The best credit cards for airport lounge access in Canada for 2026
February 2, 2026
Travel rewards credit cards offer more than just points and miles. While insurance coverage, car rental discounts, and checked baggage are all common benefits, one of the most sought after perks are credit cards with airport lounge access. Below, we cover the benefits of lounge access, how it works, and which credit cards offer lounge access as complimentary benefits.
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Best featured credit cards for airport lounge access
Featured
Scotiabank Passport Visa Infinite
Get 6 complimentary airport lounge visits per year through the Visa Airport Companion Program, with access to 1,200+ lounges worldwide. Earn up to $1,500 in first-year welcome offers, rewards, and savings, including up to 60,000 bonus Scene+ points.
Featured
BMO Ascend World Elite Mastercard
Enjoy 4 complimentary airport lounge passes per year through the Mastercard Travel Pass program, with access to 1,300+ lounges globally. Plus, earn 5x the points for every $1 spent on eligible travel purchases*.
Featured
CIBC Aventura Visa Infinite
Receive 4 complimentary airport lounge passes annually with access to 1,200+ lounges worldwide. Earn up to $1,500 in value, including a first-year annual fee rebate and welcome rewards through the CIBC Aventura program.
Credit cards with lounge access in Canada
| Lounge access credit card | Annual fee | Lounge access details | Best for |
| Scotiabank Passport Visa Infinite |
$150 | 6 included visits per year at 1,200 lounges worldwide | Frequent international travel |
|---|---|---|---|
| BMO Ascend World Elite Mastercard | $150 (first year fee waived) | 4 annual passes at over 1,300 lounges | Occasional travellers |
| CIBC Aventura Visa Infinite | $139 (first year fee rebated) | 4 annual passes at over 1,200 lounges | Lower annual fee |
| American Express The Platinum Card | $799 | Free, unlimited lounge visits at over 1,400 lounges | Unlimited lounge access |
| TD Aeroplan Visa Infinite Privilege | $599 | Free access to Air Canada’s Maple Leaf Lounges in Canada or the United States including International Maple Leaf Lounges when travelling internationally (flight must be with Star Alliance or Air Canada-affiliated airlines) Plus 6 annual passes at select Visa Airport Companion Program lounges |
Air Canada loyalists |
| RBC Avion Visa Infinite Privilege | $399 |
6 annual passes at over 1,200 lounges | Extra lounge passes |
What are the benefits of airport lounge access credit cards?
Some travel credit cards include airport lounge access as part of their benefits, meaning cardholders can enter select airport lounges without having to purchase a pass each time they travel. In Canada, credit cards with lounge access can provide complimentary airport lounge visits, allowing travellers to avoid crowded gates and spend time in more comfortable spaces before a flight or during a layover.
With an airport lounge access credit card, travellers may receive:
- A quieter, more comfortable place to wait, away from busy terminal seating areas
- Complimentary food and drinks, which can range from coffee and light snacks to full meals and alcoholic beverages, depending on the lounge
- Free Wi-Fi and charging stations, making it easier to work, stream, or stay connected while travelling
- Comfortable seating and rest areas, with select lounges offering reclining chairs or designated quiet zones
- Shower facilities at select locations, which can be especially helpful during long layovers or international trips
Most airport lounges operate around flight schedules, opening early in the morning and closing late at night to accommodate departing and connecting passengers.
It’s important to note that not all airport lounge access credit cards offer the same level of access. Some credit cards include unlimited lounge visits, others provide a limited number of complimentary passes each year, and some only grant access to specific lounge networks or airline lounges. Understanding these differences is key to choosing the best credit card for airport lounge access based on how often (and how luxuriously) you travel.
Types of airport lounge programs
Airport lounge access credit cards don’t all work the same way. Most cards provide access through one or more lounge programs, each with its own network size, rules, and level of exclusivity. In Canada, credit card lounge access generally falls into three main categories.
Third-party airport lounge networks
Many credit cards include access to large, independent lounge networks such as Priority Pass and Mastercard Airport Experiences by LoungeKey. These programs operate similarly and often provide access to the same lounges around the world.
The main advantage of third-party lounge networks is coverage. Priority Pass, for example, offers access to more than 1,200 lounges globally, while LoungeKey provides access to over 1,000. These lounges are typically airline-operated or independently run and offer a comfortable place to relax, eat, and recharge before a flight. However, amenities can vary by location, and access is often limited to a certain number of visits per year when provided through a credit card.
Best for: Travellers who fly through multiple airports or airlines and want broad, flexible lounge access.
Airline-specific airport lounges
Some premium credit cards offer access to airline-specific lounges, most notably Air Canada Maple Leaf Lounges. These lounges are operated directly by the airline and are primarily intended for business-class passengers, elite status holders, and paid members.
Credit card access to airline lounges is usually more restricted than third-party lounge access, but it can be especially valuable for travellers who frequently fly with the same airline. In the case of Maple Leaf Lounges, access is available at select locations in Canada, the United States, and Europe when flying with Air Canada or Star Alliance-affiliated airlines.
Best for: Loyal Air Canada (or other) travellers who regularly fly with the same airline.
Credit card-exclusive airport lounges
A small number of premium cards provide access to lounges that are exclusive to cardholders. The most well-known examples are American Express Centurion Lounges, which are generally considered more upscale and less crowded than many third-party lounges.
Centurion Lounges are located in select airports, primarily in the United States, with limited international locations. Access is restricted to eligible American Express cardholders, making these lounges a more exclusive benefit that typically comes with higher annual fees.
Best for: Frequent travellers who value premium amenities and primarily travel through major airports.
How to access airport lounges in Canada
Airport lounges aren’t typically open to the general public, but there are several ways travellers can gain entry. The best option depends on how often you travel, which airports you fly through, and whether you prefer occasional access or a more long-term solution.
Pay per visit lounge access
Some airport lounges sell day passes that allow one-time entry, usually for a fixed fee. While this can work for infrequent travellers, it’s often the most expensive option over time. Day passes can cost anywhere from $30 to $70 per person, per visit, and availability isn’t guaranteed during peak travel periods.
This option may make sense if you only travel once or twice per year and don’t want to commit to an annual membership or premium credit card.
Buy an airport lounge membership directly
Another option is to purchase a lounge membership through a third-party program or airline lounge network. For example, travellers can buy a membership with programs like Priority Pass, which provides access to a large global network of airport lounges.
Direct memberships usually involve an annual fee, with lounge visits either discounted or charged at a reduced per-visit rate. While this approach offers more flexibility than day passes, the total cost can still add up quickly for frequent travellers.
Get a credit card with lounge access
For many travellers, the most cost-effective way to access airport lounges is through a credit card with lounge access. Many premium travel credit cards in Canada include lounge access as part of their benefits, either through complimentary lounge passes, a free lounge membership, or unlimited visits to select lounges.
Compared to paying per visit or buying a membership separately, a credit card can offer better overall value—especially when lounge access is combined with other travel perks such as travel insurance, points or miles, and airport-related benefits. However, lounge access varies by card, with differences in the number of included visits, eligible lounge networks, and guest policies.
Are airport lounge access credit cards worth it?
Whether airport lounge access is worth it depends on how often you travel and how you prefer to access lounges. While paying per visit or buying a lounge membership can work in certain situations, lounge access credit cards are often the most cost-effective option for frequent or semi-frequent travellers.
When airport lounge access credit cards are worth it
A credit card with lounge access may be a good fit if you:
- Fly a few times per year or more and regularly face long waits at the airport
- Travel internationally or have layovers where lounge access can make a noticeable difference
- Prefer having lounge access included with other travel benefits, such as travel insurance and rewards
- Want predictable access without having to purchase passes each time you travel
In these cases, the value of complimentary lounge visits, combined with other card perks, can outweigh the card’s annual fee.
When another option may make more sense
Paying per visit or purchasing a lounge membership directly may be a better choice if you:
- Travel very infrequently and don’t expect to use lounge access more than once or twice per year
- Prefer flexibility and don’t want to commit to a premium credit card
- Fly primarily through airports with limited lounge options
For occasional travellers, the cost of an annual fee may outweigh the value of lounge access alone.
Which airport lounge access option is best for you?
Paying per visit tends to work best for infrequent travellers who only want airport lounge access once in a while and don’t mind paying a higher cost for occasional use. Lounge memberships can be a better fit for travellers who want broader access to multiple lounges but prefer not to open a new credit card or pay a premium annual fee for card benefits they may not use. For many travellers, however, credit cards with lounge access offer the best overall value, especially for those who travel a few times per year and want lounge access bundled with other travel perks such as insurance, rewards, and airport-related benefits.
FAQ
Which credit card gives airport lounge access in Canada?
Several credit cards give airport lounge access in Canada, either by providing a complimentary membership or both a membership and complimentary lounge passes. For a moderate annual fee, the Scotiabank Passport Visa Infinite offers a good amount of annual lounge passes around the globe. If you want unlimited airport lounge access, consider either American Express The Platinum card, or if you fly with Air Canada and affiliated airlines, the TD Aeroplan Visa Infinite Privilege
What credit card gets you into the Air Canada lounge?
The TD Aeroplan Visa Infinite Privilege is the main credit card that provides access to Air Canada Maple Leaf Lounges in Canada when you’re flying with Air Canada or Star Alliance-affiliated airlines. Access through a credit card is typically limited to premium travel cards, making this option best suited to frequent Air Canada travellers who regularly fly within Canada or internationally.
Do I need to pay for airport lounge access with a credit card?
In many cases, airport lounge access is included as part of a credit card’s benefits, meaning you don’t have to pay a fee each time you enter a lounge. However, access is usually limited to a certain number of complimentary visits per year unless the card offers unlimited access. Once those visits are used, additional lounge entries may require a fee.
How many times can I access an airport lounge with a credit card?
The number of lounge visits you can make depends on the specific credit card you have. Some cards include a fixed number of complimentary lounge passes each year, while others offer unlimited access to certain lounge networks. Entry limits, guest access, and eligible lounges can all vary by card and by lounge program.
Can I bring guests into an airport lounge with a credit card?
Guest access depends on the credit card and lounge program. Some credit cards allow cardholders to bring guests for free or at a discounted rate, while others charge a per-guest fee. In many cases, guest privileges count toward your total number of included lounge visits, so it’s important to check the specific terms of your card before travelling.
Best airport lounge access credit cards
Scotiabank Passport Visa Infinite
Best for Travel perks
based on spending $2,200/mo after $150 annual fee
- Earn rewards
1pt – 3pts / dollar spent
- Annual fee
$150
Perks of the Scotiabank Passport™ Visa Infinite* Card
| Perks | Details | |
|---|---|---|
| Lounge access | Includes 6 lounge passes per year | You’ll gain complimentary passes to airport lounges. The number of passes and lounges you have access to will vary. |
| No foreign exchange fees | Included | A surcharge that credit card holders pay for purchases made in a foreign currency (typically 2.5%). |
| Travel accident insurance | $500,000 per person ($1 million total) | If you suffer a loss as a result of an accidental bodily injury sustained while occupying a common carrier, you are eligible for this coverage. |
| Travel emergency medical | $2,000,000 for 25 days (under 65) | If you require urgent medical care while on a trip outside of your home province, you will be covered for any eligible medical expenses incurred. |
| Car rental insurance | MSRP of up to $65,000, for 48 days | Credit card rental car insurance usually covers theft, loss and damage to your rental car in the case of an accidental collision. |
| Trip cancellation | Up to $1,500 per insured person / $10,000 per trip | If you have to cancel your trip before it’s even started, your prepaid travel costs will be covered up to a maximum amount if the cause of cancellation is eligible for the insurance. |
| Trip interruption | Up to $2,500 per insured person / $10,000 per trip | If your trip has to be cut short or is delayed after the scheduled departure date, you will be covered up to a maximum amount for an eligible cause of interruption or delay. |
| Flight delay insurance | Up to $500 coverage per person | If your flight departure is delayed by a certain number of hours, you’ll be reimbursed a certain amount for necessary and reasonable expenses. |
| Baggage loss insurance | Combined maximum $1,000 | If your checked bag cannot be located by a common carrier, you’ll be reimbursed for a portion of the replacement cost of lost personal property. |
| Baggage delay insurance | Up to $1,000; delays over 4 hours | If your checked bag is not delivered within a specified time upon your arrival, you’ll be reimbursed for the cost to replace essential items. |
| Hotel/motel burglary | Up to a maximum of $1,000 | Provides protection, while you’re checked in, for your personal belongings when left unattended in your room up to a certain dollar amount. |
| Mobile insurance | Not included | Reimburses a portion of your cell phone in the event it’s damaged or lost. Device coverage is limited to a certain period of time after purchasing with your credit card. |
| Purchase assurance | $60,000 lifetime limit | Automatically protects new purchases by insuring them for 90 days from the date of purchase in the event of loss, theft or damage. |
| Extended warranty | Up to one additional year | Either doubles the length of the item’s manufacturer’s warranty coverage or extends it by 1 year, whichever is less. |
| Price protection | Included | If, within a certain amount of time of purchasing an item, its price drops or you find an identical item offered for a lower retail price than what you paid, you will be reimbursed for the difference. |
Other perks
Ratehub.ca’s 2024 Credit Card Award Winner
- Earn up to $1,500 in first year welcome offers, rewards and savings, including up to 60,000 bonus Scene+ points¹
- Earn 3x Scene+ points¹ on every $1 you spend at Sobeys, Safeway, IGA, Foodland and participating
Co-ops and more - Earn 2x Scene+ points¹ for every $1 you spend on other eligible grocery stores, dining, eligible entertainment purchases and eligible daily transit options (including rideshares, buses, subways taxis and more)
- Plus earn 1 Scene+ point for every $1 spent on all other eligible everyday purchases
- Earn additional benefits + up to 3X Scene+ points for every dollar you spend on hotel bookings, car rentals, and things to do with Scene+ Travel, Powered by Expedia
- No Foreign Transaction Fee
- 6 Complimentary Airport Lounge Access
- Comprehensive Travel Insurance coverage
- Visa Infinite* Concierge Services
- Visa Infinite* Hotel Collection
- Visa Infinite* Dining and Wine Country program
- Rates, fees and other information are effective as of Jan 2, 2026. Subject to change.
Ratehub’s take
The Scotiabank Passport Visa Infinite card makes a great vacation companion, designed for Canadians who travel abroad and explore the world. It is one of the few cards that covers foreign transaction fees, and also includes valuable travel benefits like airport lounge access.
Pros
- No foreign transaction fee: Save 2.5% on all non-Canadian currency purchases
- Scene+ points: Earn three Scene+ points per $1 spent at participating grocery stores (e.g., Sobey’s, IGA, and FreshCo) and two Scene+ points per $1 spent on eligible grocery, dining, entertainment, and daily transit purchases
- Flexible redemption: Enjoy flexible point redemption options including for travel, groceries, statement credits, gift cards, and movie tickets
- Airport lounge access: Access airport lounges with six free visits per year to over 1,200 lounges worldwide
- Visa Infinite benefits: Benefit from the Visa Infinite Luxury Hotel Collection, Visa Infinite Dining series, and complimentary Avis Preferred Plus membership
- Comprehensive travel insurance: Enjoy coverage for emergency medical, trip cancellation/interruption, flight delays, and more
Cons
- Annual fee: The annual fee of $150 is higher than some comparable cards
- Low point return: The earn rate for certain spending categories like dining and entertainment is lower compared to other cards
- Consistent point values: Travel points are always worth one cent per point and you can’t transfer your points to other airline rewards programs like you can with some Amex cards
Eligibility requirements
Minimum credit score: 725
Minimum income: $60,000/yr
Interest rates
Purchase interest: 20.99%
Cash advance: 22.99%
Balance transfer: 22.99%
BMO Ascend World Elite Mastercard
Best for Travel perks
based on spending $2,200/mo after $150 annual fee
- Earn rewards
1pt – 5pts / dollar spent
- Annual fee
$150 $0 first year waived
Perks of the BMO Ascend™ World Elite®* Mastercard®*
| Perks | Details | |
|---|---|---|
| Lounge access | Complimentary membership in Mastercard Travel Pass provided by DragonPass, with four annual complimentary passes | You’ll gain complimentary passes to airport lounges. The number of passes and lounges you have access to will vary. |
| No foreign exchange fees | Not included | A surcharge that credit card holders pay for purchases made in a foreign currency (typically 2.5%). |
| Travel accident insurance | Up to $500,000 per insured person | If you suffer a loss as a result of an accidental bodily injury sustained while occupying a common carrier, you are eligible for this coverage. |
| Travel emergency medical | $5,000,000 for first 21 days (under 65) | If you require urgent medical care while on a trip outside of your home province, you will be covered for any eligible medical expenses incurred. |
| Car rental insurance | MSRP of up to $65,000, for 48 days | Credit card rental car insurance usually covers theft, loss and damage to your rental car in the case of an accidental collision. |
| Trip cancellation | Up to $1,500 per person | If you have to cancel your trip before it’s even started, your prepaid travel costs will be covered up to a maximum amount if the cause of cancellation is eligible for the insurance. |
