Best credit cards in Canada

September 2023

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 (September 2023)

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 $510 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 one in September).

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Best credit card offers (September 2023)		WELCOME BONUS ( VALUATION)	Best for
NEW	TD First Class Travel^® Visa Infinite^* Card Card: $60k minimum income requiredMinimum personal income of $60,000 or minimum household income of $100,000 Bonus: spend $5k in 6 mos.	$725Flytrippers Valuation Welcome bonus (after 1st purchase): 20,000 pts ($100) Welcome bonus (after min. spend): 95,000 pts ($475) Earn on min. spend: 30,000 pts ($150) Card fee: 1st year free (-$0) Also offered but not included in Valuation Birthday Bonus: 10% of points earned up to 10,000 pts ($50) Also offered but not included in Valuation Travel credit: On 1st $500 booking ($100) Rewards: $725 Card fee: $0 $139	Highest offer for simple points and 1st year free	ends January 3rd
NEW	RBC Avion Visa Infinite Card Card: $60k minimum income requiredMinimum personal income of $60,000 or minimum household income of $100,000 Bonus: spend $5k in 6 mos.	≈ $780Flytrippers Valuation Welcome bonus (after 1st 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	Versatile rewards valuable or simple great beginner's card	ends November 27th
NEW	TD^® Aeroplan^® Visa Infinite* Card Card: $60k minimum income requiredMinimum personal income of $60,000 or minimum household income of $100,000 Bonus: spend $7.5k in 12 mos.	≈ $780Flytrippers Valuation Welcome bonus (after 1st purchase): 10,000 pts (≈ $150) Welcome bonus (after $5k min. spend): 25,000 pts (≈ $375) Earn on $5k min. spend: 7,500 pts (≈ $113) Anniversary bonus (after another $2.5k in spend): 15,000 pts (≈ $225) Earn on another $2.5k in spend: 3,750 pts (≈ $56) Card fee (year 1): first year free(-$0) Card fee (year 2): deducted (-$139) Also offered but not included in Valuation Credit: for NEXUS ($100) Rewards: ≈ $780 Card fee: $0 $139	Valuable Aeroplan pts and travel benefits $5k spend option also available	ends January 3rd
NEW	Platinum Card^® from American Express Card: $0 minimum income requiredNo minimum income required. Bonus: spend $10k in 3 mos.	≈ $801Flytrippers Valuation Welcome bonus: 70,000 pts (≈ $1050) Earn on min. spend: 10,000 pts (≈ $150) Annual travel credit: can be cashed out ($200) Dining credit (2023): $200 total conservatively-valued (≈ $100) Dining credit (2024): $200 total conservatively-valued (≈ $100) Card fee: deducted (-$799) Also offered but not included in Valuation: renewal bonus of 30,000 pts (≈ $450) Also offered but not included in Valuation: NEXUS credit ($100) Rewards: ≈ $1600 Card fee: $799	Unlimited access to airport lounges and flexible rewards
	American Express^® Gold Rewards Card Card: $0 minimum income requiredNo minimum income required. Bonus: spend $1k/mo for 12 mos.	≈ $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	Valuable rewards and 4 airport lounge passes
Best	American Express Cobalt^® Card Card: $0 minimum income requiredNo minimum income required. Bonus: spend $500/mo for 12 mos.	≈ $744Flytrippers Valuation Welcome bonus: 30,000 pts (≈ $450) Earn on min. spend: 30,000 pts (≈ $450) Card fee: deducted (-$156) Rewards: ≈ $900 Card fee: $156	Best overall card in Canada
	RBC^® British Airways Visa Infinite^‡ Card: $60k minimum income requiredMinimum personal income of $60,000 or minimum household income of $100,000 Bonus: spend $6k in 3 mos.	≈ $675Flytrippers Valuation Welcome bonus (upon approval): 15,000 pts (≈ $225) Welcome bonus (after min. spend): 35,000 pts (≈ $525) Earn on min. spend: 6,000 pts (≈ $90) Card fee: deducted (-$165) Rewards: ≈ $840 Card fee: $165	Great airline rewards for big spenders	limited time
6% rate	Scotiabank Gold American Express^® Card Card: $0 minimum income requiredNo minimum income required. Bonus: spend $7.5k in 1y (or $1k)	$655Flytrippers Valuation Welcome bonus (after $1k in 3 mos.): 20,000 pts ($200) Welcome bonus (after another $6.5k in 1y): 20,000 pts ($200) Earn on min. spend (1k$): 5,000 pts ($50) Earn on min. spend ($6.5k): 32,500 pts ($325) Card fee: deducted (-$120) Rewards: $775 Card fee: $120	Very good travel insurance and earn rate	ends October 31st
	American Express^® Aeroplan^®* Card Card: $0 minimum income requiredNo minimum income required. Bonus: spend $1k/mo for 10 mos.	≈ $510Flytrippers Valuation Monthly bonuses (6 mos.): 30,000 pts (≈ $450) Earn on min. spend: 10,000 pts (≈ $150) Card fee (year 1): deducted (-$120) Renewal bonus: 10,000 pts (≈ $150) Card fee (year 2): deducted (-$120) Rewards: ≈ $630 Card fee: $120	Valuable Aeroplan pts without min. income and lower min. spend
	Marriott Bonvoy^™ American Express^® Card Card: $0 minimum income requiredNo minimum income required. Bonus: spend $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
NEW	TD Cash Back Visa Infinite* Card Card: $60k minimum income requiredMinimum personal income of $60,000 or minimum household income of $100,000 Bonus: spend $3.5k in 3 mos.	$350Flytrippers Valuation Welcome bonus (10% earn rate on 3 categories): cash back ($350) Card fee: 1st year free (-$0) Rewards: $350 Card fee: $0 $139	Highest ever cash back bonus ever seen in Canada	ends March 4th
	American Express^® Aeroplan^®* Reserve Card Card: $0 minimum income requiredNo minimum income required. Bonus: spend $2k/mo for 6 mos.	≈ $301Flytrippers Valuation Monthly bonuses (6 mos.): 45,000 pts (≈ $675) Earn on min. spend: 15,000 pts (≈ $225) Card fee: deducted (-$599) Renewal bonus also offered (not included in Flytrippers Valuation) Bonuses for adding additional cards also offered (not included in Flytrippers Valuation) Rewards: ≈ $900 Card fee: $599	For Air Canada lounge access & other AC benefits
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 (September 2023)
NEW TD First Class Travel^® Visa Infinite^* Card
Card: $60k minimum income requiredMinimum personal income of $60,000 or minimum household income of $100,000
Bonus: spend $5k in 6 mos.
WELCOME BONUS	ends January 3rd
$725Flytrippers Valuation Welcome bonus (after 1st purchase): 20,000 pts ($100) Welcome bonus (after min. spend): 95,000 pts ($475) Earn on min. spend: 30,000 pts ($150) Card fee: 1st year free (-$0) Also offered but not included in Valuation Birthday Bonus: 10% of points earned up to 10,000 pts ($50) Also offered but not included in Valuation Travel credit: On 1st $500 booking ($100)
Rewards: $725
Card fee: $0 $139
Best for: Highest offer for simple points and 1st year free
NEW RBC Avion Visa Infinite Card
Card: $60k minimum income requiredMinimum personal income of $60,000 or minimum household income of $100,000
Bonus: spend $5k in 6 mos.
WELCOME BONUS	ends November 27th
≈ $780Flytrippers Valuation Welcome bonus (after 1st 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
Best for: Versatile rewards valuable or simple great beginner's card
NEW TD^® Aeroplan^® Visa Infinite* Card
Card: $60k minimum income requiredMinimum personal income of $60,000 or minimum household income of $100,000
Bonus: spend $7.5k in 12 mos.
WELCOME BONUS	ends January 3rd
≈ $780Flytrippers Valuation Welcome bonus (after 1st purchase): 10,000 pts (≈ $150) Welcome bonus (after $5k min. spend): 25,000 pts (≈ $375) Earn on $5k min. spend: 7,500 pts (≈ $113) Anniversary bonus (after another $2.5k in spend): 15,000 pts (≈ $225) Earn on another $2.5k in spend: 3,750 pts (≈ $56) Card fee (year 1): first year free(-$0) Card fee (year 2): deducted (-$139) Also offered but not included in Valuation Credit: for NEXUS ($100)
Rewards: ≈ $780
Card fee: $0 $139
Best for: Valuable Aeroplan pts and travel benefits $5k spend option also available
NEW Platinum Card^® from American Express
Card: $0 minimum income requiredNo minimum income required.
Bonus: spend $10k in 3 mos.
WELCOME BONUS
≈ $801Flytrippers Valuation Welcome bonus: 70,000 pts (≈ $1050) Earn on min. spend: 10,000 pts (≈ $150) Annual travel credit: can be cashed out ($200) Dining credit (2023): $200 total conservatively-valued (≈ $100) Dining credit (2024): $200 total conservatively-valued (≈ $100) Card fee: deducted (-$799) Also offered but not included in Valuation: renewal bonus of 30,000 pts (≈ $450) Also offered but not included in Valuation: NEXUS credit ($100)
Rewards: ≈ $1600
Card fee: $799
Best for: Unlimited access to airport lounges and flexible rewards
American Express^® Gold Rewards Card
Card: $0 minimum income requiredNo minimum income required.
Bonus: spend $1k/mo for 12 mos.
WELCOME 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)
Rewards: ≈ $1180
Card fee: $250
Best for: Valuable rewards and 4 airport lounge passes
Best American Express Cobalt^® Card
Card: $0 minimum income requiredNo minimum income required.
Bonus: spend $500/mo for 12 mos.
WELCOME BONUS
≈ $744Flytrippers Valuation Welcome bonus: 30,000 pts (≈ $450) Earn on min. spend: 30,000 pts (≈ $450) Card fee: deducted (-$156)
Rewards: ≈ $900
Card fee: $156
Best for: Best overall card in Canada
RBC^® British Airways Visa Infinite^‡
Card: $60k minimum income requiredMinimum personal income of $60,000 or minimum household income of $100,000
Bonus: spend $6k in 3 mos.
WELCOME BONUS	limited time
≈ $675Flytrippers Valuation Welcome bonus (upon approval): 15,000 pts (≈ $225) Welcome bonus (after min. spend): 35,000 pts (≈ $525) Earn on min. spend: 6,000 pts (≈ $90) Card fee: deducted (-$165)
Rewards: ≈ $840
Card fee: $165
Best for: Great airline rewards for big spenders
6% rate Scotiabank Gold American Express^® Card
Card: $0 minimum income requiredNo minimum income required.
Bonus: spend $7.5k in 1y (or $1k)
WELCOME BONUS	ends October 31st
$655Flytrippers Valuation Welcome bonus (after $1k in 3 mos.): 20,000 pts ($200) Welcome bonus (after another $6.5k in 1y): 20,000 pts ($200) Earn on min. spend (1k$): 5,000 pts ($50) Earn on min. spend ($6.5k): 32,500 pts ($325) Card fee: deducted (-$120)
Rewards: $775
Card fee: $120
Best for: Very good travel insurance and earn rate
American Express^® Aeroplan^®* Card
Card: $0 minimum income requiredNo minimum income required.
Bonus: spend $1k/mo for 10 mos.
WELCOME BONUS
≈ $510Flytrippers Valuation Monthly bonuses (6 mos.): 30,000 pts (≈ $450) Earn on min. spend: 10,000 pts (≈ $150) Card fee (year 1): deducted (-$120) Renewal bonus: 10,000 pts (≈ $150) Card fee (year 2): deducted (-$120)
Rewards: ≈ $630
Card fee: $120
Best for: Valuable Aeroplan pts without min. income and lower min. spend
Marriott Bonvoy^™ American Express^® Card
Card: $0 minimum income requiredNo minimum income required.
Bonus: spend $1.5k in 3 mos.
WELCOME BONUS
≈ $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
Best for: Very lucrative hotel points for specific hotels
NEW TD Cash Back Visa Infinite* Card
Card: $60k minimum income requiredMinimum personal income of $60,000 or minimum household income of $100,000
Bonus: spend $3.5k in 3 mos.
WELCOME BONUS	ends March 4th
$350Flytrippers Valuation Welcome bonus (10% earn rate on 3 categories): cash back ($350) Card fee: 1st year free (-$0)
Rewards: $350
Card fee: $0 $139
Best for: Highest ever cash back bonus ever seen in Canada
American Express^® Aeroplan^®* Reserve Card
Card: $0 minimum income requiredNo minimum income required.
Bonus: spend $2k/mo for 6 mos.
WELCOME BONUS
≈ $301Flytrippers Valuation Monthly bonuses (6 mos.): 45,000 pts (≈ $675) Earn on min. spend: 15,000 pts (≈ $225) Card fee: deducted (-$599) Renewal bonus also offered (not included in Flytrippers Valuation) Bonuses for adding additional cards also offered (not included in Flytrippers Valuation)
Rewards: ≈ $900
Card fee: $599
Best for: For Air Canada lounge access & other AC benefits
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 easy fixed-value travel credits

Best credit cards in Canada for Aeroplan points

Best credit cards in Canada for Avios points

Best credit cards in Canada for Marriott Bonvoy points

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

Get all our pro tips on how to earn more travel rewards with our newsletter

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).

