Points Guide
How Canadian Loyalty Points Work
Plain-language guides to earning, valuing, and redeeming Canadian loyalty points. Start with the foundations or jump straight to what’s changed recently.
Foundations
How Loyalty Points Work in Canada
What points actually are, how you earn them, and the difference between fixed-value and variable-value programs. The starting point for anyone new to Canadian loyalty travel.
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What Is CPP? Cents Per Point Explained
The single number that tells you whether a redemption is worth making. How to calculate it, what a good CPP looks like for each major Canadian program, and when to ignore it.
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Points Expiry Rules for Every Major Canadian Program
Aeroplan expires after 18 months of inactivity. Scene+ after 24. A full breakdown of expiry windows and what actually resets the clock for each major Canadian loyalty program.
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Programs
| Type | What it’s best for | ||
|---|---|---|---|
| Aeroplan | Airline | Business class and international redemptions on Air Canada and 40+ Star Alliance partners. Canada’s most versatile travel currency. | Guide → |
| WestJet Rewards | Airline | Simple fixed-value redemptions toward any WestJet flight or vacation package. One WestJet Dollar equals one Canadian dollar. | Guide → |
| VIPorter | Airline | Porter Airlines’ loyalty program. Earn on flights and redeem for Porter seats. Best for Eastern Canada and short-haul routes from Billy Bishop. | Guide → |
| Amex Membership Rewards | Bank | Canada’s most flexible bank currency. Transfer to Aeroplan, Avios, Marriott, and other programs. High earn rates on the Cobalt card. | Guide → |
| RBC Avion Rewards | Bank | RBC’s travel currency. Transfer to British Airways Avios or WestJet Dollars, or redeem directly through the RBC travel portal. | Guide → |
| TD Rewards | Bank | Book any way and pay with points. Best value through the TD Travel portal. No blackouts and no airline restrictions. | Guide → |
| CIBC Aventura | Bank | CIBC’s travel program. Flexible redemptions through the CIBC travel portal or as statement credits. Straightforward earn with no transfer complexity. | Guide → |
| Scene+ | Coalition | Scotiabank’s coalition program. Earn at Sobeys, FreshCo, Empire banners, and Cineplex. Redeem toward travel or in-store purchases. | Guide → |
| More Rewards | Coalition | BC and Alberta’s Pattison Group program. High grocery earn rates at Save-On-Foods and Buy-Low Foods. Best for Western Canadian daily spenders. | Guide → |
| Blue Rewards (Air Miles) | Coalition | The Air Miles rebrand. Earn at Sobeys (outside Scene+ provinces), Rexall, Shell, and other retail partners. Redeem for travel, merchandise, or cash. | Guide → |
Put the theory to work.
Every guide here is built from real programs and real math. Bring your spending profile to a free conversation and we’ll map out your first year.