Best Credit Cards in Canada

Accumulating points and miles through credit cards is a pretty good way to travel for (almost) free, and it’s also a good way to indulge in products that we wouldn’t otherwise pay for. Yes, I’m talking to you, business class seat, or you, highly priced hotel room!

While I’m still new at that game, I compiled a list of the best credit cards in Canada (in my opinion) and their current offers. The market in Canada is not as developed as it is in the United States, but with a little work, it’s still possible to accumulate a decent amount of points from sign up bonuses, as well as spend that you put on those cards.

Here is the list I have compiled so far of the cards that are, in my opinion, the most interesting. Please comment below if you would like me to add some to the list!

American Express Credit Cards

The American Express Gold Rewards Card

  • Sign-Up Bonus: 25 000 Membership Rewards Points after spending 500 $ in 3 months
  • 2 points per dollar on Travel, Gas, Groceries and Drugstore purchases
  • 1 point per dollar on everything else
  • Transferable 1:1 to Aeroplan or Avios, other transfers possible
  • First year free, 150 $ after that
  • You can contact me if you want a referral for that card

The American Express Business Gold Rewards Card

  • Sign-Up Bonus: 30 000 Membership Rewards Points after spending 5000 $ in 3 months
  • 2 points per dollar on 3 suppliers of your choice
  • One point per dollar on everything else
  • Transferable 1:1 to Aeroplan or Avios, other transfers possible
  • First year free, 250 $ after that

The Platinum Card

  • Sign-Up Bonus: 50 000 Membership Rewards Points after spending 1000 $ in 3 months
  • 1.25 point per dollar on every type of spending
  • Transferable 1:1 to Aeroplan or Avios, other transfers possible
  • 699 $ Annual Fee
  • 200 $ Annual Travel Credit
  • Various Travel Advantages (Such as select lounge access)

The Business Platinum Card

  • Sign-Up Bonus: 40 000 Membership Rewards Points after spending 5000 $ in 3 months
  • 1.25 point per dollar on every type of spending
  • Transferable 1:1 to Aeroplan or Avios, other transfers possible
  • 399 $ Annual Fee
  • Various Travel Advantages (Such as select lounge access, Select Hotel Elite Status)

The Starwood Preferred Guest Credit Card

  • Sign-Up Bonus: 20 000 Starpoints after spending 500 $ in 3 months
  • 1 Starpoint per dollar on every type of spending
  • Transferable to airline programs (5 000 bonus points when you transfer 20 000 points)
  • Automatic upgrade to Starwood Gold when you reach 30 000 $ of spending in one year
  • Annual fee of 120 $

The Starwood Preferred Guest Business Credit Card

  • Sign-Up Bonus: 20 000 Starpoints after spending 1000 $ in 3 months
  • 1 Starpoint per dollar on every type of spending
  • Transferable to airline programs (5 000 bonus points when you transfer 20 000 points)
  • Automatic upgrade to Starwood Gold when you reach 30 000 $ of spending in one year
  • Annual fee of 150 $

The American Express AeroplanPlus Card

  • Sign-Up Bonus: 5 000 Aeroplan Miles after the first purchase
  • 1 point per dollar spent
  • Points accumulate as Aeroplan directly
  • First year free, 60 $ after that

The American Express AeroplanPlus Gold Card

  • Sign-Up Bonus: 25 000 Aeroplan Miles after spending 500 $ in 3 months
  • 1 Aeroplan Mile per dollar spent up to 10 000 $, 1.25 after that
  • Points accumulate as Aeroplan Miles directly
  • Annual fee of 120 $

The American Express AeroplanPlus Platinum Card

  • Sign-Up Bonus: 40 000 Aeroplan Miles after spending 1000 $ in 3 months
  • 1.25 Aeroplan Mile per dollar spent up to 10 000 $, 1.5 after that
  • Points accumulate as Aeroplan Miles directly
  • Access to Air Canada Maple Leaf Lounges
  • Annual fee of 499 $

 TD Credit Cards

The TD Aeroplan Visa Infinite Card

  • Sign-Up Bonus: 15 000 Aeroplan Miles after 1st purchase and 10 000 additional Aeroplan miles after spending 1000 $ in 3 months
  • 1.5 Aeroplan Mile per dollar spent at grocery stores, gas stations, drugstores and at Aircanada.com, 1 point per dollar spent on everything else
  • Points accumulate as Aeroplan Miles directly
  • Various Air Canada benefits when travelling on a Reward flight
  • Annual fee of 120 $

The TD Aeroplan Visa Platinum Card

  • Sign-Up Bonus: 10 000 Aeroplan Miles after 1st purchase and 5 000 additional Aeroplan miles after spending 1000 $ in 3 months
  • 1 Aeroplan Mile per dollar spent at grocery stores, gas stations, drugstores and at Aircanada.com, 1 point per 1.5 dollar spent on everything else
  • Points accumulate as Aeroplan Miles directly
  • Annual fee of 89 $

The TD Aeroplan Visa Infinite Privilege Card

  • Sign-Up Bonus: 25 000 Aeroplan Miles
  • 1.5 Aeroplan Mile per dollar spent at grocery stores, gas stations, drugstores and at Aircanada.com, 1.25 point per dollar spent on everything else
  • Points accumulate as Aeroplan Miles directly
  • Various Air Canada benefits when travelling on Air Canada
  • Annual fee of 399 $

RBC Royal Bank Credit Cards

The RBC Visa Infinite Avion Credit Card

  • Sign-Up Bonus: 15 000 RBC Rewards Points
  • 1.5 point per dollar spent on travel purchases, 1 point per dollar spent on everything else
  • Points can be converted 1:1 to programs such as Avios or AAdvantage
  • Points can be used to pay for plane tickets (RBC’s own award chart for any seat available)
  • Annual fee of 120 $

The RBC Avion Visa Infinite Privilege Credit Card

  • Sign-Up Bonus: 25 000 RBC Rewards Points upon approval
  • 1.25 point per dollar spent on the card
  • Points can be converted to programs such as Avios or AAdvantage
  • Points can be used to pay for plane tickets (RBC’s own award chart for any seat available)
  • Various travel benefits
  • Annual fee of 399 $

The RBC British Airways Visa Infinite Credit Card

  • Sign-Up Bonus: 15 000 Avios Points upon approval
  • 2 points per dollar spent with British Airways
  • 1 point per dollar spent on everything else
  • Points accumulate in Avios
  • Annual fee of 165 $

Did I left out a card that you think is interesting enough to be included here? Please let me know in the comments below!

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