Best credit cards in Canada

March 2025

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

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

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

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

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

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

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

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

Best credit card offers (March 2025)
extended TD First Class Travel^{^®} Visa Infinite^* Card
Min. income (card): $60k or $100kMinimum personal income of $60,000 or minimum household income of $100,000
Min. spend (bonus): $5k in 6 months
WELCOME BONUS ( VALUATION)	offer effective since January 7^th
$1025Flytrippers Valuation Welcome bonus (after 1^st purchase): 20,000 pts ($100) Welcome bonus (after min. spend): 115,000 pts ($575) Earn on min. spend: 30,000 pts ($150) Annual travel credit (2024): On 1^st $500 hotel booking ($100) Annual travel credit (2025): On 1^st $500 hotel booking ($100) Card fee: rebated the 1^st year (-$0)
Rewards: $1025
Annual fee: $0 $139
Best for: Among highest offers ever seen for simple points
American Express^{^®} Gold Rewards Card
Min. income (card): $0No minimum income required.
Min. spend (bonus): $1k/month for 12 months
WELCOME BONUS ( VALUATION)
≈ $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: Lucrative rewards and 4 passes for VIP airport lounges

NEW RBC Avion Visa Infinite Card
Min. income (card): $60k or $100kMinimum personal income of $60,000 or minimum household income of $100,000
Min. spend (bonus): $5k in 6 mos.
WELCOME BONUS ( VALUATION)	ends June 3^rd apply now
≈ $780Flytrippers Valuation Welcome bonus (after 1^st purchase): 35,000 pts (≈ $525) Welcome bonus (after min. spend): 20,000 pts (≈ $300) Earn on min. spend: 5,000 pts (≈ $75) Card fee: deducted (-$120)
Rewards: ≈ $900
Card fee: $120
Best for: Lucrative rewards w/ unlim. value great if you're flexible
American Express Cobalt^{^®} Card
Min. income (card): $0No minimum income required.
Min. spend (bonus): $750/month for 12 months
WELCOME BONUS ( VALUATION)
≈ $744Flytrippers Valuation Welcome bonus: 15,000 pts (≈ $225) Earn on min. spend: 45,000 pts (≈ $675) Card fee: deducted (-$156)
Rewards: ≈ $900
Card fee: $156
Best for: Best overall card in Canada
Scotiabank Gold American Express^{^®} Card
Min. income (card): $12kMinimum personal income of $12,000
Min. spend (bonus): $7.5k in 12 mos. (or $2k for lower bonus)
WELCOME BONUS ( VALUATION)	ends July 1^st
$655Flytrippers Valuation Welcome bonus (after $2k in 3 mos.): 20,000 pts ($200) Welcome bonus (after another $5.5k in 1y): 20,000 pts ($200) Earn on min. spend (2k$): 10,000 pts ($100) Earn on min. spend ($5.5k): 27,500 pts ($275) Card fee: deducted (-$120)
Rewards: $775
Card fee: $120
Best for: Very good travel insurance and earn rate
TD^{^®} Aeroplan^{^®} Visa Infinite* Card
Min. income (card): $60k or $100kMinimum personal income of $60,000 or minimum household income of $100,000
Min. spend (bonus): $12k in 12 mos. (incl. $7.5k in 180 days)^{^†}
WELCOME BONUS ( VALUATION)	offer effective since January 7^th
≈ $641Flytrippers Valuation Welcome bonus (after 1^st purchase): 10,000 pts (≈ $150) Welcome bonus (after $7.5k min. spend): 15,000 pts (≈ $225) Earn on $7.5k min. spend: 7,500 pts (≈ $113) Anniversary bonus (after another $4.5k in spend): 15,000 pts (≈ $225) Earn on another $4.5k in spend: 4,500 pts (≈ $67) Card fee (year 1): rebated the 1^st year (-$0) Card fee (year 2): deducted (-$139)
Rewards: ≈ $641
Annual fee: $0 $139
Best for: Valuable Aeroplan pts and travel benefits like free bags on AC
Platinum Card^{^®} from American Express
Min. income (card): $0No minimum income required.
Min. spend (bonus): $10k in 3 mos.
WELCOME BONUS ( VALUATION)
≈ $652Flytrippers Valuation Welcome bonus: 70,000 pts (≈ $1050) Earn on min. spend: 10,000 pts (≈ $150) Annual travel credit (year 1): can be cashed out ($200) Dining credit (year 1): $200 credit at conservative valuation (≈ $100) Card fee (year 1): deducted (-$799) Renewal bonus: 30,000 pts (≈ $450) Annual travel credit (year 2): can be cashed out ($200) Dining credit (year 2): $200 credit at conservative valuation (≈ $100) Card fee (year 2): deducted (-$799)
Rewards: ≈ $1451
Card fee: $799
Best for: Unlimited access to VIP airport lounges and lucrative rewards
NEW Scotiabank Platinum American Express^{^®} Card
Min. income (card): $12kMinimum personal income of $12,000
Min. spend (bonus): $10k in 14 mos. (or $3k for lower bonus)
WELCOME BONUS ( VALUATION)	ends October 31^st
$601Flytrippers Valuation Welcome bonus (after $3k in 3 mos.): 60,000 pts ($600) Welcome bonus (after another $7k in 14 mos.): 20,000 pts ($200) Earn on min. spend (3k$): 6,000 pts ($60) Earn on min. spend ($7k): 14,000 pts ($140) Card fee: deducted (-$399)
Rewards: $1000
Card fee: $399
Best for: 10 airport lounge passes and no FX fees
NEW TD^{^®} Aeroplan^{^®} Visa* Infinite Privilege* Card
Min. income (card): $150k or $200kMinimum personal income of $150,000 or minimum household income of $200,000
Min. spend (bonus): $24k in 12 mos. (or $12k for lower bonus)
WELCOME BONUS ( VALUATION)	offer effective since January 7^th
≈ $527Flytrippers Valuation Welcome bonus (after 1^st purchase): 20,000 pts (≈ $300) Welcome bonus (after $12k min. spend): 35,000 pts (≈ $525) Earn on 12k min. spend: 15,000 pts (≈ $225) Anniversary bonus (after another $12k in spend): 30,000 pts (≈ $450) Earn on another 12k in spend: 15,000 pts (≈ $225) Card fee (year 1): deducted (-$599) Card fee (year 2): deducted (-$599)
Rewards: ≈ $1126
Annual fee: $599
Best for: For Air Canada lounge access and 6 passes (other lounges)
RBC Avion Visa Infinite Privilege Card
Min. income (card): $200k or $200kMinimum personal income of $200,000 or minimum household income of $200,000
Min. spend (bonus): $5k in 6 mos.
WELCOME BONUS ( VALUATION)	limited time
≈ $520Flytrippers Valuation Welcome bonus (upon approval): 35,000 pts (≈ $525) Welcome bonus (after min. spend): 20,000 pts (≈ $300) Earn on min. spend: 6,250 pts (≈ $94) Card fee: deducted (-$399) Also offered but not included in Valuation: renewal bonus of 15,000 pts (≈ $225)
Rewards: ≈ $919
Card fee: $399
Best for: Lucrative pts and 6 passes for VIP airport lounges
American Express^{^®} Business Gold Rewards Card
Card: no business required
Min. spend (bonus): $7.5k in 3 mos.
WELCOME BONUS ( VALUATION)
≈ $514Flytrippers Valuation Welcome bonus: 40,000 pts (≈ $600) Earn on min. spend: 7,500 pts (≈ $113) Card fee: deducted (-$199) Also offered but not included in Valuation: quarterly spending bonus
Rewards: ≈ $713
Card fee: $199
Best for: More valuable Amex points for Aeroplan or Avios
American Express^{^®} Aeroplan^{^®*} Reserve Card
Min. income (card): $0No minimum income required.
Min. spend (bonus): $7.5k in 3 mos.
WELCOME BONUS ( VALUATION)
≈ $442Flytrippers Valuation Welcome bonus: 60,000 pts (≈ $900) Earn on min. spend: 9,375 pts (≈ $141) Card fee: deducted (-$599) Also offered but not included in Valuation: renewal bonus of 25,000 pts (≈ $375) with extra $2500 spend
Rewards: ≈ $1041
Card fee: $599
Best for: For Air Canada lounge access & other AC benefits
American Express^{^®} Aeroplan^{^®*} Card
Min. income (card): $0No minimum income required.
Min. spend (bonus): $3k in 3 mos. + $1k
WELCOME BONUS ( VALUATION)
≈ $420Flytrippers Valuation Welcome bonus: 30,000 pts (≈ $450) Earn on $3k min. spend: 3,000 pts (≈ $45) Card fee (year 1): deducted (-$120) Renewal bonus: 10,000 pts (≈ $150) Earn on $1k min. spend: 1,000 pts (≈ $15) Card fee (year 2): deducted (-$120)
Rewards: ≈ $540
Card fee: $120
Best for: Valuable Aeroplan pts without min. income and lower min. spend
Marriott Bonvoy^{^™} American Express^{^®} Card
Min. income (card): $0No minimum income required.
Min. spend (bonus): $1.5k in 3 mos.
WELCOME BONUS ( VALUATION)
≈ $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
Marriott Bonvoy^{^™} American Express^{^®} Card
Min. income (card): $0No minimum income required.
Min. spend (bonus): $1.5k in 3 mos.
WELCOME BONUS ( VALUATION)
≈ $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
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 (March 2025)		WELCOME BONUS ( VALUATION)	Best for
extended	TD First Class Travel^{^®} Visa Infinite^* Card Min. income (card): $60k or $100kMinimum personal income of $60,000 or minimum household income of $100,000 Min. spend (bonus): $5k in 6 months	$1025Flytrippers Valuation Welcome bonus (after 1^st purchase): 20,000 pts ($100) Welcome bonus (after min. spend): 115,000 pts ($575) Earn on min. spend: 30,000 pts ($150) Annual travel credit (2024): On 1^st $500 hotel booking ($100) Annual travel credit (2025): On 1^st $500 hotel booking ($100) Card fee: rebated the 1^st year (-$0) Rewards: $1025 Annual fee: $0 $139	Among highest offers ever seen for simple points	offer effective since January 7^th
	American Express^{^®} Gold Rewards Card Min. income (card): $0No minimum income required. Min. spend (bonus): $1k/month for 12 months	≈ $930Flytrippers Valuation Welcome bonus: 60,000 pts (≈ $900) Earn on min. spend: 12,000 pts (≈ $180) Annual credit: can be cashed out ($100) Card fee: deducted (-$250) Also offered but not included in Valuation: NEXUS credit ($50) Rewards: ≈ $1180 Card fee: $250	Lucrative rewards and 4 passes for VIP airport lounges
NEW	RBC Avion Visa Infinite Card Min. income (card): $60k or $100kMinimum personal income of $60,000 or minimum household income of $100,000 Min. spend (bonus): $5k in 6 mos.	≈ $780Flytrippers Valuation Welcome bonus (after 1^st purchase): 35,000 pts (≈ $525) Welcome bonus (after min. spend): 20,000 pts (≈ $300) Earn on min. spend: 5,000 pts (≈ $75) Card fee: deducted (-$120) Rewards: ≈ $900 Card fee: $120	Lucrative rewards w/ unlim. value great if you're flexible	ends June 3^rd apply now
	American Express Cobalt^{^®} Card Min. income (card): $0No minimum income required. Min. spend (bonus): $750/month for 12 months	≈ $744Flytrippers Valuation Welcome bonus: 15,000 pts (≈ $225) Earn on min. spend: 45,000 pts (≈ $675) Card fee: deducted (-$156) Rewards: ≈ $900 Card fee: $156	Best overall card in Canada
	Scotiabank Gold American Express^{^®} Card Min. income (card): $12kMinimum personal income of $12,000 Min. spend (bonus): $7.5k in 12 mos. (or $2k for lower bonus)	$655Flytrippers Valuation Welcome bonus (after $2k in 3 mos.): 20,000 pts ($200) Welcome bonus (after another $5.5k in 1y): 20,000 pts ($200) Earn on min. spend (2k$): 10,000 pts ($100) Earn on min. spend ($5.5k): 27,500 pts ($275) Card fee: deducted (-$120) Rewards: $775 Card fee: $120	Very good travel insurance and earn rate	ends July 1^st
	TD^{^®} Aeroplan^{^®} Visa Infinite* Card Min. income (card): $60k or $100kMinimum personal income of $60,000 or minimum household income of $100,000 Min. spend (bonus): $12k in 12 mos. (incl. $7.5k in 180 days)^{^†}	≈ $641Flytrippers Valuation Welcome bonus (after 1^st purchase): 10,000 pts (≈ $150) Welcome bonus (after $7.5k min. spend): 15,000 pts (≈ $225) Earn on $7.5k min. spend: 7,500 pts (≈ $113) Anniversary bonus (after another $4.5k in spend): 15,000 pts (≈ $225) Earn on another $4.5k in spend: 4,500 pts (≈ $67) Card fee (year 1): rebated the 1^st year (-$0) Card fee (year 2): deducted (-$139) Rewards: ≈ $641 Annual fee: $0 $139	Valuable Aeroplan pts and travel benefits like free bags on AC	offer effective since January 7^th
	Platinum Card^{^®} from American Express Min. income (card): $0No minimum income required. Min. spend (bonus): $10k in 3 mos.	≈ $652Flytrippers Valuation Welcome bonus: 70,000 pts (≈ $1050) Earn on min. spend: 10,000 pts (≈ $150) Annual travel credit (year 1): can be cashed out ($200) Dining credit (year 1): $200 credit at conservative valuation (≈ $100) Card fee (year 1): deducted (-$799) Renewal bonus: 30,000 pts (≈ $450) Annual travel credit (year 2): can be cashed out ($200) Dining credit (year 2): $200 credit at conservative valuation (≈ $100) Card fee (year 2): deducted (-$799) Rewards: ≈ $1451 Card fee: $799	Unlimited access to VIP airport lounges and lucrative rewards
NEW	Scotiabank Platinum American Express^{^®} Card Min. income (card): $12kMinimum personal income of $12,000 Min. spend (bonus): $10k in 14 mos. (or $3k for lower bonus)	$601Flytrippers Valuation Welcome bonus (after $3k in 3 mos.): 60,000 pts ($600) Welcome bonus (after another $7k in 14 mos.): 20,000 pts ($200) Earn on min. spend (3k$): 6,000 pts ($60) Earn on min. spend ($7k): 14,000 pts ($140) Card fee: deducted (-$399) Rewards: $1000 Card fee: $399	10 airport lounge passes and no FX fees	ends October 31^st
NEW	TD^{^®} Aeroplan^{^®} Visa* Infinite Privilege* Card Min. income (card): $150k or $200kMinimum personal income of $150,000 or minimum household income of $200,000 Min. spend (bonus): $24k in 12 mos. (or $12k for lower bonus)	≈ $527Flytrippers Valuation Welcome bonus (after 1^st purchase): 20,000 pts (≈ $300) Welcome bonus (after $12k min. spend): 35,000 pts (≈ $525) Earn on 12k min. spend: 15,000 pts (≈ $225) Anniversary bonus (after another $12k in spend): 30,000 pts (≈ $450) Earn on another 12k in spend: 15,000 pts (≈ $225) Card fee (year 1): deducted (-$599) Card fee (year 2): deducted (-$599) Rewards: ≈ $1126 Annual fee: $599	For Air Canada lounge access and 6 passes (other lounges)	offer effective since January 7^th
	RBC Avion Visa Infinite Privilege Card Min. income (card): $200k or $200kMinimum personal income of $200,000 or minimum household income of $200,000 Min. spend (bonus): $5k in 6 mos.	≈ $520Flytrippers Valuation Welcome bonus (upon approval): 35,000 pts (≈ $525) Welcome bonus (after min. spend): 20,000 pts (≈ $300) Earn on min. spend: 6,250 pts (≈ $94) Card fee: deducted (-$399) Also offered but not included in Valuation: renewal bonus of 15,000 pts (≈ $225) Rewards: ≈ $919 Card fee: $399	Lucrative pts and 6 passes for VIP airport lounges	limited time
	American Express^{^®} Business Gold Rewards Card Card: no business required Min. spend (bonus): $7.5k in 3 mos.	≈ $514Flytrippers Valuation Welcome bonus: 40,000 pts (≈ $600) Earn on min. spend: 7,500 pts (≈ $113) Card fee: deducted (-$199) Also offered but not included in Valuation: quarterly spending bonus Rewards: ≈ $713 Card fee: $199	More valuable Amex points for Aeroplan or Avios
	American Express^{^®} Aeroplan^{^®*} Reserve Card Min. income (card): $0No minimum income required. Min. spend (bonus): $7.5k in 3 mos.	≈ $442Flytrippers Valuation Welcome bonus: 60,000 pts (≈ $900) Earn on min. spend: 9,375 pts (≈ $141) Card fee: deducted (-$599) Also offered but not included in Valuation: renewal bonus of 25,000 pts (≈ $375) with extra $2500 spend Rewards: ≈ $1041 Card fee: $599	For Air Canada lounge access & other AC benefits
	American Express^{^®} Aeroplan^{^®*} Card Min. income (card): $0No minimum income required. Min. spend (bonus): $3k in 3 mos. + $1k	≈ $420Flytrippers Valuation Welcome bonus: 30,000 pts (≈ $450) Earn on $3k min. spend: 3,000 pts (≈ $45) Card fee (year 1): deducted (-$120) Renewal bonus: 10,000 pts (≈ $150) Earn on $1k min. spend: 1,000 pts (≈ $15) Card fee (year 2): deducted (-$120) Rewards: ≈ $540 Card fee: $120	Valuable Aeroplan pts without min. income and lower min. spend
	Marriott Bonvoy^{^™} American Express^{^®} Card Min. income (card): $0No minimum income required. Min. spend (bonus): $1.5k in 3 mos.	≈ $357Flytrippers Valuation Welcome bonus: 50,000 pts (≈ $450) Earn on min. spend: 3,000 pts (≈ $27) Card fee: deducted (-$120) Rewards: ≈ $477 Card fee: $120	Very lucrative hotel points for specific hotels
	Marriott Bonvoy^{^™} American Express^{^®} Card Min. income (card): $0No minimum income required. Min. spend (bonus): $1.5k in 3 mos.	≈ $357Flytrippers Valuation Welcome bonus: 50,000 pts (≈ $450) Earn on min. spend: 3,000 pts (≈ $27) Card fee: deducted (-$120) Rewards: ≈ $477 Card fee: $120	Very lucrative hotel points for specific hotels
Terms and conditions apply. Flytrippers editorial opinion only. Financial institutions are not responsible for maintaining the content on this site. Please click "See More" to see most up-to-date information.

Best credit cards in Canada by category

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

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

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

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

Best cards by category hide

Best credit cards in Canada for groceries

Best credit cards in Canada for airport lounge access

Best credit cards in Canada for flight delay insurance

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

Best credit cards in Canada for Marriott Bonvoy points

Best credit cards in Canada for Aeroplan points

Best credit cards in Canada for Avios points

Best credit cards in Canada for other airline points

Best credit cards in Canada for WestJet dollars

Best credit cards in Canada for AIR MILES Rewards

Best credit cards in Canada for cashback

Best credit cards in Canada with no foreign transaction fees

Best credit cards in Canada for balance transfers

Best credit cards in Canada with low minimum spends

Best credit cards in Canada for businesses

Best prepaid credit cards in Canada

Other upcoming credit card categories

Other upcoming financial categories

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).

Best credit cards for groceries
Best American Express Cobalt^{^®} Card
Min. income (card): $0No minimum income required.
Min. spend (bonus): $750/month for 12 months
WELCOME BONUS ( VALUATION)
≈ $744Flytrippers Valuation Welcome bonus: 15,000 pts (≈ $225) Earn on min. spend: 45,000 pts (≈ $675) Card fee: deducted (-$156)
Rewards: ≈ $900
Card fee: $156
Earn rate on groceries: ≈ 7.5% as Aeroplan/Avios pts $2.5k monthly cap
Best American Express Cobalt^{^®} Card
Min. income (card): $0No minimum income required.
Min. spend (bonus): $750/month for 12 months
WELCOME BONUS ( VALUATION)
$444∗Flytrippers Valuation (*as cash back; ≈ $744 actual Valuation) Welcome bonus: 15,000 pts ($150) Earn on min. spend: 45,000 pts ($450) Card fee: deducted (-$156)
Rewards: $600
Card fee: $156
Earn rate on groceries: 5% as cash back $2.5k monthly cap

Scotiabank Gold American Express^{^®} Card
Min. income (card): $12kMinimum personal income of $12,000
Min. spend (bonus): $7.5k in 12 mos. (or $2k for lower bonus)
WELCOME BONUS ( VALUATION)	ends July 1^st
$655Flytrippers Valuation Welcome bonus (after $2k in 3 mos.): 20,000 pts ($200) Welcome bonus (after another $5.5k in 1y): 20,000 pts ($200) Earn on min. spend (2k$): 10,000 pts ($100) Earn on min. spend ($5.5k): 27,500 pts ($275) Card fee: deducted (-$120)
Rewards: $775
Card fee: $120
Earn rate on groceries: 6% (Sobeys brands) in simple credit $50k annual cap
Scotiabank Gold American Express^{^®} Card
Min. income (card): $12kMinimum personal income of $12,000
Min. spend (bonus): $7.5k in 12 mos. (or $2k for lower bonus)
WELCOME BONUS ( VALUATION)	ends July 1^st
$655Flytrippers Valuation Welcome bonus (after $2k in 3 mos.): 20,000 pts ($200) Welcome bonus (after another $5.5k in 1y): 20,000 pts ($200) Earn on min. spend (2k$): 10,000 pts ($100) Earn on min. spend ($5.5k): 27,500 pts ($275) Card fee: deducted (-$120)
Rewards: $775
Card fee: $120
Earn rate on groceries: 5% in simple credit $50k annual cap
MBNA Rewards World Elite^{^®} Mastercard^{^®}
Min. income (card): $80k or $150kMinimum personal income of $80,000 or minimum household income of $150,000
Min. spend (bonus): $2k in 3 mos. (see QC offer)
WELCOME BONUS ( VALUATION)
$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^{^®}
Min. income (card): $80k or $150kMinimum personal income of $80,000 or minimum household income of $150,000
Min. spend (bonus): $2.3k in 3 mos. (categories)
WELCOME BONUS ( VALUATION)
$230Flytrippers Valuation Welcome bonus (groceries): 10% cash back on $500 ($50) Welcome bonus (gas and EV charging): 10% cash back on $300 ($30) Welcome bonus (bill payments): 10% cash back on $500 ($50) Welcome bonus (other purchases): 10% cash back on $1000 ($100) Card fee: 1^st year free (-$0) Also offered but not included in Valuation: 10% cash back on $300 in mass transit ($30)
Rewards: $230
Card fee: $0 $120
Earn rate on groceries: 5% as cash back $500 monthly cap
SimplyCash^{^®} Preferred Card from American Express
Min. income (card): $0No minimum income required.
Min. spend (bonus): $2k in 3 mos.
WELCOME BONUS ( VALUATION)
$80Flytrippers Valuation Welcome bonus: 10% cash back on $2k ($200) Card fee: deducted (-$120)
Rewards: $200
Card fee: $120
Earn rate on groceries: 4% as cash back $30k annual cap
Scotia Momentum^{^®} Visa Infinite* Card
Min. income (card): $60k or $100kMinimum personal income of $60,000 or minimum household income of $100,000
Min. spend (bonus): $2k in 3 mos.
WELCOME BONUS ( VALUATION)	ends June 30^th
$200Flytrippers Valuation Welcome bonus: 10% cash back on $2k ($200) Card fee: rebated the 1^st year (-$0)
Rewards: $200
Card fee: $0 $120
Earn rate on groceries: 4% as cash back $25k annual cap
BMO eclipse Visa Infinite* Card
Min. income (card): $60k or $100kMinimum personal income of $60,000 or minimum household income of $100,000
Min. spend (bonus): $3k in 3 mos.
WELCOME BONUS ( VALUATION)
$360Flytrippers Valuation Welcome bonus: 30,000 pts ($200) Earn on min. spend: 9,000 pts ($60) Lifestyle credits: two in 1^st year ($100) Card fee: first year free (-$0) Additional monthly spend bonus also offered
Rewards: $360
Card fee: $0 $120
Earn rate on groceries: 3.33% in simple credit $50k annual cap
extended TD First Class Travel^{^®} Visa Infinite^* Card
Min. income (card): $60k or $100kMinimum personal income of $60,000 or minimum household income of $100,000
Min. spend (bonus): $5k in 6 months
WELCOME BONUS ( VALUATION)	offer effective since January 7^th
$1025Flytrippers Valuation Welcome bonus (after 1^st purchase): 20,000 pts ($100) Welcome bonus (after min. spend): 115,000 pts ($575) Earn on min. spend: 30,000 pts ($150) Annual travel credit (2024): On 1^st $500 hotel booking ($100) Annual travel credit (2025): On 1^st $500 hotel booking ($100) Card fee: rebated the 1^st year (-$0)
Rewards: $1025
Annual fee: $0 $139
Earn rate on groceries: 3% in simple pts (6 TD Rewards pts/$) $25k annual cap
TD Cash Back Visa Infinite* Card
Min. income (card): $60k or $100kMinimum personal income of $60,000 or minimum household income of $100,000
Min. spend (bonus): $3.5k in 3 months
WELCOME BONUS ( VALUATION)	offer effective since January 7^th
$350Flytrippers Valuation Welcome bonus (10% earn rate on 3 categories): cash back ($350) Card fee: rebated the 1^st year (-$0)
Rewards: $350
Annual fee: $0 $139
Earn rate on groceries: 3% as cash back $15k annual cap
Tangerine World Mastercard^{^®}
Min. income (card): $50k or $80kMinimum personal income of $50,000 or minimum household income of $80,000
Min. spend (bonus): $1k in 2 mos.
WELCOME BONUS ( VALUATION)	ends January 31^st
$120Flytrippers Valuation Welcome bonus: 10% cash back on $1k ($100) Earn on min. spend: 2% in 3 categories ($20) Card fee: none (-$0)
Rewards: $120
Card fee: $0
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 for groceries		WELCOME BONUS ( VALUATION)	Earn rate on groceries
Best	American Express Cobalt^{^®} Card Min. income (card): $0No minimum income required. Min. spend (bonus): $750/month for 12 months	≈ $744Flytrippers Valuation Welcome bonus: 15,000 pts (≈ $225) Earn on min. spend: 45,000 pts (≈ $675) Card fee: deducted (-$156) Rewards: ≈ $900 Card fee: $156	≈ 7.5% as Aeroplan/Avios pts $2.5k monthly cap
Best	American Express Cobalt^{^®} Card Min. income (card): $0No minimum income required. Min. spend (bonus): $750/month for 12 months	$444∗Flytrippers Valuation (*as cash back; ≈ $744 actual Valuation) Welcome bonus: 15,000 pts ($150) Earn on min. spend: 45,000 pts ($450) Card fee: deducted (-$156) Rewards: $600 Card fee: $156	5% as cash back $2.5k monthly cap
	Scotiabank Gold American Express^{^®} Card Min. income (card): $12kMinimum personal income of $12,000 Min. spend (bonus): $7.5k in 12 mos. (or $2k for lower bonus)	$655Flytrippers Valuation Welcome bonus (after $2k in 3 mos.): 20,000 pts ($200) Welcome bonus (after another $5.5k in 1y): 20,000 pts ($200) Earn on min. spend (2k$): 10,000 pts ($100) Earn on min. spend ($5.5k): 27,500 pts ($275) Card fee: deducted (-$120) Rewards: $775 Card fee: $120	6% (Sobeys brands) in simple credit $50k annual cap	ends July 1^st
	Scotiabank Gold American Express^{^®} Card Min. income (card): $12kMinimum personal income of $12,000 Min. spend (bonus): $7.5k in 12 mos. (or $2k for lower bonus)	$655Flytrippers Valuation Welcome bonus (after $2k in 3 mos.): 20,000 pts ($200) Welcome bonus (after another $5.5k in 1y): 20,000 pts ($200) Earn on min. spend (2k$): 10,000 pts ($100) Earn on min. spend ($5.5k): 27,500 pts ($275) Card fee: deducted (-$120) Rewards: $775 Card fee: $120	5% in simple credit $50k annual cap	ends July 1^st
	MBNA Rewards World Elite^{^®} Mastercard^{^®} Min. income (card): $80k or $150kMinimum personal income of $80,000 or minimum household income of $150,000 Min. spend (bonus): $2k in 3 mos. (see QC offer)	$280Flytrippers Valuation Welcome bonus (after min. spend): 20,000 pts ($200) Welcome bonus (after e-statements): 10,000 pts ($100) Earn on min. spend: 10,000 pts ($100) Card fee: deducted (-$120) Rewards: $400 Card fee: $120	5% as simple points $50k annual cap*
	BMO CashBack^{^®} World Elite^{^®} Mastercard^{^®} Min. income (card): $80k or $150kMinimum personal income of $80,000 or minimum household income of $150,000 Min. spend (bonus): $2.3k in 3 mos. (categories)	$230Flytrippers Valuation Welcome bonus (groceries): 10% cash back on $500 ($50) Welcome bonus (gas and EV charging): 10% cash back on $300 ($30) Welcome bonus (bill payments): 10% cash back on $500 ($50) Welcome bonus (other purchases): 10% cash back on $1000 ($100) Card fee: 1^st year free (-$0) Also offered but not included in Valuation: 10% cash back on $300 in mass transit ($30) Rewards: $230 Card fee: $0 $120	5% as cash back $500 monthly cap
	SimplyCash^{^®} Preferred Card from American Express Min. income (card): $0No minimum income required. Min. spend (bonus): $2k in 3 mos.	$80Flytrippers Valuation Welcome bonus: 10% cash back on $2k ($200) Card fee: deducted (-$120) Rewards: $200 Card fee: $120	4% as cash back $30k annual cap
	Scotia Momentum^{^®} Visa Infinite* Card Min. income (card): $60k or $100kMinimum personal income of $60,000 or minimum household income of $100,000 Min. spend (bonus): $2k in 3 mos.	$200Flytrippers Valuation Welcome bonus: 10% cash back on $2k ($200) Card fee: rebated the 1^st year (-$0) Rewards: $200 Card fee: $0 $120	4% as cash back $25k annual cap	ends June 30^th
	BMO eclipse Visa Infinite* Card Min. income (card): $60k or $100kMinimum personal income of $60,000 or minimum household income of $100,000 Min. spend (bonus): $3k in 3 mos.	$360Flytrippers Valuation Welcome bonus: 30,000 pts ($200) Earn on min. spend: 9,000 pts ($60) Lifestyle credits: two in 1^st year ($100) Card fee: first year free (-$0) Additional monthly spend bonus also offered Rewards: $360 Card fee: $0 $120	3.33% in simple credit $50k annual cap
extended	TD First Class Travel^{^®} Visa Infinite^* Card Min. income (card): $60k or $100kMinimum personal income of $60,000 or minimum household income of $100,000 Min. spend (bonus): $5k in 6 months	$1025Flytrippers Valuation Welcome bonus (after 1^st purchase): 20,000 pts ($100) Welcome bonus (after min. spend): 115,000 pts ($575) Earn on min. spend: 30,000 pts ($150) Annual travel credit (2024): On 1^st $500 hotel booking ($100) Annual travel credit (2025): On 1^st $500 hotel booking ($100) Card fee: rebated the 1^st year (-$0) Rewards: $1025 Annual fee: $0 $139	3% in simple pts (6 TD Rewards pts/$) $25k annual cap	offer effective since January 7^th
	TD Cash Back Visa Infinite* Card Min. income (card): $60k or $100kMinimum personal income of $60,000 or minimum household income of $100,000 Min. spend (bonus): $3.5k in 3 months	$350Flytrippers Valuation Welcome bonus (10% earn rate on 3 categories): cash back ($350) Card fee: rebated the 1^st year (-$0) Rewards: $350 Annual fee: $0 $139	3% as cash back $15k annual cap	offer effective since January 7^th
	Tangerine World Mastercard^{^®} Min. income (card): $50k or $80kMinimum personal income of $50,000 or minimum household income of $80,000 Min. spend (bonus): $1k in 2 mos.	$120Flytrippers Valuation Welcome bonus: 10% cash back on $1k ($100) Earn on min. spend: 2% in 3 categories ($20) Card fee: none (-$0) Rewards: $120 Card fee: $0	2% as cash back no cap	ends January 31^st
Terms and conditions apply. Flytrippers editorial opinion only. Financial institutions are not responsible for maintaining the content on this site. Please click "See More" to see most up-to-date information.

Best credit cards in Canada for airport lounge access

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

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

Best credit cards for airport lounge access
Best Platinum Card^{^®} from American Express
Min. income (card): $0No minimum income required.
Min. spend (bonus): $10k in 3 mos.
WELCOME BONUS ( VALUATION)
≈ $652Flytrippers Valuation Welcome bonus: 70,000 pts (≈ $1050) Earn on min. spend: 10,000 pts (≈ $150) Annual travel credit (year 1): can be cashed out ($200) Dining credit (year 1): $200 credit at conservative valuation (≈ $100) Card fee (year 1): deducted (-$799) Renewal bonus: 30,000 pts (≈ $450) Annual travel credit (year 2): can be cashed out ($200) Dining credit (year 2): $200 credit at conservative valuation (≈ $100) Card fee (year 2): deducted (-$799)
Rewards: ≈ $1451
Card fee: $799
Lounge passes: Unlimited + 1 guest worldwide Priority Pass + more
Scotiabank Passport^{^®} Visa Infinite^* Card
Min. income (card): $60k or $100kMinimum personal income of $60,000 or minimum household income of $100,000
Min. spend (bonus): $2k in 3 mos.
WELCOME BONUS ( VALUATION)	ends July 1^st
$190Flytrippers Valuation Welcome bonus: 30,000 pts ($300) Earn on min. spend: 4,000 pts ($40) Card fee: deducted (-$150) Also offered but not included in Valuation: additional spend bonus of 10,000 pts ($100)
Rewards: $340
Card fee: $150
Lounge passes: 6 passes worldwide DragonPass

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

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

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

Best credit cards with flight delay insurance
Scotiabank Gold American Express^{^®} Card
Min. income (card): $12kMinimum personal income of $12,000
Min. spend (bonus): $7.5k in 12 mos. (or $2k for lower bonus)
WELCOME BONUS ( VALUATION)	ends July 1^st
$655Flytrippers Valuation Welcome bonus (after $2k in 3 mos.): 20,000 pts ($200) Welcome bonus (after another $5.5k in 1y): 20,000 pts ($200) Earn on min. spend (2k$): 10,000 pts ($100) Earn on min. spend ($5.5k): 27,500 pts ($275) Card fee: deducted (-$120)
Rewards: $775
Card fee: $120
Best for: Very good travel insurance and earn rate
extended TD First Class Travel^{^®} Visa Infinite^* Card
Min. income (card): $60k or $100kMinimum personal income of $60,000 or minimum household income of $100,000
Min. spend (bonus): $5k in 6 months
WELCOME BONUS ( VALUATION)	offer effective since January 7^th
$1025Flytrippers Valuation Welcome bonus (after 1^st purchase): 20,000 pts ($100) Welcome bonus (after min. spend): 115,000 pts ($575) Earn on min. spend: 30,000 pts ($150) Annual travel credit (2024): On 1^st $500 hotel booking ($100) Annual travel credit (2025): On 1^st $500 hotel booking ($100) Card fee: rebated the 1^st year (-$0)
Rewards: $1025
Annual fee: $0 $139
Best for: Among highest offers ever seen for simple points

NEW RBC Avion Visa Infinite Card
Min. income (card): $60k or $100kMinimum personal income of $60,000 or minimum household income of $100,000
Min. spend (bonus): $5k in 6 mos.
WELCOME BONUS ( VALUATION)	ends June 3^rd apply now
≈ $780Flytrippers Valuation Welcome bonus (after 1^st purchase): 35,000 pts (≈ $525) Welcome bonus (after min. spend): 20,000 pts (≈ $300) Earn on min. spend: 5,000 pts (≈ $75) Card fee: deducted (-$120)
Rewards: ≈ $900
Card fee: $120
Best for: Lucrative rewards w/ unlim. value great if you're flexible
American Express Cobalt^{^®} Card
Min. income (card): $0No minimum income required.
Min. spend (bonus): $750/month for 12 months
WELCOME BONUS ( VALUATION)
≈ $744Flytrippers Valuation Welcome bonus: 15,000 pts (≈ $225) Earn on min. spend: 45,000 pts (≈ $675) Card fee: deducted (-$156)
Rewards: ≈ $900
Card fee: $156
Best for: Best overall card in Canada
American Express^{^®} Aeroplan^{^®*} Card
Min. income (card): $0No minimum income required.
Min. spend (bonus): $3k in 3 mos. + $1k
WELCOME BONUS ( VALUATION)
≈ $420Flytrippers Valuation Welcome bonus: 30,000 pts (≈ $450) Earn on $3k min. spend: 3,000 pts (≈ $45) Card fee (year 1): deducted (-$120) Renewal bonus: 10,000 pts (≈ $150) Earn on $1k min. spend: 1,000 pts (≈ $15) Card fee (year 2): deducted (-$120)
Rewards: ≈ $540
Card fee: $120
Best for: Valuable Aeroplan pts without min. income and lower min. spend
American Express^{^®} Aeroplan^{^®*} Reserve Card
Min. income (card): $0No minimum income required.
Min. spend (bonus): $7.5k in 3 mos.
WELCOME BONUS ( VALUATION)
≈ $442Flytrippers Valuation Welcome bonus: 60,000 pts (≈ $900) Earn on min. spend: 9,375 pts (≈ $141) Card fee: deducted (-$599) Also offered but not included in Valuation: renewal bonus of 25,000 pts (≈ $375) with extra $2500 spend
Rewards: ≈ $1041
Card fee: $599
Best for: For Air Canada lounge access & other AC benefits
NEW TD^{^®} Aeroplan^{^®} Visa* Infinite Privilege* Card
Min. income (card): $150k or $200kMinimum personal income of $150,000 or minimum household income of $200,000
Min. spend (bonus): $24k in 12 mos. (or $12k for lower bonus)
WELCOME BONUS ( VALUATION)	offer effective since January 7^th
≈ $527Flytrippers Valuation Welcome bonus (after 1^st purchase): 20,000 pts (≈ $300) Welcome bonus (after $12k min. spend): 35,000 pts (≈ $525) Earn on 12k min. spend: 15,000 pts (≈ $225) Anniversary bonus (after another $12k in spend): 30,000 pts (≈ $450) Earn on another 12k in spend: 15,000 pts (≈ $225) Card fee (year 1): deducted (-$599) Card fee (year 2): deducted (-$599)
Rewards: ≈ $1126
Annual fee: $599
Best for: For Air Canada lounge access and 6 passes (other lounges)
Platinum Card^{^®} from American Express
Min. income (card): $0No minimum income required.
Min. spend (bonus): $10k in 3 mos.
WELCOME BONUS ( VALUATION)
≈ $652Flytrippers Valuation Welcome bonus: 70,000 pts (≈ $1050) Earn on min. spend: 10,000 pts (≈ $150) Annual travel credit (year 1): can be cashed out ($200) Dining credit (year 1): $200 credit at conservative valuation (≈ $100) Card fee (year 1): deducted (-$799) Renewal bonus: 30,000 pts (≈ $450) Annual travel credit (year 2): can be cashed out ($200) Dining credit (year 2): $200 credit at conservative valuation (≈ $100) Card fee (year 2): deducted (-$799)
Rewards: ≈ $1451
Card fee: $799
Best for: Unlimited access to VIP airport lounges and lucrative 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 flight delay insurance		WELCOME BONUS ( VALUATION)	Best for
	Scotiabank Gold American Express^{^®} Card Min. income (card): $12kMinimum personal income of $12,000 Min. spend (bonus): $7.5k in 12 mos. (or $2k for lower bonus)	$655Flytrippers Valuation Welcome bonus (after $2k in 3 mos.): 20,000 pts ($200) Welcome bonus (after another $5.5k in 1y): 20,000 pts ($200) Earn on min. spend (2k$): 10,000 pts ($100) Earn on min. spend ($5.5k): 27,500 pts ($275) Card fee: deducted (-$120) Rewards: $775 Card fee: $120	Very good travel insurance and earn rate	ends July 1^st
extended	TD First Class Travel^{^®} Visa Infinite^* Card Min. income (card): $60k or $100kMinimum personal income of $60,000 or minimum household income of $100,000 Min. spend (bonus): $5k in 6 months	$1025Flytrippers Valuation Welcome bonus (after 1^st purchase): 20,000 pts ($100) Welcome bonus (after min. spend): 115,000 pts ($575) Earn on min. spend: 30,000 pts ($150) Annual travel credit (2024): On 1^st $500 hotel booking ($100) Annual travel credit (2025): On 1^st $500 hotel booking ($100) Card fee: rebated the 1^st year (-$0) Rewards: $1025 Annual fee: $0 $139	Among highest offers ever seen for simple points	offer effective since January 7^th
NEW	RBC Avion Visa Infinite Card Min. income (card): $60k or $100kMinimum personal income of $60,000 or minimum household income of $100,000 Min. spend (bonus): $5k in 6 mos.	≈ $780Flytrippers Valuation Welcome bonus (after 1^st purchase): 35,000 pts (≈ $525) Welcome bonus (after min. spend): 20,000 pts (≈ $300) Earn on min. spend: 5,000 pts (≈ $75) Card fee: deducted (-$120) Rewards: ≈ $900 Card fee: $120	Lucrative rewards w/ unlim. value great if you're flexible	ends June 3^rd apply now
	American Express Cobalt^{^®} Card Min. income (card): $0No minimum income required. Min. spend (bonus): $750/month for 12 months	≈ $744Flytrippers Valuation Welcome bonus: 15,000 pts (≈ $225) Earn on min. spend: 45,000 pts (≈ $675) Card fee: deducted (-$156) Rewards: ≈ $900 Card fee: $156	Best overall card in Canada
	American Express^{^®} Aeroplan^{^®*} Card Min. income (card): $0No minimum income required. Min. spend (bonus): $3k in 3 mos. + $1k	≈ $420Flytrippers Valuation Welcome bonus: 30,000 pts (≈ $450) Earn on $3k min. spend: 3,000 pts (≈ $45) Card fee (year 1): deducted (-$120) Renewal bonus: 10,000 pts (≈ $150) Earn on $1k min. spend: 1,000 pts (≈ $15) Card fee (year 2): deducted (-$120) Rewards: ≈ $540 Card fee: $120	Valuable Aeroplan pts without min. income and lower min. spend
	American Express^{^®} Aeroplan^{^®*} Reserve Card Min. income (card): $0No minimum income required. Min. spend (bonus): $7.5k in 3 mos.	≈ $442Flytrippers Valuation Welcome bonus: 60,000 pts (≈ $900) Earn on min. spend: 9,375 pts (≈ $141) Card fee: deducted (-$599) Also offered but not included in Valuation: renewal bonus of 25,000 pts (≈ $375) with extra $2500 spend Rewards: ≈ $1041 Card fee: $599	For Air Canada lounge access & other AC benefits
NEW	TD^{^®} Aeroplan^{^®} Visa* Infinite Privilege* Card Min. income (card): $150k or $200kMinimum personal income of $150,000 or minimum household income of $200,000 Min. spend (bonus): $24k in 12 mos. (or $12k for lower bonus)	≈ $527Flytrippers Valuation Welcome bonus (after 1^st purchase): 20,000 pts (≈ $300) Welcome bonus (after $12k min. spend): 35,000 pts (≈ $525) Earn on 12k min. spend: 15,000 pts (≈ $225) Anniversary bonus (after another $12k in spend): 30,000 pts (≈ $450) Earn on another 12k in spend: 15,000 pts (≈ $225) Card fee (year 1): deducted (-$599) Card fee (year 2): deducted (-$599) Rewards: ≈ $1126 Annual fee: $599	For Air Canada lounge access and 6 passes (other lounges)	offer effective since January 7^th
	Platinum Card^{^®} from American Express Min. income (card): $0No minimum income required. Min. spend (bonus): $10k in 3 mos.	≈ $652Flytrippers Valuation Welcome bonus: 70,000 pts (≈ $1050) Earn on min. spend: 10,000 pts (≈ $150) Annual travel credit (year 1): can be cashed out ($200) Dining credit (year 1): $200 credit at conservative valuation (≈ $100) Card fee (year 1): deducted (-$799) Renewal bonus: 30,000 pts (≈ $450) Annual travel credit (year 2): can be cashed out ($200) Dining credit (year 2): $200 credit at conservative valuation (≈ $100) Card fee (year 2): deducted (-$799) Rewards: ≈ $1451 Card fee: $799	Unlimited access to VIP airport lounges and lucrative rewards
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Best credit cards in Canada for easy fixed-value travel credits

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

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

Best credit cards for easy travel credits
Scotiabank Gold American Express^{^®} Card
Min. income (card): $12kMinimum personal income of $12,000
Min. spend (bonus): $7.5k in 12 mos. (or $2k for lower bonus)
WELCOME BONUS ( VALUATION)	ends July 1^st
$655Flytrippers Valuation Welcome bonus (after $2k in 3 mos.): 20,000 pts ($200) Welcome bonus (after another $5.5k in 1y): 20,000 pts ($200) Earn on min. spend (2k$): 10,000 pts ($100) Earn on min. spend ($5.5k): 27,500 pts ($275) Card fee: deducted (-$120)
Rewards: $775
Card fee: $120
Best for: Very good travel insurance and earn rate
American Express Cobalt^{^®} Card
Min. income (card): $0No minimum income required.
Min. spend (bonus): $750/month for 12 months
WELCOME BONUS ( VALUATION)
$444∗Flytrippers Valuation (*as an easy credit; ≈ $744 actual Valuation) Welcome bonus: 15,000 pts ($150) Earn on min. spend: 45,000 pts ($450) Card fee: deducted (-$156)
Rewards: $600
Card fee: $156
Best for: Big spenders or beginners

NEW RBC Avion Visa Infinite Card
Min. income (card): $60k or $100kMinimum personal income of $60,000 or minimum household income of $100,000
Min. spend (bonus): no min. spend
WELCOME BONUS ( VALUATION)	ends June 3^rd apply now
$230∗Flytrippers Valuation (*as easy credit; ≈ $780 actual Valuation) Welcome bonus (after 1^st purchase): 35,000 pts ($350) Welcome bonus (after min. spend): 20,000 pts ($200) Earn on min. spend: 5,000 pts ($50) Card fee: deducted (-$120)
Rewards: $350
Card fee: $120
Best for: Non-Amex with flexible rewards
TD Platinum Travel Visa^* Card
Min. income (card): $0No minimum income required.
Min. spend (bonus): $1k in 3 months
WELCOME BONUS ( VALUATION)	offer effective since January 7^th
$273Flytrippers Valuation Welcome bonus (after 1^st purchase): 15,000 pts ($75) Welcome bonus (after min. spend): 35,000 pts ($175) Earn on min. spend: 4,500 pts ($23) Card fee: rebated the 1^st year (-$0)
Rewards: $273
Annual fee: $0 $89
Best for: One of the best offers with no min. income required
BMO eclipse rise Visa* Card
Min. income (card): $0No minimum income required.
Min. spend (bonus): $1.5k in 3 mos.
WELCOME BONUS ( VALUATION)
$192Flytrippers Valuation Welcome bonus: 20,000 pts ($133) Payments bonus: 2,500 pts ($17) Uses bonus: 2,500 pts ($17) Earn on min. spend: 3,750 pts ($25) Card fee: no annual fee (-$0) Additional monthly spend bonus also offered
Rewards: $192
Card fee: $0
Best for: One of the highest bonuses (no-fee cards)
American Express^{^®} Gold Rewards Card
Min. income (card): $0No minimum income required.
Min. spend (bonus): $1k/month for 12 months
WELCOME BONUS ( VALUATION)
$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
Platinum Card^{^®} from American Express
Min. income (card): $0No minimum income required.
Min. spend (bonus): $10k in 3 mos.
WELCOME BONUS ( VALUATION)
$102∗Flytrippers Valuation (*as simple credit; ≈ $652 actual Valuation) Welcome bonus: 70,000 pts ($700) Earn on min. spend: 10,000 pts ($100) Annual travel credit (year 1): can be cashed out ($200) Dining credit (year 1): $200 credit at conservative valuation (≈ $100) Card fee (year 1): deducted (-$799) Renewal bonus: 30,000 pts ($300) Annual travel credit (year 2): can be cashed out ($200) Dining credit (year 2): $200 credit at conservative valuation (≈ $100) Card fee (year 2): deducted (-$799)
Rewards: $901
Card fee: $799
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 for easy travel credits		WELCOME BONUS ( VALUATION)	Best for
	Scotiabank Gold American Express^{^®} Card Min. income (card): $12kMinimum personal income of $12,000 Min. spend (bonus): $7.5k in 12 mos. (or $2k for lower bonus)	$655Flytrippers Valuation Welcome bonus (after $2k in 3 mos.): 20,000 pts ($200) Welcome bonus (after another $5.5k in 1y): 20,000 pts ($200) Earn on min. spend (2k$): 10,000 pts ($100) Earn on min. spend ($5.5k): 27,500 pts ($275) Card fee: deducted (-$120) Rewards: $775 Card fee: $120	Very good travel insurance and earn rate	ends July 1^st
	American Express Cobalt^{^®} Card Min. income (card): $0No minimum income required. Min. spend (bonus): $750/month for 12 months	$444∗Flytrippers Valuation (*as an easy credit; ≈ $744 actual Valuation) Welcome bonus: 15,000 pts ($150) Earn on min. spend: 45,000 pts ($450) Card fee: deducted (-$156) Rewards: $600 Card fee: $156	Big spenders or beginners
NEW	RBC Avion Visa Infinite Card Min. income (card): $60k or $100kMinimum personal income of $60,000 or minimum household income of $100,000 Min. spend (bonus): no min. spend	$230∗Flytrippers Valuation (*as easy credit; ≈ $780 actual Valuation) Welcome bonus (after 1^st purchase): 35,000 pts ($350) Welcome bonus (after min. spend): 20,000 pts ($200) Earn on min. spend: 5,000 pts ($50) Card fee: deducted (-$120) Rewards: $350 Card fee: $120	Non-Amex with flexible rewards	ends June 3^rd apply now
	TD Platinum Travel Visa^* Card Min. income (card): $0No minimum income required. Min. spend (bonus): $1k in 3 months	$273Flytrippers Valuation Welcome bonus (after 1^st purchase): 15,000 pts ($75) Welcome bonus (after min. spend): 35,000 pts ($175) Earn on min. spend: 4,500 pts ($23) Card fee: rebated the 1^st year (-$0) Rewards: $273 Annual fee: $0 $89	One of the best offers with no min. income required	offer effective since January 7^th
	BMO eclipse rise Visa* Card Min. income (card): $0No minimum income required. Min. spend (bonus): $1.5k in 3 mos.	$192Flytrippers Valuation Welcome bonus: 20,000 pts ($133) Payments bonus: 2,500 pts ($17) Uses bonus: 2,500 pts ($17) Earn on min. spend: 3,750 pts ($25) Card fee: no annual fee (-$0) Additional monthly spend bonus also offered Rewards: $192 Card fee: $0	One of the highest bonuses (no-fee cards)
	American Express^{^®} Gold Rewards Card Min. income (card): $0No minimum income required. Min. spend (bonus): $1k/month for 12 months	$570∗Flytrippers Valuation (*as a fixed-value credit; ≈ $930 actual Valuation) Welcome bonus: 60,000 pts ($600) Earn on min. spend: 12,000 pts ($120) Annual credit: for travel ($100) Card fee: deducted (-$250) Also offered but not included in Valuation: NEXUS credit ($50) Rewards: $820 Card fee: $250	Those who already have the Cobalt Card
	Platinum Card^{^®} from American Express Min. income (card): $0No minimum income required. Min. spend (bonus): $10k in 3 mos.	$102∗Flytrippers Valuation (*as simple credit; ≈ $652 actual Valuation) Welcome bonus: 70,000 pts ($700) Earn on min. spend: 10,000 pts ($100) Annual travel credit (year 1): can be cashed out ($200) Dining credit (year 1): $200 credit at conservative valuation (≈ $100) Card fee (year 1): deducted (-$799) Renewal bonus: 30,000 pts ($300) Annual travel credit (year 2): can be cashed out ($200) Dining credit (year 2): $200 credit at conservative valuation (≈ $100) Card fee (year 2): deducted (-$799) Rewards: $901 Card fee: $799	Unlimited airport lounge access higher spend req.
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).

Best credit cards for Marriott points
Marriott Bonvoy^{^™} American Express^{^®} Card
Min. income (card): $0No minimum income required.
Min. spend (bonus): $1.5k in 3 mos.
WELCOME BONUS ( VALUATION)
≈ $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
Min. spend (bonus): $5k in 3 mos.
WELCOME BONUS ( VALUATION)
≈ $480Flytrippers Valuation Welcome bonus : 60,000 pts (≈ $540) Earn on min. spend: 10,000 pts (≈ $90) Card fee: deducted (-$150)
Rewards: ≈ $630
Card fee: $150
Marriott points: 70,000 pts after welcome bonus

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

Best credit cards in Canada for Aeroplan points

Aeroplan points are the best airline rewards in Canada.

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

Best credit cards for Aeroplan points
American Express^{^®} Aeroplan^{^®*} Reserve Card
Min. income (card): $0No minimum income required.
Min. spend (bonus): $7.5k in 3 mos.
WELCOME BONUS ( VALUATION)
≈ $442Flytrippers Valuation Welcome bonus: 60,000 pts (≈ $900) Earn on min. spend: 9,375 pts (≈ $141) Card fee: deducted (-$599) Also offered but not included in Valuation: renewal bonus of 25,000 pts (≈ $375) with extra $2500 spend
Rewards: ≈ $1041
Card fee: $599
Aeroplan points: 69,375 pts + unlimited AC lounges & other AC benefits
American Express Cobalt^{^®} Card
Min. income (card): $0No minimum income required.
Min. spend (bonus): $750/month for 12 months
WELCOME BONUS ( VALUATION)
≈ $744Flytrippers Valuation Welcome bonus: 15,000 pts (≈ $225) Earn on min. spend: 45,000 pts (≈ $675) Card fee: deducted (-$156)
Rewards: ≈ $900
Card fee: $156
Aeroplan points: 60,000 pts + 5X the points best card in Canada

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

Avios points are valuable airline rewards for Canadians.

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

Best credit cards for Avios points
American Express^{^®} Gold Rewards Card
Min. income (card): $0No minimum income required.
Min. spend (bonus): $1k/month for 12 months
WELCOME BONUS ( VALUATION)
≈ $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
American Express^{^®} Business Gold Rewards Card
Card: no business required
Min. spend (bonus): $7.5k in 3 mos.
WELCOME BONUS ( VALUATION)
≈ $514Flytrippers Valuation Welcome bonus: 40,000 pts (≈ $600) Earn on min. spend: 7,500 pts (≈ $113) Card fee: deducted (-$199) Also offered but not included in Valuation: quarterly spending bonus
Rewards: ≈ $713
Card fee: $199
Avios points: 47,500 pts + quicker unlocking of pts

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

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

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

Best credit cards for other airline points
NEW Cathay World Elite^{^®} Mastercard^{^®} – powered by Neo (not available in QC)
Min. income (card): $80k or $150kMinimum personal income of $80,000 or minimum household income of $150,000
Min. spend (bonus): $5k in 3 mos.
WELCOME BONUS ( VALUATION)	limited time
≈ $405Flytrippers Valuation Welcome bonus (after 1^st purchase): 20,000 pts (≈ $260) Welcome bonus (after min. spend): 20,000 pts (≈ $260) Earn on min. spend: 5,000 pts (≈ $65) Card fee: deducted (-$180)
Rewards: ≈ $585
Card fee: $180
Best for: 45,000 Asia miles by unlocking bonus & Cathay Pacific benefits
MBNA Rewards World Elite^{^®} Mastercard^{^®}
Min. income (card): $80k or $150kMinimum personal income of $80,000 or minimum household income of $150,000
Min. spend (bonus): $2k in 3 mos. (see QC offer)
WELCOME BONUS ( VALUATION)
≈ $480Flytrippers Valuation Welcome bonus (after min. spend): 20,000 pts (≈ $300) Welcome bonus (after e-statements): 10,000 pts (≈ $150) Earn on min. spend: 10,000 pts (≈ $150) Card fee: deducted (-$120)
Rewards: ≈ $600
Card fee: $120
Best for: 40,000 Alaska miles by unlocking bonus later in 2024

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

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

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

Best credit cards for WestJet dollars
WestJet RBC World Elite Mastercard
Min. income (card): $80k or $150kMinimum personal income of $80,000 or minimum household income of $150,000
Min. spend (bonus): $5k in 3 mos.
WELCOME BONUS ( VALUATION)	ends April 1^st
$406Flytrippers Valuation Welcome bonus (after 1^st purchase): 250 WestJet dollars ($250) Welcome bonus (after min. spend): 200 WestJet dollars ($200) Earn on min. spend: 75 WestJet dollars ($75) Card fee: deducted (-$119)
Rewards: $525
Card fee: $119
Best for: 525 WestJet dollars by unlocking bonus & free bag + BOGO/lounge
WestJet RBC Mastercard
Min. income (card): $0No minimum income required.
Min. spend (bonus): $1k in 3 mos.
WELCOME BONUS ( VALUATION)
$71Flytrippers Valuation Welcome bonus (upon approval): 50 WestJet dollars ($50) Welcome bonus (after min. spend): 50 WestJet dollars ($50) Earn on min. spend: 10 WestJet dollars ($10) Card fee: deducted (-$39)
Rewards: $110
Card fee: $39
Best for: 110 WestJet dollars by unlocking bonus & Buy One Get One ticket

RBC Avion Visa Infinite Privilege Card
Min. income (card): $200k or $200kMinimum personal income of $200,000 or minimum household income of $200,000
Min. spend (bonus): $5k in 6 mos.
WELCOME BONUS ( VALUATION)	limited time
≈ $214∗Flytrippers Valuation (*as WestJet dollars; ≈ $520 actual Valuation) Welcome bonus (upon approval): 35,000 pts ($350) Welcome bonus (after min. spend): 20,000 pts ($200) Earn on min. spend: 6,250 pts ($63) Card fee: deducted (-$399) Also offered but not included in Valuation: renewal bonus of 15,000 pts ($150)
Rewards: ≈ $613
Card fee: $399
Best for: 613 WestJet dollars by unlocking bonus or more valuable uses
NEW RBC Avion Visa Infinite Card
Min. income (card): $60k or $100kMinimum personal income of $60,000 or minimum household income of $100,000
Min. spend (bonus): $5k in 6 mos.
WELCOME BONUS ( VALUATION)	ends June 3^rd apply now
≈ $480∗Flytrippers Valuation (*as WestJet dollars; ≈ $780 actual Valuation) Welcome bonus (after 1^st purchase): 350 dollars ($350) Welcome bonus (after min. spend): 200 dollars ($200) Earn on min. spend: 50 dollars ($50) Card fee: deducted (-$120)
Rewards: ≈ $600
Card fee: $120
Best for: 600 WestJet dollars by unlocking bonus after welcome bonus
RBC Avion Visa Platinum Card
Min. income (card): $0No minimum income required.
Min. spend (bonus): $5k in 6 mos.
WELCOME BONUS ( VALUATION)	ends June 3^rd
≈ $480∗Flytrippers Valuation (*as WestJet dollars; ≈ $780 actual Valuation) Welcome bonus (after 1^st purchase): 350 dollars ($350) Welcome bonus (after min. spend): 200 dollars ($200) Earn on min. spend: 50 dollars ($50) Card fee: deducted (-$120)
Rewards: ≈ $600
Card fee: $120
Best for: 600 WestJet dollars by unlocking bonus after welcome bonus
RBC ION+ Visa Card
Min. income (card): $0No minimum income required.
Min. spend (bonus): $500 in 3 mos.
WELCOME BONUS ( VALUATION)	ends May 7^th
$37∗Flytrippers Valuation (*as WestJet dollars; ≈ $80 actual Valuation) Welcome bonus (on approval): 3,500 pts ($35) Welcome bonus (after min. spend): 3,500 pts ($35) Earn on min. spend: 1,500 pts ($15) Card fee: deducted (-$48)
Rewards: $85
Card fee: $48
Best for: 85 WestJet dollars by unlocking bonus or more valuable uses
RBC ION Visa Card
Min. income (card): $0No minimum income required.
Min. spend (bonus): no min. spend
WELCOME BONUS ( VALUATION)	ends May 7^th
$35∗Flytrippers Valuation (*as WestJet dollars; ≈ $53 actual Valuation) Welcome bonus: 3,500 pts ($35) Card fee: no annual fee (-$0)
Rewards: $35
Card fee: $0
Best for: 35 WestJet dollars by unlocking bonus or more valuable uses
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Best credit cards for WestJet dollars		WELCOME BONUS ( VALUATION)	Best for
	WestJet RBC World Elite Mastercard Min. income (card): $80k or $150kMinimum personal income of $80,000 or minimum household income of $150,000 Min. spend (bonus): $5k in 3 mos.	$406Flytrippers Valuation Welcome bonus (after 1^st purchase): 250 WestJet dollars ($250) Welcome bonus (after min. spend): 200 WestJet dollars ($200) Earn on min. spend: 75 WestJet dollars ($75) Card fee: deducted (-$119) Rewards: $525 Card fee: $119	525 WestJet dollars by unlocking bonus & free bag + BOGO/lounge	ends April 1^st
	WestJet RBC Mastercard Min. income (card): $0No minimum income required. Min. spend (bonus): $1k in 3 mos.	$71Flytrippers Valuation Welcome bonus (upon approval): 50 WestJet dollars ($50) Welcome bonus (after min. spend): 50 WestJet dollars ($50) Earn on min. spend: 10 WestJet dollars ($10) Card fee: deducted (-$39) Rewards: $110 Card fee: $39	110 WestJet dollars by unlocking bonus & Buy One Get One ticket
	RBC Avion Visa Infinite Privilege Card Min. income (card): $200k or $200kMinimum personal income of $200,000 or minimum household income of $200,000 Min. spend (bonus): $5k in 6 mos.	≈ $214∗Flytrippers Valuation (*as WestJet dollars; ≈ $520 actual Valuation) Welcome bonus (upon approval): 35,000 pts ($350) Welcome bonus (after min. spend): 20,000 pts ($200) Earn on min. spend: 6,250 pts ($63) Card fee: deducted (-$399) Also offered but not included in Valuation: renewal bonus of 15,000 pts ($150) Rewards: ≈ $613 Card fee: $399	613 WestJet dollars by unlocking bonus or more valuable uses	limited time
NEW	RBC Avion Visa Infinite Card Min. income (card): $60k or $100kMinimum personal income of $60,000 or minimum household income of $100,000 Min. spend (bonus): $5k in 6 mos.	≈ $480∗Flytrippers Valuation (*as WestJet dollars; ≈ $780 actual Valuation) Welcome bonus (after 1^st purchase): 350 dollars ($350) Welcome bonus (after min. spend): 200 dollars ($200) Earn on min. spend: 50 dollars ($50) Card fee: deducted (-$120) Rewards: ≈ $600 Card fee: $120	600 WestJet dollars by unlocking bonus after welcome bonus	ends June 3^rd apply now
	RBC Avion Visa Platinum Card Min. income (card): $0No minimum income required. Min. spend (bonus): $5k in 6 mos.	≈ $480∗Flytrippers Valuation (*as WestJet dollars; ≈ $780 actual Valuation) Welcome bonus (after 1^st purchase): 350 dollars ($350) Welcome bonus (after min. spend): 200 dollars ($200) Earn on min. spend: 50 dollars ($50) Card fee: deducted (-$120) Rewards: ≈ $600 Card fee: $120	600 WestJet dollars by unlocking bonus after welcome bonus	ends June 3^rd
	RBC ION+ Visa Card Min. income (card): $0No minimum income required. Min. spend (bonus): $500 in 3 mos.	$37∗Flytrippers Valuation (*as WestJet dollars; ≈ $80 actual Valuation) Welcome bonus (on approval): 3,500 pts ($35) Welcome bonus (after min. spend): 3,500 pts ($35) Earn on min. spend: 1,500 pts ($15) Card fee: deducted (-$48) Rewards: $85 Card fee: $48	85 WestJet dollars by unlocking bonus or more valuable uses	ends May 7^th
	RBC ION Visa Card Min. income (card): $0No minimum income required. Min. spend (bonus): no min. spend	$35∗Flytrippers Valuation (*as WestJet dollars; ≈ $53 actual Valuation) Welcome bonus: 3,500 pts ($35) Card fee: no annual fee (-$0) Rewards: $35 Card fee: $0	35 WestJet dollars by unlocking bonus or more valuable uses	ends May 7^th
Terms and conditions apply. Flytrippers editorial opinion only. Financial institutions are not responsible for maintaining the content on this site. Please click "See More" to see most up-to-date information.

