National Bank of Canada
National Bank World Elite® Mastercard®
- No current bonus
- Earn 5 points per $1 on the first $2,500 in monthly grocery and restaurant purchases (then 2X).
- Earn 2 points per $1 spent on gas and electric vehicle charging, recurring bill payments, and À la carte Travel purchases.
- Earn 1 point per $1 spent on all other purchases.
- Receive up to $150 in travel-fee refunds annually.
- Unlimited access to the National Bank VIP Lounge at the Montreal-Trudeau Airport
- Be protected with top-notch travel insurance, extended warranty, and purchase protection insurance.
- $150 annual fee.
National Bank World Mastercard®
- Earn up to 2X points on all purchases.
- Earn an additional 1.25 points for every $1 in eligible purchases made with the À la carte Travel™ Agency.
- Enjoy top-notch travel insurance and up to 2 additional years of extended warranty as well as purchase protection insurance of up to 180 days on eligible purchases.
- $115 annual fee.
National Bank Platinum Mastercard®
- Earn 2 points per $1 on the first $1,000 in grocery and restaurant purchases monthly (then 1.5X).
- Earn 1.5 points per $1 spent on gas and electric vehicle charging, À la carte Travel, and recurring bill payments.
- Earn 1 point per $1.50 spent on all other purchases.
- Enjoy top-notch travel insurance and up to 2 additional years of extended warranty as well as purchase protection insurance of up to 180 days on eligible purchases.
- $70 annual fee.
American Express Membership Rewards
The Platinum Card®
- Earn 3X points on dining and food delivery purchases in Canada.
- Earn 2X points on travel.
- Earn 1X points on all other purchases.
- Receive up to $200 CAD in Travel Credit annually.
- Receive up to $100 CAD NEXUS statement credit.
- Enjoy access to 1,300+ airport lounges around the world.
- Complimentary Hilton Honors Gold status and Marriott Bonvoy Gold Elite status
- $699 annual fee.
American Express® Gold Rewards Card
- Earn 2 points for every $1 spent on travel.
- Earn 2 points for every $1 spent on eligible gas, grocery and drugstore purchases in Canada.
- Earn 1 point for every $1 spent on everything else.
- Receive an annual $100 CAD Travel Credit
- Receive a $50 CAD NEXUS Statement Credit.
- Enjoy Priority Pass and Plaza Premium Lounge access.
- $250 annual fee.
American Express Cobalt™ Card
- Earn 5 points for every $1 spent on eligible restaurant and grocery stores in Canada, including food and grocery delivery.
- Earn 3 points for every $1 spent on streaming subscriptions with select providers in Canada.
- Earn 1 point for every $1 spent on all other purchases.
- Enjoy access to hotel benefits when booking through The Hotel Collection
- $12.99 per month.
American Express® Green Card
- Earn 1 point for every $1 on all card purchases.
- Be protected with shopping coverage.
- $0 annual fee.
Business Platinum Card® from American Express
- Earn 1.25 points for every $1 spent on all card purchases.
- Receive access to 1,300+ airport lounges around the world.
- Complimentary Marriott Bonvoy Gold Elite status
- Access to discounted base fares for you and your travel companions when you book through the International Airline Program
- $499 annual fee.
American Express® Business Gold Rewards Card
- Earn 1 point for every $1 in card purchases on everything.
- Receive 10,000 bonus Membership Rewards Points when you spend $20,000 in net purchases each calendar quarter (up to 40K points annually)
- Enjoy travel and shopping coverage.
- $199 annual fee.
American Express Business Edge™ Card
- Earn 3 points for every $1 spent on eligible office supplies & electronics, rides & gas, and eats & drinks.
- Earn 1 point for every $1 spent on all other purchases.
- Spend $3,000 or more in Card purchases each monthly billing period to earn a Monthly Spend Bonus, up to 12,000 bonus points a year.
- Be protected with car rental theft & damage insurance and shopping coverage.
- $99 annual fee.
AIR MILES
American Express® AIR MILES® Reserve Credit Card
- Earn 1 MILE for every $10 spent on grocery stores, gas stations, and drugstore purchases in Canada and with AIR MILES partners.
- Earn 1 MILE for every $15 spent on all other purchases.
- Bring a companion along for up to a maximum of 1,700 AIR MILES Rewards Miles once per year.
