Reward Type: Travel Rewards

  • 5X points on groceries and dining
  • Purchasing insurance
  • Accepted at Costco
Learn More

Receive up to 30,000 bonus points (approximately $250 cash back value):

  • 20,000 bonus points†† (approximately $165 in cash back value) after you make $2,000 or more in eligible purchases within the first 90 days of your account opening.
  • 10,000 bonus points††(approximately $80 in cash back value) once enrolled for paperless e-statements within the first 90 days of account opening
  • Earn 5 points‡ for every $1 spent on eligible restaurant, grocery, digital media, membership, and household utility purchases until $50,000 is spent annually in the applicable category. 1 point‡ for every $1 on all other eligible purchases
  • Each year, you will receive Birthday Bonus Points‡ equal to 10% of the total number of Points earned in the 12 months before the month of your birthday, to a maximum Birthday Bonus each year of 15,000 Points.
  • Redeem points‡ for cash back, brand-name merchandise, gift cards from participating retailers, charitable donations, and travel.
  • Standard Annual Interest Rates of 21.99% on eligible purchases, 22.99% on balance transfers✪, and 22.99% on cash advances
  • Mobile Device Insurance*** With Mobile Device Insurance, you’ve got up to $1,000 in coverage for eligible mobile devices in the event of loss, theft, accidental damage or mechanical breakdown.
  • $120 annual fee. $50 Additional Card Annual Fee for one authorized user (if you have one).
  • To qualify, your personal annual income must be greater than $80,000, or your household annual income must be $150,000 or greater††††.
Legal

††, ‡, ✪, ***, ††††, Terms and Conditions apply.

Sponsored advertising. MBNA is a division of The Toronto-Dominion Bank (TD) and TD is not responsible for the contents of this site including any editorials or reviews that may appear on this site. For complete information about this MBNA credit card, click on the « Apply Now » button.

The Toronto-Dominion Bank is the issuer of this credit card. MBNA is a division of The Toronto-Dominion Bank.

Annual Fee
  • Primary card $120
  • Additional card $50
Annual Income Required
  • Individual $80,000
  • Household $150,000
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 21.99 %
    21.99 % (QC)
  • Cash Advance Rates 22.99 %
    21.99 % (QC)
  • Balance Transfer Rates 22.99 %
    21.99 % (QC)
Earning Rate
  • Groceries5Points
  • Dining and Food delivery5Points
  • Recurring Payments5Points
Value
  • Year 1 $833
  • Year 2+ $533
Best For
Transfer Partners
  • MBNA 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
Flight Delay Insurance
Delayed Baggage Insurance
Lost/Stolen Baggage Insurance
Auto Rental Loss/Insurance
Hotel/Motel Burglary Insurance
  • $100 Annual Credit
  • Access to VIP Lounges
  • Transfer your points to airline and hotel partners
Learn More
Best credit card for drugstores in 2023

Earn up to 60,000 Membership Rewards® points:

  • New American Express® Gold Rewards Cardmembers, earn 5,000 Membership Rewards® points for each monthly billing period in which you spend $1,000 in net purchases on your Card

Card features

  • Earn 2 points for every $1 in Card purchases for eligible travel purchases, including flights, hotels, car rentals, cruises, and more
  • Earn 2 points for every $1 in Card purchases at eligible gas stations, grocery stores and drugstores in Canada, and 1 point for every $1 in Card purchases everywhere else
  • The Card is now available in your choice of Gold or Rose Gold metal options
  • Receive a C$50 statement credit when you charge your American Express Gold Rewards Card for NEXUS membership or renewal fees
  • You have access to an annual $100 CAD Travel Credit, compliments of your American Express Gold Rewards Card. Use the credit once annually towards any single travel booking of $100 or more charged to your Gold Rewards Card through American Express Travel Online
  • As a Gold Rewards Cardmember, you can receive complimentary membership in Priority PassTM – one of the world’s largest independent airport lounge programs. Escape the chaos of airports and relax in an oasis of calm and simply enjoy the fact that the travel experience has begun before your plane has even left the ground. Enrollment is required and entry fees apply
  • Enjoy four (4) free visits per calendar year to Plaza Premium lounges in Canada. Entry fees apply once complimentary visits have been used
  • Charge any eligible purchase to your credit Card then log in to redeem your earned points for a statement credit
  • Transfer points 1:1 to several frequent flyer and other loyalty programs
  • 1 Free Additional Gold Rewards Card (a $50 value) to help you earn points faster
  • Subject to approval. The preferred rate for purchases is 21.99% and funds advances is 21.99%. If you have Missed Payments, the applicable rates for your account will be 25.99% and/or 29.99%. See the information box included with the application for the definition of Missed Payment and which rates apply to charges on your account and other details.

