free. forever.
Best credit cards in Canada
May 2025
Getting new credit cards is one of the best ways for Canadians to travel more for less.
It’s how we easily get over a thousand dollars in travel rewards every year ourselves, all the while improving our credit score and getting plenty of other awesome travel benefits.
The key is to choose cards among the best credit cards in Canada (offers change constantly) and to always pay balances on-time and in full.
Here’s our monthly ranking, which focuses mainly on our Flytrippers Valuation of the credit cards’ welcome bonuses alone, since that’s what will be the same for any type of traveler—and because that is what is most important to maximize travel rewards.
(More details about how the ranking works or our Flytrippers Valuation.)
Flytrippers ranking of the best credit card offers in Canada (May 2025)
These are the best of the best, the credit cards with the highest welcome bonus offers in Canada right now. You can’t go wrong with any of these credit cards that all offer at least hundreds of dollars in travel rewards with their welcome bonuses alone, but we help you choose below too.
You can watch our detailed video about the best credit card offers in Canada this month (and come see the next video live).
| Best credit card offers (May 2025) |
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 Valuation (BONUS)(20.5% back on $5k)
Rewards: $1025
Annual fee: $0 $139
Spend required:$5k in 6 mos.
Best for: Among highest offers ever seen for simple points
 SIMPLE
60k/100k
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Valuation (BONUS) (≈ 28.3% back on $3k)
Rewards: ≈ $969
Card fee: $120
Spend required:$3k in 3 mos. spend $3k
in 3 mos. (OR $20k in 12 mos. for 110k pts)
Best for: Very lucrative hotel points for specific hotels
 LUCRATIVE
No min. inc.
ends August 18th
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Valuation (BONUS) (≈ 15.6% back on $6k)
Rewards: ≈ $1083
Card fee: $150
Spend required:$6k in 3 mos.
Best for: For those who already have the one above
LUCRATIVE
No min. inc.
ends August 18th
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| 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. |
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Best credit card offers (May 2025) |
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SIMPLE 60k/100k
Valuation (BONUS)
Rewards: $1025
Annual fee: $0 $139 (20.5% back on $5k)
Spend required:
$5k in 6 mos.
Best for: Among highest offers ever seen for simple points
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LUCRATIVE No min. inc.
Valuation (BONUS)
Rewards: ≈ $969
Card fee: $120 (≈ 28.3% back on $3k)
Spend required:
$3k in 3 mos. spend $3k
in 3 mos. (OR $20k in 12 mos. for 110k pts) Best for: Very lucrative hotel points for specific hotels
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LUCRATIVE No min. inc.
Valuation (BONUS)
Rewards: ≈ $1083
Card fee: $150 (≈ 15.6% back on $6k)
Spend required:
$6k in 3 mos.
Best for: For those who already have the one above
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 SIMPLE80k/150k
Valuation (BONUS)
Rewards: ≈ $1590
Card fee: $0 $199 (≈ 8.8% back on $18k)
Spend required:
$18k in 12 mos. (or $5k/$9k)
Best for: Incredible offer for those with more spending
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SIMPLE No min. inc.
Valuation (BONUS)
Rewards: ≈ $750
Card fee: $0 $89 (≈ 7.5% back on $10k)
Spend required:
$10k in 12 mos. (or $3k/$6k)
Best for: Great offer for those with more spending
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 LUCRATIVENo min. inc.
Valuation (BONUS)
Rewards: ≈ $1180
Card fee: $250 (≈ 7.8% back on $12k)
Spend required:
$12k in 12 mos.
Best for: Lucrative rewards and 4 passes for VIP airport lounges
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 LUCRATIVE60k/100k
Valuation (BONUS)
Rewards: ≈ $900
Card fee: $120 (≈ 15.6% back on $5k)
Spend required:
$5k in 6 mos.
Best for: Lucrative rewards w/ unlim. value great if you're flexible
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LUCRATIVE No min. inc.
Valuation (BONUS)
Rewards: ≈ $900
Card fee: $156 (≈ 8.3% back on $9k)
Spend required:
$9k in 12 mos.
Best for: Best overall card in Canada
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 SIMPLE12k
Valuation (BONUS)
Rewards: $775
Card fee: $120 (8.7% back on $7.5k)
Spend required:
$7.5k in 12 mos. (or $2k)
Best for: Very good travel insurance and earn rate
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 LUCRATIVE60k/100k
Valuation (BONUS)
Rewards: ≈ $641
Annual fee: $0 $139 (≈ 5.3% back on $12k)
Spend required:
$12k in 12 mos. spend $12k in 12 mos.
(incl. $7.5k in 180 days)† Best for: Valuable Aeroplan pts and travel benefits like free bags on AC
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LUCRATIVENo min. inc.
Valuation (BONUS)
Rewards: ≈ $1451
Card fee: $799 (≈ 6.5% back on $10k)
Spend required:
$10k in 3 mos.
Best for: Unlimited access to VIP airport lounges and lucrative rewards
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SIMPLE12k
Valuation (BONUS)
Rewards: $1000
Card fee: $399 (6.0% back on $10k)
Spend required:
$10k in 14 mos. (or $3k)
Best for: 10 airport lounge passes and no FX fees
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LUCRATIVE150k/200k
Valuation (BONUS)
Rewards: ≈ $1126
Annual fee: $599 (≈ 2.2% back on $24k)
Spend required:
$24k in 12 mos. (or $12k)
Best for: For Air Canada lounge access and 6 passes (other lounges)
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LUCRATIVE200k/200k
Valuation (BONUS)
Rewards: ≈ $919
Card fee: $399 (≈ 10.4% back on $5k)
Spend required:
$5k in 6 mos.
Best for: Lucrative pts and 6 passes for VIP airport lounges
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LUCRATIVE No min. inc.
Valuation (BONUS)
Rewards: ≈ $1041
Card fee: $599 (≈ 5.9% back on $7.5k)
Spend required:
$7.5k in 3 mos.
Best for: For Air Canada lounge access & other AC benefits
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| 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
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Best credit cards in Canada for groceries
A lot of travel rewards beginners have a hard time understanding that earn rates aren’t as important as welcome bonuses, so we figured adding this section would be a great opportunity to remind you. But with groceries being such a big expense, these cards are great for those getting started out.
You can read our detailed page about the best credit cards in Canada for groceries (coming soon).
| Best credit cards for groceries |
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Valuation (BONUS) (≈ 8.3% back on $9k)
Rewards: ≈ $900
Card fee: $156
Spend required:$9k in 12 mos.
Best for: ≈ 7.5% as Aeroplan/Avios pts $2.5k monthly cap
LUCRATIVE
No min. inc.
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Valuation (BONUS) (4.9% back on $9k)
Rewards: $600
Card fee: $156
Spend required:$9k in 12 mos.
Best for: 5% as cash back $2.5k monthly cap
LUCRATIVE
No min. inc.
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Valuation (BONUS) (8.7% back on $7.5k)
Rewards: $775
Card fee: $120
Spend required:$7.5k in 12 mos. (or $2k)
Best for: 6% (Sobeys brands) in simple credit $50k annual cap
SIMPLE
12k
ends July 1st
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| 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. |
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Best credit cards for groceries |
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LUCRATIVE No min. inc.
Valuation (BONUS)
Rewards: ≈ $900
Card fee: $156 (≈ 8.3% back on $9k)
Spend required:
$9k in 12 mos.
