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Review: CIBC Aventura® Visa Infinite* Card

The CIBC Aventura® Visa Infinite* Card comes with a consistent welcome bonus, airport lounge access, and strong insurance benefits.

If you’d like to collect Aventura Points to put towards travel expenses, the CIBC Aventura® Visa Infinite* Card is a great product to add to your wallet.

However, be aware that Aventura Points have a few limitations compared to other kinds of points, which we’ll explore in detail in this review.

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Consistent welcome bonus, standard earning rates, redeeming cibc aventura points, strong insurance coverage, what else does the card offer, other cards to consider.

The welcome bonus on the CIBC Aventura® Visa Infinite* Card has consistently fluctuated between 40,000 and 45,000 Aventura Points over the past few years.

A good portion of this welcome bonus is usually awarded upon making your first purchase, while you earn the rest by spending a set amount of money within a certain timeframe.

Depending on the offer, you typically earn 15,000 Aventura Points upon making your first purchase, and a second bonus is usually awarded upon meeting a reasonable minimum spending requirement in the first four months.

The CIBC Aventura® Visa Infinite* Card also often comes with an annual fee rebate for the first year.

• Earn 15,000 CIBC Aventura Points after making your first purchase †
• Plus, earn 30,000 CIBC Aventura Points after spending $3,000 in the first four monthly statement periods †
• Plus, earn 2x CIBC Aventura Points on all purchases through the CIBC Rewards Centre †
• Plus, earn 1.5x CIBC Aventura Points on eligible gas, groceries, EV charging, and drugstore purchases †
• Four free lounge visits per year with the Visa Airport Companion Program †
• NEXUS application fee credit †
• Minimum income: $60,000 personal or $100,000 household †
• Annual fee: $139 (rebated for the first year) †

We value CIBC Aventura Points at 1.25 cents per point (all figures in CAD). Using this valuation, we value a welcome bonus of 40,000 Aventura Points at $500, and a welcome bonus of 45,000 Aventura Points at $562.50. Depending on how you choose to redeem points, the value could end up being worth more or less.

The best time to apply for this card is when it offers a welcome bonus of 45,000 Aventura Points (or more), and especially when it comes paired with a first-year annual fee rebate.

The earning rates on the CIBC Aventura® Visa Infinite* Card change based on the purchase category, and are structured as follows:

• Earn 2 Aventura Points per dollar spent on eligible travel booked through the CIBC Rewards Centre†
• Earn 1.5 Aventura Points per dollar spent on eligible gas, groceries, electric vehicle charging, and drugstore purchases†
• Earn 1 Aventura Point per dollar spent on all other eligible purchases†

It’s worth noting that the earning rates on the CIBC Aventura® Visa Infinite* Card are‌n’t the best in the business.

It’s great to see that cardholders have the chance to earn more points when they use their card for select purchases. However, you’ll only 50% more points on popular day-to-day categories (like gas and groceries) compared to the baseline earning rate, and there are similar credit cards that offer a better return in these categories.

What’s more, there’s no elevated earning rate for restaurants or food delivery, or for travel booked outside the CIBC Rewards Centre† with the CIBC Aventura® Visa Infinite* Card.

While there are many different ways to redeem CIBC Aventura Points , you’ll get the best value when you redeem them for travel.

The best example of a valuable travel redemption option is using CIBC’s Aventura Airline Rewards Chart when booking flights in economy.

Using the Aventura Airline Rewards Chart, you can redeem Aventura Points at a fixed rate against the base fare of a flight.

The number of Aventura Points required will depend on your route, but it’s possible to get a redemption value of up to 2.29 cents per Aventura Point,  which is great.

You can also redeem Aventura Points at a fixed rate of 1.25 cents per point against any eligible travel expenses you charge to your card.

Importantly, you must make this type of redemption while the travel expense is still “pending” on your card.

When redeemed this way, CIBC Aventura Points are the most valuable fixed-value points currency in Canada. Other fixed-value programs only offer a redemption value of 1 cent per point or less against travel expenses.

By combining the Aventura Airline Rewards Chart and the fixed-rate redemption options, Aventura Points can be very useful. This is especially so for travel expenses that are otherwise difficult to book on points, such as short-term rentals, car rentals, independent hotels, and cruises, to name a few.

Now, while Aventura Points are valuable within the Aventura program, they aren’t transferable to any external airline or hotel loyalty programs.

Credit cards that earn transferable points are generally considered to be more powerful, since they can do everything that Aventura Points can and more.

For example, American Express Membership Rewards can be transferred to Aeroplan , British Airways Executive Club , Air France KLM Flying Blue , and others. From there, you can redeem points for flights in premium cabins, which likely gets significantly more value than Aventura’s highest redemption rate of 2.29 cents per point.

Plus, you can redeem Membership Rewards points for a statement credit against any expense, and you can book flights with the Amex Fixed Points Travel Program , which is similar to the CIBC Aventura Airline Rewards Chart.

In the past, CIBC used to allow members to transfer Aventura Points to Aeroplan at a 1:1 ratio. In fact, if you have an eligible CIBC card opened before 2013, you can still convert Aventura Points this way.

However, for most CIBC clients, transferring Aventura Points to another loyalty program isn’t an option, and unfortunately, the points just aren’t as powerful as they once were.

As a travel credit card at the Visa Infinite* level, the CIBC Aventura® Visa Infinite* Card offers an overall strong insurance package that’s comparable to many of its competitors.

Out-of-province emergency medical insurance covers up to $5,000,000 per insured person, per trip.† If you’re 64 or younger, you’ll enjoy 15 days of coverage, whereas cardholders 65 or older will receive three days of emergency medical insurance.†

The CIBC Aventura® Visa Infinite* Card also comes with very strong purchase security insurance. If you use this card to purchase an item that’s lost or incurs accidental damage up to 90 days after the original purchase, CIBC will cover you for up to $60,000 per lifetime.†

Lastly, if you use your CIBC Aventura® Visa Infinite* Card to pay for a mobile phone, you’ll be covered if your mobile device is lost, stolen, or accidentally damaged.† This coverage lasts for up to two years and is for a maximum of $1,000 per occurrence.†

In addition to the insurance coverage mentioned, the CIBC Aventura® Visa Infinite* Card also comes with the following:

• Trip cancellation insurance to a maximum of $1,500 per insured person, to a combined maximum of $5,000 for all insured persons†
• Trip interruption/trip delay insurance to a maximum of $2,000 per insured person†
• Car rental insurance for theft, loss, or damage to the rental car up to the actual cash value of the rental car†
• Common carrier insurance to a maximum of $500,000 per insured person†
• Baggage insurance to a maximum of $500 per insured person, up to $1,000 for all insured persons combined for delayed baggage of more than six hours†
• Flight delay insurance to a maximum of $500 for all insured persons combined†
• Hotel burglary insurance to a maximum of $2,500 per burglary occurrence†

Most insurance benefits require that applicable travel expenses be charged in full to your CIBC Aventura® Visa Infinite* Card for the insurance to be in effect.

For the most part, insurance coverage benefits with the CIBC Aventura® Visa Infinite* Card are what you’d expect when comparing it to similar credit cards.

That said, the trip delay insurance is slightly stronger than usual, while the baggage insurance is not as strong as what’s offered on similar cards.

The CIBC Aventura® Visa Infinite* Card comes with additional card benefits, with the most notable of these being the included airport lounge access.

Cardholders can enjoy four complimentary lounge visits per membership year at 1,200+ airport lounges through the Visa Airport Companion Program †.

In fact, complimentary airport lounge access isn’t a benefit with most Visa Infinite* cards, so its inclusion with the CIBC Aventura® Visa Infinite* Card is ‌a significant perk.

While there may only be four complimentary visits each year, these four visits alone could easily make up for the cost of the annual fee on the card.

Another benefit worth mentioning is the $100 NEXUS credit. Every four years, CIBC Aventura® Visa Infinite* Card members can get a credit of up to $100 towards their NEXUS application or renewal.† 

Lastly, if you link your CIBC Aventura® Visa Infinite* Card to your Journie Rewards account, you can save up to 10 cents per litre at participating Pioneer, Fast Gas, Ultramar, and Chevron gas stations.†

The CIBC Aventura® Visa Infinite* Card is a great card if you’d like to earn Aventura Points ; however, there are other cards out there to consider that are stronger in areas where the CIBC Aventura® Visa Infinite* Card falls behind.

If you’d like to stick with a CIBC product, the CIBC Aeroplan® Visa Infinite* Card is a great alternative. Instead of Aventura Points, you earn Air Canada Aeroplan points, which can be far more valuable when redeemed strategically.

While you miss out on some of the unique benefits offered on the CIBC Aventura® Visa Infinite* Card, including the complimentary lounge access and the NEXUS credit, you instead enjoy Air Canada-specific benefits, such as a free first checked bag on Air Canada flights, preferred pricing on Aeroplan redemptions , and more.

If you often use your credit card outside of the country, the Scotiabank Passport® Visa Infinite* Card is a great alternative as well.

For a slightly higher annual fee of $150 (compared to the CIBC Aventura® Visa Infinite* Card’s annual fee of $139), you receive six complimentary airport lounge visits each year and enjoy no foreign transaction fees to boot.†

Depending on how much you spend outside of Canada, having a card with no foreign transaction fees could wind up saving you a lot of money. Plus, you earn fixed-value Scene+ points that can be used to offset the cost of travel in a similar way to CIBC Aventura Points.

The CIBC Aventura® Visa Infinite* Card is a great card to use to help offset the cost of travel expenses. Plus, it comes with a consistent welcome bonus, and has strong credit card insurance benefits, and even airport lounge access.

However, CIBC Aventura Points aren’t as powerful as other travel rewards points, since you can’t transfer them to external partners.

If you’re looking for a credit card that allows you to travel in luxury at a fraction of the cost, the CIBC Aventura® Visa Infinite* Card may not be the best choice.

That said, if you’re able to take advantage of the card’s many benefits, and you want to redeem Aventura Points against flights or other travel expenses, then the CIBC Aventura® Visa Infinite* Card is a great option to consider.

† Terms and conditions apply. Please refer to the CIBC website for the most up-to-date product information.

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Claims overview

What to do in an emergency, in an emergency, call allianz global assistance.

Travel assistance is available to you 24 hours a day, 7 days a week.

From Canada or the U.S., call  1-833-861-5088 Opens your phone app. .

From all other locations, call collect  1-519-514-1915 Opens your phone app. .

An agent will refer you to the nearest available medical facility, arrange billing on your behalf whenever possible, and give you important information about the claims process.