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Best credit cards for groceries		WELCOME BONUS ( VALUATION)	Earn rate on groceries
Best	American Express Cobalt^® Card Card: $0 minimum income requiredNo minimum income required. Bonus: spend $500/mo for 12 mos.	≈ $744Flytrippers Valuation Welcome bonus: 30,000 pts (≈ $450) Earn on min. spend: 30,000 pts (≈ $450) Card fee: deducted (-$156) Rewards: ≈ $900 Card fee: $156	≈ 7.5% as Aeroplan/Avios pts $2.5k monthly cap
Best	American Express Cobalt^® Card Card: $0 minimum income requiredNo minimum income required. Bonus: spend $500/mo for 12 mos.	$444∗Flytrippers Valuation (*as a fixed-value credit; ≈ $744 actual Valuation) Welcome bonus: 30,000 pts ($300) Earn on min. spend: 30,000 pts ($300) Card fee: deducted (-$156) Rewards: $600 Card fee: $156	5% as cash back $2.5k monthly cap
	Scotiabank Gold American Express^® Card Card: $0 minimum income requiredNo minimum income required. Bonus: spend $7.5k in 1y (or $1k)	$655Flytrippers Valuation Welcome bonus (after $1k in 3 mos.): 20,000 pts ($200) Welcome bonus (after another $6.5k in 1y): 20,000 pts ($200) Earn on min. spend (1k$): 5,000 pts ($50) Earn on min. spend ($6.5k): 32,500 pts ($325) Card fee: deducted (-$120) Rewards: $775 Card fee: $120	6% (Sobeys brands) in simple credit $50k annual cap	ends October 31st
	Scotiabank Gold American Express^® Card Card: $0 minimum income requiredNo minimum income required. Bonus: spend $7.5k in 1y (or $1k)	$655Flytrippers Valuation Welcome bonus (after $1k in 3 mos.): 20,000 pts ($200) Welcome bonus (after another $6.5k in 1y): 20,000 pts ($200) Earn on min. spend (1k$): 5,000 pts ($50) Earn on min. spend ($6.5k): 32,500 pts ($325) Card fee: deducted (-$120) Rewards: $775 Card fee: $120	5% in simple credit $50k annual cap	ends October 31st
	MBNA Rewards World Elite^® Mastercard^® Card: $80k minimum income requiredMinimum personal income of $80,000 or minimum household income of $150,000 Bonus: spend $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^®* Card: $80k minimum income requiredMinimum personal income of $80,000 or minimum household income of $150,000 Bonus: spend $2k in 3 mos.	$200Flytrippers Valuation Welcome bonus: cashback ($200) Card fee: 1st year free (-$0) Official BMO Offer Get up to 10% cash back in your first 3 months and the $120 annual fee waived in the first year* Rewards: $200 Card fee: $0 $120	5% as cash back $500 monthly cap
	SimplyCash^® Preferred Card from American Express Card: $0 minimum income requiredNo minimum income required. Bonus: spend $3k in 4 mos.	$160Flytrippers Valuation Welcome bonus (monthly, for 4 mos.): statement credits ($160) Earn on min. spend (multiplier rate): cashback ($120) Card fee: deducted (-$120) Also offered but not included in Valuation: monthly bonus ($40) per month in which you spend $750 for another 6 months Rewards: $280 Card fee: $120	4% as cash back $30k annual cap
	Scotia Momentum^® Visa Infinite* Card Card: $60k minimum income requiredMinimum personal income of $60,000 or minimum household income of $100,000 Bonus: spend $2k in 3 mos.	$200Flytrippers Valuation Welcome bonus: cashback ($200) Card fee: 1st year free (-$0) Rewards: $200 Card fee: $0 $120	4% as cash back $25k annual cap	ends October 31st
	CIBC Dividend^® Visa Infinite* Card Card: $60k minimum income requiredMinimum personal income of $60,000 or minimum household income of $100,000 Bonus: spend $2k in 4 mos.	$0Flytrippers Valuation Welcome bonus: none ($0) Card fee: first-year annual fee rebate Rewards: $0 Card fee: showFee: $120 (first year annual fee rebated)† 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)	4% as cash back $20k annual cap
	BMO eclipse Visa Infinite* Card Card: $60k minimum income requiredMinimum personal income of $60,000 or minimum household income of $100,000 Bonus: spend $3k in 3 mos.	$360Flytrippers Valuation Welcome bonus: 30,000 pts ($200) Earn on min. spend: 9,000 pts ($60) Lifestyle credits: two in 1st 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
NEW	TD First Class Travel^® Visa Infinite^* Card Card: $60k minimum income requiredMinimum personal income of $60,000 or minimum household income of $100,000 Bonus: spend $5k in 6 mos.	$725Flytrippers Valuation Welcome bonus (after 1st purchase): 20,000 pts ($100) Welcome bonus (after min. spend): 95,000 pts ($475) Earn on min. spend: 30,000 pts ($150) Card fee: 1st year free (-$0) Also offered but not included in Valuation Birthday Bonus: 10% of points earned up to 10,000 pts ($50) Also offered but not included in Valuation Travel credit: On 1st $500 booking ($100) Rewards: $725 Card fee: $0 $139	3% as simple points $25k annual cap	ends January 3rd
NEW	TD Cash Back Visa Infinite* Card Card: $60k minimum income requiredMinimum personal income of $60,000 or minimum household income of $100,000 Bonus: spend $3.5k in 3 mos.	$350Flytrippers Valuation Welcome bonus (10% earn rate on 3 categories): cash back ($350) Card fee: 1st year free (-$0) Rewards: $350 Card fee: $0 $139	3% as cash back $15k annual cap	ends March 4th
	Tangerine World Mastercard^® Card: $60k minimum income requiredMinimum personal income of $60,000 or minimum household income of $100,000 Bonus: spend $1k in 2 mos.	$120Flytrippers Valuation Welcome bonus: 10% cashback ($100) Earn on min. spend: 2% in 3 categories ($20) Card fee: no annual fee (-$0) Rewards: $120 Card fee: $0	2% as cash back no cap	ends October 31st
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
Best American Express Cobalt^® Card
Card: $0 minimum income requiredNo minimum income required.
Bonus: spend $500/mo for 12 mos.
WELCOME BONUS
≈ $744Flytrippers Valuation Welcome bonus: 30,000 pts (≈ $450) Earn on min. spend: 30,000 pts (≈ $450) Card fee: deducted (-$156)
Rewards: ≈ $900
Card fee: $156
Earn rate on groceries: ≈ 7.5% as Aeroplan/Avios pts $2.5k monthly cap
Best American Express Cobalt^® Card
Card: $0 minimum income requiredNo minimum income required.
Bonus: spend $500/mo for 12 mos.
WELCOME BONUS
$444∗Flytrippers Valuation (*as a fixed-value credit; ≈ $744 actual Valuation) Welcome bonus: 30,000 pts ($300) Earn on min. spend: 30,000 pts ($300) Card fee: deducted (-$156)
Rewards: $600
Card fee: $156
Earn rate on groceries: 5% as cash back $2.5k monthly cap
Scotiabank Gold American Express^® Card
Card: $0 minimum income requiredNo minimum income required.
Bonus: spend $7.5k in 1y (or $1k)
WELCOME BONUS	ends October 31st
$655Flytrippers Valuation Welcome bonus (after $1k in 3 mos.): 20,000 pts ($200) Welcome bonus (after another $6.5k in 1y): 20,000 pts ($200) Earn on min. spend (1k$): 5,000 pts ($50) Earn on min. spend ($6.5k): 32,500 pts ($325) Card fee: deducted (-$120)
Rewards: $775
Card fee: $120
Earn rate on groceries: 6% (Sobeys brands) in simple credit $50k annual cap
Scotiabank Gold American Express^® Card
Card: $0 minimum income requiredNo minimum income required.
Bonus: spend $7.5k in 1y (or $1k)
WELCOME BONUS	ends October 31st
$655Flytrippers Valuation Welcome bonus (after $1k in 3 mos.): 20,000 pts ($200) Welcome bonus (after another $6.5k in 1y): 20,000 pts ($200) Earn on min. spend (1k$): 5,000 pts ($50) Earn on min. spend ($6.5k): 32,500 pts ($325) Card fee: deducted (-$120)
Rewards: $775
Card fee: $120
Earn rate on groceries: 5% in simple credit $50k annual cap
MBNA Rewards World Elite^® Mastercard^®
Card: $80k minimum income requiredMinimum personal income of $80,000 or minimum household income of $150,000
Bonus: spend $2k in 3 mos. (see QC offer)
WELCOME 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)
Rewards: $400
Card fee: $120
Earn rate on groceries: 5% as simple points $50k annual cap*
BMO CashBack^® World Elite^®* MasterCard^®*
Card: $80k minimum income requiredMinimum personal income of $80,000 or minimum household income of $150,000
Bonus: spend $2k in 3 mos.
WELCOME BONUS
$200Flytrippers Valuation Welcome bonus: cashback ($200) Card fee: 1st year free (-$0) Official BMO Offer Get up to 10% cash back in your first 3 months and the $120 annual fee waived in the first year*
Rewards: $200
Card fee: $0 $120
Earn rate on groceries: 5% as cash back $500 monthly cap
SimplyCash^® Preferred Card from American Express
Card: $0 minimum income requiredNo minimum income required.
Bonus: spend $3k in 4 mos.
WELCOME BONUS
$160Flytrippers Valuation Welcome bonus (monthly, for 4 mos.): statement credits ($160) Earn on min. spend (multiplier rate): cashback ($120) Card fee: deducted (-$120) Also offered but not included in Valuation: monthly bonus ($40) per month in which you spend $750 for another 6 months
Rewards: $280
Card fee: $120
Earn rate on groceries: 4% as cash back $30k annual cap
Scotia Momentum^® Visa Infinite* Card
Card: $60k minimum income requiredMinimum personal income of $60,000 or minimum household income of $100,000
Bonus: spend $2k in 3 mos.
WELCOME BONUS	ends October 31st
$200Flytrippers Valuation Welcome bonus: cashback ($200) Card fee: 1st year free (-$0)
Rewards: $200
Card fee: $0 $120
Earn rate on groceries: 4% as cash back $25k annual cap
CIBC Dividend^® Visa Infinite* Card
Card: $60k minimum income requiredMinimum personal income of $60,000 or minimum household income of $100,000
Bonus: spend $2k in 4 mos.
WELCOME BONUS
$0Flytrippers Valuation Welcome bonus: none ($0) Card fee: first-year annual fee rebate
Rewards: $0
Card fee: showFee: $120 (first year annual fee rebated)† 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)
Earn rate on groceries: 4% as cash back $20k annual cap
BMO eclipse Visa Infinite* Card
Card: $60k minimum income requiredMinimum personal income of $60,000 or minimum household income of $100,000
Bonus: spend $3k in 3 mos.
WELCOME BONUS
$360Flytrippers Valuation Welcome bonus: 30,000 pts ($200) Earn on min. spend: 9,000 pts ($60) Lifestyle credits: two in 1st year ($100) Card fee: first year free (-$0) Additional monthly spend bonus also offered
Rewards: $360
Card fee: $0 $120
Earn rate on groceries: 3.33% in simple credit $50k annual cap
NEW TD First Class Travel^® Visa Infinite^* Card
Card: $60k minimum income requiredMinimum personal income of $60,000 or minimum household income of $100,000
Bonus: spend $5k in 6 mos.
WELCOME BONUS	ends January 3rd
$725Flytrippers Valuation Welcome bonus (after 1st purchase): 20,000 pts ($100) Welcome bonus (after min. spend): 95,000 pts ($475) Earn on min. spend: 30,000 pts ($150) Card fee: 1st year free (-$0) Also offered but not included in Valuation Birthday Bonus: 10% of points earned up to 10,000 pts ($50) Also offered but not included in Valuation Travel credit: On 1st $500 booking ($100)
Rewards: $725
Card fee: $0 $139
Earn rate on groceries: 3% as simple points $25k annual cap
NEW TD Cash Back Visa Infinite* Card
Card: $60k minimum income requiredMinimum personal income of $60,000 or minimum household income of $100,000
Bonus: spend $3.5k in 3 mos.
WELCOME BONUS	ends March 4th
$350Flytrippers Valuation Welcome bonus (10% earn rate on 3 categories): cash back ($350) Card fee: 1st year free (-$0)
Rewards: $350
Card fee: $0 $139
Earn rate on groceries: 3% as cash back $15k annual cap
Tangerine World Mastercard^®
Card: $60k minimum income requiredMinimum personal income of $60,000 or minimum household income of $100,000
Bonus: spend $1k in 2 mos.
WELCOME BONUS	ends October 31st
$120Flytrippers Valuation Welcome bonus: 10% cashback ($100) Earn on min. spend: 2% in 3 categories ($20) Card fee: no annual fee (-$0)
Rewards: $120
Card fee: $0
Earn rate on groceries: 2% as cash back no cap
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 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.

includeme file="/www/flytripperscom_390/public/php/tables/best-airport-lounge-cc.php"]

Best credit cards for airport lounge access		WELCOME BONUS ( VALUATION)	Lounge passes
Best	Platinum Card^® from American Express Card: $0 minimum income requiredNo minimum income required. Bonus: spend $10k in 3 mos.	≈ $801Flytrippers Valuation Welcome bonus: 70,000 pts (≈ $1050) Earn on min. spend: 10,000 pts (≈ $150) Annual travel credit: can be cashed out ($200) Dining credit (2023): $200 total conservatively-valued (≈ $100) Dining credit (2024): $200 total conservatively-valued (≈ $100) Card fee: deducted (-$799) Also offered but not included in Valuation: renewal bonus of 30,000 pts (≈ $450) Also offered but not included in Valuation: NEXUS credit ($100) Rewards: ≈ $1600 Card fee: $799	Unlimited + 1 guest worldwide Priority Pass + more
	American Express^® Aeroplan^®* Reserve Card Card: $0 minimum income requiredNo minimum income required. Bonus: spend $2k/mo for 6 mos.	≈ $301Flytrippers Valuation Monthly bonuses (6 mos.): 45,000 pts (≈ $675) Earn on min. spend: 15,000 pts (≈ $225) Card fee: deducted (-$599) Renewal bonus also offered (not included in Flytrippers Valuation) Bonuses for adding additional cards also offered (not included in Flytrippers Valuation) Rewards: ≈ $900 Card fee: $599	Unlimited + 1 guest in North America Air Canada Lounges (on *A)
NEW	TD^® Aeroplan^® Visa* Infinite Privilege* Card Card: $150k minimum income requiredMinimum personal income of $150,000 or minimum household income of $200,000 Bonus: spend $12k in 12 mos.	≈ $550Flytrippers Valuation Welcome bonus (after 1st purchase): 20,000 pts (≈ $300) Welcome bonus (after $7.5k min. spend): 50,000 pts (≈ $750) Earn on 7.5k min. spend: 10,313 pts (≈ $155) Anniversary bonus (after another $4.5k in spend): 30,000 pts (≈ $450) Earn on another 4.5k in spend: 6,188 pts (≈ $93) Card fee (year 1): deducted (-$599) Card fee (year 2): deducted (-$599) Also offered but not included in Valuation Credit: for NEXUS ($100) Rewards: ≈ $1149 Card fee: $599	Unlimited + 1 guest in North America AC Lounges* + 6 DragonPass	ends January 3rd
	Scotiabank Platinum American Express^® Card Card: $0 minimum income requiredNo minimum income required. Bonus: spend $3k in 3 mos.	$161Flytrippers Valuation Welcome bonus: 50,000 pts ($500) Earn on min. spend: 6,000 pts ($60) Card fee: deducted (-$399) Additional bonus also offered (not included in Flytrippers Valuation) 10,000 pts ($100) if you spend another $7,000 in 14 months Rewards: $560 Card fee: $399	10 passes worldwide Priority Pass & Plaza Premium	ends October 31st
	CIBC Aventura^® Gold Visa* Card Card: $15k minimum income requiredMinimum personal income of $15,000 or minimum household income of $15,000 Bonus: spend $3k in 4 mos.	$485Flytrippers Valuation Welcome bonus (after 1 purchase): 15,000 pts (≈ $188) Welcome bonus (after min. spend): 20,000 pts (≈ $250) Earn on min. spend: 3,750 pts (≈ $47) Card fee: first year annual fee rebate Also offered but not included in Valuation: NEXUS credit (US$50) Rewards: $485 Card fee: showFee: $139 (first year annual fee rebated)† 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)	4 passes worldwide DragonPass
	CIBC Aventura^® Visa Infinite* Card Card: $60k minimum income requiredMinimum personal income of $60,000 or minimum household income of $100,000 Bonus: spend $3k in 4 mos.	$485Flytrippers Valuation Welcome bonus (after 1 purchase): 15,000 pts (≈ $188) Welcome bonus (after min. spend): 20,000 pts (≈ $250) Earn on min. spend: 3,750 pts (≈ $47) Card fee: first year annual fee rebate Also offered but not included in Valuation: NEXUS credit (US$50) Rewards: $485 Card fee: showFee: $139 (first year annual fee rebated)† 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)	4 passes worldwide DragonPass
	American Express^® Gold Rewards Card Card: $0 minimum income requiredNo minimum income required. Bonus: spend $1k/mo for 12 mos.	≈ $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
	BMO Ascend^™ World Elite^®* MasterCard^®* Card: $80k minimum income requiredMinimum personal income of $80,000 or minimum household income of $150,000 Bonus: spend $3k in 3 mos.	$240Flytrippers Valuation Welcome bonus: 30,000 pts ($200) Earn on min. spend: 6,000 pts ($40) Card fee: first year free (-$0) Additional monthly spend bonus also offered Rewards: $240 Card fee: $0 $150	4 passes worldwide DragonPass
	Scotiabank Passport^® Visa Infinite^* Card Card: $60k minimum income requiredMinimum personal income of $60,000 or minimum household income of $100,000 Bonus: spend $1k in 3 mos.	$120Flytrippers Valuation Welcome bonus: 25,000 pts ($250) Earn on min. spend: 2,000 pts ($20) Card fee: deducted (-$150) Also offered but not included in Valuation: additional spend bonus Rewards: $270 Card fee: $150	6 passes worldwide DragonPass	ends October 31st
	BMO eclipse Visa Infinite Privilege* Card Card: $150k minimum income requiredMinimum personal income of $150,000 or minimum household income of $200,000 Bonus: spend $6k in 3 mos.	$354Flytrippers Valuation Welcome bonus: 50,000 pts ($333) Earn on min. spend: 18,000 pts ($120) Lifestyle credits: two in 1st year ($400) Card fee: deducted (-$499) Additional annual spend bonus also offered Rewards: $853 Card fee: $499	6 passes worldwide DragonPass
NEW	Business Platinum Card^® from American Express Card: no business required Bonus: spend $15k in 3 mos.	≈ $1002Flytrippers Valuation Welcome bonus: 80,000 pts (≈ $1200) Earn on min. spend: 18,750 pts (≈ $281) Annual travel credit: can be cashed out ($200) Wireless credit: $10 per month ($120) Card fee: deducted (-$799) Also offered but not included in Valuation: renewal bonus of 40,000 pts (≈ $600) Also offered but not included in Valuation: NEXUS credit ($100) Rewards: ≈ $1801 Card fee: $799	Unlimited + 1 guest worldwide Priority Pass + more
	American Express^® Aeroplan^®* Business Reserve Card Card: no business required Bonus: spend $3k/mo for 6 mos.	≈ $414Flytrippers Valuation Monthly bonuses (6 mos.): 45,000 pts (≈ $675) Earn on min. spend: 22,500 pts (≈ $338) Card fee: deducted (-$599) Renewal bonus also offered (not included in Flytrippers Valuation) Bonuses for adding additional cards also offered (not included in Flytrippers Valuation) Rewards: ≈ $1013 Card fee: $599	Unlimited + 1 guest in North America Air Canada Lounges (on *A)
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 airport lounge access
Best Platinum Card^® from American Express
Card: $0 minimum income requiredNo minimum income required.
Bonus: spend $10k in 3 mos.
WELCOME BONUS
≈ $801Flytrippers Valuation Welcome bonus: 70,000 pts (≈ $1050) Earn on min. spend: 10,000 pts (≈ $150) Annual travel credit: can be cashed out ($200) Dining credit (2023): $200 total conservatively-valued (≈ $100) Dining credit (2024): $200 total conservatively-valued (≈ $100) Card fee: deducted (-$799) Also offered but not included in Valuation: renewal bonus of 30,000 pts (≈ $450) Also offered but not included in Valuation: NEXUS credit ($100)
Rewards: ≈ $1600
Card fee: $799
Lounge passes: Unlimited + 1 guest worldwide Priority Pass + more
American Express^® Aeroplan^®* Reserve Card
Card: $0 minimum income requiredNo minimum income required.
Bonus: spend $2k/mo for 6 mos.
WELCOME BONUS
≈ $301Flytrippers Valuation Monthly bonuses (6 mos.): 45,000 pts (≈ $675) Earn on min. spend: 15,000 pts (≈ $225) Card fee: deducted (-$599) Renewal bonus also offered (not included in Flytrippers Valuation) Bonuses for adding additional cards also offered (not included in Flytrippers Valuation)
Rewards: ≈ $900
Card fee: $599
Lounge passes: Unlimited + 1 guest in North America Air Canada Lounges (on *A)
NEW TD^® Aeroplan^® Visa* Infinite Privilege* Card
Card: $150k minimum income requiredMinimum personal income of $150,000 or minimum household income of $200,000
Bonus: spend $12k in 12 mos.
WELCOME BONUS	ends January 3rd
≈ $550Flytrippers Valuation Welcome bonus (after 1st purchase): 20,000 pts (≈ $300) Welcome bonus (after $7.5k min. spend): 50,000 pts (≈ $750) Earn on 7.5k min. spend: 10,313 pts (≈ $155) Anniversary bonus (after another $4.5k in spend): 30,000 pts (≈ $450) Earn on another 4.5k in spend: 6,188 pts (≈ $93) Card fee (year 1): deducted (-$599) Card fee (year 2): deducted (-$599) Also offered but not included in Valuation Credit: for NEXUS ($100)
Rewards: ≈ $1149
Card fee: $599
Lounge passes: Unlimited + 1 guest in North America AC Lounges* + 6 DragonPass
Scotiabank Platinum American Express^® Card
Card: $0 minimum income requiredNo minimum income required.
Bonus: spend $3k in 3 mos.
WELCOME BONUS	ends October 31st
$161Flytrippers Valuation Welcome bonus: 50,000 pts ($500) Earn on min. spend: 6,000 pts ($60) Card fee: deducted (-$399) Additional bonus also offered (not included in Flytrippers Valuation) 10,000 pts ($100) if you spend another $7,000 in 14 months
Rewards: $560
Card fee: $399
Lounge passes: 10 passes worldwide Priority Pass & Plaza Premium
CIBC Aventura^® Gold Visa* Card
Card: $15k minimum income requiredMinimum personal income of $15,000 or minimum household income of $15,000
Bonus: spend $3k in 4 mos.
WELCOME BONUS
$485Flytrippers Valuation Welcome bonus (after 1 purchase): 15,000 pts (≈ $188) Welcome bonus (after min. spend): 20,000 pts (≈ $250) Earn on min. spend: 3,750 pts (≈ $47) Card fee: first year annual fee rebate Also offered but not included in Valuation: NEXUS credit (US$50)
Rewards: $485
Card fee: showFee: $139 (first year annual fee rebated)† 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)
Lounge passes: 4 passes worldwide DragonPass
CIBC Aventura^® Visa Infinite* Card
Card: $60k minimum income requiredMinimum personal income of $60,000 or minimum household income of $100,000
Bonus: spend $3k in 4 mos.
WELCOME BONUS
$485Flytrippers Valuation Welcome bonus (after 1 purchase): 15,000 pts (≈ $188) Welcome bonus (after min. spend): 20,000 pts (≈ $250) Earn on min. spend: 3,750 pts (≈ $47) Card fee: first year annual fee rebate Also offered but not included in Valuation: NEXUS credit (US$50)
Rewards: $485
Card fee: showFee: $139 (first year annual fee rebated)† 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)
Lounge passes: 4 passes worldwide DragonPass
American Express^® Gold Rewards Card
Card: $0 minimum income requiredNo minimum income required.
Bonus: spend $1k/mo for 12 mos.
WELCOME 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)
Rewards: ≈ $1180
Card fee: $250
Lounge passes: 4 passes in Canada Plaza Premium only
BMO Ascend^™ World Elite^®* MasterCard^®*
Card: $80k minimum income requiredMinimum personal income of $80,000 or minimum household income of $150,000
Bonus: spend $3k in 3 mos.
WELCOME BONUS
$240Flytrippers Valuation Welcome bonus: 30,000 pts ($200) Earn on min. spend: 6,000 pts ($40) Card fee: first year free (-$0) Additional monthly spend bonus also offered
Rewards: $240
Card fee: $0 $150
Lounge passes: 4 passes worldwide DragonPass
Scotiabank Passport^® Visa Infinite^* Card
Card: $60k minimum income requiredMinimum personal income of $60,000 or minimum household income of $100,000
Bonus: spend $1k in 3 mos.
WELCOME BONUS	ends October 31st
$120Flytrippers Valuation Welcome bonus: 25,000 pts ($250) Earn on min. spend: 2,000 pts ($20) Card fee: deducted (-$150) Also offered but not included in Valuation: additional spend bonus
Rewards: $270
Card fee: $150
Lounge passes: 6 passes worldwide DragonPass
BMO eclipse Visa Infinite Privilege* Card
Card: $150k minimum income requiredMinimum personal income of $150,000 or minimum household income of $200,000
Bonus: spend $6k in 3 mos.
WELCOME BONUS
$354Flytrippers Valuation Welcome bonus: 50,000 pts ($333) Earn on min. spend: 18,000 pts ($120) Lifestyle credits: two in 1st year ($400) Card fee: deducted (-$499) Additional annual spend bonus also offered
Rewards: $853
Card fee: $499
Lounge passes: 6 passes worldwide DragonPass
NEW Business Platinum Card^® from American Express
Card: no business required
Bonus: spend $15k in 3 mos.
WELCOME BONUS
≈ $1002Flytrippers Valuation Welcome bonus: 80,000 pts (≈ $1200) Earn on min. spend: 18,750 pts (≈ $281) Annual travel credit: can be cashed out ($200) Wireless credit: $10 per month ($120) Card fee: deducted (-$799) Also offered but not included in Valuation: renewal bonus of 40,000 pts (≈ $600) Also offered but not included in Valuation: NEXUS credit ($100)
Rewards: ≈ $1801
Card fee: $799
Lounge passes: Unlimited + 1 guest worldwide Priority Pass + more
American Express^® Aeroplan^®* Business Reserve Card
Card: no business required
Bonus: spend $3k/mo for 6 mos.
WELCOME BONUS
≈ $414Flytrippers Valuation Monthly bonuses (6 mos.): 45,000 pts (≈ $675) Earn on min. spend: 22,500 pts (≈ $338) Card fee: deducted (-$599) Renewal bonus also offered (not included in Flytrippers Valuation) Bonuses for adding additional cards also offered (not included in Flytrippers Valuation)
Rewards: ≈ $1013
Card fee: $599
Lounge passes: Unlimited + 1 guest in North America Air Canada Lounges (on *A)
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 easy fixed-value travel credits

While variable-value rewards are the best to maximize the value you get, some prefer easy fixed-value travel credits that can be applied to any travel expense for a lot more flexibility (and are okay with sacrificing value for that). These are the best current offers for easy “eraser”-type points.

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

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Best credit cards for easy travel credits		WELCOME BONUS ( VALUATION)	Best for
	Scotiabank Gold American Express^® Card Card: $0 minimum income requiredNo minimum income required. Bonus: spend $7.5k in 1y (or $1k)	$655Flytrippers Valuation Welcome bonus (after $1k in 3 mos.): 20,000 pts ($200) Welcome bonus (after another $6.5k in 1y): 20,000 pts ($200) Earn on min. spend (1k$): 5,000 pts ($50) Earn on min. spend ($6.5k): 32,500 pts ($325) Card fee: deducted (-$120) Rewards: $775 Card fee: $120	Very good travel insurance and earn rate	ends October 31st
	CIBC Aventura^® Visa Infinite* Card Card: $60k minimum income requiredMinimum personal income of $60,000 or minimum household income of $100,000 Bonus: spend $3k in 4 mos.	$485Flytrippers Valuation Welcome bonus (after 1 purchase): 15,000 pts (≈ $188) Welcome bonus (after min. spend): 20,000 pts (≈ $250) Earn on min. spend: 3,750 pts (≈ $47) Card fee: first year annual fee rebate Also offered but not included in Valuation: NEXUS credit (US$50) Rewards: $485 Card fee: showFee: $139 (first year annual fee rebated)† 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 rewards and 4 airport lounge passes
	CIBC Aventura^® Gold Visa* Card Card: $15k minimum income requiredMinimum personal income of $15,000 or minimum household income of $15,000 Bonus: spend $3k in 4 mos.	$485Flytrippers Valuation Welcome bonus (after 1 purchase): 15,000 pts (≈ $188) Welcome bonus (after min. spend): 20,000 pts (≈ $250) Earn on min. spend: 3,750 pts (≈ $47) Card fee: first year annual fee rebate Also offered but not included in Valuation: NEXUS credit (US$50) Rewards: $485 Card fee: showFee: $139 (first year annual fee rebated)† 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 rewards and 4 airport lounge passes
NEW	RBC Avion Visa Infinite Card Card: $60k minimum income requiredMinimum personal income of $60,000 or minimum household income of $100,000 Bonus: spend $5k in 6 mos.	≈ $480∗Flytrippers Valuation (*as a fixed-value credit; ≈ $780 actual Valuation) Welcome bonus (after 1st 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: ≈ $600 Card fee: $120	Non-Amex with flexible rewards	ends November 27th
	American Express Cobalt^® Card Card: $0 minimum income requiredNo minimum income required. Bonus: spend $500/mo for 12 mos.	$444∗Flytrippers Valuation (*as a fixed-value credit; ≈ $744 actual Valuation) Welcome bonus: 30,000 pts ($300) Earn on min. spend: 30,000 pts ($300) Card fee: deducted (-$156) Rewards: $600 Card fee: $156	Big spenders or beginners
	HSBC World Elite^® Mastercard^® Card: $80k minimum income requiredMinimum personal income of $80,000 or minimum household income of $150,000 Bonus: make 1 purchase (no min.)	$51∗Flytrippers Valuation (*as a fixed-value credit; ≈ $71 actual Valuation) Welcome bonus (after 1st purchase): 20,000 pts ($100) Annual credit: for travel ($100) Card fee: deducted (-$149) Rewards: $200 Card fee: $149	Welcome bonus is easy to unlock
	TD Platinum Travel Visa^* Card Card: $0 minimum income requiredNo minimum income required. Bonus: spend $1k in 3 mos.	$273Flytrippers Valuation Welcome bonus (after 1st purchase): 15,000 pts ($75) Welcome bonus (after min. spend): 35,000 pts ($175) Earn on min. spend: 4,500 pts ($23) Card fee: 1st year free (-$0) Rewards: $273 Card fee: $0 $89	One of the best offers with no min. income required	ends September 3rd
	HSBC +Rewards^™ Mastercard^® Card: $0 minimum income requiredNo minimum income required. Bonus: no welcome bonus	–$25Flytrippers Valuation Welcome bonus: none Card fee: deducted (-$25) Rewards: $0 Card fee: $25	Non-Amex option no travel insurance
	HSBC Travel Rewards Mastercard^® (excl. QC) Card: $0 minimum income requiredNo minimum income required. Bonus: no welcome bonus	$0Flytrippers Valuation Welcome bonus: none Card fee: no annual fee (-$0) Rewards: $0 Card fee: $0	Easy & simple travel credit for any trip
	American Express^® Gold Rewards Card Card: $0 minimum income requiredNo minimum income required. Bonus: spend $1k/mo for 12 mos.	$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
NEW	Platinum Card^® from American Express Card: $0 minimum income requiredNo minimum income required. Bonus: spend $10k in 3 mos.	$401∗Flytrippers Valuation (*as simple credit; ≈ $801 actual Valuation) Welcome bonus: 70,000 pts ($700) Earn on min. spend: 10,000 pts ($100) Annual travel credit: can be cashed out ($200) Dining credit (2023): $200 total conservatively-valued (≈ $100) Dining credit (2024): $200 total conservatively-valued (≈ $100) Card fee: deducted (-$799) Also offered but not included in Valuation: renewal bonus of 30,000 pts ($300) Also offered but not included in Valuation: NEXUS credit ($100) Rewards: $1200 Card fee: $799	Unlimited airport lounge access higher spend req.
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 easy travel credits
Scotiabank Gold American Express^® Card
Card: $0 minimum income requiredNo minimum income required.
Bonus: spend $7.5k in 1y (or $1k)
WELCOME BONUS	ends October 31st
$655Flytrippers Valuation Welcome bonus (after $1k in 3 mos.): 20,000 pts ($200) Welcome bonus (after another $6.5k in 1y): 20,000 pts ($200) Earn on min. spend (1k$): 5,000 pts ($50) Earn on min. spend ($6.5k): 32,500 pts ($325) Card fee: deducted (-$120)
Rewards: $775
Card fee: $120
Best for: Very good travel insurance and earn rate
CIBC Aventura^® Visa Infinite* Card
Card: $60k minimum income requiredMinimum personal income of $60,000 or minimum household income of $100,000
Bonus: spend $3k in 4 mos.
WELCOME BONUS
$485Flytrippers Valuation Welcome bonus (after 1 purchase): 15,000 pts (≈ $188) Welcome bonus (after min. spend): 20,000 pts (≈ $250) Earn on min. spend: 3,750 pts (≈ $47) Card fee: first year annual fee rebate Also offered but not included in Valuation: NEXUS credit (US$50)
Rewards: $485
Card fee: showFee: $139 (first year annual fee rebated)† 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)
Best for: Flexible rewards and 4 airport lounge passes
CIBC Aventura^® Gold Visa* Card
Card: $15k minimum income requiredMinimum personal income of $15,000 or minimum household income of $15,000
Bonus: spend $3k in 4 mos.
WELCOME BONUS
$485Flytrippers Valuation Welcome bonus (after 1 purchase): 15,000 pts (≈ $188) Welcome bonus (after min. spend): 20,000 pts (≈ $250) Earn on min. spend: 3,750 pts (≈ $47) Card fee: first year annual fee rebate Also offered but not included in Valuation: NEXUS credit (US$50)
Rewards: $485
Card fee: showFee: $139 (first year annual fee rebated)† 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)
Best for: Flexible rewards and 4 airport lounge passes
NEW RBC Avion Visa Infinite Card
Card: $60k minimum income requiredMinimum personal income of $60,000 or minimum household income of $100,000
Bonus: spend $5k in 6 mos.
WELCOME BONUS	ends November 27th
≈ $480∗Flytrippers Valuation (*as a fixed-value credit; ≈ $780 actual Valuation) Welcome bonus (after 1st 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: ≈ $600
Card fee: $120
Best for: Non-Amex with flexible rewards
American Express Cobalt^® Card
Card: $0 minimum income requiredNo minimum income required.
Bonus: spend $500/mo for 12 mos.
WELCOME BONUS
$444∗Flytrippers Valuation (*as a fixed-value credit; ≈ $744 actual Valuation) Welcome bonus: 30,000 pts ($300) Earn on min. spend: 30,000 pts ($300) Card fee: deducted (-$156)
Rewards: $600
Card fee: $156
Best for: Big spenders or beginners
HSBC World Elite^® Mastercard^®
Card: $80k minimum income requiredMinimum personal income of $80,000 or minimum household income of $150,000
Bonus: make 1 purchase (no min.)
WELCOME BONUS
$51∗Flytrippers Valuation (*as a fixed-value credit; ≈ $71 actual Valuation) Welcome bonus (after 1st purchase): 20,000 pts ($100) Annual credit: for travel ($100) Card fee: deducted (-$149)
Rewards: $200
Card fee: $149
Best for: Welcome bonus is easy to unlock
TD Platinum Travel Visa^* Card
Card: $0 minimum income requiredNo minimum income required.
Bonus: spend $1k in 3 mos.
WELCOME BONUS	ends September 3rd
$273Flytrippers Valuation Welcome bonus (after 1st purchase): 15,000 pts ($75) Welcome bonus (after min. spend): 35,000 pts ($175) Earn on min. spend: 4,500 pts ($23) Card fee: 1st year free (-$0)
Rewards: $273
Card fee: $0 $89
Best for: One of the best offers with no min. income required
HSBC +Rewards^™ Mastercard^®
Card: $0 minimum income requiredNo minimum income required.
Bonus: no welcome bonus
WELCOME BONUS
–$25Flytrippers Valuation Welcome bonus: none Card fee: deducted (-$25)
Rewards: $0
Card fee: $25
Best for: Non-Amex option no travel insurance
HSBC Travel Rewards Mastercard^® (excl. QC)
Card: $0 minimum income requiredNo minimum income required.
Bonus: no welcome bonus
WELCOME BONUS
$0Flytrippers Valuation Welcome bonus: none Card fee: no annual fee (-$0)
Rewards: $0
Card fee: $0
Best for: Easy & simple travel credit for any trip
American Express^® Gold Rewards Card
Card: $0 minimum income requiredNo minimum income required.
Bonus: spend $1k/mo for 12 mos.
WELCOME 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)
Rewards: $820
Card fee: $250
Best for: Those who already have the Cobalt Card
NEW Platinum Card^® from American Express
Card: $0 minimum income requiredNo minimum income required.
Bonus: spend $10k in 3 mos.
WELCOME BONUS
$401∗Flytrippers Valuation (*as simple credit; ≈ $801 actual Valuation) Welcome bonus: 70,000 pts ($700) Earn on min. spend: 10,000 pts ($100) Annual travel credit: can be cashed out ($200) Dining credit (2023): $200 total conservatively-valued (≈ $100) Dining credit (2024): $200 total conservatively-valued (≈ $100) Card fee: deducted (-$799) Also offered but not included in Valuation: renewal bonus of 30,000 pts ($300) Also offered but not included in Valuation: NEXUS credit ($100)
Rewards: $1200
Card fee: $799
Best for: Unlimited airport lounge access higher spend req.
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 (coming soon).

includeme file="/www/flytripperscom_390/public/php/tables/best-aeroplan-cc.php"]

Best credit cards for Aeroplan points		WELCOME BONUS ( VALUATION)	Aeroplan points
NEW	TD^® Aeroplan^® Visa Infinite* Card Card: $60k minimum income requiredMinimum personal income of $60,000 or minimum household income of $100,000 Bonus: spend $7.5k in 12 mos.	≈ $780Flytrippers Valuation Welcome bonus (after 1st purchase): 10,000 pts (≈ $150) Welcome bonus (after $5k min. spend): 25,000 pts (≈ $375) Earn on $5k min. spend: 7,500 pts (≈ $113) Anniversary bonus (after another $2.5k in spend): 15,000 pts (≈ $225) Earn on another $2.5k in spend: 3,750 pts (≈ $56) Card fee (year 1): first year free(-$0) Card fee (year 2): deducted (-$139) Also offered but not included in Valuation Credit: for NEXUS ($100) Rewards: ≈ $780 Card fee: $0 $139	61,250 pts + free bag on AC $5k spend option also available	ends January 3rd
	American Express^® Aeroplan^®* Card Card: $0 minimum income requiredNo minimum income required. Bonus: spend $1k/mo for 10 mos.	≈ $510Flytrippers Valuation Monthly bonuses (6 mos.): 30,000 pts (≈ $450) Earn on min. spend: 10,000 pts (≈ $150) Card fee (year 1): deducted (-$120) Renewal bonus: 10,000 pts (≈ $150) Card fee (year 2): deducted (-$120) Rewards: ≈ $630 Card fee: $120	50,000 pts + a free bag on Air Canada
	American Express^® Aeroplan^®* Reserve Card Card: $0 minimum income requiredNo minimum income required. Bonus: spend $2k/mo for 6 mos.	≈ $301Flytrippers Valuation Monthly bonuses (6 mos.): 45,000 pts (≈ $675) Earn on min. spend: 15,000 pts (≈ $225) Card fee: deducted (-$599) Renewal bonus also offered (not included in Flytrippers Valuation) Bonuses for adding additional cards also offered (not included in Flytrippers Valuation) Rewards: ≈ $900 Card fee: $599	60,000 pts + unlimited AC lounges & other AC benefits
NEW	TD^® Aeroplan^® Visa* Infinite Privilege* Card Card: $150k minimum income requiredMinimum personal income of $150,000 or minimum household income of $200,000 Bonus: spend $12k in 12 mos.	≈ $550Flytrippers Valuation Welcome bonus (after 1st purchase): 20,000 pts (≈ $300) Welcome bonus (after $7.5k min. spend): 50,000 pts (≈ $750) Earn on 7.5k min. spend: 10,313 pts (≈ $155) Anniversary bonus (after another $4.5k in spend): 30,000 pts (≈ $450) Earn on another 4.5k in spend: 6,188 pts (≈ $93) Card fee (year 1): deducted (-$599) Card fee (year 2): deducted (-$599) Also offered but not included in Valuation Credit: for NEXUS ($100) Rewards: ≈ $1149 Card fee: $599	116,501 pts + unlimited AC lounges 6 DP lounges & AC benefits	ends January 3rd
	American Express Cobalt^® Card Card: $0 minimum income requiredNo minimum income required. Bonus: spend $500/mo for 12 mos.	≈ $744Flytrippers Valuation Welcome bonus: 30,000 pts (≈ $450) Earn on min. spend: 30,000 pts (≈ $450) Card fee: deducted (-$156) Rewards: ≈ $900 Card fee: $156	60,000 pts + 5X the points best card in Canada
	American Express^® Gold Rewards Card Card: $0 minimum income requiredNo minimum income required. Bonus: spend $1k/mo for 12 mos.	≈ $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	Platinum Card^® from American Express Card: $0 minimum income requiredNo minimum income required. Bonus: spend $10k in 3 mos.	≈ $801Flytrippers Valuation Welcome bonus: 70,000 pts (≈ $1050) Earn on min. spend: 10,000 pts (≈ $150) Annual travel credit: can be cashed out ($200) Dining credit (2023): $200 total conservatively-valued (≈ $100) Dining credit (2024): $200 total conservatively-valued (≈ $100) Card fee: deducted (-$799) Also offered but not included in Valuation: renewal bonus of 30,000 pts (≈ $450) Also offered but not included in Valuation: NEXUS credit ($100) Rewards: ≈ $1600 Card fee: $799	80,000 pts + unlimited PP lounges and $200 travel credit
	TD^® Aeroplan^® Visa* Platinum Card Card: $0 minimum income requiredNo minimum income required. Bonus: spend $1k in 3 mos.	≈ $315Flytrippers Valuation Welcome bonus (after 1st purchase): 10,000 pts (≈ $150) Welcome bonus (after min. spend): 10,000 pts (≈ $150) Earn on min. spend: 1,000 pts (≈ $15) Card fee: 1st year free (-$0) Rewards: ≈ $315 Card fee: $0 $89	21,000 pts + low min. spend & lower fee	ends March 4th
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
NEW TD^® Aeroplan^® Visa Infinite* Card
Card: $60k minimum income requiredMinimum personal income of $60,000 or minimum household income of $100,000
Bonus: spend $7.5k in 12 mos.
WELCOME BONUS	ends January 3rd
≈ $780Flytrippers Valuation Welcome bonus (after 1st purchase): 10,000 pts (≈ $150) Welcome bonus (after $5k min. spend): 25,000 pts (≈ $375) Earn on $5k min. spend: 7,500 pts (≈ $113) Anniversary bonus (after another $2.5k in spend): 15,000 pts (≈ $225) Earn on another $2.5k in spend: 3,750 pts (≈ $56) Card fee (year 1): first year free(-$0) Card fee (year 2): deducted (-$139) Also offered but not included in Valuation Credit: for NEXUS ($100)
Rewards: ≈ $780
Card fee: $0 $139
Aeroplan points: 61,250 pts + free bag on AC $5k spend option also available
American Express^® Aeroplan^®* Card
Card: $0 minimum income requiredNo minimum income required.
Bonus: spend $1k/mo for 10 mos.
WELCOME BONUS
≈ $510Flytrippers Valuation Monthly bonuses (6 mos.): 30,000 pts (≈ $450) Earn on min. spend: 10,000 pts (≈ $150) Card fee (year 1): deducted (-$120) Renewal bonus: 10,000 pts (≈ $150) Card fee (year 2): deducted (-$120)
Rewards: ≈ $630
Card fee: $120
Aeroplan points: 50,000 pts + a free bag on Air Canada
American Express^® Aeroplan^®* Reserve Card
Card: $0 minimum income requiredNo minimum income required.
Bonus: spend $2k/mo for 6 mos.
WELCOME BONUS
≈ $301Flytrippers Valuation Monthly bonuses (6 mos.): 45,000 pts (≈ $675) Earn on min. spend: 15,000 pts (≈ $225) Card fee: deducted (-$599) Renewal bonus also offered (not included in Flytrippers Valuation) Bonuses for adding additional cards also offered (not included in Flytrippers Valuation)
Rewards: ≈ $900
Card fee: $599
Aeroplan points: 60,000 pts + unlimited AC lounges & other AC benefits
NEW TD^® Aeroplan^® Visa* Infinite Privilege* Card
Card: $150k minimum income requiredMinimum personal income of $150,000 or minimum household income of $200,000
Bonus: spend $12k in 12 mos.
WELCOME BONUS	ends January 3rd
≈ $550Flytrippers Valuation Welcome bonus (after 1st purchase): 20,000 pts (≈ $300) Welcome bonus (after $7.5k min. spend): 50,000 pts (≈ $750) Earn on 7.5k min. spend: 10,313 pts (≈ $155) Anniversary bonus (after another $4.5k in spend): 30,000 pts (≈ $450) Earn on another 4.5k in spend: 6,188 pts (≈ $93) Card fee (year 1): deducted (-$599) Card fee (year 2): deducted (-$599) Also offered but not included in Valuation Credit: for NEXUS ($100)
Rewards: ≈ $1149
Card fee: $599
Aeroplan points: 116,501 pts + unlimited AC lounges 6 DP lounges & AC benefits
American Express Cobalt^® Card
Card: $0 minimum income requiredNo minimum income required.
Bonus: spend $500/mo for 12 mos.
WELCOME BONUS
≈ $744Flytrippers Valuation Welcome bonus: 30,000 pts (≈ $450) Earn on min. spend: 30,000 pts (≈ $450) Card fee: deducted (-$156)
Rewards: ≈ $900
Card fee: $156
Aeroplan points: 60,000 pts + 5X the points best card in Canada
American Express^® Gold Rewards Card
Card: $0 minimum income requiredNo minimum income required.
Bonus: spend $1k/mo for 12 mos.
WELCOME 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)
Rewards: ≈ $1180
Card fee: $250
Aeroplan points: 72,000 pts + 4 lounges and $100 travel credit
NEW Platinum Card^® from American Express
Card: $0 minimum income requiredNo minimum income required.
Bonus: spend $10k in 3 mos.
WELCOME BONUS
≈ $801Flytrippers Valuation Welcome bonus: 70,000 pts (≈ $1050) Earn on min. spend: 10,000 pts (≈ $150) Annual travel credit: can be cashed out ($200) Dining credit (2023): $200 total conservatively-valued (≈ $100) Dining credit (2024): $200 total conservatively-valued (≈ $100) Card fee: deducted (-$799) Also offered but not included in Valuation: renewal bonus of 30,000 pts (≈ $450) Also offered but not included in Valuation: NEXUS credit ($100)
Rewards: ≈ $1600
Card fee: $799
Aeroplan points: 80,000 pts + unlimited PP lounges and $200 travel credit
TD^® Aeroplan^® Visa* Platinum Card
Card: $0 minimum income requiredNo minimum income required.
Bonus: spend $1k in 3 mos.
WELCOME BONUS	ends March 4th
≈ $315Flytrippers Valuation Welcome bonus (after 1st purchase): 10,000 pts (≈ $150) Welcome bonus (after min. spend): 10,000 pts (≈ $150) Earn on min. spend: 1,000 pts (≈ $15) Card fee: 1st year free (-$0)
Rewards: ≈ $315
Card fee: $0 $89
Aeroplan points: 21,000 pts + low min. spend & lower fee
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 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).

includeme file="/www/flytripperscom_390/public/php/tables/best-avios-cc.php"]

Best credit cards for Avios points		WELCOME BONUS ( VALUATION)	Avios points
NEW	RBC Avion Visa Infinite Card Card: $60k minimum income requiredMinimum personal income of $60,000 or minimum household income of $100,000 Bonus: spend $5k in 6 mos.	≈ $780Flytrippers Valuation Welcome bonus (after 1st 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 November 27th
	RBC^® British Airways Visa Infinite^‡ Card: $60k minimum income requiredMinimum personal income of $60,000 or minimum household income of $100,000 Bonus: spend $6k in 3 mos.	≈ $675Flytrippers Valuation Welcome bonus (upon approval): 15,000 pts (≈ $225) Welcome bonus (after min. spend): 35,000 pts (≈ $525) Earn on min. spend: 6,000 pts (≈ $90) Card fee: deducted (-$165) Rewards: ≈ $840 Card fee: $165	56,000 pts + wider acceptance than Amex	limited time
	American Express Cobalt^® Card Card: $0 minimum income requiredNo minimum income required. Bonus: spend $500/mo for 12 mos.	≈ $744Flytrippers Valuation Welcome bonus: 30,000 pts (≈ $450) Earn on min. spend: 30,000 pts (≈ $450) Card fee: deducted (-$156) Rewards: ≈ $900 Card fee: $156	60,000 pts + 5X the points best card in Canada
	HSBC World Elite^® Mastercard^® Card: $80k minimum income requiredMinimum personal income of $80,000 or minimum household income of $150,000 Bonus: make 1 purchase (no min.)	≈ $71Flytrippers Valuation Welcome bonus (after 1st purchase): 20,000 pts (≈ $120) Annual credit: for travel ($100) Card fee: deducted (-$149) Rewards: ≈ $220 Card fee: $149	8,000 pts + no FX fees and $100 travel credit
	American Express^® Gold Rewards Card Card: $0 minimum income requiredNo minimum income required. Bonus: spend $1k/mo for 12 mos.	≈ $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
NEW	Platinum Card^® from American Express Card: $0 minimum income requiredNo minimum income required. Bonus: spend $10k in 3 mos.	≈ $801Flytrippers Valuation Welcome bonus: 70,000 pts (≈ $1050) Earn on min. spend: 10,000 pts (≈ $150) Annual travel credit: can be cashed out ($200) Dining credit (2023): $200 total conservatively-valued (≈ $100) Dining credit (2024): $200 total conservatively-valued (≈ $100) Card fee: deducted (-$799) Also offered but not included in Valuation: renewal bonus of 30,000 pts (≈ $450) Also offered but not included in Valuation: NEXUS credit ($100) Rewards: ≈ $1600 Card fee: $799	80,000 pts + unlimited lounges and $200 travel credit
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 Avios points
NEW RBC Avion Visa Infinite Card
Card: $60k minimum income requiredMinimum personal income of $60,000 or minimum household income of $100,000
Bonus: spend $5k in 6 mos.
WELCOME BONUS	ends November 27th
≈ $780Flytrippers Valuation Welcome bonus (after 1st 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
Avios points: 60,000 pts + wider acceptance than Amex
RBC^® British Airways Visa Infinite^‡
Card: $60k minimum income requiredMinimum personal income of $60,000 or minimum household income of $100,000
Bonus: spend $6k in 3 mos.
WELCOME BONUS	limited time
≈ $675Flytrippers Valuation Welcome bonus (upon approval): 15,000 pts (≈ $225) Welcome bonus (after min. spend): 35,000 pts (≈ $525) Earn on min. spend: 6,000 pts (≈ $90) Card fee: deducted (-$165)
Rewards: ≈ $840
Card fee: $165
Avios points: 56,000 pts + wider acceptance than Amex
American Express Cobalt^® Card
Card: $0 minimum income requiredNo minimum income required.
Bonus: spend $500/mo for 12 mos.
WELCOME BONUS
≈ $744Flytrippers Valuation Welcome bonus: 30,000 pts (≈ $450) Earn on min. spend: 30,000 pts (≈ $450) Card fee: deducted (-$156)
Rewards: ≈ $900
Card fee: $156
Avios points: 60,000 pts + 5X the points best card in Canada
HSBC World Elite^® Mastercard^®
Card: $80k minimum income requiredMinimum personal income of $80,000 or minimum household income of $150,000
Bonus: make 1 purchase (no min.)
WELCOME BONUS
≈ $71Flytrippers Valuation Welcome bonus (after 1st purchase): 20,000 pts (≈ $120) Annual credit: for travel ($100) Card fee: deducted (-$149)
Rewards: ≈ $220
Card fee: $149
Avios points: 8,000 pts + no FX fees and $100 travel credit
American Express^® Gold Rewards Card
Card: $0 minimum income requiredNo minimum income required.
Bonus: spend $1k/mo for 12 mos.
WELCOME 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)
Rewards: ≈ $1180
Card fee: $250
Avios points: 72,000 pts + 4 lounge passes and $100 travel credit
NEW Platinum Card^® from American Express
Card: $0 minimum income requiredNo minimum income required.
Bonus: spend $10k in 3 mos.
WELCOME BONUS
≈ $801Flytrippers Valuation Welcome bonus: 70,000 pts (≈ $1050) Earn on min. spend: 10,000 pts (≈ $150) Annual travel credit: can be cashed out ($200) Dining credit (2023): $200 total conservatively-valued (≈ $100) Dining credit (2024): $200 total conservatively-valued (≈ $100) Card fee: deducted (-$799) Also offered but not included in Valuation: renewal bonus of 30,000 pts (≈ $450) Also offered but not included in Valuation: NEXUS credit ($100)
Rewards: ≈ $1600
Card fee: $799
Avios points: 80,000 pts + unlimited lounges and $200 travel credit
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 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).

includeme file="/www/flytripperscom_390/public/php/tables/best-marriott-cc.php"]

Best credit cards for Marriott points		WELCOME BONUS ( VALUATION)	Marriott points
	Marriott Bonvoy^™ American Express^® Card Card: $0 minimum income requiredNo minimum income required. Bonus: spend $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 Bonus: spend $1.5k in 3 mos.	≈ $327Flytrippers Valuation Welcome bonus : 50,000 pts (≈ $450) Earn on min. spend: 3,000 pts (≈ $27) Card fee: deducted (-$150) Rewards: ≈ $477 Card fee: $150	53,000 pts after welcome bonus
	American Express^® Gold Rewards Card Card: $0 minimum income requiredNo minimum income required. Bonus: spend $1k/mo for 12 mos.	≈ $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 Card: $0 minimum income requiredNo minimum income required. Bonus: spend $500/mo for 12 mos.	≈ $492∗Flytrippers Valuation (*as Marriott pts; ≈ $744 actual Valuation) Welcome bonus: 36,000 pts (≈ $324) Earn on min. spend: 36,000 pts (≈ $324) Card fee: deducted (-$156) Rewards: ≈ $648 Card fee: $156	72,000 pts after welcome bonus
NEW	Platinum Card^® from American Express Card: $0 minimum income requiredNo minimum income required. Bonus: spend $10k in 3 mos.	≈ $465∗Flytrippers Valuation (*as Marriott pts; ≈ $801 actual Valuation) Welcome bonus: 84,000 pts (≈ $756) Earn on min. spend: 12,000 pts (≈ $108) Annual travel credit: can be cashed out ($200) Dining credit (2023): $200 total conservatively-valued (≈ $100) Dining credit (2024): $200 total conservatively-valued (≈ $100) Card fee: deducted (-$799) Also offered but not included in Valuation: renewal bonus of 36,000 pts (≈ $324) Also offered but not included in Valuation: NEXUS credit ($100) Rewards: ≈ $1264 Card fee: $799	96,000 pts after welcome bonus
	American Express Business Edge^™ Card Card: no business required Bonus: spend $5k in 3 mos.	≈ $441∗Flytrippers Valuation (*as Marriott pts; ≈ $651 actual Valuation) Welcome bonus: 45,000 pts (≈ $486) Earn on min. spend: 5,000 pts (≈ $54) Card fee: deducted (-$99) Additional 10X bonus on gas, rides, dining & bars, and office supplies & electronics also offered (not included in Flytrippers Valuation) Additional monthly bonus also offered (not included in Flytrippers Valuation) Rewards: ≈ $540 Card fee: $99	60,000 pts (50,000 Amex pts) after welcome bonus	limited time
	American Express^® Business Gold Rewards Card Card: no business required Bonus: spend $5k in 3 mos.	≈ $611∗Flytrippers Valuation (*as Marriott pts; ≈ $926 actual Valuation) Welcome bonus: 84,000 pts (≈ $756) Earn on min. spend: 6,000 pts (≈ $54) Card fee: deducted (-$199) Also offered but not included in Valuation: quarterly spending bonus Rewards: ≈ $810 Card fee: $199	90,000 pts after welcome bonus	limited time
NEW	Business Platinum Card^® from American Express Card: no business required Bonus: spend $15k in 3 mos.	≈ $1002∗Flytrippers Valuation Welcome bonus: 96,000 pts (≈ $864) Earn on min. spend: 22,500 pts (≈ $203) Annual travel credit: can be cashed out ($200) Wireless credit: $10 per month ($120) Card fee: deducted (-$799) Also offered but not included in Valuation: renewal bonus of 48,000 pts (≈ $432) Also offered but not included in Valuation: NEXUS credit ($100) Rewards: ≈ $1801 Card fee: $799	118,500 pts after welcome bonus
	American Express^® Green Card Card: $0 minimum income requiredNo minimum income required. Bonus: spend $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 for Marriott points
Marriott Bonvoy^™ American Express^® Card
Card: $0 minimum income requiredNo minimum income required.
Bonus: spend $1.5k in 3 mos.
WELCOME BONUS
≈ $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
Marriott points: 53,000 pts after welcome bonus
Marriott Bonvoy^™ Business American Express^® Card
Card: no business required
Bonus: spend $1.5k in 3 mos.
WELCOME BONUS
≈ $327Flytrippers Valuation Welcome bonus : 50,000 pts (≈ $450) Earn on min. spend: 3,000 pts (≈ $27) Card fee: deducted (-$150)
Rewards: ≈ $477
Card fee: $150
Marriott points: 53,000 pts after welcome bonus
American Express^® Gold Rewards Card
Card: $0 minimum income requiredNo minimum income required.
Bonus: spend $1k/mo for 12 mos.
WELCOME 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)
Rewards: ≈ $878
Card fee: $250
Marriott points: 86,400 pts after welcome bonus
American Express Cobalt^® Card
Card: $0 minimum income requiredNo minimum income required.
Bonus: spend $500/mo for 12 mos.
WELCOME BONUS
≈ $492∗Flytrippers Valuation (*as Marriott pts; ≈ $744 actual Valuation) Welcome bonus: 36,000 pts (≈ $324) Earn on min. spend: 36,000 pts (≈ $324) Card fee: deducted (-$156)
Rewards: ≈ $648
Card fee: $156
Marriott points: 72,000 pts after welcome bonus
NEW Platinum Card^® from American Express
Card: $0 minimum income requiredNo minimum income required.
Bonus: spend $10k in 3 mos.
WELCOME BONUS
≈ $465∗Flytrippers Valuation (*as Marriott pts; ≈ $801 actual Valuation) Welcome bonus: 84,000 pts (≈ $756) Earn on min. spend: 12,000 pts (≈ $108) Annual travel credit: can be cashed out ($200) Dining credit (2023): $200 total conservatively-valued (≈ $100) Dining credit (2024): $200 total conservatively-valued (≈ $100) Card fee: deducted (-$799) Also offered but not included in Valuation: renewal bonus of 36,000 pts (≈ $324) Also offered but not included in Valuation: NEXUS credit ($100)
Rewards: ≈ $1264
Card fee: $799
Marriott points: 96,000 pts after welcome bonus
American Express Business Edge^™ Card
Card: no business required
Bonus: spend $5k in 3 mos.
WELCOME BONUS	limited time
≈ $441∗Flytrippers Valuation (*as Marriott pts; ≈ $651 actual Valuation) Welcome bonus: 45,000 pts (≈ $486) Earn on min. spend: 5,000 pts (≈ $54) Card fee: deducted (-$99) Additional 10X bonus on gas, rides, dining & bars, and office supplies & electronics also offered (not included in Flytrippers Valuation) Additional monthly bonus also offered (not included in Flytrippers Valuation)
Rewards: ≈ $540
Card fee: $99
Marriott points: 60,000 pts (50,000 Amex pts) after welcome bonus
American Express^® Business Gold Rewards Card
Card: no business required
Bonus: spend $5k in 3 mos.
WELCOME BONUS	limited time
≈ $611∗Flytrippers Valuation (*as Marriott pts; ≈ $926 actual Valuation) Welcome bonus: 84,000 pts (≈ $756) Earn on min. spend: 6,000 pts (≈ $54) Card fee: deducted (-$199) Also offered but not included in Valuation: quarterly spending bonus
Rewards: ≈ $810
Card fee: $199
Marriott points: 90,000 pts after welcome bonus
NEW Business Platinum Card^® from American Express
Card: no business required
Bonus: spend $15k in 3 mos.
WELCOME BONUS
≈ $1002∗Flytrippers Valuation Welcome bonus: 96,000 pts (≈ $864) Earn on min. spend: 22,500 pts (≈ $203) Annual travel credit: can be cashed out ($200) Wireless credit: $10 per month ($120) Card fee: deducted (-$799) Also offered but not included in Valuation: renewal bonus of 48,000 pts (≈ $432) Also offered but not included in Valuation: NEXUS credit ($100)
Rewards: ≈ $1801
Card fee: $799
Marriott points: 118,500 pts after welcome bonus
American Express^® Green Card
Card: $0 minimum income requiredNo minimum income required.
Bonus: spend $1k in 3 mos.
WELCOME 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)
Rewards: ≈ $119
Card fee: $0
Marriott points: 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 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).

includeme file="/www/flytripperscom_390/public/php/tables/best-air-miles-cc.php"]

Best credit cards for AIR MILES Rewards		WELCOME BONUS ( VALUATION)	AIR MILES Miles
	BMO AIR MILES^®† World Elite^®* MasterCard^®* Card: $80k minimum income requiredMinimum personal income of $80,000 or minimum household income of $150,000 Bonus: spend $3k in 3 mos.	≈ $249Flytrippers Valuation Welcome bonus: 2,000 pts (≈ $210) Earn on min. spend: 375 pts (≈ $39) Card fee: 1st year free (-$0) Rewards: ≈ $249 Card fee: $0 $120	2,375 Miles after welcome bonus
	BMO AIR MILES^®† MasterCard^®* Card: $15k minimum income requiredMinimum personal income of $15,000 or minimum household income of $None Bonus: spend $1k in 3 mos.	≈ $110Flytrippers Valuation Welcome bonus: 800 pts (≈ $96) Earn on min. spend: 120 pts (≈ $14) Card fee: no annual fee (-$0) Rewards: ≈ $110 Card fee: $0	920 Miles after welcome bonus
	BMO AIR MILES World Elite^®* Business Mastercard^®* Card: business required Bonus: spend $5k in 3 mos.	≈ $420Flytrippers Valuation Welcome bonus: 3,000 pts (≈ $360) Earn on min. spend: 500 pts (≈ $60) Card fee: 1st 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 Bonus: spend $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 credit cards for AIR MILES Rewards
BMO AIR MILES^®† World Elite^®* MasterCard^®*
Card: $80k minimum income requiredMinimum personal income of $80,000 or minimum household income of $150,000
Bonus: spend $3k in 3 mos.
WELCOME BONUS
≈ $249Flytrippers Valuation Welcome bonus: 2,000 pts (≈ $210) Earn on min. spend: 375 pts (≈ $39) Card fee: 1st year free (-$0)
Rewards: ≈ $249
Card fee: $0 $120
AIR MILES Miles: 2,375 Miles after welcome bonus
BMO AIR MILES^®† MasterCard^®*
Card: $15k minimum income requiredMinimum personal income of $15,000 or minimum household income of $None
Bonus: spend $1k in 3 mos.
WELCOME BONUS
≈ $110Flytrippers Valuation Welcome bonus: 800 pts (≈ $96) Earn on min. spend: 120 pts (≈ $14) Card fee: no annual fee (-$0)
Rewards: ≈ $110
Card fee: $0
AIR MILES Miles: 920 Miles after welcome bonus
BMO AIR MILES World Elite^®* Business Mastercard^®*
Card: business required
Bonus: spend $5k in 3 mos.
WELCOME BONUS
≈ $420Flytrippers Valuation Welcome bonus: 3,000 pts (≈ $360) Earn on min. spend: 500 pts (≈ $60) Card fee: 1st year free (-$0)
Rewards: ≈ $420
Card fee: $0 $120
AIR MILES Miles: 3,500 Miles after welcome bonus
BMO^® AIR MILES^®† No-Fee Business^® Mastercard^®*
Card: business required
Bonus: spend $3k in 3 mos.
WELCOME BONUS
≈ $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 Miles: 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 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).

includeme file="/www/flytripperscom_390/public/php/tables/best-cashback-cc.php"]

Best credit cards for cash back		WELCOME BONUS ( VALUATION)	Earn rate
	American Express Cobalt^® Card Card: $0 minimum income requiredNo minimum income required. Bonus: spend $500/mo for 12 mos.	$444∗Flytrippers Valuation (*as cash back; ≈ $744 actual Valuation) Welcome bonus: 30,000 pts ($300) Earn on min. spend: 30,000 pts ($300) Card fee: deducted (-$156) Rewards: $600 Card fee: $156	5% on groceries (1-3% elsewhere)
	BMO CashBack^® World Elite^®* MasterCard^®* Card: $80k minimum income requiredMinimum personal income of $80,000 or minimum household income of $150,000 Bonus: spend $2k in 3 mos.	$200Flytrippers Valuation Welcome bonus: cashback ($200) Card fee: 1st year free (-$0) Official BMO Offer Get up to 10% cash back in your first 3 months and the $120 annual fee waived in the first year* Rewards: $200 Card fee: $0 $120	5% (with monthly cap) on groceries (1-4% elsewhere)
	CIBC Dividend^® Visa Infinite* Card Card: $60k minimum income requiredMinimum personal income of $60,000 or minimum household income of $100,000 Bonus: spend $2k in 4 mos.	$0Flytrippers Valuation Welcome bonus: none ($0) Card fee: first-year annual fee rebate Rewards: $0 Card fee: showFee: $120 (first year annual fee rebated)† 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)	4% on groceries (1-2% elsewhere)
	Scotia Momentum^® Visa Infinite* Card Card: $60k minimum income requiredMinimum personal income of $60,000 or minimum household income of $100,000 Bonus: spend $2k in 3 mos.	$200Flytrippers Valuation Welcome bonus: cashback ($200) Card fee: 1st year free (-$0) Rewards: $200 Card fee: $0 $120	4% on groceries (1-2% elsewhere)	ends October 31st
	SimplyCash^® Preferred Card from American Express Card: $0 minimum income requiredNo minimum income required. Bonus: spend $3k in 4 mos.	$160Flytrippers Valuation Welcome bonus (monthly, for 4 mos.): statement credits ($160) Earn on min. spend (multiplier rate): cashback ($120) Card fee: deducted (-$120) Also offered but not included in Valuation: monthly bonus ($40) per month in which you spend $750 for another 6 months Rewards: $280 Card fee: $120	4% on groceries/gas (2% elsewhere)
	CIBC Dividend Platinum^® Visa* Card Card: $15k minimum income requiredMinimum personal income of $15,000 or minimum household income of $15,000 Bonus: spend $2k in 4 mos.	$0Flytrippers Valuation Welcome bonus: none ($0) Card fee: first-year annual fee rebate Rewards: $0 Card fee: showFee: $99 (first year annual fee rebated)† 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)	3% on groceries (1-2% elsewhere)
NEW	TD Cash Back Visa Infinite* Card Card: $60k minimum income requiredMinimum personal income of $60,000 or minimum household income of $100,000 Bonus: spend $3.5k in 3 mos.	$350Flytrippers Valuation Welcome bonus (10% earn rate on 3 categories): cash back ($350) Card fee: 1st year free (-$0) Rewards: $350 Card fee: $0 $139	3% on groceries, gas, bills (1% elsewhere)	ends March 4th
	Tangerine World Mastercard^® Card: $60k minimum income requiredMinimum personal income of $60,000 or minimum household income of $100,000 Bonus: spend $1k in 2 mos.	$120Flytrippers Valuation Welcome bonus: 10% cashback ($100) Earn on min. spend: 2% in 3 categories ($20) Card fee: no annual fee (-$0) Rewards: $120 Card fee: $0	2% choice of 3 categories	ends October 31st
	CIBC Dividend^® Visa* Card Card: $15k minimum income requiredMinimum personal income of $15,000 or minimum household income of $15,000 Bonus: spend $2k in 4 mos.	$0Flytrippers Valuation Welcome bonus: none ($0) Card fee: no annual fee Rewards: $0 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)	2% on groceries (0.5-1% elsewhere)
	BMO AIR MILES^®† MasterCard^®* Card: $15k minimum income requiredMinimum personal income of $15,000 or minimum household income of $None Bonus: spend $1k in 3 mos.	$97∗Flytrippers Valuation Welcome bonus: 800 pts ($84) Earn on min. spend: 120 pts ($13) Card fee: no annual fee (-$0) Rewards: $97 Card fee: $0	1.26% at AM partners (0.42% elsewhere)
	BMO AIR MILES^®† World Elite^®* MasterCard^®* Card: $80k minimum income requiredMinimum personal income of $80,000 or minimum household income of $150,000 Bonus: spend $3k in 3 mos.	≈ $249Flytrippers Valuation Welcome bonus: 2,000 pts (≈ $210) Earn on min. spend: 375 pts (≈ $39) Card fee: 1st year free (-$0) Rewards: ≈ $249 Card fee: $0 $120	1.05% (2.63% at AM partners)
	SimplyCash^® Card from American Express Card: $0 minimum income requiredNo minimum income required. Bonus: spend $3k in 10 mos.	$160Flytrippers Valuation Welcome bonus: cashback ($200) Card fee: no annual fee (-$0) Rewards: $160 Card fee: $0	2% on groceries/gas (1.25% elsewhere)
	HSBC Cash Rewards Mastercard^® (excl. QC) Card: $0 minimum income requiredNo minimum income required. Bonus: no welcome bonus	$0Flytrippers Valuation Welcome bonus: none Card fee: no annual fee (-$0) Rewards: $0 Card fee: $0	1.5% online (0.5-1% elsewhere)
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 cash back
American Express Cobalt^® Card
Card: $0 minimum income requiredNo minimum income required.
Bonus: spend $500/mo for 12 mos.
WELCOME BONUS
$444∗Flytrippers Valuation (*as cash back; ≈ $744 actual Valuation) Welcome bonus: 30,000 pts ($300) Earn on min. spend: 30,000 pts ($300) Card fee: deducted (-$156)
Rewards: $600
Card fee: $156
Earn rate: 5% on groceries (1-3% elsewhere)
BMO CashBack^® World Elite^®* MasterCard^®*
Card: $80k minimum income requiredMinimum personal income of $80,000 or minimum household income of $150,000
Bonus: spend $2k in 3 mos.
WELCOME BONUS
$200Flytrippers Valuation Welcome bonus: cashback ($200) Card fee: 1st year free (-$0) Official BMO Offer Get up to 10% cash back in your first 3 months and the $120 annual fee waived in the first year*
Rewards: $200
Card fee: $0 $120
Earn rate: 5% (with monthly cap) on groceries (1-4% elsewhere)
CIBC Dividend^® Visa Infinite* Card
Card: $60k minimum income requiredMinimum personal income of $60,000 or minimum household income of $100,000
Bonus: spend $2k in 4 mos.
WELCOME BONUS
$0Flytrippers Valuation Welcome bonus: none ($0) Card fee: first-year annual fee rebate
Rewards: $0
Card fee: showFee: $120 (first year annual fee rebated)† 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)
Earn rate: 4% on groceries (1-2% elsewhere)
Scotia Momentum^® Visa Infinite* Card
Card: $60k minimum income requiredMinimum personal income of $60,000 or minimum household income of $100,000
Bonus: spend $2k in 3 mos.
WELCOME BONUS	ends October 31st
$200Flytrippers Valuation Welcome bonus: cashback ($200) Card fee: 1st year free (-$0)
Rewards: $200
Card fee: $0 $120
Earn rate: 4% on groceries (1-2% elsewhere)
SimplyCash^® Preferred Card from American Express
Card: $0 minimum income requiredNo minimum income required.
Bonus: spend $3k in 4 mos.
WELCOME BONUS
$160Flytrippers Valuation Welcome bonus (monthly, for 4 mos.): statement credits ($160) Earn on min. spend (multiplier rate): cashback ($120) Card fee: deducted (-$120) Also offered but not included in Valuation: monthly bonus ($40) per month in which you spend $750 for another 6 months
Rewards: $280
Card fee: $120
Earn rate: 4% on groceries/gas (2% elsewhere)
CIBC Dividend Platinum^® Visa* Card
Card: $15k minimum income requiredMinimum personal income of $15,000 or minimum household income of $15,000
Bonus: spend $2k in 4 mos.
WELCOME BONUS
$0Flytrippers Valuation Welcome bonus: none ($0) Card fee: first-year annual fee rebate
Rewards: $0
Card fee: showFee: $99 (first year annual fee rebated)† 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)
Earn rate: 3% on groceries (1-2% elsewhere)
NEW TD Cash Back Visa Infinite* Card
Card: $60k minimum income requiredMinimum personal income of $60,000 or minimum household income of $100,000
Bonus: spend $3.5k in 3 mos.
WELCOME BONUS	ends March 4th
$350Flytrippers Valuation Welcome bonus (10% earn rate on 3 categories): cash back ($350) Card fee: 1st year free (-$0)
Rewards: $350
Card fee: $0 $139
Earn rate: 3% on groceries, gas, bills (1% elsewhere)
Tangerine World Mastercard^®
Card: $60k minimum income requiredMinimum personal income of $60,000 or minimum household income of $100,000
Bonus: spend $1k in 2 mos.
WELCOME BONUS	ends October 31st
$120Flytrippers Valuation Welcome bonus: 10% cashback ($100) Earn on min. spend: 2% in 3 categories ($20) Card fee: no annual fee (-$0)
Rewards: $120
Card fee: $0
Earn rate: 2% choice of 3 categories
CIBC Dividend^® Visa* Card
Card: $15k minimum income requiredMinimum personal income of $15,000 or minimum household income of $15,000
Bonus: spend $2k in 4 mos.
WELCOME BONUS
$0Flytrippers Valuation Welcome bonus: none ($0) Card fee: no annual fee
Rewards: $0
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)
Earn rate: 2% on groceries (0.5-1% elsewhere)
BMO AIR MILES^®† MasterCard^®*
Card: $15k minimum income requiredMinimum personal income of $15,000 or minimum household income of $None
Bonus: spend $1k in 3 mos.
WELCOME BONUS
$97∗Flytrippers Valuation Welcome bonus: 800 pts ($84) Earn on min. spend: 120 pts ($13) Card fee: no annual fee (-$0)
Rewards: $97
Card fee: $0
Earn rate: 1.26% at AM partners (0.42% elsewhere)
BMO AIR MILES^®† World Elite^®* MasterCard^®*
Card: $80k minimum income requiredMinimum personal income of $80,000 or minimum household income of $150,000
Bonus: spend $3k in 3 mos.
WELCOME BONUS
≈ $249Flytrippers Valuation Welcome bonus: 2,000 pts (≈ $210) Earn on min. spend: 375 pts (≈ $39) Card fee: 1st year free (-$0)
Rewards: ≈ $249
Card fee: $0 $120
Earn rate: 1.05% (2.63% at AM partners)
SimplyCash^® Card from American Express
Card: $0 minimum income requiredNo minimum income required.
Bonus: spend $3k in 10 mos.
WELCOME BONUS
$160Flytrippers Valuation Welcome bonus: cashback ($200) Card fee: no annual fee (-$0)
Rewards: $160
Card fee: $0
Earn rate: 2% on groceries/gas (1.25% elsewhere)
HSBC Cash Rewards Mastercard^® (excl. QC)
Card: $0 minimum income requiredNo minimum income required.
Bonus: no welcome bonus
WELCOME BONUS
$0Flytrippers Valuation Welcome bonus: none Card fee: no annual fee (-$0)
Rewards: $0
Card fee: $0
Earn rate: 1.5% online (0.5-1% elsewhere)
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).

