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The Best Travel Rewards Credit Cards in Canada for May 2024

Updated:

Fact Checked

Canadians love to travel. Whether it be to escape the winter (snowbirds), for a summer vacation abroad, or any travel for that matter, the best travel credit cards in Canada can help you save a ton of money.

These credit cards offer a combination of rewards, including comprehensive travel insurance, free airport lounges, sign-up bonuses, and travel perks that can make your vacations much more enjoyable.

Because the cards on this list are awesome and offer real value, you will also find some of them on my list of best cash back credit cards and best credit cards with no foreign transaction fees in Canada.

Featured Travel Cards

Scotiabank Gold American Express® Card

Scotiabank Gold American Express Card
Apply Now

On Scotiabank’s website

Welcome Bonus

$400

Annual Fee

$120

Regular APR

20.99%

Credit Score

760

American Express Cobalt Card

amex cobalt new card
Apply Now

On Amex’s website

Welcome Bonus

$150

Annual Fee

$155.88 ($12.99 paid monthly)

Regular APR

20.99%

Credit Score

660

EQ Bank Mastercard

eq bank card-img
Apply Now

On EQ Bank’s website

Welcome Bonus

N/A

Annual Fee

$0

Regular APR

0%

Credit Score

N/A

Table of Contents Show

Best Travel Credit Cards in Canada for 2024

Many of these two cards are the epitome of everything you want in a great card: high earn rates, easy and flexible redemption, solid sign-up bonuses, multiple perks, and a reasonable annual fee.

Read on to see what each card offers for perks and benefits, their annual fees, income eligibility, and any downsides.

1. Scotiabank Gold American Express Card

Scotiabank Gold American Express Card

Best travel credit card in Canada

Annual fee: $120

Rewards: Earn up to 6x Scene+ points on groceries, 5x pts. on dining, food delivery, & entertainment, 3x pts. on gas, and 1x pts. on everything else.

Welcome offer: Get up to 40,000 bonus Scene+ points in the first 12 months.

Interest rates: 20.99% for purchases, 22.99% for cash advances.

Minimum income requirement: $12,000

Recommended credit score:
660
900

Good

Scotiabank Gold American Express Card

On Scotiabank’s website

  • Zero foreign transaction fees when travelling overseas or shopping abroad.
  • Earn 6x Scene+ points at select grocery stores, including Sobeys and Safeway.
  • Earn 5x points on dining or food delivery at select stores and restaurants as well as select movies, theatres and ticket agencies.
  • Earn 3x points on eligible gas and transit purchases.
  • Earn 1 point for every $1 CAD spent on eligible purchases.
  • Comprehensive travel insurance benefits and extended warranty protection are included.
  • Priority Pass™ membership discount to access VIP lounges.
  • Amex Offers® including deals on shopping, travel and dining.
  • Access to Front Of The Line® presale tickets to concerts, restaurants and events.
  • Minimum annual income of $12,000 required.

Earn up to 6x Scene+ point

Lots of premium perks included

No foreign transaction fees

Low income eligibility at $12,000

Expensive annual fee

$29 fee for each additional card

Scotiabank Gold American Express Card provides a great opportunity to earn Scene+ points on all purchases and extra points on select purchases. Its zero foreign transaction fees and travel insurance coverage make it a good choice for travellers.

The Scotiabank Gold American Express is one of Scotiabank’s best credit cards, with a top-notch earn rate and a variety of redemption options. It offers:

  • $120 annual fee (waived in the first year)
  • Earn 20,000 bonus Scene+ points ($250 value) when you spend $1,000 in the first 3 months plus an extra 20,000 bonus points ($200 value) when you spend at least $7,500 in the first year (total bonus valued at $450)
  • Earn 6 points for every $1 spent at Sobeys, Safeway, FreshCo, Foodland, and other partner stores
  • Earn 5 points for every $1 spent on groceries, dining, and entertainment
  • Earn 3 points for every $1 you spend on gas, daily transit, and streaming services
  • Earn 1 point for every $1 spent elsewhere
  • No foreign transaction fee (a 2.5% savings on foreign currency purchases)
  • Comprehensive travel insurance including travel emergency medical, flight delay, trip cancellation/trip interruption, travel accident, rental car, hotel/motel burglary, delayed and lost baggage insurance.
  • Purchase security and extended warranty
  • Discounted Priority Pass membership (35% off) with access to 600+ VIP airport lounges worldwide
  • Special access to events with American Express Invites
  • Up to 25% discount on AVIS and Budget car rental
  • Complimentary 24/7 concierge services

The 5-6% rewards rate for this card on grocery, dining, and entertainment purchases are great. Add in the $450 bonus offer (45,000 points), and the $120 annual fee is easily paid off.