| Trip interruption | Up to $2,000 per person | If your trip has to be cut short or is delayed after the scheduled departure date, you will be covered up to a maximum amount for an eligible cause of interruption or delay. |
| Flight delay insurance | Up to a maximum of $500 per trip for all insured persons combined, in the event of a flight delay of more than four (4) hours | If your flight departure is delayed by a certain number of hours, you’ll be reimbursed a certain amount for necessary and reasonable expenses. |
| Baggage loss insurance | up to $500 per insured person to a maximum of $1,000 per trip for all insured persons combined | If your checked bag cannot be located by a common carrier, you’ll be reimbursed for a portion of the replacement cost of lost personal property. |
| Baggage delay insurance | up to $500 per insured person, to a maximum of $1,000 per trip for all insured persons combined, for the purchase of essential items; 6 hours or more | If your checked bag is not delivered within a specified time upon your arrival, you’ll be reimbursed for the cost to replace essential items. |
| Hotel/motel burglary | Up to $1,000 per occurrence for all insured persons combined | Provides protection, while you’re checked in, for your personal belongings when left unattended in your room up to a certain dollar amount. |
| Mobile insurance | Not included | Reimburses a portion of your cell phone in the event it’s damaged or lost. Device coverage is limited to a certain period of time after purchasing with your credit card. |
| Purchase assurance | Covered for 90 days | Automatically protects new purchases by insuring them for 90 days from the date of purchase in the event of loss, theft or damage. |
| Extended warranty | Up to one additional year | Either doubles the length of the item’s manufacturer’s warranty coverage or extends it by 1 year, whichever is less. |
| Price protection | Not included | If, within a certain amount of time of purchasing an item, its price drops or you find an identical item offered for a lower retail price than what you paid, you will be reimbursed for the difference. |
Other perks
- 5x the points for every $1 spent on eligible travel purchases,* 3x the points for every $1 spent on eligible dining and entertainment purchases and recurring bill payments,* 1 point for every $1 spent everywhere else.*
- Complimentary membership in Mastercard Travel Pass provided by DragonPass,* with four annual complimentary passes.
- Extended Warranty*
- Purchase Protection*
- BMO Ascend World Elite Total Travel and Medical Protection:
Get Collision Damage Waiver benefits on rental cars, 21 days of Out-of-Province/Out-of-Country Emergency Medical coverage of up to $5 million, and more.* - Enjoy six months of Instacart+ and a $10 monthly Instacart credit when you enroll your eligible BMO Credit Card.*
- Cash Advance & Balance Transfer Interest: 21.99% for Quebec residents
- 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
Ratehub’s take
The BMO Ascend World Elite Mastercard is a top choice among seasoned travellers, particularly those who prefer a Mastercard, and who like to frequently fly and dine out. This card offers a suite of perks that cater to travel enthusiasts.
Pros
- Earn points: Earn three points per $1 spent on restaurant, entertainment purchases, and recurring bills, and one point per $1 spent on everything else
- Comprehensive insurance package: Recognized for one of the best insurance packages in the market, including $5 million in out-of-country insurance, exceeding the standard $1 million in coverage offered by most other cards
- 24/7 concierge services: Enjoy around-the-clock concierge services for your travel needs
- Airport lounge access: Receive complimentary membership in Mastercard Travel Pass, including four annual complimentary passes
- Redemption flexibility: Enhanced flexibility to redeem points for flights on virtually any airline with no blackout dates (points can be used to cover taxes and fees as well)
Cons
- Income requirements: The card’s minimum personal income of $80,000 may limit accessibility for some users
- Lower point value: While BMO points are flexible, they are worth less than other travel rewards programs (usually around 1 cent per point) at 0.67 cents per point
Eligibility requirements
Minimum credit score: 725
Minimum income: $80,000/yr
Interest rates
Purchase interest: 21.99%
Cash advance: 23.99%
Balance transfer: 23.99%
CIBC Aventura Visa Infinite Card
Best for Travel
based on spending $2,200/mo after the annual fee
- Earn rewards
1pt – 2pts / dollar spent
- Welcome bonus
Earn up to 45,000 points (a $900 value)
- Annual fee
see Details
Perks of the CIBC Aventura® Visa Infinite* Card
| Perks | Details | |
|---|---|---|
| Lounge access | Included | You’ll gain complimentary passes to airport lounges. The number of passes and lounges you have access to will vary. |
| No foreign exchange fees | Not included | A surcharge that credit card holders pay for purchases made in a foreign currency (typically 2.5%). |
| Travel accident insurance | Up to $500,000 | If you suffer a loss as a result of an accidental bodily injury sustained while occupying a common carrier, you are eligible for this coverage. |
| Travel emergency medical | Up to $5,000,000 for 15 days (under 65) | If you require urgent medical care while on a trip outside of your home province, you will be covered for any eligible medical expenses incurred. |
| Car rental insurance | MSRP of up to $65,000 for 48 days | Credit card rental car insurance usually covers theft, loss and damage to your rental car in the case of an accidental collision. |
| Trip cancellation | Up to $5,000 per occurrence | If you have to cancel your trip before it’s even started, your prepaid travel costs will be covered up to a maximum amount if the cause of cancellation is eligible for the insurance. |
| Trip interruption | Up to $2,000 per occurrence | If your trip has to be cut short or is delayed after the scheduled departure date, you will be covered up to a maximum amount for an eligible cause of interruption or delay. |
| Flight delay insurance | Up to $500 per occurrence | If your flight departure is delayed by a certain number of hours, you’ll be reimbursed a certain amount for necessary and reasonable expenses. |
| Baggage loss insurance | Up to $1,000 per occurrence | If your checked bag cannot be located by a common carrier, you’ll be reimbursed for a portion of the replacement cost of lost personal property. |
| Baggage delay insurance | Up to $1,000 per occurrence | If your checked bag is not delivered within a specified time upon your arrival, you’ll be reimbursed for the cost to replace essential items. |
| Hotel/motel burglary | Not included | Provides protection, while you’re checked in, for your personal belongings when left unattended in your room up to a certain dollar amount. |
| Mobile insurance | Up to $1,000 per occurrence | Reimburses a portion of your cell phone in the event it’s damaged or lost. Device coverage is limited to a certain period of time after purchasing with your credit card. |
| Purchase assurance | Up to 90 days | Automatically protects new purchases by insuring them for 90 days from the date of purchase in the event of loss, theft or damage. |
| Extended warranty | One additional year | Either doubles the length of the item’s manufacturer’s warranty coverage or extends it by 1 year, whichever is less. |
| Price protection | Included | If, within a certain amount of time of purchasing an item, its price drops or you find an identical item offered for a lower retail price than what you paid, you will be reimbursed for the difference. |
Other perks
- This offer is not available for the residents of Quebec.
