Best Travel Credit Cards in Canada for 2019
Just how far can your Canadian travel credit card take you? Whether you’re a bargain hunter, snowbirder, frequent flyer or bonus surfer, we’ve predicted what we think will be the best travel credit card deals in Canada to help you soar in 2019.
How Do We Choose the Best Travel Credit Cards?
To help us derive our rankings for the best travel credit card, we first measured the value per point of each rewards program. We checked how many points were required to fly on 15 different flights for each credit card and compared it to the lowest price of each flight, giving us the true cost per point of each rewards program. We did a similar exercise for hotels.
We then evaluated earn rates, credit card bonuses, annual fees, perks, insurance coverage, foreign transaction fees, ease of redemption, and travel opportunities to determine the best travel credit card in Canada for each travel card category.
Canada’s Best Travel Credit Cards
|TD® Aeroplan® Visa Infinite||Best Travel Card for Aeroplan Members|
|Scotiabank Gold American Express®Card||Best Accelerated Earn Rate Travel Card|
|Scotiabank Passport™ Visa Infinite* Card||Best Premium No Foreign Transaction Fee Travel Card|
|BMO® AIR MILES®† World Elite®* Mastercard®*||Best Travel Card for Air Miles Members|
|BMO Rewards World Elite Mastercard||Best Premium Rewards Card With High Bonus|
|Marriott Bonvoy American Express Card||Best Hotel Rewards Card|
|Rogers™ World Elite Mastercard®||Best Foreign Currency Cash Back Card|
TD® Aeroplan® Visa Infinite
Recommended Travel Card for Aeroplan Loyalty Program Travelers
This offer is not available for residents of Quebec. For Quebec residents, please click here.
It comes as no surprise that travelers in Canada love the Aeroplan rewards program, which offers special discounts and benefits to those who fly with Air Canada. Aeroplan miles are the rewards currency that are collected via any Aeroplan card, but the best and most accessible comes from TD: the Aeroplan® Visa Infinite. This card will quickly deliver value with its generous 40000-mile introductory bonus, of which 15,000 Miles comes after a first purchase; 2X Aeroplan Miles on eligible Purchases in the first three months up to a total of 20,000 Miles and another 5,000 Aeroplan Miles when you add an authorized user before December 1, 2019.
Afterwards, cardholders will accrue 1.5 Aeroplan Miles for every $1 they spend on groceries, gas, drugstore purchases, or on aircanada.com. Every other purchase that doesn’t fit into these categories earns Aeroplan Miles at a rate of 1 per $1 spent. Cardholders will even earn double the Aeroplan Miles when spending at any Aeroplan partner store (full list available online).
Though the card’s annual fee is $120, it is rebated in the first year, and it’s also justified by the fast earnings rate and comprehensive array of other perks. Travellers on any Air Canada flight will enjoy free checked bags, priority check-in and boarding, and can relax in the Air Canada Maple Leaf Lounge once per year for free. Additionally, a suite of competitive insurance features will protect cardholders during their travels with $1 million travel medical coverage for 21 consecutive days, plus coverage for trip cancellations and interruptions, damage to a rental vehicle, trip and baggage delays, and common carrier accidents. Throw in permanent discounts for rental vehicles at Avis or Budget locations around the world, plus purchase protection and extended warranties, and the card’s value proposition is further strengthened.
The TD ® Aeroplan ® Visa Infinite card’s annual income requirement of $60,000 ($100,000 household) aligns well with its various features, but households with an income above $200,000 are eligible for the superior Visa Infinite Privilege card. This top-tier TD card offers much of the same features, but provides a higher base Aeroplan miles earn rate of 1.25 miles per $1 spent on everything. It also boosts insurance coverage and the introductory bonus, offers a 50% discounted yearly companion flight and four times the annual lounge passes (plus much more).
Scotiabank Gold American Express®Card
Recommended Travel Card for a High Accelerated Earn Rate
Travel perks and a generous welcome bonus are nice, but the whole point of having a credit card is to make purchases with it. And as long as you’re spending you might as well be simultaneously earning.
Frequent travellers should seek out the maximum ratio of points to dollars when using their credit cards in order to save as much as possible on future trips. For this purpose, there’s no card in Canada better than the Scotiabank Gold Amex.
Purchases at gas stations, grocery stores, supermarkets, restaurants, and movie theaters will earn a best-in-class rate of 5 points per $1. The ‘dining’ category also includes drinking establishments and fast food places, but for anything not covered in this broad range, every $1 spent earns 1 reward point.
Scotia allows customers to redeem their points flexibly, by booking the arrangements they prefer and then spending points to pay for them later. Supplementing this ease of use are other lucrative travel perks, including access to over 600 airport lounges around the world, and a thorough array of travel insurance benefits. The spending threshold to earn 30000 welcome points is also quite low: Canadian consumers easily spend .
Compared to the Amex CobaltTM, the Scotia Gold Amex wins out for travellers due to a slightly lower annual fee, more flexible point redemption, and a broader array of spending categories that earn accelerated rewards. The CobaltTM card accrues 5 points per $1 in food-related spending categories, but gas purchases are rewarded at a far lower rate: 3 points per $1. The Scotia Gold Amex grants 5 points per $1 on all these categories.
Scotiabank Passport™ Visa Infinite* Card
Recommended Travel Card for No Foreign Transaction Fees (Annual Fee)
Cards that reduce or eliminate foreign transaction fees are beloved by Canadian travellers, but their benefits aside from this feature might be limited. If given the option, plenty of travellers are comfortable paying more for a credit card that negates foreign transaction fees *and* adds extra perks on top. For these Canadians, there are few cards better than Scotiabank’s Passport Visa Infinite.
When comparing the Passport Visa Infinite to the other two cards that we commonly recommend for reducing foreign transaction fees—the Home Trust Preferred Visa and the Rogers Platinum Mastercard—it’s easy to see why it deserves its own category. It offers a way to completely negate all relevant fees, and yet also earns rewards and other perks that exceed the offerings from the other two cards.
To begin, new cardholders will earn 35000 Scotia Rewards points for conditions apply. That’s already enough to significantly reduce the cost of your next flight, or outright pay for a pair of Ray Ban Aviator sunglasses or other great merchandise. This provides a nice head start to the 2 points per $1 that cardholders otherwise earn on grocery, dining, and entertainment expenses. Scotia also enables cardholders to obtain 1 point per $1 spent on all their other purchases. The card’s main travel perk is its protection against foreign transaction fees, but for a $139 annual fee it should go much further still—and does.
Another excellent benefit is Priority Pass status that cardholders have at airport lounges around the world, but also the 6 passes given to them each year granting free entry. This is already a significant value (our estimation puts it at about $260 worth), but it’s made even better with the inclusion of travel insurance. The Passport Visa Infinite card is accompanied by travel medical, trip interruption and cancellation insurance, and even coverage for a rental car. Purchase protection and extended warranties represent the cherry on top, further lengthening this card’s lead over its peers. Overall, there are few options that can compete with all the value-added benefits available from the Scotiabank Passport Visa Infinite card.
BMO® AIR MILES®† World Elite®* Mastercard®*
Recommended Travel Card for Air Miles Members
For frequent fliers, there’s nothing better than a card that gives accelerated air travel rewards. These cards reward members with travel miles, free baggage, VIP lounge access, and more for their purchases. Partnered with the excellent AIR MILES program, one of the best for Canadians who travel often and love flight rewards, the BMO AIR MILES World Elite card is a clear winner in this category. It’s hard to beat the welcome offer of 3000 bonus miles, and the first year’s $120 annual fee waiver. The card offers a wealth of benefits beyond these introductory bonuses as well.
We love the BMO World Elite line of cards for their premium rewards and the flexibility they bestow on cardholders. Adding 3000 AIR MILES on top makes the offer even better—it’s the equivalent of two short-haul flights. The miles are deposited in new accounts within 45 days, making them easy to turn around and redeem on upcoming vacations or business trips. Meanwhile, cardholders will earn miles at a convenient rate of 1 per $10 spent. There are no limits on how many can be accrued, or which purchases qualify. Additionally, cardholders receive a 15% discount on all Air Miles flights in North America (no blackout periods).
The card features a comprehensive array of insurance benefits, including protection against trip cancellation, collision and damage to rental cars, out-of-province and country emergency medical assistance and purchase protections as well. While these practical characteristics are a must-have, the card’s “cherry on top” has a more luxurious theme.
Each cardholder will receive two free passes to the VIP airport lounge every year, usable at any of the hundreds of deluxe lounges that span the globe’s most popular terminals. Additionally, those who want lounge access more frequently will appreciate their new priority status, granting them unlimited entry with a small fee. All of this exceptional value is offered for no annual fee in the first year. Though applicants will be required to show a minimum of $80000 in annual income, the card’s vast benefits justify its exclusive status.
BMO® World Elite™Mastercard
Recommended Travel Card for High Rewards + Bonus
A special breed of hybrid travel credit card can provide some of the perks travellers value most, like airport lounge access and comprehensive insurance, while also collecting flexible rewards. One of the best of these is the BMO Rewards World Elite—an upper-tier rewards credit card that carries the travel-focused World Elite name. Cardholders earn 3 BMO Rewards points for every $1 they spend on travel, dining, and entertainment, then 2 points per $1 on everything else. BMO Rewards can of course be redeemed on travel, but also cash back, merchandise, gift cards and much more.
The generous introductory bonus is what makes the BMO World Elite card stand out, however, rewarding cardholders who spend at least $3,000 in their first 3 months with 35,000 rewards points and the first year’s annual fee waived (apply by October 31, 2019). With a regular $150 annual fee, the total value of the bonus is $400, making the card virtually free in its first year. Considerable value is added by the card’s luxe travel features, including complimentary membership to Mastercard’s LoungeKey program and 4 free passes into any worldwide lounge in the network every year. The card also provides great insurance like travel medical ($2 million up to 21 days), trip cancellation and interruption, and more.
Click here to apply for the BMO World Elite Mastercard
Marriott Bonvoy American Express Card
Recommended Travel Card for Free Hotel Stays
Hotels are both a large expense and an important part of the comfort and enjoyment that one finds on their trips. For these reasons travel credit cards that offer free nights, upgrades, and other luxurious perks at worldwide hotels are popular among travellers. The Marriott Bonvoy Amex tops this category in Canada by a wide margin, with a 50,000-point welcome bonus that’s immediately enough for 3 free nights at hotels in Marriott’s impressive network. On top of that, cardholders also get an extra free night annually.
The Marriott Bonvoy network includes over 7,000 participating hotels worldwide of various brands, and when you make purchases with the Bonvoy card in these locations, you’ll earn 5 points for every $1 spent. You also earn 2 points per $1 spent anywhere else. For a $120 annual fee, you can also expect a good variety of extra features like an automatic upgrade to Marriott Bonvoy Gold Status each year that you spend $30,000 or more, 15 annual Elite Night Credits that go toward your Status upgrade, a decent insurance package (though it doesn’t include travel medical or trip cancellation/interruption), and more.
A useful feature of the Bonvoy card is that your points can also be transferred to several partner frequent flier programs, so you don’t have to use them exclusively on hotels. Finally, as an upper-tier Amex, cardholders will also appreciate nice privileges like Front of the Line and other exclusive entertainment services.
Rogers World Elite Mastercard
Recommended Travel Card for Cash Back on Foreign Purchases (High Income Requirement)
Instead of being exempt from foreign transaction fees altogether, other credit cards entertain a different strategy. The Rogers World Elite Mastercard is one of these, employing a unique model to defray foreign fees of 2.50% or more while accumulating cash back on top. Cardholders will earn an impressive 4% cash back on all their purchases made in a foreign currency, meaning that after they incur fees, they’re left with 1.5% cash back. In addition, they can enjoy 1.75% cash back on all other purchases, and 2% on Rogers or Fido services.
The card resembles Rogers’ other card in this category—the Platinum Mastercard—but has greater cash back rates and better perks. For these privileges, applicants will need to demonstrate an annual income of $80000 individually. There is $0 annual fee. If one cannot make the annual income requirement, then the Rogers Platinum card offers 3% cash back on foreign purchases and 1.25% domestically.
Another way that the World Elite Mastercard comes out ahead of the Platinum Mastercard concerns travel benefits. The former card includes purchase protection and extended warranties, emergency travel medical insurance, and coverage for rental car collisions and damage, trip cancellation and trip interruption as well.
Comparison of The Best Travel Rewards Credit Cards in Canada
|Credit Card||Bonus||Yearly Fee||Min personal income required|
|TD® Aeroplan® Visa Infinite||40000 pts||$120 |
first year free
|Scotiabank Gold American Express®Card||30000 pts||$120||$12000|
|Scotiabank Passport™ Visa Infinite* Card||35000 pts||$139||$60000|
|BMO® AIR MILES®† World Elite®* Mastercard®*||3000 miles||$120, |
first year free
|BMO Rewards World Elite Mastercard||35000 pts||$150|
first year free
|Marriott Bonvoy American Express Card||50000 pts||$120||N/A|
|Rogers™ World Elite Mastercard®||$25||$0||$80000|
Alternative Canadian Travel Credit Cards
Didn’t see what you’re looking for? There are a number of niche credit cards in the market designed for the specific needs and travel tastes of different Canadians. We’ve included the below options for travellers that value flexible rewards point redemption, value-rich signup bonuses, extensive insurance protections, and low barriers for approval.
The Cobaltᵀᴹ Card by American Express
Recommended Travel Card for Millennials
Millennials are often mistakenly assigned labels, but there can be no doubt that this age group has certain unique spending habits. A convenience-focused lifestyle means lots of taxis and Ubers, food and drink that doesn’t necessarily come from the grocery store, and entertainment whenever there’s time. The Cobaltᵀᴹ card by American Express is one of the small handful of credit cards that earns at an accelerated rate on these kinds of purchases. This makes it an ideal tool for millennials who want their most common expenses to earn rewards points that can be spent on future trips, merchandise, streaming subscriptions and even on Amazon or Ticketmaster.
The Cobaltᵀᴹ card earns 5 Membership Rewards points for every $1 spent on restaurants, bars, cafés, and delivery food, and then 2 points per $1 spent on travel, transit, and gas. That includes taxis, trains, subways, and ride-sharing apps, as well as points for filling up your own car or on travel-related purchases like hotels. You’ll get 1 point per $1 elsewhere. As an introductory bonus, Amex awards new Cobaltᵀᴹ cardholders with up to 30,000 points in their first year—2,500 for each month that they spend at least $500 on the card. As for the Cobaltᵀᴹ card’s own fee, it’s $10 monthly ($120 per year).
Extra perks go toward solidifying the Cobaltᵀᴹ card as a good tool for travellers, including surprisingly great insurance such as emergency medical, flight delay, baggage delay, hotel and motel burglary, car rental theft and damage, and more. The American Express Front of the Line and entertainment services which come with other Amex cards are also likely to be appreciated by this group.
The American Express® Gold Rewards Card
Recommended Travel Card for Flexible Point Transfers
A flexible travel credit card allows you to make any travel related purchase on your card, then call or go online to pay for it with your points, allowing you to benefit from the best deals or options you can find. Some even allow you to convert your points into an alternative frequent flyer program.
The American Express Gold Rewards card is special because of its phenomenal rewards value and its unparalleled flexibility. Earn a welcome bonus of 25000 Membership Rewards points (redeem for $250 against any travel or transfer to Aeroplan 1:1 for 25000 Aeroplan miles).
Ongoing value is strong. Earn double points on gas, grocery, drugstore & all travel related expenses (air, water, rail and road transport, lodging and tour operator sales). Each Amex point is worth 1 cent. As a result, the base rewards rate is worth 1% and the bonus rewards rate is worth 2%. If you transfer your points to Aeroplan, the base rewards rate is worth 1.28% and 2.56% on bonus categories, which is stellar. The insurance package is phenomenal.
What makes this card the gold standard of flexibility in Canada however, is that you can book any travel related purchase (flight, cruise, train, hotel, or rental car) on the card, and then use your points to pay ANY of the travel expenses that show up on your statement, including taxes & fees. You can ALSO choose to transfer your Membership Rewards points to Aeroplan or British Airways AVIOS points 1:1 with no additional charges – secretly making this the most valuable Aeroplan card on the market.
The Amex Gold Rewards card beats RBC’s Visa Infinite Avion card for three reasons. First, it has a higher sign-up bonus. Second, you can earn double points on travel expenses (in addition to gas & groceries). Third, Amex allows you to redeem for any travel expense on your statement at full value, while if you redeem with RBC’s Payback with Points feature, you’ll get closer to half a penny per point.
In the end, Amex gives the cardholder additional flexibility to take advantage of promotions and cost saving opportunities in both the Aeroplan and Avion programs, without sacrificing any value if you decide to redeem for any travel purchase.
American Express Platinum Card
– Credit score required: good_excellent
– Min personal income required: N/A
– Annual fees: $699
There are few travel cards which can match the premium benefits offered by the Amex Platinum Card. A $200 Annual Travel Credit is great for reducing the price of a hotel or flight through American Express Travel booking, and the Card’s introductory bonus of 50,000 Membership Rewards points (conditions apply) is worth $500 if redeemed on travel (or $350 on cash back). Just these two benefits alone cover the card’s $699 annual fee in its first year.
A steady source of Amex Membership Rewards points come from regular spending, with 3 points per $1 spent on eligible dining in Canada, 2 points per $1 spent on eligible travel and 1 point per $1 spent on all other Card purchases. These points can be redeemed for airfare and hotels; for merchandise or gift cards; or even exchanged 1:1 for other rewards from programs like Aeroplan or Marriott.
As a Platinum cardholder, you’ll automatically enjoy status at many international hotel brands, like Hilton, Shangri-La, Marriott, and Radisson, and enjoy benefits at Pearson Airport in Toronto, such as valet services for your car, discounted parking, and security bypass. The Card’s most significant benefit is unlimited free access to over 1200 worldwide airport lounges, including Priority Pass ($399 USD value annually) and Centurion lounges, which represents tons of extra value for those who often find themselves on a layover. Finally, excellent insurance including extensive coverage for Out of Province/Country Emergency Medical Insurance*, Trip Cancellation/Trip Interruption Insurance*, Flight and Baggage Delay Insurance*, and Car Rental Theft and Damage Insurance* wrap up the Platinum Card’s premium suite of benefits.
*For full details, current product information and Terms and Conditions, click the Apply now link. Conditions apply.
Desjardins Odyssey World Elite Mastercard
Recommended Travel Card for Seniors
In terms of high-quality, comprehensive health insurance, Desjardins goes where other credit cards don’t. The majority of credit cards available to Canadians stop covering cardholders with travel medical insurance once they reach age 65, though some do cover seniors less than age 75 for a few days or so. The Odyssey World Elite Mastercard blows its peers out of the water by providing insurance for 60 consecutive days for people age 59 or under, 31 days for those age 60 to 64, and 15 days for people between the ages of 65 and 75. Cardholders who are older than 75 can simply call Desjardins to purchase separate coverage through their card.
Thorough medical coverage for seniors is unusual in the Canadian card market, but the Odyssey World Elite also allows cardholders to earn 2.00% back in Desjardins Bonusdollars on their purchases, and take advantage of other insurance benefits as well. Bonusdollars can be spent on a wide variety of nice rewards like cash credits, merchandise, travel and more. Other insurance benefits include trip cancellation, baggage, rental car, and travel accident coverage. Though its annual fee is a bit steep at $130, Desjardins adds to the card’s value proposition with up to 20.00% off at Hertz worldwide, access to the Montréal-Trudeau VIP airport lounge, and $1,000 worth of mobile phone coverage for new phones bought with the card.
Home Trust Preferred Card
Recommended Travel Card for No Foreign Transaction Fees (No Annual Fee)
For avoiding those pesky foreign transaction fees that quietly accumulate in the background while you travel, the Home Trust Preferred credit card is a winner. These fees make any business trip or vacation that much more expensive, by charging a minimum of 2.50% on every purchase made in a foreign currency. Be careful, because this can also apply to online shopping for websites that don’t offer checkout in CAD.
