Best Credit Cards in Canada With Airport Lounge Access
Airport lounges are a refuge from the tiresome tumult of air travel. Whether for business or pleasure, air travel can be hectic. Traffic jams, security queues and flight delays add to an already energy-sapping experience.
Fortunately, these coveted airport oases are not as exclusive as you think — you just need a credit card that will grant you entry. Check out NerdWallet’s list of the best credit cards with airport lounge access to help find the right one for you.
Summary of the best credit cards with airport lounge access
| Card | NerdWallet rating | Annual fee | Intro offer | Rewards rate | Apply Now |
|---|---|---|---|---|---|
| RBC Avion Visa Infinite Privilege | APPLY NOW on RBC's website | ||||
 APPLY NOW on RBC's website | 4.1/5 | $399 | Up to 70,000 Points | 1.25x Points | |
| The Platinum Card® from American Express | APPLY NOW on American Express' website | ||||
 APPLY NOW on American Express' website | 5.0/5 | $799 | Up to 100,000 Points | 1x-2x Points | |
| TD® Aeroplan® Visa Infinite Privilege* Credit Card | APPLY NOW on TD's website | ||||
 APPLY NOW on TD's website | 4.8/5 | $599 | Up to 85,000 Points | 1.25x-2x Points | |
Best credit cards with airport lounge access
Rewards breakdown
Rewards breakdownPoints for every $1 you spend.
NerdWallet's take
NerdWallet's takeHigh-end perks like airport lounge access, security fast track lanes, ski passes and flexible rewards, make the RBC Avion Visa Infinite Privilege a solid choice for travellers looking for a little extra.
Pros
- Six complimentary airport lounge passes per year.
- Rental car discounts.
- Airport security fast track lanes.
- Book rewards travel on any airline, at any time.
Cons
- High annual fee.
- Low earn rate.
Card details
Card details- Get up to 70,000 Avion points* (a travel value of up to $1,500†): 35,000 Avion Points on approval*, 20,000 bonus points when you spend $5,000 in your first 6 months*, 15,000 one-time anniversary bonus points after 12 months of account opening*.
- 70,000 Avion points* is enough for two roundtrip tickets to almost anywhere in Canada & the US (Alaska and Hawaii require more points). Taxes and fees extra.†
- Earn 1.25 Avion points for every dollar you spend.
- Minimum personal income of $200,000 required to apply.
- Enjoy VIP travel benefits including Visa Airport Companion (that’s six lounge visits per membership year for every enrolled cardholder on your account!),² Plus, fast track security and other benefits at select airports¹,²
- Book flights on any airline, on any flight, at any time³. You can also use your points to redeem for vacation packages, hotels, cruises and tours³.
- Pick any seat you want from 500+ airlines - with no seat restrictions or blackout periods, even during peak seasons.
- Access more of the world with your 24/7 Visa Infinite Privilege Concierge¹¹
- Avion Infinite Privilege card holders have access to book business or first class at a rate of 100 points for $2³
- Redeem your points for travel and more. Use points for anything from paying bills and paying your card balance to redeeming for Gift Cards and Merchandise at top brands like Apple. The Avion Rewards program gives you the freedom of choice to use your points your way, and helps you make the most as an Avioner.
- Eligible Avion Rewards members can also convert points to other loyalty programs including WestJet dollars and British Airways Avios.
- 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 $0 delivery fees for 12 months from DoorDash¹⁸ – Add your credit card to your DoorDash account and get a free 12-month DashPass subscription¹⁸.
- Get access to RBC offers which provides access to earn points faster at specified brands
- Avioners get access to luxury Visa Infinite benefits including first in line for exclusive events, and hotel and dining benefits.
- Flexibility to book flights last-minute: up to 24hrs before
Rewards breakdown
Rewards breakdownPoints on eligible dining and food delivery purchases in Canada.
Points on eligible travel purchases.
Points on all other purchases.
