1.Scotiabank Gold American Express® Card
Scotiabank
- 6%Scene+ points at Sobeys, Safeway, FreshCo and more
- 5%Scene+ points on groceries
Earn up to 50,000 bonus Scene+ points (valued at up to $500), available for accounts opened by November 1, 2026.
Earn 6 Scene+ points per $1 spent at Sobeys, Safeway, FreshCo and more; 5 Scene+ points per $1 spent on groceries.
The Scotiabank Gold American Express® Card stands out as the top choice because of its exceptional rewards structure, offering 6 Scene+ points per dollar spent at select grocery stores, making it ideal for frequent shoppers. Additionally, the card has no foreign transaction fees, enhancing its value for travelers.
Pros:
- High rewards on grocery and dining
- No foreign transaction fees
Cons:
- Annual fee of CA$120
- Limited to specific grocery stores for high rewards
2.Scotiabank Passport Visa Infinite + Card
Scotiabank
- 4%Scene+ points on travel purchases
- 1%Scene+ points on all other purchases
Earn up to 35,000 Scene+ points for accounts opened between August 4, 2026, and November 1, 2026.
Earn up to 4 Scene+ points on travel purchases.
What sets the Scotiabank Passport Visa Infinite + Card apart is its comprehensive travel benefits, including no foreign transaction fees and complimentary airport lounge access, making it a favorite among frequent travelers. The card also offers a solid welcome bonus of 35,000 Scene+ points, enhancing its appeal.
Pros:
- No foreign transaction fees
- Complimentary airport lounge access
Cons:
- Annual fee of CA$150
- Higher income requirement
3.American Express Cobalt Card
American Express
- 5%Points on eligible eats & drinks
- 3%Points on eligible streaming subscriptions
Earn up to 15,000 Membership Rewards points during your first year.
Earn 5 points for every CA$1 spent on eligible eats & drinks.
The American Express Cobalt Card shines for its exceptional earning potential, particularly in dining and grocery categories, where cardholders can earn 5 Membership Rewards points per dollar spent. This card is particularly appealing for those who frequently dine out or order takeout, maximizing their rewards.
Pros:
- High rewards on dining and groceries
- Flexible point redemption options
Cons:
- Monthly fee structure
- Higher annual fee for non-Quebec residents
4.The Platinum Card from American Express
American Express
- 5%Points on flights booked directly with airlines
- 5%Points on prepaid hotels booked on AmexTravel.com
Earn a welcome bonus of up to 100,000 Membership Rewards points.
Earn 5X Membership Rewards points on flights and hotels booked through Amex Travel.
The Platinum Card from American Express earns its place as a premium travel card due to its extensive benefits, including a generous welcome bonus of up to 100,000 Membership Rewards points. This card is tailored for frequent travelers, offering unparalleled perks such as airport lounge access and comprehensive travel insurance.
Pros:
- Extensive travel perks
- High welcome bonus
Cons:
- High annual fee
- Spending requirement for full bonus
5.TD First Class Travel Visa Infinite Card
TD Canada Trust
- 8%TD Rewards Points on travel purchases
- 6%TD Rewards Points on groceries and dining
Earn a welcome bonus of up to 146,000 TD Rewards Points plus a first-year annual fee rebate.
Earn 8 TD Rewards Points for every CA$1 spent on travel.
The TD First Class Travel Visa Infinite Card is a strong contender for travel enthusiasts, offering a substantial welcome bonus of up to 146,000 TD Rewards Points. Its high earning potential on travel and dining purchases makes it an excellent choice for those looking to maximize their rewards.
Pros:
- High rewards on travel and dining
- First-year annual fee rebate
Cons:
- Annual fee of CA$139
- Spending requirement for bonus
- 1%Avion points on everyday purchases
- 1%Avion points on travel purchases
The RBC Avion Visa Infinite offers a welcome bonus of up to 70,000 Avion points available for applications through November 25, 2026.
Earn 1 Avion point on everyday purchases.
The RBC Avion Visa Infinite card is a popular choice for travelers, offering a generous welcome bonus of up to 70,000 Avion points. Its flexibility in redeeming points for various travel options makes it a valuable asset for those who frequently travel.
Pros:
- Flexible redemption options
- Strong travel rewards
Cons:
- Annual fee of CA$120
- Limited high-earning categories
7.TD Aeroplan Visa Infinite Card
TD Canada Trust
- 1.5%Aeroplan points on gas, groceries, and Air Canada purchases
- 1%Aeroplan points on all other purchases
The TD Aeroplan Visa Infinite Card offers a welcome bonus of up to 40,000 Aeroplan points and a first-year annual fee rebate.
Earn 1.5 Aeroplan points per $1 spent on eligible gas, groceries, and Air Canada purchases.
The TD Aeroplan Visa Infinite Card is tailored for Air Canada travelers, offering a welcome bonus of up to 40,000 Aeroplan points. Its high earning rate on eligible purchases makes it an excellent choice for those who frequently fly with Air Canada.
Pros:
- Strong rewards for Air Canada flyers
- First-year annual fee rebate
Cons:
- Annual fee of CA$139
- Limited to Air Canada for high rewards
Did you know?
Travel credit cards reward flights and hotels but annual fees can be high. Value transfer partners, statement credits, and foreign transaction fees before picking a card from this list.
Final Words
As you navigate the best travel credit cards this September in Canada, remember that choosing the right card can significantly enhance your travel experience and rewards. Take time to compare your options carefully to make informed decisions that align with your travel habits and financial goals.
Frequently Asked Questions
The Scotiabank Gold American Express® Card offers a welcome bonus of Earn up to 50,000 bonus Scene+ points (valued at up to $500), available for accounts opened by November 1, 2026. You can earn 6 Scene+ points per $1 spent at Sobeys, Safeway, FreshCo and more, and 5 Scene+ points per $1 spent on groceries.
The Scotiabank Passport Visa Infinite Card provides a welcome bonus of Earn up to 35,000 Scene+ points for accounts opened between August 4, 2026, and November 1, 2026. You can earn up to 4 Scene+ points on travel purchases and 1 Scene+ point on all other purchases.
The American Express Cobalt Card offers a welcome bonus of Earn up to 15,000 Membership Rewards points during your first year. It allows you to earn 5 points for every CA$1 spent on eligible eats & drinks and 3 points for eligible streaming subscriptions.
When choosing a travel credit card, consider factors such as the annual fee, reward rates, and any welcome bonuses. Think about your travel habits and spending patterns to find a card that maximizes your rewards for the types of purchases you make most.
Yes, many travel credit cards come with annual fees, which can range widely depending on the card's features and benefits. It's important to evaluate whether the rewards and perks offered justify the cost of the annual fee based on your spending habits.
To maximize rewards with a travel credit card, always use the card for purchases that earn the most points, such as travel-related expenses or groceries, depending on the card's reward structure. Additionally, take advantage of welcome bonuses by meeting the spending requirements within the promotional period.
Absolutely! Many travel credit cards allow you to earn points on everyday purchases. However, the point generation may vary, so check the card’s reward structure to ensure you’re earning points effectively on your regular spending.
Applying for a travel credit card typically involves filling out an online application, providing personal information, and verifying your income. Approval can be instant, but it may take a few days if further documentation is required.
