Best Credit Cards for Travel Insurance – June 2025

National Bank World Elite Mastercard

The National Bank World Elite Mastercard is the best Mastercard credit card on NBC.

With this card, you earn up to 5 points per dollar on your purchases:

• 5 points per dollar for groceries and restaurants
• 2 points per dollar on gas and electric recharge purchases
• 2 points per dollar on recurring bills
• 2 points per dollar on À la carte Travel
• 1 point per dollar for all other purchases

And since it’s a Mastercard credit card, you can use it at Costco.

With this card, you have access to a $150 annual travel credit that you can use in any of these categories:

• Airport parking
• Baggage fees
• Seat selection
• Access to airport lounges
• Flight upgrades

What’s more, you can enjoy access to DragonPass airport lounges and unlimited access to the National Bank Lounge at Montreal-Trudeau.

Finally, Milesopedia voted National Bank World Elite Mastercard the Best Credit Card for Travel and the Best Credit Card for Insurance in 2023, 2024 and 2025 respectively.

Scotiabank Passport™ Visa Infinite* Card

With this welcome offer for the Scotiabank Passport Visa Infinite Card, you’ll receive up to 40,000 Scene+ points in welcome bonus (a $400 value):

• 30,000 points after $2,000 in purchases in the first three months
• 10,000 points after $40,000 in purchases in the first year

Then, each year, if you make at least $40,000 in purchases on the card, you’ll earn an annual bonus of at least 10,000 points, a value of $100.

With the Scotiabank Passport Visa Infinite Card, you earn 3 points per dollar spent at Sobeys, IGA, Safeway, Foodland, FreshCo, Voilà by Sobeys, Voilà by IGA, Voilà by Safeway, and Chalo! FreshCo, Thrifty Foods, IGA West, Les Marchés Tradition, Rachelle Béry and Co-Op.

You’ll also earn 2 points for every dollar you spend, including on foreign purchases, in the following categories:

• Grocery shopping
• Restaurants
• Entertainment centers
• Transit

The Scotiabank Visa Infinite Passport is an excellent Visa credit card for this type of purchase.

These points can be used against any travel purchase at the rate of1,000 points = $10 (flights, hotels, all-inclusives and even Airbnb). You can also redeem your points for cash back at Scene+, for example, at your local grocery store checkout at the same rate of 1,000 points = $10.

The Scotiabank Visa Infinite Passport also offers :

• No fees for foreign currency transactions
• 6 access to VIP airport lounges
• Excellent insurance for your travels and purchases
• Concierge service

We voted this credit card the Best No FX Fee Credit Card of 2024 and 2025.

TD First Class Travel^® Visa Infinite* Card

Avec la Carte Visa Infinite* TD Classe ultime Voyagesᴹᴰ, vous pouvez obtenir jusqu’à 85 000 points Primes TD^† et une remise des frais annuels la première année :

• 20 000 points Primes TD pour le premier achat réglé avec votre carte^†
• 65 000 points Primes TD si vous dépensez 5 000 $ dans les 180 jours suivant son ouverture^†
• Une prime d’anniversaire de jusqu’à 10 000 points Primes TD^†.

De plus, ne payez aucuns frais annuels la première année^†.

Avec la Carte Visa Infinite* TD Classe ultime Voyagesᴹᴰ, vous obtenez :

• 8 points Primes TD^† par dollar d’achat quand vous réservez auprès d’Expediaᴹᴰ pour la TD^†
• 6 points Primes TD par dollar sur vos achats d’épicerie, de restauration et de transport en commun^†
• 4 points Primes TD par dollar sur vos paiements de factures récurrentes et sur vos achats de services de diffusion en continu ainsi que de jeux et de médias numériques^†
• 2 points Primes TD par dollar sur tous les autres achats que vous réglez avec votre carte^†

Cette carte de crédit TD est l’une des meilleures cartes TD avec points-voyage. Depuis le 30 avril 2025, elle offre maintenant l’accès aux salons VIP d’aéroport avec 4 visites gratuites par année.

American Express Platinum Card^®

The Platinum Card® is the best Premium Card in Canada for travellers.

With this welcome offer, you can earn up to 180,000 Membership Rewards points:

• 100,000 points when you charge $10,000 in net purchases to your Card in the first 3 months after signing up;
• 50,000 additional points after a total of $50,000 in net purchases during the first 12 months;
• 30,000 points if you make a purchase between 15 to 17 months after signing up.

This exceptional offer ends on August 18, 2025, so don’t miss out!

With this Card, you get:

• 2 points per dollar for dining purchases
• 2 points per dollar on travel purchases
• 1 point per dollar for other purchases

You can use your Membership Rewards points in many ways:

• Transfer points to airline partners: Aeroplan, Avios (British Airways / Qatar Airways), Flying Blue, Delta Skymiles, etc.
• Transfer your points to hotel programs (Hilton Honors, Marriott Bonvoy)
• Redeem points for statement credits to offset any travel purchase charged to your Card (1,000 points = $10)
• Redeem points for statement credits towards other purchases (1,000 points = $10)
• And more!

For example, with this welcome offer, if you decide to transfer your Membership Rewards points to a partner loyalty program, you would have the choice of earning up to :

• 180,000 Aeroplan points
• 180,000 Avios
• 135,000 Flying Blue Miles
• 216,000 Marriott Bonvoy points

With this card, you also have advantages for your travels:

• $200 Annual Travel Credit
• $200 Annual Dining Credit
• $100 NEXUS Card Statement Credit
• Complimentary & unlimited access for you and one additional traveller to over 1,400 airport lounges in more than 130 countries
• Hilton Honors Gold Elite status (complimentary breakfast at all Hilton hotels)
• Marriott Bonvoy Gold Elite status
• Access to the Fine Hotels and Resorts program

Last but not least, the Platinum Card® offers a wide range of insurance coverage: rental car theft and damage, $500,000 travel accident, emergency medical expenses (out-of-province or out-of-country), lost or stolen baggage, flight delays and misdirected baggage, hotel or motel burglary, Purchase Protection, Purchase Security.

Like all American Express Canada Cards, there is no minimum income requirement.

BMO Ascend World Elite Mastercard

The BMO Ascend World Elite Mastercard is one of the best World Elite Mastercard credit cards with travel points in Canada. With our exclusive offer, you can get up to 100,000 bonus points:

• 55,000 points after $4,500 in Card purchases in the first 3 months
• 3,750 points per month after $2,500 in monthly purchases from the 4th to the 15th month (up to 45,000 points)

Plus, the annual fee is waived in the first year for both the primary cardholder and authorized users.

With the BMO Ascend World Elite Mastercard, a premium credit card from BMO, you get:

• 5 points per dollar on travel purchases
• 3 points per dollar on dining purchases
• 3 points per dollar for entertainment purchases
• 3 points per dollar on recurring bill payments

And 1 point for every $1 spent everywhere else, including at Costco. You can use BMO Rewards points for all travel purchases made through the agency or website of your choice (flights, hotels, car rentals, all-inclusive resorts, Airbnb, etc.) or for rewards and gift cards on the BMO Rewards platform.

The BMO Ascend World Elite Mastercard also offers:

• Four annual complimentary passes to airport VIP lounges
• Excellent Premium insurance for your travels or purchases
• a premium concierge service

TD^® Aeroplan^® Visa Infinite Privilege* Credit Card

Avec la Carte Visa Infinite Privilège* TDᴹᴰ Aéroplanᴹᴰ, vous pouvez obtenir jusqu’à 85 000 points Aéroplan^† :

• 20 000 points Aéroplan lorsque vous effectuez votre premier achat avec votre nouvelle carte^†
• 35 000 points Aéroplan additionnels lorsque vous dépensez 12 000 $ dans les 180 jours suivant l’ouverture du compte^†
• De plus, obtenez un bonus d’anniversaire unique de 30 000 points-bonis Aéroplan lorsque vous dépensez 24 000 $ dans les 12 mois suivant l’ouverture du compte^†
• Faites une demande d’adhésion au programme NEXUS et, tous les 48 mois, obtenez une remise (allant jusqu’à 100 $ CA) sur les frais de demande d’adhésion^†
• Accès aux salons Feuille d’Érable d’Air Canada^†
• 6 accès annuels aux salons d’aéroport membres du programme Compagnon d’aéroport Visa^† présenté par DragonPass International Ltd. 
• Jusqu’à 8 passagers pourront enregistrer le premier bagage sans frais (poids maximum de 23 kg/50 lb) lorsque le voyage est amorcé avec un vol d’Air Canada^†

C’est la meilleure carte de crédit TD pour les voyageurs fréquents d’Air Canada.

Avec la Carte Visa Infinite Privilège* TDᴹᴰ Aéroplanᴹᴰ, vous obtenez 1,5 points^† par dollar d’achat admissible pour :

• Les épiceries et les restaurants
• Les stations-services, dont l’essence et la recharge de véhicules électriques
• Les voyages et le transport en commun

Et 2 points^† par dollar d’achat pour Air Canada, incluant Vacances Air Canada. Partout ailleurs, vous obtiendrez 1,25 point^† par dollar. 

RBC Avion Visa Infinite Card

With this offer for RBC Avion Visa Infinite Card, you can earn 35,000 Avion points upon approval.

You can use your Avion Rewards points for travel or convert them to other loyalty programs such as:

• American Airlines AAdvantage
• The British Airways Club (and Qatar Airways Privilege Club)
• Cathay Pacific Asia Miles
• WestJet Rewards

The current welcome offer, for example, gives you the equivalent of 35,000 British Airways Avios or 35,000 WestJet points.

With the RBC Avion Visa Infinite Card, you earn 1 point per dollar and 1.25 points for travel purchases.

What’s more, you’ll benefit from a wide range of insurances: trip cancellation and interruption insurance, out-of-province or out-of-country emergency medical care insurance, collision and damage insurance for rental vehicles, and mobile device insurance.

Scotiabank Platinum American Express^® Card

For a limited time, by subscribing to Scotiabank Platinum American Express® Card, you can earn up to 80,000 points. That’s a value of $800 for trips including Airbnb.

With Scotiabank Platinum American Express® Card, you earn 2 points per dollar spent on all your purchases. You can redeem your points on travel purchases (flights, hotels, all-inclusive and even Airbnb). And you can also use them for other rewards in the Scene+ program, such as cash back.

What’s more, with this card you pay no fees for foreign currency transactions, and you get 10 free accesses to airport VIP lounges like Priority Pass and Premium Plaza.

And you get excellent insurance for your travels or purchases, concierge service, and exclusive American Express Offers (American Express Invites Program).

BMO^® AIR MILES^® World Elite^®* Mastercard^®*

With this exclusive offer for the BMO AIR MILES World Elite Mastercard, earn up to 7,000 bonus AIR MILES:

• 3,000 miles after $4,500 in purchases in the first 110 days
• 2,000 additional miles after $10,000 in total purchases (including the $4,500 from the previous condition) within 180 days
• 2,000 additional miles after $20,000 in total purchases (including all expenses under the previous conditions) in the first year

What’s more, you pay no annual fee for the first year. This is the highest offer ever seen for this card!

With this card, you earn 3 miles for every $12 spent at participating AIR MILES Partners. Then, earn 2 miles for every $12 in purchases at any eligible grocery store and wholesale club (warehouse like Costco) or alcohol retailer (SAQ, LCBO, etc.). Everywhere else, you’ll earn 1 AIR MILES mile for every $12 in purchases, including Walmart.

What’s more, it’s the only AIR MILES credit card in Canada to offer a 25% discount on AIR MILES flights to any destination during the calendar year.

The BMO® AIR MILES® World Elite®* Mastercard®* card also offers:

• 7 ¢/L discount on Shell V-Power fuel and 2 ¢/L discount on all other Shell fuels
• Excellent insurance for your travels and purchases
• 2X miles for car rentals with National or Alamo