Reward Type: Travel Awards

Up to $3,000 in value including up to 85,000 Aeroplan points and additional travel benefits could be yours. Conditions Apply.

  • Earn a welcome bonus of 20,000 Aeroplan points when you make your first Purchase with your new Card
  • Earn an additional 35,000 Aeroplan points when you spend $12,000 within 180 days of Account opening
  • Plus, earn a one-time anniversary bonus of 30,000 Aeroplan points when you spend $24,000 within 12 months of Account opening

Additional Travel Benefits :

  • Apply for the NEXUS program membership and once every 48 months get a partial application fee rebate (up to $100 CAD).
  • Share first free checked bags with up to 8 travel companions and get unlimited access to Maple Leaf Lounges including complimentary access for one guest.
  • Plus, primary cardholders get 6 complimentary worldwide select airport lounge visits annually through the Visa Airport Companion Program.
  • Earn 2 points for every $1 spent on eligible purchases made direct through Air Canada® purchases (including Air Canada Vacations®)
  • Earn 1.5 points for every $1 you charge to your Card on eligible gas, electric vehicle charging, groceries, travel & transit and dining purchases.
  • Earn 1.25 points for every $1 spent on all other purchases made with your Card
  • Earn points twice when you pay with your Card and provide your Aeroplan number at over 150 Aeroplan partner brands and at 200+ online retailers via the Aeroplan eStore (www.aeroplan.com/estore).
  • Earn Aeroplan Points on everyday purchases.
  • Redeem your points for travel and more.
  • Travel with confidence with travel medical insurance.
  • Access priority airport services such as Priority Check-in, Priority Boarding, Priority Baggage Handling, Priority Airport Hold and Priority Airport Upgrades.
  • Get an annual round-trip companion pass starting at $99 (plus taxes, fees and surcharges).
  • Complimentary Visa Infinite Concierge: On-call 24 hours a day, seven days a week, the Visa Infinite Concierge can help with any Cardholder request — big or small, to help you get the most out of life whenever you travel, shop and use your Card.
  • Global Airport Lounge Access: Receive a complimentary membership to the Visa Airport Companion Program hosted by Dragonpass International Ltd. and take advantage of six lounge visits included for each Cardholder per membership year at over 1,200 airport lounges worldwide. Enroll through the Visa Airport Companion App or through visaairportcompanion.ca
  • Visa Infinite Luxury Hotel Collection: Receive seven exclusive benefits when you book your stay through the Visa Infinite Luxury Hotel Collection featuring over 900 of the world’s most intriguing properties. Enjoy an additional 8th benefit at over 200 properties, exclusively for Visa Infinite Privilege cardholders.
  • Enjoy your eUpgrades longer : Primary Cardholders who also hold Aeroplan Elite Status will benefit from an extra 12 months to use newly issued eUpgrade credits, for a total of 24 months from issuance.
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Terms and conditions apply.

Annual Fee
  • Primary card $599
  • Additional card $199
Annual Income Required
  • Individual $150,000
  • Household $200,000
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 21.99 %
  • Cash Advance Rates 22.99 %
    21.99 % (QC)
  • Balance Transfer Rates 22.99 %
    21.99 % (QC)
Earning Rate
  • Air Canada2Aeroplan Points
  • Groceries1.5Aeroplan Points
  • Gas1.5Aeroplan Points
Value
  • Year 1 $2,161
  • Year 2+ $461
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
$5,000,000
31 day(s)
Travel medical insurance up to 64 years old
$5,000,000
31 day(s)
Travel medical insurance 65+
$5,000,000
4 day(s)
Trip Cancellation Insurance
$2,500
Trip Interruption Insurance
$5,000
Common Carrier Travel Accident Insurance
$500,000
Flight Delay Insurance
$1,000
Delayed Baggage Insurance
$1,000
Lost/Stolen Baggage Insurance
$2,500
Auto Rental Loss/Insurance
$65,000
48 day(s)
Hotel/Motel Burglary Insurance
$2,500
  • 2X Points on All Purchases
  • Premium Insurance
  • Access to VIP Lounges
Learn More
Best Travel Rewards Credit Card In 2024

Earn up to $1,400 in value, including up to 165,000 TD Rewards Points, no Annual Fee for the first year and additional travel benefits. Conditions Apply. Offer effective as of September 4, 2025.

