Canada's Best Travel Credit Cards 2022

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Compare and find the best travel credit card in 2018 that matches your lifestyle. Travel cards provide loyalty points that can be redeemed for hotel reservations, airfare, rental cars, cruises and tours. Use our proprietary estimate engine to analyze the travel points formulas and interest rates for each credit card. By inputing your estimated monthly costs in our rewards calculator you can easily calculate the value each travel credit card provides to you.

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36 CARDS The total number of credit card results available for this search	Annual Fees The amount of money charged to you each year to use the card	Rewards Rate The rewards rate your credit card receive for purchases made with your card	Bonus Offer The bonus offer available when you apply for this card	YOUR ESTIMATED NET ANNUAL REWARDS The annual reward earnings, minus the average annual fee (fee / years), plus the average annual value of the signing bonus (bonus / years)
Blue SkyFeatured
Review	$0 no fee	1.25  points per $1	10,000  Blue Sky points	Net Rewards $325 Apply Now on American Express's secure website
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Offer Summary New Blue Sky Credit Card Cardmembers, earn 10,000 Blue Sky® Points after you charge $500 in purchases to your Card in your first three months of Cardmembership. Earn 1.25 Blue Sky Points for every $1 in purchases charged to the Card You can start redeeming with as little as 10,000 points towards any travel purchase charged to your Card Enjoy the convenience of no blackout dates, no advance purchase requirements, no seat restrictions and no travel restrictions. $100,000 Travel Accident Insurance Free supplementary card You can use Apple Pay on your eligible device to pay for goods and services at participating American Express... See all details for the Blue Sky Card Card Facts Network: Institution: American Express Type: Fees & Interest Purchase Interest Rate: 19.99% Cash Advance Interest Rate: 22.99%% Balance Transfer Interest Rate: % First Year Annual Fee: $0 Annual Fee After First Year: $0 Eligibility Personal Income: $15000 Household Income: $0 Credit Needed: Good
American Express® AIR MILES® PlatinumFeatured
Review	$65 per year	1  mile per $15	2,000  Air Miles	Net Rewards $277 Apply Now on American Express's secure website
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Offer Summary New American Express® AIR MILES® Platinum Credit Card Cardmembers, earn a bonus of 2,000 AIR MILES®* Reward Miles when you charge a total of $1,500 in purchases to your Card within your first three months of Cardmembership. That's enough for a select flight. Earn 1 reward mile for every $10 in Card purchases at AIR MILES® Sponsors Earn 1 reward mile for every $10 in Card purchases at other eligible grocery stores, gas stations, and drugstores in Canada Plus, earn 1 reward mile for every $15 in Card purchases everywhere else Shop at participating AIR MILES Sponsors across Canada with your Card and show your... See all details for the American Express® AIR MILES® Platinum Card Card Facts Network: Institution: American Express Type: Fees & Interest Purchase Interest Rate: 19.99% Cash Advance Interest Rate: 22.99%% Balance Transfer Interest Rate: 1.99%% First Year Annual Fee: $65 Annual Fee After First Year: $65 Eligibility Personal Income: $15000 Household Income: $0 Credit Needed: Very Good
American Express® AIR MILES® Gold BusinessFeatured
Review	$0 no fee	1  mile per $1	30,000  Welcome bonus points	Net Rewards $105
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Offer Summary Earn a Welcome Bonus of 30,000 points when you charge $5,000 in purchases to your Card in your first three months of Cardmembership. You and any Supplementary Cardmembers added to your account pay no annual fee for the first year of Cardmembership. Earn 1 point for every dollar in purchases charged to the Card. Plus, there is an easy, convenient way to get more out of your Membership Rewards® points - simply charge an eligible purchase to your card. Then you can reedeem points for a statement credit. You can maximize your cash flow with up to 55 interest free days. Use the Card throughout the... See all details for the American Express® AIR MILES® Gold Business Card Card Facts Network: Institution: American Express Type: Fees & Interest Purchase Interest Rate: 19.99% Cash Advance Interest Rate: 21.99%% Balance Transfer Interest Rate: 21.99%% First Year Annual Fee: $0 Annual Fee After First Year: $0 Eligibility Personal Income: $ Household Income: $ Credit Needed:
American Express® AIR MILES® for BusinessFeatured
Review	$180 per year	1  mile per $1	2,000  on purchases 1st 3 months	Net Rewards $-59
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Offer Summary Earn a bonus of 2,000 AIR MILES®* Reward Miles when you charge a total of $5,000 in purchases to your Charge Card within your first 3 months of Cardmembership. You can maximize your cash flow with up to 55 interest-free days2 and enjoy purchasing power that adjusts dynamically with Card usage. You can benefit from an exclusive 25% discount on business rewards when you redeem AIR MILES Reward Miles from your Dream balance for rewards from the AIR MILES For Business Rewards catalogue, an online catalogue designed especially with the small business owner in mind. Earn 1 AIR MILES Reward Mile for every $10 in Card... See all details for the American Express® AIR MILES® for Business Card Card Facts Network: Institution: American Express Type: Fees & Interest Purchase Interest Rate: 30% Cash Advance Interest Rate: % Balance Transfer Interest Rate: % First Year Annual Fee: $180 Annual Fee After First Year: $180 Eligibility Personal Income: $ Household Income: $ Credit Needed:
World Elite Mastercard National Bank
Review	$150 1st year free, $150 after	2.5  cash back on all purchases	3.5  points on Travel	Net Rewards $0 Apply Now on National Bank's secure website
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Offer Summary From August 6 to November 11, 2018, you can earn 25% more points or cashback (as applicable) when you buy gas at our partner Ultramar. Earn up to 2.5 points on ALL card purchases* without restrictions! Get up to 3.5 points for each dollar you spend on flights and vacation packages at the online travel agency. — À la carte Travel — powered by Transat. Up to $250 in Elite traveller fee rebates! Out-of-province-of-residence medical/hospital insurance Trip cancellation/interruption, flight delay and baggage inssurance Rental vehicle insurance Travel assistance service Purchase protection in case of theft or damage Extended Warranty ... See all details for the World Elite Mastercard National Bank Card Card Facts Network: Institution: National Bank Type: Fees & Interest Purchase Interest Rate: 19.99% Cash Advance Interest Rate: 22.99%% Balance Transfer Interest Rate: 22.99%% First Year Annual Fee: $0 Annual Fee After First Year: $150 Eligibility Personal Income: $80000 Household Income: $150000 Credit Needed: Excellent
