These are the best credit cards for earning points from your everyday purchases in Canada.
You’ll earn valuable rewards without being a big spender by simply putting your existing expenses on the best credit cards in Canada.
Between a nice welcome bonus and maximizing your daily spending, those points add up quickly. Groceries, dining, gas, transit, and the purchases you already make are all opportunities to earn.
Too many people collect points for years without realizing they aren’t getting the best value from their spending.
Here’re the best credit cards that let you earn the most points where Canadians spend the most for February 2026.
Best cards by program
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You’ll find options that help you save money and enjoy nearly free travel. These cards fit different lifestyles and make it simple to earn plenty of valuable points from everyday spending.
If you’re just starting out or already deep into points, pairing the American Express® Cobalt® Card with an Aeroplan® Visa Infinite card gives you the best earnings opportunties across almost every purchase.
Best reward cards
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⚠ Disclaimer: The information in this content may become outdated over time.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 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⚠ Disclaimer: The information in this content may become outdated over time.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.
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.
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.
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.
