CIBC Aeroplan Visa Infinite Privilege Card
This rewards card not only earns Aeroplan points, but has lounge access, a free checked bag on Air Canada flights, a NEXUS application fee rebate and more.
Rewards: Earn 1.5 Aeroplan Points per dollar spent on gas, groceries, travel and dining (up to an annual spend of $100,000). Earn 1.25 Aeroplan Points per dollar on all other purchases. Earn double Aeroplan points on Air Canada products or services, including Air Canada Travel Vacations.
Welcome Offer: 110,000 Aeroplan points (earn 20,000 points after your first purchase, earn 30,000 points when you spend $6,000 or more during your first four monthly statements and 60,000 points when you have at least $25,000 in net eligible purchases posted on your account during the first 12 monthly statement periods).
Annual Fee: $599
Other Benefits and Drawbacks: This card can earn Aeroplan points at a solid rate and boasts a plethora of airport perks. That said, the high annual fee means it’s likely for frequent travellers with high spending.
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TD® Aeroplan® Visa Infinite Privilege* Card
This TD card basically possesses every possible travel perk, reward and consumer protection a TD card has to offer.
Rewards: Earn 2 Aeroplan Points for every dollar spent on Air Canada purchases, including Air Canada Vacations. Cardholders also earn 1.5 points for every dollar spent on gas, groceries, travel and dining purchases, as well as 1.25 points on every dollar for other purchases made with your card.
Welcome Offer: 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. 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†.
Terms and conditions apply. Not available for residents of Quebec. Account must be approved by September 3, 2024.
Annual Fee: $599
Other Benefits and Drawbacks: While this card has it all, it does have a steep minimum annual income of $150,000 individually, or $200,000 all together and an expensive annual fee, so it’s inaccessible to many Canadians.
†Terms and conditions apply. Not available for residents of Quebec.
Learn more: TD Aeroplan Visa Infinite Privilege Review
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CIBC Aventura Visa Infinite Privilege
This card, which is best suited to travellers, helps you earn Aventura points on your everyday spending, plus airport lounge access, travel credits, NEXUS rebates and more.
Rewards: Earn 3 Aventura points per dollar on all travel purchases made through the CIBC Rewards Centre, 2 Aventura points per dollar on all eligible dining, entertainment, grocery, gas and transportation purchases and 1.25 Aventura Points per dollar on all other purchases.
Welcome Offer: Get up to 80,000 Aventura Points in the first year (25,000 points when you spend $3,000 in the first four months, 25,000 points when you spend $6,000 or more in the first four months and 30,000 points as an anniversary bonus).
Annual Fee: $499
Other Benefits and Drawbacks: This card earns points at a good rate for most things and includes a ton of valuable travel perks, from lounge access to insurance. That said, if you’re not a frequent traveller, this card’s steep $499 annual fee likely won’t be worth it.
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BMO eclipse Visa Infinite Privilege* Card
The BMO eclipse Visa Infinite Privilege* Card is ideal for those who travel often, so they can get the most out of their rewards and the high annual fee.
Rewards: 5 points per dollar on groceries, dining, fuel, travel and drugstore purchases and 1 point per dollar on all other purchases.
Welcome Offer: Earn up to 120,000 points. Earn 50,000 points after spending $6,000 within the first 3 months, 30,000 points after spending $30,000 within the first 6 months, and 40,000 points after spending $75,000 within the first 12 months of opening the account.
Annual Fee: $499
Other Benefits and Drawbacks: Solid rewards, and perks like priority airport lounge services and complimentary lounge passes make this an excellent travel card. However, it’s only accessible to people who earn at least $150,000 in annual income and likely isn’t worth it unless you can use all the travel perks very often.
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BMO eclipse Visa Infinite Card
The BMO eclipse Visa Infinite Card offers good rewards on the essentials, like groceries and gas and offers decent other perks, all for an average annual fee.
Rewards: Every dollar spent earns 5 points on gas, groceries, restaurants and transit and 1 point on all other purchases.
Welcome Offer: 60,000 points in the first year.
Annual Fee: $120 (waived in the first year)
Other Benefits and Drawbacks: Travel insurance is limited, but cardholders get access to Visa Infinite hotels, restaurants and golf courses. The $50 annual lifestyle credit and bonus points for supplementary cards add extra value.
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Business Platinum Card® from American Express
The Business Platinum Card® from American Express is one of the few metal cards on the market that’s specifically made for business. If the card itself doesn’t impress clients, its earnings and features might.
Rewards: Earn 1.25 points per dollar on all purchases.
Welcome Offer: 120,000 Membership Rewards points (80,000 points when you spend $15,000 in net purchases to your Card in your first 3 months of Cardmembership and 40,000 points when you make a purchase between 14 and 17 months of Cardmembership).
Annual Fee: $799
Other Benefits and Drawbacks: The $799 annual fee is offset with enhanced travel insurance and exclusive access to flight discounts, hotel upgrades and over 1,300 airport lounges. Plus, this card has no pre-set spending limit and comes with $100,000 employee misuse protection for each additional cardholder. That said, it does have a really large annual fee, so it’s likely worth it for businesses that don’t spend on credit cards often.
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American Express® Gold Rewards Card
The American Express® Gold Rewards Card is a solid card for earning rewards on everyday purchases and a few extra perks.
Rewards: Collect 2 points per dollar on hotels, flights, car rentals, travel, fuel, groceries and drugstore purchases and 1 point per dollar on all other purchases.
Welcome Offer: Get up to 60,000 Membership Rewards® points; New Cardmembers earn 5,000 Membership Rewards® points in each monthly billing period when you spend $1,000 in net purchases on your Card, this could add up to 60,000 points in a year. That’s up to $600 towards your next vacation.
Annual Fee: $250
Other Benefits and Drawbacks: Aside from the lucrative welcome offer and good rewards earnings, this card offers a $100 annual travel credit and more. Plus, it includes good travel insurance coverage. That said, it has a pretty high annual fee, so you have to weigh it against the potential rewards earnings.
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The Platinum Card® from American Express
The American Express Platinum Card can hold incredible value for those who travel frequently and love luxury.
Rewards: Collect 2 points for every dollar on eligible dining and food delivery, 2 points per dollar spent on eligible travel and 1 point per dollar on everyday purchases.
Welcome Offer: Earn up to 100,000 Membership Rewards® points. Earn 70,000 welcome bonus points after spending $10,000 in the first 3 months of cardmembership. Plus, earn 30,000 points after making a purchase between 14 and 17 months of cardmembership.
Annual Fee: $799
Other Benefits and Drawbacks: The bulk of this card’s value lies in its automatic upgrades, premium travel benefits and complimentary hotel services. Although, this card is only worth it if every dollar you spend makes its way back into your pocket, including the $799 annual fee.
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American Express® Aeroplan®* Business Reserve Card
The American Express® Aeroplan®* Business Reserve Card is for business travellers who can benefit from the premium features and rewards.
Rewards: Earn 3 points per dollar on Air Canada purchases, 2 points per dollar on hotels and car rentals and 1.25 points per dollar on all other purchases.
Welcome Offer: Receive 65,000 Aeroplan points after spending $10,500 in purchases on your Card within the first 3 months, Plus earn an additional 25,000 Aeroplan points when you spend $3,500 in purchases in month 13 (90,000 total points).
Annual Fee: $599
Other Benefits and Drawbacks: This card earns Aeroplan Points, plus cardmembers receive premium travel insurance and priority privileges for check-in, boarding, baggage handling, standby, airport upgrades and security. That said, this card has an expensive annual fee.
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American Express® Aeroplan®* Reserve Card
This card holds a lot of appeal for luxury travellers, especially those who fly Air Canada. It offers just about every airport perk and travel insurance coverage you can think of, but it has a steep annual fee.
Rewards: Earn 3 points per dollar on purchases made directly with Air Canada and Air Canada Vacations, 2 points per dollar on dining and food delivery purchases in Canada, 2 points per dollar on purchases with Rocky Mountaineer and 1.25 points per dollar on everything else
Welcome Offer: Get 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 (up to 85,000 total points).
Annual Fee: $599
Other Benefits and Drawbacks: This card earns big on travel with Air Canada and provides airport perks and travel insurance. That said, unless you travel very often, the steep annual fee likely isn’t worth your while.
Featured Partners
1
American Express Cobalt® Card
On American Express’s Secure Website
Welcome Bonus
Up to 15,000 Membership Rewards points
Annual Fee
$155.88 ($12.99 per month)
Regular APR
21.99%
2
TD® Aeroplan® Visa Infinite* Card
On TD’s Website
Welcome Bonus
Up to $1,000 in value† including up to 40,000 Aeroplan points†
Annual Fee
$139
Credit Score Description
Good/Excellent
3
Scotiabank Gold American Express® Card
On Scotia Bank’s Website
Welcome Bonus
Up to 40,000 Scene+ points
Annual Fee
$120
Regular APR
20.99%