Best credit cards in Canada for AIR MILES Rewards

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

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

Best credit cards for AIR MILES Rewards
BMO AIR MILES^{^®^†} World Elite^{^®} MasterCard^{^®}
Min. income (card): $80k or $150kMinimum personal income of $80,000 or minimum household income of $150,000
Min. spend (bonus): $3k in 3 mos.
WELCOME BONUS ( VALUATION)
≈ $249Flytrippers Valuation Welcome bonus (Miles): 2,000 pts (≈ $210) Earn on min. spend: 375 pts (≈ $39) Card fee: 1^st year free (-$0)
Rewards: ≈ $249
Card fee: $0 $120
AIR MILES Miles: 2,375 Miles with welcome bonus & AM elite status
BMO AIR MILES^{^®^†} MasterCard^{^®*}
Min. income (card): $15kMinimum personal income of $15,000
Min. spend (bonus): $1k in 3 mos.
WELCOME BONUS ( VALUATION)
≈ $92Flytrippers Valuation Welcome bonus (Miles): 800 pts (≈ $84) Earn on min. spend: 80 pts (≈ $8) Card fee: none (-$0)
Rewards: ≈ $92
Card fee: $0
AIR MILES Miles: 880 Miles with welcome bonus & Dream/Cash conversions

BMO AIR MILES World Elite^{^®} Business Mastercard^{^®}
Card: business required
Min. spend (bonus): $5k in 3 mos.
WELCOME BONUS ( VALUATION)
$420Flytrippers Valuation Welcome bonus: 3,000 pts (≈ $360) Earn on min. spend: 500 pts (≈ $60) Card fee: 1^st year free (-$0)
Rewards: $420
Card fee: $0 $120
AIR MILES Miles: 3,500 Miles after welcome bonus
BMO^{^®} AIR MILES^{^®^†} No-Fee Business^{^®} Mastercard^{^®*}
Card: business required
Min. spend (bonus): $3k in 3 mos.
WELCOME BONUS ( VALUATION)
$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: 1,150 Miles after welcome bonus
BMO AIR MILES^{^®^†} Mastercard^{^®*} (Student)
Min. income (card): $0No minimum income required.
Min. spend (bonus): $1k in 3 mos.
WELCOME BONUS ( VALUATION)
≈ $92Flytrippers Valuation Welcome bonus: 800 pts (≈ $84) Earn on min. spend: 80 pts (≈ $8) Card fee: none (-$0)
Rewards: ≈ $92
Card fee: $0
AIR MILES Miles: 880 Miles 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 AIR MILES Rewards		WELCOME BONUS ( VALUATION)	AIR MILES Miles
	BMO AIR MILES^{^®^†} World Elite^{^®} MasterCard^{^®} Min. income (card): $80k or $150kMinimum personal income of $80,000 or minimum household income of $150,000 Min. spend (bonus): $3k in 3 mos.	≈ $249Flytrippers Valuation Welcome bonus (Miles): 2,000 pts (≈ $210) Earn on min. spend: 375 pts (≈ $39) Card fee: 1^st year free (-$0) Rewards: ≈ $249 Card fee: $0 $120	2,375 Miles with welcome bonus & AM elite status
	BMO AIR MILES^{^®^†} MasterCard^{^®*} Min. income (card): $15kMinimum personal income of $15,000 Min. spend (bonus): $1k in 3 mos.	≈ $92Flytrippers Valuation Welcome bonus (Miles): 800 pts (≈ $84) Earn on min. spend: 80 pts (≈ $8) Card fee: none (-$0) Rewards: ≈ $92 Card fee: $0	880 Miles with welcome bonus & Dream/Cash conversions
	BMO AIR MILES World Elite^{^®} Business Mastercard^{^®} Card: business required Min. spend (bonus): $5k in 3 mos.	$420Flytrippers Valuation Welcome bonus: 3,000 pts (≈ $360) Earn on min. spend: 500 pts (≈ $60) Card fee: 1^st year free (-$0) Rewards: $420 Card fee: $0 $120	3,500 Miles after welcome bonus
	BMO^{^®} AIR MILES^{^®^†} No-Fee Business^{^®} Mastercard^{^®*} Card: business required Min. spend (bonus): $3k in 3 mos.	$138Flytrippers Valuation Welcome bonus: 1,000 pts (≈ $120) Earn on min. spend: 150 pts (≈ $18) Card fee: no annual fee (-$0) Rewards: $138 Card fee: $0	1,150 Miles after welcome bonus
	BMO AIR MILES^{^®^†} Mastercard^{^®*} (Student) Min. income (card): $0No minimum income required. Min. spend (bonus): $1k in 3 mos.	≈ $92Flytrippers Valuation Welcome bonus: 800 pts (≈ $84) Earn on min. spend: 80 pts (≈ $8) Card fee: none (-$0) Rewards: ≈ $92 Card fee: $0	880 Miles after welcome bonus
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).

Best credit cards for cash back
Scotiabank Gold American Express^{^®} Card
Min. income (card): $12kMinimum personal income of $12,000
Min. spend (bonus): $7.5k in 12 mos. (or $2k for lower bonus)
WELCOME BONUS ( VALUATION)	ends July 1^st
$655Flytrippers Valuation Welcome bonus (after $2k in 3 mos.): 20,000 pts ($200) Welcome bonus (after another $5.5k in 1y): 20,000 pts ($200) Earn on min. spend (2k$): 10,000 pts ($100) Earn on min. spend ($5.5k): 27,500 pts ($275) Card fee: deducted (-$120)
Rewards: $775
Card fee: $120
Earn rate: 6% at Sobeys 5% other food
American Express Cobalt^{^®} Card
Min. income (card): $0No minimum income required.
Min. spend (bonus): $750/month for 12 months
WELCOME BONUS ( VALUATION)
$444∗Flytrippers Valuation (*as cash back; ≈ $744 actual Valuation) Welcome bonus: 15,000 pts ($150) Earn on min. spend: 45,000 pts ($450) Card fee: deducted (-$156)
Rewards: $600
Card fee: $156
Earn rate: 5% on groceries (1-3% elsewhere)

BEST TD Cash Back Visa Infinite* Card
Min. income (card): $60k or $100kMinimum personal income of $60,000 or minimum household income of $100,000
Min. spend (bonus): $3.5k in 3 months
WELCOME BONUS ( VALUATION)	offer effective since January 7^th
$350Flytrippers Valuation Welcome bonus (10% earn rate on 3 categories): cash back ($350) Card fee: rebated the 1^st year (-$0)
Rewards: $350
Annual fee: $0 $139
Earn rate: 3% on groceries, gas, bills (1% elsewhere)
BMO AIR MILES^{^®^†} World Elite^{^®} MasterCard^{^®}
Min. income (card): $80k or $150kMinimum personal income of $80,000 or minimum household income of $150,000
Min. spend (bonus): $3k in 3 mos.
WELCOME BONUS ( VALUATION)
≈ $249Flytrippers Valuation Welcome bonus (Miles): 2,000 pts (≈ $210) Earn on min. spend: 375 pts (≈ $39) Card fee: 1^st year free (-$0)
Rewards: ≈ $249
Card fee: $0 $120
Earn rate: 1.05% (2.63% at AM partners)
BMO CashBack^{^®} World Elite^{^®} Mastercard^{^®}
Min. income (card): $80k or $150kMinimum personal income of $80,000 or minimum household income of $150,000
Min. spend (bonus): $2.3k in 3 mos. (categories)
WELCOME BONUS ( VALUATION)
$230Flytrippers Valuation Welcome bonus (groceries): 10% cash back on $500 ($50) Welcome bonus (gas and EV charging): 10% cash back on $300 ($30) Welcome bonus (bill payments): 10% cash back on $500 ($50) Welcome bonus (other purchases): 10% cash back on $1000 ($100) Card fee: 1^st year free (-$0) Also offered but not included in Valuation: 10% cash back on $300 in mass transit ($30)
Rewards: $230
Card fee: $0 $120
Earn rate: 5% (with monthly cap) on groceries (1-4% elsewhere)
Scotia Momentum^{^®} Visa Infinite* Card
Min. income (card): $60k or $100kMinimum personal income of $60,000 or minimum household income of $100,000
Min. spend (bonus): $2k in 3 mos.
WELCOME BONUS ( VALUATION)	ends June 30^th
$200Flytrippers Valuation Welcome bonus: cashback ($200) Card fee: 1^st year free (-$0)
Rewards: $200
Card fee: $0 $120
Earn rate: 4% on groceries (1-2% elsewhere)
SimplyCash^{^®} Preferred Card from American Express
Min. income (card): $0No minimum income required.
Min. spend (bonus): $2k in 3 mos.
WELCOME BONUS ( VALUATION)
$80Flytrippers Valuation Welcome bonus: 10% cash back on $2k ($200) Card fee: deducted (-$120)
Rewards: $200
Card fee: $120
Earn rate: 4% on groceries/gas (2% elsewhere)
Tangerine World Mastercard^{^®}
Min. income (card): $50k or $80kMinimum personal income of $50,000 or minimum household income of $80,000
Min. spend (bonus): $1k in 2 mos.
WELCOME BONUS ( VALUATION)	ends January 31^st
$120Flytrippers Valuation Welcome bonus: 10% cash back on $1k ($100) Earn on min. spend: 2% in 3 categories ($20) Card fee: none (-$0)
Rewards: $120
Card fee: $0
Earn rate: 2% choice of 3 categories
BMO eclipse rise Visa* Card
Min. income (card): $0No minimum income required.
Min. spend (bonus): $1.5k in 3 mos.
WELCOME BONUS ( VALUATION)
$192Flytrippers Valuation Welcome bonus: 20,000 pts ($133) Payments bonus: 2,500 pts ($17) Uses bonus: 2,500 pts ($17) Earn on min. spend: 3,750 pts ($25) Card fee: no annual fee (-$0) Additional monthly spend bonus also offered
Rewards: $192
Card fee: $0
Earn rate: 1.66% on food no annual fee
SimplyCash^{^®} Card from American Express
Min. income (card): $0No minimum income required.
Min. spend (bonus): $2k in 3 mos.
WELCOME BONUS ( VALUATION)
$100Flytrippers Valuation Welcome bonus: 5% cash back on $2k ($100) Card fee: none (-$0)
Rewards: $100
Card fee: $0
Earn rate: 2% on groceries/gas (1.25% elsewhere)
BMO AIR MILES^{^®^†} MasterCard^{^®*}
Min. income (card): $15kMinimum personal income of $15,000
Min. spend (bonus): $1k in 3 mos.
WELCOME BONUS ( VALUATION)
≈ $92Flytrippers Valuation Welcome bonus (Miles): 800 pts (≈ $84) Earn on min. spend: 80 pts (≈ $8) Card fee: none (-$0)
Rewards: ≈ $92
Card fee: $0
Earn rate: 0.84% on groceries
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		WELCOME BONUS ( VALUATION)	Earn rate
	Scotiabank Gold American Express^{^®} Card Min. income (card): $12kMinimum personal income of $12,000 Min. spend (bonus): $7.5k in 12 mos. (or $2k for lower bonus)	$655Flytrippers Valuation Welcome bonus (after $2k in 3 mos.): 20,000 pts ($200) Welcome bonus (after another $5.5k in 1y): 20,000 pts ($200) Earn on min. spend (2k$): 10,000 pts ($100) Earn on min. spend ($5.5k): 27,500 pts ($275) Card fee: deducted (-$120) Rewards: $775 Card fee: $120	6% at Sobeys 5% other food	ends July 1^st
	American Express Cobalt^{^®} Card Min. income (card): $0No minimum income required. Min. spend (bonus): $750/month for 12 months	$444∗Flytrippers Valuation (*as cash back; ≈ $744 actual Valuation) Welcome bonus: 15,000 pts ($150) Earn on min. spend: 45,000 pts ($450) Card fee: deducted (-$156) Rewards: $600 Card fee: $156	5% on groceries (1-3% elsewhere)
BEST	TD Cash Back Visa Infinite* Card Min. income (card): $60k or $100kMinimum personal income of $60,000 or minimum household income of $100,000 Min. spend (bonus): $3.5k in 3 months	$350Flytrippers Valuation Welcome bonus (10% earn rate on 3 categories): cash back ($350) Card fee: rebated the 1^st year (-$0) Rewards: $350 Annual fee: $0 $139	3% on groceries, gas, bills (1% elsewhere)	offer effective since January 7^th
	BMO AIR MILES^{^®^†} World Elite^{^®} MasterCard^{^®} Min. income (card): $80k or $150kMinimum personal income of $80,000 or minimum household income of $150,000 Min. spend (bonus): $3k in 3 mos.	≈ $249Flytrippers Valuation Welcome bonus (Miles): 2,000 pts (≈ $210) Earn on min. spend: 375 pts (≈ $39) Card fee: 1^st year free (-$0) Rewards: ≈ $249 Card fee: $0 $120	1.05% (2.63% at AM partners)
	BMO CashBack^{^®} World Elite^{^®} Mastercard^{^®} Min. income (card): $80k or $150kMinimum personal income of $80,000 or minimum household income of $150,000 Min. spend (bonus): $2.3k in 3 mos. (categories)	$230Flytrippers Valuation Welcome bonus (groceries): 10% cash back on $500 ($50) Welcome bonus (gas and EV charging): 10% cash back on $300 ($30) Welcome bonus (bill payments): 10% cash back on $500 ($50) Welcome bonus (other purchases): 10% cash back on $1000 ($100) Card fee: 1^st year free (-$0) Also offered but not included in Valuation: 10% cash back on $300 in mass transit ($30) Rewards: $230 Card fee: $0 $120	5% (with monthly cap) on groceries (1-4% elsewhere)
	Scotia Momentum^{^®} Visa Infinite* Card Min. income (card): $60k or $100kMinimum personal income of $60,000 or minimum household income of $100,000 Min. spend (bonus): $2k in 3 mos.	$200Flytrippers Valuation Welcome bonus: cashback ($200) Card fee: 1^st year free (-$0) Rewards: $200 Card fee: $0 $120	4% on groceries (1-2% elsewhere)	ends June 30^th
	SimplyCash^{^®} Preferred Card from American Express Min. income (card): $0No minimum income required. Min. spend (bonus): $2k in 3 mos.	$80Flytrippers Valuation Welcome bonus: 10% cash back on $2k ($200) Card fee: deducted (-$120) Rewards: $200 Card fee: $120	4% on groceries/gas (2% elsewhere)
	Tangerine World Mastercard^{^®} Min. income (card): $50k or $80kMinimum personal income of $50,000 or minimum household income of $80,000 Min. spend (bonus): $1k in 2 mos.	$120Flytrippers Valuation Welcome bonus: 10% cash back on $1k ($100) Earn on min. spend: 2% in 3 categories ($20) Card fee: none (-$0) Rewards: $120 Card fee: $0	2% choice of 3 categories	ends January 31^st
	BMO eclipse rise Visa* Card Min. income (card): $0No minimum income required. Min. spend (bonus): $1.5k in 3 mos.	$192Flytrippers Valuation Welcome bonus: 20,000 pts ($133) Payments bonus: 2,500 pts ($17) Uses bonus: 2,500 pts ($17) Earn on min. spend: 3,750 pts ($25) Card fee: no annual fee (-$0) Additional monthly spend bonus also offered Rewards: $192 Card fee: $0	1.66% on food no annual fee
	SimplyCash^{^®} Card from American Express Min. income (card): $0No minimum income required. Min. spend (bonus): $2k in 3 mos.	$100Flytrippers Valuation Welcome bonus: 5% cash back on $2k ($100) Card fee: none (-$0) Rewards: $100 Card fee: $0	2% on groceries/gas (1.25% elsewhere)
	BMO AIR MILES^{^®^†} MasterCard^{^®*} Min. income (card): $15kMinimum personal income of $15,000 Min. spend (bonus): $1k in 3 mos.	≈ $92Flytrippers Valuation Welcome bonus (Miles): 800 pts (≈ $84) Earn on min. spend: 80 pts (≈ $8) Card fee: none (-$0) Rewards: ≈ $92 Card fee: $0	0.84% on groceries
Terms and conditions apply. Flytrippers editorial opinion only. Financial institutions are not responsible for maintaining the content on this site. Please click "See More" to see most up-to-date information.

Best credit cards in Canada with no foreign transaction fees

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

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

Best credit cards with no foreign transaction fees
EQ Bank Card (Prepaid Mastercard)
Min. income (card): $0No minimum income required.
Min. spend (bonus): no welcome bonus
WELCOME BONUS ( VALUATION)
$0Flytrippers Valuation Welcome bonus: none ($0) Card fee: no annual fee (-$0)
Rewards: $0
Card fee: $0
Other benefit: No fee & no credit check prepaid card
Scotiabank Passport^{^®} Visa Infinite^* Card
Min. income (card): $60k or $100kMinimum personal income of $60,000 or minimum household income of $100,000
Min. spend (bonus): $2k in 3 mos.
WELCOME BONUS ( VALUATION)	ends July 1^st
$190Flytrippers Valuation Welcome bonus: 30,000 pts ($300) Earn on min. spend: 4,000 pts ($40) Card fee: deducted (-$150) Also offered but not included in Valuation: additional spend bonus of 10,000 pts ($100)
Rewards: $340
Card fee: $150
Other benefit: Airport lounge access 6 passes

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

Best credit cards for balance transfers
MBNA True Line^{^®} Mastercard^{^®}
Card: $0 (card NOT available in QC)
Min. spend (bonus): no welcome bonus
WELCOME BONUS ( VALUATION)
$0Flytrippers Valuation Welcome bonus: none ($0) Card fee: no annual fee (-$0)
Rewards: $0
Card fee: $0
Interest rate: 0% for 12 mos 3% transfer fee
Scotiabank Value^{^®} Visa* Card
Min. income (card): $12kMinimum personal income of $12,000
Min. spend (bonus): no welcome bonus offer
WELCOME BONUS ( VALUATION)	ends October 31^st
$0Flytrippers Valuation Welcome bonus: none ($0) Card fee: first year free (-$0)
Rewards: $0
Card fee: $0 $29
Interest rate: 0.99% for 9 mos. 2% transfer fee

BMO eclipse rise Visa* Card
Min. income (card): $0No minimum income required.
Min. spend (bonus): $1.5k in 3 mos.
WELCOME BONUS ( VALUATION)
$192Flytrippers Valuation Welcome bonus: 20,000 pts ($133) Payments bonus: 2,500 pts ($17) Uses bonus: 2,500 pts ($17) Earn on min. spend: 3,750 pts ($25) Card fee: no annual fee (-$0) Additional monthly spend bonus also offered
Rewards: $192
Card fee: $0
Interest rate: 0.99% for 9 mos 2% transfer fee
BMO CashBack^{^®} Mastercard^{^®*}
Min. income (card): $15kMinimum personal income of $15,000
Min. spend (bonus): $2.5k in 3 mos. (categories)
WELCOME BONUS ( VALUATION)
$125Flytrippers Valuation Welcome bonus (groceries): 5% cash back on $500 ($25) Welcome bonus (bill payments): 5% cash back on $500 ($25) Welcome bonus (other purchases): 5% cash back on $1500 ($75) Card fee: none (-$0)
Rewards: $125
Card fee: $0
Interest rate: 0.99% for 9 mos 2% transfer fee
BMO AIR MILES^{^®^†} MasterCard^{^®*}
Min. income (card): $15kMinimum personal income of $15,000
Min. spend (bonus): $1k in 3 mos.
WELCOME BONUS ( VALUATION)
≈ $92Flytrippers Valuation Welcome bonus (Miles): 800 pts (≈ $84) Earn on min. spend: 80 pts (≈ $8) Card fee: none (-$0)
Rewards: ≈ $92
Card fee: $0
Interest rate: 0.99% for 9 mos 2% transfer fee
RBC Visa Classic Low Rate Option Card
Min. income (card): $0No minimum income required.
Min. spend (bonus): no welcome bonus offer
WELCOME BONUS ( VALUATION)	ends February 26^th
$0Flytrippers Valuation Welcome bonus: none ($0) Card fee: first year free (-$0)
Rewards: $0
Card fee: $0 $29
Interest rate: 0.99% for 10 mos. 3% transfer fee
Tangerine Money-Back Card
Min. income (card): $12kMinimum personal income of $12,000
Min. spend (bonus): $1k in 2 mos.
WELCOME BONUS ( VALUATION)	ends January 31^st
$120Flytrippers Valuation Welcome bonus: 10% cash back on $1k ($100) Earn on min. spend: 2% in 3 categories ($20) Card fee: none (-$0)
Rewards: $120
Card fee: $0
Interest rate: 1.95% for 6 mos 1% transfer fee
Tangerine World Mastercard^{^®}
Min. income (card): $50k or $80kMinimum personal income of $50,000 or minimum household income of $80,000
Min. spend (bonus): $1k in 2 mos.
WELCOME BONUS ( VALUATION)	ends January 31^st
$120Flytrippers Valuation Welcome bonus: 10% cash back on $1k ($100) Earn on min. spend: 2% in 3 categories ($20) Card fee: none (-$0)
Rewards: $120
Card fee: $0
Interest rate: 1.95% 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 for balance transfers		WELCOME BONUS ( VALUATION)	Interest rate
	MBNA True Line^{^®} Mastercard^{^®} Card: $0 (card NOT available in QC) Min. spend (bonus): no welcome bonus	$0Flytrippers Valuation Welcome bonus: none ($0) Card fee: no annual fee (-$0) Rewards: $0 Card fee: $0	0% for 12 mos 3% transfer fee
	Scotiabank Value^{^®} Visa* Card Min. income (card): $12kMinimum personal income of $12,000 Min. spend (bonus): no welcome bonus offer	$0Flytrippers Valuation Welcome bonus: none ($0) Card fee: first year free (-$0) Rewards: $0 Card fee: $0 $29	0.99% for 9 mos. 2% transfer fee	ends October 31^st
	BMO eclipse rise Visa* Card Min. income (card): $0No minimum income required. Min. spend (bonus): $1.5k in 3 mos.	$192Flytrippers Valuation Welcome bonus: 20,000 pts ($133) Payments bonus: 2,500 pts ($17) Uses bonus: 2,500 pts ($17) Earn on min. spend: 3,750 pts ($25) Card fee: no annual fee (-$0) Additional monthly spend bonus also offered Rewards: $192 Card fee: $0	0.99% for 9 mos 2% transfer fee
	BMO CashBack^{^®} Mastercard^{^®*} Min. income (card): $15kMinimum personal income of $15,000 Min. spend (bonus): $2.5k in 3 mos. (categories)	$125Flytrippers Valuation Welcome bonus (groceries): 5% cash back on $500 ($25) Welcome bonus (bill payments): 5% cash back on $500 ($25) Welcome bonus (other purchases): 5% cash back on $1500 ($75) Card fee: none (-$0) Rewards: $125 Card fee: $0	0.99% for 9 mos 2% transfer fee
	BMO AIR MILES^{^®^†} MasterCard^{^®*} Min. income (card): $15kMinimum personal income of $15,000 Min. spend (bonus): $1k in 3 mos.	≈ $92Flytrippers Valuation Welcome bonus (Miles): 800 pts (≈ $84) Earn on min. spend: 80 pts (≈ $8) Card fee: none (-$0) Rewards: ≈ $92 Card fee: $0	0.99% for 9 mos 2% transfer fee
	RBC Visa Classic Low Rate Option Card Min. income (card): $0No minimum income required. Min. spend (bonus): no welcome bonus offer	$0Flytrippers Valuation Welcome bonus: none ($0) Card fee: first year free (-$0) Rewards: $0 Card fee: $0 $29	0.99% for 10 mos. 3% transfer fee	ends February 26^th
	Tangerine Money-Back Card Min. income (card): $12kMinimum personal income of $12,000 Min. spend (bonus): $1k in 2 mos.	$120Flytrippers Valuation Welcome bonus: 10% cash back on $1k ($100) Earn on min. spend: 2% in 3 categories ($20) Card fee: none (-$0) Rewards: $120 Card fee: $0	1.95% for 6 mos 1% transfer fee	ends January 31^st
	Tangerine World Mastercard^{^®} Min. income (card): $50k or $80kMinimum personal income of $50,000 or minimum household income of $80,000 Min. spend (bonus): $1k in 2 mos.	$120Flytrippers Valuation Welcome bonus: 10% cash back on $1k ($100) Earn on min. spend: 2% in 3 categories ($20) Card fee: none (-$0) Rewards: $120 Card fee: $0	1.95% for 6 mos 1% transfer fee	ends January 31^st
Terms and conditions apply. Flytrippers editorial opinion only. Financial institutions are not responsible for maintaining the content on this site. Please click "See More" to see most up-to-date information.

Best credit cards in Canada with low minimum spends

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

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

Best credit cards with low minimum spends
Scotiabank Gold American Express^{^®} Card
Min. income (card): $12kMinimum personal income of $12,000
Min. spend (bonus): $2k in 3 mos. (or $7.5k for full bonus)
WELCOME BONUS ( VALUATION)	ends July 1^st
$180∗Flytrippers Valuation (*with low min. spend; ≈ $655 actual Valuation) Welcome bonus (after $2k in 3 mos.): 20,000 pts ($200) Earn on min. spend (2k$): 10,000 pts ($100) Card fee: deducted (-$120)
Rewards: $300
Card fee: $120
Best for: Lower spend 5x on food, no FX insurance for lower income
TD Platinum Travel Visa^* Card
Min. income (card): $0No minimum income required.
Min. spend (bonus): $1k in 3 months
WELCOME BONUS ( VALUATION)	offer effective since January 7^th
$273Flytrippers Valuation Welcome bonus (after 1^st purchase): 15,000 pts ($75) Welcome bonus (after min. spend): 35,000 pts ($175) Earn on min. spend: 4,500 pts ($23) Card fee: rebated the 1^st year (-$0)
Rewards: $273
Annual fee: $0 $89
Best for: Easy to use simple points no annual fee (1^st year)

BMO eclipse rise Visa* Card
Min. income (card): $0No minimum income required.
Min. spend (bonus): $1.5k in 3 mos.
WELCOME BONUS ( VALUATION)
$192Flytrippers Valuation Welcome bonus: 20,000 pts ($133) Payments bonus: 2,500 pts ($17) Uses bonus: 2,500 pts ($17) Earn on min. spend: 3,750 pts ($25) Card fee: no annual fee (-$0) Additional monthly spend bonus also offered
Rewards: $192
Card fee: $0
Best for: One of the highest bonuses (no-fee cards)
American Express^{^®} Green Card
Min. income (card): $0No minimum income required.
Min. spend (bonus): $1k in 3 mos.
WELCOME BONUS ( VALUATION)
≈ $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
CIBC Aventura^{^®} Visa* Card
Min. income (card): $15k or $15kMinimum personal income of $15,000 or minimum household income of $15,000
Min. spend (bonus): no min. (4 actions)
WELCOME BONUS ( VALUATION)
≈ $20Flytrippers Valuation Welcome bonus (4 easy activities): 2,000 pts (≈ $20) Card fee: no annual fee (-$0) Additional bonus also offered if you hold a CIBC chequing account
Rewards: ≈ $20
Card fee: showFee: $0^† Annual Interest Rate (purchases): 20.99%^† Annual Interest Rate (balance transfer): 22.99%^†, 21.99%^† (for Québec residents) Annual Interest Rate (cash advance): 22.99%^†, 21.99%^† (for Québec residents)
Best for: Flexible points no-fee card
Scotiabank Passport^{^®} Visa Infinite^* Card
Min. income (card): $60k or $100kMinimum personal income of $60,000 or minimum household income of $100,000
Min. spend (bonus): $2k in 3 mos.
WELCOME BONUS ( VALUATION)	ends July 1^st
$190Flytrippers Valuation Welcome bonus: 30,000 pts ($300) Earn on min. spend: 4,000 pts ($40) Card fee: deducted (-$150) Also offered but not included in Valuation: additional spend bonus of 10,000 pts ($100)
Rewards: $340
Card fee: $150
Best for: 6 airport lounge passes and no FX fees
BMO AIR MILES^{^®^†} MasterCard^{^®*}
Min. income (card): $15kMinimum personal income of $15,000
Min. spend (bonus): $1k in 3 mos.
WELCOME BONUS ( VALUATION)
≈ $92Flytrippers Valuation Welcome bonus (Miles): 800 pts (≈ $84) Earn on min. spend: 80 pts (≈ $8) Card fee: none (-$0)
Rewards: ≈ $92
Card fee: $0
Best for: More AIR MILES Rewards
moi RBC^{^®} Visa^‡ Card
Min. income (card): $0No minimum income required.
Min. spend (bonus): $2k in 12 mos. (or $500 for lower bonus)
WELCOME BONUS ( VALUATION)	ends July 8^th
$112Flytrippers Valuation Welcome bonus (after approval): 3,000 pts ($24) Welcome bonus (after $500 in 3 mos.): 3,500 pts ($28) Welcome bonus (after another $1.5k in 1y): 3,500 pts ($28) Earn on min. spend (500$): 1,000 pts ($8) Earn on min. spend ($1.5k): 3,000 pts ($24) Card fee: none (-$0)
Rewards: $112
Card fee: $0
Best for: Grocery rewards For QC residents
Terms and conditions apply. Flytrippers editorial opinion only. Financial institutions are not responsible for maintaining the content on this site. Please click "See More" to see most up-to-date information.