Personal income eligibility for the Scotiabank Gold Amex is very low at $12,000 per year. You can also read my complete Scotiabank Gold American Express review.

2. American Express Cobalt Card

American Express Cobalt Card

Best for travel rewards and perks

Annual fee: $155.88 (in monthly payments of $12.99)

Rewards: Earn up to 5X points on high-spend categories.

Interest rates: 20.99% on purchases and 21.99% on cash advances.

Minimum income requirement: No minimum income or credit limit requirements.

Recommended credit score:
660
900

Good

amex cobalt new card

On Amex’s website

  • Earn 5X points on food and drink purchases, including delivery.
  • Earn 3X points on streaming subscription bills.
  • Earn 2X points on travel and transit purchases.
  • Earn 1X points on all other eligible purchases.
  • Get 1 additional point for every dollar you spend on hotel or rental car bookings through American Express Travel.
  • Redeem points on travel with 1:1 transfers to several frequent flyer programs.
  • Enjoy exclusive access to tickets, virtual events, live performances, and more through American Express Experiences.
  • Access various travel insurance benefits, including emergency medical ($5M), travel accident ($250K), flight delay, baggage delay, hotel burglary, and rental car insurance.
  • No minimum income or credit limit requirements.

Attractive point redemption options

Comprehensive travel coverages

No minimum income requirement

5x points category is limited

High purchase APR at 20.99%

The American Express Cobalt Card offers a competitive points system with attractive point redemption options. With no minimum income requirement, it is an accessible option for those interested in a strong rewards system with comprehensive travel benefits.

The American Express Cobalt is not just a travel card; it is also great for earning rewards on your everyday spending. Here’s what you get:

  • $12.99 monthly fee ($155.88 annual)
  • Earn up to 15,000 in bonus points ($150 value) in your first year
  • Earn 5 points for every $1 spent at grocery stores, restaurants, bars, and cafes
  • Earn 3 points for every $1 spent on streaming subscription services
  • Earn 2 points for every $1 spent on gas, travel, and transit purchases
  • Earn 1 point for every $1 spent on all other purchases
  • Comprehensive travel insurance, including emergency travel (up to $5 million), flight and baggage delay, hotel/motel burglary, lost or stolen baggage, car rental, and travel accident insurance (up to $250,000)
  • Purchase protection plan and extended warranty
  • Access to VIP perks, including Amex Invites with Front Of The Line Access to in-demand events
  • Multiple rewards redemption options
  • Free supplementary cards

In addition to great travel rewards, the Amex Cobalt card also has one of the highest earn rates for grocery and food purchases in Canada.

Its 15,000 bonus points are achievable and only require you to charge at least $750 to the card every month.

American Express offers multiple ways to use your points, including:

  • Flights through their Fixed Points Program, e.g. a long-haul flight between the U.S. and Canada requires 40,000 points at a maximum ticket price of $700.
  • Instantly for purchases on almost anything.
  • Ticketmaster.ca, where 2,000 points are equivalent to $20.
  • Amazon.ca, and more.

Best Prepaid Travel Credit Cards

This prepaid travel card is light on your wallet, and you won’t have to worry about interest or hefty annual fees. It offers the convenience of credit cards and helps you waive foreign currency transaction fees.

3. EQ Bank Card

EQ Bank Card

Rewards: Earn 0.50% cash back on all purchases and up to 4.00% savings interest on your entire balance.

Perks: Free ATM transactions in Canada, no foreign currency transaction fees abroad, and unlimited transactions.

Interest rate fee: 0%

Annual fee: $0

The EQ Bank Card waives foreign currency transaction fees and has no annual fees. You can also use it at any ATM in Canada and pay no ATM fees.

Even better, this card earns 0.50% cash back on all purchases. And you get 2.50% saving interest on your balance.

