Credit Cards
Canadian Travel Credit Cards
Earn rates, annual fees, welcome bonuses, and who each card actually suits. Organized by the loyalty program it feeds.
Cards to Use Abroad
Which card to actually spend on while you travel: the no foreign transaction fee picks, the prepaid-safety play, and the US-dollar card that comes out ahead.
No-FX cards, prepaid safety, and the US-dollar play
A side-by-side look at net cost on foreign spend — which card to use abroad, and the one to leave at home
Travel Insurance
What each card actually covers for travel, read from the issuer’s own certificate of insurance rather than the marketing page.
Credit card travel insurance compared
56 cards side by side on medical limits, age cut-offs, cancellation, baggage and rental car — every row linking the certificate it came from
Credit card rental car insurance
Whether the coverage pays first, the vehicle value it caps at, and the vehicles each certificate excludes outright
Travel insurance for seniors
What changes at 65, 70, 75 and 80: eleven cards stop covering the traveller outright, and the trip length collapses on most of the rest
Purchase protection, warranty and phone coverage
The three benefits that cover what you buy rather than where you go, including which cards exclude phones outright
WestJet RBC Mastercards
Compare WestJet RBC cards side by side
Full feature matrix + breakeven calculator — is the $139 fee worth it at your spend level?
RBC Avion Cards
RBC Avion Visa Platinum
$120 annual fee, no income requirement. Earns 1x Avion points on every eligible purchase. Full access to the Avion transfer network, including British Airways Avios, WestJet, American Airlines, and Cathay Pacific. The entry point for applicants who don't meet the Visa Infinite's income bar.
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Apply →RBC Avion Visa Infinite
$120 annual fee. Earns 1.25x Avion points on travel purchases and 1x everywhere else. Requires $60K personal or $100K household income. Same transfer network as the Platinum, with travel insurance and Visa Infinite benefits layered on at no extra cost.
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Apply →RBC Avion Visa Infinite Privilege
$399 annual fee. Earns 1.25x Avion points on all qualifying purchases. Requires $200K personal or household income. Six complimentary Dragon Pass lounge visits per year and a travel insurance package make the higher fee work for frequent flyers.
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Apply →Compare all three RBC Avion cards side by side
Full feature matrix — Platinum vs. Visa Infinite vs. Visa Infinite Privilege, and whether the lounge access is worth the $399 fee
TD Aeroplan Cards
TD Aeroplan Visa Platinum
$89 annual fee. Earns 1 pt per $1 on gas, EV charging, groceries, and Air Canada, and 1 pt per $1.50 on everything else. Entry-level card for applicants who do not yet qualify for the Visa Infinite.
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Apply →Compare all three TD Aeroplan cards side by side
Full feature matrix + breakeven calculator — Platinum vs. Visa Infinite vs. Visa Infinite Privilege
TD Travel Cards
TD Rewards Visa
No annual fee, no income requirement. Earns 4x TD Rewards points on Expedia For TD bookings, 3x on groceries, dining, and transit, 2x on recurring bills and streaming, 1x everywhere else (bonus rates capped at $5,000/yr per category). Points redeem for travel, merchandise, or statement credits with no program lock-in.
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Apply →TD Platinum Travel Visa
$89 annual fee, no income requirement. Earns 6x on Expedia For TD, 4.5x on groceries, dining, and transit, 3x on recurring bills and streaming, 1.5x everywhere else (bonus rates capped at $15,000/yr per category). A meaningful step up from the no-fee Rewards Visa for the same flexible points currency.
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Apply →TD First Class Travel Visa Infinite
$139 annual fee. Earns 8x on Expedia For TD, 6x on groceries, dining, and transit, 4x on recurring bills and streaming, 2x everywhere else. Requires $60K personal or $100K household income. The top tier of TD's flexible-points lineup, built for travellers who book through Expedia For TD.
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Apply →CIBC Aeroplan Cards
CIBC Aeroplan Visa Infinite
$139 annual fee (or $0 with CIBC Smart Plus). Earns 1.5x on gas, EV charging, groceries, and Air Canada. Free checked bag, status acceleration, and travel insurance. Identical earn rates to the TD equivalent.
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CIBC Aeroplan Visa Infinite Privilege
$599 annual fee (~$460 with Smart Plus). Earns 2x on Air Canada, 1.5x on gas, groceries, dining, and travel, 1.25x everywhere else. Unlimited Maple Leaf Lounge access with a guest and annual companion pass.
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TD vs. CIBC Aeroplan Visa Infinite
Same earn rates, different perks — Nexus credit (TD) vs. Smart Plus fee waiver (CIBC)
BMO VIPorter
BMO eclipse Cards
BMO eclipse Visa Infinite
$120 annual fee (first year waived). Earns 5x BMO Rewards points on groceries, dining, gas, drugstore, and travel, 1x everywhere else. Requires $60K personal or $100K household income. The strongest everyday-spend earner in the BMO Rewards lineup.
