to $1,100 in welcome offers, first year rewards and savings value, including up to 65,000 bonus Scene+ points¹.

• Earn 6x Scene+ points¹ for every dollar spent at Sobeys, Safeway, Freshco, Foodland and more.
• Earn 5x Scene+ points¹ for every dollar spent on dining, food delivery and other eligible grocery stores. Includes popular food delivery and food subscriptions.
• Earn 5x Scene+ points¹ for every dollar spent on eligible entertainment in Canada. Includes cinemas, theatres and ticket agencies.
• Earn 3x Scene+ points¹ for every Canadian dollar spent in Canada on gas and daily transit. Includes rideshares, buses, subway, taxis and more.
• Earn 3x Scene+ points¹ for every Canadian dollar spent in Canada on select eligible streaming services.
• Plus earn 1 Scene+ point for every $1 spent on all other eligible everyday purchases.
• Earn additional benefits + up to 4X Scene+ points for every dollar you spend on hotel bookings, car rentals, and things to do with Scene+ Travel, Powered by Expedia.
• No Foreign Transaction Fee
• Comprehensive Travel Insurance coverage
• AMEX Offers^®
• American Express^® Front Of The Line^®
• American Express Invites^®
• Complimentary Concierge Services
• Get up to 12¢/L in value on fuel purchases at Shell with your card linked to a Shell Go+ Account (instant discounts and Scene+ points value; the maximum assumes a V-Power premium fuel purchase and includes a promotional 4¢/L discount available until June 1, 2027)
• Limited time: until December 31, 2026, get an additional 3¢/L off at Shell when you pay with your linked card in Ontario, British Columbia, Alberta, Saskatchewan, Manitoba and the Northwest Territories (excluding Shell Flying J locations)

Rates, fees and other information are effective as of July 2, 2026. Subject to change.

• In your first year as a new Cobalt Cardmember, you can earn 1,250 Membership Rewards^® points for each monthly billing period in which you spend $750 in net purchases on your Card. This could add up to 15,000 points in a year. That’s up to $150 towards a weekend getaway or concert tickets

Card features

• Earn 5X the points on eligible eats and drinks in Canada, including groceries and food delivery. Spend cap applies.
• Earn 3X the points on eligible streaming subscriptions in Canada
• Earn 2X the points for eligible gas, public transit and ride sharing purchases in Canada
• Earn 1 additional point on eligible hotel and car rental bookings via American Express Travel Online
• Earn 1X point for every $1 in Card purchases everywhere else
• Fees: $15.99/month (Equals $191.88 annually) for non-Quebec residents. $191.88/year for Quebec residents.
• Enjoy access to hotel bookings, a room upgrade (when available), 12pm check-in and late check-out (when available), and up to $100 USD hotel credit to use on amenities when charged to the room for a stay of 2 or more consecutive nights through The Hotel Collection from American Express Travel
• Transfer points 1:1 to several frequent flyer and other loyalty programs
• Access Front Of The Line^® Amex^TM Presale & Reserved Tickets to some of your favourite concerts and theatre performances and special offers and events curated for Cardmembers with Amex Experiences^TM

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.

Earn 10% cash back on all purchases for the first 3 months (up to $2,000 in total purchases, that’s up to $200)¹. Plus, get a 0% introductory interest rate on balance transfers for the first 12 months (2% fee per cash advance, 22.99% after that). And, no annual fee in the first year, including on additional cards¹.

• No annual fee in the first year, including on additional cards¹
• 4% for every $1 you spend on grocery store purchases, recurring bill payments and subscription purchases.
• 2% for every $1 you spend on gas and daily transit purchases
• 1% cash back on all other purchases with no cashback limit
• Visa Infinite* Concierge Services
• Visa Infinite* Hotel Collection
• Visa Infinite* Dining and Wine Country Program
• Comprehensive Travel Insurance & New Mobile Device Insurance coverage
• New 2% Cash Back earn category: You will earn 2% on all eligible purchases of Food Delivery¹.
• New Cash Back Anytime feature: Redeem your cash back that you’ve earned whenever you need it, through the Scotia app or Scotia Online ($25.00 minimum redemption)¹.
• Get up to 7¢/L in value on fuel purchases at Shell with your card linked to a Shell Go+ Account (instant discount, cash back and Scene+ points value; the maximum assumes a premium fuel purchase with your Scene+ account also linked to Shell Go+)
• Limited time: until December 31, 2026, get an additional 3¢/L off at Shell when you pay with your linked card in Ontario, British Columbia, Alberta, Saskatchewan, Manitoba and the Northwest Territories (excluding Shell Flying J locations)

Rates, fees and other information are effective as of July 2, 2026. Subject to change.

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^†

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.