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Should you’re not leveraging your on a regular basis spending to earn rewards, you’re lacking out. Rewards bank cards show you how to earn money again or factors, which will be redeemed towards groceries, journey, merchandise, present playing cards and extra. However to determine one of the best 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 value paying an annual price 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 awesome match with one (or extra!) of the rewards bank cards beneath.

Finest total money again bank card

At a look: In the case of rewards, there’s nothing like money, and the SimplyCash Most popular Card from American Categorical is our decide for one of the best 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 offers entry to all types of Amex advantages whenever you use this card.

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SimplyCash Most popular from American Categorical

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• Annual price: $120
• Earn charge: 4% money again on eligible fuel and grocery purchases; 2% money again on every part else
• Welcome provide: You’ll be able to earn a $40 assertion credit score for every month-to-month billing interval by which you spend $750 in purchases in your card.
• Annual revenue 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 can earn.
• For a lot of Canadians, fuel and groceries are main expenditures, and this card presents 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 probably gained’t make a distinction for the common individual. For instance, you’d should spend practically $2,500 per thirty days on groceries and fuel to max out these bonus classes. And even for those who do 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 further 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 one of the best insurance coverage packages normally 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 method.

Cons

• American Categorical is broadly accepted throughout Canada, however there are some vital 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 an alternative, 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’d like a no-fee money again bank card, the SimplyCash Card from American Categorical presents lots of the similar 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 increase your checking account.

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SimplyCash from American Categorical

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• Annual price: $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 provide: You’ll be able to earn a $10 assertion credit score for every month-to-month billing interval by which you make not less than $300 in purchases (for a complete worth of as much as $100).
• Annual revenue 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 possibly can earn as much as $600 yearly in these classes alone.

Cons

• Identical to with the SimplyCash Most popular, rewards are paid out yearly, each September. 
• You gained’t be capable to use this bank card anyplace that doesn’t settle for American Categorical.

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 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 Supplied By DragonPass, which provides you entry to some airport lounges.

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Rogers World Elite Mastercard

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• Annual price: $0
• Earn charge: 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 revenue requirement: Private revenue of $80,000 or family revenue of $150,000

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Professionals 

• The 1.5% flat charge means you gained’t have to fret about spending classes if you wish to maximize your rewards.
• This is among 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} signifies that whether or not you store in-person or on-line, you’re making sufficient again to offset international change charges.
• It’s uncommon for World Elite Credit cards to be accessible in Canada with no annual price. 
• Redemptions are versatile. You’ll be able to money out as quickly as you might have $10 in rewards.

Cons

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

Finest total journey rewards bank card

At a look: This card presents among the highest earn charges on ceaselessly used spending classes, which the corporate broadly defines. Redeeming your rewards are easy, and you’ll increase 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 package deal.

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American Categorical Cobalt

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• Annual price: $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 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 revenue 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 signifies 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 inns, and on fuel and public transportation, but additionally on taxis and rideshares. 
• Redemptions are simple and you’ve got numerous alternative 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 charge of 1 level for $0.01 in journey financial savings. You’ll be able to switch them to collaborating airline or resort 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 usually value greater than different rewards, you possibly can principally double the worth of your factors. Lastly, you should utilize its Mounted Factors Journey chart to discover a beneficial charge with out worrying in regards to the service or blackout dates.  
• Extra playing cards are free, so you possibly can add relations to build up extra factors, sooner. 

Cons

• American Categorical playing cards aren’t as broadly 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 record right here. 
• One of many key journey perks—no international change charges—will not be 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 decide by providing tremendous aggressive earn charges, a complete journey insurance coverage package deal, and invaluable perks like no international change charges—which the Cobalt lacks. Nevertheless, you gained’t have the chance to switch, and due to this fact probably improve the worth of, your factors.