includeme file="/www/flytripperscom_390/public/php/tables/best-no-fx-cc.php"]

Best credit cards with no foreign transaction fees		WELCOME BONUS ( VALUATION)	Other benefit
	Scotiabank Passport^® Visa Infinite^* Card Card: $60k minimum income requiredMinimum personal income of $60,000 or minimum household income of $100,000 Bonus: spend $1k in 3 mos.	$120Flytrippers Valuation Welcome bonus: 25,000 pts ($250) Earn on min. spend: 2,000 pts ($20) Card fee: deducted (-$150) Also offered but not included in Valuation: additional spend bonus Rewards: $270 Card fee: $150	Airport lounge access 6 passes	ends October 31st
	Scotiabank Gold American Express^® Card Card: $0 minimum income requiredNo minimum income required. Bonus: spend $7.5k in 1y (or $1k)	$655Flytrippers Valuation Welcome bonus (after $1k in 3 mos.): 20,000 pts ($200) Welcome bonus (after another $6.5k in 1y): 20,000 pts ($200) Earn on min. spend (1k$): 5,000 pts ($50) Earn on min. spend ($6.5k): 32,500 pts ($325) Card fee: deducted (-$120) Rewards: $775 Card fee: $120	Very good travel insurance and earn rate	ends October 31st
	Scotiabank Platinum American Express^® Card Card: $0 minimum income requiredNo minimum income required. Bonus: spend $3k in 3 mos.	$161Flytrippers Valuation Welcome bonus: 50,000 pts ($500) Earn on min. spend: 6,000 pts ($60) Card fee: deducted (-$399) Additional bonus also offered (not included in Flytrippers Valuation) 10,000 pts ($100) if you spend another $7,000 in 14 months Rewards: $560 Card fee: $399	Airport lounge access 10 passes	ends October 31st
No fee	Brim Mastercard Card: $0 minimum income requiredNo minimum income required. Bonus: no welcome bonus	$0Flytrippers Valuation Welcome bonus: none ($0) Card fee: no annual fee (-$0) Rewards: $0 Card fee: $0	No-fee card add-on w/ other card
	Brim World Elite Mastercard Card: $80k minimum income requiredMinimum personal income of $80,000 or minimum household income of $150,000 Bonus: no welcome bonus	$0Flytrippers Valuation Welcome bonus: none ($0) Card fee: 1st year free (-$0) Rewards: $0 Card fee: $0 $199	No minimum spend add-on w/ other card	limited time
	Home Trust Preferred Visa Card Card: not available in Québec 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 Card: not available in Québec 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
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 no foreign transaction fees
Scotiabank Passport^® Visa Infinite^* Card
Card: $60k minimum income requiredMinimum personal income of $60,000 or minimum household income of $100,000
Bonus: spend $1k in 3 mos.
WELCOME BONUS	ends October 31st
$120Flytrippers Valuation Welcome bonus: 25,000 pts ($250) Earn on min. spend: 2,000 pts ($20) Card fee: deducted (-$150) Also offered but not included in Valuation: additional spend bonus
Rewards: $270
Card fee: $150
Other benefit: Airport lounge access 6 passes
Scotiabank Gold American Express^® Card
Card: $0 minimum income requiredNo minimum income required.
Bonus: spend $7.5k in 1y (or $1k)
WELCOME BONUS	ends October 31st
$655Flytrippers Valuation Welcome bonus (after $1k in 3 mos.): 20,000 pts ($200) Welcome bonus (after another $6.5k in 1y): 20,000 pts ($200) Earn on min. spend (1k$): 5,000 pts ($50) Earn on min. spend ($6.5k): 32,500 pts ($325) Card fee: deducted (-$120)
Rewards: $775
Card fee: $120
Other benefit: Very good travel insurance and earn rate
Scotiabank Platinum American Express^® Card
Card: $0 minimum income requiredNo minimum income required.
Bonus: spend $3k in 3 mos.
WELCOME BONUS	ends October 31st
$161Flytrippers Valuation Welcome bonus: 50,000 pts ($500) Earn on min. spend: 6,000 pts ($60) Card fee: deducted (-$399) Additional bonus also offered (not included in Flytrippers Valuation) 10,000 pts ($100) if you spend another $7,000 in 14 months
Rewards: $560
Card fee: $399
Other benefit: Airport lounge access 10 passes
No fee Brim Mastercard
Card: $0 minimum income requiredNo minimum income required.
Bonus: no welcome bonus
WELCOME BONUS
$0Flytrippers Valuation Welcome bonus: none ($0) Card fee: no annual fee (-$0)
Rewards: $0
Card fee: $0
Other benefit: No-fee card add-on w/ other card
Brim World Elite Mastercard
Card: $80k minimum income requiredMinimum personal income of $80,000 or minimum household income of $150,000
Bonus: no welcome bonus
WELCOME BONUS	limited time
$0Flytrippers Valuation Welcome bonus: none ($0) Card fee: 1st year free (-$0)
Rewards: $0
Card fee: $0 $199
Other benefit: No minimum spend add-on w/ other card
Home Trust Preferred Visa Card
Card: not available in Québec
Bonus: no welcome bonus
WELCOME BONUS
$0Flytrippers Valuation Welcome bonus: none ($0) Card fee: no annual fee (-$0)
Rewards: $0
Card fee: $0
Other benefit: No minimum spend add-on w/ other card
Home Trust Equityline Visa Card
Card: not available in Québec
Bonus: no welcome bonus
WELCOME BONUS
$0Flytrippers Valuation Welcome bonus: none ($0) Card fee: no annual fee (-$0)
Rewards: $0
Card fee: $0
Other benefit: No minimum spend add-on w/ other card
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 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).

includeme file="/www/flytripperscom_390/public/php/tables/best-balance-transfer-cc.php"]

Best credit cards for balance transfers		WELCOME BONUS ( VALUATION)	Interest rate
	CIBC Select Visa* Card Card: $15k minimum income requiredMinimum personal income of $15,000 or minimum household income of $15,000 Bonus: no welcome bonus	$0Flytrippers Valuation Welcome bonus: none ($0) Card fee: first year annual fee rebate Rewards: $0 Card fee: showFee: $29 (first year annual fee rebated)† Annual Interest Rate (purchases): 13.99%† Annual Interest Rate (balance transfer): 13.99%† Annual Interest Rate (cash advance): 13.99%†	0% for 10 mos 1% transfer fee
	Tangerine Money-Back Card Card: $0 minimum income requiredNo minimum income required. Bonus: spend $1k in 2 mos.	$120Flytrippers Valuation Welcome bonus: 10% cashback ($100) Earn on min. spend: 2% in 3 categories ($20) Card fee: no annual fee (-$0) Rewards: $120 Card fee: $0	1.95% for 6 mos 1% transfer fee	ends October 31st
	BMO AIR MILES^®† MasterCard^®* Card: $15k minimum income requiredMinimum personal income of $15,000 or minimum household income of $None Bonus: spend $1k in 3 mos.	≈ $110Flytrippers Valuation Welcome bonus: 800 pts (≈ $96) Earn on min. spend: 120 pts (≈ $14) Card fee: no annual fee (-$0) Rewards: ≈ $110 Card fee: $0	0.99% for 9 mos 2% transfer fee
	BMO Rewards^® MasterCard^®* Card: $15k minimum income requiredMinimum personal income of $15,000 or minimum household income of $None Bonus: spend $1k in 3 mos.	$74Flytrippers Valuation Welcome bonus: 10,000 pts ($67) Earn on min. spend: 1,000 pts ($7) Card fee: no annual fee (-$0) Rewards: $74 Card fee: $0	0.99% for 9 mos 2% transfer fee
	BMO CashBack^® MasterCard^®* Card: $15k minimum income requiredMinimum personal income of $15,000 or minimum household income of $None Bonus: spend $500 in 3 mos.	$25Flytrippers Valuation Welcome bonus: cashback ($25) Card fee: no annual fee (-$0) Official BMO Offer Get 5% cash back in your first 3 months* Rewards: $25 Card fee: $0	0.99% for 9 mos 2% transfer fee
	President's Choice Financial^® Mastercard^® Card: $0 minimum income requiredNo minimum income required. Bonus: make 1 purchase (no min.)	$20Flytrippers Valuation Welcome bonus: 20,000 pts ($20) Card fee: no annual fee (-$0) Rewards: $20 Card fee: $0	0.97% for 6 mos 0% transfer fee
	Scotiabank Value^® Visa* Card Card: $12k minimum income requiredMinimum personal income of $12,000 or minimum household income of $None Bonus: no welcome bonus	$0Flytrippers Valuation Welcome bonus: none ($0) Card fee: first year free (-$0) Rewards: $0 Card fee: $0 $29	0% for 6 mos 1% transfer fee	ends October 31st
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
CIBC Select Visa* Card
Card: $15k minimum income requiredMinimum personal income of $15,000 or minimum household income of $15,000
Bonus: no welcome bonus
WELCOME BONUS
$0Flytrippers Valuation Welcome bonus: none ($0) Card fee: first year annual fee rebate
Rewards: $0
Card fee: showFee: $29 (first year annual fee rebated)† Annual Interest Rate (purchases): 13.99%† Annual Interest Rate (balance transfer): 13.99%† Annual Interest Rate (cash advance): 13.99%†
Interest rate: 0% for 10 mos 1% transfer fee
Tangerine Money-Back Card
Card: $0 minimum income requiredNo minimum income required.
Bonus: spend $1k in 2 mos.
WELCOME BONUS	ends October 31st
$120Flytrippers Valuation Welcome bonus: 10% cashback ($100) Earn on min. spend: 2% in 3 categories ($20) Card fee: no annual fee (-$0)
Rewards: $120
Card fee: $0
Interest rate: 1.95% for 6 mos 1% transfer fee
BMO AIR MILES^®† MasterCard^®*
Card: $15k minimum income requiredMinimum personal income of $15,000 or minimum household income of $None
Bonus: spend $1k in 3 mos.
WELCOME BONUS
≈ $110Flytrippers Valuation Welcome bonus: 800 pts (≈ $96) Earn on min. spend: 120 pts (≈ $14) Card fee: no annual fee (-$0)
Rewards: ≈ $110
Card fee: $0
Interest rate: 0.99% for 9 mos 2% transfer fee
BMO Rewards^® MasterCard^®*
Card: $15k minimum income requiredMinimum personal income of $15,000 or minimum household income of $None
Bonus: spend $1k in 3 mos.
WELCOME BONUS
$74Flytrippers Valuation Welcome bonus: 10,000 pts ($67) Earn on min. spend: 1,000 pts ($7) Card fee: no annual fee (-$0)
Rewards: $74
Card fee: $0
Interest rate: 0.99% for 9 mos 2% transfer fee
BMO CashBack^® MasterCard^®*
Card: $15k minimum income requiredMinimum personal income of $15,000 or minimum household income of $None
Bonus: spend $500 in 3 mos.
WELCOME BONUS
$25Flytrippers Valuation Welcome bonus: cashback ($25) Card fee: no annual fee (-$0) Official BMO Offer Get 5% cash back in your first 3 months*
Rewards: $25
Card fee: $0
Interest rate: 0.99% for 9 mos 2% transfer fee
President's Choice Financial^® Mastercard^®
Card: $0 minimum income requiredNo minimum income required.
Bonus: make 1 purchase (no min.)
WELCOME BONUS
$20Flytrippers Valuation Welcome bonus: 20,000 pts ($20) Card fee: no annual fee (-$0)
Rewards: $20
Card fee: $0
Interest rate: 0.97% for 6 mos 0% transfer fee
Scotiabank Value^® Visa* Card
Card: $12k minimum income requiredMinimum personal income of $12,000 or minimum household income of $None
Bonus: no welcome bonus
WELCOME BONUS	ends October 31st
$0Flytrippers Valuation Welcome bonus: none ($0) Card fee: first year free (-$0)
Rewards: $0
Card fee: $0 $29
Interest rate: 0% for 6 mos 1% transfer fee
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 2nd card the same day as a card application is a great way to double your welcome bonuses, and that’s easier when the 2nd 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).

includeme file="/www/flytripperscom_390/public/php/tables/best-low-min-spend-cc.php"]

