1.TD Aeroplan Visa Infinite Card
TD Canada Trust
- 1.5Aeroplan points on eligible gas, groceries, and Air Canada purchases
- 1Aeroplan points on all other purchases
Earn 10,000 points for your first purchase, 15,000 points for spending $7,500 in 180 days, and 20,000 points for spending $12,000 in the first year.
Earn 1.5 Aeroplan points on eligible gas, groceries, and Air Canada purchases (up to $80k/yr) and 1x points on everything else.
21.99%
22.99%
The TD Aeroplan Visa Infinite Card stands out as the top choice because it offers substantial rewards for frequent Air Canada flyers, with a generous welcome bonus and valuable travel benefits that enhance the overall travel experience.
Pros:
- High Aeroplan point earning on everyday spending
- Free first checked bag on Air Canada flights
Cons:
- High annual fee
- Requires significant spending to maximize rewards
- 2WestJet points on eligible WestJet flights
- 1.5WestJet points on all other purchases
30,000 points after your first purchase, 30,000 points when you spend $5,000 in the first three months, plus a 10,000-point anniversary bonus.
Earn 2 WestJet points per $1 spent on eligible WestJet flights and 1.5 points per $1 spent on all other purchases.
20.99%
22.99%
What sets this card apart is its exceptional travel rewards structure, particularly for WestJet flights, making it a favorite among frequent travelers who appreciate the added benefits of companion vouchers and free checked bags.
Pros:
- Free checked bags for you and up to eight guests
- Annual round-trip companion voucher
Cons:
- High income requirement
- Limited to WestJet travel benefits
3.Scotiabank Passport Visa Infinite Card
Scotiabank
- 3Scene+ points on eligible travel purchases
- 2Scene+ points on dining/entertainment
- 1Scene+ points on all other purchases
40,000 points for $2,000 spent in 3 months, plus 10,000 points for $40,000 annual spend.
Earn 3 Scene+ points on eligible travel purchases, 2 points on dining/entertainment, and 1 point on everything else.
20.99%
22.99%
This card shines for its no foreign transaction fees and airport lounge access, making it an excellent choice for international travelers who want to earn flexible rewards on their everyday spending.
Pros:
- No foreign transaction fees
- Airport lounge access
Cons:
- High annual fee
- Requires higher income for approval
- 2Aventura points on travel via CIBC Rewards Centre
- 1.5Aventura points on eligible gas, groceries, and EV charging
- 1Aventura points on all other spending
15,000 points for the first purchase, 30,000 points for spending $3,000 in the first 4 months, and another 15,000 for spending $5,000 in the same period.
Earn 2x points on travel via CIBC Rewards Centre, 1.5x on eligible gas, groceries, and EV charging, and 1x on other spending.
21.99%
22.99%
A key differentiator is its flexible travel rewards structure, allowing cardholders to earn points on a variety of everyday purchases while enjoying premium travel benefits.
Pros:
- Flexible travel rewards
- Lounge access
Cons:
- High annual fee
- Requires significant spending to maximize rewards
5.TD First Class Visa Infinite Card
TD Canada Trust
- 8TD Rewards Points on travel via Expedia For TD
- 6TD Rewards Points on groceries, dining, and transit
- 4TD Rewards Points on recurring bills/streaming
- 2TD Rewards Points on all other purchases
20,000 points for the first purchase and 145,000 points for spending $7,500 in the first six months.
Earn 8x on travel via Expedia For TD, 6x on groceries, dining, and transit, 4x on recurring bills/streaming, and 2x on other purchases.
21.99%
22.99%
The standout feature here is its exceptional earning potential on travel bookings, making it an ideal choice for frequent travelers who want to maximize their rewards.
Pros:
- High earning potential on travel
- Flexible rewards redemption
Cons:
- Annual fee applies
- Requires significant spending to maximize rewards
6.Scotiabank Gold American Express Card
Scotiabank
- 6Scene+ points on groceries, dining, and entertainment
- 5Scene+ points on gas and transit
- 1Scene+ points on all other purchases
25,000 points for spending $2,000 in the first three months and 20,000 points for an additional $7,500 in the first year.
Earn up to 6 Scene+ points on groceries, dining, entertainment, gas, transit, and streaming, plus 1x on other spending.
20.99%
22.99%
This card shines for its high rewards on everyday spending categories, making it a top choice for those who frequently shop for groceries and dine out.
Pros:
- High rewards on everyday spending
- No foreign transaction fees
Cons:
- Annual fee applies
- Limited to American Express acceptance
7.American Express Cobalt Card
American Express
- 5Membership Rewards points on eligible purchases
- 1Membership Rewards points on all other purchases
Earn 1,250 bonus points for each of the first 12 months you spend $750 on the card.
Earn 5x points on eligible purchases like groceries, restaurants, and food delivery, and 1x on everything else.
21.99%
21.99%
A key differentiator is its high rewards on everyday spending, particularly in food categories, making it a favorite for those who want to maximize their points on dining and groceries.
Pros:
- High rewards on food and dining
- Flexible redemption options
Cons:
- Monthly fee applies
- Requires understanding of point redemption
8.TD Aeroplan Visa Infinite Privilege Card
TD Canada Trust
- 2Aeroplan points on Air Canada purchases
- 1.5Aeroplan points on gas/EV, groceries, travel/transit, and dining
- 1.25Aeroplan points on all other spending
20,000 points for the first purchase, 35,000 points for spending $12,000 in 180 days, and 30,000 points for spending $24,000 in the first year.
Earn 2x on Air Canada purchases, 1.5x on gas/EV, groceries, travel/transit, and dining, and 1.25x on all other spending.
21.99%
22.99%
This card is the best option for affluent travelers who frequently fly Air Canada, offering premium benefits and high earning potential on travel-related purchases.
Pros:
- High Aeroplan point earning
- Maple Leaf Lounge access
Cons:
- Very high annual fee
- Requires significant spending to maximize rewards
Final Words
As you explore the best travel credit cards available this January 2026 in Canada, remember to assess your spending habits and travel preferences carefully. Take time to compare different options, ensuring you select a card that maximizes your rewards while offering valuable benefits tailored to your needs.
Frequently Asked Questions
The TD Aeroplan Visa Infinite Card offers a welcome bonus of 10,000 points for your first purchase, 15,000 points for spending $7,500 in 180 days, and 20,000 points for spending $12,000 in the first year. You can earn 1.5 Aeroplan points on eligible gas, groceries, and Air Canada purchases (up to $80k/yr) and 1x points on everything else.
With the WestJet RBC World Elite Mastercard, you earn 30,000 points after your first purchase, 30,000 points when you spend $5,000 in the first three months, plus a 10,000-point anniversary bonus. The card provides 2 WestJet points per $1 spent on eligible WestJet flights and 1.5 points per $1 spent on all other purchases.
The Scotiabank Passport Visa Infinite Card offers a welcome bonus of 40,000 points for $2,000 spent in 3 months, plus 10,000 points for $40,000 annual spend. You earn 3 Scene+ points on eligible travel purchases, 2 points on dining/entertainment, and 1 point on everything else.
When selecting a travel credit card, consider the welcome bonuses, annual fees, and reward rates relevant to your spending habits. Look for cards that offer additional travel perks, such as no foreign transaction fees, travel insurance, and rewards that align with your preferred airlines or hotel chains.
Most travel credit cards come with an annual fee, typically ranging from CA$100 to CA$200. However, many also offer significant rewards and benefits that can outweigh the cost, so evaluate your spending patterns and travel habits to determine if the fee is justified.
To maximize rewards, use your travel credit card for everyday purchases, especially in categories that earn higher points, such as dining or travel. Additionally, take advantage of welcome bonuses by meeting the spending requirements within the specified time frame.
A welcome bonus is an incentive offered by credit card issuers to attract new customers, typically awarded after meeting specific spending requirements within a set time frame. This can significantly enhance the value you receive from the card, especially if you travel frequently.
