Aeroplan (Registered Trademark) Card

Aeroplan ® Card

70K bonus points 70K bonus points

3X points at grocery stores 3X points at grocery stores

1X points on all other purchases 1X points on all other purchases

New cardmember offer

Earn 70,000 bonus points.

Earn 70,000 bonus points after you spend $3,000 on purchases in the first 3 months your account is open. * Opens offer details overlay That's enough to fly to another continent.

At a glance

Earn points fast with aeroplan..

3X points at grocery stores, on dining including take out and eligible delivery services and on purchases made directly with Air Canada. * Opens offer details overlay Plus, enjoy free first checked bag and other Aeroplan travel benefits. * Opens offer details overlay

Interest Rate

--> 21.74 Min. of (8.50+13.24) and 29.99 %– 28.74 Min. of (8.50+20.24) and 29.99 % variable APR. † Opens pricing and terms in new window

--> $95 † Opens pricing and terms in new window

Travel Credit Card Rewards & Benefits

New cardmember offer.

This product is available to you if you do not have this credit card and have not received a new Cardmember bonus for this credit card in the past 24 months.

Earn Rewards

Points add up fast.

3x points for each dollar spent at grocery stores. * Opens offer details overlay

3x points for each dollar spent on dining at restaurants including takeout and eligible delivery services. * Opens offer details overlay

3x points for each dollar spent with Air Canada directly. * Opens offer details overlay

1x points for each dollar spent on all other purchases. * Opens offer details overlay

500 bonus points for every $2,000 you spend in a calendar month - up to 1,500 points per month. * Opens offer details overlay

And points do not expire as long as your Aeroplan Credit Card account is open. * Opens offer details overlay

Aeroplan perks

Elevate your travel with aeroplan elite status.

New Cardmember 25K Status New cardmembers will automatically receive Aeroplan 25K Status for the remainder of the calendar year, plus the following calendar year. * Opens offer details overlay Enjoy benefits such as Priority Airport Services and upgrades to premium cabins on Air Canada operated flights. Keep your Aeroplan 25K Status with $15,000 in account spend during a calendar year. * Opens offer details overlay

Elite Status Level up

Earn an Elite Status Level Up of one tier to 35K Status or higher for existing status holders with $50,000 in account spend during a calendar year. * Opens offer details overlay

Free Checked Bags

Free first checked bags.

Cardmembers and travel companions (up to eight) traveling on the same reservation will all enjoy free first checked bags (up to 50lb) when travel originates on an Air Canada flight. * Opens offer details overlay

Pay Yourself Back

Redeem points for a statement credit to cover travel purchases made with your Card, such as hotels, car rentals, ride-shares, flights, and more. You can also redeem points for a statement credit to cover your Annual Fee. There is no limit to the amount of points you can redeem through December 31, 2024. Each point is worth 1.25 cents which means you can get a $875 statement credit for 70,000 points redeemed. * Opens offer details overlay

No foreign transaction fees

You will pay no foreign transaction fees when you use your card for purchases made outside the United States. † Opens pricing and terms in new window For example, if you spend $5,000 internationally, you would avoid $150 in foreign transaction fees.

Explore Additional Card Rewards and Benefits

Redeeming aeroplan points opens drawer that reveals additional content.

The Rewards you want for travel and beyond

Redeem your points for flight rewards with Air Canada and Aeroplan's 45+ partner airlines to more than 1,300 destinations worldwide. * Opens offer details overlay

  • Whether it's a quick jaunt or the trip of a lifetime, Aeroplan makes it easier to take the trip you want
  • Redeem for every seat, on every Air Canada flight, no restrictions.
  • No cash surcharges on flight rewards with Air Canada
  • Redemptions start at 6,000 points * Opens offer details overlay
  • Add a stopover on international trips for just 5,000 points

Pay Yourself Back ®

Redeem for hotels, car rentals and more..

Aeroplan points can get you a whole range of great benefits beyond flights. You can redeem points for hotels (over 300,000 worldwide), car rentals (over 11,000 worldwide), Air Canada Vacation packages, gift cards, and much more.

Travel Benefits Opens drawer that reveals additional content

Count on a premium suite of travel benefits

Prefer price icon

Preferred Pricing

Receive access to preferred pricing on flight rewards. As the Primary Cardmember, you can often book flight rewards for even fewer points. * Opens offer details overlay

Global entry icon

Global Entry or TSA PreCheck ® or NEXUS Fee Credit

Receive a statement credit of up to $100 every 4 years as a reimbursement for the application fee charged to your Aeroplan Card. * Opens offer details overlay

Concierge icon

Mastercard 24/7 Concierge

Need to locate hard to find items or even reserve that perfect table? Our concierge is there to help. To contact the concierge, call the number on the back of your card. * Opens offer details overlay

10% bonus on Ultimate Rewards ® points transfers

Chase Aeroplan credit cardmembers, get a 10% transfer bonus after transferring 50,000 or more Ultimate Rewards points in a single transaction from an eligible Chase credit card to their Aeroplan account. Maximum of 25,000 Aeroplan bonus points per calendar year. * Opens offer details overlay

Travel & purchase coverage Opens drawer that reveals additional content

You're covered with built-in benefits

Trip Cancellation/Trip Interruption Insurance

You can be reimbursed up to $1,500 per person and $6,000 per trip for your pre-paid, non-refundable passenger fares, if your trip is canceled or cut short by sickness, severe weather and other covered situations. ** Same page link to disclaimer

Baggage Delay Insurance

Reimburses you for essential purchases like toiletries and clothing for baggage delays over 6 hours by passenger carrier up to $100 a day for 3 days. ** Same page link to disclaimer

Zero Liability Protection

You won't be held responsible for unauthorized charges made with your card. * Opens offer details overlay

24/7 Fraud Monitoring

We help safeguard your credit card purchases using sophisticated fraud monitoring. We monitor for fraud 24/7 and can text, email or call you if there are unusual purchases on your credit card. * Opens offer details overlay

Trip Delay Reimbursement

If your common carrier travel is delayed more than 12 hours or requires an overnight stay, you and your family are covered for unreimbursed expenses, such as meals and lodging, up to $500 per ticket. ** Same page link to disclaimer

Auto Rental Collision Damage Waiver

Decline the rental company's collision insurance and charge the entire rental cost to your card. Coverage is provided for theft and collision damage for most cars in the U.S. and abroad. In the U.S., coverage is secondary to your personal insurance. ** Same page link to disclaimer

Roadside Assistance

If you have a roadside emergency, call the Benefit Administrator to dispatch the help you need. Roadside service fees will be billed to your card. ** Same page link to disclaimer

Purchase Protection

Covers your new purchases for 120 days against damage or theft up to $500 per claim and $50,000 per account. ** Same page link to disclaimer

** Same page link to disclaimer reference These benefits are available when you use your card. Restrictions, limitations and exclusions apply. Most benefits are underwritten by unaffiliated insurance companies who are solely responsible for the administration and claims. There are specific time limits and documentation requirements. Once your account is opened we will send you a Guide to Benefits, which includes a full explanation of coverages.

Credit Journey Opens drawer that reveals additional content

Credit Journey ® is so much more than a credit score. We provide you with resources to help you build and monitor your credit and credit score to improve your credit. You can access your regularly updated score for free anytime with no impact. Credit Journey ® also has other tools like our score improvement feature which can provide you with a personalized action plan, provided by Experian ™ , to help improve your credit score. You can review your score and the factors that change it, giving you a breakdown of what may have caused your score to change. With credit and identity monitoring, you receive alerts if changes to your accounts are seen and if your personal info is found in a data breach or on the dark web. We're here for you around the clock if you ever need support.

Contactless - Just Tap To Pay Opens drawer that reveals additional content

For fast, easy and secure checkout simply tap to pay where you see the Contactless symbol. For more information, please see www.chase.com/contactless Opens in a new window .

Merchant offers Opens drawer that reveals additional content

Get one-year complimentary DashPass, a membership for both DoorDash and Caviar that provides unlimited deliveries with $0 delivery fees and lower service fees on eligible orders. After that, you are automatically enrolled in DashPass at the current monthly rate. Activate by 12/31/24. * Opens offer details overlay

Chase Pay Over Time SM Opens drawer that reveals additional content

Chase Pay Over Time * Opens offer details overlay lets eligible Chase customers break up credit card purchases into budget friendly payments. There are two potential ways to pay over time:

After purchase: Pay off an eligible purchase you've already made of $100 or more * Opens offer details overlay in smaller, equal monthly payments. No Interest- just a fixed monthly fee † Opens pricing and terms in new window with plan durations that range from 3-24 months. Start a plan by selecting an eligible purchase with the "Pay Over Time" option next to the transaction amount in your credit card activity.

At checkout: Chase Credit card members may have the option to create a payment plan at checkout on Amazon.com. Orders totaling $50 or more * Opens offer details overlay using your eligible Chase credit card at Amazon.com could be eligible for Chase Pay Over Time. You will be able to view Chase Pay Over Time plan options (including the fixed APR and durations) at checkout.

Keep in mind: Even though you may have an eligible card, access to Chase Pay Over Time is not guaranteed. Your ability to create a Chase Pay Over Time plan is based on a variety of factors, such as your creditworthiness, credit limit and account behavior, and may change from time to time.

For more information on Chase Pay Over Time features, please visit chase.com/chasepayovertime Opens in a new window .

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Offer details, offers may vary depending on where you apply, for example online or in a branch, and can change over time. to take advantage of this particular offer now, apply through the method provided in this advertisement. review offer details before you apply..

70,000 Bonus Points After You Spend $3,000 On Purchases In The First 3 Months From Account Opening This product is not available to either (i) current cardmembers of the Chase Aeroplan Card, or (ii) previous cardmembers of the Chase Aeroplan Card who received a new cardmember bonus for this card within the last 24 months. To qualify and receive your bonus, you must make Purchases totaling $3,000 or more during the first 3 months from account opening. (“Purchases” do not include balance transfers, cash advances, travelers checks, foreign currency, money orders, wire transfers or similar cash-like transactions, lottery tickets, casino gaming chips, race track wagers or similar betting transactions, any checks that access your account, interest, unauthorized or fraudulent charges, and fees of any kind, including an annual fee, if applicable.) After qualifying, please allow 6 to 8 weeks for bonus points to post to your account. To be eligible for this bonus offer, account must be open and not in default at the time of fulfillment.

Earning Points

Rewards Program Agreement: For more information about the Chase Aeroplan card rewards program, view the latest Rewards Program Agreement (PDF) Opens in a new window . We will mail your Rewards Program Agreement once your card account is established. If you become a Chase Online customer, your Rewards Program Agreement will also be available after logging in to chase.com Opens in a new window . How you can earn points: You’ll earn points on purchases of products and services, minus returns or refunds, made with a Chase Aeroplan Card by you or an authorized user of the account. Buying products and services with your card, in most cases, will count as a purchase; however, the following types of transactions won’t count and won’t earn points: balance transfers, cash advances and other cash-like transactions, lottery tickets, casino gaming chips, race track wagers or similar betting transactions, any checks that access your account, interest, unauthorized or fraudulent charges, and fees of any kind, including an annual fee, if applicable. 3 points ("3X points"): You’ll earn 3 points for each $1 spent on purchases made with Air Canada ® directly. Purchases of gift cards; car rentals, hotel bookings, and other third-party partner products and services that can be purchased through aircanada.com ; and onboard Wi-Fi are excluded. Air Canada tickets purchased through travel agencies, discount travel sites, vacation clubs, tour operators, or tickets booked as part of a travel package offered by non-airline merchants will not qualify. 3 points ("3X points"): You’ll earn 3 points for each $1 spent on purchases made in any of the following rewards categories: grocery stores; dining at restaurants including takeout and eligible delivery services. 1 point ("1X points"): You’ll earn 1 point for each $1 spent on all other purchases. Information about earning/transferring points to Aeroplan: Points will be automatically transferred to Aeroplan after the end of each billing cycle. Points expiration: The points transferred to your Aeroplan Program account won’t expire as long as your card account is open. If your card account is closed, the expiration of points earned in this program that are transferred to your Aeroplan Program account will be governed by the Aeroplan Program General Terms and Conditions , available on Air Canada’s website. Losing points: You’ll immediately lose all points that haven’t been transferred to Aeroplan if your card account status changes, or your card account is closed for program misuse, fraudulent activities, failure to pay, bankruptcy, or other reasons described in the terms of the Rewards Program Agreement. Rewards Categories: Merchants who accept Visa/Mastercard credit cards are assigned a merchant code, which is determined by the merchant or its processor in accordance with Visa/Mastercard procedures based on the kinds of products and services they primarily sell. We group similar merchant codes into categories for purposes of making rewards offers to you. Please note: We make every effort to include all relevant merchant codes in our rewards categories. However, even though a merchant or some of the items that it sells may appear to fit within a rewards category, the merchant may not have a merchant code in that category. When this occurs, purchases with that merchant won’t qualify for rewards offers on purchases in that category. Purchases submitted by you, an authorized user, or the merchant through third-party payment accounts, mobile or wireless card readers, online or mobile digital wallets, or similar technology will not qualify in a rewards category if the technology is not set up to process the purchase in that rewards category. For more information about Chase rewards categories, see chase.com/RewardsCategoryFAQs Opens in a new window .

500 Monthly Bonus Points

You, as the primary cardmember, will earn 500 bonus points for each $2,000 spent each calendar month on up to $6,000 in purchases (for a possible total of 1,500 bonus points each calendar month). Purchases are when you, or an authorized user, use a card to make purchases of products and services. Buying products and services with your card, in most cases, will count as a purchase; however, the following types of transactions won’t count: balance transfers, cash advances, travelers checks, foreign currency, money orders, wire transfers or similar cash-like transactions, lottery tickets, casino gaming chips, race track wagers or similar betting transactions, any checks that access your account, interest, unauthorized or fraudulent charges, and fees of any kind, including an annual fee, if applicable. Please allow up to 8 weeks after qualifying purchases post to your account for bonus points to post to your Aeroplan account. To receive bonus points, your credit card account must be open and not in default at the time of fulfillment. Bonus points will be credited to the calendar month in which the qualifying transaction posts to your credit card account. Delays by a merchant, such as for shipping, could extend a transaction date into the next calendar month.

Aeroplan 25K Status for New Cardmembers

You, as the primary cardmember, will receive Aeroplan 25K Status for the calendar year in which your Chase Aeroplan Card account is opened and for the following calendar year. If you have earned a higher status by other means (in accordance with Air Canada’s Aeroplan Elite Status Terms and Conditions), you will retain the higher status. Aeroplan 25K Status and access to all associated features, benefits, services and amenities are subject to the Terms and Conditions of the Aeroplan Elite Status program and are available at aircanada.com/elite-termsandconditions . Aeroplan 25K Status is non transferrable. Your Chase Aeroplan Card account must be linked to your Aeroplan number and must be open and not in default to receive and retain Aeroplan 25K Status. Chase is not responsible for the provision of, or failure to provide, the stated benefits.

Maintain or Qualify for Aeroplan Elite 25K Status

Each calendar year in which you spend at least $15,000 in purchases you, as the primary cardmember, will earn Aeroplan 25K Status through the following calendar year. Purchases are when you, or an authorized user, use the card to make purchases of products and services, minus returns or refunds. Buying products and services with your Chase Aeroplan Card, in most cases, will count as a purchase; however, the following types of transactions won’t count: balance transfers, cash advances, travelers checks, foreign currency, money orders, wire transfers or similar cash-like transactions, lottery tickets, casino gaming chips, race track wagers or similar betting transactions, any checks that access your Chase Aeroplan Card account, interest, unauthorized or fraudulent charges, and fees of any kind, including an annual fee, if applicable. On January 1 of each calendar year, the calculation resets to zero and you must qualify again in the next calendar year. Purchases made towards the end of a calendar year may not be posted to your Chase Aeroplan Card account until the next calendar year and will therefore be included in the calculation for that year. Please allow six (6) to eight (8) weeks after qualifying for Aeroplan 25K Status to be applied to your Aeroplan account. If you earned a higher status by other means (in accordance with Air Canada’s Aeroplan Elite Status Terms and Conditions) you will retain the higher status. Aeroplan 25K Status and access to all associated features, benefits, services and amenities are subject to the Terms and Conditions of the Aeroplan Elite Status program and are available at aircanada.com/elite-termsandconditions . Aeroplan 25K Status is non transferrable. Your Chase Aeroplan Card account must be linked to your Aeroplan number and must be open and not in default to receive and retain Aeroplan 25K Status. Chase is not responsible for the provision of, or failure to provide, the stated benefits.

Aeroplan Elite Status Level Up to Aeroplan 35K Status or higher

Each calendar year you spend at least $50,000 in purchases, you, as the primary cardmember, will earn an Aeroplan Elite Status Level Up benefit consisting of a one-level increase of your status for the next calendar year. For example, if during a calendar year you spend $50,000 in purchases and have otherwise earned Aeroplan 25K Status for the next calendar year, your status will increase from Aeroplan 25K to 35K Status for the duration of the next calendar year and will drop down to your otherwise earned Aeroplan Status at the beginning of the calendar year after that, unless you earn a higher status or another Aeroplan Elite Status Level Up benefit. Your status can only be increased through this benefit once per calendar year. The benefit always applies to the status you otherwise earn and is not cumulative year to year. This means if you earn the benefit in consecutive years, and otherwise qualify for Aeroplan 25K Status in both years, that this benefit will increase your status to Aeroplan 35K Status in both years; the second increase will not build from the previous year’s increased level of Aeroplan 35K Status and increase your status level to Aeroplan 50K Status. If you earned the highest Aeroplan status level, Aeroplan Super Elite Status, for the next calendar year in accordance with Air Canada’s Aeroplan Elite Status Terms and Conditions, and also spend $50,000 with the Chase Aeroplan Card, instead of an Aeroplan Elite Status Level Up benefit you will receive one (1) Aeroplan 50K Status to gift to another Aeroplan member for the next calendar year. More details about qualifying for Aeroplan Elite Status can be found at aircanada.com/elitequalification . Purchases are when you, or an authorized user, use a card to make purchases of products and services, minus returns or refunds. Buying products and services with your Chase Aeroplan Card, in most cases, will count as a purchase; however, the following types of transactions won’t count: balance transfers, cash advances, travelers checks, foreign currency, money orders, wire transfers or similar cash-like transactions, lottery tickets, casino gaming chips, race track wagers or similar betting transactions, any checks that access your Chase Aeroplan Card account, interest, unauthorized or fraudulent charges, and fees of any kind, including an annual fee, if applicable. On January 1 of each calendar year, the calculation resets to zero and you must qualify again in the next calendar year. Purchases made towards the end of a calendar year may not be posted to your Chase Aeroplan Card account until the next calendar year and will therefore be included in the calculation for that calendar year. Aeroplan Elite Status and access to all associated features, benefits, services, and amenities are subject to the Terms and Conditions of the Aeroplan Elite Status program and are available at aircanada.com/elite-termsandconditions . Aeroplan Elite Status is non transferrable. Your Chase Aeroplan Card account must be linked to your Aeroplan number and must be active and not in default to receive and retain Aeroplan Elite Status. Chase is not responsible for the provision of, or failure to provide, the stated benefits.

You, as the primary cardmember, and up to eight (8) other passengers traveling on the same reservation (up to a maximum of nine (9) travelers), are each entitled to a free first checked bag up to 50lb. Benefit only applies when checking in with Air Canada, for a flight operated by Air Canada, Air Canada Rouge or under the Air Canada Express brand. Benefit is not available if check-in is with another airline. If the first checked bag is already complimentary (for example, as a result of Aeroplan Elite Status or fare purchased), there is no additional checked bag benefit that will be provided. Free first checked bag benefit may not be applied retroactively, and no refunds will be issued. Service charges for additional/oversized/overweight baggage may apply. Chase is not responsible for the provision of, or failure to provide, the stated benefits. For more information on baggage restrictions, please visit aircanada.com/baggage .

Use Aeroplan ® Points With Pay Yourself Back ®

Aeroplan points may be redeemed for a statement credit using Pay Yourself Back for purchases in the travel category made with your Chase Aeroplan Card or against the prior payment of your annual fee within 90 days from the redemption date through December 31, 2024. For information about Chase rewards categories, see chase.com/RewardsCategoryFAQs Opens in a new window . Categories may change from time to time without notice. Each point you redeem for a statement credit towards qualifying purchases with Pay Yourself Back is worth $.0125 (one and a quarter cents), which means that 100 points equals $1.25 in redemption value. Chase has the right to change redemption values at any time. Statement credits will appear on your credit card billing statement within 1-2 billing cycles. Statement credits will reduce your balance but you are still required to make at least your minimum monthly payment. Chase reserves the right to determine which purchases qualify for a statement credit. Only Aeroplan Points earned under the Aeroplan Program, the Chase Aeroplan Card, and Chase Ultimate Rewards ® can be used for Chase Pay Yourself Back. Points converted from other programs are not eligible.

Over 1,300 Destinations

Number of destinations based on the published route network of Air Canada and its airline partners.

Flight Redemption

For flight rewards comprising travel with a partner airline, a partner booking fee will apply. Aeroplan points required for partner airline flight rewards are based on the actual distance flown between origin and destination. Taxes and third-party charges may apply. For full details please visit Aeroplan Program General Terms and Conditions .

You, as the primary cardmember will often require fewer Aeroplan points to redeem for flight rewards through the Aeroplan program than Aeroplan Members who do not hold an Aeroplan co-branded Credit Card. Preferred pricing for flight rewards applies only to flight rewards with Air Canada, not on other airlines. Chase is not responsible for the provision of, or failure to provide the stated benefits. Visit aircanada.com/aeroplan for full details. Feature may be changed, withdrawn or extended at any time and cannot be combined with any other offer.

Global Entry or TSA PreCheck ® or NEXUS Application Fee Statement Credit

You will receive one statement credit (up to $100) every four years after the first program (either Global Entry or TSA PreCheck ® or NEXUS) application fee is charged to your Chase Aeroplan Card, by you or an authorized user. This benefit applies only to the Global Entry, TSA PreCheck ® or NEXUS programs, other Trusted Traveler programs are not eligible. The statement credit will appear on your credit card billing statement within 1-2 billing cycles. You are responsible for payment of all charges until the statement credit posts to the account. Chase has no control or liability regarding these programs including, but not limited to, applications, approval process or enrollment, or fees charged by CBP or TSA or DHS. For more information about the Global Entry, TSA PreCheck ® and NEXUS programs, including application details and full terms and conditions, go to https://ttp.cbp.dhs.gov/ . Websites and other information provided by government agencies are not within Chase's control and may not be available in Spanish. To receive statement credits, your account must be open and not in default at the time of fulfillment. TSA PreCheck ® is a registered trademark and is used with the permission of the U.S. Department of Homeland Security.

Concierge Service

Cardmembers are responsible for the cost of any goods or services purchased through World Mastercard Concierge.

Aeroplan Cardmember 10% Bonus on Chase Ultimate Rewards Point Transfers

If you, as the primary cardmember, also have an eligible Chase credit card with Ultimate Rewards ® , you will be eligible to receive a 10% bonus after you transfer 50,000 or more Ultimate Rewards points in a single transaction to Aeroplan. Maximum of 25,000 bonus points per calendar year. Bonus points will be awarded by Aeroplan and will post in your Aeroplan account within 7 days after your transfer is complete. Ultimate Rewards transfers into an authorized user’s Aeroplan account or any Aeroplan account other than the primary cardmember’s, will not be eligible for the 10% bonus. Your Chase Aeroplan Card account must be linked to your Aeroplan number and must be active and not in default at the time the bonus points are credited to receive the bonus points. Chase is not responsible for the provision of, or failure to provide, the stated benefits.

Zero Liability

Zero Liability Protection does not apply to use of an account by an authorized user without the approval of the primary cardmember. If you think someone used your account without permission, tell us immediately by calling the Cardmember Services number on your card or billing statement.

Account Alerts

Delivery of alerts may be delayed for various reasons including technology failures and capacity limitations. There is no charge from Chase, but message and data rates may apply.

Complimentary DashPass

When the membership is activated for the first time with a Chase Aeroplan ® Card by 12/31/2024 you and your authorized user(s) will receive 12 months of complimentary DashPass for use on both the DoorDash and Caviar applications during the same membership period based on the first activation date. After the complimentary DashPass membership period ends, you and any authorized users will continue to be enrolled and charged the then current monthly DashPass rate for each membership activated. You can cancel anytime on DoorDash or Caviar. Membership period for all users on this credit card account will begin and end based on when the first user activates the membership on DoorDash or Caviar, regardless of when subsequent memberships are activated. The same log in credentials must be used on DoorDash and Caviar in order for the DashPass benefit to be used on both applications. To receive the membership benefits, the primary cardmember and authorized user(s) must first add their applicable Chase credit card as a default payment method on DoorDash or Caviar, and then click the activation button. Once enrolled in DashPass, you must use your Chase Aeroplan ® Card for payment at checkout for DashPass-eligible orders to receive DashPass benefits. Benefits of DashPass include no delivery fee on orders above the minimum subtotal (as stated in the DoorDash and Caviar apps and sites) from DashPass-eligible merchants (amounts subject to change). However, other fees (including service fee), taxes, and gratuity on orders may apply. Current value of the DashPass membership is as of 04/01/2022. DashPass orders are subject to delivery driver and geographic availability. Membership must be activated with a United States address. Payment through third-party payment accounts, or online or mobile digital wallets (like Apple Pay and Google Pay), or memberships purchased through third parties are excluded from this offer. If you product change to another Chase credit card during the promotional period, your benefits may change. You may experience a delay in updating your applicable benefits on DoorDash or Caviar; please note, once you product trade, the benefits from your previous credit card are no longer available for your use. You can only access the benefits available with your current credit card. Mobile applications, websites and other information provided by DoorDash or Caviar are not within Chase’s control and may or may not be available in Spanish. Chase is not responsible for the provision of, or the failure to provide, DoorDash or Caviar benefits and services. Your applicable Chase credit card account must be open and not in default to maintain membership benefits. See full DoorDash terms and conditions at: https://help.doordash.com/consumers/s/article/offer-terms-conditions?language=en_US . All deliveries subject to availability. Must have or create a valid DoorDash account. Qualifying orders containing alcohol will be charged a $0.01 Delivery Fee. No cash value. Non-transferable. See full terms and conditions at: help.doordash.com/consumers/s/article/offer-terms-conditions .

Cardmembers Eligible for Chase Pay Over Time: Eligible cardmembers are those with access to Chase Pay Over Time who use a participating Chase credit card for eligible purchases. Access to Chase Pay Over Time is not guaranteed, is based on a variety of factors such as creditworthiness, credit limit and account behavior, and may change from time to time. Participating Chase credit cards are consumer credit cards issued by Chase, small business cards are excluded at this time. For Chase Pay Over Time at checkout on Amazon.com, Amazon Visa and Prime Visa cards and Chase Mastercard credit cards are also excluded. Purchases Eligible for Chase Pay Over Time Set Up After Purchase: Purchases of at least $100 are eligible, excluding certain transactions such as (a) cash-like transactions, (b) any fees owed to us, including Annual Membership Fees, and (c) purchases made under a separate promotion or special finance program. Eligible purchases will be identified within your transaction history on chase.com Opens in a new window or the Chase Mobile App. Purchases Eligible for Chase Pay Over Time at Checkout on Amazon.com: Orders totaling at least $50 of eligible items on Amazon.com are eligible. Amazon may designate any item as ineligible, such as Amazon Fresh, Whole Foods, Amazon Prime Now, 1-Click Purchases and Subscribe & Save. If your order includes a recurring subscription, then only the first month’s subscription fee will be eligible. If available for your account, the option to choose "financing offers available" will appear at checkout. Amazon, the Amazon.com logo, the smile logo, and all related logos are trademarks of Amazon.com , Inc. or its affiliates.

Chase Mobile App

Chase Mobile ® app is available for select mobile devices. Message and data rates may apply.

