The 70 Best Rewards Programs in Canada: A Complete Guide

Loyalty programs reward you for being a devoted customer, giving you the opportunity to earn and redeem points on everyday purchases.

Rewards programs are offered with credit card companies, retail stores, travel partners, fast food establishments, and more. If you think of a few of your favourite stores, chances are they have a loyalty program to keep you coming back for more.

With these programs, you can save money, get personalized offers, and feel like an insider.

Keep reading to discover the best loyalty rewards programs in Canada that you should sign up for.

Best Rewards Programs in Canada: Our Top Picks

Best Program For	Loyalty Program	Top Features
Travel rewards	Air Miles	Earn & redeem Cash Rewards and Dream Rewards for flights, hotels & more
Air Canada flights	Aeroplan	Earn & redeem points on Air Canada flights, LCBO, Uber, Starbucks, & more
Movies, restaurants, & groceries	Scene+	Earn Scene+ points with Scotiabank credit cards & redeem on movies, groceries, shopping & more
Credit card rewards	Amex Membership Rewards	Earn on all purchases, flexible redemption for travel & more
Groceries	PC Optimum	Earn points on gas, grocery, & drugstore purchases. Redeem 10,000 points for $10 off
Gas purchases	Petro-Points	Save on gas, car washes, and convenience store purchases. RBC cardholders earn 20% more

Best Store Rewards Programs

Love shopping? Sign up for the loyalty programs below to earn great rewards and save money.

Retail Store Rewards Programs

If you’re a loyal shopper at any of the following stores, consider signing up for their rewards program, which can save you some serious cash.

Canadian Tire Triangle Rewards

With the free Triangle Rewards program, you earn $1 in CT Money when you shop at Canadian Tire-owned stores, like Mark’s, L’Equipeur, Sport Chek, and of course, Canadian Tire. $1 in CT Money = $1 in free stuff.

Upgrade to Triangle Select, a subscription-based tier of the rewards program, to stack more rewards on top of what you already earn. Get 10x the amount of CT Money on almost any in-store purchases. Triangle Select costs $89 per year.

Or, get the Triangle Mastercard or the higher-tier Triangle World Elite Mastercard to earn CT Money even faster.

More Rewards

Register for the free More Rewards program to access savings, deals, and discounts at hundreds of stores across Western Canada. You get member pricing at partner grocery stores, like Save-On-Foods, Quality Foods, and Urban Fare.

Once you have 10,000 points, you can use it for $15 off your grocery bill at participating stores, or buy gift cards from hundreds of retailers.

Plum Rewards

Plum Rewards is Canada’s biggest bookstore chain (Indigo, Chapters, and Coles) rewards program. There are free and paid membership tiers.

Plum Rewards is free to join. It gets you free shipping on orders over $35, allows you to earn 5 points on almost every dollar, and you get early access to promotions and events.

Plum Plus is $39 per year. Along with the 5 points earned for every dollar spent, you get free shipping with no minimum spend, save an extra 10% on almost everything, get a percentage off plus bonus points on your birthday month, and get VIP access to promotions and events.

You can redeem Plum points for money off in-store and online purchases, from 2,500 ($5 off) to 35,000 ($100 off) points.

Hudson’s Bay Rewards

With Hudson’s Bay Rewards, earn points on almost every dollar you spend online and in-store. You can redeem 1,000 points for $5 in free stuff, and get $100+ in points offers each month.

This rewards program has 3 membership tiers, based on how much you spend per year:

• Hudson’s Bay Rewards: $1 spent = 1 point
• Hudson’s Bay Rewards Plus: $1 spent = 1.5 points ($400 annual spend)
• Hudson’s Bay Rewards VIP: $1 spent = 2 points + exclusive offers ($1,200 annual spend)

If you get the Hudson’s Bay Mastercard (powered by Neo), you’ll earn double the points at all levels.

The Body Shop Love Your Body Club

The Body Shop’s loyalty program lets you earn rewards and get exclusive offers every time you shop in-store or online.

It is free to sign up, and you’ll earn 1 point for every $1 spent. Once you reach 100 points, you’ll automatically get a $10 voucher to spend on anything in-store or online.

They also give you a $10 voucher to spend on your birthday month, and a free gift just for signing up.

American Eagle Real Rewards

American Eagle’s Real Rewards program is free to sign up to. You get deals and rewards on the Aerie and American Eagle brands.

There are 3 membership tiers, based on your annual spend:

• Level 1 (free): earn 10 points per $1 spent, get free shipping on orders over $100
• Level 2 (spend $150/year): earn 15 points per $1 spent, get free shipping on orders over $65
• Level 3: (spend $350/year): earn 20 points per $1 spent, get free shipping on any order, and free returns

No matter the tier, you earn 2x the points on jeans, access Aerie days, and receive a birthday coupon. Get the Real Rewards app to earn even more.

