Best Credit Cards with Points in Canada 2025
If you’re a points enthusiast, you know how satisfying it can be to use a credit card that rewards you for your everyday spending. Canada has some fantastic options – each offering unique perks and earning structures. Let’s break down the top choices so you can find the best credit cards with points that match your lifestyle and help maximize your rewards!
11+ Best Credit Cards with Points in Canada
1. American Express Cobalt Card
The American Express Cobalt Card shines for Canadians, offering 5x points on dining and food – including groceries – 3x on streaming, 2x on travel, and 1x on all other purchases such as online shopping. For $12.99/month, it’s a smart way to rack up rewards fast, from travel to everyday buys. Points can be used on flights and purchases, among other reward options.
- Annual Fee: $155.88 (billed monthly at $12.99)
- Welcome Bonus: Up to 15,000 Membership Rewards Points + 5,000 points with a $2,500 spend in 3 months
- Best for: Foodies and travelers
2. Scotiabank Gold American Express
The Scotiabank Gold American Express Card is a powerhouse for earning points fast on everyday spending. With 5 points on groceries, dining, and entertainment and 3 points on gas, you’re set to earn rewards in no time. Another highlight? There are no foreign transaction fees, which means you can significantly save money when traveling or shopping online.
- Annual Fee: $120 (waived in the first year)Â
- Welcome Bonus: Up to 45,000 Scene+ Points
- Best for: Frequent travelers
3. TD First Class Travel Visa Infinite
Get the most from your travels with the TD First Class Travel Visa Infinite Card! Earn up to 8 points on travel through Expedia For TD and 6 points on daily spending like groceries and dining. Plus, with no blackout dates, this card lets you use points whenever you want! No annual fee for the first year, birthday bonus (maximum of 10,000 points), and access to travel perks make it a solid pick too.
- Annual Fee: $139 (waived in the first year)
- Welcome Bonus: Up to 20,000 TD Rewards Points + 115,000 points with a $5,000 spend within a period of 180 days
- Best for: Travel enthusiasts
4. BMO Ascend World Elite Mastercard
With BMO Ascend World Elite Mastercard, you can earn 5x the points on eligible travel, 3x points on dining and entertainment, and 1x point on everything else. But there’s more! You also get travel insurance and airport lounge access. There’s no annual fee in the first year – an awesome add-on for savvy Canadian spenders looking to save and earn.
- Annual Fee: $150 (waived in the first year)
- Welcome Offer: Up to 90,000 PointsÂ
- Best for: Frequent travelers and dining enthusiasts
5. RBC Avion Visa Infinite
The RBC Avion Visa Infinite Card stands out as a great points card in Canada, with flexible rewards on all purchases and redeemable travel perks. Earn 1 Avion point per dollar on regular purchases and 1.25 points on eligible travel. It also includes travel insurance and exclusive Visa Infinite privileges for dining, entertainment, and more.
- Annual Fee: $120
- Welcome Bonus: Up to 35,000 Avion Points + 20,000 bonus points with a $5,000 spend in 6 months
- Best for: Flexible travelers
6. MBNA Rewards World Elite Mastercard
With up to 30,000 bonus MBNA Rewards Points when you spend $2,000 in the first 90 days, you can turn those points into cash back, gift cards, or even travel perks. Earn 5 points for every $1 on eligible purchases and enjoy birthday bonuses too. The card also comes with a variety of other benefits, such as travel insurance, rental car insurance, and concierge services.
- Annual Fee: $120
- Welcome Bonus: Up to 30,000 Rewards Points
- Best for: Everyday shoppers and travel buffs
7. TD Aeroplan Visa Infinite
Want to boost your travel game? TD Aeroplan Visa Infinite is your passport to points galore. Earn Aeroplan points on every purchase, enjoy perks like free checked bags, and unlock exclusive Air Canada benefits. Plus, with a generous welcome bonus, you’re off to a flying start.
- Annual Fee: $139 (waived in the first year)
- Welcome Bonus: Up to 50,000 Aeroplan Points
- Best for: Frequent flyers looking for exclusive perks
8. Marriott Bonvoy American Express Card
Calling all Marriott fans – this card’s for you! With the Marriott Bonvoy American Express Card, you’ll earn 5x points on Marriott purchases and 2x points on everything else. Plus, enjoy a free night each year and get elite status perks.
- Annual Fee: $120
- Welcome Bonus: Up to 55,000 Points (after spending $1, 500 in the first 3 months)
- Best for: Frequent travelers and hotel stayers
9. Scotiabank Passport Visa Infinite
The Scotiabank Passport Visa Infinite Card offers great rewards for travel lovers and everyday spenders alike. You’ll earn 3 Scene+ points on groceries, 2 points on dining, and 1 point on other eligible purchases. It comes with no foreign transaction fees, making it a smart choice for your next trip. Several other perks are also included, like airport lounge access and exclusive travel deals.
- Annual Fee: $150
- Welcome Bonus: Up to 35,000 Bonus Scene+ Points
- Best for: Travelers seeking rewards without extra fees
10. Tangerine World Mastercard
The Tangerine World Mastercard is a no-fee credit card offering 2% unlimited cash back in two custom categories – along with 0.5% back on everything else. Add a third 2% category with cash-back deposits to your Tangerine Savings Account. Enjoy $1,000 mobile insurance, car rental coverage, and airport lounge access.
- Annual Fee: Free
- Welcome Bonus: 10% cash back (up to $100) on your first $1,000 spent in the first 2 months
- Best for: Savvy spenders
11. Rogers Red World Elite Mastercard
Another travel buff’s best friend, the Rogers Red World Elite rewards you with 1.5x points for every dollar you spend on Rogers, Fido, and Shaw purchases, plus you get all the usual travel insurance perks like trip cancellation and rental car damage. There’s no annual fee to worry about, which makes it a great everyday card to rack up rewards for your next adventure.
- Annual Fee: Free
- Welcome Bonus: None
- Best for: Flat-rate cash-back lovers
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