Mastercard, the silver circles design and World Elite Mastercard are registered trademarks of Mastercard International Incorporated.

The Contactless Symbol and Contactless Indicator are trademarks owned by and used with the permission of EMVCo, LLC.

AEROPLAN ® PROGRAM INFORMATION

The Aeroplan number of the person accessing the benefit must be included in the qualifying reservation, and the name on the airline reservation must be identical to the name on the Aeroplan account of the traveler. Please allow up to 72 hours after the Chase Aeroplan Card is approved for these benefits to be activated. Your Aeroplan account must be in good standing at time of flight for airline benefits to apply. Airline benefits will no longer be available upon Aeroplan account closure, regardless of reason for closure, or if the credit card product is changed. Aeroplan membership and benefits are subject to the Aeroplan Program Terms & Conditions ( aircanada.com/aeroplan-termsandconditions ) and any applicable Air Canada terms and conditions relating to a benefit, as determined by Air Canada in its sole discretion and as may be changed from time to time. Chase is not responsible for the provision of, or failure to provide, the stated benefits. Air Canada ® is a registered trademark of Air Canada used under license by Aeroplan Inc. Aeroplan ® is a registered trademark of Aeroplan Inc., used under license.

Chase Aeroplan credit cards are issued by JPMorgan Chase Bank, N.A. Member FDIC. Accounts subject to credit approval. Restrictions and limitations apply. Offers subject to change. ️ ® Air Canada is a registered trademark of Air Canada used under license by Aeroplan Inc.

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Canada’s 7 Best Aeroplan Credit Cards

Aeroplan is Air Canada’s frequent flyer program and a very popular loyalty program among Canadian travellers. There’s a wide range of credit card options for Aeroplan members looking to boost their points balances and get closer to their next free flight.

Here are our choices for the best Aeroplan credit cards in Canada.

Best Aeroplan Credit Cards

Best credit card for earning aeroplan points.

air canada travel credit card

  • Earn 80,000 MR points upon spending $15,000 in the first three months
  • Plus, earn  40,000 MR points  upon making a purchase in months 14–17 as a cardholder
  • And, earn 1.25x MR points on all purchases
  • Also, receive a $200 annual travel credit
  • Transfer MR points to Aeroplan and other frequent flyer programs for premium flights
  • Unlimited airport lounge access for you and one guest at Priority Pass, Plaza Premium, Centurion, and other lounges
  • Credits and rebates for business expenses throughout the year with Amex Offers
  • Bonus MR points for referring family and friends
  • Qualify for the card as a sole proprietor
  • Annual fee: $799

The Business Platinum Card from American Express is the fastest way to rack up a big balance of Aeroplan points. It often has the largest welcome bonus of any credit card in Canada, earning Membership Rewards points  which are transferable to Aeroplan at a 1:1 ratio.

The requirements to earn the welcome bonus are usually simple, with a single spending threshold in the first three months. This is much more straightforward than having to juggle ongoing monthly spending requirements or anniversary bonuses. You’ll get the full bonus within a few days of crossing the spending threshold.

For ongoing spending, you’ll earn 1.25 points per dollar spent on all purchases. That’s a strong earning rate for uncategorized transactions, in line with the base earn rate on Aeroplan’s very own co-branded premium cards.

Also, this card has the best refer-a-friend incentive in Canada, worth 20,000 MR points per successful signup. If you have this card and get family or friends to apply using your link, your rewards can quickly add up!

Best Premium Aeroplan Credit Card

air canada travel credit card

  • Earn 60,000 Aeroplan points upon spending $7,500 in the first three months
  • Plus, earn 25,000 Aeroplan points upon spending $2,500 in month 13
  • Always earn 3x Aeroplan points on Air Canada purchases
  • Aeroplan preferred pricing, free checked bag, priority check-in and boarding on Air Canada flights
  • Unlimited Air Canada Maple Leaf Lounge access in North America
  • Bonus Aeroplan points for referring family and friends
  • No minimum income requirement
  • Annual fee: $599

Any of the top-tier Aeroplan cards would get you the same perks, but the American Express Aeroplan Reserve Card is a strong choice for the unique benefits provided by American Express .

As a premium Aeroplan cardholder , you’ll get the lowest Aeroplan reward ticket prices on Air Canada flights thanks to the preferred pricing benefit, free checked bags on Air Canada flights, priority airport services, and unlimited Air Canada Maple Leaf Lounge access .

In addition to Aeroplan benefits, you’ll get Amex Offers for more generous statement credits throughout the year, access to a referral program , and slightly higher earning rates on restaurants and Air Canada purchases.

Best Visa Aeroplan Card

air canada travel credit card

  • Earn 20,000 Aeroplan points † upon first purchase
  • Plus, earn an additional 25,000 Aeroplan points † upon spending $12,000 in the first 180 days
  • Plus, earn a one-time anniversary bonus of 30,000 Aeroplan points † upon spending $24,000 within 12 months of account opening †
  • Earn 2x Aeroplan points † on eligible Air Canada ® purchases, including Air Canada Vacations ® †
  • Earn 1.5x Aeroplan points † on eligible gas, groceries, dining, food delivery, and other travel purchases †
  • Aeroplan preferred pricing, free checked bag, priority check-in and boarding on Air Canada flights †
  • Unlimited Air Canada Maple Leaf Lounge † access
  • DragonPass membership † with six free lounge visits per year
  • Minimum income: $150,000 personal or $200,000 household
  • Application must be approved by September 3, 2024 to receive this offer

If you’re looking for a non-Amex card, the TD® Aeroplan® Visa Infinite Privilege* Card is the best premium Aeroplan credit card, setting itself apart from its competitors with an excellent welcome bonus.

In addition to all of the same Aeroplan perks as the Amex Reserve Card, your Visa card comes with a DragonPass membership and six complimentary visits per year. These passes are good for accessing DragonPass airport lounges, including those operated by Plaza Premium , with a strong presence in Canadian airports.

Best Aeroplan Credit Card for Business Owners

air canada travel credit card

  • Earn 70,000 Aeroplan points upon spending $10,500 in the first three months
  • Plus, earn 25,000 Aeroplan points upon spending $3,500 in month 13
  • Also, earn 3x Aeroplan points on Air Canada purchases
  • Unlimited Air Canada Maple Leaf Lounge access

Nearly identical to the personal Amex Aeroplan Reserve Card, the American Express Aeroplan Business Reserve Card is a great option for business owners looking to leverage high spending into points and elite status.

With a unique rate of 2 MR points per dollar spent on car rentals and hotels, this card is a good choice for road warriors looking to maximize their return on business expenses.

You’ll also earn Status Qualifying Miles and/or Segments just for spending on the card, earning 1,000 SQM / 1 SQS per $5,000 spent on any purchase. If you need to supplement your mileage-qualification activity to reach the next tier of Aeroplan Elite Status, this is a great way to do so with your business spending rather than with a qualifying flight.

Best Aeroplan Credit Card for Daily Spending

air canada travel credit card

  • Earn a total of 15,000 MR points upon spending $750 in each of the first 12 months
  • Earn 5x MR points on groceries, restaurants, bars, and food delivery
  • Earn 3x MR points on eligible streaming services
  • Earn 2x MR points on gas, transit, and travel purchases
  • Transfer MR points to Aeroplan, Avios, Flying Blue, or Marriott Bonvoy
  • Enjoy the exclusive benefits of being an American Express cardholder
  • Monthly fee: $12.99

At 5 points per dollar spent on groceries and restaurants, the American Express Cobalt Card is unsurpassed when it comes to rewards on everyday spending.

You can transfer the points to other airline partners, similar to the premium American Express Platinum Card . That’s far more points than you’d earn by spending on a co-branded Aeroplan credit card.

If you’re looking to rack up a large Aeroplan balance powered by your grocery bill and restaurant spending, consider getting the Cobalt Card and using it as much as you can for the 5x categories.

Best Aeroplan Credit Card for Beginners

air canada travel credit card

  • Earn 10,000 Aeroplan points † upon first purchase †
  • Plus, earn 15 ,000 Aeroplan points † upon spending $7,500 in the first 180 days of account opening †
  • Plus, earn an additional 15,000 Aeroplan points † on renewal when you spend $12,000 within 12 months of account opening †
  • Earn 1.5x Aeroplan points † on eligible gas, groceries, and Air Canada ® purchases, including Air Canada Vacations ® †
  • Preferred Aeroplan pricing and free checked bag on Air Canada ® flights †
  • Minimum income: $60,000 personal or $100,000 household
  • Annual fee: $139

If high annual fees are intimidating, it’s good to start with a mid-tier option like the TD® Aeroplan® Visa Infinite* Card .

Depending on the offer, you might enjoy an annual fee rebate for the first year. Plus, the welcome bonus is easy to achieve, with a low spending requirement up front and a long deadline to achieve the full bonus. It’s a good introduction to earning Aeroplan points before you’ve fully grasped how to redeem them.

The card also comes with a solid suite of benefits, including preferred pricing on award tickets on Air Canada routes, one free checked bag for everyone in your travelling party, and travel insurance on Aeroplan award bookings if you pay for the taxes and fees with this card. Not to mention, your rewards will remain active as long as you are a cardholder, so there’s no rush to learn how to use them effectively.

Best No Fee Aeroplan Credit Card

air canada travel credit card

  • Earn  10,000 Aeroplan points upon first purchase †
  • Plus, earn 0.67x 1x Aeroplan points on eligible gas, groceries, electric vehicle charging, and Air Canada purchases †
  • Aeroplan preferred pricing on Air Canada flights †
  • Minimum income: $15,000 personal or household
  • Annual fee: $0

If you’re keen to keep costs down while earning points for flight rewards, the CIBC Aeroplan Visa Card is your best bet. It’s a good card to get if you’re just beginning to explore the Aeroplan program or award travel in general.

In fact, this is the only Aeroplan credit card with no annual fee. It has a very low barrier to entry, requiring a minimum household income of $15,000.

For students, CIBC also offers the CIBC Aeroplan Visa for Students, with no income requirement, and all of the same features and bonuses.

Not surprisingly, as a no-fee card, this card earns at a lower rate than premium cards, and it has fewer insurance benefits.

Instead, the card’s biggest appeal is the preferred pricing benefit, giving you a slight discount on flight rewards on Air Canada flights. In addition, your Aeroplan points will never expire as long as you remain a cardholder.

Aeroplan Credit Cards: What You Need to Know

When choosing an Aeroplan credit card, you should familiarize yourself with what benefits an Aeroplan credit card can offer, what features to look out for, and how Aeroplan credit cards can fit into an optimized overall credit card strategy.

Why get an Aeroplan credit card?

Aeroplan is one of the most popular frequent flyer programs in Canada, and for good reason: it can be extremely valuable if you know how to use your points effectively.

Points can be redeemed for any seat on any Air Canada flight. Whether you travel domestically, or live in a small town and need to connect through a major hub to fly overseas, you’ll always find a use for your rewards.

But the best value often lies in long-haul travel in premium cabins on Air Canada and its partner airlines. You have access to a wide variety of premium airline products in the Star Alliance network, plus a few others. Also, you can add extra destinations and layovers with the creative routing possibilities allowed by Aeroplan, all for very little extra cost.

With no fuel surcharges on Aeroplan flight rewards on Air Canada or any of their partners, you don’t have to worry about unexpected cash costs arising when you want to book a “free” flight.

There are so many different ways to earn Aeroplan points, including no less than 20 co-branded or transferable rewards cards. It’s an easy loyalty program to quickly build up monstrous balances for aspirational travel redemptions.

With Aeroplan poised to continue adding new retail partners, there will only be more and more ways to earn points on your Aeroplan credit card in the future.

What should you look for in an Aeroplan credit card?

There are two types of credit cards for earning Aeroplan points: co-branded cards (associated with Aeroplan itself) and transferable rewards cards (associated with other rewards programs that can transfer points to Aeroplan).

American Express issues credit cards with a few types of points that are transferable to Aeroplan:

  • Membership Rewards points can be transferred to Aeroplan at a ratio of 1:1
  • Marriott Bonvoy points can be transferred to Aeroplan at an optimal ratio of 2.4:1

These cards generally have bigger signup bonuses than Aeroplan co-branded cards, and higher category earn rates on everyday spending as well.

On the other hand, co-branded cards are typically stronger in their Air Canada and Aeroplan benefits. You’ll get perks like free checked bags, preferred pricing on Air Canada flight rewards, priority airport services (including check-in and boarding), and the opportunity to spend your way to Aeroplan Elite Status.

These cards are offered by TD, CIBC, and American Express. Across their portfolios, there are cards at the entry-level, core, premium, and small business tiers.

Perks are the same for each tier, but other factors may vary. Each bank has different welcome bonuses, annual fees, income requirements, and approval criteria.

Luckily, you have several institutions to choose from, and you’ll still enjoy the same cardholder benefits for Aeroplan members regardless of which issuer you go with.

What’s the optimal strategy for Aeroplan credit cards?

If you’re a dedicated traveller who wants to see as much of the world as possible by maximizing your credit cards, Aeroplan credit cards will arguably play the largest role out of any Canadian airline or hotel co-branded card lineup in your credit card portfolio.

Aeroplan points are the single most useful rewards currency for Canadians looking to maximize their international travel, and Aeroplan credit cards allow you to rack up a huge volume of points in a short time, all while enjoying Aeroplan benefits exclusive to credit card holders.

The savvy Aeroplan user will likely find value in either the core or premium series of Aeroplan credit cards, depending on their appetite for rewards and tolerance for annual fees.

The core level of Aeroplan cards already comes with some very impressive welcome bonuses along with First Year Free offers, allowing you to load up on Aeroplan points without paying anything out-of-pocket in the first year. The free first checked bag can also represent hundreds of dollars of savings per year when you travel on Air Canada flights.

In terms of the premium cards, the $599 annual fee can be a tougher pill to swallow, even when you account for the juicier welcome bonuses at this level. The premium credit cards are best-suited to Air Canada frequent flyers who are interested in earning Aeroplan Elite Status, as the cards can offer a major boost towards Elite Status qualification.

Even if you’re only interested in maximizing Aeroplan points for flight rewards, though, you might still look towards the premium Aeroplan credit cards for their 1.25x base earning rate on your daily spending, or perhaps as another source of Aeroplan points in addition to the core cards.

The entry-level Aeroplan credit cards can play a meaningful role, too. TD’s entry-level Aeroplan product routinely puts on a healthy welcome bonus in the range of 15,000–20,000 points with a First Year Free offer, while CIBC’s no-fee card is great for retaining the preferred pricing benefit in perpetuity (a slight discount on Aeroplan flight rewards on Air Canada) even if you happen to be switching up your core or premium cards.

Outside of Aeroplan’s co-branded products, the four major American Express Membership Rewards charge cards will also be valuable sources of earning points, thanks to their generous welcome bonuses and competitive earning rates.

Between these two card families, you should be able to easily earn enough points to cover a few international trips per year, perhaps even in business class or First Class if you take the time to understand how the Aeroplan program works in detail.

Overall, every dedicated points collector and traveller should have their eyes on Aeroplan credit cards, as they represent the best pathway towards using credit cards to elevate your travel experiences here in Canada.

Frequently Asked Questions

Below are some questions we frequently hear from readers about the best Aeroplan credit cards in Canada.

Can I have more than one Aeroplan card?

Yes, you can have Aeroplan cards from TD, CIBC, and American Express all at the same time. You can also have entry-level, core, and premium cards from the same bank at the same time.

Can I earn the welcome points on more than one Aeroplan card?

Yes, the terms of the offer from one bank have no bearing on your eligibility for a points bonus from another. However, Aeroplan may limit the number of credit card bonuses a member receives if they deem it to be excessive.

Can I earn more than one Air Canada Buddy Pass?

You can earn one Buddy Pass for each card tier – core, premium, and small business – regardless of the issuer.

How do I know if my card is properly linked to my Aeroplan profile?

When you get a new Aeroplan credit card, you’ll often get a welcome email confirming that your new credit card is attached to your Aeroplan membership within a day. You can verify in the Air Canada app to see if it says “Credit Card Holder” on the Aeroplan tab. You can also try searching for an Aeroplan flight reward while signed in, and while not signed in, to see if you’re getting preferred pricing on Air Canada flights.

How do I get a free checked bag on Air Canada flights?

As long as your reservation is linked to your Aeroplan number, and you have an active credit card (or supplementary card) linked to the same Aeroplan number, you should automatically receive this benefit when you check-in for your flight.

How do I transfer Membership Rewards points to Aeroplan?

From your American Express online dashboard, click on the green View and Redeem Points button. Above the search box, navigate to Travel > Frequent Traveler Participants. Use the Switch Account button to make sure you’re transferring your points from the proper card.

How do I transfer Marriott Bonvoy points to Aeroplan?

Login to the Marriott website and click on Redeem Points at the bottom of the page. Navigate to Use Points / Certificates > Travel > Transfer Points to Miles.

Can I link my Aeroplan account to someone else’s Aeroplan credit card?

Aeroplan’s terms and conditions expressly forbid this. If you’re collecting points in multi-player mode, you should use Aeroplan’s Family Sharing feature to pool your points.

Can I transfer my Aeroplan points to another frequent flyer program?

No, once you’ve transferred your Membership Rewards to Aeroplan, you can’t transfer them back.

How can my Aeroplan credit card help me earn Aeroplan Elite Status?

The core, premium, and small business Aeroplan credit cards allow you to earn Status Qualifying Miles (SQM) and Status Qualifying Segments (SQS) for every $5,000 (premium cards) or $10,000 (core and small business cards) that you spend on the card.

These can help you qualify for Aeroplan Elite Status, although you’d still need to complete a Status Qualifying Dollar (SQD) requirement separately to qualify for each Elite Status level.

Also, your spending on your Aeroplan credit card can help you reach Aeroplan 25K status via the Everyday Status Qualification benefit by racking up 100,000 Aeroplan points through eligible sources every year. However, credit card signup bonuses wouldn’t count towards Everyday Status Qualification.

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Payments and Cards

Ready for takeoff: air canada and chase officially launch new u.s. chase aeroplan ® credit card.

  • Launch offer for new Chase Aeroplan cardmembers includes two Welcome Flight Reward Certificates worth up to 100,000 points and Aeroplan 25K Elite status
  • Accelerated earning with 3x points on dining including eligible delivery services, grocery stores and purchases made directly with Air Canada, plus 500 points for every $2,000 spent
  • Cardmember benefits include free checked bags, unlimited carbon offsets for Aeroplan flight redemptions on Air Canada, faster Aeroplan Elite status qualification and more

WILMINGTON, D.E. and Montreal, QC December 2, 2021 – Today Chase, the largest co-brand card issuer, and Air Canada, Canada’s largest airline and a Star Alliance founding member, launched the new Chase Aeroplan® World Elite Mastercard ® Credit Card, with Mastercard as the exclusive payments network. Providing U.S. cardmembers the ability to earn Aeroplan points to unlock faster and better access to the world, Aeroplan is the industry’s most globally connected program with more than 45 partner airlines flying to hundreds of destinations across the globe.

The new Chase Aeroplan Card, a World Elite Mastercard, offers cardmembers:

  • 3X points for every dollar spent on dining, takeout, and eligible delivery services
  • 3X points for every dollar spent at grocery stores
  • 3X points for each dollar spent directly with Air Canada
  • 1 point for each dollar spent on all other purchases
  • Plus, 500 bonus points for every $2,000 spent in a calendar month (up to a maximum of 1,500 points per calendar month)
  • Carbon offsets: Aeroplan will purchase carbon offsets to reduce the impact of greenhouse gas emissions associated with cardmember travel when they fly Air Canada using an Aeroplan flight reward. Applies to Chase Aeroplan primary cardmembers and travel companions on the same reservation for flight segments with Air Canada, Air Canada Express and Air Canada Rouge.
  • Free first checked bags on Air Canada flights: one free checked bag for the primary cardmember and up to eight other travelers on the same itinerary
  • Earn 25K Status through the next year after spending $15,000 in a calendar year
  • Existing status holders earn a one-level status boost to 35K Status or higher for the next year after spending $50,000 in a calendar year
  • Additional spend thresholds starting at $100,000 of spend in a calendar year will unlock unprecedented Aeroplan redemption benefits, including 50% off Priority Rewards and companion benefits
  • $100 credit toward Global Entry, TSA Precheck or NEXUS every four years (as reimbursement for the application fee charged to the card)
  • No foreign transaction fees
  • Trip Cancellation/Interruption Insurance
  • Baggage Delay Insurance
  • Trip Delay Reimbursement
  • Auto Rental Collision Damage Waiver
  • Roadside Assistance
  • Complimentary 24/7 concierge service
  • Access to Mastercard Priceless ® Experiences
  • Exclusive offers from popular brands for services like ride-sharing, food delivery and online shopping
  • Pay Yourself Back ® Benefits Coming Soon: Chase Aeroplan Cardmembers will be able to apply their Aeroplan points toward travel purchases on any airline, including hotel, car rental, and more at a rate of USD 1.25 cents per point up to 50,000 points per year (US$625 of value)

Additionally, for a limited time new Aeroplan Credit Card cardmembers will receive two Welcome Flight Reward Certificates valid for up to 50,000 points each (up to 100,000 total points) after spending $4,000 on the card in the first three months. Visit ChaseAeroplanCard.com for full details.

“We set out to create something special for our U.S. based Aeroplan members—a card that offers immediate benefits after signing-up, and more value the more it’s used for purchases" said Scott O’Leary, Vice President, Aeroplan at Air Canada. "The Chase Aeroplan Card, when paired with the newly transformed Aeroplan and our growing list of 45 airline partners, gives our U.S. members everything they need to travel more and travel better.”

“We designed the new Aeroplan Credit Card to provide cardmembers with incredible opportunities to earn points on everyday purchases that they can use toward travel all across the world,” said Greg Stranz, General Manager of Air Canada Co-Brand Cards at Chase. “We are excited about the rich value the Aeroplan program and new card offers as more Americans return to travel and plan for future international trips.”

In August 2021, Aeroplan became a Chase Ultimate Rewards point transfer partner.

The Chase Aeroplan Card is now available and has an annual fee of $95 U.S. For more information about the new Aeroplan Credit Card, visit ChaseAeroplanCard.com.

About Chase Chase is the U.S. consumer and commercial banking business of JPMorgan Chase & Co. (NYSE: JPM), a leading financial services firm based in the United States with assets of $3.8 trillion and operations worldwide. Chase serves more than 60 million American households with a broad range of financial services, including personal banking, credit cards, mortgages, auto financing, investment advice, small business loans and payment processing. Customers can choose how and where they want to bank: More than 4,700 branches in 48 states and the District of Columbia, 16,000 ATMs, mobile, online and by phone. For more information, go to chase.com.

About Air Canada Air Canada is Canada's largest domestic and international airline, and in 2019 was among the top 20 largest airlines in the world. It is Canada's flag carrier and a founding member of Star Alliance, the world's most comprehensive air transportation network. Air Canada is the only international network carrier in North America to receive a Four-Star ranking according to independent U.K. research firm Skytrax. In 2020, Air Canada was named Global Traveler's Best Airline in North America for the second straight year. In January 2021, Air Canada received APEX's Diamond Status Certification for the Air Canada CleanCare+ biosafety program for managing COVID-19, the only airline in Canada to attain the highest APEX ranking. Air Canada has also committed to a net zero emissions goal from all global operations by 2050. For more information, please visit:  aircanada.com/media , follow Air Canada on  Twitter  and  LinkedIn , and join Air Canada on  Facebook .

For further information:

Chase: Heather Caufield, Chase Communications [email protected]

Air Canada: [email protected]

Chase Freedom® Taps Into Summer Fun with Q3 2024 Cash Back Categories: Select Live Entertainment, Movie Theaters and Gas Stations, EV Charging

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18 Best Travel Credit Cards in Canada for June 2024

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Our picks for Canada’s best travel credit cards include top cards across numerous categories to help you earn discounts, perks and rewards before your next trip.

Best travel credit cards in Canada

  • How we evaluate cards
  • Summary of our selections

How travel credit cards work in Canada

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Tangerine World Mastercard®

Apply for a Tangerine World Mastercard® by October 31, 2024 and earn an extra 10% back* (up to $100) when you spend up to $1,000 in everyday purchases within your first 2 months. Terms and Conditions Apply.

Best Travel Credit Cards in Canada from Our Partners

Best overall.

Scotiabank Platinum American Express® Card

Best overall travel card

Scotiabank platinum american express® card.

  • Earn up to $2,100* in value in your first 14 months, including up to 60,000* bonus Scene+ points. Offer ends October 31, 2024.
  • 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.
  • Earn 2X Scene+™ points for every $1 CAD you spend on all your eligible purchases.
  • Scene+ points can be redeemed for travel purchase, merchandise and other non-travel rewards such as gift cards and prepaid cards.
  • You must redeem a minimum of 5,000 points per travel-related rewards redemption, equivalent to $50 in travel savings. Points must be redeemed within 12 months of the purchase date.
  • $399 annual fee.
  • Redeem points for any flight, any time through Scene+ Travel, a full-service travel agency. Plus, take advantage of a best price guarantee on airfare.
  • Get a Hertz #1 Club Gold membership for special privileges and rental car benefits at over 8,500 locations in 147 countries.
  • Enjoy culinary events and experiences, entertainment, luxury fashion, tours, and more through American Express benefits, including American Express Invites, Platinum VIP offers and access to 24/7 premium concierge services for restaurant reservations, show tickets, and gift purchases.
  • Lounge access at over 600 VIP airport lounges around the world with a complimentary Priority Pass membership, which includes 10 free visits per year.
  • 12 types of insurance provided, including 31-day travel medical benefits — up to $2 million in coverage — for you, your spouse and any dependent children under the age of 65. 10-day coverage available for those over the age of 65.
  • Preferred rates: 9.99% for purchases, 9.99% for cash advances.
  • To be eligible, you must have a Canadian credit file and be a Canadian resident of the age of majority in the province or territory where you live.
  • Terms and Conditions Apply. Click ‘Apply Now’ for complete details.

If this card doesn’t seem like a good fit for your wallet, take a look at NerdWallet’s selection of the  best credit cards  to help find the right option for you.

TD First Class Travel® Visa Infinite* Card

Best for: Expedia bookings

Td first class travel® visa infinite* card.

  • Earn up to $700 in value†, including up to 75,000 TD Rewards Points, no Annual Fee for the first year† and additional travel benefits. Conditions Apply. Account must be approved by September 3, 2024.
  • Earn a welcome Bonus of 20,000 TD Rewards Points when you make your first Purchase with your Card†.
  • Earn 55,000 TD Rewards Points when you spend $5,000 within 180 days of Account opening†.
  • Earn a Birthday Bonus of 10% of the TD Rewards Points you have earned over the past year, up to a maximum of 10,000 TD Rewards points†.
  • 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.
  • To receive the first Additional Cardholder first-year annual fee rebate, you must add your first Additional Cardholder by September 4, 2024.
  • 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 and Restaurants†.
  • Earn 4 TD Rewards Points† for every $1 you spend on regularly recurring bill payments set up on your Account†.
  • 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.
  • 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.
  • Each year, you will receive one $100.00 TD Travel Credit on your first Eligible Travel Credit Purchase of $500.00 or more made with Expedia For TD and posted to the Account in a calendar year.
  • Interest Rates: 20.99% on purchases and 22.99% on cash advances.
  • Go Places on Points: Your Points are worth more when you redeem through Expedia® For TD: Search over a million flights, hotels, packages and more! When you’re ready to book, you can redeem† your TD Rewards Points towards your travel purchase right away.
  • Redeem your TD Rewards Points towards making purchases at Amazon.ca with Amazon Shop with Points. Conditions apply.
  • Travel Medical Insurance†: Up to $2 million of coverage for the first 21 days. If you or your spouse is aged 65 or older, you are covered for the first 4 days of your trip. Additional top-up coverage is available.
  • To be eligible, $60,000 (individual) or $100,000 (household) annual income is required. Also, you must have a Canadian credit file and be a Canadian resident of the age of majority in the province or territory where you live.
  • †Terms and conditions apply.
  • This offer is not available for residents of Quebec.
  • The Toronto-Dominion Bank (TD) is not responsible for the contents of this site including any editorials or reviews that may appear on this site. For complete and current information on any TD product, please click the Apply Now button.

