All-inclusive travel: The best credit cards for vacations to sun destinations

To the point Here are the best credit cards to save on all-inclusive travel to sun destinations.

When you have the opportunity to spend a week in an all-inclusive in Southit is already very hot. What would be even better?

  • eat and relax in a lounge before taking off
  • be insured in case of loss of luggage
  • get taken care of if a medical emergency occurs
  • paid for this vacation with Reward Points from daily purchases
  • earn as many reward points as possible on this trip to fund the next one!

Credit card rewards points can make your all-inclusive trip virtually free!

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The best credit cards to get an all-inclusive package for free (or almost)

It’s easy to earn $1,500 in travel rewards to pay for an all-inclusive trip each year. How?

First option: with a large volume of annual expenses

In the world of travel hacking, there is no such thing as the best credit card: you have to build your credit card wallet to optimize each purchased item (groceries, restaurants, gas, travel, etc.).

For example, the Desjardins Odyssey World Elite Mastercard separates reward categories in this way:

Catégories Desjardins

As a result, it’s possible to accumulate between $900 and $1,500 in BONUSDOLLARS by spending between $50,000 and $100,000 a year.

Option 2: Credit card application bonuses

What to do when you don’t have a large purchase volume? You should look into credit card application bonuses to afford a vacation in the South.

In fact, it’s possible to collect the equivalent of $1,500 in rewards for our all-inclusivetrip.

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Travel point strategies that can be applied to the travel package and cash back are preferred for all-inclusive vacations.

Here is an example of a strategy


Scotiabank Passport Visa Infinite* Card

75,000 TD Reward points $5,000 10,000 points Annual fee
reimbursed in the first year

National Bank World Elite Mastercard

40,000 NBC Rewards points $15,000 15,000 points Annual fees reimbursed in the first year $550
American Express Cobalt® Card 15,000 Membership Rewards points $9,000
spread over the first year
45,000 Membership Rewards* points $155,88 $600
TOTAL 130,000 points 29,000 $ 70,000 points $155,88 1,575 $

*by maximizing the minimum monthly spending requirement in the 5 points per dollar category.

This strategy accumulates $1,419 in net value ($1,575 – $156) on $29,000 in expenses.

This all-inclusive travel credit card strategy uses three types of rewards points to help defray the costs of a Southern vacation!

Sure, this requires credit card management, but you’ll be on the beach much faster than if you waited to spend $50,000 in order to get enough points. It’s up to you to see if it’s worth it!

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Finally, if you really have $50,000+ in annual spending, why not pick up a lot more points for multiple all-inclusive trips per year?

How to use credit card points for an all-inclusive vacation in the South

There are many ways to pay for an all-inclusive trip with credit card travel points.

In fact, with a travel points credit card , you can use your rewards points to pay for all or part of the cost of your vacation on the beach.

Here are some examples of how travel points can be used for sun destination packages.

CIBC Aventura

With a limited-time promotion, you can redeem 50% fewer Aventura points when you book any trip with your credit card, such as an all-inclusive trip.

cibc promo redemption en

If you’ve signed up for our exclusive offer on the CIBC Aventura® Visa Infinite* Card or CIBC Aventura® Gold Visa* Card, and earned the welcome bonus of 40,000 points, that’s $500 towards any travel purchase! Like an all-inclusive travel.

And if you get both credit cards during the promotion (and via our exclusive offer), that’s over $1,000 toward any travel purchase. Like an all-inclusive travel. If there are several of you in your household, apply for this card to lighten your travel bill with points!

Not bad for a credit card with no annual fee for the first year (and four complimentary visits to airport lounge each)!

National Bank Rewards Points

With the National Bank’s À la carte Rewards program, travel points can be used in two ways.

Programme de récompense BNC

You can book an all-inclusive package with your travel points through Voyage À la Carte: 10,000 points per $100 and top up with cash if you don’t have enough points. This is the best way to use National Bank Rewards points. Plus, your purchase will also earn you extra points!

In this example, we can see a $200 discount when using 20,000 points on the price of the all-inclusive trip for two people.

Points BNC Tout inclus

However, if you have found a cheaper all-inclusive trip on another platform, it is also possible to use your points as a statement credit.

It is also possible to use these rewards points when using a travel agency (Voyage à Rabais, Voyages Bergeron, independent agency, etc.) for the all-inclusive package!


TD Reward Points

At TD, TD Rewards points are used in a similar way as National Bank on the TD platform: Expedia for TD.

Expedia td exemple

Currently, the TD First Class Travel® Visa Infinite* Card has a sign-up bonus of up to 75,000 TD Rewards points. That’s $375 in travel discounts on all-inclusive vacations booked through Expedia for TD!

TD Rewards points can also be applied as a statement credit if you book your all-inclusive stay in the South in any way; with a travel agency for example. The value will be slightly less.

American Express Privilege Points

The American Express Cobalt Card is one of the best credit cards in Canada for earning lots of points fast.

Indeed, its main highlight is that it earns you 5X points on everything categorized as restaurants, food deliveries and groceries. These privilege points are cash back equivalent to 5% at the grocery store.

Catégories Cobalt

It’s not mentioned, but grocery stores are indeed businesses that give 5X the points. Think of the gift card display in grocery stores!

It’s a great way to earn lots of points on other types of spending (Walmart, gas, clothing, SAQ, Amazon, etc.).

Cobalt Épicerie 2

When used, Reward Points appear as a credit to the account on the credit card statement. The credit is applied in the same manner as a payment from you towards the account balance: 30,000 Membership Rewards points = $300.

Reward points can be used to cover the cost of the all-inclusive trip or on everyday purchases! By saving money every day, a part of the budget is freed up for vacations!

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Aeroplan points

Aeroplan points can be used for a vacation package under the sun with Air Canada Vacations only. In fact, it is a travel discount that will be deducted from the final amount when booking the all-inclusive.

In this example, the number of points to be redeemed is 200,000 Aeroplan points for a discount of $2,000.

Aeroplan Tout Inclus Option Toute flexibilité

Milesopedia gives a current valuation of 2.0¢ to an Aeroplan point. This is a benchmark figure when considering whether to book a flight with cash or with Aeroplan points. So according to the formula for valuation calculation:

2,000/200,000 = 1¢ per Aeroplan point

So using 1¢ per Aeroplan point is lower than its estimated value of 2¢ per Aeroplan point.

So, while it’s less worthwhile to use Aeroplan points for an all-inclusive than we aim for at Milesopedia, money saved is money saved on the all-inclusive trip to be used elsewhere!

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Cash back

All cash back credit cards are also great for saving on an all-inclusive trip to the South.

Cash back is best for those who don’t want to juggle different booking platforms.

There are also some great welcome offers going on!

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Other benefits of credit cards for all-inclusive vacations

Access lounges before flying

At Montreal airport, four VIP lounges are available to passengers departing from the international zone.

For an all-inclusive trip to the South, the National Bank and Odyssey Desjardins lounges will be the easiest to access.

Salon BNC

Simply being a National Bank World Elite Mastercard® credit card holder means unlimited free access for the primary cardholder, one guest and two children under 12!

As for the Desjardins Odyssée lounge, the Odyssey cards provide up to 12 accesses per year.

The Air Canada Maple Leaf and Air France KLM Lounges are also open for people traveling south!

For the Air Canada Maple Leaf Lounge, you can access the lounge with the Prestige AéroplanMD* American ExpressMD Card or the TD® Aeroplan® Visa Infinite Privilege* Card.

For the Air France lounge, you can access it with the American Express Platinum Card®. Or one of the credit cards offering access to the Visa Airport Companion Program lounges, such as the Scotiabank Passport™ Visa Infinite* Card or the CIBC AventuraMD Visa Infinite* Card.

Air France Montreal YUL Lounge
Air France Montreal YUL Lounge
Salon Air France Montreal YUL-02

At the Quebec City airport, which also serves several sun destinations, the only lounge is the V.I.P lounge by Club Med. There are several ways to access it, including status, business class tickets, credit cards, etc.

In short, many credit cards offer complimentary or paid access to airport lounges to start your all-inclusive trip more comfortably. You can also access these lounges in the South before returning home.

Travel insurance

Many credit cards offer comprehensive travel insurance. So there is no need to get another one in most cases.

In fact, in case of delay or lost suitcase, you can go shopping for a new bathing suit immediately and start your vacation while waiting for your luggage.

This luggage insurance protects you if you have paid for your trip with your credit card.

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Then, in case of a sudden health problem, emergency medical insurance will help take care of you! In most cases, simply being a credit card holder makes the whole family eligible for insurance.

Finally, credit card cancellation and interruption insurance offers peace of mind in the event of a problem. For example, if a segment of the flight is cancelled or delayed during your trip to the South, many additional charges incurred may be claimed from credit card insurance. Conditions vary according to each card’s insurance policy.

Bottom Line

When you arm yourself with the best credit cards for your spending habits, it’s easy to earn points toward an all-inclusive trip to some fabulous Sun destinations.

Credit cards and travel points allow us to travel better and more, even if it’s not always budget travel based on a low cost of living!

Read on for our guides to all-inclusives:

Come to discuss that topic in our Facebook Group!
Aline Nguyen
I'm Aline, an experienced traveller, a foodie at heart, an Avgeek, a photography enthusiast and an expert on credit card programs. I use Reward Points to travel on a budget and to save money on everyday life; writing about these topics allows me to share my passion and help you. ~ 7 continents and 75 countries ~

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