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The Best VIP Lounge Credit Cards in Canada – October 2021

Best Credit cards For VIP Lounges

These credit cards give you access to VIP lounges at airports in Canada or abroad.

Here is a table summarizing the different offers. For more details, read on or click on the name of a card.

Platinum Card®

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

With this welcome offer, you can earn up to 100,000 Membership Rewards points.

Here’s how:

  • 80,000 Membership Rewards points after $6,000 in Card purchases wthin the first 3 months
  • 20,000 Membership Rewards points when you make a purchase between 14 and 17 months of Cardmembership

With this card, you get:

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

You can use your Membership Rewards points in multiple ways:

  • Transfer your points to airline partners (Aeroplan, British Airways Executive Club, Delta Skymiles, Flying Blue, 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!

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

  • $200 Annual Travel Credit
  • Unlimited access for you and an additional traveller to more than 1,200 airport lounges across 130 countries
  • Hilton Honors Gold Elite status (complimentary breakfast at all Hilton hotels)
  • Marriott Bonvoy Gold Elite status
  • Access to the Fine Hotels & Resorts program

Finally, the Platinum Card® comes with premium insurance: Car Rental Theft and Damage, $500,000 Travel Accident, Emergency medical insurance (outside the province or country), Lost or Stolen Baggage, Flight delay insurance and misdirected baggage, Hotel or motel burglary, Purchase Protection® Plan, Buyer’s Assurance® Protection Plan.

American Express®* Aeroplan® Reserve Card

With this welcome offer for the American Express® Aeroplan®* Reserve Card, you can earn up to 90,000 Aeroplan points and an Air Canada Buddy Pass.

Here’s how:

  • 30,000 Aeroplan points and a bonus Buddy Pass after $3,000 in Card purchases within the first 3 months
  • 5,000 Aeroplan Points per month, after $1,000 in Card purchases per month for the first 12 months, or 60,000 Aeroplan Points

Remember, you can convert the Air Canada Buddy Pass into 30,000 Aeroplan Points if you wish. So you could earn up to 120,000 Aeroplan points with this welcome offer.

With this Card, you earn 3X the points on purchases made directly with Air Canada and Air Canada Vacations.

And 2x the points on Dining and Food Delivery purchases in Canada. Everywhere else, you will earn 1.25X the points.

With this Card, you’ll enjoy Air Canada Travel benefits like access to Air Canada Maple Leaf Lounges, priority check-in, priority boarding and priority baggage handling.

Enjoy your first checked bag free (up to 23kg/50lb) for up to 9 people travelling on the same reservation on Air Canada®* flights.

NBC World Elite Mastercard

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

Take advantage of this welcome offer to :

  • Earn 15,000 Reward Points after a net purchase of $3,000 or more in the first three months
  • get a first-year annual fee rebate

You can earn up to 2 points per dollar in card purchases, including at Costco.

Besides, you get up to $250 in travel credits per calendar year:

  • Airport parking: $100
  • Baggage fees: $100
  • Seat selection: $50

Besides, you can enjoy access to the LoungeKey airport lounges as well as free Wi-Fi with Boingo.

The National Bank’s World Elite Mastercard® is a credit card to keep, year after year, for several reasons:

  • it has one of the best travel and purchases credit card insurance on the market
  • up to $250 travel credit per year
  • Unlimited access to the National Bank Lounge at Montreal-Trudeau airport

Business Platinum Card® from American Express

With the Business Platinum Card® from American Express, you earn 1.25 Membership Rewards points for virtually every $1 in purchases.

With this great welcome offer, you can earn 80,000 bonus Membership Rewards® points when you spend $6,000 in purchases within the first three months of Cardmembership. Plus, earn an additional 20,000 bonus Membership Rewards points when you make a purchase after your 14-month Card anniversary date.

You can use your Membership Rewards points in multiple ways:

  • Transfer points to frequent flyer programs (Aeroplan, British Airways Executive Club, Delta Skymiles, etc.)
  • Transfer your points to hotel programs (Hilton Honors, Marriott Bonvoy)
  • Redeem points for statement credits to offset any eligible purchase charged to your Card (1,000 points = $10)
  • And more!

With the Business Platinum Card® from American Express,you also get travel benefits:

With this Card you can maximize your cash flow with up to 55 interest free days.

Finally, the Business Platinum Card® from American Express comes with premium insurance: Car Rental Theft and Damage, $500,000 Travel Accident, Emergency medical insurance (outside the province or country), Lost or Stolen Baggage, Flight delay insurance and misdirected baggage, Hotel or motel burglary, Purchase Protection® Plan, Buyer’s Assurance® Protection Plan.

Scotiabank Passport™ Visa Infinite* Card

With the Scotiabank Passport™ Visa Infinite* Card, you get 30,000 points after only $1,000 in card purchases ($300 value).

And every year, if you charge at least $40,000 in purchases to your card, you’ll get a 10,000 annual bonus ($100 value).

Besides, the first year is free for the primary and additional cardholders.

With the Scotiabank Passport™ Visa Infinite* Card, you get 2 points per dollar you spend on:

  • grocery stores
  • Restaurants
  • Entertainment
  • Transportation

You can redeem your points for any travel purchases (flights, hotels, all-inclusive and even Airbnb).

The Scotiabank Passport™ Visa Infinite* Card also offers:

  • no foreign transaction fee
  • 6 complimentary passes to airport VIP lounges
  • Premium insurance for your travels or purchases
  • Concierge services

CIBC Aventura® Visa Infinite* Card

The CIBC Aventura® Visa Infinite* Card is one of the best Visa credit cards with travel rewards and benefits in Canada. The minimum annual income required for this card is $60,000 (personal) or $100,000 (household).

You can earn up to 35,000 points:

  • Get 20,000 Aventura Points when you make your first purchase
  • Also, in your first year you can also earn an additional 1,250 Aventura Points each monthly statement period in which you spend at least $1,000. That’s up to 15,000 points!

Plus, you can get a first-year annual fee rebate (a $139 value).

With this Card, you earn:

  • 2 points for every $1 spent on travel purchased through the CIBC Rewards Centre†
  • 1.5 points for every $1 spent at eligible gas stations, grocery stores and drug stores
  • 1 point for every $1 spent on all other purchases†

The CIBC Aventura® Visa Infinite* Card also offers:

  • Airport lounges access: A Priority Pass membership and 4 complimentary visits per year
  • A NEXUS application fee rebate (a $50 value)

And this card has comprehensive insurance:

  • Mobile Device Insurance (it’s one of the few cards in Canada to offer this)
  • Hotel Burglary Insurance
  • Trip Cancellation and Trip Interruption Insurance
  • Out-of-Province Emergency Travel Medical Insurance
  • Auto Rental Collision and Loss Damage Insurance
  • $500,000 Common Carrier Accident Insurance
  • Purchase Security and Extended Protection Insurance
  • Flight Delay and Baggage Insurance

CIBC Aventura® Gold Visa* Card

If you don’t meet the income requirements for the CIBC Aventura® Visa Infinite* Card, you could apply for the CIBC Aventura® Gold Visa* Card. The minimum annual income required for this card is $15,000 (household).

You can earn up to 35,000 points:

  • Get 20,000 Aventura Points when you make your first purchase
  • Also, in your first year you can also earn an additional 1,250 Aventura Points each monthly statement period in which you spend at least $1,000. That’s up to 15,000 points!

Plus, you can get a first-year annual fee rebate (a $139 value).

With this Card, you earn:

  • 2 Aventura Points for every $1 spent when you purchase your trip through the CIBC Rewards Centre
  • 1.5 points for every $1 spent at eligible gas stations, grocery stores and drug stores
  • 1 Aventura Point for every $1 spent using your card

The CIBC Aventura® Gold Visa* Card also offers:

  • Airport lounges access: 4 complimentary visits per year and a Priority Pass membership
  • $50 for your NEXUS application fee

And this card has comprehensive insurance:

  • Mobile Device Insurance (it’s one of the few cards in Canada to offer this)
  • Hotel Burglary Insurance
  • Out-of-Province Emergency Travel Medical Insurance
  • Auto Rental Collision/Loss Damage Insurance
  • $500,000 Common Carrier Accident Insurance
  • Purchase Security and Extended Protection Insurance
  • Flight Delay and Baggage Insurance

BMO® World Elite®* Mastercard®*

The BMO® World Elite®* Mastercard®* is one of the best Mastercard credit cards with travel points in Canada.

You can earn a welcome bonus of 30,000 points, which is a $210 value in travel rewards:

  • 25,000 points after $3,000 in Card purchases within the first 3 months
  • 5,000 points on your first anniversary (12 months after the account opening date)

Besides, the $120 annual fee is waived in the first year!

With the BMO World Elite Mastercard, you get 3 points for every dollar spent on:

  • Travel
  • Dining
  • Entertainment

And 2 points for every dollar you spend, Costco included!

You can redeem your BMO Rewards points on travel booked on the BMO Rewards website (flights, hotels, rental cars, all-inclusive).

The BMO® World Elite®* Mastercard®* also comes with:

  • 4 complimentary passes to airport VIP lounges
  • Premium insurance for your travels or purchases
  • Concierge services

Finally, you can combine the points you get with the two other BMO Rewards cards to save even more on your travels!

Other great offers

Frequent Asked Questions about credit cards

Here are frequently asked questions in the milesopedia community about credit cards in Canada.