American Express® Platinum
Review	$699 per year	1.25  points per $1	50,000  Bonus rewards points	Net Rewards $26 Apply Now on American Express's secure website
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Offer Summary New Platinum Card® Cardmembers, earn 50,000 Bonus Membership Rewards® points by spending $3,000 in purchases in the first three months of Cardmembership. Platinum members earn 1.25 Membership Rewards® points for every dollar in purchases charged to the Card and automatically enrolled in the Membership Rewards First™ Tier. You will have access to a $200 CAD Annual Travel Credit to use towards any single travel booking of $200 or more charged to your Platinum Card and made on www.americanexpress.ca/travel or through Platinum Card® Travel Service. Relax in over 1,100 airport lounges worldwide. Enjoy access to the following partner lounges and benefits: Canadian Platinum Lounge Benefit, Delta Sky... See all details for the American Express® Platinum Card Card Facts Network: Institution: American Express Type: Fees & Interest Purchase Interest Rate: 30% Cash Advance Interest Rate: 3.00%% Balance Transfer Interest Rate: % First Year Annual Fee: $699 Annual Fee After First Year: $699 Eligibility Personal Income: $ Household Income: $0 Credit Needed:
Scotiabank® Platinum American Express
Review	$399 per year	4  points per $1 up to 100K	30,000  bonus points on 1st purchase	Net Rewards $105
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Offer Summary Earn 30,000 bonus points upon your first purchase within 60 days of your account open date Redeem for travel anywhere, anytime, with no travel restrictions. Use your points to purchase travel online or over the phone through Scotiabank's full-service travel agency. Or book your own travel using your card and go online to redeem points for the purchase Receive discounts and other special offers on hotels, airfare, car rentals, cruises and vacation packages Comprehensive Travel Insurance Premium Concierge Services Access to Priority Pass Lounges worldwide VIP Pass for exclusive access to global events Complimentary Hertz #1 Club Gold Membership See all details for the Scotiabank® Platinum American Express Card Card Facts Network: Institution: Scotiabank Type: Fees & Interest Purchase Interest Rate: 19.99% Cash Advance Interest Rate: 22.99%% Balance Transfer Interest Rate: 22.99%% First Year Annual Fee: $399 Annual Fee After First Year: $399 Eligibility Personal Income: $ Household Income: $ Credit Needed:
Scotiabank VISA Business
Review	$75 per year	1%  cash back on all purchases	N/A	Net Rewards $105
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Offer Summary The annual fee for Scotiabank VISA Business Cards is based on the type of card (Gold or Silver) and the currency (CAD or USD) you select to suit your cardholder and business needs. CAD Program Silver $75 CAD Gold $105 CAD USD Program Silver $75 USD Gold $105 USD With our Canadian dollar program, your business will receive up to 1% cash back annually per card based on spending levels. The cash goes directly into your Business Account. There's no limit to the rewards you can earn and how you spend the cash back is up to you. The Scotiabank VISA Business Card program helps... See all details for the Scotiabank VISA Business Card Card Facts Network: Institution: Scotiabank Type: Fees & Interest Purchase Interest Rate: 19.8% Cash Advance Interest Rate: 19.80%% Balance Transfer Interest Rate: 19.80%% First Year Annual Fee: $75 Annual Fee After First Year: $75 Eligibility Personal Income: $ Household Income: $ Credit Needed:
ScotiaGold Passport® VISA
Review	$110 per year	1  point per $1	5,000  Bonus points	Net Rewards $120
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Offer Summary Earn 5,000 bonus points with your first card purchase Travel anywhere, at any time of the year with no restrictions Comprehensive travel protection and insurance 5% cash back on travel purchased through Scotia Rewards, book online or by phone Concierge Service Merchandise, gift card and other rewards available See all details for the ScotiaGold Passport® VISA Card Card Facts Network: Institution: Scotiabank Type: Fees & Interest Purchase Interest Rate: 19.99% Cash Advance Interest Rate: 22.99%% Balance Transfer Interest Rate: 22.99%% First Year Annual Fee: $110 Annual Fee After First Year: $110 Eligibility Personal Income: $35000 Household Income: $ Credit Needed: Very Good
BMO AIR MILES MasterCard
Review	$0 no fee	2  miles per $20	500  Bonus Air Miles	Net Rewards $140 Apply Now on Bank of Montreal's secure website
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Offer Summary Get 500 AIR MILES Bonus Miles Then get 1 AIR MILES reward mile for every $20 in purchases Get a 1.99% introductory interest rate on Balance Transfers for 9 months*, 1% fee applies to balance amounts transferred. Double Dip at AIR MILES sponsored locations No Annual fee Receive a discount on car rentals Extended Warranty Purchase Protection BMO is not responsible for maintaining the content on this site. Please click on the Apply now link for the most up to date information Terms and conditions apply See all details for the BMO AIR MILES MasterCard Card Card Facts Network: Institution: Bank of Montreal Type: Fees & Interest Purchase Interest Rate: 19.99% Cash Advance Interest Rate: 22.99%% Balance Transfer Interest Rate: 22.99%% First Year Annual Fee: $0 Annual Fee After First Year: $0 Eligibility Personal Income: $15000 Household Income: $0 Credit Needed: Good
Desjardins Elegance Gold Visa
Review	$30 per year	1  point per $1	N/A	Net Rewards $150 Apply Now on Desjardins's secure website
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Offer Summary Get 1% in BONUSDOLLARS on all purchases Exclusive advantage for Desjardins members: additional card for your spouse or family member at no charge Mobile Device Insurance 3-Day Travel Insurance Mobile Payment: pay for your purchases with a wave of your smartphone Zero liability in case of fraudulent use of your card Cash Advances up to $5,000 per day Up to 20% hertz discount See all details for the Desjardins Elegance Gold Visa Card Card Facts Network: Institution: Desjardins Type: Fees & Interest Purchase Interest Rate: 19.9% Cash Advance Interest Rate: 19.90%% Balance Transfer Interest Rate: 19.90%% First Year Annual Fee: $30 Annual Fee After First Year: $30 Eligibility Personal Income: $15000 Household Income: $0 Credit Needed: Good
TD® Aeroplan®Visa Infinite Privilege
Review	$399 per year	1.5  points per $1	25,000  Miles on your 1st purchase	Net Rewards $171 Apply Now on TD's secure website
