Limited Time Offer
Earn up to $1,600 in value,including up to 70,000 Aeroplan points and additional travel benefits. Must apply by September 5, 2023.
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Earn a welcome bonus of 10,000 Aeroplan points when you make your first purchase with your new card
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Earn 40,000 Aeroplan points when you spend $5,000 within 180 days of Account opening
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Plus, earn an anniversary bonus of 20,000 Aeroplan points when you spend $7,500 within 12 months of Account opening
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Enroll for NEXUS and once every 48 months get an application fee rebate
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Plus, share free first checked bags with up to 8 travel companions
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
Yes
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Airport lounge access
Yes
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Concierge service
Yes
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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: $139
- Additional Card Fee: $50
- Purchases Interest Rate: 20.99%
- Cash Advance Interest Rate: 22.99%
- You're a Canadian resident
- You've reached the age of majority in your province or territory
- Complimentary Visa Infinite Concierge: On-call 24 hours a day, seven days a week, the Visa Infinite Concierge can help with any Cardholder request — big or small, to help you get the most out of life whenever you travel, shop and use your Card. Call toll-free from Canada and the U.S.: 1-888-853-4458 From outside Canada and the U.S.: 1-630-350-4545
- Visa Infinite Luxury Hotel Collection: Receive seven exclusive benefits when you book your stay through the Visa Infinite Luxury Hotel Collection featuring over 900 of the world’s most intriguing properties.
- Visa Infinite Dining Series: As a Visa Infinite Cardholder, you have access to exclusive gourmet events that cater to your astute tastes. The Visa Infinite Dining Series serves up culinary explorations with prized chefs and acclaimed wines.
- Visa Infinite Wine Country Program: Show your Visa Infinite card onsite and you can experience exclusive benefits at over 95 participating wineries in British Columbia, Ontario and Sonoma Valley including discounts on wine purchases, complimentary tastings, private vineyard tours and much more.
- Visa Infinite Entertainment Access: Get exclusive access to tickets to curated events across Canada throughout the year. Visa Infinite Cardholders can also enjoy exclusive benefits, access and offers for the Toronto International Film Festival®
- Visa Infinite Troon Golf: Receive elevated Troon Rewards® Silver Status at over 95 courses and 10% off on green fees, merchandise and lessons at participating Troon Rewards golf courses.
- Mobile Device Insurance
Up to $1,000 of coverage in the event of loss, theft, accidental damage, or mechanical breakdown for eligible mobile devices.
- Purchase Security and Extended Warranty Protection
You automatically have access to Purchase Security and Extended Warranty Protection, covering eligible new items you’ve purchased with your Card, should they be stolen or damaged within 90 days of purchase. If the item comes with a manufacturer’s warranty valid in Canada, you may be entitled to double the warranty period for up to 12 additional months.
The most obvious feature of this credit card is in the name, it has a connection to Aeroplan. Aeroplan is Canada’s frequent flyer program and the TD Aeroplan Visa Infinite allows card holders to earn Aeroplan points on daily expenditures. In addition, there is a welcoming bonus of 10,000 bonus Aeroplan points with your first purchase. It doesn’t take much to start earning!
Card holders earn 1.5 miles per dollar spent on groceries, pharmacies, gas and Air Canada purchases. One point per dollar spent is earned on all other purchases. A notable benefit of the TD Aeroplan Visa Infinite credit card is you can earn points on everyday expenditures which means it’s not challenging to earn at all.
In addition to the ease of earning points, cardholders gain access to travel insurance. The insurance covers car rental insurance, delayed or lost baggage, trip cancellation or interruption, flight delay, travel accident and medical emergency expenses. However, insurance only applies when you charge the full cost to your TD Aeroplan Visa Infinite which can be inconvenient when you’re abroad. Finally, cardholders have special Air Canada benefits when you redeem your points for Air Canada flights. These include priority check-in, priority boarding, an annual visit to the Air Canada Maple Leaf Lounge and a complimentary first checked bag.
A pitfall of this credit card is the $139 annual fee. TD will waive the fee for the first year if you have an All-Inclusive Account and have $5,000 or more sitting in that account. Another disadvantage is that it's hard to peg the actual value of the points you earn. The amount of points you need for a flight depends on your desired travel class and destination. TD allows card holders to redeem their points on any Air Canada flight or any other Star Alliance partner airline which gives you ample choice. While the travel points aren’t the best on the market, it can be an extremely favourable card for those who like to travel with Air Canada.
All in all, the TD Aeroplan Visa Infinite card has a lot of advantages, but they’re not the best on the market. Also, the disadvantages can off put the advantages making it subpar. However, it is more attainable than other travel based credit cards on the market and is an excellent choice if you already bank with TD and work with Aeroplan.
BMO® AIR MILES®† World Elite®* Mastercard®*Review
Maximize the Miles! Enjoy your rewards and travel perks sooner.
Welcome offer
Get 2,000 AIR MILES Bonus Miles and they’ll waive the $120 annual fee in the first year.
3x the Miles
Always get 3 Miles for every $12 spent on your everyday needs at participating AIR MILES Partners.
2x the Miles
Get 2x the Miles at any eligible grocery store - that's 2 Miles for every $12 spent.
1 Mile/$12
Get 1 Mile for every $12 you spend on your credit card.
25% off flights
Use less Miles with their exclusive 25% discount on one worldwide AIR MILES flight redemption during the calendar year.
SCENE®* Visa* Card-Student review
Earn 1,250 bonus SCENE points upon first purchase
Earn 1 SCENE point for every $1 you spend on your everyday credit card purchases.
Earn 5x the points for every $1 spent at Cineplex and at cineplex.com
Get SCENE points faster
Earn 1 SCENE point for every $1 you spend on your everyday credit card purchases.2
Earn 5 SCENE points for every $1 you spend on credit card purchases at Cineplex theatres or at cineplex.com.
Get FREE movies
Redeem for a FREE movie with just 1,250 points.
Save at participating restaurants
Get $10 off at participating restaurants when you redeem just 1,000 points
CIBC Dividend® Visa* Card review
2% cashback on grocery store purchases
Get up to 1% cash back on everything else
Earn maximum rewards
No limit on the total cash back you can earn
Extra protection on new purchases
Double the manufacturer's original warranty up to one year on most of your purchases
Annual fee: $0
Each additional card (up to 3): $0
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 and earns rewards with the American Express Cobalt credit card.
