Teaser about how each rewards program works (and how to find all the information)

Your next travel rewards update is going to have an overview of the basics of all the types of redemptions for all rewards programs in Canada, but in the meantime, I just want to remind you that you already have access to a lot of information if you want.

Here’s how to see how all the rewards programs work — and just about every detail imaginable about each card.

How to see the program details

All rewards programs work differently, of course: they’re different programs.

We hear you loud and clear: you want more content on how to use the points in real life and that’s coming. However, you’ve always had access to all the most important information, so here’s a reminder of how to access it easily.

It’s all on the resource page of each card (but we’re going to make it easier to find everything in one place).

First, our ranking of the best credit cards in Canada is the best place to start every time.

Learn More

Best Credit Cards In Canada

You click on the blue button labeled “SEE MORE” at the end of the best cards table.

(Or at the end of the additional tables below that one: we have rankings for different subcategories, like the best cards for free airport lounge access for example!)

Best credit card offers (December 2023)		WELCOME BONUS ( VALUATION)	Best for
ENDING	TD® Aeroplan® Visa Infinite* Card Card: $60k minimum income requiredMinimum personal income of $60,000 or minimum household income of $100,000 Bonus: spend $7.5k in 12 mos.	≈ $780Flytrippers Valuation Welcome bonus (after 1st purchase): 10,000 pts (≈ $150) Welcome bonus (after $5k min. spend): 25,000 pts (≈ $375) Earn on $5k min. spend: 7,500 pts (≈ $113) Anniversary bonus (after another $2.5k in spend): 15,000 pts (≈ $225) Earn on another $2.5k in spend: 3,750 pts (≈ $56) Card fee (year 1): first year free(-$0) Card fee (year 2): deducted (-$139) Also offered but not included in Valuation Credit: for NEXUS ($100) Rewards: ≈ $780 Card fee: $0 $139	Valuable Aeroplan pts and travel benefits $5k spend option also available	SEE MORE ends January 3rd
Best	American Express Cobalt® Card Card: $0 minimum income requiredNo minimum income required. Bonus: spend $750/mo for 12 mos.	≈ $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	SEE MORE
	TD First Class Travel® Visa Infinite* Card Card: $60k minimum income requiredMinimum personal income of $60,000 or minimum household income of $100,000 Bonus: spend $5k in 6 mos.	$725Flytrippers Valuation Welcome bonus (after 1st purchase): 20,000 pts ($100) Welcome bonus (after min. spend): 95,000 pts ($475) Earn on min. spend: 30,000 pts ($150) Card fee: 1st year free (-$0) Also offered but not included in Valuation Birthday Bonus: 10% of points earned up to 10,000 pts ($50) Also offered but not included in Valuation Travel credit: On 1st $500 booking ($100) Rewards: $725 Card fee: $0 $139	Highest offer for SIMPLE points and 1st year free	SEE MORE ends January 3rd
	Platinum Card® from American Express Card: $0 minimum income requiredNo minimum income required. Bonus: spend $10k in 3 mos.	≈ $801Flytrippers Valuation Welcome bonus: 70,000 pts (≈ $1050) Earn on min. spend: 10,000 pts (≈ $150) Annual travel credit: can be cashed out ($200) Dining credit (2023): $200 total conservatively-valued (≈ $100) Dining credit (2024): $200 total conservatively-valued (≈ $100) Card fee: deducted (-$799) Also offered but not included in Valuation: renewal bonus of 30,000 pts (≈ $450) Also offered but not included in Valuation: NEXUS credit ($100) Rewards: ≈ $1600 Card fee: $799	Unlimited access to airport lounges and flexible rewards	SEE MORE
	American Express® Gold Rewards Card Card: $0 minimum income requiredNo minimum income required. Bonus: spend $1k/mo for 12 mos.	≈ $930Flytrippers Valuation Welcome bonus: 60,000 pts (≈ $900) Earn on min. spend: 12,000 pts (≈ $180) Annual credit: can be cashed out ($100) Card fee: deducted (-$250) Also offered but not included in Valuation: NEXUS credit ($50) Rewards: ≈ $1180 Card fee: $250	Valuable rewards and 4 airport lounge passes	SEE MORE
	RBC® British Airways Visa Infinite‡ Card: $60k minimum income requiredMinimum personal income of $60,000 or minimum household income of $100,000 Bonus: spend $6k in 3 mos.	≈ $675Flytrippers Valuation Welcome bonus (upon approval): 15,000 pts (≈ $225) Welcome bonus (after min. spend): 35,000 pts (≈ $525) Earn on min. spend: 6,000 pts (≈ $90) Card fee: deducted (-$165) Rewards: ≈ $840 Card fee: $165	Great airline rewards for big spenders	SEE MORE limited time
6% rate	Scotiabank Gold American Express® Card Card: $0 minimum income requiredNo minimum income required. Bonus: spend $7.5k in 1y (or $1k)	$655Flytrippers Valuation Welcome bonus (after $1k in 3 mos.): 20,000 pts ($200) Welcome bonus (after another $6.5k in 1y): 20,000 pts ($200) Earn on min. spend (1k$): 5,000 pts ($50) Earn on min. spend ($6.5k): 32,500 pts ($325) Card fee: deducted (-$120) Rewards: $775 Card fee: $120	Very good travel insurance and earn rate	SEE MORE
NEW	WestJet RBC World Elite Mastercard Card: $80k minimum income requiredMinimum personal income of $80,000 or minimum household income of $150,000 Bonus: spend $5k in 3 mos.	$556Flytrippers Valuation Welcome bonus (after 1st purchase): 300 WestJet dollars ($300) Welcome bonus (after min. spend): 300 WestJet dollars ($300) Earn on min. spend: 75 WestJet dollars ($75) Card fee: deducted (-$119) Additional companion ticket and renewal bonus also offered (not included in Flytrippers Valuation) Rewards: $675 Card fee: $119	Companion ticket or 4 lounge passes	SEE MORE ends March 14th
	American Express® Aeroplan®* Card Card: $0 minimum income requiredNo minimum income required. Bonus: spend $1k/mo for 10 mos.	≈ $510Flytrippers Valuation Monthly bonuses (6 mos.): 30,000 pts (≈ $450) Earn on min. spend: 10,000 pts (≈ $150) Card fee (year 1): deducted (-$120) Renewal bonus: 10,000 pts (≈ $150) Card fee (year 2): deducted (-$120) Rewards: ≈ $630 Card fee: $120	Valuable Aeroplan pts without min. income and lower min. spend	SEE MORE
	RBC Avion Visa Infinite Card Card: $60k minimum income requiredMinimum personal income of $60,000 or minimum household income of $100,000 Bonus: on approval (no min. spend)	≈ $405Flytrippers Valuation Welcome bonus (upon approval): 35,000 pts (≈ $525) Card fee: deducted (-$120) Rewards: ≈ $525 Card fee: $120	Versatile rewards valuable or simple great if you're flexible	SEE MORE ends January 21st
	Marriott Bonvoy™ American Express® Card Card: $0 minimum income requiredNo minimum income required. Bonus: spend $1.5k in 3 mos.	≈ $357Flytrippers Valuation Welcome bonus: 50,000 pts (≈ $450) Earn on min. spend: 3,000 pts (≈ $27) Card fee: deducted (-$120) Rewards: ≈ $477 Card fee: $120	Very lucrative hotel points for specific hotels	SEE MORE
	TD Cash Back Visa Infinite* Card Card: $60k minimum income requiredMinimum personal income of $60,000 or minimum household income of $100,000 Bonus: spend $3.5k in 3 mos.	$350Flytrippers Valuation Welcome bonus (10% earn rate on 3 categories): cash back ($350) Card fee: 1st year free (-$0) Rewards: $350 Card fee: $0 $139	Highest ever cash back bonus ever seen in Canada	SEE MORE ends March 4th
	American Express® Aeroplan®* Reserve Card Card: $0 minimum income requiredNo minimum income required. Bonus: spend $2k/mo for 6 mos.	≈ $301Flytrippers Valuation Monthly bonuses (6 mos.): 45,000 pts (≈ $675) Earn on min. spend: 15,000 pts (≈ $225) Card fee: deducted (-$599) Renewal bonus also offered (not included in Flytrippers Valuation) Bonuses for adding additional cards also offered (not included in Flytrippers Valuation) Rewards: ≈ $900 Card fee: $599	For Air Canada lounge access & other AC benefits	SEE MORE
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 (December 2023)
ENDING TD® Aeroplan® Visa Infinite* Card
Card: $60k minimum income requiredMinimum personal income of $60,000 or minimum household income of $100,000
Bonus: spend $7.5k in 12 mos.
WELCOME BONUS	SEE MORE ends January 3rd
≈ $780Flytrippers Valuation Welcome bonus (after 1st purchase): 10,000 pts (≈ $150) Welcome bonus (after $5k min. spend): 25,000 pts (≈ $375) Earn on $5k min. spend: 7,500 pts (≈ $113) Anniversary bonus (after another $2.5k in spend): 15,000 pts (≈ $225) Earn on another $2.5k in spend: 3,750 pts (≈ $56) Card fee (year 1): first year free(-$0) Card fee (year 2): deducted (-$139) Also offered but not included in Valuation Credit: for NEXUS ($100)
Rewards: ≈ $780
Card fee: $0 $139
Best for: Valuable Aeroplan pts and travel benefits $5k spend option also available
Best American Express Cobalt® Card
Card: $0 minimum income requiredNo minimum income required.
Bonus: spend $750/mo for 12 mos.
WELCOME BONUS	SEE MORE
≈ $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
TD First Class Travel® Visa Infinite* Card
Card: $60k minimum income requiredMinimum personal income of $60,000 or minimum household income of $100,000
Bonus: spend $5k in 6 mos.
WELCOME BONUS	SEE MORE ends January 3rd
$725Flytrippers Valuation Welcome bonus (after 1st purchase): 20,000 pts ($100) Welcome bonus (after min. spend): 95,000 pts ($475) Earn on min. spend: 30,000 pts ($150) Card fee: 1st year free (-$0) Also offered but not included in Valuation Birthday Bonus: 10% of points earned up to 10,000 pts ($50) Also offered but not included in Valuation Travel credit: On 1st $500 booking ($100)
Rewards: $725
Card fee: $0 $139
Best for: Highest offer for SIMPLE points and 1st year free
Platinum Card® from American Express
Card: $0 minimum income requiredNo minimum income required.
Bonus: spend $10k in 3 mos.
WELCOME BONUS	SEE MORE
≈ $801Flytrippers Valuation Welcome bonus: 70,000 pts (≈ $1050) Earn on min. spend: 10,000 pts (≈ $150) Annual travel credit: can be cashed out ($200) Dining credit (2023): $200 total conservatively-valued (≈ $100) Dining credit (2024): $200 total conservatively-valued (≈ $100) Card fee: deducted (-$799) Also offered but not included in Valuation: renewal bonus of 30,000 pts (≈ $450) Also offered but not included in Valuation: NEXUS credit ($100)
Rewards: ≈ $1600
Card fee: $799
Best for: Unlimited access to airport lounges and flexible rewards
American Express® Gold Rewards Card
Card: $0 minimum income requiredNo minimum income required.
Bonus: spend $1k/mo for 12 mos.
WELCOME BONUS	SEE MORE
≈ $930Flytrippers Valuation Welcome bonus: 60,000 pts (≈ $900) Earn on min. spend: 12,000 pts (≈ $180) Annual credit: can be cashed out ($100) Card fee: deducted (-$250) Also offered but not included in Valuation: NEXUS credit ($50)
Rewards: ≈ $1180
Card fee: $250
Best for: Valuable rewards and 4 airport lounge passes
RBC® British Airways Visa Infinite‡
Card: $60k minimum income requiredMinimum personal income of $60,000 or minimum household income of $100,000
Bonus: spend $6k in 3 mos.
WELCOME BONUS	SEE MORE limited time
≈ $675Flytrippers Valuation Welcome bonus (upon approval): 15,000 pts (≈ $225) Welcome bonus (after min. spend): 35,000 pts (≈ $525) Earn on min. spend: 6,000 pts (≈ $90) Card fee: deducted (-$165)
Rewards: ≈ $840
Card fee: $165
Best for: Great airline rewards for big spenders
6% rate Scotiabank Gold American Express® Card
Card: $0 minimum income requiredNo minimum income required.
Bonus: spend $7.5k in 1y (or $1k)
WELCOME BONUS	SEE MORE
$655Flytrippers Valuation Welcome bonus (after $1k in 3 mos.): 20,000 pts ($200) Welcome bonus (after another $6.5k in 1y): 20,000 pts ($200) Earn on min. spend (1k$): 5,000 pts ($50) Earn on min. spend ($6.5k): 32,500 pts ($325) Card fee: deducted (-$120)
Rewards: $775
Card fee: $120
Best for: Very good travel insurance and earn rate
NEW WestJet RBC World Elite Mastercard
Card: $80k minimum income requiredMinimum personal income of $80,000 or minimum household income of $150,000
Bonus: spend $5k in 3 mos.
WELCOME BONUS	SEE MORE ends March 14th
$556Flytrippers Valuation Welcome bonus (after 1st purchase): 300 WestJet dollars ($300) Welcome bonus (after min. spend): 300 WestJet dollars ($300) Earn on min. spend: 75 WestJet dollars ($75) Card fee: deducted (-$119) Additional companion ticket and renewal bonus also offered (not included in Flytrippers Valuation)
Rewards: $675
Card fee: $119
Best for: Companion ticket or 4 lounge passes
American Express® Aeroplan®* Card
Card: $0 minimum income requiredNo minimum income required.
Bonus: spend $1k/mo for 10 mos.
WELCOME BONUS	SEE MORE
≈ $510Flytrippers Valuation Monthly bonuses (6 mos.): 30,000 pts (≈ $450) Earn on min. spend: 10,000 pts (≈ $150) Card fee (year 1): deducted (-$120) Renewal bonus: 10,000 pts (≈ $150) Card fee (year 2): deducted (-$120)
Rewards: ≈ $630
Card fee: $120
Best for: Valuable Aeroplan pts without min. income and lower min. spend
RBC Avion Visa Infinite Card
Card: $60k minimum income requiredMinimum personal income of $60,000 or minimum household income of $100,000
Bonus: on approval (no min. spend)
WELCOME BONUS	SEE MORE ends January 21st
≈ $405Flytrippers Valuation Welcome bonus (upon approval): 35,000 pts (≈ $525) Card fee: deducted (-$120)
Rewards: ≈ $525
Card fee: $120
Best for: Versatile rewards valuable or simple great if you're flexible
Marriott Bonvoy™ American Express® Card
Card: $0 minimum income requiredNo minimum income required.
Bonus: spend $1.5k in 3 mos.
WELCOME BONUS	SEE MORE
≈ $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
TD Cash Back Visa Infinite* Card
Card: $60k minimum income requiredMinimum personal income of $60,000 or minimum household income of $100,000
Bonus: spend $3.5k in 3 mos.
WELCOME BONUS	SEE MORE ends March 4th
$350Flytrippers Valuation Welcome bonus (10% earn rate on 3 categories): cash back ($350) Card fee: 1st year free (-$0)
Rewards: $350
Card fee: $0 $139
Best for: Highest ever cash back bonus ever seen in Canada
American Express® Aeroplan®* Reserve Card
Card: $0 minimum income requiredNo minimum income required.
Bonus: spend $2k/mo for 6 mos.
WELCOME BONUS	SEE MORE
≈ $301Flytrippers Valuation Monthly bonuses (6 mos.): 45,000 pts (≈ $675) Earn on min. spend: 15,000 pts (≈ $225) Card fee: deducted (-$599) Renewal bonus also offered (not included in Flytrippers Valuation) Bonuses for adding additional cards also offered (not included in Flytrippers Valuation)
Rewards: ≈ $900
Card fee: $599
Best for: For Air Canada lounge access & other AC benefits
Terms and conditions apply. Flytrippers editorial opinion only. Financial institutions are not responsible for maintaining the content on this site. Please click "See More" to see most up-to-date information.

