CreditCardGuru

Best Travel Credit Cards in Canada

Updated June 2026 · Independently rated by the CreditCardGuru editorial team

The best travel credit cards in Canada earn flexible points or airline miles, waive foreign transaction fees, and include travel insurance and airport lounge access. The right pick depends on whether you're loyal to one airline or want flexibility. If you want the most flexible travel points, choose a card that earns transferable rewards you can move to multiple airline and hotel partners.

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#25
CIBC Aventura Visa Infinite
CIBC®

CIBC® Aventura® Visa® Infinite

4.3·Flexible travel rewards with no airline lock-in
Annual fee
$139/yr
Welcome bonus
~$1,000
Top reward
2x travel via cibc rewards centre
  • Flexible points with no airline lock-in
  • First-year fee commonly waived

Suggested score 720+ · Excellent credit

Apply nowView details
#26
RBC Avion Visa Infinite
RBC®

RBC® Avion® Visa® Infinite

4.3·Flexible Avion points with airline transfer partners
Annual fee
$120/yr
Welcome bonus
~$700
Top reward
1.25x travel
  • Flexible points with airline transfer partners
  • No blackout travel redemptions

Suggested score 720+ · Excellent credit

Apply nowView details
#35
Scotiabank American Express Card
Scotiabank®

Scotiabank® American Express® Card

4.1·Budget-conscious earners who want Gold Amex-style category earning without paying an annual fee.
Annual fee
No annual fee
Welcome bonus
~$100
Top reward
3x sobeys-family grocery stores
  • Best-in-class earn rates for a no-fee card
  • Mobile device insurance is rare at $0 annual fee

Suggested score 660+ · Good credit

Apply nowView details
#36
MBNA Rewards World Elite Mastercard
MBNA®

MBNA® Rewards World Elite Mastercard®

4.1·Households with heavy grocery, dining and utility spend who want flexible points on a Mastercard.
Annual fee
$120/yr
Welcome bonus
~$300
Top reward
5x groceries
  • Exceptional 5x earn rate on groceries, dining, utilities, memberships and digital media
  • Birthday bonus effectively boosts all earnings by up to 10%

Suggested score 720+ · Excellent credit

Apply nowView details
#40
TD Aeroplan Visa Platinum Card
TD® Bank

TD® Aeroplan® Visa® Platinum Card

4.0·Maximizing rewards on gas & groceries & ev charging & air canada
Annual fee
$89/yr
Welcome bonus
~$441
Top reward
1x gas & groceries & ev charging & air canada
  • Earns 1x on gas & groceries & ev charging & air canada
  • First Year Rebate on the annual fee

Suggested score 720+ · Excellent credit

Apply nowView details
#42
CIBC Aventura Visa Infinite Privilege Card
CIBC®

CIBC® Aventura® Visa® Infinite Privilege Card

4.0·High earners who want premium, airline-agnostic travel perks and strong everyday earn rates.
Annual fee
$499/yr
Welcome bonus
~$800
Top reward
3x travel via cibc rewards centre (cibc by expedia)
  • Strong 2x everyday categories and 1.25x base earn
  • $200 travel credit meaningfully offsets the fee

Suggested score 760+ · Excellent credit

Apply nowView details
#43
United MileagePlus Neo World Elite Mastercard
Neo® Financial

United® MileagePlus® Neo® World Elite Mastercard®

4.0·Canadians who fly United or Star Alliance regularly and want checked-bag and boarding perks at a modest fee.
Annual fee
$89/yr
Welcome bonus
~$375
Top reward
1.25x united airlines & star alliance flights
  • First premium United co-brand card in Canada at a low $89 fee
  • Real airline perks: free checked bag, priority boarding, award discounts

Suggested score 720+ · Excellent credit

Apply nowView details
#45
WestJet RBC World Elite Mastercard for Business
RBC®

WestJet® RBC® World Elite Mastercard® for Business

3.9·Business owners who fly WestJet frequently and want instant elite status plus accelerated points on company spend.
Annual fee
$175/yr
Welcome bonus
~$450
Top reward
6x westjet flights
  • Instant Silver status and very high earn on WestJet spending
  • Point pooling across business, employee and personal cards

Suggested score 720+ · Excellent credit

Apply nowView details
#48
Desjardins Odyssey Gold Visa
Desjardins®

Desjardins® Odyssey® Gold Visa®

3.7·Travellers, especially snowbirds and frequent vacationers, who value long-duration travel medical insurance over raw earn rates.
Annual fee
$110/yr
Top reward
2x restaurants
  • Excellent 60-day comprehensive travel insurance, rare at this fee level
  • 2% earn across dining, entertainment, transit, travel and recurring bills

Suggested score 720+ · Excellent credit

Apply nowView details
#49
CIBC Aeroplan Visa Card
CIBC®

CIBC® Aeroplan® Visa® Card

3.6·Casual Aeroplan collectors who refuse to pay an annual fee.
Annual fee
No annual fee
Welcome bonus
~$200
Top reward
1x gas & ev charging
  • No annual fee entry into the Aeroplan program
  • Includes rental car insurance, rare on a no-fee card

Suggested score 660+ · Good credit

Apply nowView details
#50
TD Platinum Travel Visa Card
TD® Bank

TD® Platinum Travel Visa® Card

3.5·Travellers who don't meet Visa Infinite income requirements but want elevated travel-points earning.
Annual fee
$89/yr
Welcome bonus
~$339
Top reward
6x expedia for td bookings
  • Solid 4.5x earn on groceries, dining and transit with no income requirement
  • First-year fee rebate on the current offer

Suggested score 720+ · Excellent credit

Apply nowView details
#51
CIBC Aventura Visa Card for Students
CIBC®

CIBC® Aventura® Visa® Card for Students

3.5·Post-secondary students building credit who want a first travel-rewards card.
Annual fee
No annual fee
Welcome bonus
~$125
Top reward
1x gas & ev charging
  • No income requirement makes approval accessible for students
  • Free SPC+ membership adds real student value

Suggested score 600+ · Fair credit

Apply nowView details
#52
BMO VIPorter Mastercard
BMO®

BMO® VIPorter® Mastercard®

3.5·Occasional Porter flyers who want airline perks without a premium fee.
Annual fee
$89/yr
Welcome bonus
~$419
Top reward
2x porter airlines purchases
  • Annual 35% flight discount can exceed the fee in one booking
  • Porter perks at a mid-tier price point

Suggested score 690+ · Good credit

Apply nowView details
#54
CIBC Aventura Visa Card
CIBC®

CIBC® Aventura® Visa® Card

3.3·Budget-conscious cardholders who want simple travel points without an annual fee.
Annual fee
No annual fee
Welcome bonus
~$125
Top reward
1x gas & ev charging
  • No-fee access to flexible travel rewards
  • Decent 1x earn on gas, groceries and drug stores

Suggested score 660+ · Good credit

Apply nowView details
#55
WestJet RBC Mastercard
RBC®

WestJet® RBC® Mastercard®

3.3·Occasional WestJet flyers who want a companion voucher without a premium annual fee.
Annual fee
$39/yr
Welcome bonus
~$150
Top reward
1.5x westjet flights, westjet vacations & sunwing vacations
  • Companion voucher at a low $39 annual fee
  • Low $2,500 annual spend to renew the voucher

Suggested score 690+ · Good credit

Apply nowView details

Travel credit cards: FAQ

What is the best credit card for travel points in Canada?

For flexible, transferable travel points, the American Express Cobalt earns 5x on dining and groceries with points that transfer to airline and hotel partners. If you fly Air Canada, the TD Aeroplan Visa Infinite earns Aeroplan points plus a free first checked bag. Travellers who want zero foreign transaction fees should look at the Scotiabank Passport Visa Infinite.

What is the best travel credit card in Canada?

For Air Canada flyers, the TD Aeroplan Visa Infinite is hard to beat thanks to a free first checked bag. For flexibility and no foreign transaction fees, the Scotiabank Passport Visa Infinite is our top all-rounder.

Which travel cards have no foreign transaction fees?

The Scotiabank Passport Visa Infinite and Scotiabank Gold American Express both waive the usual 2.5% foreign transaction fee, saving you money on every purchase made in another currency.

Are travel credit card points worth more than cash back?

Often yes. Transferable points and airline miles can be worth 2 cents or more each when redeemed for flights, versus a fixed 1 cent for cash back — but only if you redeem them well.

Want to see how these stack up against every other card? Compare all credit cards or read how we rate cards.

Disclaimer: This page is for informational purposes only and does not constitute financial, tax or legal advice. Card terms and offers change and may be out of date — always verify with the issuer before applying, and consult a qualified professional before making financial decisions. CreditCardGuru may earn a commission from cards featured on this site; this never influences our editorial ratings. See our advertiser disclosure.

Written by

C

CreditCardGuru Editorial Team

Rewards & Cards Research

Our editorial team independently researches and rates every credit card in Canada using a transparent, data-driven methodology. We update card terms continuously and never let issuer relationships influence our ratings.

  • 200+ Canadian cards tracked
  • Transparent rating methodology
  • Updated continuously

Cite this page

“Best Travel Credit Cards in Canada” — CreditCardGuru, https://creditcardguru.ca/best/travel.

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