Best for: ≈ 7.5% as Aeroplan/Avios pts $2.5k monthly cap
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LUCRATIVE No min. inc.
Valuation (BONUS)
Rewards: $600
Card fee: $156 (4.9% back on $9k)
Spend required:
$9k in 12 mos.
Best for: 5% as cash back $2.5k monthly cap
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SIMPLE 12k
Valuation (BONUS)
Rewards: $775
Card fee: $120 (8.7% back on $7.5k)
Spend required:
$7.5k in 12 mos. (or $2k)
Best for: 6% (Sobeys brands) in simple credit $50k annual cap
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SIMPLE 12k
Valuation (BONUS)
Rewards: $775
Card fee: $120 (8.7% back on $7.5k)
Spend required:
$7.5k in 12 mos. (or $2k)
Best for: 5% in simple credit $50k annual cap
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SIMPLE
80k/150k
Valuation (BONUS)
Rewards: $400
Card fee: $120 Best for: 5% as simple points $50k annual cap*
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💲SIMPLE
80k/150k
Valuation (BONUS)
Rewards: $230
Card fee: $0 $120 (10% back on $2.3k)
Spend required:
$2.3k in 3 mos. (categories)
Best for: 5% as cash back $500 monthly cap
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SIMPLE
No min. inc.
Valuation (BONUS)
Rewards: $200
Card fee: $120 (4% back on $2k)
Spend required:
$2k in 3 mos.
Best for: 4% as cash back $30k annual cap
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💲SIMPLE
60k/100k
Valuation (BONUS)
Rewards: $200
Card fee: $0 $120 (10% back on $2k)
Spend required:
$2k in 3 mos.
Best for: 4% as cash back $25k annual cap
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SIMPLE
60k/100k
Valuation (BONUS)
Rewards: $360
Card fee: $0 $120 (12% back on $3k)
Spend required:
$3k in 3 mos.
Best for: 3.33% in simple credit $50k annual cap
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SIMPLE 60k/100k
Valuation (BONUS)
Rewards: $1025
Annual fee: $0 $139 (20.5% back on $5k)
Spend required:
$5k in 6 mos.
Best for: 3% in simple pts (6 TD Rewards pts/$) $25k annual cap
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💲SIMPLE
60k/100k
Valuation (BONUS)
Rewards: $350
Annual fee: $0 $139 (10% back on $3.5k)
Spend required:
$3.5k in 3 mos.
Best for: 3% as cash back $15k annual cap
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SIMPLE
50k/80k
Valuation (BONUS)
Rewards: $120
Card fee: $0 (12% back on $1k)
Spend required:
$1k in 2 mos.
Best for: 2% as cash back no cap
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| 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 |
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Valuation (BONUS) (≈ 6.5% back on $10k)
Rewards: ≈ $1451
Card fee: $799
Spend required:$10k in 3 mos.
Best for: Unlimited + 1 guest worldwide Priority Pass + more
LUCRATIVE
No min. inc.
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Valuation (BONUS) (9.5% back on $2k)
Rewards: $340
Card fee: $150
Spend required:$2k in 3 mos.
Best for: 6 passes worldwide DragonPass
SIMPLE
60k/100k
ends July 1st
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Valuation (BONUS) (≈ 5.9% back on $7.5k)
Rewards: ≈ $1041
Card fee: $599
Spend required:$7.5k in 3 mos.
Best for: Unlimited + 1 guest in North America Air Canada Lounges (on *A)
LUCRATIVE
No min. inc.
ends August 18th
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| 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. |
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Best credit cards for airport lounge access |
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LUCRATIVE No min. inc.
Valuation (BONUS)
Rewards: ≈ $1451
Card fee: $799 (≈ 6.5% back on $10k)
Spend required:
$10k in 3 mos.
Best for: Unlimited + 1 guest worldwide Priority Pass + more
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SIMPLE60k/100k
Valuation (BONUS)
Rewards: $340
Card fee: $150 (9.5% back on $2k)
Spend required:
$2k in 3 mos.
Best for: 6 passes worldwide DragonPass
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LUCRATIVENo min. inc.
Valuation (BONUS)
Rewards: ≈ $1041
Card fee: $599 (≈ 5.9% back on $7.5k)
Spend required:
$7.5k in 3 mos.
Best for: Unlimited + 1 guest in North America Air Canada Lounges (on *A)
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LUCRATIVE No min. inc.
Valuation (BONUS)
Rewards: ≈ $1180
Card fee: $250 (≈ 7.8% back on $12k)
Spend required:
$12k in 12 mos.
Best for: 4 passes in Canada Plaza Premium only
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SIMPLE 12k
Valuation (BONUS)
Rewards: $1000
Card fee: $399 (6.0% back on $10k)
Spend required:
$10k in 14 mos. (or $3k)
Best for: 10 passes worldwide Priority Pass & Plaza Premium
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SIMPLE
150k/200k
Valuation (BONUS)
Rewards: $853
Card fee: $599 (4.2% back on $6k)
Spend required:
$6k in 3 mos.
Best for: 6 passes worldwide DragonPass
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LUCRATIVE 150k/200k
Valuation (BONUS)
Rewards: ≈ $1126
Annual fee: $599 (≈ 2.2% back on $24k)
Spend required:
$24k in 12 mos. (or $12k)
Best for: Unlimited + 1 guest in North America AC Lounges* + 6 DragonPass
|
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SIMPLE
80k/150k
Valuation (BONUS)
Rewards: $330
Card fee: $0 $150 (7.3% back on $4.5k)
Spend required:
$4.5k in 3 mos.
Best for: 4 passes worldwide DragonPass
|
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LUCRATIVENo min. inc.
Valuation (BONUS)
Rewards: ≈ $1922
Card fee: $799 (≈ 7.5% back on $15k)
Spend required:
$15k in 3 mos.
Best for: Unlimited + 1 guest worldwide Priority Pass + more
|
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LUCRATIVENo min. inc.
Valuation (BONUS)
Rewards: ≈ $1172
Card fee: $599 (≈ 5.5% back on $10.5k)
Spend required:
$10.5k in 3 mos.
Best for: Unlimited + 1 guest in North America Air Canada Lounges (on *A)
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| 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 |
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|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
|
Valuation (BONUS) (8.7% back on $7.5k)
Rewards: $775
Card fee: $120
Spend required:$7.5k in 12 mos. (or $2k)
Best for: Very good travel insurance and earn rate
SIMPLE
12k
ends July 1st
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|
Valuation (BONUS) (20.5% back on $5k)
Rewards: $1025
Annual fee: $0 $139
Spend required:$5k in 6 mos.
Best for: Among highest offers ever seen for simple points
SIMPLE
60k/100k
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|
Valuation (BONUS) (≈ 15.6% back on $5k)
Rewards: ≈ $900
Card fee: $120
Spend required:$5k in 6 mos.
Best for: Lucrative rewards w/ unlim. value great if you're flexible
LUCRATIVE
60k/100k
ends June 11th
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| 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 |
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SIMPLE 12k
Valuation (BONUS)
Rewards: $775
Card fee: $120 (8.7% back on $7.5k)
Spend required:
$7.5k in 12 mos. (or $2k)
Best for: Very good travel insurance and earn rate
|
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|
SIMPLE 60k/100k
Valuation (BONUS)
Rewards: $1025
Annual fee: $0 $139 (20.5% back on $5k)
Spend required:
$5k in 6 mos.
Best for: Among highest offers ever seen for simple points
|
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|
LUCRATIVE 60k/100k
Valuation (BONUS)
Rewards: ≈ $900
Card fee: $120 (≈ 15.6% back on $5k)
Spend required:
$5k in 6 mos.
Best for: Lucrative rewards w/ unlim. value great if you're flexible
|
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|
LUCRATIVE No min. inc.
Valuation (BONUS)
Rewards: ≈ $900
Card fee: $156 (≈ 8.3% back on $9k)
Spend required:
$9k in 12 mos.
Best for: Best overall card in Canada
|
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LUCRATIVENo min. inc.
Valuation (BONUS)
Rewards: ≈ $540
Card fee: $120 (≈ 14.0% back on $3k)
Spend required:
$3k in 3 mos. + $1k
Best for: Valuable Aeroplan pts without min. income and lower min. spend
|
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|
LUCRATIVE No min. inc.
Valuation (BONUS)
Rewards: ≈ $1041
Card fee: $599 (≈ 5.9% back on $7.5k)
Spend required:
$7.5k in 3 mos.
Best for: For Air Canada lounge access & other AC benefits
|
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|
LUCRATIVE 150k/200k
Valuation (BONUS)
Rewards: ≈ $1126
Annual fee: $599 (≈ 2.2% back on $24k)
Spend required:
$24k in 12 mos. (or $12k)
Best for: For Air Canada lounge access and 6 passes (other lounges)
|
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|
LUCRATIVE No min. inc.
Valuation (BONUS)
Rewards: ≈ $1451
Card fee: $799 (≈ 6.5% back on $10k)
Spend required:
$10k in 3 mos.
Best for: Unlimited access to VIP airport lounges and lucrative rewards
|
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| Terms and conditions apply. Flytrippers editorial opinion only. Financial institutions are not responsible for maintaining the content on this site. Please click "See More" to see most up-to-date information. |
Best credit cards in Canada for easy fixed-value travel credits
While 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 |
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|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
|
Valuation (BONUS) (8.7% back on $7.5k)
Rewards: $775
Card fee: $120
Spend required:$7.5k in 12 mos. (or $2k)
Best for: Very good travel insurance and earn rate
SIMPLE
12k
ends July 1st
|
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|
Valuation (BONUS) (4.9% back on $9k)
Rewards: $600
Card fee: $156
Spend required:$9k in 12 mos.
Best for: Big spenders or beginners
LUCRATIVE
No min. inc.
|
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|
Valuation (BONUS) Rewards: $350
Card fee: $120
Spend required:$0 no min.
spend
Best for: Non-Amex with flexible rewards
LUCRATIVE
60k/100k
ends June 11th
|
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| 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 |
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|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
|
SIMPLE 12k
Valuation (BONUS)
Rewards: $775
Card fee: $120 (8.7% back on $7.5k)
Spend required:
$7.5k in 12 mos. (or $2k)
Best for: Very good travel insurance and earn rate
|
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LUCRATIVENo min. inc.
Valuation (BONUS)
Rewards: $600
Card fee: $156 (4.9% back on $9k)
Spend required:
$9k in 12 mos.
Best for: Big spenders or beginners
|
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|
LUCRATIVE 60k/100k
Valuation (BONUS)
Rewards: $350
Card fee: $120 Spend required:
$0 no min.
spend Best for: Non-Amex with flexible rewards
|
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SIMPLENo min. inc.
Valuation (BONUS)
Rewards: $273
Annual fee: $0 $89 (27.3% back on $1k)
Spend required:
$1k in 3 mos.
Best for: One of the best offers with no min. income required
|
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SIMPLE
No min. inc.
Valuation (BONUS)
Rewards: $192
Card fee: $0 (12.8% back on $1.5k)
Spend required:
$1.5k in 3 mos.
Best for: One of the highest bonuses (no-fee cards)
|
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|
LUCRATIVE No min. inc.
Valuation (BONUS)
Rewards: $820
Card fee: $250 (4.8% back on $12k)
Spend required:
$12k in 12 mos.
Best for: Those who already have the Cobalt Card
|
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|
LUCRATIVE No min. inc.
Valuation (BONUS)
Rewards: $901
Card fee: $799 (1.0% back on $10k)
Spend required:
$10k in 3 mos.
Best for: Unlimited airport lounge access higher spend req.
|
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| 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 |
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|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
|
Valuation (BONUS) (≈ 28.3% back on $3k)
Rewards: ≈ $969
Card fee: $120
Spend required:$3k in 3 mos.
Best for: 86,000 pts after welcome bonus
LUCRATIVE
No min. inc.
ends August 18th
|
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|
Valuation (BONUS) (≈ 15.6% back on $6k)
Rewards: ≈ $1083
Card fee: $150
Spend required:$6k in 3 mos.
Best for: 102,000 pts after welcome bonus
LUCRATIVE
No min. inc.
ends August 18th
|
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|
Valuation (BONUS) (≈ 5.2% back on $12k)
Rewards: ≈ $878
Card fee: $250
Spend required:$12k in 12 mos.
Best for: 86,400 pts after welcome bonus
LUCRATIVE
No min. inc.
|
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| 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 |
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|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
|
LUCRATIVE No min. inc.
Valuation (BONUS)
Rewards: ≈ $969
Card fee: $120 (≈ 28.3% back on $3k)
Spend required:
$3k in 3 mos.
Best for: 86,000 pts after welcome bonus
|
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|
LUCRATIVE No min. inc.
Valuation (BONUS)
Rewards: ≈ $1083
Card fee: $150 (≈ 15.6% back on $6k)
Spend required:
$6k in 3 mos.
Best for: 102,000 pts after welcome bonus
|
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|
LUCRATIVE No min. inc.
Valuation (BONUS)
Rewards: ≈ $878
Card fee: $250 (≈ 5.2% back on $12k)
Spend required:
$12k in 12 mos.
Best for: 86,400 pts after welcome bonus
|
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|
LUCRATIVE No min. inc.
Valuation (BONUS)
Rewards: ≈ $648
Card fee: $156 (≈ 5.5% back on $9k)
Spend required:
$9k in 12 mos.
Best for: 72,000 pts after welcome bonus
|
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|
LUCRATIVE No min. inc.
Valuation (BONUS)
Rewards: ≈ $791
Card fee: $799 (≈ -0.1% back on $10k)
Spend required:
$10k in 3 mos.
Best for: 132,000 pts after welcome bonus
|
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LUCRATIVENo min. inc.
Valuation (BONUS)
Rewards: ≈ $713
Card fee: $199 (≈ 6.9% back on $7.5k)
Spend required:
$7.5k in 3 mos.
Best for: 57,000 pts after welcome bonus
|
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|
LUCRATIVE No min. inc.
Valuation (BONUS)
Rewards: ≈ $1639
Card fee: $799 (≈ 5.6% back on $15k)
Spend required:
$15k in 3 mos.
Best for: 166,500 pts after welcome bonus
|
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LUCRATIVENo min. inc.
Valuation (BONUS)
Rewards: ≈ $119
Card fee: $0 (≈ 11.9% back on $1k)
Spend required:
$1k in 3 mos.
Best for: 13,200 pts after welcome bonus
|
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| 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 |
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|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
|
Valuation (BONUS) (≈ 5.9% back on $7.5k)
Rewards: ≈ $1041
Card fee: $599
Spend required:$7.5k in 3 mos.
Best for: 69,375 pts + unlimited AC lounges & other AC benefits
LUCRATIVE
No min. inc.
ends August 18th
|
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|
Valuation (BONUS) (≈ 8.3% back on $9k)
Rewards: ≈ $900
Card fee: $156
Spend required:$9k in 12 mos.
Best for: 60,000 pts + 5X the points best card in Canada
LUCRATIVE
No min. inc.
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
Valuation (BONUS) (≈ 5.3% back on $12k)
Rewards: ≈ $641
Annual fee: $0 $139
Spend required:$12k in 12 mos. (incl. $7.5k in 180 days)†
Best for: 40k pts with bonus (52,000 pts total) 40k + 12k on min. spend
LUCRATIVE
60k/100k
|
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| Terms and conditions apply. Flytrippers editorial opinion only. Financial institutions are not responsible for maintaining the content on this site. Please click "See More" to see most up-to-date information. |
|
Best credit cards for Aeroplan points |
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
|
LUCRATIVE No min. inc.
Valuation (BONUS)
Rewards: ≈ $1041
Card fee: $599 (≈ 5.9% back on $7.5k)
Spend required:
$7.5k in 3 mos.
Best for: 69,375 pts + unlimited AC lounges & other AC benefits
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
LUCRATIVE No min. inc.
Valuation (BONUS)
Rewards: ≈ $900
Card fee: $156 (≈ 8.3% back on $9k)
Spend required:
$9k in 12 mos.
Best for: 60,000 pts + 5X the points best card in Canada
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
LUCRATIVE 60k/100k
Valuation (BONUS)
Rewards: ≈ $641
Annual fee: $0 $139 (≈ 5.3% back on $12k)
Spend required:
$12k in 12 mos. (incl. $7.5k in 180 days)†
Best for: 40k pts with bonus (52,000 pts total) 40k + 12k on min. spend
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
LUCRATIVE No min. inc.
Valuation (BONUS)
Rewards: ≈ $540
Card fee: $120 (≈ 14.0% back on $3k)
Spend required:
$3k in 3 mos. + $1k
Best for: 44,000 pts + a free bag on Air Canada
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
LUCRATIVE No min. inc.
Valuation (BONUS)
Rewards: ≈ $1451
Card fee: $799 (≈ 6.5% back on $10k)
Spend required:
$10k in 3 mos.
Best for: 110,000 pts + unlimited PP lounges and $200 travel credit
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
LUCRATIVE No min. inc.
Valuation (BONUS)
Rewards: ≈ $1180
Card fee: $250 (≈ 7.8% back on $12k)
Spend required:
$12k in 12 mos.
Best for: 72,000 pts + 4 lounges and $100 travel credit
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
LUCRATIVE 150k/200k
Valuation (BONUS)
Rewards: ≈ $1126
Annual fee: $599 (≈ 2.2% back on $24k)
Spend required:
$24k in 12 mos. (or $12k)
Best for: 85k pts with bonus (115,000 pts total) 85k + 30k on min. spend
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
LUCRATIVENo min. inc.
Valuation (BONUS)
Rewards: ≈ $315
Annual fee: $0 $89 (≈ 31.5% back on $1k)
Spend required:
$1k in 3 mos.
Best for: 20k pts with bonus (21,000 pts total) 20k + 1k on min. spend
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
LUCRATIVE No min. inc.
Valuation (BONUS)
Rewards: ≈ $713
Card fee: $199 (≈ 6.9% back on $7.5k)
Spend required:
$7.5k in 3 mos.
Best for: 47,500 pts + simpler min. spend structure
|
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|
LUCRATIVE No min. inc.
Valuation (BONUS)
Rewards: ≈ $165
Card fee: $0 (≈ 16.5% back on $1k)
Spend required:
$1k in 3 mos.
Best for: 11,000 pts + no fees but way less value
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Terms and conditions apply. Flytrippers editorial opinion only. Financial institutions are not responsible for maintaining the content on this site. Please click "See More" to see most up-to-date information. |
Best credit cards in Canada for Avios points
Avios points are valuable airline rewards for Canadians.
You can read our detailed page about the best credit cards in Canada for Avios points (coming soon).
| Best credit cards for Avios points |
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|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
|
Valuation (BONUS) (≈ 7.8% back on $12k)
Rewards: ≈ $1180
Card fee: $250
Spend required:$12k in 12 mos.
Best for: 72,000 pts + 4 lounge passes and $100 travel credit
LUCRATIVE
No min. inc.
|
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|
Valuation (BONUS) (≈ 6.9% back on $7.5k)
Rewards: ≈ $713
Card fee: $199
Spend required:$7.5k in 3 mos.
Best for: 47,500 pts + quicker unlocking of pts
LUCRATIVE
No min. inc.
|
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|
Valuation (BONUS) (≈ 15.6% back on $5k)
Rewards: ≈ $900
Card fee: $120
Spend required:$5k in 6 mos.
Best for: 60,000 pts + wider acceptance than Amex
LUCRATIVE
60k/100k
ends June 11th
|
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| 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 |
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|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
|
LUCRATIVE No min. inc.
Valuation (BONUS)
Rewards: ≈ $1180
Card fee: $250 (≈ 7.8% back on $12k)
Spend required:
$12k in 12 mos.
Best for: 72,000 pts + 4 lounge passes and $100 travel credit
|
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|
LUCRATIVE No min. inc.
Valuation (BONUS)
Rewards: ≈ $713
Card fee: $199 (≈ 6.9% back on $7.5k)
Spend required:
$7.5k in 3 mos.
Best for: 47,500 pts + quicker unlocking of pts
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
LUCRATIVE 60k/100k
Valuation (BONUS)
Rewards: ≈ $900
Card fee: $120 (≈ 15.6% back on $5k)
Spend required:
$5k in 6 mos.
Best for: 60,000 pts + wider acceptance than Amex
|
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|
LUCRATIVE 200k/200k
Valuation (BONUS)
Rewards: ≈ $919
Card fee: $399 (≈ 10.4% back on $5k)
Spend required:
$5k in 6 mos.
Best for: 60,000 pts + 6 passes for airport lounges
|
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|
LUCRATIVE No min. inc.
Valuation (BONUS)
Rewards: ≈ $900
Card fee: $156 (≈ 8.3% back on $9k)
Spend required:
$9k in 12 mos.
Best for: 60,000 pts + 5X the points best card in Canada
|
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|
LUCRATIVE No min. inc.
Valuation (BONUS)
Rewards: ≈ $1451
Card fee: $799 (≈ 6.5% back on $10k)
Spend required:
$10k in 3 mos.
Best for: 110,000 pts + unlimited lounges and $200 travel credit
|
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| 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 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 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
|
Valuation (BONUS) (≈ 8.1% back on $5k)
Rewards: ≈ $585
Card fee: $180
Spend required:$5k in 3 mos.
Best for: 45,000 Asia miles by unlocking bonus & Cathay Pacific benefits
limited time
|
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|
Valuation (BONUS) (≈ 24% back on $2k)
Best for: 40,000 Alaska miles by unlocking bonus later in 2024
|
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|
Valuation (BONUS) (≈ 36% back on $500)
Rewards: ≈ $180
Card fee: $0
Spend required:$500 in 3 mos.
Best for: 12,000 Alaska miles by unlocking bonus later in 2024
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 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 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
|
LUCRATIVE
80k/150k
Valuation (BONUS)
Rewards: ≈ $585
Card fee: $180 (≈ 8.1% back on $5k)
Spend required:
$5k in 3 mos.
Best for: 45,000 Asia miles by unlocking bonus & Cathay Pacific benefits
|
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|
SIMPLE
80k/150k
Valuation (BONUS)
Rewards: ≈ $600
Card fee: $120 Best for: 40,000 Alaska miles by unlocking bonus later in 2024
|
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SIMPLE
No min. inc.
Valuation (BONUS)
Rewards: ≈ $180
Card fee: $0 (≈ 36% back on $500)
Spend required:
$500 in 3 mos.
Best for: 12,000 Alaska miles by unlocking bonus later in 2024
|
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LUCRATIVE
80k/150k
Valuation (BONUS)
Rewards: $0
Card fee: $0 $132 Spend required:
$0 no
welcome bonus Best for: 0 Flying Blue miles (no welcome bonus currently)
|
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| 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 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 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
|
Valuation (BONUS) (8.1% back on $5k)
Rewards: $525
Card fee: $119
Spend required:$5k in 3 mos.
Best for: 525 WestJet dollars by unlocking bonus & free bag + BOGO/lounge
ends May 28th
|
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|
Valuation (BONUS) (7.1% back on $1k)
Rewards: $110
Card fee: $39
Spend required:$1k in 3 mos.
Best for: 110 WestJet dollars by unlocking bonus & Buy One Get One ticket
|
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|
Valuation (BONUS) (≈ 4.3% back on $5k)
Rewards: ≈ $613
Card fee: $399
Spend required:$5k in 6 mos.
Best for: 613 WestJet dollars by unlocking bonus or more valuable uses
LUCRATIVE
200k/200k
limited time
|
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| 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 WestJet dollars | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
SIMPLE
80k/150k
Valuation (BONUS)
Rewards: $525
Card fee: $119 (8.1% back on $5k)
Spend required:
$5k in 3 mos.
Best for: 525 WestJet dollars by unlocking bonus & free bag + BOGO/lounge
|
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SIMPLE
No min. inc.
Valuation (BONUS)
Rewards: $110
Card fee: $39 (7.1% back on $1k)
Spend required:
$1k in 3 mos.
Best for: 110 WestJet dollars by unlocking bonus & Buy One Get One ticket
|
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|
LUCRATIVE 200k/200k
Valuation (BONUS)
Rewards: ≈ $613
Card fee: $399 (≈ 4.3% back on $5k)
Spend required:
$5k in 6 mos.
Best for: 613 WestJet dollars by unlocking bonus or more valuable uses
|
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|
LUCRATIVE 60k/100k
Valuation (BONUS)
Rewards: ≈ $600
Card fee: $120 (≈ 9.6% back on $5k)
Spend required:
$5k in 6 mos.
Best for: 600 WestJet dollars by unlocking bonus after welcome bonus
|
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LUCRATIVENo min. inc.
Valuation (BONUS)
Rewards: ≈ $600
Card fee: $120 (≈ 9.6% back on $5k)
Spend required:
$5k in 6 mos.
Best for: 600 WestJet dollars by unlocking bonus after welcome bonus
|
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SIMPLE
No min. inc.
Valuation (BONUS)
Rewards: $85
Card fee: $48 (7.4% back on $500)
Spend required:
$500 in 3 mos.
Best for: 85 WestJet dollars by unlocking bonus or more valuable uses
|
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SIMPLE
No min. inc.
Valuation (BONUS)
Rewards: $35
Card fee: $0 Spend required:
$0 no min. spend
Best for: 35 WestJet dollars by unlocking bonus or more valuable uses
|
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| 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 |
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|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
|
Valuation (BONUS) (≈ 5.0% back on $20k)
Rewards: ≈ $998
Card fee: $0 $120
Spend required:$20k in 12 mos. (or $4.5k/$10k)
Best for: 9,500 Miles with welcome bonus & AM elite status
 SIMPLE
80k/150k
ends June 1st
|
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|
Valuation (BONUS) (≈ 9.3% back on $1.5k)
Rewards: ≈ $139
Card fee: $0
Spend required:$1.5k in 110 days
Best for: 1320 Miles with welcome bonus & Dream/Cash conversions
SIMPLE
15k
ends June 1st
|
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|
Valuation (BONUS) (8.4% back on $5k)
Rewards: $420
Card fee: $0 $120
Spend required:$5k in 3 mos.
Best for: 3,500 Miles after welcome bonus
LUCRATIVE
80k/150k
|
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| 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 |
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
|
SIMPLE 80k/150k
Valuation (BONUS)
Rewards: ≈ $998
Card fee: $0 $120 (≈ 5.0% back on $20k)
Spend required:
$20k in 12 mos. (or $4.5k/$10k)
Best for: 9,500 Miles with welcome bonus & AM elite status
|
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|
SIMPLE 15k
Valuation (BONUS)
Rewards: ≈ $139
Card fee: $0 (≈ 9.3% back on $1.5k)
Spend required:
$1.5k in 110 days
Best for: 1320 Miles with welcome bonus & Dream/Cash conversions
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
LUCRATIVE80k/150k
Valuation (BONUS)
Rewards: $420
Card fee: $0 $120 (8.4% back on $5k)
Spend required:
$5k in 3 mos.
Best for: 3,500 Miles after welcome bonus
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
LUCRATIVENo min. inc.
Valuation (BONUS)
Rewards: $138
Card fee: $0 (4.6% back on $3k)
Spend required:
$3k in 3 mos.
Best for: 1,150 Miles after welcome bonus
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
SIMPLENo min. inc.
Valuation (BONUS)
Rewards: ≈ $92
Card fee: $0 (≈ 9.2% back on $1k)
Spend required:
$1k in 3 mos.
Best for: 880 Miles after welcome bonus
|
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| 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 |
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
|
Valuation (BONUS) (8.7% back on $7.5k)
Rewards: $775
Card fee: $120
Spend required:$7.5k in 12 mos. (or $2k)
Best for: 6% at Sobeys 5% other food
SIMPLE
12k
ends July 1st
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
Valuation (BONUS) (4.9% back on $9k)
Rewards: $600
Card fee: $156
Spend required:$9k in 12 mos.
Best for: 5% on groceries (1-3% elsewhere)
LUCRATIVE
No min. inc.
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
Valuation (BONUS) (10% back on $3.5k)
Rewards: $350
Annual fee: $0 $139
Spend required:$3.5k in 3 mos.
Best for: 3% on groceries, gas, bills (1% elsewhere)
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 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 |
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
|
SIMPLE 12k
Valuation (BONUS)
Rewards: $775
Card fee: $120 (8.7% back on $7.5k)
Spend required:
$7.5k in 12 mos. (or $2k)
Best for: 6% at Sobeys 5% other food
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
LUCRATIVE No min. inc.
Valuation (BONUS)
Rewards: $600
Card fee: $156 (4.9% back on $9k)
Spend required:
$9k in 12 mos.
Best for: 5% on groceries (1-3% elsewhere)
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
💲SIMPLE
60k/100k
Valuation (BONUS)
Rewards: $350
Annual fee: $0 $139 (10% back on $3.5k)
Spend required:
$3.5k in 3 mos.
Best for: 3% on groceries, gas, bills (1% elsewhere)
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
SIMPLE 80k/150k
Valuation (BONUS)
Rewards: ≈ $998
Card fee: $0 $120 (≈ 5.0% back on $20k)
Spend required:
$20k in 12 mos. (or $4.5k/$10k)
Best for: 1.05% (2.63% at AM partners)
|
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|
💲SIMPLE
80k/150k
Valuation (BONUS)
Rewards: $230
Card fee: $0 $120 (10% back on $2.3k)
Spend required:
$2.3k in 3 mos. (categories)
Best for: 5% (with monthly cap) on groceries (1-4% elsewhere)
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
💲SIMPLE
60k/100k
Valuation (BONUS)
Rewards: $200
Card fee: $0 $120 (10% back on $2k)
Spend required:
$2k in 3 mos.
Best for: 4% on groceries (1-2% elsewhere)
|
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|
SIMPLE
No min. inc.
Valuation (BONUS)
Rewards: $200
Card fee: $120 (4% back on $2k)
Spend required:
$2k in 3 mos.
Best for: 4% on groceries/gas (2% elsewhere)
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
SIMPLE
50k/80k
Valuation (BONUS)
Rewards: $120
Card fee: $0 (12% back on $1k)
Spend required:
$1k in 2 mos.
Best for: 2% choice of 3 categories
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
SIMPLE
No min. inc.
Valuation (BONUS)
Rewards: $192
Card fee: $0 (12.8% back on $1.5k)
Spend required:
$1.5k in 3 mos.
Best for: 1.66% on food no annual fee
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
SIMPLE
No min. inc.
Valuation (BONUS)
Rewards: $100
Card fee: $0 (5% back on $2k)
Spend required:
$2k in 3 mos.
Best for: 2% on groceries/gas (1.25% elsewhere)
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
SIMPLE 15k
Valuation (BONUS)
Rewards: ≈ $139
Card fee: $0 (≈ 9.3% back on $1.5k)
Spend required:
$1.5k in 110 days
Best for: 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 |
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
|
Valuation (BONUS) Rewards: $0
Card fee: $0
Spend required:$0 no welcome bonus
Best for: No fee & no credit check prepaid card
|
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|
Valuation (BONUS) (9.5% back on $2k)
Rewards: $340
Card fee: $150
Spend required:$2k in 3 mos.
Best for: Airport lounge access 6 passes
SIMPLE
60k/100k
ends July 1st
|
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|
Valuation (BONUS) (8.7% back on $7.5k)
Rewards: $775
Card fee: $120
Spend required:$7.5k in 12 mos. (or $2k)
Best for: Very good travel insurance and earn rate
SIMPLE
12k
ends July 1st
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 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 |
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
SIMPLE
No min. inc.
Valuation (BONUS)
Rewards: $0
Card fee: $0 Spend required:
$0 no welcome bonus
Best for: No fee & no credit check prepaid card
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
SIMPLE 60k/100k
Valuation (BONUS)
Rewards: $340
Card fee: $150 (9.5% back on $2k)
Spend required:
$2k in 3 mos.
Best for: Airport lounge access 6 passes
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
SIMPLE 12k
Valuation (BONUS)
Rewards: $775
Card fee: $120 (8.7% back on $7.5k)
Spend required:
$7.5k in 12 mos. (or $2k)
Best for: Very good travel insurance and earn rate
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
SIMPLE 12k
Valuation (BONUS)
Rewards: $1000
Card fee: $399 (6.0% back on $10k)
Spend required:
$10k in 14 mos. (or $3k)
Best for: Airport lounge access 10 passes
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
No min. inc.
Valuation (BONUS)
Rewards: $0
Card fee: $0 Spend required:
$0 no welcome bonus
Best for: No minimum spend add-on w/ other card
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
No min. inc.
Valuation (BONUS)
Rewards: $0
Card fee: $0 Spend required:
$0 no welcome bonus
Best for: 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 |
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
|
Valuation (BONUS) Rewards: $0
Card fee: $0
Spend required:$0 no welcome bonus
Best for: 0% for 12 mos 3% transfer fee
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
Valuation (BONUS) Rewards: $0
Card fee: $0 $29
Spend required:$0 no welcome bonus
offer
Best for: 0.99% for 9 mos. 2% transfer fee
ends October 31st
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
Valuation (BONUS) (12.8% back on $1.5k)
Rewards: $192
Card fee: $0
Spend required:$1.5k in 3 mos.
Best for: 0.99% for 9 mos 2% transfer fee
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 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 |
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
No min. inc.
Valuation (BONUS)
Rewards: $0
Card fee: $0 Spend required:
$0 no welcome bonus
Best for: 0% for 12 mos 3% transfer fee
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
12k
Valuation (BONUS)
Rewards: $0
Card fee: $0 $29 Spend required:
$0 no welcome bonus
offer Best for: 0.99% for 9 mos. 2% transfer fee
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
SIMPLE
No min. inc.
Valuation (BONUS)
Rewards: $192
Card fee: $0 (12.8% back on $1.5k)
Spend required:
$1.5k in 3 mos.
Best for: 0.99% for 9 mos 2% transfer fee
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
💲SIMPLE
15k
Valuation (BONUS)
Rewards: $125
Card fee: $0 (5% back on $2.5k)
Spend required:
$2.5k in 3 mos. (categories)
Best for: 0.99% for 9 mos 2% transfer fee
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
SIMPLE 15k
Valuation (BONUS)
Rewards: ≈ $139
Card fee: $0 (≈ 9.3% back on $1.5k)
Spend required:
$1.5k in 110 days
Best for: 0.99% for 9 mos 2% transfer fee
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
No min. inc.
Valuation (BONUS)
Rewards: $0
Card fee: $0 $29 Spend required:
$0 no welcome bonus
offer Best for: 0.99% for 10 mos. 3% transfer fee
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
SIMPLE
12k
Valuation (BONUS)
Rewards: $120
Card fee: $0 (12% back on $1k)
Spend required:
$1k in 2 mos.
Best for: 1.95% for 6 mos 1% transfer fee
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
SIMPLE
50k/80k
Valuation (BONUS)
Rewards: $120
Card fee: $0 (12% back on $1k)
Spend required:
$1k in 2 mos.
Best for: 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 in Canada with low minimum spends
Pros know that adding a 2nd card the same day as a card application is a great way to double your welcome bonuses, and that’s easier when the 2nd has a low minimum spend (also for those who spend less, despite our tips to reach minimum spend requirements).
You can read our detailed page about the best credit cards in Canada with low minimum spends (coming soon).
| Best credit cards with low minimum spends |
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
|
Valuation (BONUS) (9% back on $2k)
Rewards: $300
Card fee: $120
Spend required:$2k in 3 mos. (or $7.5k)
Best for: Lower spend 5x on food, no FX insurance for lower income
SIMPLE
12k
ends July 1st
|
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|
Valuation (BONUS) (27.3% back on $1k)
Rewards: $273
Annual fee: $0 $89
Spend required:$1k in 3 mos.
Best for: Easy to use simple points no annual fee (1st year)
SIMPLE
No min. inc.
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
Valuation (BONUS) (12.8% back on $1.5k)
Rewards: $192
Card fee: $0
Spend required:$1.5k in 3 mos.
Best for: One of the highest bonuses (no-fee cards)
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 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 |
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
|
SIMPLE 12k
Valuation (BONUS)
Rewards: $300
Card fee: $120 (9% back on $2k)
Spend required:
$2k in 3 mos. (or $7.5k)
Best for: Lower spend 5x on food, no FX insurance for lower income
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
SIMPLE No min. inc.
Valuation (BONUS)
Rewards: $273
Annual fee: $0 $89 (27.3% back on $1k)
Spend required:
$1k in 3 mos.
Best for: Easy to use simple points no annual fee (1st year)
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
SIMPLE
No min. inc.
Valuation (BONUS)
Rewards: $192
Card fee: $0 (12.8% back on $1.5k)
Spend required:
$1.5k in 3 mos.
Best for: One of the highest bonuses (no-fee cards)
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
LUCRATIVE No min. inc.
Valuation (BONUS)
Rewards: ≈ $165
Card fee: $0 (≈ 16.5% back on $1k)
Spend required:
$1k in 3 mos.
Best for: Valuable Amex points for free
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
LUCRATIVE
15k/15k
Valuation (BONUS)
Rewards: ≈ $20
Card fee: Spend required:
$0 no min. spend (4 actions)
Best for: Flexible points no-fee card
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
SIMPLE 60k/100k
Valuation (BONUS)
Rewards: $340
Card fee: $150 (9.5% back on $2k)
Spend required:
$2k in 3 mos.
Best for: 6 airport lounge passes and no FX fees
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
SIMPLE 15k
Valuation (BONUS)
Rewards: ≈ $139
Card fee: $0 (≈ 9.3% back on $1.5k)
Spend required:
$1.5k in 110 days
Best for: More AIR MILES Rewards
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
SIMPLE
No min. inc.
Valuation (BONUS)
Rewards: $112
Card fee: $0 (5.6% back on $2k)
Spend required:
$2k in 12 mos. (or $500)
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 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 |
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|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
|
Valuation (BONUS) (≈ 7.5% back on $15k)
Rewards: ≈ $1922
Card fee: $799
Spend required:$15k in 3 mos.
Best for: Big spenders & luxury travelers
LUCRATIVE
No min. inc.
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
Valuation (BONUS) (≈ 6.9% back on $7.5k)
Rewards: ≈ $713
Card fee: $199
Spend required:$7.5k in 3 mos.
Best for: More valuable Amex points for Aeroplan or Avios
LUCRATIVE
No min. inc.
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
Valuation (BONUS) (≈ 5.5% back on $10.5k)
Rewards: ≈ $1172
Card fee: $599
Spend required:$10.5k in 3 mos.
Best for: Frequent Air Canada travel & maximizing Aeroplan
LUCRATIVE
No min. inc.
ends August 18th
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 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 |
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
|
LUCRATIVE No min. inc.
Valuation (BONUS)
Rewards: ≈ $1922
Card fee: $799 (≈ 7.5% back on $15k)
Spend required:
$15k in 3 mos.
Best for: Big spenders & luxury travelers
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
LUCRATIVE No min. inc.
Valuation (BONUS)
Rewards: ≈ $713
Card fee: $199 (≈ 6.9% back on $7.5k)
Spend required:
$7.5k in 3 mos.
Best for: More valuable Amex points for Aeroplan or Avios
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
LUCRATIVE No min. inc.
Valuation (BONUS)
Rewards: ≈ $1172
Card fee: $599 (≈ 5.5% back on $10.5k)
Spend required:
$10.5k in 3 mos.
Best for: Frequent Air Canada travel & maximizing Aeroplan
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
LUCRATIVE No min. inc.
Valuation (BONUS)
Rewards: ≈ $1083
Card fee: $150 (≈ 15.6% back on $6k)
Spend required:
$6k in 3 mos.
Best for: Valuable Marriott certificate another must-have
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
LUCRATIVE 80k/150k
Valuation (BONUS)
Rewards: $420
Card fee: $0 $120 (8.4% back on $5k)
Spend required:
$5k in 3 mos.
Best for: AIR MILES Rewards collectors
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
SIMPLE
80k/150k
Valuation (BONUS)
Rewards: $216
Card fee: $0 $149 (7.2% back on $3k)
Spend required:
$3k spend $3k in 3rd month
Best for: Easy-to-use fixed-value rewards
|
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No min. inc.
Valuation (BONUS)
Rewards: $150
Card fee: $0 (10% back on $1.5k)
Spend required:
$1.5k in 3 mos. *
Best for: Simple cashback rewards
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LUCRATIVE No min. inc.
Valuation (BONUS)
Rewards: $138
Card fee: $0 (4.6% back on $3k)
Spend required:
$3k in 3 mos.
Best for: AIR MILES collectors who spend less
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| 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 |
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Valuation (BONUS) Rewards: $0
Card fee: $0
Spend required:$0 no welcome bonus
Best for: 0.5% cashback on everything
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Valuation (BONUS) Rewards: $0
Card fee: $0
Spend required:$0 no welcome bonus
Best for: Earn 3% interest & no FX fees/ATM fees
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Valuation (BONUS) Rewards: $0
Card fee: $0
Spend required:$0 no welcome bonus
Best for: Earn 2.25% interest & 0.5%+ cashback
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| 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. |
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Best prepaid credit cards |
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No min. inc.
Valuation (BONUS)
Rewards: $0
Card fee: $0 Spend required:
$0 no welcome bonus
Best for: 0.5% cashback on everything
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SIMPLE
No min. inc.
Valuation (BONUS)
Rewards: $0
Card fee: $0 Spend required:
$0 no welcome bonus
Best for: Earn 3% interest & no FX fees/ATM fees
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No min. inc.
Valuation (BONUS)
Rewards: $0
Card fee: $0 Spend required:
$0 no welcome bonus
Best for: Earn 2.25% interest & 0.5%+ cashback
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No min. inc.
Valuation (BONUS)
Rewards: $0
Card fee: $0 Spend required:
$0 no welcome bonus
Best for: 10 different currencies & 1%+ cashback
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| Terms and conditions apply. Flytrippers editorial opinion only. Financial institutions are not responsible for maintaining the content on this site. Please click "See More" to see most up-to-date information. |
Other upcoming credit card categories
Subscribe to our free travel rewards newsletter to get all our content to earn a lot more travel rewards.
- Best credit cards for WestJet dollars
- Best credit cards for other airline points
- Best credit cards for luxury travel benefits
- Best credit cards for travel insurance
- Best credit cards for insurance coverage for reward flights
- Best credit cards for mobile device insurance
- Best credit cards for building credit scores
- Best credit cards for students
- Best credit cards for low interest rates
- More to be announced later
Other upcoming financial categories
Subscribe to our free travel rewards newsletter to get all our content to save money and travel more.
- Best banking accounts for travelers
- Best international ATM withdrawal options
- Best international money transfer options
- Best travel insurance
- Best bill payment services
- Best credit score monitoring
- Best online investing services
- Best cryptocurrency platforms
- More to be announced later
How our ranking of the best credit cards works
Here’s how we’ve designed the tables for each card ranking category, with more to come about each card in the non-beta version.
1. The card ranking category
So you can easily see which ranking this is.
2. The card image and card name
So you can easily see what card we’re talking about.
3. The minimum income required
So you can easily see if you are eligible for the card.
4. The Flytrippers Valuation
So you can easily see how much value you’ll get from the welcome bonus alone (clickable to see detailed calculations).
5. The minimum spend requirement
So you can easily see how much spend is required to unlock the welcome bonus.
6. The custom data column
So you can easily see why this card is included in that specific category ranking.
7. The link to the card’s page
So you can easily read more details about the card (that page will soon be revamped too).
