The perfect rewards bank cards in Canada for March 2024

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In the event you’re not leveraging your on a regular basis spending to earn rewards, you’re lacking out. Rewards bank cards assist you to earn money again or factors, which may be redeemed towards groceries, journey, merchandise, reward playing cards and extra. However to determine the most effective rewards bank card for you, you’ll must reply a number of questions. Do you like to gather factors or get money again in your pocket? Is it price paying an annual price for premium perks, or would you moderately a no-fee card? What sort of journey rewards would you like?

Irrespective of your standards, you’re sure to search out an ideal match with one (or extra!) of the rewards bank cards beneath.

Finest general money again bank card

At a look: On the subject of rewards, there’s nothing like money, and the SimplyCash Most popular Card from American Specific is our choose for the most effective money again bank card. It pairs first-class returns on groceries and gasoline—two of the most-used spending classes for Canadians—with an above-average base earn fee. Plus, it provides entry to all types of Amex advantages whenever you use this card.

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SimplyCash Most popular from American Specific

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• Annual price: $120
• Earn fee: 4% money again on eligible gasoline and grocery purchases; 2% money again on the whole lot else
• Welcome provide: You’ll be able to earn a $40 assertion credit score for every month-to-month billing interval during which you spend $750 in purchases in your card.
• Annual earnings requirement: None

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Execs

• With a assured 2% base earn fee, the SimplyCash Most popular multiplies the earnings supplied by many competing playing cards—and there’s no restrict to how a lot you might earn.
• For a lot of Canadians, gasoline and groceries are main expenditures, and this card gives a whopping 4% again on each. 
• Like many different bank cards in Canada, this one has a restrict on the quantity of bonus earnings you possibly can accumulate however they’re so beneficiant that they possible gained’t make a distinction for the common particular person. For instance, you’d need to spend almost $2,500 monthly on groceries and gasoline to max out these bonus classes. And even when you try this, you’d nonetheless earn on the 2% base fee, which is fairly good.  
• If you wish to earn much more in money again, you will get supplementary bank cards for members of the family at no extra price. 
• This bank card comes with Amex advantages like Entrance of the Line, which will get you early entry to occasion tickets, in addition to eating and retail experiences. Plus, you’ll obtain Amex Presents, tailor-made to your spending habits. 
• Whereas the most effective insurance coverage packages often include journey bank cards, this bank card contains $100,000 in journey accident insurance coverage, in addition to mixed baggage and flight delay protection to get you in your method.

Cons

• American Specific is extensively accepted throughout Canada, however there are some essential exceptions. Loblaw-affiliated shops, for instance, don’t settle for Amex, so you possibly can’t money in on the boosted grocery rewards there. (That you just? Try our Finest retailer bank cards.)
• You’ll be able to’t select whenever you get your rewards with this bank card loyalty program. As a substitute, you’ll get a lump sum utilized to your account as soon as per 12 months, in September.

Finest no-fee money again card

At a look:  If you need a no-fee money again bank card, the SimplyCash Card from American Specific gives lots of the similar advantages of the SimplyCash Most popular, however with decrease earn charges. Nonetheless, with a base fee of 1.25%, and a 2% fee on gasoline and groceries, your on a regular basis spending will assist increase your checking account.

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SimplyCash from American Specific

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• Annual price: $0
• Earn fee: 2% money again on eligible gasoline and grocery purchases as much as $300 yearly; 1.25% money again on the whole lot else
• Welcome provide: You’ll be able to earn a $10 assertion credit score for every month-to-month billing interval during which you make at the very least $300 in purchases (for a complete worth of as much as $100).
• Annual earnings requirement: None

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Execs

• Contemplating most no-fee bank cards in Canada have a base earn fee of 0.5%, the 1.25% supplied by this card is eye-catching. 
• You’ll get a return of two% on the primary $15,000 you spen on groceries and gasoline, that means you possibly can earn as much as $600 yearly in these classes alone.

Cons

• Similar to with the SimplyCash Most popular, rewards are paid out annually, each September. 
• You gained’t have the ability to use this bank card wherever that doesn’t settle for American Specific.

