The very best rewards bank cards in Canada for March 2024

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In case you’re not leveraging your on a regular basis spending to earn rewards, you’re lacking out. Rewards bank cards allow you to earn money again or factors, which could be redeemed towards groceries, journey, merchandise, present playing cards and extra. However to determine the perfect rewards bank card for you, you’ll have to reply a couple of questions. Do you favor to gather factors or get money again in your pocket? Is it value paying an annual charge for premium perks, or would you quite a no-fee card? What sort of journey rewards would you like?

Regardless of your standards, you’re certain to search out an incredible match with one (or extra!) of the rewards bank cards under.

Greatest total money again bank card

At a look: With regards to rewards, there’s nothing like money, and the SimplyCash Most popular Card from American Categorical is our choose for the perfect money again bank card. It pairs first-class returns on groceries and fuel—two of the most-used spending classes for Canadians—with an above-average base earn charge. Plus, it provides entry to all kinds of Amex advantages if you use this card.

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SimplyCash Most popular from American Categorical

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• Annual charge: $120
• Earn charge: 4% money again on eligible fuel and grocery purchases; 2% money again on every part else
• Welcome supply: You may earn a $40 assertion credit score for every month-to-month billing interval wherein you spend $750 in purchases in your card.
• Annual earnings requirement: None

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Professionals

• With a assured 2% base earn charge, the SimplyCash Most popular multiplies the earnings supplied by many competing playing cards—and there’s no restrict to how a lot you possibly can earn.
• For a lot of Canadians, fuel 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’ll be able to accumulate however they’re so beneficiant that they probably received’t make a distinction for the typical particular person. For instance, you’d should spend almost $2,500 monthly on groceries and fuel to max out these bonus classes. And even when you try this, you’d nonetheless earn on the 2% base charge, which is fairly good.  
• If you wish to earn much more in money again, you will get supplementary bank cards for relations at no extra charge. 
• 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 Provides, tailor-made to your spending habits. 
• Whereas the perfect insurance coverage packages often include journey bank cards, this bank card consists of $100,000 in journey accident insurance coverage, in addition to mixed baggage and flight delay protection to get you in your means.

Cons

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

Greatest no-fee money again card

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

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SimplyCash from American Categorical

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• Annual charge: $0
• Earn charge: 2% money again on eligible fuel and grocery purchases as much as $300 yearly; 1.25% money again on every part else
• Welcome supply: You may earn a $10 assertion credit score for every month-to-month billing interval wherein you make no less than $300 in purchases (for a complete worth of as much as $100).
• Annual earnings requirement: None

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Professionals

• Contemplating most no-fee bank cards in Canada have a base earn charge 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 fuel, which means you’ll be able to 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 received’t be capable of use this bank card anyplace that doesn’t settle for American Categorical.

Greatest 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 charge. Plus, all Canadian-currency purchases nonetheless earn at a stable 1.5% money again charge. This card additionally comes with some good World Elite Mastercard extras, like free Boingo Wi-Fi and Mastercard Journey Move Offered By DragonPass, which provides you entry to some airport lounges.

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Rogers World Elite Mastercard

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• Annual charge: $0
• Earn charge: 1.5% money again on all purchases; 3% money again on all U.S.-dollar purchases
• Welcome bonus: You may 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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Professionals 

• The 1.5% flat charge means you received’t have to fret about spending classes if you wish to maximize your rewards.
• This is likely one of the greatest bank cards to make use of at Costco, because it doesn’t settle for Visa or American Categorical.
• The accelerated 3% earn charge 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 international trade charges.
• It’s uncommon for World Elite Credit cards to be obtainable in Canada with no annual charge. 
• Redemptions are versatile. You may money out as quickly as you might have $10 in rewards.

Cons

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

Greatest total journey rewards bank card

At a look: This card gives among the highest earn charges on ceaselessly used spending classes, which the corporate broadly defines. Redeeming your rewards are easy, and you may enhance the worth of your factors by utilizing them for journey and transferring them to different loyalty applications, like Aeroplan or Marriott Bonvoy. This card additionally contains a fairly good insurance coverage bundle.