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Apply →BMO eclipse Visa Infinite Privilege
$599 annual fee. Same 5x earn rate on groceries, dining, gas, drugstore, and travel as the standard eclipse, with a higher tier of travel insurance, lounge access, and other Visa Infinite Privilege benefits layered on. Requires $150K personal or $200K household income.
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Apply →Compare both BMO eclipse cards side by side
Same earn rate, different fee — is the Privilege's higher income bar and $599 fee worth the added benefits?
More Rewards RBC Cards
More Rewards RBC Visa
No annual fee. Earns 5 More Rewards points per dollar at Pattison banners, 3 pts on gas and dining, 1 pt everywhere else. No income requirement, eligible for all applicants.
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More Rewards RBC Visa Infinite
No annual fee. Earns 8 More Rewards points per dollar at Pattison banners and gas/dining, 3 pts elsewhere. Includes travel insurance and Priority Pass lounge access. Requires income qualification.
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Compare both More Rewards RBC cards side by side
Full feature matrix and earn comparison at different spend levels
American Express Aeroplan Cards
All American Express Aeroplan cards
Amex earns 3x on Air Canada — the highest rate of any Aeroplan co-branded card
Scene+ Cards
Scotiabank Gold American Express
$120 annual fee. No foreign transaction fees. Earns 6x Scene+ at Sobeys banners, 5x on dining and entertainment, and 3x on gas, transit, and streaming. $12,000 income requirement. The best everyday earner in the Scotiabank lineup.
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Apply →Scotiabank Passport Visa Infinite
$150 annual fee. No foreign transaction fees on international purchases. Earns 3x Scene+ at Sobeys banners, 2x on groceries, dining, entertainment, and transit. Six complimentary airport lounge passes per year.
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Apply →Tangerine Rewards World Elite Mastercard
$120 annual fee. Earns 1.5x Scene+ points in 3 categories you choose, 1x on everything else. Categories switch every 90 days. $80,000 personal or $150,000 household income required. Four DragonPass lounge passes and a 30,000-point welcome bonus.
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Apply →No-Program & Cash Back Cards
Rogers Red World Elite Mastercard
No annual fee. Earns 3% cash back on USD purchases, which more than offsets the 2.5% FX fee for a net gain on every US-dollar transaction. 1.5% on all other purchases. World Elite travel benefits included.
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Tangerine Money-Back Credit Card
No annual fee. Earns 2% cash back in up to three categories you choose, 0.5% on everything else. Cash back paid monthly. No income requirement. Categories include groceries, restaurants, gas, and recurring bills.
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Apply →Tangerine Money-Back World Mastercard
No annual fee. Same 2% in up to three chosen categories, 0.5% on everything else, plus DragonPass lounge access, rental car and mobile device insurance, and a $120 welcome bonus. Requires $50,000 personal or $80,000 household income.
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Apply →KOHO Everything
$19/month prepaid Mastercard. No foreign transaction fees. Earns 2% cash back on groceries, dining, and transportation. No credit check or income requirement. Credit building and budgeting tools included.
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Apply →Wealthsimple Visa Infinite
Flat 2% cash back on everything, no foreign transaction fees. $20 monthly fee, waived for Wealthsimple Premium and Generation clients or with $4,000/month in direct deposits. A Visa Infinite Privilege version adds lounge access at a higher income bar.
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Apply →CIBC Costco Mastercard
No annual fee. 3% cash back at restaurants and Costco gas, 2% at other gas stations, EV charging and Costco.ca, 1% everywhere else including in the warehouse. Paid once a year as a Costco gift certificate. Costco membership required.
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Scotia Momentum Visa Infinite
$120 annual fee, first year waived. 4% cash back on groceries and recurring payments, 2% on gas, EV charging, transit, rideshare and food delivery, 1% elsewhere. Travel medical, cancellation and rental car coverage on a cash back card.
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Business Cards
American Express Business Edge Card
$89 annual fee, no income requirement. Earns 3x Membership Rewards points on eligible restaurants, transit, and gas (up to $25K/yr), 1x everywhere else. An accessible entry point for small businesses building toward Aeroplan or other transfer partners.
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American Express Business Platinum Card
$799 annual fee, no income requirement. Earns 1.25x Membership Rewards points on all eligible purchases. Unlimited Maple Leaf and Centurion Lounge access, travel insurance, and a suite of statement credits built for high-spending businesses.
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Apply →American Express Aeroplan Business Reserve Card
$599 primary / $199 per supplementary card, no income requirement. Earns 3x Aeroplan points on Air Canada, 2x on hotels and car rentals, 1.25x everywhere else. Unlimited Maple Leaf Lounge access and a companion benefit built for frequent business flyers.
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Apply →American Express Business Gold Rewards Card
$199 annual fee, no income requirement. A charge card earning 1x Membership Rewards points on all purchases with no preset spending limit. Points transfer to Aeroplan and other partners, making it a flexible step up from the Business Edge for higher-spending businesses.
