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Start flying today with 15,000 welcome points
Earn 1 RBC Rewards point for every dollar you spend
No blackout periods or seat restrictions - ever!
Our experts have compiled a list of the best cards in Canada in each major category, from cash back and low rate to balance transfers and more. Explore our top picks and find the best credit card for you.
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Priority airport services
No
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Airport lounge access
No
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Concierge service
No
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Balance protection(Optional)
Yes
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Purchase Security & Extended Protection Insurance
Yes
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Flight delay insurance,Baggage Insurance
Yes
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Vehicle rental insurance
Yes
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Travel accident insurance
Yes
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Travel medical insurance
Yes
- Annual Fee: $120
- Additional Card Fee: $50
- Purchases Interest Rate: 19.99%
- Cash Advance Interest Rate: 22.99%
- You're a Canadian resident
- You've reached the age of majority in your province or territory
Choose any airline, any flight, any time No blackouts or seat restrictions.
If there's an open seat, you can fly- even during peak seasons.
Travel anywhere you want to go Take a look at our Air Travel Redemption Schedule to see how may points you need.
Flights start as low as 15,000 RBC Rewards points Extensive insurance coverage With trip cancellation, emergency medical and protection for your trip, hotel and rental car insurance, even your eligible purchases get protection
The feature that attracts customers to this credit card the most is the flexible travel points redemption policy. Not only are points redeemable on flights, they can be redeemed on other eligible merchandise purchases or put towards paying down your card balance. Points can also be transferred from RBC to other rewards programs such as British Airways, WestJet, American Airlines or Cathay Pacfic Asia Miles loyalty programs. Another added bonus is when you’re booking flights, there are no black out periods or seat restrictions - ever!
When you make travel purchases, including, but not limited to, airfare, accommodations, cruises, tours and car rental purchases, you earn 1.25 points per dollar spent. On all other purchases, one point is earned for every dollar spent. Cardholders also benefit from travel insurance and are covered for items such as trip disruption, medical expenses, trip cancellation and hotel or motel burglary insurance, among others.
Other miscellaneous features of this credit card include shopping insurance, savings on gas from Petro Canada, additional Petro Canada point earnings when cards are linked, access to exclusive events and ability to lock the credit card at any time.
To receive all these benefits, an annual fee of $120 is required. The points to dollars ratio is subpar and there are little opportunities to enhance point earnings. Also, RBC is one of the greatest banks in Canada, but it is very traditional and rigid with their lending requirements. For individuals who don’t fit those requirements, this can be a challenging card to obtain and manage. Finally, if you aren’t willing to spend a lot to earn a lot, and don’t travel frequently, this card may not be right for you.
The RBC Avion Visa Infinite is an optimal choice for consumers who use their credit card for the bulk of their purchases and will be able to reap the travel benefits. Even if you don’t take advantage of all the travel benefits, rewards can be used towards paying down your balance or purchasing other merchandise. If you choose to proceed with this credit card, you’ll receive 15,000 points from RBC as a welcoming bonus!
The RBC Avion Visa Infinite has a close cousin, the RBC Avion Visa Platinum. The main difference between the two is the Infinite card has a minimum income requirement whereas the Platinum does not. If you don’t meet the minimum requirements of the RBC Avion Visa Infinite, you can still get the same benefits with the RBC Avion Visa Platinum!
American Express Cobalt® Credit Card review 2024
Welcome Offer:
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In your first year as a new Cobalt Cardmember, you can earn 1,250 Membership Rewards® points for each monthly billing period in which you spend $750 in purchases on your Card. This could add up to 15,000 points in a year.
American Express Cobalt® Card Income Requirements Many American Express credit cards have income range requirement to be eligible for the card however the Amex Cobalt Card doesn’t have a specific income requirement which mean that you could be approved for this credit card if you meet the requirements below: Credit score of 670+ You must be the age of majority. Canadian resident with a Canadian credit file.
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Welcome bonus:
Earn up to $1,300+ in value in the first 12 months, including up to 40,000 bonus Scene+ points and first year annual fee waived.‡
To qualify for the 40,000 bonus Scene+ points:
- Earn 30,000 bonus Scene+ points by making at least $1,000 in everyday eligible purchases in your first 3 months.
- Plus, as a Scotiabank Passport Visa Infinite cardholder, you are eligible to earn an annual 10,000 Scene+ point bonus when you spend at least $40,000 in everyday net eligible purchases annually.
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.
• Enjoy Complimentary Airport Lounge Access, plus 6 free lounge visits per year
Scotia Momentum Visa Infinite Card Review
Great reasons to get this card for your everyday purchases
SPECIAL OFFER: Earn 10% cash back on all purchases for the first 3 months (up to $2,000 in total purchases). No annual fee in the first year, including on supplementary cards.
No annual fee in the first year, including on supplementary cards.1 Get a 0% introductory interest rate on balance transfers for the first 6 months (20.99% on purchases/22.99% on cash advances including balance transfers after that; annual fee $120)
• 4% on eligible recurring bill payments and grocery store purchases
• 2% on eligible gas station and daily transit purchases
• 1% cash back on all other eligible everyday purchases
• Complimentary Concierge Services 24/7
• Visa Infinite Dining Series
• Visa Infinite Music Series
• Wine Country Wonders
• Luxury Hotel Privileges
• Comprehensive Travel Insurance & New Mobile Device Insurance coverage
Author Bio
Mohamed Konate is a personal finance expert, blogger, and marketing consultant based in Toronto. He is a former financial services professional who worked at major Canadian financial institutions for many years. He managed the marketing strategy around various financial products ranging from credit cards to lines of credit. Mohamed is passionate about personal finance and holds a Bachelor's in Business Administration from the University of Quebec (Montreal) and a Master's in International Business from the University of Sherbrooke (Quebec). He is also the author of the Canadian Credit Card Guidebook.