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Offer Summary Receive a Welcome Bonus of 25,000 Aeroplan Miles with your first Purchase Earn 1.5 miles for every $1 you charge to your Card at gas stations, grocery and drug stores, and on eligible Air Canada purchases Earn 1.25 miles for every $1 you spend on all other Purchases on your Card Earn miles twice when you pay with your TD Aeroplan Visa Infinite Privilege Card and present your Aeroplan Membership Card at participating retailers and the Aeroplan eStrore Extensive suite of travel insurances Air Canada® 5 benefits such as: Priority Check-in on Air Canada flights (Primary Cardholder) Priority Boarding on Air Canada flights (Primary... See all details for the TD® Aeroplan®Visa Infinite Privilege Card Card Facts Network: Institution: TD Type: Fees & Interest Purchase Interest Rate: 19.99% Cash Advance Interest Rate: 22.99%% Balance Transfer Interest Rate: 22.99%% First Year Annual Fee: $399 Annual Fee After First Year: $399 Eligibility Personal Income: $200000 Household Income: $200000 Credit Needed: Excellent
American Express® Business Gold Rewards
Review	$250 1st year free, $250 after	1  point per $1	30,000  Welcome bonus points	Net Rewards $180
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Offer Summary Earn a Welcome Bonus of 30,000 points when you charge $5,000 in purchases to your Card in your first three months of Cardmembership. Earn 1 point for every dollar in purchases charged to the Card. Plus, there is an easy, convenient way to get more out of your Membership Rewards® points - simply charge an eligible purchase to your card. Then you can reedeem points for a statement credit. You can maximize your cash flow with up to 55 interest-free days. Use the Card throughout the month for all of your everyday business expenses, and earn reward points while you're at it. Take advantage of purchasing... See all details for the American Express® Business Gold Rewards Card Card Facts Network: Institution: American Express Type: Fees & Interest Purchase Interest Rate: % Cash Advance Interest Rate: % Balance Transfer Interest Rate: % First Year Annual Fee: $0 Annual Fee After First Year: $250 Eligibility Personal Income: $ Household Income: $ Credit Needed:
Presidents Choice Financial World MasterCard
Review	$0 no fee	35  points per $1	125  points per $1 at Shoppers	Net Rewards $180 Apply Now on PC Financial's secure website
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Offer Summary Apply for a new PC Financial Mastercard® and earn up to 125 PC Optimum per $1* spent at Shoppers Drug Mart for the rest of the year. No annual fee All PC Optimum members earn 15 points per dollar at Shoppers Drug Mart and Pharmaprix. When you use your President’s Choice Financial World Mastercard you will earn an additional points 20 points per dollar. Earn 20 PC Optimum points for every $1 spent at almost 2,500 stores across the country. Visit pcoptimum.ca for details on participating stores where the PC Optimum program is offered. Earn 10 PC Optimum points for every $1 spent everywhere else. ... See all details for the Presidents Choice Financial World MasterCard Card Card Facts Network: Institution: PC Financial Type: Fees & Interest Purchase Interest Rate: % Cash Advance Interest Rate: % Balance Transfer Interest Rate: 22.97%% First Year Annual Fee: $0 Annual Fee After First Year: $0 Eligibility Personal Income: $60000 Household Income: $100000 Credit Needed:
RBC Cash Back MasterCard
Review	$0 no fee	2%  cash back up to 6K	N/A	Net Rewards $180 Apply Now on RBC Royal Bank's secure website
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Offer Summary Earn 2% cash back credits† on grocery store purchases. Earn up to 1% cash back credits† on all other purchases and pre-authorized payments* made with your RBC Cash Back MasterCard. Cash back credits accumulate automatically and appear on your monthly statement. You won't have to keep track of points. Benefit from MasterCard's worldwide acceptance and the added convenience of MasterCard PayPass‡ - a new "contactless" way to pay. It is like having exact change wherever you go; a simple tap of your card is all it takes to pay at the checkout. Additional cards for co-applicants and authorized users at no extra cost. See all details for the RBC Cash Back MasterCard Card Card Facts Network: Institution: RBC Royal Bank Type: Fees & Interest Purchase Interest Rate: 19.99% Cash Advance Interest Rate: 21.99%% Balance Transfer Interest Rate: 22.99%% First Year Annual Fee: $0 Annual Fee After First Year: $0 Eligibility Personal Income: $ Household Income: $0 Credit Needed:
Westjet RBC MasterCard
Review	$39 per year	1  point per $1	1.25  points at WestJet	Net Rewards $191 Apply Now on RBC Royal Bank's secure website
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Offer Summary 1% in WestJet dollars for every $1 spent on the card. 1.5% in WestJet dollars for every $1 spent on the card for WestJet flights or WestJet Vacations‡ packages. $50 WestJet dollars as a welcome bonus when you make your first purchase with the card. Every WestJet dollar is worth $1 Canadian toward travel with WestJet or WestJet Vacations. Use your WestJet dollars just like cash towards all or part of your next WestJet flight or WestJet Vacations package* - whenever you want, wherever WestJet flies. No blackout periods. No seat restrictions. No advance booking requirements. Save - even on WestJet seat... See all details for the Westjet RBC MasterCard Card Card Facts Network: Institution: RBC Royal Bank Type: Fees & Interest Purchase Interest Rate: 19.99% Cash Advance Interest Rate: 21.99%% Balance Transfer Interest Rate: 21.99%% First Year Annual Fee: $39 Annual Fee After First Year: $39 Eligibility Personal Income: $15000 Household Income: $0 Credit Needed: Good
CIBC Tim Hortons Double Double Visa
Review	$0 no fee	1  point per $1	1%  Tim Cash for every $1 spent	Net Rewards $200 Apply Now on CIBC's secure website
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Offer Summary Earn 1% back in Tim Cash for every dollar spent on purchases Receive $20 in Tim Cash as a Welcome Bonus when you spend $200 anywhere See all details for the CIBC Tim Hortons Double Double Visa Card Card Facts Network: Institution: CIBC Type: Fees & Interest Purchase Interest Rate: 19.99% Cash Advance Interest Rate: 22.99%% Balance Transfer Interest Rate: 22.99%% First Year Annual Fee: $0 Annual Fee After First Year: $0 Eligibility Personal Income: $ Household Income: $15000 Credit Needed:
TD® Aeroplan® Visa Platinum
Review	$89 per year	1  point per $1	10,000  signup Aeroplan Miles	Net Rewards $201 Apply Now on TD's secure website
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Offer Summary Get up to 10,000 Aeroplan Miles1 with a TD Aeroplan Visa Platinum Card Earn 1 mile for every $1 you spend on gas, grocery and drug store purchases using your Card Earn 1 mile for every $1.50 you spend on all other purchases using your Card Earn miles twice4 when you pay with your TD Aeroplan Visa Platinum Card and present your Aeroplan Membership Card at over 150 Aeroplan partner brands and with 100 online retailers through Aeroplan’s eStore. Visit aeroplan.com for a list of participating Aeroplan partners. The protection of valuable insurances No miles expiry as long as you are a Cardholder ... See all details for the TD® Aeroplan® Visa Platinum Card Card Facts Network: Institution: TD Type: Fees & Interest Purchase Interest Rate: 19.99% Cash Advance Interest Rate: 22.99%% Balance Transfer Interest Rate: 22.99%% First Year Annual Fee: $89 Annual Fee After First Year: $89 Eligibility Personal Income: $12000 Household Income: $0 Credit Needed: Very Good
National Bank World Mastercard
Review	$125 1st year free, $125 after	2  points per $1	N/A	Net Rewards $216 Apply Now on National Bank's secure website
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Offer Summary Earn up to 2 points on ALL card purchases* without restrictions! From August 6 to November 11, 2018, you can earn 25% more points or cashback (as applicable) when you buy gas at our partner Ultramar. Out-of-province-of-residence medical/hospital insurance Trip cancellation/interruption, flight delay and baggage inssurance Rental vehicule insurance Travel assistance service Purchase protection in case of theft or damage Extended Warranty Concierge service Conditions apply See all details for the National Bank World Mastercard Card Card Facts Network: Institution: National Bank Type: Fees & Interest Purchase Interest Rate: 19.99% Cash Advance Interest Rate: 22.99%% Balance Transfer Interest Rate: 22.99%% First Year Annual Fee: $0 Annual Fee After First Year: $125 Eligibility Personal Income: $60000 Household Income: $100000 Credit Needed: Excellent
TD Platinum Travel Visa
Review	$99 per year	6  point per $1 on Travel	15,000  TD Points on your 1st purchase	Net Rewards $246 Apply Now on TD's secure website
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Offer Summary Earn a Welcome Bonus of 15,000 TD Points following your first purchase (that's worth $75 towards any travel) Earn 3 TD Points for every $1 you spend on Purchases using your Card (equivalent to a 1.5% return on your purchase) Earn 4 TD Points when you book travel over the phone through either Expedia® For TD (that's a 2% return on your travel purchases!) Earn 6 TD Points when you book travel online through Expedia® For TD (that's a 3% return on your travel purchases!) See all details for the TD Platinum Travel Visa Card Card Facts Network: Institution: TD Type: Fees & Interest Purchase Interest Rate: 19.99% Cash Advance Interest Rate: 22.99%% Balance Transfer Interest Rate: 22.99%% First Year Annual Fee: $99 Annual Fee After First Year: $99 Eligibility Personal Income: $ Household Income: $0 Credit Needed:
RBC Visa Infinite Avion
Review	$120 per year	1.25  points per $1	15,000   Welcome Points	Net Rewards $259 Apply Now on RBC Royal Bank's secure website
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Offer Summary Start Flying with 15,000 Welcome Points. Earn 1 RBC Rewards point for every $1 spent using your card. Earn 25% more on all travel related purchases (rental cars, hotels, etc.) Earn bonus points when you shop online at the RBC Rewards eMallTM Earn additional RBC Rewards points when you book travel with Carlson Wagonlit Travel‡ or rent a vehicle at any participating Thrifty Car Rental‡ locations in Canada RBC is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information click the Apply now link. Offer subject to change without notice. See all details for the RBC Visa Infinite Avion Card Card Facts Network: Institution: RBC Royal Bank Type: Fees & Interest Purchase Interest Rate: 19.99% Cash Advance Interest Rate: 21.99%% Balance Transfer Interest Rate: 22.99%% First Year Annual Fee: $120 Annual Fee After First Year: $120 Eligibility Personal Income: $60000 Household Income: $120000 Credit Needed: Excellent
BMO Rewards MasterCard
Review	$0 no fee	1  point per $1	20,000  BMO Rewards welcome points	Net Rewards $270 Apply Now on Bank of Montreal's secure website
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Offer Summary Welcome offer: Welcome offer: Get up to 20,000 BMO Rewards welcome points and a 1.99% introductory interest rate on Balance Transfers for 9 months, 1% fee applies to balance amounts transferred. Get 1 BMO Rewards point for every $1 spent Earn faster with additional cardholders Apply rewards toward the retail price of flights, hotels and more without mark-ups when you book through the BMO Reward Center Get up to 25% off car rentals at National®#† Car Rental and Alamo®*‡ Rent A Car locations worldwide Extended Warranty Purchase Protection Zero Dollar Liability: protects you from unauthorized use of your credit card BMO is... See all details for the BMO Rewards MasterCard Card Card Facts Network: Institution: Bank of Montreal Type: Fees & Interest Purchase Interest Rate: 19.99% Cash Advance Interest Rate: 22.99%% Balance Transfer Interest Rate: 22.99%% First Year Annual Fee: $0 Annual Fee After First Year: $0 Eligibility Personal Income: $15000 Household Income: $0 Credit Needed: Good
CIBC Dividend Platinum VISA
Review	$99 per year	4%  cash back on categories	N/A	Net Rewards $279 Apply Now on CIBC's secure website
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Offer Summary Earn 4% cash back at the gas station and grocery store No limit on the total cash back you can earn Earn 2% cash back at Tim Hortons® and TELUS® 1% cash back on all other purchases See all details for the CIBC Dividend Platinum VISA Card Card Facts Network: Institution: CIBC Type: Fees & Interest Purchase Interest Rate: 19.99% Cash Advance Interest Rate: 22.99%% Balance Transfer Interest Rate: 22.99%% First Year Annual Fee: $99 Annual Fee After First Year: $99 Eligibility Personal Income: $ Household Income: $15000 Credit Needed:
TD First Class Travel® Visa Infinite
Review	$120 per year	3  points per $1	20,000  TD Points on your 1st purchase	Net Rewards $300 Apply Now on TD's secure website
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Offer Summary Receive a Welcome Bonus of 20,000 TD Points after your first Purchase You could receive another 5,000 bonus TD Points if you keep your Account open, active and in good standing for 90 days after your Account is opened You could earn another 5,000 bonus TD Points when you add an Authorized User to your Account by December 2 Earn 3 TD Points for every $1 spent on Purchases made using your Card Earn 9 TD Points for every $1 spent on travel purchases made online through ExpediaForTD.com with your Card TD Points can be redeemed to help pay for almost any travel expense... See all details for the TD First Class Travel® Visa Infinite Card Card Facts Network: Institution: TD Type: Fees & Interest Purchase Interest Rate: 19.99% Cash Advance Interest Rate: 22.99%% Balance Transfer Interest Rate: 22.99%% First Year Annual Fee: $120 Annual Fee After First Year: $120 Eligibility Personal Income: $60000 Household Income: $100000 Credit Needed: Good
CIBC Aventura VISA Infinite
Review	$120 per year	1  point per $1	15,000  Aventura Points Welcome Bonus	Net Rewards $301 Apply Now on CIBC's secure website