NerdWallet's take
NerdWallet's takeAs 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
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.
Rewards breakdown
Rewards breakdownPoints† for every $1 spent on eligible purchases made direct through Air Canada® purchases (including Air Canada Vacations®).
Points for every $1 spent on eligible gas, electric vehicle charging, groceries, travel & transit and dining purchases.
Points† for every $1 spent on all other purchases made with your Card.
NerdWallet's take
NerdWallet's takeThis 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
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.
Rewards breakdown
Rewards breakdownPoints for every $1 you spend on all your eligible purchases.
NerdWallet's take
NerdWallet's takeScotiabank’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
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.
Rewards breakdown
Rewards breakdownPoints on every $1 you spend at Sobeys, Safeway, IGA, Foodland and participating Co-ops and more.
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).
Point for every $1 spent on all other eligible everyday purchases.
NerdWallet's take
NerdWallet's takeA 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
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.
Rewards breakdown
Rewards breakdownPoints on eligible travel purchases.
Points on eligible purchases at gas stations in Canada.
on eligible purchases at grocery stores in Canada.
on eligible purchases at drugstores in Canada.
Point on purchases everywhere else.
NerdWallet's take
NerdWallet's takeThis flexible, mid-tier travel card is outfitted in an eye-catching stainless steel, typically reserved for premium cards with $500+ annual fees. The Amex Gold Rewards boasts broad rewards earning categories for eligible dollars spent on travel, gas, groceries and drugstore purchases. Perks like a $100 annual travel credit and airport lounge access add tangible value but only help offset the $250 annual fee if they’re put to use. Best for: Travellers seeking occasional lounge access and flexible, everyday rewards.
Pros
- Four complimentary Plaza Premium lounge visits annually.
- $50 NEXUS statement credit.
- Comprehensive travel coverage.
Cons
- Limited airport lounge passes.
Card details
Card details- 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.
- 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.
- Transfer points 1:1 to several frequent flyer and other loyalty programs.
- 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 29.99%. 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.
- 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.
Rewards breakdown
Rewards breakdownPoints on travel purchased through the CIBC Rewards Centre.
Points on eligible dining.
Points on eligible gas & electric vehicle charging.
Points on eligible groceries.
Points on everything else.
NerdWallet's take
NerdWallet's takeA metal credit card equipped with all the bells and whistles of a high-end travel companion: accelerated points on travel spending, airport lounge access and an annual travel credit. The trade-offs are what you'd expect at this tier: six-figure annual income eligibility criteria and a sizable annual fee. Best for: Cardholders who spend big on travel and want a card that unlocks luxurious experiences to match.
Pros
- Six complimentary airport lounge visits annually.
- $200 annual travel credit.
- Two NEXUS application fee rebates every four years.
Cons
- Steep $499 annual fee.
- High annual income requirement of $150,000 per individual or $200,000 per household.
Card details
Card details- Earn 25,000 Aventura Points when you spend $3,000 or more in the first 4 monthly statement periods. Earn 25,000 Aventura Points when you spend $6,000 or more in the first 4 monthly statement periods. Earn 30,000 Aventura Points as an additional anniversary bonus.
- Receive 6 complimentary visits at 1,200+ lounges globally through Visa Airport Companion Program: over $340 value.
- Get a $200 annual Travel Credit. Plus, get 2 NEXUS™ Application Fee rebates: a $134 value.
- Earn 3 points for every $1 spent on travel purchased through the CIBC Rewards Centre.
- Earn 2 points for every $1 spent on eligible dining, entertainment, transportation, gas, electric vehicle charging, and groceries.
- Earn 1.25 points for every $1 spent on all other purchases.
- Earn 1.25 Aventura Points for every $4.00 spent on a CIBC Global Money Transfer™. There are no transaction fees and no interest charged as long as the balance is paid by the payment due date.
- Redeem points for airline tickets, merchandise, gift cards and more.
- Apply points toward a CIBC Aventura credit card balance or select CIBC financial products.
- $499 annual fee.
- Unwind at the airport in a relaxing lounge with 6 complimentary visits at 1,200+ lounges globally through Visa Airport Companion Program. Speed up border crossings with 2 NEXUS application fee rebates every 4 years.
- Access business class bookings exclusive to this card for a future getaway.
- Enjoy dedicated taxi and limo services, exclusive dining and wine experiences, VIP benefits at luxury hotels and more with Visa Infinite Privilege.
- Get up to 25% off auto rentals at participating Avis® and Budget® locations worldwide when you pay with your Aventura card.
- Link a Journie Rewards card to save on every fill-up at participating Pioneer, Fas Gas, Ultramar and Chevron gas stations.
- Preferred rates: 20.99% for purchases, 22.99% for cash advances (21.99% for cash advances if you live in Quebec).
- The information for the CIBC Aventura® Visa Infinite Privilege* Card has been collected independently by NerdWallet. The card details on this page have not been reviewed or provided by the card issuer.
Rewards breakdown
Rewards breakdownCash back in two 2% categories of your choice.
Cash back on all your other everyday purchases.
NerdWallet's take
NerdWallet's takeYou can earn unlimited 2% cash back in up to three categories of your choice, making it one of the more flexible cash-back programs in Canada. The card comes with more perks than the Money-Back version — mobile phone and rental car coverage, as well as discounted airport lounge access and a complimentary data roaming plan with Flexiroam. But the $50,000 minimum income requirements may be restrictive for some users. Best for: Travellers who spend big in unique categories and want a flexible cash-back program.
Pros
- No annual fee.
- Choose the 2% cash-back categories based on your spending.
- Mobile phone and rental car insurance.
Cons
- Must have a Tangerine savings account to unlock 3rd cash-back category.
Card details
Card details- Get $120 with a Money-Back World Mastercard®* Spend $1,500 in your first 3 months to enjoy this Bonus. It’s the no annual fee Credit Card with the most cash back categories to choose from ††. Offer Expires April 30, 2026.
- Two Categories – 2% Money-Back Rewards on purchases in two categories of your choice. OR Three categories Deposit your Rewards into a Tangerine Savings Account and get a third 2% Money-Back category. 13 Categories to explore – Groceries, gas, and beyond, choose from 13 categories to suit your spending. And change them up every 90 days to match your purchases.◊
- 0.5% on everything else.
- With Mastercard Travel Rewards, you can unlock cashback offers and get a rebate applied directly to your statement, by using your Tangerine® Money-Back World Mastercard®* at select merchants that accept Mastercard while travelling outside of Canada.
- Save on the things you love with your Tangerine® Money-Back 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® Money-Back 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: 20.95% for purchases, 22.95% for cash advances (including balance transfers).
- 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.
Rewards breakdown
Rewards breakdownPoints on eligible purchases made directly with Air Canada and Air Canada Vacations.
Points on eligible Dining and Food Delivery purchases in Canada.
Points on on everything else.
NerdWallet's take
NerdWallet's takeThis top-shelf Aeroplan card offers 3x points on purchases made with Air Canada — the highest Aeroplan earn rate on the market. Comprehensive insurance coverage, annual companion passes and priority airport services add to the luxe factor, but the hefty $599 annual fee may be more than some cardholders are willing to spend. Best for: Air Canada enthusiasts who want to maximize their Aeroplan point accumulation.
Pros
- Up to 3x points on eligible dollars spent.
- Free Maple Leaf Lounge access, plus a complimentary Priority Pass membership.
- Free checked bags.
- Priority check-in, boarding and baggage handling.
Cons
- Steep $599 annual fee.
- Priority airport services only apply to Air Canada itineraries.
- Pay-per use rates apply to Priority Pass lounges.
Card details
Card details- New American Express® Aeroplan®* Reserve Cardmembers can earn up to 85,000 Aeroplan points.
- Earn 60,000 Aeroplan points after spending $7,500 in purchases on your Card within the first 3 months.
- Plus, earn an additional 25,000 Aeroplan points when you spend $2,500 in purchases in month 13
- You could earn up to $4,400 in value within your first 13 months. When you combine the Welcome Bonus offer of up to $1,700 in value, your earn potential in accelerated and everyday spend earn rate categories with approximately $1,760 in value, and the $1,000 in value you get from exceptional benefits, you can earn up to $4,400 or more in value within your first 13 months. Terms and usage assumptions apply.
- Cardmembers can now get an extra night free for every 3 hotel nights redeemed with Aeroplan points. Enjoy even more at over 300,000 hotel properties worldwide
- Receive up to $100 CAD in statement credits every four years when a NEXUS application or renewal fee is charged to your American Express Aeroplan Reserve Card
- Highest Air Canada earn rate on an Aeroplan payment card in Canada: Earn 3X the points on eligible purchases made directly with Air Canada®* and Air Canada Vacations®*.
- Standard Earn Rate: Earn 2X the points on eligible Dining and Food Delivery purchases in Canada and earn 1.25X the points on everything else.
- Get through the airport quicker with Air Canada Priority Check-In, Air Canada Priority Boarding and Air Canada Priority Baggage Handling.
- Receive one Annual Worldwide Companion Pass when you spend $25,000 in net purchases prior to your Card anniversary date; your Pass entitles you to buy an accompanying Air Canada economy class ticket for a companion at a fixed base fare from $99 to a maximum of $599 CAD (plus taxes, fees, charges, and surcharges)
- Enjoy access to select Air Canada Maple Leaf Lounges™* and Air Canada Café™ in North America for you and a guest, with a same day ticket on a departing Air Canada or Star Alliance flight.
- Enjoy your eligible first checked bag free for up to 9 people travelling on the same reservation on Air Canada flights.
- Get a 10% Head Start. Starting in 2027, eligible Basic Cardmembers with Aeroplan Elite™* Status will receive a 10% head start toward qualification, based on Status Qualifying Credits (SQC) accumulated the year before. Roll over any unallocated unused eUpgrade Credits to the following year to enjoy during your travels
- Get access to more than 1,200 Priority Pass™ airport lounges and enjoy an oasis of comfort before your flight, regardless of your airline or cabin class.
- Amex Experiences™ opens doors for you to access a number of special events, including special dining experiences, VIP parties, advance film screenings and more
- Get more from your travel experience at Toronto Pearson International Airport with:
- Access to Pearson Priority Security Lane
- Complimentary valet service at the Express Park and Daily Park
- 15% discount on parking rates at the Express Park and Daily Park
- 15% discount on Car Care Services
- Insurance Coverage: whether you’re shopping nearby or travelling abroad, you can feel confident knowing you can be taken care of.
- American Express® Aeroplan®* Reserve Card is made from precision cut and engraved 13g metal – it’s the perfect companion on your next exceptional journey
- 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, (I/we) may receive compensation from American Express, which can be in the form of monetary payment.
Rewards breakdown
Rewards breakdownCash back on restaurants.
Cash back on entertainment.
Cash back on alternative transportation.
Cash back on groceries.
Cash back on travel.
Cash back on everything else.
NerdWallet's take
NerdWallet's takeNot only does this low-interest card feature accelerated rates on daily spending, but it also comes with impressive insurance coverage and car rental discounts of up to 25% at Hertz, Thrifty and Dollar. Not everyone will be able to meet its lofty annual income criteria, though, and annual fees are higher for non-Desjardins members. Best for: High-income Desjardins members in the market for a low-interest card that earns on everyday spending.
Pros
- Low 11.9% purchase interest rate.
- Robust travel insurance.
- 12 complimentary passes to Desjardins Odyssey Lounges at Montréal-Trudeau International Airport annually.
Cons
- High annual fee of $295-$395.
- Steep $150,000 individual or $200,000 household annual income requirement.
Card details
Card details- 4% in BONUSDOLLARS per dollar spent on restaurants, entertainment and alternative transportation.
- 3% in BONUSDOLLARS per dollar spent on groceries and travel.
- 1.75% in BONUSDOLLARS per dollar spent on everything else.
- Redeem BONUSDOLLARS for statement credits, financial products and services, charity, rewards, gift cards, purchases, and travel.
- 1 BONUSDOLLAR earned = $1 you can redeem. BONUSDOLLARs do not expire.
- $295 annual fee for Desjardins members, $395 annual fee for non-members.
- Airport lounge access through a complimentary Priority Pass membership, plus 6 free visits per year. 12 visits per year to the Desjardin Odyssey Lounge in the Montreal-Trudeau International Airport.
- Visa Infinite Privilege benefits including Visa Infinite Privilege Concierge, Visa Infinite Luxury Hotel Collection, Visa Infinite Dining Series, and Entertainment & Lifestyle Offers.
- Up to 25% off Hertz car rentals and up to 10% off Thrifty or Dollar rentals.
- Access to Accord D financing up to $5,000 a day cash advances at a rate of 9.9%.
- 12 types of insurance provided, including 60-day travel medical benefits — up to $5,000,000 in coverage per person under age 59. 31-day coverage is available for ages 60-64. 15-day coverage is available for ages 65-75.
- Preferred rates: 9.9% for purchases and cash advances.
- To be eligible, $150,000 (individual) or $200,000 (household) annual income, or assets under management of $400,000 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.
Rewards breakdown
Rewards breakdownPoints for every $1 spent on eligible travel purchases.
Points for every $1 spent on eligible dining purchases.
points for every $1 spent on eligible entertainment purchases.
Points for every $1 spent on eligible recurring bill payments.
Point for every $1 spent everywhere else.*
NerdWallet's take
NerdWallet's takeThis card offers a healthy return on travel spending, complimentary airport lounge access and robust travel insurance for added peace of mind. But high annual income criteria will put it out of reach for some. Best for: Higher-income earners seeking competitive rewards on travel dollars spent.
Pros
- Up to 5x points per eligible dollar spent.
- Four free airport lounge visits annually.
Cons
- High $80,000 individual or $150,000 household annual income criteria.
Card details
Card details- Get up to $1,600 in value including up to 100,000 points, Mastercard Travel Pass & 4 Complimentary Lounge Passes, NEXUS Statement Credit and the annual fee waived in the first year for both the primary cardholder and authorized users.¹ Plus, get a 0% introductory interest rate on Balance transfers for 12 months with a 2% transfer fee.∆∆∆
- 5x the points for every $1 spent on eligible travel purchases,* 3x the points for every $1 spent on eligible dining and entertainment purchases and recurring bill payments,* 1 point for every $1 spent everywhere else.*
- Now get the highest rewards points for travel of any premium flexible travel card in Canada!†
- Complimentary membership in Mastercard Travel Pass provided by DragonPass,* with four annual complimentary passes.
- Access over 1 million Wi-Fi hotspots around the world - all at no added cost, and no added fees or roaming charges.*
- Get valuable benefits and offers for digital everyday services from a variety of on-demand apps and subscription services.
- Points you can use to cover all flight charges & taxes.*
- Fly on any airline, with no blackout dates.*
- Best-in-class travel and medical insurance (unlimited trips per year).*
- BMO Concierge Service.*
- Unlock Mastercard Travel Rewards cashback offers when you travel and shop outside of Canada.
- 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.
Rewards breakdown
Rewards breakdownPoints per dollar in eligible grocery purchases.*
Points per dollar in eligible restaurant purchases.*
Points per dollar in eligible gas purchases.
Points per dollar in eligible electric vehicle charging purchases.
Points per dollar in eligible recurring bill payments.
Points per dollar in eligible À la carte travel purchases.*
Point per 1 dollar in other purchases.
NerdWallet's take
NerdWallet's takeGet up to 5x points per $1 spent on everyday expenses, expansive travel insurance and the freedom to redeem points in unique ways, like paying your mortgage or investing. Plus, get unlimited access to the National Bank Lounge at the Montreal Airport. But the minimum income requirements and $150 annual fee may exclude some users. Best for: Montreal travellers who want a flexible rewards program.
Pros
- Annual $150 travel credit.
- Unlimited access to the National Bank Lounge at the Montreal Airport.
- Comprehensive travel insurance.
Cons
- Steep $80,000 minimum income requirement.
- 5x earn rate capped at $2,500 per month.
Card details
Card details- Earn up to 40,000 Points – Earn 10,000 points when you make $2,500 in purchases in the first three months. Earn 15,000 points when you make $6,500 in purchases in the first 12 months. Earn 5,000 points when you enroll in payment insurance for at least the first three months. Offer ends on August 15, 2024.
- Earn up to 5 points per dollar in eligible grocery and restaurant purchases*
- Earn 2 points per dollar on gas and electric vehicle charging, recurring bill payments, and à la carte travel.
- Earn 1 point per dollar on other purchases.
- Points can be redeemed for travel and merchandise or to pay down a mortgage or credit card balances.
- Save on vacation packages and airline tickets when redeeming points through the A la carte Travel online agency.
- $150 annual fee. $50 annual fee for an additional card.
- Unlimited access to the National Bank Lounge at the Montreal Airport.
- Purchase protection against theft and breakage for 180 days and triple the manufacturer’s warranty, up to two additional years. Maximum coverage of $60,000 for the entire term of the account.
- Trip cancellation and trip interruption protection, worth up to $2,500 per person and $5,000 per person, respectively.
- Emergency medical care outside the province of residence up to $5,000,000 per person. Covers the primary cardholder, a spouse travelling with the primary cardholder on a trip and any accompanying dependent child.
- Departing flight delay insurance (up to $500 per person; minimum 4-hour delay) and delayed/lost/stolen baggage insurance (up to $1,000 per person for loss/damage/theft; up to $500 for delays).
- Car rental insurance (accident, fire, theft, vandalism) up to $65,000.
- Preferred rates: 20.99% for purchases, 22.49% for balance transfers and cash advances.
- Eligibility: Must have an annual gross income of $80,000, an annual household income of $150,000, at least $400,000 in assets or, for existing clients only, $25,000 in yearly minimum purchases on the card. Must also be a Canadian resident of the age of majority in the province or territory of residence.
Rewards breakdown
Rewards breakdownPoints for every $1 spent on travel via the CIBC Rewards Centre.†
Points for every $1 spent at eligible gas & electric vehicle charging stations.†
Points for every $1 spent at eligible grocery stores.†
Points for every $1 spent at eligible drug stores.†
Points for every $1 spent everywhere else.†
NerdWallet's take
NerdWallet's takeThe 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
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.
Methodology
BACK TO TOPNerdWallet Canada selects the best credit cards with airport lounge access based on overall consumer value. Airport lounge access was a baseline requirement for all the credit cards on this list, but additional features were also considered. Factors in our evaluation methodology include each card’s annual fee, foreign transaction fees, rewards earning rates, ease of use, redemption options, domestic and international acceptance, promotional APR period, bonus offers, insurance offers, and cardholder perks such as priority boarding, free checked bags, fee rebates and more.
Guide to credit cards with airport lounge access
Lounge passes are only the tip of the iceberg for a credit card with luxurious travel perks. Comprehensive insurance coverage, priority boarding and free checked bags are offered by a number of these well-equipped credit cards. That said, cards loaded with bells and whistles typically have steep annual fees.
What to know about airport lounge access
Airport lounges come in all shapes and sizes but tend to offer a similar array of amenities. Here are some luxurious perks you might expect to enjoy when visiting an airport lounge:
Complimentary alcoholic beverages.
Complimentary buffet-style or tableside service food and drink.
Electronic device charging stations.
Free Wi-Fi.
Conference rooms and business centres.
Spa treatments.
Cell-phone-free quiet zones.
Shower facilities.
Generally speaking, pay-per-use lounges have fewer amenities compared to airline lounges that require membership access. Additionally, hours of operation vary; some lounges are open 24 hours a day, while others have set open and close times.
To enter a lounge, you must typically show your lounge membership card or credit card alongside a valid piece of ID and a boarding pass. If you’re not a member and don’t have a credit card with airport lounge access, you may be able to purchase a single-use pass to enter the lounge.
» CHECK OUT: Popular loyalty programs for Canadians who love to travel
Airport lounge networks and programs
Lounge access programs, at a glance
Membership program | Benefits |
|---|---|
Visa Airport Companion Program Access more than 1,200 lounges worldwide. |
|
Priority Pass Membership Access more than 1,700 lounges worldwide. |
|
American Express Global Lounge Collection Access more than 1,400 lounges worldwide. |
|
DragonPass Access more than 1,300 lounges worldwide. |
|
Airport lounge networks
Airport lounge access credit cards in Canada may offer access to one or more airport lounge programs.
Priority Pass has over 1,500 lounges in its collection, and is one of the world’s most prominent airport lounge networks.
Mastercard Airport Experience by LoungeKey is similar to Priority Pass, but its lounge network is marginally smaller. Many World Elite Mastercards include Mastercard Airport Experience by LoungeKey via a set number of free annual passes.
The Maple Leaf Lounge program is owned and operated by Air Canada. Lounge access is typically limited to Aeroplan members, select Aeroplan credit card holders and those with an Air Canada business class boarding pass. Maple Leaf Lounges can be found in 17 airports across Canada, the U.S. and Europe.
American Express Centurion Lounges are not currently in Canadian airports, but American Express Platinum cardholders can access these lounges when they fly internationally. Centurion Lounges are located in Dallas, Las Vegas, Los Angeles, New York, Stockholm, London, Sao Paulo and Mexico City, among other destinations.
3 ways to get access to an airport lounge
There’s no need to sneak in — there’s more than one way to get into an airport lounge.
1. Get a credit card that includes lounge access
Some credit cards, such as the ones featured above, partner with airport lounge programs to offer lounge access. This access can range from unlimited entry for you and a travel companion to a set number of lounge passes annually. Be sure to read the fine print to know what type of airport lounge access the card offers.
Some cards only offer entry to a specific chain of airport lounges, like Air Canada’s Maple Leaf Lounge. Other programs, like Priority Pass, let you access numerous lounge chains worldwide.
2. Purchase an annual membership
Without a credit card that comes with airport lounge access, you have the option to buy an annual membership. For example, Priority Pass charges $469 USD annually for unlimited access to its 1,500 lounges worldwide.
Annual lounge passes can be pricey, but the cost may be worth the comfort and convenience if you’re a frequent flier.
3. Buy a lounge day pass
If you don’t fly often, the cost of an annual lounge pass may not be practical. Instead, you might want to consider single-use lounge passes. As the name suggests, these passes offer one-time airport lounge entry and are a cost-effective alternative to annual passes.
Day passes are also an option for those who’ve used up their allotted number of annual lounge passes through their credit card.
Is it better to get a credit card with lounge access or buy passes?
Whether it’s better to get a credit card that offers lounge access or purchase passes depends on a number of factors, including how frequently you fly and your financial situation. For example, if buying a single-use pass to a Plaza Premium Lounge in Toronto’s Pearson Airport costs about $66, and your card has a $150 annual fee but comes with six complimentary airport lounge passes annually, which includes access to Plaza Premium Lounges. The card’s annual fee makes sense if you plan to visit at least three Plaza Premium Lounges annually. However, if you only plan to fly once or twice a year, purchasing single-use lounge passes and opting for a credit card without an annual fee may be more cost-effective.
