Best Travel Credit Cards in Canada (December 2025)
Travel credit cards help you earn free flights, hotel stays, and valuable perks for your adventures. The best travel cards in Canada earn points that transfer to airline partners like Aeroplan, or offer flexible redemption through their own travel portals.
Beyond rewards, premium travel cards offer insurance coverage (trip cancellation, emergency medical, baggage), airport lounge access, and no foreign transaction fees—perks that can save frequent travelers hundreds of dollars per trip.
How We Rank These Cards
We rank travel cards by calculating the annual value of rewards earned (using standard point valuations like $0.02/Aeroplan point), plus the estimated value of perks like lounge access ($50/visit) and insurance coverage. We subtract annual fees to show net first-year value.
Top Best Travel Credit Cards Ranked
Compare Cards
7 cards available
TD Aeroplan Visa Infinite Card
Rewards
1 point per $1
Interest
21.99%
Annual Fee
$139
1st Year Value
$1911
Welcome Bonus
Up to 45,000 Aeroplan points + Annual Fee Rebate
Min. credit score: Good to Excellent (725+)
Scotiabank Passport Visa Infinite Card
Rewards
1 point per $1
Interest
20.99%
Annual Fee
$150
1st Year Value
$1608
Welcome Bonus
Up to 45,000 Scene+ points
Min. credit score: Good to Excellent (725+)
CIBC Aeroplan Visa Infinite Card
Rewards
1 point per $1
Interest
20.99%
Annual Fee
$139
1st Year Value
$1361
Welcome Bonus
Up to 45,000 Aeroplan points + Annual Fee Rebate
Min. credit score: Very Good (760+)
Scotiabank Gold American Express Card
Rewards
1 point per $1
Interest
20.99%
Annual Fee
$120
1st Year Value
$1316
Welcome Bonus
Up to 50,000 Scene+ points
Min. credit score: Good to Excellent (725+)
American Express Gold Rewards Card
Rewards
1 point per $1
Interest
21.99%
Annual Fee
$250
1st Year Value
$1070
Welcome Bonus
Up to 60,000 Membership Rewards points
Min. credit score: Good to Excellent (670+)
RBC Avion Visa Infinite Card
Rewards
1 point per $1
Interest
20.99%
Annual Fee
$120
1st Year Value
$1110
Welcome Bonus
35,000 Avion points on approval (up to 55,000 promo)
Min. credit score: Good (660-724)
American Express Cobalt Card
Rewards
1 point per $1
Interest
21.99%
Annual Fee
$191.88
1st Year Value
$1068
Welcome Bonus
Up to 15,000 Membership Rewards points (1,250 monthly)
Min. credit score: Good (660+)
Tips for Choosing Best Travel Credit Cards
Pro Tips
Expert advice to maximize your card benefits
- 1Book travel through your card's portal to maximize points and ensure insurance coverage
- 2No-FX-fee cards save 2.5% on every international purchase
- 3Lounge access passes are worth $50+ each—factor this into annual fee calculations
- 4Keep your travel card active before trips to ensure insurance coverage applies
Frequently Asked Questions About Best Travel Credit Cards
The Scotiabank Passport Visa Infinite stands out with no foreign transaction fees, airport lounge access, and strong Scene+ point earnings. For Aeroplan collectors, the TD Aeroplan Visa Infinite offers excellent earn rates on Air Canada purchases and comprehensive travel insurance.