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.
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WestJet Rewards
WestJet’s fixed-value currency. WestJet points are worth $0.01 each, always. Simple to understand and easy to use on any WestJet fare.
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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.
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Qatar Airways Privilege Club
Qatar Airways’ program, running on Avios. Canadians feed it with Amex Membership Rewards and spend it on Qsuite business class nonstop from Toronto and Montreal. Variable value: ~1.3¢ in economy, 2.5¢–4¢+ in Qsuite.
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Asia Miles
Cathay Pacific’s program. A fixed partner award chart across 30+ Oneworld airlines, including Qatar Qsuite and Japan Airlines business class. One Canadian card earns it directly. Variable value: ~1.2¢–1.5¢+ per mile.
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United MileagePlus
United’s program. Dynamic award pricing on United and 25 Star Alliance partners, miles that do not expire while the account is open, and one Canadian card that earns it directly.
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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.
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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.
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RBC Avion Rewards
RBC’s travel rewards currency. Redeems at 1¢/pt through the Avion portal, or transfers to British Airways Avios, WestJet points, American Airlines AAdvantage, and Cathay Pacific Asia Miles. The transfer path is where the value is.
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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.
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BMO Rewards
BMO’s fixed-value currency. 150 points = $1 against any travel purchase on the card, or cash into a BMO investment account. No expiry while the account is open, no transfer partners. Fixed value: 0.67¢ per point.
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Retail & Coalition Programs
Scene+
Scotiabank’s coalition program, covering Sobeys, Safeway, Cineplex, and Empire stores. Points are worth exactly 1¢ each on travel, movies, and groceries. Strongest in Ontario, Atlantic Canada, and the Prairies.
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More Rewards
The Pattison Group’s BC-based coalition program. Earns at Save-On-Foods, Buy-Low Foods, Quality Foods, and other BC and Alberta retailers. ~0.43¢/pt via travel portal, ~3.44% return at 8 pts/$ on groceries.
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Blue Rewards
The program formerly called Air Miles, rebranded June 1, 2026. Earn at Rexall, Pharmasave, Instacart, Porter Airlines, and on BMO credit cards; points do not expire. Fixed value: ~0.67¢ per point (1,500 pts = $10).
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Not sure which program fits your spending?
A free consultation matches your existing habits to the program and card that earns you the most.