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Best Travel Reward Credit Cards in Canada

Best Travel Reward Credit Cards in Canada

For us to determine the best travel rewards credit cards for this year, we need to take a look at what happened in the previous year. The credit card market in Canada witnessed some significant changes last year. Banks and other institutions stopped issuing some of the more sought-after cards, they made changes to rewards programs, and one new card, hailed as a game-changer, entered the market. Most people like the idea of globetrotting at a discount, and so Canadians continue to seek the best travel rewards credit cards. With so many different programs and cards, however, it’s a challenge trying to work out which is the most suitable one for you. To make your search easier, we’re pointing out Canada’s best travel rewards credit cards. How far do you want to go this year with your Canadian travel rewards credit card? We’ve forecast what we believe will be the best travel rewards credit cards to help you soar, whether you’re a snowbird, a bargain hunter, a bonus surfer, or a frequent flyer.

Best Travel Rewards Credit Cards – Our Top  Picks

55 Results Updated: October 10, 2019

5.00%

Interest Rate

 

$20.00

Annual Fee

 

-

Balance Transfer

 

Minimum Income

Min Credit Score: 720

More Details


Features

  • Online management reports to help you track and analyze your expenses
  • An online account management service to manage your Visa Desjardins Corporate account on your own
  • Corporate Insurance Program at no extra cost including complete travel insurance coverage. Find out more about insurance
  • ZERO liability in the event of unauthorized use of your card
  • Liability insurance up to $100,000 in the event of fraudulent card use
  • Better security through chip technology
  • PayWave contactless payment technology
  • Optional Business Cheques Service
  • Visa Consumer Authentication Service for your online purchases
  • Visa Account Updater for your recurring transactions
  • Desjardins Travel Assistance - For worry-free travel
  • Desjardins Business Assistance - Find out about your business destinations

Advantages

  • Better control over business expenses
  • Integration of data to main accounting and resource planning systems
  • Lower costs associated with employee travel
  • Consolidation of information about business expenses
  • Increased bargaining power with suppliers
  • Simpler and more accurate business expense accounting

Card details

Network: Visa
Provider: Desjardins Credit Cards
Card type: Business, Cashback, Travel Rewards

9.90%

Interest Rate

 

$

Annual Fee

 

-

Balance Transfer

 

$200,000

Minimum Income

Min Credit Score: 640

More Details

Other features

  • Visa payWave contactless technology
  • Verified by Visa
  • Mobile payment solutions
  • Balance transfers

Options

  • Automatic payment of your card balance at no charge with our Authorized Payment Service
  • Online monthly account statements at no charge.

Card details

Network: Visa
Provider: Desjardins Credit Cards
Card type: Cashback, Low Interest, Travel Rewards

19.90%

Interest Rate

 

$110.00

Annual Fee

 

-

Balance Transfer

 

Minimum Income

Min Credit Score: 640

More Details

More benefits

  • Purchase Protection and Extended Warranty
  • Manage your account
  • Accord D financing
  • Mobile payment
  • Cash advances
  • Visa Checkout
  • Zero Liability in the event of fraud
  • Balance transfers

Options

  • Overdraft transfer to cover a cheque, bill payment, or any other transaction that exceeds the balance in your Personal Chequing Account (PCA) or any other eligible account
  • Credit Balance Insurance for a minimal fee
  • Automatic payment of your card balance at no charge with our Authorized Payment Service
  • Online monthly account statements at no charge

Even more

  • Better security through chip technology
  • 21-day grace period to pay your bill without incurring credit charges
  • No transaction fees
  • Visa payWave contactless technology
  • Verified by Visa

Card details

Network: Visa
Provider: Desjardins Credit Cards
Card type: Cashback, Travel Rewards

10.90%

Interest Rate

 

$50.00

Annual Fee

 

-

Balance Transfer

 

Minimum Income

Min Credit Score: 640

More Details

Additional card features

  • Accord D financing
  • Zero Liability in the event of fraud
  • Additional card for a family member for only $10
  • Mobile payments so you can tap and pay with your smartphone
  • Make paying online a breeze with Visa Checkout
  • Cash advances up to $5,000 a day
  • Simple account management
  • Purchase Protection and Extended Warranty
  • Transfer your balances to your Desjardins credit card

Options

  • Overdraft transfer to cover a cheque, bill payment, or any other transaction that exceeds the balance in your Personal Chequing Account (PCA) or any other eligible account
  • Online monthly account statements at no charge
  • Automatic payment of your card balance at no charge with our Authorized Payment Service
  • Credit Balance Insurance for a minimal fee

Other card features

  • Better security through chip technology
  • 21-day grace period to pay your bill without incurring credit charges
  • No transaction fees
  • Visa payWave contactless technology
  • Enhanced online shopping protection

Card details

Network: Visa
Provider: Desjardins Credit Cards
Card type: Cashback, Low Interest, Travel Rewards

19.90%

Interest Rate

 

$30.00

Annual Fee

 

-

Balance Transfer

 

Minimum Income

Min Credit Score: 720

More Details

Additional card features


Accord D financing
Quick and flexible financing for projects that are important to you.


Cash advances
Up to $5,000 a day, anywhere in the world.


Zero Liability in the event of fraud
Against fraudulent transactions made to your card.


Hertz discount
Up to 15% at participating Hertz locations worldwide.


Additional card at no annual fee
You can get an additional card for your spouse or other family member for free.


Manage your account
On your computer, your smartphone or tablet


Mobile payments
Tap and pay with your smartphone. It's easy, free and secure.


Visa Checkout
Make paying online a breeze with Visa Checkout.


Balance transfers
Transfer the outstanding balances of your credit cards from other financial institutions to your Desjardins credit card account.


Other features

  • Better security through chip technology
  • 21-day grace period to pay your bill without incurring credit charges
  • No transaction fees
  • Visa payWave contactless technology
  • Verified by Visa

 

Options

  • Overdraft transfer to cover a cheque, bill payment, or any other transaction that exceeds the balance in your Personal Chequing Account (PCA) or any other eligible account
  • Online monthly account statements at no charge
  • Automatic payment of your card balance at no charge with our Authorized Payment Service
  • Credit Balance Insurance for a minimal fee

Card details

Network: Visa
Provider: Desjardins Credit Cards
Card type: Cashback, Travel Rewards

Here’s the synopsis of the highest rated travel rewards credit cards in Canada (complete credit card reviews are below). For more categories besides travel, please see our Best Credit Cards in Canada page.

CardSignup BonusRewards
Scotiabank Gold American Express25000 points4% cash back
Scotiabank American Express CardNo1 Point Per $1
The American Express® Gold Rewards Card25000 points2 Points Per $1
TD® Aeroplan® Visa Infinite Card30000 miles1.5 Point Per $1

Scotiabank Gold American Express

The Scotiabank Gold American Express again ranks as one of the best travel rewards credit cards in Canada due to benefits such as a 4% earn on groceries, gas, entertainment, and restaurants. If you spend $1,000 on everyday purchases during the first three months, you get a 25,000 bonus valued at $250. You can use this bonus towards any travel (hotels, flights, cruises, car rentals, or vacation packages), in addition to merchandise and gift cards from vendors such as Best Buy and Apple. You can opt to use Scotia Rewards’ full-service travel agency when booking your flights and hotel, or use your card to cover your expenses and redeem your points afterward. You can book anywhere, anytime, and use points to pay for all fees and taxes – there are no limits when using your points towards travel. Scotiabank Gold American Express offers numerous other benefits including concierge service, comprehensive travel insurance, price protection, Priority Pass membership (renewed yearly), and much more.

Scotiabank American Express Card

The Scotiabank American Express Card does not have annual fees for extras or privileges. It works as both a standalone or as a secondary card for current Scotia Rewards collectors. You receive one Scotia Rewards point for each dollar you spend on the card, valid for travel (hotels, flights, car rentals, cruises, and vacation packages), gift cards, merchandise (including Best Buy and Apple catalogues), or as a credit towards your monthly payment. The insurance coverage is robust for a no-fee card. You get travel accident and travel interruption insurance (if you use your card to pay for at least 75 percent of the cost of your trip). You also get travel emergency medical (with a coverage ceiling of $1 million for a maximum of eight successive days of travel), and collision/loss damage for car rentals (up to forty-eight consecutive days of coverage for vehicles that cost less than $65,000).

Starwood Preferred Guest Credit Card from American Express

These cards are still an excellent choice, in spite of the fact that Rewards Canada dropped the hotel category from the rankings because only two cards are currently available. In fact, the Starwood Preferred Guest Credit Card from American Express is pretty impressive. It offers excellent value for hotel stays within the Marriott and Starwood brands and lets you convert to more than thirty airline frequent flyer programs.

The American Express® Gold Rewards Card

This card is perhaps one of the best travel credit cards you can ever find. There’s a big sign-up bonus. Yes, you can get 25,000 points to jump start your mileage account if you meet the minimum spending threshold of $1,500 in the first three months. This is wonderful as you can get an instant balance of 25,000 points by doing very little work. The American Express Gold Rewards card is also great card when it comes to flexibility. You can easily make any travel related plans with the help of your credit card. It is simple to earn 2 points for every $1 spent on eligible travel and everyday purchases. That’s right. You don’t just get 1 point, rather 2 points for every dollar spent on grocery, gas and other car rentals, cruises, rail, and air-related travel expenses. The AMEX Credit Card points you earn can be transferred to:

  • Frequent flyer program
  • Aeroplan (1:1 with no additional charges)
  • British Airways Avios (1:1 with no additional charges)

Here’s some friendly advice – you can pair this travel credit card with TD Aeroplan Visa Infinite card mentioned below and enjoy 50,000 bonus points to jumpstart your travel plans. What’s even better is that you don’t have to pay any annual fee. Most AMEX Gold rewards credit card users say that it is way better than Visa Infinite AVION card by RBC for a number of reasons. First, AMEX waives your annual fee for the first year. Second, it offers an exciting sign-up bonus. Third, you can earn double points on travel spending. Lastly, but most importantly, AMEX gold card allows you to redeem Travel expenses at full value, unlike RBC which gives you half a penny per point. Remember that AMEX Gold Rewards card allows you to take advantage of promotions in both the Aeroplan and Avios programs without losing any value.

TD® Aeroplan® Visa Infinite Card

If you’re looking to start your Aeroplan mile bank, there’s nothing better than this credit card. With this Visa, you receive a welcome bonus of up to 30,000 miles and there’s no annual fee for the first year. The good news is that you can earn 15,000 points with your first purchase and if you keep your account in good standing for at least three months, you are eligible to receive an additional 10,000 points. If you are able to collect 25,000 Points, you will be able to fly to any location in North America from Canada. Here’s some more exciting news. If you are able to collect 15,000 points, you can easily fly to any short-haul location in the North America. TD Credit Cards Aeroplan mile offers a strong rewards rate even for economy fares. When it comes to other credit card details, you can earn 1.5 points for every $1 spent on gas, grocery & drug stores. If you use your cards at Aeroplan partner locations, you can further boost your collection of travel points. In addition to great travel rewards, this credit card offers other perks such as:

  • Insurance protection
  • Medical insurance
  • Trip cancellation and interruption
  • Car rental
  • Baggage protection
  • Free lounge access
  • Priority check-ins and boarding
  • One free checked bag

The TD Aeroplan Visa Infinite card is certainly a smarter choice than West Jet World Elite MasterCard according to card users. Customers prefer to use Aeroplan card because it offers an amazing welcome bonus. Second, you can redeem your accumulated points to travel to more destinations. Not to forget, there are dozens of more opportunities to earn points with Aeroplan and you can use the points to upgrade your travel ticket to business and first class.

Why Should I Consider Travel Credit Cards?

It’s not surprising that credit cards have become an important part of modern society. Travel credit cards offer you a great opportunity to earn free points that can be redeemed for air tickets, hotel booking, and even cash! And if you haven’t thought about travel credit cards until now, here’s what you need to know about the top 3 Canadian travel credit cards. Yes, whether you are a frequent flyer or a travel bargain hunter, our evaluation of the best travel credit cards in Canada can help you make the most of your vacation. Remember that we measured the value of each reward program in terms of flight cost and hotel deals. We also considered a number of points you require to redeem each reward along with other credit card details such as annual fee, transaction fee, ease of redemption and insurance coverage. Which cards managed to make it to our list? Well first, you need to know that there is no perfect travel card; however, there is only one perfect credit card for you. Each card offers different benefits that fit different people. So what card should you consider? Continue reading to find out more.

Compare All Travel Rewards Credit Cards