✈️ Travel Cards · March 2026

Best Travel Credit Cards Canada 2026

Q: Which Canadian credit card has no foreign transaction fees?

Scotiabank Passport Visa Infinite and several Scotiabank Visa cards have no foreign transaction fees. The Scotiabank Passport Visa Infinite also gives lounge access. KOHO Premium also has no FX fees at $9/month.

The right travel credit card can save you hundreds in foreign transaction fees and earn enough points for free flights. Here are Canada's best travel cards — and the free option that beats them all for casual travellers.

💡 No credit history? Start with KOHO (no credit check, $100 bonus) while building your score for premium travel cards. KOHO Premium ($9/month) also has no foreign transaction fees — great for first-time international travellers.

Best Travel Credit Cards in Canada

Scotiabank Passport Visa Infinite — Best all-around travel card

No FX fees · 6 lounge passes · $150/yr · Up to $700 bonus

Canada's most complete travel card. No foreign transaction fees (saves 2.5% on every international purchase), 6 free DragonPass lounge passes/year, comprehensive travel insurance. Earns 3x Scotia points on grocery/dining, 2x on transit. $150/year fee. Up to $700 welcome bonus with direct deposit to a new Scotiabank account — paid for many years of annual fees.

No FX fees 6 lounge passes Travel insurance 3x grocery

🎁 Up to $700 welcome bonus + no FX fees

Amex Cobalt — Best points earning (dining + food delivery)

5x on food/drinks · Flexible Membership Rewards · $12.99/mo

The highest earn rate on dining and food delivery in Canada: 5x Membership Rewards points at restaurants, bars, cafes, Uber Eats, DoorDash, and grocery stores. 2x on travel. Flexible points transfer to Aeroplan and hotel programs. $12.99/month ($155.88/year). Best for Canadians who spend heavily on food and want flexible points. Strong welcome bonus: 2,500 points/month first year = up to 30,000 points.

5x food & drinks Flexible MR points 2x travel Aeroplan transfer

Best dining earn rate in Canada

TD Aeroplan Visa Infinite — Best for Air Canada flyers

Aeroplan miles · Air Canada benefits · $139/yr

If you fly Air Canada regularly, the TD Aeroplan Visa Infinite is the top choice. Earns Aeroplan miles directly — 1.5 miles per $1 on grocery/gas/Air Canada, 1 mile elsewhere. First checked bag free on Air Canada. Priority boarding pass access. 25,000 Aeroplan mile welcome bonus. $139/year fee waivable with $75,000 TD All-Inclusive Banking.

Aeroplan miles Free checked bag Air Canada perks 1.5x grocery/gas

Best for Air Canada / Aeroplan collectors

RBC Avion Visa Infinite — Best flexible rewards program

RBC Rewards · Convert to Avios/Cathay · $120/yr

RBC Avion offers the most flexibility for points redemption in Canada. Points transfer to British Airways Avios, Cathay Pacific Asia Miles, WestJet RBC Dollars, and more. $120/year fee. Welcome bonus of 35,000 Avion points. 1.25x on all purchases. Good for travellers who want to use multiple airline programs. RBC has a strong mortgage + banking relationship for bundling.

Transfer to Avios 1.25x everything Flexible programs 35k welcome bonus

Most flexible points program in Canada

Scotiabank Gold American Express — Best no-FX Amex

No FX fees · 6x dining (Amex) · $120/yr

A rare Amex card with no foreign transaction fees. Earns 6x Scotia points at restaurants and food delivery, 5x grocery and entertainment, 3x gas. $120/year. Comprehensive travel insurance. Use at Amex merchants (good Canadian acceptance). Strong option for frequent international travellers who want Amex benefits without the FX fee.

No FX fees 6x dining (Amex) Full travel insurance 5x grocery

Only no-FX Amex in Canada with strong earn rates

KOHO Premium — Best for no-credit-history travellers

$9/month · No FX fees · No credit check · $100 bonus

KOHO Premium ($9/month) includes no foreign transaction fees — saving you 2.5% on all international purchases. No credit check required. Free credit score. $100 signup bonus (code 45ET55JSYA). Not a credit card (it's a prepaid card), but perfect for travellers who don't qualify for premium credit cards yet or want to control spending abroad.

No FX fees No credit check $100 bonus $9/mo (cancel anytime)

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Travel Credit Card Comparison

Card	Annual Fee	No FX Fee?	Best Earn Rate	Welcome Bonus
Scotia Passport VI	$150	Yes	3x grocery	Up to $700
Amex Cobalt	$155.88/yr	No	5x dining	30k MR pts
TD Aeroplan VI	$139	No	1.5x grocery/gas	25k Aeroplan
RBC Avion VI	$120	No	1.25x all	35k Avion
Scotia Gold Amex	$120	Yes	6x dining (Amex)	Varies
KOHO Premium	$108/yr	Yes	1% cashback	$100 cash

Frequently Asked Questions

What is the best travel credit card in Canada?

The Scotiabank Passport Visa Infinite is Canada's best travel card for most people — no foreign transaction fees, 2x Scotia points on travel/grocery, 6 free airport lounge passes, and up to $700 welcome bonus. The Amex Cobalt is best for points earning (5x on food and drinks). For people without credit history, KOHO Premium gives no-FX fees with no credit check.

Which Canadian credit card has no foreign transaction fees?

Scotiabank Passport Visa Infinite and Scotiabank Gold American Express both have no foreign transaction fees. KOHO Premium ($9/month) also has no FX fees with no credit check required. Most other Canadian travel cards charge 2.5% on foreign currency transactions.

Is Amex Cobalt worth it in Canada?

Yes. The Amex Cobalt earns 5x points on food, drinks, and food delivery — the best earn rate on dining in Canada. At $12.99/month ($155.88/year), it's worth it if you spend $400+/month on dining and grocery. The points transfer to Aeroplan and hotel programs at good ratios.

What is the best travel card for someone with no credit history?

KOHO (free version, code 45ET55JSYA) is the best starting point — $100 bonus, no credit check, 1% cashback. KOHO Premium ($9/month) adds no foreign transaction fees. Use KOHO to build your credit score (free credit monitoring included), then apply for the Scotia Passport Visa Infinite once your score exceeds 700+.

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Disclosure: Bremo earns referral commissions on KOHO signups. Credit card terms subject to change. Information as of March 2026.