Scotiabank Passport™ Visa Infinite* Card

Best for: Newcomers to Canada

Scotiabank passport™ visa infinite* card.

  • Earn up to $1,100+ in value in the first 12 months, including up to 35,000 bonus Scene+ points and first year annual fee waived on your first supplementary card. Offer Ends January 3, 2024.
  • The only major bank credit card offering you no foreign transaction fees, including for shopping online or abroad.
  • Your Award Winning Card For Travel.
  • Earn 2 Scene+ points on every $1 you spend on eligible grocery stores, dining, entertainment purchases, and daily transit purchases (including buses, subways, taxis and more).
  • Earn 1 Scene+ point on every $1 you spend on all other eligible purchases.
  • You’ll earn 3X Scene+ points for each dollar charged to your account on all eligible purchases¹ at Sobeys, IGA, Safeway, Foodland, FreshCo, Voilà by Sobeys, Voilà by IGA, Voilà by Safeway, Chalo! FreshCo, Thrifty Foods, IGA West, Les Marchés TradItIon, Rachelle Béry and Co-Op.
  • Airport lounge access through complimentary Visa Airport Companion Program membership, plus six complimentary lounge visits per year from the date of enrollment, providing you with access to 1,200+ airport lounges globally, including participating Plaza Premium Lounges.
  • Visa Infinite* benefits including Visa Infinite Concierge, Visa Infinite* Luxury Hotel Collection, Visa Infinite* Dining Series, and Entertainment & Lifestyle Offers.
  • Access to Scotia SelectPay™.
  • To be eligible, $60,000 (individual) or $100,000 (household) annual income is required, or a minimum assets under management of $250,000. Also, you must have a Canadian credit file and be a Canadian resident of the age of majority in the province or territory where you live.

If this card doesn’t seem like a good fit for your wallet, take a look at NerdWallet’s selection of the best newcomer credit cards to help find the right option for you.

The Platinum Card® from American Express

Best for: Airport lounge access

The platinum card® from american express.

  • Unlock special experiences with the Platinum Card®.
  • Earn up to 100,000 Membership Rewards® points – that’s up to $1,000 towards a weekend away.
  • New Platinum® Cardmembers, earn 70,000 Welcome Bonus points after you charge $10,000 in net purchases to your Card in your first 3 months of Cardmembership.
  • Plus, earn 30,000 points when you make a purchase between 14 and 17 months of Cardmembership.
  • Earn 2 points for every $1 in Card purchases on eligible dining and food delivery in Canada, 2points for every $1 in Card purchases on eligible travel, and 1 point for every $1 in all other Card purchases.
  • Access a $200 Annual Travel Credit through American Express Travel Online or Platinum® Card Travel Service.
  • Enjoy a $200 Annual Dining Credit at some of Canada’s best restaurants.
  • Unlock $200 or more in additional value with Member extras. You can earn statement credits for qualifying purchases with participating brands.
  • Take full advantage of The American Express Global Lounge Collection™ which unlocks access to over 1300 airport lounges worldwide. This includes The Centurion® Lounge network, Plaza Premium Lounges, and hundreds of other domestic and international lounges designed to enhance your travel experience.
  • Enjoy flexible ways to use your points such as statement credits for any eligible purchase charged to your Card, new travel purchases booked on American Express Travel Online through the Flexible Points Travel Program, and eligible flights through the Fixed Points Travel Program.
  • Transfer points 1:1 to several frequent flyer and other loyalty programs.
  • Enjoy complimentary benefits that offer an average value of $600 USD at over 1,500 extraordinary properties worldwide when you book Fine Hotels + Resorts
  • Platinum Cardmembers can enjoy access to special events and unique opportunities.
  • Enjoy premium benefits at the Toronto Pearson Airport.
  • You will also have access to many leading hotel and car rental companies’ loyalty programs. Our partners include Marriott International, Hilton Hotels and Resorts, Hertz and Avis.
  • Interest applies in accordance with your Cardmember Agreement, Information Box, and Disclosure statement if the total New Balance is not paid by the Payment Due Date each month. All payments must be received by the Payment Due Date shown on the monthly statement.
  • 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, NerdWallet may receive compensation from American Express, which can be in the form of monetary payment.

TD® Aeroplan® Visa Infinite Privilege* Credit Card

Best for: Rewards on travel spending

Td® aeroplan® visa infinite privilege* credit card.

  • Earn up to $2,700 in value† including up to 75,000 Aeroplan points (enough for a round trip to Honolulu†) and additional travel benefits. Conditions Apply. Account must be approved by September 3, 2024.
  • Earn a welcome bonus of 20,000 Aeroplan points when you make your first purchase with your new card†.
  • Earn an additional 25,000 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†.
  • 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 spent on eligible gas, grocery, travel 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 170+ online retailers via the Aeroplan eStore.
  • Enroll for NEXUS and once every 48 months get an application fee rebate†.
  • Share first free checked bags with up to 8 travel companions†, and get unlimited access to Maple Leaf Lounges† including complementary access for one guest.
  • Plus, primary cardholders get 6 complimentary worldwide select airport lounge visits annually through the Visa Airport Companion Program†.
  • Get an annual round-trip companion pass from $99 (plus taxes, fees, charges and surcharges)†.
  • Get access to Priority Airport Services† like Priority Boarding, Priority Baggage Handling, and Priority Airport Standby & Priority Airport Upgrades†.
  • Travel Medical Insurance†: Up to $5 million of coverage for the first 31 days. If you or your spouse is aged 65 or older, you are covered for the first 4 days of your trip. Additional top-up coverage is available.
  • To be eligible, $150,000 annual personal income or $200,000 household annual income is required. Also, you must have a Canadian credit file and be a Canadian resident of the age of majority in the province or territory where you live.

American Express® Aeroplan® Reserve Card

Best for: Aeroplan points

American express® aeroplan® reserve card.

  • New American Express® Aeroplan®* Reserve Cardmembers can earn up to 85,000 Aeroplan points.
  • Earn 60,000 Aeroplan points after spending $7,500 in purchases on your Card within the first 3 months.
  • Plus, earn an additional 25,000 Aeroplan points when you spend $2,500 in purchases in month 13.
  • That’s up to $2,600 or more in value when you combine your welcome bonus points and card benefits.
  • New Offer: Cardmembers can now get an extra night free for every 3 consecutive hotel nights redeemed with Aeroplan points. Offer ends December 31, 2024.
  • Highest Air Canada earn rate on an Aeroplan payment card in Canada: Earn 3X the points on eligible purchases made directly with Air Canada®* and Air Canada Vacations®*.
  • Standard Earn Rate: Earn 2X the points on eligible Dining and Food Delivery purchases in Canada and earn 1.25X the points on everything else.
  • Get through the airport quicker with Air Canada Priority Check-In, Air Canada Priority Boarding and Air Canada Priority Baggage Handling.
  • Enjoy access to select Air Canada Maple Leaf Lounges™* and Air Canada Café™ in North America for you and a guest, with a same day ticket on a departing Air Canada or Star Alliance flight.
  • Enjoy your eligible first checked bag free for up to 9 people travelling on the same reservation on Air Canada flights.
  • Roll over any unallocated Aeroplan Elite™* Status Qualifying Miles and unused eUpgrade Credits to the following year to enjoy during your travels.
  • Get access to more than 1,200 Priority Pass™ airport lounges and enjoy an oasis of comfort before your flight, regardless of your airline or cabin class.
  • Insurance Coverage: whether you’re shopping nearby or travelling abroad, you can feel confident knowing you can be taken care of.
  • 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, NerdWallet may receive compensation from American Express, which can be in the form of monetary payment.

EQ Bank Card

Best prepaid card

Eq bank card.

  • Customers who set up direct deposit on their EQ Bank account will also get a bonus interest on recurring pre-authorized debits.
  • Here’s how to get the bonus interest: (a) Set up $500/month or more in either direct deposit for your pay or recurring pre-authorized debits. (b) Applies to your Savings Plus Account, Joint Savings Plus Account and EQ Bank Card¹ balance. (c) Once set it up, they’ll be eligible for the increased rate of 4.00%* for 12 months! (d) Those who already set up the above automatically qualify for bonus interest!
  • Free withdrawals from any ATM in Canada.***
  • Earn 0.50% cash back on every purchase.***
  • Earn 2.50% interest right up until you spend.
  • No FX fees, monthly fees, or other hidden fees.
  • Use your card anywhere in the world where Mastercard® is accepted.
  • Open and fund an EQ Bank Savings Plus Account to start.

Rogers Mastercard®

Best for: USD purchases

Rogers mastercard®.

  • $60 cash back when you make a mobile wallet purchase within the first 90 days and 6 automatic payments within the first 8 months for your Rogers, Fido or Shaw postpaid service.
  • 2% cash back – no limits. Exclusively for eligible Rogers, Fido or Shaw customers.
  • 1% unlimited cash back on eligible non-U.S. dollar purchases.
  • 5 Roam Like Home days at no cost with an eligible Rogers mobile plan (up to $75 value).
  • 50% more cash back every time you redeem for Rogers, Fido or Shaw purchases.
  • No annual fee.
  • To apply, you must be the age of majority, be a resident of Canada, and have not filed for bankruptcy in the last seven years or have worked with a trustee under a formal Consumer Proposal.
  • Rogers Bank is not responsible for maintaining or controlling the accuracy of the information published on this website. For full and up-to-date product information, visit Rogersbank.com.

Marriott Bonvoy® American Express®* Card

Best for: Hotel rewards

Marriott bonvoy® american express®* card.

  • 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.
  • 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. Conditions Apply. If you apply and get approved for an American Express Card, NerdWallet may receive compensation from American Express, which can be in the form of monetary payment.

RBC® British Airways Visa Infinite‡

Best for: British Airways flyers

Rbc® british airways visa infinite‡.

  • Intro offer: Get Up to 60,000 Aviosˆ: Receive 15,000 Avios as welcome bonus upon approval. 35,000 bonus Avios when you spend $6,000 CAD in the first 3 months. Another 10,000 bonus Avios after your first yearˆ.
  • Earn 3 Avios for every $1 CAD spent at British Airways and British Airways Holidays
  • Earn 2 Avios for every $1 CAD spent on qualifying dining spend
  • Earn 1 Avios for every $1 CAD spent on all other 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.
  • 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.
  • 10% off British Airways flights when you book and pay with your card∞
  • Redeem for flights and more – you can spend your Avios on all of the travel things you love, including cabin upgrades with British Airways or reward flights with British Airways and any of the oneworld partner airlines to almost 1,000 destinations worldwide**
  • 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.
  • Luxury Visa Infinite benefits⁵ such as first in line service for exclusive events and hotel and dining exclusives via www.visainfinite.ca
  • Complimentary 24/7 Concierge Service⁵.
  • Link your RBC card with a Petro-Points membership to instantly save 3₵ per litre on fuel at Petro-Canada stations and earn 20% more Petro-Points and 20% more Avion points
  • Get $0 delivery fees for 12 months from DoorDash
  • 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
  • Eligibility: This card requires a minimum personal income of $60,000 or a minimum household income of $100,000. Must also be a Canadian resident of the age of majority in the province or territory of residence.
  • Corresponding legal references and product terms are available on the RBC website, which will be available and agreed upon in the customer onboarding process.

BMO AIR MILES®† World Elite®* Mastercard®*

Best for: AIR MILES rewards

Bmo air miles®† world elite®* mastercard®*.

  • Welcome offer: Get 2,000 AIR MILES Bonus Miles and we’ll waive the $120 annual fee for the first year.*
  • Get 3x the Miles for every $12 spent at participating AIR MILES Partners and 2x the Miles for every $12 spent at any eligible grocery store*.
  • Earn 1 reward mile for every $12 in credit card purchases, everywhere you spend.*
  • Get valuable benefits and offers for digital everyday services from a variety of on-demand apps and subscription services.
  • Use your card at Costco.*
  • Extended Warranty.
  • Access over 1 million Wi-Fi hotspots around the world – all at no added cost, and no added fees or roaming charges.*
  • Complimentary membership in Mastercard Travel Pass provided by DragonPass.*
  • Use less Miles with our exclusive 25% discount on one worldwide AIR MILES flight redemption during the calendar year.*
  • BMO AIR MILES World Elite Travel and Medical Protection.*
  • BMO Concierge Service.*
  • Unlock Mastercard Travel Rewards cashback offers when you travel and shop outside of Canada.
  • *Terms and conditions apply.
  • BMO is not responsible for maintaining the content on this site. Please click on the Apply now link for the most up to date information.

BMO CashBack® World Elite®* Mastercard®*

Best for: Cash back

Bmo cashback® world elite®* mastercard®*.

  • Welcome offer: Get up to 10% cash back in your first 3 months and the $120 annual fee waived in the first year.*
  • Earn more cash back on the categories that mean the most: 5% on groceries.* 4% on transit including ride sharing, taxis and public transportation.* 3% on gas and electric vehicle charging.* 2% on recurring bill payments like your monthly phone bill or favourite streaming service.* 1% unlimited cashback on all other purchases.*
  • Get the highest cash back earn rate on groceries in Canada.†
  • Extended Warranty Plus.*
  • Purchase Protection Plus.*
  • Complimentary membership in Mastercard Airport Experiences provided by LoungeKey.*
  • Complimentary Roadside Assistance Program.*
  • BMO CashBack World Elite Travel and Medical Protection.*
  • †Statement based on a comparison of the non-promotional grocery rewards earn rate on Canadian cash back credit cards as of January 4, 2023.

CIBC Aventura® Gold Visa* Card

Best for: Aventura points

Cibc aventura® gold visa* card.

  • Earn up to 35,000 Aventura Points (up to $800 in value) during your first year. Receive 15,000 Aventura Points when you spend $3,000 or more in the first 4 monthly statement periods.
  • Get a one-time annual fee rebate ($139) for you (the primary cardholder) and up to three authorized users ($50 each): over $189 value.
  • Enjoy 4 complimentary visits with the Visa Airport Companion Program.
  • Plus, get a NEXUS Application Fee rebate: a $50 value.
  • Offer applies to newly approved card accounts only.
  • 2x for every $1 spent on travel purchased through the CIBC Rewards Centre.
  • 1.5x on for every $1 spent at eligible gas stations, electric vehicle charging stations, grocery stores and drug stores, up to $80,000 annual spend.
  • 1x for every $1 spent on all other purchases.
  • 1x for every $4.00 spent on a CIBC Global Money Transfer, through June 30, 2022.
  • Redeem points for airline tickets, merchandise, gift cards and more.
  • Apply points to your CIBC Aventura card balance or select CIBC financial products.
  • $139 annual fee.
  • Access to more than 1,300 airport lounges across the globe. Priority Pass membership with 4 complimentary lounge visits a year. Zip in and out of the country with a rebate on one NEXUS™ application fee every 4 years.
  • Fly any airline with points that don’t expire.
  • Use Aventura Points to cover full airfare including taxes and fees.
  • Link your Journie Rewards card to save on every fill-up at participating Pioneer, Fas Gas, Ultramar and Chevron gas stationsabout the features of this card.
  • Visa’s Zero Liability Policy and Fraud Alerts.
  • Valuable insurance included: Out-of-Province Emergency Travel Medical Insurance, Flight Delay and Baggage Insurance, Auto Rental Collision and Loss Damage Insurance, $500,000 Common Carrier Accident Insurance, Purchase Security and Extended Protection Insurance, Hotel Burglary Insurance and Mobile Device Insurance.
  • Access to installment plans through CIBC Pace It.
  • Preferred rates: 20.99% for purchases, and 22.99% for cash advances (21.99% for Quebec residents).
  • To be eligible, a $15,000 individual annual income is required and you must be a Canadian resident that has reached the age of majority in your province.

CIBC Aeroplan® Visa Card for Students

Best for: Students

Cibc aeroplan® visa card for students.

  • 1x Aeroplan points per dollar on gas, electric vehicle charging, groceries and Air Canada travel purchases, up to $40,000 annual spend.
  • 1x Aeroplan points per $1.50 spent on all other purchases, including gas, electric vehicle charging, groceries and Air Canada travel purchases that exceed the $40,000 threshold.
  • Earn points twice at over 150 Aeroplan partners and 170+ online retailers through the Aeroplan eStore.
  • Aeroplan Points never expire and can be redeemed for a variety of travel, merchandise, gift card, and other rewards offered by Aeroplan’s participating partners and suppliers.
  • $0 annual fee.
  • Get three free months of Uber Pass for discounts on rides, meals and more. Offer ends September 8, 2022.
  • Earn 1 Aeroplan point for every $6 spent on CIBC Global Money Transfer, with no transaction fees or interest as long as you pay your balance on time. Offer ends June 30, 2022.
  • Maximize your points by adding up to three additional cards and giving them to your spouse or other family members. Points can be shared with other Aeroplan members in your household.
  • Earn points by using your CIBC Aeroplan Visa to automatically make recurring bill payments.
  • Receive preferred pricing when paying for flights with your Aeroplan points.
  • Save up to 25% on car rentals at participating Budget and Avis locations worldwide when paying with your card.
  • Save up to 10 cents per litre at participating Chevron, Ultramar and Pioneer gas stations if you link your card with Journie Rewards.
  • Use the CIBC Pace It feature to make installment payments on large purchases.
  • Four types of insurance are provided: auto rental collision and loss damage insurance, purchase security, extended protection insurance, and $100,000 in common carrier accident insurance.
  • Preferred rates: 20.99% for purchases, 22.99% for cash advances.
  • To be eligible, you must have full-time status in a college or university.

TD® Aeroplan® Visa* Business Card

Best for: Businesses

Td® aeroplan® visa* business card.

  • Earn up to 60,000 Aeroplan pointsΓ. Conditions Apply. Account must be opened and approved by September 3, 2024.
  • Earn 2 Aeroplan points for every dollar spent on eligible purchases made directly with Air Canada, including Air Canada Vacations.
  • Earn 1.5 Aeroplan points for every dollar spent on eligible travel, dining and select business categories, such as shipping, internet, cable and phone services.
  • Earn 1 Aeroplan point for every dollar spent on all other eligible purchases.
  • Earn points twice when paying with a TD Aeroplan Visa Business Card and providing an Aeroplan number at over 150 Aeroplan partner brands and more than 170 online retailers via the Aeroplan eStore.
  • Points can be redeemed for flights, hotels, merchandise, gift cards and more. They can also be used to pay down the card’s balance.
  • Linked cards earn 50% more Aeroplan points and Stars at participating Starbucks stores.
  • $149 annual fee — rebated in the first year.
  • Free first checked bag for up to 9 people travelling on the same reservation on Air Canada flights.
  • One free one-time guest pass to Maple Leaf Lounges for every $10,000 in net purchases. Maximum of 4 passes a year.
  • Reach Aeroplan Elite Status more quickly by earning 1,000 Status Qualifying Miles and one Status Qualifying Segment for every $5,000 in net purchases.
  • Access online reporting, review business expenses, managing existing credit limits and apply spend controls through the TD Card Management Tool.
  • Visa SavingsEdge program: save up to 25% on eligible business purchases.
  • Travel benefits: travel medical insurance (up to $2 million in coverage for the first 15 days for those under 65; coverage lasts for 4 days for those 65 and older); common carrier travel accident insurance (up to $500,000 for covered losses), trip cancellation insurance (up to $1,500 per insured person; maximum of $5,000), trip interruption insurance (up to $5,000 per insured person; maximum of $25,000), flight/trip delay insurance (up to $500 if a flight or trip is delayed for longer than 4 hours), delayed and lost baggage insurance (up to $1,000 of overall coverage per insured person), auto rental collision/loss damage insurance (covers the full cost of a car rental for up to 48 days), hotel/motel burglary insurance (up to $2,500), mobile device insurance (up to $1,000 in coverage).
  • Toll-free emergency travel assistance services.
  • Receive a rebate of up to $100 on NEXUS enrolment application/renewal fee costs once every 48 months.
  • Save a minimum of 10% on the lowest available base rates in Canada and the U.S., and a minimum of 5% on the lowest base rates internationally on qualifying car rentals at participating Avis and Budget locations.
  • Visa Zero Liability protection, Verified by Visa and instant alerts to prevent fraudulent card use.
  • Purchase security and extended warranty protection.
  • Minimum credit limit of $1,000.
  • Interest rates: 14.99% on purchases, 22.99% on cash advances.

WestJet RBC World Elite Mastercard

Best for: WestJet flyers

Westjet rbc world elite mastercard.

  • Get up to $450 in WestJet dollars¹ with the WestJet RBC® World Elite Mastercard. Plus, get a Round-Trip Companion Voucher Every Year – for any WestJet destination starting from $119 CAD³ (plus taxes, fees, charges and other ATC).
  • Get free first checked bags for the primary cardholder and up to 8 guests on the same reservation⁴
  • Earn WestJet dollars 1.5% on everyday purchases and 2% on flights or packages with WestJet or WestJet Vacations⁸
  • WestJet dollars never expire¹⁰ Use your WestJet dollars to book flights anytime so you can travel when and where you want.
  • No blackout periods.
  • Travel coverage including emergency medical insurance²⁰ as well as trip interruption insurance²¹, hotel burglary¹⁸ and rental car insurance¹⁸. Even eligible purchases you make on the card are protected.
  • Link your RBC card with a Petro-Points membership to and instantly save 3₵ per litre on fuel¹² and always earn 20% more Petro-Points¹³ at Petro-Canada.
  • Free Boingo Wifi for Mastercard holders¹¹ at over 1 million hot spots.
  • Get $0 delivery fees for 12 months from DoorDash^. Add your eligible RBC credit card to your DoorDash account to: Get a 12-month complimentary DashPass subscription± – a value of almost $120. Enjoy unlimited deliveries with $0 delivery fees on orders of $15 or more when you pay with your eligible RBC credit card.
  • Eligibility: This card requires a minimum personal income of $80,000 or a minimum household income of $150,000. Must also be a Canadian resident of the age of majority in the province or territory of residence.

CIBC Aventura Visa Infinite Card

Best for: NEXUS rebates

Cibc aventura visa infinite card.

  • Earn 2 points for every $1 spent on travel purchased through the CIBC Rewards Centre.
  • Earn 1.5 points for every $1 spent at eligible gas stations, electric vehicle charging stations, grocery stores and drug stores, up to $80,000 annual spend.
  • Earn 1 point for every $1 spent on other purchases or on category spending in excess of the $80,000 annual limit.
  • Earn 1 Aventura Point for every $4.00 spent on a CIBC Global Money Transfer. There are no transaction fees, and you won’t be charged interest as long as you pay your balance by the payment due date.
  • Use Aventura Points to cover full airfare, including taxes and fees.
  • To redeem your points for hotel stays, vacation packages, cruises, merchandise, gift cards and one-of-a-kind activities, visit the CIBC Rewards Centre.
  • Use your Aventura Points to help pay down your credit card balance or contribute them to select financial products.
  • Enjoy an annual fee rebate every year for the primary cardholder of up to $139 if you have a CIBC Smart Plus Account.
  • Out-of-province emergency travel medical insurance.
  • Flight delay and baggage insurance.
  • Trip cancellation and trip interruption insurance.
  • Auto rental collision and loss damage insurance.
  • $500,000 common carrier accident insurance.
  • Purchase security and extended protection insurance.
  • Hotel burglary insurance.
  • Mobile device insurance.
  • Kick back in a comfortable lounge before boarding and enjoy your four complimentary visits with the Visa Airport Companion Program. Zip in and out of the country with a rebate on one NEXUS application fee every four years.
  • Score luxury upgrades, tickets and tours through Visa Infinite Exclusive Offers.
  • Fly any airline with points that don’t expire. Access personalized travel booking and trip planning with no booking fees through the Aventura Travel Assistant.
  • Link your Journie Rewards card to save on every fill-up at participating Pioneer, Fas Gas, Ultramar and Chevron gas stations.
  • To be eligible, a $60,000 individual or $100,000 household minimum annual income is required.

CIBC Aeroplan® Visa Infinite Privilege Card

Best for: Premium travel perks

Cibc aeroplan® visa infinite privilege card.

  • Get up to 110,000 Points: You’ll receive 20,000 Aeroplan points when you make your first purchase, another 30,000 points if you spend $6,000 or more during your first four monthly statement periods, and 60,000 more points as an additional anniversary bonus if you have at least $25,000 in net eligible purchases posted on your account during the first 12 monthly statement periods. This offer only applies to newly approved card accounts.
  • 2x Aeroplan points on Air Canada purchases, including Air Canada Travel Vacations.
  • 1.5x Aeroplan points on gas, electric vehicle charging, groceries, travel and dining, up to annual $100,000 spend.
  • 1.25x Aeroplan points on other purchases.
  • Earn points twice by providing your Aeroplan number at over 150 Aeroplan partner brands and over 170 online retailers through the Aeroplan eStore.
  • Points can be redeemed for flights, car rentals and hotel stays, as well as complete vacation packages like cruises and all-inclusive resort visits. Points can also be redeemed for gift cards and merchandise sold through the Aeroplan eStore.
  • $599 annual fee, which can be reduced by up to $139 each year if you have a CIBC Smart Plus account.
  • An annual Worldwide Companion Pass, worth up to $599, to any destination in the world that Air Canada flies when you spend $25,000 on your card.
  • Exclusive access to Visa Infinite Luxury Hotel Program, Visa Infinite Dining Series and the Visa Infinite Wine Country Program.
  • Reach Aeroplan Elite status sooner by earning 1,000 Status Qualifying miles and one Status Qualifying segment for every $5,000 you spend on eligible purchases.
  • Save up to 25% on car rentals at participating Avis and Budget locations.
  • Authorized users can access travel benefits when travelling without you by linking their Aeroplan number.
  • Access to CIBC Pace It, an installment plan designed to help you pay off large or unexpected purchases over time at a lower interest rate.
  • 13 types of insurance provided, including 31-day travel medical benefits (10 days if you’re 65 or older on your departure date) — worth up to $5 million in coverage per insured person.
  • To be eligible, $150,000 (individual) or $200,000 (household) annual income is required. You must be a Canadian resident who has reached the age of majority in your province or territory and who hasn’t made a bankruptcy claim in the last seven years.

Methodology: How we evaluate cards

NerdWallet Canada selects the best travel rewards credit cards based on overall consumer value as well as their suitability for specific kinds of travellers. Factors in our  evaluation methodology  include each card’s annual fee, foreign transaction fees, rewards earning rates, ease of use, redemption options, domestic and international acceptance, promotional APR period, bonus offers, insurance offers, and cardholder perks such as automatic statement credits and airport lounge access.

Summary of the best travel credit cards

Travel rewards credit cards earn points or miles as a reward for making eligible purchases. The type and rate of rewards you earn depends on the travel credit card you have. Additionally, how you can use those rewards may depend on the loyalty program associated with your card.

Why get a travel credit card?

Travel rewards credit cards account for 22% of credit cards in Canada, according to a 2021 report by Payments Canada. Outside reduced travel costs, travel cards can offer travel insurance, airport lounge access , baggage fee discounts, no foreign transaction fees and more. The right travel credit card can help you plan trips and access upgraded services that may have once been out of reach.

Types of travel credit cards in Canada

Generally speaking, there are three different categories of travel rewards credit cards. Knowing how they differ will help you determine what card is best for you.

General travel rewards credit cards

If you’re not loyal to one specific airline or hotel chain, then a general travel rewards program is something that will interest you. The points you earn can typically be used for any type of travel redemption, such as airfare, hotels, car rentals, cruises, and even vacation packages. Since your points don’t belong to one specific program, you have more options.

