CIBC Aventura® Visa Infinite* Card
The CIBC Aventura Visa Infinite Card is Ideal for jet-setters who value the efficiency of a concierge to manage travel details and everyday tasks. The card maximizes travel benefits without sacrificing rewards on daily spending.
Rewards: Collect 2 points per dollar on travel purchases with the CIBC Rewards Centre, 1.5 points per dollar spent at gas and EV charging stations, grocery stores and drug stores and 1 point per dollar on everything else.†
Welcome offer: Get up to $1,450 in value including a first year annual fee rebate!†. Earn up to 45,000 Aventura Points (up to $900 in travel value†): 15,000 Aventura Points after making your first purchase and 30,000 Aventura Points after spending $3,000 or more in net purchases in the first 4 monthly statement periods. †Terms and conditions apply. This offer is not available to residents of Quebec.
Annual fee: $139 (Rebated in the first year)† (Purchase Interest Rate†:20.99%; Cash Interest Rate†:22.99%)
Other benefits and drawbacks: Alongside the impressive points system, cardholders enjoy four complimentary lounge visits per year, a rebate on NEXUS application fees and no annual fees for additional cardholders. However, the card’s 2.5% foreign transaction fee and the $139 annual fee from the second year onward could be drawbacks for some users.
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CIBC Aeroplan Visa Infinite Card
The CIBC Aeroplan Visa Infinite Card is indispensable for travellers who regularly fly with Air Canada and its partners. Its concierge service, ready to assist with special requests and everyday needs, helps ensure a seamless travel experience and everyday convenience.
Rewards: Earn 1.5 Aeroplan Points per dollar on purchases with Air Canada and daily essentials like gas and groceries, plus 1 point per dollar on all other spending.
Welcome offer: Start your Aeroplan Points journey with up to 50,000 points in the first year—receive 10,000 points with your first purchase and an additional 40,000 when you spend $1,000 monthly during the first four months.
Annual fee: $139 (waived for the first year for both the primary cardholder and up to three additional cardholders)
Other benefits and drawbacks: In addition to earning rewards, cardholders enjoy travel-focused perks such as priority boarding and free first-checked bags on Air Canada flights. However, the card’s 2.5% foreign transaction fee may be a drawback for international spenders.
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CIBC Aventura Visa Infinite Privilege Card
Tailored for the discerning traveller, the CIBC Aventura Visa Infinite Privilege Card offers luxurious travel benefits and a personal concierge service that takes care of travel logistics, special occasions, and more. This ensures a premium experience for anybody who enjoys travelling in style and comfort.
Rewards: Earn 3 points per dollar on travel booked through CIBC’s Rewards Centre, 2 points on dining, entertainment and daily transit, plus 1.25 points on all other purchases.
Welcome offer: Up to 80,000 Aventura Points can be yours in the first year, broken down into 25,000 points for spending $3,000 in the first four months, an additional 25,000 for spending $6,000 and 30,000 as an anniversary bonus.
Annual fee: $499
Other benefits and drawbacks: Beyond the generous points system, cardholders enjoy six free airport lounge visits per year, a $200 annual travel credit and double Nexus application fee rebates (a $100 value). However, the high annual fee and 2.5% foreign transaction fee could be drawbacks for less frequent travellers.
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WestJet RBC® World Elite Mastercardǂ
Designed for the devoted WestJet traveller, the WestJet RBC World Elite Mastercard maximizes returns on flight expenses and enriches travel with round-the-clock concierge services, ensuring the seamless enjoyment of every journey.
Rewards: Earn 2% back in WestJet dollars on WestJet flights and vacation packages, plus 1.5% back on all other eligible purchases.
Welcome Offer: For a limited time, earn up to 450 WestJet dollars*. Get 250 WestJet dollars after the first purchase and 200 WestJet dollars after spending $5,000 in the first 3 months. *Terms and conditions apply.
Annual fee: $119, additional cards are $59
Other benefits and drawbacks: In addition to earning rewards, cardholders enjoy a free first-checked bag, an annual round-trip companion voucher starting at $119 and extensive insurance coverage. However, the 2.5% foreign transaction fee is a notable drawback for international travellers.
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Scotiabank Gold American Express® Card
The Scotiabank Gold American Express® Card is perfect for cardholders who enjoy the finer aspects of travel and daily convenience. It provides extensive concierge services alongside powerful earning potential.
Rewards: Earn 5 Scene+ points per dollar spent on eligible dining and grocery purchases in Canada, 3 points per dollar on streaming and transit and 1 point per dollar on other purchases.
Welcome Offer: Earn up to 40,000 Scene+ points. Earn 20,000 points by making at least $2,000 in eligible purchases in the first three months and get an additional 20,000 points after spending at least $7,500 in the first year. Must open account by July 1, 2025 to qualify.
Annual fee: $120
Other benefits and drawbacks: This card’s strength lies in its broad spectrum of rewards and no foreign transaction fees, complemented by a rich array of concierge services. However, the annual fee might be a downside for cardholders who prefer a more straightforward rewards card.
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RBC Avion Visa Infinite Privilege Card
The RBC Avion Visa Infinite Privilege Card is the ultimate travel companion for the discerning jet-setter, blending extensive travel benefits with tremendous reward earning potential.