Best credit cards with low minimum spends		WELCOME BONUS ( VALUATION)	Best for
	Scotiabank Gold American Express^{^®} Card Min. income (card): $12kMinimum personal income of $12,000 Min. spend (bonus): $2k in 3 mos. (or $7.5k for full bonus)	$180∗Flytrippers Valuation (*with low min. spend; ≈ $655 actual Valuation) Welcome bonus (after $2k in 3 mos.): 20,000 pts ($200) Earn on min. spend (2k$): 10,000 pts ($100) Card fee: deducted (-$120) Rewards: $300 Card fee: $120	Lower spend 5x on food, no FX insurance for lower income	ends July 1^st
	TD Platinum Travel Visa^* Card Min. income (card): $0No minimum income required. Min. spend (bonus): $1k in 3 months	$273Flytrippers Valuation Welcome bonus (after 1^st purchase): 15,000 pts ($75) Welcome bonus (after min. spend): 35,000 pts ($175) Earn on min. spend: 4,500 pts ($23) Card fee: rebated the 1^st year (-$0) Rewards: $273 Annual fee: $0 $89	Easy to use simple points no annual fee (1^st year)	offer effective since January 7^th
	BMO eclipse rise Visa* Card Min. income (card): $0No minimum income required. Min. spend (bonus): $1.5k in 3 mos.	$192Flytrippers Valuation Welcome bonus: 20,000 pts ($133) Payments bonus: 2,500 pts ($17) Uses bonus: 2,500 pts ($17) Earn on min. spend: 3,750 pts ($25) Card fee: no annual fee (-$0) Additional monthly spend bonus also offered Rewards: $192 Card fee: $0	One of the highest bonuses (no-fee cards)
	American Express^{^®} Green Card Min. income (card): $0No minimum income required. Min. spend (bonus): $1k in 3 mos.	≈ $165Flytrippers Valuation Welcome bonus: 10,000 pts (≈ $150) Earn on min. spend: 1,000 pts (≈ $15) Card fee: no annual fee (-$0) Rewards: ≈ $165 Card fee: $0	Valuable Amex points for free
	CIBC Aventura^{^®} Visa* Card Min. income (card): $15k or $15kMinimum personal income of $15,000 or minimum household income of $15,000 Min. spend (bonus): no min. (4 actions)	≈ $20Flytrippers Valuation Welcome bonus (4 easy activities): 2,000 pts (≈ $20) Card fee: no annual fee (-$0) Additional bonus also offered if you hold a CIBC chequing account Rewards: ≈ $20 Card fee: showFee: $0^† Annual Interest Rate (purchases): 20.99%^† Annual Interest Rate (balance transfer): 22.99%^†, 21.99%^† (for Québec residents) Annual Interest Rate (cash advance): 22.99%^†, 21.99%^† (for Québec residents)	Flexible points no-fee card
	Scotiabank Passport^{^®} Visa Infinite^* Card Min. income (card): $60k or $100kMinimum personal income of $60,000 or minimum household income of $100,000 Min. spend (bonus): $2k in 3 mos.	$190Flytrippers Valuation Welcome bonus: 30,000 pts ($300) Earn on min. spend: 4,000 pts ($40) Card fee: deducted (-$150) Also offered but not included in Valuation: additional spend bonus of 10,000 pts ($100) Rewards: $340 Card fee: $150	6 airport lounge passes and no FX fees	ends July 1^st
	BMO AIR MILES^{^®^†} MasterCard^{^®*} Min. income (card): $15kMinimum personal income of $15,000 Min. spend (bonus): $1k in 3 mos.	≈ $92Flytrippers Valuation Welcome bonus (Miles): 800 pts (≈ $84) Earn on min. spend: 80 pts (≈ $8) Card fee: none (-$0) Rewards: ≈ $92 Card fee: $0	More AIR MILES Rewards
	moi RBC^{^®} Visa^‡ Card Min. income (card): $0No minimum income required. Min. spend (bonus): $2k in 12 mos. (or $500 for lower bonus)	$112Flytrippers Valuation Welcome bonus (after approval): 3,000 pts ($24) Welcome bonus (after $500 in 3 mos.): 3,500 pts ($28) Welcome bonus (after another $1.5k in 1y): 3,500 pts ($28) Earn on min. spend (500$): 1,000 pts ($8) Earn on min. spend ($1.5k): 3,000 pts ($24) Card fee: none (-$0) Rewards: $112 Card fee: $0	Grocery rewards For QC residents	ends July 8^th
Terms and conditions apply. Flytrippers editorial opinion only. Financial institutions are not responsible for maintaining the content on this site. Please click "See More" to see most up-to-date information.

Best credit cards in Canada for businesses

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

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

Best business credit cards
Business Platinum Card^{^®} from American Express
Card: no business required
Min. spend (bonus): $15k in 3 mos.
WELCOME BONUS ( VALUATION)
≈ $1123Flytrippers Valuation Welcome bonus: 80,000 pts (≈ $1200) Earn on min. spend: 18,750 pts (≈ $281) Annual travel credit (year 1): can be cashed out ($200) Wireless credit (year 1): $10 per month ($120) Card fee (year 1): deducted (-$799) Renewal bonus: 40,000 pts (≈ $600) Annual travel credit (year 1): can be cashed out ($200) Wireless credit (year 2): $10 per month ($120) Card fee (year 2): deducted (-$799)
Rewards: ≈ $1922
Card fee: $799
Best for: Big spenders & luxury travelers
American Express^{^®} Business Gold Rewards Card
Card: no business required
Min. spend (bonus): $7.5k in 3 mos.
WELCOME BONUS ( VALUATION)
≈ $514Flytrippers Valuation Welcome bonus: 40,000 pts (≈ $600) Earn on min. spend: 7,500 pts (≈ $113) Card fee: deducted (-$199) Also offered but not included in Valuation: quarterly spending bonus
Rewards: ≈ $713
Card fee: $199
Best for: More valuable Amex points for Aeroplan or Avios

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

Best prepaid credit cards in Canada

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

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

Best prepaid credit cards
KOHO Prepaid Mastercard
Min. income (card): $0No minimum income required.
Min. spend (bonus): no welcome bonus
WELCOME BONUS ( VALUATION)
$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)
Min. income (card): $0No minimum income required.
Min. spend (bonus): no welcome bonus
WELCOME BONUS ( VALUATION)
$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
Min. spend (bonus): no welcome bonus
WELCOME BONUS ( VALUATION)
$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
Min. income (card): $0No minimum income required.
Min. spend (bonus): no welcome bonus
WELCOME BONUS ( VALUATION)
$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.

Best prepaid credit cards		WELCOME BONUS ( VALUATION)	Best for
	KOHO Prepaid Mastercard Min. income (card): $0No minimum income required. Min. spend (bonus): no welcome bonus	$0Flytrippers Valuation Welcome bonus: none ($0) Card fee: no annual fee (-$0) Rewards: $0 Card fee: $0	0.5% cashback on everything
	EQ Bank Card (Prepaid Mastercard) Min. income (card): $0No minimum income required. Min. spend (bonus): no welcome bonus	$0Flytrippers Valuation Welcome bonus: none ($0) Card fee: no annual fee (-$0) Rewards: $0 Card fee: $0	Earn 3% interest & no FX fees/ATM fees
	Neo Money^{^™} Card Prepaid Mastercard Card: not available in Québec Min. spend (bonus): no welcome bonus	$0Flytrippers Valuation Welcome bonus: none ($0) Card fee: no annual fee (-$0) Rewards: $0 Card fee: $0	Earn 2.25% interest & 0.5%+ cashback
	CIBC Air Canada conversion^{^™} Visa^* Prepaid Card Min. income (card): $0No minimum income required. Min. spend (bonus): no welcome bonus	$0Flytrippers Valuation Welcome bonus: none ($0) Card fee: no annual fee (-$0) Rewards: $0 Card fee: $0	10 different currencies & 1%+ cashback
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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
Best cryptocurrency platforms
More to be announced later

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How our ranking of the best credit cards works

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

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

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

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

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

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

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

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

How we calculate our Flytrippers Valuation

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

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

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

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

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

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

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

Reminder of credit card basics

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

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

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

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

How to choose the best credit cards for you

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

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

1. Your level of ambition for travel rewards overall

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

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

If your level of ambition is higher and you want to maximize your rewards, you’ll focus on the welcome bonuses.

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

Similarly, many travelers do not want to learn anything about how rewards work. There are 2 types of travel rewards: fixed-value rewards and variable-value rewards. Fixed-value rewards are very simple but will be a lot less valuable than variable-value rewards.

If you don’t want to invest any time, don’t want to be flexible, and don’t want to learn how to maximize the rewards, you should stick to easy fixed-value rewards as these are extremely simple and flexible.

If you want to invest a bit of time, be flexible, and maximize your rewards, you’ll focus on variable-value points that can offer outsized value and unlimited value. We’ll show you how you can easily maximize these.

3. Your income level

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

If you earn under $60,000 per year (or $100,000 in combined income with your spouse), there are simply fewer options. It’s even more important to focus on welcome bonuses and variable-value rewards to get a thousand dollars per year in travel rewards in that situation (and to start generating non-employment income of any kind; see below).

If you earn over between $60,000 and $80,000 per year, you have access to almost all offers. Over $80,000 per year (or $150,000 in combined income with your spouse) will give you access to all offers except some very premium cards.

If you have non-employment income (reselling online, side gig of any kind, etc.) you’ll have access to many small business cards that are very worthwhile.

4. Your spending habits

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

Never spend more to earn rewards, never. We do have tips to reach these minimum spend requirements (including prepaying future expenses) but make sure you look at the credit cards’ specific requirements.

If you can spend $1,500 in 3 months ($115/week), you’ll have access to most welcome bonuses. If you can spend $1,000 in 3 months ($231/week), you’ll have access to almost all welcome bonuses.

5. Your other cards

If you are a beginner, you probably only have a few cards so you need to make sure at least one covers you for travel insurance. If not, that’s a more important benefit than for someone who is sure to be covered by one of their many other cards anyway.

The cards already in your wallet are important in your card strategy, because if you already have a stash of hotel points and want points that can be used for flights, you need to take that into account. As for any financial strategy, diversification is a lot safer. You don’t want to have just one type of rewards in your portfolio.

6. Your desire for travel benefits

As we just saw, our Flytrippers Valuation only takes into account concrete value and we never assign value to subjective benefits like airport lounge access or any other things that you might value at more than $0 yourself.

So if you do value airport lounge access or other travel benefits, it might be worth sacrificing a bit of total value in terms of travel rewards to get them.

7. Your travel preferences

Finally, how you travel will be the major factor in deciding between a few cards that fit your profile.

The exact use you’ll make of your rewards is what will determine the value you’ll get from them, so by understanding what you can get with each card’s rewards (which we’ll make a lot easier in our new credit card pages), you’ll be able to make the best decision.

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Flytrippers travel rewards terms & conditions

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

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

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

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

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

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

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

You can learn more about our terms of use here.

Best credit cards in Canada

March 2025

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

Best credit cards in Canada by category

Best credit cards in Canada for groceries

Best credit cards in Canada for airport lounge access

Best credit cards in Canada for flight delay insurance

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

Best credit cards in Canada for Marriott Bonvoy points

Best credit cards in Canada for Aeroplan points

Best credit cards in Canada for Avios points

Best credit cards in Canada for other airline points

Best credit cards in Canada for WestJet dollars

Best credit cards in Canada for AIR MILES Rewards

Best credit cards in Canada for cashback

Best credit cards in Canada with no foreign transaction fees

Best credit cards in Canada for balance transfers

Best credit cards in Canada with low minimum spends

Best credit cards in Canada for businesses

Best prepaid credit cards in Canada

Other upcoming credit card categories

Other upcoming financial categories

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

How our ranking of the best credit cards works

How we calculate our Flytrippers Valuation

Reminder of credit card basics

How to choose the best credit cards for you

Get all our travel rewards tips

Subscribe to receive our free travel rewards newsletter with strategies, guides, and more.