Top 15 Travel Credit Cards in Canada: Best for Earning Rewards & Points
Ever booked a flight and thought, “I’m spending all this money—shouldn’t I be getting something back?” You’re definitely not the only one. Travel isn’t cheap. And if you’re already swiping your card for flights, hotels, or even airport snacks, why not earn a little something in return?
That’s where travel credit cards can make a difference.
But not all of them are as helpful as they seem. Some give you loads of points but barely any real perks. Others come with fancy offers but with hidden fees. If you’re based in Canada and love to travel (or even just take the occasional getaway), it’s smart to know which cards are actually worth it.
Quick Guide on Top 15 Travel Credit Cards in Canada:
Here is a brief look at the top travel credit cards in Canada, with interest rates, rewards, and fees to help you choose the right one for your trips.
- TD® Aeroplan® Visa Infinite* Card
If you’re someone who flies with Air Canada regularly, this card could be a great fit. You’ll earn Aeroplan points faster and can use them for flights with Air Canada or over 25 partner airlines like United and Lufthansa.
Perks like a free first checked bag for you and your travel buddies (up to eight!) can really add up. Plus, you get up to USD 100 back every few years for a Nexus membership — great for smoother airport lines. It also comes with solid travel insurance.
Just keep in mind there’s a USD 139 annual fee, and the Aeroplan system takes a bit of time to figure out. But once you get the hang of it, the rewards can be worth it.
Eligibility requirements
- Minimum credit score: 660
- Minimum income: USD 60,000 per year
Interest rates
- Purchase interest: 21.99%
- Cash advance: 22.99%
- Balance transfer: 22.99%
- American Express Cobalt® Card
If you spend a lot on restaurants, takeout, or streaming — and also love to travel — the Amex Cobalt is among the top-rated travel credit cards in Canada. You’ll earn 5x points on food and drinks, 3x on streaming, and 2x on transit, rideshares, and gas — which adds up fast.
Points are super flexible too: redeem them for flights, transfer to Aeroplan or other loyalty programs, or even use them for statement credits. Perks like exclusive event access and strong travel insurance are a nice bonus.
Just note the monthly fee of USD 12.99 (adds up to about USD 156 a year), and Amex isn’t accepted everywhere like Visa or Mastercard. Also, it doesn’t include airport lounge access, and medical travel insurance doesn’t cover those over 65.
Eligibility requirements
- Minimum credit score: 725
- Minimum income: N/A
Interest rates
- Purchase interest: 21.99%
- Cash advance: 21.99%
- Balance transfer: N/A
- BMO eclipse Visa Infinite* Card
If you want a card that rewards your day-to-day spending and makes travel easy, the BMO eclipse Visa Infinite delivers on both. You’ll earn bonus points on gas, groceries, takeout, transit, and even your monthly bills — plus, you’re not tied to specific travel partners.
Just book your trip however you like, then use your points to cover it later. There’s also a USD 50 annual lifestyle credit and built-in insurance for travel, car rentals, and even your phone.
The only catch? There are spending limits on those higher earn rates, and the points don’t stretch quite as far as programs like Aeroplan — but the flexibility makes up for it
Eligibility requirements
- Minimum credit score: 725
- Minimum income: USD 60,000 per year
Interest rates
- Purchase interest: 21.99%
- Cash advance: 23.99%
- Balance transfer: 23.99%
- Scotiabank®* Gold American Express® Card
If you love dining out, catching live shows, or jetting off on trips, this card delivers great bang for your buck. You’ll earn 5x points on restaurants, groceries, delivery, and entertainment, plus 3x on gas and transit — making everyday spending seriously rewarding.
One of the best perks? No foreign transaction fees, so you save money when shopping online in other currencies or spending abroad. It also comes with extensive travel coverage and insurance, including 25 days of emergency medical coverage.
On the flip side, Amex isn’t accepted everywhere, there’s a USD 120 annual fee, and you can’t transfer points to airline programs. Lounge access is available, but it’s not free. Still, if your lifestyle matches the perks, this card can really pay off.
Eligibility requirements
- Minimum credit score: 725
- Minimum income: USD 12,000 per year
Interest rates
- Purchase interest: 20.99%
- Cash advance: 22.99%
- Balance transfer: 22.99%
- Scotiabank Passport™ Visa Infinite* Card
If you are someone who travels abroad even a few times a year, this card is built with you in mind. You’ll save on every foreign purchase thanks to no foreign transaction fees (that’s 2.5% saved right off the top), and you get six free airport lounge visits every year — a real perk during long layovers.
You’ll earn Scene+ points on groceries, dining, entertainment, and transit, and redeeming them is super flexible — use them for travel, groceries, movie nights, or even as a statement credit. It also comes with solid travel insurance and premium Visa Infinite perks.
