Credit Card Search

American Express Cobalt Card

"Still the undisputed #1 card in Canada. For moms managing high grocery and dining bills, no other card earns free flights faster."

💡 Family Hack: The 5x multiplier applies to gift cards sold at grocery stores. Buy your Amazon, Disney, or Netflix gift cards at Sobeys to earn 5x points on everything.

Pros

• 5x points on groceries and dining
• Transfer 1:1 to Aeroplan/Avios

Cons

• Monthly fee structure ($15.99)
• Not accepted at Loblaws-owned stores

Apply Now

TD First Class Travel® Visa Infinite*

"TD is currently offering a record-high 165,000 point bonus. It’s the ultimate card for families who book via Expedia for TD."

💡 Family Hack: The $100 annual travel credit can be used on any hotel booking of $500+. Use it for a weekend "staycation" to save an extra $100 instantly.

Pros

• 8x points on Expedia for TD
• 4 lounge passes included
• Annual $100 travel credit

Cons

• Points lose value if not used on Expedia
• Requires $60k personal income

Apply Now

Scotiabank Passport Visa Infinite

"The best all-in-one travel card for international trips. It’s one of the only "Big 5" cards that doesn't charge 2.5% on foreign purchases."

💡 Family Hack: You get 6 free lounge passes—most cards only give 4. This is enough to get a family of 4 plus 2 guests into a lounge for a pre-flight meal.

Pros

• No foreign transaction fees
• 6 free airport lounge passes
• Excellent travel insurance

Cons

• Annual fee is rarely waived
• Point value is lower for non-travel

Apply Now

The Platinum Card®

"The 2026 bonus is currently 100,000 points. If you value unlimited lounge access and airport VIP treatment, the high fee is worth it."

💡 Family Hack: The $200 annual dining credit can be used at many high-end Canadian restaurants. Perfect for a free anniversary or birthday dinner for two.

Pros

• Unlimited lounge access for family
• $200 travel & $200 dining credit

Cons

• Highest annual fee in Canada
• High spend requirement for bonus

Apply Now

WestJet RBC World Elite Mastercard

"The "Companion Voucher" is the holy grail for families flying WestJet. It turns a second ticket into a flat $119 (plus tax) anywhere in Canada."

💡 Family Hack: Check your first bag for free for you and 8 companions. For a family of four, this saves $280 on a single round-trip flight.

Pros

• Annual Companion Voucher
• Free first checked bag for 9 people

Cons

• Rewards only work for WestJet
• Requires $80k income

Apply Now

Triangle World Elite Mastercard

"A must-have for the free roadside assistance alone. It saves you $100+ a year on what you’d pay for CAA."

💡 Family Hack: The roadside assistance follows the cardholder. You are covered even if you are in a rental car or a friend’s car during a road trip.

Pros

• Free Gold Roadside Assistance
• 4% back at Canadian Tire

Cons

• Rewards are CT Money only
• High income requirement ($80k)

Apply Now

Marriott Bonvoy American Express Card

"The ultimate "Hotel Hack" for Canadians. While it carries a $120 fee, the annual free night certificate can easily be worth $300+, making this a card you keep forever."

💡 Family Hack: The Annual Free Night Award (35,000 points) is perfect for a "airport hotel" stay before an early family flight. It turns a stressful 4 AM wake-up call into a relaxed vacation start.

Pros

• Annual Free Night Award (35k points)
• 15 Elite Night Credits annually
• Silver Elite status

Cons

• Amex acceptance in smaller towns
• 2.5% foreign transaction fee

Apply Now

CIBC Aventura Visa Infinite*

"Currently offering a boosted 60,000 point bonus. It’s CIBC’s answer to flexible travel, offering more hotel options than Aeroplan."

💡 Family Hack: Points don’t expire. Use them for the Aventura "Fixed Points" flight map, which can offer much better value for short-haul family trips.

Pros

• 4 lounge passes per year
• NEXUS application fee rebate

Cons

• Best value is via CIBC portal
• High spend for full bonus

Apply Now

Simplii Financial Cash Back Visa

"The best no-fee card for coffee and dining. 4% back on restaurants is higher than almost any premium card."

💡 Family Hack: Keep this purely for your morning coffee and family dinners to maximize the 4% back, while using your travel cards for everything else.

Pros

• 4% back on restaurants/bars
• No annual fee

Cons

• Cash back only paid in January
• No travel insurance

Apply Now

Wealthsimple Cash Card

"Technically a prepaid card, but a travel-hacking essential. It offers the mid-market exchange rate with zero FX fees and global ATM fee reimbursements."

💡 Family Hack: Use this as your "Foreign ATM" card. Wealthsimple will often reimburse the fees that foreign banks charge you, saving a family $10-$20 every time you need local cash abroad.

Pros

• No FX fees
• Global ATM fee reimbursements
• 1% back on spend

Cons

• No travel insurance
• Must fund account in advance

Apply Now

PC Insiders World Elite Mastercard

"If you shop at Loblaws, Real Canadian Superstore, or Shoppers Drug Mart, this is your "Milk and Diapers" card. It turns essential household spending into free groceries."

💡 Family Hack: Wait for "20x Points Events" at Shoppers Drug Mart. Use this card during those events to effectively get 30-40% back in value on family essentials like sunscreen and medicine.

Pros

• 30 points per $1 at Loblaws/Shoppers
• Travel emergency medical insurance

Cons

• Rewards only at Loblaws/Shoppers
• Requires $80k income

Apply Now

American Express Aeroplan Reserve Card

"The absolute pinnacle of Aeroplan earning. If you fly Air Canada more than 6 times a year and value lounge access, this card pays for itself."

💡 Family Hack: The unlimited Maple Leaf Lounge access extends to your authorized users. Add your spouse as an authorized user and suddenly the whole family has lounge access.

Pros

• Unlimited Maple Leaf Lounge access
• Super Elite Status fast-track
• $200 annual credit

Cons

• Very high annual fee
• Amex acceptance

Apply Now

CIBC Aeroplan Visa Infinite Card

"CIBC's answer to the TD Aeroplan Infinite. It offers nearly identical perks but with slightly different bonus categories that might suit your spending better."

💡 Family Hack: The 1.5x on transit is unique—if you commute on GO Transit or TTC with the family for sporting events, those points add up quickly.

Pros

• Free checked bag
• Priority boarding
• NEXUS rebate

Cons

• Similar to TD version
• Requires $60k income

Apply Now

Rogers Red World Elite Mastercard

"The best no-fee cash back card for Rogers/Fido customers. Your cash back is worth 1.5x more when applied to your Rogers bill."

💡 Family Hack: If you are a Rogers customer, your 2% cash back becomes 3% effective value when applied to your bill. That is like getting a permanent discount on your families phone plan.

Pros

• 3% on US dollar purchases
• No annual fee
• 5 free Roam Like Home days

Cons

• Requires $80k income
• Best value locked to Rogers bills

Apply Now

National Bank World Elite Mastercard

"A cult favorite among travel hackers. The $150 annual travel credit effectively makes this card almost free, and it works on any airline expense."

💡 Family Hack: Use the travel credit on airport parking or checked bags on *any* airline. It turns those annoying travel "extras" into completely free perks.

Pros

• $150 annual travel credit
• Unlimited NBC lounge access
• Excellent insurance coverage

Cons

• Smaller welcome bonus
• Must be in Quebec or NB

Apply Now

Scotiabank Platinum American Express Card

"The middle child of Scotias Amex family. It is a solid everyday earner if you do not quite spend enough to justify the Gold version."

💡 Family Hack: If your Costco takes Visa but not Amex, use this at their gas bar (they usually accept Amex there) to earn 3x points on gas for the family van.

Pros

• 3x on gas/groceries/dining
• First year free
• Lower annual fee than Gold

Cons

• Lower earn than Gold version
• Amex acceptance

Apply Now

CIBC Aventura Visa Infinite Privilege Card

"The premium Aventura card for high earners. Priority Pass membership means your family has access to 1,300+ airport lounges worldwide."

💡 Family Hack: The mobile device insurance covers up to $1,500 per claim—most cards cap at $500. Perfect for replacing that iPad your toddler dropped at the airport.

Pros

• Priority Pass membership
• $2M medical coverage
• Mobile device insurance up to $1,500

Cons

• Very high annual fee
• Requires $150k individual income

Apply Now

RBC Avion Visa Infinite Card

"The original flexible travel rewards card. Book any flight on any airline with no blackout dates—a huge win during peak travel times like March Break."

💡 Family Hack: Use the "short haul" redemption chart. Flights under 1,250 miles cost only 15,000 points, making weekend trips to NYC or Boston extremely affordable for the family.

Pros

• Book any flight, any airline
• No blackout dates
• Short haul flight chart

Cons

• Point values vary
• No lounge access

Apply Now

BMO Eclipse Visa Infinite Card

"The budget travelers dream. It combines No FX fees with solid point earning, making it perfect for booking hotels and activities in the US."

💡 Family Hack: When you book hotels through BMO Rewards, the points-to-dollar ratio is often better than flights. Focus your redemptions on accommodation and pay cash for flights.

Pros

• No FX fees
• 5x on BMO travel bookings
• First year free

Cons

• Fixed point value
• No lounge access

Apply Now