Best Travel Credit Cards in Canada for March 2026

Scotiabank Passport Visa Infinite Card

Best overall travel card

5.0/5

5.0

NerdWallet rating

Scotiabank Passport® Visa Infinite* Card

Annual fee$150

Intro offerUp to 60,000 Points

Rewards rate1x-3x Points

APPLY NOW

on Scotiabank's website

View details

Rewards breakdown

3x

Points on every $1 you spend at Sobeys, Safeway, IGA, Foodland and participating Co-ops and more.

2x

Points for every $1 you spend on other eligible grocery stores, dining purchases, entertainment purchases, and eligible daily transit options (including rideshares, buses, subways, taxis and more).

1x

Point for every $1 spent on all other eligible everyday purchases.

NerdWallet's take

A competitive travel card that earns up to 3x Scene+ points on everyday purchases, and comes with six complimentary airport lounge visits and no foreign transaction fees. While you can earn accelerated points (3x) on travel purchases, they must be made through the Scene+ Travel platform, which may feel limiting for some users. Best for: Frequent travellers who shop regularly at Scene+ partner grocery stores, spend big abroad and are looking for airport lounge access.

Pros

• Free airport lounge membership and six free visits per year.
• No foreign transaction fees.
• Free Avis Preferred Plus membership.

Cons

• An above-average $150 annual fee for a travel card.
• Top earn rate (3x on groceries) only applies to Sobeys and its subsidiary stores.
• Must book through Scene+ Travel platform to earn 3x points on travel.

Card details

• Earn up to $1,500 in first year welcome offers, rewards and savings, including up to 60,000 bonus Scene+ points¹
• Earn 3x Scene+ points¹ on every $1 you spend at Sobeys, Safeway, IGA, Foodland and participating Co-ops and more.
• Earn 2x Scene+ points¹ for every $1 you spend on other eligible grocery stores, dining, eligible entertainment purchases and eligible daily transit options (including rideshares, buses, subways, taxis and more).
• Plus earn 1 Scene+ point for every $1 spent on all other eligible everyday purchases.
• Earn additional benefits + up to 4X Scene+ points for every dollar you spend on hotel bookings, car rentals, and things to do with Scene+ Travel, Powered by Expedia.
• No Foreign Transaction Fee.
• 6 Complimentary Airport Lounge Access.
• Comprehensive Travel Insurance coverage.
• Visa Infinite* Concierge Services.
• Visa Infinite* Hotel Collection.
• Visa Infinite* Dining and Wine Country program.
• Rates, fees and other information are effective as of Jan 2, 2026. Subject to change.
• *See Card Provider's website and Card Application for complete card details, terms and current offers. Reasonable efforts are made to maintain accuracy of information.

The Scotiabank Passport® Visa Infinite* Card is a well-rounded travel option that ticks a lot of boxes: up to 3x Scene+ points on popular spending categories, waived FX fees, robust insurance, and six free airport lounge passes annually. While it isn’t free to carry (be ready to shell out $150 annually), the Scotiabank Passport Visa Infinite Card offers exceptional value for its cost.

Marriott Bonvoy American Express Card

Our pick for: Hotel rewards

3.9/5

3.9

NerdWallet rating

Marriott Bonvoy® American Express®* Card

Annual fee$120

Intro offerUp to 110,000 Points

Rewards rate2x-5x Points

APPLY NOW

on American Express' website

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Rewards breakdown

5x

Points for every dollar in eligible Card purchases at hotels participating in Marriott Bonvoy®.

2x

Points for every $1 in all other Card purchases.*

NerdWallet's take

The Marriott Bonvoy American Express Card helps travellers earn free stays and experiences at some of the world’s ritziest hotels, restaurants and spas. But if you’re not a frequent hotel guest, there’s little reason to get this card. Best for: Marriott Bonvoy loyalists who spend big on hotels.

Pros

• High 2x base rate on all purchases.
• Full suite of travel insurance.
• Ability to convert points to other popular frequent flyer programs.

Cons

• Top 5x earn rate only applies to Marriott Bonvoy purchases.

Card details

• Earn up to 110,000 bonus Marriott Bonvoy® points
• New Marriott Bonvoy® American Express®* Cardmembers can earn up to 110,000 bonus Marriott Bonvoy® Points– Earn 80,000 points after you spend $6,000 on your Card in your first 6 months of Cardmembership. Plus, earn 30,000 points when you make a purchase in your 15th month of Cardmembership. Offer ends April 7, 2026.
• Apply with confidence! See if you’ll be approved before you apply – with no impact to your credit score.*
• *Instant decisions are only available for Consumer (also known as Personal) Card applications.
• 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.

Hotel enthusiasts are sure to appreciate the Marriott Bonvoy® American Express®* Card, with up to 5x Marriott Bonvoy points on eligible purchases that can be cashed in for hotel stays, flights, cruises and more. Plus, get automatic Marriott Bonvoy Silver Elite status, travel insurance and one free night at a Marriott Bonvoy property annually.

Scotiabank Gold American Express Card

Our pick for: No foreign transaction fees

5.0/5

5.0

NerdWallet rating

Scotiabank Gold American Express® Card

Annual fee$120

Intro offerUp to 45,000 Points

Rewards rate1x-6x Points

APPLY NOW

on Scotiabank's website

View details

Rewards breakdown

6x

Points on every $1 you spend at Sobeys, Safeway, Freshco, Foodland and more.

5x

Points for every $1 you spend on dining & food delivery. Includes popular food delivery and food subscriptions.

5x

Points for every $1 you spend at other eligible grocery stores.

5x

Points for every $1 you spend in Canada on eligible entertainment purchases. Includes movies, theatre and ticket agencies stores.

3x

Points for every $1 CAD you spend in Canada on eligible gas purchases.

3x

Points for every $1 CAD you spend in Canada on eligible daily transit options. Includes rideshares, buses, subway, taxis and more.

3x

Points for every $1 CAD you spend in Canada on eligible select streaming services.

1x

Point for every $1 spent on all other eligible everyday purchases.

NerdWallet's take

A well-rounded rewards earner that stands out for its top-tier rates in popular categories, like groceries and entertainment spending. Its waived foreign exchange fees and travel insurance will appeal to travellers, but there’s no complimentary airport lounge access, just discounted membership to Priority Pass. Best for: Travellers and families who spend big on groceries, restaurants and commuting and want to collect Scene+ points.

Pros

• Generous rewards rates of up to 6x Scene+ points.
• No FX fees.
• Priority Pass airport lounge membership discount.

Cons

• No complimentary airport lounge access.
• Highest earn rate only applies to dollars spent at Sobeys and its subsidiary stores.

Card details

• Earn up to $850 in welcome offers, first year rewards and savings value and up to 45,000 bonus Scene+ points.¹
• Earn 6x Scene+ points¹ on every $1 you spend at Sobeys, Safeway, Freshco, Foodland and more
• Earn 5x Scene+ points¹ for every $1 you spend on dining, food delivery and other eligible grocery stores. Includes popular food delivery and food subscriptions.
• Earn 5x Scene+ points¹ for every $1 you spend in Canada eligible entertainment purchases. Includes movies, theatre and ticket agencies stores.
• Earn 3x Scene+ points¹ for every $1 CAD you spend in Canada on eligible gas and daily transit options. Includes rideshares, buses, subway, taxis and more
• Earn 3x Scene+ points¹ for every $1 CAD you spend in Canada on eligible select streaming services
• Plus earn 1 Scene+ point for every $1 spent on all other eligible everyday purchases
• Earn additional benefits + up to 4X Scene+ points for every dollar you spend on hotel bookings, car rentals, and things to do with Scene+ Travel, Powered by Expedia.
• No Foreign Transaction Fee
• Comprehensive Travel Insurance coverage
• AMEX Offers®
• AMEX Front of the Line®
• American Express Invites®
• Complimentary Concierge Services
• Rates, fees and other information are effective as of January 2, 2026. Subject to change.
• *See Card Provider's website and Card Application for complete card details, terms and current offers. Reasonable efforts are made to maintain accuracy of information.

Any credit card that waives foreign exchange fees is something of a rare gem, but the Scotiabank Gold American Express® Card also comes with discounted airport lounge access, comprehensive travel insurance and whopping earn rates of up to 6x Scene+ points — all for a reasonable $120 annual fee. For those seeking a simple, well-equipped travel card that will help them save on pesky fees for spending abroad, the Scotiabank Gold Amex is worth a look.

CIBC Aventura Visa Infinite Card

Our pick for: NEXUS rebates

5.0/5

5.0

NerdWallet rating

CIBC Aventura® Visa Infinite* Card

Annual feeSee Product Details†

Intro offerUp to 45,000 Points†

Rewards rate1x-2x Points

APPLY NOW

on CIBC's website

View details

Rewards breakdown

2x

Points for every $1 spent on travel via the CIBC Rewards Centre.†

1.5x

Points for every $1 spent at eligible gas & electric vehicle charging stations.†

1.5x

Points for every $1 spent at eligible grocery stores.†

1.5x

Points for every $1 spent at eligible drug stores.†

1x

Points for every $1 spent everywhere else.†

NerdWallet's take

The appeal of this mid-tier points card is its flexibility: points on everyday earn categories, plus solid extras, like complimentary lounge access, travel insurance and NEXUS fee rebates. The caveat? This card’s highest earn rate (2x points) is limited to dollars spent via the CIBC Rewards Centre. Best for: Travellers who want occasional lounge access and flexible redemption options.

Pros

• Four airport lounge passes annually.
• NEXUS application rebates every four years.
• Robust travel insurance.

Cons

• 2x earn rate only applies to travel booked through the CIBC Rewards Centre.
• No priority airport services.

Card details

• Welcome Offer: Join and earn up to $1,500 in value including a first year annual fee rebate!† Here's how you can earn up to $1,500 in value–
• Get up to 45,000 Aventura Points (up to $900 in travel value†):
• 15,000 Aventura Points when you make your first purchase.†
• 30,000 Aventura Points when you spend $3,000 or more in the first 4 monthly statement periods.†
• Get a one-time annual fee rebate ($139) for you (the primary cardholder) and up to three authorized users ($50 each): up to $189 value.†
• Elevate your airport experience with 4 complimentary visits at 1,200+ lounges globally through Visa Airport Companion Program: up to $277 in value.†
• Plus, get a NEXUS◊ Application Fee rebate†: A $160 value†
• Plus, enjoy extra valuable travel benefits.
• Travel when it’s right for you – your Aventura Points don’t expire.†
• Redeem your Aventura Points for more than travel with our Shop With Points/Pay with Points features.†
• Travel local - Aventura Points can be redeemed for more than just flights – use your points for hotels and car rentals for a weekend getaway.
• 2 points for every $1 spent on travel purchased through the CIBC Rewards Centre.†
• 1.5 points for every $1 spent at eligible gas stations, EV charging, grocery stores and drug stores.†
• 1 point for every $1 spent on all other purchases.†
• Save over $600 with CIBC and Skip – Get a 12-month Skip+ free trial and other exclusive benefits when you link your CIBC Aventura Visa Infinite Card with Skip.†
• Save on gas with CIBC and Journie Rewards – Link and use your CIBC Aventura Visa Infinite Card with Journie Rewards to save up to 10 cents per litre† at participating Pioneer, Fas Gas, Ultramar and Chevron gas stations.†
• This is a digital-exclusive offer.† To be eligible for this offer: 1) this offer must have been directly communicated to you from CIBC or from a partner/affiliate; and 2) you must apply for the eligible card through the link provided in the CIBC or partner/affiliate communication to you.† This offer is reserved for you. Please do not forward it to anyone else.
• CIBC may approve your application, but you are not eligible to receive this Offer if you have opened, transferred or cancelled another Aventura card within the last 12 months.†
• †Terms and Conditions Apply. Select Apply Now to learn more.

For those who prefer to breeze through lengthy customs lines with a NEXUS membership, the CIBC Aventura® Visa Infinite* Card provides a $160 NEXUS application fee rebate every four years. Beyond expedited border crossing, this card also comes equipped with four complimentary airport lounge passes annually and comprehensive travel insurance.

TD® Aeroplan Visa Infinite Privilege Credit Card

Our pick for: Priority airport services

4.8/5

4.8

NerdWallet rating

TD® Aeroplan® Visa Infinite Privilege* Credit Card

Annual fee$599

Intro offerUp to 85,000 Points

Rewards rate1.25x-2x Points

APPLY NOW

on TD's website

View details

Rewards breakdown

2x

Points† for every $1 spent on eligible purchases made direct through Air Canada® purchases (including Air Canada Vacations®).

1.5x

Points for every $1 spent on eligible gas, electric vehicle charging, groceries, travel & transit and dining purchases.

1.25x

Points† for every $1 spent on all other purchases made with your Card.

NerdWallet's take

This card offers premium travel perks at top dollar. You get comprehensive travel insurance, annual $99 companion passes, unlimited access to Maple Leaf Lounges, six annual lounge passes via the Visa Airport Companion Program, priority airport services, NEXUS rebates and more. But not everyone will be able to afford the annual fee, nor meet the steep income requirement. Best for: Frequent Air Canada travellers with a big budget looking for premium perks at the airport.

Pros

• Unlimited Maple Leaf Lounge visits, plus six complimentary Visa Airport Companion Program passes annually.
• Priority airport services.
• Annual $99 companion pass.

Cons

• Steep $599 annual fee.
• High $150,000 minimum income requirement.

Card details

• Up to $3,000 in value† including up to 85,000 Aeroplan points† could be yours. Conditions Apply.
• Earn a welcome bonus of 20,000 Aeroplan points when you make your first purchase with your new card†.
• Earn an additional 35,000 Aeroplan points when you spend $12,000 within 180 days of Account opening†.
• Plus, earn a one-time anniversary bonus of 30,000 Aeroplan points when you spend $24,000 within 12 months of Account opening†.
• Offer may be changed, withdrawn, or extended at any time and cannot be combined with any other offer unless otherwise indicated.
• Earn 2 points† for every $1 spent on eligible purchases made direct through Air Canada® purchases (including Air Canada Vacations®).
• Earn 1.5 points† for every $1 you charge to your Card on eligible gas, electric vehicle charging, groceries, travel & transit and dining purchases.
• Earn 1.25 points† for every $1 spent on all other purchases made with your Card.
• Earn points twice when you pay with your Card and provide your Aeroplan number at over 150 Aeroplan partner brands and at 200+ online retailers via the Aeroplan eStore (www.aeroplan.com/estore).
• Earn more at Starbucks: Link your eligible Card to earn 50% more Aeroplan points plus more Starbucks Stars. Redeem points for even more Stars. Conditions apply.  
• Apply for the NEXUS program membership and once every 48 months get a partial application fee rebate (up to $100 CAD)†.
• Share first free checked bags with up to 8 travel companions†, and get unlimited access to Maple Leaf Lounges† including complementary access for one guest.
• Plus, primary cardholders get 6 complimentary worldwide select airport lounge visits annually through the Visa Airport Companion Program†.
• Get an annual round-trip companion pass from $99 (plus taxes, fees, charges and surcharges)†.
• Get access to Priority Airport Services† like Priority Boarding, Priority Baggage Handling, and Priority Airport Standby & Priority Airport Upgrades†.
• Travel Medical Insurance†: Up to $5 million of coverage for the first 31 days. If you or your spouse is aged 65 or older, you are covered for the first 4 days of your trip. Additional top-up coverage is available.
• To be eligible, $150,000 annual personal income or $200,000 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.
• †Terms and conditions apply.
• This offer is not available for residents of Quebec.
• The Toronto-Dominion Bank (TD) is not responsible for the contents of this site including any editorials or reviews that may appear on this site. For complete and current information on any TD product, please click the Apply Now button.

The TD® Aeroplan® Visa Infinite Privilege* Credit Card transforms the typical airport rush into a true VIP experience with dedicated priority check-in counters, early boarding and priority baggage handling when you fly with Air Canada. Add in free checked bags, complimentary lounge access and annual companion passes that start at $99, there isn't much to dislike about this card beyond its steep fee and formidable income requirements.

The Platinum Card from American Express

Our pick for: Airport lounge access

5.0/5

5.0

NerdWallet rating

The Platinum Card® from American Express

Annual fee$799

Intro offerUp to 100,000 Points

Rewards rate1x-2x Points

APPLY NOW

on American Express' website

View details

Rewards breakdown

2x

Points on eligible dining and food delivery purchases in Canada.

2x

Points on eligible travel purchases.

1x

Points on all other purchases.

NerdWallet's take

As the name suggests, this card offers top-tier perks like free airport lounge access, an annual $200 travel credit and a full suite of insurances. However, it’s a charge card, so you must pay off the balance in full each month or face steep interest. And, for a premium travel card that costs $799 a year, the 2.5% foreign transaction fee is a bit of a letdown. Best for: High-end jetsetters who spend big on travel and don’t carry a balance.

Pros

• Annual credits totalling $640.
• Comprehensive and unlimited airport lounge access.
• No pre-set spending limit.

Cons

• Very steep $799 annual fee.
• 2.5% foreign transaction fee.
• Must pay off balance each month.

