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The 10 best scuba diving sites with points

The 10 best scuba diving sites with points
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Following the article Our tips for scuba diving with points, here are our favorites in terms of the best scuba diving sites in the world. Places all over the world that can be explored both on land and underwater.

The list of the best scuba diving sites does not stop at ten, of course. However, the peculiarity of these destinations is that it is easily conceivable to visit them by redeeming points; getting there with your points as much as using points to pay for expenses on the spot.

The cenotes of Mexico

The Office de la langue française defines the word « cenote » as follows A limestone depression partially or completely closed and filled with water. There are more than 6,000 cenotes in the Yucatan Peninsula of Mexico alone.

It is the largest network of caves on the planet and among the best sites for scuba diving. We might be mistaken to think that an advanced cave diving course is necessary but since many of the cenotes are caves (not completely closed), it is possible to do this type of trip with a basic course.

The guides have smallers groups and have additional training and equipment to make the activity safe.

The 10 best scuba diving sites with points - Cenote Mexique

Getting there and staying with points

Mexico is located very close to Canada which makes it an ideal destination for a short trip. Prices for flights to Mexico are generally inexpensive in both money and points. Indeed, it is not uncommon to find award tickets around 25,000 Aeroplan points or cash tickets around $450 to travel to Mexico.

The 10 best scuba diving sites with points - YUL-CUN Aeroplan Fr

Depending on the situation, it may be preferable to use reward points that can be applied to the expense such as Membership Rewards. It’s a great currency of choice since they are flexible, thus you can compare prices in cash and Aeroplan points before transferring if it makes sense to your situation.

In addition, this destination is eligible for a companion pass if you have one.

In Mexico, Marriott Bonvoy points can greatly reduce your travel budget. Here are several reports we have done:

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The Galapagos Islands

The islands that make many travelers dream will not disappoint you in terms of scuba diving. Three confluent marine currents, a marine reserve that protects marine species, the waters of the Galapagos are literally a diver’s paradise and one of the best scuba diving sites in the world.

The seasons bring a dominance of cold or warm currents, which alternates the observable fauna from one season to another. The coldest and driest period is from June to November.

This is the time to observe whale sharks and the number of hammerhead sharks are usually also higher. On the other hand, December to May is hot and humid season, which means for diving, the arrival of manta rays. Turtles and sea lions are present all year round.

For more information, I recommend reading our complete guide to the Galapagos Islands.

The 10 best scuba diving sites with points - Galapagos -2-

Getting there and staying with points

To get to the Galapagos Islands for a scuba diving trip, Aeroplan will be the program of choice since Avianca flies to the islands themselves. Award ticket prices start at 60,000 Aeroplan points for a round-trip economy flight.

For lodging, the best strategy will be to use AirBnB and independent hotels. So, you’ll have to turn to the rewards points that can be applied to your expenses.

The 10 best scuba diving sites with points - Aeroplan Galapagos
10 beautiful landscapes to discover with reward points - Galapagos 2
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Australia

The obvious destination for the best scuba diving sites is Australia. It hosts the Great Barrier Reef and is an easy choice for any aquatic wildlife enthusiast.

Although you can dive on the west coast, I found the east coast more interesting. Apart from the barrier reef, I loved the surroundings of Byron Bay.

On some dives, I could see three different types of sharks, including the Wobbegong, which is typical of the area. It is also a very well organized country in terms of safety and training, which can reassure beginners and divers who have taken a long break.

10 beautiful landscapes to discover with reward points - Grande Barrière de Corail 2

Getting there and staying with points

It is common to consider traveling to Australia with approximately 100,000 Aeroplan points. However, it is often a trip that we try to make in business class since the journey is very long.

Here’s a complete guide on how to travel and stay in Australia with credit card points:

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Egypt

Located in the north of Africa and bordering the Red Sea,Egypt offers several resorts off the best scuba diving sites in the world.

The most famous are Sharm-el-Sheikh, Hurghada and Dahab but it is also possible to do a live aboard cruise. The Red Sea is unique in that it has one of the highest salinity levels in the world. Its warm and very salty water is conducive to the development of marine corals and hosts a large marine fauna.