- Welcome Offer: Join and earn up to $1,500 in value including a first year annual fee rebate!† Here’s how you can earn up to $1,500 in value
- Get up to 45,000 Aventura Points (up to $ 900 in travel value†):
- 15,000 Aventura Points when you make your first purchase†
- 30,000 Aventura Points when you spend $3,000 or more in the first 4 monthly statement periods†
- Get a one-time annual fee rebate ($139) for you (the primary cardholder) and up to three authorized users ($50 each): up to $189 value.†
- Elevate your airport experience with 4 complimentary visits at 1,200+ lounges globally through Visa Airport Companion Program: up to $277 in value.†
- Plus, get a NEXUS◊ Application Fee rebate†: A $160 value†
- Plus, enjoy extra valuable travel benefits.
- Travel when it’s right for you – your Aventura Points don’t expire†
- Redeem your Aventura Points for more than travel with our Shop With Points/Pay with Points features†
- Travel local – Aventura Points can be redeemed for more than just flights – use your points for hotels and car rentals for a weekend getaway
- 2 points for every $1 spent on travel purchased through the CIBC Rewards Centre†
- 1.5 points for every $1 spent at eligible gas stations, EV charging, grocery stores and drug stores†
- 1 point for every $1 spent on all other purchases†
- Save over $600 with CIBC and Skip
Get a 12-month Skip+ free trial and other exclusive benefits when you link your CIBC Aventura Visa Infinite Card with Skip.† - Save on gas with CIBC and Journie Rewards Link and use your CIBC Aventura Visa Infinite Card with Journie Rewards to save up to 10 cents per litre† at participating Pioneer, Fas Gas, Ultramar and Chevron gas stations.†
- This is a digital-exclusive offer.†
- To be eligible for this offer, 1) this offer must have been directly communicated to you from CIBC or from a partner/affiliate; and 2) you must apply for the eligible card through the link provided in the CIBC or partner/affiliate communication to you.† This offer is reserved for you. Please do not forward it to anyone else.
- CIBC may approve your application, but you are not eligible to receive this Offer if you have opened, transferred or cancelled another Aventura card within the last 12 months.†
- †Terms and Conditions Apply. Select Apply Now to learn more.
Ratehub’s take
The CIBC Aventura Visa Infinite card really ramps up rewards for everyday purchases such as gas and groceries. It also provides extensive insurance coverage, lounge access, and a Nexus rebate, proving to be a great travel companion for travelers.
Pros
- Access to airport lounges: Enjoy four complimentary visits at over 1,200 lounges globally through the Visa Airport Companion Program
- Extensive insurance coverage: Enjoy a comprehensive insurance package from mobile device insurance to emergency travel medical insurance
- Additional rebates and perks: Receive a NEXUS application fee rebate
Cons
- Low point earn rate: Other rewards cards offer higher points per spending category
- Income requirement: A minimum personal income of $60,000 may may be prohibitive to some
- Annual Fee: An annual fee of $139 is high compared to others on the market
- Limited travel redemption options: You’ll have to use the CIBC Rewards Centre to book travel with your points, whereas with other cards you can experiment with other providers and platforms to get the most value
Eligibility requirements
Minimum credit score: 725
Minimum income: $60,000/yr
Interest rates
Purchase interest: 21.99%
Cash advance: 22.99%
Balance transfer: 22.99%
Annual fee
$139
American Express Platinum Card
Best for Premium perks
based on spending $2,200/mo after $799 annual fee
- Earn rewards
1pt – 2pts / dollar spent
- Welcome bonus
Earn up to 70,000 points (a $700 value)
- Anniversary bonus
Earn up to 30,000 points (a $300 value)
- Annual fee
$799
Perks of the American Express® The Platinum Card®
| Perks | Details | |
|---|---|---|
| Lounge access | Complimentary access; 1,400 lounges | You’ll gain complimentary passes to airport lounges. The number of passes and lounges you have access to will vary. |
| No foreign exchange fees | Not included | A surcharge that credit card holders pay for purchases made in a foreign currency (typically 2.5%). |
| Travel accident insurance | $500,000 per person | If you suffer a loss as a result of an accidental bodily injury sustained while occupying a common carrier, you are eligible for this coverage. |
| Travel emergency medical | $5,000,000 for first 15 days (under 65) | If you require urgent medical care while on a trip outside of your home province, you will be covered for any eligible medical expenses incurred. |
| Car rental insurance | MSRP of up to $85,000, for 48 days | Credit card rental car insurance usually covers theft, loss and damage to your rental car in the case of an accidental collision. |
| Trip cancellation | $2,500 per person, $5,000 per trip | If you have to cancel your trip before it’s even started, your prepaid travel costs will be covered up to a maximum amount if the cause of cancellation is eligible for the insurance. |
| Trip interruption | $2,500 per person, $6,000 per trip | If your trip has to be cut short or is delayed after the scheduled departure date, you will be covered up to a maximum amount for an eligible cause of interruption or delay. |
| Flight delay insurance | Up to $1,000; delays over 4 hours | If your flight departure is delayed by a certain number of hours, you’ll be reimbursed a certain amount for necessary and reasonable expenses. |
| Baggage loss insurance | Combined maximum $1,000 | If your checked bag cannot be located by a common carrier, you’ll be reimbursed for a portion of the replacement cost of lost personal property. |
| Baggage delay insurance | Up to $1,000; delays of 6 hours or more | If your checked bag is not delivered within a specified time upon your arrival, you’ll be reimbursed for the cost to replace essential items. |