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Scotiabank Gold American Categorical

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• Annual price: $120 (waived for the primary 12 months)
• Earn charges: 6 factors per $1 spent at Sobeys-affiliated shops; 5 factors per $1 on eating, leisure and groceries; 3 factors per $1 on fuel, transit and streaming; 1 level per $1 on every part 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 revenue 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’ll be able to retroactively redeem your factors (as much as one 12 months). Say, for instance, you booked a resort in January, you can apply your Scene+ rewards to that journey buy inside the upcoming 12 months. Plus, you’re not restricted to inns 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 too can 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 buyers, saving between 2% and a pair of.5% on purchases made in different currencies. 
• This bank card has among the greatest 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 international change price waiver is barely dampened by the truth that purchases in different currencies solely earn the bottom charge of 1 level per greenback. 
• You may need to carry a secondary Visa or Mastercard for these retailers in Canada who don’t settle for American Categorical.

Finest airline journey bank cards

For Aeroplan

At a look: Should you’re on the lookout for an Aeroplan card with easy redemptions, that is our decide. It’s value noting that for those who use the Amex Cobalt and switch your Amex factors to Aeroplan, you will get a better worth in your rewards. However this bank card impresses us with perks just like the $100 Nexus price rebate and free first checked luggage.

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TD Aeroplan Visa Infinite Card

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• Annual price: $139
• Earn charges: 1.5 Aeroplan factors per $1 spent on fuel, groceries and purchases made straight by means of Air Canada (together with trip packages), and 1 level per $1 on all different purchases
• Welcome bonus: You’ll be able to earn a welcome bonus of 10,000 Aeroplan factors whenever you make your first buy along with your new card; earn 20,000 Aeroplan factors whenever you spend $6,000 inside 180 days of Account opening. Circumstances apply. Account have to be permitted by June 3, 2024. 
• Anniversary bonus: Earn a one-time anniversary bonus of 20,000 Aeroplan factors whenever you spend $10,000 inside 12 months of opening the account. Circumstances apply. Account have to be permitted by June 3, 2024.
• Annual revenue requirement: Private revenue of $60,000 or family revenue of $100,000

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Professionals 

• The cardboard has stable earn charges, and you will get the Aeroplan Standing Qualifying Miles that that you must advance in Aeroplan standing. Greater standing means higher Air Canada advantages.
• Factors are redeemable with a dozen Star Alliance companion airways, like United and Lufthansa.
• This bank card consists of free first checked luggage for as much as eight journey companions on North American flights and a $100 Nexus price rebate each 48 months—perks that can 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

• Should you’re on the lookout for the best possible technique 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 possibility, however that is our alternative 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 charge and attention-grabbing perks, the RBC WestJet World Elite Mastercard is our suggestion 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 price: $119
• Earn charge: 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 $450 in WestJet {dollars} with the WestJet RBC World Elite Mastercard. Plus, get a Spherical-Journey Companion Voucher Each Yr – for any WestJet vacation spot ranging from $119 CAD (plus taxes, charges, costs and different ATC).
• Annual revenue necessities: Private revenue of $80,000 or family revenue of $150,000

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Professionals

• You get an annual round-trip companion voucher to anyplace WestJet flies. The companion voucher lets you guide a companion fare at a lowered charge whenever you guide a full fare for your self. You need to use this to journey inside Canada and the continental U.S. beginning at $119. 
• Standing Lifts allow you to advance by means of the tier construction, gaining you entry to advantages like lounge entry. With this card, you possibly can rise up to 3 $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 should maintain 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 costs. 
• 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 might be simply redeemed for nearly something, together with journey. Plus, you possibly can switch them at a ratio of 1 to at least one to different frequent flyer or rewards applications which, relying on this system, can really improve their worth. This card has rather a lot to supply, particularly for a no-fee card. 

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American Categorical Inexperienced Card

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• Annual price: $0
• Earn charge: 1 level for each $1 spent on all purchases and 1 further level for each $1 spent on resort or automotive 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 revenue 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 by means of Amex Journey On-line. 
• You’ll be able to 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 circumstances, comparable to with a switch to Aeroplan, you possibly can improve the worth of your factors. 
• With this journey rewards bank card you might have 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 quite a lot 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 need to use 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.