Apply with confidence!

  • See if you’ll be approved before you apply – with no impact to your credit score.*
  • When applying for a new card, businesses will typically run a “hard check” of your credit report. A hard credit check can cause a temporary impact to your credit score.
  • Unlike many lenders, for American Express’ personal cards, you can see if you will be approved before you apply without impacting your credit score
  • A soft credit check is a check into your credit report initiated either by you or a company even if you didn’t apply for credit. It is primarily used to screen for pre-approval financing offers or for a background check
  • Available for American Express personal cards, we’ll let you know your eligibility with no impact to your credit score, so you can submit your application with confidence.*

*Instant decisions are only available for Consumer (also known as Personal) Card applications.

Legal

American Express is not responsible for maintaining or controlling the accuracy of the information published on this website. For full and up-to-date product information, click on the Apply now link. Terms and conditions apply.

Annual Fee
  • Primary card $250
  • 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
  • Groceries2Membership Rewards
  • Gas2Membership Rewards
  • Drugstores2Membership Rewards
Value
  • Year 1 $1,609
  • Year 2+ $589
Best For
Transfer Partners
  • AeroplanAsia MilesBritish Airways ClubEtihad GuestFlying BlueHilton HonorsMarriott 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
$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
$1,500
Trip Interruption Insurance
$1,500
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
WestJet RBC World Elite Business Mastercard
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.

Legal

* 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 %
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.

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

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.
  • Travel when it suits you - your Aventura points never expire
  • Redeem your Aventura points for more than just travel with our Shop with Points and 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

Get all the essentials for student life on a budget Qualifying students can get free SPC+ registration, plus 450 deals on everyday purchases, deeper discounts, special experiences and exclusive gifts. Start banking with CIBC and make student life more rewarding.† Start banking with CIBC and make student life more rewarding.

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 for Students 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.

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 $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
  • 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

Get up to 60,000 Aviosˆ with the RBC® British Airways Visa Infinite Card

Receive up to 60,000 Aviosˆ, here’s how:

  • Collect a 30,000 Avios Welcome Bonus when you spend $5,000 CAD in the first three months of account opening.
  • Collect a further 30,000 bonus Avios when you spend $5,000 CAD in months 4-6 of account opening.
  • If you do not meet the $5,000 CAD spend in the first three months, you can still collect 30,000 bonus Avios if you meet the spend requirement in months 4-6.

Benefits:

