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Travel Reward Credit Cards

There are now a vast number of credit cards offering travel rewards in Canada. Reward credit cards offers the cardholder great incentives for everyday purchases. As like most reward cards, the annual fee tends to be higher depending on the rewards on offer.

When redeeming flights using your air miles you will still have to pay taxes and other surcharges. Due to the higher interest rates on the reward cards, it is always beneficial to settle the balance in full each month, as otherwise the interest incurred is likely outweigh the value of the free flights on offer.

If you know your credit rating, select it by hovering your mouse over the panel to the right and clicking on the appropriate rating. If you don’t know your credit rating, click the button to calculate it for free. This will match up your rating with lender appetite to give you the best chance of success with your application.

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Scotiabank Gold American Express Card - 19.99% APR Representative Variable

APPLY TODAY
Find out more & apply online now
  • Annual fee of $99 - waived 1st year
  • Annual fee is $99
  • Earn 15,000 bonus points with your first $1000 in everyday purchases in the first 3 months
  • Comprehensive travel insurance

Although the Scotiabank Gold American Express Card comes with a high credit limit, the biggest draw to this card is the rewards on offer. On spending $1,000 within the first 3 months you will receive 15,000 bonus points, which is equivalent to $150 in travel. Points can be earned up to 4 times faster with 4 points being rewarded for every $1 spent at eligible gas stations, grocery stores and on dining and entertainment. Along with free comprehensive travel insurance, you also have access to Priority Pass Lounges Worldwide.

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BMO AIR MILES MasterCard - 19.9% APR Representative Variable

APPLY TODAY
Find out more & apply online now
  • No annual fee
  • 1 reward mile for every $20 in purchases made
  • Free additional card
  • Get free extended warranty and purchase protection

The BMO Air Miles MasterCard comes with no annual fee and targets those who wish to be rewarded for travelling frequently. For every $20 spent using the card you will earn 1 reward mile. You will receive an increased rate of 1.25 reward miles for purchases made at Shell locations across Canada, and a further 1.5 miles when using the card at National Car Rental and Alamo Rent A Car locations worldwide. Along with free extended warranty and purchase protection as standard, this card is great option for those more expensive purchases.

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American Express Air Miles Credit Card - 19.99% APR Representative Variable

APPLY TODAY
Find out more & apply online now
  • No annual fee
  • Earn 500 reward miles when making your first purchase
  • Earn 1 reward mile for every $15 in card purchases at AIR MILES Sponsors
  • Earn 1 reward mile for every $20 in card purchases elsewhere

A no annual fee airmiles card with two introductory offers. First, an interest rate of 0% for the first 6 months on balance transfers, and second, a welcome bonus of 500 airmiles awarded after your first purchase. There's a minimum income requirement of $15,000 which makes the card accessible to most. 1 reward mile is given on every $15 spent at Air Mile sponsors. All other purchases using the card earn 1 reward mile for every $20 spent. Travel insurance and Entertainment Access privileges are included free.

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American Express Blue Sky Credit Card - 19.99% APR Representative Variable

APPLY TODAY
Find out more & apply online now
  • No annual fee
  • Earn 1.25 Blue Sky points for every dollar spent
  • Blue Sky points have no blackout dates
  • $100,000 travel accident insurance

As with all American Express cards, the Blue Sky credit card offers rewards at no extra cost. You earn Blue Sky points rather than airmiles. There’s a welcome bonus of 10,000 – worth around $100 - when you spend $500 in the first three months, then 1.25 Blue Sky points for every dollar spent. Blue Sky points never expire, have no blackout dates or seat restrictions, so they can be used at any time, even seasonal when flights may be cheaper. To be accepted you will need to have an annual income of at least $15,000 per year. Travel insurance and Entertainment Access privileges are included free.

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BMO Rewards MasterCard - 19.99% APR Representative Variable

APPLY TODAY
Find out more & apply online now
  • Annual fee of $35
  • 1% back for travel on all card purchases
  • Earn 1 BMO reward point for every $1 spent
  • Double points and rental discounts at National Car

The BMO Rewards MasterCard is a flexible travel rewards credit card. You can redeem reward points at any time with no blackout periods. Rewards also cover all flight charges including taxes. Plus another great bonus of the reward scheme is that the points earned never expire. You will earn 1 BMO Reward point for every $1 spent, which can be used to purchase merchandise, gift cards and travel. With an annual fee of only $35, if used carefully it shouldn't take long until the card rewards pay for itself. The interest rate is competitive too.

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BMO US Dollar MasterCard - 19.99% APR Representative Variable

APPLY TODAY
Find out more & apply online now
  • Annual fee of $35
  • No exchange rate surprises
  • Free extended warranty and purchase protection

Forget costly exchange rate surprises or currency conversion fees, this US denominated card is for you if you buy frequently from the US, or if you travel to the States on a regular basis for shopping trips or for work. If your purchases total US$1,00 or more per year then BMO will rebate the $35 annual fee - one of the lowest annual fees for this type of card. There is also free 90 day purchase protection and extended warranty for all purchases made on the card.

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CIBC Aerogold Visa Infinite Card - 19.99% APR Representative Variable

APPLY TODAY
Find out more & apply online now
  • Annual fee of $120
  • 1 Aeroplan Mile for every $1 spent using your card
  • Earn 50% more Aeroplan Miles at selected stores
  • Annual income of at least $60,000

If you want premium travel rewards but with the added extra of earning Aeroplan Miles every time you use the card, then this is the card for you. As a welcome bonus, on your first purchase you will receive 15,000 Aeroplan Miles. For everyday spending using your card, a further Aeroplan Mile will be earned for every $1 spent. You will enjoy Visa Infinite exclusive offers, including offers on luxury worldwide travel, hotels, dining and entertainment events when booked through the CIBC Travel Concierge service.

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ScotiaGold Passport VISA Card - 19.99% APR Representative Variable

APPLY TODAY
Find out more & apply online now
  • Annual fee of $110
  • Earn 5,000 bonus points on first purchase
  • Travel anywhere, at any time with no restrictions
  • Comprehensive travel protection and insurance

For those who enjoy traveling and want to get the most out of their card, the ScotiaGold Passport Visa card is great option. Not only does the card compliment your travel plans with comprehensive travel insurance for you and your whole family, but the card also offers 5,000 bonus points with your first purchase within 60 days of your account open date. There is an annual fee of $110, but this is reduced to $65 for over 65's, and reflects the relatively wide cover offered by the included travel insurance.

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Scotiabank American Express Card - 19.99% APR Representative Variable

APPLY TODAY
Find out more & apply online now
  • No annual fee
  • Earn one Scotia Rewards point on all eligible everyday purchases
  • Comprehensive travel insurance

Scotiabank has joined forces with American Express to offer an entry level travel rewards credit card. Your first $500 in everyday purchases on the card in the first 3 months will earn you 5,000 bonus points worth $50 in travel. Earn one Scotia Rewards point on all eligible purchases. If you want to earn rewards much quicker and don't mind paying the higher annual fee, then take a look at the Scotiabank Gold American Express card.

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TD Platinum Travel Visa Card - 19.99% APR Representative Variable

APPLY TODAY
Find out more & apply online now
  • Annual fee of $99
  • Welcome bonus of 15,000 TD points
  • Earn TD points using your card
  • No balance transfer offer

TD's only Platinum card is a travels reward credit card. Similar to that of the TD First Class Travel Visa Infinite Card, the points are tiered depending on how you use your card. With a lower annual fee, the reward points on offer are smaller with all online travel bookings through Expedia earning 6 TD points for every $1 spent. Although the points are worth slightly less than some of other travel cards, there are no blackout periods or restrictions on when and how you fly, which gives valuable flexibility on redemption.

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TD Aeroplan Visa Platinum Card - 19.99% APR Representative Variable

APPLY TODAY
Find out more & apply online now
  • Annual fee of $89
  • Earn 20,000 Aeroplan miles for your first purchase
  • Earn 1 mile for every $1 you spend on selected goods
  • Points never expire

To be considered you need to have a clear credit report and earn at least $1,000 per month. As a welcome bonus you will receive 10,000 Aeroplan Miles when they making your first purchase and a further mile for every $1 spent on gas, grocery and drug store purchases. For all further purchases using the card, for every $1.50 spent 1 mile will be earned. A great benefit of the TD Aeroplan card is that twice as many miles can be earned when shopping with one of Aeroplan's partners online through the Aeroplan eStore.

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TD Aeroplan Visa Infinite Card - 19.99% APR Representative Variable

APPLY TODAY
Find out more & apply online now
  • Annual fee of $120
  • Welcome bonus of up to 30,000 Aeroplan miles
  • Earn up to 1.5 miles for every $1 you spend
  • Receive a host of Air Canada benefits

Like many of the travel rewards credit cards offered by TD, you will be rewarded with a welcome bonus for making your first purchase. This is no different for the Aeroplan Visa Infinite card with 15,000 bonus Aeroplan miles on offer when using your card for the first time. You can also earn up to 2 miles for each $1 spent when shopping at one of 150 Aeroplan partner brands. Keeping track and redeeming miles is also very easy. You can simply check your balance online or through the mobile app and turn your miles into rewards from the Aeroplan website.

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TD U.S. Dollar Visa Card - 19.99% APR Representative Variable

APPLY TODAY
Find out more & apply online now
  • Annual fee of $39
  • Eliminate conversion rates and fees
  • Receive host of travel benefits
  • No cashback offered

If you are a frequent traveler to the US, you are likely to be stung with high conversion rates and fees for the purchases that you make. With the TD U.S Dollar card you will immediately eliminate these for any purchases made. For the annual fee of $39 it shouldn't take long for these savings to outweigh this annual cost. You will also receive a number of travel benefits which include Emergency travel assistance service and trip interruption insurance. A great travel card that means no more surprises when you receive your monthly credit card statement.

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RBC Visa Platinum Avion - 19.99% APR Representative Variable

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Find out more & apply online now
  • Annual fee of $120
  • Start flying with 15,000 bonus points
  • Earn 1 RBC rewards point for every $1 spent
  • Redeem points for flights on any airline

You can redeem Reward points for various travel options or selected merchandise or you can choose to donate to charity or exchange your points for WestJet dollars‡, Asia Miles, Avios points or American Airlines Aadvantage miles. The redeeming process is easy and can be completed online. For the annual fee of $120 you will receive one point for every dollar spent on the card. Start flying from as little as 15,000 points and fly on any airline, anytime with no blackouts, or seat restrictions.

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RBC U.S. Dollar Visa Gold - 19.99% APR Representative Variable

APPLY TODAY
Find out more & apply online now
  • Annual fee of $65
  • Earn 1 RBC rewards point for every US $1 spent
  • Make transactions in US funds
  • No balance transfer offer

The RBC U.S. Dollar Visa Gold credit card is one of the only US$ denominated credit cards in Canada that offers reward incentives. It comes with a fee of $65 USD, which is higher than other US dollar cards on offer. A Premium and Extensive Insurance package comes as standard which includes trip cancellation and 24/7 travel assistance, along with protection for your trip, hotel, rental vehicle, purchases and more. Earn 1 RBC Reward point for every $1 spent with your card which can be redeemed for travel rewards, merchandise and gift cards/certificates or converted to Extra points, Shoppers Optimum points‡ or WestJet dollars.

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WestJet RBC MasterCard - 19.99% APR Representative Variable

APPLY TODAY
Find out more & apply online now
  • Annual fee of $39
  • Earn 1% back in WestJet dollars
  • Enjoy a host of insurance coverages
  • No balance transfer offer

On your first purchase you receive a welcome bonus of $50 WestJet dollars. Considering the annual fee is $39, this welcome bonus can cover the fee in discounts off your next flight. WestJet dollars can be earned on everyday purchases which are redeemed towards the cost of any WestJet flight or WestJet Vacations package, at any time, for travel to any WestJet destination. For every $1 spent on the card you will earn 1% in WestJet dollars, and a further increased rate of 1.5% when using your card to purchase WestJet flights or WestJet vacation packages.

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National Bank World MasterCard - 19.99% APR Representative Variable

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Find out more & apply online now
  • Annual fee of $125
  • Earn up to 2 points per dollar in purchases
  • Get access to an outstanding concierge service

To be accepted for the World MasterCard you must earn a gross annual income of at least $60,000 or have a combined household income of $100,000. The World credit card allows you to accumulate points at an accelerated rate over a 12 month period from when the card is opened. When you spend up to $20,000 you will earn 1.5 points per dollar in purchases and when spending between $20,000-$30,000 you will earn an increased rate of 2 points per dollar. An added bonus of the World card is the Concierge service, which is designed to make your life easier. As well as providing you information and recommendations, their thoughtful staff can also make reservations both here and abroad.

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RBC British Airways Visa Infinite - 20.5% APR Representative Variable

APPLY TODAY
Find out more & apply online now
  • Annual fee of $165
  • Earn 1 Avios point for every $1 you spend on the card
  • 15,000 bonus Avios as a welcome bonus upon approval
  • $60,000 minimum personal salary required

For high earning travellers who fly BA or their OneWorld partners a lot, the Avios rewards on spending can justify the relatively high annual fee. You must earn a minimum of $60,000 (personal) or $100,000 (household). One of the most popular travel cards in Canada due to its redemption options, the Avios points earned can be redeemed against travel on British Airways and Oneworld Airlines, as well as for car rentals and hotel stays. If accepted, you will also receive a minimum credit limit of $5,000, and if you spend $30,000 or more on the card in any calendar year, you will receive a complimentary Companion Award Ticket.

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