Finest flat-rate money again card

At a look: By providing a 3% return on U.S. greenback purchases, this card is successfully a no-forex-fee card with no annual price. Plus, all Canadian-currency purchases nonetheless earn at a strong 1.5% money again fee. This card additionally comes with some good World Elite Mastercard extras, like free Boingo Wi-Fi and Mastercard Journey Move Supplied By DragonPass, which supplies you entry to some airport lounges.

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Rogers World Elite Mastercard

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• Annual price: $0
• Earn fee: 1.5% money again on all purchases; 3% money again on all U.S.-dollar purchases
• Welcome bonus: You’ll be able to earn $25 welcome bonus in money again rewards upon first card buy inside 3 months of receiving your card.
• Annual earnings requirement: Private earnings of $80,000 or family earnings of $150,000

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Execs 

• The 1.5% flat fee means you gained’t have to fret about spending classes if you wish to maximize your rewards.
• This is without doubt one of the finest bank cards to make use of at Costco, because it doesn’t settle for Visa or American Specific.
• The accelerated 3% earn fee on purchases made in U.S. {dollars} implies that whether or not you store in-person or on-line, you’re making sufficient again to offset overseas trade charges.
• It’s uncommon for World Elite Credit cards to be obtainable in Canada with no annual price. 
• Redemptions are versatile. You’ll be able to money out as quickly as you have got $10 in rewards.

Cons

• The earnings necessities are excessive at $80,000 ($150,000 for a family). 
• If you wish to preserve this bank card, you’ll need to spend $15,000 on it yearly. In the event you don’t, your account could also be switched to a different Rogers Financial institution bank card.

Finest general journey rewards bank card

At a look: This card gives a number of the highest earn charges on regularly used spending classes, which the corporate broadly defines. Redeeming your rewards are easy, and you’ll increase the worth of your factors through the use of them for journey and transferring them to different loyalty packages, like Aeroplan or Marriott Bonvoy. This card additionally includes a fairly good insurance coverage package deal.

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American Specific Cobalt

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• Annual price: $156
• Earn fee: 5 factors per $1 spent on eating and groceries; 2 factors per $1 spent on transit and gasoline; and 1 level per $1 spent on all different purchases
• Welcome provide: You’ll be able to earn 1,250 factors for every month you spend $750, as much as a most of 15,000 factors.
• Annual earnings requirement: None

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Execs

• With earn charges—like 5 factors per greenback on groceries and eating, and three factors per greenback on streaming providers—this bank card is designed to allow you to construct up factors rapidly. 
• The best way that bonus classes are outlined implies that you’ll earn boosted factors on extra purchases. Take the journey and transit class, for instance: You’ll get 2 factors per greenback on flights and lodges, and on gasoline and public transportation, but in addition on taxis and rideshares. 
• Redemptions are simple and you’ve got plenty of selection in the way you spend your rewards. You’ll be able to put them towards any journey expense you’ve charged to your card at a fee of 1 level for $0.01 in journey financial savings. You’ll be able to switch them to taking part airline or lodge loyalty packages, which not solely will increase the place they can be utilized, but in addition their worth. And, as a result of Aeroplan factors are usually price greater than different rewards, you possibly can principally double the worth of your factors. Lastly, you need to use its Mounted Factors Journey chart to discover a beneficial fee with out worrying concerning the service or blackout dates.  
• Extra playing cards are free, so you possibly can add members of the family to build up extra factors, quicker. 

Cons

• American Specific playing cards aren’t as extensively accepted throughout Canada as Visa or Mastercard. 
• Whereas many comparable playing cards cost $120 in annual charges, at 155.88 (charged at $12.99 month-to-month), this card’s price prices fairly a bit greater than different rewards bank cards on our checklist right here. 
• One of many key journey perks—no overseas trade charges—is just not on provide right here. 
• The journey insurance coverage package deal is kind of complete with the notable exception of journey cancellation protection, which covers you in case of a sudden sickness.

Honourable point out

At a look: The Scotia Gold Amex rivals our high choose by providing tremendous aggressive earn charges, a complete journey insurance coverage package deal, and precious perks like no overseas trade charges—which the Cobalt lacks. Nonetheless, you gained’t have the chance to switch, and subsequently probably enhance the worth of, your factors.