This will take you to the card’s resource page.

(It exists for most of the best credit cards already; the slightly less good cards will eventually migrate to this resource page template as well!)

You have the summary of the most important card details at the top of the resource page:

• The rewards program
• The available redemptions for these rewards
• Our Flytrippers Valuation of the welcome bonus
• The value of the rewards and fees (if any)
• The requirement to unlock the bonus
• The offer end date (if known)
• The secure link to apply
• The card eligibility rules
• The bonus eligibility rules

If you scroll down a bit, you’ll see all the tabs with all the information you might want to know about the card.

Specifically, there is a tab at the top called “Reward redemption examples” that gives you concrete examples of what you can get with these points.

We want to improve that tab as well, so that it will be even clearer for those who are less experienced. That’s our goal in everything!

But until we can give you a guide to each rewards program, there is also the “Rewards program” tab just below!

It has a lot of basic info so you can get started and understand that reward program!

You can check out the TD Aeroplan Visa Infinite Card resource page if you want to see a real-life example yourself (this card has the best welcome bonus ever seen in Canada for Aeroplan points).

Learn More

TD Aeroplan Visa Infinite Card

Want to get more content to learn how to earn free travel?

Summary

All rewards programs are different of course, but while waiting for our directory to help you find everything in one place (and of course our ultimate guide to each one) you can find quite a bit of information on each of the resource pages for the best credit cards.

What would you like to know about how programs work? Tell us in the comments below.

See the deals we spot: Cheap flights

Explore awesome destinations: Travel inspiration

Learn pro tricks: Travel tips

Discover free travel: Travel rewards

Featured image: The program details tab (photo credit: Flytrippers)

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