The USD 150 annual fee is a bit on the higher side, and the earn rate on some categories isn’t the best out there, but for frequent flyers, the overall value still holds strong.
Eligibility requirements
- Minimum credit score: 725
- Minimum income: USD 60,000 per year
Interest rates
- Purchase interest: 20.99%
- Cash advance: 22.99%
- Balance transfer: 22.99%
- American Express® Gold Rewards Card
This card is a great pick if you want to collect points fast and use them how you like. Right now, you can earn up to 110,000 points in your first year, which could mean up to USD 1,100 toward travel. You’ll get 2 points per dollar on travel, gas, groceries, and drugstores — and 1 point on everything else.
It also comes with helpful extras like a USD 100 travel credit, USD 50 back for NEXUS, and lounge access with 4 free visits a year. You can redeem points for flights, hotels, or even as a statement credit — or transfer them to programs like Aeroplan.
Just remember, Amex isn’t accepted everywhere, but if you plan your spending, this card offers a lot of value.
Eligibility requirements
- Minimum credit score: 725
- Minimum income: N/A
Interest rates
- Purchase interest: 21.99%
- Cash advance: 21.99%
- Balance transfer: N/A
- CIBC Aventura® Gold Visa* Card
Considered as one of the most rewarding travel credit cards in Canada, this card is an ideal pick for those just getting started with travel points.. You only need a USD 15,000 household income to apply, and it comes with a big welcome offer worth over USD 1,500 in value. That includes up to 45,000 points, no annual fee for the first year, 4 free airport lounge visits, and a NEXUS fee rebate.
You’ll earn points on everyday spending like gas, groceries, and drugstores, and even more when you book travel through CIBC. The points don’t expire, and you can use them for flights, hotels, car rentals, or even gift cards and cash back.
It also comes with nice extras like gas discounts and free Skip+ for a year. Simple, flexible, and easy to get — a great travel card for beginners.
Eligibility requirements
- Minimum credit score: 725
- Minimum income: USD 15,000 per year
Interest rates
- Purchase interest: 20.99%
- Cash advance: 22.99%
- Balance transfer: 22.99%
- Annual fee: USD 139
- RBC Avion Visa Infinite
If you want a flexible travel card without blackout dates or restrictions, the RBC Avion Visa Infinite is one of the must-have travel credit cards in Canada. You can use your points to book flights, hotels, car rentals, and more — whenever and however you want. It also comes with comprehensive travel insurance, covering things like trip cancellations and emergency medical, so you can travel with confidence.
A fun bonus? You get early access to big concert tickets and live events. The annual fee is USD 120, and while there’s no break on foreign transaction fees, the perks make it a good choice for frequent travelers. Just know the earn rate (1 point per USD 1) is a bit lower than some other cards.
Eligibility requirements
- Minimum income: USD 60,000 per year
Interest rates
- Purchase interest: 20.99%
- Cash advance: 22.99%
- Balance transfer: 22.99%
- TD First Class Travel® Visa Infinite* Card
This is one of the highly recommended travel credit cards in Canada if you like booking trips through Expedia. You can use your points for flights, hotels, and more — and redeem them in small amounts, starting at just USD 1. You’ll also get a USD 100 travel credit every year when you book through Expedia for TD, plus solid travel insurance for things like trip cancellations and emergency medical.
Just keep in mind: there’s a USD 139 annual fee and you’ll need at least USD 60,000 personal income to qualify. The value of each point is on the lower side, and there’s no free lounge access — just a discount. Also, foreign transaction fees apply, so it’s not ideal for spending abroad. But overall, it’s a simple card that gives good value if you travel often.
Eligibility requirements
- Minimum credit score: 725
- Minimum income: USD 60,000 per year
Interest rates
- Purchase interest: 21.99%
- Cash advance: 22.99%
- Balance transfer: 22.99%
- American Express® The Platinum Card®
If you travel often and like a bit of luxury, the Amex Platinum might be worth the high price tag. You get unlimited airport lounge access worldwide, hotel upgrades, and up to USD 200 in annual travel and dining credits. The travel insurance is excellent too, covering medical emergencies, trip delays, and even travel accidents, making it one of the top picks for travel credit cards in Canada.
You can also transfer your points 1:1 to loyalty programs like Aeroplan and Marriott Bonvoy, which helps you get more value from your rewards. That said, it has a very high annual fee, you’ll need to pay your balance in full each month, and foreign transaction fees still apply. Plus, Amex isn’t accepted everywhere — so it’s best used as a second card if you want those premium perks.
