1.Scotiabank Passport Visa Infinite + Card
Scotiabank
- 3%Points per $1 spent at select grocery stores
- 2%Points per $1 spent on groceries, dining, entertainment, and transit
- 1%Points per $1 spent on everything else
The Scotiabank Passport Visa Infinite+ Card offers up to 60,000 bonus Scene+ points as a welcome bonus (a $600 value) plus an estimated $900 in other first-year savings and rewards.
The Scotiabank Passport Visa Infinite card earns Scene+ points on everyday spending, offering an accelerated rate of 3 points per $1 at select grocery stores, 2 points per $1 on groceries, dining, entertainment, and transit, and 1 point per $1 on everything else.
20.99%
22.99%
The Scotiabank Passport Visa Infinite + Card stands out as the top choice because it offers no foreign transaction fees and six complimentary airport lounge passes, making it ideal for frequent travelers. Its flexible Scene+ points can be redeemed for various categories, enhancing its value proposition.
Pros:
- No foreign transaction fees
- Six complimentary annual airport lounge passes
Cons:
- Annual fee applies
- Income requirements may be high
2.American Express Cobalt Card
American Express
- 5%Points for every $1 on eligible eats & drinks
- 3%Points for every $1 on eligible streaming services
- 1%Points for every $1 on all other purchases
New cardmembers can earn up to 15,000 bonus points in their first year. You get 1,250 points for each monthly billing period where you make at least $750 in net purchases.
The American Express Cobalt Card earns highly valuable Membership Rewards points, featuring an accelerated earning tier of 5 points for every $1 on eligible eats and drinks.
21.99%
21.99%
What sets the American Express Cobalt Card apart is its exceptional earning potential on dining and groceries, making it one of Canada's top travel rewards cards. The flexibility in redeeming points for travel or statement credits adds to its appeal.
Pros:
- High rewards on dining and groceries
- Flexible point transfers to travel partners
Cons:
- Monthly fee can add up
- Not ideal for low spenders
- 3%Points for every $1 spent on Porter purchases
- 2%Points for every $1 spent on gas and transportation
The BMO VIPorter World Elite Mastercard offers a welcome bonus of up to 70,000 VIPorter points and one round-trip companion pass, plus first-year annual fee waiver and qualifying spend.
The BMO VIPorter World Elite Mastercard provides a tiered point-earning structure, earning 3 VIPorter points for every $1 spent on eligible Porter purchases.
21.99%
23.99%
This card shines for its generous welcome bonus and automatic elite-tier perks, making it a top choice for frequent travelers with Porter Airlines. The tiered earning structure allows cardholders to maximize their rewards on travel-related purchases.
Pros:
- High welcome bonus
- Automatic elite-tier airline perks
Cons:
- High annual fee
- Limited to Porter airline benefits
- 1.25%Points for every $1 on eligible travel-related purchases
- 1%Points for every $1 on everyday purchases
The RBC Avion Visa Infinite Card offers a welcome bonus of up to 70,000 Avion points (a travel value of up to $1,500).
The RBC Avion Visa Infinite Card earns 1 Avion point per dollar on everyday purchases, with a 25% boost to 1.25 points per dollar on eligible travel-related purchases.
20.99%
22.99%
A key differentiator is the RBC Avion Visa Infinite's flexibility in redeeming points across various airlines without blackout dates, making it a favorite among travelers. Its competitive earning rates on travel-related purchases enhance its overall value.
Pros:
- Flexible flight redemptions
- No blackout dates
Cons:
- Annual fee applies
- Maximizing value relies on redemption strategy
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 consider the best travel credit cards this July 2026, remember to focus on features that align with your travel habits, such as no foreign transaction fees and rewards on everyday spending. Take time to compare your options carefully, ensuring you make an informed decision that maximizes your benefits and enhances your travel experience.
Frequently Asked Questions
The Scotiabank Passport Visa Infinite+ Card offers up to 60,000 bonus Scene+ points as a welcome bonus (a $600 value) plus an estimated $900 in other first-year savings and rewards. This card also provides no foreign transaction fees and six complimentary annual airport lounge passes.
The Scotiabank Passport Visa Infinite card earns Scene+ points on everyday spending, offering an accelerated rate of 3 points per $1 at select grocery stores, 2 points per $1 on groceries, dining, entertainment, and transit, and 1 point per $1 on everything else.
New cardmembers can earn up to 15,000 bonus points in their first year. You get 1,250 points for each monthly billing period where you make at least $750 in net purchases.
The American Express Cobalt Card earns highly valuable Membership Rewards points, featuring an accelerated earning tier of 5 points for every $1 on eligible eats and drinks, 3% for every $1 on eligible streaming services, and 1% for every $1 on all other purchases.
The BMO VIPorter World Elite Mastercard offers a welcome bonus of up to 70,000 VIPorter points and one round-trip companion pass, plus first-year annual fee waiver and qualifying spend. It also has a tiered point-earning structure, providing 3 VIPorter points for every $1 spent on eligible Porter purchases.
When selecting a travel credit card, consider factors like the annual fee, welcome bonuses, earning rates on different purchases, and additional benefits such as travel insurance or lounge access. It's essential to choose a card that aligns with your spending habits and travel preferences.
Travel credit cards can still be beneficial for infrequent travelers as many offer rewards on everyday spending and valuable perks like no foreign transaction fees. However, it's crucial to evaluate the annual fees and ensure that the rewards you earn outweigh the costs.
To maximize rewards, use your travel credit card for all eligible purchases, especially in categories that earn higher points. Additionally, take advantage of welcome bonuses by meeting the spending requirements within the specified time frame and consider using your rewards for travel-related expenses.