4. KOHO Extra Prepaid Mastercard

KOHO Extra (Premium) Prepaid Mastercard

Premium prepaid card in Canada

Annual fee: $9/month or $84/year

Rewards: Earn 1.5% cashback on 3 spending categories, and earn 0.5% cash back on other purchases. Up to 5% cash back at partner retailers. Get paid % interest on your balance.

Welcome offer: $20 welcome bonus when you sign up using the CASHBACK promo code and make your first purchase.

Interest rates: 0%

Minimum income requirement: None

Recommended credit score:
N/A

None

koho extra premium card-img

On KOHO’s website

  • Earn up to 5% cash back on purchases at partnered merchants and a higher minimum cash back rate on most purchases.
  • Earn 5% high interest on your balance.
  • No foreign exchange fees.
  • Get priority user support.
  • Get access to a financial coach to answer financial questions.
  • Get one free withdrawal per month at an international ATM.
  • Easily subscribe to credit building and improve your credit score.

Earn up to 5% cashback

No foreign exchange fees

No interest fees

Earn on your balance

Has a monthly or annual fee

Cash back rate is not as high as some cards

The KOHO Premium Prepaid Mastercard offers cashback on all purchases and pays interest on your balance. Waivers for foreign exchange fees and a free international ATM withdrawal make it a suitable option for travellers.

The KOHO premium Mastercard waives the foreign currency transaction fee and pays up to 2% instant cash back on your purchases.

Here are some of the benefits offered by KOHO:

  • No FX fees
  • Automatic savings using the roundup feature
  • Earn 4% interest on your balance
  • Earn cash back on purchases with 2% on three categories of spending and at select merchants
  • Get a $20 welcome bonus after you make your first purchase with the card (CASHBACK promo code is automatically applied via our link)
  • No monthly account fees for the basic account ($9 for KOHO Premium)
  • Price matching
  • Free financial coaching
  • 1x free international ATM withdrawal/month

Read our KOHO Premium review.

Best Travel Credit Card for Airport Lounge Access

If you want a travel credit card that’s excellent for airport lounge access and premium perks, The Platinum Card from American Express is a good bet.

5. The Platinum Card from American Express

American Express Platinum Card

Top credit card for VIP perks

Annual fee: $799 (and $250 annual fee for additional cards)

Rewards: Earn 2x Membership Rewards Points on dining and food delivery, 2x pts. on travel and 1x pts. on everything else.

Interest rates: Variable (charge card)

Minimum income requirement: N/A

Recommended credit score:
760
900

Very Good

American Express Platinum Card

On Amex’s website

  • Earn 2x Membership Rewards Points on food delivery and dining purchases.
  • Earn 2x points on travel purchases.
  • Earn 1x points on other purchases.
  • Use earned points to save on almost any purchase.
  • No preset spending limit.
  • Get a $200 annual travel credit on American Express Travel Online.
  • Get a $200 annual dining credit at some of Canada’s best restaurants.
  • Get access to over 1,300 airport lounges around the world.
  • Engraved and precision-cut metal card.
  • Comprehensive travel insurance benefits are included.
  • American Express® Experiences, including Front of the Line Presales, Retail, Dining, and Wellness benefits.
  • Shopping coverage protects eligible purchases.

Earn up to 2x Membership Rewards Points

Use points to save on almost anything

Packed with premium perks

Engraved metal card

Very high annual fee

High annual fee for additional cards

The American Express Platinum Card is a premium card packed with benefits. It allows you to earn up to 2x Membership Rewards Points, which can then be used to save money on other purchases. It also comes with many premium perks, like access to airport lounges and comprehensive travel insurance coverage.

6. Neo Travel Card

You can turn your Neo Card™ into a premium travel credit card by subscribing to Travel perks for $4.99 per month. This unlocks over $360 in annual value.:

  • 2% cash back on foreign currency transactions
  • Priority Pass airport lounge access at over 1,300 locations worldwide
  • A 1.5x cash back boost when you book travel, hotel, and car rentals at Neo partners
  • Comprehensive travel insurance coverage, including emergency travel medical, trip cancellation, flight delay, and more
  • SmartDelay free airport lounge access when your flights are delayed by more than one hour

These benefits are in addition to standard offers on the Neo Card™, including an average of 5% cash back and up to 15% cash back on first-time purchases at over 10,000 stores across Canada.