When assessing airport lounge access, remember that lounges do more than offer solace from the bustling airport — though that’s an undeniable perk. Lounges also offer free amenities, like food and drink, which you’d likely pay a pretty penny to acquire in the airport at large.
If you’ve got a tight layover or don’t have long to wait before your flight, you may be unable to squeeze much value from a lounge visit. But if you’re facing a long layover or a delayed flight with hours to kill before boarding, a lounge visit may have a sizable impact on the quality of your travel.
How to compare credit cards with lounge access
Credit cards that’ll get you into an airport lounge typically have a lot to offer beyond lounge passes, which means there’s a lot to consider before signing up:
Welcome bonus. Introductory rewards points or cash-back bonuses for new cardholders are common, so compare welcome offers before applying.
Rewards program. Credit cards with airport lounge access typically earn rewards. Consider your spending habits before signing up to maximize any rewards program you enter.
Insurance coverage. A card with insurance coverage — especially travel insurance — may provide frequent fliers with peace of mind. But not all cards offer this type of protection.
Annual fee. Lounge access doesn’t come cheap. Fees for the best credit cards with lounge access range from $150 to $799. Ritzier perks may accompany a card with a higher annual fee, but you have to decide if the added cost is worthwhile.
Interest rate. All credit cards charge interest, but rates vary. Your credit card’s interest rate will impact what you owe on outstanding balances, so review your options carefully.
Additional perks. Credit cards with lounge access are often flush with additional benefits for cardholders, like priority boarding, free checked bags, NEXUS application fee rebates, rental car discounts and concierge services, to name a few.
What Reddit has to say
To find the best cards in Canada with airport lounge access, NerdWallet’s credit card experts review numerous options available on the market. But our Nerds know it can also be helpful to hear what everyday cardholders think. We took to Reddit to find out what users are saying across multiple threads.
Redditors mostly agree with NerdWallet’s lounge-inclusive card picks.
As of this writing, Redditors suggest that some of the best cards with airport lounge access are The Platinum Card® from American Express, CIBC Aventura® Visa Infinite* Card and Scotiabank Passport® Visa Infinite* Card, all of which made our list. They also recommend the American Express® Gold Rewards Card, and while that card didn’t make our list, the Nerds agree it’s a good alternative.
Frequently asked questions
How do you check if you get airport lounge access with your card?
Expect credit cards that offer airport lounge access to advertise this perk on their card’s webpage. If you’re still unsure whether your card can get you into an airport lounge, scan your card’s terms and conditions — you can often find a copy online. Or, just call your card provider and ask. Expect credit cards that offer airport lounge access to advertise this perk on their card’s webpage. If you’re still unsure whether your card can get you into an airport lounge, scan your card’s terms and conditions — you can often find a copy online. Or, just call your card provider and ask.
Which credit card gives access to the Air Canada Lounge?
The following Canadian credit cards offer access to Air Canada’s Maple Leaf Lounge:
American Express® Aeroplan®* Business Reserve Card.
American Express Aeroplan Corporate Reserve Card.
CIBC Aeroplan® Visa Infinite Privilege Card.
How long can you spend in an airport lounge?
Check your credit card or lounge program for terms and conditions. Some passes only permit you to stay in the lounge for several hours. Other passes may offer longer stays.
Can you bring your own food into an airport lounge?
Some lounges may allow you to bring your food into an airport lounge. If you’re unsure, check with your lounge access program or ask the lounge staff when you arrive.
Do you tip at airport lounges?
Tipping at airport lounges is at the visitor’s discretion. The type of service offered within the lounge may be a factor. Lounge location, company policy and local culture may also be worth considering.
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Shannon Terrell
Shannon Terrell
Shannon Terrell