How we calculate our Flytrippers Valuation
The key element in our ranking of the best credit cards in Canada is our Flytrippers Valuation. It’s there to help you understand how much a credit card’s welcome bonus is worth. We always include only the value you get from the welcome bonus, not from any additional spending whatsoever. Why?
First, not all point currencies are worth the same amount, so “20,000 points” means nothing: that can be worth $100 or that can be worth $300. The Flytrippers Valuation shows you the dollar value at a glance so you can compare credit cards more easily, apples to apples.
Second, we want to show you what you’ll get with just the welcome bonus since that’s the amount that will be the same for everyone regardless of what you decide to do after. The Flytrippers Valuation shows you the best-case maximization scenario to get the most points for the least spend.
For the beta version, the detailed Flytrippers Valuation and welcome bonus components is briefly broken down by clicking on the number. It will be even more detailed on each card page very soon.
For fixed-value rewards, the Flytrippers Valuation is obviously simply the guaranteed value of those points (those without the “≈” symbol).
For variable-value rewards, the Flytrippers Valuation is a very conservative and fair value for an average traveler—but you can easily get a lot more value with the same points if you use them well (or less if you use them badly). That’s the beauty of points with outsized value and unlimited value.
The relaunched card pages will show you concrete examples of how to get even more than the Flytrippers Valuation for each card that earns variable-value points (those with the “≈” symbol).
Reminder of credit card basics
If you are a beginner in the fascinating world of travel rewards and credit cards, there are very important rules to know about. Some are very counterintuitive, like for example how you should never cancel your old cards. That’s a common mistake that is very bad for your credit score.
For more great pro tips that are simply vital, please download our free checklist for when you get a new card.
Of course, you also need to understand why having more credit cards is better for your credit score (if paid on-time and in full—obviously), why welcome bonuses are the key to earning more travel rewards, why banks offer such generous welcome bonuses, and all the other credit card basics.
And stay tuned for our upcoming text and video content for beginners.
How to choose the best credit cards for you
There is simply no “best card” because that would be saying that having just one card is good (it’s not), that welcome bonuses never change (they do), or that every traveler is the same (you are not).
This topic will be a major one in our free travel rewards beginners course, but here is a brief overview of 7 things to consider when choosing.
1. Your level of ambition for travel rewards overall
Everything always starts with your level of ambition. If you aren’t interested in putting in any effort to earn travel rewards correctly (AKA by getting multiple credit card welcome bonuses every year), then your strategy will be a lot different than travelers who want to take travel rewards very seriously.
How to decide:
If your level of ambition is lower, card earn rates will be a bigger deciding factor since you’ll be doing this the (very very) slow way with just the few points you earn on your regular purchases.
If your level of ambition is higher and you want to maximize your rewards, you’ll focus on the welcome bonuses. That’s our recommendation if you want to get a lot of rewards, a better credit score, and more benefits (obviously).
2. Your desire to maximize the value you get and be flexible
Similarly, many travelers do not want to learn anything about how rewards work.
That’s fine: it’s not mandatory because there are 2 types of travel reward redemption options: rewards of the more simple type (less lucrative) and rewards of the more lucrative type (less simple).
How to decide:
If you don’t want to invest any time, don’t want to be flexible, and don’t want to learn how to maximize the rewards, you should stick to rewards of the more simple type. There’s no complexity at all; their value varies less (or not at all) and they can be redeemed with few restrictions (or none).
If you want to invest a bit of time, be flexible, and maximize your rewards, you should focus on rewards of the more lucrative type. It’s more complex; their value can be outsized and literally unlimited (or terrible, too) and there are restrictions. That’s our recommendation if you like good deals (including on luxury).
3. Your income level
Sadly, most card issuers still discriminate based on income level and restrict some of their best cards to those who earn more money. You obviously need to take that into account when choosing cards.
How to decide:
If your income is under $60,000 per year (or $100,000 for your household), there are simply fewer options. In that situation, it’s still very doable to get a ton of rewards but it’s even more important to focus on welcome bonuses and rewards of the more lucrative type. The upside is that at this income level, most happen to have more time to learn to maximize (and to start generating non-employment income of any kind; see below).
If your income is between $60,000 and $80,000 per year (or $100,000 to $150,000 for your household), you have access to almost all offers.
If your income is over $80,000 per year (or $150,000 for your household), you have access to all offers (except a few very premium cards that rarely give the best value anyway).
If you have literally any non-employment income (reselling online, side gig of any kind, etc.) even if it’s a tiny amount and even if you’re not an incorporated business, you’ll also have access to many business cards that are very worthwhile.
4. Your spending habits
No, we’re not talking about earn rates on each spend category (welcome bonuses are the key). Almost all welcome bonuses come with a minimum spend requirement (usually in the first 3 months). So if you don’t spend as much (which is a good thing!) you need to take that into account.
It’s so simple: use all your spending to unlock welcome bonuses. That’s it. Never spend more to earn rewards, never. We also have tips to reach these minimum spend requirements (including prepaying future expenses and paying your rent/car/tax by card) so you can unlock more bonuses.
How to decide:
If you can spend $3,000 in 3 months ($231/week), you’ll have access to most welcome bonuses (that’s a common requirement).
If you spend less, you’ll simply be more selective in the bonuses you choose.
If you are planning on making major purchases (renovations, furniture, etc.), this is the best time to take advantage and look at offers that require a large amount of spending but are extremely worthwhile (and may not normally be reachable for you).
5. Your desire to get travel benefits
Many credit cards offer various travel benefits (like free access to VIP airport lounges, free bags, medical travel insurance, etc.) in addition to all the rewards you earn.
Our Flytrippers Valuation of the offers only takes into account the concrete value of the rewards you get with the welcome bonus (minus the fee, if any). We never assign a value to subjective benefits that you might value at more than $0 yourself.
How to decide:
If you do value airport lounge access or other travel benefits, it might be worth sacrificing a bit of total value in terms of travel rewards to get those benefits. Our card resource pages have a tab with all the benefits listed.
If you simply prefer to have the highest value in terms of rewards so that you can travel more or travel for less, you can ignore all the other details. But keep in mind that some benefits also save you money and are not just luxuries (meals and drinks in lounges, insurance, etc.).
6. Your other cards
The cards you already have are important in your rewards strategy, in terms of reaching your overall objectives (if you want to fly business class or if you have enough points for flights and want hotel points) and in terms of the welcome bonus eligibility rules (many banks have waiting periods before you can get the same card again, or other of their cards).
And as for any financial strategy, diversification is a lot safer. You don’t want to have just one specific rewards currency. You especially should never have just one currency because you’ll never be able to go fast that way.
How to decide:
If you already have airline points, you might want to make sure you have more points of the simple type to redeem for your other expenses. If you want to travel in business class, you’ll have to focus mainly on airline points (or transferable bank points).
If you already have a few cards, you will have to take into account the different eligibility rules. For some, you must not have had their card for 1 year or 2 years. For others, it is only the date of the last application that counts. For some, each card is treated separately. For others, any card from that bank will count. It varies.
7. Your travel preferences
Finally, the way you travel will be the last major factor in choosing between the few cards that match your profile. If you want to prioritize getting the best deal, you can simply plan your trips around the redemptions that give the most value.
If you want to book very specific destinations or very specific dates, some points may be much better than others, so you have to check according to your needs.
How to decide:
The precise redemption you want to make with your travel rewards is what will determine the value you will get. So by understanding what you can get concretely with the rewards of each card (always listed on our card resource pages), you will be able to make the best decision for you.
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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.
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