Earn points for flights, hotels, and experiences. Compare travel rewards, airport lounge access, and travel insurance benefits.
It comes with a welcome bonus of 120,000 pts. You earn 1.25x on groceries and 1.25x at restaurants. Estimated first-year value is $2,351.
Annual Fee
$799
Rewards rate
1.25x
American Express Membership Rewards
Welcome Bonus
120,000 pts
1st Year Value
$2,351
It comes with a welcome bonus of 100,000 pts. You earn 1.5x on groceries and 1.25x at restaurants. Estimated first-year value is $2,283.
Annual Fee
$599
Rewards rate
1.25x
Aeroplan
Welcome Bonus
100,000 pts
1st Year Value
$2,283
It comes with a welcome bonus of 90,000 pts. You earn 1.25x on groceries and 1.25x at restaurants. Estimated first-year value is $2,226.
Annual Fee
$599
Rewards rate
1.25x
Aeroplan
Welcome Bonus
90,000 pts
1st Year Value
$2,226
It comes with a welcome bonus of 75,000 pts. You earn 1x on groceries and 1.5x at restaurants. Estimated first-year value is $2,215.
Annual Fee
$180
Rewards rate
1x
Aeroplan
Welcome Bonus
75,000 pts
1st Year Value
$2,215
It comes with a welcome bonus of 100,000 pts. You earn 1x on groceries and 2x at restaurants. Estimated first-year value is $2,170.
Annual Fee
$799
Rewards rate
1x
American Express Membership Rewards
Welcome Bonus
100,000 pts
1st Year Value
$2,170
It comes with a welcome bonus of 85,000 pts. You earn 1.5x on groceries and 1.5x at restaurants. Estimated first-year value is $2,161.
Annual Fee
$599
Rewards rate
1.25x
Aeroplan
Welcome Bonus
85,000 pts
1st Year Value
$2,161
It comes with a welcome bonus of 85,000 pts. You earn 1.25x on groceries and 2x at restaurants. Estimated first-year value is $2,130.
Annual Fee
$599
Rewards rate
1.25x
Aeroplan
Welcome Bonus
85,000 pts
1st Year Value
$2,130
It comes with a welcome bonus of 60,000 pts. You earn 2x on groceries and 1x at restaurants. Estimated first-year value is $1,609.
Annual Fee
$250
Rewards rate
1x
American Express Membership Rewards
Welcome Bonus
60,000 pts
1st Year Value
$1,609
It comes with a welcome bonus of 45,000 pts. You earn 1.5x on groceries and 1x at restaurants. Estimated first-year value is $1,603.
Annual Fee
$139
Rewards rate
1x
Aeroplan
Welcome Bonus
45,000 pts
1st Year Value
$1,603
It comes with a welcome bonus of 45,000 pts. You earn 1.5x on groceries and 1x at restaurants. Estimated first-year value is $1,603.
Annual Fee
$139
Rewards rate
1x
Aeroplan
Welcome Bonus
45,000 pts
1st Year Value
$1,603
Complete Guide
Earn points for flights, hotels, and experiences. Compare travel rewards, airport lounge access, and travel insurance benefits.
Travel credit cards earn points that can be redeemed for flights, hotels, car rentals, and experiences. The best travel cards offer 2–5x the value per point compared to cash back, making them ideal for frequent travellers.
Some cards earn points in a specific airline program (Aeroplan, WestJet), while others earn flexible points (Amex MR, CIBC Aventura) transferable to multiple programs. Flexible points offer more redemption options.
Premium travel cards include trip cancellation, medical insurance, baggage coverage, and flight delay protection — potentially saving you hundreds on separate travel insurance policies.
39
Cards analyzed
May 2026
Last updated
100%
Independent
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.
FAQ
The American Express Cobalt is consistently rated #1 for its 5x points on food/drink and flexible transfer partners. For Aeroplan specifically, the TD Aeroplan Visa Infinite is excellent.
Generally yes. The best travel cards ($120–$800/yr) offer welcome bonuses, insurance, and earn rates that far exceed the fee. First-year fee waivers are common.
Aeroplan (Air Canada) has the best airline coverage. Amex Membership Rewards offers the most flexibility with transfer partners. Scene+ is best for everyday rewards.
Compare the best credit cards in Canada or calculate which card's rewards actually fit your budget.
Cash Back
No Fee
Students
Groceries
Restaurants
No FX Fee
1st Yr Free
Balance Transfer
Lounges
Aeroplan
PC Optimum
Scene+
Amex Membership Rewards
CIBC Aventura
RBC Avion
BMO Rewards
TD Rewards
WestJet Rewards
Marriott Bonvoy
RBC
CIBC
Scotiabank
BMO
American Express
TD
MBNA
National Bank
Neo Financial
Capital One
Desjardins
Tangerine
Rogers Bank
Laurentian Bank
Visa
Mastercard
Amex (network)