  • Earn a welcome Bonus of 20,000 TD Rewards Points when you make your first Purchase with your Card.
  • Earn 145,000 TD Rewards Points when you spend $7,500 within 180 days of Account opening.
  • Earn a Birthday Bonus of up to 10,000 TD Rewards points.
  • Get an annual TD Travel Credit of $100 when you book at Expedia® For TD.
  • Get an Annual Fee Rebate for the first year.
  • Enjoy your time at the airport with global airport lounge access and 4 complimentary lounge visits with Visa Airport Companion Program (a value of up to $285).

To receive the first-year annual fee rebate for the Primary Cardholder, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening. To receive the Additional Cardholder(s) first-year annual fee rebate, you must add your Additional Cardholder(s) while the offer is in effect.

Earn TD Reward Points on all the things you normally do, whether you use your Card for groceries, dining, paying bills streaming services or booking travel. The rewards will add up quickly so you can enhance your everyday experiences and enjoy a wide variety of rewards.

  • Earn 8 TD Rewards Points for every $1 you spend when you book travel through Expedia® For TD
  • Earn 6 TD Rewards Points for every $1 you spend on Groceries, Dining, and Public Transit
  • Earn 4 TD Rewards Points for every $1 you spend on Recurring Bill Payments and Streaming, Digital Gaming & Media
  • Earn 2 TD Rewards Points for every $1 you spend on other Purchases made using your Card plus earn an annual Birthday Bonus of up to 10,000 TD Rewards Points

Your card also allows you to enjoy:

  • An extensive suite of travel insurance coverages which helps you travel prepared
  • No travel blackouts, no seat restrictions and no expiry for your TD Rewards Points as long as your account is open and in good standing.
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Terms and conditions apply.

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 21.99 %
  • Cash Advance Rates 22.99 %
    21.99 % (QC)
  • Balance Transfer Rates 22.99 %
    21.99 % (QC)
Earning Rate
  • Groceries6TD Rewards Points
  • Dining and Food delivery6TD Rewards Points
  • Local Transport6TD Rewards Points
Value
  • Year 1 $1,634
  • Year 2+ $531
Best For
Transfer Partners
  • TD 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
$2,000,000
21 day(s)
Travel medical insurance up to 64 years old
$2,000,000
21 day(s)
Travel medical insurance 65+
$2,000,000
4 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
$1,000
Lost/Stolen Baggage Insurance
$1,000
Auto Rental Loss/Insurance
$65,000
48 day(s)
Hotel/Motel Burglary Insurance
$2,500

Up to $400 in value, including up to 15,000 Aeroplan points could be yours. Plus, enjoy no annual fee for the first year. Conditions Apply. Offer effective as of September 4, 2025.

  • Earn a welcome bonus of 10,000 Aeroplan points when you make your first Purchase with your new Card
  • Earn an additional 5,000 Aeroplan points when you spend $1,000 within 90 days of Account opening
  • Get an annual fee rebate for the first year

To receive the first-year annual fee rebate, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening and you must add your Additional Cardholders while the offer is in effect.

  • Earn 1 Aeroplan point for every $1 you spend on eligible gas, electric vehicle charging, grocery and Air Canada® purchases, including Air Canada Vacations®.
  • Earn 1 point for every $1.50 spent on all other eligible purchases† made with your Card
  • Earn points twicewhen you pay with your Card and provide your Aeroplan number at over 150 Aeroplan partner brands and at 200+ online retailers via the Aeroplan eStore (www.aeroplan.com/estore).
  • Your Aeroplan Points do not expire as long as you are a TD® Aeroplan® Visa Platinum* Cardholder
  • Earn Aeroplan Points on your everyday purchases
  • Redeem your points for travel and more.
  • Take advantage of an extensive suite of travel insurance.
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Terms and conditions apply.

Annual Fee
  • Primary card $89
  • Additional card $35
Annual Income Required
  • Individual $0
  • Household $0
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 21.99 %
  • Cash Advance Rates 22.99 %
    21.99 % (QC)
  • Balance Transfer Rates 22.99 %
    21.99 % (QC)
Earning Rate
  • Groceries1Aeroplan Point
  • Gas1Aeroplan Point
  • Air Canada1Aeroplan Point
Value
  • Year 1 $766
  • Year 2+ $288
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
Trip Interruption Insurance
Common Carrier Travel Accident Insurance
$500,000
Flight Delay Insurance
$500
Delayed Baggage Insurance
$1,000
Lost/Stolen Baggage Insurance
$1,000
Auto Rental Loss/Insurance
$65,000
48 day(s)
Hotel/Motel Burglary Insurance
$2,500
American Express® Business Gold Rewards Card
Business Card
  • Use your points as a statement credit on any purchase
  • Transfer your points to airline and hotel partners
Learn More
  • Earn a welcome bonus of 40,000 Membership Rewards® points after spending $7,500 in purchases within the first three months of Cardmembership
  • That’s $400 in statement credits that can be reinvested in your business
  • Plus, earn 10,000 bonus points in each calendar quarter when you spend $20,000 or more. That could add up to $400 in value every year

Earn points that you can redeem in a variety of ways.

  • Earn 1 Membership Rewards® point for every dollar in purchases charged to the Card and get the most out of your business expenses.
  • Enjoy an exceptional line-up of rewards redemption options for you and your business, including travel, dining, entertainment, gift cards, merchandise, and more with Membership Rewards program.
  • Transfer points to frequent flyer and hotel programs, including one-to-one to Aeroplan®* and Avios.

Unlock business possibilities with a full suite of business management tools that give you more control over your business - anytime and anywhere

  • Take advantage of purchasing power that grows with your business with no pre-set spending limit on purchases. With this Card, your purchasing power adjusts dynamically with your Card usage, and can grow over time, as long as you make your payments on time and maintain a good credit history
  • Maximize your cash flow with up to 55 interest free days so you can keep more cash on hand when you need it most.
  • Pay for business expenses over time with Flexible Payment Option
  • This charge card has both Due in Full and Flexible Payment Option balances. All Due in Full balances must be paid each month. Interest rate of 30% applies to each delinquent Due in Full charge. This rate is effective from the day account is opened. The Preferred rate of 21.99% applies to your Flexible Payment Option balance. If you have 2 separate Missed Payments in a 12 month period, the Flexible Payment Option rate for your account will be 25.99%. If you have 3 or more separate Missed Payments in a 12 month period, the Flexible Payment Option Rate will be 29.99%. These rates are effective from the day the Flexible Payment Option is first available on your account.

Access comprehensive insurance coverage for your travel needs.

  • Access Travel Emergency Assistance, and up to $100,000 Travel Accident Insurance when you fully charge your tickets to your Business Gold Rewards Card.
  • Plus, access Lost or Stolen Baggage Insurance, Flight Delay Insurance, and Baggage Delay Insurance when you fully charge your airline tickets to your Business Gold Rewards Card.
  • Save money when travelling with complimentary Car Rental Theft and Damage Insurance

Access coverage that can protect your business purchases when you charge the full price of eligible items to your Business Gold Rewards Card.

  • Protect your eligible purchases against accidental physical damage and theft for up to 90 days with Purchase Protection® Plan
  • Double the manufacturer’s original warranty up to one additional year with Buyer’s Assurance® Protection Plan

Access to coverage for mobile devices purchased for business use.

  • Access Mobile Device Insurance of up to $1,000 in the event of theft, loss or accidental damage, anywhere in the world, when you fully charge or finance the purchase price of an eligible mobile device on your Business Gold Rewards Card.
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*Terms and conditions apply.
American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full and up-to-date product information, click on the Apply now link. Terms and conditions apply.

Earning Rate
  • All Spending1Membership Rewards
  • Groceries1Membership Rewards
  • Gas1Membership Rewards
Value
  • Year 1 $1,569
  • Year 2+ $209
Best For
Transfer Partners
  • AeroplanAsia MilesBritish Airways ClubMarriott BonvoyAmerican Express Membership 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
Travel medical insurance up to 64 years old
Travel medical insurance 65+
Trip Cancellation Insurance
Trip Interruption Insurance
Common Carrier Travel Accident Insurance
$100,000
Flight Delay Insurance
$500
Delayed Baggage Insurance
$500
Lost/Stolen Baggage Insurance
$500
Auto Rental Loss/Insurance
$85,000
48 day(s)
Hotel/Motel Burglary Insurance
$500
Marriott Bonvoy Business
Business Card
  • Earn 5x the points on eligible Marriott purchases*
  • 3X points on gas, dining and travel
  • Enjoy an Annual Free Night Award after your Card anniversary each year*
Learn More
Get a welcome bonus of 60,000 Marriott Bonvoy points

Earn 60,000 Welcome Bonus Marriott Bonvoy® points after you charge $5,000 in purchases to your Card in your first three months of Cardmembership.

Earn Marriott Bonvoy points that you can redeem in a variety of ways:

  • Earn 5 points for every $1 in Card purchases at participating Marriott Bonvoy hotels.
  • Earn 3 points for every $1 spent on eligible gas, dining and travel after your welcome offer ends, or the cap is reached.
  • Earn 2 points for every $1 spent on everything else
  • Redeem points for free nights with no blackout dates at over 7,000 of some of the world's most extraordinary hotels and resorts around the globe. Use your points for flights on some of the world's leading airlines

Make the most out of a full suite of business management tools that give you more control over your business - anytime and anywhere.

  • Leverage your cash flow with the option of carrying a balance or paying in full each month
  • Control employee expenses plus track and accumulate points on your account with Supplementary Cards, so you have an opportunity to maximize the points you earn.

Experience the exclusive benefits of the Marriott Bonvoy® Business American Express®* Card:

  • Receive an Annual Free Night Award for up to 35,000 points at eligible hotels and resorts worldwide every year after your first anniversary
  • Receive 15 Elite Night Credits each calendar year with your Marriott Bonvoy Business American Express Card. These can be used towards attaining the next level of Elite status in the Marriott Bonvoy program
  • Enjoy an automatic upgrade to Marriott Bonvoy Gold Elite status when you reach $30,000 in purchases on the Card each year or when you combine 10 qualifying paid nights within one calendar year with the 15 Elite Night Credits from your card
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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.

Annual Fee
  • Primary card $150
  • Additional card $50
Annual Income Required
  • Individual $0
  • Household $0
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 21.99 %
  • Cash Advance Rates 21.99 %
  • Balance Transfer Rates
Earning Rate
  • Gas3Marriott Bonvoy points
  • Dining and Food delivery3Marriott Bonvoy points
  • Travel3Marriott Bonvoy points
Value
  • Year 1 $887
  • Year 2+ $347
Best For
Transfer Partners
  • Marriott Bonvoy

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
$500,000
Flight Delay Insurance
$500
Delayed Baggage Insurance
$500
Lost/Stolen Baggage Insurance
$500
Auto Rental Loss/Insurance
$85,000
48 day(s)
Hotel/Motel Burglary Insurance
$500
  • Earn 5x the points on eligible Marriott purchases*
  • Earn 2 points for every $1 in all other Card purchases.
  • Enjoy an Annual Free Night Award after your Card anniversary each year*
Learn More
Best Hotel Credit Card In 2024

New Marriott Bonvoy® American Express®* Cardmembers earn 50,000 Marriott Bonvoy® points after you charge $1,500 in purchases to your Card in your first three months of Cardmembership. Subject to change at any time.

  • Earn 5 points for every dollar in eligible Card purchases at hotels participating in Marriott Bonvoy®.
  • Earn 2 points for every $1 in all other Card purchases.
  • Receive an Annual Free Night Award for up to 35,000 points at eligible hotels and resorts worldwide every year after your first anniversary.
  • No annual fee on Additional Cards.
  • Redeem points for free nights with no blackout dates at over 7,000 of the world’s most desired hotels.
  • Automatic Marriott Bonvoy Silver Elite status membership.
  • Receive 15 Elite Night Credits each calendar year with your Marriott Bonvoy® American Express®* Card. These can be used towards attaining the next level of Elite status in the Marriott Bonvoy program.
  • Enjoy an automatic upgrade to Marriott Bonvoy Gold Elite status when you reach $30,000 in purchases on the Card each year or when you combine 10 qualifying paid nights within one calendar year with the 15 Elite Night Credits from your card.
Legal

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.

Annual Fee
  • Primary card $120
  • Additional card $0
Annual Income Required
  • Individual $0
  • Household $0
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 21.99 %
  • Cash Advance Rates 21.99 %
  • Balance Transfer Rates
Earning Rate
  • All Spending2Marriott Bonvoy points
  • Groceries2Marriott Bonvoy points
  • Gas2Marriott Bonvoy points
Value
  • Year 1 $762
  • Year 2+ $312
Best For
Transfer Partners
  • Marriott Bonvoy

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
$500,000
Flight Delay Insurance
$500
Delayed Baggage Insurance
$500
Lost/Stolen Baggage Insurance
$500
Auto Rental Loss/Insurance
$85,000
48 day(s)
Hotel/Motel Burglary Insurance
$500
  • 5X points on groceries, gas, dining and transit
  • $50 Anniversary Lifestyle Credit
  • Visa Infinite Benefits
Learn More
Best credit card for gas and transit in 2023
  • Welcome offer: You deserve to be rewarded! Get up to 80,000 points and the $120 annual fee waived in the first year*
  • That’s 32,000 points when you spend $3,000 in the first 3 months, and 4,000 points for each subsequent month in which you make at least $2,000 in purchases on your card, for 12 months.
  • Earn 5x the BMO Rewards points on groceries, dining, gas and transit*
  • Get 1 BMO Reward for every $1 spent on everything else*
  • Get a $50 Anniversary Lifestyle Credit to spend however you want*
  • Earn 10% more points when you add an authorized user to your account*
  • Mobile Device Insurance that covers you for up to $1,000*
  • Pay with Points by browsing your recent transactions and redeem your Points for as little as $1*
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*Conditions apply.

