Best Travel Credit Cards in Canada

Do you want to travel more for less? Use a travel rewards credit card for your everyday purchases to earn travel points, which can later be redeemed for flights, hotels and a number of other related expenses. Input your spending, then compare, find and apply for the best travel rewards credit card in Canada.

Credit Cards that are eligible for a promotional offer are marked throughout the comparison chart with a promotional offer icon such as or . Click this box to show only Credit Cards that contain free promotional offers. For gift card FAQs and Terms & Conditions click here.
Some credit cards come with an annual fee and some do not. The general rule for this is that the greater the rewards, the larger the annual fee. The annual fee is charged once per year and is added to your credit card statement. If you don't mind paying an annual fee, select I don't mind. If you'd prefer not to pay to use a credit card, select None. Some rewards credit cards have an annual income requirement. Enter either your personal or household annual income here, as it may affect which credit cards you are able to apply for.

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What type of rewards do you want to earn for every dollar you spend? Is cash back important to you? Would you prefer gift cards or store credit? What about free flights and hotels? Think about what's most important to you and what would help your budget the most, then look for the best cards to offer that reward. Do you have a preference of whether you want a Visa, MasterCard or American Express card? Select which network you'd prefer, or select "All" if you don't have a preference.
There are a number of lenders and companies that issue credit cards - and they aren't just financial institutions. If you would prefer to get a credit card from one specific credit card issuer, choose the one you want. Otherwise, select All banks. Most credit cards have a minimum credit score requirement. Select your credit score to filter your credit card results based on your credit score and which cards you are most likely to be approved for. If you aren’t sure what your credit score is, select “Not sure”, and your results will be filtered without taking your credit score in to account. There are many different credit card reward programs available. If you have a preferred reward program, such as Aeroplan Miles, select your choice using the dropdown. Note that each card only uses one reward program. Enter the dollar amount you spend each month on your credit card. Edit your monthly spend by each spending category in the 'monthly spending by category' tab below.

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Some credit cards come with an annual fee and some do not. The general rule for this is that the greater the rewards, the larger the annual fee. The annual fee is charged once per year and is added to your credit card statement. If you don't mind paying an annual fee, select I don't mind. If you'd prefer not to pay to use a credit card, select None. Some rewards credit cards have an annual income requirement. Enter either your personal or household annual income here, as it may affect which credit cards you are able to apply for.

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Do you carry a balance on your credit card each month? This isn't how much you spend on your card, but how much you typically carry over into a new month. If so, write that amount here, so we can calculate how much interest you'll be charged.

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There are a number of lenders and companies that issue credit cards - and they aren't just financial institutions. If you would prefer to get a credit card from one specific credit card issuer, choose the one you want. Otherwise, select All banks. Most credit cards have a minimum credit score requirement. Select your credit score to filter your credit card results based on your credit score and which cards you are most likely to be approved for. If you aren’t sure what your credit score is, select “Not sure”, and your results will be filtered without taking your credit score in to account. Do you have a preference of whether you want a Visa, MasterCard or American Express card? Select which network you'd prefer, or select "All" if you don't have a preference.
Some credit cards come with an annual fee and some do not. The general rule for this is that the greater the rewards, the larger the annual fee. The annual fee is charged once per year and is added to your credit card statement. If you don't mind paying an annual fee, select I don't mind. If you'd prefer not to pay to use a credit card, select None. Some rewards credit cards have an annual income requirement. Enter either your personal or household annual income here, as it may affect which credit cards you are able to apply for.

Update results

Hit enter or click outside the box to refresh your results
Do you have a preference of whether you want a Visa, MasterCard or American Express card? Select which network you'd prefer, or select "All" if you don't have a preference.
There are a number of lenders and companies that issue credit cards - and they aren't just financial institutions. If you would prefer to get a credit card from one specific credit card issuer, choose the one you want. Otherwise, select All banks. Most credit cards have a minimum credit score requirement. Select your credit score to filter your credit card results based on your credit score and which cards you are most likely to be approved for. If you aren’t sure what your credit score is, select “Not sure”, and your results will be filtered without taking your credit score in to account. If you are currently carrying a balance on another credit card, you may want to take advantage of a balance transfer promotional offer with one of the credit cards listed below. Enter the amount you would transfer to the new card, to find out what the promotional interest rate and period are.