Sephora Beauty Insider Rewards Program

For makeup and beauty lovers, Sephora’s Beauty Insider Rewards Program is ideal for earning rewards on their shopping.

This rewards program gets you free shipping with no minimum purchase, lets you earn 1 point for every $1 spent, you can apply 500 points for $10 off your purchase, and get an end-of-year discount.

The famous free birthday gift now requires you to spend a minimum of $25 before you can receive it.

Like many other rewards programs on this list, there are 3 tiers based on how much you spend annually:

• Insider (free): get 10% off seasonal savings events, 2x points in the multiplier events, and get 5 sample options.
• VIB (spend $350/yr): get 15% off seasonal savings events, 3x points in the multiplier events, get 6 sample options, and exclusive gifts.
• Rouge (spend $1,000/yr): get 20% off seasonal savings events, 4x points in the multiplier events, get 6 sample options, exclusive gifts, and first access to products.

Simons Loyalty Program

The Simons loyalty program is free to join and gives you access to exclusive perks and discounts.

Every $1 spent = 1 point. When you reach 500 points, you get a $10 rewards card that you can use to spend on anything. 

Other perks include 2x the points promotions, free online returns, a 45-day return period, and free delivery for purchases of $50 or more.

When you spend more than $1,000 per year, you get an extended 60-day return period. When you spend over $4,000 yearly, you get unlimited free in-store alterations for a year after your purchase.

DSW VIP Rewards Program

Designer Shoe Warehouse (DSW) has a rewards program with 3 tiers, depending on how much you spend annually.

VIP members earn 1 point for every $1 spent and get a $5 reward for every $100 spent. They offer free ground shipping without a minimum purchase, you’ll get a $5 voucher on your birthday month, and get 20% off after your first purchase.

VIP Gold or Elite members get the following perks along with everything VIP members receive:

• 2x points days
• 3x points day
• First dibs and exclusive access

What’s also interesting to note is that if you donate your old shoes, you’ll get 50 points and help someone in need.

Nordstrom The Nordy Club

With The Nordy Club, you can earn points every time you shop in-store or online at Nordstrom or Nordstrom Rack. Earn 1 point per $1 spent any way you pay, or 2-3 points per $1 spent with a Nordstrom credit or debit card.

Once you reach 500, 1,000 or 2,000 points, you’ll get a $5, $10, or $20 credit to spend on anything you’d like.

Nordy Club Members get exclusive access to events and can get double the points faster.

TJX Canada STYLE+

TJX Canada STYLE+ covers the Winners, HomeSense, and Marshalls brands under one umbrella.

While you don’t earn or redeem points with this loyalty card, perks include:

• Extended 30-day returns
• Access your eReceipts
• Get members-only offers and contests

H&M

Download the H&M app to access their free loyalty program, which is completely digital.

When you first sign up, get 10% off your purchase as a welcome offer.

Earn 1 point for every $1 spent, and get a $5 bonus voucher when you reach 150 points.

Other perks include a birthday treat, digital receipts, free online returns, free shipping over $40, double points days, and garment collecting.

Additionally, if you collect over 600 points, you’ll get free shipping on all purchases, unique experiences, surprise offers, and more.

Grocery & Drugstore Rewards Programs

Groceries are expensive in Canada, so saving money where you can really help. The following rewards programs are worth signing up for if you shop at any major Canadian grocery store. 

PC Optimum

PC Optimum is Canada’s biggest and arguably the most valuable grocery and drugstore rewards program. If you shop at Loblaws, Superstore, Shoppers Drug Mart, or other popular retailers, you can get hundreds of dollars worth of free groceries just by collecting and redeeming points.

It is completely free to sign up. Show your card at most Loblaws-owned stores and earn points on food and products you buy the most. You can even earn points on gas at Esso and Mobil stations across Canada.

Each 10,000 points equals $10 in free stuff. You can either redeem the points at checkout or wait for special Spend Your Points events to get more value.

Consider signing up for the free PC Money Account or PC Mastercard to earn even more points. Check out this article on how to maximize your PC Optimum points.

Choices Preferred Shopper Card

If you shop at Choices Market, the Preferred Shopper Card allows you to earn points on each purchase along with receiving discounts on specially labelled products.

Points are acquired after you spend $15 on your purchase at this rate:

• 1 point per $1 spent: $15 to $39.99
• 2 points per $1 spent: $40 to $59.99
• 3 points per $1 spent: $60+

Once you reach 2,000 points, you can get $20 off your next purchase or donate them to a local food bank.

Moi

Formerly called Metro&Moi, Moi is the popular Canadian grocery chain, Metro’s rewards program. As a member, earn 1 point for every $1 spent. Once you reach 500 points, get $4 off.