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Offer Summary 15,000 Aventura® Points Welcome Bonus after first purchase Earn 1 Aventura Point for every $1 spent using your card 1.5 Aventura Points for every $1 spent at gas stations, grocery stores and drug stores Earn 2 Aventura Points when you purchase your trip through the CIBC Aventura Rewards Centre Earn 3 Aventura Points for every $1 spent at participating CIBC Bonus Rewards restaurants, hotels, inns and spas No black-out periods when redeeming points for travel on any airline Earn travel rewards on all your purchases Enjoy perks such as Avis® and Budget® car rental discounts Enjoy Visa Infinite Exclusive Offers including, access... See all details for the CIBC Aventura VISA Infinite Card Card Facts Network: Institution: CIBC Type: Fees & Interest Purchase Interest Rate: 19.99% Cash Advance Interest Rate: 22.99%% Balance Transfer Interest Rate: 22.99%% First Year Annual Fee: $120 Annual Fee After First Year: $120 Eligibility Personal Income: $60000 Household Income: $100000 Credit Needed: Excellent
CIBC Aerogold VISA Infinite
Review	$120 per year	1  point per $1	15,000  Aeroplan Miles Welcome Bonus	Net Rewards $315 Apply Now on CIBC's secure website
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Offer Summary 15,000 Aeroplan Miles Welcome Bonus1 - That's enough for a short-haul flight in Economy class to select destinations Earn 1 Aeroplan Mile for every $1 spent using your card Earn 1.5 Aeroplan Miles for every $1 spent at gas stations, grocery stores, drug stores and on purchases at aircanada.com3 (excluding Air Canada Vacation packages) Earn 3 times the Aeroplan Miles for every $1 spent at participating CIBC Bonus Rewards restaurants, hotels, inns and spas Earn even more Aeroplan Miles at over 150 participating Aeroplan Partners, when you use your CIBC Aerogold Visa Infinite Card and present your Aeroplan Card Vacation packages, car rentals, and... See all details for the CIBC Aerogold VISA Infinite Card Card Facts Network: Institution: CIBC Type: Fees & Interest Purchase Interest Rate: 19.99% Cash Advance Interest Rate: 22.99%% Balance Transfer Interest Rate: 22.99%% First Year Annual Fee: $120 Annual Fee After First Year: $120 Eligibility Personal Income: $60000 Household Income: $100000 Credit Needed: Excellent
TD® Aeroplan®Visa Infinite
Review	$120 per year	1.5  points per $1	15,000  Miles on your 1st purchase	Net Rewards $330 Apply Now on TD's secure website
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Offer Summary Receive a Welcome Bonus of 15,000 Aeroplan Miles with your first purchase Earn miles twice when you pay with your TD Aeroplan Visa Infinite Card and present your Aeroplan Membership Card at participating retailers and the Aeroplan eStore. Earn 1.5 miles for every $1 spent on eligible gas, grocery, drugstore and aircanada.com purchases made with your Card Earn 1 mile6 for every $1 you spend on all other purchases on your Card, when you pay with your TD Aeroplan Visa Infinite Card and present your Aeroplan Membership Card at over 150 Aeroplan partner brands and with 100 online retailers Enjoy an extensive suite of travel insurances... See all details for the TD® Aeroplan®Visa Infinite Card Card Facts Network: Institution: TD Type: Fees & Interest Purchase Interest Rate: 19.99% Cash Advance Interest Rate: 22.99%% Balance Transfer Interest Rate: 22.99%% First Year Annual Fee: $120 Annual Fee After First Year: $120 Eligibility Personal Income: $60000 Household Income: $100000 Credit Needed: Excellent
Scotiabank® American Express
Review	$0 no fee	1  point per $1 on eligible spend	5,000  Bonus points	Net Rewards $338
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Offer Summary Earn 5,000 bonus points with your first $500 in everyday purchases in first 3 months Earn one Scotia Rewards point on all other eligible everyday purchases Use your points to purchase travel online or over the phone through our full-service travel agency. Or book your own travel using your card and go online to redeem points for the purchase Receive discounts and other special offers on hotels, airfare, car rentals, cruises and vacation packages Receive up to 25% off qualifying car rentals Travel emergency medical coverage is automatically provided for eligible persons for up to 8 consecutive days Redeem points for merchandise and... See all details for the Scotiabank® American Express Card Card Facts Network: Institution: Scotiabank Type: Fees & Interest Purchase Interest Rate: 19.99% Cash Advance Interest Rate: 22.99%% Balance Transfer Interest Rate: 22.99%% First Year Annual Fee: $0 Annual Fee After First Year: $0 Eligibility Personal Income: $15000 Household Income: $ Credit Needed: Good
The American Express® Gold Rewards
Review	$150 per year	2  points per $1	25,000  Membership Rewards points	Net Rewards $358 Apply Now on American Express's secure website
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Offer Summary New American Express® Gold Rewards* Charge Card Cardmembers can earn a Welcome Bonus of 25,000 Membership Rewards® points just by making $1,500 in purchases in the first three months of Cardmembership. That’s enough to redeem for a round-trip Fixed Mileage Flight Reward TM* to almost anywhere in North America. Earn 2 points for every $1 on eligible travel and everyday purchases. Earn one point for every $1 in Card purchases everywhere else. Transfer your points instantly 1:1 to Aeroplan®*4. You can also transfer your points to other frequent flyer and hotel rewards programs like Delta SkyMiles®, Asia Miles19, Etihad Guest20, Starwood Preferred Guest® and more Charge any... See all details for the The American Express® Gold Rewards Card Card Facts Network: Institution: American Express Type: Fees & Interest Purchase Interest Rate: 30% Cash Advance Interest Rate: 3.00%% Balance Transfer Interest Rate: % First Year Annual Fee: $150 Annual Fee After First Year: $150 Eligibility Personal Income: $20000 Household Income: $0 Credit Needed: Good
MBNA Rewards World Elite
Review	$89 per year	2  point per $1	10,000  Bonus points	Net Rewards $371
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Offer Summary 2 MBNA rewards points for every $1 in eligible purchases‡ 10,000 bonus points†† with first eligible purchase No limit to the points that can be earned in a year, points don't expire Excellent redemption value World Elite Benefits Price Protection Concierge Service World Offers See all details for the MBNA Rewards World Elite Card Card Facts Network: Institution: MBNA Type: Fees & Interest Purchase Interest Rate: 19.99% Cash Advance Interest Rate: 24.99%% Balance Transfer Interest Rate: 21.99%% First Year Annual Fee: $89 Annual Fee After First Year: $89 Eligibility Personal Income: $70000 Household Income: $ Credit Needed: Good
Starwood Preferred Guest from American Express
Review	$120 per year	2  points per $1	50,000  Bonus points	Net Rewards $381 Apply Now on American Express's secure website
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Offer Summary New Starwood Preferred Guest®* Credit Card from American Express Cardmembers, earn 50,000 bonus points after you charge $1,500 in purchases to your Card in your first three months of Cardmembership.* (enough for 4 free nights at a Category 2 hotel) Earn 5 points for every dollar in eligible Card purchases at participating SPG®* and Marriott Rewards®* properties. Earn 2 points for every $1 in all other Card purchases. Receive an Annual Free Night Award at eligible hotels and resorts worldwide every anniversary. No annual fee on Supplementary Cards. Redeem points for free nights with no blackout dates at over 6,500 of the world's most... See all details for the Starwood Preferred Guest from American Express Card Card Facts Network: Institution: American Express Type: Fees & Interest Purchase Interest Rate: 19.99% Cash Advance Interest Rate: 22.99%% Balance Transfer Interest Rate: % First Year Annual Fee: $120 Annual Fee After First Year: $120 Eligibility Personal Income: $15000 Household Income: $0 Credit Needed: Very Good
WestJet RBC World Elite Mastercard
Review	$119 per year	1.5  points per $1	2  points at WestJet	Net Rewards $401 Apply Now on RBC Royal Bank's secure website
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Offer Summary 1.5% in WestJet dollars on everyday purchases 2% back in WestJet dollars on WestJet flights or WestJet Vacation packages using your card Get 250 welcome WestJet dollars with your first purchase. Free first checked bags for the primary cardholder Receive an annual round-trip companion voucher and go anywhere WestJet flies - starting at $99 (plus tax,es fees and charges) No blackout periods. No seat restrictions. No advance booking requirements. Save on WestJet's seat sales. See all details for the WestJet RBC World Elite Mastercard Card Card Facts Network: Institution: RBC Royal Bank Type: Fees & Interest Purchase Interest Rate: 19.99% Cash Advance Interest Rate: 21.99%% Balance Transfer Interest Rate: 21.99%% First Year Annual Fee: $119 Annual Fee After First Year: $119 Eligibility Personal Income: $70000 Household Income: $150000 Credit Needed: Excellent
BMO AIR MILES World Elite MasterCard
Review	$120 1st year free, $120 after	1  mile per $10	2,000  Bonus Air Miles	Net Rewards $480 Apply Now on Bank of Montreal's secure website
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Offer Summary Welcome Offer: Get 2,000 AIR MILES Bonus Miles after your first card purchase* Exclusive 15% Flight Discount on all AIR MILES flights in North America with no blackout periods* Complimentary membership in Mastercard Airport Experiences provided by LoungeKey, with exclusive VIP access, plus two annual complimentary passes Earn 1 reward mile for every $10 in credit card purchases, everywhere you spend Earn Miles twice when you use your BMO AIR MILES Mastercard and show your AIR MILES Card at AIR MILES Partners BMO AIR MILES World Elite Travel and Medical Protection BMO Concierge Service Use your card at Costco BMO is not... See all details for the BMO AIR MILES World Elite MasterCard Card Card Facts Network: Institution: Bank of Montreal Type: Fees & Interest Purchase Interest Rate: 19.99% Cash Advance Interest Rate: 22.99%% Balance Transfer Interest Rate: 22.99%% First Year Annual Fee: $0 Annual Fee After First Year: $120 Eligibility Personal Income: $80000 Household Income: $150000 Credit Needed: Good
BMO World Elite MasterCard
Review	$150 1st year free, $150 after	3  point per $1 on categories	35,000  Welcome bonus points	Net Rewards $542 Apply Now on Bank of Montreal's secure website
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Offer Summary Welcome Offer: Get 35,000 welcome points (after you spend $3,000 in the first 3 months) Get 3 BMO Rewards points for every $1 spent on travel, dining and entertainment purchases Complimentary membership in Mastercard Airport Experiences provided by LoungeKey, with exclusive VIP access, plus four annual complimentary passes Get 2 points for every $1 spent everywhere else* Points can be used to cover all flight charges & taxes Fly on any airline, with no blackout dates Best in-class travel and medical insurance (unlimited trips per year) BMO Concierge Service BMO is not responsible for maintaining the content on this site. Please click on... See all details for the BMO World Elite MasterCard Card Card Facts Network: Institution: Bank of Montreal Type: Fees & Interest Purchase Interest Rate: 19.99% Cash Advance Interest Rate: 22.99%% Balance Transfer Interest Rate: 22.99%% First Year Annual Fee: $0 Annual Fee After First Year: $150 Eligibility Personal Income: $80000 Household Income: $150000 Credit Needed: Excellent
Scotiabank Gold American Express
Review	$99 per year	4  points per $1	15,000   bonus points on your first 1K	Net Rewards $555
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Offer Summary 15,000 bonus points ($150 value) with your first $1000 in everyday purchases in the first 3 months. Earn 4x Scotia Rewards points for every $1 you spend at eligible gas stations, grocery stores, on dining and entertainment Earn one point on all other eligible everyday purchases Book and redeem for travel anywhere, anytime, with no travel restrictions. Use your points to purchase travel online or over the phone through our full-service travel agency. Or book your own travel using your card and go online to redeem points for the purchase. Comprehensive Travel Insurance Coverage Complimentary Concierge Services 24/7 Access to airport lounges,... See all details for the Scotiabank Gold American Express Card Card Facts Network: Institution: Scotiabank Type: Fees & Interest Purchase Interest Rate: 20% Cash Advance Interest Rate: % Balance Transfer Interest Rate: 22.99%% First Year Annual Fee: $99 Annual Fee After First Year: $99 Eligibility Personal Income: $30000 Household Income: $ Credit Needed: Very Good
American Express Cobalt
Review	$120 per year	5  points per $1 on categories	30,000  Membership Rewards points	Net Rewards $600 Apply Now on American Express's secure website
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Offer Summary $10 per month of credit card membership ($120 annually) In your first year as a new Cobalt Cardmember, you can earn 2,500 Membership Rewards® points for each monthly billing period in which you spend $500 in net purchases on your Card. This could add up to 30,000 points in a year. Earn 5 points for every $1 spent on Card purchases at eligible restaurants, bars, grocery stores and food delivery in Canada Earn 2 points for every $1 spent on eligible transit & gas purchases in Canada and eligible travel purchases. That’s 2X the points on purchases that get you from point A to B ... See all details for the American Express Cobalt Card Card Facts Network: Institution: American Express Type: Fees & Interest Purchase Interest Rate: 19.99% Cash Advance Interest Rate: 22.99%% Balance Transfer Interest Rate: 3.00%% First Year Annual Fee: $120 Annual Fee After First Year: $120 Eligibility Personal Income: $ Household Income: $0 Credit Needed:

SHOW ALL CARDS LESS

• How Travel Credit Cards work?
• How to Use the Travel Credit Card Calculator?
• Using our Travel Rewards search results
• Our evaluation methodology
• Travel cards advantages & disadvantages
• Types of travel rewards
• How to get the most out of your travel rewards card?
• How to choose your travel card?
• How to redeem credit card travel rewards?
• Credit needed for travel cards

How Travel Credit Cards Work?

Travel cards normally carry popular features such as no foreign transaction fees, special access to airport lounges, free checked backs, priority boarding and free hotel nights. They are specifically targeted for those that want to redeem points/miles for travel related reservations and perks.

While we all would love to earn free vacations, picking a travel credit card is not so easy when there are so many options and details to understand about each card. When considering a travel credit card there are a few primary things to look at:

1. How much “cash” value is in a point/mile?

2. Is the card co-branded by a specific airline/hotel brand or is it run by the issuer/bank.

3. The type of points or air miles the card offers.

4. Sign up bonus offered

5. Time required to achieve bonus & max points.

Typically issuers offer attractive signup bonuses to new card holders, but more often then not they also include minimum amounts in spending for the first 3 to 6 months. For example some cards may offer a 20,000 bonus points after spending $5,000 in the first 6 months of opening an account. Also some cards offer additional card point bonuses for purchases at partner merchants or hotels. To redeem travel rewards you would normally do it directly though the airline or hotel company.

When comparing travel credit cards one of the most challenging part is analyzing the value of each reward point. This value is essential in calculating your rewards estimate since every card company’s point value is different. As such a card offering 50,000 signup points maybe no better then one offering 10,000 points, since it’s the value that really matters.

How To Use The Travel Rewards Calculator?

The travel rewards calculator (icon on bottom right of website) was built to automate the process of calculating and comparing credit card values. Using our estimate engine you can easily see how each card stacks up against each other, by estimating the net annual rewards.

Simply input the following criteria: Groceries, Restaurants, Pharmacy, Bills, Gas, Travel, Entertainment & Other spending. Based on your annual card spending we will show you the travel cards with the most rewards sorted by the highest annual value. Things we take into consideration when calculating are the card’s interest rate, fees, sign up bonus, point and point value among other factors.

Using Our Travel Credit Cards Search Results

If you travel a few weeks out of the year you could enjoy a few thousand dollars extra in rewards benefits. There are so many travel cards that offer generous sign up bonuses and no fee for the first year. It is relatively easy to enjoy traveling benefits that you would otherwise have to pay from your own pocket. These cards also often carry additional perks such as airport lounges and expedited check-in process.