Update results

Hit enter or click outside the box to refresh your results
Some credit cards come with an annual fee and some do not. The general rule for this is that the greater the rewards, the larger the annual fee. The annual fee is charged once per year and is added to your credit card statement. If you don't mind paying an annual fee, select I don't mind. If you'd prefer not to pay to use a credit card, select None. Do you have a preference of whether you want a Visa, MasterCard or American Express card? Select which network you'd prefer, or select "All" if you don't have a preference.
There are a number of lenders and companies that issue credit cards - and they aren't just financial institutions. If you would prefer to get a credit card from one specific credit card issuer, choose the one you want. Otherwise, select All banks. Most credit cards have a minimum credit score requirement. Select your credit score to filter your credit card results based on your credit score and which cards you are most likely to be approved for. If you aren’t sure what your credit score is, select “Not sure”, and your results will be filtered without taking your credit score in to account.
Monthly spending by category
Monthly spending by category
Credit card Purchase interest rate Balance transfer rate Annual fee Net reward (1st year) Monthly interest fee Monthly interest fee Required deposit Min. required income
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$ 0 $12,000.00 $402 Get details
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$ 0 $0.00 $190 Get details
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$ 0 $12,000.00 $152 Get details
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$ 150 $80,000.00 $370 Get details
30% $ 150 $0.00 $532 Get details
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Cash advance 24.99%
$ 120 $80,000.00 $371 Get details
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Cash advance 22.99%
$ 0 $0.00 $405 Get details
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$ 120 $12,000.00 $915 Get details
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$ 120 $60,000.00 $470 Get details
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Cash advance 22.99%
$ 120 $0.00 $357 Get details
19.9%
Cash advance 19.90%
$ 110 $0.00 $ Get details
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$ 115 $60,000.00 $145 Get details
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$ 120 $60,000.00 $582 Get details
19.9%
Cash advance 19.90%
$ 0 $0.00 $25 Get details
19.95%
Cash advance 19.95%
$ 0 $12,000.00 $243 Get details
30%
Cash advance 22.99%
$ 699 $40,000.00 $26 Get details
19.99%
Cash advance 22.99%
$ 120 $60,000.00 $435 Get details
19.9%
Cash advance 19.99%
$ 130 $80,000.00 $140 Get details
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$ 0 $0.00 $ Get details
14.99%
Cash advance 22.99%
$ 120 $0.00 $ Get details
19.99%
Cash advance 22.99%
$ 399 $12,000.00 $0 Get details
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Cash advance 22.99%
$ 0 $12,000.00 $299 Get details
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Cash advance 19.99%
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Cash advance 19.90%
$ 30 $0.00 $ Get details
19.99%
Cash advance 22.99%
$ 99 $0.00 $441 Get details
19.97%
Cash advance 22.97%
$ 0 $60,000.00 $180 Get details
19.89%
Cash advance 21.49%
$ 0 $0.00 $195 Get details
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Cash advance 22.97%
$ 0 $80,000.00 $180 Get details
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30% $ 180 $0.00 $-35 Get details
19.5%
Cash advance 21.99%
$ 65 $0.00 $ Get details
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Cash advance 22.99%
$ 120 $80,000.00 $ Get details
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Cash advance 22.99%
$ 110 $12,000.00 $120 Get details
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Cash advance 21.99%
$ 0 $0.00 $ Get details
30% $ 250 $0.00 $180 Get details
19.99%
Cash advance 22.99%
$ 0 $15,000.00 $ Get details
19.99%
Cash advance 24.99%
$ 0 $0.00 $270 Get details
19.5%
Cash advance 21.99%
$ 49 $0.00 $ Get details
19.99%
Cash advance 22.99%
$ 0 $15,000.00 $108 Get details
19.99%
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$ 120 $0.00 $ Get details
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Cash advance 22.99%
$ 0 $0.00 $90 Get details
19.99%
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$ 150 $80,000.00 $617 Get details
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$ 0 $0.00 $ Get details
19.99%
Cash advance 22.99%
$ 120 $80,000.00 $432 Get details
30% $ 499 $0.00 $351 Get details
19.99%
Cash advance 22.99%
$ 139 $60,000.00 $ Get details
20.99%
Cash advance 22.99%
$ 120 $60,000.00 $510 Get details
19.99%
Cash advance 22.99%
$ 0 $15,000.00 $180 Get details
19.99%
Cash advance 24.99%
$ 39 $60,000.00 $ Get details
20.99%
Cash advance 22.99%
$ 0 $0.00 $180 Get details
20.99%
Cash advance 22.99%
$ 30 $0.00 $231 Get details
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$ 0 $0.00 $ Get details
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Cash advance 22.99%
$ 0 $0.00 $127 Get details
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$ 0 $0.00 $ Get details
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$ 0 $15,000.00 $ Get details
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Cash advance 22.97%
$ 0 $0.00 $180 Get details
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Cash advance 19.99%
$ 0 $0.00 $ Get details
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Cash advance 22.99%
$ 0 $15,000.00 $ Get details
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Cash advance 22.99%
$ 0 $0.00 $ Get details
19.95%
Cash advance 19.95%
$ 0 $60,000.00 $333 Get details
19.99%
Cash advance 22.99%
$ 120 $0.00 $ Get details
19.99%
Cash advance 22.99%
$ 0 $80,000.00 $ Get details
19.5%
Cash advance 21.99%
$ 99 $60,000.00 $ Get details
19.99%
Cash advance 21.99%
$ 39 $12,000.00 $266 Get details
20.99%
Cash advance 22.99%
$ 0 $0.00 $ Get details
19.8%
Cash advance 19.80%
$ 75 $0.00 $115 Get details
19.99%
Cash advance 22.99%
$ 120 $0.00 $ Get details
20.99%
Cash advance 22.99%
$ 120 $60,000.00 $ Get details
19.5%
Cash advance 21.99%
$ 99 $60,000.00 $ Get details
19.99%
Cash advance 22.99%
$ 0 $15,000.00 $ Get details
19.5%
Cash advance 21.99%
$ 49 $0.00 $ Get details
19.99%
Cash advance 22.99%
$ 79 $60,000.00 $ Get details
19.99%
Cash advance 22.99%
$ 99 $60,000.00 $ Get details
20.99%
Cash advance 22.99%
$ 299 $20,000.00 $ Get details
For a limited time, you will receive a promotional offer from Ratehub.ca if your application is approved. Terms and conditions apply. Click here for details.
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If you need any help comparison shopping, read our frequently asked questions below:

Are travel credit cards worth it?

If you love to travel, and use your credit card to pay for most or all of your everyday purchases, the answer is almost always yes.

Between sign-up bonuses and the ability to earn points or miles on each dollar you spend (all on purchases you would be making anyway), travel credit cards offer a convenient way to save potentially hundreds of dollars every year on travel-related expenses from flight tickets and hotel stays to rental cars, and more.

The other bonus of a travel rewards credit card is the different side perks that may come with it. Some of the best travel credit cards in Canada offer complimentary travel insurance benefits (including medical emergency, trip cancellation, and delayed baggage insurance) that will cover you for emergencies while abroad and save you the cost of having to pay for insurance out of pocket. Many travel cards also come with built-in side perks like airport lounge access, hotel upgrades, and concierge services, which can help you travel in style for less.

All those aforementioned benefits aside though, there are reasons why a travel credit card may not be worth it for you. For one, travel credit cards deliver great value as long as you always pay off your card statements in full and on time. If you carry a balance from month-to-month, a travel rewards card will lead to interest charges that can hurt your bottom line, and you may want to consider a low interest credit card or sticking to debit or cash instead. Second, travel cards are obviously geared towards flight and hotel redemptions, and if you’re not much of a traveller and are looking for ways to save on your everyday spending as opposed to, say an upcoming vacation, a cash back credit card may be a better match.


How do travel credit cards work?

Fundamentally, all travel credit cards in Canada work the same way: for every dollar you spend on the card, you'll earn points or miles that you can redeem to either offset or completely cover the cost of a travel purchase.

The more you spend, the more points or miles you'll earn, and the more you can save on travel.

Outside of those fundamentals though, the intricacies around how you redeem rewards and how much each point or mile is worth can vary depending on the credit card and its rewards program. We touch on some of the major differences between credit card travel programs below.