Each week, you’ll be sent personalized offers, coupons, deals, and more.

The Moi program is available at select stores in Ontario, Quebec, and New Brunswick.

Rexall Be Well

Rexall Be Well is a wellness rewards program offered at Rexall drug stores. Along with earning points, you can manage prescriptions and get personalized offers and deals.

With Be Well, earn 10 points for every $1 spent. Once you collect 25,000 points, get $10 off your next purchase.

Be Well makes it easy to manage your prescriptions on the app. You can request a prescription transfer, get notified when prescriptions are ready for pickup, access your medication history, and more.

Travel Rewards Programs

Travel is one of the most expensive but fun purchases you can make, so every dollar counts. Whether it be a vacation package, flights, hotel stays, or a car rental, there is likely a rewards program you can sign up for.

Airline Rewards Programs

If you’re a frequent flyer, airline rewards programs are great for earning points on flights, upgrades, and other airport luxuries.

AIR MILES

The AIR MILES rewards program is one of the most well-known airline loyalty programs. Points can be redeemed on a multitude of rewards, including travel, merch, eVouchers, and more.

There are two kinds of rewards from AIR MILES: Cash Rewards and Dream Rewards.

Cash Rewards can be used at in-store cash partners or towards eVouchers. 95 Cash Miles is equivalent to $10 off.

Dream Rewards can be redeemed for non-cash rewards like flights, car rentals, hotel stays, merchandise, and more. Unlike Cash Rewards, the value varies considerably.

The fastest and easiest way to earn AIR MILES is through any linked BMO or American Express Mastercard. Some of the best credit cards for earning AIR MILES are the BMO AIR MILES Mastercard and the American Express AIR MILES Credit Card.

Aeroplan

Aeroplan is Air Canada’s popular rewards program that provides the best deals on Air Canada flights. However, you can redeem points on other airlines, travel discounts, merchandise, gift cards, and more.

Each Aeroplan point is worth only a few cents, and how much you earn varies on your redemption method. You can earn Aeroplan points by:

• Booking Air Canada or flights from partner airlines
• Using a credit card that collects Aeroplan points
• Linking your Aeroplan account with Uber, Uber Eats, and Starbucks Rewards
• Shopping at LCBO
• Shopping at the Aeroplan eStore

A few of the best Aeroplan credit cards include the American Express Cobalt Card and the American Express Aeroplan Card.

WestJet Rewards

WestJet Rewards is Canada’s second-largest airline, WestJet’s loyalty program. Unlike other rewards programs, you’ll earn WestJet Dollars based on how much you spend on your flight. 

Earn Dollars by purchasing WestJet and partner airline flights, transferring points from RBC Avion, or using WestJet RBC credit cards.

One WestJet Dollar is equal to CAD $1. You can redeem them on WestJet flights as a portion or entire base fare of your flight or on WestJet vacations.

Alaska Airlines Mileage Plan

Alaska Airlines Mileage Plan lets you earn and redeem Miles on Alaska Airlines and partner airlines.

You earn one Mile for every mile flown in the main cabin, first class, or premium class. You can also earn Miles with the Alaska Airlines credit card or when you shop, book a hotel stay, rent a car, and more.

When you reach Elite member status, you’ll get additional benefits with Alaska Airlines, oneworldAlliance, and their global partners.

VIPorter

VIPorter is Porter Airlines’ flight loyalty program. When you book a flight, you’ll earn VIPorter points on every dollar you spend.

The VIPorter program has 5 tiers, each with added benefits that earn you more points on every dollar spent when you cross qualifying spend thresholds.

Redeeming points is easy. You can use VIPorter points to redeem the entire value of a flight, excluding taxes, or use the points in combination with another payment method.

As a bonus, once you reach $3,000 in qualifying spend, you’ll get a certificate to fly in a premium seat.

Hotel Rewards Programs

If you stay at one brand of hotel more frequently than the rest, it’s a good idea to sign up for their loyalty program, where you can get membership perks and benefits like free nights, upgrades, lounge access, and more.

Marriott Bonvoy

The Marriott Bonvoy rewards program is ideal for those who travel often and stay at Marriott-branded hotels. It is free to sign up. The more nights you stay, the more benefits you unlock.

The membership tiers are as follows:

• Member (0-9 nights per year): free in-room wifi, mobile check-in, exclusive discounted rates
• Silver Elite (10 nights per year): earn 10% more points, priority late checkout, member rates, free wifi
• Gold Elite (25 nights per year): earn 25% more points, enhanced room upgrade, 2pm late checkout
• Platinum Elite (50 nights per year): earn 50% more points, enhanced room upgrade, welcome gift choice
• Titanium Elite (75 nights per year): earn 75% more points, enhanced room upgrade, welcome gift choice
• Ambassador Elite (100+ nights & $23,000+ USD spend per year): earn 75% more points, access the ambassador service, and choose the 24 hours of your stay

Besides simply staying at the hotel, you can earn Marriott Bonvoy points faster with a credit card that earns points.

