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Looking to collect travel points faster with your everyday purchases? Two cards stand out for Canadians right now, especially if you’re just getting started or ready to level up your points game.
🥇 American Express Cobalt® Card
Your Everyday Powerhouse
If you’re looking for one go-to card to earn travel rewards quickly from your daily spending, the American Express Cobalt® Card is hands-down one of the best. It offers top points on groceries, dining, and transit, with an opportunity to rack up many points from everyday spending fast. American Express Membership Rewards® are flexible too, with transfer options to major airline and hotel programs, making this card a favourite for everyday.
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The American Express Cobalt® Card is the best credit card in Canada for everyday spending. It offers the highest earn rate in the country at 5 points per dollar on groceries, dining, and food delivery, plus 2 points per dollar on gas, transit, and ride share. The points you earn are flexible and can be transferred to major travel loyalty programs, making it easy to turn daily purchases into flights and hotel stays.
Why It’s Great
- Earn American Express Membership Rewards®. The most flexible points with quick and easy transfers to top reward programs like Air Canada Aeroplan®, Air France KLM Flying Blue, Marriott Bonvoy®, Hilton Honours and more.
- Up to $60 in statement credits with Instacart.
Earning Points Rate
- 5x points per $1 on
groceries, 
restaurants, and 
food delivery purchases in Canada, up to $2,500 per month. - 2x points per $1 on
gas, 
transit and 
ride share purchases in Canada. - 3x points per $1 on 🎧 streaming subscriptions in Canada.
- 1X point per $1 on everything else.
Signup Bonus
- Get 15,000 points sign-up bonus in your first year, by getting 1,250 points each monthly billing you spend $750
Fee
$156 Annual Fee ($12.99 Monthly)
First Year Value
- $1,584 First-Year Value: $1440 Annual Rewards Value + $300 First Year Signup Bonus Value – $155.88 Annual Fee
Don’t Miss Out
- Now is the best time to apply for the American Express Cobalt Card®. It comes with valuable perks, and you can take advantage of the signup welcome bonus offer while it is still strong.
✈️ TD® Aeroplan® Visa Infinite
Your Must-Have Travel Companion
If you’re serious about travel rewards, the TD® Aeroplan® Visa Infinite is the Visa card to have alongside your American Express®. Not every retailer accepts Amex, and Aeroplan points are among the most valuable and flexible programs in Canada. This card also comes with extensive travel insurance and perks, making it a strong everyday backup and a great option for travel spending when American Express® is not accepted
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The TD® Aeroplan® Visa Infinite Card is the perfect everyday companion travel card to the American Express Cobalt® Card for everyday spending in Canada and the best overall Aeroplan® card if you’re serious about flight rewards. With wider acceptance, you’ll keep earning strong rewards, plus enjoy Air Canada perks like free checked bags and priority boarding.
Why It’s Great
- Widely accepted, best overall Air Canada Aeroplan® Card.
- Excellent Air Canada perks, such as free checked bags and priority boarding for you +8.
- Comprehensive Air Canada travel insurance.
- $100 NEXUS Fee rebate every 48 months.
- A reasonable annual fee and first year annual fee rebate.
Earning Points Rate
- 1.5x Aeroplan points per $1 on gas, groceries,
electric vehicle charging, and 
Air Canada purchases. - 1X Aeroplan point per $1 on everything else.
Signup Bonus
- Get 25,000 Aeroplan points sign-up bonus in your first year.
- Get 10,000 Aeroplan points after your first Purchase.
- Get 15,000 Aeroplan points after spending $7,500 within 180 days of Account opening.
- Get 15,000 Aeroplan points as an anniversary bonus after spending $12,000 within 12 months of opening.
- First year annual fee rebate.
Heads-Up: You can only get one lifetime welcome bonus from the same Aeroplan® tier credit card (Platinum, Infinite, Privilege) across all institutions.
Fee
$139 Annual Fee
First Year Value
- $995 First-Year Value: $495 Annual Rewards Value + $500 First Year Signup Bonus Value – $0 Annual Fee Rebate
Don’t Miss Out
- Sign-up bonuses don’t last forever, while this isn’t the highest we’ve seen, this is a fair one.
- For a limited time, you get an Annual Fee Rebate worth $139.
- If it fits your spending plans, it’s a solid time to apply.