⚠ Disclaimer: We may earn a commission if you apply through the links on this page. Any results described are from our own personal experience — individual results vary, and card terms and rewards pricing change over time, so confirm current details with the issuer before applying.
Points cards pay off when you redeem for flights and hotels. Watch the annual fee and the foreign transaction fee if you spend abroad.
Great rewards, travel benefits and no FX fees
Welcome offer: Earn up to $1,100 in welcome offers, first year rewards and savings value, including up to 65,000 bonus Scene+ points.
+$150 extra cash back through FinlyWealth
Premium Travel Perks and No FX Fees
Welcome offer: Earn up to 40,000 bonus Scene+ points
Best travel points earning credit card in Canada
Welcome offer: Up to 15,000 Membership Rewards® points
+$75 extra cash back through FinlyWealth
| Card | Welcome offer | Extra cash back | Annual fee | Purchase rate | Cash advance | FX fee | |
|---|---|---|---|---|---|---|---|
Scotiabank Gold American Express Card Scotiabank | Earn up to $1,100 in welcome offers, first year rewards and savings value, including up to 65,000 bonus Scene+ points.Est. value $650 | +$150 cash back | $120 | 21.99% | 22.99% | 0% | Apply → |
Scotiabank Passport Visa Infinite Business Card Scotiabank | Earn up to 40,000 bonus Scene+ pointsEst. value $400 | — | $199 | 19.99% | 22.99% | 0% | Apply → |
American Express Cobalt Card American Express | Up to 15,000 Membership Rewards® pointsEst. value $285 | +$75 cash backuntil Dec 30, 2026 | $191.88 | 21.99% | 21.99% | 2.5% | Apply → |
 Scotiabank Passport Visa Infinite + Card Scotiabank | — | +$150 cash back | $150 | 20.99% | 22.99% | 0% | Apply → |
 American Express Aeroplan Business Reserve Card American Express | Earn up to 90,000 Aeroplan® pointsEst. value $1,530 | — | $599 | 21.99% | 21.99% | 2.5% | Apply → |
 American Express Aeroplan Reserve Card American Express | Earn up to 85,000 Aeroplan points.Est. value $1,140 | +$150 cash backuntil Dec 30, 2026 | $599 | 21.99% | 21.99% | 2.5% | Apply → |
 TD First Class Travel Visa Infinite Card TD | Earn up to $1,400 in value, including up to 160,000 TD Rewards Points and receive an Annual Fee rebate for the first year.Est. value $800 | +$50 cash back | $1391st year free | 21.99% | 22.99% | 2.5% | Apply → |
 Business Platinum Card from American Express American Express | Earn up to 120,000 bonus Membership Rewards® pointsEst. value $2,400 | +$175 cash backuntil Dec 30, 2026 | $799 | Pay in full | — | 2.5% | Apply → |
 The Platinum Card American Express | Earn up to 100,000 Membership Rewards® pointsEst. value $1,330 | +$150 cash backuntil Dec 30, 2026 | $799 | 21.99% | — | 2.5% | Apply → |
 National Bank World Elite Mastercard National Bank | Earn up to 35,000 rewards points upon enrollment + win one of five $10,000 À la Carte Travel gift certificatesEst. value $350 | +$100 cash back | $150 | 20.99% | 22.49% | 2.5% | Apply → |
 American Express Business Gold Rewards Card American Express | Earn a welcome bonus of up to 70,000 Membership Rewards® points in your first yearEst. value $1,190 | — | $199 | Pay in full | — | 2.5% | Apply → |
 BMO VIPorter World Elite Mastercard BMO | Get up to 70,000 VIPorter points and a round-trip companion pass. Plus receive $1,000 in Qualifying Spend.Est. value $1,050 | +$125 cash back | $1991st year free | 21.99% | 23.99% | 2.5% | Apply → |
 TD Aeroplan Visa Infinite Card TD | Up to $1,550 in value including up to 50,000 Aeroplan points and a first-year Annual Fee rebate.Est. value $950 | — | $1391st year free | 21.99% | 22.99% | 2.5% | Apply → |
 Scotiabank Passport Visa Infinite Privilege Card Scotiabank | Earn up to 80,000 bonus Scene+ points within your first 14 months.Est. value $800 | +$175 cash back | $599 | 20.99% | 22.99% | 0% | Apply → |
 Marriott Bonvoy Business American Express Card American Express | Earn up to 80,000 bonus Marriott Bonvoy® pointsEst. value $602 | — | $150 | 21.99% | 21.99% | 2.5% | Apply → |
 Hilton Honors American Express Card American Express | Earn up to 70,000 Hilton Honors™ Points and a Free Night RewardEst. value $420 | — | $150 | 21.99% | 21.99% | 2.5% | Apply → |
 RBC ION+ Visa RBC | Get 14,000 Avion points - that's $100 of value in gift cards! Apply by January 12, 2027.Est. value $140 | — | $48 | 20.99% | 22.99% | 2.5% | Apply → |
 RBC Avion Visa Infinite Privilege RBC | Get up to 100,000 Avion pointsEst. value $1,400 | — | $399 | 20.99% | — | 2.5% | Apply → |
 RBC Avion Visa Infinite RBC | Get up to 70,000 Avion pointsEst. value $1,100 | — | $120 | 20.99% | 22.99% | 2.5% | Apply → |
 TD Aeroplan Visa Infinite Privilege Credit Card TD | Up to $3,300 in value including up to 100,000 Aeroplan points could be yours. Conditions Apply.Est. value $1,445 | — | $599 | 21.99% | 22.99% | 2.5% | Apply → |
 American Express Gold Rewards Card American Express | Earn up to 60,000 Membership Rewards® pointsEst. value $1,200 | — | $250 | 21.99% | 21.99% | 2.5% | Apply → |
 enviro Visa Infinite card Vancity | — | — | $1201st year free | 19.5% | — | 2.5% | Apply → |
 Marriott Bonvoy American Express Card American Express | — | — | $120 | 21.99% | 21.99% | 2.5% | Apply → |
 WestJet RBC World Elite Mastercard RBC | Get up to 70,000 WestJet pointsEst. value $700 | +$140 cash back | $139 | 20.99% | 22.99% | 2.5% | Apply → |
 United MileagePlus Neo World Elite Mastercard Neo Financial | Get up to 25,000 MileagePlus milesEst. value $320 | +$125 cash back | $89 | 19.99% | 22.99% | 3% | Apply → |
 BMO eclipse Visa Infinite Privilege Card BMO | Get up to $2,700 in value including up to 200,000 points, 10 lounge passes and a $200 annual Travel Credit. Plus, enjoy no foreign transaction fees and more.Est. value $1,340 | +$100 cash back | $599 | 21.99% | 23.99% | 0% | Apply → |
 BMO eclipse Visa Infinite Card BMO | Get up to $1,200 in value including up to 80,000 Bonus points, monthly streaming statement credit, $50 statement credit, and no annual fee in your first year.Est. value $536 | +$200 cash back | $1201st year free | 21.99% | — | 2.5% | Apply → |
 Scotiabank Platinum American Express Card Scotiabank | Earn up to $2,800 in value in the first 14 months, including up to 80,000 bonus Scene+ points.Est. value $800 | +$175 cash back | $399 | 9.99% | 9.99% | 0% | Apply → |
 American Express Aeroplan Card American Express | Earn up to 45,000 Aeroplan pointsEst. value $680 | — | $120 | Pay in full | — | 2.5% | Apply → |
 BMO VIPorter Mastercard BMO | Get up to 40,000 VIPorter points and a 35% off flight voucher.Est. value $600 | +$100 cash back | $891st year free | 21.99% | 23.99% | 2.5% | Apply → |
 United MileagePlus Neo World Elite Mastercard Secured Neo Financial | Get up to 25,000 MileagePlus milesEst. value $320 | — | $89 | 19.99% | 22.99% | 3% | Apply → |
 RBC ION Visa RBC | Get up to 7,000 Avion points - that's $50 of value in gift cards! Apply by January 12, 2027.Est. value $70 | — | $0 | 20.99% | 22.99% | 2.5% | Apply → |
 Scotiabank Scene+ Visa Card Scotiabank | Earn up to 10,000 bonus Scene+ points within your first 3 months + a 0.99% introductory interest rate on balance transfers for the first 9 monthsEst. value $100 | +$50 cash back | $0 | 21.99% | 22.99% | 2.5% | Apply → |
 TD Aeroplan Visa Platinum Card TD | Up to $500 in value, including up to 20,000 Aeroplan pointsEst. value $340 | — | $891st year free | 21.99% | 22.99% | 2.5% | Apply → |
 National Bank Platinum Mastercard National Bank | — | +$50 cash back | $701st year free | 20.99% | 22.49% | 2.5% | Apply → |
 WestJet RBC World Elite Mastercard for Business RBC | Get up to 100,000 WestJet points - up to $1,000 in travel valueEst. value $1,000 | — | $175 | 19.99% | 22.99% | 2.5% | Apply → |
 BMO Ascend World Elite Mastercard BMO | Get up to $1,900 in value including up to 115,000 points. Plus, get a 0% introductory interest rate on Balance transfers for 12 months.Est. value $770.50 | +$120 cash back | $1501st year free | 21.99% | — | 2.5% | Apply → |
 Tangerine Rewards World Elite Mastercard Tangerine | Earn up to $1,220 in value for the first yearEst. value $600 | +$120 cash back | $120 | 20.95% | 22.95% | 2.5% | Apply → |
 TD Platinum Travel Visa Card TD | Earn up to $370 in value, including up to 50,000 TD Rewards Points and receive an Annual Fee rebate for the first year. Conditions apply.Est. value $250 | — | $891st year free | 21.99% | 22.99% | 2.5% | Apply → |
 BMO eclipse rise Visa Card BMO | Get up to 25,000 bonus points in your first anniversary!Est. value $167 | +$50 cash back | $0 | 21.99% | 23.99% | 2.5% | Apply → |
 Low-interest enviro Visa Classic card with Vancity Rewards Vancity | No fee for your first year | — | $501st year free | 11.25% | 11.25% | 2.5% | Apply → |
 Scotiabank American Express Card Scotiabank | Earn up to 5,000 bonus Scene+ points within your first 3 months (that’s up to $50 towards travel).Est. value $50 | +$50 cash back | $0 | 21.99% | 22.99% | 2.5% | Apply → |
 BMO Blue Rewards World Elite Mastercard BMO | Get up to $1,600 in value and the annual fee waived in the first year. Plus, get a 0% introductory interest rate on balance transfers for 12 months with a 2% transfer fee.Est. value $1,600 | +$120 cash back | $1501st year free | 21.99% | — | 2.5% | Apply → |
 BMO Blue Rewards Mastercard BMO | Get 20,000 Bonus Points, a 9-month 0.99% introductory interest rate on balance transfers with a 2% transfer fee, and earn rewards from over 400 brands.Est. value $134 | — | $0 | 21.99% | 23.99% | 2.5% | Apply → |
 enviro Visa Classic card Vancity | — | — | $0 | 19.5% | — | 2.5% | Apply → |
 National Bank World Mastercard National Bank | — | — | $115 | 20.99% | 22.49% | 2.5% | Apply → |
 American Express Green Card American Express | Up to 10,000 Membership Rewards® pointsEst. value $200 | — | $0 | 21.99% | 21.99% | 2.5% | Apply → |
 TD Rewards Visa Card TD | Earn a value of $50 in TD Rewards Points to use on eligible Amazon.ca purchases.Est. value $75.76 | — | $0 | 21.99% | 22.99% | 2.5% | Apply → |
Offer data from FinlyWealth, updated 2026-11-08. Rates, fees and offers change often and may differ from what the issuer shows you — always confirm the current terms on the issuer's site before applying. "Extra cash back" is paid by FinlyWealth when you apply through our link and are approved; conditions are on the FinlyWealth page. Rankings use FinlyWealth's rating, then welcome-offer value. crediteasy.ca is independent and does not provide financial advice.