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Scotiabank Gold American Specific

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• Annual price: $120 (waived for the primary 12 months)
• Earn charges: 6 factors per $1 spent on groceries at Sobeys-affiliated shops; 5 factors per $1 on eating, leisure and groceries at different eligible grocery shops; 3 factors per $1 on gasoline, day by day transit and choose streaming providers; 1 level per $1 on the whole lot else
• Welcome provide: You’ll be able to earn as much as $650 in worth within the first 12 months, together with as much as 40,000 bonus Scene+ factors. Should apply by July 1, 2024.
• Annual earnings requirement: $12,000

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Execs

• Purchases at some grocers, like FreshCo and Sobeys, will return a really spectacular 6-points-per-dollar fee. And the 5-points-per-dollar class contains all kinds of outlets together with eating places, meals supply and grocery shops. 
• You’ll be able to retroactively redeem your factors (as much as one 12 months). Say, for instance, you booked a lodge in January, you might apply your Scene+ rewards to that journey buy throughout the upcoming 12 months. Plus, you’re not restricted to lodges and flights. The journey spending class considers Airbnbs, automobile shares, public transportation fares and taxis eligible for retroactive redemption, too. As if this card’s rewards weren’t versatile sufficient, it’s also possible to pay for journey rewards with each factors and money.
• The absence of overseas transaction charges is a high perk each for Canadian travellers and cross-border consumers, saving between 2% and a pair of.5% on purchases made in different currencies. 
• This bank card has a number of the finest journey insurance coverage in the marketplace.

Cons

• Your Scene+ factors are at all times valued at $0.01 per level, so there’s no room to spice up their shopping for energy. 
• The overseas trade price waiver is barely dampened by the truth that purchases in different currencies solely earn the bottom fee of 1 level per greenback. 
• You would possibly wish to carry a secondary Visa or Mastercard for these retailers in Canada who don’t settle for American Specific.

Finest airline journey bank cards

For Aeroplan

At a look: In the event you’re on the lookout for an Aeroplan card with easy redemptions, that is our choose. It’s price noting that when you use the Amex Cobalt and switch your Amex factors to Aeroplan, you will get the next worth to your rewards. However this bank card impresses us with perks just like the $100 Nexus price rebate and free first checked baggage.

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TD Aeroplan Visa Infinite Card

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• Annual price: $139 (annual-fee rebate—situations apply to qualify)
• Earn charges: 1.5 Aeroplan factors per $1 spent on gasoline, groceries and purchases made straight via Air Canada (together with trip packages), and 1 level per $1 on all different purchases
• Welcome bonus: You’ll be able to earn as much as 30,000 Aeroplan factors and no annual price for the primary 12 months. Circumstances apply. Account should be permitted by March 4, 2024. 
• Anniversary bonus: Earn 10,000 Aeroplan factors whenever you spend at the very least $7,500 inside 12 months of opening the account.
• Annual earnings requirement: Private earnings of $60,000 or family earnings of $100,000

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Execs 

• The cardboard has strong earn charges, and you will get the Aeroplan Standing Qualifying Miles that you must advance in Aeroplan standing. Larger standing means higher Air Canada advantages.
• Factors are redeemable with a dozen Star Alliance companion airways, like United and Lufthansa.
• This bank card contains free first checked baggage for as much as eight journey companions on North American flights and a $100 Nexus price rebate each 48 months—perks that may make your journey smoother.
• The included emergency medical journey protection is for 21 days, or 4 days for these 65 and older—longer than what most different playing cards provide.

Cons

• In the event you’re on the lookout for the best possible option to get as many Aeroplan factors as you possibly can, utilizing the Amex Cobalt and transferring your factors at a one-to-one ratio is a greater choice, however that is our selection for a easy, Aeroplan-specific card.

• The Aeroplan program is dynamic so that you’ll want to concentrate to the fluctuating factors values if you wish to get probably the most out of it. 
• At $139, the annual price is greater than another bank cards in its class.

For WestJet 

At a look: Between a aggressive earn fee and attention-grabbing perks, the RBC WestJet World Elite Mastercard is our advice for Canadians who fly with WestJet. Redeeming rewards is straightforward. And, with an annual round-trip companion voucher and your first checked bag is free for you and as much as eight journey companions, this journey bank card is a first-class card.

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WestJet RBC World Elite Mastercard

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• Annual price: $119
• Earn fee: 2% again in WestJet {dollars} on WestJet flights and holidays packages and 1.5% again on all different purchases
• Welcome provide: You’ll be able to earn as much as 600 WestJet {dollars} with the WestJet RBC World Elite Mastercard. Plus a Spherical-Journey Companion Voucher Each 12 months.
• Annual earnings necessities: Private earnings of $80,000 or family earnings of $150,000

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Execs

• You get an annual round-trip companion voucher to wherever WestJet flies. The companion voucher lets you guide a companion fare at a diminished fee whenever you guide a full fare for your self. You should utilize this to journey inside Canada and the continental U.S. beginning at $119. 
• Standing Lifts allow you to advance via the tier construction, gaining you entry to advantages like lounge entry. With this card, you possibly can rise up to a few $500 Lifts yearly.
• WestJet {dollars} (assume factors with a cash-back twist) are simple to gather with a minimal of 1.5% in WestJet {dollars} on each buy in your card. You’ll get boosted rewards of two% on WestJet flights or bundled holidays. 
• With the WestJet rewards program, you don’t need to maintain observe of something. It’s easy, and there are not any complicated charts nor blackout intervals for reserving.

Cons

• The diminished fee for the companion voucher solely applies to the bottom fee of your flight. You’ll need to pay any taxes, airport charges and air transportations expenses. 
• No transfersies. You’ll be able to’t use WestJet {dollars} with one other airline.

Finest no-fee journey bank card

At a look: With this card you possibly can earn versatile rewards factors which are simply redeemed for nearly something, together with journey. Plus, you possibly can switch them at a ratio of 1 to 1 to different frequent flyer or rewards packages which, relying on this system, can really enhance their worth. This card has quite a bit to supply, particularly for a no-fee card. 

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American Specific Inexperienced Card

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• Annual price: $0
• Earn fee: 1 level for each $1 spent on all purchases and 1 extra level for each $1 spent on lodge or automobile bookings made on americanexpress.ca.
• Welcome provide: You’ll be able to earn 10,000 Membership Rewards factors whenever you cost $1,000 in purchases to your card within the first three months of cardmembership.
• Annual earnings requirement: None

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Execs

• Incomes factors is straightforward with a flat fee of 1 level per greenback in your on a regular basis spending, and also you’ll double that for purchases made via Amex Journey On-line. 
• You’ll be able to redeem your factors at a flat fee of 10,000 factors for $10 in journey, or get extra out of your factors through the use of Amex’s Mounted Level chart. In some instances, reminiscent of with a switch to Aeroplan, you possibly can enhance the worth of your factors. 
• With this journey rewards bank card you have got entry to Entrance of the Line the place you possibly can make the most of advance entry to tickets. Amex Experiences lets you get pleasure from a wide range of curated eating, purchasing and leisure occasions.

Cons

• Typical for a no-fee bank card, this card doesn’t provide journey perks or characteristic insurance coverage. 
• You should utilize an American Specific card throughout Canada and overseas, however there are some shops, largely within the grocery sector, that don’t settle for it. Each Costco and Loblaw-banner shops don’t settle for Amex in Canada.

Finest pupil bank cards

For money again

At a look: The very first thing to notice about this card is the three% cash-back return on groceries—the very best fee within the nation for a no-fee card. In the event you spend simply $400 monthly on groceries, that comes out to $144 in money again for the 12 months. Plus, there are not any limits to how a lot you possibly can earn, making this a strong pupil bank card.

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BMO CashBack Mastercard for College students

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• Annual price: $0
• Earn charges: 3% money again on groceries (on the primary $500 monthly), 1% on recurring payments and 0.5% on the whole lot else
• Welcome provide: You’ll be able to earn 5% money again in your first 3 months. Circumstances apply.
• Annual earnings requirement: None

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Execs 

• At 3% money again on groceries, this pupil bank card gives the most effective fee in Canada for a no-fee card. The opposite bonus class, streaming providers return 1.5% including a bit extra to the package deal.
• In contrast to with some bank cards that pay out as soon as yearly, with this card you possibly can redeem your money whenever you want it. All you want is a minimal of $25 in money again and you’ll select to use it as an announcement credit score or deposit it into your BMO chequing, financial savings or InvestorLine account.

Cons

• At 0.5%, the bottom fee may very well be higher. Even another no-fee playing cards provide 1% or extra.
• Though there is no such thing as a restrict to how a lot money again you possibly can earn with this card, there are month-to-month caps within the bonus classes of $500 every.

For journey

At a look: With the CIBC Aeroplan Visa Card for College students, you possibly can earn precious and easy-to-redeem Aeroplan rewards, journey advantages and student-friendly perks—all with out paying an annual price.

CIBC Aeroplan Visa Card for College students

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• Annual price: $0
• Earn charges: 1 level per $1 spent on gasoline and EV charging, groceries and Air Canada purchases, and 1 level per $1.50 on the whole lot else
• Welcome provide: Earn 10,000 Aeroplan factors whenever you make your first buy ($200 worth).
• Rates of interest: 20.99% on purchases and 22.99% on money advances (21.99% in Quebec)
• Annual earnings requirement: None

Go to CIBC.com for extra particulars

Execs

• Aeroplan factors are versatile and transferable. There are not any seat restrictions or blackout dates for utilizing your factors on Air Canada purchases, and it’s also possible to use factors with any of Aeroplan’s many companions, reminiscent of United and Aer Lingus.
• You don’t want to gather your entire quantity of rewards in factors. You’ll be able to pay in money and factors.
• You’ll turn into a member with the favored SPC pupil low cost program, which supplies you entry to financial savings and giveaways.
• It can save you as much as $0.10 per litre whenever you purchase gasoline at taking part stations with Journie Rewards.

Cons

As a no-fee card, this card has decrease earn charges than different Aeroplan playing cards.
The one included insurance coverage with this card is widespread service accident protection, automobile rental collision and loss injury safety and buy safety.
You gained’t earn Standing Qualifying Miles in your on a regular basis purchases, in contrast to with different Aeroplan playing cards.
The Aeroplan factors program is actually dynamic, that means that the worth of your earned factors values do fluctuate, so this will not be the suitable card for somebody who’s on the lookout for simplicity.

Finest lodge bank card

At a look: With the flexibility to redeem for the whole lot from room upgrades to spa therapies, Marriott Bonvoy factors are tremendous precious for frequent Canadian travellers. Plus, they’re transferrable to about 40 airline packages. Extras, like free lodge stays and Amex advantages, make this a must-pack journey bank card to your subsequent journey.

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Marriott Bonvoy American Specific

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• Annual price: $120
• Earn charges: 5 factors per $1 at Marriott properties, 2 factors per $1 in every single place else
• Welcome provide: Earn as much as 80,000 factors. Supply ends Might 6, 2024.
• Annual earnings requirement: None

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Execs

• Marriott Bonvoy factors are versatile, incomes you upgrades throughout a wide range of lodges, together with the St. Regis, The Ritz-Carlton and the Westin. Or, use them for merchandise and experiences, or for journey bills like automobile leases and flights.
• With a 2 factors per greenback base fee and 5 factors per greenback spent on all Marriott lodge stays, this card enables you to construct up factors, quick.
• This card contains an annual free night time’s keep at a Marriott property. Plus you’ll get 15 Elite Night time Credit that may assist you to advance to the subsequent stage of standing, so you possibly can entry additional advantages.
• You’ll have entry to Amex advantages like Entrance of the Line, the place you’ll have early entry to occasion tickets. Plus, you possibly can make the most of curated eating, retail and wellness experiences.

Cons

• Though Marriott Bonvoy factors are transferable to airline packages, the speed is an underwhelming three-to-one for many transfers.
• Marriott Bonvoy is a dynamic loyalty program, that means you’ll want to concentrate to dates and occasions if you wish to get probably the most out of your factors.
• As an Amex bank card, it’s much less extensively accepted in Canada than Mastercard or Visa.

Finest retailer bank card

At a look: Quite a few retail companions, many alternatives to boosts your factors, and easy redemptions on the money register make PC Optimum considered one of Canada’s hottest factors packages. Once you spend with the PC World Elite Mastercard, you’ll get the very best worth of any retailer bank card in Canada.

PC Monetary World Elite Mastercard

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• Annual price: $0
• Earn charges: 45 PC Optimum factors per $1 at Consumers Drug Mart; 30 factors per $1 at Loblaw banner grocery shops (together with No Frills), and 10 factors per $1 on the whole lot else
• Welcome bonus: You’ll be able to earn 20,000 PC Optimum factors ($20 worth).
• Annual earnings requirement: Private earnings of $80,000 or family earnings of $150,000

Go to pcfinancial.com for extra particulars

Professional

• Once you use this card to pay for groceries, clothes or housewares at Loblaw-banner shops, like No Frills, Fortino’s or Actual Canadian Superstore, you’ll get 30 factors per greenback—a 3% return. Purchases at Consumers Drug Mart earn 45 factors per greenback, which is a whopping 4.5% return.

• There are a lot of methods to multiply the factors you earn, together with in-store promotions, and you’ll stack your factors through the use of a PC Optimum Card together with your PC Monetary Card. 
• PC Optimum might have the only course of for redemption of any loyalty program in Canada. Merely present your card on the checkout of one of many above-mentioned shops, and request to make use of your factors. Even the rewards worth is simple: 10,000 factors are price $10.
• In the event you don’t meet the necessities for this higher-tier World Elite card, you might wish to take into account PC’s mid-tier and entry-level playing cards, which have decrease eligibility necessities however related perks.

Con

• The annual earnings requirement is pretty excessive at $80,000 per 12 months (or $150,000 for the family). 
• You preserve your eligibility for this card by spending at the very least $15,000 yearly on it. In any other case, you’ll be downgraded to PC’s lower-tier World or entry-level PC Mastercard.

Continuously requested questions

Video: Promotional charges: What to search for within the wonderful print

How a lot are bank card rewards factors price 

With constant rewards packages, the factors are price a set quantity and this doesn’t change. Listed below are the values of factors with constant rewards packages.  

How to decide on the most effective rewards card

In the event you’re purchasing round for a brand new bank card, you might discover most boil down to 2 sorts of rewards: factors or money again. It could be tempting to choose the cardboard that provides you the most effective return, nevertheless it’s not at all times that straightforward. The place you store, how a lot you spend every month and the kind of rewards you like, these ought to all be a part of your determination for the most effective rewards bank card for you.

The case for money again

In the event you want simplicity, cash-back playing cards are the way in which to go. The perfect money again bank cards provide the highest return primarily based in your on a regular basis spending habits. Right here’s what to contemplate:

Payouts: Relying on the cardboard, money again is paid out month-to-month, quarterly or yearly and refunded within the type of an announcement credit score, direct deposit to your checking account or a cheque within the mail.

Share earned: Money again bank cards provide fastened share on rewards primarily based how a lot you spend on the cardboard. Usually talking, money again playing cards with an annual price will earn you the next base share, so you must issue that in when you’re evaluating it to a no-fee bank card.

Multipliers: Some money again playing cards provide multipliers, which provide you with the next share of money again in widespread spending classes reminiscent of grocery shops, gasoline stations, drugstores and automatic funds for recurring payments.

The case for rewards

As a substitute of incomes money, journey rewards bank cards internet factors that can be utilized to say journey (flights, lodges), reward playing cards, or merchandise. Rewards playing cards may be fairly profitable when you understand how to earn and redeem factors successfully, however there are a number of options to contemplate.

Kind of rewards earned: Rewards bank cards are both linked to a selected journey model (airline or lodge), or provide you with flexibility to journey on any service. In the event you’re loyal to a selected model, it is sensible to choose a co-branded card. In the event you want flexibility, then choose a card that provides you probably the most choices.

Signup bonus: Most rewards playing cards provide an enormous signup bonus to entice Canadians to use. Assuming you possibly can meet the minimal spend requirement, that bonus may very well be price a number of hundred {dollars}.

Ease of redemption: Rewards are ineffective when you can not use them. Search for loyatly packages with out blackout dates. One other no-deal: Too many restrictions, so you possibly can’t redeem your factors everytime you need.

Worth of your factors: Know what your rewards (particularly factors or branded {dollars}) are literally price. For instance, when you earn 1 level for each $1 spent, and it takes 100 factors so that you can declare $1 in rewards, your factors are price 1%. If in case you have a co-branded bank card for flights or lodges, you must decide what number of factors it takes to get a free flight or lodge room.

Extra advantages: Other than rewards, you’ll wish to take a look at the extra perks and advantages. Many rewards card provide the next as commonplace advantages: complete journey insurance coverage package deal, auto rental insurance coverage and worth safety.

Extra of Canada’s finest bank cards: