Best credit cards in Canada

May 2025

Getting new credit cards is one of the best ways for Canadians to travel more for less.

It’s how we easily get over a thousand dollars in travel rewards every year ourselves, all the while improving our credit score and getting plenty of other awesome travel benefits.

The key is to choose cards among the best credit cards in Canada (offers change constantly) and to always pay balances on-time and in full.

Here’s our monthly ranking, which focuses mainly on our Flytrippers Valuation of the credit cards’ welcome bonuses alone, since that’s what will be the same for any type of traveler—and because that is what is most important to maximize travel rewards.

(More details about how the ranking works or our Flytrippers Valuation.)

Flytrippers ranking of the best credit card offers in Canada (May 2025)

These are the best of the best, the credit cards with the highest welcome bonus offers in Canada right now. You can’t go wrong with any of these credit cards that all offer at least hundreds of dollars in travel rewards with their welcome bonuses alone, but we help you choose below too.

You can watch our detailed video about the best credit card offers in Canada this month (and come see the next video live).

Best credit card offers (May 2025)
launch BMO VIPorter World Elite^{^®} Mastercard^{^®} Valuation (BONUS) ≈ $1590Flytrippers Valuation Welcome bonus (after $5k): 20,000 pts (≈ $300) Welcome bonus (after $4k more): 20,000 pts (≈ $300) Welcome bonus (after $9k more): 30,000 pts (≈ $450) Earn on min. spend ($5k): 10,000 pts (≈ $150) Earn on min. spend ($4k more): 8,000 pts (≈ $120) Earn on min. spend ($9k more): 18,000 pts (≈ $270) Card fee: 1^st year free (-$0) (≈ 8.8% back on $18k) Rewards: ≈ $1590 Card fee: $0 $199 Spend required:$18k in 12 mos. (or $5k/$9k) Best for: Incredible offer for those with more spending SIMPLE 80k/150k limited time
launch BMO VIPorter Mastercard^{^®} Valuation (BONUS) ≈ $750Flytrippers Valuation Welcome bonus (after $3k): 10,000 pts (≈ $150) Welcome bonus (after $3k more): 15,000 pts (≈ $225) Welcome bonus (after $4k more): 15,000 pts (≈ $225) Earn on min. spend ($3k): 3,000 pts (≈ $45) Earn on min. spend ($3k more): 3,000 pts (≈ $45) Earn on min. spend ($4k more): 4,000 pts (≈ $60) Card fee: 1^st year free (-$0) (≈ 7.5%* back on $10k) Rewards: ≈ $750 Card fee: $0 $89 Spend required:$10k in 12 mos. (or $3k/$6k) Best for: Great offer for those with more spending SIMPLE limited time
TD First Class Travel^{^®} Visa Infinite^* Card Valuation (BONUS) $1025Flytrippers Valuation Welcome bonus (after 1^st purchase): 20,000 pts ($100) Welcome bonus (after min. spend): 115,000 pts ($575) Earn on min. spend: 30,000 pts ($150) Annual travel credit (2024): On 1^st $500 hotel booking ($100) Annual travel credit (2025): On 1^st $500 hotel booking ($100) Card fee: rebated the 1^st year (-$0) ( 20.5% back on $5k) Rewards: $1025 Annual fee: $0 $139 Spend required:$5k in 6 mos. Best for: Among highest offers ever seen for simple points SIMPLE 60k/100k
American Express^{^®} Gold Rewards Card Valuation (BONUS) ≈ $930Flytrippers Valuation Welcome bonus: 60,000 pts (≈ $900) Earn on min. spend: 12,000 pts (≈ $180) Annual credit: can be cashed out ($100) Card fee: deducted (-$250) Also offered but not included in Valuation: NEXUS credit ($50) (≈ 7.8% back on $12k) Rewards: ≈ $1180 Card fee: $250 Spend required:$12k in 12 mos. Best for: Lucrative rewards and 4 passes for VIP airport lounges LUCRATIVE
record-high RBC Avion Visa Infinite Card Valuation (BONUS) ≈ $780Flytrippers Valuation Welcome bonus (after 1^st purchase): 35,000 pts (≈ $525) Welcome bonus (after min. spend): 20,000 pts (≈ $300) Earn on min. spend: 5,000 pts (≈ $75) Card fee: deducted (-$120) (≈ 15.6% back on $5k) Rewards: ≈ $900 Card fee: $120 Spend required:$5k in 6 mos. Best for: Lucrative rewards w/ unlim. value great if you're flexible LUCRATIVE 60k/100k ends June 11^th
best American Express Cobalt^{^®} Card Valuation (BONUS) ≈ $744Flytrippers Valuation Welcome bonus: 15,000 pts (≈ $225) Earn on min. spend: 45,000 pts (≈ $675) Card fee: deducted (-$156) (≈ 8.3% back on $9k) Rewards: ≈ $900 Card fee: $156 Spend required:$9k in 12 mos. Best for: Best overall card in Canada LUCRATIVE
Scotiabank Gold American Express^{^®} Card Valuation (BONUS) $655Flytrippers Valuation Welcome bonus (after $2k in 3 mos.): 20,000 pts ($200) Welcome bonus (after another $5.5k in 1y): 20,000 pts ($200) Earn on min. spend (2k$): 10,000 pts ($100) Earn on min. spend ($5.5k): 27,500 pts ($275) Card fee: deducted (-$120) ( 8.7% back on $7.5k) Rewards: $775 Card fee: $120 Spend required:$7.5k in 12 mos. (or $2k) Best for: Very good travel insurance and earn rate SIMPLE 12k ends July 1^st
TD^{^®} Aeroplan^{^®} Visa Infinite* Card Valuation (BONUS) ≈ $641Flytrippers Valuation Welcome bonus (after 1^st purchase): 10,000 pts (≈ $150) Welcome bonus (after $7.5k min. spend): 15,000 pts (≈ $225) Earn on $7.5k min. spend: 7,500 pts (≈ $113) Anniversary bonus (after another $4.5k in spend): 15,000 pts (≈ $225) Earn on another $4.5k in spend: 4,500 pts (≈ $67) Card fee (year 1): rebated the 1^st year (-$0) Card fee (year 2): deducted (-$139) (≈ 5.3% back on $12k) Rewards: ≈ $641 Annual fee: $0 $139 Spend required:$12k in 12 mos. (incl. $7.5k in 180 days)^{^†} Best for: Valuable Aeroplan pts and travel benefits like free bags on AC LUCRATIVE 60k/100k
Platinum Card^{^®} from American Express Valuation (BONUS) ≈ $652Flytrippers Valuation Welcome bonus: 70,000 pts (≈ $1050) Earn on min. spend: 10,000 pts (≈ $150) Annual travel credit (year 1): can be cashed out ($200) Dining credit (year 1): $200 credit at conservative valuation (≈ $100) Card fee (year 1): deducted (-$799) Renewal bonus: 30,000 pts (≈ $450) Annual travel credit (year 2): can be cashed out ($200) Dining credit (year 2): $200 credit at conservative valuation (≈ $100) Card fee (year 2): deducted (-$799) (≈ 6.5% back on $10k) Rewards: ≈ $1451 Card fee: $799 Spend required:$10k in 3 mos. Best for: Unlimited access to VIP airport lounges and lucrative rewards LUCRATIVE
Scotiabank Platinum American Express^{^®} Card Valuation (BONUS) $601Flytrippers Valuation Welcome bonus (after $3k in 3 mos.): 60,000 pts ($600) Welcome bonus (after another $7k in 14 mos.): 20,000 pts ($200) Earn on min. spend (3k$): 6,000 pts ($60) Earn on min. spend ($7k): 14,000 pts ($140) Card fee: deducted (-$399) ( 6.0% back on $10k) Rewards: $1000 Card fee: $399 Spend required:$10k in 14 mos. (or $3k) Best for: 10 airport lounge passes and no FX fees SIMPLE 12k ends October 31^st
TD^{^®} Aeroplan^{^®} Visa* Infinite Privilege* Card Valuation (BONUS) ≈ $527Flytrippers Valuation Welcome bonus (after 1^st purchase): 20,000 pts (≈ $300) Welcome bonus (after $12k min. spend): 35,000 pts (≈ $525) Earn on 12k min. spend: 15,000 pts (≈ $225) Anniversary bonus (after another $12k in spend): 30,000 pts (≈ $450) Earn on another 12k in spend: 15,000 pts (≈ $225) Card fee (year 1): deducted (-$599) Card fee (year 2): deducted (-$599) (≈ 2.2% back on $24k) Rewards: ≈ $1126 Annual fee: $599 Spend required:$24k in 12 mos. (or $12k) Best for: For Air Canada lounge access and 6 passes (other lounges) LUCRATIVE 150k/200k
RBC Avion Visa Infinite Privilege Card Valuation (BONUS) ≈ $520Flytrippers Valuation Welcome bonus (upon approval): 35,000 pts (≈ $525) Welcome bonus (after min. spend): 20,000 pts (≈ $300) Earn on min. spend: 6,250 pts (≈ $94) Card fee: deducted (-$399) Also offered but not included in Valuation: renewal bonus of 15,000 pts (≈ $225) (≈ 10.4% back on $5k) Rewards: ≈ $919 Card fee: $399 Spend required:$5k in 6 mos. Best for: Lucrative pts and 6 passes for VIP airport lounges LUCRATIVE 200k/200k limited time
American Express^{^®} Business Gold Rewards Card Valuation (BONUS) ≈ $514Flytrippers Valuation Welcome bonus: 40,000 pts (≈ $600) Earn on min. spend: 7,500 pts (≈ $113) Card fee: deducted (-$199) Also offered but not included in Valuation: quarterly spending bonus (≈ 6.9% back on $7.5k) Rewards: ≈ $713 Card fee: $199 Spend required:$7.5k in 3 mos. Best for: More valuable Amex points for Aeroplan or Avios LUCRATIVE
American Express^{^®} Aeroplan^{^®} Reserve Card Valuation (BONUS) ≈ $442Flytrippers Valuation Welcome bonus: 60,000 pts (≈ $900) Earn on min. spend: 9,375 pts (≈ $141) Card fee: deducted (-$599) Also offered but not included in Valuation: renewal bonus of 25,000 pts (≈ $375) with extra $2500 spend (≈ 5.9%* back on $7.5k) Rewards: ≈ $1041 Card fee: $599 Spend required:$7.5k in 3 mos. Best for: For Air Canada lounge access & other AC benefits LUCRATIVE
Marriott Bonvoy^{^™} American Express^{^®} Card Valuation (BONUS) ≈ $357Flytrippers Valuation Welcome bonus: 50,000 pts (≈ $450) Earn on min. spend: 3,000 pts (≈ $27) Card fee: deducted (-$120) (≈ 23.8% back on $1.5k) Rewards: ≈ $477 Card fee: $120 Spend required:$1.5k in 3 mos. Best for: Very lucrative hotel points for specific hotels LUCRATIVE
Terms and conditions apply. Flytrippers editorial opinion only. Financial institutions are not responsible for maintaining the content on this site. Please click "See More" to see most up-to-date information.

Best credit card offers (May 2025)		WELCOME BONUS ( VALUATION)	Best for
launch	BMO VIPorter World Elite^{^®} Mastercard^{^®} Min. income (card): $80k or $150kMinimum personal income of $80,000 or minimum household income of $150,000 Min. spend (bonus): $18k in 12 mos. (or $5k/$9k for lower bonus)	≈ $1590Flytrippers Valuation Welcome bonus (after $5k): 20,000 pts (≈ $300) Welcome bonus (after $4k more): 20,000 pts (≈ $300) Welcome bonus (after $9k more): 30,000 pts (≈ $450) Earn on min. spend ($5k): 10,000 pts (≈ $150) Earn on min. spend ($4k more): 8,000 pts (≈ $120) Earn on min. spend ($9k more): 18,000 pts (≈ $270) Card fee: 1^st year free (-$0) Rewards: ≈ $1590 Card fee: $0 $199	Incredible offer for those with more spending	limited time
launch	BMO VIPorter Mastercard^{^®*} Min. income (card): $0No minimum income required. Min. spend (bonus): $10k in 12 mos. (or $3k/$6k for lower bonus)	≈ $750Flytrippers Valuation Welcome bonus (after $3k): 10,000 pts (≈ $150) Welcome bonus (after $3k more): 15,000 pts (≈ $225) Welcome bonus (after $4k more): 15,000 pts (≈ $225) Earn on min. spend ($3k): 3,000 pts (≈ $45) Earn on min. spend ($3k more): 3,000 pts (≈ $45) Earn on min. spend ($4k more): 4,000 pts (≈ $60) Card fee: 1^st year free (-$0) Rewards: ≈ $750 Card fee: $0 $89	Great offer for those with more spending	limited time
	TD First Class Travel^{^®} Visa Infinite^* Card Min. income (card): $60k or $100kMinimum personal income of $60,000 or minimum household income of $100,000 Min. spend (bonus): $5k in 6 months	$1025Flytrippers Valuation Welcome bonus (after 1^st purchase): 20,000 pts ($100) Welcome bonus (after min. spend): 115,000 pts ($575) Earn on min. spend: 30,000 pts ($150) Annual travel credit (2024): On 1^st $500 hotel booking ($100) Annual travel credit (2025): On 1^st $500 hotel booking ($100) Card fee: rebated the 1^st year (-$0) Rewards: $1025 Annual fee: $0 $139	Among highest offers ever seen for simple points
	American Express^{^®} Gold Rewards Card Min. income (card): $0No minimum income required. Min. spend (bonus): $1k/month for 12 months	≈ $930Flytrippers Valuation Welcome bonus: 60,000 pts (≈ $900) Earn on min. spend: 12,000 pts (≈ $180) Annual credit: can be cashed out ($100) Card fee: deducted (-$250) Also offered but not included in Valuation: NEXUS credit ($50) Rewards: ≈ $1180 Card fee: $250	Lucrative rewards and 4 passes for VIP airport lounges
record-high	RBC Avion Visa Infinite Card Min. income (card): $60k or $100kMinimum personal income of $60,000 or minimum household income of $100,000 Min. spend (bonus): $5k in 6 mos.	≈ $780Flytrippers Valuation Welcome bonus (after 1^st purchase): 35,000 pts (≈ $525) Welcome bonus (after min. spend): 20,000 pts (≈ $300) Earn on min. spend: 5,000 pts (≈ $75) Card fee: deducted (-$120) Rewards: ≈ $900 Card fee: $120	Lucrative rewards w/ unlim. value great if you're flexible	ends June 11^th apply now
best	American Express Cobalt^{^®} Card Min. income (card): $0No minimum income required. Min. spend (bonus): $750/month for 12 months	≈ $744Flytrippers Valuation Welcome bonus: 15,000 pts (≈ $225) Earn on min. spend: 45,000 pts (≈ $675) Card fee: deducted (-$156) Rewards: ≈ $900 Card fee: $156	Best overall card in Canada
	Scotiabank Gold American Express^{^®} Card Min. income (card): $12kMinimum personal income of $12,000 Min. spend (bonus): $7.5k in 12 mos. (or $2k for lower bonus)	$655Flytrippers Valuation Welcome bonus (after $2k in 3 mos.): 20,000 pts ($200) Welcome bonus (after another $5.5k in 1y): 20,000 pts ($200) Earn on min. spend (2k$): 10,000 pts ($100) Earn on min. spend ($5.5k): 27,500 pts ($275) Card fee: deducted (-$120) Rewards: $775 Card fee: $120	Very good travel insurance and earn rate	ends July 1^st
	TD^{^®} Aeroplan^{^®} Visa Infinite* Card Min. income (card): $60k or $100kMinimum personal income of $60,000 or minimum household income of $100,000 Min. spend (bonus): $12k in 12 mos. (incl. $7.5k in 180 days)^{^†}	≈ $641Flytrippers Valuation Welcome bonus (after 1^st purchase): 10,000 pts (≈ $150) Welcome bonus (after $7.5k min. spend): 15,000 pts (≈ $225) Earn on $7.5k min. spend: 7,500 pts (≈ $113) Anniversary bonus (after another $4.5k in spend): 15,000 pts (≈ $225) Earn on another $4.5k in spend: 4,500 pts (≈ $67) Card fee (year 1): rebated the 1^st year (-$0) Card fee (year 2): deducted (-$139) Rewards: ≈ $641 Annual fee: $0 $139	Valuable Aeroplan pts and travel benefits like free bags on AC
	Platinum Card^{^®} from American Express Min. income (card): $0No minimum income required. Min. spend (bonus): $10k in 3 mos.	≈ $652Flytrippers Valuation Welcome bonus: 70,000 pts (≈ $1050) Earn on min. spend: 10,000 pts (≈ $150) Annual travel credit (year 1): can be cashed out ($200) Dining credit (year 1): $200 credit at conservative valuation (≈ $100) Card fee (year 1): deducted (-$799) Renewal bonus: 30,000 pts (≈ $450) Annual travel credit (year 2): can be cashed out ($200) Dining credit (year 2): $200 credit at conservative valuation (≈ $100) Card fee (year 2): deducted (-$799) Rewards: ≈ $1451 Card fee: $799	Unlimited access to VIP airport lounges and lucrative rewards
	Scotiabank Platinum American Express^{^®} Card Min. income (card): $12kMinimum personal income of $12,000 Min. spend (bonus): $10k in 14 mos. (or $3k for lower bonus)	$601Flytrippers Valuation Welcome bonus (after $3k in 3 mos.): 60,000 pts ($600) Welcome bonus (after another $7k in 14 mos.): 20,000 pts ($200) Earn on min. spend (3k$): 6,000 pts ($60) Earn on min. spend ($7k): 14,000 pts ($140) Card fee: deducted (-$399) Rewards: $1000 Card fee: $399	10 airport lounge passes and no FX fees	ends October 31^st
	TD^{^®} Aeroplan^{^®} Visa* Infinite Privilege* Card Min. income (card): $150k or $200kMinimum personal income of $150,000 or minimum household income of $200,000 Min. spend (bonus): $24k in 12 mos. (or $12k for lower bonus)	≈ $527Flytrippers Valuation Welcome bonus (after 1^st purchase): 20,000 pts (≈ $300) Welcome bonus (after $12k min. spend): 35,000 pts (≈ $525) Earn on 12k min. spend: 15,000 pts (≈ $225) Anniversary bonus (after another $12k in spend): 30,000 pts (≈ $450) Earn on another 12k in spend: 15,000 pts (≈ $225) Card fee (year 1): deducted (-$599) Card fee (year 2): deducted (-$599) Rewards: ≈ $1126 Annual fee: $599	For Air Canada lounge access and 6 passes (other lounges)
	RBC Avion Visa Infinite Privilege Card Min. income (card): $200k or $200kMinimum personal income of $200,000 or minimum household income of $200,000 Min. spend (bonus): $5k in 6 mos.	≈ $520Flytrippers Valuation Welcome bonus (upon approval): 35,000 pts (≈ $525) Welcome bonus (after min. spend): 20,000 pts (≈ $300) Earn on min. spend: 6,250 pts (≈ $94) Card fee: deducted (-$399) Also offered but not included in Valuation: renewal bonus of 15,000 pts (≈ $225) Rewards: ≈ $919 Card fee: $399	Lucrative pts and 6 passes for VIP airport lounges	limited time
	American Express^{^®} Business Gold Rewards Card Card: no business required Min. spend (bonus): $7.5k in 3 mos.	≈ $514Flytrippers Valuation Welcome bonus: 40,000 pts (≈ $600) Earn on min. spend: 7,500 pts (≈ $113) Card fee: deducted (-$199) Also offered but not included in Valuation: quarterly spending bonus Rewards: ≈ $713 Card fee: $199	More valuable Amex points for Aeroplan or Avios
	American Express^{^®} Aeroplan^{^®*} Reserve Card Min. income (card): $0No minimum income required. Min. spend (bonus): $7.5k in 3 mos.	≈ $442Flytrippers Valuation Welcome bonus: 60,000 pts (≈ $900) Earn on min. spend: 9,375 pts (≈ $141) Card fee: deducted (-$599) Also offered but not included in Valuation: renewal bonus of 25,000 pts (≈ $375) with extra $2500 spend Rewards: ≈ $1041 Card fee: $599	For Air Canada lounge access & other AC benefits
	Marriott Bonvoy^{^™} American Express^{^®} Card Min. income (card): $0No minimum income required. Min. spend (bonus): $1.5k in 3 mos.	≈ $357Flytrippers Valuation Welcome bonus: 50,000 pts (≈ $450) Earn on min. spend: 3,000 pts (≈ $27) Card fee: deducted (-$120) Rewards: ≈ $477 Card fee: $120	Very lucrative hotel points for specific hotels
Terms and conditions apply. Flytrippers editorial opinion only. Financial institutions are not responsible for maintaining the content on this site. Please click "See More" to see most up-to-date information.

Best credit cards in Canada by category

Since there is no such thing as one “best card”, this beta version of our ranking of the best credit cards is now also split into various different sections based on your own preferences, profile, and strategy.

You can read a teaser about how to choose the best credit cards for you below the ranking, with more to come.

We’ll soon have even more categories, detailed credit card pages, comparison features, and more: sign up for free to be the first to get the full version.

Beginners: our upcoming free course (written & video) will explain how travel rewards & credit cards work in greater detail, but if you are new to this world, it’s important to read some basic knowledge (like not canceling old cards) also below the ranking.

Best cards by category hide

Best credit cards in Canada for groceries

Best credit cards in Canada for airport lounge access

Best credit cards in Canada for flight delay insurance

Best credit cards in Canada for easy fixed-value travel credits

Best credit cards in Canada for Marriott Bonvoy points

Best credit cards in Canada for Aeroplan points

Best credit cards in Canada for Avios points

Best credit cards in Canada for other airline points

Best credit cards in Canada for WestJet dollars

Best credit cards in Canada for AIR MILES Rewards

Best credit cards in Canada for cashback

Best credit cards in Canada with no foreign transaction fees

Best credit cards in Canada for balance transfers

Best credit cards in Canada with low minimum spends

Best credit cards in Canada for businesses

Best prepaid credit cards in Canada

Other upcoming credit card categories

Other upcoming financial categories

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Best credit cards in Canada for groceries

A lot of travel rewards beginners have a hard time understanding that earn rates aren’t as important as welcome bonuses, so we figured adding this section would be a great opportunity to remind you. But with groceries being such a big expense, these cards are great for those getting started out.

You can read our detailed page about the best credit cards in Canada for groceries (coming soon).

Best credit cards for groceries
Best American Express Cobalt^{^®} Card Valuation (BONUS) ≈ $744Flytrippers Valuation Welcome bonus: 15,000 pts (≈ $225) Earn on min. spend: 45,000 pts (≈ $675) Card fee: deducted (-$156) (≈ 8.3% back on $9k) Rewards: ≈ $900 Card fee: $156 Spend required:$9k in 12 mos. Best for: ≈ 7.5% as Aeroplan/Avios pts $2.5k monthly cap LUCRATIVE
Best American Express Cobalt^{^®} Card Valuation (BONUS) $444^∗Flytrippers Valuation (as cash back; ≈ $744 actual Valuation) Welcome bonus: 15,000 pts ($150) Earn on min. spend: 45,000 pts ($450) Card fee: deducted (-$156) ( 4.9%* back on $9k) Rewards: $600 Card fee: $156 Spend required:$9k in 12 mos. Best for: 5% as cash back $2.5k monthly cap LUCRATIVE
Scotiabank Gold American Express^{^®} Card Valuation (BONUS) $655Flytrippers Valuation Welcome bonus (after $2k in 3 mos.): 20,000 pts ($200) Welcome bonus (after another $5.5k in 1y): 20,000 pts ($200) Earn on min. spend (2k$): 10,000 pts ($100) Earn on min. spend ($5.5k): 27,500 pts ($275) Card fee: deducted (-$120) ( 8.7% back on $7.5k) Rewards: $775 Card fee: $120 Spend required:$7.5k in 12 mos. (or $2k) Best for: 6% (Sobeys brands) in simple credit $50k annual cap SIMPLE 12k ends July 1^st
Scotiabank Gold American Express^{^®} Card Valuation (BONUS) $655Flytrippers Valuation Welcome bonus (after $2k in 3 mos.): 20,000 pts ($200) Welcome bonus (after another $5.5k in 1y): 20,000 pts ($200) Earn on min. spend (2k$): 10,000 pts ($100) Earn on min. spend ($5.5k): 27,500 pts ($275) Card fee: deducted (-$120) ( 8.7% back on $7.5k) Rewards: $775 Card fee: $120 Spend required:$7.5k in 12 mos. (or $2k) Best for: 5% in simple credit $50k annual cap SIMPLE 12k ends July 1^st
MBNA Rewards World Elite^{^®} Mastercard^{^®} Valuation (BONUS) $280Flytrippers Valuation Welcome bonus (after min. spend): 20,000 pts ($200) Welcome bonus (after e-statements): 10,000 pts ($100) Earn on min. spend: 10,000 pts ($100) Card fee: deducted (-$120) ( 14.0% back on $2k) Rewards: $400 Card fee: $120 Spend required:$2k in 3 mos. (see QC offer) Best for: 5% as simple points $50k annual cap* SIMPLE 80k/150k
BMO CashBack^{^®} World Elite^{^®} Mastercard^{^®} Valuation (BONUS) $230Flytrippers Valuation Welcome bonus (groceries): 10% cash back on $500 ($50) Welcome bonus (gas and EV charging): 10% cash back on $300 ($30) Welcome bonus (bill payments): 10% cash back on $500 ($50) Welcome bonus (other purchases): 10% cash back on $1000 ($100) Card fee: 1^st year free (-$0) Also offered but not included in Valuation: 10% cash back on $300 in mass transit ($30) Also offered but not included in Valuation: bonus cash back if you spend $25,000 ($75) ( 10% back on $2.3k) Rewards: $230 Card fee: $0 $120 Spend required:$2.3k in 3 mos. (categories) Best for: 5% as cash back $500 monthly cap 💲SIMPLE 80k/150k ends June 1^st
SimplyCash^{^®} Preferred Card from American Express Valuation (BONUS) $80Flytrippers Valuation Welcome bonus: 10% cash back on $2k ($200) Card fee: deducted (-$120) ( 4% back on $2k) Rewards: $200 Card fee: $120 Spend required:$2k in 3 mos. Best for: 4% as cash back $30k annual cap SIMPLE
Scotia Momentum^{^®} Visa Infinite* Card Valuation (BONUS) $200Flytrippers Valuation Welcome bonus: 10% cash back on $2k ($200) Card fee: rebated the 1^st year (-$0) ( 10% back on $2k) Rewards: $200 Card fee: $0 $120 Spend required:$2k in 3 mos. Best for: 4% as cash back $25k annual cap 💲SIMPLE 60k/100k ends June 30^th
BMO eclipse Visa Infinite* Card Valuation (BONUS) $360Flytrippers Valuation Welcome bonus: 30,000 pts ($200) Earn on min. spend: 9,000 pts ($60) Lifestyle credits: two in 1^st year ($100) Card fee: first year free (-$0) Additional monthly spend bonus also offered ( 12% back on $3k) Rewards: $360 Card fee: $0 $120 Spend required:$3k in 3 mos. Best for: 3.33% in simple credit $50k annual cap SIMPLE 60k/100k
extended TD First Class Travel^{^®} Visa Infinite^* Card Valuation (BONUS) $1025Flytrippers Valuation Welcome bonus (after 1^st purchase): 20,000 pts ($100) Welcome bonus (after min. spend): 115,000 pts ($575) Earn on min. spend: 30,000 pts ($150) Annual travel credit (2024): On 1^st $500 hotel booking ($100) Annual travel credit (2025): On 1^st $500 hotel booking ($100) Card fee: rebated the 1^st year (-$0) ( 20.5% back on $5k) Rewards: $1025 Annual fee: $0 $139 Spend required:$5k in 6 mos. Best for: 3% in simple pts (6 TD Rewards pts/$) $25k annual cap SIMPLE 60k/100k
TD Cash Back Visa Infinite* Card Valuation (BONUS) $350Flytrippers Valuation Welcome bonus (10% earn rate on 3 categories): cash back ($350) Card fee: rebated the 1^st year (-$0) ( 10% back on $3.5k) Rewards: $350 Annual fee: $0 $139 Spend required:$3.5k in 3 mos. Best for: 3% as cash back $15k annual cap 💲SIMPLE 60k/100k
Tangerine World Mastercard^{^®} Valuation (BONUS) $120Flytrippers Valuation Welcome bonus: 10% cash back on $1k ($100) Earn on min. spend: 2% in 3 categories ($20) Card fee: none (-$0) ( 12% back on $1k) Rewards: $120 Card fee: $0 Spend required:$1k in 2 mos. Best for: 2% as cash back no cap SIMPLE 50k/80k ends August 31^st
Terms and conditions apply. Flytrippers editorial opinion only. Financial institutions are not responsible for maintaining the content on this site. Please click "See More" to see most up-to-date information.

Best credit cards for groceries		WELCOME BONUS ( VALUATION)	Earn rate on groceries
Best	American Express Cobalt^{^®} Card Min. income (card): $0No minimum income required. Min. spend (bonus): $750/month for 12 months	≈ $744Flytrippers Valuation Welcome bonus: 15,000 pts (≈ $225) Earn on min. spend: 45,000 pts (≈ $675) Card fee: deducted (-$156) Rewards: ≈ $900 Card fee: $156	≈ 7.5% as Aeroplan/Avios pts $2.5k monthly cap
Best	American Express Cobalt^{^®} Card Min. income (card): $0No minimum income required. Min. spend (bonus): $750/month for 12 months	$444^∗Flytrippers Valuation (*as cash back; ≈ $744 actual Valuation) Welcome bonus: 15,000 pts ($150) Earn on min. spend: 45,000 pts ($450) Card fee: deducted (-$156) Rewards: $600 Card fee: $156	5% as cash back $2.5k monthly cap
	Scotiabank Gold American Express^{^®} Card Min. income (card): $12kMinimum personal income of $12,000 Min. spend (bonus): $7.5k in 12 mos. (or $2k for lower bonus)	$655Flytrippers Valuation Welcome bonus (after $2k in 3 mos.): 20,000 pts ($200) Welcome bonus (after another $5.5k in 1y): 20,000 pts ($200) Earn on min. spend (2k$): 10,000 pts ($100) Earn on min. spend ($5.5k): 27,500 pts ($275) Card fee: deducted (-$120) Rewards: $775 Card fee: $120	6% (Sobeys brands) in simple credit $50k annual cap	ends July 1^st
	Scotiabank Gold American Express^{^®} Card Min. income (card): $12kMinimum personal income of $12,000 Min. spend (bonus): $7.5k in 12 mos. (or $2k for lower bonus)	$655Flytrippers Valuation Welcome bonus (after $2k in 3 mos.): 20,000 pts ($200) Welcome bonus (after another $5.5k in 1y): 20,000 pts ($200) Earn on min. spend (2k$): 10,000 pts ($100) Earn on min. spend ($5.5k): 27,500 pts ($275) Card fee: deducted (-$120) Rewards: $775 Card fee: $120	5% in simple credit $50k annual cap	ends July 1^st
	MBNA Rewards World Elite^{^®} Mastercard^{^®} Min. income (card): $80k or $150kMinimum personal income of $80,000 or minimum household income of $150,000 Min. spend (bonus): $2k in 3 mos. (see QC offer)	$280Flytrippers Valuation Welcome bonus (after min. spend): 20,000 pts ($200) Welcome bonus (after e-statements): 10,000 pts ($100) Earn on min. spend: 10,000 pts ($100) Card fee: deducted (-$120) Rewards: $400 Card fee: $120	5% as simple points $50k annual cap*
	BMO CashBack^{^®} World Elite^{^®} Mastercard^{^®} Min. income (card): $80k or $150kMinimum personal income of $80,000 or minimum household income of $150,000 Min. spend (bonus): $2.3k in 3 mos. (categories)	$230Flytrippers Valuation Welcome bonus (groceries): 10% cash back on $500 ($50) Welcome bonus (gas and EV charging): 10% cash back on $300 ($30) Welcome bonus (bill payments): 10% cash back on $500 ($50) Welcome bonus (other purchases): 10% cash back on $1000 ($100) Card fee: 1^st year free (-$0) Also offered but not included in Valuation: 10% cash back on $300 in mass transit ($30) Also offered but not included in Valuation: bonus cash back if you spend $25,000 ($75) Rewards: $230 Card fee: $0 $120	5% as cash back $500 monthly cap	ends June 1^st
	SimplyCash^{^®} Preferred Card from American Express Min. income (card): $0No minimum income required. Min. spend (bonus): $2k in 3 mos.	$80Flytrippers Valuation Welcome bonus: 10% cash back on $2k ($200) Card fee: deducted (-$120) Rewards: $200 Card fee: $120	4% as cash back $30k annual cap
	Scotia Momentum^{^®} Visa Infinite* Card Min. income (card): $60k or $100kMinimum personal income of $60,000 or minimum household income of $100,000 Min. spend (bonus): $2k in 3 mos.	$200Flytrippers Valuation Welcome bonus: 10% cash back on $2k ($200) Card fee: rebated the 1^st year (-$0) Rewards: $200 Card fee: $0 $120	4% as cash back $25k annual cap	ends June 30^th
	BMO eclipse Visa Infinite* Card Min. income (card): $60k or $100kMinimum personal income of $60,000 or minimum household income of $100,000 Min. spend (bonus): $3k in 3 mos.	$360Flytrippers Valuation Welcome bonus: 30,000 pts ($200) Earn on min. spend: 9,000 pts ($60) Lifestyle credits: two in 1^st year ($100) Card fee: first year free (-$0) Additional monthly spend bonus also offered Rewards: $360 Card fee: $0 $120	3.33% in simple credit $50k annual cap
extended	TD First Class Travel^{^®} Visa Infinite^* Card Min. income (card): $60k or $100kMinimum personal income of $60,000 or minimum household income of $100,000 Min. spend (bonus): $5k in 6 months	$1025Flytrippers Valuation Welcome bonus (after 1^st purchase): 20,000 pts ($100) Welcome bonus (after min. spend): 115,000 pts ($575) Earn on min. spend: 30,000 pts ($150) Annual travel credit (2024): On 1^st $500 hotel booking ($100) Annual travel credit (2025): On 1^st $500 hotel booking ($100) Card fee: rebated the 1^st year (-$0) Rewards: $1025 Annual fee: $0 $139	3% in simple pts (6 TD Rewards pts/$) $25k annual cap
	TD Cash Back Visa Infinite* Card Min. income (card): $60k or $100kMinimum personal income of $60,000 or minimum household income of $100,000 Min. spend (bonus): $3.5k in 3 months	$350Flytrippers Valuation Welcome bonus (10% earn rate on 3 categories): cash back ($350) Card fee: rebated the 1^st year (-$0) Rewards: $350 Annual fee: $0 $139	3% as cash back $15k annual cap
	Tangerine World Mastercard^{^®} Min. income (card): $50k or $80kMinimum personal income of $50,000 or minimum household income of $80,000 Min. spend (bonus): $1k in 2 mos.	$120Flytrippers Valuation Welcome bonus: 10% cash back on $1k ($100) Earn on min. spend: 2% in 3 categories ($20) Card fee: none (-$0) Rewards: $120 Card fee: $0	2% as cash back no cap	ends August 31^st
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Best credit cards in Canada for airport lounge access

The only thing better than airport lounge access is free airport lounge access. We love airport lounges. And it’s easy for any Canadian to get free airport lounge access with these cards, no matter how often you travel.

You can read our detailed page about the best credit cards in Canada for airport lounge access.

Best credit cards for airport lounge access
Best Platinum Card^{^®} from American Express Valuation (BONUS) ≈ $652Flytrippers Valuation Welcome bonus: 70,000 pts (≈ $1050) Earn on min. spend: 10,000 pts (≈ $150) Annual travel credit (year 1): can be cashed out ($200) Dining credit (year 1): $200 credit at conservative valuation (≈ $100) Card fee (year 1): deducted (-$799) Renewal bonus: 30,000 pts (≈ $450) Annual travel credit (year 2): can be cashed out ($200) Dining credit (year 2): $200 credit at conservative valuation (≈ $100) Card fee (year 2): deducted (-$799) (≈ 6.5% back on $10k) Rewards: ≈ $1451 Card fee: $799 Spend required:$10k in 3 mos. Best for: Unlimited + 1 guest worldwide Priority Pass + more LUCRATIVE
Scotiabank Passport^{^®} Visa Infinite^* Card Valuation (BONUS) $190Flytrippers Valuation Welcome bonus: 30,000 pts ($300) Earn on min. spend: 4,000 pts ($40) Card fee: deducted (-$150) Also offered but not included in Valuation: additional spend bonus of 10,000 pts ($100) ( 9.5% back on $2k) Rewards: $340 Card fee: $150 Spend required:$2k in 3 mos. Best for: 6 passes worldwide DragonPass SIMPLE 60k/100k ends July 1^st
American Express^{^®} Aeroplan^{^®} Reserve Card Valuation (BONUS) ≈ $442Flytrippers Valuation Welcome bonus: 60,000 pts (≈ $900) Earn on min. spend: 9,375 pts (≈ $141) Card fee: deducted (-$599) Also offered but not included in Valuation: renewal bonus of 25,000 pts (≈ $375) with extra $2500 spend (≈ 5.9%* back on $7.5k) Rewards: ≈ $1041 Card fee: $599 Spend required:$7.5k in 3 mos. Best for: Unlimited + 1 guest in North America Air Canada Lounges (on *A) LUCRATIVE
American Express^{^®} Gold Rewards Card Valuation (BONUS) ≈ $930Flytrippers Valuation Welcome bonus: 60,000 pts (≈ $900) Earn on min. spend: 12,000 pts (≈ $180) Annual credit: can be cashed out ($100) Card fee: deducted (-$250) Also offered but not included in Valuation: NEXUS credit ($50) (≈ 7.8% back on $12k) Rewards: ≈ $1180 Card fee: $250 Spend required:$12k in 12 mos. Best for: 4 passes in Canada Plaza Premium only LUCRATIVE
NEW Scotiabank Platinum American Express^{^®} Card Valuation (BONUS) $601Flytrippers Valuation Welcome bonus (after $3k in 3 mos.): 60,000 pts ($600) Welcome bonus (after another $7k in 14 mos.): 20,000 pts ($200) Earn on min. spend (3k$): 6,000 pts ($60) Earn on min. spend ($7k): 14,000 pts ($140) Card fee: deducted (-$399) ( 6.0% back on $10k) Rewards: $1000 Card fee: $399 Spend required:$10k in 14 mos. (or $3k) Best for: 10 passes worldwide Priority Pass & Plaza Premium SIMPLE 12k ends October 31^st
BMO eclipse Visa Infinite Privilege* Card Valuation (BONUS) $254Flytrippers Valuation Welcome bonus: 50,000 pts ($333) Earn on min. spend: 18,000 pts ($120) Lifestyle credits: two in 1^st year ($400) Card fee: deducted (-$599) Also offered but not included in Valuation: additional bonus of 30,000 pts ($200) if you spend $30,000 in the first 6 months Also offered but not included in Valuation: additional bonus of 40,000 pts ($267) if you spend $75,000 in the first 12 months ( 4.2% back on $6k) Rewards: $853 Card fee: $599 Spend required:$6k in 3 mos. Best for: 6 passes worldwide DragonPass SIMPLE 150k/200k
NEW TD^{^®} Aeroplan^{^®} Visa* Infinite Privilege* Card Valuation (BONUS) ≈ $527Flytrippers Valuation Welcome bonus (after 1^st purchase): 20,000 pts (≈ $300) Welcome bonus (after $12k min. spend): 35,000 pts (≈ $525) Earn on 12k min. spend: 15,000 pts (≈ $225) Anniversary bonus (after another $12k in spend): 30,000 pts (≈ $450) Earn on another 12k in spend: 15,000 pts (≈ $225) Card fee (year 1): deducted (-$599) Card fee (year 2): deducted (-$599) (≈ 2.2% back on $24k) Rewards: ≈ $1126 Annual fee: $599 Spend required:$24k in 12 mos. (or $12k) Best for: Unlimited + 1 guest in North America AC Lounges* + 6 DragonPass LUCRATIVE 150k/200k
BMO Ascend^{^™} World Elite^{^®} MasterCard^{^®} Valuation (BONUS) $330Flytrippers Valuation Welcome bonus: 45,000 pts ($300) Earn on min. spend: 4,500 pts ($30) Card fee: none the 1^st year (-$0) Also offered but not included in Valuation: monthly bonus of 3,750 pts ($25) if you spend $2500 in the month (months 4 to 15) ( 7.3% back on $4.5k) Rewards: $330 Card fee: $0 $150 Spend required:$4.5k in 3 mos. Best for: 4 passes worldwide DragonPass SIMPLE 80k/150k
Business Platinum Card^{^®} from American Express Valuation (BONUS) ≈ $1123Flytrippers Valuation Welcome bonus: 80,000 pts (≈ $1200) Earn on min. spend: 18,750 pts (≈ $281) Annual travel credit (year 1): can be cashed out ($200) Wireless credit (year 1): $10 per month ($120) Card fee (year 1): deducted (-$799) Renewal bonus: 40,000 pts (≈ $600) Annual travel credit (year 1): can be cashed out ($200) Wireless credit (year 2): $10 per month ($120) Card fee (year 2): deducted (-$799) (≈ 7.5% back on $15k) Rewards: ≈ $1922 Card fee: $799 Spend required:$15k in 3 mos. Best for: Unlimited + 1 guest worldwide Priority Pass + more LUCRATIVE
American Express^{^®} Aeroplan^{^®} Business Reserve Card Valuation (BONUS) ≈ $573Flytrippers Valuation Welcome bonus: 65,000 pts (≈ $975) Earn on min. spend: 13,125 pts (≈ $197) Card fee: deducted (-$599) Also offered but not included in Valuation: renewal bonus of 25,000 pts (≈ $375) with extra $3500 spend (≈ 5.5%* back on $10.5k) Rewards: ≈ $1172 Card fee: $599 Spend required:$10.5k in 3 mos. Best for: Unlimited + 1 guest in North America Air Canada Lounges (on *A) LUCRATIVE
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Best credit cards for airport lounge access		WELCOME BONUS ( VALUATION)	Lounge passes
Best	Platinum Card^{^®} from American Express Min. income (card): $0No minimum income required. Min. spend (bonus): $10k in 3 mos.	≈ $652Flytrippers Valuation Welcome bonus: 70,000 pts (≈ $1050) Earn on min. spend: 10,000 pts (≈ $150) Annual travel credit (year 1): can be cashed out ($200) Dining credit (year 1): $200 credit at conservative valuation (≈ $100) Card fee (year 1): deducted (-$799) Renewal bonus: 30,000 pts (≈ $450) Annual travel credit (year 2): can be cashed out ($200) Dining credit (year 2): $200 credit at conservative valuation (≈ $100) Card fee (year 2): deducted (-$799) Rewards: ≈ $1451 Card fee: $799	Unlimited + 1 guest worldwide Priority Pass + more
	Scotiabank Passport^{^®} Visa Infinite^* Card Min. income (card): $60k or $100kMinimum personal income of $60,000 or minimum household income of $100,000 Min. spend (bonus): $2k in 3 mos.	$190Flytrippers Valuation Welcome bonus: 30,000 pts ($300) Earn on min. spend: 4,000 pts ($40) Card fee: deducted (-$150) Also offered but not included in Valuation: additional spend bonus of 10,000 pts ($100) Rewards: $340 Card fee: $150	6 passes worldwide DragonPass	ends July 1^st
	American Express^{^®} Aeroplan^{^®*} Reserve Card Min. income (card): $0No minimum income required. Min. spend (bonus): $7.5k in 3 mos.	≈ $442Flytrippers Valuation Welcome bonus: 60,000 pts (≈ $900) Earn on min. spend: 9,375 pts (≈ $141) Card fee: deducted (-$599) Also offered but not included in Valuation: renewal bonus of 25,000 pts (≈ $375) with extra $2500 spend Rewards: ≈ $1041 Card fee: $599	Unlimited + 1 guest in North America Air Canada Lounges (on *A)
	American Express^{^®} Gold Rewards Card Min. income (card): $0No minimum income required. Min. spend (bonus): $1k/month for 12 months	≈ $930Flytrippers Valuation Welcome bonus: 60,000 pts (≈ $900) Earn on min. spend: 12,000 pts (≈ $180) Annual credit: can be cashed out ($100) Card fee: deducted (-$250) Also offered but not included in Valuation: NEXUS credit ($50) Rewards: ≈ $1180 Card fee: $250	4 passes in Canada Plaza Premium only
NEW	Scotiabank Platinum American Express^{^®} Card Min. income (card): $12kMinimum personal income of $12,000 Min. spend (bonus): $10k in 14 mos. (or $3k for lower bonus)	$601Flytrippers Valuation Welcome bonus (after $3k in 3 mos.): 60,000 pts ($600) Welcome bonus (after another $7k in 14 mos.): 20,000 pts ($200) Earn on min. spend (3k$): 6,000 pts ($60) Earn on min. spend ($7k): 14,000 pts ($140) Card fee: deducted (-$399) Rewards: $1000 Card fee: $399	10 passes worldwide Priority Pass & Plaza Premium	ends October 31^st
	BMO eclipse Visa Infinite Privilege* Card Min. income (card): $150k or $200kMinimum personal income of $150,000 or minimum household income of $200,000 Min. spend (bonus): $6k in 3 mos.	$254Flytrippers Valuation Welcome bonus: 50,000 pts ($333) Earn on min. spend: 18,000 pts ($120) Lifestyle credits: two in 1^st year ($400) Card fee: deducted (-$599) Also offered but not included in Valuation: additional bonus of 30,000 pts ($200) if you spend $30,000 in the first 6 months Also offered but not included in Valuation: additional bonus of 40,000 pts ($267) if you spend $75,000 in the first 12 months Rewards: $853 Card fee: $599	6 passes worldwide DragonPass
NEW	TD^{^®} Aeroplan^{^®} Visa* Infinite Privilege* Card Min. income (card): $150k or $200kMinimum personal income of $150,000 or minimum household income of $200,000 Min. spend (bonus): $24k in 12 mos. (or $12k for lower bonus)	≈ $527Flytrippers Valuation Welcome bonus (after 1^st purchase): 20,000 pts (≈ $300) Welcome bonus (after $12k min. spend): 35,000 pts (≈ $525) Earn on 12k min. spend: 15,000 pts (≈ $225) Anniversary bonus (after another $12k in spend): 30,000 pts (≈ $450) Earn on another 12k in spend: 15,000 pts (≈ $225) Card fee (year 1): deducted (-$599) Card fee (year 2): deducted (-$599) Rewards: ≈ $1126 Annual fee: $599	Unlimited + 1 guest in North America AC Lounges* + 6 DragonPass
	BMO Ascend^{^™} World Elite^{^®} MasterCard^{^®} Min. income (card): $80k or $150kMinimum personal income of $80,000 or minimum household income of $150,000 Min. spend (bonus): $4.5k in 3 mos.	$330Flytrippers Valuation Welcome bonus: 45,000 pts ($300) Earn on min. spend: 4,500 pts ($30) Card fee: none the 1^st year (-$0) Also offered but not included in Valuation: monthly bonus of 3,750 pts ($25) if you spend $2500 in the month (months 4 to 15) Rewards: $330 Card fee: $0 $150	4 passes worldwide DragonPass
	Business Platinum Card^{^®} from American Express Card: no business required Min. spend (bonus): $15k in 3 mos.	≈ $1123Flytrippers Valuation Welcome bonus: 80,000 pts (≈ $1200) Earn on min. spend: 18,750 pts (≈ $281) Annual travel credit (year 1): can be cashed out ($200) Wireless credit (year 1): $10 per month ($120) Card fee (year 1): deducted (-$799) Renewal bonus: 40,000 pts (≈ $600) Annual travel credit (year 1): can be cashed out ($200) Wireless credit (year 2): $10 per month ($120) Card fee (year 2): deducted (-$799) Rewards: ≈ $1922 Card fee: $799	Unlimited + 1 guest worldwide Priority Pass + more
	American Express^{^®} Aeroplan^{^®*} Business Reserve Card Card: no business required Min. spend (bonus): $10.5k in 3 mos.	≈ $573Flytrippers Valuation Welcome bonus: 65,000 pts (≈ $975) Earn on min. spend: 13,125 pts (≈ $197) Card fee: deducted (-$599) Also offered but not included in Valuation: renewal bonus of 25,000 pts (≈ $375) with extra $3500 spend Rewards: ≈ $1172 Card fee: $599	Unlimited + 1 guest in North America Air Canada Lounges (on *A)
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Best credit cards in Canada for flight delay insurance

I don’t take this statement lightly, but paying for all your flights with a credit card that offers flight delay insurance is one of the most basic and most important travel tips. It’s such an easy way to get free hotels and meals whenever your flights are delayed or canceled!

You can read our detailed page about the best credit cards in Canada for flight delay insurance (coming soon).

Best credit cards with flight delay insurance
Scotiabank Gold American Express^{^®} Card Valuation (BONUS) $655Flytrippers Valuation Welcome bonus (after $2k in 3 mos.): 20,000 pts ($200) Welcome bonus (after another $5.5k in 1y): 20,000 pts ($200) Earn on min. spend (2k$): 10,000 pts ($100) Earn on min. spend ($5.5k): 27,500 pts ($275) Card fee: deducted (-$120) ( 8.7% back on $7.5k) Rewards: $775 Card fee: $120 Spend required:$7.5k in 12 mos. (or $2k) Best for: Very good travel insurance and earn rate SIMPLE 12k ends July 1^st
TD First Class Travel^{^®} Visa Infinite^* Card Valuation (BONUS) $1025Flytrippers Valuation Welcome bonus (after 1^st purchase): 20,000 pts ($100) Welcome bonus (after min. spend): 115,000 pts ($575) Earn on min. spend: 30,000 pts ($150) Annual travel credit (2024): On 1^st $500 hotel booking ($100) Annual travel credit (2025): On 1^st $500 hotel booking ($100) Card fee: rebated the 1^st year (-$0) ( 20.5% back on $5k) Rewards: $1025 Annual fee: $0 $139 Spend required:$5k in 6 mos. Best for: Among highest offers ever seen for simple points SIMPLE 60k/100k
record-high RBC Avion Visa Infinite Card Valuation (BONUS) ≈ $780Flytrippers Valuation Welcome bonus (after 1^st purchase): 35,000 pts (≈ $525) Welcome bonus (after min. spend): 20,000 pts (≈ $300) Earn on min. spend: 5,000 pts (≈ $75) Card fee: deducted (-$120) (≈ 15.6% back on $5k) Rewards: ≈ $900 Card fee: $120 Spend required:$5k in 6 mos. Best for: Lucrative rewards w/ unlim. value great if you're flexible LUCRATIVE 60k/100k ends June 11^th
best American Express Cobalt^{^®} Card Valuation (BONUS) ≈ $744Flytrippers Valuation Welcome bonus: 15,000 pts (≈ $225) Earn on min. spend: 45,000 pts (≈ $675) Card fee: deducted (-$156) (≈ 8.3% back on $9k) Rewards: ≈ $900 Card fee: $156 Spend required:$9k in 12 mos. Best for: Best overall card in Canada LUCRATIVE
American Express^{^®} Aeroplan^{^®} Card Valuation (BONUS) ≈ $420Flytrippers Valuation Welcome bonus: 30,000 pts (≈ $450) Earn on $3k min. spend: 3,000 pts (≈ $45) Card fee (year 1): deducted (-$120) Renewal bonus: 10,000 pts (≈ $150) Earn on $1k min. spend: 1,000 pts (≈ $15) Card fee (year 2): deducted (-$120) (≈ 14.0%* back on $3k) Rewards: ≈ $540 Card fee: $120 Spend required:$3k in 3 mos. + $1k Best for: Valuable Aeroplan pts without min. income and lower min. spend LUCRATIVE
American Express^{^®} Aeroplan^{^®} Reserve Card Valuation (BONUS) ≈ $442Flytrippers Valuation Welcome bonus: 60,000 pts (≈ $900) Earn on min. spend: 9,375 pts (≈ $141) Card fee: deducted (-$599) Also offered but not included in Valuation: renewal bonus of 25,000 pts (≈ $375) with extra $2500 spend (≈ 5.9%* back on $7.5k) Rewards: ≈ $1041 Card fee: $599 Spend required:$7.5k in 3 mos. Best for: For Air Canada lounge access & other AC benefits LUCRATIVE
TD^{^®} Aeroplan^{^®} Visa* Infinite Privilege* Card Valuation (BONUS) ≈ $527Flytrippers Valuation Welcome bonus (after 1^st purchase): 20,000 pts (≈ $300) Welcome bonus (after $12k min. spend): 35,000 pts (≈ $525) Earn on 12k min. spend: 15,000 pts (≈ $225) Anniversary bonus (after another $12k in spend): 30,000 pts (≈ $450) Earn on another 12k in spend: 15,000 pts (≈ $225) Card fee (year 1): deducted (-$599) Card fee (year 2): deducted (-$599) (≈ 2.2% back on $24k) Rewards: ≈ $1126 Annual fee: $599 Spend required:$24k in 12 mos. (or $12k) Best for: For Air Canada lounge access and 6 passes (other lounges) LUCRATIVE 150k/200k
Platinum Card^{^®} from American Express Valuation (BONUS) ≈ $652Flytrippers Valuation Welcome bonus: 70,000 pts (≈ $1050) Earn on min. spend: 10,000 pts (≈ $150) Annual travel credit (year 1): can be cashed out ($200) Dining credit (year 1): $200 credit at conservative valuation (≈ $100) Card fee (year 1): deducted (-$799) Renewal bonus: 30,000 pts (≈ $450) Annual travel credit (year 2): can be cashed out ($200) Dining credit (year 2): $200 credit at conservative valuation (≈ $100) Card fee (year 2): deducted (-$799) (≈ 6.5% back on $10k) Rewards: ≈ $1451 Card fee: $799 Spend required:$10k in 3 mos. Best for: Unlimited access to VIP airport lounges and lucrative rewards LUCRATIVE
Terms and conditions apply. Flytrippers editorial opinion only. Financial institutions are not responsible for maintaining the content on this site. Please click "See More" to see most up-to-date information.

Best credit cards with flight delay insurance		WELCOME BONUS ( VALUATION)	Best for
	Scotiabank Gold American Express^{^®} Card Min. income (card): $12kMinimum personal income of $12,000 Min. spend (bonus): $7.5k in 12 mos. (or $2k for lower bonus)	$655Flytrippers Valuation Welcome bonus (after $2k in 3 mos.): 20,000 pts ($200) Welcome bonus (after another $5.5k in 1y): 20,000 pts ($200) Earn on min. spend (2k$): 10,000 pts ($100) Earn on min. spend ($5.5k): 27,500 pts ($275) Card fee: deducted (-$120) Rewards: $775 Card fee: $120	Very good travel insurance and earn rate	ends July 1^st
	TD First Class Travel^{^®} Visa Infinite^* Card Min. income (card): $60k or $100kMinimum personal income of $60,000 or minimum household income of $100,000 Min. spend (bonus): $5k in 6 months	$1025Flytrippers Valuation Welcome bonus (after 1^st purchase): 20,000 pts ($100) Welcome bonus (after min. spend): 115,000 pts ($575) Earn on min. spend: 30,000 pts ($150) Annual travel credit (2024): On 1^st $500 hotel booking ($100) Annual travel credit (2025): On 1^st $500 hotel booking ($100) Card fee: rebated the 1^st year (-$0) Rewards: $1025 Annual fee: $0 $139	Among highest offers ever seen for simple points
record-high	RBC Avion Visa Infinite Card Min. income (card): $60k or $100kMinimum personal income of $60,000 or minimum household income of $100,000 Min. spend (bonus): $5k in 6 mos.	≈ $780Flytrippers Valuation Welcome bonus (after 1^st purchase): 35,000 pts (≈ $525) Welcome bonus (after min. spend): 20,000 pts (≈ $300) Earn on min. spend: 5,000 pts (≈ $75) Card fee: deducted (-$120) Rewards: ≈ $900 Card fee: $120	Lucrative rewards w/ unlim. value great if you're flexible	ends June 11^th apply now
best	American Express Cobalt^{^®} Card Min. income (card): $0No minimum income required. Min. spend (bonus): $750/month for 12 months	≈ $744Flytrippers Valuation Welcome bonus: 15,000 pts (≈ $225) Earn on min. spend: 45,000 pts (≈ $675) Card fee: deducted (-$156) Rewards: ≈ $900 Card fee: $156	Best overall card in Canada
	American Express^{^®} Aeroplan^{^®*} Card Min. income (card): $0No minimum income required. Min. spend (bonus): $3k in 3 mos. + $1k	≈ $420Flytrippers Valuation Welcome bonus: 30,000 pts (≈ $450) Earn on $3k min. spend: 3,000 pts (≈ $45) Card fee (year 1): deducted (-$120) Renewal bonus: 10,000 pts (≈ $150) Earn on $1k min. spend: 1,000 pts (≈ $15) Card fee (year 2): deducted (-$120) Rewards: ≈ $540 Card fee: $120	Valuable Aeroplan pts without min. income and lower min. spend
	American Express^{^®} Aeroplan^{^®*} Reserve Card Min. income (card): $0No minimum income required. Min. spend (bonus): $7.5k in 3 mos.	≈ $442Flytrippers Valuation Welcome bonus: 60,000 pts (≈ $900) Earn on min. spend: 9,375 pts (≈ $141) Card fee: deducted (-$599) Also offered but not included in Valuation: renewal bonus of 25,000 pts (≈ $375) with extra $2500 spend Rewards: ≈ $1041 Card fee: $599	For Air Canada lounge access & other AC benefits
	TD^{^®} Aeroplan^{^®} Visa* Infinite Privilege* Card Min. income (card): $150k or $200kMinimum personal income of $150,000 or minimum household income of $200,000 Min. spend (bonus): $24k in 12 mos. (or $12k for lower bonus)	≈ $527Flytrippers Valuation Welcome bonus (after 1^st purchase): 20,000 pts (≈ $300) Welcome bonus (after $12k min. spend): 35,000 pts (≈ $525) Earn on 12k min. spend: 15,000 pts (≈ $225) Anniversary bonus (after another $12k in spend): 30,000 pts (≈ $450) Earn on another 12k in spend: 15,000 pts (≈ $225) Card fee (year 1): deducted (-$599) Card fee (year 2): deducted (-$599) Rewards: ≈ $1126 Annual fee: $599	For Air Canada lounge access and 6 passes (other lounges)
	Platinum Card^{^®} from American Express Min. income (card): $0No minimum income required. Min. spend (bonus): $10k in 3 mos.	≈ $652Flytrippers Valuation Welcome bonus: 70,000 pts (≈ $1050) Earn on min. spend: 10,000 pts (≈ $150) Annual travel credit (year 1): can be cashed out ($200) Dining credit (year 1): $200 credit at conservative valuation (≈ $100) Card fee (year 1): deducted (-$799) Renewal bonus: 30,000 pts (≈ $450) Annual travel credit (year 2): can be cashed out ($200) Dining credit (year 2): $200 credit at conservative valuation (≈ $100) Card fee (year 2): deducted (-$799) Rewards: ≈ $1451 Card fee: $799	Unlimited access to VIP airport lounges and lucrative rewards
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Best credit cards in Canada for easy fixed-value travel credits

While rewards of the more lucrative type are the best to maximize the value you get, many prefer rewards of the more simple type for a lot more flexibility (and are okay with sacrificing value for that). The simplest are the easy fixed-value travel credits that can be applied to any travel expense.

You can read our detailed page about the best credit cards in Canada for easy fixed-value travel credits (coming soon).

Best credit cards for easy travel credits
Scotiabank Gold American Express^{^®} Card Valuation (BONUS) $655Flytrippers Valuation Welcome bonus (after $2k in 3 mos.): 20,000 pts ($200) Welcome bonus (after another $5.5k in 1y): 20,000 pts ($200) Earn on min. spend (2k$): 10,000 pts ($100) Earn on min. spend ($5.5k): 27,500 pts ($275) Card fee: deducted (-$120) ( 8.7% back on $7.5k) Rewards: $775 Card fee: $120 Spend required:$7.5k in 12 mos. (or $2k) Best for: Very good travel insurance and earn rate SIMPLE 12k ends July 1^st
American Express Cobalt^{^®} Card Valuation (BONUS) $444^∗Flytrippers Valuation (as an easy credit; ≈ $744 actual Valuation) Welcome bonus: 15,000 pts ($150) Earn on min. spend: 45,000 pts ($450) Card fee: deducted (-$156) ( 4.9%* back on $9k) Rewards: $600 Card fee: $156 Spend required:$9k in 12 mos. Best for: Big spenders or beginners LUCRATIVE
NEW RBC Avion Visa Infinite Card Valuation (BONUS) $230^∗Flytrippers Valuation (as easy credit; ≈ $780 actual Valuation) Welcome bonus (after 1^st purchase): 35,000 pts ($350) Welcome bonus (after min. spend): 20,000 pts ($200) Earn on min. spend: 5,000 pts ($50) Card fee: deducted (-$120) ( back on $0) Rewards: $350 Card fee: $120 Spend required:$0 no min. spend Best for:* Non-Amex with flexible rewards LUCRATIVE 60k/100k ends June 11^th
TD Platinum Travel Visa^* Card Valuation (BONUS) $273Flytrippers Valuation Welcome bonus (after 1^st purchase): 15,000 pts ($75) Welcome bonus (after min. spend): 35,000 pts ($175) Earn on min. spend: 4,500 pts ($23) Card fee: rebated the 1^st year (-$0) ( 27.3% back on $1k) Rewards: $273 Annual fee: $0 $89 Spend required:$1k in 3 mos. Best for: One of the best offers with no min. income required SIMPLE
BMO eclipse rise Visa* Card Valuation (BONUS) $192Flytrippers Valuation Welcome bonus: 20,000 pts ($133) Payments bonus: 2,500 pts ($17) Uses bonus: 2,500 pts ($17) Earn on min. spend: 3,750 pts ($25) Card fee: no annual fee (-$0) Additional monthly spend bonus also offered ( 12.8% back on $1.5k) Rewards: $192 Card fee: $0 Spend required:$1.5k in 3 mos. Best for: One of the highest bonuses (no-fee cards) SIMPLE
American Express^{^®} Gold Rewards Card Valuation (BONUS) $570^∗Flytrippers Valuation (as a fixed-value credit; ≈ $930 actual Valuation) Welcome bonus: 60,000 pts ($600) Earn on min. spend: 12,000 pts ($120) Annual credit: for travel ($100) Card fee: deducted (-$250) Also offered but not included in Valuation: NEXUS credit ($50) ( 4.8%* back on $12k) Rewards: $820 Card fee: $250 Spend required:$12k in 12 mos. Best for: Those who already have the Cobalt Card LUCRATIVE
Platinum Card^{^®} from American Express Valuation (BONUS) $102^∗Flytrippers Valuation (as simple credit; ≈ $652 actual Valuation) Welcome bonus: 70,000 pts ($700) Earn on min. spend: 10,000 pts ($100) Annual travel credit (year 1): can be cashed out ($200) Dining credit (year 1): $200 credit at conservative valuation (≈ $100) Card fee (year 1): deducted (-$799) Renewal bonus: 30,000 pts ($300) Annual travel credit (year 2): can be cashed out ($200) Dining credit (year 2): $200 credit at conservative valuation (≈ $100) Card fee (year 2): deducted (-$799) ( 1.0%* back on $10k) Rewards: $901 Card fee: $799 Spend required:$10k in 3 mos. Best for: Unlimited airport lounge access higher spend req. LUCRATIVE
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Best credit cards for easy travel credits		WELCOME BONUS ( VALUATION)	Best for
	Scotiabank Gold American Express^{^®} Card Min. income (card): $12kMinimum personal income of $12,000 Min. spend (bonus): $7.5k in 12 mos. (or $2k for lower bonus)	$655Flytrippers Valuation Welcome bonus (after $2k in 3 mos.): 20,000 pts ($200) Welcome bonus (after another $5.5k in 1y): 20,000 pts ($200) Earn on min. spend (2k$): 10,000 pts ($100) Earn on min. spend ($5.5k): 27,500 pts ($275) Card fee: deducted (-$120) Rewards: $775 Card fee: $120	Very good travel insurance and earn rate	ends July 1^st
	American Express Cobalt^{^®} Card Min. income (card): $0No minimum income required. Min. spend (bonus): $750/month for 12 months	$444^∗Flytrippers Valuation (*as an easy credit; ≈ $744 actual Valuation) Welcome bonus: 15,000 pts ($150) Earn on min. spend: 45,000 pts ($450) Card fee: deducted (-$156) Rewards: $600 Card fee: $156	Big spenders or beginners
NEW	RBC Avion Visa Infinite Card Min. income (card): $60k or $100kMinimum personal income of $60,000 or minimum household income of $100,000 Min. spend (bonus): no min. spend	$230^∗Flytrippers Valuation (*as easy credit; ≈ $780 actual Valuation) Welcome bonus (after 1^st purchase): 35,000 pts ($350) Welcome bonus (after min. spend): 20,000 pts ($200) Earn on min. spend: 5,000 pts ($50) Card fee: deducted (-$120) Rewards: $350 Card fee: $120	Non-Amex with flexible rewards	ends June 11^th apply now
	TD Platinum Travel Visa^* Card Min. income (card): $0No minimum income required. Min. spend (bonus): $1k in 3 months	$273Flytrippers Valuation Welcome bonus (after 1^st purchase): 15,000 pts ($75) Welcome bonus (after min. spend): 35,000 pts ($175) Earn on min. spend: 4,500 pts ($23) Card fee: rebated the 1^st year (-$0) Rewards: $273 Annual fee: $0 $89	One of the best offers with no min. income required
	BMO eclipse rise Visa* Card Min. income (card): $0No minimum income required. Min. spend (bonus): $1.5k in 3 mos.	$192Flytrippers Valuation Welcome bonus: 20,000 pts ($133) Payments bonus: 2,500 pts ($17) Uses bonus: 2,500 pts ($17) Earn on min. spend: 3,750 pts ($25) Card fee: no annual fee (-$0) Additional monthly spend bonus also offered Rewards: $192 Card fee: $0	One of the highest bonuses (no-fee cards)
	American Express^{^®} Gold Rewards Card Min. income (card): $0No minimum income required. Min. spend (bonus): $1k/month for 12 months	$570^∗Flytrippers Valuation (*as a fixed-value credit; ≈ $930 actual Valuation) Welcome bonus: 60,000 pts ($600) Earn on min. spend: 12,000 pts ($120) Annual credit: for travel ($100) Card fee: deducted (-$250) Also offered but not included in Valuation: NEXUS credit ($50) Rewards: $820 Card fee: $250	Those who already have the Cobalt Card
	Platinum Card^{^®} from American Express Min. income (card): $0No minimum income required. Min. spend (bonus): $10k in 3 mos.	$102^∗Flytrippers Valuation (*as simple credit; ≈ $652 actual Valuation) Welcome bonus: 70,000 pts ($700) Earn on min. spend: 10,000 pts ($100) Annual travel credit (year 1): can be cashed out ($200) Dining credit (year 1): $200 credit at conservative valuation (≈ $100) Card fee (year 1): deducted (-$799) Renewal bonus: 30,000 pts ($300) Annual travel credit (year 2): can be cashed out ($200) Dining credit (year 2): $200 credit at conservative valuation (≈ $100) Card fee (year 2): deducted (-$799) Rewards: $901 Card fee: $799	Unlimited airport lounge access higher spend req.
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Best credit cards in Canada for Marriott Bonvoy points