Our travel cards are sorted by the highest reward first, based on your spending so it’s easy to see what card you would most benefit from.

Our Evaluation Methodology

We scour the internet for the best travel credit cards deals for Canadians and calculate your estimated net annual rewards based on the merits of each card. While we automate the calculations for you it’s still up to you to apply for one that matches your personal lifestyle. For example you may choose a certain airline card, hotel card luxury travel card or business card depending on your preferences. Some of the things we consider are:

Travel Rewards Points - Most travel cards offer attractive points-based schemes where you earn on each dollar you spend. In some cases the points are doubled or tripled if you spend on certain categories such as airline tickets or staying at particular hotels.

Travel Points Value - The “value” of a point is one of the most important factors to consider because points offered by different institutions have different values. As such a 5,000 points bonus could be worth more then a 20,000 one - so it pays to read the small print.

Signup Bonuses - Most bonuses given at signup by credit card companies are based on spending or time requirements such as spending $3,000 in the first 3 months on the card. To fully take advantage of these credits you must make sure to understand the required spending as well as what categories this spending applies to. For example if you spend in a category that is not covered by the bonus offer you’ll be maxing out your budget without making the most of your bonus points.

Credit Needed - Before you get to excited about a particular credit card, make sure you are reasonably sure you can get approved for it. Most travel credit cards carry annual fees & higher interest rates. This is fine as long as you maximize your annual bonus & it outweighs the fees you pay. Similarly for those that pay-off the credit card monthly without incurring interest charges there is nothing to worry about, however if you don’t always pay the full amount & go over budget, the interest cost maybe higher then the travel rewards collected.

Other Travel Card Benefits - Cards for the purposes of traveling more often then not carry additional benefits such as special access to airport lounges, priority boarding, accident & baggage insurance, car rental insurance & currency exchange discounts. Sometimes it’s worth getting a travel card for these savings alone.

Travel Cards Advantages & Disadvantages

While travel cards can offer some juicy rewards for a frequent traveler, they also have some weaknesses that make these types of cards unattractive for other people. For example if you don’t travel out of the country a lot, then a cash back card may make more sense since it’s rewards structure is simpler and will carry lower interest fees.

Another reason is if you tend to carry a balance on your card monthly, then travel cards maybe also not the best option for you. While another reason is that research shows 25% of people don’t ever redeem their rewards. Therefore if you find that you cannot conveniently cash-in those rewards for meaningful benefits, then a travel credit card may not be for you.

Some of the factors we consider when choosing the best travel reward cards (and you should too) are:

ADVANTAGES:

Rewards - you could save thousands of dollars by flying with your favourite airlines and staying at partner hotels.

Benefits - I you vacation or travel for business often this could be a great way to enjoy extra perks at no additional cost.

DISADVANTAGES:

Higher fees - Most travel cards carry higher interest rates fees then other non-reward cards such as cash back.

Confusing terms - They say the devil is in the details and nothing could be more true for credit card terms. The “small print” normally a few pages long and if you don’t read it properly it can lead to disappointment later when you find out that you didn’t qualify for a particular promotion.

How To Choose an Airline Credit Card

When researching travel credit cards the most important factors to think about are:

a. What airlines you frequently travel on?

b. Where you frequently travel to?

Based on these two factors you can choose a card that makes most sense for you. For example if you live near Toronto you probably want a credit card that is cobranded by an airline such as Air Canada since it has flights to national & international destinations out of the Pearson Airport.

Secondly if you travel to Europe frequently with Lufthansa Airlines then maybe a card co-branded by Lufthansa makes more sense.

How To Choose an Hotel Credit Card

Similarly to airlines you can also choose a card based on what hotel chains have partnerships with that particular credit card. For example Hilton is a world-wide hotel chain that offers discounts and other benefits though the use of a certain card.

How To Choose a General Purpose Travel Credit Card

If you are not a frequent traveler but still like to enjoy the benefits that a travel credit card offers a general purpose card will do the trick. These cards allow you to make travel reservations though an approved travel agent or internet portal. If you make sure to take advantage of travel points you can reap the rewards from booking last-minute reservations and hotels.

How To Choose a Luxury Travel Credit Card

One of the primary advantages of luxury travel cards is they provide Priority Access to airport lounges and waiting lines. These cards such as the American Express cards offer significant benefits though memberships in their loyalty programs and partnerships around the wold. Luxury cards also offer extensive partnerships with many airlines & hotels.

It’s important to make sure you understand what countries & airports are covered as it could be that some of your favourite destinations are not included. Some cards also offer complementary benefits to one or more guests or family members.

How To Choose a Business Travel Credit Card

Traveling for business often for conferences or sales pitches? One of the best ways to enjoy the benefits of a travel card is to put all those expensive 1st class business flights, hotel stays & restaurants on your travel business card. Just make sure that the airlines you travel with & destinations are covered but he card’s partners. You can also earn rewards for typical business expenses such as phone, internet services and office costs.

Types of Travel Cards

Travel credit cards breakdown into two primary categories. Firstly, cards that offer rewards though an in-house managed program. Secondly, cards that offer points though various travel partners (therefore their rewards are managed by a 3rd party).

1. In-house Rewards Program

These cards offer reward programs managed by the banks (or issuer) themselves. This means that if your card is offered by a bank they may provide the possibility to redeem your points as a credit towards your travel reservations directly in your bank account. These cards also normally offer the possibility to transfer your points to various partner hotel & airline brands.

1. Co-branded Rewards Program

These cards are normally issued by airlines or hotels themselves (in partnership with a bank). When you book flights with these cards you will book directly with the airline or an authorized travel partner. They will also keep track of your points & you can redeem points directly with them.

How to get the most out of your travel rewards card?

While collecting points is easy nowadays, the challenging part is knowing how to redeem them. That is because there are a lot of cards offering traveling points but when it comes to choosing a flight you don’t always get the same value for a flight. For example you may choose a flight that uses 10,000 points for a free flight worth $560 to Vancouver. But for 10,000 points you could also book a free flight to Paris, France worth $1,200. Most of us would go to Paris but it’s not always easy to determine the “value” you will get out of those points.