- Enroll and enjoy complimentary Priority Pass membership.
- Enjoy complimentary Onyx Status in the AIR MILES Rewards program.
- $299 annual fee.
American Express® AIR MILES® Platinum Credit Card
- Earn 1 MILE for every $5 spent food, drinks, gas and transit in Canada, on up to $30K annually.
- Earn 1 MILE for every $10 spent on all other card purchases.
- Receive a 25% point rebate when you use Dream Miles to book the first single flight or package vacation through airmiles.ca or vacations.airmiles.ca.
- $120 annual fee.
American Express® AIR MILES® Credit Card
- Earn 1 MILE for every $15 spent at AIR MILES Partners.
- Earn 1 MILE for every $20 spent everywhere else.
- $0 annual fee.
BMO® AIR MILES® World Elite® Mastercard®
- Earn 3 MILES for every $12 spent with AIR MILES partners.
- Earn 2 MILES for every $12 spent at eligible grocery stores.
- Earn 1 MILE for every $12 spent everywhere else.
- Every year, receive a 25% discount on one worldwide flight booking per year, up to a maximum of 750 Reward Miles.
- Earn bonus miles at participating National Car Rental and Alamo Rent-A-Car locations.
- $120 annual fee.
BMO® AIR MILES® Mastercard®
- Earn 3 MILES for every $25 spent with AIR MILES partners.
- Earn 2 MILES for every $25 spent at eligible grocery stores.
- Earn 1 MILE for every $25 spent on all other purchases.
- Earn bonus miles at participating National Car Rental and Alamo Rent-A-Car locations.
- $0 annual fee.
BMO Rewards
BMO eclipse Visa Infinite Privilege Card
- Earn 5 points for every $1 spent on groceries, dining in and out, drugstore, gas, and travel purchases, on up to $100,000 per year (then 1X).
- Earn 1 point for every $1 spent on all other purchases.
- Receive 25% more points on all purchases when you add an authorized user.
- Receive an automatic $200 statement credit annually.
- Enjoy Visa Infinite Privilege benefits.
- $499 annual fee.
BMO eclipse Visa Infinite Card
- Earn 5 points for every eligible $1 spent on groceries, dining in and out, gas, and transit purchases in Canada, on up to $50,000 per calendar year (then 1X).
- Earn 1 point for every $1 spent on all other purchases.
- Receive 10% more points on all purchases when you add an authorized user.
- Receive an automatic $50 statement credit annually.
- Enjoy Visa Infinite benefits.
- $120 annual fee.
BMO Ascend™ World Elite® Mastercard®
- Earn 5 points for every $1 spent on eligible travel purchases, on up to $15,000 per year (then 1X).
- Earn 3 points for every $1 spent on eligible entertainment, dining, and recurring bill payments, on up to $10,000 per year in each individual category (then 1X)
- Earn 1 point for every $1 spent on all other purchases.
- Receive Airport lounge access with Mastercard Travel Pass provided by DragonPass along with 4 free passes per year.
- $150 annual fee (waived the first year).
BMO Rewards® Mastercard®
- Earn 1 point for every $1 spent on the card.
- $0 annual fee.
Brim Rewards
Brim World Elite Mastercard
- Earn 2 points for every $1 spent, on up $25,000 annually (then 1X).
- Airport lounge access via LoungeKey.
- No Foreign Transaction Fee.
- Be protected with travel and shopping insurance.
- $199 annual fee.
Brim Mastercard
- Earn 1 point for every $1 spent on all purchases.
- No Foreign Transaction Fee.
- Be protected with shopping insurance.
- $0 annual fee.
Capital One Rewards
Aspire Travel™ Platinum Mastercard®
- Earn 1 mile for every $1 spent on the card.
- Enjoy travel and shopping coverage including car rental collision/loss damage and baggage delay.
- $0 annual fee.
CIBC Aventura Rewards
CIBC Aventura® Visa Infinite Privilege Card
- Earn 3 points for every $1 spent on travel purchases through the CIBC Rewards Centre
- Earn 2 points for every $1 spent on eligible dining, entertainment, transportation, gas and groceries (capped at $200,000 per year, then 1.25X).
- Earn 1.25 points for every $1 spent on all other purchases.
- Receive $200 in travel credit annually.
- Up to 2 NEXUS statement credits of up to $50 CAD each regardless of application approval.
- Complimentary Priority Pass membership including 6 complimentary airport lounge visits per year.
- Access to the Aventura Airline Rewards Chart to book business class tickets.
- $499 annual fee.
CIBC Aventura® Visa Infinite Card
- Earn 2 points for every $1 spent on travel purchases through the CIBC Rewards Centre.
- Earn 1.5 points for every $1 spent at eligible gas station, grocery stores, and drug stores (capped at $80,000 per year, then 1X).
- Earn 1 point for every $1 spent on all other purchases.
- Enjoy a NEXUS statement credit of up to $50 CAD regardless of application approval.
- Receive complimentary Priority Pass membership along with 4 complimentary airport lounge visits per year.
- $139 annual fee.
CIBC Aventura® Gold Visa Card
- Earn 2 points for every $1 spent on travel purchased through the CIBC Rewards Centre.
- Earn 1.5 points for every $1 spent at eligible gas stations, grocery stores and drug stores.
- Earn 1 point for every $1 spent on all other purchases.
- Receive a NEXUS statement credit of up to $50 CAD regardless of application approval.
- Receive complimentary Priority Pass membership along with 4 complimentary airport lounge visits per year.
- $139 annual fee.
CIBC Aventura® Visa Card
- Earn 1 point for every $1 spent on travel purchased through the CIBC Rewards Centre and at eligible gas stations, grocery stores and drug stores.
- Earn 1 point for every $2 spent on all other purchases.
- $0 annual fee.
CIBC U.S. Dollar Aventura® Gold Visa Card
- Earn 1 point for every $1 spent on travel purchases through the CIBC Rewards Centre
- Earn 1 point for every $2 spent on all other card purchases.
- Take advantage of online and in-store deals at your favorite U.S. retailers — with no currency conversion fees when shopping in U.S. dollars.
- US$35 annual fee.
CWB Rewards
CWB World Elite® Mastercard®
- Earn 2 points for every $1 spent, on up $25,000 annually (then 1X).
- Enjoy Brim Financial benefits including access to Brim Rewards
- Airport lounge access via LoungeKey.
- Be protected with travel and shopping insurance.
- $120 annual fee.
CWB Rewards Mastercard®
- Earn 1 point for every $1 spent on all purchases
- Brim Financial benefits including access to Brim Rewards
- Shopping insurance
- $0 annual fee.
HSBC CA Rewards
HSBC Metal World Elite® Mastercard®
- Earn 3% in travel rewards on all eligible travel purchases.
- Earn 2% in travel rewards on all eligible gas, grocery, and drugstore purchases.
- Earn 1% in travel rewards on all other eligible purchases.
- Receive a $200 annual travel enhancement credit.
- Complimentary membership to Travel Pass provided by DragonPass.
- Pay no additional foreign transaction fees — only the exchange rate will apply.
- $499 annual fee; HSBC Private clients receive a full annual fee rebate.
HSBC World Elite® Mastercard®
- Earn 3% in travel rewards on all eligible travel purchases.
- Earn 2% in travel rewards on all eligible gas, grocery, and drugstore purchases.
- Earn 1% in travel rewards on all other eligible purchases.
- Receive a $100 annual travel enhancement credit.
- Complimentary membership to Travel Pass provided by DragonPass.
- Extensive insurance coverage.
- $149 annual fee.
HSBC +Rewards™ Mastercard®
- Earn 2 points for every $1 on eligible dining or entertainment purchases.
- Earn 1 point for every $1 on all other everyday purchases.
- Receive the lowest interest rate on purchases, cash advances, and balance transfers.
- Be protected with insurance coverage and price protection service.
- $25 annual fee.
HSBC Travel Rewards Mastercard
- Earn 1.5% in travel rewards on all eligible travel purchases.
- Earn 1% in travel rewards on all eligible gas and daily transportation purchases.
- Earn 0.5% in travel rewards on all other eligible everyday purchases.
- Be protected with travel and purchase insurance.
- $0 annual fee.
Laurentian Rewards
Laurentian Bank Visa Infinite Card
- Earn 2 points for every $1 spent on pre-authorized debits, grocery, gas, travel, and transportation.
- Earn 1 point for every $1 spent on everything else.
- Enjoy Visa infinite benefits.
- Be protected with travel and shopping coverage.
- $130 annual fee.
MBNA Rewards
MBNA Rewards World Elite® Mastercard®
- Earn 5 points for every $1 spent on eligible restaurant, grocery, digital media, membership, and household utility purchases, on up to $50,000 in annual spend for each category (then 1X).
- Earn 1 point for every $1 spent on all other card purchases.
- Receive an annual 10% birthday bonus
- Enjoy travel and shopping insurance.
- $120 annual fee.
MBNA Rewards Platinum Plus® Mastercard®
- Earn 2 points for every $1 spent on restaurant, grocery, digital media, membership, and household utility purchases, on up to $10,000 in annual spend for each individual category.
- Earn 1 point for every $1 spent on all other purchases.
- Receive an annual 10% birthday bonus
- $0 annual fee.
RBC Avion Rewards
RBC Avion Visa Infinite Privilege
- Earn 1.25 Avion Elite points for every $1 spent on all purchases.
- Receive access to the RBC Air Travel Redemption Schedule which offers high value towards airfare.
- Access to all RBC transfer partners.
- Airport lounge access.
- Extensive insurance coverage.
- $399 annual fee.
RBC Avion Visa Infinite
- Earn 1.25 Avion Elite points for every eligible $1 spent on travel related purchases
- Earn 1 Avion Elite point for every $1 you spend on all other purchases.
- Receive access to the RBC Air Travel Redemption Schedule which offers high value towards airfare.
- Access to all RBC transfer partners.
- Airport lounge access.
- Travel and shopping coverage.
- $120 annual fee
RBC Avion Visa Platinum
- Earn 1 Avion Elite point for every $1 you spend on the card.
- Receive access to the RBC Air Travel Redemption Schedule which offers high value towards airfare
- Access to all RBC transfer partners.
- Airport lounge access.
- Travel and shopping coverage.
- $120 annual fee.
RBC ION+ Visa
- Earn 3 Avion Premium points for every $1 spent on grocery, dining, food delivery, rides, gas, EV charging, streaming, digital gaming, and subscriptions.
- Earn 1 Avion Premium point for every $1 spent on everything else.
- Enjoy mobile device insurance, purchase security and extended warranty insurance.
- $4 per month fee ($48 annually).
RBC ION Visa
- Earn 1.5 Avion Premium points for every $1 spent on grocery, rides, gas, EV charging, streaming, digital gaming, and subscriptions.
- Earn 1 Avion Premium point for every $1 spent on all other purchases.
- Enjoy purchase security and extended warranty insurance.
- $0 annual fee.
RBC Avion Visa Infinite Business
- Earn 1.25 Avion Elite points for every $1 spent on the card, on up to $75,000 per year (then 1X).
- Receive access to the RBC Air Travel Redemption Schedule which offers high value towards airfare
- Access to all RBC transfer partners.
- Airport lounge access.
- Travel and shopping coverage.
- $175 annual fee.
RBC® Visa Business Platinum Avion
- Earn 1 Avion Elite point for every $1 spent on the card.
- Receive reduced annual fee for RBC Avion Visa Platinum or RBC Avion Visa Infinite cardholders
- Access to the RBC Air Travel Redemption Schedule which offers high value towards airfare
- Access to all RBC transfer partners.
- Airport lounge access.
- Travel and shopping coverage.
- $120 annual fee.
RBC Visa CreditLine for Small Business
- Earn 1 Avion Premium point for every $2 spent on your card.
- Be protected with shopping coverage.
- $0 annual fee.
Scotia Scene+ Rewards
Scotiabank Gold American Express® Card
- Earn 6 Scene+ points on every $1 spent at participating grocers.
- Earn 5 Scene+ points on every $1 spent in Canada on dining, food delivery, entertainment, and at other eligible grocery stores.
- Earn 3 Scene+ points on every $1 spent in Canada on gas, daily transit options, and select streaming services.
- Earn 1 Scene+ point on every $1 spent on all other eligible purchases.
- Enjoy a discount for Priorty Pass membership
- No foreign transaction fees on international purchases
- Travel insurance.
- $120 annual fee.
Scotiabank Platinum American Express® Card
- Earn an unlimited 2 Scene+ points for every $1 spent on all purchases.
- Enjoy complimentary lounge access with Priority Pass and Plaza Premium lounges.
- No foreign transaction fees on international purchases.
- Complimentary Hertz #1 Club Gold Membership.
- Travel insurance.
- $399 annual fee.
Scotiabank Passport™ Visa Infinite Card
- Earn 3 Scene+ points on every $1 spent at participating grocers.
- Earn 2 Scene+ points for every $1 spent on dining, entertainment purchases, daily transit options, and at other eligible grocery stores.
- Earn 1 Scene+ point for every $1 spent on all other purchases.
- Enjoy complimentary Priority Pass membership along with 6 free visits per year.
- No foreign transaction fees on international purchases.
- Complimentary Avis Preferred Plus membership.
- Travel and shopping insurance.
- $150 annual fee.
Scotiabank American Express® Card
- Earn 3 Scene+ points on every $1 spent at participating grocers.
- Earn 2 Scene+ points for every $1 spent at restaurants, fast food, drinking establishments, and other eligible grocery stores.
- Earn 2 Scene+ points for every $1 spent on eligible entertainment, gas, and daily transit.
- Earn 1 Scene+ point for every $1 spent on all other purchases.
- Enjoy cell phone protection, purchase security and extended warranty protection.
- $0 annual fee.
Scotiabank® Scene+™ Visa* Card
- Earn 2 Scene+ points on every $1 you spend at participating grocers and with Cineplex.
- Earn 1 Scene+ point on every $1 spent on all other purchases.
- $0 annual fee.
Scotiabank Passport™ Visa Infinite Business Card
- Earn an unlimited 1.5X Scene+ points on all purchases.
- Enjoy complimentary Priority Pass membership along with 6 free visits per year.
- No foreign transaction fee on foreign purchases.
- Complimentary Avis Preferred Plus membership.
- Travel and shopping insurance.
- $199 annual fee.
TD Rewards
TD First Class Travel® Visa Infinite Card
- Earn 8 TD Rewards points for every $1 spent booking travel online through ExpediaForTD.com or booking ExpediaForTD over the phone.
- Earn 6 TD Rewards points for every $1 spent on groceries and restaurants.
- Earn 4 TD Rewards points for every $1 spent on regularly recurring bill payments set up on your account.
- Earn 2 TD Rewards points for every $1 spent everywhere else.
- Receive one $100 TD Travel Credit on your first eligible travel credit purchase of $500+ made with ExpediaForTD per year.
- Receive up to 10,000 TD Rewards points based on 10% of the total points you earned over the 12 months preceding your birthday.
- Travel and shopping coverage.
- $139 annual fee.
TD Platinum Travel Visa Card
- Earn 6 TD Rewards points for every $1 spent booking travel online through ExpediaForTD.com and when booking ExpediaForTD over the phone.
- Earn 4.5 TD Rewards points for every $1 spent on groceries and at restaurants.
- Earn 3 TD Rewards points for every $1 spent on regularly recurring bill payments set up on your account.
- Earn 1.5 TD Rewards points for every $1 spent everywhere else.
- Travel and shopping coverage.
- $89 annual fee.
TD Rewards Visa Card
- Earn 4 TD Rewards points for every $1 spent booking travel online through ExpediaForTD.com and when booking ExpediaForTD over the phone.
- Earn 3 TD Rewards points for every $1 spent on grocery and restaurant purchases.
- Earn 2 TD Rewards points for every $1 spent on recurring bill payments set up on the account.
- Earn 1 TD Rewards point for every $1 spent on all purchases.
- Shopping coverage.
- $0 annual fee.
TD Business Travel Visa Card
- Earn up to 9 TD Rewards points for every $1 spent booking travel through ExpediaForTD.com.
- Earn 6 TD Rewards points for every $1 spent on restaurant purchases, recurring bill payments, and foreign currency purchases.
- Earn 2 TD Rewards points for every $1 spent everywhere else.
- Travel and shopping coverage.
- $149 annual fee.
Travel Credit Card Rewards Calculator
Input your monthly and yearly spend amounts into our Travel credit card rewards points calculator to find out which cards earn you the most rewards and best return on your spending.
Find out which credit cards will offer you the most value based on the spend amounts you entered
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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.