| Hotel/motel burglary | Included | Provides protection, while you’re checked in, for your personal belongings when left unattended in your room up to a certain dollar amount. |
| Mobile insurance | Not included | Reimburses a portion of your cell phone in the event it’s damaged or lost. Device coverage is limited to a certain period of time after purchasing with your credit card. |
| Purchase assurance | Up to $1,000 within 120 days | Automatically protects new purchases by insuring them for 90 days from the date of purchase in the event of loss, theft or damage. |
| Extended warranty | Up to one additional year | Either doubles the length of the item’s manufacturer’s warranty coverage or extends it by 1 year, whichever is less. |
| Price protection | Included | If, within a certain amount of time of purchasing an item, its price drops or you find an identical item offered for a lower retail price than what you paid, you will be reimbursed for the difference. |
Other perks
- Ratehub.ca’s 2023 Award Winner – Best Perks Credit Card
- Unlock special experiences with the Platinum Card®
- Earn up to 100,000 Membership Rewards® points – that’s up to $1,000 towards a weekend away
- New Platinum® Cardmembers, earn 70,000 Welcome Bonus points after you charge $10,000 in net purchases to your Card in your first 3 months of Cardmembership
- Plus, earn 30,000 points when you make a purchase between 15 and 17 months of Cardmembership
- Earn 2 points for every $1 in Card purchases on eligible dining and food delivery in Canada, 2 points for every $1 in Card purchases on eligible travel, and 1 point for every $1 in all other Card purchases
- Access a $200 Annual Travel Credit through American Express Travel Online or Platinum® Card Travel Service
- Enjoy a $200 Annual Dining Credit at some of Canada’s best restaurants
- Unlock $200 or more in additional value with Member extras. You can earn statement credits for qualifying purchases with participating brands
- Take full advantage of The American Express Global Lounge CollectionTM which unlocks access to over 1,400 airport lounges worldwide. This includes The Centurion® Lounge network, Plaza Premium Lounges, and hundreds of other domestic and international lounges designed to enhance your travel experience. Terms and Conditions apply
- Enjoy flexible ways to use your points such as statement credits for any eligible purchase charged to your Card, new travel purchases booked on American Express Travel Online through the Flexible Points Travel Program, and eligible flights through the Fixed Points Travel Program
- Transfer points 1:1 to several frequent flyer and other loyalty programs
- Enjoy complimentary benefits that offer an average value of $550 USD at over 1,600 extraordinary properties worldwide when you book Fine Hotels + Resorts
- Platinum Cardmembers can enjoy access to special events and unique opportunities
- Enjoy premium benefits at the Toronto Pearson Airport
- You will also have access to many leading hotel and car rental companies’ loyalty programs. Our partners include Marriott International, Hilton Hotels and Resorts, Hertz and Avis
- Interest applies in accordance with your Cardmember Agreement, Information Box, and Disclosure statement if the total New Balance is not paid by the Payment Due Date each month. All payments must be received by the Payment Due Date shown on the monthly statement
- American Express 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. If you apply and get approved for an American Express Card, (I/we) may receive compensation from American Express, which can be in the form of monetary payment
Ratehub’s take
While the American Express Platinum card’s annual fee is steep, the premium travel perks arguably outweigh the cost to use it. You’ll enjoy free, unlimited airport lounge access (while most other cards only offer a free membership or a few passes per year), hotel upgrades, a valuable annual travel and dining credit, and more.
Pros
- Unlimited lounge access: Enjoy free, unlimited lounge visits at over 1,400 lounges across the world with the
- American Express Global lounge collection
- Strong travel insurance offering: Includes everything from out-of-province emergency medical to $500,000 travel accident insurance
- Stretch your points values further: Transfer points to other travel loyalty programs at a 1:1 ratio for increased value and flexibility
- Upgraded gold hotel status with Marriott Bonvoy and Hilton Honors and deals on car rentals through American Express Online
Cons
- Very high annual fee
- Doesn’t waive foreign transaction fees, which can really add up when you’re traveling
- This is a charge card, so you’ll have to pay off whatever you spend in full each month or face a high interest rate
- American Express isn’t as widely accepted in Canada compared to Visa and Mastercard
Eligibility requirements
Minimum credit score: 725
Minimum income: N/A
Interest rates
Purchase interest: N/A
Cash advance: N/A
Balance transfer: N/A
TD Aeroplan Visa Infinite Privilege
based on spending $2,200/mo after $599 annual fee
- Earn rewards
1.25pts – 2pts / dollar spent
- Welcome bonus
Earn up to 55,000 points (a $1,100 value)
- Anniversary bonus
Earn up to 30,000 points (a $600 value)
- Annual fee
$599
Perks of the TD® Aeroplan® Visa Infinite Privilege* Card
| Perks | Details | |
|---|---|---|
| Lounge access | Included | You’ll gain complimentary passes to airport lounges. The number of passes and lounges you have access to will vary. |
| No foreign exchange fees | Not included | A surcharge that credit card holders pay for purchases made in a foreign currency (typically 2.5%). |
| Travel accident insurance | Included | If you suffer a loss as a result of an accidental bodily injury sustained while occupying a common carrier, you are eligible for this coverage. |
| Travel emergency medical | Included | If you require urgent medical care while on a trip outside of your home province, you will be covered for any eligible medical expenses incurred. |
| Car rental insurance | Included | Credit card rental car insurance usually covers theft, loss and damage to your rental car in the case of an accidental collision. |
| Trip cancellation | Included | If you have to cancel your trip before it’s even started, your prepaid travel costs will be covered up to a maximum amount if the cause of cancellation is eligible for the insurance. |
| Trip interruption | Included | If your trip has to be cut short or is delayed after the scheduled departure date, you will be covered up to a maximum amount for an eligible cause of interruption or delay. |
| Flight delay insurance | Included | If your flight departure is delayed by a certain number of hours, you’ll be reimbursed a certain amount for necessary and reasonable expenses. |
| Baggage loss insurance | Included | If your checked bag cannot be located by a common carrier, you’ll be reimbursed for a portion of the replacement cost of lost personal property. |
| Baggage delay insurance | Included | If your checked bag is not delivered within a specified time upon your arrival, you’ll be reimbursed for the cost to replace essential items. |
| Hotel/motel burglary | Included | Provides protection, while you’re checked in, for your personal belongings when left unattended in your room up to a certain dollar amount. |
| Mobile insurance | Included | Reimburses a portion of your cell phone in the event it’s damaged or lost. Device coverage is limited to a certain period of time after purchasing with your credit card. |
| Purchase assurance | Included | Automatically protects new purchases by insuring them for 90 days from the date of purchase in the event of loss, theft or damage. |
| Extended warranty | Included | Either doubles the length of the item’s manufacturer’s warranty coverage or extends it by 1 year, whichever is less. |
| Price protection | Not included | If, within a certain amount of time of purchasing an item, its price drops or you find an identical item offered for a lower retail price than what you paid, you will be reimbursed for the difference. |
Other perks
- Up to $3,000 in value† including up to 85,000 Aeroplan points† and additional travel benefits could be yours. Conditions Apply.
- Earn a welcome bonus of 20,000 Aeroplan points when you make your first purchase with your new card†
- Earn an additional 35,000 Aeroplan points when you spend $12,000 within 180 days of Account opening†
- Plus, earn a one-time anniversary bonus of 30,000 Aeroplan points when you spend $24,000 within 12 months of Account opening†
- Offer may be changed, withdrawn, or extended at any time and cannot be combined with any other offer unless otherwise indicated.
- Additional Travel Benefits
- Apply for the NEXUS program membership and once every 48 months get a partial application fee rebate (up to $100 CAD)†.
- Share first free checked bags with up to 8 travel companions† and get unlimited access to Maple Leaf Lounges† including complementary access for one guest.
- Plus, primary cardholders get 6 complimentary worldwide select airport lounge visits annually through the Visa Airport Companion Program†
- Earn Aeroplan Points on your everyday purchases
- Take advantage of an extensive suite of travel insurance.
- Get access to Priority Airport Services† like Priority Boarding, Priority Baggage Handling, and Priority Airport Standby & Priority Airport Upgrades†.
- Earn 2 points† for every $1 spent on eligible purchases made direct through Air Canada® purchases (including Air Canada Vacations®)
- Earn 1.5 points† for every $1 spent on eligible gas, electric vehicle charging, groceries, travel & transit and dining purchases.
- Earn 1.25 points† for every $1 spent on all other purchases made with your Card
- Earn points twice when you pay with your Card and provide your Aeroplan number at over 150 Aeroplan partner brands and at 200+ online retailers via the Aeroplan eStore (www.aeroplan.com/estore).
- This offer is not available for residents of Quebec
- †Terms and conditions apply.
- Financial institutions pay us for connecting them with customers, including by paying for advertisements, clicks, or when someone applies for/is approved for a product. Terms and conditions apply between you and the provider of the product – please be sure to review them. Product information and details vary for Quebec. The content provided on our site is for information only; it is not meant to be relied on or used in lieu of advice from a professional. Partners/Advertisers are not responsible for the accuracy of information on our site. However, not all products we list are tied to compensation for us. Our industry-leading education centres and calculators are available 24/7, free of charge, and with no obligation to purchase. To learn more, visit our About us page.
Ratehub’s take
The TD Aeroplan Visa Infinite Privilege is a premium travel rewards card that will get you access to airport lounges around the world, faster access to Aeroplan Elite Status, priority boarding and more. You’ll have to pay for these benefits with the high annual fee, but it might be worth the price for frequent fliers who appreciate luxury.
Pros
- Generous bonuses: Get both a generous welcome bonus and an anniversary bonus to multiply your Aeroplan rewards points (conditions apply)
- Travel insurance: Strong travel insurance package including travel medical and trip cancellation/interruption
- Wide array of travel perks: an annual round-trip companion pass from $99, free access to Air Canada’s Maple Leaf Lounges in Canada or the United States, priority airport check-in and baggage handling, and an annual fee rebate for NEXUS can every 48 months (up to $100 CAD).
Cons
- Annual fee: Steep annual fee of $599 can be too pricey for some users. However, the amount of perks and benefits offered make it well worth it for the right cardholder
- Mostly suited for loyal Air Canada customers: Those who fly other airlines or want more flexibility may want to look elsewhere
Eligibility requirements
Minimum credit score: 660
Minimum income: $150,000/yr
Interest rates
Purchase interest: 21.99%
Cash advance: 22.99%
Balance transfer: 22.99%
RBC Avion Visa Infinite Privilege
based on spending $2,200/mo after $399 annual fee
- Earn rewards
1.25pts / dollar spent
- Welcome bonus
Earn up to 55,000 points (a $1,178 value)
- Anniversary bonus
Earn up to 15,000 points (a $322 value)
- Annual fee
$399
Perks of the RBC Avion Visa Infinite Privilege
| Perks | Details | |
|---|---|---|
| Lounge access | Included | You’ll gain complimentary passes to airport lounges. The number of passes and lounges you have access to will vary. |
| No foreign exchange fees | Not included | A surcharge that credit card holders pay for purchases made in a foreign currency (typically 2.5%). |
| Travel accident insurance | Included | If you suffer a loss as a result of an accidental bodily injury sustained while occupying a common carrier, you are eligible for this coverage. |
| Travel emergency medical | Included | If you require urgent medical care while on a trip outside of your home province, you will be covered for any eligible medical expenses incurred. |
| Car rental insurance | Included | Credit card rental car insurance usually covers theft, loss and damage to your rental car in the case of an accidental collision. |
| Trip cancellation | Included | If you have to cancel your trip before it’s even started, your prepaid travel costs will be covered up to a maximum amount if the cause of cancellation is eligible for the insurance. |
| Trip interruption | Included | If your trip has to be cut short or is delayed after the scheduled departure date, you will be covered up to a maximum amount for an eligible cause of interruption or delay. |
| Flight delay insurance | Included | If your flight departure is delayed by a certain number of hours, you’ll be reimbursed a certain amount for necessary and reasonable expenses. |
| Baggage loss insurance | Included | If your checked bag cannot be located by a common carrier, you’ll be reimbursed for a portion of the replacement cost of lost personal property. |
| Baggage delay insurance | Included | If your checked bag is not delivered within a specified time upon your arrival, you’ll be reimbursed for the cost to replace essential items. |
| Hotel/motel burglary | Included | Provides protection, while you’re checked in, for your personal belongings when left unattended in your room up to a certain dollar amount. |
| Mobile insurance | Included | Reimburses a portion of your cell phone in the event it’s damaged or lost. Device coverage is limited to a certain period of time after purchasing with your credit card. |
| Purchase assurance | Included | Automatically protects new purchases by insuring them for 90 days from the date of purchase in the event of loss, theft or damage. |
| Extended warranty | Included | Either doubles the length of the item’s manufacturer’s warranty coverage or extends it by 1 year, whichever is less. |
| Price protection | Not included | If, within a certain amount of time of purchasing an item, its price drops or you find an identical item offered for a lower retail price than what you paid, you will be reimbursed for the difference. |
Other perks
- Get up to 70,000 Avion points* (a travel value of up to $1,500†).
- 70,000 Avion points* is enough for two roundtrip tickets to almost anywhere in
- Canada & the US (Alaska and Hawaii require more points). Taxes and fees extra.†
- 35,000 Avion Points on approval*
- 20,000 bonus points when you spend $5,000 in your first 6 months*
- 15,000 one-time anniversary bonus points after 12 months of account opening*
- Earn 1.25 Avion point for every dollar you spend.1
- Enjoy six complimentary global airport lounge access passes5 ($375 value^). Plus take advantage of security fast track lanes and parking benefits at select Canadian airports5
- Book flights on any airline, on any flight, at any time3. You can also use your points to redeem for vacation packages, hotels, cruises and tours3.
- Pick any seat you want from 500+ airlines – with no seat restrictions or blackout periods, even during peak seasons.
- Access more of the world with your 24/7 Visa Infinite Privilege Concierge
- Avion Infinite Privilege card holders have access to book business or first class at a rate of 100 points for $23.
- Redeem your points for travel and more. Use points for anything from paying bills and paying your card balance to redeeming for Gift Cards and Merchandise at top brands like Apple. The Avion Rewards program gives you the freedom of choice to use your points your way, and helps you make the most as an Avioner
- Eligible Avion Rewards members can also convert points to other loyalty programs including WestJet dollars and, British Airways Avios.
- Link your RBC card with a Petro-Points membership to instantly save 3₵ per litre on fuel at Petro-Canada stations and earn 20% more Petro-Points and 20% more Avion points.
- Link your RBC card with a Rexall Be Well account and get 50 Be Well points for every $1 spent on eligible products at Rexall. Redeem Be Well points faster for savings in store on eligible purchases where 25,000 Be Well points = $10
- Get access to RBC offers which provides access to earn points faster at specified brands.
- Avioners get access to luxury Visa Infinite benefits including first in line for exclusive events, and hotel and dining benefits.
- Flexibility to book flights last-minute: up to 24hrs before departure.
- Extensive insurance coverage
- Mobile Device Insurance included – up to $1,50012
- Travel with ease with trip cancellation12 and trip interruption12 insurance, and emergency medical12.
- Plus, eligible purchases12 made on the card are protected.
- Extensive insurance including: mobile device insurance, travel insurance (trip cancellation, interruption and emergency medical) and other eligible purchases to protect you and your family
- Get $0 delivery fees for 12 months from DoorDash18
Add your credit card to your DoorDash account and get a free 12-month DashPass subscription18.
Ratehub’s take
The RBC Avion Visa Infinite Privilege is your ticket to luxury travel perks, including airport lounge access, flexible travel point rewards and a full travel insurance package. It is worth noting, however, that the points earning rate could be higher for the annual fee.
Pros
- Airport lounge access: When you register with the Visa Airport Companion program, get 6 annual airport lounge passes, available at 1,200 lounges around the world
- Valuable rewards points: RBC points are extremely valuable when booked for flights and other travel redemptions through the Avion Rewards center
- Generous welcome bonus: The welcome bonus may be enough to cover a flight through the Avion Rewards centre
Cons
- Points earning rate: The base rate of 1.25 points per dollar could be higher compared to other cards with a similar annual fee
- High annual fee: The annual fee is quite high and you’d need to be a frequent flier or really value luxury to get the most out of this card
Eligibility requirements
Minimum credit score: 760
Minimum income: $200,000/yr
Interest rates
Purchase interest: 20.99%
Cash advance: 22.99%
Balance transfer: 22.99%
If you already have a credit card that offers lounge access, or you’re considering one of the credit cards above, the bottom line is that lounge access is one of life’s little pleasures, and if you have the option, make the most of it!