If you love traveling but want to make it more affordable, choosing the right credit card can make all the difference. Many Canadian credit cards offer travel rebates, rewards, and perks to help you save money while enjoying your adventures. Whether you want discounts on flights, hotels, or even cash-back rebates, there’s a card tailored to your needs.
Here’s a look at the top 10 credit cards with the best travel rebates in Canada to help you pick the one that suits your lifestyle.
1. Scotiabank Passport™ Visa Infinite
This card is a traveler’s dream because it doesn’t charge foreign transaction fees, meaning you save 2.5% on every purchase made abroad. It also offers:
- Rebates and Rewards: Earn 2 Scotia Rewards points per dollar on travel purchases.
- Travel Perks: Complimentary Priority Pass membership for airport lounges.
- Welcome Bonus: Earn up to 40,000 points (worth $400 in travel).
2. American Express Cobalt® Card
The American Express Cobalt is one of the best cards for frequent flyers and foodies.
- Rebates and Rewards: Earn 5 points per dollar on dining and groceries and 2 points on travel purchases.
- Travel Perks: Use Membership Rewards points for flights, hotels, or Airbnb.
- Welcome Bonus: Earn up to 30,000 points in the first year.
3. TD® Aeroplan® Visa Infinite
For Aeroplan members, this card offers incredible value.
- Rebates and Rewards: Earn 1.5 Aeroplan points per dollar on travel purchases.
- Travel Perks: Benefits like free first-checked baggage and priority boarding.
- Welcome Bonus: Earn up to 70,000 Aeroplan points (worth significant travel savings).
4. BMO World Elite™ Mastercard®
This card is known for its rich travel rewards and flexible redemption options.
- Rebates and Rewards: Earn 3 BMO Rewards points per dollar on travel-related purchases.
- Travel Perks: Access to Mastercard Travel Pass lounges by DragonPass.
- Welcome Bonus: Get up to 60,000 points and the first-year annual fee waived.
5. RBC Avion® Visa Infinite
The RBC Avion Visa Infinite is excellent for travelers who want flexibility in redeeming points.
- Rebates and Rewards: Earn 1 Avion point per dollar spent.
- Travel Perks: Travel insurance and the ability to book flights with fewer restrictions.
- Welcome Bonus: Get up to 55,000 Avion points.
6. CIBC Aventura® Visa Infinite
This card makes it easy to redeem points for flights with multiple airlines.
- Rebates and Rewards: Earn 1.5 points per dollar spent on travel purchases.
- Travel Perks: Access to over 1,300 airport lounges worldwide.
- Welcome Bonus: Up to 40,000 Aventura points.
7. National Bank World Elite Mastercard
This card stands out for its generous travel insurance benefits.
- Rebates and Rewards: Earn 1.5 points per dollar on all purchases.
- Travel Perks: Travel insurance covering up to $5 million in medical expenses.
- Welcome Bonus: Get up to 60,000 points.
8. WestJet RBC World Elite Mastercard
WestJet fans will love the rewards and travel discounts offered by this card.
- Rebates and Rewards: Earn 1.5% back in WestJet dollars on everyday purchases.
- Travel Perks: Free checked bags and annual companion flight vouchers.
- Welcome Bonus: Receive up to $450 in WestJet dollars.
9. MBNA Rewards Platinum Plus® Mastercard
For those looking for no annual fee with travel rewards, this card delivers solid benefits.
- Rebates and Rewards: Earn 2 points per dollar on eligible travel, groceries, and restaurants.
- Travel Perks: Flexible redemption for flights, hotels, or vacation packages.
- Welcome Bonus: Earn up to 10,000 points.
10. HSBC World Elite® Mastercard
This card is ideal for international travelers who want to avoid foreign transaction fees.
- Rebates and Rewards: Earn 3 points per dollar on travel purchases.
- Travel Perks: $100 annual travel enhancement credit.
- Welcome Bonus: Earn up to 80,000 points.
How to Choose the Best Travel Credit Card for You
When choosing a travel credit card, consider your spending habits and travel needs. Here are some tips:
- Focus on Travel Rebates: Look for cards that maximize rebates on flights, hotels, or car rentals.
- Check the Welcome Bonuses: Many cards offer substantial points or credits to new users.
- Think About Fees: Some cards charge annual fees, but the perks often outweigh the cost.
- Consider Travel Insurance: Cards with comprehensive travel insurance can save you money and offer peace of mind.
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Final Thoughts
Whether you’re an avid traveler or planning your next getaway, the right credit card can make your trips more affordable and enjoyable. From cash-back rebates to comprehensive travel insurance, these cards offer a range of benefits to suit various lifestyles.
Choose a card that aligns with your spending habits, travel goals, and desired perks to get the most value from your travels.
