Best Travel Credit Cards Canada

Top Picks + Rewards Calculator
Check out our top picks for the best travel rewards credit cards in Canada and calculate which cards will earn you the most rewards based on spend.
Last Updated 2022-10-23 By R.Flowers III

Travel is a very broad category that covers many subcategories such as airfare, hotels, car rentals, transit, and much more. The best travel credit card should not only offer you the highest return on your spend, but also benefits and perks that fit the way you travel.

Review our top Canada credit card picks for travel and calculate which cards earn you the most rewards based on the spend amounts you enter into our tool.

American Express Cobalt™ Card

Best For Flexible Travel Rewards
American Express Cobalt™ Card
  • Earning Rate: Earn 5X Membership Rewards points on restaurant and grocery purchases in Canada, 3X on streaming subscriptions, 2X on gas and transit in Canada and on travel, and 1X on everything else.
  • Main Highlights: High earning rates combined with the ability to transfer points to 8 partners including Air Canada, Delta Airlines, British Airways, and Marriott Bonvoy.
  • Intro Bonus: In your first year as a new Cobalt Cardmember, you can earn 2,500 Membership Rewards® points for each monthly billing period in which you spend $500 in purchases on your Card. This could add up to 30,000 points in a year.
  • Annual Fee: $12.99 per month ($155.88 annually)
  • Summary:

The Platinum Card®

Best For Luxury Travel & Global Lounge Access
The Platinum Card
  • Earning Rate: Earn 3X points on dining and food delivery purchases in Canada, 2X on travel, and 1X on everything else.
  • Annual Credits: $200 CAD travel credit for American Express Travel Online or Platinum Card Services
  • Main Highlights: $100 NEXUS application credit, global lounge access (Centurion lounges, Plaza Premium lounges, Delta Sky Club, Airspace lounges, Escape lounges, Priority Pass lounges, and Executive Lounges by Swissport), Fine Hotels + Resorts, complimentary elite status with Hilton, Marriott, and Radisson, special benefits at Toronto Pearson Int'l Airport, and top-notch travel insurance.
  • Intro Bonus: As a new Platinum® Cardmember, earn 60,000 Membership Rewards points after you charge $6,000 in net purchases to your Card in your first 3 months of Cardmembership.
  • Annual Fee: $699
  • Summary: The Platinum Card has a high annual fee, but it's easily offset by the numerous amount of benefits it offers. Combine that with the fact that points earned with the card are extremely valuable and you have yourself one of the best travel credit cards in Canada.

National Bank World Elite® Mastercard®

Best Travel Rewards Mastercard
  • Earning Rate: Earn 5X points on the first $2,500 in monthly grocery and restaurant purchases (then 2X), 2X points on gas, electric vehicle charging, recurring bill payments, and Ă€ la carte Travel purchases, and 1X on all other purchases.
  • Annual Credits: $150 in travel-fee refunds
  • Main Highlights: National Bank VIP Lounge access (Montreal-Trudeau) and top-notch travel insurance.
  • Intro Bonus: Earn up to 70,000 points. Earn 30,000 points when you spend $5,000 or more in the card within three months of opening, 10,000 points when you sign up for the Mastercard credit card payment insurance for a period of 3 months, and 30,000 points on the first anniversary if you spend $12,000 or more within the first 12 months of opening the account.
  • Annual Fee: $0 the first year, then $150
  • Summary: The NBC Mastercard offers a high return across several categories. You can redeem those points for 1 cent apiece towards travel booked through their portal. The card features great travel coverage including trip cancellation and trip interruption insurance.

Tangerine World Mastercard®

Best No Annual Fee Cash Back Card For Travel
  • Earning Rate: Earn 2% Money-Back on up to two select categories of your choice and 0.5% on all other purchases. Choose a 3rd 2% Money-Back category if you deposit rewards into a Tangerine Savings account.
  • Main Highlights: Airport lounge access, car rental collision/loss damage insurance, mobile device insurance, discounts, unlimited 2% Money-Back, and rewards paid out monthly.
  • Intro Bonus: Apply for a Tangerine World Mastercard by January 31, 2023 and earn an extra 15% back* on up to $1,000 in everyday purchases made within your first 2 months.
  • Annual Fee: $0.
  • Summary: If you prefer to earn cash back over points and miles, but still want access to great travel benefits, the Tangerine World Mastercard is a fantastic option. It earns an unlimited 2% Money-Back, offers a handful of travel benefits, and has no annual fee.