Some general travel rewards credit cards only allow you to use your points when booking travel through their online portal, while others let you use your points for any travel purchases you charge to your card.

Airline rewards credit cards

Airline credit cards allow you to earn points or miles for a specific airline. What’s interesting about airline credit cards is that the points you earn can usually be used on any airline that’s part of their network.

For example, Aeroplan is the loyalty program for Air Canada. Even if you don’t have one of the best Aeroplan credit cards, you can redeem your points for a flight on any carrier that’s part of the Star Alliance network. There are also some general travel rewards programs, such as Air Miles , that also earn miles and can offer some additional value.

Depending on the tier of your airline rewards credit card, you may get additional perks such as free checked bags, priority boarding and increased status. Having an airline credit card is highly lucrative if you frequently fly with one airline or network.

Hotel rewards credit cards

While some people love the idea of free flights, getting a luxury stay at a nice hotel appeals to other people. Some would argue that hotel rewards are better than airline rewards since some hotel chains have a greater reach. For example, Marriott has over 7,000 properties in 130+ countries, so no matter where you’re travelling, it won’t be hard to find a room where you can use your points.

Hotel rewards credit cards will also typically include benefits that will make your stay more comfortable. For instance, you could get early check-in and late check-out. You could also get free high speed WiFi or enhanced status.

Additional rewards to look for in a travel card

Besides the main rewards categories that come with travel credit cards, consider the additional perks that are included. These extra perks can often be the thing that helps you choose one card over another.

Consider the following benefits that often come with travel rewards credit cards:

  • Free checked bags. Airlines charge anywhere from $30-$60 per checked bag, each way, so getting free checked bags can save you a fair amount of money.
  • Airport lounge access. Some credit cards include airport lounge access , plus free annual lounge passes. These benefits could easily have a value of over $300, so it can offset any annual fee you might pay.
  • Travel insurance. An extensive travel insurance package is included on some credit cards. This could cover things such as medical expenses, trip cancellation, lost luggage, and more.
  • No foreign transaction fees. Many credit cards charge a 2.5% fee when you make a purchase in any currency that’s not Canadian dollars. You simply pay the straight exchange rate if your card has no foreign transaction fees .
  • Extended warranty. Many credit cards will lengthen your warranty up to one additional year as long as you charge the full cost of the purchase to your card.
  • Price protection. If you find a lower price after making a purchase, some credit cards will give you back the difference if it falls within a specific period.
  • Concierge service. A credit card concierge can help you with basic tasks such as booking travel, ordering fits and securing event tickets.

As you can see, the list of additional benefits you can get with your travel rewards credit cards can be pretty extensive. Some of the best travel credit cards in Canada will have many of the above benefits, but not all of them. Always prioritize the perks that are important to you when applying for a credit card .

Travel credit card pros and cons

  • Earn points or miles to reduce travel costs, like discounted flights and hotel stays.
  • Get additional perks, like travel insurance, discounted baggage fees, airport lounge access and more.
  • Earn introductory bonus points when you sign up for certain travel credit cards.
  • Some cards let you transfer points to airline and hotel loyalty programs.
  • Many travel credit cards carry annual fees.
  • Blackout periods may restrict when you can redeem your points.
  • Introductory bonus offers may require you to spend a large sum of money in a short period of time.
  • Some travel rewards points expire if you don’t use them quickly enough.

Using travel rewards

Understanding travel credit card earn rates.

The earn rate on a travel credit card is the number of rewards points or miles you earn on each dollar spent.

Some cards offer a flat rate, meaning you earn the same rewards on every purchase. For example, you may earn 2 points for every $1 you spend with your card.

Most rewards credit cards have a tiered rewards structure when making purchases. The type of structure can vary quite a bit between cards. For example, you may have an accelerated earn rate on purchases made in certain categories, such as travel, groceries, gas and drugstores. All other purchases will use the lower base earn rate.

Ideally, you want to choose a credit card with an accelerated earn rate that is aligned with your spending habits.

“You have to make sure the loyalty program is going to let you do what you want,” says Laura Scheck, vice president of credit cards at Scotiabank. “Or else you’ll end up with points that you can’t necessarily use. And no one wants to be in that situation. Points are fun!”

Additionally, travel credit cards may deliver additional points or miles when you make purchases with their main partner, if they have one. For example, an Aeroplan credit card gives you an accelerated earn rate on Air Canada purchases. Some loyalty programs even have a network of partners where you can earn additional points or miles.

How to calculate the value of travel credit card points

Knowing how to calculate the value of your points or miles is essential since not every redemption value is the same. By establishing a baseline value for your points, you can decide if specific redemptions are worth it — even if you’re not getting the maximum value.

The formula used to determine the value of one point is as follows:

Cash value of the redemption x 100 / number of points required = Cost per point

Let’s say you want to fly from Vancouver to Toronto, and it’s going to cost $585 in cash, or 25,000 Aeroplan points, plus $75 in taxes. You would use the following formula. Note that since you have to pay $75 in taxes, you’d have to subtract that amount from the cash value for an accurate assessment.

$510 x 100 / 25,000 = 2.04 cents per point

This formula can be applied to any redemption regardless of the loyalty program. For example, let’s say you want to redeem 13,400 points for a $100 gift card. Your formula would be the following:

$100 x 100 / 13,400 = .75 cents per point

The flight is a better bang for your points if these redemption options are available with the same program.

Do travel rewards points ever expire?

It doesn’t matter how long you’ve been a loyalty program member or how many points you’ve accumulated; you can lose everything if you’re not paying attention.

Generally speaking, most loyalty programs that belong to an airline or hotel have a defined expiry date of 12 – 18 months. However, that only applies if there’s been no account activity in your account during that time. If you earn or redeem just one point during that time, your clock would reset. Even if you’re not travelling anytime soon, you could make a small redemption or donate some points to ensure you don’t lose the rest of your points.

When it comes to bank credit card rewards programs, it’s unlikely your points will expire as long as your credit card account is in good standing. Your account would only fall out of good standing if it becomes delinquent or your credit card is used for fraudulent activity.

How to redeem travel credit card rewards

Some credit card rewards programs only let you redeem points or miles through their rewards portals. Others allow point redemption for any eligible purchase you make with your credit card.

Rewards programs offered through banks typically have their own website where you can make redemptions. They often have separate tabs where you can choose from travel, gift cards, merchandise, and financial rewards. While this can be handy, you’re typically limited to their offerings — what you see is what you get.

Airline and hotel loyalty programs will almost always allow you to redeem your points or miles directly on their website or mobile app. When searching for flights or hotels, you’ll likely see a box that says “use points.” The prices displayed will be in points, so you’ll know exactly how much you’ll need to make a redemption.

Knowing where to go to redeem your points is important, but you may also want to familiarize yourself with the different point redemption systems.

Travel reward point redemption options

Not all rewards programs are created equal, especially when it comes time to cash in your travel points. These three redemption models tend to be the most popular among travel credit cards:

Consistent points

Consistent points hold a constant value, regardless of season or travel destination. This point redemption model is the most transparent and user-friendly of the three.

Fluctuating points

The value of fluctuating points can be impacted by several factors, including travel destination and time of year. A point may carry less value when travelling during peak season instead of in the off-season. This model can make it challenging to determine the value of your points when trip planning. Look for any provider-issued charts or tables that outline what factors impact the value of your points.

Point transfers

Point transfers let you transfer points to affiliated rewards programs. This model may be useful for those trying to take advantage of multiple rewards programs. The catch? The value of your points may be different once they’ve been transferred, which means you’ll need to figure out the transfer ratio before you make a decision.

What to know about credit card travel insurance

For many, travel insurance is essential — especially when venturing outside Canada. While it’s likely the last thing you want to worry about when on vacation, medical emergencies happen. And your federal, provincial and territorial health plans may not cover the medical expenses you incur while travelling. That’s where travel insurance comes in.

Not only does travel insurance help cover medical expenses, it can also offer trip cancellation coverage, vehicle damage insurance, flight delay insurance and more.

You can get travel insurance from a third party, like a travel agent or insurance provider, but many travel credit cards offer it , too — and at no added cost to the cardholder.

Out-of-province travel emergency medical insurance

Travel medical insurance isn’t only for those travelling outside Canada; it can also provide coverage for those exploring another province or territory. Your provincial plan may not extend to emergency medical expenses incurred out of province. Out-of-province medical insurance can provide coverage for a range of medical needs and services, from prescription medication to emergency evacuations and hospital stays.

If your travel card offers out-of-province medical insurance, ask your provider about coverage limitations. Your medical expenses may not be covered if they’re the result of a pre-existing medical condition or high-risk activity, like bungee jumping or motorized racing.

Travel accident insurance

This type of insurance can be useful in the event of accidental injury or death while travelling on public or ticketed transportation, sometimes referred to as a common carrier. Some policies only cover accidents that happen on airplanes while others encompass a wider range of common transports, like trains, ships and buses.

Travel interruption/cancellation insurance

Trip cancellation coverage reimburses non-refundable travel expenses if your trip gets cancelled. Eligible cancellation circumstances may include dangerous weather conditions, pregnancy complications or the death of an immediate family member.

Trip interruption coverage activates once you’ve departed and reimburses non-refundable travel expenses if your trip is cut short. Again, not every circumstance will qualify for trip interruption coverage. Covered reasons for heading home ahead of schedule are often similar to those that qualify for cancellation coverage.

Flight delay insurance

Flight delays are frustrating, but they happen. If your flight is postponed and you need to book a place to stay or grab a bite to eat while you wait, flight delay insurance may reimburse those costs.

Lost/delayed baggage insurance

If your bags are delayed, this type of insurance will cover the cost of essential items you may need to purchase — like clothes or toiletries — while you wait for your bags to arrive. And if your bags are lost outright, you may be covered up to a predetermined amount for your lost property.

Rental car collision/loss damage insurance

If you plan to rent a car on your next trip, collision and damage insurance may come in handy. This insurance covers costs associated with theft or damage to your rental car. But it doesn’t replace liability insurance — the insurance that provides coverage if you injure someone or damage another vehicle on the road.

Your personal auto insurance policy may come with liability insurance that extends to rental vehicles, but contact your insurance provider to confirm you’re covered before you hit the road.

To take advantage of your credit card’s collision and damage insurance, you’ll need to decline coverage offered by your car rental company.

Hotel/motel burglary insurance

If your hotel or motel room is broken into while on the road, this coverage will reimburse you for the loss of stolen goods up to a set amount. Not all stolen items may be eligible for reimbursement.

How to choose the right travel credit card

Every credit card is good for at least one thing, so deciding on which card is best for you can be difficult. Here are some important criteria you can use to compare different travel credit card options.

Welcome bonus

If you’re trying to decide between several travel cards with similar rewards, the tiebreaker can often be the sign up bonus. Some credit cards offer a generous welcome offer that covers the annual fee or jumpstarts your rewards collection with thousands of free points or miles.

Every credit card has a base earn rate, but many of the best travel credit cards in Canada have an increased earn rate for specific bonus categories — like the TD First Class Travel® Visa Infinite* Card, which offers up to 8x the points per dollar spent on travel through its online Expedia portal.

If you have a general travel credit card, you could earn extra points on categories such as groceries, gas, pharmacies and more, like the Scotiabank Passport® Visa Infinite* Card , which offers 2x the points on food, drink and groceries . The earn rate is essential since choosing a card that lines up with your spending habits can quickly increase the number of points or miles you earn.

If you’re firmly against paying an annual fee for your credit card, you’ll instantly narrow down your choices. That said, there are some instances where an annual fee is worth the cost . Travel credit cards with a yearly fee typically have more benefits than their fee-free counterparts.

Reward flexibility

Having a lot of points is meaningless if it’s hard to redeem them. Look for a loyalty or rewards program where you know you’ll be able to use your points without much trouble. This means programs with no blackout dates and multiple redemption options.

You’ll also want to consider whether the program has any transfer partners, as that’s another way to use your points. Additionally, knowing if and when your points expire is key to ensuring you don’t lose your hard-earned rewards.

Perks and benefits

Besides the type of rewards, welcome bonus and earn rate, additional perks may sweeten the deal and sway your decision.

“Lounge access is always very important,” says Scheck. “It’s nice to have as you’re catching your flight. It’s a little bit quieter — a bit of an oasis from the rest of the airport.”

Another make-or-break consideration? Foreign transaction fees. Scheck says they can really add up, especially if you’re making a lot of transactions while travelling. A card with no transaction fees, like the Scotiabank Gold American Express® Card , can help you save in the long run.

Scout for travel card perks when comparing your options: 

  • Seat upgrades.
  • Room upgrades.
  • Premium lounge passes.
  • Entertainment ticket presale access.
  • Car rental discounts.
  • Priority check-in and boarding.
  • Various types of credit card insurance.

How to apply for a travel rewards credit card in Canada

Make sure you’re eligible.

Different travel credit cards have different eligibility criteria, so check whether you meet a card’s requirements before you begin the sign-up process. Here are some general eligibility criteria you may encounter when applying for a travel credit card:

  • Canadian resident with a Canadian credit file.
  • Age of majority in the province or territory where you live.
  • Minimum annual income thresholds.

Fill out the application

When you apply for a credit card , you’re typically able to follow an online application process that can be completed from the card issuer’s website. Here’s a general rundown of the application process:

  • Review the card’s details, terms and conditions.
  • Enter your personal information, including your full name, date of birth, residential address and mobile phone number.
  • Enter your Social Insurance Number.
  • Enter your financial information, including your annual income and monthly expenses.
  • Verify your identity by submitting photos of your original government-issued ID, like your passport or Driver’s Licence.
  • Review the information you’ve supplied and submit your application.

Keep in mind that applying for a credit card may impact your credit score .

Tips to maximize your travel credit card rewards

If you’ve decided that a travel credit card is for you, follow these few tips to ensure you get the most out of your credit card rewards .

  • Pay your bills in full and on time, so you don’t pay any interest.
  • Make sure you meet the minimum spending requirement to get your welcome bonus.
  • Pay attention to your earn rate and use your rewards card on purchases that earn extra points.
  • Research your rewards program so you know what you can do with your points or miles.
  • Calculate the value of your points before making a redemption.
  • See if your loyalty program has a partner network where you can earn additional points.

Although choosing a travel credit card may require you to do some research, the value you get is often worth it. Getting free stuff on points feels great, especially if it’s something you’ve been saving a long time for.

FAQs for Canada’s Travel Reward Credit Cards

Yes, travel credit card rewards can expire. Most loyalty programs that belong to an airline or hotel have a defined expiry date of 12 – 18 months. However, that only applies if there’s been no account activity in your account during that time. If you earn or redeem just one point during that time, your clock would reset.

When it comes to bank rewards programs, your points may never expire as long as your credit card account is in good standing. Of course, your account would only fall out of good standing if it becomes delinquent or you use your credit card for fraudulent activity.

In most cases, a good credit score — generally 660 to 724 — is required to get the best travel credit cards. However, some secured credit cards and prepaid options offer rewards, and are more suitable for people with lower credit scores.

About the Author

Shannon Terrell is a lead writer and spokesperson for NerdWallet, where she writes about credit cards and personal finance. Previously, she was a writer, editor and video host for financial…

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Find the best credit card for you

Aeroplan credit card review: valuable travel rewards with a modest annual fee, chase's newer aeroplan credit card is a great option for those who enjoy international travel..

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Information about the Southwest Rapid Rewards® Premier Credit Card has been collected independently by Select and has not been reviewed or provided by the issuer of the card prior to publication.

Chase's Aeroplan ®  Credit Card offers flyers a great opportunity to earn valuable Aeroplan points and elite benefits, making it a solid choice for those who enjoy international travel.

While Aeroplan is the official loyalty program of Air Canada, you don't necessarily need to be a frequent customer of the carrier to redeem this card's rewards. In fact, you can use Aeroplan points to book domestic flights on United Airlines, among several other Star Alliance partners such as Lufthansa and Singapore Airlines.

With a modest $95 annual fee, valuable spending categories, travel insurance coverage and no foreign transaction fees , it's a decent choice if you're in the market for a new travel rewards card .

Below, Select details the Aeroplan Credit Card's benefits, as well as how to maximize the rewards points you'll earn by using it.

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Aeroplan Credit Card review

Welcome bonus, benefits and perks, how to earn and redeem aeroplan points, rates and fees, card comparison, bottom line, aeroplan® credit card.

Earn 3X points for each dollar spent at grocery stores, on dining at restaurants and Air Canada directly; 1X points for each dollar spent on all other purchases; 500 bonus points for every $2,000 you spend in a calendar month (up to 1,500 points per month).

Earn 70,000 points after you spend $3,000 on purchases in the first 3 months your account is open.

Regular APR

21.74% - 28.74% Variable

Balance transfer fee

Either $5 or 5% of the amount of each transfer, whichever is greater

Foreign transaction fee

Credit needed.

Excellent/Good

Terms apply. Member FDIC.

  • Cardmembers and travel companions (up to eight) traveling on the same reservation will all enjoy free first checked bags on Air Canada.
  • Global Entry/TSA PreCheck/NEXUS credit of up to $100 every four years
  • No fees on purchases made outside the U.S.
  • $95 annual fee
  • No introductory 0% APR

The Aeroplan Credit Card's welcome bonus lets new cardholders earn 70,000 bonus points.

Keep in mind that this card falls under Chase's 5/24 restriction , so if you've been approved for more than five credit cards within the last 24 months, you'll automatically be rejected when you apply for any new Chase cards.

The Aeroplan Credit Card comes with several perks aimed at helping avid travelers score an easier journey. Cardholders have access to the following benefits:

  • Instant Aeroplan 25K Status for the rest of the calendar year and the following calendar year, giving you access to more perks including priority check-in, security and boarding; two one-time passes to Air Canada's Maple Leaf Lounges and premium-cabin upgrades. You can also maintain the same status level by spending $15,000 during a calendar year.
  • The ability to elevate your Aeroplan status level to 35K Status or higher when you spend $50,000 during a calendar year.
  • A $100 statement credit every four years to put toward Global Entry or TSA PreCheck® membership .
  • You and up to eight travel companions (as long as you're all on the same reservation) can enjoy a complimentary checked bag, up to 50 lbs, when traveling with Air Canada.
  • No foreign transaction fees.
  • Access to 24/7 concierge services.
  • Travel insurance coverage, including trip cancellation and interruption insurance, reimbursement for trip delays, baggage delay insurance, roadside assistance and an auto rental collision damage waiver, among other purchase protections.

Earning Aeroplan points

As you spend with the Aeroplan Credit Card, you'll earn:

  • 3X points per dollar at grocery stores and restaurants (takeout and certain delivery services count, too), as well as purchases made with Air Canada directly.
  • 1X points per dollar for all other purchases.
  • 500 bonus points for every $2,000 spent each calendar month, up to 1,500 bonus points per month.

Redeeming Aeroplan points

The more you use your card, the more you'll accumulate Aeroplan points, which can then be redeemed for flights operated by Air Canada and its many Star Alliance airline partners , including United Airlines, Lufthansa, Singapore Airlines and Air New Zealand, as well as a number of non-alliance partners such as Brazil-based Azul and United Arab Emirates-based Etihad Airways. Regardless of whether you prefer to travel domestically or internationally, you'll have many options when it's time to redeem your Aeroplan points.

Here are a few examples of some economy and premium cabin flights you can book with Aeroplan points (note that all pricing is based on a one-way flight and does not include taxes or fees):

  • Within the United States: Economy redemptions start at 6,000 points, while business class redemptions start at 25,000 points on United Airlines.
  • U.S. to Asia: Economy flights to Seoul are available from 50,000 points in economy or from 75,000 points in business class on either United Airlines or Asiana Airlines.
  • U.S. to Europe: Economy flight redemptions to Frankfurt start at 35,000 points, while business class redemptions start at 60,000 points on Lufthansa.

To get a better idea of how many points you'll need for your next trip, refer to Aeroplan's award chart .

The card has a modest $95 annual fee, along with a 21.74% - 28.74% variable APR on purchases and balance transfers.

There are no foreign transaction fees, so you can travel and spend outside the U.S. without incurring any additional fees.

Aeroplan Credit Card vs. Chase Sapphire Preferred® Card

Chase sapphire preferred® card.

Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, and $50 annual Chase Travel Hotel Credit, plus more.

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.

21.49% - 28.49% variable on purchases and balance transfers

Terms apply.

Read our Chase Sapphire Preferred® Card review .

The Chase Sapphire Preferred® Card is a top travel rewards credit card that lets you earn Chase Ultimate Rewards® points, which can be transferred to a number of airline and hotel partners, including Aeroplan. The welcome bonus currently offers new cardholders 60,000 points after spending $4,000 within the first three months of card membership.

Cardholders can earn:

  • 5X points for travel purchased via Chase Travel℠ (minus hotel stays that qualify for the included $50 annual hotel credit you'll earn when booking hotels through the portal).
  • 5X points for eligible Lyft rides through March 31, 2025.
  • 3X points for dining purchases, including takeout and select delivery services.
  • 3X points for using certain streaming and online grocery shopping services, not counting Target, Walmart or other wholesale stores.
  • 2X points for all other travel-related purchases.
  • 1X points for all other purchases.
  • Complimentary DashPass membership from DoorDash and Caviar for one year — as long as you activate the perk by Dec. 31, 2024.

The Chase Sapphire Preferred Card also includes many of the same benefits as the Aeroplan Card, including comprehensive travel insurance protections, no foreign transaction fees and the ability to transfer points to additional airline partner loyalty programs, all for the same $95 annual fee.

For those deciding between these two cards, it really comes down to your personal travel habits and goals. If you solely enjoy flying with Air Canada, the Aeroplan Card is the clear winner as you will score automatic elite status.

If you prefer to fly with other airlines as well, it might be worth having both cards , especially since you can transfer Chase Ultimate Rewards points to Aeroplan at a 1:1 ratio. Signing up for both cards (and reaching both minimum spending requirements) would end up netting you more than 130,000 points, which could then be redeemed through Aeroplan — all for a combined $190 in annual fees, providing a solid value for any traveler.

Aeroplan Credit Card vs. Southwest Rapid Rewards Premier Credit Card

Southwest rapid rewards® premier credit card.

Earn 3X points on Southwest® purchases, 2X points on local transit and commuting, including rideshare; 2X points on internet, cable, and phone services; select streaming. 1X points on all other purchases

Earn 85,000 bonus points after spending $3,000 on purchases in the first 3 months from account opening.

21.49% - 28.49% variable

5%, minimum $5

Foreign transaction fees

The Southwest Rapid Rewards® Premier Credit Card is a great addition, especially for flyers who are loyal to the budget airline.

To get started, you can earn 85,000 bonus points after spending $3,000 on purchases in the first 3 months from account opening.

  • 6,000 bonus points to celebrate each account anniversary.
  • Two EarlyBird check-ins per year.
  • 1,500 tier qualifying points toward A-List and A-List Preferred status for every $10,000 you spend, with no limit as to how many you can earn.
  • 25% back for in-flight purchases.
  • No foreign transaction fees when you use the card abroad.
  • Southwest Airlines perks such as two free checked bags per person, no change fees and Rapid Rewards points that never expire.

You'll earn 3X points per dollar for purchases made with Southwest Airlines; 2X points per dollar spent through Rapid Rewards car and hotel partners and 1X points per dollar for all other purchases. Cardholders can also earn 2X points per dollar on transit, including ride-share services and commuting, as well as select streaming, phone, internet and cable services.

Best of all, the points you earn by using the Southwest Premier Credit Card count toward the Companion Pass® , which allows your chosen friend or family member to fly with you for free for up to a year (not counting taxes and fees from $5.60 each way).

If you're deciding between the two cards, consider which airline you tend to fly with the most. If you travel primarily within the U.S. and aren't looking for premium cabin flights, the Southwest Premier Credit Card is likely a solid fit. If, on the other hand, you prefer to have a variety of carriers to redeem your rewards with, as well as the opportunity to redeem points toward business or first class flights, the Aeroplan Credit Card would be the better option.

The Aeroplan Credit Card is a solid pick for anyone looking to earn valuable travel rewards points that can be redeemed for flights without the high annual fee price tag. Keep in mind, however, that this card requires a good to excellent credit score in order to get approved.

Catch up on Select's in-depth coverage of  personal finance ,  tech and tools ,  wellness  and more, and follow us on  Facebook ,  Instagram  and  Twitter  to stay up to date.

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The best Aeroplan credit cards in Canada for 2024

Aeroplan is Canada's largest airline loyalty program. Compare your credit card options to earn Aeroplan points faster on all your everyday purchases.

Earn 5x the points on dining and groceries (cardholders can transfer AMEX Membership Rewards points to Aeroplan points at a 1:1 ratio anytime).

Earn 1.5 Aeroplan points on groceries, gas and aircanada.com purchases. Plus get perks including first bag checked for free on Air Canada and Nexus Application rebate.

Earn 3 Aeroplan points per dollar on Air Canada purchases. Plus get premium perks worth up to $2,600 including access to over 1,200 airport lounges.

MoneySense is an award-winning magazine, helping Canadians navigate money matters since 1999. Our editorial team of trained journalists works closely with leading personal finance experts in Canada. To help you find the best financial products, we compare the offerings from over 12 major institutions, including banks, credit unions and card issuers.  Learn more about our advertising and trusted partners .

Canada’s best Aeroplan credit cards

By Winston Sih and Keph Senett on April 12, 2024 Estimated reading time: 8 minutes

Aeroplan is Canada’s largest airline loyalty program—and one of its most lucrative. Owned by Air Canada, Aeroplan offers a ton of flexibility compared to other airline loyalty programs. You can earn and redeem Aeroplan points with more than 50 partner airlines and even transfer points to other programs. W hether you’re looking for a no-fee card to get you started earning Aeroplan points or a full-service travel card with all the bells and whistles, there’s an Aeroplan credit card for y ou.

Summary: Our picks for the best Aeroplan credit cards

  • Best co-branded Aeroplan card: TD Aeroplan Visa Infinite
  • Best credit card for fast-tracking points:  American Express Cobalt Card
  • Best Aeroplan credit card for travellers: American Express Aeroplan Card
  • Best Aeroplan credit card for luxury perks: American Express The Platinum Card  
  • Best no-fee Aeroplan credit card: CIBC Aeroplan Visa Card
  • About the program: Aeroplan FAQ

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Best co-branded Aeroplan credit card

The CIBC Aeroplan Visa Infinite card and the TD Aeroplan Visa Infinite are almost identical. Both cards cost $139 annually, and both rebate that fee the first year. And they have the same earn rate, too. If you already bank with TD or CIBC, this may be an easy choice. If you don’t, we believe the TD Aeroplan Visa Infinite is marginally better .

What sets the TD card apart from the CIBC card is its impressive welcome bonus.

TD Aeroplan Visa Infinite Card

TD Aeroplan Visa Infinite

  • Annual fee: $139
  • Earn rates: 1.5 Aeroplan points per $1 spent on gas, groceries and purchases made directly through Air Canada (including vacation packages), and 1 point per $1 on all other purchases
  • Welcome bonus: You can earn a welcome bonus of 10,000 Aeroplan points when you make your first purchase with your new card; earn 15,000 Aeroplan points when you spend $7,500 within 180 days of Account opening. Conditions apply. Account must be approved by September 3, 2024.  
  • Anniversary bonus: Earn a one-time anniversary bonus of 15,000 Aeroplan points when you spend $12,000 within 12 months of opening the account. Conditions apply. Account must be approved by September 3, 2024.
  • Annual income requirement: Personal income of $60,000 or household income of $100,000
  • Point value: Aeroplan points are worth $0.02 on average
  • Recommended credit score for approval : 660 or higher
  • Interest rates: 20.99 % on purchases, 22.99% on cash advances, 22.99% on balance transfers

With the TD Aeroplan Visa Infinite, you’ll also get your first bag checked for free for you and up to eight travel companions on the same reservation. This comes out to about $30 in savings per traveller when flying economy within Canada or to the U.S. A Nexus application fee rebate every 48 months will save you up to $100.

Best Aeroplan card for fast-tracking points

The Amex Cobalt earns an impressive 5 Membership Rewards (MR) points for every $1 spent on dining out, groceries and food delivery (along with 3 and 2 points per $1 spent on streaming and transit respectively). So, what does this have to do with Aeroplan points? Well, you can transfer your MR points to Aeroplan at 1:1 ratio. That means this card has an earn rate that surpasses many of the Aeroplan branded cards.

American Express Cobalt

American Express Cobalt card

  • Annual fee: $156
  • Earn rate: 5 points per $1 spent on dining and groceries; 2 points per $1 spent on transit and gas; and 1 point per $1 spent on all other purchases
  • Welcome offer: You can earn 1,250 points for each month you spend $750, up to a maximum of 15,000 points.
  • Annual income requirement: None
  • Point value: 1 Amex Membership Rewards point = $0.01 when redeemed with the Flexible Points Travel Program, $0.015 on average with the Fixed Points Travel Program, and up to $0.02 with airline points transfers
  • Recommended credit score for approval: 725 or higher
  • Interest rates: 21.99% on purchases, 21.99% on cash advances

Best Aeroplan credit card for travellers

Unlike the virtually identical TD and CIBC cards, the American Express Aeroplan card takes the concept and tweaks it. The first notable difference is the annual fee which is the more conventional $120 with additional cards costing $50. The points structure is also a slight departure, offering 2 Aeroplan points per $1 on purchases at Air Canada, 1.5 points per $1 on dining and food delivery purchases, and 1 point per $1 spent on anything else. 

American Express Aeroplan Card

PC Financial World Elite Mastercard

  • A nnual fee: $120
  • Rewards earn rate: 2 Aeroplan points per $1 on purchases at Air Canada Vacations, 1.5 points per $1 on dining and food delivery purchases and 1 point per $1 spent everywhere else
  • Welcome bonus: earn 30,000 Aeroplan points after spending $3,000 in purchases on your Card within the first 3 months.
  • Anniversary bonus : You can earn 20,000 Aeroplan points when you spend $1,000 in purchases in month 13
  • Additional perks: Travel insurance including travel accident, flight delay and delayed or lost baggage coverage
  • Interest rates: n/a ( Note: The American Express Aeroplan card is a charge card, so you’re required to pay off the balance in full with this card every month)

New American Express Aeroplan cardholders get the same Aeroplan perks, such as a free checked bag and preferred pricing. The card has travel insurance, including $500,000 in travel accident, flight and baggage delay, and lost or stolen baggage, plus hotel burglary, car rental theft and damage.

Perhaps most notably, the American Express Aeroplan card is a charge card, so while you won’t be restricted by a credit limit, you will have to pay off the balance in full every month. 

Best Aeroplan credit card for luxury perks

While not an officially-branded Aeroplan card, this premium Amex card allows you to transfer your Membership Rewards points to Aeroplan— at one-to-one rate. It also comes with access to Priority Pass and Centurion Lounge, alongside a generous $200 annual travel credit (essentially reducing the value of your annual fee to $599), hotel upgrades and a sizeable points sign-up bonus.

American Express Platinum

American Express The Platinum Card

  • Annual fee: $799
  • Rewards: 2 points per $1 on dining and food delivery; 2 points per $1 on travel, plus 1 additional point on purchases booked through Amex Travel Online; 1 point per $1 on everything else.
  • Welcome bonus: You can earn up to 100,000 rewards points ($1,000 value). Conditions apply.
  • Recommended credit score: 760 or higher
  • Interest rates: N/A (as a charge card, you’re required to pay off your balance in full every month)

The Platinum Card is a charge card, which means you’ll need to pay off the balance in full every month. While it is typically good practice to do that, the Aeroplan Visa cards on this list do not require you to like Amex does. While its earn rate is impressive, it does come with a hefty $799 annual fee, so do the math on how much you plan to spend on it, before you apply.

Best no-fee Aeroplan credit card

The appeal of CIBC’s Aeroplan Visa Card is its $0 annual fee. It’s a great way to step into the Aeroplan game and start racking up rewards through your credit card spending.

CIBC Aeroplan Visa Card for Students

CIBC Aeroplan Visa Card for Students

  • Annual fee: $0
  • Earn rates: 1 point per $1 spent on gas and EV charging, groceries and Air Canada purchases, and 1 point per $1.50 on everything else
  • Welcome offer: Earn 10,000 Aeroplan points when you make your first purchase ($200 value).
  • Interest rates: 20.99% on purchases and 22.99% on cash advances (21.99% in Quebec)
  • Recommended credit score: None specified

Not surprisingly for a no-fee card, the CIBC Aeroplan Visa Card doesn’t give you access to the free checked baggage or comprehensive insurance perks the other co-branded Aeroplan credit cards covered earlier have. However, cardholders do get preferred pricing so they can often book flights using fewer points. The included insurance is lean with only common carrier accident coverage, car rental collision and loss damage protection and purchase protection.

How many Aeroplan points do you need for a flight?

According to the new Aeroplan redemption chart, how many points you need to redeem to book a flight depends on the distance between your city of departure and arrival, and which of the four “travel zones” you’re flying between.

At a minimum, you’ll need at least 6,000 points to redeem a one-way ticket within the North America travel zone to any destination within 500 miles of your departure (or 12,000 points for a round-trip). That includes trips like Toronto to Ottawa, or Vancouver to Calgary.

The number of points you need for redemption increases as you go further from your departure city or enter a new travel zone. For example, you’d need at least 70,000 Aeroplan points for a round trip to the Atlantic Zone travel zone within 4,000 miles of your city of departure.

Aeroplan has a handy  points predictor  tool to estimate how many points you need to redeem for a flight.

How much are Aeroplan points worth?

Unfortunately, Aeroplan points don’t have a fixed value. You can use the  points predictor tool  to see how it can vary. That said, you can get better value depending on the destination.

This formula can:

1 Aeroplan point = (price of ticket – Aeroplan fees) ÷ points needed to redeem

Generally, if the result of this equation is more than 1.2 to 1.5 cents per Aeroplan mile, you’re looking at a solid deal. For example, if you were to fly round-trip from Calgary to Halifax in January 2021, you’d need around 25,000 Aeroplan points, and you’d have to pay the taxes and fees. Since the total price of a ticket is currently around $770 and Aeroplan charges $80 in taxes and fees, in this scenario, the value of 1 point would be 2.76 cents, based on the above equation: ($770 – $80)  ÷  25,000. That’s according to Google Flights as of this article’s publication date.

Business class flights are also known to offer better value as their retail value is much higher, but you’ll need to rack up more points to redeem for those rewards.

What is Aeroplan’s stopover policy?

Aeroplan has introduced a new stopover policy that will help both casual and seasoned travellers stretch the value of their points.

When travelling almost anywhere (excluding Canada or the U.S.), you can add a stop over on each one-way flight for an incremental 5,000 points. By leveraging this stopover policy, you can strategically add stops on your routes, see more destinations, and maximize the value of your points.

How to earn Aeroplan points faster

Aeroplan has many retail and brand partners, offering the ability to earn twice. Once with the credit card, and another with your membership card. So a good tip is to scan your Aeroplan cards for points as well as for charging at the register. Plus, you can take advantage of Aeroplan’s online store to make purchases and earn additional bonus points from popular online retailers like Amazon.

Redeeming through Air Canada versus Star Alliance member airlines

New Aeroplan points can be redeemed for flights on Air Canada or any of the roughly two dozen  Star Alliance member airlines , just like before. However, Aeroplan has introduced a few changes when it comes to its redemption rules.

When redeeming on Air Canada, Aeroplan has introduced “dynamic pricing,” which effectively means the number of points you need for a flight can vary within a range. For instance, a round-trip economy flight from Calgary to Halifax with Air Canada can require anywhere between 25,000 and 35,000 points. You may need more points within this range if you’re travelling to a popular destination or during a high-demand travel season.

When redeeming on Star Alliance member airlines, which include United and Lufthansa, dynamic pricing isn’t part of the picture. For instance, the same round-trip flight from Calgary to Halifax always requires 25,000 points at any point in time. The one caveat is you’ll have to pay an extra $39 booking fee per traveller when flying on a Star Alliance airline versus using Air Canada itself. 

When booking travel, you’ll want to compare between Air Canada and the other Star Alliance airlines to see which one offers the best return for your points. The answer will depend on your particular travel booking.

More of Canada’s best credit cards :

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About Keph Senett

About Keph Senett

air canada travel credit card

The Different Ways to Earn Air Canada Aeroplan Points

A eroplan is the loyalty program of Air Canada. This allows travelers with Air Canada and other partner airlines to collect points from flights and other spending (including through credit cards). Frequent travelers can also earn elite status in the program, bringing benefits when traveling. Aeroplan points can be earned through flying with Air Canada and a wide range of partners, from credit card spending, and several travel and retail sources.

Earning points on Air Canada flights

Points are earned for flights with Air Canada based on the flight distance. It is one of the only major North American airlines to still award points or miles this way.

Most airlines have now moved to this revenue-based earning model, where points or miles are awarded based solely on the price of the ticket. Air Canada plans to switch to this model sometime in 2024 (the change has been repeatedly delayed since 2021). This generally results in less lucrative earnings, especially for lower-priced tickets and discounted premium tickets.

Love learning about points and miles? Read more of our loyalty news and guides here .

Points are earned on all tickets including the lowest economy basic fares. Points are simply earned as a percentage of the distance flown, set for each fare class/type according to the following rates:

For shorter flights, there is an earning minimum of 250 points (multiplied up or down).

Earning points with other airlines

Air Canada is a member of Star Alliance (it is, in fact, a founding member dating back to 1997). As such, you can earn points on flights with all Star Alliance member airlines. These are:

  • Aegean Airlines
  • Air New Zealand
  • Asiana Airlines
  • Austrian Airlines
  • Brussels Airlines
  • Copa Airlines
  • Croatia Airlines
  • Ethiopian Airlines
  • LOT Polish Airlines
  • Scandinavian Airlines (SAS)
  • Shenzhen Airlines
  • Singapore Airlines
  • South African Airways
  • TAP Air Portugal
  • Thai Airways
  • Turkish Airlines
  • United Airlines

Read more about the airlines in Star Alliance in our guide

Flights with all these airlines earn in the same way as on Air Canada flights – as a percentage of the distance flown. These will not change to revenue-based when Air Canada rates change (although there may be changes in percentages announced).

Aeroplan publishes tables for each partner. Most airlines will earn 100% and above in long-haul premium cabins. There are big variations in discount economy earnings, though, and some fare classes with some airlines do not earn at all. As an example, the table below shows the current earnings for Lufthansa.

As well as the Star Alliance partners, Aeroplan has other partnerships where you can earn points. These include Air Serbia, Air Mauritius, Azul, Bamboo Airways, Canadian North, Juneyao Airlines, Cathay Pacific, GOL, Gulfair, flydubai, Oman Air, Emirates, Etihad and Vistara. Again, these earn using the same percentage method.

Some of these airlines restrict which flights are eligible for earning (this can all be checked on the Aeroplan website). For example, points are only earned with Cathay Pacific on regional flights between Hong Kong and some South East Asian destinations.

Earn points from credit card spending

Earning points from associated credit cards has become increasingly common with many airlines. Air Canada Aeroplan has several co-branded cards available in Canada. These include TD Aeroplan Visa Infinite Card, American Express Aeroplan cards, and CIBC Aeroplan cards. In the United States, there is one card available with Chase.

All of these cards award Aeroplan points based on spending. All cards will usually award at least one point per dollar spent, with bonuses for certain categories of spending. For example:

  • The lowest-fee TD Aeroplan Visa Platinum card awards one point for every $1.5 spent but increases this to one point per dollar for all gas and grocery purchases and all spending with Air Canada.
  • The higher free TD Aeroplan Visa Infinite Privilege card awards two points for every dollar spent with Air Canada, 1.5 points per dollar on all travel, dining, gas, and grocery spending, and 1.25 points per dollar for all other spending.

Most cards also offer a generous one-time sign-up bonus – the highest currently is 85,000 points with the American Express cards and the TD Aeroplan Visa Infinite Privilege card. Most cards also offer benefits when flying with Air Canada (but not partners), such as free checked bags, reward flight discounts, and lounge access (with higher-cost cards).

Other ways to earn points

Flying and credit card spending are likely to be the ways most people earn the majority of points. But, as with most other loyalty programs, there are several other useful ways to boost point earning.

Earn from onboard purchases . Points can be earned for food and beverage purchases with Air Canada. Purchases between $10 and $19.99 earn 25 points, and purchases over $20 earn 50 points.

Earn from hotel stays. Aeroplan is partnered with many hotel chains to offer points when staying. This is often offered instead of earning directly through the hotel loyalty program. Points are either earned based on the total spend or a fixed amount per stay. Options include Best Western, Choice Hotels, Coast Hotels, Marriott, Shangri-La Hotels and Resorts, and Wyndham Rewards. Other chains allow points from the hotel program to be transferred to Aeroplan (including IHG and Hilton). There is also a partnership to earn through Rocketmiles bookings.

Earn from car rental. Points can be earned on major brands Avis and Budget. Standard Aeroplan members will earn one point per dollar spent. Members with elite status will earn two points per dollar.

Earn from online shopping. Like many loyalty programs, Aeroplan has a linked shopping portal known as Aeroplan eStore. By following links to online retailers, you can earn points from shopping (generally up to 10 points per dollar). There are regular bonuses and promotions.

Transferring points. Aeroplan is a transfer partner of American Express Membership Rewards, Chase Ultimate Rewards, and Capital One. Points from all these programs can be transferred 1:1 into Aeroplan points.

Coming soon - partnership with Manulife . Aeroplan has announced it will start cooperation with Manulife later in 2024. Through this, members will be able to earn points from health and wellness challenges such as exercising and mindfulness practice.

Aeroplan Now Lets You Earn Frequent Flyer Points For Being Healthy

Get the latest aviation news straight to your inbox: Sign up for our newsletters today.

Do you use Air Canada Aeroplan? Feel free to discuss the ways to earn points from flying or other activities further in the comments section below.

IATA/ICAO Code: AC/ACA

Airline Type: Full Service Carrier

Hub(s): Calgary International Airport, MontralTrudeau International Airport, Toronto Pearson International Airport, Vancouver International Airport

Year Founded: 1967

Alliance: Star Alliance

CEO: Michael Rousseau

Country: Canada

Region: North America

The Different Ways to Earn Air Canada Aeroplan Points

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Best travel credit cards of June 2024

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Travel credit cards help you earn valuable points and miles on your purchases. For maximum value, some cards earn rewards not only on travel, but also everyday purchases like dining, groceries and gas. You can redeem these rewards for free or discounted flights, hotel stays or to cover other travel-related expenses.

The best travel cards also come with additional features. Even no-annual-fee travel cards are likely to offer perks like sign-up bonuses, intro APR offers and travel insurance. But for top-of-the-line benefits like airport lounge access, elite status and travel credits, expect to pay an annual fee.

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Bankrate's Best Travel Credit Cards of June 2024

  • Best starter travel card:  Chase Sapphire Preferred® Card
  • Best for flat-rate rewards:  Capital One Venture Rewards Credit Card
  • Best for luxury travel:  The Platinum Card® from American Express
  • Best for no annual fee:  Capital One VentureOne Rewards Credit Card  ( See Rates & Fees )
  • Best for foodies:  American Express® Gold Card
  • Best for everyday spending: Citi Strata Premier℠ Card
  • Best for intro APR:  Bank of America® Travel Rewards credit card
  • Best for point values:  Chase Sapphire Reserve®
  • Best for practical perks:  Capital One Venture X Rewards Credit Card
  • Best for pairing:  Chase Freedom Unlimited®
  • Best for hotel bookings: Wells Fargo Autograph Journey℠ Card
  • Best no-annual-fee hotel card:  Hilton Honors American Express Card
  • Best for luxury hotel perks: Marriott Bonvoy Brilliant® American Express® Card
  • Best for transfer partners:  Bilt Mastercard®
  • Best for gas:  Wells Fargo Autograph℠ Card
  • Best for companion tickets:  Delta SkyMiles® Platinum American Express Card
  • Best starter airline card:  Southwest Rapid Rewards® Plus Credit Card
  • Best for savers: Bank of America® Premium Rewards® credit card
  • Best for first-year value:  Discover it® Miles
  • Best for fair credit:  Credit One Bank Wander® Card
  • What to know about travel credit cards
  • Tips for choosing the best travel card

Travel credit card perks

How do credit card points and miles work.

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How we assess the best travel credit cards

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Intro offer

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.

60,000 bonus points

We calculate this number by multiplying the card's intro offer by Bankrate's valuation of this issuer's rewards program , showing you how much your points or miles are worth in dollars.

Rewards rate

5x on travel purchased through Chase Travel℠. 3x on dining, select streaming services and online groceries. 2x on all other travel purchases. 1x on all other purchases.

Regular APR

21.49% - 28.49% Variable

  • 5x 5x on travel purchased through Chase Travel℠.
  • 3x 3x on dining, select streaming services and online groceries.
  • 2x 2x on all other travel purchases.
  • 1x 1x on all other purchases.

What we love: This popular card comes loaded with features that can make it easy even for occasional travelers to offset the modest $95 annual fee without eating into hard-earned rewards. Plus, its rewards program is one of the best, giving you some of the most valuable travel redemptions — through both Chase and transfer partners — and Chase card pairing opportunities if you want to build your card portfolio eventually. Learn more: Why expert Margaret Weck loves using the Chase Sapphire Preferred Alternatives:   If you’re looking for an even simpler travel card, the Capital One Venture Rewards Credit Card is a terrific option. Its flat rewards rate makes it easy to know exactly how much you’ll earn with every purchase and though it can’t match the Sapphire Preferred’s redemption flexibility, it offers more redemption options than the typical travel rewards card. 

  • You earn Ultimate Rewards points with this card — some of the most valuable and flexible rewards around, especially if you pair it with Chase’s cash back cards in the future.
  • The card touts significant long-term benefits like anniversary bonus points and travel credits, as well as travel protections like trip cancellation insurance and a car rental collision damage waiver.
  • Doesn’t offer airline- or hotel-specific perks like free checked bags, elite status or free night stays.
  • The sign-up bonus is decent, but the card has previously offered higher, chart-topping bonus points.
  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.
  • Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 60,000 points are worth $750 toward travel.
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
  • Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
  • Member FDIC

Best for flat-rate rewards

Image of Capital One Venture Rewards Credit Card

Capital One Venture Rewards Credit Card

New Venture cardholders can earn 75,000 miles once they spend $4,000 on purchases within 3 months from account opening

Earn 75,000 miles

5 Miles per dollar on hotels and rental cars booked through Capital One Travel. 2 Miles per dollar on every purchase, every day.

2 Miles - 5 Miles

19.99% - 29.99% (Variable)

  • 5 Miles 5 Miles per dollar on hotels and rental cars booked through Capital One Travel
  • 2 Miles 2 Miles per dollar on every purchase, every day

What we love: It’s a great option for travelers looking for a straightforward rewards program and flexible redemption options. You'll earn unlimited miles on all eligible spending and can redeem not only for travel bookings, but also as a statement credit to cover travel purchases made in the past 90 days. Learn more: Why expert Jacqueline DeMarco loves the Capital One Venture Rewards Credit Card Alternatives: The Chase Sapphire Preferred® Card offers a higher rewards rate in some everyday spending categories and potentially more valuable points. Chase points are worth 1.25 cents each if you redeem for travel through Chase, while Capital One miles are only worth 1 cent each when you redeem for travel. Plus, Chase rewards are more helpful for occasional travelers since you can redeem as cash back at 1-cent-per-point value.

  • Carries solid perks given its low annual fee, including expedited airport purchase security and hotel experience credits, lost luggage reimbursement and more.
  • Zero foreign transaction fees make this an excellent choice for international travelers.
  • You can’t offset the annual fee with annual travel credits or bonuses alone as you can with some rival cards.
  • The card’s sign-up bonus carries a high spending requirement, so it may be tough to earn if you don’t have large purchases on the horizon.
  • Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel
  • Earn unlimited 2X miles on every purchase, every day
  • Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • Receive up to a $100 credit for Global Entry or TSA PreCheck®
  • Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
  • Enrich every hotel stay from the Lifestyle Collection with a suite of cardholder benefits, like a $50 experience credit, room upgrades, and more
  • Transfer your miles to your choice of 15+ travel loyalty programs

Best for luxury travel

Image of The Platinum Card® from American Express

The Platinum Card® from American Express

Earn 80,000 Membership Rewards® Points after you spend $8,000 on eligible purchases on your new Card in your first 6 months of Card Membership.

Earn 80,000 points

Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year. Earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.

See Pay Over Time APR

  • 5X Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year.
  • 5X Earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.

What we love: Luxury travelers and big spenders will appreciate the bevy of travel benefits, including annual statement credits worth around $1,700, elite hotel loyalty status and access to perhaps the most comprehensive airport lounge access available with a credit card. Learn more: Why expert Holly Johnson loves the Platinum Card® from American Express Alternatives: The Capital One Venture X Rewards Credit Card offers a taste of luxury at a lower cost than many premium travel cards. You can unlock a generous rewards rate on both travel and general purchases, complimentary access to popular airport lounge memberships and valuable annual travel credits and anniversary miles.

  • Comes with a generous welcome offer and a longer time period to earn it compared to most rewards cards.
  • A robust line-up of airline and hotel partners and related perks make this card truly valuable for travelers.
  • The $695 annual fee may not be worth it if you don’t spend much on travel frequently or can’t take full advantage of the card’s luxury — and often niche — perks.
  • Redeeming and maximizing the card’s credit and benefits requires some legwork and can be a bit confusing.
  • Earn 80,000 Membership Rewards® Points after you spend $8,000 on eligible purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.
  • Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
  • $200 Hotel Credit: Get up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings with American Express Travel when you pay with your Platinum Card®. The Hotel Collection requires a minimum two-night stay.
  • $240 Digital Entertainment Credit: Get up to $20 back in statement credits each month on eligible purchases made with your Platinum Card® on one or more of the following: Disney+, a Disney Bundle, ESPN+, Hulu, The New York Times, Peacock, and The Wall Street Journal. Enrollment required.
  • The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market. As of 03/2023.
  • $155 Walmart+ Credit: Save on eligible delivery fees, shipping, and more with a Walmart+ membership. Use your Platinum Card® to pay for a monthly Walmart+ membership and get up to $12.95 plus applicable taxes back on one membership (excluding Plus Ups) each month.
  • $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Platinum Card®.
  • $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only. Terms Apply.
  • $189 CLEAR® Plus Credit: CLEAR® Plus helps to get you to your gate faster at 50+ airports nationwide and get up to $189 back per calendar year on your Membership (subject to auto-renewal) when you use your Card. CLEARLanes are available at 100+ airports, stadiums, and entertainment venues.
  • Receive either a $100 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 year period for TSA PreCheck® application fee for a 5-year plan only (through a TSA PreCheck® official enrollment provider), when charged to your Platinum Card®. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
  • Shop Saks with Platinum: Get up to $100 in statement credits annually for purchases in Saks Fifth Avenue stores or at saks.com on your Platinum Card®. That's up to $50 in statement credits semi-annually. Enrollment required.
  • Unlock access to exclusive reservations and special dining experiences with Global Dining Access by Resy when you add your Platinum Card® to your Resy profile.
  • $695 annual fee.
  • Terms Apply.

Best for no annual fee

Image of Capital One VentureOne Rewards Credit Card

Capital One VentureOne Rewards Credit Card

  • Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel

20,000 miles

5 Miles per dollar on hotels and rental cars booked through Capital One Travel. 1.25 Miles per dollar on every purchase, every day.

1.25 Miles - 5 Miles

  • 1.25 Miles 1.25 Miles per dollar on every purchase, every day

What we love: This card offers some of the same advantages as the Capital One Venture, without the burden of an annual fee. It gives you the chance to earn flat-rate miles on your everyday spending and the option to transfer miles to over 15 loyalty program partners to even cover travel purchases outside Capital One — a unique level of redemption flexibility for a starter travel card. Learn more: Reasons to get the VentureOne Rewards Card Alternatives: A general-purpose flat-rate credit card that offers 2X points or 2 percent cash back on all purchases may bring more value if you don’t travel often and aren’t ready to upgrade to a travel rewards credit card with an annual fee. However, the Discover it® Miles earns a flat-rate 1.5X miles that can also be redeemed for cash back at 1-cent per mile, which is unusual for travel rewards.

  • The welcome offer is generous for a no-annual-fee travel credit card.
  • Booking hotel stays and rental cars through Capital One Travel nets you an impressive 5X miles.
  • Unlike several no-annual-fee travel cards, redeeming for non-travel purchases waters down your rewards’ value.
  • Capital One has no major U.S. carrier in its line-up of travel partners.
  • $0 annual fee and no foreign transaction fees
  • Earn unlimited 1.25X miles on every purchase, every day
  • Enjoy 0% intro APR on purchases and balance transfers for 15 months; 19.99% - 29.99% variable APR after that; balance transfer fee applies

Best for foodies

Image of American Express® Gold Card

American Express® Gold Card

Earn 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership.

Earn 60,000 Membership Rewards® Points

Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S. Earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X). Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.

  • 4X Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S.
  • 4X Earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
  • 3X Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.

What we love: Few credit cards are more rewarding for traveling foodies than the American Express Gold Card. Both the food-related annual credits and the rewards rates at restaurants, U.S. supermarkets and on flights booked directly with airlines or via the Amex travel portal are some of the best on the market. In fact, the up to $240 in credits each year alone nearly make up for the annual fee. Learn more: Why the Amex Gold is worth the annual fee Alternatives: If the Amex Gold Card’s annual fee sounds high, consider the Chase Sapphire Preferred® Card . It carries key travel perks, high travel and dining rewards rates, and a much lower annual fee.

  • This card features one of the best rewards return rates available on dining, groceries and food deliveries.
  • There is no preset spending limit, so you can enjoy extended purchasing power, and you also have the option to pay off purchases with Pay Over Time if necessary.
  • Although the card touts a solid collection of travel perks, it doesn’t include popular premium card perks like airport lounge access or trip cancellation/interruption insurance.
  • Only eligible airfare earns more than 1X points, while rival cards often earn similar (or higher) reward rates on hotel stays and other travel purchases as well.
  • Earn 60,000 Membership Rewards® points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership.
  • Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S., and earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
  • Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
  • $120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year.
  • $120 Dining Credit: Satisfy your cravings and earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and select Shake Shack locations. Enrollment required.
  • Get a $100 experience credit with a minimum two-night stay when you book The Hotel Collection through American Express Travel. Experience credit varies by property.
  • Choose the color that suits your style. Gold or Rose Gold.
  • No Foreign Transaction Fees.
  • Annual Fee is $250.

Best for everyday spending

Image of Citi Strata Premier℠ Card

Citi Strata Premier℠ Card

  • Earn 70,000 bonus ThankYou® Points after spending $4,000 in the first 3 months of account opening, redeemable for $700 in gift cards or travel rewards at thankyou.com

70,000 bonus points

Earn 10 points per $1 spent on Hotels, Car Rentals, and Attractions booked on CitiTravel.com. Earn 3 points per $1 on Air Travel and Other Hotel Purchases, at Restaurants, Supermarkets, Gas and EV Charging Stations. Earn 1 Point per $1 spent on all other purchases.

21.24% - 29.24% (Variable)

  • 10X Earn 10 points per $1 spent on Hotels, Car Rentals, and Attractions booked on CitiTravel.com.
  • 3X Earn 3 points per $1 on Air Travel and Other Hotel Purchases, at Restaurants, Supermarkets, Gas and EV Charging Stations.
  • 1X Earn 1 Point per $1 spent on all other purchases

What we love: This card’s high rewards rate in everyday bonus categories makes it an especially good choice for occasional travelers and people looking for a standalone rewards card. Its practical bonus categories mean you can earn rewards quickly, even if you don’t actually spend a ton on travel. Alternatives:   As long as you don’t mind buying groceries online, the Chase Sapphire Preferred® Card could be an even more lucrative everyday rewards card. That’s thanks mostly to its high point redemption value (1.25 cents per point when you use points to book travel with Chase, versus just 1 cent per point when you book with Citi using the Strata Premier).

  • It’s one of the only travel cards that offers a high rewards rate on groceries, dining and gas, so it should work well whether it’s your standalone card or just one part of your card stack.
  • Its annual hotel benefit carries enough value to potentially offset the annual fee on its own.
  • The annual hotel benefit, though generous, isn’t very flexible: You’ll only get the $100 discount if you book a single hotel stay of $500 or more (excluding taxes and fees) through CitiTravel.com.
  • Based on Bankrate’s latest point and mile valuations, Citi ThankYou rewards carry a lower average redemption value than Chase, Amex and Capital One rewards.
  • Earn 10 points per $1 spent on Hotels, Car Rentals, and Attractions booked on CitiTravel.com.
  • Earn 3 points per $1 on Air Travel and Other Hotel Purchases, at Restaurants, Supermarkets, Gas and EV Charging Stations.
  • Earn 1 Point per $1 spent on all other purchases
  • $100 Annual Hotel Benefit: Once per calendar year, enjoy $100 off a single hotel stay of $500 or more (excluding taxes and fees) when booked through CitiTravel.com. Benefit applied instantly at time of booking.
  • No expiration and no limit to the amount of points you can earn with this card
  • No Foreign Transaction Fees on purchases

Best for intro APR

Image of Bank of America® Travel Rewards credit card

Bank of America® Travel Rewards credit card

  • 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases.

25,000 points

  • Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire as long as your account remains open.

19.24% - 29.24% Variable APR on purchases and balance transfers

  • 1.5X Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire as long as your account remains open.

What we love: This entry-level travel card keeps things simple for occasional travelers. It offers simple flat-rate rewards and lets you redeem for a broad mix of travel options not typically available on many travel cards, such as cash back toward purchases with travel agencies,  zoos, art galleries and more. It’s even more valuable if you’re a Bank of America customer and can qualify for a rewards boost through the Bank of America Preferred Rewards® program. Learn more: Is the Bank of America Travel Rewards card worth it? Alternatives: The Capital One VentureOne Rewards Credit Card is another great starter travel card, but, unlike many cards in this category, it lets you transfer your miles to airline and hotel partners, potentially for a higher redemption value.

  • Its easy-to-earn sign-up bonus and intro APR offers give this card good short-term value.
  • No annual fees or foreign transaction fees sweeten this offer.
  • It only offers 1.5X points on purchases, and you can’t transfer points can’t to airline partners for more rewards value, so it may not be as lucrative as competing cards.
  • The top tiers of the Bank of America Preferred Rewards® program may be out of reach for many cardholders.
  • Use your card to book your trip how and where you want - you're not limited to specific websites with blackout dates or restrictions.
  • Redeem points for a statement credit to pay for travel or dining purchases, such as flights, hotel stays, car and vacation rentals, baggage fees, and also at restaurants including takeout.
  • 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 19.24% - 29.24% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%.
  • If you're a Bank of America Preferred Rewards® member, you can earn 25%-75% more points on every purchase. That means instead of earning an unlimited 1.5 points for every $1, you could earn 1.87-2.62 points for every $1 you spend on purchases.
  • Contactless Cards - The security of a chip card, with the convenience of a tap.
  • This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.

Best for point values

Image of Chase Sapphire Reserve®

Chase Sapphire Reserve®

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.

Earn 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠. Earn 5x total points on flights through Chase Travel℠. Earn 3x points on other travel and dining. Earn 1 point per $1 spent on all other purchases.

22.49% - 29.49% Variable

  • 10x Earn 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠.
  • 5x Earn 5x total points on flights through Chase Travel℠.
  • 3x Earn 3x points on other travel and dining.
  • 1x Earn 1 point per $1 spent on all other purchases.

What we love: Rewards-savvy travelers will be hard-pressed to find a card with better rewards potential than the Sapphire Reserve. Points are worth 50 percent more through Chase Travel, and potentially more with the right transfer partner. It’s a stellar partner for Chase’s cash back cards and stacks on even more value with enough perks to recoup the annual fee without relying on hard-earned rewards. Learn more: Why expert Holly Johnson loves the Chase Sapphire Reserve Card Alternatives: The Capital One Venture X Rewards Credit Card offers some of the same key perks as the Sapphire Reserve at a much lower cost. Along with a generous rewards rate on both Capital One Travel and general purchases, the card boasts valuable, practical benefits like competitive airport lounge access , up to $300 in annual Capital One Travel credits and 10,000 bonus miles every year on your account anniversary.

  • You can kickstart your rewards bank with one of the most valuable sign-up bonuses on the market.
  • Its top-tier benefits include up to $300 in annual travel statement credits, Priority Pass airport lounge access, exhaustive travel protections and stand-out partner perks.
  • The card’s cost could be a deterrent for some new cardholders, especially if they plan on encountering adding multiple authorized users.
  • You won’t get as many luxury hotel and airport lounge perks with this card as you would with some of its rivals.
  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.
  • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
  • Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
  • Get 50% more value when you redeem your points for travel through Chase Travel℠. For example, 60,000 points are worth $900 toward travel.
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®

Best for practical perks

Image of Capital One Venture X Rewards Credit Card

Capital One Venture X Rewards Credit Card

  • Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel

75,000 miles

10 Miles per dollar on hotels and rental cars booked through Capital One Travel. 5 Miles per dollar on flights booked through Capital One Travel. 2 Miles per dollar on every purchase, every day.

2 Miles - 10 Miles

  • 10 Miles 10 Miles per dollar on hotels and rental cars booked through Capital One Travel
  • 5 Miles 5 Miles per dollar on flights booked through Capital One Travel

What we love: This is the perfect middleground for travelers who want the practical benefits from luxury travel cards without dealing with bloated features and an annual fee upwards of $500. It offers complimentary lounge access, high-earning bonus rewards categories, anniversary credits and bonus miles, which can easily make the card worth it for frequent travelers. Learn more: Capital One Venture X Benefits Guide Alternatives: If a higher annual fee is no issue, consider The Platinum Card® from American Express. It’s a top choice for frequent travelers thanks to its impressive welcome offer and luxury perks like annual travel credits, lounge access and hotel elite status. However, the Chase Sapphire Reserve® may be better if your luxury travel experience calls for racking up more rewards.

  • Offers anniversary bonus miles and a chance to earn credits worth hundreds of dollars starting at your first account anniversary.
  • Comes with complimentary lounge access at over 1,300 lounges for you and two guests per visit.
  • To earn the anniversary credit, travel must be booked through the Capital One Travel portal. That’s not as flexible as some other cards, which offer credits that cover any travel purchases, regardless of how you book.
  • Lacks some perks found on other premium travel cards like airline or hotel elite status, which can get you benefits like free checked bags or room upgrades.
  • Receive a $300 annual credit for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
  • Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
  • Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights booked through Capital One Travel
  • Earn unlimited 2X miles on all other purchases
  • Unlimited complimentary access for you and two guests to 1,300+ lounges, including Capital One Lounges and the Partner Lounge Network
  • Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs
  • Elevate every hotel stay from the Premier or Lifestyle Collections with a suite of cardholder benefits, like an experience credit, room upgrades, and more

Best for pairing

Image of Chase Freedom Unlimited®

Chase Freedom Unlimited®

Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That’s 6.5% on travel purchased through Chase Travel℠, 4.5% on dining and drugstores, and 3% on all other purchases.

Up to $300 cash back

Enjoy 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more. 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service. 1.5% cash back on all other purchases.

20.49% - 29.24% Variable

  • 5% Enjoy 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more.
  • 3% 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service.
  • 1.5% 1.5% cash back on all other purchases.

What we love: Not only does it earn 1.5 percent cash back on general spending, but it also has a bonus cash back rate for drugstores and dining at restaurants. And if you pair it with one or two premium Chase travel cards, you could pool your rewards for better travel redemption value.  Learn more: Why I love the Chase Freedom Unlimited Alternatives: If you want to take advantage of even more rewarding cash back categories and remain in the Chase family, consider the Chase Freedom Flex® .

  • You can pool rewards with other Chase cards to maximize your earnings.
  • The additional rewards rate offer can add even more cash back to your pocket for the first year.
  • The welcome offer isn’t as competitive as other cards’ offers.
  • Maximizing rewards with this and other Chase cards can get complicated for people who like simple rewards programs.
  • Intro Offer: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
  • Enjoy 6.5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
  • After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase Travel℠, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
  • No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
  • Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
  • No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
  • Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.

Best for hotel bookings

Image of Wells Fargo Autograph Journey℠ Card

Wells Fargo Autograph Journey℠ Card

  • Earn 60,000 bonus points when you spend $4,000 in purchases in the first 3 months – that’s $600 toward your next trip.

Earn unlimited 5X points on hotels. Earn unlimited 4X points on airlines. Earn unlimited 3X points on other travel and restaurants. Earn 1X points on other purchases.

21.24%, 26.24%, or 29.99% Variable APR

  • 5X Earn unlimited 5X points on hotels
  • 4X Earn unlimited 4X points on airlines
  • 3X Earn unlimited 3X points on other travel and restaurants
  • 1X Earn 1X points on other purchases

What we love: It offers a great rewards rate on hotel bookings and gives you a chance to earn a $50 annual statement credit with a $50 minimum airline purchase. Add in a solid rate on airline purchases, other travel and restaurants and this card carries great value as a standalone mid-tier card for occasional travelers. Alternatives: If you want to earn travel rewards but don’t actually spend much on hotels and airfare, the lower-tier Wells Fargo Autograph℠ Card is also worth a look. Though it earns also rewards on travel, it boasts a great mix of other practical everyday categories (including gas stations).

  • You can transfer points to Wells Fargo’s new list of airline and hotel partners, including popular programs like British Airways Executive Club, Choice Privileges and more, which could boost the redemption value of your rewards.
  • The $50 annual statement credit offsets more than half the card’s $95 annual fee and should be a cinch to earn if you fly at least once per year.
  • Wells Fargo only offers one other card that earns travel rewards (the Autograph), and there is some category overlap between the two, so they may not be as lucrative as some competing card stacks.
  • The card doesn’t carry some popular travel perks available on other mid-tier travel cards, such as credits for expedited airport security screening or rideshares.
  • Select “Apply Now” to take advantage of this specific offer and learn more about product features, terms and conditions.
  • Earn unlimited 5X points on hotels, 4X points on airlines, 3X points on other travel and restaurants, and 1X points on other purchases.
  • $95 annual fee.
  • Book your travel with the Autograph Journey Card and enjoy Travel Accident Insurance, Lost Baggage Reimbursement, Trip Cancellation and Interruption Protection and Auto Rental Collision Damage Waiver.
  • Earn a $50 annual statement credit with $50 minimum airline purchase.
  • Up to $1,000 of cell phone protection against damage or theft. Subject to a $25 deductible.
  • Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.

Best no-annual-fee hotel card

Image of Hilton Honors American Express Card

Hilton Honors American Express Card

  • Earn 70,000 Hilton Honors Bonus Points plus a Free Night Reward after you spend $2,000 in purchases on the Hilton Honors American Express Card in the first 6 months of Card Membership. Offer Ends 7/31/2024.

Earn 70,000 points

Earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with hotels and resorts within the Hilton portfolio. Earn 5X Points per dollar on purchases at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations. Earn 3X Points for all other eligible purchases on your Card.

20.99%-29.99% Variable

  • 7X Earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with hotels and resorts within the Hilton portfolio.
  • 5X Earn 5X Points per dollar on purchases at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.
  • 3X Earn 3X Points for all other eligible purchases on your Card.

What we love: This card earns rewards in a terrific mix of everyday bonus categories, so it should be easy to rack up Hilton points even if you don’t spend a ton on hotel bookings. Since it charges no annual fee and provides a few Hilton Honors benefits like Silver status, it’s also a great fit if you’re new to hotel cards and want a single no-annual-fee option instead of juggling multiple rewards cards. Learn more: Why expert Holly Johnson loves the Hilton Honors American Express Card Alternatives: The American Express® Green Card could be more flexible since it lets you earn and redeem rewards on a much wider variety of travel purchases, including airfare and bookings with several hotel brands, not just Hilton. You can transfer points to the Hilton Honors program as well, but the Hilton Honors American Express Surpass® Card may be better if you prefer upgraded Hilton-specific rewards, loyalty status and other perks.

  • Comes with automatic Silver Elite status, which includes a free fifth award night when you book at least four consecutive nights with points.
  • Earns rewards in three of the average person’s biggest spending categories, making it a terrific standalone option for earning Hilton points.
  • A higher-tier Hilton card would earn more on Hilton bookings and could be more lucrative for frequent guests, even with an annual fee.
  • You can only redeem points with Hilton and its partners, which limits the rewards value you earn on the everyday categories compared to a general-purpose cards’ rewards.
  • Earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with hotels and resorts within the Hilton portfolio.
  • Earn 5X Points per dollar on purchases at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.
  • Earn 3X Points for all other eligible purchases on your Card.
  • Enjoy complimentary Hilton Honors™ Silver status with your Card. Plus, spend $20,000 on eligible purchases on your Card in a calendar year and you can earn an upgrade to Hilton Honors™ Gold status through the end of the next calendar year.
  • No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.
  • No Annual Fee.

Best for luxury hotel perks

Image of Marriott Bonvoy Brilliant® American Express® Card

Marriott Bonvoy Brilliant® American Express® Card

  • Earn 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership.

Earn 95,000 Marriott Bonvoy bonus points

  • Earn 6X Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in Marriott Bonvoy®. 3X points at restaurants worldwide and on flights booked directly with airlines. 2X points on all other eligible purchases.
  • 6X Earn 6X Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in Marriott Bonvoy®
  • 3X 3X points at restaurants worldwide and on flights booked directly with airlines
  • 2X 2X points on all other eligible purchases

What we love: Frequent Marriott guests looking for luxury card-level perks and elite status should be able to justify this premium card. Along with a terrific rewards rate on Marriott bookings and an annual free night award, you could enjoy generous annual credits for restaurant purchases and Marriott property stays, airport lounge access, elite night credits and more. Learn more: Best Marriott credit cards Alternatives: If you’re looking for top-tier travel perks but want the flexibility to earn and redeem rewards for stays at any hotel chain, consider an elite travel card from Chase or Amex, which can come with generous travel benefits, airport lounge access and the ability to transfer points to Marriott. The Capital One Venture X Rewards Credit Card is another lucrative alternative.

  • Outperforms other Marriott cards with its boosted rewards on travel-related categories and 21X points at Marriott Bonvoy hotels, thanks to the automatic Platinum Elite status.
  • It’s one of the only hotel cards that includes complimentary Priority Pass lounge access, top travel protections and credits for expedited airport security screening.
  • Unlocking some of the card’s best perks — like Five Suite Night Awards — requires a $60,000 annual spend, which may be tough to reach even for frequent Marriott guests.
  • Unless luxury perks are at the top of your wishlist, the annual fee may not be worth it and a lower-tier hotel card may offer more value overall.
  • $300 Brilliant Dining Credit: Each calendar year, get up to $300 (up to $25 per month) in statement credits for eligible purchases made on the Marriott Bonvoy Brilliant® American Express® Card at restaurants worldwide.
  • With Marriott Bonvoy Platinum Elite status, you can receive room upgrades, including enhanced views or suites, when available at select properties and booked with a Qualifying Rate.
  • Free Night Award: Receive 1 Free Night Award every year after your Card renewal month. Award can be used for one night (redemption level at or under 85,000 Marriott Bonvoy points) at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees.
  • Each calendar year after spending $60,000 on eligible purchases on your Marriott Bonvoy Brilliant® American Express® Card, you will be eligible to select a Brilliant Earned Choice Award benefit. You can only earn one Earned Choice Award per calendar year. See https://www.choice-benefit.marriott.com/brilliant for Award options.
  • $100 Marriott Bonvoy Property Credit: Enjoy your stay. Receive up to a $100 property credit for qualifying charges at The Ritz-Carlton® or St. Regis® when you book direct using a special rate for a two-night minimum stay using your Card.
  • Fee Credit for Global Entry or TSA PreCheck®: Receive either a statement credit every 4 years after you apply for Global Entry ($100) or a statement credit every 4.5 years after you apply for a five-year membership for TSA PreCheck® (up to $85 through a TSA PreCheck official enrollment provider) and pay the application fee with your Marriott Bonvoy Brilliant® American Express® Card. If approved for Global Entry, at no additional charge, you will receive access to TSA PreCheck.
  • Each calendar year with your Marriott Bonvoy Brilliant® American Express® Card you can receive 25 Elite Night Credits toward the next level of Marriott Bonvoy® Elite status. Limitations apply per Marriott Bonvoy member account. Benefit is not exclusive to Cards offered by American Express. Terms apply.
  • Enroll in Priority Pass™ Select, which offers unlimited airport lounge visits to over 1,200 lounges in over 130 countries, regardless of which carrier or class you are flying. This allows you to relax before or between flights. You can enjoy snacks, drinks, and internet access in a quiet, comfortable location.
  • No Foreign Transaction Fees on international purchases.
  • With Cell Phone Protection, you can be reimbursed, the lesser of, your repair or replacement costs following damage, such as a cracked screen, or theft for a maximum of $800 per claim when your cell phone line is listed on a wireless bill and the prior month's wireless bill was paid by an Eligible Card Account. A $50 deductible will apply to each approved claim with a limit of 2 approved claims per 12-month period. Additional terms and conditions apply. Coverage is provided by New Hampshire Insurance Company, an AIG Company.
  • $650 Annual Fee.

Best for transfer partners

Image of Bilt Mastercard®

Bilt Mastercard®

Intro offer is not available for this Wells Fargo credit card.

3x points on dining. 2x points on travel. 1x points on other purchases. Earn up to 1x points on rent payments without the transaction fee, up to 100,000 points each calendar year. When you make at least 5 posted transactions in a statement period using your Bilt Mastercard, you'll earn points on rent and qualifying net purchases.

1X Points - 3X Points

  • 3X Points 3x points on dining
  • 2X Points 2x points on travel
  • 1X Points 1x points on other purchases
  • 1X Points Earn up to 1x points on rent payments without the transaction fee, up to 100,000 points each calendar year. When you make at least 5 posted transactions in a statement period using your Bilt Mastercard, you'll earn points on rent and qualifying net purchases.

What we love: Not only is this card is a terrific choice for renters since it earns rewards and waives transaction fees when using it to pay rent, it’s also great for rewards strategists considering the extremely robust travel rewards program. You can earn rewards on travel and dining and your points carry a high value whether you redeem through the Bilt travel portal or one of the many airline and hotel transfer partners. Alternatives: If you like the Bilt card’s travel rewards program but don’t see yourself renting long term, consider the Chase Sapphire Preferred® Card. It earns generously on both travel and dining and also boasts high-value points and transfer partners. If the way you pay rent doesn’t incur credit card payment fees, a flat-rate card may also be worth weighing. 

  • It’s the only card that helps you avoid the fees typically associated with paying rent with a credit card.
  • Offers a solid collection of travel perks for a no-annual-fee card, including trip cancellation and interruption protection, trip delay reimbursement and other high-level travel protections.
  • You can only use rewards to cover rent, toward a future home down payment or for travel and shopping. Cash back isn’t an option.
  • There is no sign-up bonus. Most competing travel cards — even those with no annual fee — offer at least a $200 bonus.
  • $0 Annual Fee.
  • Earn up to 1x points on rent payments without the transaction fee, up to 100,000 points each calendar year.
  • 2x points on travel.
  • 3x points on dining.
  • 1x points on other purchases.
  • Earn points when you make 5 transactions that post each statement period.
  • When renting at a Bilt Alliance property, you can choose to have your rent payments automatically reported by Bilt to the three major credit bureaus each month; Experian™, TransUnion™, and Equifax™.

Best for gas

Image of Wells Fargo Autograph℠ Card

Wells Fargo Autograph℠ Card

  • Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value.

20,000 bonus points

Earn unlimited 3X points on restaurants, travel, gas stations, transit, popular streaming services and phone plans. Earn 1X points on other purchases.

20.24%, 25.24%, or 29.99% Variable APR

  • 3X Earn unlimited 3X points on restaurants, travel, gas stations, transit, popular streaming services and phone plans.

What we love: The Wells Fargo Autograph card is a great option for occasional travelers and households on the go looking to earn rewards while avoiding an annual fee and reduced redemption value for cash rewards. It’s one of a few entry-level travel cards to offer high, year-round bonus rewards for gas, dining, transit and other key travel needs. Learn more: Is the Wells Fargo Autograph worth it? Alternatives: If you’re looking for ways to maximize the value of your rewards, you should consider a travel card that lets you transfer your points to airlines or hotels, like the Bilt Mastercard® or Chase Sapphire Preferred® Card.

  • While some issuers only reward travel purchases made directly with airlines or through issuer portals, this card lets you shop around for the best deal on third-party travel sites and still earn extra rewards.
  • Carries decent perks such as rental car collision damage waiver coverage, roadside assistance and Visa Signature® Concierge benefits, like access to Visa’s Luxury Hotel Collection (terms apply).
  • Unlike with traditional travel cards, you cannot transfer your points to airlines or hotels
  • The travel perks and intro APR are weak compared to competing travel-oriented cards’ offers.
  • Select "Apply Now" to take advantage of this specific offer and learn more about product features, terms and conditions.
  • Earn unlimited 3X points on the things that really add up - like restaurants, travel, gas stations, transit, popular streaming services, and phone plans. Plus, earn 1X points on other purchases.
  • $0 annual fee.
  • 0% intro APR for 12 months from account opening on purchases. 20.24%, 25.24%, or 29.99% variable APR thereafter.
  • Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
  • Redeem your rewards points for travel, gift cards, or statement credits. Or shop at millions of online stores and redeem your rewards when you check out with PayPal.

Best for companion tickets

Image of Delta SkyMiles® Platinum American Express Card

Delta SkyMiles® Platinum American Express Card

  • Earn 85,000 Bonus Miles after you spend $4,000 in purchases on your new Card in your first 6 months of Card Membership.

Earn 85,000 miles

Earn 3X Miles on Delta purchases and purchases made directly with hotels. Earn 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets. Earn 1X Miles on all other eligible purchases.

  • 3X Earn 3X Miles on Delta purchases and purchases made directly with hotels.
  • 2X Earn 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets.
  • 1X Earn 1X Miles on all other eligible purchases.

What we love: The annual companion certificate on Main Cabin domestic flights (taxes and fees apply) comes with this card after the first year is valuable enough to justify the annual fee even if you’re just looking for great Delta perks to make travel smoother with a partner. Plus, the companion certificate is easier to obtain than other airline cards’ since it carries no spending requirement that must be met beyond the card’s annual fee. Alternatives: The American Express® Green Card could be a great alternative since it charges a lower $150 annual fee, lets you earn and redeem rewards on travel with any eligible airline (not just Delta) and offers credits for Loungebuddy lounge access and Clear Plus. You can even transfer points to Delta at a 1:1 ratio.

  • Boasts several valuable travel perks, including priority boarding, a free first checked bag and specialized annual credits for select rideshare services and reservations with Delta Stays and Resy.
  • Gets you closer to Medallion Status and discounts on in-flight purchases, complimentary upgrades, and more.
  • Its rewards rate on non-travel purchases is lacking — a general-purpose travel card could potentially offer better rewards value and flexibility for rewards travel outside Delta.
  • No longer offers complimentary Delta Sky Club lounge access as of this year, although airport lounge access is a staple perk for premium travel cards.
  • Receive a Companion Certificate on Main Cabin domestic, Caribbean, or Central American roundtrip flights each year after renewal of your Card. The Companion Ticket requires payment of government-imposed taxes and fees of no more than $80 for roundtrip domestic flights and no more than $250 for roundtrip international flights (both for itineraries with up to four flight segments). Baggage charges and other restrictions apply. See terms and conditions for details.
  • Receive $2,500 Medallion® Qualification Dollars each Medallion Qualification Year and get closer to Status with MQD Headstart.
  • Delta SkyMiles® Platinum American Express Card Members get 15% off when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
  • Earn $1 Medallion® Qualification Dollar for each $20 of purchases made on your Delta SkyMiles® Platinum American Express Card in a calendar year and get a boost toward achieving Medallion Status for next Medallion Year.
  • Earn 3X Miles on Delta purchases and purchases made directly with hotels.
  • Earn 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets and earn 1X Miles on all other eligible purchases.
  • Enjoy your first checked bag free on Delta flights.
  • Receive Zone 5 Priority Boarding on Delta flights; board early, stow your carry-on bag and settle in sooner.
  • Receive either a statement credit every 4 years after you apply for Global Entry ($100) or a statement credit every 4.5 years after you apply for a five-year membership for TSA PreCheck® (up to $85 through a TSA PreCheck official enrollment provider) and pay the application fee with your Delta SkyMiles® Platinum American Express Card. If approved for Global Entry, at no additional charge, you will receive access to TSA PreCheck.
  • Delta SkyMiles® Platinum American Express Card Members with an eligible ticket will be added to the Complimentary Upgrade list, after Delta SkyMiles Medallion Members and Reserve Card Members.
  • $350 Annual Fee.

Best starter airline card

Image of Southwest Rapid Rewards® Plus Credit Card

Southwest Rapid Rewards® Plus Credit Card

  • Earn 85,000 bonus points after spending $3,000 on purchases in the first 3 months from account opening.

Earn 85,000 points

Earn 2X points on Southwest® purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services; select streaming. Earn 2X points on Rapid Rewards® hotel and car rental partners. Earn 1X points on all other purchases.

  • 2X Earn 2X points on Southwest® purchases.
  • 2X Earn 2X points on local transit and commuting, including rideshare.
  • 2X Earn 2X points on internet, cable, and phone services; select streaming.
  • 2X Earn 2X points on Rapid Rewards® hotel and car rental partners.
  • 1X Earn 1X points on all other purchases.

What we love: This card’s anniversary bonus offers enough value to nearly offset the annual fee on its own, so it should be a terrific low-stakes option whether you’re new to airline cards or a regular Southwest flyer looking for a low-maintenance card. Plus, its sign-up bonus value is on par with the value you’ll get with much pricier airline and travel cards. Learn more: Southwest Rapid Rewards Plus benefits guide Alternatives: The Southwest Rapid Rewards® Priority Credit Card could offer better value overall, despite its $149 annual fee. It carries an annual $75 Southwest travel credit and 7,500 bonus points each year on your account anniversary — more than enough value to justify the higher fee.

  • You’ll automatically earn 3,000 Rapid Rewards points each year after your account anniversary, which could offset much of the card’s already-low annual fee.
  • Delivers the same hefty sign-up bonus as higher-tier Southwest cards.
  • Unlike several travel cards, it doesn’t carry rewards categories for popular everyday purchases like gas or dining.
  • It may not be the best Southwest value for frequent flyers since it poses a 3 percent foreign transaction fee and doesn’t offer perks like upgraded boardings or elite status benefits.
  • 3,000 anniversary points each year.
  • Earn 2X points on Southwest® purchases.
  • Earn 2X points on local transit and commuting, including rideshare.
  • Earn 2X points on internet, cable, and phone services; select streaming.
  • 2 EarlyBird Check-In® each year.
  • Earn 1 point for every $1 spent on all other purchases.

Best for savers

Image of Bank of America® Premium Rewards® credit card

Bank of America® Premium Rewards® credit card

  • Receive 60,000 online bonus points - a $600 value - after you make at least $4,000 in purchases in the first 90 days of account opening.

60,000 points

Earn unlimited 2 points for every $1 spent on travel and dining purchases. Earn unlimited 1.5 points for every $1 spent on all other purchases.

21.24% - 29.24% Variable APR on purchases and balance transfers

  • 2X Earn unlimited 2 points for every $1 spent on travel and dining purchases.
  • 1.5X Earn unlimited 1.5 points for every $1 spent on all other purchases.

What we love: If you do your banking with Bank of America and qualify for Preferred Rewards status, this card could provide an exclusive 25 percent to 75 percent rewards rate boost. The  rewards rates — 2X points on dining and travel, with 1.5X points on all other purchases — could increase to an incredible 3.5X on travel and dining with an unrivaled flat 2.62X points rate. Learn more: Why expert Sara Coleman loves the Bank of America Premium Rewards Card Alternatives: The similarly-priced Chase Sapphire Preferred® Card is one of the best alternatives thanks to its stellar travel protections, yearly bonus rewards and stronger rewards program. However, flat-rate cards like the Capital One VentureOne Rewards Credit Card or the Discover it® Miles card could be lucrative if you don’t think the $95 annual fee is worth it.

  • The $95 annual fee is relatively affordable for this card category thanks to the up to $100 in yearly airline incidental statement credits.
  • You can smooth out your travel experience with great benefits like credits toward TSA PreCheck or Global Entry and comprehensive travel insurance.
  • Attaining the highest rewards rate is not an easy feat, since you’ll need to hold significant funds in Bank of America accounts.
  • This card does not offer a few popular premium travel perks like lounge access.
  • Low $95 annual fee.
  • Earn unlimited 2 points for every $1 spent on travel and dining purchases and unlimited 1.5 points for every $1 spent on all other purchases. No limit to the points you can earn and your points don't expire as long as your account remains open.
  • If you're a Bank of America Preferred Rewards® member, you can earn 25%-75% more points on every purchase. That means you could earn 2.5-3.5 points on travel and dining purchases and 1.87 - 2.62 points on all other purchases, for every $1 you spend.
  • Redeem for cash back as a statement credit, deposit into eligible Bank of America® accounts, credit to eligible Merrill® accounts, or gift cards or purchases at the Bank of America Travel Center.
  • Get up to $100 in Airline Incidental Statement Credits annually and TSA PreCheck®/Global Entry Statement Credits of up to $100, every four years.
  • Travel Insurance protections to assist with trip delays, cancellations and interruptions, baggage delays and lost luggage.
  • No foreign transaction fees.

Best for first-year value

Image of Discover it® Miles

Discover it® Miles

  • Unlimited Bonus: Unlimited Mile-for-Mile match for all new cardmembers—only from Discover. Discover gives you an unlimited match of all the Miles you’ve earned at the end of your first year. You could turn 35,000 Miles to 70,000 Miles. There’s no signing up, no minimum spending or maximum rewards. Just a Miles-for-Miles match.

Discover Match®

Automatically earn unlimited 1.5x Miles on every dollar of every purchase.

18.24% - 28.24% Variable APR

  • 1.5X Automatically earn unlimited 1.5x Miles on every dollar of every purchase.

What we love: In addition to the exceptionally valuable Discover Match® , this card combines solid flat-rate rewards with consumer-friendly terms, like minimal fees and an equal value for both travel and cash back redemptions. Travelers who value simplicity will appreciate this card’s straightforward rewards and adaptability — even when you aren’t traveling. Learn more: Why expert Holly Johnson loves the Discover it® Miles Alternatives: The Capital One VentureOne Rewards Credit Card carries a more straightforward and still easy-to-reach welcome bonus. The VentureOne card also gives you the option of transferring miles to more than a dozen airline and hotel partners, which could increase the redemption value of your rewards.

  • All miles earned in your first year will be matched at the end of the year, which could make it one of the most valuable first-year offers for no annual fee.
  • Miles don’t lose value when they’re redeemed for cash back, which gives it a leg up over many travel rewards programs for occasional travelers.
  • You’ll miss out on pretty standard travel perks like travel insurance, and car rental damage protection.
  • The rewards structure lacks flexibility; you won’t be able to transfer your miles or use them to book travel.
  • Automatically earn unlimited 1.5x Miles on every dollar of every purchase
  • No annual fee
  • Turn Miles into cash. Or redeem as a statement credit for your travel purchases like airfare, hotels, rideshares, gas stations, restaurants and more.
  • 0% intro APR for 15 months on purchases. Then 18.24% - 28.24% Standard Variable Purchase APR will apply.
  • Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
  • Discover is accepted nationwide by 99% of the places that take credit cards.
  • Terms and conditions apply.

Best for fair credit

Image of Credit One Bank Wander® Card

Credit One Bank Wander® Card

Intro offer is not available for this Credit One Bank credit card.

Earn 10x points on eligible hotels and car rentals booked through the Credit One Bank travel partner site. Earn 5x points on eligible travel, dining, and gas. Earn 1x points on all other purchases.

29.74% Variable

  • 10X Earn 10x points on eligible hotels and car rentals booked through the Credit One Bank travel partner site
  • 5X Earn 5x points on eligible travel, dining, and gas
  • 1X Earn 1x points on all other purchases

What we love: The Credit One Bank Wander® Card is a solid option if you want to earn points on travel but have trouble qualifying for mainstream travel cards. Not only is this card accessible with only fair credit, but its rewards program boasts generously high rewards rates in key travel categories. Learn more: Best travel cards for people with bad or fair credit Alternatives: If you don’t mind putting down a refundable security deposit, consider a no-annual-fee secured card like the Bank of America® Customized Cash Rewards Secured Credit Card *. It’s a unique secured card that lets you build credit while earning rewards in a category of your choice (with travel just one of many popular options) as well as grocery stores and wholesale clubs.

  • It’s one of the only travel rewards cards available with a fair credit score, making it a decent option if you want to earn travel rewards as you work on your score.
  • Provides 5X points in travel, dining and gas, plus 10X points on eligible hotel and rental car bookings through Credit One Bank — rare and impressive rates with only fair credit.
  • Its annual fee is high compared to other cards you can get with a fair credit score , so it may not be the best fit if you prioritize building credit over earning rewards.
  • Other travel cards may offer better perks, fewer redemption restrictions and more value, so it may be worth working on your score with a lower-cost card before committing to the costly annual fee.
  • Earn 10x points on eligible hotels and car rentals booked through the Credit One Bank travel partner site
  • Earn 5x points on eligible travel, dining, and gas
  • Earn 1x points on all other purchases
  • Redeem your reward points for statement credits, gift cards, merchandise, flights, hotels, and more
  • With $0 Fraud Liability, you won’t be responsible for unauthorized charges
  • Free Online Credit Score and Credit Report summary, terms apply
  • If you are a Covered Borrower under the Military Lending Act, you may get a different offer
  • See Rates & Fees

Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit  AmericanExpress.com/benefitsguide  for more details. Underwritten by Amex assurance company.

The information about the American Express® Green Card and Bank of America® Customized Cash Rewards Secured card has been collected independently by Bankrate.com. The card details have not been reviewed or approved by the card issuers.

Compare Bankrate's best travel credit cards of 2024

What are travel credit cards.

Travel credit cards allow cardholders to earn points or miles on a variety of purchases (typically travel-related), which are redeemable for travel bookings, statement credits, gift cards and more.

The best travel credit cards do more than help you foot the bill for your next flight — travel cards also offer perks to upgrade your entire travel experience. Trip insurance , annual travel credits, concierge services and lounge access are all common benefits. Airline and hotel co-branded credit cards sometimes offer specific discounts and perks for loyalty program members.

Pros and cons of travel credit cards

Although a well-chosen travel card can pay huge dividends, it might not be the right move for every traveler. Before you apply, take time to weigh the benefits versus the drawbacks of travel credit cards .

Tips on choosing the best travel credit card for you

The right travel credit card for you will carry features and benefits that give you the best value. To help you narrow down your choices, here are the steps to choosing the best travel card.

How to choose a travel credit card

1. know how you prefer to travel.

Knowing whether your travel expenses lean toward airfare, hotel stays or a mix of other travel will help you decide whether you should get an airline card, hotel card or general-purpose travel card. A co-branded airline or hotel credit card may be a good fit if you mostly travel with a certain brand and want exclusive privileges to enhance your experience. A general-purpose travel card is better if you prefer to keep your travel options open.

2. Prioritize redemption value

You may have to pick between simplicity and maximum value when comparing cards and rewards programs. Many travel cards offer a standard point or mile redemption value of 1 cent when you redeem toward travel through the issuer portal, but some cards can get you a higher redemption value when you transfer rewards to airline or hotel partners. However, it's common for many travel reward programs to reduce the redemption value toward non-travel options or limit these redemption options altogether. If you prefer simplicity over maximizing rewards, you may want to consider cards that allow you to redeem points or miles at an equal 1-cent value toward general travel purchase credits, cash back or other non-travel options.

3. Match your card to your spending habits

Take a look at your typical spending and find which travel categories and non-travel categories you spend the most in to help you choose a card that offers a high rewards rate for your regular spending. Just make sure you factor in rewards spending caps.

4. Note what's worth the extra money

High rewards rates and valuable travel perks are the biggest reasons to get a travel card, but many of the best cards carry a high annual fee. You could stick with a no-annual-fee travel card (or at least one with around a $99 fee) if you're mainly focused on earning rewards, but you may have to pay up to $500 or more for luxurious perks like airport lounge access, comprehensive travel insurance and hundreds of dollars in annual travel credits .

5. Look toward your next trip abroad

If you travel overseas, check to see if the card you're considering charges a foreign transaction fee. And since some credit cards aren't as widely accepted as others, you'll also want to make sure your credit card will work when traveling overseas . For example, merchants may not accept Discover and American Express cards as widely as Visa and Mastercard. If a trip is coming up in the next three to six months, keep an eye out for the big sign-up bonuses travel cards are known for. As a rule of thumb, the higher the annual fee, the higher the sign-up bonus should be.

Co-branded travel cards vs. general travel cards

Experts typically divide travel credit cards into two categories: co-branded travel cards and general travel cards. Co-branded cards are linked to a particular airline or hotel, while general travel cards offer more flexible reward opportunities. Here’s why and when you might want one or the other.

  • Co-branded cards
  • General travel cards

Co-branded travel cards tend to offer higher rewards rates on eligible travel purchases in exchange for limiting your reward redemption options to just one airline or hotel program . These cards may also feature more specific perks associated with the respective hotel or airline, such as free award nights, complimentary airline elite status or priority boarding — which general-purpose travel cards don’t often carry).

However, you won’t be able to use your rewards with a wide variety of different hotels and airlines like general-purpose cards allow. Plus, despite co-branded travel cards’ typically higher rewards rates, many brand-specific rewards tend to be worth less than the potential value of general-purpose cards’ points and miles.

When to get a co-branded travel card : When you often fly or stay with a specific airline or hotel and want to maximize your benefits with that brand.

General travel cards earn rewards on various travel categories and aren’t limited to a particular airline or hotel. Such cards may lack some of the dedicated perks you’ll find on a co-branded travel card, such as in-flight discounts, but make up for it with rewards flexibility and broader perks like general travel credits, expedited security screening and wider airport lounge access. 

The top travel cards even let you transfer your points or miles to airline and hotel loyalty programs, often at a 1:1 rate. Redeeming with some airlines and hotels can even make your rewards more valuable than they would be if you redeemed with the card issuer.

When to get a general travel card : When you have no preferred airline or hotel and want the additional flexibility a general travel card offers. 

Who should get a travel credit card?

A travel credit card is almost always worth it for frequent travelers or anyone who wants to earn rewards toward their next vacation.

If you can save up airline miles, rack up points for free nights at hotels or get discounted travel through your credit card issuer, you’re on your way to significant travel savings. However, the right travel card for you will depend on your travel habits.

Frequent travelers

Naturally, the ideal candidate for a travel card is someone who travels a lot or plans to book several flights and hotel stays per year. However, in some cases, you don’t have to be a frequent traveler to reap the benefits of a travel rewards card. A number of cards offer good rewards rates on general purchases.

Travel beginners

If you’re new to travel rewards, a good place to start is with a travel card that makes it easy to earn and redeem points, without requiring you to navigate a complex rewards program or worry about tiered rewards rates or varying point redemption values. 

Brand loyalists

If you tend to book travel with the same brands frequently or already belong to an airline or hotel loyalty program, a co-branded travel card can offer terrific value.  Airline- and hotel-specific rewards cards often earn a top rate on bookings with the brand as well as exclusive perks like lounge access and automatic elite status. 

Business travelers

Some of the most valuable travel credit cards are business cards . Whether you're a freelancer on the go or the CEO of a Fortune 500, the right travel credit card can help you earn high rewards rates on everyday business purchases. 

International travelers

If you frequently travel abroad, a card with no foreign transaction fees is a great way to help you avoid extra costs on overseas purchases. Plus, if you hate waiting in line at airport security or customs, a lot of travel cards offer statement credits to reimburse you for Global Entry or TSA PreCheck application fees.

Luxury travelers

Luxury travel cards often charge a pretty penny but also offer a ton of value via perks like lounge access and annual travel credits. These perks not only make travel more comfortable, but also often carry enough value to offset the card’s cost on their own.

Still unsure if a travel credit card is right for you? Check out our Credit Card Spender Type Tool where you can get personalized credit card recommendations based on your credit score, spending habits and daily needs.

Here’s how a Bankrate editor chose his travel card

Here’s how a bankrate editor chose his travel card.

With all of this advice in mind, let’s see how a credit card expert made their pick. Here’s Bankrate editor Nouri Zarrugh on how he chose his travel card:

When it comes to earning rewards, I’ve always stuck with cash back cards, preferring the simplicity of knowing exactly how much my rewards are worth and the ease of redeeming for statement credits. Recently, though, I decided I wanted to travel a bit more frequently, and I figured a new travel rewards card could be a great tool to help me earn free trips. When choosing the right card for me, a few major points of consideration stood out: Cost: I didn’t feel like I traveled enough to justify a huge annual fee. Simplicity : I wanted to stick with a single, streamlined travel card and not worry about juggling multiple rewards programs or rewards rates. Perks : While I didn’t need anything too fancy, I thought it might be nice to have a perk like TSA Precheck included, since I hate waiting in long airport security lines. To my surprise, the card that stood out most was the Capital One Venture X Rewards Credit Card. Though it carried an intimidating annual fee of $395 ( See Rates & Fees ), I found this cost was more than worth it once I dug into the details. In fact, its benefits were so valuable, I barely needed to worry about offsetting the cost.  Two of its annual perks — a $300 Capital One travel credit and 10,000 bonus miles every year on my account anniversary — are valuable enough to offset the fee on their own. This means as long as I take one flight a year, I can basically break even on the card. Any rewards or perks I get beyond that feel like pure upside. It’s a huge bonus, then, that the card also includes practical benefits like Priority Pass lounge access and a credit of up to $100 toward the cost of Global Entry or TSA PreCheck. While I’ve never frequented airport lounges, I see these privileges as essentially free considering the value of the annual travel credit and bonus miles. So, I figure, why not take advantage?  For me, the Venture X strikes the perfect balance: A flat rewards rate that makes it easy to earn miles on everything I buy; flexible redemption through Capital One or via transfer to airlines and hotels, and practical perks I know I’ll use when I travel. I never imagined I’d have a $395 travel card in my wallet, but for me, it’s at worst a coupon for a flight every year, which can nudge me to take that next trip. — Nouri Zarrugh, Editor, Bankrate

Travel benefits may differ from card to card, but some of the most popular travel cards available often feature a few key perks. 

Travel insurance

Travel cards may offer various travel insurances , such as trip delay protection, trip cancellation insurance, lost baggage insurance or car rental insurance. These benefits aren’t worth anything until you need them, but you’ll be glad you have them when your flight is canceled or your luggage gets lost.

Travel credits

Credits toward TSA PreCheck or Global Entry are a popular and common benefit on many travel cards. You can typically use this credit once every four years, which roughly corresponds to how long a TSA PreCheck or Global Entry membership lasts. Some cards may also provide an annual credit toward Clear Plus — another expedited security membership. Higher-end travel cards often offer annual statement credits toward travel purchases, and many of these credits nearly offset these cards’ annual fees. 

In-flight perks

Co-branded airline cards typically offer some airport and in-flight benefits on top of their reward-earning capabilities. These can include discounts on in-flight purchases (usually 25 percent back on refreshments and WiFi), free checked bags, flight seating upgrades or priority boarding. 

Free hotel award nights

Co-branded hotel cards may include free hotel award nights annually as part of their benefits. Some cards also add an extra complimentary awards night to your stay if you’ve booked a certain number of consecutive nights. These nights are typically capped at a certain value (sometimes based on the card or your elite status), and may be valuable enough to make up for some cards’ annual fees.

Airport lounge access

One of the most popular (and valuable) travel benefits featured on high-end and luxury travel cards is complimentary access to airport lounges. The lounges you gain access to depend on the card, though co-branded cards will often grant access to the lounge corresponding to the card’s airline. The Amex Platinum card currently offers the best airport lounge access .

If you want to add a credit card to your portfolio for your travel needs, knowing what cards are popular and why people like them can help steer your decision. We regularly stay abreast of these conversations online and noticed two travel cards come up regularly: the Chase Sapphire Reserve and The Platinum Card from American Express .

These cards shine because they offer some of the best rates on travel purchases and the most comprehensive set of benefits and perks . Despite their annual fees, what you get in return can far outweigh your costs. And the conversation around these two cards isn’t new: Is the effort of maximizing their perks worth it?

What people say about travel credit cards perks

The Sapphire Reserve is often referred to as the gold standard in travel benefits and protections, and the value of its trip insurance is a big part of that. A member of the Rick Steves Forum remarks on the value of the insurance: “It has pretty extensive coverage wherever I travel … my entire trip is covered as long as I charged any portion of the trip to my card.” This feature is unique to the Sapphire Reserve and sets it apart from other premium cards, which require you to charge your entire trip purchase to the card to have active coverage.

But using trip insurance isn’t always a simple process. As a user in the r/CreditCards forum on Reddit cautions: “Credit card travel insurance in general is very specific on what it covers, and people tend to overestimate just how useful the coverage actually is,” they write. “These are named peril policies, so unless you see your exact situation as a covered hazard the policies won't pay out.”

The Platinum Card from American Express gets a lot of buzz for reasons similar to the Sapphire Reserve. The card gives so many benefits, credits and additional perks that it’s often called a coupon book for luxury travel. But for many people, the value comes down to whether they’re willing to do the work to maximize its features. Another r/CreditCards member says they use the card’s Hilton and Marriott status boosters, rental car company loyalty program automatic status features, Centurion lounge access, hotel and airline incidental credits, membership credits and more. Using all these features helps them offset the annual fee.

While some people love maximizing the card’s features to extract  as much value as possible, others, like this Redditor, think it’s too much work:

“The only benefit the Platinum card really adds is Centurion but only to the [cardholder] … I believe the Platinum is worth [it] at least the first year for the [sign-up] bonus but then it doesn't get much use after that. Trust me the credits are really annoying to use.” — r/CreditCards user

These two premium cards stand out from the rest because they offer the most comprehensive features available to suit your travel needs and protect you from any issues that arise. The Chase Sapphire Reserve is an exceptional option to protect you from travel issues, but make sure you know the fine print. While the Amex Platinum may not be as ideal for travel protections, the credits offered more than offset its annual fee if you can put in the effort to fully maximize them.

Whether you’re a beginner or seasoned cardholder, your travel card should always work in your favor by offering the features and benefits you’ll actually use and that make your travels more enjoyable. But whether you’re willing to put in the effort to maximize a card’s value is something you’ll need to decide for yourself.

*The quotes and citations included on this page have been verified by our editorial team and are accurate as of the posting date. Be sure to check the issuer's website/terms and conditions for all up to date content. Outlinked content may contain views and opinions that do not reflect the views and opinions of Bankrate.

Credit card points and miles are two of the key types of credit card rewards , along with cash back. You’ll earn points and miles by making purchases with your credit card, but you can typically redeem these rewards for travel, gift cards and more — not just statement credits.

Points and miles tend to be more flexible than cash back, but since their value depends on how you redeem them — and, in the case of travel redemptions, where you’re going, when you book, your fare class and more — it may take a bit more effort to make the most of them.

What are your points and miles worth?

Since many airlines and hotels use dynamic pricing models that continually optimize airfare and room prices, it can be hard to know exactly how much your rewards are worth without doing a little math.

Luckily, you don’t need to be a travel hacker to get a sense of this idea. Before you redeem, you can check your reward redemption value by dividing the cost of a plane or hotel booking in cash by its cost in points or miles. This calculation will result in the cash value of your points or miles.

You can also compare this value to Bankrate’s latest points and miles valuations to determine if you’re getting a good deal on your redemptions. Bankrate collected data on hundreds of bookings across dozens of airline, hotel and credit card rewards programs and estimated how much each program’s rewards are worth on average .

  • Airline rewards values
  • Hotel rewards values
  • Credit card program rewards values

The table below shows Bankrate’s estimated reward redemption value for a variety of popular airline loyalty programs. You’ll notice how widely the value varies between airlines, with some offering close to 3 cents per point in average redemption value and others struggling to meet a 1-cent-per-point value.

Keep in mind, however, that these values are averages based on a variety of fare classes, destinations, booking periods and more. For example, while Bankrate estimates Delta SkyMiles carry an average redemption value of around 1.2 cents per mile, they could be worth more or less depending on the details of your booking. 

*Based on weighted average of median point/mile values across economy and first/business class fares.

Like airline miles, hotel points fluctuate in value. The table below shows Bankrate’s estimated point values for some of the most popular hotel brands. 

As you can see, hotel points tend to be worth less than airline and credit card rewards on average, often carrying less than 1 cent per point in redemption value. That said, hotel loyalty programs sometimes offer more favorable exchange rates when you transfer rewards from a credit card rewards program. For example, you may be able to turn 1,000 credit card points into 2,000 hotel points (a 2:1 transfer ratio). 

*Based on median point values across budget, mid-tier and luxury hotel bookings.

Unlike hotel and airline rewards programs, credit card reward programs typically earn points or miles that offer a consistent redemption value when you use them with the issuer. Though the redemption value of your rewards may vary based on how you redeem, each redemption method should offer a consistent baseline value. 

Some credit card rewards programs may also allow you to transfer your points or miles to airline and hotel loyalty programs, which could boost their value considerably. For each major credit card rewards program, we estimate a baseline redemption value (assuming you book for travel with the issuer) and a Bankrate’s Value, which averages the program’s best-value transfer partners.

*Based on an average of the issuer’s five highest-value transfer partners (if available).

When to use rewards vs. cash

To demonstrate when it’s best to use your reward miles versus paying in cash, we set up this example:

We estimate American Airlines AAdvantage miles are worth 1.0 cents. If you book a seat in the main cabin on a one-way flight from Boston to Miami, and it costs either $139 or 21,500 miles, your miles are only worth $0.006 ($139 / 21,500 miles = $0.006). Since your miles for this flight are worth less than 1.0 cents, you may want to save your miles and pay cash for this flight.

But if you book a first-class seat on the same flight for $433 or 31,500 miles, your miles are now worth $0.013 ($433 / 31,500 = $0.013). Since 1.3 cents is higher than our latest valuation, you’re coming out ahead if you use your miles to pay for this flight.

Bankrate experts share their advice on using travel credit cards

It’s important to know how to maximize your rewards and perks. Otherwise, a travel card could end up being a money pit. Here are a few pointers from our experts for making the most of your travel card: 

Combine cards to maximize rewards

Knowing how much you spend in different categories and which merchants are eligible for rewards will help you earn more and build an optimized stack of rewards cards. A flat-rate card is often a great starting point to earn the same rate on every purchase you make. As you build out a rewards strategy, you can incorporate a card with bonus categories to earn even more in your highest spending areas.

Expert Insight:

“For a long time, I’ve used a combination of Chase credit cards known as the Chase trifecta for all my family’s spending…. [I] don’t typically use my Sapphire Reserve for everyday spending and bills. Since it only offers 1X points on non-bonus category spending, I use my Freedom Unlimited to make sure I earn a minimum of 1.5 percent cash back on everything I buy.” “I use each card strategically to earn as much in rewards as possible, then I pool them in my Sapphire Reserve account to redeem them for airfare, excursions, hotels and more.” — Holly D. Johnson — Award-winning personal finance writer and Bankrate contributor: Why I love the Chase Sapphire Reserve

Maximize your rewards value with transfer partners and issuer travel

Save your rewards for the most valuable redemption options. Travel points and miles often lose value toward non-travel options like cash back, so you’ll want to redeem your rewards for travel through the issuer portal for at least 1 cent per point or mile. However, transferring your rewards to the right airline or hotel partner program is usually worth the extra effort since it could net you even more value.

Expert Insight

“When I redeem my points through the Chase Ultimate Rewards program, the most I can get is 1.25 cents apiece, which is pretty good. However, if I transfer them to a partner airline’s loyalty program, I will often get much more. For example, I can transfer my points to United Airlines MileagePlus and use them to pay for flights. When I do, I generally get a value of 2 or more cents per point — in line with Bankrate estimates that Chase Ultimate Rewards points are worth around 2 cents apiece on average when used with the right transfer partner.” — Margaret Wack — Personal finance expert and Bankrate contributor: Why I love the Chase Sapphire Preferred Card

Make the most of your travel perks

Travel benefits are one of the main reasons to get a travel card, and are often key to making up a card’s annual fee. Be sure to read the fine print to make sure you can take full advantage of these offers . For example, one card’s travel credit may apply to any travel purchase, including airfare, while another card’s may only cover costs like baggage fees or in-flight purchases. 

“This is the year to take inventory of your credit cards and make sure they’re serving you well. If you’re paying an annual fee, look for a card with recurring benefits. Whether it’s annual award nights, waived luggage fees or elite status benefits, these perks can offset your annual fee and make your travels more pleasant … Despite putting minimal spending on my Hilton Honors Amex Aspire card, I keep renewing it every year. That’s because the card provides automatic Hilton Diamond elite status, which can easily offset the $550 annual fee. Recurring card benefits like [these] can save you a lot on travel and are worth considering when shopping for a new credit card.” — Ariana Arghandewal — Travel rewards expert and Bankrate contributor: Five benefits you need from a travel credit card

Plan for the sign-up bonus

The best travel cards come with generous welcome offers, but these bonuses may require a high spend in a short timeframe. That’s why it’s important to consider whether the spending requirement fits with your typical spending habits or whether you need to plan purchases to meet the requirement. Just be sure not to overextend yourself or take on debt you can’t pay back just to earn a bonus — interest and fees can easily eat through any value you’d get.

“Keep in mind that credit card sign-up offers change often. So if you’re interested in a particular card but not blown away by its current offer (there are some for 100,000 points or more that aren’t always worth the trouble), it could be worth your while to wait for a better one.” — Ariana Arghandewal — Travel rewards expert and Bankrate contributor: 6 ways to get bigger credit card bonuses

Look out for limited-time offers, partner perks and other benefits

Keeping an eye out for limited-time offers like extraordinarily high sign-up bonuses, perks with partner services (like rideshares or delivery services) and other reward-earning opportunities is a great way to squeeze the most value from your travel card. Issuers sometimes provide shopping and travel portals and card-linked reward programs for select purchases (like for pre-paid dining or participating merchant spending), which can help you bank extra rewards.

“Keep an eye on your email inbox and rewards portal for any limited-time promotions your issuer may be offering. Many American Express cards feature Amex Offers, which lets you access perks like statement credits for spending a certain amount on specific hotels and other retailers.  Other cards, like the Capital One Venture X, also have occasional promotional offers, such as a credit for 5 percent back on VRBO rentals.” — Lori Zaino — Travel expert and Bankrate contributor: How to maximize credit cards for cheaper accommodations this holiday season

Track your spending and rewards each account statement

Track your favorite stores’ and services’ merchant category codes (MCCs) to fine-tune your spending habits for maximum rewards. If you notice your expenses changing, this practice may also help you notice whether you need to change which rewards cards you carry.

“The first step to optimizing your spending is to take the time to collect the MCCs of stores you frequently shop at. During the process, you might find that some stores in the same chain may have different MCCs, depending on their primary inventory. Even different counters or sections in the same department store may carry different MCCs. You can use this to your advantage if you know one location near you will provide a better cash back rate than the other. These “loopholes” can provide great opportunities to reap cash back on purchases that typically wouldn’t earn rewards.” — Garrett Yarbrough — Writer and credit cards expert at Bankrate: Merchant category codes: How to earn more cash back

Our data: What credit score do you need for the best travel cards?

It’s no secret that your credit score heavily influences which cards you’re likely to get approval for. But how good does your credit need to be to get the best credit cards for travel? We analyzed our data of Bankrate readers who applied for credit cards on our pages in 2023 and compared the approval rates of readers’ different credit tiers.

We found that, on average, 61.9 percent of users with excellent credit were approved for travel cards on our site. Then, an average of 39.5 percent and 19.5 percent of users with good and fair credit, respectively, got approval for travel credit cards they applied to.

If you have fair or bad credit, you still have options for travel credit cards. For example, the Credit One Bank Wander Card caters to people with fair credit — 57 percent of people with fair credit who applied on our site in 2023 were approved for this card , according to our data.

Obviously, the better your credit, the more likely you are to get the card you apply for , but other factors can affect your application. Issuers may also consider your income, recent credit applications, homeownership status and monthly rental or mortgage payment. Keep these other factors in mind with your credit score when you apply for credit cards.

Have more questions for our credit cards editors? Feel free to send us an email , find us on Facebook , or Tweet us @Bankrate .

When evaluating the best travel cards, we consider a mix of factors, including how cards score in our proprietary card rating system and whether cards offer features that fit the priorities of a diverse group of cardholders, from earning rewards in popular categories to scoring a large sign-up bonus or high-value perks. Whenever possible, we also feature cards that are available at various credit levels and price points. 

We analyzed over 150 of the most popular cards and scored each based on its rewards rate, estimated annual earnings, welcome bonus value, APR, fees, perks and more to determine whether it belonged in this month’s roundup of the best travel cards.

Here’s a quick breakdown of the key factors in our rewards card scoring methodology — our primary scoring category for travel cards — and details we considered when putting together our list of the best travel cards.  

  • Flexibility 15%
  • Customer experience 5%

Great rewards value

The primary criteria for a rewards-earning card’s rating is its rewards value. This includes the card’s average rewards rate, estimated annual rewards earnings, sign-up bonus value and reward redemption value.

To estimate a card’s average annual rewards earnings, we first calculate its average rewards rate based on how much it earns in different bonus categories and how closely its categories align with the average person’s spending habits. In other words, we assess whether the card earns rewards at a high rate in the most popular spending categories. 

We use consumer spending data from the Bureau of Labor Statistics (BLS) to get a reliable third-party measure of people’s spending habits. The most recent BLS data estimates average total spending in 2022 was $72,967 per consumer. We then narrow our focus to which purchases are likely to be put on a credit card and earn rewards, subtracting expenditures like housing, vehicle purchases and education. This gives us a total “chargeable” annual spend of around $25,500.  

This includes the following spending by category:

  • Groceries: $5,700
  • Dining out: $3,600
  • Entertainment: $2,400
  • Gas: $3,100
  • Apparel and services: $1,900

Using this data, we assign a weighting to each of a card’s bonus categories. For example, a card’s grocery rewards rate receives a 22 percent weighting based on how much of the average person’s budget is spent on groceries.

We also estimate the redemption value of points or miles from various issuer, airline and hotel rewards programs.

This weighting and rewards valuation allows us to estimate a card’s average annual rewards earnings — how many points or miles you’d earn with a given card if your spending was about average and you used the card for all of your purchases — as well as what those points are worth. We also use point valuations to determine a card’s sign-up bonus value

With these calculations complete, we assign each card a score based on how its average rewards earnings, sign-up bonus value, rewards rate and redemption value stack up against other rewards cards.

The better these values, the higher its score will be, making it more worthy of inclusion in our list and increasing its potential ranking.

Reasonable rates and fees

We also score cards based on how much it costs to keep them in your wallet or carry a balance. 

To start, each card is scored based on whether it offers an intro APR and how its ongoing APR compares to the rates available on other rewards cards. However, the latter rating only has a slight influence on the card’s score and whether the card is included in our list, since rewards card users generally try to avoid carrying a balance.

More important to both a card’s score and its inclusion in our list is how its annual fee influences its overall value. We consider a card’s annual fee in two ways — how it ranks relative to the fees you’ll find on other cards in the category and how it impacts a card’s overall rewards value. 

Cards with an annual fee will always be at a slight disadvantage in our scoring system since annual fees inherently cut into your rewards value. However, if a card offers terrific value via its ongoing rewards and perks, it can earn a high score and a spot in our list even if it carries a high annual fee. After all, the highest rewards rates and most valuable perks are often found on cards with annual fees. 

With this in mind, we rate a card based primarily on how its ongoing rewards value and ongoing perk value (such as annual credits or bonuses) stack up against those of other cards in the category when you subtract annual fees.

That said, we strive to include as many no-annual-fee options in our list as possible since many people would rather not worry about offsetting fees, even if a card carries impressive rewards and perks.

Redemption flexibility

Rewards cards may make it easy to earn a lot of points, miles or cash back, but how easy is it to use those rewards? After all, if it takes a ton of effort to redeem rewards or you can only redeem rewards in a couple of ways, a card may be more trouble than it’s worth. 

As such, we rate each card’s flexibility based on the restrictions it imposes on earning and redeeming rewards. We factor this rating into a card’s overall score and consider it when deciding on a card’s inclusion in our list. 

Flexibility factors include whether a card only allows you to earn a high rewards rate on only a small amount of spending or requires you to meet a certain earning threshold before you can redeem rewards. We also examine whether your points are worth less when you opt for some redemption options over others and whether a card gives you the flexibility to transfer rewards to travel partners.

Valuable perks

We also score each card’s set of features – its perks and benefits — against five tiers of features to provide a rating. 

We break down these tiers as follows:

  • Tier 1 includes fewer features than even standard credit cards (for example, an ultra-streamlined card that offers basic utility and next to nothing in the way of ancillary benefits). 
  • Tier 2 includes the benefits you’d expect on standard Visa or Mastercard credit cards, such as free access to your credit score, car rental insurance and $0 liability for fraudulent charges. 
  • Tier 3 includes “prime card” or better-than-average card features like cellphone insurance, lost luggage insurance, concierge services and purchase protection. 
  • Tier 4 includes luxury features such as airport lounge access, elite status with an airline or hotel and credits for expedited security screening membership programs. 
  • Tier 5 includes the sort of exemplary benefits you’ll find on top-tier luxury cards, such as high-value travel credits, cardholder memberships and other unique and valuable perks.

In evaluating the best cards, we tend to favor cards that offer at least Tier 3 benefits, unless they include other unique features that could make up for less-impressive perks.

And since this list focuses on travel cards, we tend to favor cards that carry travel-centric features like travel insurance, airport lounge access and credits for expedited security screening, instead of more general perks like food delivery credits or shopping discounts.

More information on travel credit cards

Frequently asked questions about travel credit cards, are travel credit cards worth it.

Travel cards can be well worth it since they often have exclusive travel perks like credits for airfare, hotel stays, expedited airport security services and more, as well as complimentary airport lounge access and airline or hotel privileges. However, many of the best travel credit cards come with annual fees. It’s important to at least offset the cost of these cards by taking advantage of the various travel perks and features included on the card. 

What credit score do you need for a travel credit card?

It’s possible to get a travel credit card with bad or fair credit, but most travel rewards cards are geared toward people with good or excellent credit (a FICO score of at least 670, or a VantageScore of at least 661).

Do travel miles or points expire?

Even though many major credit cards earn rewards that don’t expire, you may lose your points and miles if your account closes or isn’t in good standing. However, some co-branded cards’ rewards may expire if you don’t earn or redeem rewards within a certain timeframe (typically 12 to 36 months after the rewards are earned).

Check out our guide to credit card rewards expiration for a thorough breakdown of several popular issuers’ policies.

Are points or miles better on a credit card?

Whether points or miles offer better value will depend on the specific rewards program and how you redeem rewards. One airline loyalty program may earn miles that offer less than 1 cent each in average redemption value while another program’s points may offer close to 3 cents each on average. Similarly, a hotel card’s points may be worth less than half of a credit card issuer’s rewards points. Some programs offer points with only average baseline redemption value but high value when transferred to a partner airline or hotel. 

Ask the experts: Is it a good idea to have multiple travel credit cards?

air canada travel credit card

Thomas Nitzsche

air canada travel credit card

Stephanie Zito

air canada travel credit card

Erica Sandberg

air canada travel credit card

Financial Educator, Debt and Credit

Whether you should have multiple travel credit cards depends on several factors, including your brand affinity, frequency of travel and ability to pay off your cards in full each month. As a credit counselor, I see many people carrying credit card debt at high interest rates while continuing to make charges to the account for the sake of earning rewards. They lose far more than they earn each month. Having more than one travel credit card could make sense for you if you’re able to maximize your earnings by strategizing spending across each card. Just take into account annual fees and actual interest paid.

Contributor, Personal Finance

If you’re up for managing multiple cards and their benefits, then there are definitely big reward payouts to be had. But if the thought of multiple cards is overwhelming, it’s also a good strategy to have one or two more flexible cards and focus on maximizing your earnings and redemptions until it becomes second nature.

air canada travel credit card

Contributor, Credit Cards

Definitely! I currently have two travel credit cards. In addition to the Chase card that I use for my United Airlines purchases, I have the Capital One Venture card for all other airlines. I earn a solid amount of miles on everything I buy with it, so it's an easy go-to for non-travel related expenses.

Article sources

We use primary sources to support our work. Bankrate’s authors, reporters and editors are subject-matter experts who thoroughly fact-check editorial content to ensure the information you’re reading is accurate, timely and relevant.

Global entry: Trusted traveler enrollment program . U.S. Customs and Border Protection. Accessed on June 12, 2024.

Discover International acceptance . Discover. Accessed on June 5, 2024.

“ Consumer Expenditures 2022 ,” U.S. Bureau of Labor Statistics. Accessed on June 12, 2024.

* See the online application for details about terms and conditions for these offers. Every reasonable effort has been made to maintain accurate information. However all credit card information is presented without warranty. After you click on the offer you desire you will be directed to the credit card issuer's web site where you can review the terms and conditions for your selected offer.

Editorial Disclosure: Opinions expressed here are the author’s alone, and have not been reviewed or approved by any advertiser. The information, including card rates and fees, is accurate as of the publish date. All products or services are presented without warranty. Check the bank’s website for the most current information.

Current credit card transfer bonuses: 20% bonus when transferring Chase points to Aeroplan

Kyle Olsen

If you truly want to maximize your points and miles, periodic transfer bonuses can offer lucrative opportunities for fantastic award redemptions . You can sometimes get significantly more value from your rewards by transferring them to a specific airline or hotel partner during one of these bonuses.

However, these are limited-time offers.

We've compiled the transfer bonuses for the major programs with transferable rewards to make tracking these offers easier. Just note that transfer bonuses are sometimes targeted, so some may not be available to you.

American Express Membership Rewards transfer bonus

air canada travel credit card

American Express has one active transfer bonus right now.

Amex is offering a 15% bonus when you transfer American Express Membership Rewards points to Avianca LifeMiles through the month of June. Since you can typically transfer Membership Rewards points to Avianca at a 1:1 ratio, this transfer bonus raises the value of 1,000 Membership Rewards points to 1,150 LifeMiles.

Just note that this bonus is being granted by Avianca, so you won't see it reflected in your American Express account.

How to earn American Express Membership Rewards points

You'll need Membership Rewards points to maximize Amex transfer bonuses. If you're looking to earn some of these valuable points, the following Amex cards could be useful additions to your wallet:

  • The Platinum Card® from American Express : Earn 80,000 Membership Rewards points after you spend $8,000 on your new card in your first six months of card membership.
  • American Express® Gold Card : Earn 60,000 Membership Rewards points after you spend $6,000 in your first six months of card membership.
  • The Business Platinum Card® from American Express : Earn 150,000 Membership Rewards points after you spend $20,000 on eligible purchases with your card in the first three months of card membership.

Check the CardMatch tool to see if you're targeted for an even higher welcome offer (subject to change at any time).

You can also earn extra Membership Rewards points when you enroll in Amex Offers and shop with Rakuten .

Based on TPG's June 2024 valuations , Membership Rewards points are worth 2 cents each, and our tests indicate that they transfer instantly to most of Amex's transfer partners.

Related: How to redeem American Express Membership Rewards for maximum value

Chase Ultimate Rewards transfer bonus

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This summer, you can transfer Chase Ultimate Rewards points to Air Canada Aeroplan with a 20% bonus. Since Ultimate Rewards points typically transfer to Aeroplan at a 1:1 ratio, this bonus means that 1,000 Ultimate Rewards points would turn into 1,200 Aeroplan points.

If you're an Aeroplan® Credit Card holder, you can stack the current transfer bonus with the 10% bonus you'd normally get when transferring 50,000 or more Chase points. So if you transferred 50,000 points to Aeroplan, you'd get a 30% bonus, for a total of 65,000 Aeroplan points.

This Chase Ultimate Rewards transfer bonus expires July 31.

How to earn Chase Ultimate Rewards points

If you want to earn more Chase Ultimate Rewards points, the following Chase cards could make good additions to your wallet:

  • Chase Sapphire Reserve® : Earn 60,000 bonus points after you spend $4,000 on purchases in the first three months from account opening.
  • Chase Sapphire Preferred® Card : Earn 60,000 bonus points after you spend $4,000 on purchases in the first three months from account opening.
  • Ink Business Preferred® Credit Card : Earn 100,000 bonus points after you spend $8,000 on purchases in the first three months of account opening.

If you have one (or more) of the above cards, you can combine your Ultimate Rewards points in a single account . Then, you can effectively convert the cash-back earnings on the following cards into fully transferable Ultimate Rewards points:

  • Chase Freedom Flex® : Earn $200 cash back after spending $500 on purchases in the first three months of account opening.
  • Chase Freedom Unlimited® : Earn an additional 1.5% cash back on everything you buy in the first year (on up to $20,000 spent), worth up to $300 cash back.
  • Ink Business Cash® Credit Card : Earn up to $750 bonus cash back: $350 after you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months from account opening.
  • Ink Business Unlimited® Credit Card : Earn $750 bonus cash back after you spend $6,000 on purchases in the first three months from account opening.

According to TPG's June 2024 valuations, Chase Ultimate Rewards points are worth 2.05 cents each when maximized with travel partners. Most Ultimate Rewards transfers will process instantly.

Related: How to redeem Chase Ultimate Rewards points for maximum value

Capital One miles transfer bonus

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Capital One does not have any active transfer bonuses at this time.

How to earn Capital One miles

For future transfer bonuses, the following Capital One cards are good options to consider:

  • Capital One Venture X Rewards Credit Card : Earn 75,000 bonus miles when you spend $4,000 on purchases in the first three months from account opening.
  • Capital One Venture X Business : Earn 150,000 bonus miles after spending $30,000 in the first three months from account opening.
  • Capital One Venture Rewards Credit Card : Earn 75,000 bonus miles when you spend $4,000 on purchases in the first three months from account opening.
  • Capital One Spark Miles for Business : Earn 50,000 bonus miles after spending $4,500 on purchases in the first three months of account opening.

TPG's June 2024 valuations peg Capital One miles at 1.85 cents apiece, and most transfers from Capital One will process instantly.

For more details, check out our guides to the Capital One transfer partners and how to transfer Capital One miles to airline partners .

Citi ThankYou Rewards transfer bonus

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Citi ThankYou Rewards members currently have access to a transfer bonus to Cathay Pacific Asia Miles . ThankYou points normally transfer to Asia Miles at a 1:1 ratio, but with this bonus, you'll receive 15% more miles when you transfer points through July 20.

How to earn Citi ThankYou Rewards points

These Citi credit cards could make useful additions to your wallet for earning Citi ThankYou Rewards points:

  • Citi Strata Premier℠ Card (see rates and fees ): Earn 70,000 bonus points after you spend $4,000 on purchases with your card within three months of account opening. A higher offer may be available through citi.com.
  • Citi Rewards+® Card (see rates and fees ): Earn 20,000 bonus points after you spend $1,500 within three months of account opening. Plus, earn 5 bonus ThankYou Rewards points per dollar spent on hotels, car rentals and attractions on the Citi travel portal through Dec. 31, 2025. (Note: You must pair this card with a premium Citi ThankYou card to access a full-fledged, transferable ThankYou points account.)

As of June 2024, TPG values Citi ThankYou Rewards points at 1.8 cents each. However, note that some Citi transfers will not process instantly , so be sure to factor in the transfer time if you're trying to book an award with scarce availability.

Marriott Bonvoy transfer bonus

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Marriott Bonvoy is not running any transfer bonuses at this time.

How to earn Marriott Bonvoy points

If you're looking to earn more Marriott Bonvoy points , the following Marriott Bonvoy cards may be of interest:

  • Marriott Bonvoy Brilliant® American Express® Card : Earn 95,000 Marriott Bonvoy bonus points after using your card to spend $6,000 on purchases in the first six months of card membership.
  • Marriott Bonvoy Bevy™ American Express® Card : Earn 85,000 Marriott Bonvoy bonus points after using your card to spend $5,000 on purchases in the first six months of card membership.
  • Marriott Bonvoy Boundless® Credit Card : Earn three free night awards (each night valued at up to 50,000 points) after spending $3,000 in the first three months of account opening. Certain hotels have resort fees.
  • Marriott Bonvoy Business® American Express® Card : Earn five free night awards after you use your new card to make $8,000 in eligible purchases within the first six months of card membership. The redemption level is up to 50,000 Marriott Bonvoy points for each bonus free night award at hotels participating in Marriott Bonvoy. Resort fees may apply.
  • Marriott Bonvoy Bold® Credit Card : Earn 30,000 Marriott Bonvoy bonus points after spending $1,000 on eligible purchases in the first three months from account opening.

Per TPG's June 2024 valuations, Marriott Bonvoy points are worth 0.85 cents each. Before transferring points, review our tests of Marriott transfer times since some airlines take a few days (or even weeks) to receive the points.

Related: Marriott Bonvoy program: How to redeem points for hotel stays, airfare and more

Should you transfer points?

We only recommend transferring points or miles if you have a short-term plan to use them. Many programs have implemented devaluations over the last few years, so any speculative transfers could be a losing proposition.

Transfers are irreversible, and you don't want to be stuck with thousands of points or miles in a program you have little use for.

If you don't have a specific redemption in mind but still want to earn points or miles, you're likely better off earning rewards through credit card welcome bonuses and everyday spending.

Bottom line

When a program with a transferable currency offers a transfer bonus, it is important to run the numbers to determine whether it is worthwhile.

Generally, you won't want to transfer your points or miles without a specific redemption in mind. After all, a large part of the value of transferable points and miles comes from their flexibility — which you'll give up the moment you convert them to a partner's currency. However, a transfer bonus can help you get more value from your points and miles if you use a partner program frequently or plan to redeem soon.

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COMMENTS

  1. About Aeroplan credit cards

    TD ® Aeroplan ® Personal Credit Cards. Earn Aeroplan points on every dollar you spend and discover exciting travel benefits when you use your card. Apply for the TD ® Aeroplan ® Visa Infinite* Card by September 3, 2024 and earn up to 40,000 bonus points when you get approved and use your card. *Conditions apply. Offer ends September 3, 2024.

  2. Aeroplan Card

    At a glance. Earn points fast with Aeroplan. 3X points at grocery stores, on dining including take out and eligible delivery services and on purchases made directly with Air Canada. * Plus, enjoy free first checked bag and other Aeroplan travel benefits. Interest Rate. 21.74 %- 28.74 % variable APR. Annual Fee. $95 †.

  3. Travelling is more rewarding with a Chase Aeroplan ® Card

    Chase Aeroplan® Card. Travelling is more rewarding with a Chase Aeroplan ® Card. Travel better than ever with Air Canada's world-class loyalty program, Aeroplan. Enjoy many ways to earn points and redeem rewards at every step of your journey. Plus, Chase Aeroplan cardmembers get even more points and exclusive perks!

  4. TD Aeroplan Personal Credit Cards

    Earn a welcome bonus of 10,000 Aeroplan points when you make your first Purchase with your new card. Earn an additional 15,000 Aeroplan points when you spend $7,500 within 6 months of Account opening. Get an Anniversary Bonus of 15,000 Aeroplan points when you spend $12,000 in the first 12 months. Get.

  5. 9 incredible benefits of the Air Canada Aeroplan credit card

    New Air Canada Aeroplan credit card applicants can earn 70,000 Aeroplan points after spending $3,000 in the first three months from account opening. TPG values Aeroplan points at 1.5 cents each, ... This membership program expedites travel between the U.S. and Canada via land, sea or air. This is the best membership for U.S. travelers who plan ...

  6. Canada's 7 Best Aeroplan Credit Cards

    The Business Platinum Card from American Express is the fastest way to rack up a big balance of Aeroplan points. It often has the largest welcome bonus of any credit card in Canada, earning Membership Rewards points which are transferable to Aeroplan at a 1:1 ratio.. The requirements to earn the welcome bonus are usually simple, with a single spending threshold in the first three months.

  7. Chase Air Canada Aeroplan Credit Card Review 2024

    Air Canada, while based in Canada, is an airline with global worldwide reach. ... Caroline has over 50 credit cards in her wallet and has previously covered credit cards and travel for Business ...

  8. Ready for Takeoff: Air Canada and Chase Officially Launch New U.S

    WILMINGTON, D.E. and Montreal, QC December 2, 2021 - Today Chase, the largest co-brand card issuer, and Air Canada, Canada's largest airline and a Star Alliance founding member, launched the new Chase Aeroplan® World Elite Mastercard ® Credit Card, with Mastercard as the exclusive payments network. Providing U.S. cardmembers the ability to earn Aeroplan points to unlock faster and better ...

  9. Best Aeroplan Credit Cards In Canada For June 2024

    TD® Aeroplan® Visa Infinite* Card. Easily the highest earning rewards point program in the TD roster, this card is ideal for high spenders who also like spending time in the sun. Rewards: Earn 1 ...

  10. Air Canada Aeroplan: The Ultimate Guide

    Air Canada elite members that choose this bonus earning option will earn the following additional points on eligible flights: 25K —25% bonus points on base earnings. 35K —35% bonus points on ...

  11. Air Canada credit cards: Up to 150,000 bonus points from a single

    American Express® Aeroplan®* Reserve Card. Let's start with the most premium card, the perks-rich American Express ® Aeroplan ®* Reserve Card. Current intro bonus: New cardmembers can earn up to 150,000 bonus points. Here's how: 70,000 bonus points after you spend CA$6,000 ($4,777) on purchases within the first six months of card membership.

  12. 7 Things to Know About the Aeroplan Credit Card

    The Aeroplan® Credit Card is even more appealing for frequent Air Canada travelers. You'll get 25K elite status as a benefit of signing up for the card. By spending $50,000, you'll get a one ...

  13. Aeroplan credit card increased bonus: Earn 70,000 points

    Apply Now. On Chase Bank USA, NA's Website. New Aeroplan Card offer. Starting today, new Aeroplan card holders can earn 70,000 bonus points after spending $3,000 on purchases in the first three ...

  14. Chase Air Canada Aeroplan Credit Card review: A compelling and valuable

    The Aeroplan card has a $95 annual fee, which is comparable to the price of other popular travel credit cards that earn transferable rewards. Let's compare some credit cards of the same caliber and determine if the Aeroplan credit card is the best option for you. If you want more general rewards: Try the Chase Sapphire Preferred® Card. This ...

  15. 18 Best Travel Credit Cards in Canada for June 2024

    Apply for a Tangerine World Mastercard® by October 31, 2024 and earn an extra 10% back* (up to $100) when you spend up to $1,000 in everyday purchases within your first 2 months. Terms and ...

  16. Chase Air Canada Aeroplan Credit Card Review

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  17. The best travel credit cards in Canada for 2024

    Best overall travel rewards credit card. American Express Cobalt. Annual fee: $156. Some of the highest earn rates (with up to 5x the points on dining and groceries), combined with a flexible ...

  18. TD ® Aeroplan ® Credit Cards

    TD Aeroplan Credit Cards. TD ® Aeroplan ® Credit Cards. A TD ® Aeroplan ® Credit Card makes it easy to earn on everyday purchases, plus travel in style on your next trip with Air Canada travel benefits. View our range of TD ® Aeroplan ® Credit Cards below.

  19. The best Aeroplan credit cards in Canada for 2024

    Best co-branded Aeroplan card: TD Aeroplan Visa Infinite. Best credit card for fast-tracking points: American Express Cobalt Card. Best Aeroplan credit card for travellers: American Express ...

  20. TD Aeroplan Visa Infinite Card

    The Toronto-Dominion Bank ("TD") is the issuer of the TD ® Aeroplan ® Visa Infinite* Card. Approval of an TD ® Aeroplan ® Visa Infinite* Card account is at the sole discretion of TD and, if approved, use of the account is governed by the account agreement between the cardholder and TD. The terms and conditions below are provided by TD. Interest rates, fees and features are effective as of ...

  21. The Different Ways to Earn Air Canada Aeroplan Points

    The higher free TD Aeroplan Visa Infinite Privilege card awards two points for every dollar spent with Air Canada, 1.5 points per dollar on all travel, dining, gas, and grocery spending, and 1.25 ...

  22. United Airlines

    United Airlines - Airline Tickets, Travel Deals and Flights If you're seeing this message, that means JavaScript has been disabled on your browser, please enable JS ...

  23. 4 things you should know about the new Air Canada credit cards

    Cobranded credit cardholders will get a status qualification boost. With this status boost, you can earn 1,000 Status Qualifying Miles and 1 Status Qualifying Segment for every $5,000 or $10,000 (depending on the specific card) in eligible net purchases. Related: Pros and cons of the new Air Canada Aeroplan loyalty program.

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    After founding leading credit cards and family travel site PointsWithACrew.com in 2014, Dan Miller has continued building on his expertise in the personal finance space. He is an expert in credit ...

  25. Air Canada credit options

    Air Canada offers a range of credit options to store your ticket's cash value and use it whenever you're ready to fly. AC Wallet. eGift Card & eCoupon. Electronic Travel Vouchers. Future Travel Credits. Air Canada Travel Voucher. AC Wallet. eGift Card & eCoupon. Electronic Travel Vouchers.

  26. Best Travel Credit Cards of June 2024

    Bankrate's Best Travel Credit Cards of June 2024. Best starter travel card: Chase Sapphire Preferred® Card; Best for flat-rate rewards: Capital One Venture Rewards Credit Card; Best for luxury ...

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    Here are a few ways to use your credit card benefits to make travel more affordable. 1. Earn a statement credit with credit card offers ... Some airline credit cards include award flight discounts ...

  28. Vouchers, ACCredit and eCoupons

    Electronic travel vouchers can be used towards the base fare when you purchase new Air Canada tickets for travel on Air Canada, Air Rouge and Air Canada Express. Electronic travel vouchers are issued in the form of an email, which are embedded with a 13-digit electronic travel voucher number. Electronic travel vouchers can be redeemed to cover ...

  29. Credit card transfer bonuses (June): 20% bonus when transferring Chase

    He specializes in maximizing points and miles, elite status and credit cards so readers travel more comfortably and at a lower cost., Ben Smithson. Ben Smithson. Senior writer. Ben Smithson is a travel loyalty expert based in London. and. ... This summer, you can transfer Chase Ultimate Rewards points to Air Canada Aeroplan with a 20% bonus ...