Best Travel Credit Cards in Canada | Un Accro du Rabais

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Best Cards 1st Yr Free Airline Bad Credit Balance Transfer Business Cash Back Groceries

Best for: 1st Yr Fee Rebate

BMO VIPorter World Elite Mastercard

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BMO VIPorter World Elite Mastercard

BMO Mastercard Porter VIPorter

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5.0Ratesopedia rating

The BMO VIPorter World Elite Mastercard offers a first year annual fee rebate (regular fee $199/yr). It comes with a welcome bonus of 70,000 points. You earn 2x on groceries and 2x at restaurants. Estimated first-year value is $1,644.

1st Yr Fee Rebate

Annual Fee: $199 $0
Rewards rate: 1x
Welcome Bonus: 70,000 points
1st Year Value: $1,644

Pros

First Year Annual Fee Rebate
Welcome bonus of 70,000 points
2x on groceries
2x at restaurants

Cons

High annual fee ($199)
Requires good credit

Best for: Travel rewards

CIBC Aventura Visa Card for Business

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CIBC Aventura Visa Card for Business

CIBC Visa CIBC Aventura

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5.0Ratesopedia rating

The CIBC Aventura Visa Card for Business offers a first year annual fee rebate (regular fee $180/yr). It comes with a welcome bonus of 75,000 points. You earn 1x on groceries and 1x at restaurants. Estimated first-year value is $1,198.

1st Yr Fee Rebate

Annual Fee: $180 $0
Rewards rate: 1x
Welcome Bonus: 75,000 points
1st Year Value: $1,198

Pros

First Year Annual Fee Rebate
Welcome bonus of 75,000 points
Estimated 1st-year value of $1,198

Cons

High annual fee ($180)
Requires good credit

Best for: Travel rewards

Marriott Bonvoy Business American Express Card

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SponsoredMarriott Bonvoy Business American Express Card

Amex Amex Marriott Bonvoy

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5.0Ratesopedia rating

It comes with a welcome bonus of 80,000 points. You earn 2x on groceries and 3x at restaurants. Estimated first-year value is $1,067.

Best of Month

Annual Fee: $150
Rewards rate: 2x
Welcome Bonus: 80,000 points
1st Year Value: $1,067

Pros

Welcome bonus of 80,000 points
2x on groceries
3x at restaurants
Estimated 1st-year value of $1,067

Cons

Fewer premium perks

Best for: Overall value

Cathay World Elite Mastercard – powered by Neo

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Cathay World Elite Mastercard – powered by Neo

Neo Mastercard Cathay Asia Miles

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4.5Ratesopedia rating

It comes with a welcome bonus of 60,000 miles. You earn 1x on groceries and 1x at restaurants. Estimated first-year value is $930.

Best of Month

Annual Fee: $180
Rewards rate: 1x
Welcome Bonus: 60,000 miles
1st Year Value: $930

Pros

Welcome bonus of 60,000 miles
Estimated 1st-year value of $930

Cons

High annual fee ($180)
Requires good credit

Best for: Travel rewards

Marriott Bonvoy American Express Card

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SponsoredMarriott Bonvoy American Express Card

Amex Amex Marriott Bonvoy

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4.5Ratesopedia rating

It comes with a welcome bonus of 70,000 points. You earn 2x on groceries and 2x at restaurants. Estimated first-year value is $912.

Best of Month

Annual Fee: $120
Rewards rate: 2x
Welcome Bonus: 70,000 points
1st Year Value: $912

Pros

Welcome bonus of 70,000 points
2x on groceries
2x at restaurants
Estimated 1st-year value of $912

Cons

Fewer premium perks

Best for: 1st Yr Fee Rebate

BMO VIPorter Mastercard

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BMO VIPorter Mastercard

BMO Mastercard Porter VIPorter

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4.3Ratesopedia rating

The BMO VIPorter Mastercard offers a first year annual fee rebate (regular fee $89/yr). It comes with a welcome bonus of 40,000 points. You earn 1x on groceries and 1x at restaurants. Estimated first-year value is $897.

1st Yr Fee Rebate

Annual Fee: $89 $0
Rewards rate: 0.5x
Welcome Bonus: 40,000 points
1st Year Value: $897

Pros

First Year Annual Fee Rebate
Welcome bonus of 40,000 points
Estimated 1st-year value of $897

Cons

Fewer premium perks

Best for: Travel rewards

CIBC Aventura Gold Visa Card

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CIBC Aventura Gold Visa Card

CIBC Visa CIBC Aventura

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4.3Ratesopedia rating

The CIBC Aventura Gold Visa Card offers a first year annual fee rebate (regular fee $139/yr). It comes with a welcome bonus of 45,000 points. You earn 1.5x on groceries and 1x at restaurants. Estimated first-year value is $891.

Best of Month1st Yr Fee Rebate

Annual Fee: $139 $0
Rewards rate: 1x
Welcome Bonus: 45,000 points
1st Year Value: $891

Pros

First Year Annual Fee Rebate
Welcome bonus of 45,000 points
Estimated 1st-year value of $891

Cons

Requires good credit

Best for: Travel rewards

CIBC Aventura Visa Infinite Card

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CIBC Aventura Visa Infinite Card

CIBC Visa CIBC Aventura

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4.3Ratesopedia rating

The CIBC Aventura Visa Infinite Card offers a first year annual fee rebate (regular fee $139/yr). It comes with a welcome bonus of 45,000 points. You earn 1.5x on groceries and 1x at restaurants. Estimated first-year value is $891.

Best of Month1st Yr Fee Rebate

Annual Fee: $139 $0
Rewards rate: 1x
Welcome Bonus: 45,000 points
1st Year Value: $891

Pros

First Year Annual Fee Rebate
Welcome bonus of 45,000 points
Estimated 1st-year value of $891

Cons

Requires good credit

Best for: Travel rewards

CIBC Aventura Visa Infinite Privilege card

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CIBC Aventura Visa Infinite Privilege card

CIBC Visa CIBC Aventura

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4.3Ratesopedia rating

It comes with a welcome bonus of 80,000 points. You earn 1.25x on groceries and 1.25x at restaurants. Estimated first-year value is $796.

Annual Fee: $499
Rewards rate: 1.25x
Welcome Bonus: 80,000 points
1st Year Value: $796

Pros

Welcome bonus of 80,000 points
Estimated 1st-year value of $796

Cons

High annual fee ($499)
Requires good credit

Best for: 1st Yr Fee Rebate

Air France KLM World Elite Mastercard

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Air France KLM World Elite Mastercard

BrimMastercard Flying Blue

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3.6Ratesopedia rating

The Air France KLM World Elite Mastercard offers a first year annual fee rebate (regular fee $132/yr). You earn 1x on groceries and 2x at restaurants. Estimated first-year value is $388.

1st Yr Fee Rebate

Annual Fee: $132 $0
Rewards rate: 1x
Welcome Bonus: —
1st Year Value: $388

Pros

First Year Annual Fee Rebate
2x at restaurants
Estimated 1st-year value of $388

Cons

No welcome bonus
Requires good credit

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Complete Guide

Best Travel Credit Cards in Canada

Earn points for flights, hotels, and experiences. Compare travel rewards, airport lounge access, and travel insurance benefits.

Travel credit cards earn points that can be redeemed for flights, hotels, car rentals, and experiences. The best travel cards offer 2–5x the value per point compared to cash back, making them ideal for frequent travellers.

Fixed vs Flexible Points

Some cards earn points in a specific airline program (Aeroplan, WestJet), while others earn flexible points (Amex MR, CIBC Aventura) transferable to multiple programs. Flexible points offer more redemption options.

Travel Insurance

Premium travel cards include trip cancellation, medical insurance, baggage coverage, and flight delay protection — potentially saving you hundreds on separate travel insurance policies.

13

Cards analyzed

Jun 2026

Last updated

100%

Independent

Methodology

Our team evaluates credit cards based on overall consumer value: rewards earning rates, annual fees, welcome bonuses, insurance coverage, and additional perks. Cards are ranked by estimated first-year value. We update our picks monthly.

📊Real data

🔄Updated regularly

⚖️Unbiased review

🎯Transparent criteria

FAQ

Frequently Asked Questions

1What's the best travel credit card in Canada?

The American Express Cobalt is consistently rated #1 for its 5x points on food/drink and flexible transfer partners. For Aeroplan specifically, the TD Aeroplan Visa Infinite is excellent.

2Do I need to pay an annual fee for a good travel card?

Generally yes. The best travel cards ($120–$800/yr) offer welcome bonuses, insurance, and earn rates that far exceed the fee. First-year fee waivers are common.

3Which loyalty program is best in Canada?

Aeroplan (Air Canada) has the best airline coverage. Amex Membership Rewards offers the most flexibility with transfer partners. Scene+ is best for everyday rewards.

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