The best everyday credit cards in Canada offer the most ways to earn valuable rewards on the money you’re already spending.
You’ll earn valuable rewards without being a big spender by simply putting your existing expenses on the best credit cards in Canada.
Between the 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 everyday credit cards in Canada that let you earn the most points where Canadians spend the most for November 2026.
Best reward cards
Our Best Everyday Credit Cards
Best Everyday Avion Card
RBC ION+ Visa Card
Terms & Conditions apply
The RBC ION+ Visa card is a low-fee Avion rewards card with wide acceptance.
You’ll earn 3x Avion points per dollar on top everyday purchases like groceries, dining, food delivery, gas, EV charging, rideshare, and transit.
The RBC ION+ Visa best value is in combination with an RBC Avion Visa Infinite or RBC Avion Visa Privilege. This gives you access to redeem your points through the Avion Air Travel Tool. Plus, transferring them to airline partners like British Airways Avios and Cathay Pacific for much higher redemption value.
For a limited time, you’ll get an all-time high 28,000 welcome points with the RBC ION+ Visa.
Welcome Points: Elevated 28,000
Welcome Value: $560
Annual Fee: $48 ($4 /month)
⚠ Disclaimer: The information in this content may become outdated over time.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
Terms & Conditions apply
The TD Aeroplan Visa Infinite is the best Aeroplan credit card in Canada for Aeroplan collectors who want broader acceptance.
You’ll get a strong welcome bonus. You’ll earn 1.5 Aeroplan points for every $1 spent on eligible gas, grocery, and Air Canada purchases. Plus 1 Aeroplan point per $1 on all other purchases.
You’ll enjoy a free first checked bag for you and up to eight people travelling with you on the same reservation with Air Canada. Plus solid travel insurance.
The TD Aeroplan Visa Infinite has an all-time high 50,000 Aeroplan points welcome offer. Plus, a 1st-year rebate!
Welcome Points: Elevated 50,000
Welcome Value: $1,819
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 groceries and dining, plus useful travel and purchase insurance.
Points transfer to Marriott Bonvoy, Hilton Honors, Aeroplan, Flying Blue, and all-newAccor Hotels and other airlines. Sometimes there’s a transfer bonus.
Welcome Points: 15,000
Welcome Value: $590
Annual 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 Premium Aeroplan Card
TD Aeroplan Visa Infinite Privilege
Terms & Conditions apply
The TD Aeroplan Visa Infinite Privilege is the best premium Aeroplan Credit card in Canada for travellers who want VIP Air Canada benefits, top-tier Aeroplan earning, and broader acceptance.
You’ll get a strong welcome bonus. Plus, you’ll earn 1.25 Aeroplan points on every purchase and 2 Aeroplan points per $1 on Air Canada flights.
You’ll enjoy a free first checked bag for you and up to eight people travelling with you, priority check-in, boarding, and baggage handling on Air Canada.
This card also comes with unlimited Air Canada Lounge and Air Canada Café Access in North America for you plus a guest. You’ll also get six Visa Airport Companion Lounge passes worldwide and excellent travel insurance.
You’ll also get Hyatt Status Benefits at World of Hyatt worldwide.
For a limited time, you’ll get an all-time high 100,000 welcome Aeroplan points with the TD Aeroplan Visa Infinite Privilege.
Welcome Points: Elevated 100,000
Welcome Value: $3,880
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.
Best Avion Card
RBC Avion Visa Infinite
Terms & Conditions apply
The RBC Avion Visa Infinite Card is the best card for travellers who want a card with wider acceptance and good value for flights.
You’ll get a strong welcome bonus. You’ll also earn 1 Avion point for every $1 spent and 1.25 points per $1 on travel.
The real value is the Air Travel Redemption Schedule for short-haul domestic flights at a fixed price.
You’ll also get to take advantage of transfer travel partners. Avion points transfer 1:1 to British Airways and Cathay Pacific Asia Miles for the best value flights you can book directly with the airlines and their network of partners.
For a limited time, you’ll get an all-time high 70,000 welcome bonus Avion points with the RBC Avion Visa Infinite.
Welcome Points: Elevated 70,000
Welcome Value: $1,400
Annual Fee:$120
⚠ 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 cards by program
What to Look for in the Best Everyday Credit Cards
Choosing the best everyday credit cards in Canada comes down to matching a card with your current life and travel style. You should also consider the type of points you'll earn, since not all points have the same value.
Earning Where You Spend Most
You’ll earn the most rewards by focusing on the categories that make up your daily spend.
Whether you spend the most on groceries, dining, or transit, you want a card that offers high multipliers in those specific areas. The best everyday cards turn your existing expenses into points without you having to change your habits.
Point Value & Flexibility
You should choose cards that give you the most access to free flights and hotels.
Points like Membership Rewards, Aeroplan and RBC Avion are generally more valuable. They give you more flexibility and better redemption rates with airlines and hotels for your daily spending compared to standard cash back.
Annual Fee vs. Earn Rate
The best everyday cards often come with a moderate fee that you can easily outweigh through the points you earn on daily purchases.
You’re better off with a card that has a moderate fee if the earn rate on your top spending categories is high enough to cover that cost and then some.
Summary of the Best Everyday Credit Cards
Choosing the best everyday cards in Canada comes down to both the number of points you earn and their value
Look for cards that offer the highest earn rate where you spend the most. You want to focus on cards that offer the best travel value for the top travel loyalty programs in Canada.
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 the Aeroplan Visa Infinite Cardis the best combination for earnings opportunties across almost every purchase.
Another great combination for RBC Avion collectors is the RBC ION+ and RBC Avion Infinite visa card from Royal Bank.
Business Award Concierge
Have a business? Book a complimentary call to see how our done-for-you Business Award Concierge can turn your business expenses into $50K luxury travel.
Limited spots available.
Business Award Concierge
Have a business? Book a complimentary call to see how our done-for-you Business Award Concierge can turn your business expenses into $50K luxury travel.
Limited spots available.
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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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