In a serious medical emergency, get to a hospital. Have a family member or friend call on your behalf once you’re at the facility and within 24 hours of admission.

You must notify Allianz Global Assistance:

• Before receiving any medical treatment
• If you must cancel, interrupt, or delay your trip
• If you experience any emergency

Failure to notify Allianz Global Assistance can delay the processing and payment of your claim and may limit the amount of your claim payment.

Please note, your purchased travel insurance is separate from the coverage included with your CIBC credit card. 

Learn more about the travel coverage included with your CIBC credit card Opens in a new window.

How to file a claim

Visit the allianz global assistance claims portal.

• The online Claims Portal offers a smoother, more efficient experience while keeping you informed of what’s happening at each stage of your claims journey. 
• Have a copy of your Policy handy when submitting your claims online. If you don’t have your Policy, call Allianz Global Assistance at 1-833-861-5088 Opens your phone app. .
• If your coverage includes non-medical benefits, such as Trip Cancellation, Trip Interruption, or Lost or Delayed Luggage, you can submit your claim online for faster claim processing through Allianz Global Assistance’s secure Claims Portal Opens in a new window. .
• You can also submit claims for out-of-pocket expenses for emergency medical treatment through the Claims Portal or by calling Allianz Global Assistance for a claims form.

Obtain a claim form

• Obtain a claim form within 30 days of occurrence by calling Allianz Global Assistance.
• Complete the claim form in writing, or by using the fillable PDF format. 
• Send your completed form to the mailing address or email provided in the form, along with any required documentation listed in your Certificate of Insurance or your claim form.
• Submit your completed claim form within 90 days of the date the service was provided or the emergency situation occurred. 
• All claims must be reported within 30 days of occurrence.

For more detail about claims refer to the sample Policy (CIBC Comprehensive Travel Insurance Plan) (PDF, 570 KB) Opens in a new window. .

You can receive Virtual Care!

• Virtual Care is a service provided by Allianz Global Assistance that offers tele-medicine support such as “Tele-Advice” and “Tele-Consultations” from qualified medical doctors (MDs) anywhere in the world. The service is provided in real time via video conference through your computer, phone or internet-accessible device.
• This convenient service can help you receive non-emergency care based on your specific needs and symptoms. For example, you can receive care for an insect bite that is not serious or mild headache that may be related to jetlag.
• Tele-Advice includes an initial consultation and advice from an MD, accessed through a web-based link provided by Allianz via email.
• Tele-Consultation provides consultation with an MD that may also include confirmation of a diagnosis and issuance of a prescription that you can access via a downloadable application. 
• Please note that Virtual Care is an optional service offered by Allianz’s claims services.

Our partners

CIBC earns compensation from the insurer for the promotion of CIBC Travel Insurance plans.

Distributing firm

CIBC Travel Insurance is administered by Allianz Global Assistance, which is a registered business name of AZGA Service Canada Inc. Allianz Global Assistance provides the CIBC travel assistance and claims services in respect of all insurance coverage under CIBC Travel Insurance plans.

AZGA Insurance Agency Canada Ltd. operating as Allianz Global Assistance

700 Jamieson Parkway Cambridge, Ontario N3C 4N6 519-742-2800 Opens your phone app.

The insurers

CIBC Travel Insurance plans are underwritten by Co-operators Life Insurance Company, which covers accident and sickness benefits, and The Sovereign General Insurance Company, which covers property and casualty benefits.

Co-operators Life Insurance Company

1920 College Avenue Regina, Saskatchewan S4P 1C4 1-800-454-8061 Opens your phone app.

The Sovereign General Insurance Company

140 – 6700 Macleod Trail South East Calgary, Alberta T2H 0L3 1-800-510-0354 Opens your phone app.

More information about CIBC Travel Insurance

Licensed sectors.

CIBC is licensed to sell damage insurance (broker) and insurance of person.

Are we not meeting all of your expectations? Follow Allianz’s complaint process Opens a new window in your browser.

Select your country and language

Please note: Multilanguage sites do not provide full access to all content on CIBC.com. The full CIBC website is available in English and French.

CIBC Aeroplan Visa Infinite Credit Card Review

By Stefani Balinsky | Published on 26 Jul 2023

Banks issue credit cards all the time, each one promising perks and benefits for users. Some get renamed and a few perks added to keep them relevant. Case in point:  the CIBC Aeroplan Visa Infinite card, previously known as the CIBC Aerogold Visa Infinite Card. Sure, it is an Aeroplan-linked travel credit card but does it deliver real travel benefits? Will it save you money? Read our complete review and find out.

Annual fee: $139 fee is waived for the first year

Interest Rate: Purchases 20.99%, Cash 22.99% and 21.99% for Quebec residents

Introductory offer : 20,000 points and a free Air Canada Buddy Pass

[pdf-embedder url=”https://wpapi.hardbacon.ca/wp-content/uploads/2022/03/aeroplan-visa-infinite-benefits-guide-en.pdf”]

CIBC Aeroplan Visa Infinite review

The CIBC Aeroplan Visa Infinite Credit Card might be one of the most important credit tools in your life. With inflation making our spending power shrink, this card and its rewards can help you get more with each use. One of its best features is its shareability. 

Perks for the primary cardholder

As a new primary card holder, you get 10,000 Aeroplan points when you make your first purchase, plus another 10,000 if you spend over $1000 CAN in the first four months. The $139 annual fee is waived for the first year. There are a lot of cards that waive the first year’s annual fee, but CIBC Aeroplan Visa Infinite takes it a step further. As the primary card holder, you never have to pay the annual fee if you are also a CIBC Smart Plus Account holder. 

Earn points faster with the CIBC Aeroplan Visa Infinite Card

You can share your perks and earn benefits faster with the CIBC Aeroplan Infinite Visa Card. Nothing says stretching your spending power like combining forces with your friends or family. This card is the first one I’ve seen that lets you do it for travel.

Authorized users

One of the best things about the card is that you can add up to three authorized users. That means a total of four people can use the card. Each extra card costs $50 each in annual fees. 

With Aeroplan Family Sharing, you can combine points with other Aeroplan members in your household. That means that you can collect points faster. Even better, Your authorized users can access travel benefits even when travelling without you by linking their Aeroplan number. 

Your travel companions get free checked baggage as well. That is a game changer. We will cover that later.

As a new cardholder, your Air Canada Buddy Pass gets you a second ticket when you book an economy ticket. On the second ticket, you only pay the taxes and third-party charges. Think of the money saved.This kicks in when you spend $1,000 CAN or more during the first 4 months. You had to do that anyway to get the second 10,000 points for the bonus offer.

Don’t worry, you can put spending and cash withdrawal limits on your authorized users. However, it uses up the overall credit limit for the primary cardholder. You can limit the risk and monitor everyone’s spending with the CIBC mobile app or online. 

Earning points at jet speed

www.cibc.com/en/personal-banking/credit-cards/all-credit-cards/aeroplan-visa-infinite-card.html

Earning more points is easy with the card. Every dollar spent on gas and groceries earns you 1.5 points. When you book directly with Air Canada vacations, you also get 1.5 points for every dollar spent. Otherwise, every other type of purchase earns 1 point for every dollar spent. Plus you can earn points twice in a single transaction when you use your card at any of the 150 Aeroplan partners and over 170 online retailers through the Aeroplan eStore.

Reach Aeroplan Elite Status sooner

To really take advantange of the card you need to be a member of Aeroplan. Your authorized users too, otherwise you don’t get all of the perks. Signing up to Aeroplan isn’t hard and it’s free.

Once everyone links their Aeroplan numbers to the credit card, you can reach Elite status faster. You get 1,000 Status Qualifying Miles and 1 Status Qualifying Segment for every $10,000 in eligible purchases made on your  card. 

Calculate the benefits yourself

The CIBC Aeroplan Visa Infinite card has a great calculator that shows you how many points you can earn each month. I plugged in $1000 in gas and groceries, plus another $400 for Other purchases. With the Welcome Bonus and without any Air Canada transactions, I was on track to have 32,800 points by year end. That is enough to get one round-trip economy class long-haul ticket in North America; I can get from Toronto to San Francisco for free.

There is another way to earn points without having to buy a single thing. Because the card is from CIBC, you benefit from the bank’s other services. That includes their global money remittance service called Global Money Transfer. You may have a friend or family living in another country, a child away at school, or you just need to send money out of the country. Each time you spend $4 CAN with Global Money Transfer, you earn 1 point. When was the last time you only had to send $4 somewhere? This can add points to your balance really quickly, while still saving you money, since the service has no transaction fees.

CIBC Aeroplan Visa Infinite Card has no blackout dates

Let’s say that you want to fly from Toronto to San Francisco for Victoria Day Weekend or use your points at Christmas. During high season or low season, your points work. With the CIBC Aeroplan Visa Infinite Credit Card, there are no blackout dates. If the seat is available for cash, then it is available for points.

Free Baggage for you and 8 other friends

When you use your credit card, you get your first checked bag free, so long as it weighs under 50 pounds and you are flying with Air Canada or an Air Canada banner airline. However, if your first bag is already free for some reason, such as with Air Canada Elite status, then you cannot apply your Visa Infinite free baggage allowance to your second bag. 

Another perk is that a total of 9 people, so you and 8 of your friends and family, also have the first bag checked for free. If you fly economy, that is a $30 savings per bag on most flights. 

CIBC Aeroplan Visa Infinite stacks insurance coverage

Your CIBC Aeroplan Visa Infinite Credit Card comes with insurance coverage for mobile devices, hotel burglary, and trip cancellation or trip interruption. Any claims go through Global Excel Management and not the CIBC or Visa. You have to read the fine print, though, especially for travel medical insurance. 

Travel medical insurance

It might be a good idea to take out some extra travel insurance if your trip is longer than 15 days, if you are 65 years old or more, or if you have a pre-existing medical condition. You also have to clear any treatment options with Global Excel Management Inc. before any treatment is given. Otherwise, the primary cardholder, their spouse and dependent children are covered for 5 million Canadian dollars in eligible out-of-province emergency travel medical expenses. 

Trip cancellation and interruption

The primary cardholder, their spouse, dependent children or travelling companion are covered so long as the trip is cancelled before departure. It comes to a maximum of $5000 for everyone combined or $1500 per person. If the trip is delayed or interrupted, the number actually increases to $2000 per person.

Flight delay and baggage

If your flight is delayed more than 4 hours, you are eligible for $500 combined for all parties to cover accommodations and meals, plus $100 for ground transport and another $100 for entertainment. If your baggage is delayed more than 6 hours, is stolen, lost, or damaged, the maximum combined coverage for everyone is $1000. This is a little on the cheap side considering it covers the primary cardholder, primary cardholder’s spouse and dependent children, authorized user, authorized user’s spouse and dependent children. If you are all together, that $1000 is gone pretty fast. 

Hotel burglary

To be honest, this is something new to me. Only the primary cardholder, primary cardholder’s spouse and dependent children are covered and the maximum combined payout is $2500 for personal items excluding cash. 

Common carrier insurance

Common carrier is when you are taking a type of mass transit. Whenever you travel by ferry, train, plane, or bus, you should charge your tickets to your CIBC Aeroplan Visa Infinite Card. This way, you as the primary cardholder, your spouse and dependent children can be protected. The maximum payout is $500,000. 

Car rental insurance

Car rental insurance is included if you rent with your card and waive the rental agency’s Collision Damage Waiver (CDW) or Loss Damage Waiver (LDW). I would read the fine print there. With the CIBC Aeroplan Visa card, you are covered for cars rented for a maximum of 48 days and whose manufacturer’s suggested retail price (MSRP) does not exceed $65,000. That gives you a lot of leeway to try out some really nice rides.

Other CIBC Aeroplan Visa Infinite insurances

You and any authorized user are covered. Just be careful what you buy. If your cell phone, smartphone or tablet’s repair or replacement cost is over $1000, which is the payout per insured person per incident, you have to make up the difference.You are covered for loss, theft, or accidental damage for up to 2 years following purchase. Just keep your receipts because if you didn’t pay for it with your CIBC Aerpolan Visa Infinite Card, you don’t qualify for coverage.

The same goes for ​​most new personal property you purchase with your CIBC Aeroplan Visa Infinite Card. Personal property, so gifts for others are questionable.The items can be replaced or repaired or you can be reimbursed if they are lost, stolen, or damaged within 90 days of purchase. If you opt for Extended Protection Insurance, you can double the period of the original manufacturer’s warranty up to 1 year on most purchases. 

Will the CIBC Aeroplan Visa Infinite save you money?

For me, this is the most important question.The answer always depends on how you use the card. This card makes it very easy to rack up points and pool resources, something we need to do when inflation is high. You earn free travel very quickly with this card. If you pay your balance on time, you won’t incur interest charges. Using the card and keeping your account in good standing means that your points won’t expire. All else being equal, your money does go further given all of the ways you can earn and redeem points. You just have to remember to use your card for all of the eligible purchases and to keep records in case you have to claim insurance. Since this is linked to Aeroplan, you also have to book and fly with Air Canada and its specified carriers. 

Click here to learn more and apply.

CIBC Aeroplan Visa Infinite Rating

Benefits and perks.

• Comprehensive travel insurances
• Earn Air Canada Buddy Passes
• Waived annual fees in certain cases
• Your points never expire
• Free checked baggage for you and up to 8 other people
• Up to 3 extra authorized users
• Earn between 1 and 1.5 points for every dollar spent
• The opportunity to earn double the points
• As the primary card holder, you can sometimes book flight rewards with less points
• Enjoy unique dining events and have access to a concierge all day, everyday
• Get a 6-month Uber Pass
• Access to Pace It, CIBC’s Buy Now, Pay Later (BNPL) program
• Earn 1 Aeroplan point for every $4.00 spent on a CIBC Global Money Transfer. There are no transaction fees and you won’t be charged interest as long as you pay your balance by the payment due date

Stefani Balinsky

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22 Best Credit Cards in Canada for June 2024

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Choosing the best credit card is part art, part science. From student-friendly starter cards to options boasting premium travel rewards, no single credit card is better than all others in all categories — or for everyone. We’ll help you narrow down the search.

• The best credit cards in Canada
• Summary of the best credit cards overall
• Methodology to choose credit cards
• Other types of best credit cards
• Beginners guide to Canadian credit cards

TD® Aeroplan® Visa Infinite* Card

Intro offer details: Earn up to $1,000 in value†, including up to 40,000 Aeroplan points† and additional travel benefits. Account must be approved by September 3, 2024. †Terms and conditions apply.

Our Partners: Best Credit Cards in Canada

Best credit cards in canada.

Best overall cash-back card

Scotia momentum® visa infinite* card.

• SPECIAL OFFER: Earn 10% cash back on all purchases for the first 3 months (up to $2,000 in total purchases). No annual fee in the first year, including on supplementary cards. Offer ends October 31, 2024.
• Earn 4% for every $1 you spend on grocery store purchases, recurring bill payments, and subscription purchases.
• Earn 2% for every $1 you spend on gas purchases and daily transit purchases.
• Earn 1% cash back on all other purchases with no cash back limit.
• Redeem cash back as a statement credit in November.
• Visa Infinite benefits, including Visa Infinite* Concierge, Visa Infinite* Luxury Hotel Collection, Visa Infinite* Dining Series, and entertainment and lifestyle offers.
• Save up to 25% off base rates at participating AVIS locations and at participating Budget locations in Canada and the U.S.
• Access to Scotia SelectPay™.
• To be eligible, $60,000 (individual) or $100,000 (household) annual income is required, or $250,000 minimum assets under management. Also, you must have a Canadian credit file and be a Canadian resident that is the age of majority in the province or territory where you live.
• Terms and Conditions Apply. Click ‘Apply Now’ for complete details.

Cash back is the most flexible of all credit card rewards — it’s simple to earn and even easier to redeem. See our selections for the best cash-back credit cards to find the right option for you.

Best overall travel card

Scotiabank platinum american express® card.

• Earn up to $2,100* in value in your first 14 months, including up to 60,000* bonus Scene+ points. Offer ends October 31, 2024.
• You will not pay 2.5% foreign transaction fees on any foreign currency purchases, including online shopping and when travelling abroad. Only the exchange rate applies.
• Earn 2X Scene+™ points for every $1 CAD you spend on all your eligible purchases.
• Scene+ points can be redeemed for travel purchase, merchandise and other non-travel rewards such as gift cards and prepaid cards.
• You must redeem a minimum of 5,000 points per travel-related rewards redemption, equivalent to $50 in travel savings. Points must be redeemed within 12 months of the purchase date.
• $399 annual fee.
• Redeem points for any flight, any time through Scene+ Travel, a full-service travel agency. Plus, take advantage of a best price guarantee on airfare.
• Get a Hertz #1 Club Gold membership for special privileges and rental car benefits at over 8,500 locations in 147 countries.
• Enjoy culinary events and experiences, entertainment, luxury fashion, tours, and more through American Express benefits, including American Express Invites, Platinum VIP offers and access to 24/7 premium concierge services for restaurant reservations, show tickets, and gift purchases.
• Lounge access at over 600 VIP airport lounges around the world with a complimentary Priority Pass membership, which includes 10 free visits per year.
• 12 types of insurance provided, including 31-day travel medical benefits — up to $2 million in coverage — for you, your spouse and any dependent children under the age of 65. 10-day coverage available for those over the age of 65.
• Preferred rates: 9.99% for purchases, 9.99% for cash advances.
• To be eligible, you must have a Canadian credit file and be a Canadian resident of the age of majority in the province or territory where you live.

A travel rewards credit card brings your next trip a little closer every time you use it. Whether you’re loyal to a specific airline or hotel chain and want a co-branded card, or prefer the flexibility of a general-purpose travel card, check out our choices for the best travel credit cards in Canada .

Best overall secured card

Neo secured credit.

• Build credit history with on-time payments.
• Set your credit limit and get started with as little as $50.
• Guaranteed approval with no credit score needed to apply.
• 0.5% guaranteed monthly minimum cashback.
• No monthly or annual fees.
• Depending on plan (base or premium), customers can earn up to 6% on restaurants and bars, 4% on apps like DoorDash and Disney+, 3% on gas and groceries, and 0.5% on all other purchases.
• Personalized Insights AI generates tailored information and recommendations designed specifically for you.

Whether you want to build your credit or a controlled way to ease into the world of credit card use, secured cards can help. See our selections for the best secured credit cards in Canada .

Best overall points card

Rbc ion+ visa credit card.

• Get 12,000 Avion points upon approval* – that’s $80 of value in gift cards⁺! Apply by November 4, 2024.
• Earn 3X Avion points for every $1 spent¹ on:
• Grocery, Dining & Food Delivery – Satisfy your taste buds by earning points on groceries, dining out, food delivery.ⁱ
• Rides, Gas & EV Charging – Enjoy earning points on gas, rideshare, daily public transit, electric vehicle charging.ⁱⁱ
• Streaming, Digital Gaming & Subscriptions– Stay entertained while earning points on streaming, gaming, eligible digital subscriptions, eligible digital downloads, and in-game purchases.ⁱⁱⁱ
• Earn 1 Avion point for every $1 spent on all other qualifying purchases.¹
• Annual Fee $48² ($4 charged monthly).
• Pay With Points – Redeem your Avion points to pay bills, your credit card balance or even send money to friends with Interac e-Transfer⁴. Minimum redemption is only $10, so you can use your points where you need them most.
• Save at Petro-Canada – Save 3¢/L on fuel and earn 20% more points when you pay with a linked RBC card.⁶
• Earn more Be Well points at Rexall – Earn 50 Be Well points for every $1 spent on eligible purchases at Rexall when you pay with your linked RBC card and scan your Be Well card.⁷
• Save Big on Delivery with DoorDash – Get a 3-month complimentary DashPass subscription – a value of almost $308. Enjoy unlimited deliveries with $0 delivery fees on qualifying orders of $15 or more when you pay with your eligible RBC credit card⁹. See how to save with DoorDash.
• Enjoy a Monthly Fee Rebate – Get a $4 rebate¹⁰ each month ($48/year) on the monthly fee of your credit card when you have an RBC Signature No Limit Banking or RBC Advantage Banking for students account.
• Mobile Device Insurance⁵ Included – Get 2 years of coverage up to $1,000 in the event your mobile device such as your cell phone is lost, stolen, accidentally damaged or experiences mechanical failure when you purchase your mobile device with this credit card.
• Purchase Security and Extended Warranty Insurance⁵ – Automatically protects eligible card purchases against loss, theft or damage within 90 days of purchase, and doubles the manufacturer’s original Canadian warranty by up to one additional year, to a maximum of five years.
• Corresponding legal references and product terms are available on the RBC website, which will be available and agreed upon in the customer onboarding process.

