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Updated March 2025

Best Travel Credit Cards Canada 2025

Travel credit cards let you earn points on everyday spending redeemable for flights, hotels, and experiences. Canada has some of the world's best travel cards — here are the top picks for 2025.

Top Picks for 2025

Ranked by overall value — rates, fees, features, and Canadian-specific benefits.

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1
TD Aeroplan Visa Infinite
1.5x Aeroplan on groceries & gas, 1x everywhere

Bonus/Welcome: Up to 50,000 Aeroplan points

Pros: Top Aeroplan card, Air Canada perks, travel insurance

Cons: $139 fee, requires good credit

Annual Fee$139/year
Earn Rate1.5x Aeroplan on gro
2
American Express Cobalt
5x on food & drinks, 2x on transit & travel, 1x elsewhere

Bonus/Welcome: Up to 30,000 MR points in first year

Pros: Best multiplier on food, flexible MR points transfer to Aeroplan, hotel points

Cons: Monthly fee structure, Amex acceptance

Annual Fee$155.88/year ($12.99/month)
Earn Rate5x on food & drinks,
3
Scotiabank Passport Visa Infinite
3x on groceries, 2x on transit/dining/entertainment, 1x elsewhere

Bonus/Welcome: Up to 40,000 Scene+ points

Pros: No FX fees (huge for travel!), strong multipliers

Cons: $150 fee, Scene+ points less flexible

Annual Fee$150/year
Earn Rate3x on groceries, 2x
4
RBC Avion Visa Infinite
1.25x on all purchases

Bonus/Welcome: 35,000 Avion points

Pros: Flexible redemption, no FX blackout dates

Cons: Lower multiplier rate, $120 fee

Annual Fee$120/year
Earn Rate1.25x on all purchas
5
CIBC Aventura Visa Infinite
2x travel, 1.5x groceries/gas/drugstores, 1x everywhere

Bonus/Welcome: Up to 35,000 Aventura points

Pros: NEXUS rebate, 4 free lounge visits, travel insurance

Cons: $139 fee, Aventura program less flexible

Annual Fee$139/year
Earn Rate2x travel, 1.5x groc
6
TD First Class Visa Infinite
8x on Expedia for TD, 4x groceries/gas/dining, 2x elsewhere

Bonus/Welcome: 100,000 TD Rewards points

Pros: Huge bonus offer, 8x on Expedia

Cons: Best value only through Expedia for TD bookings

Annual Fee$139/year
Earn Rate8x on Expedia for TD

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Frequently Asked Questions

What is the best travel credit card in Canada with no annual fee?
The Scotiabank Passport Visa (if you can find a no-fee version) or Tangerine Money-Back are top no-fee picks, though they're not specifically travel cards. For dedicated travel with fees, the Amex Cobalt provides the best value for most Canadians.
What is the Scotiabank Passport Visa Infinite no FX fee benefit?
The Scotiabank Passport Visa Infinite charges no foreign transaction fees on international purchases — saving you 2.5% on all foreign currency transactions. On a $5,000 international trip, this saves $125 compared to cards with FX fees.
Are Aeroplan points worth it in Canada?
Yes — Aeroplan is Air Canada's loyalty program and is considered one of the most valuable Canadian travel reward programs. Points can be redeemed for flights, hotels, and merchandise. Star Alliance partner redemptions provide particularly strong value. TD Aeroplan Visa Infinite is the top Aeroplan card.
How do I compare travel cards in Canada?
Compare: (1) annual fee vs. points earn rate for your spending pattern; (2) sign-up bonus value; (3) redemption flexibility; (4) travel insurance coverage; (5) foreign transaction fees. Most premium travel cards have FX fees — Scotiabank Passport Visa Infinite is the exception.