Marriott has by far the best hotel rewards program for Canadians, and it is so easy to get many many free hotel nights. This is especially great for those who are like us and are able to find cheap flights anyways (and want to maximize the value they get from rewards).

You can read our detailed page about the best credit cards in Canada for Marriott Bonvoy points (coming soon).

Best credit cards for Marriott points
Marriott Bonvoy^{^™} American Express^{^®} Card Valuation (BONUS) ≈ $357Flytrippers Valuation Welcome bonus: 50,000 pts (≈ $450) Earn on min. spend: 3,000 pts (≈ $27) Card fee: deducted (-$120) (≈ 23.8% back on $1.5k) Rewards: ≈ $477 Card fee: $120 Spend required:$1.5k in 3 mos. Best for: 53,000 pts after welcome bonus LUCRATIVE
Marriott Bonvoy^{^™} Business American Express^{^®} Card Valuation (BONUS) ≈ $480Flytrippers Valuation Welcome bonus : 60,000 pts (≈ $540) Earn on min. spend: 10,000 pts (≈ $90) Card fee: deducted (-$150) (≈ 9.6% back on $5k) Rewards: ≈ $630 Card fee: $150 Spend required:$5k in 3 mos. Best for: 70,000 pts after welcome bonus LUCRATIVE
American Express^{^®} Gold Rewards Card Valuation (BONUS) ≈ $628^∗Flytrippers Valuation (as Marriott pts; ≈ $930 actual Valuation) Welcome bonus: 72,000 pts (≈ $648) Earn on min. spend: 14,400 pts (≈ $130) Annual credit: can be cashed out ($100) Card fee: deducted (-$250) Also offered but not included in Valuation: NEXUS credit ($50) (≈ 5.2%* back on $12k) Rewards: ≈ $878 Card fee: $250 Spend required:$12k in 12 mos. Best for: 86,400 pts after welcome bonus LUCRATIVE
American Express Cobalt^{^®} Card Valuation (BONUS) ≈ $492^∗Flytrippers Valuation (as Marriott pts; ≈ $744 actual Valuation) Welcome bonus: 18,000 pts (≈ $162) Earn on min. spend: 54,000 pts (≈ $486) Card fee: deducted (-$156) (≈ 5.5%* back on $9k) Rewards: ≈ $648 Card fee: $156 Spend required:$9k in 12 mos. Best for: 72,000 pts after welcome bonus LUCRATIVE
Platinum Card^{^®} from American Express Valuation (BONUS) ≈ –$8^∗Flytrippers Valuation (as Marriott pts; ≈ $652 actual Valuation) Welcome bonus: 84,000 pts (≈ $756) Earn on min. spend: 12,000 pts (≈ $90) Annual travel credit (year 1): can be cashed out ($200) Dining credit (year 1): $200 credit at conservative valuation (≈ $100) Card fee (year 1): deducted (-$799) Renewal bonus: 36,000 pts (≈ $324) Annual travel credit (year 2): can be cashed out ($200) Dining credit (year 2): $200 credit at conservative valuation (≈ $100) Card fee (year 2): deducted (-$799) (≈ -0.1%* back on $10k) Rewards: ≈ $791 Card fee: $799 Spend required:$10k in 3 mos. Best for: 132,000 pts after welcome bonus LUCRATIVE
American Express^{^®} Business Gold Rewards Card Valuation (BONUS) ≈ $514Flytrippers Valuation Welcome bonus: 40,000 pts (≈ $600) Earn on min. spend: 7,500 pts (≈ $113) Card fee: deducted (-$199) Also offered but not included in Valuation: quarterly spending bonus (≈ 6.9% back on $7.5k) Rewards: ≈ $713 Card fee: $199 Spend required:$7.5k in 3 mos. Best for: 57,000 pts after welcome bonus LUCRATIVE
Business Platinum Card^{^®} from American Express Valuation (BONUS) ≈ $840Flytrippers Valuation (as Marriott pts; ≈ $1123 actual Valuation) Welcome bonus: 96,000 pts (≈ $1037) Earn on min. spend: 22,500 pts (≈ $243) Annual travel credit (year 1): can be cashed out ($200) Wireless credit (year 1): $10 per month ($120) Card fee (year 1): deducted (-$799) Renewal bonus: 48,000 pts (≈ $518) Annual travel credit (year 1): can be cashed out ($200) Wireless credit (year 2): $10 per month ($120) Card fee (year 2): deducted (-$799) (≈ 5.6%* back on $15k) Rewards: ≈ $1639 Card fee: $799 Spend required:$15k in 3 mos. Best for: 166,500 pts after welcome bonus LUCRATIVE
American Express^{^®} Green Card Valuation (BONUS) ≈ $119^∗Flytrippers Valuation (as Marriott pts; ≈ $165 actual Valuation) Welcome bonus: 12,000 pts (≈ $108) Earn on min. spend: 1,200 pts (≈ $11) Card fee: no annual fee (-$0) (≈ 11.9%* back on $1k) Rewards: ≈ $119 Card fee: $0 Spend required:$1k in 3 mos. Best for: 13,200 pts after welcome bonus LUCRATIVE
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Best credit cards for Marriott points		WELCOME BONUS ( VALUATION)	Marriott points
	Marriott Bonvoy^{^™} American Express^{^®} Card Min. income (card): $0No minimum income required. Min. spend (bonus): $1.5k in 3 mos.	≈ $357Flytrippers Valuation Welcome bonus: 50,000 pts (≈ $450) Earn on min. spend: 3,000 pts (≈ $27) Card fee: deducted (-$120) Rewards: ≈ $477 Card fee: $120	53,000 pts after welcome bonus
	Marriott Bonvoy^{^™} Business American Express^{^®} Card Card: no business required Min. spend (bonus): $5k in 3 mos.	≈ $480Flytrippers Valuation Welcome bonus : 60,000 pts (≈ $540) Earn on min. spend: 10,000 pts (≈ $90) Card fee: deducted (-$150) Rewards: ≈ $630 Card fee: $150	70,000 pts after welcome bonus
	American Express^{^®} Gold Rewards Card Min. income (card): $0No minimum income required. Min. spend (bonus): $1k/month for 12 months	≈ $628^∗Flytrippers Valuation (*as Marriott pts; ≈ $930 actual Valuation) Welcome bonus: 72,000 pts (≈ $648) Earn on min. spend: 14,400 pts (≈ $130) Annual credit: can be cashed out ($100) Card fee: deducted (-$250) Also offered but not included in Valuation: NEXUS credit ($50) Rewards: ≈ $878 Card fee: $250	86,400 pts after welcome bonus
	American Express Cobalt^{^®} Card Min. income (card): $0No minimum income required. Min. spend (bonus): $750/month for 12 months	≈ $492^∗Flytrippers Valuation (*as Marriott pts; ≈ $744 actual Valuation) Welcome bonus: 18,000 pts (≈ $162) Earn on min. spend: 54,000 pts (≈ $486) Card fee: deducted (-$156) Rewards: ≈ $648 Card fee: $156	72,000 pts after welcome bonus
	Platinum Card^{^®} from American Express Min. income (card): $0No minimum income required. Min. spend (bonus): $10k in 3 mos.	≈ –$8^∗Flytrippers Valuation (*as Marriott pts; ≈ $652 actual Valuation) Welcome bonus: 84,000 pts (≈ $756) Earn on min. spend: 12,000 pts (≈ $90) Annual travel credit (year 1): can be cashed out ($200) Dining credit (year 1): $200 credit at conservative valuation (≈ $100) Card fee (year 1): deducted (-$799) Renewal bonus: 36,000 pts (≈ $324) Annual travel credit (year 2): can be cashed out ($200) Dining credit (year 2): $200 credit at conservative valuation (≈ $100) Card fee (year 2): deducted (-$799) Rewards: ≈ $791 Card fee: $799	132,000 pts after welcome bonus
	American Express^{^®} Business Gold Rewards Card Card: no business required Min. spend (bonus): $7.5k in 3 mos.	≈ $514Flytrippers Valuation Welcome bonus: 40,000 pts (≈ $600) Earn on min. spend: 7,500 pts (≈ $113) Card fee: deducted (-$199) Also offered but not included in Valuation: quarterly spending bonus Rewards: ≈ $713 Card fee: $199	57,000 pts after welcome bonus
	Business Platinum Card^{^®} from American Express Card: no business required Min. spend (bonus): $15k in 3 mos.	≈ $840Flytrippers Valuation (*as Marriott pts; ≈ $1123 actual Valuation) Welcome bonus: 96,000 pts (≈ $1037) Earn on min. spend: 22,500 pts (≈ $243) Annual travel credit (year 1): can be cashed out ($200) Wireless credit (year 1): $10 per month ($120) Card fee (year 1): deducted (-$799) Renewal bonus: 48,000 pts (≈ $518) Annual travel credit (year 1): can be cashed out ($200) Wireless credit (year 2): $10 per month ($120) Card fee (year 2): deducted (-$799) Rewards: ≈ $1639 Card fee: $799	166,500 pts after welcome bonus
	American Express^{^®} Green Card Min. income (card): $0No minimum income required. Min. spend (bonus): $1k in 3 mos.	≈ $119^∗Flytrippers Valuation (*as Marriott pts; ≈ $165 actual Valuation) Welcome bonus: 12,000 pts (≈ $108) Earn on min. spend: 1,200 pts (≈ $11) Card fee: no annual fee (-$0) Rewards: ≈ $119 Card fee: $0	13,200 pts after welcome bonus
Terms and conditions apply. Flytrippers editorial opinion only. Financial institutions are not responsible for maintaining the content on this site. Please click "See More" to see most up-to-date information.

Best credit cards in Canada for Aeroplan points

Aeroplan points are the best airline rewards in Canada.

You can read our detailed page about the best credit cards in Canada for Aeroplan points.

Best credit cards for Aeroplan points
American Express^{^®} Aeroplan^{^®} Reserve Card Valuation (BONUS) ≈ $442Flytrippers Valuation Welcome bonus: 60,000 pts (≈ $900) Earn on min. spend: 9,375 pts (≈ $141) Card fee: deducted (-$599) Also offered but not included in Valuation: renewal bonus of 25,000 pts (≈ $375) with extra $2500 spend (≈ 5.9%* back on $7.5k) Rewards: ≈ $1041 Card fee: $599 Spend required:$7.5k in 3 mos. Best for: 69,375 pts + unlimited AC lounges & other AC benefits LUCRATIVE
American Express Cobalt^{^®} Card Valuation (BONUS) ≈ $744Flytrippers Valuation Welcome bonus: 15,000 pts (≈ $225) Earn on min. spend: 45,000 pts (≈ $675) Card fee: deducted (-$156) (≈ 8.3% back on $9k) Rewards: ≈ $900 Card fee: $156 Spend required:$9k in 12 mos. Best for: 60,000 pts + 5X the points best card in Canada LUCRATIVE
TD^{^®} Aeroplan^{^®} Visa Infinite* Card Valuation (BONUS) ≈ $641Flytrippers Valuation Welcome bonus (after 1^st purchase): 10,000 pts (≈ $150) Welcome bonus (after $7.5k min. spend): 15,000 pts (≈ $225) Earn on $7.5k min. spend: 7,500 pts (≈ $113) Anniversary bonus (after another $4.5k in spend): 15,000 pts (≈ $225) Earn on another $4.5k in spend: 4,500 pts (≈ $67) Card fee (year 1): rebated the 1^st year (-$0) Card fee (year 2): deducted (-$139) (≈ 5.3% back on $12k) Rewards: ≈ $641 Annual fee: $0 $139 Spend required:$12k in 12 mos. (incl. $7.5k in 180 days)^{^†} Best for: 40k pts with bonus (52,000 pts total) 40k + 12k on min. spend LUCRATIVE 60k/100k
American Express^{^®} Aeroplan^{^®} Card Valuation (BONUS) ≈ $420Flytrippers Valuation Welcome bonus: 30,000 pts (≈ $450) Earn on $3k min. spend: 3,000 pts (≈ $45) Card fee (year 1): deducted (-$120) Renewal bonus: 10,000 pts (≈ $150) Earn on $1k min. spend: 1,000 pts (≈ $15) Card fee (year 2): deducted (-$120) (≈ 14.0%* back on $3k) Rewards: ≈ $540 Card fee: $120 Spend required:$3k in 3 mos. + $1k Best for: 44,000 pts + a free bag on Air Canada LUCRATIVE
Platinum Card^{^®} from American Express Valuation (BONUS) ≈ $652Flytrippers Valuation Welcome bonus: 70,000 pts (≈ $1050) Earn on min. spend: 10,000 pts (≈ $150) Annual travel credit (year 1): can be cashed out ($200) Dining credit (year 1): $200 credit at conservative valuation (≈ $100) Card fee (year 1): deducted (-$799) Renewal bonus: 30,000 pts (≈ $450) Annual travel credit (year 2): can be cashed out ($200) Dining credit (year 2): $200 credit at conservative valuation (≈ $100) Card fee (year 2): deducted (-$799) (≈ 6.5% back on $10k) Rewards: ≈ $1451 Card fee: $799 Spend required:$10k in 3 mos. Best for: 110,000 pts + unlimited PP lounges and $200 travel credit LUCRATIVE
American Express^{^®} Gold Rewards Card Valuation (BONUS) ≈ $930Flytrippers Valuation Welcome bonus: 60,000 pts (≈ $900) Earn on min. spend: 12,000 pts (≈ $180) Annual credit: can be cashed out ($100) Card fee: deducted (-$250) Also offered but not included in Valuation: NEXUS credit ($50) (≈ 7.8% back on $12k) Rewards: ≈ $1180 Card fee: $250 Spend required:$12k in 12 mos. Best for: 72,000 pts + 4 lounges and $100 travel credit LUCRATIVE
NEW TD^{^®} Aeroplan^{^®} Visa* Infinite Privilege* Card Valuation (BONUS) ≈ $527Flytrippers Valuation Welcome bonus (after 1^st purchase): 20,000 pts (≈ $300) Welcome bonus (after $12k min. spend): 35,000 pts (≈ $525) Earn on 12k min. spend: 15,000 pts (≈ $225) Anniversary bonus (after another $12k in spend): 30,000 pts (≈ $450) Earn on another 12k in spend: 15,000 pts (≈ $225) Card fee (year 1): deducted (-$599) Card fee (year 2): deducted (-$599) (≈ 2.2% back on $24k) Rewards: ≈ $1126 Annual fee: $599 Spend required:$24k in 12 mos. (or $12k) Best for: 85k pts with bonus (115,000 pts total) 85k + 30k on min. spend LUCRATIVE 150k/200k
TD^{^®} Aeroplan^{^®} Visa* Platinum Card Valuation (BONUS) ≈ $315Flytrippers Valuation Welcome bonus (after 1^st purchase): 10,000 pts (≈ $150) Welcome bonus (after min. spend): 10,000 pts (≈ $150) Earn on min. spend: 1,000 pts (≈ $15) Card fee: rebated the 1^st year (-$0) (≈ 31.5% back on $1k) Rewards: ≈ $315 Annual fee: $0 $89 Spend required:$1k in 3 mos. Best for: 20k pts with bonus (21,000 pts total) 20k + 1k on min. spend LUCRATIVE
American Express^{^®} Business Gold Rewards Card Valuation (BONUS) ≈ $514Flytrippers Valuation Welcome bonus: 40,000 pts (≈ $600) Earn on min. spend: 7,500 pts (≈ $113) Card fee: deducted (-$199) Also offered but not included in Valuation: quarterly spending bonus (≈ 6.9% back on $7.5k) Rewards: ≈ $713 Card fee: $199 Spend required:$7.5k in 3 mos. Best for: 47,500 pts + simpler min. spend structure LUCRATIVE
American Express^{^®} Green Card Valuation (BONUS) ≈ $165Flytrippers Valuation Welcome bonus: 10,000 pts (≈ $150) Earn on min. spend: 1,000 pts (≈ $15) Card fee: no annual fee (-$0) (≈ 16.5% back on $1k) Rewards: ≈ $165 Card fee: $0 Spend required:$1k in 3 mos. Best for: 11,000 pts + no fees but way less value LUCRATIVE
Terms and conditions apply. Flytrippers editorial opinion only. Financial institutions are not responsible for maintaining the content on this site. Please click "See More" to see most up-to-date information.

Best credit cards for Aeroplan points		WELCOME BONUS ( VALUATION)	Aeroplan points
	American Express^{^®} Aeroplan^{^®*} Reserve Card Min. income (card): $0No minimum income required. Min. spend (bonus): $7.5k in 3 mos.	≈ $442Flytrippers Valuation Welcome bonus: 60,000 pts (≈ $900) Earn on min. spend: 9,375 pts (≈ $141) Card fee: deducted (-$599) Also offered but not included in Valuation: renewal bonus of 25,000 pts (≈ $375) with extra $2500 spend Rewards: ≈ $1041 Card fee: $599	69,375 pts + unlimited AC lounges & other AC benefits
	American Express Cobalt^{^®} Card Min. income (card): $0No minimum income required. Min. spend (bonus): $750/month for 12 months	≈ $744Flytrippers Valuation Welcome bonus: 15,000 pts (≈ $225) Earn on min. spend: 45,000 pts (≈ $675) Card fee: deducted (-$156) Rewards: ≈ $900 Card fee: $156	60,000 pts + 5X the points best card in Canada
	TD^{^®} Aeroplan^{^®} Visa Infinite* Card Min. income (card): $60k or $100kMinimum personal income of $60,000 or minimum household income of $100,000 Min. spend (bonus): $12k in 12 mos. (incl. $7.5k in 180 days)^{^†}	≈ $641Flytrippers Valuation Welcome bonus (after 1^st purchase): 10,000 pts (≈ $150) Welcome bonus (after $7.5k min. spend): 15,000 pts (≈ $225) Earn on $7.5k min. spend: 7,500 pts (≈ $113) Anniversary bonus (after another $4.5k in spend): 15,000 pts (≈ $225) Earn on another $4.5k in spend: 4,500 pts (≈ $67) Card fee (year 1): rebated the 1^st year (-$0) Card fee (year 2): deducted (-$139) Rewards: ≈ $641 Annual fee: $0 $139	40k pts with bonus (52,000 pts total) 40k + 12k on min. spend
	American Express^{^®} Aeroplan^{^®*} Card Min. income (card): $0No minimum income required. Min. spend (bonus): $3k in 3 mos. + $1k	≈ $420Flytrippers Valuation Welcome bonus: 30,000 pts (≈ $450) Earn on $3k min. spend: 3,000 pts (≈ $45) Card fee (year 1): deducted (-$120) Renewal bonus: 10,000 pts (≈ $150) Earn on $1k min. spend: 1,000 pts (≈ $15) Card fee (year 2): deducted (-$120) Rewards: ≈ $540 Card fee: $120	44,000 pts + a free bag on Air Canada
	Platinum Card^{^®} from American Express Min. income (card): $0No minimum income required. Min. spend (bonus): $10k in 3 mos.	≈ $652Flytrippers Valuation Welcome bonus: 70,000 pts (≈ $1050) Earn on min. spend: 10,000 pts (≈ $150) Annual travel credit (year 1): can be cashed out ($200) Dining credit (year 1): $200 credit at conservative valuation (≈ $100) Card fee (year 1): deducted (-$799) Renewal bonus: 30,000 pts (≈ $450) Annual travel credit (year 2): can be cashed out ($200) Dining credit (year 2): $200 credit at conservative valuation (≈ $100) Card fee (year 2): deducted (-$799) Rewards: ≈ $1451 Card fee: $799	110,000 pts + unlimited PP lounges and $200 travel credit
	American Express^{^®} Gold Rewards Card Min. income (card): $0No minimum income required. Min. spend (bonus): $1k/month for 12 months	≈ $930Flytrippers Valuation Welcome bonus: 60,000 pts (≈ $900) Earn on min. spend: 12,000 pts (≈ $180) Annual credit: can be cashed out ($100) Card fee: deducted (-$250) Also offered but not included in Valuation: NEXUS credit ($50) Rewards: ≈ $1180 Card fee: $250	72,000 pts + 4 lounges and $100 travel credit
NEW	TD^{^®} Aeroplan^{^®} Visa* Infinite Privilege* Card Min. income (card): $150k or $200kMinimum personal income of $150,000 or minimum household income of $200,000 Min. spend (bonus): $24k in 12 mos. (or $12k for lower bonus)	≈ $527Flytrippers Valuation Welcome bonus (after 1^st purchase): 20,000 pts (≈ $300) Welcome bonus (after $12k min. spend): 35,000 pts (≈ $525) Earn on 12k min. spend: 15,000 pts (≈ $225) Anniversary bonus (after another $12k in spend): 30,000 pts (≈ $450) Earn on another 12k in spend: 15,000 pts (≈ $225) Card fee (year 1): deducted (-$599) Card fee (year 2): deducted (-$599) Rewards: ≈ $1126 Annual fee: $599	85k pts with bonus (115,000 pts total) 85k + 30k on min. spend
	TD^{^®} Aeroplan^{^®} Visa* Platinum Card Min. income (card): $0No minimum income required. Min. spend (bonus): $1k in 3 months	≈ $315Flytrippers Valuation Welcome bonus (after 1^st purchase): 10,000 pts (≈ $150) Welcome bonus (after min. spend): 10,000 pts (≈ $150) Earn on min. spend: 1,000 pts (≈ $15) Card fee: rebated the 1^st year (-$0) Rewards: ≈ $315 Annual fee: $0 $89	20k pts with bonus (21,000 pts total) 20k + 1k on min. spend
	American Express^{^®} Business Gold Rewards Card Card: no business required Min. spend (bonus): $7.5k in 3 mos.	≈ $514Flytrippers Valuation Welcome bonus: 40,000 pts (≈ $600) Earn on min. spend: 7,500 pts (≈ $113) Card fee: deducted (-$199) Also offered but not included in Valuation: quarterly spending bonus Rewards: ≈ $713 Card fee: $199	47,500 pts + simpler min. spend structure
	American Express^{^®} Green Card Min. income (card): $0No minimum income required. Min. spend (bonus): $1k in 3 mos.	≈ $165Flytrippers Valuation Welcome bonus: 10,000 pts (≈ $150) Earn on min. spend: 1,000 pts (≈ $15) Card fee: no annual fee (-$0) Rewards: ≈ $165 Card fee: $0	11,000 pts + no fees but way less value
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Best credit cards in Canada for Avios points

Avios points are valuable airline rewards for Canadians.

You can read our detailed page about the best credit cards in Canada for Avios points (coming soon).

Best credit cards for Avios points
American Express^{^®} Gold Rewards Card Valuation (BONUS) ≈ $930Flytrippers Valuation Welcome bonus: 60,000 pts (≈ $900) Earn on min. spend: 12,000 pts (≈ $180) Annual credit: can be cashed out ($100) Card fee: deducted (-$250) Also offered but not included in Valuation: NEXUS credit ($50) (≈ 7.8% back on $12k) Rewards: ≈ $1180 Card fee: $250 Spend required:$12k in 12 mos. Best for: 72,000 pts + 4 lounge passes and $100 travel credit LUCRATIVE
American Express^{^®} Business Gold Rewards Card Valuation (BONUS) ≈ $514Flytrippers Valuation Welcome bonus: 40,000 pts (≈ $600) Earn on min. spend: 7,500 pts (≈ $113) Card fee: deducted (-$199) Also offered but not included in Valuation: quarterly spending bonus (≈ 6.9% back on $7.5k) Rewards: ≈ $713 Card fee: $199 Spend required:$7.5k in 3 mos. Best for: 47,500 pts + quicker unlocking of pts LUCRATIVE
NEW RBC Avion Visa Infinite Card Valuation (BONUS) ≈ $780Flytrippers Valuation Welcome bonus (after 1^st purchase): 35,000 pts (≈ $525) Welcome bonus (after min. spend): 20,000 pts (≈ $300) Earn on min. spend: 5,000 pts (≈ $75) Card fee: deducted (-$120) (≈ 15.6% back on $5k) Rewards: ≈ $900 Card fee: $120 Spend required:$5k in 6 mos. Best for: 60,000 pts + wider acceptance than Amex LUCRATIVE 60k/100k ends June 11^th
RBC Avion Visa Infinite Privilege Card Valuation (BONUS) ≈ $520Flytrippers Valuation Welcome bonus (upon approval): 35,000 pts (≈ $525) Welcome bonus (after min. spend): 20,000 pts (≈ $300) Earn on min. spend: 6,250 pts (≈ $94) Card fee: deducted (-$399) Also offered but not included in Valuation: renewal bonus of 15,000 pts (≈ $225) (≈ 10.4% back on $5k) Rewards: ≈ $919 Card fee: $399 Spend required:$5k in 6 mos. Best for: 60,000 pts + 6 passes for airport lounges LUCRATIVE 200k/200k limited time
American Express Cobalt^{^®} Card Valuation (BONUS) ≈ $744Flytrippers Valuation Welcome bonus: 15,000 pts (≈ $225) Earn on min. spend: 45,000 pts (≈ $675) Card fee: deducted (-$156) (≈ 8.3% back on $9k) Rewards: ≈ $900 Card fee: $156 Spend required:$9k in 12 mos. Best for: 60,000 pts + 5X the points best card in Canada LUCRATIVE
Platinum Card^{^®} from American Express Valuation (BONUS) ≈ $652Flytrippers Valuation Welcome bonus: 70,000 pts (≈ $1050) Earn on min. spend: 10,000 pts (≈ $150) Annual travel credit (year 1): can be cashed out ($200) Dining credit (year 1): $200 credit at conservative valuation (≈ $100) Card fee (year 1): deducted (-$799) Renewal bonus: 30,000 pts (≈ $450) Annual travel credit (year 2): can be cashed out ($200) Dining credit (year 2): $200 credit at conservative valuation (≈ $100) Card fee (year 2): deducted (-$799) (≈ 6.5% back on $10k) Rewards: ≈ $1451 Card fee: $799 Spend required:$10k in 3 mos. Best for: 110,000 pts + unlimited lounges and $200 travel credit LUCRATIVE
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Best credit cards for Avios points		WELCOME BONUS ( VALUATION)	Avios points
	American Express^{^®} Gold Rewards Card Min. income (card): $0No minimum income required. Min. spend (bonus): $1k/month for 12 months	≈ $930Flytrippers Valuation Welcome bonus: 60,000 pts (≈ $900) Earn on min. spend: 12,000 pts (≈ $180) Annual credit: can be cashed out ($100) Card fee: deducted (-$250) Also offered but not included in Valuation: NEXUS credit ($50) Rewards: ≈ $1180 Card fee: $250	72,000 pts + 4 lounge passes and $100 travel credit
	American Express^{^®} Business Gold Rewards Card Card: no business required Min. spend (bonus): $7.5k in 3 mos.	≈ $514Flytrippers Valuation Welcome bonus: 40,000 pts (≈ $600) Earn on min. spend: 7,500 pts (≈ $113) Card fee: deducted (-$199) Also offered but not included in Valuation: quarterly spending bonus Rewards: ≈ $713 Card fee: $199	47,500 pts + quicker unlocking of pts
NEW	RBC Avion Visa Infinite Card Min. income (card): $60k or $100kMinimum personal income of $60,000 or minimum household income of $100,000 Min. spend (bonus): $5k in 6 mos.	≈ $780Flytrippers Valuation Welcome bonus (after 1^st purchase): 35,000 pts (≈ $525) Welcome bonus (after min. spend): 20,000 pts (≈ $300) Earn on min. spend: 5,000 pts (≈ $75) Card fee: deducted (-$120) Rewards: ≈ $900 Card fee: $120	60,000 pts + wider acceptance than Amex	ends June 11^th apply now
	RBC Avion Visa Infinite Privilege Card Min. income (card): $200k or $200kMinimum personal income of $200,000 or minimum household income of $200,000 Min. spend (bonus): $5k in 6 mos.	≈ $520Flytrippers Valuation Welcome bonus (upon approval): 35,000 pts (≈ $525) Welcome bonus (after min. spend): 20,000 pts (≈ $300) Earn on min. spend: 6,250 pts (≈ $94) Card fee: deducted (-$399) Also offered but not included in Valuation: renewal bonus of 15,000 pts (≈ $225) Rewards: ≈ $919 Card fee: $399	60,000 pts + 6 passes for airport lounges	limited time
	American Express Cobalt^{^®} Card Min. income (card): $0No minimum income required. Min. spend (bonus): $750/month for 12 months	≈ $744Flytrippers Valuation Welcome bonus: 15,000 pts (≈ $225) Earn on min. spend: 45,000 pts (≈ $675) Card fee: deducted (-$156) Rewards: ≈ $900 Card fee: $156	60,000 pts + 5X the points best card in Canada
	Platinum Card^{^®} from American Express Min. income (card): $0No minimum income required. Min. spend (bonus): $10k in 3 mos.	≈ $652Flytrippers Valuation Welcome bonus: 70,000 pts (≈ $1050) Earn on min. spend: 10,000 pts (≈ $150) Annual travel credit (year 1): can be cashed out ($200) Dining credit (year 1): $200 credit at conservative valuation (≈ $100) Card fee (year 1): deducted (-$799) Renewal bonus: 30,000 pts (≈ $450) Annual travel credit (year 2): can be cashed out ($200) Dining credit (year 2): $200 credit at conservative valuation (≈ $100) Card fee (year 2): deducted (-$799) Rewards: ≈ $1451 Card fee: $799	110,000 pts + unlimited lounges and $200 travel credit
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Best credit cards in Canada for other airline points

Aeroplan and Avios points are the best, but there are a few other interesting airline points.

You can read our detailed page about the best credit cards in Canada for other airline points (coming soon).

Best credit cards for other airline points
NEW Cathay World Elite^{^®} Mastercard^{^®} – powered by Neo (not available in QC) Valuation (BONUS) ≈ $405Flytrippers Valuation Welcome bonus (after 1^st purchase): 20,000 pts (≈ $260) Welcome bonus (after min. spend): 20,000 pts (≈ $260) Earn on min. spend: 5,000 pts (≈ $65) Card fee: deducted (-$180) (≈ 8.1% back on $5k) Rewards: ≈ $585 Card fee: $180 Spend required:$5k in 3 mos. Best for: 45,000 Asia miles by unlocking bonus & Cathay Pacific benefits LUCRATIVE 80k/150k limited time
MBNA Rewards World Elite^{^®} Mastercard^{^®} Valuation (BONUS) ≈ $480Flytrippers Valuation Welcome bonus (after min. spend): 20,000 pts (≈ $300) Welcome bonus (after e-statements): 10,000 pts (≈ $150) Earn on min. spend: 10,000 pts (≈ $150) Card fee: deducted (-$120) (≈ 24% back on $2k) Rewards: ≈ $600 Card fee: $120 Spend required:$2k in 3 mos. (see QC offer) Best for: 40,000 Alaska miles by unlocking bonus later in 2024 SIMPLE 80k/150k
MBNA Rewards Platinum Plus^{^®} Mastercard^{^®} Valuation (BONUS) ≈ $180Flytrippers Valuation Welcome bonus (after min. spend): 5,000 pts (≈ $75) Welcome bonus (after e-statements): 5,000 pts (≈ $75) Earn on min. spend: 2,000 pts (≈ $30) Card fee: no annual fee (-$0) (≈ 36% back on $500) Rewards: ≈ $180 Card fee: $0 Spend required:$500 in 3 mos. Best for: 12,000 Alaska miles by unlocking bonus later in 2024 SIMPLE
Air France KLM World Elite Mastercard^{^®} Valuation (BONUS) $0Flytrippers Valuation Welcome bonus: none ($0) Card fee: first year free (-$0) ( back on $0) Rewards: $0 Card fee: $0 $132 Spend required:$0 no welcome bonus Best for: 0 Flying Blue miles (no welcome bonus currently) LUCRATIVE 80k/150k
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Best credit cards for other airline points		WELCOME BONUS ( VALUATION)	Best for
NEW	Cathay World Elite^{^®} Mastercard^{^®} – powered by Neo (not available in QC) Min. income (card): $80k or $150kMinimum personal income of $80,000 or minimum household income of $150,000 Min. spend (bonus): $5k in 3 mos.	≈ $405Flytrippers Valuation Welcome bonus (after 1^st purchase): 20,000 pts (≈ $260) Welcome bonus (after min. spend): 20,000 pts (≈ $260) Earn on min. spend: 5,000 pts (≈ $65) Card fee: deducted (-$180) Rewards: ≈ $585 Card fee: $180	45,000 Asia miles by unlocking bonus & Cathay Pacific benefits	limited time
	MBNA Rewards World Elite^{^®} Mastercard^{^®} Min. income (card): $80k or $150kMinimum personal income of $80,000 or minimum household income of $150,000 Min. spend (bonus): $2k in 3 mos. (see QC offer)	≈ $480Flytrippers Valuation Welcome bonus (after min. spend): 20,000 pts (≈ $300) Welcome bonus (after e-statements): 10,000 pts (≈ $150) Earn on min. spend: 10,000 pts (≈ $150) Card fee: deducted (-$120) Rewards: ≈ $600 Card fee: $120	40,000 Alaska miles by unlocking bonus later in 2024
	MBNA Rewards Platinum Plus^{^®} Mastercard^{^®} Min. income (card): $0No minimum income required. Min. spend (bonus): $500 in 3 mos.	≈ $180Flytrippers Valuation Welcome bonus (after min. spend): 5,000 pts (≈ $75) Welcome bonus (after e-statements): 5,000 pts (≈ $75) Earn on min. spend: 2,000 pts (≈ $30) Card fee: no annual fee (-$0) Rewards: ≈ $180 Card fee: $0	12,000 Alaska miles by unlocking bonus later in 2024
	Air France KLM World Elite Mastercard^{^®} Min. income (card): $80k or $150kMinimum personal income of $80,000 or minimum household income of $150,000 Min. spend (bonus): no welcome bonus	$0Flytrippers Valuation Welcome bonus: none ($0) Card fee: first year free (-$0) Rewards: $0 Card fee: $0 $132	0 Flying Blue miles (no welcome bonus currently)
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Best credit cards in Canada for WestJet dollars

The WestJet Rewards program gives you airline points of the more simple type that are easy to use for any WestJet flight, some limited partner flights, and soon for Sunwing flights as the airline will be integrated into WestJet in 2024.

You can read our detailed page about the best credit cards in Canada for other WestJet dollars (coming soon).

Best credit cards for WestJet dollars
WestJet RBC World Elite Mastercard Valuation (BONUS) $406Flytrippers Valuation Welcome bonus (after 1^st purchase): 250 WestJet dollars ($250) Welcome bonus (after min. spend): 200 WestJet dollars ($200) Earn on min. spend: 75 WestJet dollars ($75) Card fee: deducted (-$119) ( 8.1% back on $5k) Rewards: $525 Card fee: $119 Spend required:$5k in 3 mos. Best for: 525 WestJet dollars by unlocking bonus & free bag + BOGO/lounge SIMPLE 80k/150k ends May 28^th
WestJet RBC Mastercard Valuation (BONUS) $71Flytrippers Valuation Welcome bonus (upon approval): 50 WestJet dollars ($50) Welcome bonus (after min. spend): 50 WestJet dollars ($50) Earn on min. spend: 10 WestJet dollars ($10) Card fee: deducted (-$39) ( 7.1% back on $1k) Rewards: $110 Card fee: $39 Spend required:$1k in 3 mos. Best for: 110 WestJet dollars by unlocking bonus & Buy One Get One ticket SIMPLE
RBC Avion Visa Infinite Privilege Card Valuation (BONUS) ≈ $214^∗Flytrippers Valuation (as WestJet dollars; ≈ $520 actual Valuation) Welcome bonus (upon approval): 35,000 pts ($350) Welcome bonus (after min. spend): 20,000 pts ($200) Earn on min. spend: 6,250 pts ($63) Card fee: deducted (-$399) Also offered but not included in Valuation: renewal bonus of 15,000 pts ($150) (≈ 4.3%* back on $5k) Rewards: ≈ $613 Card fee: $399 Spend required:$5k in 6 mos. Best for: 613 WestJet dollars by unlocking bonus or more valuable uses LUCRATIVE 200k/200k limited time
NEW RBC Avion Visa Infinite Card Valuation (BONUS) ≈ $480^∗Flytrippers Valuation (as WestJet dollars; ≈ $780 actual Valuation) Welcome bonus (after 1^st purchase): 350 dollars ($350) Welcome bonus (after min. spend): 200 dollars ($200) Earn on min. spend: 50 dollars ($50) Card fee: deducted (-$120) (≈ 9.6%* back on $5k) Rewards: ≈ $600 Card fee: $120 Spend required:$5k in 6 mos. Best for: 600 WestJet dollars by unlocking bonus after welcome bonus LUCRATIVE 60k/100k ends June 11^th
RBC Avion Visa Platinum Card Valuation (BONUS) ≈ $480^∗Flytrippers Valuation (as WestJet dollars; ≈ $780 actual Valuation) Welcome bonus (after 1^st purchase): 350 dollars ($350) Welcome bonus (after min. spend): 200 dollars ($200) Earn on min. spend: 50 dollars ($50) Card fee: deducted (-$120) (≈ 9.6%* back on $5k) Rewards: ≈ $600 Card fee: $120 Spend required:$5k in 6 mos. Best for: 600 WestJet dollars by unlocking bonus after welcome bonus LUCRATIVE ends June 11^th
RBC ION+ Visa Card Valuation (BONUS) $37^∗Flytrippers Valuation (as WestJet dollars; ≈ $80 actual Valuation) Welcome bonus (on approval): 3,500 pts ($35) Welcome bonus (after min. spend): 3,500 pts ($35) Earn on min. spend: 1,500 pts ($15) Card fee: deducted (-$48) ( 7.4%* back on $500) Rewards: $85 Card fee: $48 Spend required:$500 in 3 mos. Best for: 85 WestJet dollars by unlocking bonus or more valuable uses SIMPLE ends May 14^th
RBC ION Visa Card Valuation (BONUS) $35^∗Flytrippers Valuation (as WestJet dollars; ≈ $53 actual Valuation) Welcome bonus: 3,500 pts ($35) Card fee: no annual fee (-$0) ( back on $0) Rewards: $35 Card fee: $0 Spend required:$0 no min. spend Best for:* 35 WestJet dollars by unlocking bonus or more valuable uses SIMPLE ends May 14^th
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Best credit cards for WestJet dollars		WELCOME BONUS ( VALUATION)	Best for
	WestJet RBC World Elite Mastercard Min. income (card): $80k or $150kMinimum personal income of $80,000 or minimum household income of $150,000 Min. spend (bonus): $5k in 3 mos.	$406Flytrippers Valuation Welcome bonus (after 1^st purchase): 250 WestJet dollars ($250) Welcome bonus (after min. spend): 200 WestJet dollars ($200) Earn on min. spend: 75 WestJet dollars ($75) Card fee: deducted (-$119) Rewards: $525 Card fee: $119	525 WestJet dollars by unlocking bonus & free bag + BOGO/lounge	ends May 28^th
	WestJet RBC Mastercard Min. income (card): $0No minimum income required. Min. spend (bonus): $1k in 3 mos.	$71Flytrippers Valuation Welcome bonus (upon approval): 50 WestJet dollars ($50) Welcome bonus (after min. spend): 50 WestJet dollars ($50) Earn on min. spend: 10 WestJet dollars ($10) Card fee: deducted (-$39) Rewards: $110 Card fee: $39	110 WestJet dollars by unlocking bonus & Buy One Get One ticket
	RBC Avion Visa Infinite Privilege Card Min. income (card): $200k or $200kMinimum personal income of $200,000 or minimum household income of $200,000 Min. spend (bonus): $5k in 6 mos.	≈ $214^∗Flytrippers Valuation (*as WestJet dollars; ≈ $520 actual Valuation) Welcome bonus (upon approval): 35,000 pts ($350) Welcome bonus (after min. spend): 20,000 pts ($200) Earn on min. spend: 6,250 pts ($63) Card fee: deducted (-$399) Also offered but not included in Valuation: renewal bonus of 15,000 pts ($150) Rewards: ≈ $613 Card fee: $399	613 WestJet dollars by unlocking bonus or more valuable uses	limited time
NEW	RBC Avion Visa Infinite Card Min. income (card): $60k or $100kMinimum personal income of $60,000 or minimum household income of $100,000 Min. spend (bonus): $5k in 6 mos.	≈ $480^∗Flytrippers Valuation (*as WestJet dollars; ≈ $780 actual Valuation) Welcome bonus (after 1^st purchase): 350 dollars ($350) Welcome bonus (after min. spend): 200 dollars ($200) Earn on min. spend: 50 dollars ($50) Card fee: deducted (-$120) Rewards: ≈ $600 Card fee: $120	600 WestJet dollars by unlocking bonus after welcome bonus	ends June 11^th apply now
	RBC Avion Visa Platinum Card Min. income (card): $0No minimum income required. Min. spend (bonus): $5k in 6 mos.	≈ $480^∗Flytrippers Valuation (*as WestJet dollars; ≈ $780 actual Valuation) Welcome bonus (after 1^st purchase): 350 dollars ($350) Welcome bonus (after min. spend): 200 dollars ($200) Earn on min. spend: 50 dollars ($50) Card fee: deducted (-$120) Rewards: ≈ $600 Card fee: $120	600 WestJet dollars by unlocking bonus after welcome bonus	ends June 11^th
	RBC ION+ Visa Card Min. income (card): $0No minimum income required. Min. spend (bonus): $500 in 3 mos.	$37^∗Flytrippers Valuation (*as WestJet dollars; ≈ $80 actual Valuation) Welcome bonus (on approval): 3,500 pts ($35) Welcome bonus (after min. spend): 3,500 pts ($35) Earn on min. spend: 1,500 pts ($15) Card fee: deducted (-$48) Rewards: $85 Card fee: $48	85 WestJet dollars by unlocking bonus or more valuable uses	ends May 14^th
	RBC ION Visa Card Min. income (card): $0No minimum income required. Min. spend (bonus): no min. spend	$35^∗Flytrippers Valuation (*as WestJet dollars; ≈ $53 actual Valuation) Welcome bonus: 3,500 pts ($35) Card fee: no annual fee (-$0) Rewards: $35 Card fee: $0	35 WestJet dollars by unlocking bonus or more valuable uses	ends May 14^th
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Best credit cards in Canada for AIR MILES Rewards

The AIR MILES program is widely-known but quite misused: like any rewards program, you can get the highest potential value by using it for travel. And AIR MILES Miles are easy to earn with many credit cards available.