Rewards programs come in all shapes and sizes. Check out our picks for  the best rewards credit cards in Canada  to find the best card for your spending habits.

Best overall rewards card

Simplii financial™ cash back visa card.

• Earn 4% on eligible restaurant, bar and coffee shop purchases up to $5,000 spend per year†.
• Earn 1.5% on eligible gas, groceries, drugstore purchases and pre-authorized payments, up to $15,000 per year†.
• Earn 0.5% on all other credit card purchases with no limit on how much you can earn†.
• For your first 4 months with a Simplii Financial Cash Back Visa* Card, enjoy 10% cash back on eligible restaurants, food delivery and bar purchases. Up to $500 spend †.
• Redeem cash back as a statement credit in December.†
• No annual fee.
• Cash back when you send money abroad with a Simplii Financial Global Money Transfer. No transaction fees and no interest charges.†
• Purchase security and extended protection insurance provided.†
• Interest rates: 20.99% for purchases‡, 22.99% for cash advances‡.
• To be eligible, a $15,000 (individual/household) annual income is required. Also, you must have a Canadian credit file and be a Canadian resident (excluding Quebec) that is the age of majority in the province or territory where you live.
• †Terms and conditions apply. Click ‘Apply Now’ for complete details. This offer is not available for residents of Quebec.
• ‡ “Purchase” means any Transaction other than a Cash Advance, Balance Transfer or Convenience Cheque. “Cash” means a Cash Advance, Balance Transfer and Convenience Cheque. Interest rates may change from time to time.

No single rewards card is right for everyone. It’s all about how you spend money and what kind of rewards you value. See our choices for  the best rewards credit cards in Canada  to select the best option for you.

Best overall prepaid card

Neo money™ card.

• Get high interest on your savings and high cashback when you spend with your Neo Money™ card.
• Earn unlimited cashback – Get an average of 5% cashback at over 10,000 partners across the country, in real-time, with no monthly limits on how much cashback you can earn.
• Instant access to your balance with no card loading required.
• Free everyday transactions and no monthly fees.
• Withdraw from any ATM worldwide.
• 4.00% interest on every dollar.
• Enable the Auto-Save feature to set up automatic savings and register your email to instantly deposit Interac e-Transfer® requests in your Neo Money™ account.
• Take the pain out of bill pay by setting up automated payments from your Neo Money™ account.
• Customers can get up to 4% cashback on all purchases at Shell gas stations and convenience locations when they use their Neo Credit, Neo Secured Credit or Neo Money™ card. Earn 2% cashback at the pump or convenience store locations. Earn 4% cashback on transactions made through the Shell App. Offer available in British Columbia, Alberta, Saskatchewan, Manitoba and Ontario. Boost these offers by 50% when you add Everyday Essentials perks to your card.

There are many different reloadable cards on the market, offering different perks and conveniences. See our selections for Canada’s best prepaid credit cards .

Best overall card for balance transfers

Scotiabank value® visa* card.

• 0% introductory interest rate on Balance Transfers for the first 10 months (12.99% after that; annual fee $29).¹ Plus no annual fee in the first year.¹ Offer ends 31 Oct 2024.
• Save up to hundreds of dollars a year on interest.
• Low interest rate of 12.99%.
• Pay down higher interest rate balances faster.
• Transfer higher rate balances and save even more.
• To be eligible, $12,000 (individual) annual income is required. Also, you must have a Canadian credit file and be a Canadian resident that is the age of majority in the province or territory where you live.

Looking to reduce and contain your credit card debt? Explore our choices for Canada’s best balance transfer credit cards to find promotional offers with impressively-low interest rates.

Best overall business card

American express® business edge™ card.

• Earn up to 67,000 welcome bonus Membership Rewards® points.
• Earn 45,000 Welcome Bonus points when you charge $5,000 in purchases to your Card in your first three months of Cardmembership.
• Plus, earn 10x the points for every $1 spent on eligible business essentials including office supplies & electronics, rides & gas, eats & drinks within 6 months of Cardmembership, up to a maximum of 10,000.
• You can earn an extra 1,000 Membership Rewards points for each monthly billing period in which you spend $3,000 in purchases on your Card. This could add up to 12,000 extra points in a year.
• That’s $670 in statement credits that can be reinvested in your business.
• Earn points that you can redeem in a variety of ways.
• Earn 3x the points for Card purchases on eligible business essentials including office supplies & electronics, rides & gas, eats & drinks when your Welcome Offer ends. Caps and other conditions may apply.
• Earn 1x the points on all other purchases charged to the Card.
• Use points to offset business expenses. Membership Rewards® allows you to offset business expenses by covering the cost of purchases made on your Card, in full or in part. Redeem points for statement credits and to book flights, hotels, and car rentals.
• Transfer points to frequent flyer and hotel programs, including one-to-one to Aeroplan®* and Avios.
• Make the most out of a full suite of business management tools that give you more control over your business – anytime and anywhere.
• Leverage your cash flow with the option of carrying a balance or paying in full each month.
• Employee Card Misuse Protection is a benefit created specifically for business owners and it provides coverage of up to $100,000 per Basic Cardmember in the event an employee misuses their Supplementary Card for unauthorized charges.
• Access coverage that can protect your business purchases when you charge the full price of eligible items to your American Express Business Edge™ Card.
• Protect your eligible purchases against accidental physical damage and theft for up to 90 days with Purchase Protection® Plan.
• Double the manufacturer’s original warranty up to one additional year with Buyer’s Assurance® Protection Plan.
• American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information click the Apply now link. Conditions apply.

From flat-rate rewards on office expenses to credit cards boasting low-interest rates, see our choices for Canada’s best business credit cards .

Best overall student card

Bmo cashback® mastercard®* for students.

• Welcome offer: Get 5% cash back in your first 3 months.*
• Then get 3% cash back on grocery purchases, 1% cash back on recurring bill payments and 0.5% unlimited cash back on all other purchases!*
• Now earn the highest cash back on groceries in Canada without paying an annual fee!†
• Get cash back every time you spend, plus start building a healthy credit history.
• Want to get your cash back ASAP? Now you can redeem your cash back anytime through direct deposit, as a credit on your statement or into your BMO InvestorLine account.*
• No Annual fee.*
• Extended Warranty.*
• Purchase Protection.*
• Receive a discount on car rentals.*
• *Terms and conditions apply.
• †Statement based on a comparison of the non-promotional grocery rewards earn rate on Canadian cash back credit cards as of January 4, 2023.
• BMO is not responsible for maintaining the content on this site. Please click on the Apply now link for the most up to date information.

Finding a student credit card with the right combination of features for your lifestyle can be daunting, especially if it’s your first time choosing a card. Compare our picks for the best student credit cards in Canada to find the best choice for you.

Best overall no-fee card

Tangerine world mastercard®.

• Apply for a Tangerine World Mastercard® by October 31, 2024 and earn an extra 10% back* (up to $100) when you spend up to $1,000 in everyday purchases within your first 2 months.
• Earn 2% Money-Back Rewards on purchases in two 2% Money-Back Categories of your choice, and 0.50% Money-Back Rewards on all other purchases.
• Have your Money-Back Rewards deposited into a Tangerine Savings Account, and get a 3rd 2% Money-Back Category.
• No limit on the amount of Money-Back Rewards you can earn.
• Change your 2% Money-Back Categories to suit your spending.
• With Mastercard Travel Rewards, you can unlock cashback offers and get a rebate applied directly to your statement, by using your Tangerine World Mastercard at select merchants that accept Mastercard while travelling outside of Canada.
• Save on the things you love with your Tangerine World Mastercard. Enjoy special benefits and offers from a growing lineup of on-demand apps and subscription services made available to you as a Tangerine World Mastercard cardholder.
• Make the most of your travel with Mastercard® Travel Pass Provided by DragonPass. Your complimentary membership gives you exclusive dining, retail and spa offers in over 650 airports worldwide, along with access to over 1,300 airport lounges at $32 USD per visit. Learn more at Mastercard® Travel Pass.
• Rental Car Collision/Loss Damage Insurance**: Damage and theft protection for your car rental when you rent for up to 31 consecutive days and charge the full cost of your rental to your Card.
• Mobile Device Insurance**: Protection on new cell phones, smartphones or tablets when you charge the full cost to your Card, or when you purchase it through a plan and charge all of your wireless bill payments to your Card. Covers up to $1,000 if your mobile device is lost, stolen, accidentally damaged or experiences mechanical failure.
• Preferred rates: 19.95% for purchases and cash advances.
• To be eligible, a $50,000 (individual) annual income is required. Also, you must have a Canadian credit file and be a Canadian resident of the age of majority in the province or territory where you live.

You don’t need to pay an annual fee for impressive rewards and perks. See our selections for Canada’s best no-fee credit cards .

Best credit cards for everyday spending

Best grocery credit card

Scotiabank gold american express® card.

• Earn up to $650* in value in the first 12 months, including up to 40,000 bonus Scene+ points. Offer ends July 1, 2024.
• Earn 5X Scene+ points for every $1 CAD spent on eligible grocery stores, restaurants, fast food, and drinking establishments. Includes popular food delivery and food subscriptions.
• Earn 5X Scene+ points for every $1 CAD spent on eligible entertainment purchases. Includes movies, theatre, and ticket agencies.
• Earn 3X Scene+ points for every $1 CAD spent on eligible gas and daily transit. Includes rideshare, buses, taxis, subway, and more.
• Earn 1X Scene+ point for every $1 spent on every other purchase.
• You’ll earn 6X Scene+ points for each $1 CAD charged to your account on all eligible purchases¹ at Sobeys, IGA, Safeway, Foodland, FreshCo, Voilà by Sobeys, Voilà by IGA, Voilà by Safeway, Chalo! FreshCo, Thrifty Foods, IGA West, Les Marchés Tradition, Rachelle Béry and Co-Op.
• Discounted Priority Pass™ membership, which grants you access to over 1200 VIP lounges around the world.
• Score deals on shopping, dining, travel and more with Amex Offers®, and experience special events and discounts with American Express Invites®.
• Access to Amex Front Of The Line® presale and reserved tickets.
• To be eligible, $12,000 (individual) annual income is required. Also, you must have a Canadian credit file and be a Canadian resident of the age of majority in the province or territory where you live.

Best credit card for utilities

Mbna rewards world elite® mastercard®.

