Programs
Canadian Loyalty Programs
How each major Canadian loyalty program actually works. Earn sources, redemption options, expiry rules, and where the value is. One program at a time.
All Programs at a Glance
Side-by-side comparison of every major Canadian loyalty program — earn rates, redemption options, and who each one suits.
Airline Programs
Aeroplan
Air Canada’s loyalty program. Earn on flights, credit cards, and 150+ partners. Redeem on Air Canada and 40+ Star Alliance airlines. Variable value: 1.1¢–2.6¢+ per point.
Read the guide →
WestJet Rewards
WestJet’s fixed-value currency. WestJet Dollars are worth $0.01 each, always. Simple to understand and easy to use on any WestJet fare.
Read the guide →
VIPorter
Porter Airlines’ loyalty program. Points-based, with redemptions on Porter, Air Transat (locked to 2032), and Alaska Airlines (with a Porter segment). Typical value ~1.5¢/pt. No alliance; Eastern Canada hub at Billy Bishop.
Read the guide →
Bank & Transferable Programs
Amex Membership Rewards
The most flexible earn currency in Canada. Transfer 1:1 to Aeroplan, Flying Blue, Avios, and others. Best used by collecting on an Amex card and converting when a redemption is ready.
Read the guide →
TD Rewards
TD’s points currency, used across TD travel cards. Best known for the Book Any Way option, which lets you redeem against any travel purchase at a fixed rate. 0.5¢/pt; up to 3% return on groceries.
Read the guide →
RBC Avion Rewards
RBC’s travel rewards currency. Redeems at 1¢/pt through the Avion portal, or transfers to British Airways Avios, WestJet Dollars, American Airlines AAdvantage, and Cathay Pacific Asia Miles. The transfer path is where the value is.
Read the guide →
CIBC Aventura
CIBC’s travel rewards program. Points redeem through the Aventura Travel Assistant at ~1¢/pt for flights. No transfer partners — a closed earn-and-redeem cycle best compared alongside TD Rewards.
Read the guide →
Retail & Coalition Programs
Scene+
Scotiabank’s coalition program, covering Sobeys, Safeway, Cineplex, and Empire stores. Points are worth exactly 1¢ each on travel, movies, and groceries. Strongest in Ontario, Atlantic Canada, and the Prairies.
Read the guide →
More Rewards
The Pattison Group’s BC-based coalition program. Earns at Save-On-Foods, Buy-Low Foods, Quality Foods, and other BC and Alberta retailers. ~0.43¢/pt via travel portal, ~3.44% return at 8 pts/$ on groceries.
Read the guide →
Not sure which program fits your spending?
A free consultation matches your existing habits to the program and card that earns you the most.