Best credit cards with low minimum spends		WELCOME BONUS ( VALUATION)	Best for
	Scotiabank Gold American Express^® Card Card: $0 minimum income requiredNo minimum income required. Bonus: spend $7.5k in 1y (or $1k)	$655Flytrippers Valuation Welcome bonus (after $1k in 3 mos.): 20,000 pts ($200) Welcome bonus (after another $6.5k in 1y): 20,000 pts ($200) Earn on min. spend (1k$): 5,000 pts ($50) Earn on min. spend ($6.5k): 32,500 pts ($325) Card fee: deducted (-$120) Rewards: $775 Card fee: $120	Lower spend 5x on food, no FX insurance for lower income	ends October 31st
	HSBC +Rewards^™ Mastercard^® Card: $0 minimum income requiredNo minimum income required. Bonus: no welcome bonus	–$25Flytrippers Valuation Welcome bonus: none Card fee: deducted (-$25) Rewards: $0 Card fee: $25	Non-Amex option no travel insurance
	TD Platinum Travel Visa^* Card Card: $0 minimum income requiredNo minimum income required. Bonus: spend $1k in 3 mos.	$273Flytrippers Valuation Welcome bonus (after 1st purchase): 15,000 pts ($75) Welcome bonus (after min. spend): 35,000 pts ($175) Earn on min. spend: 4,500 pts ($23) Card fee: 1st year free (-$0) Rewards: $273 Card fee: $0 $89	Easy to use simple points with 1st year free	ends September 3rd
	American Express^® Green Card Card: $0 minimum income requiredNo minimum income required. Bonus: spend $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
	HSBC Travel Rewards Mastercard^® (excl. QC) Card: $0 minimum income requiredNo minimum income required. Bonus: no welcome bonus	$0Flytrippers Valuation Welcome bonus: none Card fee: no annual fee (-$0) Rewards: $0 Card fee: $0	Easy & simple travel credit for any trip
	HSBC Cash Rewards Mastercard^® (excl. QC) Card: $0 minimum income requiredNo minimum income required. Bonus: no welcome bonus	$0Flytrippers Valuation Welcome bonus: none Card fee: no annual fee (-$0) Rewards: $0 Card fee: $0	Easy & simple cash rewards no fee
	CIBC Aventura^® Visa* Card Card: $15k minimum income requiredMinimum personal income of $15,000 or minimum household income of $15,000 Bonus: make 1 purchase (no min.)	$127Flytrippers Valuation Welcome bonus: 9,500 pts (≈ $105) Activities bonus: 2,000 pts (≈ $22) Card fee: no annual fee Additional bonus also offered if you hold a CIBC chequeing account Rewards: $127 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 Card: $60k minimum income requiredMinimum personal income of $60,000 or minimum household income of $100,000 Bonus: spend $1k in 3 mos.	$120Flytrippers Valuation Welcome bonus: 25,000 pts ($250) Earn on min. spend: 2,000 pts ($20) Card fee: deducted (-$150) Also offered but not included in Valuation: additional spend bonus Rewards: $270 Card fee: $150	6 airport lounge passes and no FX fees	ends October 31st
	BMO AIR MILES^®† MasterCard^®* Card: $15k minimum income requiredMinimum personal income of $15,000 or minimum household income of $None Bonus: spend $1k in 3 mos.	≈ $110Flytrippers Valuation Welcome bonus: 800 pts (≈ $96) Earn on min. spend: 120 pts (≈ $14) Card fee: no annual fee (-$0) Rewards: ≈ $110 Card fee: $0	More AIR MILES Rewards
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
Scotiabank Gold American Express^® Card
Card: $0 minimum income requiredNo minimum income required.
Bonus: spend $7.5k in 1y (or $1k)
WELCOME BONUS	ends October 31st
$655Flytrippers Valuation Welcome bonus (after $1k in 3 mos.): 20,000 pts ($200) Welcome bonus (after another $6.5k in 1y): 20,000 pts ($200) Earn on min. spend (1k$): 5,000 pts ($50) Earn on min. spend ($6.5k): 32,500 pts ($325) Card fee: deducted (-$120)
Rewards: $775
Card fee: $120
Best for: Lower spend 5x on food, no FX insurance for lower income
HSBC +Rewards^™ Mastercard^®
Card: $0 minimum income requiredNo minimum income required.
Bonus: no welcome bonus
WELCOME BONUS
–$25Flytrippers Valuation Welcome bonus: none Card fee: deducted (-$25)
Rewards: $0
Card fee: $25
Best for: Non-Amex option no travel insurance
TD Platinum Travel Visa^* Card
Card: $0 minimum income requiredNo minimum income required.
Bonus: spend $1k in 3 mos.
WELCOME BONUS	ends September 3rd
$273Flytrippers Valuation Welcome bonus (after 1st purchase): 15,000 pts ($75) Welcome bonus (after min. spend): 35,000 pts ($175) Earn on min. spend: 4,500 pts ($23) Card fee: 1st year free (-$0)
Rewards: $273
Card fee: $0 $89
Best for: Easy to use simple points with 1st year free
American Express^® Green Card
Card: $0 minimum income requiredNo minimum income required.
Bonus: spend $1k in 3 mos.
WELCOME BONUS
≈ $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
Best for: Valuable Amex points for free
HSBC Travel Rewards Mastercard^® (excl. QC)
Card: $0 minimum income requiredNo minimum income required.
Bonus: no welcome bonus
WELCOME BONUS
$0Flytrippers Valuation Welcome bonus: none Card fee: no annual fee (-$0)
Rewards: $0
Card fee: $0
Best for: Easy & simple travel credit for any trip
HSBC Cash Rewards Mastercard^® (excl. QC)
Card: $0 minimum income requiredNo minimum income required.
Bonus: no welcome bonus
WELCOME BONUS
$0Flytrippers Valuation Welcome bonus: none Card fee: no annual fee (-$0)
Rewards: $0
Card fee: $0
Best for: Easy & simple cash rewards no fee
CIBC Aventura^® Visa* Card
Card: $15k minimum income requiredMinimum personal income of $15,000 or minimum household income of $15,000
Bonus: make 1 purchase (no min.)
WELCOME BONUS
$127Flytrippers Valuation Welcome bonus: 9,500 pts (≈ $105) Activities bonus: 2,000 pts (≈ $22) Card fee: no annual fee Additional bonus also offered if you hold a CIBC chequeing account
Rewards: $127
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)
Best for: Flexible points no-fee card
Scotiabank Passport^® Visa Infinite^* Card
Card: $60k minimum income requiredMinimum personal income of $60,000 or minimum household income of $100,000
Bonus: spend $1k in 3 mos.
WELCOME BONUS	ends October 31st
$120Flytrippers Valuation Welcome bonus: 25,000 pts ($250) Earn on min. spend: 2,000 pts ($20) Card fee: deducted (-$150) Also offered but not included in Valuation: additional spend bonus
Rewards: $270
Card fee: $150
Best for: 6 airport lounge passes and no FX fees
BMO AIR MILES^®† MasterCard^®*
Card: $15k minimum income requiredMinimum personal income of $15,000 or minimum household income of $None
Bonus: spend $1k in 3 mos.
WELCOME BONUS
≈ $110Flytrippers Valuation Welcome bonus: 800 pts (≈ $96) Earn on min. spend: 120 pts (≈ $14) Card fee: no annual fee (-$0)
Rewards: ≈ $110
Card fee: $0
Best for: More AIR MILES Rewards
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).

includeme file="/www/flytripperscom_390/public/php/tables/best-business-cc.php"]

Best business credit cards		WELCOME BONUS ( VALUATION)	Best for
NEW	Business Platinum Card^® from American Express Card: no business required Bonus: spend $15k in 3 mos.	≈ $1002Flytrippers Valuation Welcome bonus: 80,000 pts (≈ $1200) Earn on min. spend: 18,750 pts (≈ $281) Annual travel credit: can be cashed out ($200) Wireless credit: $10 per month ($120) Card fee: deducted (-$799) Also offered but not included in Valuation: renewal bonus of 40,000 pts (≈ $600) Also offered but not included in Valuation: NEXUS credit ($100) Rewards: ≈ $1801 Card fee: $799	Big spenders & luxury travelers
	American Express^® Business Gold Rewards Card Card: no business required Bonus: spend $5k in 3 mos.	≈ $926Flytrippers Valuation Welcome bonus: 70,000 pts (≈ $1050) Earn on min. spend: 5,000 pts (≈ $75) Card fee: deducted (-$199) Also offered but not included in Valuation: quarterly spending bonus Rewards: ≈ $1125 Card fee: $199	More valuable Amex points for Aeroplan or Avios	limited time
	American Express^® Aeroplan^®* Business Reserve Card Card: no business required Bonus: spend $3k/mo for 6 mos.	≈ $414Flytrippers Valuation Monthly bonuses (6 mos.): 45,000 pts (≈ $675) Earn on min. spend: 22,500 pts (≈ $338) Card fee: deducted (-$599) Renewal bonus also offered (not included in Flytrippers Valuation) Bonuses for adding additional cards also offered (not included in Flytrippers Valuation) Rewards: ≈ $1013 Card fee: $599	Frequent Air Canada travel & maximizing Aeroplan
	American Express Business Edge^™ Card Card: no business required Bonus: spend $5k in 3 mos.	≈ $651Flytrippers Valuation Welcome bonus: 45,000 pts (≈ $675) Earn on min. spend: 5,000 pts (≈ $75) Card fee: deducted (-$99) Additional 10X bonus on gas, rides, dining & bars, and office supplies & electronics also offered (not included in Flytrippers Valuation) Additional monthly bonus also offered (not included in Flytrippers Valuation) Rewards: ≈ $750 Card fee: $99	More Amex points and good earn rate	limited time
	Marriott Bonvoy^™ Business American Express^® Card Card: no business required Bonus: spend $1.5k in 3 mos.	≈ $327Flytrippers Valuation Welcome bonus : 50,000 pts (≈ $450) Earn on min. spend: 3,000 pts (≈ $27) Card fee: deducted (-$150) Rewards: ≈ $477 Card fee: $150	Valuable Marriott certificate another must-have
	BMO AIR MILES World Elite^®* Business Mastercard^®* Card: business required Bonus: spend $5k in 3 mos.	≈ $420Flytrippers Valuation Welcome bonus: 3,000 pts (≈ $360) Earn on min. spend: 500 pts (≈ $60) Card fee: 1st year free (-$0) Rewards: ≈ $420 Card fee: $0 $120	AIR MILES Rewards collectors
	BMO World Elite^®* Business Mastercard^®* Card: business required Bonus: spend $5k in 3 mos.	$398Flytrippers Valuation Welcome bonus: 50,000 pts ($333) Earn on min. spend: 9,750 pts ($65) Card fee: first year free (-$0) Additional monthly spend bonus also offered Rewards: $398 Card fee: $0 $120	Easy-to-use fixed-value rewards
	BMO CashBack^® Business Mastercard^®* Card: business required Bonus: spend $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 Bonus: spend $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 business credit cards
NEW Business Platinum Card^® from American Express
Card: no business required
Bonus: spend $15k in 3 mos.
WELCOME BONUS
≈ $1002Flytrippers Valuation Welcome bonus: 80,000 pts (≈ $1200) Earn on min. spend: 18,750 pts (≈ $281) Annual travel credit: can be cashed out ($200) Wireless credit: $10 per month ($120) Card fee: deducted (-$799) Also offered but not included in Valuation: renewal bonus of 40,000 pts (≈ $600) Also offered but not included in Valuation: NEXUS credit ($100)
Rewards: ≈ $1801
Card fee: $799
Best for: Big spenders & luxury travelers
American Express^® Business Gold Rewards Card
Card: no business required
Bonus: spend $5k in 3 mos.
WELCOME BONUS	limited time
≈ $926Flytrippers Valuation Welcome bonus: 70,000 pts (≈ $1050) Earn on min. spend: 5,000 pts (≈ $75) Card fee: deducted (-$199) Also offered but not included in Valuation: quarterly spending bonus
Rewards: ≈ $1125
Card fee: $199
Best for: More valuable Amex points for Aeroplan or Avios
American Express^® Aeroplan^®* Business Reserve Card
Card: no business required
Bonus: spend $3k/mo for 6 mos.
WELCOME BONUS
≈ $414Flytrippers Valuation Monthly bonuses (6 mos.): 45,000 pts (≈ $675) Earn on min. spend: 22,500 pts (≈ $338) Card fee: deducted (-$599) Renewal bonus also offered (not included in Flytrippers Valuation) Bonuses for adding additional cards also offered (not included in Flytrippers Valuation)
Rewards: ≈ $1013
Card fee: $599
Best for: Frequent Air Canada travel & maximizing Aeroplan
American Express Business Edge^™ Card
Card: no business required
Bonus: spend $5k in 3 mos.
WELCOME BONUS	limited time
≈ $651Flytrippers Valuation Welcome bonus: 45,000 pts (≈ $675) Earn on min. spend: 5,000 pts (≈ $75) Card fee: deducted (-$99) Additional 10X bonus on gas, rides, dining & bars, and office supplies & electronics also offered (not included in Flytrippers Valuation) Additional monthly bonus also offered (not included in Flytrippers Valuation)
Rewards: ≈ $750
Card fee: $99
Best for: More Amex points and good earn rate
Marriott Bonvoy^™ Business American Express^® Card
Card: no business required
Bonus: spend $1.5k in 3 mos.
WELCOME BONUS
≈ $327Flytrippers Valuation Welcome bonus : 50,000 pts (≈ $450) Earn on min. spend: 3,000 pts (≈ $27) Card fee: deducted (-$150)
Rewards: ≈ $477
Card fee: $150
Best for: Valuable Marriott certificate another must-have
BMO AIR MILES World Elite^®* Business Mastercard^®*
Card: business required
Bonus: spend $5k in 3 mos.
WELCOME BONUS
≈ $420Flytrippers Valuation Welcome bonus: 3,000 pts (≈ $360) Earn on min. spend: 500 pts (≈ $60) Card fee: 1st year free (-$0)
Rewards: ≈ $420
Card fee: $0 $120
Best for: AIR MILES Rewards collectors
BMO World Elite^®* Business Mastercard^®*
Card: business required
Bonus: spend $5k in 3 mos.
WELCOME BONUS
$398Flytrippers Valuation Welcome bonus: 50,000 pts ($333) Earn on min. spend: 9,750 pts ($65) Card fee: first year free (-$0) Additional monthly spend bonus also offered
Rewards: $398
Card fee: $0 $120
Best for: Easy-to-use fixed-value rewards
BMO CashBack^® Business Mastercard^®*
Card: business required
Bonus: spend $1.5k in 3 mos.*
WELCOME BONUS
$150Flytrippers Valuation Welcome bonus: cashback ($150) Card fee: no annual fee (-$0)
Rewards: $150
Card fee: $0
Best for: Simple cashback rewards
BMO^® AIR MILES^®† No-Fee Business^® Mastercard^®*
Card: business required
Bonus: spend $3k in 3 mos.
WELCOME BONUS
≈ $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
Best for: 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).

includeme file="/www/flytripperscom_390/public/php/tables/best-prepaid-cc.php"]

Best prepaid credit cards		WELCOME BONUS ( VALUATION)	Best for
	KOHO Prepaid Mastercard Card: $0 minimum income requiredNo minimum income required. 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 Card: not available in Québec 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 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 Card: $0 minimum income requiredNo minimum income required. 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.

Best prepaid credit cards
KOHO Prepaid Mastercard
Card: $0 minimum income requiredNo minimum income required.
Bonus: no welcome bonus
WELCOME BONUS
$0Flytrippers Valuation Welcome bonus: none ($0) Card fee: no annual fee (-$0)
Rewards: $0
Card fee: $0
Best for: 0.5% cashback on everything
EQ Bank Card Prepaid Mastercard
Card: not available in Québec
Bonus: no welcome bonus
WELCOME BONUS
$0Flytrippers Valuation Welcome bonus: none ($0) Card fee: no annual fee (-$0)
Rewards: $0
Card fee: $0
Best for: Earn 3% interest & no FX fees/ATM fees
Neo Money^™ Card Prepaid Mastercard
Card: not available in Québec
Bonus: no welcome bonus
WELCOME BONUS
$0Flytrippers Valuation Welcome bonus: none ($0) Card fee: no annual fee (-$0)
Rewards: $0
Card fee: $0
Best for: Earn 2.25% interest & 0.5%+ cashback
CIBC Air Canada conversion^™ Visa^* Prepaid Card
Card: $0 minimum income requiredNo minimum income required.
Bonus: no welcome bonus
WELCOME BONUS
$0Flytrippers Valuation Welcome bonus: none ($0) Card fee: no annual fee (-$0)
Rewards: $0
Card fee: $0
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.

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

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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
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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.