You can read our detailed page about the best credit cards in Canada for AIR MILES Rewards (coming soon).

Best credit cards for AIR MILES Rewards
NEW BMO AIR MILES^{^®^†} World Elite^{^®} MasterCard^{^®} Valuation (BONUS) ≈ $998Flytrippers Valuation Welcome bonus (after $4.5k): 3,000 Miles (≈ $315) Welcome bonus (after $5.5k more): 2,000 Miles (≈ $210) Welcome bonus (after $10k more): 2,000 Miles (≈ $210) Earn on min. spend ($4.5k): 563 Miles (≈ $59) Earn on min. spend ($5.5k more): 687 Miles (≈ $72) Earn on min. spend ($10k more): 1,250 Miles (≈ $131) Card fee: 1^st year free (-$0) (≈ 5.0% back on $20k) Rewards: ≈ $998 Card fee: $0 $120 Spend required:$20k in 12 mos. (or $4.5k/$10k) Best for: 9,500 Miles with welcome bonus & AM elite status SIMPLE 80k/150k ends June 1^st
NEW BMO AIR MILES^{^®^†} MasterCard^{^®} Valuation (BONUS) ≈ $139Flytrippers Valuation Welcome bonus (Miles): 1200 pts (≈ $126) Earn on min. spend: 120 pts (≈ $13) Card fee: none (-$0) (≈ 9.3%* back on $1.5k) Rewards: ≈ $139 Card fee: $0 Spend required:$1.5k in 110 days Best for: 1320 Miles with welcome bonus & Dream/Cash conversions SIMPLE 15k ends June 1^st
BMO AIR MILES World Elite^{^®} Business Mastercard^{^®} Valuation (BONUS) $420Flytrippers Valuation Welcome bonus: 3,000 pts (≈ $360) Earn on min. spend: 500 pts (≈ $60) Card fee: 1^st year free (-$0) ( 8.4% back on $5k) Rewards: $420 Card fee: $0 $120 Spend required:$5k in 3 mos. Best for: 3,500 Miles after welcome bonus LUCRATIVE 80k/150k
BMO^{^®} AIR MILES^{^®^†} No-Fee Business^{^®} Mastercard^{^®} Valuation (BONUS) $138Flytrippers Valuation Welcome bonus: 1,000 pts (≈ $120) Earn on min. spend: 150 pts (≈ $18) Card fee: no annual fee (-$0) ( 4.6%* back on $3k) Rewards: $138 Card fee: $0 Spend required:$3k in 3 mos. Best for: 1,150 Miles after welcome bonus LUCRATIVE
BMO AIR MILES^{^®^†} Mastercard^{^®} (Student) Valuation (BONUS) ≈ $92Flytrippers Valuation Welcome bonus: 800 pts (≈ $84) Earn on min. spend: 80 pts (≈ $8) Card fee: none (-$0) (≈ 9.2%* back on $1k) Rewards: ≈ $92 Card fee: $0 Spend required:$1k in 3 mos. Best for: 880 Miles after welcome bonus SIMPLE
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Best credit cards for AIR MILES Rewards		WELCOME BONUS ( VALUATION)	AIR MILES Miles
NEW	BMO AIR MILES^{^®^†} World Elite^{^®} MasterCard^{^®} Min. income (card): $80k or $150kMinimum personal income of $80,000 or minimum household income of $150,000 Min. spend (bonus): $20k in 12 mos. (or $4.5k/$10k for lower bonus)	≈ $998Flytrippers Valuation Welcome bonus (after $4.5k): 3,000 Miles (≈ $315) Welcome bonus (after $5.5k more): 2,000 Miles (≈ $210) Welcome bonus (after $10k more): 2,000 Miles (≈ $210) Earn on min. spend ($4.5k): 563 Miles (≈ $59) Earn on min. spend ($5.5k more): 687 Miles (≈ $72) Earn on min. spend ($10k more): 1,250 Miles (≈ $131) Card fee: 1^st year free (-$0) Rewards: ≈ $998 Card fee: $0 $120	9,500 Miles with welcome bonus & AM elite status	ends June 1^st
NEW	BMO AIR MILES^{^®^†} MasterCard^{^®*} Min. income (card): $15kMinimum personal income of $15,000 Min. spend (bonus): $1.5k in 110 days	≈ $139Flytrippers Valuation Welcome bonus (Miles): 1200 pts (≈ $126) Earn on min. spend: 120 pts (≈ $13) Card fee: none (-$0) Rewards: ≈ $139 Card fee: $0	1320 Miles with welcome bonus & Dream/Cash conversions	ends June 1^st
	BMO AIR MILES World Elite^{^®} Business Mastercard^{^®} Card: business required Min. spend (bonus): $5k in 3 mos.	$420Flytrippers Valuation Welcome bonus: 3,000 pts (≈ $360) Earn on min. spend: 500 pts (≈ $60) Card fee: 1^st year free (-$0) Rewards: $420 Card fee: $0 $120	3,500 Miles after welcome bonus
	BMO^{^®} AIR MILES^{^®^†} No-Fee Business^{^®} Mastercard^{^®*} Card: business required Min. spend (bonus): $3k in 3 mos.	$138Flytrippers Valuation Welcome bonus: 1,000 pts (≈ $120) Earn on min. spend: 150 pts (≈ $18) Card fee: no annual fee (-$0) Rewards: $138 Card fee: $0	1,150 Miles after welcome bonus
	BMO AIR MILES^{^®^†} Mastercard^{^®*} (Student) Min. income (card): $0No minimum income required. Min. spend (bonus): $1k in 3 mos.	≈ $92Flytrippers Valuation Welcome bonus: 800 pts (≈ $84) Earn on min. spend: 80 pts (≈ $8) Card fee: none (-$0) Rewards: ≈ $92 Card fee: $0	880 Miles after welcome bonus
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Best credit cards in Canada for cashback

Travel rewards are a lot better than cashback if you want to get more value. And some types of travel rewards are just as simple and flexible as cashback. But some still prefer cashback, so here are the few cashback cards that at least have good welcome bonuses.

You can read our detailed page about the best credit cards in Canada for cashback (coming soon).

Best credit cards for cash back
Scotiabank Gold American Express^{^®} Card Valuation (BONUS) $655Flytrippers Valuation Welcome bonus (after $2k in 3 mos.): 20,000 pts ($200) Welcome bonus (after another $5.5k in 1y): 20,000 pts ($200) Earn on min. spend (2k$): 10,000 pts ($100) Earn on min. spend ($5.5k): 27,500 pts ($275) Card fee: deducted (-$120) ( 8.7% back on $7.5k) Rewards: $775 Card fee: $120 Spend required:$7.5k in 12 mos. (or $2k) Best for: 6% at Sobeys 5% other food SIMPLE 12k ends July 1^st
American Express Cobalt^{^®} Card Valuation (BONUS) $444^∗Flytrippers Valuation (as cash back; ≈ $744 actual Valuation) Welcome bonus: 15,000 pts ($150) Earn on min. spend: 45,000 pts ($450) Card fee: deducted (-$156) ( 4.9%* back on $9k) Rewards: $600 Card fee: $156 Spend required:$9k in 12 mos. Best for: 5% on groceries (1-3% elsewhere) LUCRATIVE
BEST TD Cash Back Visa Infinite* Card Valuation (BONUS) $350Flytrippers Valuation Welcome bonus (10% earn rate on 3 categories): cash back ($350) Card fee: rebated the 1^st year (-$0) ( 10% back on $3.5k) Rewards: $350 Annual fee: $0 $139 Spend required:$3.5k in 3 mos. Best for: 3% on groceries, gas, bills (1% elsewhere) 💲SIMPLE 60k/100k
NEW BMO AIR MILES^{^®^†} World Elite^{^®} MasterCard^{^®} Valuation (BONUS) ≈ $998Flytrippers Valuation Welcome bonus (after $4.5k): 3,000 Miles (≈ $315) Welcome bonus (after $5.5k more): 2,000 Miles (≈ $210) Welcome bonus (after $10k more): 2,000 Miles (≈ $210) Earn on min. spend ($4.5k): 563 Miles (≈ $59) Earn on min. spend ($5.5k more): 687 Miles (≈ $72) Earn on min. spend ($10k more): 1,250 Miles (≈ $131) Card fee: 1^st year free (-$0) (≈ 5.0% back on $20k) Rewards: ≈ $998 Card fee: $0 $120 Spend required:$20k in 12 mos. (or $4.5k/$10k) Best for: 1.05% (2.63% at AM partners) SIMPLE 80k/150k ends June 1^st
BMO CashBack^{^®} World Elite^{^®} Mastercard^{^®} Valuation (BONUS) $230Flytrippers Valuation Welcome bonus (groceries): 10% cash back on $500 ($50) Welcome bonus (gas and EV charging): 10% cash back on $300 ($30) Welcome bonus (bill payments): 10% cash back on $500 ($50) Welcome bonus (other purchases): 10% cash back on $1000 ($100) Card fee: 1^st year free (-$0) Also offered but not included in Valuation: 10% cash back on $300 in mass transit ($30) Also offered but not included in Valuation: bonus cash back if you spend $25,000 ($75) ( 10% back on $2.3k) Rewards: $230 Card fee: $0 $120 Spend required:$2.3k in 3 mos. (categories) Best for: 5% (with monthly cap) on groceries (1-4% elsewhere) 💲SIMPLE 80k/150k ends June 1^st
Scotia Momentum^{^®} Visa Infinite* Card Valuation (BONUS) $200Flytrippers Valuation Welcome bonus: cashback ($200) Card fee: 1^st year free (-$0) ( 10% back on $2k) Rewards: $200 Card fee: $0 $120 Spend required:$2k in 3 mos. Best for: 4% on groceries (1-2% elsewhere) 💲SIMPLE 60k/100k ends June 30^th
SimplyCash^{^®} Preferred Card from American Express Valuation (BONUS) $80Flytrippers Valuation Welcome bonus: 10% cash back on $2k ($200) Card fee: deducted (-$120) ( 4% back on $2k) Rewards: $200 Card fee: $120 Spend required:$2k in 3 mos. Best for: 4% on groceries/gas (2% elsewhere) SIMPLE
Tangerine World Mastercard^{^®} Valuation (BONUS) $120Flytrippers Valuation Welcome bonus: 10% cash back on $1k ($100) Earn on min. spend: 2% in 3 categories ($20) Card fee: none (-$0) ( 12% back on $1k) Rewards: $120 Card fee: $0 Spend required:$1k in 2 mos. Best for: 2% choice of 3 categories SIMPLE 50k/80k ends August 31^st
BMO eclipse rise Visa* Card Valuation (BONUS) $192Flytrippers Valuation Welcome bonus: 20,000 pts ($133) Payments bonus: 2,500 pts ($17) Uses bonus: 2,500 pts ($17) Earn on min. spend: 3,750 pts ($25) Card fee: no annual fee (-$0) Additional monthly spend bonus also offered ( 12.8% back on $1.5k) Rewards: $192 Card fee: $0 Spend required:$1.5k in 3 mos. Best for: 1.66% on food no annual fee SIMPLE
SimplyCash^{^®} Card from American Express Valuation (BONUS) $100Flytrippers Valuation Welcome bonus: 5% cash back on $2k ($100) Card fee: none (-$0) ( 5% back on $2k) Rewards: $100 Card fee: $0 Spend required:$2k in 3 mos. Best for: 2% on groceries/gas (1.25% elsewhere) SIMPLE
NEW BMO AIR MILES^{^®^†} MasterCard^{^®} Valuation (BONUS) ≈ $139Flytrippers Valuation Welcome bonus (Miles): 1200 pts (≈ $126) Earn on min. spend: 120 pts (≈ $13) Card fee: none (-$0) (≈ 9.3%* back on $1.5k) Rewards: ≈ $139 Card fee: $0 Spend required:$1.5k in 110 days Best for: 0.84% on groceries SIMPLE 15k ends June 1^st
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Best credit cards for cash back		WELCOME BONUS ( VALUATION)	Earn rate
	Scotiabank Gold American Express^{^®} Card Min. income (card): $12kMinimum personal income of $12,000 Min. spend (bonus): $7.5k in 12 mos. (or $2k for lower bonus)	$655Flytrippers Valuation Welcome bonus (after $2k in 3 mos.): 20,000 pts ($200) Welcome bonus (after another $5.5k in 1y): 20,000 pts ($200) Earn on min. spend (2k$): 10,000 pts ($100) Earn on min. spend ($5.5k): 27,500 pts ($275) Card fee: deducted (-$120) Rewards: $775 Card fee: $120	6% at Sobeys 5% other food	ends July 1^st
	American Express Cobalt^{^®} Card Min. income (card): $0No minimum income required. Min. spend (bonus): $750/month for 12 months	$444^∗Flytrippers Valuation (*as cash back; ≈ $744 actual Valuation) Welcome bonus: 15,000 pts ($150) Earn on min. spend: 45,000 pts ($450) Card fee: deducted (-$156) Rewards: $600 Card fee: $156	5% on groceries (1-3% elsewhere)
BEST	TD Cash Back Visa Infinite* Card Min. income (card): $60k or $100kMinimum personal income of $60,000 or minimum household income of $100,000 Min. spend (bonus): $3.5k in 3 months	$350Flytrippers Valuation Welcome bonus (10% earn rate on 3 categories): cash back ($350) Card fee: rebated the 1^st year (-$0) Rewards: $350 Annual fee: $0 $139	3% on groceries, gas, bills (1% elsewhere)
NEW	BMO AIR MILES^{^®^†} World Elite^{^®} MasterCard^{^®} Min. income (card): $80k or $150kMinimum personal income of $80,000 or minimum household income of $150,000 Min. spend (bonus): $20k in 12 mos. (or $4.5k/$10k for lower bonus)	≈ $998Flytrippers Valuation Welcome bonus (after $4.5k): 3,000 Miles (≈ $315) Welcome bonus (after $5.5k more): 2,000 Miles (≈ $210) Welcome bonus (after $10k more): 2,000 Miles (≈ $210) Earn on min. spend ($4.5k): 563 Miles (≈ $59) Earn on min. spend ($5.5k more): 687 Miles (≈ $72) Earn on min. spend ($10k more): 1,250 Miles (≈ $131) Card fee: 1^st year free (-$0) Rewards: ≈ $998 Card fee: $0 $120	1.05% (2.63% at AM partners)	ends June 1^st
	BMO CashBack^{^®} World Elite^{^®} Mastercard^{^®} Min. income (card): $80k or $150kMinimum personal income of $80,000 or minimum household income of $150,000 Min. spend (bonus): $2.3k in 3 mos. (categories)	$230Flytrippers Valuation Welcome bonus (groceries): 10% cash back on $500 ($50) Welcome bonus (gas and EV charging): 10% cash back on $300 ($30) Welcome bonus (bill payments): 10% cash back on $500 ($50) Welcome bonus (other purchases): 10% cash back on $1000 ($100) Card fee: 1^st year free (-$0) Also offered but not included in Valuation: 10% cash back on $300 in mass transit ($30) Also offered but not included in Valuation: bonus cash back if you spend $25,000 ($75) Rewards: $230 Card fee: $0 $120	5% (with monthly cap) on groceries (1-4% elsewhere)	ends June 1^st
	Scotia Momentum^{^®} Visa Infinite* Card Min. income (card): $60k or $100kMinimum personal income of $60,000 or minimum household income of $100,000 Min. spend (bonus): $2k in 3 mos.	$200Flytrippers Valuation Welcome bonus: cashback ($200) Card fee: 1^st year free (-$0) Rewards: $200 Card fee: $0 $120	4% on groceries (1-2% elsewhere)	ends June 30^th
	SimplyCash^{^®} Preferred Card from American Express Min. income (card): $0No minimum income required. Min. spend (bonus): $2k in 3 mos.	$80Flytrippers Valuation Welcome bonus: 10% cash back on $2k ($200) Card fee: deducted (-$120) Rewards: $200 Card fee: $120	4% on groceries/gas (2% elsewhere)
	Tangerine World Mastercard^{^®} Min. income (card): $50k or $80kMinimum personal income of $50,000 or minimum household income of $80,000 Min. spend (bonus): $1k in 2 mos.	$120Flytrippers Valuation Welcome bonus: 10% cash back on $1k ($100) Earn on min. spend: 2% in 3 categories ($20) Card fee: none (-$0) Rewards: $120 Card fee: $0	2% choice of 3 categories	ends August 31^st
	BMO eclipse rise Visa* Card Min. income (card): $0No minimum income required. Min. spend (bonus): $1.5k in 3 mos.	$192Flytrippers Valuation Welcome bonus: 20,000 pts ($133) Payments bonus: 2,500 pts ($17) Uses bonus: 2,500 pts ($17) Earn on min. spend: 3,750 pts ($25) Card fee: no annual fee (-$0) Additional monthly spend bonus also offered Rewards: $192 Card fee: $0	1.66% on food no annual fee
	SimplyCash^{^®} Card from American Express Min. income (card): $0No minimum income required. Min. spend (bonus): $2k in 3 mos.	$100Flytrippers Valuation Welcome bonus: 5% cash back on $2k ($100) Card fee: none (-$0) Rewards: $100 Card fee: $0	2% on groceries/gas (1.25% elsewhere)
NEW	BMO AIR MILES^{^®^†} MasterCard^{^®*} Min. income (card): $15kMinimum personal income of $15,000 Min. spend (bonus): $1.5k in 110 days	≈ $139Flytrippers Valuation Welcome bonus (Miles): 1200 pts (≈ $126) Earn on min. spend: 120 pts (≈ $13) Card fee: none (-$0) Rewards: ≈ $139 Card fee: $0	0.84% on groceries	ends June 1^st
Terms and conditions apply. Flytrippers editorial opinion only. Financial institutions are not responsible for maintaining the content on this site. Please click "See More" to see most up-to-date information.

Best credit cards in Canada with no foreign transaction fees

Almost every Canadian credit card charges a 2.5% fee on all transactions in foreign currencies, which might still be worth paying overall, depending on your card strategy. But these are the best credit cards to avoid that fee altogether.

You can read our detailed page about the best credit cards in Canada with no foreign transaction fees (coming soon).

Best credit cards with no foreign transaction fees
EQ Bank Card (Prepaid Mastercard) Valuation (BONUS) $0Flytrippers Valuation Welcome bonus: none ($0) Card fee: no annual fee (-$0) ( back on $0) Rewards: $0 Card fee: $0 Spend required:$0 no welcome bonus Best for: No fee & no credit check prepaid card SIMPLE
Scotiabank Passport^{^®} Visa Infinite^* Card Valuation (BONUS) $190Flytrippers Valuation Welcome bonus: 30,000 pts ($300) Earn on min. spend: 4,000 pts ($40) Card fee: deducted (-$150) Also offered but not included in Valuation: additional spend bonus of 10,000 pts ($100) ( 9.5% back on $2k) Rewards: $340 Card fee: $150 Spend required:$2k in 3 mos. Best for: Airport lounge access 6 passes SIMPLE 60k/100k ends July 1^st
Scotiabank Gold American Express^{^®} Card Valuation (BONUS) $655Flytrippers Valuation Welcome bonus (after $2k in 3 mos.): 20,000 pts ($200) Welcome bonus (after another $5.5k in 1y): 20,000 pts ($200) Earn on min. spend (2k$): 10,000 pts ($100) Earn on min. spend ($5.5k): 27,500 pts ($275) Card fee: deducted (-$120) ( 8.7% back on $7.5k) Rewards: $775 Card fee: $120 Spend required:$7.5k in 12 mos. (or $2k) Best for: Very good travel insurance and earn rate SIMPLE 12k ends July 1^st
NEW Scotiabank Platinum American Express^{^®} Card Valuation (BONUS) $601Flytrippers Valuation Welcome bonus (after $3k in 3 mos.): 60,000 pts ($600) Welcome bonus (after another $7k in 14 mos.): 20,000 pts ($200) Earn on min. spend (3k$): 6,000 pts ($60) Earn on min. spend ($7k): 14,000 pts ($140) Card fee: deducted (-$399) ( 6.0% back on $10k) Rewards: $1000 Card fee: $399 Spend required:$10k in 14 mos. (or $3k) Best for: Airport lounge access 10 passes SIMPLE 12k ends October 31^st
Home Trust Preferred Visa Card (not available in QC) Valuation (BONUS) $0Flytrippers Valuation Welcome bonus: none ($0) Card fee: no annual fee (-$0) ( back on $0) Rewards: $0 Card fee: $0 Spend required:$0 no welcome bonus Best for: No minimum spend add-on w/ other card
Home Trust Equityline Visa Card (not available in QC) Valuation (BONUS) $0Flytrippers Valuation Welcome bonus: none ($0) Card fee: no annual fee (-$0) ( back on $0) Rewards: $0 Card fee: $0 Spend required:$0 no welcome bonus Best for: No minimum spend add-on w/ other card
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Best credit cards with no foreign transaction fees		WELCOME BONUS ( VALUATION)	Other benefit
	EQ Bank Card (Prepaid Mastercard) Min. income (card): $0No minimum income required. Min. spend (bonus): no welcome bonus	$0Flytrippers Valuation Welcome bonus: none ($0) Card fee: no annual fee (-$0) Rewards: $0 Card fee: $0	No fee & no credit check prepaid card
	Scotiabank Passport^{^®} Visa Infinite^* Card Min. income (card): $60k or $100kMinimum personal income of $60,000 or minimum household income of $100,000 Min. spend (bonus): $2k in 3 mos.	$190Flytrippers Valuation Welcome bonus: 30,000 pts ($300) Earn on min. spend: 4,000 pts ($40) Card fee: deducted (-$150) Also offered but not included in Valuation: additional spend bonus of 10,000 pts ($100) Rewards: $340 Card fee: $150	Airport lounge access 6 passes	ends July 1^st
	Scotiabank Gold American Express^{^®} Card Min. income (card): $12kMinimum personal income of $12,000 Min. spend (bonus): $7.5k in 12 mos. (or $2k for lower bonus)	$655Flytrippers Valuation Welcome bonus (after $2k in 3 mos.): 20,000 pts ($200) Welcome bonus (after another $5.5k in 1y): 20,000 pts ($200) Earn on min. spend (2k$): 10,000 pts ($100) Earn on min. spend ($5.5k): 27,500 pts ($275) Card fee: deducted (-$120) Rewards: $775 Card fee: $120	Very good travel insurance and earn rate	ends July 1^st
NEW	Scotiabank Platinum American Express^{^®} Card Min. income (card): $12kMinimum personal income of $12,000 Min. spend (bonus): $10k in 14 mos. (or $3k for lower bonus)	$601Flytrippers Valuation Welcome bonus (after $3k in 3 mos.): 60,000 pts ($600) Welcome bonus (after another $7k in 14 mos.): 20,000 pts ($200) Earn on min. spend (3k$): 6,000 pts ($60) Earn on min. spend ($7k): 14,000 pts ($140) Card fee: deducted (-$399) Rewards: $1000 Card fee: $399	Airport lounge access 10 passes	ends October 31^st
	Home Trust Preferred Visa Card (not available in QC) Min. income (card): $No minimum income required. Min. spend (bonus): no welcome bonus	$0Flytrippers Valuation Welcome bonus: none ($0) Card fee: no annual fee (-$0) Rewards: $0 Card fee: $0	No minimum spend add-on w/ other card
	Home Trust Equityline Visa Card (not available in QC) Min. income (card): $No minimum income required. Min. spend (bonus): no welcome bonus	$0Flytrippers Valuation Welcome bonus: none ($0) Card fee: no annual fee (-$0) Rewards: $0 Card fee: $0	No minimum spend add-on w/ other card
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Best credit cards in Canada for balance transfers

You should never carry a balance on a credit card. If you do, fixing that should be your #1 financial priority (the yearly thousand dollars in travel rewards you can get with credit cards should be good motivation). But if you are carrying a balance, in the meantime these cards will at least help you save on interest by doing a transfer.

You can read our detailed page about the best credit cards in Canada for balance transfers (coming soon).

Best credit cards for balance transfers
MBNA True Line^{^®} Mastercard^{^®} Valuation (BONUS) $0Flytrippers Valuation Welcome bonus: none ($0) Card fee: no annual fee (-$0) ( back on $0) Rewards: $0 Card fee: $0 Spend required:$0 no welcome bonus Best for: 0% for 12 mos 3% transfer fee
Scotiabank Value^{^®} Visa* Card Valuation (BONUS) $0Flytrippers Valuation Welcome bonus: none ($0) Card fee: first year free (-$0) ( back on $0) Rewards: $0 Card fee: $0 $29 Spend required:$0 no welcome bonus offer Best for: 0.99% for 9 mos. 2% transfer fee 12k ends October 31^st
BMO eclipse rise Visa* Card Valuation (BONUS) $192Flytrippers Valuation Welcome bonus: 20,000 pts ($133) Payments bonus: 2,500 pts ($17) Uses bonus: 2,500 pts ($17) Earn on min. spend: 3,750 pts ($25) Card fee: no annual fee (-$0) Additional monthly spend bonus also offered ( 12.8% back on $1.5k) Rewards: $192 Card fee: $0 Spend required:$1.5k in 3 mos. Best for: 0.99% for 9 mos 2% transfer fee SIMPLE
BMO CashBack^{^®} Mastercard^{^®} Valuation (BONUS) $125Flytrippers Valuation Welcome bonus (groceries): 5% cash back on $500 ($25) Welcome bonus (bill payments): 5% cash back on $500 ($25) Welcome bonus (other purchases): 5% cash back on $1500 ($75) Card fee: none (-$0) ( 5% back on $2.5k) Rewards: $125 Card fee: $0 Spend required:$2.5k in 3 mos. (categories) Best for:* 0.99% for 9 mos 2% transfer fee 💲SIMPLE 15k
NEW BMO AIR MILES^{^®^†} MasterCard^{^®} Valuation (BONUS) ≈ $139Flytrippers Valuation Welcome bonus (Miles): 1200 pts (≈ $126) Earn on min. spend: 120 pts (≈ $13) Card fee: none (-$0) (≈ 9.3%* back on $1.5k) Rewards: ≈ $139 Card fee: $0 Spend required:$1.5k in 110 days Best for: 0.99% for 9 mos 2% transfer fee SIMPLE 15k ends June 1^st
RBC Visa Classic Low Rate Option Card Valuation (BONUS) $0Flytrippers Valuation Welcome bonus: none ($0) Card fee: first year free (-$0) ( back on $0) Rewards: $0 Card fee: $0 $29 Spend required:$0 no welcome bonus offer Best for: 0.99% for 10 mos. 3% transfer fee
Tangerine Money-Back Card Valuation (BONUS) $120Flytrippers Valuation Welcome bonus: 10% cash back on $1k ($100) Earn on min. spend: 2% in 3 categories ($20) Card fee: none (-$0) ( 12% back on $1k) Rewards: $120 Card fee: $0 Spend required:$1k in 2 mos. Best for: 1.95% for 6 mos 1% transfer fee SIMPLE 12k ends August 31^st
Tangerine World Mastercard^{^®} Valuation (BONUS) $120Flytrippers Valuation Welcome bonus: 10% cash back on $1k ($100) Earn on min. spend: 2% in 3 categories ($20) Card fee: none (-$0) ( 12% back on $1k) Rewards: $120 Card fee: $0 Spend required:$1k in 2 mos. Best for: 1.95% for 6 mos 1% transfer fee SIMPLE 50k/80k ends August 31^st
Terms and conditions apply. Flytrippers editorial opinion only. Financial institutions are not responsible for maintaining the content on this site. Please click "See More" to see most up-to-date information.

Best credit cards for balance transfers		WELCOME BONUS ( VALUATION)	Interest rate
	MBNA True Line^{^®} Mastercard^{^®} Card: $0 (card NOT available in QC) Min. spend (bonus): no welcome bonus	$0Flytrippers Valuation Welcome bonus: none ($0) Card fee: no annual fee (-$0) Rewards: $0 Card fee: $0	0% for 12 mos 3% transfer fee
	Scotiabank Value^{^®} Visa* Card Min. income (card): $12kMinimum personal income of $12,000 Min. spend (bonus): no welcome bonus offer	$0Flytrippers Valuation Welcome bonus: none ($0) Card fee: first year free (-$0) Rewards: $0 Card fee: $0 $29	0.99% for 9 mos. 2% transfer fee	ends October 31^st
	BMO eclipse rise Visa* Card Min. income (card): $0No minimum income required. Min. spend (bonus): $1.5k in 3 mos.	$192Flytrippers Valuation Welcome bonus: 20,000 pts ($133) Payments bonus: 2,500 pts ($17) Uses bonus: 2,500 pts ($17) Earn on min. spend: 3,750 pts ($25) Card fee: no annual fee (-$0) Additional monthly spend bonus also offered Rewards: $192 Card fee: $0	0.99% for 9 mos 2% transfer fee
	BMO CashBack^{^®} Mastercard^{^®*} Min. income (card): $15kMinimum personal income of $15,000 Min. spend (bonus): $2.5k in 3 mos. (categories)	$125Flytrippers Valuation Welcome bonus (groceries): 5% cash back on $500 ($25) Welcome bonus (bill payments): 5% cash back on $500 ($25) Welcome bonus (other purchases): 5% cash back on $1500 ($75) Card fee: none (-$0) Rewards: $125 Card fee: $0	0.99% for 9 mos 2% transfer fee
NEW	BMO AIR MILES^{^®^†} MasterCard^{^®*} Min. income (card): $15kMinimum personal income of $15,000 Min. spend (bonus): $1.5k in 110 days	≈ $139Flytrippers Valuation Welcome bonus (Miles): 1200 pts (≈ $126) Earn on min. spend: 120 pts (≈ $13) Card fee: none (-$0) Rewards: ≈ $139 Card fee: $0	0.99% for 9 mos 2% transfer fee	ends June 1^st
	RBC Visa Classic Low Rate Option Card Min. income (card): $0No minimum income required. Min. spend (bonus): no welcome bonus offer	$0Flytrippers Valuation Welcome bonus: none ($0) Card fee: first year free (-$0) Rewards: $0 Card fee: $0 $29	0.99% for 10 mos. 3% transfer fee
	Tangerine Money-Back Card Min. income (card): $12kMinimum personal income of $12,000 Min. spend (bonus): $1k in 2 mos.	$120Flytrippers Valuation Welcome bonus: 10% cash back on $1k ($100) Earn on min. spend: 2% in 3 categories ($20) Card fee: none (-$0) Rewards: $120 Card fee: $0	1.95% for 6 mos 1% transfer fee	ends August 31^st
	Tangerine World Mastercard^{^®} Min. income (card): $50k or $80kMinimum personal income of $50,000 or minimum household income of $80,000 Min. spend (bonus): $1k in 2 mos.	$120Flytrippers Valuation Welcome bonus: 10% cash back on $1k ($100) Earn on min. spend: 2% in 3 categories ($20) Card fee: none (-$0) Rewards: $120 Card fee: $0	1.95% for 6 mos 1% transfer fee	ends August 31^st
Terms and conditions apply. Flytrippers editorial opinion only. Financial institutions are not responsible for maintaining the content on this site. Please click "See More" to see most up-to-date information.

Best credit cards in Canada with low minimum spends

Pros know that adding a 2^nd card the same day as a card application is a great way to double your welcome bonuses, and that’s easier when the 2^nd has a low minimum spend (also for those who spend less, despite our tips to reach minimum spend requirements).

You can read our detailed page about the best credit cards in Canada with low minimum spends (coming soon).

Best credit cards with low minimum spends
Scotiabank Gold American Express^{^®} Card Valuation (BONUS) $180^∗Flytrippers Valuation (with low min. spend; ≈ $655 actual Valuation) Welcome bonus (after $2k in 3 mos.): 20,000 pts ($200) Earn on min. spend (2k$): 10,000 pts ($100) Card fee: deducted (-$120) ( 9% back on $2k) Rewards: $300 Card fee: $120 Spend required:$2k in 3 mos. (or $7.5k) Best for:* Lower spend 5x on food, no FX insurance for lower income SIMPLE 12k ends July 1^st
TD Platinum Travel Visa^* Card Valuation (BONUS) $273Flytrippers Valuation Welcome bonus (after 1^st purchase): 15,000 pts ($75) Welcome bonus (after min. spend): 35,000 pts ($175) Earn on min. spend: 4,500 pts ($23) Card fee: rebated the 1^st year (-$0) ( 27.3% back on $1k) Rewards: $273 Annual fee: $0 $89 Spend required:$1k in 3 mos. Best for: Easy to use simple points no annual fee (1^st year) SIMPLE
BMO eclipse rise Visa* Card Valuation (BONUS) $192Flytrippers Valuation Welcome bonus: 20,000 pts ($133) Payments bonus: 2,500 pts ($17) Uses bonus: 2,500 pts ($17) Earn on min. spend: 3,750 pts ($25) Card fee: no annual fee (-$0) Additional monthly spend bonus also offered ( 12.8% back on $1.5k) Rewards: $192 Card fee: $0 Spend required:$1.5k in 3 mos. Best for: One of the highest bonuses (no-fee cards) SIMPLE
American Express^{^®} Green Card Valuation (BONUS) ≈ $165Flytrippers Valuation Welcome bonus: 10,000 pts (≈ $150) Earn on min. spend: 1,000 pts (≈ $15) Card fee: no annual fee (-$0) (≈ 16.5% back on $1k) Rewards: ≈ $165 Card fee: $0 Spend required:$1k in 3 mos. Best for: Valuable Amex points for free LUCRATIVE
CIBC Aventura^{^®} Visa* Card Valuation (BONUS) ≈ $20Flytrippers Valuation Welcome bonus (4 easy activities): 2,000 pts (≈ $20) Card fee: no annual fee (-$0) Additional bonus also offered if you hold a CIBC chequing account (≈ back on $0) Rewards: ≈ $20 Card fee: showFee: $0^† Annual Interest Rate (purchases): 20.99%^† Annual Interest Rate (balance transfer): 22.99%^†, 21.99%^† (for Québec residents) Annual Interest Rate (cash advance): 22.99%^†, 21.99%^† (for Québec residents) Spend required:$0 no min. spend (4 actions) Best for: Flexible points no-fee card LUCRATIVE 15k/15k
Scotiabank Passport^{^®} Visa Infinite^* Card Valuation (BONUS) $190Flytrippers Valuation Welcome bonus: 30,000 pts ($300) Earn on min. spend: 4,000 pts ($40) Card fee: deducted (-$150) Also offered but not included in Valuation: additional spend bonus of 10,000 pts ($100) ( 9.5% back on $2k) Rewards: $340 Card fee: $150 Spend required:$2k in 3 mos. Best for: 6 airport lounge passes and no FX fees SIMPLE 60k/100k ends July 1^st
NEW BMO AIR MILES^{^®^†} MasterCard^{^®} Valuation (BONUS) ≈ $139Flytrippers Valuation Welcome bonus (Miles): 1200 pts (≈ $126) Earn on min. spend: 120 pts (≈ $13) Card fee: none (-$0) (≈ 9.3%* back on $1.5k) Rewards: ≈ $139 Card fee: $0 Spend required:$1.5k in 110 days Best for: More AIR MILES Rewards SIMPLE 15k ends June 1^st
moi RBC^{^®} Visa^‡ Card Valuation (BONUS) $112Flytrippers Valuation Welcome bonus (after approval): 3,000 pts ($24) Welcome bonus (after $500 in 3 mos.): 3,500 pts ($28) Welcome bonus (after another $1.5k in 1y): 3,500 pts ($28) Earn on min. spend (500$): 1,000 pts ($8) Earn on min. spend ($1.5k): 3,000 pts ($24) Card fee: none (-$0) ( 5.6% back on $2k) Rewards: $112 Card fee: $0 Spend required:$2k in 12 mos. (or $500) Best for: Grocery rewards For QC residents SIMPLE ends July 8^th
Terms and conditions apply. Flytrippers editorial opinion only. Financial institutions are not responsible for maintaining the content on this site. Please click "See More" to see most up-to-date information.

Best credit cards with low minimum spends		WELCOME BONUS ( VALUATION)	Best for
	Scotiabank Gold American Express^{^®} Card Min. income (card): $12kMinimum personal income of $12,000 Min. spend (bonus): $2k in 3 mos. (or $7.5k for full bonus)	$180^∗Flytrippers Valuation (*with low min. spend; ≈ $655 actual Valuation) Welcome bonus (after $2k in 3 mos.): 20,000 pts ($200) Earn on min. spend (2k$): 10,000 pts ($100) Card fee: deducted (-$120) Rewards: $300 Card fee: $120	Lower spend 5x on food, no FX insurance for lower income	ends July 1^st
	TD Platinum Travel Visa^* Card Min. income (card): $0No minimum income required. Min. spend (bonus): $1k in 3 months	$273Flytrippers Valuation Welcome bonus (after 1^st purchase): 15,000 pts ($75) Welcome bonus (after min. spend): 35,000 pts ($175) Earn on min. spend: 4,500 pts ($23) Card fee: rebated the 1^st year (-$0) Rewards: $273 Annual fee: $0 $89	Easy to use simple points no annual fee (1^st year)
	BMO eclipse rise Visa* Card Min. income (card): $0No minimum income required. Min. spend (bonus): $1.5k in 3 mos.	$192Flytrippers Valuation Welcome bonus: 20,000 pts ($133) Payments bonus: 2,500 pts ($17) Uses bonus: 2,500 pts ($17) Earn on min. spend: 3,750 pts ($25) Card fee: no annual fee (-$0) Additional monthly spend bonus also offered Rewards: $192 Card fee: $0	One of the highest bonuses (no-fee cards)
	American Express^{^®} Green Card Min. income (card): $0No minimum income required. Min. spend (bonus): $1k in 3 mos.	≈ $165Flytrippers Valuation Welcome bonus: 10,000 pts (≈ $150) Earn on min. spend: 1,000 pts (≈ $15) Card fee: no annual fee (-$0) Rewards: ≈ $165 Card fee: $0	Valuable Amex points for free
	CIBC Aventura^{^®} Visa* Card Min. income (card): $15k or $15kMinimum personal income of $15,000 or minimum household income of $15,000 Min. spend (bonus): no min. (4 actions)	≈ $20Flytrippers Valuation Welcome bonus (4 easy activities): 2,000 pts (≈ $20) Card fee: no annual fee (-$0) Additional bonus also offered if you hold a CIBC chequing account Rewards: ≈ $20 Card fee: showFee: $0^† Annual Interest Rate (purchases): 20.99%^† Annual Interest Rate (balance transfer): 22.99%^†, 21.99%^† (for Québec residents) Annual Interest Rate (cash advance): 22.99%^†, 21.99%^† (for Québec residents)	Flexible points no-fee card
	Scotiabank Passport^{^®} Visa Infinite^* Card Min. income (card): $60k or $100kMinimum personal income of $60,000 or minimum household income of $100,000 Min. spend (bonus): $2k in 3 mos.	$190Flytrippers Valuation Welcome bonus: 30,000 pts ($300) Earn on min. spend: 4,000 pts ($40) Card fee: deducted (-$150) Also offered but not included in Valuation: additional spend bonus of 10,000 pts ($100) Rewards: $340 Card fee: $150	6 airport lounge passes and no FX fees	ends July 1^st
NEW	BMO AIR MILES^{^®^†} MasterCard^{^®*} Min. income (card): $15kMinimum personal income of $15,000 Min. spend (bonus): $1.5k in 110 days	≈ $139Flytrippers Valuation Welcome bonus (Miles): 1200 pts (≈ $126) Earn on min. spend: 120 pts (≈ $13) Card fee: none (-$0) Rewards: ≈ $139 Card fee: $0	More AIR MILES Rewards	ends June 1^st
	moi RBC^{^®} Visa^‡ Card Min. income (card): $0No minimum income required. Min. spend (bonus): $2k in 12 mos. (or $500 for lower bonus)	$112Flytrippers Valuation Welcome bonus (after approval): 3,000 pts ($24) Welcome bonus (after $500 in 3 mos.): 3,500 pts ($28) Welcome bonus (after another $1.5k in 1y): 3,500 pts ($28) Earn on min. spend (500$): 1,000 pts ($8) Earn on min. spend ($1.5k): 3,000 pts ($24) Card fee: none (-$0) Rewards: $112 Card fee: $0	Grocery rewards For QC residents	ends July 8^th
Terms and conditions apply. Flytrippers editorial opinion only. Financial institutions are not responsible for maintaining the content on this site. Please click "See More" to see most up-to-date information.

Best credit cards in Canada for businesses

If you have an incorporated business, you have even more options in terms of small business cards, so here are the best ones.

You can read our detailed page about the best credit cards in Canada for businesses (coming soon).

Best business credit cards
Business Platinum Card^{^®} from American Express Valuation (BONUS) ≈ $1123Flytrippers Valuation Welcome bonus: 80,000 pts (≈ $1200) Earn on min. spend: 18,750 pts (≈ $281) Annual travel credit (year 1): can be cashed out ($200) Wireless credit (year 1): $10 per month ($120) Card fee (year 1): deducted (-$799) Renewal bonus: 40,000 pts (≈ $600) Annual travel credit (year 1): can be cashed out ($200) Wireless credit (year 2): $10 per month ($120) Card fee (year 2): deducted (-$799) (≈ 7.5% back on $15k) Rewards: ≈ $1922 Card fee: $799 Spend required:$15k in 3 mos. Best for: Big spenders & luxury travelers LUCRATIVE
American Express^{^®} Business Gold Rewards Card Valuation (BONUS) ≈ $514Flytrippers Valuation Welcome bonus: 40,000 pts (≈ $600) Earn on min. spend: 7,500 pts (≈ $113) Card fee: deducted (-$199) Also offered but not included in Valuation: quarterly spending bonus (≈ 6.9% back on $7.5k) Rewards: ≈ $713 Card fee: $199 Spend required:$7.5k in 3 mos. Best for: More valuable Amex points for Aeroplan or Avios LUCRATIVE
American Express^{^®} Aeroplan^{^®} Business Reserve Card Valuation (BONUS) ≈ $573Flytrippers Valuation Welcome bonus: 65,000 pts (≈ $975) Earn on min. spend: 13,125 pts (≈ $197) Card fee: deducted (-$599) Also offered but not included in Valuation: renewal bonus of 25,000 pts (≈ $375) with extra $3500 spend (≈ 5.5%* back on $10.5k) Rewards: ≈ $1172 Card fee: $599 Spend required:$10.5k in 3 mos. Best for: Frequent Air Canada travel & maximizing Aeroplan LUCRATIVE
Marriott Bonvoy^{^™} Business American Express^{^®} Card Valuation (BONUS) ≈ $480Flytrippers Valuation Welcome bonus : 60,000 pts (≈ $540) Earn on min. spend: 10,000 pts (≈ $90) Card fee: deducted (-$150) (≈ 9.6% back on $5k) Rewards: ≈ $630 Card fee: $150 Spend required:$5k in 3 mos. Best for: Valuable Marriott certificate another must-have LUCRATIVE
BMO AIR MILES World Elite^{^®} Business Mastercard^{^®} Valuation (BONUS) $420Flytrippers Valuation Welcome bonus: 3,000 pts (≈ $360) Earn on min. spend: 500 pts (≈ $60) Card fee: 1^st year free (-$0) ( 8.4% back on $5k) Rewards: $420 Card fee: $0 $120 Spend required:$5k in 3 mos. Best for: AIR MILES Rewards collectors LUCRATIVE 80k/150k
BMO Ascend World Elite^{^®} Business Mastercard^{^®} Valuation (BONUS) $216Flytrippers Valuation Welcome bonus (after 1 purchase): 20,000 pts ($133) Welcome bonus (after $3k in 3^rd month): 8,000 pts ($53) Earn on min. spend: 4,500 pts ($30) Card fee: first year free (-$0) Also offered but not included in Valuation: 9 other monthly bonuses of 8,000 pts ($0) ( 7.2% back on $3k) Rewards: $216 Card fee: $0 $149 Spend required:$3k spend $3k in 3^rd month Best for: Easy-to-use fixed-value rewards SIMPLE 80k/150k
BMO CashBack^{^®} Business Mastercard^{^®} Valuation (BONUS) $150Flytrippers Valuation Welcome bonus: cashback ($150) Card fee: no annual fee (-$0) ( 10%* back on $1.5k) Rewards: $150 Card fee: $0 Spend required:$1.5k in 3 mos. * Best for: Simple cashback rewards
BMO^{^®} AIR MILES^{^®^†} No-Fee Business^{^®} Mastercard^{^®} Valuation (BONUS) $138Flytrippers Valuation Welcome bonus: 1,000 pts (≈ $120) Earn on min. spend: 150 pts (≈ $18) Card fee: no annual fee (-$0) ( 4.6%* back on $3k) Rewards: $138 Card fee: $0 Spend required:$3k in 3 mos. Best for: AIR MILES collectors who spend less LUCRATIVE
Terms and conditions apply. Flytrippers editorial opinion only. Financial institutions are not responsible for maintaining the content on this site. Please click "See More" to see most up-to-date information.

Best business credit cards		WELCOME BONUS ( VALUATION)	Best for
	Business Platinum Card^{^®} from American Express Card: no business required Min. spend (bonus): $15k in 3 mos.	≈ $1123Flytrippers Valuation Welcome bonus: 80,000 pts (≈ $1200) Earn on min. spend: 18,750 pts (≈ $281) Annual travel credit (year 1): can be cashed out ($200) Wireless credit (year 1): $10 per month ($120) Card fee (year 1): deducted (-$799) Renewal bonus: 40,000 pts (≈ $600) Annual travel credit (year 1): can be cashed out ($200) Wireless credit (year 2): $10 per month ($120) Card fee (year 2): deducted (-$799) Rewards: ≈ $1922 Card fee: $799	Big spenders & luxury travelers
	American Express^{^®} Business Gold Rewards Card Card: no business required Min. spend (bonus): $7.5k in 3 mos.	≈ $514Flytrippers Valuation Welcome bonus: 40,000 pts (≈ $600) Earn on min. spend: 7,500 pts (≈ $113) Card fee: deducted (-$199) Also offered but not included in Valuation: quarterly spending bonus Rewards: ≈ $713 Card fee: $199	More valuable Amex points for Aeroplan or Avios
	American Express^{^®} Aeroplan^{^®*} Business Reserve Card Card: no business required Min. spend (bonus): $10.5k in 3 mos.	≈ $573Flytrippers Valuation Welcome bonus: 65,000 pts (≈ $975) Earn on min. spend: 13,125 pts (≈ $197) Card fee: deducted (-$599) Also offered but not included in Valuation: renewal bonus of 25,000 pts (≈ $375) with extra $3500 spend Rewards: ≈ $1172 Card fee: $599	Frequent Air Canada travel & maximizing Aeroplan
	Marriott Bonvoy^{^™} Business American Express^{^®} Card Card: no business required Min. spend (bonus): $5k in 3 mos.	≈ $480Flytrippers Valuation Welcome bonus : 60,000 pts (≈ $540) Earn on min. spend: 10,000 pts (≈ $90) Card fee: deducted (-$150) Rewards: ≈ $630 Card fee: $150	Valuable Marriott certificate another must-have
	BMO AIR MILES World Elite^{^®} Business Mastercard^{^®} Card: business required Min. spend (bonus): $5k in 3 mos.	$420Flytrippers Valuation Welcome bonus: 3,000 pts (≈ $360) Earn on min. spend: 500 pts (≈ $60) Card fee: 1^st year free (-$0) Rewards: $420 Card fee: $0 $120	AIR MILES Rewards collectors
	BMO Ascend World Elite^{^®} Business Mastercard^{^®} Card: business required Min. spend (bonus): $3k in 3^rd month	$216Flytrippers Valuation Welcome bonus (after 1 purchase): 20,000 pts ($133) Welcome bonus (after $3k in 3^rd month): 8,000 pts ($53) Earn on min. spend: 4,500 pts ($30) Card fee: first year free (-$0) Also offered but not included in Valuation: 9 other monthly bonuses of 8,000 pts ($0) Rewards: $216 Card fee: $0 $149	Easy-to-use fixed-value rewards
	BMO CashBack^{^®} Business Mastercard^{^®} Card: business required Min. spend (bonus): $1.5k in 3 mos.	$150Flytrippers Valuation Welcome bonus: cashback ($150) Card fee: no annual fee (-$0) Rewards: $150 Card fee: $0	Simple cashback rewards
	BMO^{^®} AIR MILES^{^®^†} No-Fee Business^{^®} Mastercard^{^®*} Card: business required Min. spend (bonus): $3k in 3 mos.	$138Flytrippers Valuation Welcome bonus: 1,000 pts (≈ $120) Earn on min. spend: 150 pts (≈ $18) Card fee: no annual fee (-$0) Rewards: $138 Card fee: $0	AIR MILES collectors who spend less
Terms and conditions apply. Flytrippers editorial opinion only. Financial institutions are not responsible for maintaining the content on this site. Please click "See More" to see most up-to-date information.

Best prepaid credit cards in Canada

While you won’t get a high amount of travel rewards by getting a prepaid credit card, if you are building your credit and still want some of the benefits of credit cards in a free chequing account, these prepaid cards do not require a credit check and have no fees, so there’s no reason to not get them all.

You can read our detailed page about the best prepaid credit cards in Canada (coming soon).

Best prepaid credit cards
KOHO Prepaid Mastercard Valuation (BONUS) $0Flytrippers Valuation Welcome bonus: none ($0) Card fee: no annual fee (-$0) ( back on $0) Rewards: $0 Card fee: $0 Spend required:$0 no welcome bonus Best for: 0.5% cashback on everything
EQ Bank Card (Prepaid Mastercard) Valuation (BONUS) $0Flytrippers Valuation Welcome bonus: none ($0) Card fee: no annual fee (-$0) ( back on $0) Rewards: $0 Card fee: $0 Spend required:$0 no welcome bonus Best for: Earn 3% interest & no FX fees/ATM fees SIMPLE
Neo Money^{^™} Card Prepaid Mastercard Valuation (BONUS) $0Flytrippers Valuation Welcome bonus: none ($0) Card fee: no annual fee (-$0) ( back on $0) Rewards: $0 Card fee: $0 Spend required:$0 no welcome bonus Best for: Earn 2.25% interest & 0.5%+ cashback
CIBC Air Canada conversion^{^™} Visa^* Prepaid Card Valuation (BONUS) $0Flytrippers Valuation Welcome bonus: none ($0) Card fee: no annual fee (-$0) ( back on $0) Rewards: $0 Card fee: $0 Spend required:$0 no welcome bonus Best for: 10 different currencies & 1%+ cashback
Terms and conditions apply. Flytrippers editorial opinion only. Financial institutions are not responsible for maintaining the content on this site. Please click "See More" to see most up-to-date information.

Best prepaid credit cards		WELCOME BONUS ( VALUATION)	Best for
	KOHO Prepaid Mastercard Min. income (card): $0No minimum income required. Min. spend (bonus): no welcome bonus	$0Flytrippers Valuation Welcome bonus: none ($0) Card fee: no annual fee (-$0) Rewards: $0 Card fee: $0	0.5% cashback on everything
	EQ Bank Card (Prepaid Mastercard) Min. income (card): $0No minimum income required. Min. spend (bonus): no welcome bonus	$0Flytrippers Valuation Welcome bonus: none ($0) Card fee: no annual fee (-$0) Rewards: $0 Card fee: $0	Earn 3% interest & no FX fees/ATM fees
	Neo Money^{^™} Card Prepaid Mastercard Card: not available in Québec Min. spend (bonus): no welcome bonus	$0Flytrippers Valuation Welcome bonus: none ($0) Card fee: no annual fee (-$0) Rewards: $0 Card fee: $0	Earn 2.25% interest & 0.5%+ cashback
	CIBC Air Canada conversion^{^™} Visa^* Prepaid Card Min. income (card): $0No minimum income required. Min. spend (bonus): no welcome bonus	$0Flytrippers Valuation Welcome bonus: none ($0) Card fee: no annual fee (-$0) Rewards: $0 Card fee: $0	10 different currencies & 1%+ cashback
Terms and conditions apply. Flytrippers editorial opinion only. Financial institutions are not responsible for maintaining the content on this site. Please click "See More" to see most up-to-date information.

Other upcoming credit card categories

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Best credit cards for WestJet dollars
Best credit cards for other airline points
Best credit cards for luxury travel benefits
Best credit cards for travel insurance
Best credit cards for insurance coverage for reward flights
Best credit cards for mobile device insurance
Best credit cards for building credit scores
Best credit cards for students
Best credit cards for low interest rates
More to be announced later

Other upcoming financial categories

Subscribe to our free travel rewards newsletter to get all our content to save money and travel more.

Best banking accounts for travelers
Best international ATM withdrawal options
Best international money transfer options
Best travel insurance
Best bill payment services
Best credit score monitoring
Best online investing services
Best cryptocurrency platforms
More to be announced later

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How our ranking of the best credit cards works

Here’s how we’ve designed the tables for each card ranking category, with more to come about each card in the non-beta version.

1. The card ranking category
So you can easily see which ranking this is.

2. The card image and card name
So you can easily see what card we’re talking about.

3. The minimum income required
So you can easily see if you are eligible for the card.

4. The Flytrippers Valuation
So you can easily see how much value you’ll get from the welcome bonus alone (clickable to see detailed calculations).

5. The minimum spend requirement
So you can easily see how much spend is required to unlock the welcome bonus.

6. The custom data column
So you can easily see why this card is included in that specific category ranking.

7. The link to the card’s page
So you can easily read more details about the card (that page will soon be revamped too).

How we calculate our Flytrippers Valuation

The key element in our ranking of the best credit cards in Canada is our Flytrippers Valuation. It’s there to help you understand how much a credit card’s welcome bonus is worth. We always include only the value you get from the welcome bonus, not from any additional spending whatsoever. Why?

First, not all point currencies are worth the same amount, so “20,000 points” means nothing: that can be worth $100 or that can be worth $300. The Flytrippers Valuation shows you the dollar value at a glance so you can compare credit cards more easily, apples to apples.

Second, we want to show you what you’ll get with just the welcome bonus since that’s the amount that will be the same for everyone regardless of what you decide to do after. The Flytrippers Valuation shows you the best-case maximization scenario to get the most points for the least spend.

For the beta version, the detailed Flytrippers Valuation and welcome bonus components is briefly broken down by clicking on the number. It will be even more detailed on each card page very soon.

For fixed-value rewards, the Flytrippers Valuation is obviously simply the guaranteed value of those points (those without the “≈” symbol).

For variable-value rewards, the Flytrippers Valuation is a very conservative and fair value for an average traveler—but you can easily get a lot more value with the same points if you use them well (or less if you use them badly). That’s the beauty of points with outsized value and unlimited value.

The relaunched card pages will show you concrete examples of how to get even more than the Flytrippers Valuation for each card that earns variable-value points (those with the “≈” symbol).

Reminder of credit card basics

If you are a beginner in the fascinating world of travel rewards and credit cards, there are very important rules to know about. Some are very counterintuitive, like for example how you should never cancel your old cards. That’s a common mistake that is very bad for your credit score.

For more great pro tips that are simply vital, please download our free checklist for when you get a new card.

Of course, you also need to understand why having more credit cards is better for your credit score (if paid on-time and in full—obviously), why welcome bonuses are the key to earning more travel rewards, why banks offer such generous welcome bonuses, and all the other credit card basics.

And stay tuned for our upcoming text and video content for beginners.

How to choose the best credit cards for you

There is simply no “best card” because that would be saying that having just one card is good (it’s not), that welcome bonuses never change (they do), or that every traveler is the same (you are not).

This topic will be a major one in our free travel rewards beginners course, but here is a brief overview of 7 things to consider when choosing.

1. Your level of ambition for travel rewards overall

Everything always starts with your level of ambition. If you aren’t interested in putting in any effort to earn travel rewards correctly (AKA by getting multiple credit card welcome bonuses every year), then your strategy will be a lot different than travelers who want to take travel rewards very seriously.

How to decide:

If your level of ambition is lower, card earn rates will be a bigger deciding factor since you’ll be doing this the (very very) slow way with just the few points you earn on your regular purchases.

If your level of ambition is higher and you want to maximize your rewards, you’ll focus on the welcome bonuses. That’s our recommendation if you want to get a lot of rewards, a better credit score, and more benefits (obviously).

2. Your desire to maximize the value you get and be flexible

Similarly, many travelers do not want to learn anything about how rewards work.

That’s fine: it’s not mandatory because there are 2 types of travel reward redemption options: rewards of the more simple type (less lucrative) and rewards of the more lucrative type (less simple).

How to decide:

If you don’t want to invest any time, don’t want to be flexible, and don’t want to learn how to maximize the rewards, you should stick to rewards of the more simple type. There’s no complexity at all; their value varies less (or not at all) and they can be redeemed with few restrictions (or none).

If you want to invest a bit of time, be flexible, and maximize your rewards, you should focus on rewards of the more lucrative type. It’s more complex; their value can be outsized and literally unlimited (or terrible, too) and there are restrictions. That’s our recommendation if you like good deals (including on luxury).

3. Your income level

Sadly, most card issuers still discriminate based on income level and restrict some of their best cards to those who earn more money. You obviously need to take that into account when choosing cards.

How to decide:

If your income is under $60,000 per year (or $100,000 for your household), there are simply fewer options. In that situation, it’s still very doable to get a ton of rewards but it’s even more important to focus on welcome bonuses and rewards of the more lucrative type. The upside is that at this income level, most happen to have more time to learn to maximize (and to start generating non-employment income of any kind; see below).

If your income is between $60,000 and $80,000 per year (or $100,000 to $150,000 for your household), you have access to almost all offers.

If your income is over $80,000 per year (or $150,000 for your household), you have access to all offers (except a few very premium cards that rarely give the best value anyway).

If you have literally any non-employment income (reselling online, side gig of any kind, etc.) even if it’s a tiny amount and even if you’re not an incorporated business, you’ll also have access to many business cards that are very worthwhile.

4. Your spending habits

No, we’re not talking about earn rates on each spend category (welcome bonuses are the key). Almost all welcome bonuses come with a minimum spend requirement (usually in the first 3 months). So if you don’t spend as much (which is a good thing!) you need to take that into account.

It’s so simple: use all your spending to unlock welcome bonuses. That’s it. Never spend more to earn rewards, never. We also have tips to reach these minimum spend requirements (including prepaying future expenses and paying your rent/car/tax by card) so you can unlock more bonuses.

How to decide:

If you can spend $3,000 in 3 months ($231/week), you’ll have access to most welcome bonuses (that’s a common requirement).

If you spend less, you’ll simply be more selective in the bonuses you choose.

If you are planning on making major purchases (renovations, furniture, etc.), this is the best time to take advantage and look at offers that require a large amount of spending but are extremely worthwhile (and may not normally be reachable for you).

5. Your desire to get travel benefits

Many credit cards offer various travel benefits (like free access to VIP airport lounges, free bags, medical travel insurance, etc.) in addition to all the rewards you earn.

Our Flytrippers Valuation of the offers only takes into account the concrete value of the rewards you get with the welcome bonus (minus the fee, if any). We never assign a value to subjective benefits that you might value at more than $0 yourself.

How to decide:

If you do value airport lounge access or other travel benefits, it might be worth sacrificing a bit of total value in terms of travel rewards to get those benefits. Our card resource pages have a tab with all the benefits listed.

If you simply prefer to have the highest value in terms of rewards so that you can travel more or travel for less, you can ignore all the other details. But keep in mind that some benefits also save you money and are not just luxuries (meals and drinks in lounges, insurance, etc.).

6. Your other cards

The cards you already have are important in your rewards strategy, in terms of reaching your overall objectives (if you want to fly business class or if you have enough points for flights and want hotel points) and in terms of the welcome bonus eligibility rules (many banks have waiting periods before you can get the same card again, or other of their cards).

And as for any financial strategy, diversification is a lot safer. You don’t want to have just one specific rewards currency. You especially should never have just one currency because you’ll never be able to go fast that way.

How to decide:

If you already have airline points, you might want to make sure you have more points of the simple type to redeem for your other expenses. If you want to travel in business class, you’ll have to focus mainly on airline points (or transferable bank points).

If you already have a few cards, you will have to take into account the different eligibility rules. For some, you must not have had their card for 1 year or 2 years. For others, it is only the date of the last application that counts. For some, each card is treated separately. For others, any card from that bank will count. It varies.

7. Your travel preferences

Finally, the way you travel will be the last major factor in choosing between the few cards that match your profile. If you want to prioritize getting the best deal, you can simply plan your trips around the redemptions that give the most value.

If you want to book very specific destinations or very specific dates, some points may be much better than others, so you have to check according to your needs.

How to decide:

The precise redemption you want to make with your travel rewards is what will determine the value you will get. So by understanding what you can get concretely with the rewards of each card (always listed on our card resource pages), you will be able to make the best decision for you.

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Flytrippers travel rewards terms & conditions

This content is not sponsored. Some links on this page may allow Flytrippers to earn a commission at absolutely no cost to you. Thank you for using our links and helping us keep all our content free for everyone and therefore helping us to fulfill our mission of helping Canadians travel more for less.

The views and opinions expressed on this page are purely our own. They have not been provided, approved, endorsed, or ratified by any third party mentioned on the site.

Financial institutions are not responsible for updating or ensuring the accuracy of the information on Flytrippers’ website. All the information was independently collected by Flytrippers and not provided by financial institutions.

All offers described on the Flytrippers website are subject to the financial institutions’ latest terms and conditions that can be found on their website. No efforts are spared to ensure this page is up to date, but offers from financial institutions change quickly. It is your responsibility to ensure the accuracy of these offers on their website. Flytrippers will not accept any responsibility for the accuracy of the offers or the result of your actions.

Flytrippers’ website does not contain all available credit card offers or all available credit card products on the market. Flytrippers never shares an offer if it is not considered advantageous for certain travelers, at its sole discretion.

No author on Flytrippers’ website is a financial advisor, a financial planner, a legal professional, or a tax professional. No author on Flytrippers’ website can in any way be considered as such.

All articles and pages on Flytrippers’ website are merely personal opinions of a general nature and are for informational purposes only and should not be considered as advice for specific situations. It is your responsibility to perform your own personal research to make sure that travel rewards are appropriate for your own situation.

You can learn more about our terms of use here.

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