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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 Business Platinum Card
75,000 MR points
  • $499 annual fee
  • Unlimited Priority Pass lounge access
  • Airline & hotel partners
American Express Aeroplan Reserve Card
75,000 Aeroplan points
  • $599 Annual fee
  • Unlimited Maple Leaf Lounge access in North America
  • $100 statement credit
TD Aeroplan Visa Infinite Privilege
50,000 Aeroplan points + Buddy Pass
  • $599 annual fee
  • Maple Leaf Lounge access within North America
  • Six complimentary Priority Pass visits
American Express Gold Rewards Card
30,000 MR points
  • $150 annual fee
  • 2x points on gas, groceries, drugstores, and travel
  • Airline & hotel partners
American Express Aeroplan Business Reserve Card
65,000 Aeroplan points
  • $599 annual fee
  • Unlimited Maple Leaf Lounge access in North America
  • $100 statement credits
TD Aeroplan Visa Infinite
10,000 Aeroplan points + Buddy Pass
  • First Year Free
  • 1.5x miles on gas and groceries
  • $100 NEXUS credit
MBNA Alaska Airlines MasterCard
Up to 30,000 Alaska miles
  • $100 statement credit
  • Free checked bags on Alaska flights
  • Annual US$99 companion fare
BMO eclipse Visa Infinite Privilege
50,000 BMO Rewards points
  • $499 annual fee
  • 5x points on travel, dining, groceries, gas, and drugstores
  • $200 annual lifestyle credit
BMO eclipse Visa Infinite
40,000 BMO Rewards points
  • First Year Free
  • 5x points on dining, groceries, gas, and transit
  • $50 annual lifestyle credit
American Express Aeroplan Card
15,000 Aeroplan points
  • $120 annual fee
  • Air Canada Buddy Pass
  • Free first checked bag on Air Canada flights
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