Reward Type: Travel Rewards

  • Access to VIP Lounges
    Over 1,300 airport lounges worldwide
  • $200 Annual Travel Credit
    through American Express Travel Online or Platinum® Card Travel Service
  • $200 Annual Dining Credit
    at some of Canada’s best restaurants
Learn More
Best premium credit card in 2023
  • Unlock special experiences with the Platinum® Card
  • Earn up to 140,000 Membership Rewards® points – that’s up to $1,400 towards a weekend away. Offer ends Jan 28, 2025.
    • New Platinum® Cardmembers, earn 100,000 Welcome Bonus points after you charge $10,000 in net purchases to your Card in your first 3 months of Cardmembership. Offer ends Jan 28, 2025.
    • Plus, earn 40,000 points when you make a purchase between 14 and 17 months of Cardmembership. Offer ends Jan 28, 2025.
  • Earn 2 points for every $1 in Card purchases on eligible dining and food delivery in Canada, 2 points for every $1 in Card purchases on eligible travel, and 1 point for every $1 in all other Card purchases
  • Access a $200 Annual Travel Credit through American Express Travel Online or Platinum® Card Travel Service
  • Enjoy a $200 Annual Dining Credit at some of Canada’s best restaurants
  • Unlock $200 or more in additional value with Member extras. You can earn statement credits for qualifying purchases with participating brands
  • Take full advantage of The American Express Global Lounge CollectionTM which unlocks access to over 1,400 airport lounges worldwide. This includes The Centurion® Lounge network, Plaza Premium Lounges, and hundreds of other domestic and international lounges designed to enhance your travel experience
  • Enjoy flexible ways to use your points such as statement credits for any eligible purchase charged to your Card, new travel purchases booked on American Express Travel Online through the Flexible Points Travel Program, and eligible flights through the Fixed Points Travel Program
  • Transfer points 1:1 to several frequent flyer and other loyalty programs
  • Enjoy complimentary benefits that offer an average value of $600 USD at over 1,500 extraordinary properties worldwide when you book Fine Hotels + Resorts
  • Platinum Cardmembers can enjoy access to special events and unique opportunities
  • Enjoy premium benefits at the Toronto Pearson Airport
  • You will also have access to many leading hotel and car rental companies’ loyalty programs. Our partners include Marriott International, Hilton Hotels & Resorts, Hertz and Avis.
  • Interest applies in accordance with your Cardmember Agreement, Information Box, and Disclosure statement if the total New Balance is not paid by the Payment Due Date each month. All payments must be received by the Payment Due Date shown on the monthly statement
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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, we may receive compensation from American Express, which can be in the form of monetary payment

Earning Rate
  • Dining and Food delivery2Membership Rewards
  • Travel2Membership Rewards
  • Air Canada2Membership Rewards
Value
  • Year 1 $2,850
  • Year 2+ $470
Best For
Transfer Partners
  • AeroplanAsia MilesBritish Airways Executive ClubEtihad GuestFlying BlueHilton HonorsMarriott BonvoyMembership Rewards American Express

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
$5,000,000
15 day(s)
Travel medical insurance up to 64 years old
$5,000,000
15 day(s)
Travel medical insurance 65+
Trip Cancellation Insurance
$2,500
Trip Interruption Insurance
$2,500
Common Carrier Travel Accident Insurance
$500,000
Flight Delay Insurance
$1,000
Delayed Baggage Insurance
$1,000
Lost/Stolen Baggage Insurance
$1,000
Auto Rental Loss/Insurance
$85,000
48 day(s)
Hotel/Motel Burglary Insurance
$1,000
  • Up to 5 points per dollar in grocery stores and restaurants
  • Up To $150 Annual Credit
  • Premium insurance
Learn More

Welcome offer

Take advantage of the welcome offer and earn up to 40,000 bonus points, distributed as follows:

  • 5,000 points if you sign up for payment insurance when you apply for your card
  • 5,000 points after making purchases of at least $5,000 in the first 3 months of enrollment
  • 10,000 additional points after reaching $10,000 in purchases in 6 months
  • 20,000 additional points after reaching $15,000 in purchases in 12 months

Card features

  • Earn up to 5 points per dollar spent on eligible grocery and restaurant purchases*
  • Earn 2 points per dollar in eligible gas and electric vehicle charging purchases, recurring bill payments and À la carteTM travel purchases*
  • Earn 1 point per dollar spent on other purchases
  • Up to $150 reimbursement per year for travel expenses on seat selection, airport parking, baggage fees, access to airport lounges worldwide and ticket upgrades.
  • Your credit card gives you access to a multitude of rewards. Our customers can choose from several options to treat themselves with the points they’ve accumulated:
    • Get your hands on new electronics, kitchen accessories, gift cards and more!
    • Make a payment on your credit card with your points
    • Contribute to your RRSP and TFSA
    • Make a donation to one of the participating charities
    • Plan a trip when you can travel again
    • And more!
  • Experience the ultimate in comfort with unlimited free access for you and a guest to the National Bank Lounge at Montreal-Trudeau airport, including drinks, snacks, Wi-Fi and much more*
  • Enjoy up to 60 days’ coverage with our travel, trip cancellation/interruption, baggage loss and car rental insurance
  • Out-of-province-of-residence medical/hospital insurance, Departure flight delay insurance, Baggage insurance in case of delay, Baggages insurance in case of theft or loss, Vehicule rental insurance
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*Grocery and restaurant: Points earned on grocery and restaurant purchases depend on the total gross monthly amount charged to the credit card account, regardless of category. Earn 5 points per dollar spent on eligible grocery and restaurant purchases. Earn 5 points per dollar on the first $2,500 in gross monthly purchases charged to the account. Beyond that amount, eligible grocery and restaurant expenses earn 2 points per dollar spent. The total gross monthly amount is calculated based on your monthly billing period. Grocery purchases include any purchase made at a store that primarily sells food, i.e., grocery store, delicatessen, supermarket, greengrocer or specialty food store. Subscriptions to ready-to-cook services and meal delivery services are eligible. Excluded from this definition are retail stores and big-box stores whose main activity is the sale of non-food products. Some merchants may sell the same or similar products or services as eligible merchants, or are separate merchants located on the same premises as eligible merchants, but are classified by Mastercard in different categories. Purchases made at other merchants only qualify for basic rewards points. An in-restaurant purchase refers to a purchase made in a restaurant, including fast-food restaurants, bars, discotheques, nightclubs and taverns.

Gas and Electric Vehicle Charging: To earn 2 points per dollar in purchases, you will need to purchase gas or an electrical vehicle charge from a service station or from certain big-box stores. Some merchants may sell the same or similar products or services as eligible merchants, or are separate merchants located on the same premises as eligible merchants, but are classified by Mastercard in different categories. Purchases made at other merchants are eligible for basic rewards points only.

Recurring bill: Recurring bill payments are defined as payments made monthly or regularly that are automatically deducted by the merchant from your National Bank World Elite Mastercard. Not all merchants offer recurring bill payments, and not all recurring payments are considered recurring bill payments. As a result, some payments may not qualify for Accelerated Rewards points.

À la Carte Travel: To earn 2 points per dollar in purchases, you must make your eligible purchases via the À la carte TravelTM Agency section of our À la carte RewardsTM site.

Other purchases: For example, if you spend $400 monthly on groceries, $200 on gas, $100 on recurring bills and $150 on other purchases, the $850 you spend will generate 2,750 points, broken down as follows: 2,000 points on groceries (since the total gross monthly amount is $850, or less than $2,500), 400 points on gas, 200 points on recurring bills and 150 points on other purchases.

Reimbursement of travel expenses

Clients must submit required documents within the given deadline. Certain conditions may apply. Only the primary cardholder (“Cardholder”) of National Bank World Elite Mastercard whose account is in good standing can request a refund of travel expenses.

Account in good standing” means a credit card account that does not contravene the Credit Card Agreement in any way and on which no restrictions apply.

For example, the annual fees related to the credit card must have been paid in full. The maximum reimbursement of $150 can be claimed from January 1 to December 31 of each year.

Eligible expenses include:

      • airport parking
      • baggage fees
      • seat selection fees
      • access to airport lounges worldwide
      • airline ticket upgrades

The claim must be submitted within 60 days of the purchase date and accompanied by proof of purchase. Travel expenses must be charged to the National Bank World Elite Mastercard credit card account. The maximum reimbursement amount is $150 per account. The refund will be issued within 7 business days following the request approval date and after receiving all required information.

National Bank reserves the right to request additional supporting documents for validation purposes (e.g. invoices). You must keep all receipts and supporting documents for a period of 12 months from the date of your claim. An amount not claimed in a year cannot be carried over to the following year. You can apply online at rewards.nbc.ca or by calling 1-800-341-8083 (toll-free) and an agent will assist you with your travel claim.

Credit terms

Grace period: No interest will be charged on purchases made during the month, provided the client pays the balance in full within twenty-one (21) days of the statement date. This grace period does not apply to cash advances or balance transfers.

Minimum payment: If your account balance is lower than $10, you must pay the entire balance.

If you reside in the province of Quebec, your minimum payment is the greater of 5% of your account balance, plus any overdue amounts, or $10.

If you live outside Quebec, your minimum payment is 2.5% of your credit card balance, plus any past-due amount or $10, whichever is greater.

Statement of account: a statement of account is sent monthly.

Example of credit charges over a 30-day period

Annual interest rate Average balance
$500 $3,000
22.49% (regular card) $9.24 $55.45
20.99% (regular card) $8.63 $51.76
13.95% (Syncro card) $6.98 $41.85
9.95% (Syncro card) $4.98 $29.85

*Variable interest rate in effect on September 1, 2021.

Balance transfer and cash advance are subject to credit approval by National Bank. Each amount transferred cannot be less than $250.

Annual Fee
  • Primary card $150
  • Additional card $50
Annual Income Required
  • Individual $80,000
  • Household $150,000
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 20.99 %
  • Cash Advance Rates 22.49 %
  • Balance Transfer Rates 22.49 %
Earning Rate
  • Groceries5Points
  • Dining and Food delivery5Points
  • Gas2Points
Value
  • Year 1 $1,283
  • Year 2+ $923
Best For
Transfer Partners
  • NBC Awards

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
$5,000,000
60 day(s)
Travel medical insurance up to 64 years old
$5,000,000
31 day(s)
Travel medical insurance 65+
$5,000,000
15 day(s)
Trip Cancellation Insurance
$2,500
Trip Interruption Insurance
$5,000
Common Carrier Travel Accident Insurance
Flight Delay Insurance
$500
Delayed Baggage Insurance
$500
Lost/Stolen Baggage Insurance
$1,000
Auto Rental Loss/Insurance
$65,000
48 day(s)
Hotel/Motel Burglary Insurance
  • Transfer your points to airline partners
  • Premium Insurance
  • Visa Infinite Benefits
Learn More
Best Credit Card For Flexible Travel Rewards In 2024

Get 35,000 welcome Avion points on approval** (travel value of up to $750)- Enough to fly anywhere in Canada & the U.S (Alaska and Hawaii require more points)

