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Best Travel Rewards Programs In Canada

Best travel rewards programs in Canada: How to see the world on points

Barry Choi Contributor

Fact checked by Cory Santos

Updated Apr 25, 2025

Easily compare Canada's best travel rewards programs, evaluating their redemption processes, flexibility and credit card options.

While we adhere to strict editorial guidelines, partners on this page may provide us earnings.

Finding the best travel rewards program for you is essential for maximizing your value for money on holiday.

Do you judge a travel points program based on its flexibility and how easy it is to earn points? Or perhaps your best travel rewards program is more dependent upon how easy it is to redeem those points you've just earned.

And if you've been using the same travel points program for a while, it might be worth your time to review the options out there. We've analyzed the best travel rewards programs in Canada and how they work below. Or you can jump to our guide on the best travel credit cards in Canada to start your search.

Travel rewards program Recommended credit card Average point value Flexibility* Transfer partners Expiry date
Aeroplan TD® Aeroplan® Visa Infinite Privilege* Card $0.02 Good No 18 months after account inactivity
AIR MILES BMO AIR MILES®† MasterCard®* $0.105 Weak No 24 months after account inactivity
American Express Rewards The Platinum Card® $0.01 Excellent Yes None with active account; 90 days after account closed
BMO Rewards BMO Ascend World Elite®* Mastercard®* $0.0067 Good No None with active account; 90 days after account closed
CIBC Aventura CIBC Aventura® Gold Visa* Card $0.0116 Excellent Yes None with active account; 60 days after account closed
Marriott Rewards Marriott Bonvoy® American Express®* $0.01 Excellent Yes 24 months after account inactivity
MBNA Rewards MBNA Rewards Platinum Plus® Mastercard® $0.01 Good No None with active account
RBC Avion Rewards RBC Avion Visa Infinite $0.021 Excellent Yes None with active account; 90–365 days after account closes
Scene+ Travel Scotiabank Gold American Express® $0.01 Excellent Yes None with active account; account may close after 24 months of inactivity
TD Travel Rewards TD First Class Travel® Visa Infinite* Card $0.005 Excellent No None with active account
WestJet Rewards WestJet RBC World Elite Mastercard $1 Excellent No None with active account

*Flexibility refers to the number of different redemption paths available, minimum number of points required to redeem, ability to redeem points for existing purchases, etc.

  • Why you can trust Money.ca's credit card picks

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    Money.ca rates all credit cards on a numeric scale of 1 to 5 stars, with 1 being the lowest and 5 the highest rating, respectively. Money.ca’s proprietary scoring formulas break down the confusing language, complex points, rewards and earn rates to give you the real data that caters to your needs first, not ours.

    Our partnerships have no impact on our ratings, which are solely determined by the merits of each card. To learn more about how we researched and ranked these cards, read our full credit card review methodology. You can view the results of our methodological process on our Best Credit Cards Canada list.

Air Canada recently purchased Aeroplan and  there are still some lingering questions  about what that means for the value of Aeroplan miles. But as of now Aeroplan is still one of the best frequent flyer programs out there, as its miles can be used to redeem flights on Canada's largest carrier and its partners.

Aeroplan has two options when it comes to redeeming flights: Fixed Mileage and Market Fare. As the name implies, fixed fares will cost you a set amount of points to  fly to different zones  as long as there is a reward seat available. With market fare redemptions, you get access to any seat that hasn't sold, but you'll pay the market price in points which is often significantly higher than prices in the fixed fare program.

Market fare prices can be lower than the fixed mileage seats, but that's usually for routes or times that are less desirable. Some airlines charge high fees, taxes, and surcharges, so you need to keep that under consideration when booking a redemption flight.

A great thing about Aeroplan is that there are  multiple Aeroplan credit cards where you can earn points, but an Aeroplan card that we particularly love is the TD® Aeroplan® Visa Infinite* Card:

Featured Aeroplan credit card

up to 85,000 pts†

Welcome Bonus

$3,067

First Year Value

$67

Annual Value

Welcome Bonus: Earn up to $3,000 in value† including up to 85,000 Aeroplan points†. Conditions Apply. Offer effective as of January 7, 2025.

Apply Now On TD's Secure Site

  • Overview of the TD® Aeroplan® Visa Infinite Privilege* Card

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    • Apply for the NEXUS program membership and once every 48 months get an application fee rebate (up to $100 CAD)†.

    • Complimentary access to Maple Leaf Lounges lounges

    The earn rate is 2 points† on eligible purchases made directly with Air Canada® and 1.5 points† for every $1 on eligible gas, electric vehicle charging, groceries, travel & transit and dining purchases — for all other purchases you get 1.25 point† per $1 spent. With this credit card, you can double dip your Aeroplan earnings at participating merchants. All you need to do is show your Aeroplan loyalty card first when paying and then charge your purchase to your TD® Aeroplan® Visa Infinite Privilege* Card.†

    Additionally, get a huge welcome bonus that more than offsets the annual fee:

    Earn up to $3,000 in value† including up to 85,000 Aeroplan points (enough for a round trip to Honolulu†) and additional travel benefits. Conditions Apply. Offer effective as of January 7, 2025.

    • Earn a welcome bonus of 20,000 Aeroplan points when you make your first Purchase with your new Card† 

    • Earn an additional 35,000 Aeroplan points when you spend $12,000 within 180 days of Account opening†

    • Plus, earn a one-time anniversary bonus of 30,000 Aeroplan points when you spend $24,000 within 12 months of Account opening†

    Additional Travel Benefits

    • Apply for the NEXUS program membership and once every 48 months get an application fee rebate (up to $100 CAD)†.

    • Share first free checked bags with up to 8 travel companions† and get unlimited access to Maple Leaf Lounges† including complementary access for one guest.

    • Plus, primary cardholders get 6 complimentary worldwide select airport lounge visits annually through the Visa Airport Companion Program†

    Starbucks Bonus Offer for New Linked Members†: Link your TD Aeroplan Visa Infinite to earn 600 Starbucks Stars and redeem them for free Starbucks treats. Limited time only. Conditions and restrictions apply.

    Disclosures:

    †Terms and conditions apply.

    This offer is not available for residents of Quebec.

    The Toronto-Dominion Bank (TD) is not responsible for the contents of this site including any editorials or reviews that may appear on this site. For complete and current information on any TD product, please click the Apply Now button. Sponsored Content.

    Learn more by reading our complete TD® Aeroplan® Visa Infinite Privilege* Card review.

    You can learn more about the Aeroplan program by reading our complete Aeroplan Points Guide .

Some Canadians have historically disliked AIR MILES because it can be difficult to earn points quickly without an  AIR MILES credit card , and making redemptions can be tricky. That said, there is a sweet spot to be found: If you book interprovincial flights through the AIR MILES Dream Miles option, you get an incredible value for your points since those flights typically cost a fair amount in cash. The amount of AIR MILES it takes depends on where you're going and what season you're flying, which complicates things a bit. But Air Miles does provide a helpful chart  to show you what it'll cost.

The nice thing about AIR MILES is that they have a co-branded credit card with no annual fee in the BMO AIR MILES® † MasterCard® *.

Featured AIR MILES credit card

1,200 AIR MILES*

Welcome Bonus

$263

First Year Value

$143

Annual Value

Welcome Bonus: Get 1,200 AIR MILES Bonus Miles‡ and a 0.99% introductory interest rate on balance transfers for 9 months with a 2% transfer fee.† Expires Jun 01, 2025

Apply Now On BMO's Secure Site

  • Overview of the BMO AIR MILES®† MasterCard®*

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    You can double dip on points at AIR MILES sponsored locations* and you'll get 3x the Miles for every $25 spent at participating AIR MILES Partners and 2x the Miles for every $25 spent at any eligible wholesale clubs, membership-based retailers and alcohol retailers

    All other purchases get you 1 Air Mile per $25 spent* and there is a welcome bonus of Get 1,200 AIR MILES Bonus Miles‡ and a 0.99% introductory interest rate on balance transfers for 9 months with a 2% transfer fee.†. It's a good entry level card for those who want to start collecting Air Miles.

    Learn more by reading our complete BMO AIR MILES®† MasterCard®* review.

    You can learn more about the AIR MILES program by reading our complete AIR MILES Guide .

    *Terms and conditions apply

If you're primarily looking for flexibility, you should consider American Express Membership Rewards®. Travel can be booked through the American Express travel portal, where you can redeem 1,000 Membership Rewards® (MR) points for $10 in travel. Alternatively, you can charge any travel expense to your  American Express credit card  and then redeem your points toward that purchase at the same ratio.

American Express has multiple travel partners where you can transfer your points, but the two that give the most value are Aeroplan and Marriott Rewards. With Aeroplan, it'll cost you 1,000 MR points to get 1,000 Aeroplan points (ie a 1:1 transfer). If you want Marriott Rewards points, you'll get 1,200 points for every 1,000 MR points transferred.

American Express also has the Fixed Points Travel Program, which can be beneficial. Most of the redemptions require the same amount of points compared to Aeroplan, but with Amex, you get access to all seats available on any airline, so that means you get more options for your travels.

One of the best ways to earn American Express Membership Rewards® is with The Platinum Card®.

Featured American Express card

up to 100,000 points

Welcome Bonus

$471

First Year Value

$0

Annual Value

Welcome Bonus: Earn up to 100,000 Membership Rewards® points* – that’s up to $1,000 in value.

Apply Now On American Express' Secure Site

  • Overview of The Platinum Card®

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    The Platinum Card® comes with a hefty fee of $799 per year, but it also comes packed with commensurate benefits: Supplementary Platinum Cards: $250 each; an impressive array of perks; comprehensive travel insurance; The American Express Global Lounge CollectionTM access; etc.

    With its earn rates, every dollar charged to the card helps earn American Express Membership Rewards® points: Earn 2X points on eligible dining and food delivery purchases in Canada, 2X points on travel from eligible flights, hotels, tours and more, and 1X point on everything else. New cardholders can also receive a signup bonus:

    Earn up to 100,000 Membership Rewards® points* – that’s up to $1,000 in value.

    • Earn 70,000 Membership Rewards® points after spending $10,000 on your Card within your first 3 months as a new Platinum® Cardmember. That’s $700 towards your next flight.

    • Plus, earn 30,000 points* when you make a purchase between 14 and 17 months of Cardmembership.* That’s $300 towards dinner out with friends.

    *Current or former Cardmembers with this Card are not eligible for these offers. Other terms apply.

    You can learn more about Amex Membership Rewards® points by reading our complete guide to American Express Membership Rewards Program .

    Contact American Express for the most up-to-date referral bonus figures.

    American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information, click the Apply Now link. If you apply and get approved for an American Express Card, (I/we) may receive compensation from American Express, which can be in the form of monetary payment.

Admittedly, BMO Rewards is a bit more complicated than it needs to be, but it's still among the best travel rewards in Canada since BMO will price match if you call into its customer service line.

You can redeem travel with any provider with BMO Rewards points. You have full control and freedom of choice to book with any travel provider you like so you can benefit from any last-minute deals or better pricing found on another platform including Air Canada/West Jet, Expedia, Airbnb/VRBO while still receiving BMO Rewards' richest redemption rate (150 pts = $1). Once you make your booking, you can immediately redeem BMO Rewards points using the Pay with Points feature. After the redemption is completed, a credit will be applied to your account within 3 to 5 days.

Featured BMO Rewards credit card

up to 90,000 points

Welcome Bonus

$1,072

First Year Value

$322

Annual Value

Welcome Bonus: Get up to 90,000 points and the annual fee waived on your first anniversary for both the primary cardholder and authorized users.* Expires Jun 01, 2025

Apply Now On BMO's Secure Site

  • Overview of the BMO Ascend World Elite®* Mastercard®*

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    The marquee card of the BMO Rewards program, the BMO Ascend World Elite®* Mastercard®*, does come with some impressive features that counterbalance the relatively low value of a BMO Rewards point. It includes some of the best travel insurance offered by Canadian credit cards* and Complimentary membership in Mastercard Travel Pass provided by DragonPass,* with four annual complimentary passes.

    Plus, the first-year annual fee is both waived for the primary ($150) and first authorized ($50) cardholders*.

    Learn more by reading our complete BMO Ascend World Elite®* Mastercard®* review.

    You can learn more about BMO Rewards by reading our complete BMO Rewards Guide .

    *Terms and conditions apply.

    BMO is not responsible for maintaining the content on this site. Please click on the Apply now link for the most up to date information.

CIBC Travel Rewards has its own travel portal, which gives access to flights, hotels, car rental, and all-inclusive properties, but if you call the CIBC travel agency, you'll also get access to anything sold on Expedia or Orbitz. This little-known trick allows you to make travel purchases such as cruises, tours, and attraction tickets. The redemption ratio is 100 Aventura points for $1 in travel.

There's also the Aventura Airline Rewards Chart, which allows you to book travel at fixed prices. This is an attractive option since you can get a higher value for your points compared to when you book via the travel portal or CIBC travel agent.

For example, you could book a flight within a province, territory or US state to an adjoining province, territory or US state with a maximum base fare of $400 for 10,000 – 20,000 Aventura points. In many cases, that's a better value compared to Aeroplan and RBC's fixed schedule. Taxes and fees are extra, but you can use your points to pay for them.

Featured CIBC Aventura credit card

up to 60,000 pts†

Welcome Bonus

$2,320

First Year Value

$570

Annual Value

Welcome Bonus: Get up to $1,750 in value, including up to 60,000 Aventura Points.†

Apply Now On CIBC's Secure Site

  • Overview of the CIBC Aventura® Gold Visa* Card

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    The CIBC Aventura® Gold Visa* Card is a great earning card overall, combining a big welcome offer, decent earn rates, airport lounge access, and relatively low-barrier eligibility requirements. New cardholders can get up to 60,000 Aventura Points† in value including a One-time annual fee rebate†!

    Welcome Bonus:

    Get up to $1,750 in value, including up to 60,000 Aventura Points†:

    • 15,000 Aventura Points when you make your first purchase†

    • 30,000 Aventura Points when you spend $3,000 or more in net purchases in the first 4 monthly statement periods†

    • 15,000 Aventura Points if you have at least $5,000 in net purchases posted to your account in the first 4 monthly statement periods†

    Get a one-time annual fee rebate ($139) for you (the primary cardholder) and up to three authorized users ($50 each): up to $189 value.†

    Elevate your airport experience with 4 complimentary visits at 1,200+ lounges globally through Visa Airport Companion Program: up to $277 value.

    Plus, get a NEXUS™ Application Fee rebate: a $100 value.†

    The card earns 2 points for every $1 spent on eligible travel purchased through the CIBC Rewards Centre† and 1.5 points for every $1 spent at eligible gas stations, EV charging, grocery stores and drug stores†; 1 point for every $1 spent on all other eligible purchases† . The Purchase Annual Interest Rate is 20.99%† ; the Balance Transfer Annual Interest Rate and Cash Advance Annual Interest Rate are 22.99%† (for non-Quebec residents only) and 22.99%† (for non-Quebec residents only) respectively.

    Those who are interested in the card and make more than $60,000 annually† should instead apply for the CIBC Aventura® Visa Infinite* Card, which has a slightly better insurance package and identical features otherwise.

    Learn more by reading our complete CIBC Aventura® Gold Visa* Card.

    †Terms and Conditions Apply. This offer is not available for residents of Quebec.

    The information for the CIBC Aventura® Gold Visa* Card has been collected independently by Money.ca. The card details on this page have not been reviewed or provided by the card issuer.

Mariott Bonvoy is considered one of the best hotel loyalty programs, with more than 7,000 properties in 130+ countries. What makes this program most appealing is that it's free to join and you earn points with every stay in a participating Marriott Bonvoy®* property. Eventually you can use your accumulated points to redeem for free hotel nights or experiences. Alternatively, you can transfer them to various airline programs.

If you frequently stay at hotels, then being loyal to Marriott really pays off as your status level increases when you accumulate more nights. Every time you hit a new status tier you get additional benefits such as free breakfast and a higher earn rate on eligible expenses.

Featured Marriott Bonvoy® card

50,000 points*

Welcome Bonus

$719

First Year Value

$269

Annual Value

Welcome Bonus: Earn 50,000 Marriott Bonvoy® points* after you spend $1,500 on your Card within your first 3 months as a new Cardmember.*

Apply Now On American Express' Secure Site

  • Overview of the Marriott Bonvoy® American Express®*

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    Unlike the United States, Canada doesn't have a lot of hotel branded credit cards; but Marriott Bonvoy® American Express®* is certainly a standout. There are lots of perks for the consummate traveler, including the much-loved Annual Free Night Award every year after your first anniversary, which has a redemption value of as much as 35,000 points (worth a free night in a Category 5 hotel).

    You also get complimentary Marriott Bonvoy Silver Elite status and you receive an automatic upgrade to Gold Elite status once you stay 25 nights (the card comes with 15 Elite Night Credits already) within a calendar year or charge $30,000 to your card. Gold Elite status has lots of perks like 25% extra points at Marriott properties, late checkout, room upgrades and more.

    To top things off, the card features a good line-up of insurance like travel accident insurance, car rental theft and damage insurance, flight delay insurance, baggage delay insurance, lost and stolen baggage insurance, and hotel/motel burglary insurance. Sadly, it doesn't include travel medical insurance.

    Learn more by reading our complete Marriott Bonvoy® American Express®* review.

MBNA Rewards points have competitive value: Points are worth $0.01 each when redeemed for travel (flight, hotel, car rental, etc.) and between $0.005–$0.0083 each when redeemed for a statement credit, depending on the credit card that was used to earn them. Points can also be redeemed for merchandise and gift cards, for which redemption values ​​vary.

The most glaring weakness of the program is probably the fact that you can't use points to pay for an independently booked travel purchase; you need to use MBNA's own portal to book travel with points, though it's worth noting that you can at least take advantage of MBNA's Price Match Guarantee if you find better travel deals elsewhere.

Featured MBNA Rewards card

up to 10,000 points

Welcome Bonus

$860

First Year Value

$360

Annual Value

Welcome Bonus: Earn 4 points per $1 spent on eligible restaurant, grocery, digital media, membership, and household utility purchases until $10,000 is spent annually. Plus, earn up to 10,000 bonus points†.

Apply Now On MBNA Credit Cards' Secure Site

  • Overview of the MBNA Rewards Platinum Plus® Mastercard®

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    The MBNA Rewards Platinum Plus® Mastercard® can earn a colossal amount of points for a card that doesn't charge an annual fee.

    For the first 90 days of account opening, new cardholders will earn an additional 2 points/$1 spent on eligible restaurant, grocery, digital media, membership, and household utility purchases (on top of the regular earn rate of 2 points/$1 spent) until $10,000 is spent annually in each category.

    Plus, new cardholders can get up to 10,000 bonus MBNA Rewards points †† when they sign up for paperless e-statements (5,000 points†) and make $500 or more in purchases within the first 90 days (another 5,000 points†).

    That's on top of a special earn rate of 4 points†† per dollar spent on groceries, restaurants, digital media, memberships, and household utilities during the first 90 days—after that period ends the rate is reduced to 2 points‡ per $1 in those categories, which is still strong. All other purchases earn 1 point‡ per $1 spent. These earn rates are what regularly land the MBNA Rewards Platinum Plus® Mastercard® on our lists of the best credit cards for people with average credit scores and the best rewards credit cards in Canada.

    Learn more by reading our complete MBNA Rewards Platinum Plus® Mastercard® review.

    ‡, ††, ✪, ***, Terms and Conditions apply.

    This offer is not available for residents of Quebec. For residents of Quebec, please click here.

    Sponsored advertising. MBNA is a division of The Toronto-Dominion Bank (TD) and TD is not responsible for the contents of this site including any editorials or reviews that may appear on this site. For complete information on this MBNA credit card, please click on the “Apply Now” button.

    The Toronto-Dominion Bank is the issuer of this credit card. MBNA is a division of The Toronto-Dominion Bank. ®MBNA and other-trademarks are the property of The Toronto-Dominion Bank.

The most impressive aspect of Avion Rewards points is perhaps their transferability. Points can be converted to a number of other of these best travel rewards programs, like WestJet, British Airways Avios, and Cathay Pacific; and the conversion rates are generally very favorable, eg 100 RBC Avion Rewards points for 1 WestJet Dollar, 1:1 conversion ratios for Avios and Cathay Pacific, etc. And quite often RBC runs promotions that generate extra miles when transferring to partners like Avios, which can get you extra bang for your buck.

Featured RBC Avion credit card

up to 55,000 points

Welcome Bonus

$1,313

First Year Value

$213

Annual Value

Welcome Bonus: Get up to 55,000 Avion points* (a value of up to $1,100†). Expires Jun 11, 2025

Apply Now On RBC's Secure Site

  • Overview of the RBC Avion Visa Infinite

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    The RBC Avion Visa Infinite starts new cardholders off with a respectable welcome bonus (see above). The card's regular earn rate, however, is perhaps a little underwhelming relative to competing travel rewards cards, as you get 1.25 Avion points per $1 spent on travel3 but only 1 Avion point per $1 on all other spending*; a bit low for a card with an annual fee above $100.

    That said, there are other card features that will make the RBC Avion Visa Infinite a worthwhile investment for some: If road trips are your thing, linking your Petro-Points card with your RBC card will help you save an extra 3¢/L on gas and earn 20% more Petro-Points and RBC rewards points when you fuel up at Petro-Canada†. The card also comes with insurance a traveler will appreciate, including medical, trip interruption and cancellation insurance, and rental car collision and damage protection†.

    Learn more by reading our complete RBC Avion Visa Infinite review.

    You can learn more about RBC Rewards points by reading our complete RBC Avion Rewards Guide. Refer to RBC Page for up to date offer terms and conditions.

    Refer to RBC page for up to date offer terms and conditions.

    This post contains affiliate links. Please read disclaimer for more info.

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There is no fixed travel program with the Scene+ program, but you can redeem your points at a ratio of 100 points for $1 through the Scene+ travel portal or on travel expenses you've already charged to your  Scotiabank credit card . There is a minimum redemption of 5,000 points for independently booked travel (no minimum for bookings with the Scene+ travel portal), but you can also apply that redemption to any fees, taxes, and surcharges.

Featured Scene + credit card

up to 40,000 pts

Welcome Bonus

$1,512

First Year Value

$732

Annual Value

Welcome Bonus: Earn up to $780* in value in the first 12 months, including up to 40,000 bonus Scene+ points. Expires Jul 01, 2025

Apply Now On Scotiabank's Secure Site

  • Overview of the Scotiabank Gold American Express®

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    Although Scotiabank doesn't have any travel related transfer partners, they do have some great cards that generate rewards very quickly. The Scotiabank Gold American Express® card earns 6x Scene+ points on every $1 you spend at Sobeys, Safeway, Freshco and Foodland, and more eligible grocers.

    It also generates 5x Scene+ points for every $1 you spend on dining, food delivery, food subscriptions, other eligible grocery stores, and eligible entertainment purposes, as well as on eligible entertainment purchases (movies, theater, and ticket agencies). Plus, you'll get 3x Scene+ points for every $1 CAD you spend in Canada on eligible gas and daily transit options, including rideshares, buses and subways, as well as eligible select streaming services. and eligible select streaming purchases, and Earn 1 Scene+ point on all other purchases.

    Learn more by reading our complete Scotiabank Gold American Express® card review.

    Conditions Apply. Visit here for the Scotiabank Gold American Express® Card to learn more.

    *See Card Provider's website and Card Application for complete card details, terms and current offers. Reasonable efforts are made to maintain accuracy of information.

    You can learn more about the Scene+ program by reading our complete Scene+Guide.

TD Travel Rewards is a relatively flexible rewards program since it allows for a variety of different redemption options. If you're booking travel through Expedia for TD (not to be confused with Expedia.ca), it'll cost you 200 TD Points to redeem $1 in travel. This is the best value for consumers since you can book anything that is offered on Expedia for TD, which includes flights, hotels, all-inclusive packages, cruises, car rentals and attraction tickets.

You also have the option to redeem your points for any travel expenses that you have charged to your TD credit card, but it'll cost you 250 points per dollar redeemed for the first $1200 of a travel charge and 200 points per dollar redeemed after that . This is obviously a lower redemption value than Expedia for TD, but TD's definition of eligible travel expenses is quite generous as it not only includes flights but also air travel taxes, baggage fees, lodging, car rentals while traveling, and more.

Featured TD Travel Rewards credit card

up to 135,000 pts†

Welcome Bonus

$468

First Year Value

$0

Annual Value

Welcome Bonus: Earn up to $1,250 in value†, including up to 135,000 TD Rewards Points† and no Annual Fee for the first year†. Conditions Apply.

Apply Now On TD's Secure Site

  • Overview of the TD First Class Travel® Visa Infinite* Card

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    • Earn a Birthday Bonus of 10% of the TD Rewards Points you have earned over the past year, up to a maximum of 10,000 TD Rewards points†.

    • Get an annual TD Travel Credit† of $100 when you book at Expedia® For TD.

    • Get an Annual Fee Rebate for the first year†.

    To receive the first-year annual fee rebate for the Primary Cardholder, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening. To receive the Additional Cardholder(s) first-year annual fee rebate, you must add your Additional Cardholder(s) while the offer is in effect.

    The TD First Class Travel® Visa Infinite* Card offers particularly high earn rates when you book with Expedia for TD: Earn 8 TD Rewards Points† for every $1 you spend when you book travel through Expedia® For TD†. 6 TD Rewards Points† for every $1 you spend on Groceries, Dining, and Public Transit†. Earn 4 TD Rewards Points† for every $1 you spend on regularly recurring bill payments set up on your Account†. Earn 2 TD Rewards Points For every $1 you spend on other Purchases made using your Card†.

    Learn more by reading our complete TD First Class Travel® Visa Infinite* Card review.

    †Terms and conditions apply.

    This offer is not available to residents of Quebec.

    The Toronto-Dominion Bank (TD) is not responsible for the contents of this site including any editorials or reviews that may appear on this site. For complete and current information on any TD product, please click the Apply Now button. Sponsored Content.

The biggest draw of WestJet is its use of tiers: As soon as you enroll in the WestJet program, you're instantly awarded Teal tier status, which provides 0.5% back in WestJet dollars on flights. As you spend more on WestJet travel and services, your tier increases, garnering additional travel benefits such as advanced seat selection, free checked bags, airport lounge access, and higher earn rates. Those who reach Silver, Gold, and Platinum tiers earn 3%, 5%, and 8% back on WestJet flights respectively. Best of all, your tier stacks with the earn rates provided by WestJet credit cards, so you can potentially earn up to 10% in WestJet dollars on qualifying purchases.

One of the few major criticisms to note about WestJet Rewards is that your WestJet dollars can only be redeemed for base fares; they can't be used to pay for a flight's taxes, fees, or surcharges.

Featured WestJet RBC credit card

$700 WestJet points†

Welcome Bonus

$667

First Year Value

$0

Annual Value

Welcome Bonus: Get up to $700 in WestJet points†. Expires May 28, 2025

Apply Now On RBC's Secure Site

  • Overview of the WestJet RBC World Elite Mastercard

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    If you're looking for the holy grail of air travel—the coveted round-trip companion voucher —look no further. The WestJet RBC World Elite Mastercard, after activation and use, lets you fly a companion† return to anywhere in continental North America for $119, annually, with no restrictions. Or spend $399 and fly with your companion anywhere else in the world that WestJet flies.

    If you typically find yourself flying solo you can instead opt to exchange your annual round-trip companion voucher for 4 airport lounge vouchers. The card also offers a free first checked bag for the primary cardholder and up to eight additional guests on the same reservation†. Cardholders receive travel coverage including emergency medical insurance20 as well as trip interruption insurance, hotel burglary and rental car insurance†. Even eligible purchases you make on the card are protected.

    • Save $240 with free first checked bags for a family for 4 (traveling on the same reservation)†

    • $119 for the second guest using your annual World Elite round-trip companion voucher†

    Learn more by reading our complete WestJet RBC World Elite Mastercard review.

    Refer to the RBC Page for up to date offer terms and conditions.

💰 How to calculate the value of your travel rewards program's points

It's essential to have a good idea of ​​the real value of a program's travel rewards points before you select the rewards program or credit card for you. 

To figure out your cost per point (CPP), you would divide 1 by the number of points to earn $1 in travel. That means if it takes 100 points for $1 in travel, then your CPP is $.01. Alternatively, if it takes 140 points to claim $1 in travel, your CPP is $.007. Of course, you also need to factor in any fees, taxes, and surcharges you might pay when making a redemption.

You'll also want to know how many points you can earn with a specific credit card, since the ability to rapidly earn points is just as important as their value when redeemed. If the value of each point is high, but you rarely earn rewards, or earn a low amount, the card is probably not the right choice for you.

Contact American Express for the most up-to-date referral bonus figures.

American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information, click the Apply Now link. If you apply and get approved for an American Express Card, (I/we) may receive compensation from American Express, which can be in the form of monetary payment.

Best travel rewards programs FAQs

  • What are the best travel rewards programs in Canada?

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    Some of the leading travel rewards programs in Canada include:

    • Aeroplan: Air Canada's loyalty program, allowing members to earn and redeem points for flights, hotel stays, and other travel-related expenses.

    • AIR MILES: A coalition loyalty program where members collect miles from various partners and redeem them for travel, merchandise, or events.

    • American Express Membership Rewards: Offers flexible points that can be transferred to multiple airline and hotel partners or used for travel bookings.

    • RBC Avion: Allows members to earn points redeemable for travel, including flights with any airline, without blackout periods.

    • Scene+: A program that lets members earn and redeem points for movies, dining, and travel through partnerships with various retailers and service providers.

  • What factors should I consider when choosing a travel rewards program in Canada?

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    When selecting a travel rewards program, consider the following factors:

    • Earning Potential: Evaluate how easily you can accumulate points based on your spending habits and the program's partners.

    Redemption options: Look for programs that offer flexible and valuable redemption choices aligned with your travel preferences.

    Transferability: Determine if the program allows point transfers to other loyalty programs, enhancing flexibility.

    Fees and expiry policies: Be aware of any annual fees associated with the program and whether the points expire after a certain period.

  • Can I transfer points between different travel rewards programs in Canada?

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    Transferring points between different travel rewards programs is generally limited. However, some programs offer flexibility:

    • American Express Membership Rewards: Points can be transferred to several airline and hotel loyalty programs, providing versatility in redemption options.

    • RBC Avion: Allows point transfers to certain frequent flyer programs, though the list of partners is more limited.

    It's essential to review each program's transfer policies and potential fees before making any transfers.


Barry Choi Contributor

Barry Choi is a Toronto-based personal finance and travel expert who makes frequent media appearances. When he's not educating people on how to be smarter with money, he's earning and burning miles and points for luxury travel.

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