• 20,000 bonus points†† (approximately $165 in cash back value) after you make $2,000 or more in eligible purchases within the first 90 days of your account opening.
• 10,000 bonus points††(approximately $80 in cash back value) once enrolled for paperless e-statements within the first 90 days of account opening.
• Earn 5 points‡ for every $1 spent on eligible restaurant, grocery, digital media, membership, and household utility purchases until $50,000 is spent annually in the applicable category. 1 point‡ for every $1 on all other eligible purchases.
• Each year, you will receive Birthday Bonus Points‡ equal to 10% of the total number of Points the Account earned in the 12 months before the month of your birthday, to a maximum Birthday Bonus each year of 15,000 Points.
• Redeem points‡ for cash back, brand-name merchandise, gift cards from participating retailers, charitable donations, and travel.
• Standard Annual Interest Rates of 19.99% on purchases, 22.99% on balance transfers✪, and 24.99% on cash advances.
• Mobile Device Insurance*** With Mobile Device Insurance, you’ve got up to $1,000 in coverage for eligible mobile devices in the event of loss, theft, accidental damage or mechanical breakdown.
• $120 annual fee. $50 Additional Card Annual Fee for one authorized user (if you have one).
• To qualify, your personal annual income must be greater than $80,000, or your household annual income must be $150,000 or greater††††.
• ††, ‡, ✪, ***, ††††, Terms and Conditions apply.
• This offer is not available for residents of Quebec.
• Sponsored advertising. MBNA is a division of The Toronto-Dominion Bank (TD) and TD is not responsible for the contents of this site including any editorials or reviews that may appear on this site. For complete information on this MBNA credit card, please click on the “Apply Now” button.

Best gas credit card

Cibc dividend® visa infinite card.

• 4% on groceries, gas, and electric vehicle charging, and 2% on transportation, dining and recurring payments. Accelerated rates apply to the first $80,000 spent per year.
• 1% on everything else, and after spending $80,000.
• 0.25% cash back for every $1 spent on a CIBC Global Money Transfer, with no foreign transaction fees.
• Redeem a minimum of $25 cash back at any time through CIBC Online and Mobile Banking.
• $120 annual fee.
• Visa Infinite benefits, including Visa Infinite Concierge, Visa Infinite Luxury Hotel Collection, Visa Infinite Dining Series, and entertainment and lifestyle offers.
• Save up to 10 cents per litre at Chevron, Ultramar and Pioneer gas stations when you link your card with Journie Rewards.
• Access to CIBC Pace It.
• Five types of insurance provided, including 10-day out-of-province/out-of-country emergency medical benefits — up to $5 million in coverage.
• Preferred rates: 20.99% for purchases, 22.99% for cash advances.
• To be eligible, $60,000 (individual) or $100,000 (household) annual income is required. Also, you must have a Canadian credit file and be a Canadian resident of the age of majority in the province or territory where you live.

Best restaurant credit card

American express cobalt® card.

• In your first year as a new Cobalt Cardmember, you can earn 1,250 Membership Rewards® points for each monthly billing period in which you spend $750 in net purchases on your Card. This could add up to 15,000 points in a year. That’s up to $150 towards a weekend getaway or concert tickets.
• Earn 5x the points on eligible eats and drinks in Canada, including groceries and food delivery. Spend cap applies.
• Earn 3x the points on eligible streaming subscriptions in Canada.
• Earn 2X the points on eligible ride shares, transit & gas in Canada.
• Earn 1 additional point on eligible hotel and car rental bookings via American Express Travel Online.
• Earn 1X point for every $1 in Card purchases everywhere else.
• Enjoy access to hotel bookings, a room upgrade (when available), 12pm check-in and late check-out (when available), and up to $100 USD hotel credit to use on amenities when charged to the room for a stay of 2 or more consecutive nights through The Hotel Collection from American Express Travel
• Transfer points 1:1 to several frequent flyer and other loyalty programs.
• Cobalt Cardmembers receive regular Perks such as bonus reward offers and access to great events.
• Access Front Of The Line® Presale & Reserved Tickets to some of your favourite concerts and theatre performances and special offers and events curated for Cardmembers with American Express® Experiences.
• *Effective August 15, 2023, Cobalt Cardmembers will earn 5x the points on all eligible eats & drinks charged to their Card up to $2,500 monthly, for the same total of $30,000 annually already in place today. Cardmembers will also continue to earn 3x on streaming subscriptions, 2x on eligible transit, gas & travel purchases and 1x on everything else. T&Cs apply. While the annual earn does not change, the new monthly construct intends to curb gaming activity. The change should have little to no impact on the majority of Cardmembers who utilize the Card and Membership Rewards program as it was intended.
• American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information, click the Apply Now link. If you apply and get approved for an American Express Card, NerdWallet may receive compensation from American Express, which can be in the form of monetary payment.

Best credit cards for travel

Best credit card for airport lounge access

The platinum card® from american express.

• Unlock special experiences with the Platinum Card®.
• Earn up to 100,000 Membership Rewards® points – that’s up to $1,000 towards a weekend away.
• New Platinum® Cardmembers, earn 70,000 Welcome Bonus points after you charge $10,000 in net purchases to your Card in your first 3 months of Cardmembership.
• Plus, earn 30,000 points when you make a purchase between 14 and 17 months of Cardmembership.
• Earn 2 points for every $1 in Card purchases on eligible dining and food delivery in Canada, 2points for every $1 in Card purchases on eligible travel, and 1 point for every $1 in all other Card purchases.
• Access a $200 Annual Travel Credit through American Express Travel Online or Platinum® Card Travel Service.
• Enjoy a $200 Annual Dining Credit at some of Canada’s best restaurants.
• Unlock $200 or more in additional value with Member extras. You can earn statement credits for qualifying purchases with participating brands.
• Take full advantage of The American Express Global Lounge Collection™ which unlocks access to over 1300 airport lounges worldwide. This includes The Centurion® Lounge network, Plaza Premium Lounges, and hundreds of other domestic and international lounges designed to enhance your travel experience.
• Enjoy flexible ways to use your points such as statement credits for any eligible purchase charged to your Card, new travel purchases booked on American Express Travel Online through the Flexible Points Travel Program, and eligible flights through the Fixed Points Travel Program.
• Enjoy complimentary benefits that offer an average value of $600 USD at over 1,500 extraordinary properties worldwide when you book Fine Hotels + Resorts
• Platinum Cardmembers can enjoy access to special events and unique opportunities.
• Enjoy premium benefits at the Toronto Pearson Airport.
• You will also have access to many leading hotel and car rental companies’ loyalty programs. Our partners include Marriott International, Hilton Hotels and Resorts, Hertz and Avis.
• Interest applies in accordance with your Cardmember Agreement, Information Box, and Disclosure statement if the total New Balance is not paid by the Payment Due Date each month. All payments must be received by the Payment Due Date shown on the monthly statement.

Best credit card for travel insurance

American express® gold rewards card.

• Earn up to 60,000 Membership Rewards® points:
• New American Express® Gold Rewards Cardmembers, earn 5,000 Membership Rewards® points for each monthly billing period in which you spend $1,000 in net purchases on your Card.
• This could add up to 60,000 points in a year. That’s up to $600 towards your next vacation.
• Earn 2 points for every $1 in Card purchases for eligible travel purchases, including flights, hotels, car rentals, cruises, and more.
• Earn 2 points for every $1 in Card purchases at eligible gas stations, grocery stores and drugstores in Canada, and 1 point for every $1 in Card purchases everywhere else.
• The Card is now available in your choice of Gold or Rose Gold metal options.
• Receive a $50 CAD statement credit when a NEXUS application or renewal fee is charged to your American Express Gold Rewards Card.
• You have access to an annual $100 CAD Travel Credit, compliments of your American Express Gold Rewards Card. Use the credit once annually towards any single travel booking of $100 or more charged to your Gold Rewards Card through American Express Travel Online.
• As a Gold Rewards Cardmember, you can receive complimentary membership in Priority PassTM – one of the world’s largest independent airport lounge programs. Escape the chaos of airports and relax in an oasis of calm and simply enjoy the fact that the travel experience has begun before your plane has even left the ground. Enrollment is required and entry fees apply.
• Enjoy four (4) complimentary visits per Calendar year to Plaza Premium Lounges across Canada. Entry fees apply once complimentary visits have been used.
• Charge any eligible purchase to your credit Card then log in to redeem your earned points for a statement credit.
• 1 Free Additional Gold Rewards Card (a $50 value) to help you earn points faster.
• Subject to approval. The preferred rate for purchases is 21.99% and funds advances is 21.99%. If you have Missed Payments, the applicable rates for your account will be 25.99% and/or 28.99%. See the information box included with the application for the definition of Missed Payment and which rates apply to charges on your account and other details
• American Express is not responsible for maintaining of monitoring the accuracy of information on this website. For full details and current product information click the Apply now link. Conditions apply.

Best hotel card

Marriott bonvoy® american express®* card.

• New Marriott Bonvoy® American Express®* Cardmembers earn 50,000 Marriott Bonvoy® points after you charge $1,500 in purchases to your Card in your first three months of Cardmembership. Subject to change at any time
• Earn 5 points for every dollar in eligible Card purchases at hotels participating in Marriott Bonvoy®.
• Earn 2 points for every $1 in all other Card purchases.
• Receive an Annual Free Night Award for up to 35,000 points at eligible hotels and resorts worldwide every year after your first anniversary.
• No annual fee on Additional Cards.
• Redeem points for free nights with no blackout dates at over 7,000 of the world’s most desired hotels.
• Automatic Marriott Bonvoy Silver Elite status membership.
• Receive 15 Elite Night Credits each calendar year with your Marriott Bonvoy® American Express®* Card. These can be used towards attaining the next level of Elite status in the Marriott Bonvoy program.
• Enjoy an automatic upgrade to Marriott Bonvoy Gold Elite status when you reach $30,000 in purchases on the Card each year or when you combine 10 qualifying paid nights within one calendar year with the 15 Elite Night Credits from your card.
• American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information, click the Apply Now link. Conditions Apply. If you apply and get approved for an American Express Card, NerdWallet may receive compensation from American Express, which can be in the form of monetary payment.

Best no foreign transaction fee card

Scotiabank passport™ visa infinite* card.

• Earn up to $1,100+ in value in the first 12 months, including up to 35,000 bonus Scene+ points and first year annual fee waived on your first supplementary card. Offer Ends January 3, 2024.
• The only major bank credit card offering you no foreign transaction fees, including for shopping online or abroad.
• Your Award Winning Card For Travel.
• Earn 2 Scene+ points on every $1 you spend on eligible grocery stores, dining, entertainment purchases, and daily transit purchases (including buses, subways, taxis and more).
• Earn 1 Scene+ point on every $1 you spend on all other eligible purchases.
• You’ll earn 3X Scene+ points for each dollar charged to your account on all eligible purchases¹ at Sobeys, IGA, Safeway, Foodland, FreshCo, Voilà by Sobeys, Voilà by IGA, Voilà by Safeway, Chalo! FreshCo, Thrifty Foods, IGA West, Les Marchés TradItIon, Rachelle Béry and Co-Op.
• Airport lounge access through complimentary Visa Airport Companion Program membership, plus six complimentary lounge visits per year from the date of enrollment, providing you with access to 1,200+ airport lounges globally, including participating Plaza Premium Lounges.
• Visa Infinite* benefits including Visa Infinite Concierge, Visa Infinite* Luxury Hotel Collection, Visa Infinite* Dining Series, and Entertainment & Lifestyle Offers.
• To be eligible, $60,000 (individual) or $100,000 (household) annual income is required, or a minimum assets under management of $250,000. Also, you must have a Canadian credit file and be a Canadian resident of the age of majority in the province or territory where you live.

Best starter and newcomer credit cards

Best basic credit card for beginners

American express® green card.

• Get the Card that lets you live in the moment while getting ready for the future.
• The American Express® Green Card lets you go for it with every swipe or tap of your Card.
• 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. That’s $100 towards groceries or concert tickets.
• Earn 1x the points on Card purchases.
• Charge an eligible purchase to your Card and redeem your Membership Rewards points for a statement credit (All eligible purchases: 1,000 points = $10 statement credit).
• With American Express Experiences and Front Of The Line®, American Express Cardmembers get access to amazing events in Canada.

Best credit card for newcomers to Canada

Scotiabank® scene+™ visa* card.

• Earn up to 7,500 bonus Scene+ points within your first 3 months¹
• No annual fee in the first year, including on supplementary cards¹
• Earn 2x Scene+ points¹ on every $1 you spend at Sobeys, Safeway, IGA, Foodland, participating Co-ops, Freshco and more
• Earn 2x Scene+ points¹ for every $1 you spend on Home Hardware, Home Building Center, Home Furniture locations in Canada and online at homehardware.ca
• Earn 2x Scene+ points¹ for every $1 you spend at Cineplex theatres or online at cineplex.com
• Plus earn 1 Scene+ point for every $1 spent on all other eligible everyday purchases
• Rates, fees and other information are effective as of Mar 1, 2024. Subject to change.
• Terms and Conditions Apply. Click ‘Apply Now’ for complete details.

If this card doesn’t seem like a good fit for your wallet, take a look at NerdWallet’s selection of the best newcomer credit cards to help find the right option for you.

Best low interest credit card

Best credit card for bad credit

Home trust secured visa card.

• $59 annual fee.
• No fee option available with a higher interest rate.
• $500 minimum security fund deposit required.
• $10,000 maximum security fund deposit.
• Hard credit checks are made on Home Trust Secured Visa applications.
• Credit activity, including every payment, is reported to TransUnion and Equifax, the two major consumer credit bureaus in Canada.
• Ability to upgrade to an unsecured credit card.
• Manage your account and billing with online banking.
• Cardholders can choose between a card with no annual fee and 19.99% interest or an annual fee of $59 and 14.90% interest.
• Protection against fraud through Visa’s Zero Liability Policy.
• Preferred rates: 14.90% for purchases, 19.80% for cash advances.
• To be eligible, you must have a source of income and cannot currently be in bankruptcy. You must be able to provide security funds and be a Canadian resident of the age of majority in the province or territory where you live. The Home Trust Secured Visa Card is not available to Québec residents.

Best payment network credit cards

Best american express credit card.

American Express knows how to reward cardholders with perks and exclusive experiences. See our selections for the best Amex cards in Canada .

Best Mastercard credit card

Bmo cashback® world elite®* mastercard®*.

• Welcome offer: Get up to 10% cash back in your first 3 months and the $120 annual fee waived in the first year.*
• Earn more cash back on the categories that mean the most: 5% on groceries.* 4% on transit including ride sharing, taxis and public transportation.* 3% on gas and electric vehicle charging.* 2% on recurring bill payments like your monthly phone bill or favourite streaming service.* 1% unlimited cashback on all other purchases.*
• Get the highest cash back earn rate on groceries in Canada.†
• Get valuable benefits and offers for digital everyday services from a variety of on-demand apps and subscription services.
• Extended Warranty Plus.*
• Purchase Protection Plus.*
• Complimentary membership in Mastercard Airport Experiences provided by LoungeKey.*
• Access over 1 million Wi-Fi hotspots around the world – all at no added cost, and no added fees or roaming charges.*
• Complimentary Roadside Assistance Program.*
• BMO CashBack World Elite Travel and Medical Protection.*
• BMO Concierge Service.*
• Unlock Mastercard Travel Rewards cashback offers when you travel and shop outside of Canada.

Best Visa credit card

As the world’s most widely-accepted credit card network, Visa cards are a smart addition to any wallet. See our selections for the best Visa credit cards in Canada .

Summary: Best Credit Cards Overall

Methodology to choose the best credit cards in canada.

NerdWallet Canada selects the best credit cards based on overall consumer value and their suitability for specific kinds of consumers. Factors in our evaluation methodology include annual and other fees, rewards rates, the earning structure (for example, flat-rate rewards versus bonus categories), redemption options, bonus offers for new cardholders, introductory and ongoing APRs, and other noteworthy features such as airline or hotel perks or the ability to transfer points. Charge cards are not included on this list.

Different types of best credit cards

Looking for certain types of credit cards? Check out more of our picks for different categories of best credit cards:

• Best Travel Credit Cards
• Best Cash Back Cards
• Best Rewards Cards
• Best Business Cards
• Best Student Credit Cards
• Best No-Fee Credit Cards
• Best Secured Cards
• Best Cards for Bad Credit
• Best Prepaid Credit Cards
• Best Balancer Transfer
• Best Aeroplan Cards
• Best Metal Credit Cards

Beginner’s guide to credit cards in Canada

A credit card is part of daily life for many Canadians. Using your card to pay for purchases can be more convenient than using cash. Plus, with the best credit cards, you can manage your expenses and earn rewards at the same time.

How credit cards work

Think of credit cards as a short-term loan from your credit card provider. You make purchases with your card and pay for them later.

One thing that makes credit cards appealing is that there’s an interest-free period. As long as you pay for all charged purchases in full by your statement due date, you won’t have to pay interest in exchange for borrowing the issuer’s money for a few weeks.

A typical credit card transaction would look something like this:

• You charge a purchase to your card When making purchases, choose credit as your form of payment. You’ll then tap, insert or swipe your card to initiate the payment. You may also be required to enter your pin number. If you’re making payments online, you’ll need to enter all your card information manually.
• Wait for your purchase to be authorized The payment terminal will contact your credit card company to confirm the purchase amount.
• The merchant gets paid Once approved, your credit card provider sends the merchant the funds. The merchant does pay a small fee to your credit card provider for this service.
• You get your bill and pay Once your bill arrives, it’ll list your transactions, minimum payment requirement and due date. If you only make the minimum payment , you may see some interest charges on your next bill. To avoid this extra cost, pay your bill in full by that date so no interest is charged.

Ideally, you’d be able to pay your bill in full each month, so these interest charges would not apply. If you’re worried about your ability to do so, seek out a low-interest card to reduce your financial risk.

How credit card interest works

Credit card companies charge interest on unpaid balances. You don’t owe any interest when you pay your card’s balance in full. But what happens if you don’t pay off your credit card balance? Let’s take a look.

Say your card has a 19% interest rate — which is pretty standard. You pay $100 to buy a pair of concert tickets for yourself and a friend. But how much interest will those tickets accrue if you don’t pay your credit card balance and your card’s grace period has passed?

Here’s how to calculate credit card interest :

• 19% / 365 = 0.00052
• 0.00052 x $100 = $0.05
• $0.05 x 30 = $1.50

» MORE: Don’t want to crunch the numbers by hand? Figure out how much interest you’d owe with our credit card interest calculator .

How credit card rewards work

With certain credit cards, you can earn rewards when you make a purchase. The type of rewards you earn and your earn rate differ by card, however.

Types of rewards you can earn

The types of rewards you can earn can generally be broken down into four categories:

• Cash back. For every purchase you make, get a set percentage back in cash. The pay-out date for your cash back earned differs depending on the card. It can be monthly, annually or when you reach a minimum threshold.
• Travel benefits. Credit card travel rewards programs let you earn points or miles when you make purchases. You can use your rewards to offset the cost of flights, hotels, car rentals, vacation packages and more.
• General rewards. Most rewards programs offer the option to redeem the points you’ve earned for general merchandise, gift cards, experiences, entertainment, financial rewards, and more.
• Store perks. Many merchants have a co-branded credit card. The points you earn can be used in-store or online at any participating stores. Groceries and merchandise are typical redemption options for store rewards cards.

The earn rate is a critical factor when it comes to getting rewards. Every rewards card has a base earn rate, but some cards also have higher earn rates on certain highly lucrative purchases. Knowing the difference between the two can help you maximize your rewards .

• Base earn rate. You’ll get this for any purchase that doesn’t fall into an increased earn rate category, or after you’ve hit any applicable limits in those categories. For example, you might get 1% cash back or 1 point per dollar spent.
• Accelerated earn rate. Getting extra points on bonus categories that line up with your regular spending is a great way to rack up rewards even faster. For example, some of Canada’s best cash-back credit cards may give you 4% back on groceries or 2% on gas.

The rewards process

Earning rewards can look different depending on the card and issuer, but generally speaking, the process works like this:

• Make a purchase with your credit card. The purchase must be considered eligible by the issuer to earn rewards.
• Your rewards are calculated. Depending on the merchant category and your earn rate, your credit card provider calculates how many rewards you’ve earned. They’ll also factor in any promotions where you’ll earn additional rewards.
• Rewards are deposited into your account. Cash-back rewards may be immediately visible in your account, but you may not be able to cash them out until a certain date or when you hit a certain threshold. If you’re earning travel or store rewards, you’ll either see your points immediately or at the end of the month when your statement posts.
• Redeem your rewards. In most cases, redeeming your rewards requires you to log in to your account. Redeeming cash back may only take a few clicks, but if you’re looking to redeem travel rewards, you may need to go through a travel portal or book the travel first.

Tracking your rewards

In most cases, logging in to your account will allow you to see how many rewards you’ve earned. Most credit card providers show how many points you’ve earned for each transaction as well as a running total, so you’ll know exactly where you stand. Additionally, credit card statements often have a more detailed breakdown of any extra rewards that you may have earned.

Your rewards typically show up when the transaction posts. Bonus rewards earned from special promotions should show up on your monthly statement. It’s also worth mentioning that any special rewards you get, such as a companion voucher, may take longer to appear in your account.

As for your welcome bonus, you usually need to track that on your own. For example, let’s say you need to spend $3,000 in the first three months of card membership to get your intro offer. Although you’ll usually get your bonus immediately after passing the minimum spend requirement, it’s up to you to check if points land after you’ve spent enough.

How to choose the right credit card

With so many credit cards available, narrowing down your choices can be a challenge. When choosing a credit card, there are numerous factors to consider — chief among them: card requirements.

Different cards carry different credit score and income requirements. To ensure you meet the eligibility criteria, learn how to check your credit score. And be mindful of personal or household income requirements, too — you’ll often encounter these criteria with high-tier luxury cards.

Credit card features to compare

Consider the following when deciding which credit card is right for you:

• Annual fee. Decide if you want to pay an annual fee or not . Cards that have an annual fee typically come with better benefits.
• Rewards. The type of rewards you want to earn will quickly help you narrow down your choices.
• Earn rate. Try to choose a card with increased earn rates in the categories where you naturally spend more.
• Welcome bonus. If you’re comparing similar cards, choose the one with a better sign-up offer.
• Additional perks. See if there are any additional benefits you want, such as no foreign transaction fees, travel insurance , extended warranty, etc.

What credit score is needed for a credit card?

Canadian credit card issuers rarely disclose required credit scores , which makes it hard to know your chances of approval when comparing credit cards. However, higher scores generally mean better chances of approval, and that’s true regardless of the type of credit you’re applying for.

Want to learn more? Visit our “ What Credit Score is Needed for a Credit Card? ” page.

What is the best credit score in Canada?

Credit scores in Canada range from 300 to 900. Generally, Canadian credit scores can be organized into the following categories:

• Poor: 300 – 579.
• Fair: 580 – 659.
• Good: 660 – 739.
• Very Good: 740 – 799.
• Excellent: 800+.

How to apply for a credit card

When you apply for a credit card , there’s no guarantee you’ll be approved. The credit card provider needs to assess your financial profile to determine if you’re creditworthy. The application process will typically look something like this:

• Fill out an application. This can be done online or at your financial institution. The application will ask for some basic information, such as your name, date of birth, address, social insurance number, employer and income.
• Your information is checked. The credit card issuer will check your credit history and verify the information that you provided.
• A decision is made. If you apply online, instant approval (or disapproval) is possible, but there’s also a chance the credit card issuer will ask you to contact them to provide additional information.
• Your card is mailed out. Your credit card will immediately be mailed out and will typically arrive within 14 business days.
• Activate your card. Once your card arrives, you’ll need to activate it by logging into your account or calling the number on your card. Once activated, you can use your card to make purchases.

How many credit cards should I have?

The number of credit cards that’s right for you will depend on your spending habits, credit score and personal preferences.

There are benefits and drawbacks to carrying two or more credit cards. A few things to keep in mind:

• Applying for a new Canadian credit card requires a hard credit check , which will likely drop your credit score by a few points.
• Holding more than one credit card may improve your credit score if you use your cards responsibly.
• Carrying more than one card means you’ll have access to multiple credit sources, which could lead to an increased risk of debt.

Types of credit cards in Canada

A wide variety of credit cards are available in Canada, and each can be used as a tool to achieve various financial goals. People who always pay their bills on time may want a rewards credit card, whereas someone looking to rebuild their credit may prefer a secured credit card. Since your personal situation could change at any time, it’s a good idea to understand how the different types of credit cards work.

Rewards credit cards: Best for earning points and cash-back rewards

Rewards credit cards can be broken down into the following categories:

• Cash back. You’ll get cash back on every purchase you make. See our picks for the best cash back credit cards in Canada .
• General rewards. The points you earn can be used for gift cards, merchandise, experiences and sometimes travel. See our picks for the best general rewards credit cards in Canada .
• General travel. The points you earn can be used for any type of travel redemption. See our picks for the best travel credit cards in Canada .
• Airline rewards. Co-branded airline rewards can be used on a specific airline and its partners.
• Hotel rewards. Points earned through hotel credit cards can be used at any participating property.
• Store rewards. Use the points you’ve earned for groceries, merchandise and more.

No-fee credit cards: Best for rewards on a budget

No-fee credit cards come with no annual fee. They can be any type of credit card, but often feature rewards or a low interest rate. Some no-fee cards are geared towards students and have easier requirements.

Balance transfer credit cards: Best for paying down credit card debt

Balance transfer credit cards typically come with a low introductory interest rate. Because of this, you can use them to move your balance from a credit card with a high rate to one with a lower rate, allowing you to pay down debt faster.

Low-interest credit cards: Best for cardholders who typically carry a balance

Low-interest credit cards often have an interest rate of between 9% – 13%. This is significantly lower than standard interest rates, so low-interest credit cards can be helpful for people who may carry a balance.

Student credit cards: Best for anyone seeking accessible credit

Student credit cards typically have more relaxed qualification requirements and often charge no annual fee. They’re a good choice for students who may be looking to build their credit or establish good spending habits.

Secured credit cards: Best for building credit

If you’re unable to qualify for an unsecured credit card, you might be able to get one of the best secured credit cards . These cards require you to deposit security funds that act as your credit card limit. As you make your payments regularly, using a secured credit card can build your credit score .

Black credit cards: Best for luxurious perks

Despite the name, what unites black credit cards isn’t colour; it’s exclusivity. Black cards are deluxe credit cards — the crème de la crème — typically available by invitation only to high earners and splashy spenders. The eligibility criteria for a black credit card differs by card provider, but typically, applicants need an excellent credit score and a personal income of at least six figures annually.

Aeroplan credit cards: Best for Air Canada patrons

Millions of Canadians are members of Aeroplan, the loyalty program associated with Air Canada. There are several ways to become an Aeroplan member, but the easiest is carrying an Aeroplan personal or business credit card. The best Aeroplan credit cards make it easy to earn points that can be used for special perks and benefits. Armed with one of these travel cards, your trip may be more enjoyable and affordable than ever.

Air Miles credit cards: Best for travellers seeking flexible redemption options

The Air Miles program launched in 1992 and remains one of Canada’s most popular rewards programs. Air Miles collectors can redeem Dream and Cash Miles for various items, including airfare, cash rewards, merchandise and more. The best Air Miles credit cards earn rewards on every eligible dollar spent and come with attractive perks, like airport lounge access and robust travel insurance.    

Business credit cards: Best for business owners

Business credit cards typically offer accelerated rewards rates on business spending. Merchants may also appreciate common business credit card perks, like higher credit limits and supplementary cards for employee use.

Prepaid credit cards: Best for anyone with a low credit score or no credit history

Prepaid credit cards are like debit cards: cardholders can only spend up to the amount they’ve deposited to the card. Prepaid cards don’t charge interest because cardholders don’t borrow money — they spend their own funds. Prepaid credit card activity isn’t reported to Canadian credit bureaus, so using one won’t impact your credit score.

Types of credit card interest rates

Credit cards typically have more than one interest rate. Take a closer look at your card’s terms and conditions, and you may notice as many as four different credit card interest rates:

• Purchase interest rate. The purchase interest rate is the rate you pay on overdue balances from everyday spending. In Canada, most cards have a purchase interest rate of about 20%.  
• Cash-advance interest rate. You’ll pay your credit card’s cash advance interest rate on any money you withdraw from an ATM — also called a cash advance . Cash advance interest rates also apply to lottery ticket purchases, gambling site transactions and wire transfers.
• Balance-transfer interest rate. Balances transferred from one credit card to another are subject to balance transfer interest rates.
• Penalty interest rate. Missing multiple credit card payments may result in a penalty interest rate that’s much higher than the purchase rate. For a set period, you’ll pay a penalty interest rate instead of your card’s purchase interest rate on everyday transactions.

Pros and cons of credit cards

Credit cards are a convenient payment option, but there are some drawbacks to consider.  

• Convenient and secure payment method.
• May earn rewards.
• May offer insurance coverage.
• Builds credit when used responsibly.
• A more expensive form of borrowing than a personal loan or line of credit.
• May lead to debt. 
• Harms credit when used irresponsibly.

Tips for maximizing your credit card rewards

Get the most out of your credit card rewards with the following tips:

• Know how to earn points. Not all purchases may be treated equally — at least not in the eyes of your card issuer. Some purchases may earn you more points than others, so familiarize yourself with your card’s rewards program.
• Explore redemption options. Card rewards range from travel perks to cold hard cash. If you’re card shopping, take a look at the reward options before signing up.
• Capitalize on limited-time promotions. Keep an ear out for time-sensitive promotional periods when your points may be worth more.
• Watch out for expiration dates. Some points expire after a prolonged period of card inactivity, so keep your card in good standing to maintain your point balance.

What credit cards are the most accepted in Canada?

Mastercard and Visa credit cards are the most accepted cards in Canada, although one major retailer doesn’t take Visa: Costco.

If you carry an American Express card, you may want a backup form of payment — it may be less frequently accepted in Canada.

What’s better, a Mastercard or Visa?

It’s hard to declare a winner between Mastercard and Visa because these payment giants are credit card networks — not credit card issuers. Mastercard and Visa are among the most popular and well-established credit card processing networks in the world and share a lot in common. They’re both widely accepted and process billions of transaction dollars annually.

Mastercard and Visa predominantly work behind the scenes. They partner with card issuers, like banks and credit unions, to offer cards to the public. Eligibility requirements, rewards, and signup bonuses are all determined by card issuers.

Credit card companies in Canada

Here are some widely known credit card issuers in Canada, along with their networks and notable cards. Credit card issuers are companies that lend money and provide credit cards. These issuers belong to credit card networks , which maintain the infrastructure that makes credit card transactions possible.

Can Americans get a Canadian credit card?

Yes. Several Canadian banks offer non-resident and newcomer credit cards, including RBC, Scotiabank, TD, and more. These card programs are designed for newcomers and temporary residents and typically don’t require a credit check.

US citizens can also explore secured or prepaid credit card options. These Canadian credit cards require cash deposits before they can be used and can be a practical option for those paying a visit to the Great White North.

About the Author

Shannon Terrell is a lead writer and spokesperson for NerdWallet, where she writes about credit cards and personal finance. Previously, she was a writer, editor and video host for financial…

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RBC Avion Visa Infinite Review 2024: A Flexible Travel Credit Card With No Blackout Dates

Updated: May 22, 2024, 5:26pm

Fact Checked

This is a straightforward credit card with a flexible travel rewards redemption schedule, especially since you can use Avion points for travel with any airline around the world with no blackout dates. However, given the high income requirements and annual fee, the base earn rate is low, the only accelerated earn rate is for travel purchases, and the other benefits and features are limited to certain kinds of travel insurance.

• Earn points on every dollar spent
• Earn 1.25 points for every dollar spent on eligible travel purchases
• No blackouts or seat restrictions when using points for flights
• High annual fee
• Requires a minimum personal income of $60,000  or a minimum household income of $100,000.
• Imposes higher acceptance cost on merchants, so might not be accepted at their discretion.

Table of Contents

Introduction, quick facts, rbc avion visa infinite rewards, rbc avion visa infinite benefits, how the rbc avion visa infinite stacks up, methodology, is the rbc avion visa infinite right for you.

• Get 35,000 welcome Avion points on approval**—enough to fly anywhere in Canada & the U.S† (Alaska and Hawaii require more points)
• Earn 1 Avion point for every dollar you spend* and an extra 25% on eligible travel purchases.
• Avioners can book flights with points on any airline, on any flight, at any time, early or last minute, with no blackout periods or restrictions.
• Avioners earn points that never expire so your points will be waiting for your next adventure.
• Redeem your points for travel and more. Use points for anything from paying bills and paying your card balance to redeeming gift cards and aerchandise at top brands like Apple. The Avion Rewards program gives you the freedom to use your points your way and helps you make the most of your time as an Avioner.
• Eligible Avion Rewards members can also convert points to other loyalty programs, including WestJet dollars, British Airways Avios points and Hudson’s Bay Rewards points.
• Link your RBC card with a Petro-Points membership to instantly save 3₵ per litre on fuel at Petro-Canada stations and earn 20% more Petro-Points and 20% more Avion points
• Link your RBC card with a Rexall Be Well account and get 50 Be Well points for every $1 spent on eligible products at Rexall. Redeem Be Well points faster for savings in-store on eligible purchases where 25,000 Be Well points = $10
• Get access to RBC offers, which provides access to earn points faster at specified brands
• Extensive insurance, including mobile device insurance, travel insurance (trip cancellation, interruption and emergency medical) and other eligible purchases to protect you and your family
• Avioners get access to luxury Visa Infinite benefits, including first-in-line access to exclusive events and hotel and dining benefits.
• Avioners no longer need 14-days to book travel using the RBC grid
• Get a 12-month complimentary DashPass subscription± – a value of almost $120
• Enjoy unlimited deliveries with $0 delivery fees on orders of $15 or more when you pay with your eligible RBC credit card
• Get a 12-month complimentary DashPass subscription18 – a value of almost $120

Apply for the RBC Avion Visa Infinite Card — A flexible travel card with no blackout dates

On RBC’s Website

The RBC Avion Visa Infinite card is pretty basic in the grand scope of the Canadian travel credit card landscape. The regular earn rate is low (at 1 point for every dollar spent), and the only accelerated category is eligible travel, which earns you 25% more. Perks and benefits are also limited to a few types of travel insurance. Considering the annual fee is $120 and you need a minimum personal income of $60,000 to qualify, the RBC Avion Visa Infinite is lacking compared to other travel credit cards at this price point.

That being said, it’s not a bad card. The flight redemption schedule offers some pretty decent deals. Plus, you can use Avion points for any airline worldwide without blackouts or seat restrictions.

• Earn Avion points on every purchase at a rate of 1 point per dollar spent and 1.25 points per dollar spent on eligible travel.
• Points do not expire and can be redeemed towards travel with any airline with no blackout periods or seat restrictions.
• Cardholders can benefit from increased rewards when they link their card to participating programs at Petro-Canada and Rexall.

Earning rewards

Cardholders will earn Avion points when they spend with this card. Here’s how:

• Welcome bonus of 35,000 welcome Avion points on approval
• Earn 1 Avion point per dollar on all eligible purchases, plus an extra 25% on eligible travel-related purchases

There are no accelerated categories aside from travel. However, there are no earning caps or limits on how many points you can earn with this credit card.

Redeeming Rewards

Avion points can be redeemed online at avionrewards.com or via the RBC Avion app. You can redeem your Avion points toward:

• Travel: Avion points will have the best value when redeemed towards flights with the RBC Avion redemption schedule (a rate of $0.02-$0.0233). You can also redeem them through the RBC travel portal at a rate of $0.01 per point.
• Point Transfers: You can transfer Avion points to Westjet, British Airways and American Airlines.
• Gift Cards: You can redeem your Avion points for gift cards.
• Merchandise: You can redeem your Avion points for merchandise.
• Statements Credits: You can use your points toward your credit card statement.
• Charity Donations: You can use your points to donate to charity.

Rewards Potential

While the flexible redemption schedule for RBC Avion points is great, the earn rates and rewards potential are lacking compared to similar credit cards with high accelerated rates and a strong earning schedule. This means earning points with the RBC Avion Visa Infinite will be slower. That being said, cardholders can still come out ahead. Based on average Canadian spending, Forbes Advisor estimates this card could earn $178.72 in rewards value per year after the annual fee.

Travel Insurance

• Emergency Medical: Coverage for 15 days if you are under 65 or for the first three days if you are 65 or older.
• Travel Accident: Coverage up to $500,000.
• Trip Cancellation: Coverage up to $1,500 per person per trip (overall maximum of $5,000).
• Trip Interruption: Coverage up to $5,000 per person per trip (maximum of $25,000).
• Flight Delay: Coverage up to $250 per covered person (maximum of $500 per occurrence).
• Delayed Baggage: Coverage up to $500 per covered person (maximum of $2,500 per occurrence).
• Hotel/Motel Burglary: Coverage up to $2,500 per occurrence.
• Auto Rental Collision/Loss Damage Waiver Insurance: Coverage for 48 consecutive days on vehicles under $65,000 MSRP.

Consumer Insurance

• Purchase Protection: Coverage for 90 days.
• Extended Warranty: Double the manufacturer’s warranty for up to a year.
• Mobile Device Insurance: Coverage up to $1,500.

Partner Benefits

• Petro Canada: Link your Petro-Points card to save $0.03 per litre on gas and earn 20% more Petro-Points.
• Rexall: Get 50 BeWell for every dollar spent on eligible purchases at Rexall when you link your card.
• DoorDash: Get a complimentary DashPass subscription for up to 12 months.
• The Friday Friend Pass: Buy one Friday lift pass with your card at participating resorts across Canada and get a free lift pass.

Visa Infinite Benefits

• Visa Infinite Luxury Hotel Collection: Enjoy perks like room upgrades, complimentary WiFi, and late checkout at properties worldwide.
• Dining & Wine Country : Get access to culinary experiences at the best restaurants in Canada.
• Complimentary Concierge: Get a complimentary concierge service.

Interest Rates

• Regular APR: 20.99%
• Cash Advance:  22.99%
• Balance Transfer: 22.99%
• Foreign Transaction Fee: 2.5%
• Balance Transfer Fee: 3% of the transaction amount
• Annual Fee: $120
• Any Other Fees: additional card: $50, dishonoured payment: $45, overlimit fee: $29 (does not apply in Quebec)

RBC Avion Visa Infinite vs. TD® Aeroplan® Visa Platinum* Card

The TD® Aeroplan® Visa Platinum* Card has an $89 annual fee and earns rewards at a rate of 1 point per dollar spent. While there are no accelerated categories, Aeroplan members can double dip and earn double the points at participating retailers. This card also comes with comprehensive insurance plus the Aeroplan program, one of the top rewards programs in Canada. With similar structures, the TD Aeroplan Visa Platinum Card is likely a better pick since it does have a lower annual rate.

RBC Avion Visa Infinite vs. PC World Elite Mastercard

The PC World Elite Mastercard is a no-annual-fee credit card aimed at individuals who are more interested in earning free  groceries than redeeming points for travel or shopping rewards. Cardholders earn 30 to 45 points per dollar spent at participating PC Optimum rewards brands and 10 points per dollar spent elsewhere. While the PC World Elite Mastercard does come with travel insurance, it’s not a travel card. If you are in the market for a card where the rewards are best for travel, then the RBC Avion Visa Infinite is the better pick.

RBC Avion Visa Infinite vs. CIBC Aeroplan Visa Infinite Card

Another Aeroplan card to compare is the CIBC Aeroplan Visa Infinite Card. At $139 per year, it’s a little pricier than the RBC Avion Visa Infinite card, however, it also has higher earn rates of 1.5 points per dollar spent on gas, groceries, Air Canada travel and electric vehicle charging. All other purchases earn 1 point per dollar spent. Since it is an Aeroplan card, you can double dip with Aeroplan partners, earning points even faster. It is a bit more expensive, but the earning and rewards potential is much higher, meaning it is more lucrative as a travel credit card.

When determining a rating for individual credit cards, the Forbes Advisor Canada editorial team factors in an exhaustive list of data points. With rewards, the scoring model used considers factors such as, but not limited to, reward rates and categories, fees, welcome bonuses, and other benefits and features. Keep in mind that what may be best for some people might not be right for you. Conduct informed research before deciding which cards will best help you achieve your financial goals.

The RBC Avion Visa Infinite card is attractive because you can earn points across all purchases and the redemption schedule for flights is incredibly flexible. That said, it will be slow to earn points with the majority of purchases at the lower earning rates for this credit card. Plus, perks and benefits outside of travel insurance are lacking. If you are a frequent traveller and are really looking to get into maximizing points and rewards, it may not be the best option for you.

Related : Rounded up the best credit cards

Frequently Asked Questions (FAQs)

What are the benefits of rbc avion visa infinite.

The RBC Avion Visa Infinite allows you to earn points on all purchases without having to worry about a spending cap. Points can be redeemed for merchandise, gift cards, travel and more, with travel being the most lucrative option.

What is the minimum income for RBC Avion Visa Infinite?

Eligible candidates must have a minimum personal income of $60,000 or a household income of $100,000 to qualify for this credit card.

Does RBC Avion Visa Infinite have lounge access?

No, the RBC Avion Visa Infinite credit card does not offer cardholders any type of lounge access.

Hannah Logan is a Canadian freelancer writer and blogger who specializes in personal finance and travel. You can follow her adventures on her travel blog EatSleepBreatheTravel.com or find her on Instagram @hannahlogan21.

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