The most effective rewards bank cards in Canada for April 2024

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Should you’re not leveraging your on a regular basis spending to earn rewards, you’re lacking out. Rewards bank cards provide help to earn money again or factors, which might be redeemed towards groceries, journey, merchandise, reward playing cards and extra. However to determine the perfect rewards bank card for you, you’ll must reply a number of questions. Do you like to gather factors or get money again in your pocket? Is it price paying an annual payment for premium perks, or would you moderately a no-fee card? What sort of journey rewards would you like? Regardless of your standards, you’re certain to search out an ideal match with one (or extra!) of the rewards bank cards under.

Finest total money again bank card

At a look: Relating to rewards, there’s nothing like money, and the SimplyCash Most well-liked Card from American Categorical is our decide for the perfect money again bank card. It pairs first-class returns on groceries and fuel—two of the most-used spending classes for Canadians—with an above-average base earn price. Plus, it offers entry to all kinds of Amex advantages once you use this card.

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SimplyCash Most well-liked from American Categorical

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• Annual payment: $120
• Earn price: 4% money again on eligible fuel and grocery purchases; 2% money again on all the things else
• Welcome supply: You possibly can earn a $40 assertion credit score for every month-to-month billing interval through which you spend $750 in purchases in your card.
• Annual earnings requirement: None

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Execs

• With a assured 2% base earn price, the SimplyCash Most well-liked multiplies the earnings supplied by many competing playing cards—and there’s no restrict to how a lot you could possibly earn.
• For a lot of Canadians, fuel and groceries are main expenditures, and this card presents a whopping 4% again on each. 
• Like many different bank cards in Canada, this one has a restrict on the quantity of bonus earnings you’ll be able to accumulate however they’re so beneficiant that they doubtless gained’t make a distinction for the typical particular person. For instance, you’d must spend practically $2,500 per thirty days on groceries and fuel to max out these bonus classes. And even in case you do this, you’d nonetheless earn on the 2% base price, which is fairly good.  
• If you wish to earn much more in money again, you will get supplementary bank cards for members of the family at no further payment. 
• This bank card comes with Amex advantages like Entrance of the Line, which will get you early entry to occasion tickets, in addition to eating and retail experiences. Plus, you’ll obtain Amex Presents, tailor-made to your spending habits. 
• Whereas the perfect insurance coverage packages often include journey bank cards, this bank card contains $100,000 in journey accident insurance coverage, in addition to mixed baggage and flight delay protection to get you in your method.

Cons

• American Categorical is extensively accepted throughout Canada, however there are some vital exceptions. Loblaw-affiliated shops, for instance, don’t settle for Amex, so you’ll be able to’t money in on the boosted grocery rewards there. (That you just? Take a look at our Finest retailer bank cards.)
• You possibly can’t select once you get your rewards with this bank card loyalty program. As an alternative, you’ll get a lump sum utilized to your account as soon as per 12 months, in September.

Finest no-fee money again card

At a look:  If you’d like a no-fee money again bank card, the SimplyCash Card from American Categorical presents lots of the similar advantages of the SimplyCash Most well-liked, however with decrease earn charges. Nonetheless, with a base price of 1.25%, and a 2% price on fuel and groceries, your on a regular basis spending will assist enhance your checking account.

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SimplyCash from American Categorical

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• Annual payment: $0
• Earn price: 2% money again on fuel and groceries; 1.25% money again on all different purchases
• Welcome supply: You possibly can earn a $10 assertion credit score for every month-to-month billing interval through which you make at the very least $300 in purchases (for a complete worth of as much as $100).
• Annual earnings requirement: None

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Execs

• Contemplating most no-fee bank cards in Canada have a base earn price of 0.5%, the 1.25% supplied by this card is eye-catching. 
• You’ll get a return of two% on the primary $15,000 you spend on groceries, that means you’ll be able to earn as much as $300 yearly in that class alone. Even higher: there’s no restrict to the boosted price of two% on fuel.

Cons

• Similar to with the SimplyCash Most well-liked, rewards are paid out annually, each September. 
• You gained’t be capable of use this bank card anyplace that doesn’t settle for American Categorical.

Finest flat-rate money again card

At a look: By providing a 3% return on U.S. greenback purchases, this card is successfully a no-forex-fee card with no annual payment. Plus, all Canadian-currency purchases nonetheless earn at a strong 1.5% money again price (plus, an additional 0.5% in case you’re a Rogers, Fido or Shaw buyer). This card additionally comes with some good World Elite Mastercard extras, like free Boingo Wi-Fi and Mastercard Journey Go Offered By DragonPass, which supplies you entry to some airport lounges.

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Rogers Purple World Elite Mastercard

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• Annual payment: $0
• Earn price: 1.5% money again on all purchases, or 2% again for Rogers, Fido and Shaw clients; 3% money again on all purchases in USD
• Welcome bonus: You possibly can This card doesn’t have a welcome bonus presently.
• Annual earnings requirement: Private earnings of $80,000 or family earnings of $150,000

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Execs 

• The 1.5% flat price means you gained’t have to fret about spending classes if you wish to maximize your rewards. Rogers, Fido and Shaw clients get an additional 0.5% again on their purchases, plus a 1.5x redemption bonus when redeeming for purchases with these firms (together with invoice funds). That brings the potential money again earnings as much as 3%.
• This is without doubt one of the finest bank cards to make use of at Costco, because it doesn’t settle for Visa or American Categorical.
• The accelerated 3% earn price on purchases made in U.S. {dollars} signifies that whether or not you store in-person or on-line, you’re making sufficient again to offset international trade charges.
• It’s uncommon for World Elite Credit cards to be out there in Canada with no annual payment. 
• Redemptions are versatile. You possibly can money out as quickly as you’ve got $10 in rewards.

Cons

• The earnings necessities are excessive at $80,000 ($150,000 for a family). 

Finest total journey rewards bank card

At a look: This card presents a number of the highest earn charges on often used spending classes, which the corporate broadly defines. Redeeming your rewards are easy, and you may enhance the worth of your factors by utilizing them for journey and transferring them to different loyalty packages, like Aeroplan or Marriott Bonvoy. This card additionally encompasses a fairly good insurance coverage bundle.

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American Categorical Cobalt

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• Annual payment: $156
• Earn price: 5 factors per $1 spent on eating and groceries; 2 factors per $1 spent on transit and fuel; and 1 level per $1 spent on all different purchases
• Welcome supply: You possibly can earn 1,250 factors for every month you spend $750, as much as a most of 15,000 factors.
• Annual earnings requirement: None

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Execs

• With earn charges—like 5 factors per greenback on groceries and eating, and three factors per greenback on streaming companies—this bank card is designed to allow you to construct up factors shortly. 
• The way in which that bonus classes are outlined signifies that you’ll earn boosted factors on extra purchases. Take the journey and transit class, for instance: You’ll get 2 factors per greenback on flights and lodges, and on fuel and public transportation, but in addition on taxis and rideshares. 
• Redemptions are straightforward and you’ve got numerous selection in the way you spend your rewards. You possibly can put them towards any journey expense you’ve charged to your card at a price of 1 level for $0.01 in journey financial savings. You possibly can switch them to collaborating airline or lodge loyalty packages, which not solely will increase the place they can be utilized, but in addition their worth. And, as a result of Aeroplan factors are usually price greater than different rewards, you’ll be able to principally double the worth of your factors. Lastly, you need to use its Fastened Factors Journey chart to discover a beneficial price with out worrying in regards to the service or blackout dates.  
• Extra playing cards are free, so you’ll be able to add members of the family to build up extra factors, quicker. 

Cons

• American Categorical playing cards aren’t as extensively accepted throughout Canada as Visa or Mastercard. 
• Whereas many comparable playing cards cost $120 in annual charges, at 155.88 (charged at $12.99 month-to-month), this card’s payment prices fairly a bit greater than different rewards bank cards on our listing right here. 
• One of many key journey perks—no international trade charges—shouldn’t be on supply right here. 
• The journey insurance coverage bundle is sort of complete with the notable exception of journey cancellation protection, which covers you in case of a sudden sickness.

Honourable point out

At a look: The Scotia Gold Amex rivals our prime decide by providing tremendous aggressive earn charges, a complete journey insurance coverage bundle, and invaluable perks like no international trade charges—which the Cobalt lacks. Nonetheless, you gained’t have the chance to switch, and due to this fact probably improve the worth of, your factors.

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Scotiabank Gold American Categorical

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• Annual payment: $120
• Earn charges: 6 factors per $1 spent at Sobeys-affiliated shops; 5 factors per $1 on eating, leisure and groceries; 3 factors per $1 on fuel, transit and streaming; 1 level per $1 on all the things else
• Welcome supply: You possibly can earn as much as $650 in worth within the first 12 months, together with as much as 40,000 bonus Scene+ factors. Should apply by July 1, 2024.
• Annual earnings requirement: $12,000

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Execs

• Purchases at some grocers, like FreshCo and Sobeys, will return a really spectacular 6-points-per-dollar price. And the 5-points-per-dollar class contains all kinds of shops together with eating places, meals supply and grocery shops. 
• You possibly can retroactively redeem your factors (as much as one 12 months). Say, for instance, you booked a lodge in January, you could possibly apply your Scene+ rewards to that journey buy throughout the upcoming 12 months. Plus, you’re not restricted to lodges and flights. The journey spending class considers Airbnbs, automotive shares, public transportation fares and taxis eligible for retroactive redemption, too. As if this card’s rewards weren’t versatile sufficient, you can too pay for journey rewards with each factors and money.
• The absence of international transaction charges is a prime perk each for Canadian travellers and cross-border consumers, saving between 2% and a couple of.5% on purchases made in different currencies. 
• This bank card has a number of the finest journey insurance coverage available on the market.

Cons

• Your Scene+ factors are all the time valued at $0.01 per level, so there’s no room to spice up their shopping for energy. 
• The international trade payment waiver is barely dampened by the truth that purchases in different currencies solely earn the bottom price of 1 level per greenback. 
• You would possibly wish to carry a secondary Visa or Mastercard for these retailers in Canada who don’t settle for American Categorical.

Finest airline journey bank cards

For Aeroplan

At a look: Should you’re in search of an Aeroplan card with easy redemptions, that is our decide. It’s price noting that in case you use the Amex Cobalt and switch your Amex factors to Aeroplan, you will get a better worth on your rewards. However this bank card impresses us with perks just like the $100 Nexus payment rebate and free first checked baggage.

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TD Aeroplan Visa Infinite Card

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• Annual payment: $139
• Earn charges: 1.5 Aeroplan factors per $1 spent on fuel, groceries and purchases made immediately by Air Canada (together with trip packages), and 1 level per $1 on all different purchases
• Welcome bonus: You possibly can earn a welcome bonus of 10,000 Aeroplan factors once you make your first buy together with your new card; earn 20,000 Aeroplan factors once you spend $6,000 inside 180 days of Account opening. Circumstances apply. Account have to be permitted by June 3, 2024. 
• Anniversary bonus: Earn a one-time anniversary bonus of 20,000 Aeroplan factors once you spend $10,000 inside 12 months of opening the account. Circumstances apply. Account have to be permitted by June 3, 2024.
• Annual earnings requirement: Private earnings of $60,000 or family earnings of $100,000

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Execs 

• The cardboard has strong earn charges, and you will get the Aeroplan Standing Qualifying Miles that it’s essential to advance in Aeroplan standing. Greater standing means higher Air Canada advantages.
• Factors are redeemable with a dozen Star Alliance accomplice airways, like United and Lufthansa.
• This bank card contains free first checked baggage for as much as eight journey companions on North American flights and a $100 Nexus payment rebate each 48 months—perks that may make your journey smoother.
• The included emergency medical journey protection is for 21 days, or 4 days for these 65 and older—longer than what most different playing cards supply.

Cons

• Should you’re in search of the best possible strategy to get as many Aeroplan factors as you’ll be able to, utilizing the Amex Cobalt and transferring your factors at a one-to-one ratio is a greater choice, however that is our selection for a easy, Aeroplan-specific card.

• The Aeroplan program is dynamic so that you’ll want to concentrate to the fluctuating factors values if you wish to get essentially the most out of it. 
• At $139, the annual payment is greater than another bank cards in its class.

For WestJet 

At a look: Between a aggressive earn price and crowd pleasing perks, the RBC WestJet World Elite Mastercard is our advice for Canadians who fly with WestJet. Redeeming rewards is straightforward. And, with an annual round-trip companion voucher and your first checked bag is free for you and as much as eight journey companions, this journey bank card is a first-class card.

WestJet RBC World Elite Mastercard

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• Annual payment: $119
• Earn price: 2% again in WestJet {dollars} on WestJet flights and holidays packages and 1.5% again on all different purchases
• Welcome supply: You possibly can earn as much as $450 in WestJet {dollars} with the WestJet RBC World Elite Mastercard. Plus, get a Spherical-Journey Companion Voucher Each Yr – for any WestJet vacation spot ranging from $119 CAD (plus taxes, charges, fees and different ATC).
• Annual earnings necessities: Private earnings of $80,000 or family earnings of $150,000

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Execs

• You get an annual round-trip companion voucher to anyplace WestJet flies. The companion voucher lets you e-book a companion fare at a decreased price once you e-book a full fare for your self. You should use this to journey inside Canada and the continental U.S. beginning at $119. 
• Standing Lifts allow you to advance by the tier construction, gaining you entry to advantages like lounge entry. With this card, you’ll be able to rise up to a few $500 Lifts yearly.
• WestJet {dollars} (assume factors with a cash-back twist) are straightforward to gather with a minimal of 1.5% in WestJet {dollars} on each buy in your card. You’ll get boosted rewards of two% on WestJet flights or bundled holidays. 
• With the WestJet rewards program, you don’t must hold observe of something. It’s easy, and there are not any complicated charts nor blackout intervals for reserving.

Cons

• The decreased price for the companion voucher solely applies to the bottom price of your flight. You’ll must pay any taxes, airport charges and air transportations fees. 
• No transfersies. You possibly can’t use WestJet {dollars} with one other airline.

Finest no-fee journey bank card

At a look: With this card you’ll be able to earn versatile rewards factors which might be simply redeemed for nearly something, together with journey. Plus, you’ll be able to switch them at a ratio of 1 to 1 to different frequent flyer or rewards packages which, relying on this system, can really improve their worth. This card has so much to supply, particularly for a no-fee card. 

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American Categorical Inexperienced Card

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• Annual payment: $0
• Earn price: 1 level for each $1 spent on all purchases and 1 further level for each $1 spent on lodge or automotive bookings made on americanexpress.ca.
• Welcome supply: You possibly can earn 10,000 Membership Rewards factors once you cost $1,000 in purchases to your card within the first three months of cardmembership.
• Annual earnings requirement: None

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Execs

• Incomes factors is straightforward with a flat price of 1 level per greenback in your on a regular basis spending, and also you’ll double that for purchases made by Amex Journey On-line. 
• You possibly can redeem your factors at a flat price of 10,000 factors for $10 in journey, or get extra out of your factors by utilizing Amex’s Fastened Level chart. In some instances, resembling with a switch to Aeroplan, you’ll be able to improve the worth of your factors. 
• With this journey rewards bank card you’ve got entry to Entrance of the Line the place you’ll be able to benefit from advance entry to tickets. Amex Experiences lets you get pleasure from quite a lot of curated eating, buying and leisure occasions.

Cons

• Typical for a no-fee bank card, this card doesn’t supply journey perks or characteristic insurance coverage. 
• You should use an American Categorical card throughout Canada and overseas, however there are some shops, principally within the grocery sector, that don’t settle for it. Each Costco and Loblaw-banner shops don’t settle for Amex in Canada.

Finest pupil bank cards

For money again

At a look: The very first thing to notice about this card is the three% cash-back return on groceries—the very best price within the nation for a no-fee card. Should you spend simply $400 per thirty days on groceries, that comes out to $144 in money again for the 12 months. Plus, there are not any limits to how a lot you’ll be able to earn, making this a strong pupil bank card.

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BMO CashBack Mastercard for College students

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• Annual payment: $0
• Earn charges: 3% money again on groceries (on the primary $500 per thirty days), 1% on recurring payments and 0.5% on all the things else
• Welcome supply: You possibly can earn 5% money again in your first 3 months. Circumstances apply.
• Annual earnings requirement: None

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Execs 

• At 3% money again on groceries, this pupil bank card presents the perfect price in Canada for a no-fee card. The opposite bonus class, streaming companies return 1.5% including a bit extra to the bundle.
• Not like with some bank cards that pay out as soon as yearly, with this card you’ll be able to redeem your money once you want it. All you want is a minimal of $25 in money again and you may select to use it as an announcement credit score or deposit it into your BMO chequing, financial savings or InvestorLine account.

Cons

• At 0.5%, the bottom price might be higher. Even another no-fee playing cards supply 1% or extra.
• Though there isn’t any restrict to how a lot money again you’ll be able to earn with this card, there are month-to-month caps within the bonus classes of $500 every.

For journey

At a look: With the CIBC Aeroplan Visa Card for College students, you’ll be able to earn invaluable and easy-to-redeem Aeroplan rewards, journey advantages and student-friendly perks—all with out paying an annual payment.

CIBC Aeroplan Visa Card for College students

Go to CIBC.com for extra particulars

• Annual payment: $0
• Earn charges: 1 level per $1 spent on fuel and EV charging, groceries and Air Canada purchases, and 1 level per $1.50 on all the things else
• Welcome supply: Earn 10,000 Aeroplan factors once you make your first buy ($200 worth).
• Rates of interest: 20.99% on purchases and 22.99% on money advances (21.99% in Quebec)
• Annual earnings requirement: None

Go to CIBC.com for extra particulars

Execs

• Aeroplan factors are versatile and transferable. There are not any seat restrictions or blackout dates for utilizing your factors on Air Canada purchases, and you can too use factors with any of Aeroplan’s many companions, resembling United and Aer Lingus.
• You don’t want to gather the complete quantity of rewards in factors. You possibly can pay in money and factors.
• You’ll turn out to be a member with the favored SPC pupil low cost program, which supplies you entry to financial savings and giveaways.
• It can save you as much as $0.10 per litre once you purchase fuel at collaborating stations with Journie Rewards.

Cons

As a no-fee card, this card has decrease earn charges than different Aeroplan playing cards.
The one included insurance coverage with this card is widespread service accident protection, automotive rental collision and loss injury safety and buy safety.
You gained’t earn Standing Qualifying Miles in your on a regular basis purchases, in contrast to with different Aeroplan playing cards.
The Aeroplan factors program is basically dynamic, that means that the worth of your earned factors values do fluctuate, so this is probably not the appropriate card for somebody who’s in search of simplicity.

Finest lodge bank card

At a look: With the flexibility to redeem for all the things from room upgrades to spa remedies, Marriott Bonvoy factors are tremendous invaluable for frequent Canadian travellers. Plus, they’re transferrable to about 40 airline packages. Extras, like free lodge stays and Amex advantages, make this a must-pack journey bank card on your subsequent journey.

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Marriott Bonvoy American Categorical

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• Annual payment: $120
• Earn charges: 5 factors per $1 at Marriott properties, 2 factors per $1 in all places else
• Welcome supply: earn 50,000 Marriott Bonvoy factors
• Annual earnings requirement: None

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Execs

• Marriott Bonvoy factors are versatile, incomes you upgrades throughout quite a lot of lodges, together with the St. Regis, The Ritz-Carlton and the Westin. Or, use them for merchandise and experiences, or for journey bills like automotive leases and flights.
• With a 2 factors per greenback base price and 5 factors per greenback spent on all Marriott lodge stays, this card permits you to construct up factors, quick.
• This card contains an annual free night time’s keep at a Marriott property. Plus you’ll get 15 Elite Evening Credit that may provide help to advance to the subsequent degree of standing, so you’ll be able to entry additional advantages.
• You’ll have entry to Amex advantages like Entrance of the Line, the place you’ll have early entry to occasion tickets. Plus, you’ll be able to benefit from curated eating, retail and wellness experiences.

Cons

• Though Marriott Bonvoy factors are transferable to airline packages, the speed is an underwhelming three-to-one for many transfers.
• Marriott Bonvoy is a dynamic loyalty program, that means you’ll want to concentrate to dates and occasions if you wish to get essentially the most out of your factors.
• As an Amex bank card, it’s much less extensively accepted in Canada than Mastercard or Visa.

Finest retailer bank card

At a look: Quite a few retail companions, many alternatives to boosts your factors, and easy redemptions on the money register make PC Optimum considered one of Canada’s hottest factors packages. While you spend with the PC World Elite Mastercard, you’ll get the very best worth of any retailer bank card in Canada.

PC Monetary World Elite Mastercard

Go to pcfinancial.com for extra particulars

• Annual payment: $0
• Earn charges: 45 PC Optimum factors per $1 at Buyers Drug Mart; 30 factors per $1 at Loblaw banner grocery shops (together with No Frills), and 10 factors per $1 on all the things else
• Welcome bonus: You possibly can
• Annual earnings requirement: Private earnings of $80,000 or family earnings of $150,000

Go to pcfinancial.com for extra particulars

Professional

• While you use this card to pay for groceries, clothes or housewares at Loblaw-banner shops, like No Frills, Fortino’s or Actual Canadian Superstore, you’ll get 30 factors per greenback—a 3% return. Purchases at Buyers Drug Mart earn 45 factors per greenback, which is a whopping 4.5% return.
• PC Optimum might have the best course of for redemption of any loyalty program in Canada. Merely present your card on the checkout of one of many above-mentioned shops, and request to make use of your factors. Even the rewards worth is straightforward: 10,000 factors are price $10.
• Should you don’t meet the necessities for this higher-tier World Elite card, it’s possible you’ll wish to contemplate PC’s mid-tier and entry-level playing cards, which have decrease eligibility necessities however related perks.

Con

• The annual earnings requirement is pretty excessive at $80,000 per 12 months (or $150,000 for the family). 
• You keep your eligibility for this card by spending at the very least $15,000 yearly on it. In any other case, you’ll be downgraded to PC’s lower-tier World or entry-level PC Mastercard.

Often requested questions

Video: Promotional charges: What to search for within the tremendous print

How a lot are bank card rewards factors price 

With constant rewards packages, the factors are price a hard and fast quantity and this doesn’t change. Listed below are the values of factors with constant rewards packages.  

How to decide on the perfect rewards card

Should you’re buying round for a brand new bank card, it’s possible you’ll discover most boil down to 2 forms of rewards: factors or money again. It may be tempting to choose the cardboard that provides you the perfect return, however it’s not all the time that straightforward. The place you store, how a lot you spend every month and the kind of rewards you like, these ought to all be a part of your determination for the perfect rewards bank card for you.

The case for money again

Should you favor simplicity, cash-back playing cards are the best way to go. The most effective money again bank cards provide the highest return based mostly in your on a regular basis spending habits. Right here’s what to think about:

Payouts: Relying on the cardboard, money again is paid out month-to-month, quarterly or yearly and refunded within the type of an announcement credit score, direct deposit to your checking account or a cheque within the mail.

Proportion earned: Money again bank cards supply fastened share on rewards based mostly how a lot you spend on the cardboard. Typically talking, money again playing cards with an annual payment will earn you a better base share, so it’s essential to issue that in in case you’re evaluating it to a no-fee bank card.

Multipliers: Some money again playing cards supply multipliers, which provide you with a better share of money again in common spending classes resembling grocery shops, fuel stations, drugstores and automatic funds for recurring payments.

The case for rewards

As an alternative of incomes money, journey rewards bank cards web factors that can be utilized to say journey (flights, lodges), reward playing cards, or merchandise. Rewards playing cards might be fairly profitable when you understand how to earn and redeem factors successfully, however there are a number of options to think about.

Sort of rewards earned: Rewards bank cards are both linked to a selected journey model (airline or lodge), or provide you with flexibility to journey on any service. Should you’re loyal to a selected model, it is smart to choose a co-branded card. Should you favor flexibility, then decide a card that provides you essentially the most choices.

Signup bonus: Most rewards playing cards supply an enormous signup bonus to entice Canadians to use. Assuming you’ll be able to meet the minimal spend requirement, that bonus might be price a number of hundred {dollars}.

Ease of redemption: Rewards are ineffective in case you can’t use them. Search for loyatly packages with out blackout dates. One other no-deal: Too many restrictions, so you’ll be able to’t redeem your factors everytime you need.

Worth of your factors: Know what your rewards (particularly factors or branded {dollars}) are literally price. For instance, in case you earn 1 level for each $1 spent, and it takes 100 factors so that you can declare $1 in rewards, your factors are price 1%. You probably have a co-branded bank card for flights or lodges, it’s essential to decide what number of factors it takes to get a free flight or lodge room.

Extra advantages: Apart from rewards, you’ll wish to have a look at the extra perks and advantages. Many rewards card supply the next as customary advantages: complete journey insurance coverage bundle, auto rental insurance coverage and value safety.

Extra of Canada’s finest bank cards: