Best Travel Credit Cards In Canada This September 2025

Why is it Our Top Pick?

This td® aeroplan® visa infinite card offers excellent value and competitive features that make it stand out in the Canadian market.

Rewards

• 10,000 points welcome bonus on first purchase
• Additional 15,000 points after spending $7,500 in first 180 days
• 20,000 points anniversary bonus after spending $12,000 in first year

Pros

• Generous welcome bonus structure
• Strong earn rate on travel categories
• Comprehensive Air Canada benefits
• First-year annual fee rebate offers

Cons

• High annual fee ($139)
• Additional cardholder fee ($75)
• High minimum spend requirements for bonus points

Key Features

• NEXUS fee rebate
• Comprehensive travel insurance
• First checked bag free on Air Canada flights
• Maple Leaf Lounge access benefits

Rewards

• 5x points on restaurants, groceries, and food delivery
• 3x points on streaming subscriptions
• 2x points on gas and transit
• 1x points on all other purchases

Pros

• Industry-leading earn rate on food purchases
• Flexible monthly fee structure
• Strong welcome bonus potential
• Comprehensive rewards program

Cons

• High annual fee when totaled ($191.88)
• Limited acceptance compared to Visa/Mastercard
• Monthly spending threshold for welcome bonus

Key Features

• Monthly welcome bonus structure
• Flexible points redemption options
• Extra point on American Express Travel bookings
• Up to $2,500 monthly cap on 5x categories

Rewards

• 6x Scene+ points at select grocery stores
• 5x Scene+ points on dining and entertainment
• 3x Scene+ points on gas, transit, and select streaming services

Pros

• Strong welcome bonus worth up to $1,050 in value
• No foreign transaction fees
• High earn rates on everyday spending categories
• First-year annual fee waived

Cons

• $120 annual fee after first year
• High income requirement (660+ credit score needed)
• Limited acceptance compared to Visa/Mastercard
• Higher interest rates for purchases and cash advances

Key Features

• No foreign transaction fees
• Comprehensive travel insurance coverage
• Mobile device insurance
• Supplementary cards for $29/year

Rewards

• 1.25x points on travel purchases
• 1x points on all other purchases
• 20% bonus points at Petro-Canada
• Points transferable to airline partners

Pros

• Large welcome bonus (55,000 total points)
• Comprehensive travel insurance
• Flexible redemption options
• No blackout dates on flights

Cons

• High annual fee ($120)
• High income requirement ($60,000 personal/$100,000 household)
• Cash advance fees ($3.50 domestic/$5 international)
• Lower earn rate on regular purchases

Rewards

• 15,000 points welcome bonus on first purchase
• Additional 30,000 points when spending $3,000 in first 4 months
• Points can be redeemed for flights, travel, merchandise and more

Pros

• Generous welcome bonus worth up to $900 in travel
• Comprehensive travel insurance package
• Airport lounge access included
• Annual fee rebate possible

Cons

• High annual fee of $139 if not waived
• High minimum income requirements
• High interest rates on purchases and cash advances

Rewards

• 10,000 points welcome bonus after spending $1,000 in 3 months
• 1 point per $1 on all eligible purchases
• Points can be used for travel, gift cards, or statement credits

Pros

• No annual fee
• Simple rewards structure
• Environmentally conscious card design
• Multiple redemption options

Cons

• Lower earn rate compared to premium cards
• Limited premium benefits
• No specific category multipliers for everyday spending

Rewards

• Earn 1.5x points on Air Canada purchases
• Earn 1.5x points on gas and grocery purchases
• Earn 1x points on all other purchases

Pros

• Strong earning rate on travel and everyday purchases
• Valuable Air Canada travel benefits
• Annual fee waiver with CIBC Smart Plus Account
• Comprehensive travel insurance coverage

Cons

• High annual fee of $139
• High minimum income requirement
• Additional cardholder fee of $50

Rewards

• Up to 90,000 welcome bonus points
• 3x points on Air Canada purchases
• 2x points on hotels and car rentals
• 1.25x points on all other purchases

Pros

• Generous welcome bonus
• Premium travel benefits
• High earn rate on travel purchases
• Comprehensive business tools

Cons

• High annual fee of $599
• Additional cards cost $199 each
• High minimum spend requirement for bonus

Rewards

• 2 points per $1 spent on Air Canada purchases
• 1.5 points per $1 on dining, travel, shipping, internet, cable and phone services
• 1 point per $1 on all other purchases

Pros

• Generous welcome bonus potential of up to 100,000 points
• Enhanced earn rates on business-related categories
• Comprehensive travel benefits package
• Flexible interest rate options starting at 12.99%

Cons

• Significant annual fee of $180
• Additional cardholder fee of $50
• Higher interest rates for some applicants
• Must qualify for business credit card requirements