Sparks and BloomPowered by Milesopedia
Best for: Overall value
5.0Ratesopedia rating

It comes with a welcome bonus of 170,000 points. You earn 1x on groceries and 2x at restaurants. Estimated first-year value is $2,560.

Best of Month
Annual Fee
$799
Rewards rate
1x

Amex Membership Rewards

Welcome Bonus
170,000 points
1st Year Value
$2,560

Pros

  • Welcome bonus of 170,000 points
  • 2x at restaurants
  • Estimated 1st-year value of $2,560

Cons

  • High annual fee ($799)
Best for: Overall value
5.0Ratesopedia rating

It comes with a welcome bonus of 90,000 points. You earn 1.25x on groceries and 1.25x at restaurants. Estimated first-year value is $1,826.

Best of Month
Annual Fee
$599
Rewards rate
1.25x

Aeroplan

Welcome Bonus
90,000 points
1st Year Value
$1,826

Pros

  • Welcome bonus of 90,000 points
  • Estimated 1st-year value of $1,826

Cons

  • High annual fee ($599)
Best for: Overall value
5.0Ratesopedia rating

It comes with a welcome bonus of 85,000 points. You earn 1.5x on groceries and 1.5x at restaurants. Estimated first-year value is $1,811.

Best of Month
Annual Fee
$599
Rewards rate
1.25x

Aeroplan

Welcome Bonus
85,000 points
1st Year Value
$1,811

Pros

  • Welcome bonus of 85,000 points
  • Estimated 1st-year value of $1,811

Cons

  • High annual fee ($599)
  • Requires good credit
Best for: Overall value
4.8Ratesopedia rating

It comes with a welcome bonus of 120,000 points. You earn 1.25x on groceries and 1.25x at restaurants. Estimated first-year value is $1,715.

Best of Month
Annual Fee
$799
Rewards rate
1.25x

Amex Membership Rewards

Welcome Bonus
120,000 points
1st Year Value
$1,715

Pros

  • Welcome bonus of 120,000 points
  • Estimated 1st-year value of $1,715

Cons

  • High annual fee ($799)
Best for: 1st Yr Fee Rebate
5.0Ratesopedia rating

The BMO VIPorter World Elite Mastercard offers a first year annual fee rebate (regular fee $199/yr). It comes with a welcome bonus of 70,000 points. You earn 2x on groceries and 2x at restaurants. Estimated first-year value is $1,644.

1st Yr Fee Rebate
Annual Fee
$199 $0
Rewards rate
1x

Porter VIPorter

Welcome Bonus
70,000 points

Ends Jun 30, 2026

1st Year Value
$1,644

Pros

  • First Year Annual Fee Rebate
  • Welcome bonus of 70,000 points
  • 2x on groceries
  • 2x at restaurants

Cons

  • High annual fee ($199)
  • Requires good credit
Best for: Travel rewards
5.0Ratesopedia rating

It comes with a welcome bonus of 100,000 points. You earn 1.25x on groceries and 1.25x at restaurants. Estimated first-year value is $1,520.

Annual Fee
$399
Rewards rate
1.25x

RBC Avion Rewards

Welcome Bonus
100,000 points
1st Year Value
$1,520

Pros

  • Welcome bonus of 100,000 points
  • Estimated 1st-year value of $1,520

Cons

  • High annual fee ($399)
  • Requires good credit
Best for: Overall value
5.0Ratesopedia rating

It comes with a welcome bonus of 60,000 points. You earn 2x on groceries and 1x at restaurants. Estimated first-year value is $1,411.

Best of Month
Annual Fee
$250
Rewards rate
1x

Amex Membership Rewards

Welcome Bonus
60,000 points
1st Year Value
$1,411

Pros

  • Welcome bonus of 60,000 points
  • 2x on groceries
  • Estimated 1st-year value of $1,411

Cons

  • High annual fee ($250)
Best for: Overall value
5.0Ratesopedia rating

It comes with a welcome bonus of 70,000 points. You earn 1x on groceries and 1x at restaurants. Estimated first-year value is $1,370.

Best of Month
Annual Fee
$199
Rewards rate
1x

Amex Membership Rewards

Welcome Bonus
70,000 points
1st Year Value
$1,370

Pros

  • Welcome bonus of 70,000 points
  • Estimated 1st-year value of $1,370

Cons

  • High annual fee ($199)
Best for: 1st Yr Fee Rebate
4.8Ratesopedia rating

The TD Aeroplan Visa Infinite Card offers a first year annual fee rebate (regular fee $139/yr). It comes with a welcome bonus of 40,000 points. You earn 1.5x on groceries and 1x at restaurants. Estimated first-year value is $1,330.

Best of Month1st Yr Fee Rebate
Annual Fee
$139 $0
Rewards rate
1x

Aeroplan

Welcome Bonus
40,000 points
1st Year Value
$1,330

Pros

  • First Year Annual Fee Rebate
  • Welcome bonus of 40,000 points
  • Estimated 1st-year value of $1,330

Cons

  • Requires good credit

Complete Guide

Best Travel Credit Cards in Canada

Earn points for flights, hotels, and experiences. Compare travel rewards, airport lounge access, and travel insurance benefits.

Travel credit cards earn points that can be redeemed for flights, hotels, car rentals, and experiences. The best travel cards offer 2–5x the value per point compared to cash back, making them ideal for frequent travellers.

Fixed vs Flexible Points

Some cards earn points in a specific airline program (Aeroplan, WestJet), while others earn flexible points (Amex MR, CIBC Aventura) transferable to multiple programs. Flexible points offer more redemption options.

Travel Insurance

Premium travel cards include trip cancellation, medical insurance, baggage coverage, and flight delay protection — potentially saving you hundreds on separate travel insurance policies.

47

Cards analyzed

Jun 2026

Last updated

100%

Independent

Methodology

Our team evaluates credit cards based on overall consumer value: rewards earning rates, annual fees, welcome bonuses, insurance coverage, and additional perks. Cards are ranked by estimated first-year value. We update our picks monthly.

📊Real data
🔄Updated regularly
⚖️Unbiased review
🎯Transparent criteria

FAQ

Frequently Asked Questions

1What's the best travel credit card in Canada?

The American Express Cobalt is consistently rated #1 for its 5x points on food/drink and flexible transfer partners. For Aeroplan specifically, the TD Aeroplan Visa Infinite is excellent.

2Do I need to pay an annual fee for a good travel card?

Generally yes. The best travel cards ($120–$800/yr) offer welcome bonuses, insurance, and earn rates that far exceed the fee. First-year fee waivers are common.

3Which loyalty program is best in Canada?

Aeroplan (Air Canada) has the best airline coverage. Amex Membership Rewards offers the most flexibility with transfer partners. Scene+ is best for everyday rewards.

Next step

Find your perfect card

Compare the best credit cards in Canada or calculate which card's rewards actually fit your budget.