Understanding the points value in Canada is the best way to save money on travel. The right points can take you further, faster, and make flying or staying at great hotels feel nearly free.
One of the most common questions we get is, “How much is points and miles are worth?”
The answer depends on how you earn and redeem the points. Airlines, hotels, and credit cards don’t publish official valuations, so it’s up to you to decide based on how you use them.
At Adventures With Points (AWP), we track the points value in Canada of major programs using real-world redemptions. Our goal is to help you understand what your points are worth and where you’ll get the most value.
Here’s how we at Adventures With Points (AWP) value points in Canada and where you’ll find the best return for your travel goals.
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Credit Card Points Value in Canada
Credit card points value in Canada isn’t all created equal. I’ve seen too many people save up points for years, ready to book their dream family trip, only to discover their “travel” points barely cover one flight.
Some points work like cash back, where the bank sets a fixed value for statement credits.
For example, TD Rewards, BMO Rewards and CIBC Aventura are usually worth 0.5 to 0.67 cents per point. These are safe but rarely take you far.
Other points, like RBC Avion and American Express Membership Rewards, offer both fixed and dynamic value.
Fixed Credit Card Redemptions
You can redeem RBC Avion through a fixed redemption schedule for flights. When you redeem for short-haul flights, you can get up to 2.3 cents per point.
You can also redeem Membership Rewards points for a statement credit at 1 cent per point, meaning 20,000 points equal $200 in travel. That’s decent, but it’s not even close to the best value you can get.
Maximize Points Value in Canada with Travel Partners
You’ll get the most points value in Canada when you transfer points to airline and hotel partners and book with them directly.
You can transfer RBC Avion points to airline partners like British Airways and Cathay Pacific to book directly with them.
You can also transfer Membership Rewards to airline and hotel partners such as Aeroplan, Flying Blue, Marriott Bonvoy, and Hilton Honors.
When you redeem directly with an airline or hotel partners, you’ll typically get at least 2 cents or more per point. When redeeming for premium flights or hotels with high cash prices, you can even get 4 to 10 cents or more per point.
Credit Card Points Value in Canada
Program
Point Value
10 K Points Value
Best Amex Membership Rewards Card Offers
Welcome Points: Elevated 170,000
Welcome Value: $6,424
Annual Fee: $799
Welcome Points: Elevated 70,000
Welcome Value: Elevated $1,960
Annual Fee: $199
Welcome Points: 15,000
Welcome Value: $590
Annual Fee: $191.88 ($15.99 Monthly)
AWP TIP
We focus on earning American Express Membership Rewards points and transferring them to airline and hotel partners to get the most value from every point.
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.
Airline Points Value in Canada
Airline points value is often the highest when you redeem for international and business class flights.
Aeroplan remains the top airline program in Canada, worth about 2 cents per point.
You’ll earn plenty of points through flights, partners, co-branded credit cards, and transfers from American Express Membership Rewards at a -to-1 ratio.
You can redeem Aeroplan points for flights with Air Canada and its 48 partner airlines, including all Star Alliance members. Taking you from almost any airport in Canada to almost any part of the world you want to visit.
Air France–KLM Flying Blue is also a great option for Canadians since it’s an American Express Membership Rewards transfer partner.
Points transfer at a 1-to-1 ratio, but with transfer bonuses and monthly Promo Rewards, Flying Blue can offer great value for transatlantic flights and sun destinations.
British Airways Avios is another notable airline loyalty program to consider, since points transfer from both American Express and RBC Avion. British Airways Avios has a large international network, but Canadian airports are limited to Vancouver, Toronto and Montreal.
Airlines Points Valuation
Program
Point Value
10 K Points Value
Best Airline Cards
Welcome Points: 40,000
Welcome Value: $1,719
Annual Fee:$139. 1st Year Rebate
Welcome Points: Elevated 150,000
Welcome Value: $4,580
Annual Fee: $599
AWP TIP
Pairing a strong Aeroplan credit card like the TD Aeroplan Visa Infinite or Visa Infinite Privilege with an everyday earner like the American Express Cobalt Card gives you the most value.
You’ll earn points fast on all your spending, enjoy valuable Air Canada benefits, and get closer to booking flights for nearly free.
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Hotels Points Value in Canada
Hotel points can be a great way to redeem rewards, especially for high-end properties or peak travel times when cash rates are high.
Marriott Bonvoy is one of the best hotel programs for Canadians, worth about 1 cent per point. You’ll earn plenty of points through stays and co-branded cards like the Marriott Bonvoy American Express Card and Marriott Bonvoy Business American Express Card.
Plus transfers from American Express Membership Rewards are at a 1-to-1 ratio.
With a massive global footprint, it’s easy to redeem points for nearly free nights. You’ll also get extra value with the 5th Night Free on points bookings, a Free Night Award from the Amex Bonvoy cards, and Gold Elite Status with the American Express Platinum Card.
Hilton Honors is another strong option for Canadians since it’s an American Express Membership Rewards transfer partner. Points transfer at a 1-to-1 ratio, and you’ll find good value at Hilton hotels and resorts worldwide.
You’ll get even more value from the 5th Night Free on points stays and Gold Elite Status from the American Express Platinum Card.
World of Hyatt is another excellent hotel loyalty program that’s accessible for Canadian after they announced their partnership with Aeroplan. Practically letting you earn Hyatt points with all Canadian cards that earn or transfer to Aeroplan.
Hotels Points Valuation
Program
Point Value
10 K Points Value
Marriott Bonvoy American Express Cards
Welcome Points: Elevated 70,000
Welcome Value: $700
Annual Fee: $120
Welcome Points: Elevated 80,000
Welcome Value: $800
Annual Fee: $150
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.
We love combining our Free Night Certificates from our Marriott Bonvoy American Express Card and Marriott Bonvoy Business American Express Card with the 5th Night Free benefit on family vacations.
It’s one of our favourite ways to stretch points even further, getting multiple nights free while enjoying quality family time at amazing resorts.
Why Amex Membership Rewards are Most Valuable
Membership Rewards are the most valuable points in Canada because you can earn them easily and redeem them in many ways.
You’ll earn plenty of points with cards like the American Express Cobalt, Gold, and Platinum.
You’ll get the best value when you transfer Membership Rewards to airline and hotel partners. Transfers often give you 2.2 cents or more per point, saving you money and letting you travel for nearly free.
Bottom Line
Not all points in Canada are created equal. The value of your points and miles can vary, so use our points valuations to make sure you’re earning the most valuable ones and getting the most value for your hard-earned points.
American Express Membership Rewards are the most valuable in Canada because they’re easy to earn across multiple cards, including the Cobalt, Gold, and Platinum.
You’ll get the most value when you transfer or redeem them with airline and hotel partners.
We also recommend focusing on programs with Canadian co-branded cards like Aeroplan and Marriott Bonvoy, which offer plenty of ways to earn and redeem points for nearly free travel.
The RBC Avion program is another decent program with wider acceptance to consider for Canadians. It offers a mix of fixed value redemptions for short-haul flights and international airline partners.
Check out our top offers for earning points in July 2026, along with the latest credit card transfer bonuses and points purchase promotions.