General travel cards versus co-branded travel cards


General travel cards

General travel cards aren’t associated with any one particular airline or frequent flyer program, and the points you earn on these cards can be redeemed for travel from a large selection of flight carriers and hotel chains. The major appeal of general travel cards is their flexibility, as many let you redeem points for flights from literally hundreds of carriers of your choice. If you don’t frequently fly on a particular airline and value choice over the benefits that come with holding airline loyalty status (like priority check-in), general travel cards are a better fit for you.

It’s worth noting that when you’re redeeming points on a general travel card, in some cases, you’ll have to use the credit card’s proprietary travel agency (i.e. BMO Points must be redeemed on BMORewards.com or with a BMO travel agent).

Best general travel credit cards in Canada: Scotiabank Gold American Express, American Express Cobalt, TD First Class Visa Infinite, BMO World Elite Mastercard, MBNA Rewards Platinum Plus.


Co-branded travel cards

Co-branded credit cards are connected to a specific frequent flyer or loyalty program (i.e. Aeroplan, Air Miles, or Marriott Bonvoy), and are a testament to the old adage “loyalty pays.”

These cards can offer great value by letting you earn bonus rewards or discounts whenever you use the card at retailers, airlines, or hotels that are partnered with the co-branded credit card. In many cases, these cards also entitle you to loyalty member perks like priority check-in, free nights stay at a hotel, or free checked bags.

While these cards aren’t known for their flexibility - as the points you earn can only be redeemed from one of the co-branded card’s partners - they can be the right choice for you if the card in question is associated with your favourite airline, hotel program, or retail network.

Best co-branded credit cards in Canada: TD Aeroplan Visa Infinite, Marriott Bonvoy Card from American Express, BMO Air Miles World Elite.

Consistent versus variable point programs


Consistent points programs

Consistent points programs are just that - consistent. No matter the airline, hotel, destination, or time of the year, the value of each point will remain the same. For instance, when redeeming Scotia Rewards Points for travel, 5,000 points always equals to $50, or $0.01 per point. In the same vein, 140 BMO Points always equals $1 when booking travel, which works out to a consistent $0.0071 per point.

The big advantage of consistent points programs is they’re straightforward and make it easy to calculate how much your rewards are worth. If you’ve got 30,000 Scotia Rewards Points, you’ll know you have exactly $300 worth of rewards. It’s worth highlighting though, points are only consistent within the context of travel rewards (i.e. flights and hotel stays), and point values can fluctuate when redeemed for merchandise, gift cards, or statement credits.

Best consistent points programs in Canada: Scotia Rewards, American Express Membership Rewards, TD Rewards, BMO Rewards, and MBNA Rewards.


Variable points programs

Variable or flexible points programs rely on charts or tables to calculate how much your rewards are worth - often factoring in things like destination and seasonality into the equation. That means the value of your points can vary depending on when and where you’re travelling.

While these programs can make the redemption process slightly more complex, they offer one major advantage: The opportunity to maximize greater value out of each point. By strategically planning a trip to a particular destination or during specific time of year, you can squeeze extra value out of your rewards and go further with fewer points (something you can’t do when point values are always consistent).

Best variable points programs in Canada: American Express Membership Rewards, Aeroplan, Air Miles, Marriott Bonvoy.


How can I compare the best travel rewards programs?

When you’re doing your research and comparing travel rewards credit cards, it’s important to understand how each card values its points. Every rewards program in Canada is different, so you should read the card agreement for guidelines and restrictions – or you can compare them on our site, as we’ve done the hard work for you on our rewards charts. There may also be a number of different cards available within each program - try using our rewards calculators to find the one which suits you best.

The best travel credit cards in Canada


Best Rewards Travel Credit Cards


Scotiabank Gold American Express Card

The Scotiabank Gold American Express Card has one of the highest earn rates in Canada, giving you 5 Scotia Rewards points for every dollar (that’s 5% back in travel rewards) spent on grocery, entertainment, and restaurant purchases; 3 points on gas, public transit and some streaming services, and 1 point per dollar for everything else. The card has an annual fee of $120. However, this can be offset with the 20,000 point welcome bonus ($200 value), which is provided to new Scotiabank accountholders after $1,000 in purchases are made on the card within the first 3 months.

