best credit cards IN CANADA

Travelling for cheap is great... but free travel is even better. You can get free travel thanks to credit cards and Travel Hacking.

Travel Hacking is a great way to get hundred of dollars in free travel each year by getting new credit cards regurlarly , which is also positive for your credit score if you do it the right way. 

But the key to Travel Hacking is choosing the right credit cards.

Here are the best offers in Canada* 

Be careful! There are obviously some details you need to know: make sure you read the important info about credit cards. 

Best Credit Cards (November 2018)

BMO World Elite

An excellent card for an easy-to-use travel credit

$287

in free travel after $3,000 in 3 months

BMO_World_Elite_Mastercard

This is an excellent offer, especially for those who have already had a CIBC card or those who prefer more flexible and easy-to-use Points.

The BMO World Elite also offers 4 free airport lounge accesses, but there are fewer lounges choices than CIBC and Scotia cards because it’s the LoungeKey program rather than Prority Pass. Not to be confused with BMO World Elite Air Miles card.

Signup Bonus of 35,000 BMO Rewards Points
= $245 (fixed-value of 0.7¢/pt)
Points earned on the $3,000 minimum spend
= $42 (minimum amount)
Card fee
= $0 (1st year free promo)

Total of $287 in free travel
(fixed-value) 
+ all points earned with your regular purchases 

After the $287 Signup Bonus…

Here is the Points earn rate:
2 pts (1.4%) per $ everywhere 
or
3 pts (2.1%) per $ in travel, restaurants and entertainment

BMO Rewards Points are Fixed-Value Points.

They can be applied to travel expenses as a credit via the BMO website, so they give you great flexibility but can not give you more for your money. 

More details coming soon in the Travel Hacking section. 

21-day medical travel insurance (65 years and under)
Flight delay insurance ($500, 6hr minimum)
Car rental insurance
Baggage & personal effects insurance
Trip cancellation insurance
Travel accident insurance
Hotel burglary insurance
Purchase protection and extended warranty (90 days)

Detailed article on the credit card coming soon

BMO World Elite Mastercard

Offer Summary
  • $287 in free travel
  • 4 free airport lounges passes
  • Easy-to-use Fixed-Value Points
  • Great insurance coverage
  • Good earn rate on everyday purchases
  • 24/7 travel concierge service
  • Minimum income of $80,000 required
  • Minimum spend of $3,000 to reach
  • Certain conditions apply*

Detailed article on the credit card coming soon

Scotiabank Gold American Express

A great card for travel insurance for those with a lower income

$161

in free travel after $3,000 in 3 months

Scotia Or American Express

There’s no valid excuse for not having great insurance coverage for free, because almost all are eligible for this card that does not require a high income ($12K only).

Paying for a flight with a card that does not have insurance for the delay is frankly stupid. This card offers it in addition to a decent signup bonus and excellent earn rate on your purchases in certain categories.

Singup Bonus of 30,000 Scotia Points Rewards
= $150 (fixed value de 1.0¢/pt)

Special $100 Interac e-transfer through our link
= $100 (fixed value)

Points earned on the $1000 minimum spend
= $10 (minimum amount)

Card fee 
= $99 (deducted from free travel total)

Total of $161 of free travel
(fixed value)
+ all points earned with your regular purchases

After the $161 Signup Bonus…

Here is the Points earn rate:
1 pt (1.0%) per $ everywhere
or
4 pts (4.0%) per $ in grocery stores, restaurants, gas stations and in entertainment

Scotia Points are fixed-value Points and can be applied to travel expenses as a credit, so they are extremely flexible but can not give you more for your money.

More details coming soon in the Travel Hacking section.

25-day Medical travel insurance (64 years and under)
Flight delay insurance ($500, 4hr minimum)
Car rental insurance
Baggage & personal effects insurance
Trip cancellation insurance
Travel accident insurance
Hotel burglary insurance
Purchase protection and extended warranty 

or

Scotia Gold American Express

Offer Summary
  • $161 in free travel
  • Perfect for lower incomes
  • Excellent insurance coverage
  • Good earn rate on everyday purchases
  • Easy-to-use Fixed-Value Points
  • Travel concierge and lounge discounts
  • Minimum income of $12,000 required
  • Minimum spend of $1,000 to reach
  • Certain conditions apply*

Detailed article on the credit card coming soon

American Express SPG

An excellent card to get free hotel stays

≈ $534

in free travel after $3,000 in 3 months

American Express SPG

The offer has already been better (75,000 Points), but the 50,000 is not so bad anyway (we have been months without a welcome bonus). Depending on whether you need Marriott Points for a trip soon, it may be better to wait.

In any case, the card is excellent and one of the most lucrative if you use the Hotel Points well. The accumulation is very fast as well, and an additional card is also offered free of charge.

Welcome bonus of 50 000 SPG / Marriott points
≈ $450$ (estimated value 0.9¢/pt)
Points accumulated on the $3,000$ minimum account
= $54 (minimum value)
One free night credit Category 5
≈ $150 (estimated value)
Card fee
= $120 (deducted from the total free travel)

Total of ≈ $534 of free travel
(no minimum value)
+ all Points accumulated with your regular purchases

After the $534 Signup Bonus…

Here is the Points earn rate:
2 pts (≈ 1.8%) per $ everywhere
or
5 pts (≈ 4.5%) per $ at SPG / Marriott hotels

SPG / Marriott Points are Variable-Value Points, which means you have to use them wisely to get the most value.

Points can be redeemed for Marriott hotel stays (best use most of the time) or transferred to 40 airline programs.

More details in the article about the Marriott program.

No medical travel insurance
Flight delay insurance ($500, 4h minimum)
Car rental insurance
Baggage & personal effects insurance
Trip cancellation insurance
Hotel burglary insurance
Purchase protection & extended warranty 

or

American Express SPG

Offer Summary
  • ≈ $534 in free travel
  • Variable-Value Points (and transferable)
  • Silver Elite Status & benefits at Marriott
  • Good earn rate and free supplementary card
  • Excellent insurance coverage (except medical)
  • Many AMEX benefits
  • No minimum income required
  • Minimum spend of $1,000 to reach
  • Certain conditions apply*

or

CIBC Aventura Visa Infinite

An excellent card to get airport lounge access (for new CIBC clients)

≈ $265

in free travel after the first purchase

CIBC Aventura Visa Infinite

This is an excellent offer, but especially if you have never had a CIBC card (since the promo is only for new CIBC customers).

It’s rare that the value of free travel you get with CIBC Aventura is so high, and the card now offers 4 free airport lounge accesses (a little less than the Scotia Visa Passport that offers 6) and also the free membership to NEXUS to speed up your flights to the airport.

Welcome Bonus of 15,000 CIBC Aventura Points
≈ $165 (estimated value of 1.1 ¢/pt)
$100 travel credit
= $100 (fixed value)
Card Fee
= $0 (1st year free promo*)

Total of $265 free travel*
(minimum value of $250)
+ all points accumulated with your regular purchases

* For those who have already had any CIBC credit card, there is a $120 charge for a total of $145 of free travel instead of $265

After the $265 Signup Bonus …

Here is the Points earn rate:
1 pt (≈ 1.1%) per $ everywhere
or
1.5 pts (≈ 1.7%) per $ in grocery stores, gas stations and drugstores

CIBC Aventura Points are hybrid (fixed or variable).

Variable value: Points can be used via the fixed-price award chart and potentially give you more for your money, but this requires more flexibility.

Fixed Value: Points can also be applied to other travel expenses via the CIBC portal, which gives you more flexibility but can not give you more for your money.

More details coming soon in the Travel Hacking section.

Medical travel insurance 15 days (64 years old and under)
Flight delay insurance ($500, 4h minimum)
Car rental insurance
Baggage & personal effects insurance
Trip cancellation insurance
Hotel burglary insurance
Travel accident insurance
Broken cellular insurance
Extended warranty on purchases

Detailed report on the credit card coming soon

CIBC Aventura Visa Infinite

Offer Summary
  • ≈ $265 in free travel
  • 4 free airport lounge passes
  • Free NEXUS membership
  • Hybrid Points (Fixed-Value or Variable-Value)
  • Excellent insurance coverage
  • Free supplementary card
  • Minimum income of $60,000 required
  • No minimum spend to reach
  • Certain conditions apply*

Detailed article on the credit card coming soon

Scotia Passport Visa Infinite

An excellent card to use abroad with no foreign transaction fees (and with 6 lounge passes)

$121

in free travel after $3,000 in 3 months

Scotia Passport Visa

Almost all credit cards in Canada charge you 2.5% transaction fees over the exchange rate for all purchases made in foreign currencies.

All travelers should consider this card to save 2.5% on each transaction in foreign currency: this is by far the best card to use outside Canada. You also get 6 free passes to access VIP airport lounges.

The welcome bonus is really not the highest, but if you travel a lot, it’s a great addition to any Travel Hacking portfolio. Not to be confused with the Scotia Passport Visa anyway, it’s only the Visa Infinite Passport that is interesting.

Welcome bonus of 25,000 Scotia Points
= $250 (fixed value of 1.0 ¢/pt)
Points accumulated on the $1000 minimum amount
= $10 (minimum value)
Card Fee
= $139 (deducted from the total of free travel)

Total of $121 free travel
(fixed value)
+ all points accumulated with your regular purchases

After the $121 Signup Bonus …

Here is the Points earn rate:
1 pt (1.0%) per $ everywhere
or
2 pts (2.0%) per $ in grocery stores, restaurants, entertainment and public transportation

Scotia Points are Fixed-Value Points and can be applied to travel expenses as a credit, so they are extremely flexible but can not give you more for your money.

More details coming soon in the Travel Hacking section.

Medical travel insurance 25 days (64 years and under)
Flight delay insurance ($500, 4h minimum)
Car rental insurance
Baggage & personal effects insurance
Trip cancellation insurance
Travel accident insurance
Hotel burglary insurance
Purchase protection and extended warranty 

or

Scotia Passport Visa Infinite

Offer Summary
  • $121 in free travel
  • 6 free airport lounge passes
  • No Foreign Transaction Fees
  • Easy-to-use Fixed-Value Points
  • Excellent insurance coverage
  • Good earn rate on everyday purchases
  • Minimum income of $60,000 required
  • Minimum spend of $1,000 to reach
  • Certain conditions apply*

or

BMO Air Miles World Elite

An excellent card but only for those who know how to maximize the Air Miles program (i.e. by using them for travel)

≈ $363

in free travel after $3,000 in 3 months

BMO Air Miles

Air Miles is pretty well known, but quite misused. Like ALL rewards programs, avoid any use other than for travel to maximize their value, this is the most basic rule.

I am not the biggest fan of Air Miles, but there are still very good uses when you understand their charter. And the 3,000 Air Miles on this card are very interesting.

Welcome bonus of 3,000 Air Miles
≈ $330 (estimated value of 11¢ /pt)
Points accumulated on the $3,000 minimum amount
≈ $33 (estimated value)
Card Fee
= $0 (1st year free promo)

Total of $363 free travel
(no minimum value)
+ all points accumulated with your regular purchases

After the $363 Signup Bonus …

Here is the Points earn rate:
0.1 pt (≈ 1.1%) per $ everywhere
and
no bonused categories

Air Miles Points are Variable-Value Points. Air Miles can be used according to the Air Miles Award Chart.

More details coming soon in the Travel Hacking section.

Medical travel insurance 15 days (64 years and under)
Flight delay insurance ($500, 6h minimum)
Car rental insurance
Baggage & personal effects insurance
Trip cancellation insurance
Travel accident insurance
Hotel burglary insurance
Purchase protection and extended warranty 

Detailed report on the credit card coming soon

BMO Air Miles World Elite

Offer Summary
  • ≈ $363 in free travel
  • 2 free airport lounge passes
  • Variable-Value Points
  • 15% discount on Air Miles flight rewards
  • Discount on companion ticket
  • Excellent insurance coverage
  • Minimum income of $80,000 required
  • Minimum spend of $3,000 to reach
  • Certain conditions apply*

Detailed article on the credit card coming soon

American Express Gold

An excellent card to earn Aeroplan Miles

≈ $240

in free travel after $1,500 in 3 months

American Express Or

Often, the offer is $315 free travel, but if you need Miles Aeroplan immediately, it’s still not a bad offer.

This card remains the best way to earn Aeroplan Miles or Avios Points.

25,000 American Express Points welcome bonus
≈ $375 (estimated value of 1.5 ¢/pt)
Points accumulated on the $1,500 minimum amount
= $15 (minimum value)
Card Fee
= $150 (deducted from the total of free travel)

Total of $240 free travel
(minimum value of $115)
+ all points accumulated with your regular purchases

After the $240 Signup Bonus…

Here is the Points earn rate:
1 pt (≈ 1.5%) per $ everywhere
or
2 pts (≈ 3.0%) per $ in grocery stores, drugstores, gas stations and in travel

American Express Points are hybrid (fixed-value or variable-value) and transferable.

Variable value: Points can be transferred to Aeroplan, Avios, Delta and others (and potentially give you more for your money, but this requires more flexibility). They can also be used via American Express’s fixed-price award chart directly.

Fixed value: Points can also be applied to other travel expenses via the AMEX portal, which gives you more flexibility but can not give you more for your money.

More details coming soon in the Travel Hacking section.

Medical travel insurance 15 days (64 years and under)
Flight delay insurance ($500, 4h minimum)
Car rental insurance
Baggage & personal effects insurance
Trip cancellation insurance
Travel accident insurance
Hotel burglary insurance
Purchase protection and extended warranty 

or

American Express Gold

Offer Summary
  • ≈ $240 in free travel
  • Hybrid Points (Fixed-Value or Variable-Value)
  • Points transferable to Aeroplan & others
  • Excellent insurance coverage
  • Good earn rate and free supplementary card
  • Many AMEX benefits
  • No minimum income required
  • Minimum spend of $1,500 to reach
  • Certain conditions apply*

or

RBC WestJet Mastercard

An excellent card for those who fly WestJet often

$131

in free travel after the first purchase

RBC WestJet Mastercard

It’s not the best card for free travel, but it can be useful for those who travel frequently on WestJet with benefits such as a companion ticket and free checked baggage.

$250 WestJet welcome bonus
= $250 (fixed value of $ 1/pt)
Card Fee
= $119 (deducted from the total of free travel)

Total of $131 free travel
(fixed value)
+ all points accumulated with your regular purchases

After the $131 Signup Bonus…

Here is the Points earn rate:
1.5 pts (1.5%) per $ everywhere
or
2 pts (2.0%) per $ at WestJet

WestJet Points are Fixed-Value Points.

They can be applied as a credit on all WestJet flights, which gives you great flexibility but can not give you more for your money.

More details coming soon in the Travel Hacking section.

Medical travel insurance 15 days (64 years and under)
Flight delay insurance ($250, 4h minimum)
Car rental insurance
Baggage & personal effects insurance
Trip cancellation insurance
Travel accident insurance
Hotel burglary insurance
Purchase protection and extended warranty 

Detailed report on the credit card coming soon

RBC WestJet World Elite

Offer Summary
  • $131 in free travel
  • Fixed-Value Points for WestJet flights
  • Free checked bag on WestJet
  • Annual companion ticket
  • Excellent insurance coverage
  • 24/7 concierge travel service
  • Minimum income of $80,0000 required
  • No minimum spend to reach
  • Certain conditions apply*

Detailed article on the credit card coming soon

BMO Rewards Mastercard

A free card available to all (for those who inexplicably refuse to pay annual fees)

$147

in free travel after $1,000 in 3 months

BMO_Rewards

First, paying an annual fee is often the smart thing to do, because even deducting this cost, the fee cards give you more in terms of free travel than the cards with no annual fee (this is the case Scotia Gold at the moment for those with lower incomes).

It is only recommended for those who do not earn enough to be eligible for other cards or who want to build a credit history by keeping it open for a long time.

Welcome bonus of 20,000 BMO Rewards Points
= $140 (fixed value of 0.7 ¢/pt)
Points accumulated on the $1000 minimum amount
= $7 (minimum value)
Card Fee
= $0 (card always free)

Total of $ 147 free trips
(fixed value)
+ all points accumulated with your regular purchases

After the $147 Signup Bonus…

Here is the Points earn rate:
1 pt (0.7%) per $ everywhere
and
no bonused categories

BMO Rewards Points are Fixed-Value Points.

They can be applied to travel expenses via the BMO website, so they give you great flexibility but can not give you more for your money.

More details coming soon in the Travel Hacking section.

Limited insurance (no annual fee card)
Purchase insurance (90 days)
Extended warranty on purchases

Detailed report on the credit card coming soon

BMO Rewards Mastercard

Offer Summary
  • $147 in free travel
  • Easy-to-use Fixed-Value Points
  • Recommended for beginners only
  • No annual fee to build credit history
  • Very limited insurance coverage
  • Accepted at Costco
  • No minimum income required
  • Minimum spend of $1,000 to reach
  • Certain conditions apply*

Detailed article on the credit card coming soon

American Express Cobalt

An excellent card for those who spend a lot every month

≈ $398

in free travel after $500 each month 

American Express Cobalt

This offer and this card is completely different from all the others. To get the welcome bonus, instead of having to spend an amount for the first 3 months, you have to spend $500 a month for 12 months.

It is only for those who spend a lot each month. That said, with the 5X Accumulation Rate Points on some purchases, this is by far the most lucrative card for everyday purchases.

Welcome bonus of 30,000 American Express Select Points
≈ $324 (estimated value of 1.08 ¢/pt)
Points accumulated on the $500 minimum monthly amount
≈ $194 (estimated value*)
Card Fee
= $120 (deducted from free travel)

Total of $398 in free travel
(minimum value of $360)
+ all the Points accumulated with your regular purchases in excess of the amount recorded*

* estimated current expenses based on an assumption of $500 per month, half of which in food at 5x and half in rest at 1x

Here is the Points earn rate:
1 pt (≈ 1.08%) per $ everywhere
or
2 pts (≈ 2.16%) per $ for travel and transportation
or
5 pts (≈ 5.4%) per $ at restaurant, convenience stores that code as food stores and grocery stores (and all stores that sell gift cards at in these locations)

American Express Points are hybrid (fixed-value or variable-value) and transferable.

Variable value: The Cobalt’s Select Points are different than the AMEX Points earned on the Gold and Platinum cards. They can not be transferred to Aeroplan, Avios, Delta and other airlines. They can only be transferred to Marriott (recommended) and Hilton (not recommended). They can also be used via American Express’s fixed-price award chart directly.

Fixed value: Points can also be applied to travel expenses via the AMEX portal, which gives you more flexibility but can not give you more for your money.

More details coming soon in the Travel Hacking section.

Medical travel insurance 21 days (65 years old and under)
Flight delay insurance ($1000, 4h minimum)
Car rental insurance
Baggage & personal effects insurance
Trip cancellation insurance
Hotel burglary insurance
Purchase protection (90 days)
Extended warranty on purchases

or

American Express Cobalt

Offer Summary
  • ≈ $398 in free travel
  • Only card with monthly signup bonus
  • For those who spend a lot each month
  • Hybrid Points (Fixed-Value or Variable-Value)
  • Excellent earn rate and free supplementary card
  • Excellent insurance coverage and AMEX benefits
  • No minimum income required
  • Minimum spend of $500 per month to reach
  • Certain conditions apply*

Detailed article on the credit card coming soon

American Express Platinum

The most premium card there is (for those who travel a lot only)

≈ $289

in free travel after $3,000 in 3 months

AMEX_Platinum

This card we both have and it is amazing. But since its fees are high and the welcome bonus that makes the first year profitable is “once-in-a-lifetime”, we recommend it only if you plan to travel a lot and you will be able to enjoy the many benefits.

Unlimited access to airport lounges (for 2 people) and Elite Gold status at Marriott and Hilton, these are perks that make the travel experience more luxurious.

And these are just some of the benefits of this card, the most prestigious in Canada.

50,000 American Express Points Welcome Bonus
≈ $750 (estimated value of 1.5 ¢ / pt)
Points accumulated on the $3,000 minimum amount
≈ $38 (minimum value)
Annual travel credit
= $200 (minimum value)
Card Fee
= $ 699 (deducted from total free trips)

Total of $ 289 in free travel
(minimum value of $ 39)
+ all points accumulated with your regular purchases

After the $289 Signup Bonus…

Here is the Points earn rate:
1.25 pts (≈ 1.9%) per $ everywhere

American Express Points are hybrid (fixed-value or variable-value) and transferable.

Variable value: Points can be transferred to Aeroplan, Avios, Delta and others (and potentially give you more for your money, but this requires more flexibility). They can also be used via American Express’s fixed-price award chart directly.

Fixed value: Points can also be applied to travel expenses via the AMEX portal, which gives you more flexibility but can not give you more for your money.

More details coming soon in the Travel Hacking section.

Medical travel insurance 15 days (64 years and under)
Flight delay insurance ($1000, 4h minimum)
Car rental insurance
Baggage & personal effects insurance
Trip cancellation insurance
Travel accident insurance
Hotel burglary insurance
Purchase protection and extended warranty 

or

American Express Platinum

Summary of the offer
  • ≈ $289 in free travel
  • Unlimited access to airport lounges (for 2 people)
  • Gold Elite Status at Marriott and Hilton
  • Hybrid Points (Fixed-Value or Variable-Value)
  • Exceptional insurance coverage
  • Good earn rate on everyday purchases
  • No minimum income required
  • Minimum amount of $3,000 to be attained
  • Certain conditions apply*

or

Read the detailed article on the credit card ❯

American Express Business Gold

A good card to earn more AMEX/Aeroplan Points if you can reach the high minimum spend

≈ $275

in free travel after $5,000 in 3 months

American Express Or PME

If you have a small business (and the definition is very loose, just sell a few things on Kijiji and it counts as a business in the eyes of AMEX), you have access to additional cards that are especially useful if you have already others.

This card comes with a nice welcome bonus but requires a higher minimum amount than personal cards but it remains very interesting to complement its card wallet.

Welcome bonus of 30,000 American Express Points
≈ $450 (estimated value of 1.5 ¢/pt)

Points accumulated on the $5,000 minimum amount
= $75 (minimum value)

Card fees (tax deductible for SMEs)
= $250 (to be deducted from the total)

Total of $ 275 free trips
(minimum value of $ 100)
+ all points accumulated with your regular purchases

After the $275 Singup Bonus …

Here is the Points earn rate:
1 pt (≈ 1.5%) per $ everywhere
or
2 pts (≈ 3.0%) by $ at three suppliers among the AMEX list

American Express Points are hybrid (fixed-value or variable-value) and transferable.

Variable value: Points can be transferred to Aeroplan, Avios, Delta and others (and potentially give you more for your money, but this requires more flexibility). They can also be used via American Express’s fixed-price award chart directly.

Fixed value: Points can also be applied to travel expenses via the AMEX portal, which gives you more flexibility but can not give you more for your money.

More details coming soon in the Travel Hacking section.

No medical travel insurance (SME card)
Flight delay insurance ($500, 4h minimum)
Car rental insurance
Baggage & personnal effects insurance
Trip cancellation insurance
Hotel burglary insurance
Purchase insurance (90 days)
Extended warranty on purchases

Detailed report on the credit card coming soon

American Express Business Gold

Offer Summary
  • ≈ $275 in free travel
  • Points transferable to Aeroplan & others
  • Hybrid Points (Fixed-Value or Variable-Value)
  • Excellent insurance coverage
  • Many AMEX benefits
  • Excellent earn rate with 3 suppliers
  • No minimum income required
  • Minimum spend of $5,000 to reach
  • Certain conditions apply*

Detailed article on the credit card coming soon

All offers described on the Flytrippers website are subject to the financial institutions’ latest terms and conditions that can be found on their website.

Offers from financial institutions change quickly; it is your responsibility to ensure the accuracy of these offers on their website when applying for a card. Flytrippers will not accept any responsibility for the accuracy of the offers or the result of your actions.

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