  • Apply online and get a response in as little as 60 seconds.
  • Earn 1 Avion point for every dollar you spend* and an extra 25% on eligible travel purchases.
  • Avioners can book flights with points on any airline, on any flight, at any time, early or last minute, with no blackout periods or restrictions.
  • Avioners earn points that never expire so your points will be waiting for your next adventure.
  • Redeem your points for travel and more. Use points for anything from paying bills and paying your card balance to redeeming for Gift Cards and Merchandise at top brands like Apple. The Avion Rewards program gives you the freedom of choice to use your points your way, and helps you make the most as an Avioner.
  • Eligible Avion rewards members can also convert points to other loyalty programs including WestJet dollars, British Airways Avios points and Hudson’s Bay Rewards points.
  • Link your RBC card with a Petro-Points membership to instantly save per litre on fuel at Petro-Canada stations and earn 20% more Petro-Points and 20% more Avion points
  • Link your RBC card with a Rexall Be Well account and get 50 Be Well points for every $1 spent on eligible products at Rexall. Redeem Be Well points faster for savings in store on eligible purchases where 25,000 Be Well points = $10
  • Get access to RBC offers which provides access to earn points faster at specified brands
  • Avioners no longer need 14-days to book travel using the RBC grid
  • Extensive insurance including: mobile device insurance, travel insurance (trip cancellation, interruption and emergency medical) and other eligible purchases to protect you and your family
  • Avioners get access to luxury Visa Infinite benefits including first in line for exclusive events, and hotel and dining benefits.

Get $0 delivery fees for 12 months from DoorDash – Add your eligible RBC credit card to your DoorDash account to:

  • Get a 12-month complimentary DashPass subscription± – a value of almost $120
  • Enjoy unlimited deliveries with $0 delivery fees on orders of $15 or more when you pay with your eligible RBC credit card
Legal

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

** This offer only applies to new applications for an RBC Avion Visa Infinite or RBC Avion Visa Platinum credit card (each, an “Eligible Credit Card”) approved by Royal Bank of Canada, subject to the conditions below. Additional cardholders(s) (co-applicant and authorized user(s)) on the Eligible Credit Card account, as well as existing cardholders on any RBC Royal Bank personal credit card transferring to an Eligible Credit Card account, are not eligible for this offer.

35,000 welcome Avion points (“Welcome Points”) will appear on your monthly credit card statement within sixty (60) days after your application has been approved, provided that your Eligible Credit Card account remains open and in good standing at the time the Welcome points are credited to your account, “good standing” meaning that your Credit Card Account must not be past due for more than two (2) consecutive credit card account statement periods, closed, charged off or in credit revoked status.

Air Travel Reward redemptions from the Air Travel Redemption Schedule start at 35,000 Avion points for a round trip long-haul flight to almost anywhere in Canada or the United States, exclusive of Hawaii or Alaska, with a maximum ticket price of $750. All applicable taxes, service fees and surcharges are the responsibility of the traveler. For more details, including information on redeeming for first class and business class seats, visit: www.avionrewards.com/travel/index.html. For general redemption terms, conditions and restrictions that apply to the Avion Rewards program, please visit: www.avionrewards.com or call 1-800 ROYAL 1-2 (1-800-769-2512).

Annual Fee
  • Primary card $120
  • Additional card $50
Annual Income Required
  • Individual $60,000
  • Household $100,000
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 20.99 %
  • Cash Advance Rates 22.99 %
    21.99 % (QC)
  • Balance Transfer Rates 22.99 %
Earning Rate
  • Travel1.25Avion Points
  • All Spending1Avion Point
  • Groceries1Avion Point
Value
  • Year 1 $831
  • Year 2+ $271
Best For
Transfer Partners
  • Asia MilesBritish Airways Executive ClubRBC Avion Rewards - PremiumRBC Avion Rewards - EliteWestJet Rewards

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
15 day(s)
Travel medical insurance up to 64 years old
15 day(s)
Travel medical insurance 65+
3 day(s)
Trip Cancellation Insurance
$1,500
Trip Interruption Insurance
$5,000
Common Carrier Travel Accident Insurance
$500,000
Flight Delay Insurance
$500
Delayed Baggage Insurance
$500
Lost/Stolen Baggage Insurance
$500
Auto Rental Loss/Insurance
$65,000
48 day(s)
Hotel/Motel Burglary Insurance
$2,500
  • Transfer your points to airline partners
  • Premium Insurance
  • Access to VIP Lounges
Learn More

Get up to 70,000 Avion points* (a travel value of up to $1,500). Apply by January 15th, 2025. 70,000 Avion points* is enough for two roundtrip tickets to almost anywhere in Canada & the US (Alaska and Hawaii require more points). Taxes and fees extra.

  • 35,000 Avion Points on approval*
  • 20,000 bonus points when you spend $5,000 in your first 6 months*
  • 15,000 one-time anniversary bonus points after 12 months of account opening*
  • Earn 1.25 Avion points for every you spend.
  • Enjoy VIP travel benefits including Visa Airport Companion (that’s six lounge visits per membership year for every enrolled cardholder on your account!)
  • Plus, fast track security and other benefits at select airports.
  • Book flights on any airline, on any flight, at any time. You can also use your points to redeem for vacation packages, hotels, cruises and tours.
  • Pick any seat you want from 130+ airlines – with no seat restrictions or blackout periods, even during peak seasons.
  • Access more of the world with your 24/7 Visa Infinite Privilege Concierge
  • Avion Infinite Privilege card holders have access to book business or first class at a rate of 100 points for $2.
  • Redeem your points for travel and more. Use points for anything from paying bills and paying your card balance to redeeming for Gift Cards and Merchandise at top brands like Apple. The Avion Rewards program gives you the freedom of choice to use your points your way, and helps you make the most as an Avioner.
  • Eligible Avion Rewards members can also convert points to other loyalty programs including WestJet dollars and British Airways Avios.
  • Link your RBC card with a Petro-Points membership to instantly save 3₵ per litre on fuel at Petro-Canada stations and earn 20% more Petro-Points and 20% more Avion points.
  • Link your RBC card with a Rexall Be Well account and get 50 Be Well points for every $1 spent on eligible products at Rexall. Redeem Be Well points faster for savings in store on eligible purchases where 25,000 Be Well points = $10.
  • Get access to RBC offers which provides access to earn points faster at specified brands
  • Avioners get access to luxury Visa Infinite benefits including first in line for exclusive events, and hotel and dining benefits.
  • Flexibility to book flights last-minute: up to 24hrs before.
  • Extensive insurance coverage : Mobile Device Insurance included – up to $1,500. Travel with ease with trip cancellation and trip interruption insurance, and emergency medical. Plus, eligible purchases made on the card are protected.