  • Earn 3 Avios for every $1 CAD spent on British Airways and BA Holidays*
  • Earn 2 Avios for every $1 CAD spent on qualifying dining spend*
  • Earn 1 Avios for every $1 CAD spent on qualifying net purchases*
  • Earn a companion voucher when you spend $30,000 CAD annually You can either take a companion with you or fly solo instead for a 50% Avios discount on the cost of one reward seat ticket. Plus, you'll have the flexibility to pay a lower, flat fee to cover taxes, fees and carrier charges and a fixed Avios amount when you make a Reward Flight booking.˜
  • 10% off British Airways flights when you book and pay with your card∞
  • Redeem for travel on British Airways and one world partner airlines**
  • Comprehensive Insurances including 31–day out of country/province emergency medical insurance1, flight delay insurance2, hotel burglary3 and rental car4 insurance. Even eligible purchases you make with the card are protected3.
  • Premium5 Visa Infinite benefits, such as no-wait service for events, as well as restaurant and hotel privileges through www.visainfinite.ca
  • Complimentary 24/7 Concierge Service5
  • Link your RBC card to your Petro-Points card and instantly save per liter on fuel at Petro-Canada stations, plus always earn 20% more Petro-Points and 20% more Avion Rewards points.
  • Link your RBC British Airways Visa Infinite 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
  • Add your eligible RBC credit card to your DoorDash account to: Get a free 12-month subscription to DashPass±, a value of up to $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 a RBC British Airways Visa Infinite credit card received and approved by Royal Bank of Canada (“Royal Bank”) between July 23, 2025 and February 25, 2026 (“Offer Period”), subject to the conditions below. Additional cardholders(s) (co-applicant and authorized user(s)) on the RBC British Airways Visa Infinite credit card account are not eligible for this offer. Existing cardholders on any RBC Royal Bank personal credit card account transferring to a RBC British Airways Visa Infinite credit card, are not eligible for the offer.

To receive the initial offer of 30,000 Avios points (“Initial Bonus”), (i) a total of $5,000 or more (“Qualifying Transaction Amount”) in qualifying net purchases and/or pre-authorized bill payment transactions (“Qualifying Transactions”) must be posted to your Credit Card Account within the first 90 days of your Credit Card Account opening date (“Initial Period”), and (ii) your Credit Card must remain open and in good standing, “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 at that time. If you are not currently a member of The British Airways Club, you will be enrolled automatically once you are approved for the RBC British Airways Visa Infinite credit card. Please note that the address your British Airways Club account is registered under must match the one for your RBC British Airways Visa Infinite account at all times for the Avios to be posted to your British Airways Club account. The Initial Bonus will be awarded to your British Airways Club account, approximately 15 weeks after the date you reach $5,000 in Qualifying Transactions within the Initial Period.

To receive the additional 30,000 Avios points (“Additional Bonus”), (i) a separate amount totaling $5,000 or more (“Qualifying Transaction Amount”) in qualifying net purchases and/or pre-authorized bill payment transactions (“Qualifying Transactions”) must be posted to your Credit Card Account within 91 – 180 days of your Credit Card Account opening date (“Subsequent Period”), and (ii) your Credit Card must remain open and in good standing at the time the Additional Bonus are awarded to your British Airways Club account, approximately 15 weeks after the date you reach $5,000 in Subsequent Qualifying Transactions.

For greater certainty, you may qualify for the Additional Bonus notwithstanding not having qualified for the Initial Bonus and likewise, you may qualify for the Initial Bonus and not qualify for the Additional Bonus where the Qualifying Transaction Amount has not been reached.

Eligible transactions do not include cash advances (i.e. balance transfers, cash-like transactions and bill payments that are not pre-authorized merchant payments), interest or other charges. 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.

If you close or change your RBC British Airways Visa Infinite credit card for another type of RBC Royal Bank credit card before the Initial Bonus and/or the Additional Bonus have been credited to your British Airways Club account, you may lose the benefit of this offer. This offer may not be combined or used in conjunction with any other offer unless otherwise set out. Royal Bank of Canada and British Airways reserve the right to modify, cancel or withdraw this offer at any time. British Airways, not Royal Bank of Canada, is responsible for this offer and The British Airways Club programme. For all British Airways Club Terms and Conditions, please visit ba.com/theclub.

Eligible members who spend a minimum of $30,000 CAD on qualifying purchases on their card in a calendar year (“calendar year” refers to the time period starting from January 1 and ending December 31) will receive a maximum of one Companion Voucher for that calendar year. See ba.com/rbc-visa for full terms and conditions. See ba.com/rbc-visa for full terms and conditions.

Annual Fee
  • Primary card $165
  • Additional card $75
Annual Income Required
  • Individual $60,000
  • Household $100,000
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 20.50 %
  • Cash Advance Rates 22.99 %
    21.99 % (QC)
  • Balance Transfer Rates 22.99 %
    21.99 % (QC)
Earning Rate
  • Groceries2Avios
  • Dining and Food delivery2Avios
  • All Spending1Avios
Value
  • Year 1 $1,093
  • Year 2+ $243
Best For
Transfer Partners
  • British Airways Club

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
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
  • No Foreign Transaction Fee
  • Premium Insurance
  • 10 free access to VIP lounges
Learn More
  • Earn up to $2,500* in value in the first 14 months, including up to 80,000 bonus Scene+ points.
  • Earn 2X the Scene+ points for every $1 in eligible purchases at grocery stores, restaurants, and entertainment.
  • Earn 2X the Scene+ points for every $1 of eligible gas and public transit purchases. Includes bus, metro, taxis, ridesharing and more.
  • Earn 2X Scene+ points for every $1 spent on all your other purchases.
  • Earn additional benefits + up to 4X Scene+ points for every dollar you spend on hotel bookings, car rentals, and things to do with Scene+ Travel, Powered by Expedia
  • You will not pay 2.5% foreign transaction fees on any foreign currency purchases, including online shopping and when travelling abroad. Only the exchange rate applies.
  • Enjoy 10 free airport lounge visits per year.
Legal

*Conditions apply. Rates, fees and other information are effective as of October 31, 2025. Subject to change.

Annual Fee
  • Primary card $399
  • Additional card $99
Annual Income Required
  • Individual $12,000
  • Household $12,000
Conversion fees
  • 0.00 %
Interest Rates
  • Purchase Rates 9.99 %
  • Cash Advance Rates 9.99 %
  • Balance Transfer Rates 9.99 %
Earning Rate
  • All Spending2Scene+ points
  • Groceries2Scene+ points
  • Gas2Scene+ points
Value
  • Year 1 $1,281
  • Year 2+ $481
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
$2,000,000
31 day(s)
Travel medical insurance up to 64 years old
$2,000,000
31 day(s)
Travel medical insurance 65+
$2,000,000
10 day(s)
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
$65,000
48 day(s)
Hotel/Motel Burglary Insurance
$1,000
Carte Visa Affaires Home Hardware PRO Scotia
Business Card
Learn More

Receive up to 7,500 bonus Scene+ points for the first three months (up to $75 in rewards).

  • Earn Scene+ points at Home Hardware and redeem with any Scene+ rewards partner.
  • Earn 1 Scene+ point for every $1 spent on your card for eligible business purchases at Home Hardware.
  • Redeem your Scene+ points on what you want for your business – business travel, office improvements, entertainment, groceries, gift cards from 60+ brands, tech, and even account credits.
  • Use at any retailer where Visa is accepted.
  • Manage your cash flow with a 21-Day interest free grace period on new purchases.

Visa* SavingsEdge

One great program – two paths to savings on your everyday business purchases with Visa SavingsEdge:

  • Everyday Savings Offers: automatically available after you enroll, requiring no coupons or codes and are applied as statement credits on enrolled Visa Business cardholder’s future account statements.
  • Instant Savings Offers: savings applied to your cart using a promotion code prior to making a qualifying purchase on a participating merchant’s website.

It’s free to join. Visit Visa SavingsEdge to enroll your eligible business and learn more.

Save on car rentals

  • As a Scotia Home Hardware PRO Visa Business cardholder, you can save up to 25% off base rates at participating AVIS locations Worldwide and at participating Budget locations in Canada and the U.S. when you pay with your Scotia Home Hardware PRO Visa Business card.

Save time at the checkout

  • Tap your Scotia Home Hardware PRO Visa Business Card or your mobile wallet for quick easy payments.
  • Visa payWave* – Save time when paying for small, everyday purchases with Visa payWave. Simply wave your card over the card reader and go!
  • Click to Pay – Paying online with your Visa card is easy, smart, and secure. Just click to pay with your Visa when you see the Click to Pay icon where your Scotiabank card is accepted.
  • Also, use your phone to make on-the-go payments with: Google Pay, Samsung Pay, Apple Pay.

Insurance Coverage

  • Purchase Security Extended Warranty Protection
  • Optional Scotia Business Loan Protection Insurance
Legal

*Conditions apply. Rates, fees and other information are effective as of October 31, 2025. Subject to change.

Annual Fee
  • Primary card $0
  • Additional card $0
Annual Income Required
  • Individual
  • Household
Conversion fees
  • %
Interest Rates
  • Purchase Rates
  • Cash Advance Rates
  • Balance Transfer Rates
Earning Rate
  • All SpendingScene+ Point
  • GroceriesScene+ Point
  • GasScene+ Point
Value
  • Year 1
  • Year 2+
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

Get up to 55,000 Avion points1 (max travel value of $1,100), that’s up to 3 round trip flights ^.

Get 35,000 Welcome Points on approval and 20,000 bonus points when you spend $5,000 in your first 6 months1. Apply by June 15, 2026.

  • Earn 1 Avion point for every dollar spent on purchases
  • No blackout periods or seat restrictions – ever!
Legal

**Visit the RBC page for the latest offer terms and coniditons

 

Annual Fee
  • Primary card $120
  • 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
  • All Spending1Avion Point
  • Groceries1Avion Point
  • Gas1Avion Point
Value
  • Year 1 $1,144
  • Year 2+ $264
Best For
Transfer Partners
  • AAdvantageAsia MilesBritish Airways 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
Travel medical insurance up to 64 years old
Travel medical insurance 65+
Trip Cancellation Insurance
$1,000
Trip Interruption Insurance
$2,500
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
  • Earn Asia Miles on your purchases
  • Accepted at Costco
  • 15% discount on Cathay Pacific flights
Learn More

The Cathay World Elite Mastercard – powered by Neo is not available in Quebec.

Welcome Offer

  • Earn up to 60,000 Asia Miles as a welcome bonus: 35,000 Asia Miles on approval and 25,000 Asia Miles after $5,000 in purchases in 3 months
  • 15% discount on Cathay Pacific flights with promotional code

Features of the Cathay World Elite Mastercard – powered by Neo:

  • 2 Asia Miles for every $1 spent on purchases made in foreign currencies
  • 4 Asia Miles per dollar on Cathay Pacific purchases
  • 5 Asia Miles per dollar on average at thousands of Neo partners across the country
  • 1 Asia Mile per dollar on purchases made in Canada
  • Enjoy exclusive member benefits: priority check-in, free extra baggage and access to Cathay Pacific lounges
  • Benefit from comprehensive insurance covering medical emergencies, cancellations and lost baggage
  • Access over 1,300 airport lounges worldwide with DragonPass
  • Avoid queues with Mastercard's Fast Track service at security checkpoints
Annual Fee
  • Primary card $180
  • Additional card
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 %
Earning Rate
  • All Spending1miles
  • Groceries1miles
  • Gas1miles
Value
  • Year 1 $930
  • Year 2+ $180
Best For
Transfer Partners
  • Asia Miles

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
$1,000,000
14 day(s)
Travel medical insurance up to 64 years old
Travel medical insurance 65+
Trip Cancellation Insurance
$1,000
Trip Interruption Insurance
$1,000
Common Carrier Travel Accident Insurance
$100,000
Flight Delay Insurance
$250
Delayed Baggage Insurance
$1,000
Lost/Stolen Baggage Insurance
Auto Rental Loss/Insurance
$65,000
48 day(s)
Hotel/Motel Burglary Insurance
$1,000

Receive our newsletter every week!

Savings are here (if you don’t see the sign-up form, please click here):

Milesopedia