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 best charge within the nation for a no-fee card. Should you spend simply $400 per thirty days 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 possibly can earn, making this a stable 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 per thirty days), 1% on recurring payments and 0.5% on every part else
• Welcome provide: You’ll be able to earn 5% money again in your first 3 months. Circumstances apply.
• Annual revenue requirement: None

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Professionals 

• At 3% money again on groceries, this pupil bank card presents one of the best charge 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 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 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 invaluable 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 fuel and EV charging, groceries and Air Canada purchases, and 1 level per $1.50 on every part 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 revenue requirement: None

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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 too can use factors with any of Aeroplan’s many companions, comparable to United and Aer Lingus.
• You don’t want to gather all the 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 provides you entry to financial savings and giveaways.
• It can save you as much as $0.10 per litre whenever 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 widespread service accident protection, automotive rental collision and loss harm 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 absolutely dynamic, which means that the worth of your earned factors values do fluctuate, so this might not be the appropriate card for somebody who’s on the lookout for simplicity.

Finest resort bank card

At a look: With the power to redeem for every part from room upgrades to spa remedies, Marriott Bonvoy factors are tremendous invaluable for frequent Canadian travellers. Plus, they’re transferrable to about 40 airline applications. Extras, like free resort stays and Amex advantages, make this a must-pack journey bank card in your subsequent journey.

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Marriott Bonvoy American Categorical

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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. Provide ends Could 6, 2024.
• Annual revenue requirement: None

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Professionals

• Marriott Bonvoy factors are versatile, incomes you upgrades throughout quite a lot of inns, 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 resort stays, this card permits 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 can show you how to advance to the subsequent degree 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 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 probably the most out of your factors.
• As an Amex bank card, it’s much less broadly 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 applications. While you spend with the PC World Elite Mastercard, you’ll get the 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 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’ll be able to earn 20,000 PC Optimum factors ($20 worth).
• Annual revenue requirement: Private revenue of $80,000 or family revenue of $150,000

Go to pcfinancial.com for extra particulars

Professional

• While 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 lots of methods to multiply the factors you earn, together with in-store promotions, and you’ll stack your factors by utilizing a PC Optimum Card along with your PC Monetary Card. 
• PC Optimum might have the best 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.
• Should you don’t meet the necessities for this higher-tier World Elite card, it’s possible you’ll need to contemplate PC’s mid-tier and entry-level playing cards, which have decrease eligibility necessities however comparable perks.

Con

• The annual revenue 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 not 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.

Continuously requested questions

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

How a lot are bank card rewards factors value 

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

How to decide on one of the best rewards card

Should you’re purchasing round for a brand new bank card, it’s possible you’ll discover most boil down to 2 varieties of rewards: factors or money again. It is perhaps tempting to choose the cardboard that provides you one of the best return, but it surely’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 one of the best rewards bank card for you.

The case for money again

Should you desire simplicity, cash-back playing cards are the best way to go. The most effective money again bank cards provide the highest return based mostly 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.

Proportion earned: Money again bank cards provide fastened share on rewards based mostly how a lot you spend on the cardboard. Typically talking, money again playing cards with an annual price will earn you a better base share, so that you must issue that in for those who’re evaluating it to a no-fee bank card.

Multipliers: Some money again playing cards provide multipliers, which offer you a better share of money again in common 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 web factors that can be utilized to say journey (flights, inns), present playing cards, or merchandise. Rewards playing cards will be fairly profitable when you understand how 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 selected journey model (airline or resort), or offer you flexibility to journey on any service. Should you’re loyal to a selected model, it is smart to choose a co-branded card. Should you desire flexibility, then decide 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 could possibly be value a number of hundred {dollars}.

Ease of redemption: Rewards are ineffective for those who can’t use them. Search for loyatly applications 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 value. For instance, for those who 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%. You probably have a co-branded bank card for flights or inns, that you must decide what number of factors it takes to get a free flight or resort room.

Extra advantages: Apart from rewards, you’ll need to have 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 greatest bank cards: