The cards I'd put in my own wallet — personally tested for Canadian families.
Best for: Daily spending & foodies
“Still the undisputed #1 card in Canada. For moms managing high grocery and dining bills, no other card earns free flights faster.”
Best for: Expedia users & high bonus
“TD is currently offering a record-high 165,000 point bonus. It's the ultimate card for families who book via Expedia for TD.”
Best for: No FX Fees & Lounges
“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…”
No spreadsheets. No financial degree. Just smarter everyday spending.
Use the Ms Miles Card Finder to match a card to your spending — groceries, gas, dining, or all three.
Use your card for purchases you already make. No extra spending — just redirect what you're already doing.
Redeem your points for flights and hotel stays. Most Canadian families can earn a free trip within their first year.
Honest guides, trip reports, and points tips for Canadian families.
⭐ Ms Miles Top Pick Welcome Bonus Personalized CT Money offers Annual Fee No fee Issuer Canadian Tire Bank Best For Roadside assistance & CT…
Read moreWelcome Bonus 10% Cash Back (first 4 months) Annual Fee No fee Issuer Simplii Financial Best For Dining & Coffee ✔ Pros 4% back on…
Read moreWelcome Bonus Up to 60,000 Aventura points Annual Fee $139/yr Issuer CIBC Best For Booking flexibility ✔ Pros 4 lounge passes per year NEXUS application…
Read more⭐ Ms Miles Top Pick Welcome Bonus 50,000 Marriott Bonvoy points Annual Fee $120/yr Issuer American Express Best For Hotel stays & Free nights ✔…
Read more⭐ Ms Miles Top Pick Welcome Bonus Up to 70,000 WestJet dollars Annual Fee $139/yr Issuer RBC Royal Bank Best For WestJet flyers ✔ Pros…
Read more⭐ Ms Miles Top Pick Welcome Bonus Up to 100,000 MR points Annual Fee $799/yr Issuer American Express Best For VIP travel & lounge access…
Read more⭐ Ms Miles Top Pick 🌍 No FX Fees Welcome Bonus Up to 60,000 Scene+ points Annual Fee $150/yr Issuer Scotiabank Best For No FX…
Read more⭐ Ms Miles Top Pick Welcome Bonus Up to 165,000 TD Points (Record High) Annual Fee $139/yr Issuer TD Bank Best For Expedia users &…
Read more⭐ Ms Miles Top Pick Welcome Bonus Up to 15,000 MR points Annual Fee $192/yr Issuer American Express Best For Daily spending & foodies ✔…
Read moreAs of June 1, 2026, Air Canada is implementing significant updates to its Aeroplan Flight Reward Chart. For the community here at msmiles.ca, travel hacking…
Read moreTurn your grocery spending into free flights for the whole family.