This card is a winner for its flexibility when redeeming points. There are no blackout dates or seat restrictions with your rewards. You can book your travel through Scotia Rewards Travel Service, a full-service travel agency, or on your own online at a later date. Don’t have enough points for your trip? You can pay the remainder of the balance. Cardholders also don't get charge foreign transaction fees on international purchases and receive complimentary concierge services and access to a Priority Pass membership at a 30% discount.

American Express Cobalt

The American Express Cobalt Card has a rich rewards rate that is tailored to foodies and those who subscribe to the downtown lifestyle - with 5 points for every dollar spent on restaurants and groceries, 2 points on travel (including taxis, gas and airfare), and 1 point on everything else. Each point is valued at $0.01, which means you earn a whopping 5% back in rewards on all food purchases made on this card.

Points are flexible and can be redeemed for flights on any airline with no limitations in terms of blackout dates or seat restrictions. Cardholders also get frontline access to numerous events and concerts through the American Express Invites program and can take advantage of top-of-the-line travel and shopping protection benefits.

One of the Cobalt's biggest selling points is its welcome bonus. For every month that you spend $500 on the card in your first year, you'll get 2,500 bonus points (up to a maximum of 30,000 points).

“Anytime, Anywhere” Travel Credit Card


BMO World Elite MasterCard

For convenience purposes, the BMO World Elite MasterCard is one of the best cards out there. All travel (including airfare), restaurant and entertainment purchases earn 3 BMO Rewards points per dollar spent, which works out to just over 2% back in rewards. All other purchases get you 2 points per dollar. Your points can be used on any airline with no blackout dates, and covers all flight charges and taxes.

New accountholders will have the card’s annual fee of $150 waived in the first year and can also access 35,000 bonus points ($240 value) upon spending $3,000 on the card in their initial 3 months. Looking for more value? The card also includes a Mastercard Airport Experiences membership (free access to over 1,000 airport lounges). In addition, you’ll get concierge service and a comprehensive insurance package. BMO’s travel centre will also match the price of any lower fares you find to help you snag the best deal on flights.

Best Flexible Travel Credit Card


American Express Gold Rewards Card

The most appealing aspect of the American Express Gold Rewards card is the Membership Rewards you can earn. New applicants will earn 25,000 bonus points after charging $1,500 to your card within the first three months of membership. Those points can then be transferred to frequent flyer programs including Aeroplan and Avios on a 1:1 basis. Those 25,000 points could also be used as a statement credit towards travel which has a value of $250.

The card does come with an annual fee of $150, but the first year is waived. One free supplementary card ($50 value) is available to help you earn points faster. Speaking of earning points fast, you earn 2 points per dollar spent on eligible gas, grocery, travel, and pharmacy purchases while all other purchases earn you 1 point per dollar spent. A comprehensive travel insurance package is also included.

Best Hotel Points Credit Card


Marriott Bonvoy American Express Card

At first glance, the Marriott Bonvoy American Express Card may look like a simple hotel loyalty card, but it’s in fact one of the best hotel credit cards out on the market. You’ll earn 5 Bonvoy per dollar spent on the card at all Marriott Hotels (as well as the hotel company’s over two dozen subsidiaries including Starwood and Ritz-Carlton) and 2 points per dollar on everything else.

Your Bonvoy points can be earned and redeemed at over 7,000 hotel properties in 110+ counties. Cardholders also have the option to transfer Bonvoy to over 40 airline loyalty programs at a 3:1 ratio. You’ll even get a Bonvoy Silver Elite membership and one free night hotel stay every year. There is an annual fee of $120, but a comprehensive travel insurance package is included as well as a 50,000 point welcome bonus (provided $1,500 in purchases are charged to the card in the first three months).

Best No Fee Travel Credit Card


Scotiabank American Express Card

If you’re looking for a travel rewards card with no annual fee, the Scotiabank American Express card is a good choice. For every dollar you spend on eligible purchases, you’ll earn 1 Scotia Rewards point – that’s 1% back in travel rewards.

Cardholders can book their own travel online and then redeem their points later, or they can use Scotia Rewards Travel Service, a full-service travel agency. There are no blackout dates or seat restrictions when claiming points which gives you maximum flexibility.

Travel emergency medical, trip interruption, rental car collision loss/damage, and travel accident Insurance is included. In addition, you’ll get access to special offers, events and experiences with American Express Invites.


Travel Rewards Programs


Best Credit Card Travel Insurance Packages