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American Categorical Cobalt

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• Annual charge: $156
• Earn charge: 5 factors per $1 spent on eating and groceries; 2 factors per $1 spent on transit and fuel; and 1 level per $1 spent on all different purchases
• Welcome supply: You may 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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Professionals

• 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 shortly. 
• 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 motels, and on fuel and public transportation, but additionally on taxis and rideshares. 
• Redemptions are straightforward and you’ve got a lot of selection in the way you spend your rewards. You may put them towards any journey expense you’ve charged to your card at a charge of 1 level for $0.01 in journey financial savings. You may switch them to collaborating airline or lodge loyalty applications, which not solely will increase the place they can be utilized, but additionally their worth. And, as a result of Aeroplan factors are sometimes value greater than different rewards, you’ll be able to principally double the worth of your factors. Lastly, you should use its Mounted Factors Journey chart to discover a beneficial charge with out worrying concerning the service or blackout dates.  
• Further playing cards are free, so you’ll be able to add relations to build up extra factors, quicker. 

Cons

• American Categorical 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 charge prices fairly a bit greater than different rewards bank cards on our record right here. 
• One of many key journey perks—no international trade charges—is just not on supply right here. 
• The journey insurance coverage bundle is sort 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 bundle, and beneficial perks like no international trade charges—which the Cobalt lacks. Nevertheless, you received’t have the chance to switch, and due to this fact doubtlessly enhance the worth of, your factors.

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Scotiabank Gold American Categorical

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• Annual charge: $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 fuel, day by day transit and choose streaming providers; 1 level per $1 on every part else
• Welcome supply: You may 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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Professionals

• Purchases at some grocers, like FreshCo and Sobeys, will return a really spectacular 6-points-per-dollar charge. And the 5-points-per-dollar class consists of all kinds of shops together with eating places, meals supply and grocery shops. 
• You may retroactively redeem your factors (as much as one 12 months). Say, for instance, you booked a lodge in January, you possibly can apply your Scene+ rewards to that journey buy inside the upcoming 12 months. Plus, you’re not restricted to motels and flights. The journey spending class considers Airbnbs, automotive shares, public transportation fares and taxis eligible for retroactive redemption, too. As if this card’s rewards weren’t versatile sufficient, you may as well pay for journey rewards with each factors and money.
• The absence of international transaction charges is a high perk each for Canadian travellers and cross-border customers, saving between 2% and a pair of.5% on purchases made in different currencies. 
• This bank card has among the greatest journey insurance coverage available on the market.

Cons

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

Greatest airline journey bank cards

For Aeroplan

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

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TD Aeroplan Visa Infinite Card

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• Annual charge: $139 (annual-fee rebate—situations apply to qualify)
• Earn charges: 1.5 Aeroplan factors per $1 spent on fuel, groceries and purchases made instantly via Air Canada (together with trip packages), and 1 level per $1 on all different purchases
• Welcome bonus: You may earn as much as 30,000 Aeroplan factors and no annual charge for the primary 12 months. Circumstances apply. Account should be authorised by March 4, 2024. 
• Anniversary bonus: Earn 10,000 Aeroplan factors if you spend no less than $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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Professionals 

• The cardboard has stable earn charges, and you will get the Aeroplan Standing Qualifying Miles that it’s worthwhile to advance in Aeroplan standing. Larger standing means higher Air Canada advantages.
• Factors are redeemable with a dozen Star Alliance associate airways, like United and Lufthansa.
• This bank card consists of free first checked baggage for as much as eight journey companions on North American flights and a $100 Nexus charge 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 supply.

Cons

• In case you’re searching for the very best option to get as many Aeroplan factors as you’ll be able to, 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 essentially the most out of it. 
• At $139, the annual charge is greater than another bank cards in its class.

For WestJet 

At a look: Between a aggressive earn charge and crowd pleasing perks, the RBC WestJet World Elite Mastercard is our advice for Canadians who fly with WestJet. Redeeming rewards is easy. 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 charge: $119
• Earn charge: 2% again in WestJet {dollars} on WestJet flights and holidays packages and 1.5% again on all different purchases
• Welcome supply: You may earn as much as 600 WestJet {dollars} with the WestJet RBC World Elite Mastercard. Plus a Spherical-Journey Companion Voucher Each Yr.
• Annual earnings necessities: Private earnings of $80,000 or family earnings of $150,000

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Professionals

• You get an annual round-trip companion voucher to anyplace WestJet flies. The companion voucher permits you to ebook a companion fare at a lowered charge if you ebook 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’ll be able to rise up to a few $500 Lifts yearly.
• WestJet {dollars} (assume factors with a cash-back twist) are straightforward 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 should hold monitor of something. It’s easy, and there aren’t any complicated charts nor blackout durations for reserving.

Cons

• The lowered charge for the companion voucher solely applies to the bottom charge of your flight. You’ll should pay any taxes, airport charges and air transportations fees. 
• No transfersies. You may’t use WestJet {dollars} with one other airline.

Greatest no-fee journey bank card

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

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American Categorical Inexperienced Card

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• Annual charge: $0
• Earn charge: 1 level for each $1 spent on all purchases and 1 extra level for each $1 spent on lodge or automotive bookings made on americanexpress.ca.
• Welcome supply: You may earn 10,000 Membership Rewards factors if you cost $1,000 in purchases to your card within the first three months of cardmembership.
• Annual earnings requirement: None

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Professionals

• Incomes factors is easy with a flat charge 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 may redeem your factors at a flat charge of 10,000 factors for $10 in journey, or get extra out of your factors by utilizing Amex’s Mounted Level chart. In some instances, comparable to with a switch to Aeroplan, you’ll be able to enhance the worth of your factors. 
• With this journey rewards bank card you might have entry to Entrance of the Line the place you’ll be able to reap the benefits of advance entry to tickets. Amex Experiences permits you to take pleasure in a wide range of curated eating, buying and leisure occasions.

Cons

• Typical for a no-fee bank card, this card doesn’t supply journey perks or characteristic insurance coverage. 
• You should utilize an American Categorical 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.

Greatest scholar 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 charge within the nation for a no-fee card. In case you spend simply $400 monthly on groceries, that comes out to $144 in money again for the 12 months. Plus, there aren’t any limits to how a lot you’ll be able to earn, making this a stable scholar bank card.

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BMO CashBack Mastercard for College students

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• Annual charge: $0
• Earn charges: 3% money again on groceries (on the primary $500 monthly), 1% on recurring payments and 0.5% on every part else
• Welcome supply: You may earn 5% money again in your first 3 months. Circumstances apply.
• Annual earnings requirement: None

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Professionals 

• At 3% money again on groceries, this scholar bank card gives the perfect charge in Canada for a no-fee card. The opposite bonus class, streaming providers return 1.5% including a bit extra to the bundle.
• In contrast to with some bank cards that pay out as soon as yearly, with this card you’ll be able to redeem your money if you want it. All you want is a minimal of $25 in money again and you may select to use it as a press release credit score or deposit it into your BMO chequing, financial savings or InvestorLine account.

Cons

• At 0.5%, the bottom charge could possibly be higher. Even another no-fee playing cards supply 1% or extra.
• Though there isn’t any restrict to how a lot money again you’ll be able to 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’ll be able to earn beneficial and easy-to-redeem Aeroplan rewards, journey advantages and student-friendly perks—all with out paying an annual charge.

CIBC Aeroplan Visa Card for College students

Go to CIBC.com for extra particulars

• Annual charge: $0
• Earn charges: 1 level per $1 spent on fuel and EV charging, groceries and Air Canada purchases, and 1 level per $1.50 on every part else
• Welcome supply: Earn 10,000 Aeroplan factors if 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

Professionals

• Aeroplan factors are versatile and transferable. There aren’t any seat restrictions or blackout dates for utilizing your factors on Air Canada purchases, and you may as well use factors with any of Aeroplan’s many companions, comparable to United and Aer Lingus.
• You don’t want to gather your complete quantity of rewards in factors. You may pay in money and factors.
• You’ll change into a member with the favored SPC scholar low cost program, which provides you entry to financial savings and giveaways.
• It can save you as much as $0.10 per litre if you purchase fuel at collaborating 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 frequent service accident protection, automotive rental collision and loss injury safety and buy safety.
You received’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 admittedly dynamic, which means that the worth of your earned factors values do fluctuate, so this is probably not the fitting card for somebody who’s searching for simplicity.

Greatest lodge bank card

At a look: With the power to redeem for every part from room upgrades to spa remedies, Marriott Bonvoy factors are tremendous beneficial for frequent Canadian travellers. Plus, they’re transferrable to about 40 airline applications. 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 Categorical

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

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Professionals

• Marriott Bonvoy factors are versatile, incomes you upgrades throughout a wide range of motels, together with the St. Regis, The Ritz-Carlton and the Westin. Or, use them for merchandise and experiences, or for journey bills like automotive leases and flights.
• With a 2 factors per greenback base charge and 5 factors per greenback spent on all Marriott lodge stays, this card allows you to construct up factors, quick.
• This card consists of an annual free night time’s keep at a Marriott property. Plus you’ll get 15 Elite Night time Credit that may allow you to advance to the following stage of standing, so you’ll be able to 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’ll be able to reap the benefits of curated eating, retail and wellness experiences.

Cons

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

Greatest 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 one in every of Canada’s hottest factors applications. If 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

Go to pcfinancial.com for extra particulars

• Annual charge: $0
• Earn charges: 45 PC Optimum factors per $1 at Customers Drug Mart; 30 factors per $1 at Loblaw banner grocery shops (together with No Frills), and 10 factors per $1 on every part else
• Welcome bonus: You may 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

• If 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 Customers Drug Mart earn 45 factors per greenback, which is a whopping 4.5% return.

• There are various methods to multiply the factors you earn, together with in-store promotions, and you may stack your factors by utilizing a PC Optimum Card along 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 value $10.
• In case you don’t meet the necessities for this higher-tier World Elite card, you could need to take into account PC’s mid-tier and entry-level playing cards, which have decrease eligibility necessities however comparable perks.

Con

• The annual earnings requirement is pretty excessive at $80,000 per 12 months (or $150,000 for the family). 
• You keep your eligibility for this card by spending no less than $15,000 yearly on it. In any other case, you’ll be downgraded to PC’s lower-tier World or entry-level PC Mastercard.

Often requested questions

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

How a lot are bank card rewards factors value 

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

How to decide on the perfect rewards card

In case you’re buying round for a brand new bank card, you could discover most boil down to 2 varieties of rewards: factors or money again. It is likely to be tempting to select the cardboard that provides you the perfect return, nevertheless it’s not all the time that easy. The place you store, how a lot you spend every month and the kind of rewards you favor, these ought to all be a part of your choice for the perfect rewards bank card for you.

The case for money again

In case you choose simplicity, cash-back playing cards are the way in which to go. The very best money again bank cards provide the highest return primarily based in your on a regular basis spending habits. Right here’s what to think about:

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

Share earned: Money again bank cards supply mounted proportion on rewards primarily based how a lot you spend on the cardboard. Typically talking, money again playing cards with an annual charge will earn you a better base proportion, so it’s worthwhile to issue that in when you’re evaluating it to a no-fee bank card.

Multipliers: Some money again playing cards supply multipliers, which provide you with a better proportion of money again in in style spending classes comparable to grocery shops, fuel stations, drugstores and automatic funds for recurring payments.

The case for rewards

As an alternative of incomes money, journey rewards bank cards internet factors that can be utilized to say journey (flights, motels), present playing cards, or merchandise. Rewards playing cards could be fairly profitable when you know the way to earn and redeem factors successfully, however there are a number of options to think about.

Sort of rewards earned: Rewards bank cards are both linked to a particular journey model (airline or lodge), or provide you with flexibility to journey on any service. In case you’re loyal to a particular model, it is smart to select a co-branded card. In case you choose flexibility, then choose a card that provides you essentially the most choices.

Signup bonus: Most rewards playing cards supply an enormous signup bonus to entice Canadians to use. Assuming you’ll be able to meet the minimal spend requirement, that bonus could possibly be value a couple of hundred {dollars}.

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

Worth of your factors: Know what your rewards (particularly factors or branded {dollars}) are literally value. 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 value 1%. When you’ve got a co-branded bank card for flights or motels, it’s worthwhile to decide what number of factors it takes to get a free flight or lodge room.

Further advantages: Except for rewards, you’ll need to take a look at the extra perks and advantages. Many rewards card supply the next as customary advantages: complete journey insurance coverage bundle, auto rental insurance coverage and value safety.

Extra of Canada’s greatest bank cards: