Credit cards can give you plenty of value in Canada when you focus on earning valuable points that let you travel for nearly free.
The best cards come with generous welcome bonuses, strong earning power and useful travel benefits that save you money on trips.
You’ll earn plenty of valuable points when you maximize your credit card spending with the flexibility to redeem them the way you want.
These cards fit different lifestyles and make it simple to earn plenty of valuable points.
Here’s our hand-picked list of the best overall credit cards in Canada for November 2025.
Best cards by program
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Fuel your adventures with points
Sign up to get your free guide. Get our newsletter with credit cards and points tips. See how easy it is to travel for nearly free.
The AWP Newsletter
Fuel your adventures with points
Sign up to get your free guide. Get our newsletter with credit cards and points tips. See how easy it is to travel for nearly free.
Best reward cards
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Best Mid-Tier Aeroplan® Card
TD® Aeroplan® Visa* Infinite Card
Terms & Conditions apply
- The TD® Aeroplan® Visa* Infinite Card is the best mid-tier Aeroplan® Visa* for collectors who want broader acceptance.
- You’ll get a strong welcome bonus and earn Aeroplan® points on every purchase, with the best earning rates when paying for Air Canada earn Aeroplan® flights.
- Plus, a free checked bag for you plus 8 and solid travel insurance.
Welcome Points: 45,000
Welcome Value: $1,819
Annual Fee:$139. 1st Year Rebate
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Best Primeum Aeroplan® Card
TD® Aeroplan® Visa* Infinite Privilege Card
Terms & Conditions apply
- The TD® Aeroplan® Visa* Infinite Privilege Card is the best premium Aeroplan® Visa* for collectors who value VIP Air Canada benefits.
- You’ll get a strong welcome bonus and earn Aeroplan® points on every purchase, with the best earning rates when paying for Air Canada earn Aeroplan® flights.
- Plus, a free checked bag for you plus 8, and priority check-in, boarding, and baggage handling with Air Canada.
- You’ll also get unlimited Air Canada Lounge Access in North America for you plus guests, six Visa Airport Companion Lounge passes worldwide and excellent travel insurance.
Welcome Points: 85,000
Welcome Value: $3,580
Annual Fee: $599
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Best Primeum Aeroplan® Card
CIBC Aeroplan® Visa Infinite Privilege Card
Terms & Conditions apply
- The CIBC Aeroplan® Visa* Infinite Privilege Card is the best premium Aeroplan® Visa* for collectors who bank with CIBC and value VIP Air Canada benefits.
- You’ll get a strong welcome bonus and earn Aeroplan® points on every purchase, with the best earning rates when paying for Air Canada earn Aeroplan® flights.
- Plus, a free checked bag for you plus 8, and priority check-in, boarding, and baggage handling with Air Canada.
- You’ll also get unlimited Air Canada Lounge Access in North America for you plus guests, six Visa Airport Companion Lounge passes worldwide and excellent travel insurance.
Welcome Points: 85,000
Welcome Value: $3,580
Annual Fee: $599
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Best Mid-Tier Aeroplan®
CIBC Aeroplan® Visa* Infinite Card
Terms & Conditions apply
- The CIBC Aeroplan® Visa* Infinite Card is the best mid-tier Aeroplan® Visa* for collectors who bank with CIBC and want broader acceptance.
- You’ll get a strong welcome bonus and earn Aeroplan® points on every purchase, with the best earning rates when paying for Air Canada earn Aeroplan® flights.
- Plus, a free checked bag for you plus 8 and solid travel insurance.
Welcome Points: 50,000
Welcome Value: $1,919
Annual Fee:$139. 1st Year Rebate
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Best Luxury Travel Card
American Express® Platinum Card
Terms & Conditions apply
- The American Express® Platinum Rewards Card is the best card for Membership Rewards® collectors who value luxury travel experiences.
- You’ll get unlimited airport lounge access, statement credits, complimentary hotels and car rentals Elite status, and premium travel insurance.
- Points transfer to Marriott Bonvoy®, Hilton Honors, Aeroplan®, Flying Blueand other airlines. Sometimes there’s a transfer bonus.
Welcome Points: 100,000
Welcome Value: $4,540
Annual Fee: $799
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Best Luxury Business Travel Card
American Express® Business Platinum Card
Terms & Conditions apply
- The American Express® Business Platinum Card is the best luxury travel card for small business owners who value flexible Membership Rewards® points.
- You’ll get unlimited airport lounge access, statement credits, complimentary hotels and car rentals Elite status, and premium travel insurance.
- Points transfer to Marriott Bonvoy®, Hilton Honors, Aeroplan®, Flying Blueand other airlines. Sometimes there’s a transfer bonus.
Welcome Points: 120,000
Welcome Value: $5,100
Annual Fee: $799
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Best Everyday Card
American Express® Cobalt Card
Terms & Conditions apply
- The American Express® Cobalt Card is the best in Canada for collectors who want to earn flexible Membership Rewards® points from everyday spending.
- You’ll earn an unmatched 5x points per dollar on eats and drinks, plus useful travel and purchase insurance.
- Points transfer to Marriott Bonvoy®, Hilton Honors, Aeroplan®, Flying Blueand other airlines. Sometimes there’s a transfer bonus.
Welcome Points: 15,000
Welcome Value: $590
Annually Fee: $191.88 ($15.99 Monthly)
Beginner’s Guide
From points newbie to booking your first trip.
Learn how easy it's for Canadians to earn and redeem points with the best reward credit cards and programs. Make your first redemption for almost free travel in no time.
Beginner’s Guide
From points newbie to booking your first trip.
Learn how easy it's for Canadians to earn and redeem points with the best reward credit cards and programs. Make your first redemption for almost free travel in no time.