The 10 best scuba diving sites with points - Égypte-2-

Getting there and staying with points

Direct flights with Air Canada from Montreal are now available for as little as 40,000 Aeroplan points in economy class for one-way travel and 80,000 for round-trip travel.

These prices are changeable becauseAir Canada flights are subject to dynamic pricing. To find the best prices with points, you have to get in early because direct flights between Montreal and Cairo are in high demand! If you can’t find affordable fares on this route, prices with stopovers are in the same range.

Plus, if you have upgrade credits, you can use them to travel more comfortably toEgyptif you fly with Air Canada!

The 10 best scuba diving sites with points - Égypte Aeroplan

Egypt is a sweet spot for the Marriott Bonvoy program; prices for hotels in Hurghada are extremely affordable! Just signing up for the Marriott Bonvoy card would give you enough points to cover a 5-day scuba diving trip in the Red Sea.

The 10 best scuba diving sites with points - 5 nuits Égypte Mer Rouge
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Jordan

Jordan is a leading destination in the Middle East and attracts tourists mainly because of Petra which is one of the 7 wonders of the world.

However, the city of Aqaba not far from Petra offers excellent diving. Clear, warm and very salty water. This Red Sea bay offers unusual dives such as an army tank and a plane wreck.

Experiencing an air hole inside a beautiful shipwreck is also what awaits you in Aqaba. To be honest, this was my favorite wreck in my diving career.

The 10 best scuba diving sites with points - Jordanie-2-
The 10 best scuba diving sites with points - Jordanie-1-
The 10 best scuba diving sites with points - Jordanie

Getting there and staying with points

With the Aeroplan program, it’s easy and inexpensive to plan a trip to the Middle East with 5,000-point stops. By doing so, you can discover the seabed of the Red Sea and Jordan easily. In addition, you will have the opportunity to visit two wonderful countries at a low price!

In Jordan, Al Manara, a Luxury Collection Hotel, Saraya Aqaba is an excellent place to use your free night certificate at an exceptional value since these certificates are offered to Marriott Bonvoy® American Express®* Card and the Marriott Bonvoy® Corporate American Express®* Card at the time of the renewal of these cards.

The annual fees are $120 and $150 respectively, so for a family or couple, each adult could sign up for both cards and you would earn four free nights per year to use on a trip to one of the best scuba diving sites. If you do the math, a 4-night stay would come to $570 with a handful of points.

The 10 best scuba diving sites with points - Certificat nuit gratuite Aqaba
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Iceland

People don’t immediately think of Iceland as a diving destination, but the one I did in the crystal clear waters of Silfra was one that left me awestruck.

Located in the Thingvellir National Park, Silfra is listed as one of the best scuba diving sites because it is the only place where you can swim between two tectonic plates and two continents.

Moreover, this kind of experience complements well a trip in the beautiful landscapes of Iceland.

The 10 best scuba diving sites with points - Silfra

Getting there and staying with points

In the past, Wow Air offered low-cost flights to Iceland. Now we have fewer options in this price range, but Air Canada’s dynamic pricing can sometimes work in our favor.

Indeed, if you are lucky or plan ahead, you can get a direct flight from Montreal to Keflavik for as little as 30,000 Aeroplan points. Don’t forget to check prices in cash, bargains have become occasional compared to Wow Air’s time, but they are not wiped out.

The 10 best scuba diving sites with points - Islande vols

So a card like the American Express Cobalt® Card is a great tool for a strategy where sometimes it’s better to pay in cash and sometimes in points; with the 5 premium points per dollar you can earn at the grocery store, it goes up really fast!

Then, to stay in Iceland, the most economical way is to camp! Moreover, you will be overwhelmed by its breathtaking views!

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The island of Hawaii

Around Big Island, along the Kona coast and near Honolulu, there are some great dive sites. These places are easily reachable, which makes them very popular in Hawaii.

Most people visit Hawaii for its beautiful scenery and divine beaches, but the reefs and volcanic formations make Hawaii one of the best scuba diving sites in the world!

The 10 best scuba diving sites with points - Hawaï 4

Getting there and staying with points

Again, Aeroplan points can be a great way to travel to Hawaii. When you aim to fly on a partner airline with Aeroplan points, the pricing is fixed and the strategy more predictable.

Currently, direct flights from Montreal are suspended so you will have a stopover in Toronto/Vancouver.

Even with dynamic pricing, it’s possible to find good prices in points on Air Canada flights. If this is the case, you will have to turn to United.

However, availability is not always present with partners so we sometimes have to use tools like ExpertFlyer to help us find them.

The 10 best scuba diving sites with points - YUL-HNL Aeroplan Fr

Since the changes in the Marriott Bonvoy® program, award points seem to have exploded in Hawaii. Thus, a mix of Marriott Bonvoy® points and travel points will be favored.

Indeed, there are occasionally great deals on AirBnB where it is conceivable to rent a condo unit or even a well located villa.

The island of Bali

This very famous island in Indonesia has a lot to offer to its visitors both on land and in the sea. With its paradisiacal landscapes, there are several places that rank among the best scuba diving sites.

More precisely in Tulamben, it is possible to explore the wreck of the USAT Liberty which ran aground there after having been the victim of Japanese torpedoes during the Second World War. What I liked about this dive is that it was full of life and that you could access it directly from the beach. Therefore, it is also very suitable for those who prefer snorkeling.

The 10 best scuba diving sites with points - Bali Tulamben

Getting there and staying with points

As detailed in this article on Bali, it is often more economical to fly to a hub in Asia and take a low cost airline to Bali. Indeed, Bali is connected to a multitude of major cities.

Moreover, Bali is a goldmine for the use of Marriott Bonvoy points. They are everywhere on the island and are very inexpensive.

The island of Sipadan

The island of Sipadan is located off the coast of Borneo, Malaysia. A coral reef has formed all around the island and it is extremely rich as an ecosystem.

Of all the destinations I’ve visited, Sipadan easily ranks among the top scuba diving sites due to its diversity and abundance of life; more than 3,000 species of fish have established themselves in Sipadan’s waters.

The dives are of the « wall » type and are therefore suitable for all levels. Moreover, you could make trips at the same place but discover many different aspects by simply changing the depth of your dive.

The 10 best scuba diving sites with points - Diving

Getting there and staying with points

Just like Bali, the best way to get to Sipadan is by a hub to Asia. As it happens, we took a flight to Kuala Lumpur before taking Air Asia to go to Kota Kinabalu and Tawau where we took a boat to Sipadan.

On our end, we stayed at a resort that focused on scuba diving and we used travel points to cover expenses.

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The Maldives

The Maldives atolls are a paradise for lovers of beautiful landscapes but its seabed is even more so for lovers of scuba diving. The most popular places are in the South Ari Atolls or in the Hanifaru Bay Reserve.

Indeed, the Maldives are very often in the eye sight of divers, because the life in the reefs is very abundant all year long; without looking too hard, we were able to see an array of manta rays during our trip on the local islands.

In addition, there are several inexpensive excursions to encounter whale sharks; most guides see them on a weekly basis! Contrary to popular belief, the Maldives are very affordable.

The 10 best scuba diving sites with points - Maldives Whale Shark

Getting there and staying with points

We have a full article detailing the strategy for getting to the Maldives with Aeroplan points. The best tip is to build an itinerary where the destination is Southeast Asia is Singapore by positioning the Maldives as a stop. This way, you will lose less points and be able to visit two regions!

10 beautiful landscapes to discover with reward points - Maldives

Then, accommodations on the local islands can be made from a multitude of independent hotel choices on Booking.com.

On the more luxurious side, I highly recommend using your Marriott Bonvoy points; you can easily find a room for under 50,000 points and even use a free night certificate like at the Sheraton Maldives Full Moon Resort & Spa!

The strategies

Points for travel or cash back? Here are my two strategies with credit cards:

Annual fee
$191.88
Our valuation
$255
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on American Express's website

Apply with confidence — no impact on your credit scoreApply with confidenceCheck whether your application will be approved before you submit it, with no impact on your credit score*When you apply for a personal American Express Credit Card, we will tell you whether you are eligible without affecting your credit score. So you can apply with confidence.*Instant decisions are only available for consumer Card applications (also called “personal Cards”).

The American Express Cobalt® Card is the best credit card from American Express, whether you want points for travel or cash back.

American Express Cobalt® Card welcome offer

The welcome bonus is paid out monthly over your first 12 months. You earn 1,250 Membership Rewards points for each monthly billing period in which you charge $750 in net purchases to your card, in any category (1X, 2X, 3X or 5X). That adds up to 15,000 Membership Rewards points over the year, a welcome offer we value at $255.

Earning the full bonus means $9,000 in net purchases spread across 12 monthly billing periods. This offer rewards steady monthly spending rather than one large purchase.

You can use these points as statement credits on everyday or travel purchases, at the same rate either way: 1,000 points = $10.

You can also transfer them to Aeroplan, Avios (British Airways and Qatar Airways), Flying Blue, Marriott Bonvoy or Hilton Honors. With the full welcome bonus, that is a choice between:

  • 15,000 Aeroplan points
  • 15,000 Avios points
  • 15,000 Flying Blue Miles
  • 18,000 Marriott Bonvoy points

If hotel points are what you are after, our ultimate guide to Marriott Bonvoy and our complete map of Marriott Bonvoy hotels by category show what those points can actually buy.

American Express Cobalt® Card benefits

Here is what the card gives you, starting with the benefits cardholders use most.

  • 5X points on eligible eats and drinks in Canada: groceries, restaurants and bars, home food delivery and convenience stores. A spend cap applies.
  • 3X points on eligible streaming subscriptions in Canada.
  • 2X points on eligible gas, public transit and ride sharing purchases in Canada.
  • 1 additional point on eligible hotel and car rental bookings made through American Express Travel Online.
  • 1X point per dollar on everything else, with no category restrictions.
  • Points that hold the same value either way: 1,000 points = $10 as a statement credit, or a 1:1 transfer to several airline and hotel loyalty programs.
  • No minimum income requirement, as with every American Express Canada card.
  • Additional cards at no extra cost: the first and every other supplementary card is $0.
  • The Hotel Collection: a room upgrade when available, 12pm check-in and late check-out when available, and up to $100 USD in hotel credit on amenities charged to the room for a stay of two or more consecutive nights, booked through American Express Travel.
  • Front Of The Line® presale and reserved tickets for concerts and theatre performances, plus offers and events curated for cardmembers through Amex Experiences.
  • A soft credit check before you apply: you can see whether you will be approved with no impact to your credit score. This applies to American Express personal card applications.

To see how it compares with the rest of the line-up, read our round-up of the best credit cards from American Express in Canada.

The 5X categories and where they apply

The 5X rate is the reason most people carry this card. In Canada it covers four kinds of merchants:

  • Groceries: Metro, IGA, Sobeys, Super C, Safeway, Whole Foods.
  • Restaurants and bars: sit-down meals, takeout and drinks.
  • Home food delivery.
  • Convenience stores: Couche-Tard, 7-Eleven.

The 2X rate covers gas stations such as Esso, Shell and Petro-Canada, along with public transit and ride sharing.

With the American Express Cobalt® Card, you earn between 1 and 5 points per dollar:

Category Points per dollar
Grocery (Metro, IGA, Sobeys, Super C, etc.) 5
Home food delivery 5
Restaurants and bars 5
Convenience stores 5
Streaming services 3
Service station 2
Transport 2
Travel 1
Other 1

That works out to a 1 to 5% return on those purchases. For example, if you spend $1,000 per month across groceries, restaurants and food delivery, you earn $50 back per month, or $600 per year from that category alone. Transfer the points to a program such as Aeroplan instead and the return can be higher.

You can also stack these categories with the hundreds of stores that offer 5x points.

American Express Cobalt® Card insurance coverage

The card comes with a broad insurance package. The amounts below are the coverage limits; conditions, age limits and exclusions are set out in the certificate of insurance linked in the Insurance section above.

Travel insurance

  • Emergency medical: up to $5,000,000 for the first 15 days of a trip.
  • Travel accident: accidental death and dismemberment of up to $250,000 for you, your spouse and dependent children under age 23 when travelling on a common carrier (plane, train, bus or ship) and the tickets are charged to your card. Supplementary cardholders and their families are covered too.
  • Flight delay: up to $500 for necessary hotel, meal and sundry expenses bought within 48 hours when you are delayed or denied boarding for four hours or more and no other transportation is available. This $500 is an aggregate limit per occurrence, shared with missed connection and delayed baggage coverage.
  • Delayed baggage: up to $500 for essential clothing and sundries bought within four days when your outbound luggage is delayed six hours or more. This $500 is an aggregate limit per occurrence, shared with missed connection and flight delay coverage.
  • Lost or stolen baggage: up to $500 per occurrence for all insured persons combined, for checked or carry-on baggage and personal effects in transit, when the airline tickets are charged to your card. Within that limit, jewellery is capped at $300 per occurrence and golf clubs, including golf bags, at $250 per occurrence.
  • Hotel and motel burglary: up to $500 against the loss of most personal items if your hotel or motel is burglarized, when the stay is charged to your card.

Rental car insurance

Theft and damage coverage is included for a rental car with an MSRP, for its model year, of up to $85,000 excluding all taxes, for rentals of up to 48 days. To use it, decline the Loss Damage Waiver (LDW) or any similar option from the rental company and charge the full rental to your card. There is no cost for this coverage, and it replaces the daily insurance the rental company charges, usually $16 to $23 per day.

Mobile device insurance

Your device is covered for up to $1,000 per occurrence when it is charged to the card, for up to two years from the date of purchase. The payout is based on the depreciated value of the device, which falls by 2% of the purchase price for every completed month, less a 10% deductible. Theft and accidental damage coverage starts on the 91st day after purchase, because the first 90 days are covered by purchase protection.

Purchase protection and extended warranty

Eligible items charged to your card are insured against accidental physical damage or theft for 90 days from the purchase date, up to $1,000 per occurrence for all items combined. The card also extends the original manufacturer’s warranty by up to one additional year on eligible items, with indemnification limited to $10,000 per insured item and $25,000 per Cardmember per policy year for all items combined.

American Express Cobalt® Card fees

  • Card fee: $15.99 per month, which equals $191.88 per year, for residents outside Quebec. Quebec residents are billed $191.88 per year.
  • Additional cards: $0.
  • Purchase interest rate: 21.99%.
  • Cash advance interest rate: 21.99%.
  • Foreign transaction fee: 2.5%.
  • Minimum income required: none.

Because the fee is billed monthly rather than in one annual charge, you can stop and restart the cost in step with how much you are actually using the card.

Annual fee

Primary card$191.88
Additional card$0

Annual income required

Individual$0
Household$0

Conversion fees

2.5%

Earning rate

  • 5xRestaurants
  • 5xGroceries
  • 5xConvenience
  • 3xStreaming
  • 2xTransit
  • 2xGas & EV
  • 1xAll spending

Value

1st Year Value$1,828
2nd Year Value$799

Transfer partners

  • AeroplanAirline
  • British Airways ClubAirline
  • Cathay Asia MilesAirline
  • Etihad GuestAirline
  • Flying BlueAirline
  • Hilton HonorsHotel
  • Marriott BonvoyHotel

Travel insurance

Travel medical (under 55)Up to $5,000,000 / 15 days
Travel medical (55-64)Up to $5,000,000 / 15 days
Delayed BaggageUp to $500
Lost BaggageUp to $500
Flight DelayUp to $500
Hotel BurglaryUp to $500
Travel AccidentUp to $250,000

Purchase protection

Purchase ProtectionUp to $1,000 / 90 days
Extended Warranty+1 years
Mobile DeviceUp to $1,000 / 2 years
Auto Rental Collision (primary)Up to $85,000 / 48 days

Our featured card

Featured
Annual fee
$120
Our valuation
$990
Milesopedia first-year estimateFirst-year valueWelcome bonus$990Total$990Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
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Ends Sep 22, 2026
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on American Express's website

Apply with confidence — no impact on your credit scoreApply with confidenceCheck whether your application will be approved before you submit it, with no impact on your credit score*When you apply for a personal American Express Credit Card, we will tell you whether you are eligible without affecting your credit score. So you can apply with confidence.*Instant decisions are only available for consumer Card applications (also called “personal Cards”).

The Marriott Bonvoy® American Express®* Card is the best credit card in Canada for free hotel nights.

New Cardmembers can earn up to 110,000 Marriott Bonvoy® points with the current offer:

  • Earn 80,000 points after you spend $6,000 on your Card in your first 6 months of Cardmembership.
  • Plus, earn 30,000 points by making a purchase during your 15th month of Cardmembership.

This offer ends on September 22, 2026. The annual fee is $120, and there is no annual fee on Additional Cards, so you can add a partner or a family member at no extra cost.

Every year after your first Card anniversary, you receive an Annual Free Night Award good for a redemption of up to 35,000 points at eligible hotels and resorts worldwide. At a valuation of 0.9 cents per Marriott Bonvoy point, that certificate is worth roughly $315, which on its own more than covers the $120 annual fee. That is the main reason to keep this Card year after year instead of cancelling it.

To get the most out of the certificate, aim it at a night that would otherwise price close to the 35,000 point ceiling.

The Card also gives you 15 Elite Night Credits each calendar year and automatic Marriott Bonvoy Silver Elite status. Those credits count toward the next Elite tier, so you begin every year 15 nights ahead of where you would otherwise start.

You move up to Gold Elite status automatically when you reach $30,000 in purchases on the Card in a year, or when you combine 10 qualifying paid nights within one calendar year with the 15 Elite Night Credits from your Card.

Marriott Bonvoy points are generally valued at 0.9 cents each. On that basis, the 110,000 point welcome offer is worth about $990, and an Annual Free Night Award used at its full 35,000 point ceiling is worth about $315.

Marriott Bonvoy points pull their weight on free nights rather than on gift cards or merchandise, which is why this Card should be judged on the hotel stays it produces.

You earn 5 points per dollar on eligible purchases at participating Marriott Bonvoy hotels and 2 points per dollar on all other purchases. Points can be redeemed for free nights with no blackout dates at more than 7,000 hotels around the world.

The Card carries a solid package of coverages: $500,000 travel accident insurance, flight delay, baggage delay, lost or stolen baggage and hotel or motel burglary at $500 each, car rental theft and damage up to $85,000 for rentals of up to 48 days, Purchase Protection for 90 days and a one year Extended Warranty.

Two things to plan around: the 2.5% foreign transaction fee on purchases made in a foreign currency, and the 21.99% purchase interest rate, which makes this a Card to pay in full every month. Like all American Express Canada Cards, no minimum income is published for this Card, and you can see whether you would be approved before you apply, with no impact on your credit score.

Annual fee

Primary card$120
Additional card$0

Annual income required

Individual$0
Household$0

Conversion fees

2.5%

Earning rate

  • 5xMarriott Bonvoy hotels
  • 2xAll spending

Value

1st Year Value$1,437
2nd Year Value$312

Travel insurance

Delayed BaggageUp to $500
Lost BaggageUp to $500
Flight DelayUp to $500
Hotel BurglaryUp to $500
Travel AccidentUp to $500,000

Purchase protection

Purchase ProtectionIncluded
Extended Warranty+1 years
Auto Rental Collision (primary)Up to $85,000 / 48 days

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Our reviews and rankings are based on an objective assessment. Advertisers do not influence our content. We may receive compensation through some links; our analysis and opinions remain independent.