Home Trust offers cardholders complete exemption from foreign transaction fees, plus the ability to earn 1% cash back on all their purchases. This means that essentially cardholders will earn money for spending overseas and at home as well. There are no limits on how much cash back can be earned, but Home Trust adds some extra benefits to round out an already beneficial offer. Cardholders will appreciate the inclusion of roadside assistance: you can obtain towing services up to 5 kilometres, gas delivery up to 5 litres, free tire change, battery boost, and locksmith service.
For a $0 annual fee, there are few reasons for frequent travellers and international online shoppers not to add the Home Trust Preferred Visa to their wallet.
Meridian Visa Infinite* Travel Reward Card
Recommended Travel Card for Insurance Coverage
The arsenal of insurance benefits provided by the Meridian Visa Infinite Travel Rewards card is quite impressive. It not only includes all the best travel insurance features, such as travel medical insurance coverage of $5 million for up to 48 consecutive days for those under age 75, but also rarer benefits that even top-tier cards don’t often have. Mobile device insurance is highly relevant for travellers, and covers one’s phone or tablet up to $1,000 in the event it’s stolen, damaged, lost, or malfunctioning. If you purchase an expensive new phone and are worried about its safety during an upcoming trip, this perk could be a major money saver.
Other standard, but nevertheless useful insurance is provided by the card for trip cancellations and interruptions, rental car collisions and damage, your baggage, and even travelling grandchildren. To add to the Meridian Visa Infinite’s selection of protective benefits, it’s nice to see not only extended warranties and purchase protection, but also price protection. This is a relatively uncommon feature that offers reimbursement on items that you’ve purchased, should they go on sale for a cheaper price after you bought them.
In terms of rewards, the card collects 1.5 points per $1 spent on all net purchases, ensuring a constant flow of value. It also earns 3 points per $1 when you make any purchase in a foreign currency, which makes it even better for use abroad because it will help to offset the constant annoyance of foreign transaction charges. Points can be spent on travel with over 100 different airlines, vacation packages, gift cards and more. All this is offered for an annual fee of just $99, and even that is negated in the first year via a rebate. The annual income requirement for the Meridian Visa Infinite Travel Rewards card is $60000 individually or $100,000 for a household.
Rogers™ Platinum Mastercard®
Recommended Travel Card for Cash Back on Foreign Purchases (Low Income Requirement)
Most banks charge a foreign transaction fee of 2.5% on top of the near spot market currency conversion rate charged by Visa or Mastercard. A ‘no foreign transaction fee’ card charges no fees above the conversion rate, or provides extra rewards to subsidize the rate, meaning you’re getting pretty close to the spot rate when using the card to make a purchase in a foreign currency!
While not a travel card per se, the Rogers Platinum Mastercard is one of a select few credit cards in Canada that subsidize foreign transaction fees. It won the category because it offers 3% cash back rewards on ALL foreign purchases, comes with $0 annual fee, a 1.25% cash back rewards rate on all Canadian spend & you can redeem against your everyday purchases like gas and groceries, travel, on Rogers/FIDO bills and more. Although Rogers subsidizes foreign transactions a little differently, it remains the best way to make purchases in a foreign currency. Most credit cards offer 2% or less rewards per dollar spent and charge 2.5% in foreign transaction fees, for a net loss of 0.5%. Others (like the Home Trust Preferred card) offer 1% cashback and no foreign transaction fees, for a net gain of 1%, but limit the number of daily transactions on the card. Rogers offers 3% cashback rewards on foreign purchases, with a 2.5% foreign transaction fee, for a net cashback rewards gain of 0.5% – with no transaction limits. You’re making money on each purchase you make in a foreign currency!
You can redeem your cashback rewards as a statement credit once per year or flexibly on purchases that appear on your monthly statement. Alternatively, you can redeem your cash back rewards for Rogers, FIDO, or Chatr services or products.
Rogers offers a $25 welcome bonus in cash back rewards when you make your first purchase within 90 days of receiving your card, and $0 annual fee. Be warned though that this card does not have a very strong travel insurance package. It’s best to use for purchases abroad or for foreign internet purchases, but not to book your flight, if you want trip cancellation coverage.
The Rogers Platinum Mastercard outshines the Home Trust Preferred Visa card—one of the few other Canadian credit cards to either subsidize or waive foreign trans. fees—because, although it offers ‘only’ 0.5% extra cash back rewards after factoring in the foreign transaction fees (compared to the 1% cash back you get with Home Trust), it earns more cash back on domestic purchases, at 1.25% (versus 1% for the Home Trust). Plus it doesn’t limit cardholders to a certain number of transactions per day. The Home Trust card, though an amazing asset for Canadian travellers, has a 10-transaction daily limit.
Apply: Rogers™ Platinum Mastercard®
MBNA Best Western Rewards® Mastercard®
Recommended Travel Card for Free Lodging (Mastercard)
– Credit score required: fair_good
– Min personal income required: N/A
– Annual fees: $0
– This offer is not available for residents of Quebec. For residents of Quebec, please click here
Most travel credit cards focus on generating rewards for the flight to your destination, so it’s great to find a travel credit card that covers your vacation stay for a change. The MBNA Best Western Rewards® Mastercard® makes it faster and easier to earn Best Western Rewards points for hotel stays, dining and gift cards.
The MBNA Best Western Rewards® Mastercard® stands out for the speed with which you can earn Best Western Rewards® points and the ease of redeeming them for hotel stays and other treats.
First up, there’s a massive 20000-point welcome bonus dangling before you, which will drop into your lap as soon as you make your first eligible purchase. That’s enough for one night’s stay in a Best Western hotel all on its own. When you make this eligible purchase, you’ll also be bumped up to Gold Elite status, which gives you extra bonus points per stay and other special upgrade options, like early check-in and late check-out.
Then, there’s the high earn rate for Best Western Rewards® points, with every $1 spent at a Best Western property earning 5 points. You’ll get one point for each dollar spent anywhere else.
Finally, you’ll enjoy full flexibility when redeeming your points. You can swap them for points with other rewards programs, redeem them for virtual gift cards, special merchandise, or charitable donations as well as of course for free night stays in Best Western hotels worldwide. Remember, there’s a $0 annual fee for the card, so all of this is effectively free.
Meridian Visa*Platinum Travel Rewards Card
Recommended Travel Card for Fair/Average Credit Scores
The Meridian Visa Platinum Travel Rewards card doesn’t just help you earn travel rewards, it’s also a very useful card to take with you when you travel. You’ll earn 1 travel reward point for every $1 you spend on all purchases, and 2 travel reward points on every $1 that you spend in a foreign currency. You can redeem your Meridian travel rewards points for flights, hotel stays, cruises, gift cards, merchandise, or event tickets.
Aside from its attractive earn rates, the Meridian Visa Platinum Travel Rewards card looks after you while you’re travelling. The card includes baggage insurance of up to $1,000 per person, common carrier accident protection of up to $500,000, and auto rental collision or loss insurance, as well as a 24/7 travel assistance hotline. You’ll also get standard extended warranty and purchase protection, mobile device insurance of up to $1,000, and a price protection service that reimburses you up to $100 if you find that an item you charged to the card is advertised for a lower price later on (within 60 days of your original purchase).
Choose a Card Companion for Your Trip
There are many types of travel reward credit cards available in Canada, because different Canadians like to travel in different ways. There are cards that earn miles quickly, cards that make a trip as luxurious as possible, and cards that offer impressive insurance protection. Finding the right one depends on many considerations, but the most important is how your spending habits align with the card’s rewards plan.
If you’re still undecided, compare travel credit cards canada with our travel rewards calculator, which will help you determine your ideal travel card based on many of the criteria mentioned above. Just enter your estimated monthly expenses and some other basic details to get a look at what you stand to earn.
Learn more about the most popular loyalty programs credit cards by comparing aeroplan vs airmiles vs avion cards.
* This post was not sponsored. The views and opinions expressed in this review are purely my own.