Eligibility requirements
- Minimum credit score: 725
- Minimum income: USD 30,000 per year
Interest rates
- Purchase interest: N/A
- Cash advance: N/A
- Balance transfer: N/A
- American Express® Green Card
If you want a travel card without paying a yearly fee, the Amex Green Card is a strong pick. You earn 2x points on travel booked through Amex Travel, and points are easy to redeem for flights, hotels, gift cards, or even Amazon.ca purchases. You can also transfer points 1:1 to programs like Aeroplan and Marriott Bonvoy — a big plus if you want to stretch your rewards further.
Since it’s a no-fee card, the standard earn rate is lower (1 point per USD 1), and it doesn’t come with much travel insurance — just extended warranty and purchase protection. But overall, this is one of the reliable travel credit cards in Canada for anyone looking to earn travel points without paying a huge annual fee.
Eligibility requirements
- Minimum credit score: 725
- Minimum income: N/A
Interest rates
- Purchase interest: 21.99%
- Cash advance: 21.99%
- Balance transfer: N/A
- American Express® Aeroplan®* Reserve Card
If you fly with Air Canada often and enjoy VIP treatment, this card has a lot to offer. You’ll get priority check-in, boarding, and a free first checked bag on Air Canada flights — plus complimentary lounge access at Maple Leaf Lounges across North America. It is one of the premier travel credit cards in Canada offering strong travel insurance, including coverage for Aeroplan reward flights, delays, lost baggage, and more.
The sad part? It comes with a high USD 599 annual fee, and Amex isn’t accepted everywhere in Canada. Also, the point earn rates aren’t the best unless you travel often or spend a lot on dining. But if you’re loyal to Air Canada and want a smooth, premium travel experience, this card can be worth it.
Eligibility requirements
- Minimum credit score: 725
- Minimum income: N/A
Interest rates
- Purchase interest: 21.99%
- Cash advance: 21.99%
- Balance transfer: N/A
- CIBC Aventura® Visa Infinite* Card
This card is an excellent choice if you want travel benefits and earn points on everyday spending like gas and groceries. You get 4 free airport lounge visits, a NEXUS fee rebate, and strong travel and mobile insurance — all helpful if you’re on the go.
Having said that, the point earn rate isn’t the highest, and there’s a USD 139 annual fee. You’ll also need a USD 60,000 income to qualify. Plus, to use your points for travel, you have to book through the CIBC Rewards Centre. But if you’re okay with that, this is the best travel credit cards in Canada offering good value and solid travel perks.
Eligibility requirements
- Minimum credit score: 725
- Minimum income: $60,000/yr
Interest rates
- Purchase interest: 20.99%
- Cash advance: 22.99%
- Balance transfer: 22.99%
- The Marriott Bonvoy® American Express®* Card
This is one of the best travel credit cards in Canada if you fly often and prefer staying at Marriott hotels. You’ll earn 5 points per USD 1 at Marriott Bonvoy hotels and 2 points on everything else. Every year, you get a free night stay, which adds a lot of value.
It also gives you Silver Elite status, which comes with perks like bonus points, better rates, and late checkout. You can use your points at over 7,000 hotels worldwide, including brands like Westin, Sheraton, and Ritz-Carlton.
The main downsides? It doesn’t include emergency travel medical insurance, and points aren’t as valuable if you use them for flights. Still, if hotels are a big part of your travel, this card makes it easy to earn and enjoy rewards.
Eligibility requirements
- Minimum credit score: 725
- Minimum income: N/A
Interest rates
- Purchase interest: 21.99%
- Cash advance: 21.99%
- Balance transfer: N/A
- BMO Ascend™ World Elite®* Mastercard®*
If you fly often and prefer Mastercard, this is one of the perfect travel credit cards in Canada that offer great value. You earn 3 points per USD 1 on dining, entertainment, and bills, and 1 point on everything else. It includes top-tier travel insurance, with up to USD 5 million in emergency medical coverage.
You also get 4 free lounge visits each year and access to 24/7 concierge services. Points are flexible and easy to redeem for flights with no blackout dates.
The drawback? It has a high USD 80,000 income requirement, and the point value is lower than some other cards. Still, it’s a solid pick for frequent travelers.
Eligibility requirements
- Minimum credit score: 760
- Minimum income: USD 80,000 per year
Interest rates
- Purchase interest: 21.99%
- Cash advance: 23.99%
- Balance transfer: 23.99%
Final Words
If you’re spending money on travel anyway, it just makes sense to get something back. The best travel credit cards in Canada don’t just reward flights—they give you points on everyday stuff too, like groceries, takeout, or your ride to the airport. Some even cover those sneaky foreign transaction fees or throw in travel insurance when you book.
Bottom line? If your wallet’s doing the heavy lifting, it should be getting a few perks in return.
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