Credit Cards

Below are the top credit cards in the Canadian marketplace for the purposes of earning points and maximizing rewards.

HSBC World Elite® MasterCard®
100,000 HSBC Rewards points (Non-QC)
  • First Year Free for non-Quebec residents
  • No foreign transaction fees
  • $100 Travel Enhancement Credit
American Express Gold Rewards Card
30,000 MR points
  • $150 annual fee
  • 2x points on gas, groceries, drugstores, and travel
  • Airline & hotel partners
TD Aeroplan Visa Infinite
25,000 Aeroplan miles
  • First Year Free
  • 1.5x miles on gas, groceries, drugstores, and Air Canada
  • Select perks on Aeroplan rewards on Air Canada
TD Aeroplan Visa Infinite Privilege
50,000 Aeroplan miles
  • $399 annual fee
  • Free first checked bag, priority check-in, and priority boarding on Air Canada
  • Visa Infinite Privilege benefits
American Express Business Edge Card
Up to 52,000 MR Select points
  • $99 annual fee
  • 3x MR Select points on office supplies, electronics, rides & gas, and eats & drink
  • Transfer to hotel partners
MBNA Alaska Airlines MasterCard
Up to 30,000 Alaska miles
  • $49 net annual fee (World Elite)
  • Free checked bags on Alaska flights
  • Annual US$99 companion fare
CIBC Aerogold Visa Infinite
20,000 Aeroplan miles
  • First Year Free
  • 1.5x miles on gas, groceries, drugstores, and Air Canada
  • Select perks on Aeroplan rewards on Air Canada
American Express Business Gold Card
40,000 MR points
  • $250 annual fee
  • 2x points on select suppliers
  • Airline & hotel partners
WestJet RBC World Elite MasterCard
450 WestJet Dollars
  • $119 annual fee
  • Annual WestJet companion voucher
  • Free checked bags & wifi on WestJet
BMO World Elite MasterCard
30,000 BMO Rewards points upon signup
  • First Year Free
  • MasterCard LoungeKey with four complimentary lounge passes
  • Fixed-value points
CIBC Aerogold Visa Card for Business
35,000 Aeroplan miles
  • First Year Free
  • 1.5x miles on gas and travel
  • Select perks on Aeroplan rewards on Air Canada
American Express Cobalt Card
30,000 MR Select points
  • $10 monthly fee
  • 5x points on groceries and dining
  • Transfer to hotel partners

Useful Resources

Newbie's Guide to Miles & Points

Get started with earning and redeeming points!

American Express Credit Card Flowchart

The optimal Amex application strategy

COVID-19 Relief Measures

List of credit card relief measures due to COVID-19

The Lingo

Glossary of key Miles & Points terminology