Hilton Honors

With the Hilton Honors program, you earn points for every hotel stay. Once you stack up enough points, they can be redeemed for free nights, experiences, rental cars, shopping, Lyft rides, or even transferred into select airline miles.

If you don’t have enough points to cover an entire night, you can buy points or pool them with up to 10 other people.

Along with a welcome bonus for new members, Hilton promises that you’ll get the lowest price by booking on their website. If you find a lower rate, they’ll match it and give you an extra 25% off.

Membership tiers range from Member to Diamond, with bonuses, executive access, and other top-tier perks.

Best Western Rewards

The Best Western Rewards program is free to join. It boasts perks including a worldwide free night redemption with no blackout dates, status match with another hotel loyalty program, and exclusive member rates.

Your points never expire, and you can redeem them for free nights, travel, gift cards, travel, and more.

Membership tiers range from Blue to Diamond Select, with 10 points per dollar to 50% bonus points for qualifying nights.

Unlike many other hotel rewards programs, you can reach the highest status quickly, when you stay for 25 nights at Best Western Hotels.

Wyndham Rewards

Wyndham Hotels & Resorts has over 50,000 places to stay worldwide. On every qualifying stay, you’ll earn either 10 points per dollar or 1,000 points, which can be redeemed for free or discounted nights.

Points can also be redeemed for gift cards, merchandise, tours and activities, and more. Or, choose to donate them or transfer your points to a partner program.

This rewards program includes more than just points, with perks including free wifi, late checkout, status match, and more.

Member levels are Blue, Gold, Platinum, and Diamond, which you’ll reach after just 40 nights.

Choice Privileges

Choice Hotels’ loyalty program is called Choice Privileges. This program gets you exclusive deals, the ability to earn points and perks with every stay, and more.

When you book directly on their website, Choice promises you’ll get the lowest rates and earn 10 points per dollar spent.

Choice offers bonus rewards called Extras, including an Amazon credit, coffee card, airline miles, or more Choice Privileges points, if your stay includes at least one weeknight. To access these Extras, download the ​​Choice Hotels mobile app.

Choice Hotels is partnered with Bluegreen Vacations and Avis and Budget Car Rental companies, which gives you discounts and allows you to earn Choice points.

Like Wyndham Rewards, you’ll get to Diamond status after staying 40 nights.

Hyatt Rewards

Hyatt’s membership program includes benefits like member rates, milestone rewards, experiences, and more.

Like most other hotel loyalty programs, you earn points for every dollar spent. Points can be redeemed for free nights, lounge access, gift cards, experiences, upgrades, and more.

Hyatt offers Milestone Rewards, which are completely different from elite status and available to everyone, based on the number of nights you stay in a calendar year.

Milestones include Member, Discoverist, Explorist, and Globalist, the highest of which requires you to stay for 60 nights, have 100k base points, or hold 3 meetings or events.

IHG Rewards

IHG Hotels and Resorts’ loyalty program, IHG One Rewards, offers benefits such as exclusive member rates, no blackout dates, late checkout, and more. For every 10th night you stay, you can choose a reward, up to 100 nights.

IHG Hotels includes popular brands like Regent, Intercontinental Hotels, Holiday Inn, and more, all of which are part of this loyalty program.

You’ll earn 10 points for every $1 USD spent at most IHG hotels, and 5 points for every $1 USD spent at Candlewood and Staybridge Suites.

You can swap earning points for miles for many airlines, including Air Canada, Delta, AeroMexico, and more.

To reach the highest membership tier, you must stay for a minimum of 70 nights or have 120,000+ points.

All Accor Live Limitless Program

All Accor Live Limitless is a lifestyle loyalty program that includes brands such as Fairmont, Novotel, Hyde, and Ibis hotels.

This program is free to join. It includes five tiers, from Classic to Diamond. With each night you stay, you’ll climb the ranks and get access to more perks.

For every €10 spent, you’ll earn 5-44 points, depending on the hotel and your membership tier. You can also earn points when you eat at the restaurant, purchase drinks from the mini bar, go to the spa, and more.

Member rates get you discounts of up to 10% in over 3,000 hotels when you book on the All Accor website.

Travel Booking App Rewards Programs

If you prefer to book hotels, vacation packages, and other travel on a website where you can compare prices, consider signing up for their loyalty program to save even more.

Expedia Rewards

Expedia is a travel booking platform used by millions to book flights, hotel stays, car rentals, and experiences. You can level up your trip booking experience, get member pricing, and start earning points with Expedia Rewards.

You earn 1 Expedia Rewards point for every dollar spent on hotels, car rentals, and vacation packages, and 1 point per $5 spent on flights.

Expedia then converts the points you’ve earned into savings you can use on your next eligible trip. As you continue to use Expedia, you’ll be on your way to earning more and accessing additional perks.

Expedia Rewards tiers include Blue, Silver, and Gold.

Blue gets you a 10% or higher discount on select hotels plus double the points while booking on the app; Silver gets you 2 points per every $1 spent and a free perk; and Gold gets you 3 points per $1 spent plus late checkouts and free room upgrades.

Hotels.com Rewards

Hotels.com Rewards is a simple rewards program that gets you 1 reward night for every 10 nights you stay, plus instant savings with Member Pricing.

Reward nights are the average value of the 10 previous nights you’ve stayed, so it may not cover the full cost of a hotel stay but will get you a steep discount.

Once you surpass 10 nights, you’ll enter the Silver or Gold tier, which rewards you with perks like priority customer service, free room upgrades, early check-in, and late check-out.

Other Travel Rewards Programs

Check out these two travel rewards programs that don’t fit the bill of flight or travel booking loyalty programs.

Park’N Fly Rewards

Park’N Fly is Canada’s largest parking provider for those who do not want to leave their car at the airport. They have locations in Toronto, Montreal, Ottawa, Halifax, Vancouver, Winnipeg, and Edmonton.

With their rewards program, members earn rewards points along with Aeroplan points on every stay.

Keep in mind that enrollment has ended for the old loyalty program. You can sign up for the new rewards program on January 1, 2024.

VIA Préférence

VIA Rail is Canada’s largest intercity train operator that services over 410 stations across Canada. If you are a frequent traveller, it’s worth signing up for the VIA Préférence rewards program.

There are three membership tiers: Préférence, Privilège, and Premier. Depending on the tier, you’ll earn either 1, 2, or 3 points per dollar spent on your train fare. Don’t forget to provide your VIA Préférence number each time you book to earn points.

Depending on the fare you choose, you’ll get up to 50% more points. Travel in Economy to get 25% more points or Economy Plus and Business Plus to get 50% more points.

Points can be redeemed on select train journeys throughout Canada.

Credit Card Rewards Programs

Almost every credit card in Canada includes a rewards program of some type. Here are a few of the best.

RBC Avion Rewards

RBC Avion Rewards is Canada’s largest bank-owned loyalty program. To become a member, you must apply for an Avion Rewards credit card or enrol an RBC bank account in the Value Program. Or, combine both to earn maximum points.

You can use Avion points for travel (including flights, hotel stays, car rentals, and cruises), pay your credit card bill, shop at merchant websites, or get retail gift cards.

Being a part of the Avion Rewards program also gets you access to partner rewards, including discounts on gas, earning more points at Rexall, and more.

You can apply for this program even if you don’t bank with RBC, but having a bank account or Avion credit card is the fastest way to earn points.

Some of the top Avion Rewards credit cards include the RBC Avion Visa Infinite card and the RBC Avion Visa Platinum card.

CIBC Aventura Rewards

Aventura is CIBC’s rewards program that gives members plenty of ways to earn and redeem points.

Notable things you can redeem points for include flights, travel bookings, brand-name merchandise, gift cards, and more. There is also the option to pay your credit card statement and any CIBC financial products with points.

You must have one of the following CIBC Aventura credit cards to earn and redeem points:

• CIBC Aventura Visa Card
• CIBC Aventura Visa Infinite Card
• CIBC Aventura Gold Visa Card

BMO Rewards

BMO Rewards is a flexible rewards program for those who have a BMO credit card. Points are best redeemed for travel, but they can be used for investments, merchandise, gift cards, experiences, statement credits, and more.

You can use your points on the BMO Rewards online store, where there are often deals or promos on brand-name merchandise.

The best BMO credit cards for earning rewards include the BMO eclipse Visa Infinite Card, the BMO Ascend World Elite Mastercard, and the BMO Rewards Mastercard.

SCENE+

Scene+ is one of the most well-known loyalty programs in Canada. Scotiabank and Cineplex have partnered to allow members to earn Scene+ points using Scotiabank credit or debit cards and at Cineplex.

Most Scotiabank credit cards are part of the Scene+ program, including the Scotiabank Passport Visa Infinite Card, the Scotiabank Gold American Express Card, and the Scotiabank Platinum American Express Card.

Scene+ points can be earned using a Scotiabank credit card when purchasing groceries, pharmacy items, travel, movies and snacks at Cineplex, at restaurants, and more.

100 Scene+ points are equivalent to $1, and you can generally redeem them for $1, $5, or $10 off at participating retailers.

Here’s how you can maximize the Scene+ Rewards program. Check out this detailed guide for more info.

American Express Membership Rewards

American Express’s Membership Rewards program is well-known for the ability to redeem points on travel – and not just from one provider. They have several points transfer partners and more than a few ways to redeem Amex Rewards points.

You must have an American Express rewards credit card to be a part of the program. Some of the best credit cards include the American Express Gold Rewards card, the American Express Green card, and the American Express Cobalt card.

Points can be redeemed on travel through the fixed points travel program or by transferring to several airline or hotel partners. You can also use points for Amazon, Ticketmaster, merchandise, or gift card purchases.

Additionally, you can pay part of your credit card with points or donate to charity.

MBNA Rewards

The MBNA Rewards program offers customers two credit cards – the MBNA Rewards Platinum Plus Mastercard and the MBNA Rewards World Elite Mastercard – the option to earn points and redeem them on a plethora of rewards.

You can use MBNA Rewards on travel bookings, for flights, hotels, vacation packages, car rentals, and more; or on brand-name merchandise or gift cards. You also have the option to donate or use your points as a statement credit.

This rewards program isn’t as vast as most other credit card points programs, but if you do your research and redeem your points on big-ticket items, it can be worth it.

TD Rewards

To earn TD Rewards points, you’ll need a TD Rewards credit card, like the TD Rewards Visa Card or the TD First Class Travel Visa Infinite Card.

Points are earned on everyday purchases and can be redeemed for travel, statement credits, gift cards, merchandise, and more. They can even be used on Amazon.ca purchases.

If you have a TD Travel Credit Card, consider the following accelerator categories to earn even more points:

• Travel purchases on ExpediaForTD.com
• Grocery, gas, or recurring bill payments

HSBC Rewards

All 4 of HSBC’s credit cards are part of the HSBC Rewards program, which allows you to earn points on everyday purchases and redeem them for valuable rewards.

Depending on the credit card, you can earn points on travel purchases, shopping, and more. Points can be redeemed on travel bookings, merchandise, gift cards, or even on your HSBC mortgage, credit card statement, or savings account.

Notable HSBC credit cards include the HSBC World Elite Mastercard and the HSBC +Rewards Mastercard. With RBC acquiring HSBC, it is likely that this rewards program will be discontinued.

Brim Rewards

Users of a Brim credit card get access to the Brim Rewards program, where they can access exclusive offers with unlimited and uncapped earning potential.

Brim features inCard offers, where you earn rewards automatically just by using your card. You can get up to 15% cash back at in-store or online partners, including Nike, Frank and Oak, and Contiki.

This is a flexible rewards program where points never expire, as long as your account is in good standing. They can be redeemed on purchases, statement credits, online shopping, and more.

Desjardins BONUSDOLLARS Rewards

The Desjardins BONUSDOLLARS Rewards program is pretty straightforward. You earn BONUSDOLLARS, which is like cash back, by paying for purchases with your credit card.

The number of BONUSDOLLARS you earn is equivalent to a percentage of your purchase, depending on which credit card you use. You can earn between 0.5% to 4% back.

1 BONUSDOLLARS equals $1 you can redeem, with a minimum redemption amount of $20. You can redeem them for one of three things:

• Gift cards
• To pay off certain purchases
• On Desjardins financial products and services like loans and insurance payments

National Bank À la carte Rewards Plan

The National Bank World Elite, World, and Platinum Mastercards are part of the National Bank À la carte Rewards Plan, where you can earn points for every dollar spent.

Points can easily be redeemed for financial products, merchandise, gift cards, travel discounts, and more.

To get the most value for points, your best bet is to book travel through National Bank’s A la Carte Travel Agency powered by Transat. Points can be redeemed at a value of 1 cent per point.

Walmart Rewards

Cardholders of the Walmart Rewards Mastercard or the Walmart Rewards World Mastercard earn Walmart Reward Dollars on everyday purchases, with no limit to the amount you can earn. You can earn anywhere between 1% to 3% back on all purchases.

Every Walmart Dollar is worth one real dollar, which can be used toward online or in-store Walmart purchases. Walmart Dollars must be redeemed at a minimum of $5.

Capital One Rewards

Capital One has a strong rewards program for its cardholders. Each Capital One credit card has a different earning structure, but redemption is the same.

Capital One rewards can be redeemed for cash back, statement credits, or transferred to travel partners.

There is no limit to the number of miles you can earn, and they never expire.

Food Rewards Programs

Many fast food restaurants and coffee shops offer a loyalty program in Canada. Here are the best ones we found.

Coffee & Drinks Rewards Programs

Coffee at places like Starbucks isn’t cheap but can be worth it if you’re part of a loyalty program like the few detailed below.

Starbucks Rewards

Starbucks Rewards is one of the most well-known coffee rewards programs. You earn Stars on every order and can redeem them for rewards like free coffee, bakery items, and more.

You earn 1 Star per dollar with the pay-as-you-go option, or 2 Stars per dollar when you add funds in the app. The redemption levels look like this:

• 25 Stars: customize your drink
• 100 Stars: get a free coffee or tea, bakery item, or packaged snack
• 200 Stars: get a free handcrafted drink or hot breakfast
• 300 Stars: get a free lunch sandwich or bag of coffee
• 400 Stars: get a free merch item (with a value up to $20)

Along with earning Stars, the Starbucks Rewards program treats you to a free drink on your birthday, access to Double Star Days, and you can order and pay ahead in the app.

Tim Hortons

A close competitor to Starbucks, Tim Hortons also has a rewards program that earns you 10 points on every dollar spent, plus bonus perks and benefits.

Download the Tims Rewards app to see your weekly offers, plus a recurring special for $1 Timbits every Tuesday, a free birthday treat, and more.

Redemption tiers range from 340 to 1450 points, where you can get free baked goods, coffee, specialty drinks, food, and more.

Sign up for the new Tims Credit Card to earn even more points faster.

Second Cup Cafe Club

As a Second Cup Cafe member, you’ll earn 10 points for every $1 spent in-store or through in-app purchasing.

Rewards tiers are as follows:

• 250 points: get a small brewed coffee or tea
• 500 points: get a medium brewed coffee, tea, or Italian soda
• 1,000 points: get a medium espresso-based drink, hot chocolate, or smoothie
• 1,500 points: get a bag of coffee, box of tea, or box of K-cups

Opt-in to push notifications and emails for a chance to earn points faster.

Davids Tea Frequent Steeper Program

If you love tea, join the David’s Tea Frequent Steeper Program to earn points on every purchase that you can redeem on loose-leaf tea.

For every $1 spent in-store or online, you’ll earn one point. Once you reach 100 points, get 50g of any tea for free.

Those who spend $400 or more within a year get upgraded to Super Steeper status, with perks like free tea samples, exclusive swag, and invites to VIP events.

Booster Juice Booster Rewards

Booster Juice is Canada’s original juice and smoothie bar. Signing up for their rewards program gets you a free classic smoothie on your birthday, in addition to earning Berry Points on every purchase.

Download the Booster Juice app to order ahead and skip the line, get access to the secret smoothie menu, and know about promotions and limited-time offers.

Fast Food Rewards Programs

There are many fast food rewards programs in Canada, but here are some of the best.

McDonald’s

Download the McDonald’s app to start earning points on every order. You earn a generous 100 points for every dollar spent on pretty much everything.

Redemption tiers are as follows:

• 2,000 points: get a coffee or tea, hash brown, vanilla cone, or 2 Li’l donuts
• 4,000 points: get fries, a sausage McMuffin, a cheeseburger, or a latte
• 6,000 points: get a snack size McFlurry, McDouble, McMuffin breakfast sandwich, or Junior Chicken
• 10,000 points: get a Happy Meal, 6-pc chicken McNuggets, Big Mac, McCrispy, or McMuffin Extra Value Meal
• 14,000 points: get an Extra Value Meal or 10-pc chicken McNuggets

To use your points, open the app and choose your reward. Keep in mind that points expire 6 months after earning them.

Wendy’s Rewards

Wendy’s Rewards program is now available in Canada along with the US. You’ll earn 10 points per dollar spent in-app, on the website, or at the restaurant.

When you earn enough points, you can trade them in for free rewards in the Wendy’s app. Points expire one year after earning them.

Menchies My Smileage Club

Menchies, the fan-favourite frozen yogurt chain in Canada, has a loyalty program that rewards you with free frozen yogurt after collecting enough points.

Points are called Smiles, and you get 25 Smiles just for registering, plus 10 extra Smiles if you visit within 7 days. When you reach 50 Smiles, you’ll get $5 off your purchase.

DQ Rewards

Downloading the DQ app makes you a member of DQ Rewards, where you earn 10 points for every $1 spent on qualifying orders.

Once you earn a certain number of points, you can view your rewards and redeem them in-app.

You’ll also get exclusive deals and a special surprise on your birthday.

Domino’s Piece of the Pie Rewards

Each time you order from Domino’s online (minimum order of $10), you’ll receive 10 points. Once you reach 60 points, you’ll get a free medium 2-topping pizza.

With a Domino’s Rewards account, you may also get access to member-only promotions and offers.

Pizza Pizza Club 11/11

Pizza Pizza’s Club 11/11 membership is free to join. It allows you to earn 5% in loyalty dollars on every order. After ordering 4 times, you can redeem your loyalty dollars on every fifth visit.

To participate, you need to add your registered card to your online account before placing an order. Keep in mind that you must redeem your loyalty dollars within 90 days.

Pizza Hut Rewards

Signing up for Pizza Hut Rewards gets you free breadsticks on your next order – just for joining!

This loyalty program works by earning one point for every online order of $10.99 or more. Once you reach 5 points, you’ll get a medium 2-topping pizza for free.

Chick-fil-A Canada Rewards

Chick-fil-A Canada Rewards is a tiered membership program where you can earn points on every order. Membership tiers range from Member to Signature Member, earning you more points and unlocking rewards as you climb the ranks.

The tiers are as follows:

• Member: earn 10 points per $1 spent
• Silver Member: earn 11 points per $1 spent
• Red Member: earn 12 points per $1 spent
• Signature Member: earn 13 points per $1 spent

When you reach a certain number of points, you can redeem available rewards on the app.

Subway MVP Rewards

Subway’s MVP Rewards program allows you to earn points on every order and redeem them for Subway Cash to use towards future purchases.

Perks include a yearly birthday freebie, free chips on Fridays, and exclusive access to Subway swag. Plus, get 50% off a footlong sub just for signing up.

Quiznos Toasty Points

With Quiznos Toasty Points, earn 1 point for every $1 spent. Those points can be redeemed for discounts or free food, snacks, and drinks.

You can redeem:

• 25 points for 15% off
• 50 points for a free combo
• 80 points for a free 9” sub or salad
• 100 points for a free 12” sub

Upon signup, you’ll get a $5 off coupon, and if you refer a friend, you can get a free regular sub. Plus, get a birthday treat every year.

Baskin Robbins Club 31

Baskin Robbins Club 31 is a simple rewards program: get a free scoop on your birthday.

On top of that, get personalized offers, special discounts, and more.

7-Eleven 7REWARDS

Download the 7-Eleven app to sign up for 7REWARDS program, where you can earn points on each purchase and redeem them for free drinks and snacks.

You can purchase select bonus point items to rack up the rewards faster.

An interesting perk of the 7-Eleven app is you can scan and pay for your items entirely through the app.

Chipotle Rewards

When you download the Chipotle Rewards app, you’ll earn 10 points for every $1 spent. You can redeem those points in the Rewards Exchange section of the app to get free food, sides, apparel, and more.

You’ll get free guac upon signup, and a reward on your birthday.

Blaze Pizza Blaze Rewards

For those who love personal pizzas, Blaze Pizza’s rewards program earns you Flames on each order, which you can use to redeem for free food.

From time to time, you can earn bonus Flames, extra rewards, and more.

Every $1 spent earns you one Flame. The reward tiers look like this:

• 30 Flames: one free drink or dessert
• 60 Flames: cheesy bread
• 120 Flames: one free 11-inch pizza
• 200 Flames: one free 11-inch pizza with a crust upgrade
• 250 Flames: one free large pizza (online only)

Pita Pit More! Rewards

With Pita Pit’s rewards program, you earn points on each order, which can be redeemed for free food.

Members earn 5 points per every $1 spent, and they can be redeemed starting at 300 points (for $3 off).

Just for signing up, you’ll get a welcome bonus of 280 points.

MyDenny’s Rewards

Denny’s have partnered with xDine to offer customers the chance to earn and redeem points when ordering online and paying at the table at select restaurants.

You’ll earn 5 points per $1 spent and can redeem those points at 1 point = $0.01. There is no minimum number of points you need to rack up before redeeming.

Papa John’s Papa Rewards

When signing up to Papa Rewards, you earn 1 point for every $8 spent online. Points are awarded on the following business day.

Once you’ve earned enough points, you can redeem them for free pizza, sides, or desserts.

Along with earning points, members get exclusive surprises and deals.

Gas Rewards Programs

With rising prices, we all dread going to the gas station and filling up our tanks. These two loyalty programs can help you save money and earn rewards.

Petro-Points

The Petro-Points program is free to join. At every Petro-Canada gas station, you’ll earn 10 points per litre that can be used towards gas, car wash, drinks, snacks, and more. 

If you have an RBC debit or credit card, you can link your account and earn 20% more Petro-Points on purchases.

1,000 Petro-Points = $1 in free stuff. You can redeem points for almost anything.

Keep an eye out, as Petro-Points is soon partnering with Triangle Rewards for an accelerated rewards program.

Journie Rewards

The Journie Rewards program lets you earn and redeem points at multiple gas stations across Canada, including Pioneer, Ultramar, Chevron, and Fas Gas.

At any of the four gas stations, you’ll earn:

• 1 point per litre of fuel purchases
• 2 points per $1 spent on car washes
• 2 points per $1 spent on purchases inside the convenience store

To redeem points, you must follow a tier rewards system. Once you reach 75, 150, or 300 points, you can choose one of the offers available to you in the app. These offers can include free snacks, savings on fuel, or a carbon offset credit.

Check out this article for a full list of the best gas rewards programs in Canada.

FAQs

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