Scotiabank Gold American Express® Card

Best For No Foreign Transaction Fee
Scotiabank Gold American Express® Card
  • Earning Rate: Earn 6X Scene+ points at participating grocers, 5X in Canada on dining, food delivery, entertainment, and other eligible grocery stores, 3X in Canada on gas, daily transit, and select streaming services, and 1X on everything else.
  • Main Highlights: Airport Lounge access via Priority Pass, No Foreign Transaction Fees on international purchases, and top-notch travel insurance.
  • Annual Fee: $120
  • Summary: If you plan on traveling outside of Canada and you want to be able to earn rewards without being penalized, the Scotiabank Gold AMEX Card is the best option. You'll also be able to enjoy high earning rates spending in Canada and travel benefits.

National Bank Platinum Mastercard®

Best Low-Annual Fee Card For Travel Insurance
  • Earning Rate: Earn 2 points per $1 on the first $1,000 in grocery and restaurant purchases monthly (then 1.5X), 1.5X on gas, electric vehicle charging, Ă€ la carte Travel, and recurring bill payments, and 1X/$1.50 on all other purchases.
  • Main Highlights: Travel insurance.
  • Intro Bonus: Earn up to 35,000 points. Earn 15,000 points when you spend $3,000 or more in the card within three months of opening, 10,000 points when you sign up for the Mastercard credit card payment insurance for a period of 3 months, and 10,000 points on the first anniversary if you spend $6,000 or more within the first 12 months of opening the account.
  • Annual Fee: $0 the first year, then $89.
  • Summary: This is one of the best low-annual fee credit cards for travel insurance. It offers out-of-province medical insurance, trip cancellation/interruption insurance, and other coverage you would normally only find on Mastercard World Elite, Visa Infinite, and high-end AMEX credit cards. It also has no minimum income requirement and earns a solid return on spending.

American Express® Green Card

Best For Travel Rewards At No Annual Fee
American Express® Green Card
  • Earning Rate: Earn 1X Membership Rewards points on all purchases and an additional 1 point per $1 on hotels and car rentals through AMEX Travel Online.
  • Main Highlights: Shopping coverage.
  • Intro Bonus: As a new American Express® Green Cardmember, you can earn a Welcome Bonus of 10,000 Membership Rewards® points when you charge $1,000 in purchases to your Card in the first 3 months of Cardmembership.
  • Annual Fee: $0
  • Summary: The AMEX Green only earns 1 point per $1 spent on all purchases, but don't let that fool you. These points can be redeemed for high value towards travel through AMEX Travel Online and be transferred to a handful of airline and hotel partners for a shot at even more value.

MBNA Rewards Platinum Plus® Mastercard®

Best Travel Rewards Mastercard At No Annual Fee
MBNA Rewards Platinum Plus® Mastercard®
  • Earning Rate: Earn 2X MBNA Rewards points on restaurant, grocery, digital media, membership, and household utility purchases, on up to $10,000 in annual spend for each individual category. 1X on everything else.
  • Main Highlights: Earn up a 10% birthday bonus, up to 10K points per year
  • Annual Fee: $0
  • Summary: This card earns a solid return across several popular everyday categories. The annual bonus points you'll receive pushes it slightly beyond other cards of it's class. You'll also be able to enjoy mobile device insurance and shopping coverage.

American Express® Aeroplan® Reserve Card

Best For Air Canada Benefits
American Express® Aeroplan® Reserve Card
  • Earning Rate: Earn 3X points on eligible Air Canada and Air Canada Vacations purchases, 2X on eligible dining and food delivery purchases in Canada, and 1.25X on everything else.
  • Main Highlights: Annual worldwide companion pass, free checked bags (up to 8 people), airport lounge access, priority benefits, and ability to earn SQMs and SQSs towards elite status via spend.
  • Annual Fee: $599
  • Summary: The AMEX Aeroplan Reserve Card has a hefty annual fee, but offers a ton of benefits that can easily offset the price if you frequently fly Air Canada. If you can spend $25K on the card to earn the annual companion pass, you should be able to get exceptional value out of the card.

WestJet RBC World Elite Mastercard

Best For WestJet Benefits
WestJet RBC World Elite Mastercard
  • Earning Rate: Earn 2% back in WestJet dollars on WestJet flights or WestJet Vacations packages and 1.5% back on all other purchases.
  • Main Highlights: Annual companion voucher and free checked bag (up to 8 people).
  • Intro Bonus: Earn up to 450 WestJet dollars. Receive 250 welcome WestJet Dollars upon approval and an additional 200 WestJet Dollars when you spend $5,000 or more on the card within the first 3 months of your account open date.
  • Annual Fee: $119
  • Summary: This best benefit of this card is the annual companion voucher which allows a person to travel with you on a round-trip flight for $119 CAD in Canada and the continental US and $399 CAD for the rest of the WestJet network. On top of that, the free checked bags will also add up if you and those traveling with you normally have to pay for them.

Marriott Bonvoy™ American Express® Card

Best For Marriott Travelers
Marriott Bonvoy™ American Express® Card
  • Earning Rate: Earn 5X points on eligible purchases at hotels participating in Marriott Bonvoy and 2X points on all other purchases.
  • Main Highlights: Free annual night award worth 35K points, complimentary status, and 15 elite night credits towards achieving higher status.
  • Intro Bonus: New Marriott Bonvoy® American Express®* Cardmembers, earn 50,000 Welcome Bonus points after you charge $1,500 in net purchases to your Card in your first three months of Cardmembership.
  • Annual Fee: $120
  • Summary: The Marriott Bonvoy card is a great option if you stay at Marriott brand hotels. The card has lots of potential if you know how to get the most out of Marriott Bonvoy points. The free night award alone can make the card worth picking up since you can combine it with points in your account.

CIBC Aventura® Visa Infinite Privilege Card

Best Visa Infinite Privilege Card For Airfare
CIBC Aventura® Visa Infinite Privilege Card
  • Earning Rate: Earn 3X points on travel purchases through the CIBC Rewards Centre, 2X on eligible dining, entertainment, transportation, gas and groceries, and 1.25X on everything else.
  • Annual Credits: $200 Aventura Travel credit
  • Main Highlights: Two $50 CAD NEXUS application rebates, Priority Pass membership with 6 free lounge visits per year, and the ability to redeem points for Business Class tickets via the Aventura Airline Rewards Chart.
  • Annual Fee: $499
  • Summary: If you're a heavy spender and can jump the income requirement hurdle, this card will offer everything you need and more when it comes to airfare.

Best Credit Cards For Travel Summary

Credit Card Annual Fee Best For
American Express Cobalt™ Card $12.99 per month Flexible Travel Rewards
The Platinum Card® $699 Luxury Travel & Global Lounge Access
National Bank World Elite® Mastercard® $0 the first year, then $150 Travel Rewards (Mastercard)
Tangerine World Mastercard® $0 No Annual Fee + Cash Back
Scotiabank Gold American Express® Card $120 No Foreign Transaction Fee
National Bank Platinum Mastercard® $0 the first year, then $89 Travel Insurance at Low Annual Fee
American Express® Green Card $0 Flexible Travel Rewards At No Annual Fee
MBNA Rewards Platinum Plus® Mastercard® $0 Travel Rewards At No Annual Fee (Mastercard)
American Express® Aeroplan® Reserve Card $599 Air Canada Benefits
WestJet RBC World Elite Mastercard $119 WestJet Benefits
Marriott Bonvoy™ American Express® Card $120 Marriott Travelers
CIBC Aventura® Visa Infinite Privilege Card $499 Visa Infinite Privilege Benefits

Travel Credit Card Rewards Calculator

Input your monthly and yearly spend amounts to find out how which travel rewards credit cards will earn you the most rewards and best return on your spending.

Loading Calculator...
If the calculator doesn't load after a few seconds, click here to re-load calculator.
Category Spending
Resets all fields in the Category Spending section for all columns. Also clears all saved spend values that carry from calculator to calculator.
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.
Type at least 3 characters.
Currently Selected:
Spend Region:
Income Requirement
Income Type
Select if you're looking for credit cards based on your own individual income or if you're looking for credit cards based on the income of the entire household.
Income Maximum
Select the maximum income requirement you want listed in your top picks.
Calculator Options

Find out which credit cards will offer you the most value based on the spend amounts you entered

No Results. This is usually due to:

  • There's no good card options based on the spend entered.
  • The calculator is having a brain-fart and is not calculating rewards properly.

Enter different values or try again later.

Results

These estimates are to help guide you towards making the best decision when it comes to picking up a rewards credit card. They should be used for illustrative purposes only. You can click on the estimated earnings to see the calculations or click on the card to learn more.

Do note that all spend amounts entered into the tool above will carry over to every credit card rewards calculator on the site, so there's no need to re-enter spend if you choose to dive deeper into calculating rewards for credit cards on the site.

Calculate Total Rewards & Card Value Per $1 Spent For 100+ Canada Credit Cards
Search Results Display Here