Card details

• 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 15 and 17 months of Cardmembership
• Earn 2 points for every $1 in Card purchases on eligible dining and food delivery in Canada, 2 points 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 1,400 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. Terms and Conditions apply.
• 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.
• Transfer points 1:1 to several frequent flyer and other loyalty programs.
• Enjoy complimentary benefits that offer an average value of $550 USD at over 1,600 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.
• 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.

The Platinum Card® from American Express offers the creme de la creme of travel perks with unmatched lounge access. Cardholders gain access to the American Express Global Lounge Collection, unlocking 1,400 airport lounges in 140 countries, including Plaza Premium lounges, Priority Pass lounges, and the highly exclusive Centurion Lounge. I won’t deny that this card’s $799 annual fee is positively dizzying, but for frequent travellers who prioritize premium perks, this card is a first-class head rush.

Scotiabank Platinum American Express Card

Our pick for: Premium perks under $400

5.0/5

5.0

NerdWallet rating

Scotiabank Platinum American Express® Card

Annual fee$399

Intro offerUp to 80,000 Points

Rewards rate2x Points

APPLY NOW

on Scotiabank's website

View details

Rewards breakdown

2x

Points for every $1 you spend on all your eligible purchases.

NerdWallet's take

Scotiabank’s Platinum Amex doesn’t just offer top-tier travel perks — such as emergency medical coverage and airport lounge access — it also comes with a low 9.99% interest rate on purchases and a flat earn rate of 2x Scene+ points per $1 spent. The high $399 annual fee, however, may be too steep for some users. Best for: Frequent travellers who spend big abroad, want airport lounge access and don’t mind using the Scene+ Travel platform to book travel.

Pros

• Low 9.99% APR.
• No foreign transaction fees.
• 10 free airport lounge passes per year.

Cons

• High $399 annual fee.
• Must book through Scene+ Travel platform to earn extra 3x points.

Card details

• Earn up to $2,500* in value in the first 14 months, including up to 80,000¹ bonus Scene+ points.
• Plus earn 2X Scene+ points for every $1 spent on all other eligible purchases.
• Earn additional benefits + up to 4X Scene+ points for every dollar you spend on hotel bookings, car rentals, and things to do with Scene+ Travel, Powered by Expedia.
• No Foreign Transaction Fee
• Comprehensive Travel Insurance coverage
• Mobile Device Insurance coverage
• 10 complimentary Airport Lounge Passes per year
• Platinum VIP Offers+
• American Express Invites®
• Premium Complimentary Concierge Services
• Rates, fees and other information are effective as of October 31, 2025. Subject to change.
• *See Card Provider's website and Card Application for complete card details, terms and current offers. Reasonable efforts are made to maintain accuracy of information.

The Scotiabank Platinum American Express® Card boasts 14 free airport lounge visits each year (10 for you, and 4 for supplementary cardholders) — nearly double the number offered by its competitors. Its $399 annual fee is more than you’ll pay for other mid-tier travel cards, but this is balanced by comprehensive travel coverage, no FX fees, and a low 9.99% interest rate. Travellers seeking journey-enhancing perks and financial flexibility — like taking cash advances abroad or covering big pre-trip expenses — will be hard-pressed to outdo the Scotiabank Platinum Amex.

Scotiabank Gold American Express Card

Our pick for: No foreign transaction fees

5.0/5

5.0

NerdWallet rating

Scotiabank Gold American Express® Card

Annual fee$120

Intro offerUp to 45,000 Points

Rewards rate1x-6x Points

APPLY NOW

on Scotiabank's website

View details

Rewards breakdown

6x

Points on every $1 you spend at Sobeys, Safeway, Freshco, Foodland and more.

5x

Points for every $1 you spend on dining & food delivery. Includes popular food delivery and food subscriptions.

5x

Points for every $1 you spend at other eligible grocery stores.

5x

Points for every $1 you spend in Canada on eligible entertainment purchases. Includes movies, theatre and ticket agencies stores.

3x

Points for every $1 CAD you spend in Canada on eligible gas purchases.

3x

Points for every $1 CAD you spend in Canada on eligible daily transit options. Includes rideshares, buses, subway, taxis and more.

3x

Points for every $1 CAD you spend in Canada on eligible select streaming services.

1x

Point for every $1 spent on all other eligible everyday purchases.

NerdWallet's take

A well-rounded rewards earner that stands out for its top-tier rates in popular categories, like groceries and entertainment spending. Its waived foreign exchange fees and travel insurance will appeal to travellers, but there’s no complimentary airport lounge access, just discounted membership to Priority Pass. Best for: Travellers and families who spend big on groceries, restaurants and commuting and want to collect Scene+ points.

Pros

• Generous rewards rates of up to 6x Scene+ points.
• No FX fees.
• Priority Pass airport lounge membership discount.

Cons

• No complimentary airport lounge access.
• Highest earn rate only applies to dollars spent at Sobeys and its subsidiary stores.

Card details

• Earn up to $850 in welcome offers, first year rewards and savings value and up to 45,000 bonus Scene+ points.¹
• Earn 6x Scene+ points¹ on every $1 you spend at Sobeys, Safeway, Freshco, Foodland and more
• Earn 5x Scene+ points¹ for every $1 you spend on dining, food delivery and other eligible grocery stores. Includes popular food delivery and food subscriptions.
• Earn 5x Scene+ points¹ for every $1 you spend in Canada eligible entertainment purchases. Includes movies, theatre and ticket agencies stores.
• Earn 3x Scene+ points¹ for every $1 CAD you spend in Canada on eligible gas and daily transit options. Includes rideshares, buses, subway, taxis and more
• Earn 3x Scene+ points¹ for every $1 CAD you spend in Canada on eligible select streaming services
• Plus earn 1 Scene+ point for every $1 spent on all other eligible everyday purchases
• Earn additional benefits + up to 4X Scene+ points for every dollar you spend on hotel bookings, car rentals, and things to do with Scene+ Travel, Powered by Expedia.
• No Foreign Transaction Fee
• Comprehensive Travel Insurance coverage
• AMEX Offers®
• AMEX Front of the Line®
• American Express Invites®
• Complimentary Concierge Services
• Rates, fees and other information are effective as of January 2, 2026. Subject to change.
• *See Card Provider's website and Card Application for complete card details, terms and current offers. Reasonable efforts are made to maintain accuracy of information.

Any credit card that waives foreign exchange fees is something of a rare gem, but the Scotiabank Gold American Express® Card also comes with discounted airport lounge access, comprehensive travel insurance and whopping earn rates of up to 6x Scene+ points — all for a reasonable $120 annual fee. For those seeking a simple, well-equipped travel card that will help them save on pesky fees for spending abroad, the Scotiabank Gold Amex is worth a look.

Rogers Red World Elite Mastercard

Our pick for: USD purchases

4.5/5

4.5

NerdWallet rating

Rogers Red World Elite® Mastercard®

Annual fee$0

Intro offerN/A

Rewards rate1.5%-3%

View details

Rewards breakdown

3%

Unlimited cash back on all eligible purchases made in U.S. dollars.

2%

Unlimited cash back on all eligible non-U.S. dollar purchases if you have 1 qualifying service with Rogers, Fido or Shaw. Otherwise, earn 1.5% unlimited cash back on eligible non-U.S. dollar purchases.

NerdWallet's take

The Rogers Red World Elite® Mastercard® is a no-fee card with an easy-to-understand cash-back rewards program with an accelerated earn rate on U.S. dollar purchases. And unlike some no-fee cards, it still offers valuable perks for those who like to travel.

Pros

• Rewards are easy to understand, $1 in cash-back rewards = $1 toward an eligible purchase or bill credit, and you can redeem rewards instantly using the Rogers Bank app.
• Attractive travel benefits are included, like access to over 1,300 DragonPass airport lounges and several types of travel insurance.

Cons

• Travel insurance isn't comprehensive.
• Missing some travel perks like priority boarding and free checked bags.

Card details

• Earn 2% unlimited cash back on all eligible non-U.S. dollar purchases if you have 1 qualifying service with Rogers, Fido or Shaw.
• Otherwise, earn 1.5% unlimited cash back on eligible non-U.S. dollar purchases.
• Earn 3% unlimited cash back on all eligible purchases made in U.S. dollars.
• Get 5 Roam Like Home days at no cost every year for Rogers mobile plans (up to $80 value).
• 1.5x more cash back every time you redeem for Rogers, Fido or Shaw purchases.
• No Annual Fee.
• Complimentary membership to Mastercard Travel Pass provided by DragonPass – Access to over 1,300 airport lounges worldwide ($32 USD per person per visit).
• Eight types of insurance provided, including 10-day travel medical benefits for those up to age 64 — up to $1 million in coverage. Three days of medical benefits are provided for those age 65 to 75.
• Standard rate on Purchases and Fees: 20.99%
• Standard rate on Cash Advances, Cash-like Transactions and Balance Transfers: 22.99%
• Rates may increase to 25.99% (purchases) and 27.99% (cash-like transactions) if you miss the required payment by the due date twice in 12 months. See Disclosure Summary for details.
• If you are not approved for an Account at the above rates and you reside outside Quebec, we may still issue you an Account at our alternate interest rates, as follows: Rate for Purchases and Fees: 25.99% Rate for Cash Advances, Cash like Transactions and Balance Transfers: 27.99%
• To be eligible, $80,000 (individual) or $150,000 (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.
• Rogers Bank is not responsible for maintaining or controlling the accuracy of the information published on this website. For full and up-to-date product information, visit Rogersbank.com.
• ^ Terms and conditions apply. For full and up-to date product information and applicable terms and conditions, visit Rogersbank.com. Rogers Bank is not responsible for maintaining or controlling the accuracy of the information published on this website.
• ®/TM Mastercard and World Elite are registered trademarks and the circles design is a trademark of Mastercard International Incorporated. Used under license.
• TM Rogers and Mobius Design, Rogers Bank and related marks, logos and brand names are trademarks of Rogers Communications Inc., or an affiliate, used under license. © 2025 Rogers Bank.
• Rogers Bank is the issuer of this credit card.

A card that earns cash back on U.S. dollar purchases? That’s a rare find. The Rogers Red World Elite® Mastercard® offers 3% back on USD purchases with additional value for loyal customers. Rogers, Fido and Shaw customers earn 2% back on all other spending (versus 1.5% for non-customers) and get a 50% bonus on cash-back when redeemed for Rogers, Fido or Shaw purchases.

Wise Card

Our pick for: Dedicated multi-currency card

5.0/5

5.0

NerdWallet rating

Wise Card

Annual fee$0

Intro offerN/A

Rewards rateN/A

View details

NerdWallet's take

The Wise Card is a flexible prepaid card for frequent travellers. You get access to over 40 currencies around the world, as well as two free ATM withdrawals each month (up to $350 per transaction). However, converting currencies within your own account comes with fees and limits, as well as topping up external e-wallets. Best for: Globetrotters who want a prepaid solution that holds multiple currencies.

Pros

• No annual fee.
• No ATM fees (up to two withdrawals a month, under $350).
• Holds over 40 currencies.

Cons

• Fees for ATM withdrawals after limits are reached.
• Fee for converting currencies.
• Fees for topping up e-wallets.

Card details

• Pay online and in stores in over 40 currencies and 160 countries.
• Freeze and unfreeze your card instantly.
• Generate digital cards for extra peace of mind.
• Get notifications for every transaction.
• Wise protects your details through strict standards and 2FA.
• Dedicated support in 14 languages.
• International safeguarding: Your money is held with a group of established financial institutions, separate from Wise’s.
• No annual fee.

The Wise Card is a practical money tool for travellers who want secure international spending with the added benefit of holding over 40 currencies. It automatically converts your funds at the real exchange rate, so you can avoid hidden markups and foreign exchange fees that can eat into your travel budget.

Home Trust No Fee Preferred Visa Card

Our pick for: No annual fee, no FX fees

4.1/5

4.1

NerdWallet rating

Home Trust No Fee Preferred Visa card

Annual fee$0

Intro offerN/A

Rewards rate1%

APPLY NOW

on Home Trust's website

View details

Rewards breakdown

1%

Cash back on all eligible purchases

NerdWallet's take

With 1% cash back on purchases, no foreign exchange fees and no annual fee, this rewards card offers travellers simplicity over luxury perks. Best for: Budget-conscious travellers who spend big abroad.

Pros

• No annual fee.
• No foreign exchange fees.
• No caps on cash back.

Cons

• No travel insurance.
• Not available in Quebec.

Card details

• Receive 1% cash back¹ on every eligible purchase made with your Home Trust Preferred Visa*.
• CashBack Rewards earned are displayed every month on your statement, and the total amount earned for the previous year will be provided to you as a credit in January.
• No annual fee.
• Use your Home Trust Preferred Visa on purchases made in foreign currencies without added foreign exchange fees², whether you’re spending while abroad or shopping online at home.
• Worldwide access from anywhere you are, for hotel and travel reservations or shopping in-store and online. Access cash at over 2.5 million ATMs in more than 200 countries and territories worldwide.
• Manage your Visa account easily and securely — at any time, and from anywhere. Get your balance and view your transactions at Home Trust Visa Online.
• Purchase Security³: insures eligible items against theft or damage for 90 days from the date of purchase.
• Manage your Home Trust Visa account easily and securely — at anytime from anywhere in the world. View the card’s balance, transactions and pay bills online at Home Trust Visa Online.
• Guaranteed hotel reservations — with this international travel credit card, you can request a guaranteed hotel reservation anywhere in the world and your room will be held for you even if you arrive late.
• Preferred rates: 21.99% for purchases and cash advances.
• To be eligible, $15,000 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 cannot currently be in bankruptcy or be a resident of Quebec.

The Home Trust No Fee Preferred Visa card helps put dollars back in your wallet in three (count 'em: three) practical ways: 1) you won't pay an annual fee, 2) you'll skip FX fees on international purchases, and 3) you'll earn cash back on every eligible dollar spent — which, when you think about it, is kind of like scoring a discount. This trifecta of money-saving perks makes it one of the most budget-friendly travel cards on the market.

CIBC Aeroplan Visa Card for Students

Our pick for: Students

5.0/5

5.0

NerdWallet rating

CIBC Aeroplan® Visa* Card for Students

Annual fee$0

Intro offer10,000 Points

Rewards rate0.67x-1x Points

View details

Rewards breakdown

1x

Point for every $1 you spend on eligible gas, electric vehicle charging.

1x

Point for every $1 you spend on groceries.

1x

Point for every $1 you spend directly with Air Canada.

1x

Point for every $1.50 you spend on all other purchases.

NerdWallet's take

This card offers students clean and easy entry into the Aeroplan program: no annual fee, points on everyday essentials and access to Aeroplan’s Family Sharing feature to pool rewards with loved ones. There’s no robust travel insurance or glitzy airport perks though, so it’s best for occasional flyers building credit. Best for: Students who want to access credit and earn travel rewards in tandem.

Pros

• No annual fee.
• No minimum income requirements.
• 12-month Skip+ free trial.

Cons

• No emergency medical coverage.
• Credit limits are capped at $5,000 for domestic students and $2,000 for international students.

Card details

• 1x Aeroplan points per dollar on gas, electric vehicle charging, groceries and Air Canada travel purchases, up to $40,000 annual spend.
• 1x Aeroplan points per $1.50 spent on all other purchases, including gas, electric vehicle charging, groceries and Air Canada travel purchases that exceed the $40,000 threshold.
• Earn points twice at over 150 Aeroplan partners and 170+ online retailers through the Aeroplan eStore.
• Aeroplan Points never expire and can be redeemed for a variety of travel, merchandise, gift card, and other rewards offered by Aeroplan’s participating partners and suppliers.
• $0 annual fee.
• Get three free months of Uber Pass for discounts on rides, meals and more. Offer ends September 8, 2022.
• Earn 1 Aeroplan point for every $6 spent on CIBC Global Money Transfer, with no transaction fees or interest as long as you pay your balance on time. Offer ends June 30, 2022.
• Maximize your points by adding up to three additional cards and giving them to your spouse or other family members. Points can be shared with other Aeroplan members in your household.
• Earn points by using your CIBC Aeroplan Visa to automatically make recurring bill payments.
• Receive preferred pricing when paying for flights with your Aeroplan points.
• Save up to 25% on car rentals at participating Budget and Avis locations worldwide when paying with your card.
• Save up to 10 cents per litre at participating Chevron, Ultramar and Pioneer gas stations if you link your card with Journie Rewards.
• Use the CIBC Pace It feature to make installment payments on large purchases.
• Four types of insurance are provided: auto rental collision and loss damage insurance, purchase security, extended protection insurance, and $100,000 in common carrier accident insurance.
• Preferred rates: 20.99% for purchases, 22.99% for cash advances.
• To be eligible, you must have full-time status in a college or university.
• The information for the CIBC Aeroplan® Visa* Card for Students has been collected independently by NerdWallet. The card details on this page have not been reviewed or provided by the card issuer.

No minimum income requirements, no annual fee and Aeroplan points earned on every dollar spent? Sounds like an easy A. The CIBC Aeroplan® Visa* Card for Students helps keep costs low and makes it easy to rack up rewards. Link it to a Skip the Dishes account to nab 12 months of Skip+ for free. Send money internationally with no transfer fee. Grab a free SPC+ membership for in-store and online brand discounts. For students on the move, this card turns everyday expenses into future adventures.

WestJet RBC World Elite Mastercard

Our pick for: WestJet flyers

5.0/5

5.0

NerdWallet rating

WestJet RBC World Elite Mastercard

Annual fee$139

Intro offerUp to 70,000 Points

Rewards rate1.5x-2x

View details

Rewards breakdown

2x

Points for every dollar you spend on WestJet flights, WestJet Vacations, and Sunwing Vacations².

2x

Points for every dollar you spend at grocery stores and on transportation including gas, EV charging, public transit and rideshare³.

1.5x

Points for every dollar you spend on all other everyday purchases².

NerdWallet's take

Free checked bags, airport lounge access, an annual companion voucher, and the ability to earn WestJet points on everyday purchases are just a few of the perks this card has to offer — not to mention the full suite of insurances. But if you don’t fly WestJet often, or don’t meet the minimum $80,000 annual income requirement, this card won’t be worth your while. Best for: Frequent travellers who are loyal to WestJet and its partner airlines.

Pros

• Annual companion pass from $119.
• Free checked bags for you and up to 8 guests.
• Full suite of travel insurance.

Cons

• DragonPass membership only — airport lounge visits cost extra.
• High $80,000 minimum income requirement.

Card details

• Get up to 70,000 WestJet points¹: 30,000 WestJet points upon your first purchase, 30,000 WestJet points when you spend $5,000 in the first 3 months, and 10,000 WestJet points after first year anniversary
• Check your first bag for free for the primary cardholder and up to 8 guests on the same reservation when you pay with your WestJet RBC World Elite Mastercard4⁴
• Cardholders can now achieve Silver, Gold and even Platinum Status with a Status Lift up to 50 times per year – you’ll earn 200 CAD in tier qualifying spend for every $5,000 in purchases on your card⁵
• Receive an annual round-trip companion voucher starting from $119 CAD (plus taxes, fees, surcharges and other ATC) when you spend a minimum of $5,000 annually on your card⁵, or choose to exchange it for one of the following: a 30% flight discount for one traveller⁸, a $200 credit towards a WestJet Vacations package or Sunwing Vacations package⁹, or two airport lounge passes¹⁰
• Earn 2 points for every dollar you spend on WestJet flights, WestJet Vacations, and Sunwing Vacations²
• Earn 2 points for every dollar you spend at grocery stores and on transportation including gas, EV charging, public transit and rideshare³
• Earn 1.5 points for every dollar you spend on all other everyday purchases²
• WestJet points can now be redeemed to cover taxes, fees and surcharges⁹
• You can truly relax while you’re travelling with comprehensive coverage, now including Trip Cancellation insurance⁶.
• WestJet points never expire. Use your WestJet points to book flights anytime so you can travel when and where you want – no blackout periods.
• Travel coverage including emergency medical insurance²⁰ as well as trip interruption insurance²¹, hotel burglary¹⁸ and rental car insurance¹⁹. Even eligible purchases you make on the card are protected.
• Save at Petro-Canada – Save 3¢/L on gas and earn 20% more Petro-Points when you pay with a linked RBC card.⁷
• 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 credit card.⁸
• Enjoy unlimited $0 delivery fees with DoorDash – Get a complimentary DashPass subscription⁹ from DoorDash for up to 12 months and enjoy unlimited deliveries from qualifying restaurants you love. Enjoy $0 delivery fees10 on orders of $15+ when you pay with an eligible RBC credit card.
• Enjoy airport lounges worldwide: Your WestJet RBC World Elite Mastercard entitles you to membership in the Mastercard Travel Pass Program provided by DragonPass.¹¹ This program offers access to more than 1,300 airport lounges globally, plus valuable airport dining and spa offers. Download the Mastercard Travel Pass app and register at mastercardtravelpass.dragonpass.com
• Eligibility: This card requires a minimum personal income of $80,000 or a minimum household income of $150,000. Must also be a Canadian resident of the age of majority in the province or territory of residence.
• Corresponding legal references and product terms are available on the RBC website, which will be available and agreed upon in the customer onboarding process.

WestJet loyalists needn’t look further than the WestJet RBC World Elite Mastercard. Cardholders get free checked bags, annual companion vouchers starting at $119 and up to 2% back in WestJet dollars on eligible purchases. The annual voucher alone could shake out to hundreds of dollars saved on a single flight, easily offsetting this card’s $119 annual fee. It’s got travel insurance and Petro-Canada discounts, too.

BMO VIPorter World Elite Mastercard

Our pick for: Porter flyers

4.9/5

4.9

NerdWallet rating

BMO VIPorter World Elite®* Mastercard®*

Annual fee$199Waived first year

Intro offer70,000 Points + Round-Trip Companion Pass

Rewards rate1x-3x Points

APPLY NOW

on BMO's website

View details

Rewards breakdown

3x

Points for every $1 spent on Porter purchases.*

2x

Points for every $1 spent on gas.*

2x

Points for every $1 spent on transportation.*

2x

Points for every $1 spent on groceries.*

2x

Points for every $1 spent on dining.*

2x

Points for every $1 spent on hotel accommodations.*

1x

Point for every $1 spent everywhere else.*

NerdWallet's take

This co-branded Porter card offers enriched VIPorter point earn rates and luxurious travel perks befitting a top-shelf travel card for just $199 annually. But high income requirements will put this card out of reach for some applicants. Best for: Frequent Porter flyers.

Pros

• Annual round-trip companion pass.
• Free checked bags.
• Priority airport services.

Cons

• $80,000 individual or $150,000 household annual income requirement.
• Annual companion pass requires $50,000 in annual spending to unlock.

Card details

• Welcome offer: Get up to $2,400 in value* including 70,000 VIPorter points and a round-trip companion pass.* Plus receive $1,000 in Qualifying Spend.*Plus no annual fee in your first year.*
• Earn 3 points for every $1 spent on Porter purchases.*
• Earn 2 points for every $1 spent on gas and transportation, Earn 2 points for every $1 spent on groceries and dining*, Earn 2 points for every $1 spent on hotel accommodations, Earn 1 point for every $1 spent everywhere else.*
• A round-trip companion pass per year*, 1 complimentary checked bag*, 1 complimentary carry-on bag on all Porter fare types*, Free PorterClassic seat selection*, Priority re-accommodation for flight delays*, Priority check-in, security, and early boarding*, No VIPorter points expiry*, Earn $1 of qualifying spend for every $25 spent.* *This benefit applies to up to 8 companions travelling on the same booking.
• Your BMO VIPorter credit card comes with comprehensive travel coverage including: 21-day out-of-province or country emergency medical insurance, Car rental-collision/loss damage insurance, Common carrier insurance, Flight delay insurance, Baggage insurance, Hotel burglary insurance.*
• Complimentary membership in Mastercard Travel Pass provided by DragonPass. As a member enjoy lounge access for a fee of just US$32 per person, per visit.* Registration is required. Visit the Mastercard Travel Pass website or use the Mastercard Travel Pass mobile application to register.*
• Save up to 20% on National Car Rental®†† and Alamo Rent A Car®†† and up to 5% on Enterprise Rent-A-Car®†† at locations worldwide using the Car Rental Booking tool.
• Discover a world of Mastercard Travel Rewards cash back offers when you shop, dine and relax with our partners outside of Canada.
• Save up to 7% on your Booking.com prepaid hotel or property rental bookings at booking.com/mastercardcanada.*
• Access valuable benefits and offers for digital everyday services from a variety of on-demand apps and subscription services.*
• Shop with extended warranty and purchase protection.*
• Enjoy six months of Instacart+ and a $10 monthly Instacart credit when you enroll your eligible BMO Credit Card.*
• *Terms and conditions apply
• 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.

With an annual fee of $199, this card is practically a steal, given the plethora of travel perks at your disposal. Beyond its enriched VIPorter point earn rate of up to 3x per dollar spent, the BMO VIPorter World Elite®* Mastercard®* also offers complimentary checked bags, priority airport services, discounted lounge access, sweeping insurance coverage and round-trip companion passes.

CIBC Aeroplan Visa Infinite Card

Our pick for: Free checked bags

4.9/5

4.9

NerdWallet rating

CIBC Aeroplan® Visa Infinite Card

Annual fee$139Waived first year

Intro offerUp to 45,000 Points

Rewards rate1x-1.5x Points

View details

Rewards breakdown

1.5x

Points on gas & electric vehicle charging.

1.5x

Points on groceries.

1.5x

Points on direct Air Canada purchases.

1x

Points on all other purchases.

NerdWallet's take

A mid-tier Aeroplan card that earns accelerated points on groceries, gas, EV charging and Air Canada purchases, plus travel insurance and free checked bags on Air Canada itineraries. Just don’t expect high-end airport perks like priority check in or complimentary airport lounge access. Best for: Air Canada flyers who occasionally need to check a bag and want Aeroplan points without a premium price tag.

Pros

• Free first checked bags when you fly Air Canada.
• Free international money transfers.

Cons

• No airport lounge access.

Card details

• Earn 10,000 Aeroplan points when you make your first purchase. Earn 20,000 Aeroplan points when you spend $4,000 or more during the first 4 monthly statements periods. Earn 15,000 Aeroplan points as an additional anniversary bonus when you have at least $10,000 in net purchases posted on your account during the first 12 monthly statement periods. Offer applies to new cardmembers only.
• 1.5x Aeroplan points for every dollar spent on gas, electric vehicle charging, groceries and direct Air Canada purchases, including Air Canada Vacations, up to a maximum annual spend of $80,000.
• 1x Aeroplan point for every dollar you spend on all other purchases.
• Earn points twice by providing your Aeroplan number at over 150 Aeroplan partners and more than 170 online retailers through the Aeroplan eStore.
• Points can be redeemed for flights, car rentals and hotel bookings, as well as merchandise and gift cards available in the Aeroplan eStore.
• $139 annual fee, which can be reduced each year if you have a CIBC Smart Plus account.
• Access to Visa Infinite offers, including exclusive benefits at luxury hotels, gourmet restaurants and wineries in British Columbia, Ontario and Sonoma Valley.
• Car rental discounts of up to 25% at participating Avis and Budget locations worldwide.
• The Aeroplan Family Sharing plan allows Aeroplan members in the same household to combine their points and speed up the delivery of their next flight reward.
• Primary cardholders hoping to reach Aeroplan Elite Status can receive 1,000 Status Qualifying Miles and 1 Status Qualifying Segment for every $10,000 in eligible purchases.
• Access to CIBC Pace It, an installment plan designed to help you pay off large or unexpected purchases over time at a lower interest rate.
• 13 types of insurance provided, including 15-day travel medical benefits (three days if you’re 65 or older on your departure date) — worth up to $5 million in coverage per insured person.
• 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. You must also be a Canadian resident of the age of majority in the province or territory where you live who has not declared bankruptcy in the last seven years.
• The information for the CIBC Aeroplan® Visa Infinite Card has been collected independently by NerdWallet. The card details on this page have not been reviewed or provided by the card issuer.

The CIBC Aeroplan Visa Infinite Card comes with solid travel benefits, like free first checked bags, decent travel insurance and complimentary extra nights when you use your Aeroplan points for hotel redemptions. There's no airport lounge access or priority airport services, though, so if the absence of those perks is a dealbreaker, be prepared to compare premium-tier cards with higher price tags.