Travel Credit Card Rewards

Travel Points Calculators
Calculate travel credit card rewards based on spend and compare results side by side to find the best travel credit card in Canada. Also includes calculators for calculating the cash value of travel rewards points and the transfer of rewards to partners.
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Travel credit card rewards are best if you're looking to earn rewards that can be redeemed to cover general travel expenses. This can include airfare, hotels, car rentals, cruises and more.

The most popular travel rewards programs are the ones that allow you to transfer your earned points to airline, hotel, and other loyalty programs. This gives you the chance to get significantly more value out of your rewards and it provides excellent flexibility as you'll have many options when it comes to redemptions.

The drawback to travel rewards credit cards is that points earned with these cards are typically best used for travel. This means redemptions such as cash back, gift cards, and statement credits towards non-travel purchases will give you low value.

So if you're planning on using your rewards primarily for travel, you'll want to consider a travel rewards credit card. You'll possibilty want to pair it with a hotel rewards card or airline rewards card if you're loyal to a specific airline or hotel chain.

If you're more of a cash back or gift card person, you'll want to consider cash back rewards.

Best Travel Rewards Credit Cards

Listed below are the best of the best in Canada when it comes to earning travel rewards points at an excellent rate.

If you're loyal to a specific frequent flyer program or hotel chain, be sure to consider the transfer partners that some of the listed programs offer. Being able to top off your miles or points with your favorite programs can be very useful.

You can check out our Points & Miles Transfer Calculator to get the details on programs that allow you to transfer rewards.

Best Flexible Rewards Card In Canada
Best No-Annual Fee Travel Card
Best For No Foreign Transaction Fees
Find out which Canada credit cards can earn you the most travel rewards based on your spend and get our list of top picks.

RBC Rewards & RBC Avion Rewards

Royal Bank of Canada (RBC) offers five RBC Avion Rewards credit cards and four RBC Rewards credit cards.

RBC Rewards credit cards earn RBC Rewards Points which are worth 1 cent on average. Points can also be transferred to WestJet Airlines and Hudson Bay Rewards.

RBC Avion Rewards credit cards earn RBC Avion Rewards Points which are worth 2 cents on average when redeemed for airfare via the RBC Air Travel Redemption Schedule. These points can also be transferred to additional partners such as American Airlines and British Airways.

Best Travel Card For Heavy Spenders
Best Low-Fee Option
Best Business Travel Card
View redemption options and calculate cash value

American Express Membership Rewards

The American Express Membership Rewards program offers five credit cards that earn Membership Rewards Points. These points have an average value of 1.5 to 2 cents each when used towards Fixed Points Travel via American Express.

Membership Rewards Points can also be transferred to 8 partners including Air Canada Aeroplan, Delta Airlines SkyMiles, and Marriott Bonvoy.

Best Flexible Rewards Card In Canada
Best For Lounge Access & Luxury Travel
Best For Lounge Access & Luxury Business Travel
View redemption options and calculate cash value

CIBC Aventura Rewards

CIBC offers six credit cards that earn Aventura Rewards Points. These points can be redeemed for 1.6 to 2.3 cents each in value for airfare and 1 cent each for other forms of travel.

Best For Travel Rewards
Best For No-Annual Fee
View redemption options and calculate cash value

Scotia Rewards

Scotia offers a total of six credit cards in their Scotia Rewards program. Points can be redeemed for 1 cent each towards travel which is great considering that many of their cards feature high multipliers across popular categories.

Several of Scotia's credit cards also have a 0% foreign transaction fee which makes them fantastic for international travel and spending.

Best International Travel Card
Best For Travel Portal Bookings
Best International Travel Business Card
View redemption options and calculate cash value

TD Rewards

TD offers four TD Rewards credit cards. Points earned with these cards can be redeemed for 0.5 cents each through Expedia for TD and 0.4 cents for other forms of travel.

If you enjoy booking travel through Expedia, the TD Rewards Program is the way to go if you want to maximize your rewards.

Best For No-Annual Fee
Best For Business Travel
View redemption options and calculate cash value

Calculate Travel Credit Card Rewards

Calculate which travel rewards credit cards will earn you the most rewards and best return based on your spend.

Results will consist of travel rewards credit cards and will be sorted by net return which is the average value of the rewards earned, plus annual credits, and minus annual fees.

Add Categories
Search for categories and click 'Add Category' to add it to the calculator. If you want to be more specific, you can specify domestic or international spend.
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Category Spend

Enter your spend per month, year, or quarter for the listed categories. You can then click Get The Best Cards to get the list of results.

Income Requirements

Some credit cards require certain income requirements to be met either based on your individual income or the income of the entire household. You can set a max income to limit which cards are listed in the result. Cards that require an income limit over the amount selected will not be included in the results.
Income Type
Income Maximum

Spend Duration

You can set the duration of the spend for the categories listed above. If you're looking for the best card for only n-months worth of spend, this is where you change the option.

If you want to calculate based on a full year of spending, you can leave it set to a duration of '1 Year'.

Adjust Transferable Points

Some rewards programs allow you to transfer your earned points to airline, hotel, and other loyalty programs. These programs will generally have higher point values when doing such.

Since these matter so much when choosing a credit card, you can enter your own point value for these programs to include in the calculations.

When set to zero (0), they will calculate based on The Point Calculator's valuations. Any non-zero value you enter will be used in the calculations.

You can click on the to learn more about the value of the currency when applicable (opens in a new tab/window). Depending on the calculations, all programs listed below may not be featured in the results.


Note: Results may take a few seconds to generate after doing a search. The results and values listed are estimates to help guide you towards making the best decision. They are for illustrative purposes only.
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