BMO is not responsible for maintaining the content on this site. For the latest information, please click on Apply Now.

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 21.99 %
  • Cash Advance Rates 23.99 %
    21.99 % (QC)
  • Balance Transfer Rates 23.99 %
    21.99 % (QC)
Earning Rate
  • Groceries5Points
  • Gas5Points
  • Dining and Food delivery5Points
Value
  • Year 1 $1,072
  • Year 2+ $365
Best For
Transfer Partners
  • BMO 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
$5,000,000
21 day(s)
Travel medical insurance up to 64 years old
$5,000,000
21 day(s)
Travel medical insurance 65+
Trip Cancellation Insurance
Trip Interruption Insurance
Common Carrier Travel Accident Insurance
$500,000
Flight Delay Insurance
Delayed Baggage Insurance
Lost/Stolen Baggage Insurance
Auto Rental Loss/Insurance
$65,000
48 day(s)
Hotel/Motel Burglary Insurance
WestJet RBC World Elite Mastercard for Business EN
Business Card
Learn More

Get 35,000 welcome WestJet points after first purchase - $350 in WestJet travel savings*

Fastest Way to Earn WestJet Points

  • Earn 6 WestJet points per dollar spent on eligible WestJet airfare or vacation packages.
  • Earn 3 WestJet points for every $1 spent on telecommunications, shipping and electronics purchases2
  • Earn 1.5 WestJet points for every $1 spent on everyday purchases3

Instant Silver Status4

  • Only Canadian credit card that instantly provides top-tier status in the first year
  • Benefits: Lounge passes, priority check-in & boarding, 2 free checked bags for you and up to 8 additional guest travelling on the same reservation
  • Silver status can be maintained by a minimum annual spend of $30,000 on the card annually after the first year4

Combine WestJet Points

  • Points earned on your business credit card will be automatically added to your personal WestJet Rewards account– no transfers required
  • All WestJet points earned by secondary business cardholders are automatically added to your WestJet Rewards account5

Redeem WestJet Points

  • Redeem your WestJet points towards travel with WestJet, WestJet Vacations, Sunwing Vacation packages and partner airlines6
  • Redeem points to save on seat selection, checked baggage fees, and cabin upgrades6
  • Redeem your points for gift cards and merchandise from your favourite brands at the new WestJet Rewards eStore6

Enjoy Airport Lounges Worldwide

  • • Enjoy airport lounges worldwide: Your WestJet RBC World Elite Mastercard for Business entitles you to membership in the Mastercard Travel Pass Program provided by DragonPass.11
  • This program offers access to more than 1,300 airport lounges globally, plus valuable airport dining and spa offers. Download the Mastercard Travel Pass app and register at mastercardtravelpass.dragonpass.com

To apply for the card, please visit a branch or call 1 866-776-6226.

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* To benefit from this offer and receive 35,000 welcome WestJet points upon your first purchase (“Welcome WestJet Points”), your application must be approved by Royal Bank of Canada (“Royal Bank”).

WestJet bonus enrolment points will appear in your WestJet Rewards account, accessible at westjet.com/account, within six (6) weeks of your first purchase, provided your WestJet RBC World Elite Mastercard for Business credit card account (“credit card account”) is open and in good standing at that time. “In good standing” means the account is not more than two (2) consecutive statement periods past due, closed, or written off, and credit has not been revoked. Only the primary cardholder of the business credit card account is eligible for WestJet bonus enrolment points; joint cardholders are not eligible. To receive WestJet bonus enrolment points, the primary cardholder of the business card must make at least one (1) purchase during the eligibility year (defined below). Any purchase made by a secondary cardholder of the business card does not count as a “first purchase.”

If you close your Credit Card Account or change it for another type of RBC Royal Bank credit card before the Welcome WestJet Points have been awarded to your WestJet Rewards account, you may not receive the points. This offer may not be combined or used in conjunction with any other offer. Royal Bank and WestJet reserve the right to modify, cancel 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 us in our sole discretion.

1. If you are a Silver Member, you will earn three (3) additional WestJet dollars for every dollar spent on eligible WestJet flights (including base fares and surcharges, seat selection, checked baggage, and upgrades, but excluding taxes), for a total of six (6) WestJet dollars for every dollar of purchase, when you pay with your WestJet RBC World Elite Mastercard for Business. The three additional WestJet dollars per dollar spent on eligible WestJet flights i) are in addition to the three WestJet dollars you earn for every dollar spent on eligible WestJet flights and are calculated separately, and ii) will be awarded (a) only if WestJet appears as the merchant for the purchase displayed on your monthly credit card statement, b) as long as you remain a Silver status member, and c) within 30 days following the end of travel.

2. Earn 3 WestJet points per dollar spent on telecommunications or electronic devices or services, or shipping services from merchants classified under the following eligible Mastercard merchant category codes (“Eligible MCCs”) and 1.5 WestJet points per dollar spent on all other purchases made with your WestJet RBC World Elite Mastercard Corporate Card.

Eligible CCCs are:
Telecommunications:
• 4812 Telecommunication apparatus, including telephone sales
• 4814 Telecommunications services, including prepaid telephone services and recurring telephone services

Electronics:
• 5045 Computers, computer peripherals, software
• 5732 Online sales
• 5734 Software stores

Shipping:
• 4215 Air and ground courier services, freight forwarders

The additional 1.5 WestJet dollars per dollar spent on telecommunications or electronic services or devices or shipping services i) are in addition to the 1.5 WestJet dollars per dollar spent on all other types of purchases and are calculated separately, and ii) will only be awarded for purchases made with merchants classified under an eligible MCC.

While some merchants may sell telecommunications or electronic services or devices or shipping services, purchases made with these merchants are not necessarily eligible for the additional 1.5 WestJet dollars per dollar spent offer if these merchants are not classified under an eligible MCC. Furthermore, merchants whose MCC is not eligible may operate in the same premises as merchants whose MCC is eligible, but purchases made with these merchants whose MCC is not eligible still do not qualify for the additional 1.5 WestJet dollars per dollar spent.

The Royal Bank of Canada (“Royal Bank”) cannot guarantee that a merchant selling telecommunications or electronic services or devices or shipping services will be classified under an eligible MCC, and in no event will the Royal Bank be obligated to award the additional 1.5 points for a purchase made with a merchant not classified under an eligible MCC. WestJet dollars are awarded on net purchases only; they are not awarded on cash advances (including balance transfers, cash-like transactions, and bill payments that are not pre-authorized debits established with a merchant), interest charges, and other fees. Returns or adjustments will reduce or cancel the number of points earned on amounts originally charged to the card. The Royal Bank of Canada and WestJet reserve the right to cancel, modify, or withdraw this offer at any time.

3. Earn 3 WestJet dollars per dollar spent on eligible WestJet flights or WestJet Vacations packages and 1.5 WestJet dollars per dollar spent on all other types of purchases when you pay with your WestJet RBC World Elite Mastercard for Business. The additional 1.5 WestJet dollars per dollar spent on eligible WestJet flights and WestJet Vacations packages i) are in addition to the 1.5 WestJet dollars accumulated on all other purchases and are calculated separately, and ii) will only be awarded if WestJet or WestJet Vacations appears as the merchant on your monthly credit card statement. Therefore, if you purchase WestJet flights or a WestJet Vacations package through a travel agency or a third-party website, you may not be eligible for the additional 1.5 WestJet dollars per dollar spent. WestJet dollars are awarded on net purchases only; they are not awarded on cash advances (including balance transfers, cash-like transactions, and bill payments that are not pre-authorized debits established with a merchant), interest charges, and other fees. Returns or adjustments will reduce or cancel the number of points earned on amounts originally charged to the card.

4. The primary cardholder on a WestJet RBC World Elite Mastercard for Business account (“Primary Business Cardholder”) will enjoy all the benefits of WestJet Silver status (“Silver Benefits”), starting within ten (10) days from their WestJet RBC World Elite Mastercard for Business account (“WestJet RBC Business Account”) approval date, until December 31st of the following calendar year (“First Year Silver Benefit”).

When the Silver level benefits for the first year are no longer in effect, the primary corporate cardholder may retain the Silver benefits for the next eligibility year (defined below) if a total of at least $30,000 in eligible purchases (defined below) has been charged to their eligible WestJet RBC account during the previous eligibility year (” Silver Level benefits for the following year”), and so on.

“Eligible purchases” means the net total of purchase transactions made by any cardholder on the WestJet RBC Business Account and appearing on a monthly statement for the eligible WestJet RBC Business Account during an eligibility year (defined below), less returns and other credits, fees, interest charges, and cash advances (balance transfers, cash-like transactions, bill payments that are not pre-authorized debits established with a merchant).

Qualifying Year” means January 1 to December 31 of each calendar year. For new Eligible WestJet RBC Business Accounts, it means the period between the first WestJet RBC Business Account’s monthly statement date, and December 31.

A business cardholder who benefits from Silver status for the first year or the following year will no longer be able to benefit from these advantages as of January 1st of the following year if a total of less than $30,000 in eligible purchases is charged to their eligible WestJet RBC business account during the eligibility year. Subsequently, if a total of at least $30,000 in eligible purchases is charged to their WestJet RBC business account at any time during an eligibility year, the business cardholder will be able to benefit again from Silver status advantages starting from the first day of the next statement period and until December 31st of the following eligibility year.

To determine whether a total of at least $30,000 in eligible purchases has been charged to a WestJet RBC Business account during an eligibility year, we will review eligible purchases charged to the WestJet RBC Business account up to the date of the December monthly statement (statement date). As a result, some purchases made in December may not be included in the $30,000 of eligible purchases for a given eligibility year. For example, if monthly statements are produced on the 27th day of each month and a purchase is made on December 28, the transaction will appear on the January monthly statement and will not count toward the $30,000 in eligible purchases for the current eligibility year. Eligible purchases will be reset to zero ($0) at the beginning of each eligibility year.

First Year Silver Benefit and Subsequent Silver Benefit (i) are solely for the benefit of the Primary Business Cardholder whose Eligible WestJet RBC Business Account is open and in good standing, whether the Primary Business Cardholder is a business owner, a signing authority or a simple employee, (ii) are not transferrable, (iii) do not provide the Primary Business Cardholder with the 4,000 CAD in tier qualifying spend normally required to achieve Silver status, (iv) do not replace nor override any higher WestJet tier status the Primary Business Cardholder may otherwise be enjoying in accordance with the WestJet Rewards Program, and (v) are not available to existing or former WestJet RBC World Elite Mastercard for Business primary business cardholders, applying for or transferring to a WestJet RBC World Elite Mastercard for Business.

To learn more about the benefits of Silver membership, visit www.westjet.com/en-ca/rewards/tiers/silver.
WestJet, not Royal Bank of Canada, is solely responsible for the WestJet Rewards program (the “program”), the terms and conditions of the program (including the accumulation, redemption, and administration of WestJet points), changes to the program, and the delivery of Silver benefits to eligible primary corporate cardholders. For full program details, visit www.westjet.com.

5. All WestJet points earned by all cardholders on a WestJet RBC® World Elite Mastercard for Business‡ account will be awarded to the primary business cardholder only, whether or not the primary business cardholder is a business owner, a signing authority or an employee.

6. WestJet dollars can be used to pay for: 1) base fares marketed by WestJet; 2) certain related WestJet services, such as checked baggage, upgrades, and seat selection; 3) all applicable taxes, fees, fares, and other air transportation charges on flights marketed by WestJet; 4) WestJet Vacations packages, eligible Sunwing Vacations packages, or WestJet Vacations Quebec packages; 5) purchases from designated participating partners; and 6) purchases made in the WestJet online store. No retroactive redemption of WestJet dollars will be permitted. A minimum redemption of 2,500 WestJet dollars applies to UltraBase, Econo, Premium, and Business fare purchases; the entire base fare and other air transportation charges must be paid with WestJet dollars when paying for a Member Exclusive fare. A minimum amount of 5,000 WestJet dollars per booking applies to WestJet Vacations, Sunwing Vacations, or WestJet Vacations Quebec package bookings. Other restrictions may apply and may change at any time. For full details, visit westjet.com/redeem.

11. The Mastercard Travel Pass by DragonPass program is a benefit offered to valid and eligible WestJet RBC World Elite Mastercard for Business cardholders. Each eligible WestJet RBC World Elite Mastercard for Business cardholder is entitled to a complimentary membership to participating airport lounges in the DragonPass program (as long as they remain a WestJet RBC World Elite Mastercard for Business cardholder). Cardholders must register to obtain this benefit by downloading the Mastercard Travel Pass app and registering at https://mastercardtravelpass.dragonpass.com/ using their eligible credit card. During registration, the cardholder’s name (first and last name) as it appears on their passport (or any other government-issued identification used for travel within Canada) must be entered, as it will be verified upon entry to airport lounges. For each visit to an airport lounge, a fee of US$32 (subject to change) per person is charged for the cardholder and their accompanying guests. The fees will be charged to the eligible credit card associated with the cardholder’s program membership card. Membership includes access to any participating airport lounge in the program. After registering for the program, the cardholder can access airport lounges by presenting: i) their eligible credit card, ii) their digital membership card and QR code from the app or program website, or iii) their printed or emailed e-certificate containing the membership card and QR code. Program membership will be suspended if the eligible credit card is closed or inactive, is no longer linked to the program or no longer participates in the program, or if the eligible credit card is no longer a participating product in the program. It is the cardholder’s responsibility to report any changes to the information of their eligible credit card linked to the program if there are changes. If the cardholder uses a printed or emailed e-certificate to access the lounge, they will need to obtain a new e-certificate if changes are made to their eligible credit card information. Unless suspended or cancelled, program membership is automatically renewed annually on the anniversary date (the date the cardholder registered for the program). Program membership may be suspended if the eligible credit card is no longer in good standing. Cardholders can consult the app or program website for a complete list of participating airport lounges, as well as facilities offered, opening hours, and any restrictions. Registered cardholders are subject to the terms and conditions of the airport lounge access program and the terms of use of the visited lounges established by the operators, which can be found in the app and on the program website. These terms will also be sent to cardholders by email after registration. In addition to providing access to airport lounges, program registration will allow cardholders to enjoy additional benefits and offers. For a complete list of benefits and offers and for more information, eligible credit cardholders can consult the program app or website. Cardholders who participate in the program or take advantage of the benefits or offers presented within the program are subject to the terms and conditions applicable to the benefit or offer in question, as stipulated in the program app and website. Cardholders participating in the program are subject to DragonPass’s terms of use, terms of service, and privacy policy, as well as Mastercard’s privacy statement. By registering for the program and availing themselves of the benefits and offers presented within the program, the cardholder acknowledges that DragonPass may share their program data with Mastercard or the Royal Bank of Canada (“RBC”) for program administration purposes, and that Mastercard and RBC may process this data in accordance with their privacy policies. Neither Mastercard nor RBC is responsible for any claims or damages arising from participation in the program. Mastercard may modify or cancel this program at any time without prior notice. To view the full terms and conditions, go to https://mastercardtravelpass.dragonpass.com/terms-and-conditions.

Annual Fee
  • Primary card $175
  • Additional card $75
Annual Income Required
  • Individual $80,000
  • Household $150,000
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 19.99 %
  • Cash Advance Rates 22.99 %
  • Balance Transfer Rates 22.99 %
    21.99 % (QC)
Earning Rate
  • Telecom/Internet3WestJet Points
  • All Spending1.5WestJet Points
  • Groceries1.5WestJet Points
Value
  • Year 1
  • Year 2+
Best For
Transfer Partners
  • WestJet 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
Travel medical insurance up to 64 years old
Travel medical insurance 65+
3 day(s)
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

Welcome Offer: Join and get up to $100 in value for no annual fee.

Here’s how it adds up:
  • Get up to 10,000 Aventura Points (up to $100 in travel value)
    • 2,500 Aventura Points when you complete all five activities within 60 days of your CIBC Aventura® Visa* account approval.
    • 7,500 Aventura Points after you make your first purchase within first 4 months.
  • 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
  • 1 point for every dollar spent on travel through the CIBC Rewards Centre
  • 1 point for every dollar spent at gas stations, electric vehicle charging stations, and eligible grocery and drug stores
  • 1 point for every $2 spent on all your other purchases

Save on gas with CIBC and Journie Rewards

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

Save over $600 with CIBC and Skip

Get a 12-month Skip+ free trial and other exclusive benefits when you link your CIBC Aventura Visa Card with Skip.

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 $0
  • Additional card $0
Annual Income Required
  • Individual $15,000
  • Household $15,000
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 21.99 %
  • Cash Advance Rates 22.99 %
    21.99 % (QC)
  • Balance Transfer Rates 22.99 %
    21.99 % (QC)
Earning Rate
  • Groceries1Aventura Point
  • Gas1Aventura Point
  • Drugstores1Aventura Point
Value
  • Year 1 $314
  • Year 2+ $194
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
Travel medical insurance up to 64 years old
Travel medical insurance 65+
Trip Cancellation Insurance
Trip Interruption Insurance
Common Carrier Travel Accident Insurance
$100,000
Flight Delay Insurance
Delayed Baggage Insurance
Lost/Stolen Baggage Insurance
Auto Rental Loss/Insurance
Hotel/Motel Burglary Insurance

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