Teaser about how each rewards program works

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

Here’s how to see how all the rewards programs work.

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 (March 2023)		WELCOME BONUS ( VALUATION)	Best for
	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.	≈ $845Flytrippers Valuation Welcome bonus (after 1st purchase): 10,000 pts (≈ $150) Welcome bonus (after $5k min. spend): 30,000 pts (≈ $450) 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): 1st year free (-$0) Card fee (year 2): deducted (-$149) Also offered but not included in Valuation Credit: for NEXUS ($100) Rewards: ≈ $845 Card fee: $0 $139	Valuable Aeroplan pts and travel benefits $5k spend option also available	SEE MORE ends May 28th
	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.	$825Flytrippers Valuation Welcome bonus (after 1st purchase): 20,000 pts ($100) Welcome bonus (after min. spend): 115,000 pts ($575) 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: $825 Card fee: $0 $139	Highest offer for simple points and 1st year free	SEE MORE ends May 28th
	RBC Avion Visa Infinite Card Card: $60k minimum income requiredMinimum personal income of $60,000 or minimum household income of $100,000 Bonus: spend $5k in 6 mos.	≈ $780Flytrippers Valuation Welcome bonus (after 1 purchase): 35,000 pts (≈ $525) Welcome bonus (after min. spend): 20,000 pts (≈ $300) Earn on min. spend: 5,000 pts (≈ $75) Card fee: deducted (-$120) Rewards: ≈ $900 Card fee: $120	Versatile rewards valuable or simple great beginner's card	SEE MORE ends April 30th
Extended	National Bank® 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.	≈ $750Flytrippers Valuation Welcome bonus: 30,000 pts ($300) Insurance bonus: 10,000 pts ($100) Travel extras credit (2023): varies by traveler* (≈ $150) Travel extras credit (2024): varies by traveler* (≈ $150) Earn on min. spend: 5,000 pts ($50) Card fee: first year free (-$0) Also offered but not included in Valuation: additional renewal bonus of 30,000 pts ($300) if you spend another $7,000 in the first 12 months Rewards: ≈ $750 Card fee: $0 $150	Great offer & great insurance & YUL lounge access	SEE MORE ends June 30th
	American Express Cobalt® Card Card: $0 minimum income requiredNo minimum income required. Bonus: spend $500/mo for 12 mos.	≈ $744Flytrippers Valuation Welcome bonus: 30,000 pts (≈ $450) Earn on min. spend: 30,000 pts (≈ $450) Card fee: deducted (-$156) Rewards: ≈ $900 Card fee: $156	Best overall card in Canada	SEE MORE
	American Express® Aeroplan®* Reserve Card Card: $0 minimum income requiredNo minimum income required. Bonus: spend $6k in 6 mos.	≈ $789Flytrippers Valuation Welcome bonus: 55,000 pts (≈ $825) Monthly bonus for 6 mos. (min. spend split): 30,000 pts (≈ $450) Earn on min. spend : 7,500 pts (≈ $113) Card fee: deducted (-$599) Also offered but not included in Valuation: NEXUS credit ($100) Rewards: ≈ $1388 Card fee: $599	For Air Canada lounge access & other AC benefits	SEE MORE
	TD® Aeroplan® Visa* Infinite Privilege* Card Card: $150k minimum income requiredMinimum personal income of $150,000 or minimum household income of $200,000 Bonus: spend $12k in 12 mos.	≈ $775Flytrippers Valuation Welcome bonus (after 1st purchase): 20,000 pts (≈ $300) Welcome bonus (after $7.5k min. spend): 60,000 pts (≈ $900) Earn on 7.5k min. spend: 10,313 pts (≈ $155) Anniversary bonus (after another $4.5k in spend): 35,000 pts (≈ $525) Earn on another 4.5k in spend: 6,188 pts (≈ $93) Card fee (year 1): deducted (-$599) Card fee (year 2): deducted (-$599) Also offered but not included in Valuation Credit: for NEXUS ($100) Rewards: ≈ $1374 Card fee: $599	For Air Canada lounge access and 6 passes (other lounges)	SEE MORE ends May 28th
	American Express® Aeroplan®* Card Card: $0 minimum income requiredNo minimum income required. Bonus: spend $3k in 6 mos.	≈ $675Flytrippers Valuation Welcome bonus: 35,000 pts (≈ $525) Monthly bonus for 6 mos. (min. spend split): 15,000 pts (≈ $225) Earn on min. spend: 3,000 pts (≈ $45) Card fee: deducted (-$120) Rewards: ≈ $795 Card fee: $120	Valuable Aeroplan pts without min. income and lower min. spend	SEE MORE
New	HSBC World Elite® Mastercard® Card: $80k minimum income requiredMinimum personal income of $80,000 or minimum household income of $150,000 Bonus: spend $6k in 6 mos. (see QC offer)	≈ $688Flytrippers Valuation Welcome bonus (after 1st purchase): 20,000 pts (≈ $120) Welcome bonus (min. spend of $1k/mo for 6 mos.): 60,000 pts (≈ $360) Earn on min. spend: 18,000 pts (≈ $108) Annual credit: for travel ($100) Card fee: first year free (-$0) Rewards: ≈ $688 Card fee: $0 $149	No FX fee good earn rate & flexible rewards	SEE MORE ends May 31st
Terms and conditions apply. Flytrippers editorial opinion only. Financial institutions are not responsible for maintaining the content on this site. Please click "See More" to see most up-to-date information.

Best credit card offers (March 2023)
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 May 28th
≈ $845Flytrippers Valuation Welcome bonus (after 1st purchase): 10,000 pts (≈ $150) Welcome bonus (after $5k min. spend): 30,000 pts (≈ $450) 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): 1st year free (-$0) Card fee (year 2): deducted (-$149) Also offered but not included in Valuation Credit: for NEXUS ($100)
Rewards: ≈ $845
Card fee: $0 $139
Best for: Valuable Aeroplan pts and travel benefits $5k spend option also available
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 May 28th
$825Flytrippers Valuation Welcome bonus (after 1st purchase): 20,000 pts ($100) Welcome bonus (after min. spend): 115,000 pts ($575) 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: $825
Card fee: $0 $139
Best for: Highest offer for simple points and 1st year free
RBC Avion Visa Infinite Card
Card: $60k minimum income requiredMinimum personal income of $60,000 or minimum household income of $100,000
Bonus: spend $5k in 6 mos.
WELCOME BONUS	SEE MORE ends April 30th
≈ $780Flytrippers Valuation Welcome bonus (after 1 purchase): 35,000 pts (≈ $525) Welcome bonus (after min. spend): 20,000 pts (≈ $300) Earn on min. spend: 5,000 pts (≈ $75) Card fee: deducted (-$120)
Rewards: ≈ $900
Card fee: $120
Best for: Versatile rewards valuable or simple great beginner's card
Extended National Bank® 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 June 30th
≈ $750Flytrippers Valuation Welcome bonus: 30,000 pts ($300) Insurance bonus: 10,000 pts ($100) Travel extras credit (2023): varies by traveler* (≈ $150) Travel extras credit (2024): varies by traveler* (≈ $150) Earn on min. spend: 5,000 pts ($50) Card fee: first year free (-$0) Also offered but not included in Valuation: additional renewal bonus of 30,000 pts ($300) if you spend another $7,000 in the first 12 months
Rewards: ≈ $750
Card fee: $0 $150
Best for: Great offer & great insurance & YUL lounge access
American Express Cobalt® Card
Card: $0 minimum income requiredNo minimum income required.
Bonus: spend $500/mo for 12 mos.
WELCOME BONUS	SEE MORE
≈ $744Flytrippers Valuation Welcome bonus: 30,000 pts (≈ $450) Earn on min. spend: 30,000 pts (≈ $450) Card fee: deducted (-$156)
Rewards: ≈ $900
Card fee: $156
Best for: Best overall card in Canada
American Express® Aeroplan®* Reserve Card
Card: $0 minimum income requiredNo minimum income required.
Bonus: spend $6k in 6 mos.
WELCOME BONUS	SEE MORE
≈ $789Flytrippers Valuation Welcome bonus: 55,000 pts (≈ $825) Monthly bonus for 6 mos. (min. spend split): 30,000 pts (≈ $450) Earn on min. spend : 7,500 pts (≈ $113) Card fee: deducted (-$599) Also offered but not included in Valuation: NEXUS credit ($100)
Rewards: ≈ $1388
Card fee: $599
Best for: For Air Canada lounge access & other AC benefits
TD® Aeroplan® Visa* Infinite Privilege* Card
Card: $150k minimum income requiredMinimum personal income of $150,000 or minimum household income of $200,000
Bonus: spend $12k in 12 mos.
WELCOME BONUS	SEE MORE ends May 28th
≈ $775Flytrippers Valuation Welcome bonus (after 1st purchase): 20,000 pts (≈ $300) Welcome bonus (after $7.5k min. spend): 60,000 pts (≈ $900) Earn on 7.5k min. spend: 10,313 pts (≈ $155) Anniversary bonus (after another $4.5k in spend): 35,000 pts (≈ $525) Earn on another 4.5k in spend: 6,188 pts (≈ $93) Card fee (year 1): deducted (-$599) Card fee (year 2): deducted (-$599) Also offered but not included in Valuation Credit: for NEXUS ($100)
Rewards: ≈ $1374
Card fee: $599
Best for: For Air Canada lounge access and 6 passes (other lounges)
American Express® Aeroplan®* Card
Card: $0 minimum income requiredNo minimum income required.
Bonus: spend $3k in 6 mos.
WELCOME BONUS	SEE MORE
≈ $675Flytrippers Valuation Welcome bonus: 35,000 pts (≈ $525) Monthly bonus for 6 mos. (min. spend split): 15,000 pts (≈ $225) Earn on min. spend: 3,000 pts (≈ $45) Card fee: deducted (-$120)
Rewards: ≈ $795
Card fee: $120
Best for: Valuable Aeroplan pts without min. income and lower min. spend
New HSBC World Elite® Mastercard®
Card: $80k minimum income requiredMinimum personal income of $80,000 or minimum household income of $150,000
Bonus: spend $6k in 6 mos. (see QC offer)
WELCOME BONUS	SEE MORE ends May 31st
≈ $688Flytrippers Valuation Welcome bonus (after 1st purchase): 20,000 pts (≈ $120) Welcome bonus (min. spend of $1k/mo for 6 mos.): 60,000 pts (≈ $360) Earn on min. spend: 18,000 pts (≈ $108) Annual credit: for travel ($100) Card fee: first year free (-$0)
Rewards: ≈ $688
Card fee: $0 $149
Best for: No FX fee good earn rate & flexible rewards
Terms and conditions apply. Flytrippers editorial opinion only. Financial institutions are not responsible for maintaining the content on this site. Please click "See More" to see most up-to-date information.

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 possible uses of 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 First Class Travel 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 simple points that can be applied to almost any trip).

Learn more

TD First Class Travel 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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