Best Travel Credit Cards in Canada
Updated for 2026 • Reviewed for accuracy
Compare popular Canadian travel credit cards for flexible points, airline rewards, no foreign transaction fees, travel insurance, airport perks, and everyday rewards that can be used toward travel.
These travel credit cards are grouped by common use case. The best choice depends on whether you value flexible points, airline rewards, no foreign transaction fees, premium perks, or simple travel redemptions.
Top Travel Credit Card Picks in Canada
| Card | Best For | Fee | Rewards |
|---|---|---|---|
| American Express Cobalt | Everyday travel rewards | $15.99/month | Membership Rewards |
| Scotiabank Passport Visa Infinite | No FX fees | $150 | Scene+ |
| RBC Avion Visa Infinite | Flexible travel | $120 | Avion points |
| TD Aeroplan Visa Infinite | Air Canada travellers | $139 | Aeroplan |
| American Express Platinum | Premium travel perks | $799 | Membership Rewards |
How to choose a travel credit card in Canada
The best travel credit card depends on how you travel and how you prefer to redeem rewards. Some users want airline points, while others prefer flexible points that can be used across multiple travel providers.
Travellers should also compare annual fees, travel insurance, foreign transaction fees, airport benefits, lounge access, and whether the card’s reward categories match everyday spending.
A premium card may be worth the fee if you use the perks often. A lower-fee card may be better if you travel occasionally and want simple value without needing to maximize every benefit.
Flexible points vs airline rewards
Flexible points can be useful because they are not tied to one airline. They may allow redemptions through travel portals, statement credits, or transfer partners depending on the program.
Airline rewards can be valuable if you frequently fly with a specific airline or alliance. For Canadian travellers, Aeroplan can be attractive if Air Canada is a common choice, but the value depends on redemption availability and travel patterns.
Compare credit cards instantly
Use our tool to compare cashback rates, rewards, and fees side-by-side.
Try the Credit Card Comparison Tool →Frequently Asked Questions
What is the best travel credit card in Canada?
The best travel credit card in Canada depends on how often you travel, where you spend, whether you want flexible points, airline rewards, no foreign transaction fees, or premium travel perks.
Are travel credit cards worth it?
Travel credit cards can be worth it if the rewards, insurance, lounge access, travel credits, or redemption value are greater than the annual fee.
What matters most in a travel credit card?
Important factors include annual fee, rewards rate, redemption flexibility, travel insurance, foreign transaction fees, airport benefits, and whether the card matches your travel habits.
Should I choose Aeroplan, Avion, Scene+, or Membership Rewards?
The best rewards program depends on how you redeem. Aeroplan may suit Air Canada travellers, Avion and Scene+ can offer flexible travel options, and Membership Rewards can be useful for users who value transfer partners and flexible points.
This page is for educational purposes only and does not constitute financial advice. Credit card terms, fees, rewards, and eligibility requirements may change. Always verify information directly with the card issuer before applying.