Best Travel Credit Cards in Canada This November 2025
The travel rewards credit card landscape in Canada continues to evolve rapidly, with consumers seeking maximum value in an increasingly competitive market. According to the Bank of Canada, 62% of Canadian travelers now prioritize credit cards that offer flexible reward redemption and comprehensive travel benefits. For those looking to optimize their travel spending, understanding the top credit card options becomes crucial. Whether you're a frequent international traveler or occasional vacation planner, our comprehensive credit card comparison will help you navigate the best travel credit card choices this November 2025.
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Summary Table for Best Travel Credit Cards in Canada This November 2025
| Card | Annual Fee | Welcome Bonus | Best For | Apply |
|---|---|---|---|---|
|
RBC Avion® Visa Infinite Card Travel Rewards |
$120 | 55,000 Avion points | Travel Rewards | Apply |
|
American Express Cobalt® Credit Card Travel Rewards |
$155.88 ($12.99/month) | 15,000 Membership Rewards® points | Travel Rewards | Apply |
|
Scotiabank® Gold American Express® Card Travel Rewards |
$120 | Up to 50,000 Scene+ points | Travel Rewards | Apply |
|
TD Aeroplan Visa Infinite* Card Travel Rewards |
$139 | Up to 45,000 Aeroplan points | Travel Rewards | Apply |
|
CIBC Aventura Visa Infinite* Card Travel Rewards |
$139 | Up to 45,000 Aventura Points | Travel Rewards | Apply |
|
Scotiabank Passport™ Visa Infinite* Card Travel Rewards |
$150 | Up to 45,000 Scene+ Points | Travel Rewards | Apply |
|
TD First Class Travel Visa Infinite Card Cash Back |
$139 | Up to 165,000 TD Rewards Points | Cash Back | Apply |
|
TD Platinum Travel Visa Infinite Card Travel Rewards |
$89 | 50,000 TD Rewards Points | Travel Rewards | Apply |
|
American Express® Gold Rewards Card Travel Rewards |
$250 | 75,000 Membership Rewards® points | Travel Rewards | Apply |
|
National Bank World Elite Mastercard Travel Rewards |
$150 | 45,000 points | Travel Rewards | Apply |
1. RBC Avion® Visa Infinite Card
The RBC Avion® Visa Infinite Card is a powerful travel rewards credit card that offers cardholders flexible point redemption options and comprehensive travel insurance. With its generous welcome bonus and ability to earn points on various purchases, this card is designed for travelers seeking maximum value and travel benefits.
RBC Avion® Visa Infinite Card
- Flexible point redemption for flights
- Comprehensive travel insurance
- Ability to transfer points to airline partners
- Travel expense coverage
Pros
- Substantial welcome bonus
- Comprehensive travel insurance
- Flexible point redemption
- No foreign transaction fees
Cons
- Higher annual fee
- Income requirement may be restrictive
- Lower earn rate on non-travel purchases
Why is it Our Top Pick?
The RBC Avion® Visa Infinite Card stands out with its generous 55,000-point welcome bonus and flexible travel redemption options. Its comprehensive travel insurance and ability to transfer points to multiple airline partners make it an exceptional choice for frequent travelers seeking maximum value and protection.
2. American Express Cobalt® Credit Card
The American Express Cobalt® Credit Card is a versatile rewards credit card designed for young, active Canadians who enjoy dining, streaming, and travel. With its impressive points earning structure and flexible monthly fee, this card offers exceptional value across multiple spending categories.
American Express Cobalt® Credit Card
- Monthly point earning structure
- Flexible redemption options
- No minimum income requirement
- Travel and purchase insurance
Pros
- High earn rates in popular categories
- Flexible monthly fee structure
- No minimum income requirement
- Comprehensive rewards program
Cons
- Higher effective annual fee
- Points have specific redemption requirements
- Limited travel insurance compared to some competitors
3. Scotiabank® Gold American Express® Card
The Scotiabank Gold American Express Card offers exceptional value for dining, grocery, and entertainment spending, with a generous rewards program that allows cardholders to earn up to 6 Scene+ points per dollar on eligible purchases. It provides travelers and foodies a powerful rewards credit card with flexible redemption options and no foreign transaction fees.
Scotiabank® Gold American Express® Card
- No foreign transaction fees
- Real-time account balance tracking
- Scene+ rewards program membership
- Mobile app account management
Pros
- High earn rates in multiple categories
- No foreign transaction fees
- Flexible Scene+ points redemption
- First-year annual fee waiver
Cons
- $120 annual fee after first year
- Requires good to excellent credit
- Limited travel insurance compared to some competitors
4. TD Aeroplan Visa Infinite* Card
The TD Aeroplan Visa Infinite* Card is a premium travel rewards credit card designed for frequent Air Canada travelers, offering robust point-earning potential on travel, groceries, and gas with comprehensive Aeroplan program benefits. It provides travelers an efficient way to accumulate points and enjoy Air Canada-specific perks.
TD Aeroplan Visa Infinite* Card
- Air Canada travel perks
- Comprehensive travel insurance
- Aeroplan points redemption flexibility
- Complimentary first year
Pros
- Reasonable annual fee
- Strong Air Canada integration
- Multiple point-earning categories
- Travel insurance included
Cons
- Requires high personal income
- Limited non-travel redemption value
- Relatively high interest rates
5. CIBC Aventura Visa Infinite* Card
The CIBC Aventura Visa Infinite* Card is a premium travel credit card offering exceptional value for frequent travelers, featuring a robust welcome bonus, travel rewards, and comprehensive travel insurance benefits that make every journey more rewarding.
CIBC Aventura Visa Infinite* Card
- No foreign transaction fees
- NEXUS application fee rebate
- Comprehensive travel insurance
- Visa Airport Companion Program access
Pros
- Flexible travel rewards
- Comprehensive travel insurance
- Airport lounge access
- First-year annual fee often rebated
Cons
- High annual fee
- Requires good to excellent credit
- Limited rewards outside travel category
6. Scotiabank Passport™ Visa Infinite* Card
The Scotiabank Passport™ Visa Infinite* Card is an ideal travel companion for frequent travelers, offering zero foreign transaction fees, comprehensive travel perks, and a robust Scene+ points earning system that maximizes rewards on everyday spending.
Scotiabank Passport™ Visa Infinite* Card
- No foreign transaction fees
- Comprehensive travel insurance
- Airport lounge access
- Scene+ rewards program
Pros
- No foreign transaction fees
- Multiple lounge visits
- Comprehensive travel insurance
- Flexible rewards program
Cons
- Higher annual fee
- Requires high annual spending for full benefits
- Limited luxury travel perks compared to some competitors
7. TD First Class Travel Visa Infinite Card
The TD First Class Travel Visa Infinite Card is a premium travel rewards credit card offering an impressive welcome bonus of up to 165,000 TD Rewards Points and comprehensive travel benefits. Cardholders can earn enhanced points on travel purchases and enjoy additional perks like airport lounge access.
TD First Class Travel Visa Infinite Card
- Complimentary airport lounge access
- Comprehensive travel insurance
- No blackout dates on travel rewards
- First-year annual fee rebate
Pros
- High welcome bonus
- Flexible travel rewards
- Travel insurance included
- First-year fee waived
Cons
- High annual fee after first year
- Requires good to excellent credit
- Limited bonus categories
8. TD Platinum Travel Visa Infinite Card
The TD Platinum Travel Visa Card offers travelers a competitive rewards program with a solid welcome bonus of 50,000 TD Rewards Points and the flexibility to earn up to 3% back in travel rewards. Cardholders can enjoy travel benefits without strict blackout restrictions.
TD Platinum Travel Visa Infinite Card
- No blackout travel dates
- Flexible travel rewards
- Travel assistance services
- No annual fee first year
Pros
- Lower annual fee
- Flexible travel redemption
- Comprehensive welcome bonus
- Travel insurance included
Cons
- Lower rewards rate compared to Infinite
- Limited bonus category multipliers
- Requires good credit score
9. American Express® Gold Rewards Card
The American Express® Gold Rewards Card offers an exceptional rewards program for Canadian travelers and everyday spenders, providing robust earning potential with 2x points on travel, gas, grocery, and drugstore purchases. Its comprehensive welcome bonus and flexible point redemption make it a standout choice for those seeking maximum value from their credit card.
American Express® Gold Rewards Card
- First additional Gold Rewards card at no extra cost
- Airport lounge access
- Travel insurance included
- Membership Rewards® points flexibility
Pros
- Generous welcome bonus
- Flexible point redemption
- Multiple bonus point categories
- Travel-friendly benefits
Cons
- High annual fee
- Requires good to excellent credit
- Limited physical lounge access in Canada
10. National Bank World Elite Mastercard
The National Bank World Elite Mastercard is a premium credit card designed for high-income earners, offering substantial rewards, travel benefits, and a comprehensive points program. With its attractive welcome bonus and multiple earning categories, it provides exceptional value for frequent travelers and high spenders.
National Bank World Elite Mastercard
- $150 annual travel credit
- Unlimited access to National Bank Lounge at Montréal-Trudeau Airport
- Complimentary travel insurance
- eSIM benefit
Pros
- High earning potential
- Comprehensive travel benefits
- Substantial welcome bonus
- Lounge access
Cons
- High income requirement ($80,000 individual or $150,000 household)
- Relatively high annual fee
- Limited to National Bank customers
Final Words
Selecting the ideal financial product ultimately depends on your individual goals, spending patterns, and financial situation. We recommend comparing the features and benefits of our top picks, then taking action to optimize your financial strategy for the current market conditions.
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Frequently Asked Questions: Best Travel Credit Cards in Canada This November 2025
What are the top travel credit cards with the best rewards in Canada for 2025?
The RBC Avion® Visa Infinite Card and American Express Cobalt® Credit Card offer the most competitive travel rewards and points earning potential in Canada this November.
How do I choose the right travel credit card with lowest annual fees in Canada?
The Scotiabank® Gold American Express® Card provides an excellent balance of travel rewards and relatively low annual fees at approximately $120 per year.
Which travel credit card offers the best sign-up bonus for Canadians in November 2025?
The TD Aeroplan Visa Infinite* Card currently provides the most attractive sign-up bonus with up to 50,000 Aeroplan points for new cardholders.
What are the requirements for getting a premium travel credit card in Canada?
Most premium travel cards like the CIBC Aventura Visa Infinite* Card require a minimum annual income of $60,000 and a credit score above 680.
How can I maximize travel rewards with a credit card in Canada this year?
The American Express Cobalt® Credit Card offers the highest points multiplier for dining, groceries, and travel purchases, making it ideal for maximizing travel rewards.