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Apply →Marriott Bonvoy Business American Express Card
$150 annual fee. Earns 5x at Marriott, 3x on gas, dining, and travel, 2x everywhere else. Includes an annual Free Night Award (up to 35,000 points) and automatic Marriott Bonvoy Silver Elite status — a hotel card for businesses that book Marriott.
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Apply →BMO Rewards Business Mastercard
$150 annual fee (first year waived), no income requirement. Earns 3x BMO Rewards points on travel, 1.5x on dining and recurring bills, 1x everywhere else. Points redeem against any travel booking through the BMO Rewards portal — no blackout dates, no airline affiliation.
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RBC Avion Visa Business Card
$175 annual fee. Earns 1.25x Avion points on all eligible purchases. Same transfer network as the personal Avion cards — British Airways Avios, WestJet, American Airlines, and Cathay Pacific — with business-card reporting and employee card controls.
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WestJet RBC World Elite Mastercard for Business
$175 primary / $75 per additional cardholder (up to 9). Earns 3% back in WestJet points on WestJet and common business categories, 1.5% everywhere else. Includes automatic WestJet Silver status on approval and free checked bags for the cardholder and companions.
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TD Aeroplan Visa Business Card
$149 primary / $49 per additional cardholder, first year rebated. Earns 2x Aeroplan points on Air Canada, 1.5x on travel, dining, and business categories, 1x everywhere else. The business-card counterpart to TD's personal Aeroplan Visa Infinite.
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TD Business Travel Visa Card
$149 primary / $49 per additional cardholder, first year rebated. Earns 9x TD Rewards points on Expedia For TD, 6x on dining, transit, and recurring bills, 2x everywhere else. The business-card equivalent of TD's flexible-points travel lineup.
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CIBC Aeroplan Visa Business Plus
$120 annual fee (first two years rebated, rising to $139 from August 1, 2026). Earns 2x Aeroplan points on Air Canada, 1.5x on travel, dining, and business categories, 1x everywhere else. Mirrors the TD Aeroplan Visa Business at a comparable price point.
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Scotiabank Passport Visa Infinite Business Card
$179 annual fee, no income requirement (business eligibility applies). No foreign transaction fees on international purchases. Carries the same airport lounge access and travel insurance package as the personal Passport Visa Infinite, built for business spending.
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Apply →Best Business Credit Card in Canada, scored
Every business card above ranked on one transparent fit score — flexible points, airline, and travel
TD Aeroplan Visa Business vs. TD Business Travel Visa
Same fee, two different points currencies — Aeroplan miles vs. flexible TD Rewards points
Neo Financial Cards
Cathay World Elite Mastercard, powered by Neo
$180 annual fee (plus $10 per supplementary card). Earns 4x Cathay Pacific Asia Miles on cathaypacific.com/ca bookings, 2x on foreign currency purchases, 1x everywhere else. Requires $80K personal or $150K household income. The only Canadian card earning directly into Asia Miles.
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United MileagePlus Neo World Elite Mastercard
$89 annual fee. Earns 1.25x United MileagePlus miles on United and Star Alliance flights, 1x on groceries and dining, 0.75x everywhere else. Requires $80K personal or $150K household income. A niche pick for Canadians who connect through United's US hubs.
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Apply →American Express Membership Rewards Cards
Amex Cobalt
$15.99 a month. 5 Membership Rewards points per dollar at restaurants and grocery stores, 3x streaming, 2x transit and travel. Points transfer 1:1 to Aeroplan, Avios and Flying Blue. The strongest everyday earn card in Canada for food spending.
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Apply →Amex Gold Rewards Card
$250 annual fee. 2x on eligible groceries, gas, drugstores and travel, 1x everywhere else, with a $100 annual travel credit and lounge visits. Broad category coverage without the Platinum fee.
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Apply →CIBC Aventura Cards
CIBC Aventura Gold Visa
$139, first year rebated. 2x on travel through the CIBC Rewards Centre, 1.5x gas, EV charging, groceries and drug stores, 1x elsewhere. Same earn as the Visa Infinite with a $15,000 household income requirement.
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CIBC Aventura Visa Infinite
$139, first year rebated. 2x on travel through the CIBC Rewards Centre, 1.5x gas, EV charging, groceries and drug stores. Points cover any airline, taxes included; up to 35,000 welcome points.
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CIBC Aventura Visa Infinite Privilege
$499 with a $200 annual travel credit. 3x on travel, 2x on dining, entertainment, transportation, gas, EV charging and groceries, 1.25x elsewhere. Six lounge visits a year and up to 80,000 welcome points.
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MBNA Rewards Cards
One rule applies to every card on this page. A welcome bonus is paid on the condition that the account stays open. Cancel or downgrade inside the first year and the issuer can reverse the points, and most issuers count that card against your eligibility for the next offer. Keep a new card until its second annual fee posts before you decide whether it stays.
Not sure which card fits your spending?
A free consultation matches your habits to the card that earns you the most toward the travel you actually take.