These are the best ovreall credit cards for earning points in Canada.
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.
hese cards fit different lifestyles and make it simple to earn plenty of valuable points.
Here’re oHere’re our hand-picked picks for the best overall credit cards for earning points in Canada for February 2026.
Best cards by program
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Best reward cards
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 Blue and other airlines. Sometimes there’s a transfer bonus.
- Elevated best offer is available via a referral link.
Welcome Points: 110,000
Welcome Value: $4,960
Annual Fee: $799
⚠ Disclaimer: The information in this content may become outdated over time. For the most accurate and up-to-date details, please visit the Apply Now link provided.
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
⚠ Disclaimer: The information in this content may become outdated over time. For the most accurate and up-to-date details, please visit the Apply Now link provided.
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 Blue and other airlines. Sometimes there’s a transfer bonus.
Welcome Points: 15,000
Welcome Value: $590
Annually Fee: $191.88 ($15.99 Monthly)
⚠ Disclaimer: The information in this content may become outdated over time. For the most accurate and up-to-date details, please visit the Apply Now link provided.
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: 40,000
Welcome Value: $1,719
Annual Fee:$139. 1st Year Rebate
⚠ Disclaimer: The information in this content may become outdated over time. For the most accurate and up-to-date details, please visit the Apply Now link provided.
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
⚠ Disclaimer: The information in this content may become outdated over time. For the most accurate and up-to-date details, please visit the Apply Now link provided.
New to Points? Start Here
From points newbie to booking your first trip
Learn everything you need to know to start using credit cards, points, and travel loyalty programs. Make your first redemption with points for nearly free travel.
New to Points? Start Here
From points newbie to booking your first trip
Learn everything you need to know to start using credit cards, points, and travel loyalty programs. Make your first redemption with points for nearly free travel.
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Get more tips & ideas for travelling with points.
Join the AWP community to get guidance, updates, and practical tips on using points for travel.
The AWP Community
Get more tips & ideas for travelling with points.
Join the AWP community to get guidance, updates, and practical tips on using points for travel.
