Honest reviews of the top rewards cards for Canadian families. Updated regularly so you always see the latest welcome bonuses.
The single best everyday card for most Canadians. Earn 5x on food and drinks — then transfer Membership Rewards to Aeroplan, Avios, or hotel programs at 1:1. Incredible flexibility for beginners and veterans alike.
RBC Avion points shine when transferred to British Airways Avios or Cathay Pacific Asia Miles — unlocking premium cabin redemptions at great rates. A solid all-around earner with strong travel insurance and a straightforward earn rate on every purchase.
The best entry-level RBC card. Earn Avion points on everyday spending — groceries, gas, dining — and build up to transferring to Avios or Asia Miles for premium cabin redemptions. A smart first step into the RBC ecosystem.
Zero foreign transaction fees — use this anywhere in the world and save the 2.5% surcharge. Includes 6 complimentary airport lounge passes. Great companion card to an Amex or Aeroplan card.
Best no-fee card for USD purchases. Earn 2% back on US dollar spend — great for cross-border shopping and US travel. Simple, no-hassle rewards with no annual fee.
The pinnacle of Canadian premium cards. Priority Pass + Centurion Lounge access, $200 annual travel credit, hotel elite status, and the most flexible transferable points currency in Canada. Note: unlimited Priority Pass access will require $20,000 annual spend starting Jan 2027. Centurion Lounge access unaffected.
The best card for Air Canada loyalists. Complimentary Maple Leaf Lounge access worldwide, priority check-in and boarding, free checked bags, and the highest Aeroplan earn rate available. Welcome bonus alone covers 2 transatlantic business class seats.
TD's top-tier Aeroplan card. Maple Leaf Lounge access, priority boarding and check-in, strong earn rates, and comprehensive travel insurance. A great alternative to the Amex Reserve if you prefer Visa acceptance.
RBC's flagship travel card. Complimentary Visa Airport Companion membership (6 free lounge visits), strong travel insurance, and Avion points that transfer to British Airways Avios and Cathay Pacific Asia Miles for premium redemptions.
The most popular Aeroplan card in Canada. Welcome bonus can get you a roundtrip to Europe. Free checked bags on Air Canada, priority boarding, and solid travel insurance make this a strong all-rounder for frequent Air Canada flyers.
WestJet Dollars work like cash — no complex redemption math. Every family member gets a free checked bag. The annual companion voucher lets you bring someone along at a deeply discounted base fare.
Best card for Porter Airlines flyers. Earn 6x on Porter flights and redeem for free flights. Includes a free checked bag on every Porter flight — great value if you're a frequent Ottawa, Toronto or Halifax traveller.
Outstanding value for business owners. At only $199/yr you earn Avion points on all business spending and transfer to British Airways Avios or Cathay Pacific Asia Miles for premium cabin redemptions. Putting business expenses on this card accelerates points earning dramatically.
The gold standard for Canadian business travellers. Unlimited Centurion and Priority Pass lounge access, $200 annual travel credit, hotel status upgrades, and the most powerful transferable MR points in Canada. For high-spending businesses, this card is transformative.
Best business card for Air Canada flyers. Earn the highest Aeroplan rates on business spending, with Maple Leaf Lounge access, priority services, and free checked bags. The welcome bonus alone is worth several business class flights.
Card offers, welcome bonuses, and annual fees change frequently. Always verify current terms directly with the card issuer before applying. We may receive a referral fee if you apply through our links — this never influences our reviews.
Use our points calculator to estimate how much you could earn with your monthly spending.