Rewards: Earn 1.25 Avion points for every dollar spent.
Welcome offer: Get up to 70,000 Avion points (a travel value up to $1,500). Earn 35,000 Avion points upon approval, 20,000 Avion points after spending $5,000 in the first 6 months and 15,000 one-time anniversary bonus points after 12 months of account opening. Apply by November 25, 2024.
Annual fee: $399
Other benefits and drawbacks: The RBC Avion Visa Infinite Privilege Card features comprehensive insurance, covering trip cancellations, auto rentals and mobile devices up to $1,500. Cardholders also enjoy savings on fuel at Petro-Canada and earn extra points at Rexall, adding everyday value. However, the $399 annual fee and high income requirement may be prohibitive for users. Plus, despite its strong rewards for affluent clients, higher merchant fees may restrict where the card is accepted.
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TD® Aeroplan® Visa Infinite Privilege* Card
The TD® Aeroplan® Visa Infinite Privilege* Card is the premier choice for discerning travellers seeking to enhance their travel experience with luxury benefits and dedicated concierge support.
Rewards: Earn 2 Aeroplan Points for every dollar spent on Air Canada purchases, including Air Canada Vacations. Cardholders also earn 1.5 points for every dollar spent on gas, groceries, travel and dining purchases, as well as 1.25 points on every dollar for other purchases made with your card.
Welcome offer: Earn up to $3,000 in value† including up to 85,000 Aeroplan points (enough for a round trip to Honolulu†) and additional travel benefits. Conditions apply. Offer effective as of January 7, 2025. Not available for residents of Quebec.
Annual fee: $599
Other benefits and drawbacks: While the TD Aeroplan Visa Infinite Privilege Card offers extensive travel insurance and exclusive airport benefits, the high annual fee and income requirements might limit its appeal to higher earners committed to frequenting the Aeroplan program. The comprehensive concierge service, however, adds significant value, offering personalized assistance for travel, dining and everyday needs.
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TD® Aeroplan® Visa Infinite* Card
The TD® Aeroplan® Visa Infinite* Card is your gateway to sophisticated travel benefits and essential lifestyle management, thanks to its powerful combination of rewards-earning potential and concierge services.
Rewards: Earn 1.5 Aeroplan Points for every $1 spent on eligible gas, groceries and direct Air Canada purchases.
Welcome Offer: Earn up to $1,300 in value†, including up to 40,000 Aeroplan points† and additional travel benefits. Terms and conditions apply. This offer is not available to residents of Quebec.
Annual fee: $139 (Get an annual fee rebate in the first year. Terms and conditions apply.)†
Other benefits and drawbacks: Although the card offers various travel and lifestyle benefits, including a comprehensive insurance package and exclusive access to airport lounges, its value is best realized by frequent travellers who will make the most of the Aeroplan rewards and concierge services. The annual fee and income requirements may limit its appeal to higher earners who frequently use Aeroplan for their travel plans.
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RBC Avion Visa Infinite Card
Designed for the discerning traveller, the RBC Avion Visa Infinite Card enriches your travel experience with its concierge services and rewards you for your day-to-day transactions. Whether booking a last-minute business trip or a special anniversary dinner, this card offers the flexibility and luxury that ambitious professionals and avid adventurers seek.
Rewards: Earn 1 Avion point for every dollar spent, with an additional 25% on eligible travel purchases. This straightforward rewards structure makes it easy to accumulate points for a wide range of options, from flights to gift cards or even paying down your RBC mortgage or loan balances.
Welcome offer: Upon approval, new cardholders can immediately benefit from 35,000 Avion Points, offering a significant jumpstart to potentially covering a roundtrip flight across Canada or the U.S.
Annual fee: $120
Other benefits and drawbacks: The RBC Avion Visa Infinite Card offers more than just travel—it includes premium insurance options like mobile device insurance and extensive travel insurance coverage, adding peace of mind to its suite of benefits. However, the card’s benefits are best leveraged by individuals who travel frequently and spend enough to maximize the reward structure. For less frequent travellers or those who prefer simpler rewards programs, the benefits might not justify the annual fee.
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BMO AIR MILES World Elite®* Mastercard®*
The BMO AIR MILES World Elite®* Mastercard®*, the optimal choice for cardholders who value a rich rewards program paired with comprehensive concierge services, is ideal for both frequent travellers and everyday shoppers.
Rewards: Earn 3 AIR MILES Reward Miles for every $12 spent at participating AIR MILES Reward Partners, 2 Miles for every $12 spent at any eligible grocery store and 1 Mile for every $12 on other credit card purchases.
Welcome offer: New cardholders can kickstart their rewards journey by earning 3,000 AIR MILES after spending a minimum of $3,000 in the first three months.
Annual fee: $120 (waived for the first year)
Other benefits and drawbacks: The BMO AIR MILES World Elite®* Mastercard®* stands out for its travel and medical protection, offering up to $5 million in emergency medical coverage and collision damage waiver benefits on rental cars. However, the card’s steep income requirements can potentially limit its accessibility. Additionally, while the rewards are lucrative for frequent shoppers at Air Miles partners, everyday spenders might find the rewards rate on non-partner purchases less impressive.