Get $0 delivery fees for 12 months from DoorDash :

  • Add your eligible RBC credit card to your DoorDash account to:
  • Get a 12-month complimentary DashPass subscription – a value of almost $120.
  • Enjoy unlimited deliveries with $0 delivery fees on orders of $15 or more when you pay with your eligible RBC credit card
Legal

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

This offer only applies to new applications for an RBC Avion Visa Infinite Privilege credit card received between May 1, 2024 and January 15, 2025 (“Offer Period”) and approved by Royal Bank of Canada (“Royal Bank”) subject to the conditions below. Additional cardholders(s) (co-applicant and authorized user(s)) on the RBC Avion Visa Infinite Privilege credit card account, as well as existing cardholders on any RBC Royal Bank personal credit card account transferring to an RBC Avion Visa Infinite Privilege credit card account during the Offer Period, are not eligible for the offer.
35,000 welcome Avion points (“Welcome Points”) will appear on your monthly credit card statement within sixty (60) days after your application has been approved, provided that your RBC Avion Visa Infinite Privilege credit card account (“Credit Card Account”) remains open and in good standing at the time the Welcome points are credited to your account, “good standing” meaning that your Credit Card Account must not be past due for more than two (2) consecutive credit card account statement periods, closed, charged off or in credit revoked status.
You will receive 20,000 bonus Avion points (“Bonus Points”) if a total of $5,000 or more (“Qualifying Transaction Amount”) in qualifying net purchases and/or pre-authorized bill payment transactions (“Qualifying Transactions”) are posted to your Credit Card Account within the first six (6) months from your Credit Card Account opening date (“Period”). The Bonus Points will appear on your monthly credit card statement within sixty (60) days after you reach $5,000 in Qualifying Transactions, provided your Credit Card Account remains open and in good standing at the time the Bonus Points are credited to your account.
Qualifying Transactions exclude cash advances (including balance transfers, cash-like transactions and bill payments that are not pre-authorized charges that you set up with a merchant), interest charges and fees, and credits for returns and adjustments posted to your Credit Card account during the Period will reduce the amount of your Qualifying Transactions. The Qualifying Transaction Amount is based on the transaction posting date of each Qualifying Transaction, not the transaction date. This means that transactions that take place prior to the last day of the Period will not be considered for the Qualifying Transaction Amount if they have not yet been posted or processed by the merchant, the payment network (Visa) or Royal Bank by the last day of the Period.
15,000 additional Avion points (“Anniversary Points”) will appear on your monthly credit card statement within twelve (12) to sixteen (16) weeks after the one- year anniversary of your account opening, provided that your account remains open and in good standing at the time the Anniversary Points are credited to your account.
If you close or change your Credit Card Account for another type of RBC Royal Bank credit card before the Welcome Points, the Bonus Points and/or the Anniversary Points have been credited to your account, you may lose the benefit of this offer. This offer may not be combined or used in conjunction with any other offer. Royal Bank reserves the right to cancel, modify or withdraw this offer at any time without notice, even after your application has been approved, including if we suspect that you may be manipulating or abusing it, or engaging in any suspicious or fraudulent activity, as determined by Royal Bank in its sole discretion. For complete terms and conditions that apply to the Avion Rewards Program, please visit www.avionrewards.com or call 1-800-769-2512.

Based on the Air Travel Reward redemptions from the Air Travel Redemption Schedule starting at 35,000 Avion points for one round-trip long-haul flight to almost anywhere in Canada or the United States with a maximum ticket price of $750. You will need a minimum of 70,000 Avion Points for two round-trips long-haul flights to almost anywhere in Canada or the United States, exclusive of Hawaii and Alaska. All applicable taxes, service fees and surcharges are the responsibility of the traveler. For general redemption terms, conditions and restrictions that apply to the Avion Rewards program, please visit: www.avionrewards.com or call 1-800 ROYAL 1-2 (1-800-769-2512).

Annual Fee
  • Primary card $399
  • Additional card $99
Annual Income Required
  • Individual $200,000
  • Household $200,000
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 20.99 %
  • Cash Advance Rates 22.99 %
    21.99 % (QC)
  • Balance Transfer Rates
Earning Rate
  • All Spending1.25Avion Points
  • Groceries1.25Avion Points
  • Gas1.25Avion Points
Value
  • Year 1 $1,441
  • Year 2+ $321
Best For
Transfer Partners
  • AAdvantageAsia MilesBritish Airways Executive ClubRBC Avion Rewards - EliteWestJet Rewards

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
31 day(s)
Travel medical insurance up to 64 years old
31 day(s)
Travel medical insurance 65+
7 day(s)
Trip Cancellation Insurance
$2,500
Trip Interruption Insurance
$5,000
Common Carrier Travel Accident Insurance
$500,000
Flight Delay Insurance
$500
Delayed Baggage Insurance
$500
Lost/Stolen Baggage Insurance
$2,500
Auto Rental Loss/Insurance
$85,000
48 day(s)
Hotel/Motel Burglary Insurance
$3,000
  • Great Welcome Offer
  • No Foreign Transaction Fee
  • Transfer your points to airline and hotel partners
Learn More
Best Aeroplan Credit Card In 2024

Earn 60,000 Ultimate Rewards points:

  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.*

Earn Ultimate Rewards points

  • Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase TravelSM after the first $300 is spent on travel purchases annually.*
  • Earn 10x total points on hotels (excluding The Edit) and car rentals when you purchase travel through Chase after the first $300 is spent on travel purchases annually.*
  • Earn 3x points on other travel worldwide after the first $300 is spent on travel purchases annually.*
  • Earn 3x points on dining at restaurants, including eligible delivery services, takeout, and dining out.*
  • Earn 10x total points on Chase Dining purchases with Ultimate Rewards®.*
  • Plus, earn 1 point per dollar spent on all other purchases.*
  • Get 50% more value when you redeem for travel through Chase. For example, 60,000 points are worth $900 toward travel.*
  • Plus, ultimate rewards points do not expire as long as the account is open.*

Other card features

  • No Foreign Transaction Fees*
  • Complimentary Airport Lounge Access: Rest and revive before your flight at one of the 1,300+ VIP lounges in over 500 cities worldwide after an easy, one-time enrollment in Priority Pass™ Select.*
  • Book through The EditSM and discover a curated collection of inspired stays with cardmember benefits including daily breakfast for two, a $100 property credit, room upgrades (upon availability) and more.*
  • Take advantage of over $1,000 in partner value with Sapphire Reserve.*
  • Take advantage of the most flexible travel credit available by receiving up to $300 in statement credit reimbursements each anniversary year for more of your travel purchases than any other card.*
  • Global Entry, TSA PreCheck, Nexus: Receive one statement credit of up to $120 every four years as reimbursement for the application fee charged to your card.*
  • Transfer your points to other frequent flyer programs at a 1:1 rate: Aer Lingus Aerclub, Air Canada Aeroplan, British Airways Executive Club, Emirates Skywards, Flying Blue AIR FRANCE KLM, Iberia Plus, JetBlue TrueBlue, Singapore Airlines KrisFlyer, Southwest Airlines Rapid Rewards, United MileagePlus, Virgin Atlantic Flying Club, IHG Rewards Club, Marriott Bonvoy, World of Hyatt
  • Get complimentary access to DashPass – a membership for both DoorDash and Caviar – a value of $120 for 12 months – which unlocks $0 delivery fee and lower service fees on eligible orders for a minimum of one year when you activate by Dec 31, 2027.*
  • Plus, DashPass members get access to up to $25 in monthly savings with a $5 monthly credit automatically credited to your DoorDash account and up to $20 per month to use on non-restaurant DoorDash orders, via two $10 promos.*
  • Eligible cardmembers* can break up card purchases of $100 or more* into fixed monthly payments with Chase Pay Over Time®. No interest, just a fixed monthly fee.†

This product is available to you if you do not have any Sapphire card and have not received a new cardmember bonus for any Sapphire card in the past 48 months.

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Terms and conditions apply.

Annual Fee
  • Primary card $550
  • Additional card $75
Annual Income Required
  • Individual
  • Household
Conversion fees
  • 0 %
Interest Rates
  • Purchase Rates 21.99 %
  • Cash Advance Rates 29.74 %
  • Balance Transfer Rates 21.99 %
Earning Rate
  • Dining and Food delivery3Ultimate Rewards Points
  • Travel3Ultimate Rewards Points
  • All Spending1Point Ultimate Rewards
Value
  • Year 1 $1,574
  • Year 2+ $374
Best For
Transfer Partners
  • AeroplanBritish Airways Executive ClubChase Ultimate RewardsFlying BlueIHG One RewardsKrisFlyerMarriott BonvoyWorld of Hyatt

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
Travel medical insurance up to 64 years old
Travel medical insurance 65+
Trip Cancellation Insurance
$10,000
Trip Interruption Insurance
$20,000
Common Carrier Travel Accident Insurance
$1,000,000
Flight Delay Insurance
$500
Delayed Baggage Insurance
$500
Lost/Stolen Baggage Insurance
$3,000
Auto Rental Loss/Insurance
$75,000
Hotel/Motel Burglary Insurance
  • Great Welcome Offer
  • No Foreign Transaction Fee
  • Transfer your points to airline and hotel partners
Learn More
Best Aeroplan Credit Card In 2024

Earn $300 in Chase Travel Credit + 60,000 Ultimate Rewards Points:

  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.*
  • Plus, get up to $300 in Chase Travel statement credits in the first year of account opening for any purchases made on Chase Travel.*

Earn Ultimate Rewards points

  • Earn 5x total points on travel purchased through Chase Travel, excluding hotel purchases that qualify for the $50 Annual Chase Travel Hotel Credit.*
  • Earn 2x on other travel purchases.*
  • Earn 3x points on dining, including eligible delivery services, takeout and dining out.*
  • Earn 3x points on online grocery purchases (excluding Target,* Walmart and wholesale clubs).*
  • Earn 3x points on select streaming services.*
  • Plus, earn 1 point per dollar spent on all other purchases.*
  • Get 25% more value when redeemed for travel. For example 60,000 points are worth $750 toward travel when redeemed through Chase Travel.*
  • Plus, ultimate rewards points do not expire as long as the account is open.*
  • Each account anniversary you’ll earn bonus points equal to 10% of your total purchases made the previous year. That means if you spend $25,000 on purchases, you’ll get 2,500 bonus points.*

Other card features

  • No Foreign Transaction Fees*
  • Take advantage of over $150 in partner valueOpens overlay with Sapphire Preferred.
  • Earn up to $50 in statement credits each account anniversary year for hotel stays purchased through Chase Travel.*
  • Transfer your points to other frequent flyer programs at a 1:1 rate: Aer Lingus Aerclub, Air Canada Aeroplan, British Airways Executive Club, Emirates Skywards, Flying Blue AIR FRANCE KLM, Iberia Plus, JetBlue TrueBlue, Singapore Airlines KrisFlyer, Southwest Airlines Rapid Rewards, United MileagePlus, Virgin Atlantic Flying Club, IHG Rewards Club, Marriott Bonvoy, World of Hyatt
  • Get complimentary access to DashPass – a membership for both DoorDash and Caviar – a value of $120 for 12 months – which unlocks $0 delivery fee and lower service fees on eligible orders for a minimum of one year when you activate by Dec 31, 2027.*
  • Plus, DoorDash members get up to $10 off a month on non-restaurant DoorDash orders.*
  • Eligible cardmembers* can break up card purchases of $100 or more* into fixed monthly payments with Chase Pay Over Time®. No interest, just a fixed monthly fee.†

This product is available to you if you do not have any Sapphire card and have not received a new cardmember bonus for any Sapphire card in the past 48 months.

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Terms and conditions apply.

Annual Fee
  • Primary card $95
  • Additional card $0
Annual Income Required
  • Individual
  • Household
Conversion fees
  • 0 %
Interest Rates
  • Purchase Rates 20.99 %
  • Cash Advance Rates 29.74 %
  • Balance Transfer Rates 20.99 %
Earning Rate
  • Dining and Food delivery3Ultimate Rewards Points
  • Streaming services3Ultimate Rewards Points
  • Travel2Ultimate Rewards Points
Value
  • Year 1 $1,995
  • Year 2+ $495
Best For
Transfer Partners
  • AeroplanBritish Airways Executive ClubChase Ultimate RewardsFlying BlueIHG One RewardsKrisFlyerMarriott BonvoyWorld of Hyatt

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
Travel medical insurance up to 64 years old
Travel medical insurance 65+
Trip Cancellation Insurance
$10,000
Trip Interruption Insurance
$20,000
Common Carrier Travel Accident Insurance
Flight Delay Insurance
$500
Delayed Baggage Insurance
$500
Lost/Stolen Baggage Insurance
Auto Rental Loss/Insurance
$60,000
Hotel/Motel Burglary Insurance
Best Aeroplan Credit Card In 2024

Earn up to 100,000 Aeroplan bonus points:

  • Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months your account is open.*
  • Plus, 25,000 bonus points after you spend $20,000 on purchases in the first 12 months.*

Earning Aeroplan Points

  • 3 points for each dollar spent at grocery stores*
  • 3 points for each dollar spent on dining at restaurants including takeout and eligible delivery services*
  • 3 points for each dollar spent on purchases made directly with Air Canada*
  • 1 point for each dollar spent on all other purchases*
  • Plus earn 500 bonus points for every $2,000 you spend in a calendar month – up to 1,500 points per month.*

Other card features

  • No Foreign Transaction Fees*
  • Join NEXUS or Global Entry or TSA PreCheck and get a fee credit every 48 months*.
  • Moreover, up to 8 travel companions benefit from a Free First Checked Bag*.
  • Enjoy seamless travel with automatic Aeroplan 25K Status
  • In addition, Chase Aeroplan cardmembers get an extra 10% bonus from Aeroplan with every Ultimate Rewards transfer of 50,000 points or more from an eligible Chase credit card.*
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Terms and conditions apply.

Annual Fee
  • Primary card $95
  • Additional card $0
Annual Income Required
  • Individual
  • Household
Conversion fees
  • 0 %
Interest Rates
  • Purchase Rates 21.24 %
  • Cash Advance Rates 29.74 %
  • Balance Transfer Rates 21.24 %
Earning Rate
  • Groceries3Aeroplan Points
  • Dining and Food delivery3Aeroplan Points
  • Air Canada3Aeroplan Points
Value
  • Year 1 $2,654
  • Year 2+ $654
Best For
Transfer Partners
  • Aeroplan

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
Travel medical insurance up to 64 years old
Travel medical insurance 65+
Trip Cancellation Insurance
$1,500
Trip Interruption Insurance
$6,000
Common Carrier Travel Accident Insurance
Flight Delay Insurance
$500
Delayed Baggage Insurance
$300
Lost/Stolen Baggage Insurance
Auto Rental Loss/Insurance
Hotel/Motel Burglary Insurance
  • Digital Exclusive Offer
  • Access to VIP Lounges
  • NEXUS Credit
Learn More

Welcome Offer: Join and get up to $1,450 in value including a first year annual fee rebate!

Here’s how you can get up to $1,450 in value :

  • Get up to 45,000 Aventura points (up to $900 in travel value) :
    • 15,000 Aventura Points when you make your first purchase
    • 30,000 Aventura Points when you spend $3,000 or more 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 in value.
  • Plus, get a NEXUS◊ Application Fee rebate: A $100 value

Plus, enjoy extra valuable travel benefits.

  • Travel when it’s right for you – your Aventura points don’t expire
  • Redeem your Aventura points for more than travel with our Shop With Points/Pay with Points features
  • Travel local – Aventura points can be redeemed for more than just flights – use your points for hotels and car rentals for a weekend getaway
  • 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, EV charging, grocery stores and drug stores
  • 1 point for every $1 spent on all other purchases

Save on gas with CIBC and Journie Rewards

Link and use your CIBC Aventura Gold Visa Card with Journie Rewards to save up to 10 cents per litre at participating Pioneer, Fas Gas, Ultramar and Chevron gas stations.

Legal

This is a digital-exclusive offer. To be eligible for this offer: 1) this offer must have been directly communicated to you from CIBC or from a partner/affiliate; and 2) you must apply for the eligible card through the link provided in the CIBC or partner/affiliate communication to you.

This offer is reserved for you. Please do not forward it to anyone else. CIBC may approve your application, but you are not eligible to receive this Offer if you have opened, transferred or cancelled another Aventura card within the last 12 months.

Terms and conditions apply. Click on Apply Now to learn more.

Annual Fee
  • Primary card $139
  • Additional card $50
Annual Income Required
  • Individual $15,000
  • Household $15,000
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 20.99 %
  • Cash Advance Rates 22.99 %
    21.99 % (QC)
  • Balance Transfer Rates 22.99 %
    21.99 % (QC)
Earning Rate
  • Groceries1.5Aventura Points
  • Gas1.5Aventura Points
  • Drugstores1.5Aventura Points
Value
  • Year 1 $1,177
  • Year 2+ $359
Best For
Transfer Partners
  • CIBC Aventura

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
$5,000,000
15 day(s)
Travel medical insurance up to 64 years old
$5,000,000
15 day(s)
Travel medical insurance 65+
$5,000,000
3 day(s)
Trip Cancellation Insurance
Trip Interruption Insurance
Common Carrier Travel Accident Insurance
$500,000
Flight Delay Insurance
$500
Delayed Baggage Insurance
$500
Lost/Stolen Baggage Insurance
$500
Auto Rental Loss/Insurance
$65,000
48 day(s)
Hotel/Motel Burglary Insurance
$2,500
  • Digital Exclusive Offer
  • Access to VIP Lounges
  • NEXUS Credit
Learn More
Best Visa Credit Card in 2023

Welcome Offer: Join and get up to $1,450 in value including a first year annual fee rebate!

Here’s how you can get up to $1,450 in value :

  • Get up to 45,000 Aventura points (up to $900 in travel value) :
    • 15,000 Aventura Points when you make your first purchase
    • 30,000 Aventura Points if you spend $3,000 or more 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 in value.
  • Plus, get a NEXUS◊ Application Fee rebate: a $100 value

Plus, enjoy extra valuable travel benefits:

  • Travel when it’s right for you – your Aventura points don’t expire
  • Redeem your Aventura points for more than travel with our Shop With Points/Pay with Points features
  • Travel local – Aventura points can be redeemed for more than just flights – use your points for hotels and car rentals for a weekend getaway
  • 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, EV charging, grocery stores and drug stores
  • 1 point for every $1 spent on all other purchases

Save on gas with CIBC and Journie Rewards:

Link and use your CIBC Aventura Visa Infinite Card with Journie Rewards to save up to 10 cents per litre at participating Pioneer, Fas Gas, Ultramar and Chevron gas stations.

Legal

This is a digital-exclusive offer. To be eligible for this offer: 1) this offer must have been directly communicated to you from CIBC or from a partner/affiliate; and 2) you must apply for the eligible card through the link provided in the CIBC or partner/affiliate communication to you.

This offer is reserved for you. Please do not forward it to anyone else. CIBC may approve your application, but you are not eligible to receive this Offer if you have opened, transferred or cancelled another Aventura card within the last 12 months.

Terms and conditions apply. Click on Apply Now to learn more.

Annual Fee
  • Primary card $139
  • Additional card $50
Annual Income Required
  • Individual $60,000
  • Household $100,000
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 20.99 %
  • Cash Advance Rates 22.99 %
    21.99 % (QC)
  • Balance Transfer Rates 22.99 %
    21.99 % (QC)
Earning Rate
  • Groceries1.5Aventura Points
  • Gas1.5Aventura Points
  • Drugstores1.5Aventura Points
Value
  • Year 1 $1,177
  • Year 2+ $359
Best For
Transfer Partners
  • CIBC Aventura

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
$5,000,000
15 day(s)
Travel medical insurance up to 64 years old
$5,000,000
15 day(s)
Travel medical insurance 65+
$5,000,000
3 day(s)
Trip Cancellation Insurance
$1,500
Trip Interruption Insurance
$2,000
Common Carrier Travel Accident Insurance
$500,000
Flight Delay Insurance
$500
Delayed Baggage Insurance
$500
Lost/Stolen Baggage Insurance
$500
Auto Rental Loss/Insurance
$65,000
48 day(s)
Hotel/Motel Burglary Insurance
$2,500
Get 3,500 Avion points on approval with the RBC ION Visa Card.

Get 6,000 Avion points upon approval*- that’s $40 of value in gift cards+! Apply by November 4, 2024.

Earn 1.5X Avion points on:

  • Grocery – Satisfy your taste buds by earning points on groceries
  • Rides, Gas & EV Charging – Enjoy earning points on gas, rideshare, daily public transit, electric vehicle charging.
  • Streaming, Digital Gaming & Subscriptions – Stay entertained while earning points on streaming, gaming, eligible digital subscriptions, eligible digital downloads, and in-game purchases.

Earn one Avion point for every $1 spent on all other qualifying purchases.

Pay With Points

  • Redeem your Avion points to pay bills, your credit card balance or even send money to friends with Interac e-Transfer. Minimum redemption is only $10, so you can use your points where you need them most.

Exclusive savings and rewards

  • Automatically become an Avion Rewards Premium member when you get the RBC ION Visa. Download the Avion Rewards app to access points, cash back deals, and savings all in one program.
  • Plus, download the Avion Rewards ShopPlus browser extension to save with cash back deals right where you shop online from 1,900+ retailers.

Save at Petro-Canada

  • Save 3¢/L on fuel and earn 20% more points when you pay with a linked RBC card.

Earn more Be Well points at Rexall

  • Earn 50 Be Well points for every $1 spent on eligible purchases at Rexall when you pay with your linked RBC card and scan your Be Well card.

Save Big on Delivery with DoorDash

  • Get a 3-month complimentary DashPass subscription – a value of almost $30
  • Enjoy unlimited deliveries with $0 delivery fees on qualifying orders of $15 or more when you pay with your eligible RBC credit card. See how to save with DoorDash.

Purchase Security and Extended Warranty Insurance

  • Automatically protects eligible card purchases against loss, theft or damage within 90 days of purchase, and doubles the manufacturer’s original Canadian warranty by up to one additional year, to a maximum of five years.
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Refer to RBC page for up to date offer terms and conditions

* This offer only applies to new applications for an RBC ION Visa credit card received between May 28, 2024 and November 4, 2024 (“Offer Period”) and approved by Royal Bank of Canada (“Royal Bank”), subject to the conditions below. Additional cardholders(s) (co-applicant and authorized user(s)) on the RBC ION Visa credit card account, as well as existing cardholders on any RBC Royal Bank personal credit card transferring to an RBC ION Visa credit card during the Offer Period, are not eligible for this offer. 6,000 welcome Avion points (“Welcome Points”) will appear on your monthly credit card statement within sixty (60) days after your application has been approved, provided that your RBC ION Visa credit card account (“Credit Card Account”) remains open and in good standing at the time the Welcome points are credited to your account, “good standing” meaning that your Credit Card Account must not be past due for more than two (2) consecutive credit card account statement periods, closed, charged off or in credit revoked status. If you close or change your RBC ION Visa credit card for another type of RBC Royal Bank credit card before the Welcome Points have been credited to your account, you may lose the benefit of this offer. This offer may not be combined or used in conjunction with any other offer. Royal Bank reserves the right to cancel, modify or withdraw this offer at any time without notice, even after your application has been approved, including if we suspect that you may be manipulating or abusing it, or engaging in any suspicious or fraudulent activity, as determined by Royal Bank in its sole discretion. For complete terms and conditions that apply to the Avion Rewards Program, please visit www.avionrewards.com or call 1-800-769-2512.

+ To get $40 worth of gift cards/certificates, you will need a total of 5,600 Avion points. Minimum redemption of 1,400 Avion points for most $10 gift cards/certificates. Some exceptions apply. Point redemption values may fluctuate. For general redemption terms, conditions and restrictions that apply to the Avion Rewards program, as well as for current point redemption values, please visit https://www.avionrewards.com/terms-and-conditions.html or call 1-800-769-2512.

Annual Fee
  • Primary card $0
  • Additional card $0
Annual Income Required
  • Individual $0
  • Household $0
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 20.99 %
  • Cash Advance Rates 22.99 %
    21.99 % (QC)
  • Balance Transfer Rates 22.99 %
    21.99 % (QC)
Earning Rate
  • Groceries1.5Points
  • Gas1.5Points
  • Local Transport1.5Points
Value
  • Year 1 $225
  • Year 2+ $200
Best For
Transfer Partners
  • RBC Avion Rewards - Premium

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
Travel medical insurance up to 64 years old
Travel medical insurance 65+
Trip Cancellation Insurance
Trip Interruption Insurance
Common Carrier Travel Accident Insurance
Flight Delay Insurance
Delayed Baggage Insurance
Lost/Stolen Baggage Insurance
Auto Rental Loss/Insurance
Hotel/Motel Burglary Insurance
  • No annual fee
  • 2X points at Scene+ grocery stores (IGA, Rachelle Béry, Sobeys, etc.)
Learn More
  • Earn up to 7,500 bonus Scene+ points in the first three months
  • Earn 2x Scene+ points on every $1 you spend at Sobeys, IGA, Safeway, Foodland, FreshCo, Voilà by Sobeys, Voilà by IGA, Voilà by Safeway, Chalo! FreshCo, Thrifty Foods, IGA West, Les Marchés Tradition, Rachelle Béry and Co-Op.
  • Earn 2x Scene+ points for every $1 you spend in Home Hardware stores and online at homehardware.ca
  • Earn 2x Scene+ points for every $1 you spend at Cineplex theatres or online at cineplex.com
  • In addition, earn 1 Scene+ point for every $1 you spend on all other eligible everyday purchases.
  • Redeem your Scene+ points for travel, merchandise, entertainment, dining out, statement credits and more.
Legal

*Conditions apply.

Annual Fee
  • Primary card $0
  • Additional card $0
Annual Income Required
  • Individual $12,000
  • Household $12,000
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 20.99 %
  • Cash Advance Rates 22.99 %
  • Balance Transfer Rates 22.99 %
Earning Rate
  • Groceries2Scene+ points
  • All Spending1Scene+ Point
  • Gas1Scene+ Point
Value
  • Year 1 $315
  • Year 2+ $240
Best For
Transfer Partners
  • Scene+

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
Travel medical insurance up to 64 years old
Travel medical insurance 65+
Trip Cancellation Insurance
Trip Interruption Insurance
Common Carrier Travel Accident Insurance
Flight Delay Insurance
Delayed Baggage Insurance
Lost/Stolen Baggage Insurance
Auto Rental Loss/Insurance
Hotel/Motel Burglary Insurance

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