Cardholders can use the Neo App to view and explore cash back offers based on their location.

You can subscribe to Travel perks when you need it and cancel at any time. Learn more about Neo perks.

Neo Travel Card

Rewards and Perks: Earn up to 5% real cash back on purchases, 2% cash back on foreign currency transactions, 1.5x cash back boost when you book travel, hotel, and car rentals at Neo partners, Priority Pass airport lounge access at over 1,300 locations worldwide, and comprehensive travel insurance coverage.

Welcome offer: 15% cashback on your first purchases, plus a $25 welcome bonus.

Interest rates: 19.99%-22.99% for purchases; 22.99%-28.99% for cash advances.

Annual fee: $4.99 monthly subscription (cancel anytime)

Credit score required: Poor or bad credit score.

Best Travel Credit Card For Hotel Stays

Premium credit cards come in various flavours. These two cards take the top spot for the best sign-up welcome bonuses.

7. The Marriott Bonvoy® American Express®* Card

Marriott Bonvoy American Express Card

Best for Marriott Bonvoy points and perks

Annual fee: $120

Rewards: Earn up to 5X Marriott Bonvoy points on eligible purchases.

Interest rates: 20.99% on purchases and 21.99% on cash advances.

Minimum income requirement: No minimum income or credit limit requirement.

Recommended credit score:
660
900

Good to Excellent

marriott-bonvoy-card

On Amex’s website

  • Earn 5X Marriott Bonvoy points on every purchase made at participating hotels.
  • Earn 2X Marriott Bonvoy points on all other purchases.
  • Receive complimentary Marriott Bonvoy Silver Elite status, and then get upgraded to Gold Elite status after charging $30,000 to year card each year.
  • Enjoy an Annual Free Night Award after your card anniversary each year.
  • Earn 15 Elite Night Credits per calendar year toward reaching the next level of Elite Marriott Bonvoy status.
  • Access various travel insurance benefits, including travel accident ($100K), baggage, car rental, and flight delay insurance.
  • Enjoy exclusive access to tickets, virtual events, live performances, and more through American Express Experiences.
  • No minimum income or credit limit requirement.

Up to 5X points on hotel purchases

Comprehensive travel benefits and hotel rewards

Competitive 2X points on most purchases

Annual fee is on the higher side at $120

5X points category is limited to hotels

The Marriott Bonvoy American Express Card offers an excellent selection of travel benefits. It’s great for frequent travelers who will make the annual fee worthwhile by maximizing their use of its travel perks.

The Marriott Bonvoy® American Express®* Card offers one of the best rewards for hotel stays for Canadians. It replaces the Starwood Preferred Guest SPG card.

  • $120 annual fee
  • Earn a welcome bonus of up to 50,000 Marriott Bonvoy points when you charge $1,500 to your card in the first 3 months
  • Earn 5 points for every $1 spent at participating Marriott Bonvoy properties
  • Earn 2 points for every $1 spent on all other purchases
  • Redeem points for hotel stays at more than 7,000 hotels, including names like the Ritz-Carlton, St. Regis, Marriott Hotels, Le Meridien, and Sheraton
  • Get one free night every year (worth up to 35,000 points)
  • Complimentary Marriott Bonvoy Silver Elite status
  • Free supplementary cards
  • Free Marriott Bonvoy Gold Elite status when you spend up to $30,000 each year
  • 15 Elite night credits each year
  • Comprehensive travel insurance
  • Access to American Express Invites such as Front of The Line Advance Access
  • Purchase protection and extended warranty

The 50,000 bonus points are earned after you charge $1,500 in purchases to your Card in your first three months.

When you look at the value of the bonus points and add in the 15 Elite night credits and annual free night, this card is worth every penny.

Lastly, you can easily transfer your Marriott Bonvoy points to several other frequent flyer programs in exchange for miles.

Best Travel Card With No Foreign Transaction Fee

When you use your credit cards abroad, the foreign transaction fees add up. At a cost of 2.5% or more, these no-FX fee cards come in handy.

8. Scotiabank Passport Visa Infinite Card

Scotiabank Passport Visa Infinite Card

Best for no FX fees and travel perks

Annual fee: $150

Rewards: Earn 3x Scene+ points on eligible grocery purchases, 2x pts. on dining, entertainment and transit, and 1x pts. on everything else.

Welcome offer: Up to 40,000 bonus Scene+ points and no annual fee for the first year.

Interest rates: 20.99% for purchases, 22.99% for cash advances.

Minimum income requirement: $60,000

Recommended credit score:
760
900

Very Good

scotiabank passport visa infinite card

On Scotiabank’s website

  • Earn 3x Scene+ points for shopping at select grocery stores, including Sobeys and Safeway.
  • Earn 2x points on dining, select grocery stores, entertainment venues and eligible transit options.
  • Earn 1 point for all other eligible purchases.
  • No foreign transaction fees on purchases overseas.
  • Includes Avis® Preferred Plus membership.
  • Access to over 1,200 global airport lounges with the Visa Airport Companion Program.
  • Comprehensive travel insurance benefits are included.
  • A minimum annual income of $60,000 or a minimum household income of $100,000 is required.

Earn up to 3x Scene+ points

No foreign transaction fees

Premium perks like travel insurance included

High-income requirement of $60,000

$150 annual fee

The Scotiabank Passport Visa Infinite Card is a great option for anyone who wants to earn Scene+ points on their purchases. Zero foreign exchange fees, comprehensive travel insurance coverage, and Visa Airport Companion Program membership also make it a good option for travelers.

For a combination of zero foreign transaction fees and premium travel perks, the Passport Visa Infinite Card is a top contender.

  • $150 annual fee (waived in the first year)
  • Earn up to 40,000 bonus Scotia Rewards points ($400 value)
  • Earn 3 points per $1 spent at Sobeys, Safeway, IGA, FreshCo, and other partner stores
  • Earn 2 points per $1 spent on grocery, dining, entertainment, and transit purchases
  • Earn 1 point on all other purchases
  • No FX mark-up on foreign currency purchases
  • Complimentary Priority Pass membership with 6 free airport lounge visits per year
  • Comprehensive travel insurance, including travel emergency medical, trip cancellation and interruption, travel accident, flight delay, delayed and lost baggage, rental car collision loss/damage waiver, and more
  • Purchase protection and extended warranty

The Scotiabank Passport Visa Infinite’s 40,000 bonus point is worth $400 in travel costs. Earn 30,000 points when you spend $1,000 in the first 3 months and an additional 10,000 points if your annual card spending is $40,000 or more.

The annual complimentary Priority Pass membership and 6 free lounge visits are worth around $379, which more than covers the card’s annual fees. Add in your savings from foreign transaction fees, and this card has very little competition.

You need a minimum personal income of $60,000 (or $100,000 household income) to qualify for this card. You can also read my complete Scotiabank Passport Visa Infinite review.

9. CIBC AC Conversion Prepaid Visa Card

Use this CIBC travel prepaid card to hold 10 currencies. Fund the card to earn 1% cash back on all purchases.

CIBC AC Conversion Visa Card

CIBC AC_Conversion Card Image

Earn 1%* cashback on purchases

Holds 10 currencies at once

No monthly account fees

Enjoy Visa’s Zero Liability

Best Travel Credit Cards for Students

Want to pay low annual fees and earn reasonable rewards or cash back? Consider the RBC ION+ Visa or Tangerine Money-Back Credit Card.

10. Tangerine Money-Back Credit Card

You can apply for this credit card with a credit score of 600+ and an annual income of $12,000 or higher.

Tangerine Money-Back Credit Card

Best no-fee cash back credit card

Annual fee: $0

Rewards: Earn up to 2% unlimited cash back in up to 3 spending categories and 0.50% on all other purchases.

Welcome offer: Get an extra 10% cash back on up to $1,000 in spending in the first 2 months ($100 value).

Interest rates: 19.95% for purchases, balance transfers, and cash advances.

Minimum income requirement: $12,000

Recommended credit score:
600
900

Fair to Good

Tangerine Cash Back Credit Card

On Tangerine’s website

  • No annual fee.
  • Unlimited 2% cash back in two spending categories. Get an extra 2% cash back spending category when you deposit your rewards in a free Tangerine savings account.
  • Unlimited 0.50% cash back on all other purchases.
  • Cash back earned is paid out monthly.
  • 1.95% promotional balance transfer for first 6 months; 3% balance transfer fee applies ($5 minimum).
  • Purchase assurance to cover loss, theft or damage of new items purchased using the card for up to 90 days.
  • Works with Apple Pay, Google Pay, and Samsung Pay.
  • Extended warranty for up to one extra year.

No annual fee

High cash back rates

Low-income requirement

Cash back paid monthly

Low-interest balance transfer

No travel insurance coverage

3% balance transfer fee

The Tangerine Money-Back Credit Card is one of the best cash back credit cards in Canada. It’s great for students and those who have a limited credit history. Cardholders can also enjoy no-fee chequing and a high interest savings account.

Best Travel Credit Card for WestJet Rewards

11. WestJet RBC World Elite Mastercard

WestJet RBC World Elite Mastercard

Premium credit card for earning WestJet dollars

Annual fee: $119

Rewards: Earn up to 2% back in WestJet dollars on eligible travel purchases.

Welcome offer: Get up to 300 bonus WestJet dollars in the first 3 months.

Interest rates: 20.99% on purchases and 22.99% on cash advances.

Minimum income requirement: $80,000 for personal income and $150,000 for household income.

Recommended credit score:
660
900

Good or better

westjetrbc mastercard-img

On WestJet RBC’s website

  • Earn 2% back in WestJet dollars on WestJet flights or WestJet Vacations packages.
  • Earn 1.5% back in WestJet dollars on everyday purchases.
  • Redeem WestJet dollars to pay for WestJet flights or WestJet Vacations packages.
  • Bring a friend on vacation with an annual round-trip companion voucher that allows you to purchase discounted tickets for a travel companion.
  • Access comprehensive travel insurance benefits, including emergency medical, trip interruption insurance, hotel burglary, and rental car insurance.
  • Enjoy Mastercard Travel Pass Program provided by DragonPass membership with access to 1,300 airport lounges worldwide.
  • Access to Boingo Wi-Fi for Mastercard Cardholders nearly everywhere you go.
  • Get a Tier Status life with everyday purchases on the WestJet RBC World Elite Mastercard.
  • Your WestJet dollars don’t expire.
  • Instantly save 3¢/L on fuel purchased at Petro-Canada when you link your credit card to your Petro-Canada Card.

Free annual round-trip companion voucher

Access to VIP airport lounges

Comprehensive travel insurance coverage

Reward redemption restricted to WestJet purchases

Spending categories for 2% back are limited

The WestJet RBC World Elite Mastercard is the ultimate card for individuals and couples who frequently fly using WestJet. It offers most of the standard perks you would expect for a travel credit card and has an affordable annual fee.

The WestJet RBC World Elite card is a great card for maximizing your WestJet Rewards.

  • $119 annual fee
  • Earn 2% back on all WestJet flights and travel packages
  • Earn 1.5% on your general spending and save 3 cents per litre when you buy gas at Petro Canada
  • Free first checked bags on WestJet flights for the primary cardholder and up to 8 guests
  • Annual round-trip companion voucher
  • Comprehensive travel and purchase insurance coverage
  • Complimentary 24/7 concierge service

12. RBC Avion Visa Infinite

Another RBC travel credit card to consider is the RBC Avion Visa Infinite.

RBC Avion Visa Infinite Card

Competitive RBC rewards credit card

Annual fee: $120

Rewards: Earn 1 Avion point for every dollar you spend, plus 25% more points on travel-related purchases.

Interest rates: 20.99% on purchases and 22.99% on cash advances.

Minimum income requirement: A minimum annual personal income of $60,000 or household income of $100,000.

Recommended credit score:
660
900

Good or better

RBC Avion Visa Infinite Card

On RBC’s website

  • Earn 1 Avion point for every dollar you spend.
  • Get 25% extra points on eligible travel-related purchases.
  • Redeem your points for air travel, with flights as low as 15,000 Avion points, or other merchandise, gift cards, or vouchers.
  • Cash in points toward paying off your credit card balance.
  • Use points to fly with any airline at any time of the year, including during peak travel seasons.
  • A minimum annual personal income of $60,000 or household income of $100,000 is required to apply.

Competitive purchase APR at 19.99%

Attractive point redemption options

 Earn points across spend categories

Limited insurance benefits

Minimum income requirement may be restrictive

The RBC Avion Visa Infinite Card provides attractive point redemption options for frequent flyers. With a manageable annual fee, it’s a good option for those who will maximize its rewards system by spending on travel.

Best No Fee Travel Credit Cards

If you don’t like the idea of paying annual fees in exchange for travel rewards, these cards charge $0 annual fees, offer travel insurance, flexible rewards, perks, and more.

13. Tangerine World Mastercard

Tangerine World Mastercard

Excellent no-fee cash back card with travel perks

Annual fee: $0

Rewards: Earn up to 2% unlimited cash back in 2-3 spending categories and 0.50% on all other purchases.

Welcome offer: Get an additional 10% cash back valued at $100 in the first 2 months.

Interest rates: 19.95% for purchases, balance transfers, and cash advances.

Minimum income requirement: $12,000

Recommended credit score:
660
900

Fair to Good

Tangerine Cash Back Credit Card

On Tangerine’s website

  • No annual fee.
  • Unlimited 2% cash back in two spending categories. Get an extra 2% cash back category when you deposit cash back earned in a free Tangerine savings account.
  • Unlimited 0.50% cash back on all other purchases.
  • Cash back earned is paid out monthly.
  • Complimentary Mastercard® Travel Pass Provided By DragonPass membership with access to over 1,300 airport lounges at $32 USD per visit.
  • Rental car and mobile device insurance are included.
  • Access to over 1 million Wi-Fi hotspots worldwide through Boingo Wi-Fi
  • 1.95% promotional balance transfer for first 6 months; 3% balance transfer fee applies ($5 minimum).
  • Purchase assurance to cover loss, theft or damage of new items purchased using the card for up to 90 days.
  • Compatible with Apple Pay, Google Pay, and Samsung Pay.
  • Extended warranty for up to one extra year.

No annual fee

Easy access to airport VIP lounges

Car rental and mobile device coverage

High cash back rates with unlimited earning potential

Lacks comprehensive travel benefits

The Tangerine World Mastercard offers premium perks without charging an annual fee. Its competitive cash back earn rate makes it worthwhile for any wallet, and the mobile device and car rental coverage are solid benefits to have up your sleeve.

The Tangerine World Mastercard offers up to 2% cash back on purchases, and cardholders enjoy access to insurance and a complimentary airport lounge access membership.

  • No annual fee
  • Rental car collision/loss damage insurance
  • Mobile device insurance
  • Mastercard Airport Experiences Provided by Loungekey
  • Purchase protection and extended warranty
  • Access to Boingo Wi-Fi for Mastercard

14. Rogers World Elite Mastercard

Rogers World Elite Mastercard

Best credit card for USD cash back

Annual fee: $0

Rewards: 3% unlimited cash back in U.S. dollars, 1.5% unlimited cashback on other purchases.

Welcome offer: $25 in cashback on the first purchase made within three months.

Interest rates: 19.99% for purchases, and 22.99% for cash advances

Minimum income requirement: $80,000 minimum income or $150,000 household income.

Recommended credit score:
760
900

Very Good

RogersBank_WorldElite_Card_image

On Rogers’s website

  • Earn 3% cashback for all your spending in U.S. dollars with no limit.
  • Earn 1.5% cash back on all other eligible purchases with no limit.
  • $80,000 minimum income or $150,000 household income requirement.
  • Includes Mastercard Travel Pass membership with access to over 1,300 airport lounges globally.
  • Trip interruption and trip cancellation insurance are included.
  • Extended warranty and purchase protection included.
  • Cover for rental car collision/damage included.
  • Must spend $15,000 each year to remain eligible.

Earn up to 3% cashback

Several travel benefits included

Includes travel insurance coverage

No annual fee

Must spend $15,000 a year to remain eligible

High minimum income requirement

The Rogers World Elite Mastercard offers a lot of benefits with no annual fee. The option to earn 3% cash back on U.S. dollar purchases could make it a great option for anyone who travels to the United States frequently, and the unlimited 1.5% cash back for other shopping makes it a tempting proposition.

The Rogers World Elite Mastercard often features among the best cards with no foreign transaction fees; however, its reward offerings were recently downgraded.

  • No annual fee
  • Earn 3% unlimited cash back on USD purchases
  • Earn 1.50% cash back on all other purchases
  • Comprehensive travel insurance, including car rental collision/damage, emergency medical, trip cancellation/trip interruption insurance
  • Purchase protection and extended warranty
  • Redeem your cash back rewards as a statement credit at any time (minimum $20), against your phone bill, for Toronto Blue Jays tickets, and more

The minimum personal income to apply for this card is $80,000 per year. Also, you need to spend at least $15,000 annually to remain eligible for the card.

15. MBNA Rewards Platinum Plus Mastercard

MBNA Rewards Platinum Plus Mastercard

Good no-annual-fee cash back card

Annual fee: $0

Rewards: Earn 4 points on every $1 spent on eligible restaurant, grocery, digital media, membership, and household utility purchases during the first 90 day. Earn 1 point per $1 spent on all other purchases.

Interest rates: Purchases 19.99%, cash advances 24.99%.

Minimum income requirement: No minimum income is advertised.

Recommended credit score:
725
900

Very Good

MBNA Rewards Platinum Plus Mastercard

On MBNA’s website

  • Earn 2 points per $1 spent on groceries, restaurants, digital media, and household utility bills.
  • Earn 1 point per $1 spent on all other purchases.
  • Annual birthday bonus equivalent to 10% of points earned in the previous 12 months.
  • Redeem for merchandise, travel, gift cards, statement balances, or charitable donations.
  • Mobile Device insurance of up to $1,000.
  • Extended warranty and purchase assurance on items purchased through the credit card.

No annual fee

Wide variety of redemption options

Good insurance options for a no-fee card

Earn rates on the categories are capped annually at $10,000

Point redemption values are higher on other cards

Cash redemption rates are poor (200 points per $1)

This card works well as an entry-level cash back credit card without annual fees. Points earned can be easily redeemed for various rewards.

The MBNA Rewards Platinum Plus takes top-tier status in the no-fee cash back and travel rewards categories.

  • No annual fee
  • Earn 4 points per $1 spent on eligible restaurant, grocery, digital media, membership, and household utility purchases
  • Earn 1 point per $1 on all other purchases
  • Flexible rewards redemption, including travel, cash back, and merchandise
  • Comprehensive travel insurance
  • Purchase protection and extended warranty

This card has a cap of $10,000 on each purchase category eligible for the 2% earn rate. Learn more in this review.

Best Air Miles Travel Credit Card in Canada

Check out these cards for accelerated travel rewards.

16. BMO AIR MILES World Elite Mastercard

BMO Air Miles World Elite Mastercard

Best for earning Air Miles rewards

Annual fee: $120

Rewards: Get 3X Miles on purchases made at Air Miles partners.

Interest rates: 20.99% on purchases and 23.99% on cash advances.

Minimum income requirement: A minimum annual individual income of $80,000 or household income of $150,000.

Recommended credit score:
660
900

Good or better

BMO Air Miles World Elite Mastercard

On BMO’s website

  • Earn 3 Miles for every $12 you spend on everyday purchases made at participating Air Miles partners.
  • Earn 2 Miles for every $12 you spend on eligible grocery purchases.
  • Earn 1 Mile for every $12 you spend on all other purchases using your card.
  • Save with a 25% discount on one flight per calendar year.
  • Enjoy discounted access to airport lounges worldwide.
  • Get a 25% discount on rental cars at participating National Car Rental and Alamo Rent a Car locations.
  • Access various travel insurance benefits, including emergency medical, rental car insurance, and more.
  • A minimum annual individual income of $80,000 or household income of $150,000 is required.

Comprehensive travel benefits

Up to 3X Miles on select purchases

Competitive savings on flights

High purchase APR at 20.99%

3X Miles category is fairly restricted

Minimum income requirement may be restrictive

The BMO Air Miles World Elite Mastercard has a strong travel rewards program in the form of Air Miles without a hefty annual fee. Frequent flyers and travelers are best suited to take advantage of all that this card offers.

The BMO AIR MILES World Elite Mastercard has one of the best earn rates of any AIR M