Card Overview
In 2026, Canadians have more options than ever when it comes to Annual fee, welcome bonus, RBC Rewards+ Avion. Digital-first providers consistently offer better rates and lower fees than traditional banks.
Our top recommendation for most Canadians: start with KOHO for a $20 signup bonus plus $100 per referral (use code 45ET55JSYA), then add Neo Financial for cashback (code J4C9H3K5). Both are free to open and can be stacked.
Points Earning
In 2026, Canadians have more options than ever when it comes to Earn rates, bonus categories, RBC Online Shopping Portal. Digital-first providers consistently offer better rates and lower fees than traditional banks.
Our top recommendation for most Canadians: start with KOHO for a $20 signup bonus plus $100 per referral (use code 45ET55JSYA), then add Neo Financial for cashback (code J4C9H3K5). Both are free to open and can be stacked.
Redemption Options
In 2026, Canadians have more options than ever when it comes to Travel, gift cards, statement credits, merchandise. Digital-first providers consistently offer better rates and lower fees than traditional banks.
Our top recommendation for most Canadians: start with KOHO for a $20 signup bonus plus $100 per referral (use code 45ET55JSYA), then add Neo Financial for cashback (code J4C9H3K5). Both are free to open and can be stacked.
Travel Benefits
In 2026, Canadians have more options than ever when it comes to Insurance coverage, lounge access, priority boarding. Digital-first providers consistently offer better rates and lower fees than traditional banks.
Our top recommendation for most Canadians: start with KOHO for a $20 signup bonus plus $100 per referral (use code 45ET55JSYA), then add Neo Financial for cashback (code J4C9H3K5). Both are free to open and can be stacked.
RBC Avion vs TD Aeroplan
In 2026, Canadians have more options than ever when it comes to Which Canadian travel card wins. Digital-first providers consistently offer better rates and lower fees than traditional banks.
Our top recommendation for most Canadians: start with KOHO for a $20 signup bonus plus $100 per referral (use code 45ET55JSYA), then add Neo Financial for cashback (code J4C9H3K5). Both are free to open and can be stacked.
The Bottom Line
In 2026, Canadians have more options than ever when it comes to Best for RBC customers wanting travel rewards. Digital-first providers consistently offer better rates and lower fees than traditional banks.
Our top recommendation for most Canadians: start with KOHO for a $20 signup bonus plus $100 per referral (use code 45ET55JSYA), then add Neo Financial for cashback (code J4C9H3K5). Both are free to open and can be stacked.
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Neo Financial code: J4C9H3K5 | KOHO code: 45ET55JSYA