Best Metal Credit Cards In Canada For January 2025

A premium travel card with full access to Maple Leaf Lounges and six complimentary visits at over 1,200 airport lounges around the world to relax before your flight. Enjoy the convenience of priority check-in, priority boarding and priority baggage handling, especially when you redeem your top-end welcome bonus to fly you and your partner round trip to Hawaii from anywhere in North America.

Learn more: Read our CIBC Aeroplan Visa Infinite Privilege Review

• Welcome bonus of up to 70,000 Aeroplan points (get 20,000 points after your first purchase, then get 30,000 points when you spend $7,000 or more during your first four monthly statements and then 20,000 points when you have at least $15,000 in net eligible purchases posted on your account during the first 12 monthly statement periods)
• Free first checked bag
• Maple Leaf Lounge access (giving you access to 16 airport lounges in Canada and 270 others in the U.S. and Europe)
• Get six complimentary visits at 1,200 airport lounges
• NEXUS application fee rebate ($50 value)
• Earn 1.5 Aeroplan points for every dollar you spend on gas, electric vehicle charging, groceries and travel & dining
• Earn 2 Aeroplan points for every dollar you spend with Air Canada directly (including Air Canada Vacations)
• Earn 1.25 points for every dollar you spend on all other purchases
• Based on average Canadian spending, Forbes Advisor Canada estimates this card could earn $170 in rewards value per year, with the annual fee factored in
• Offers double the points at over 150 Aeroplan partner brands, including Starbucks, LCBO and Amazon
• Get out-of-province emergency travel medical insurance (up to $5,000,000)
• Common carrier accident insurance in case of death (up to $500,000)
• Trip cancellation and trip interruption insurance ($2,500 to $5,000 per insured person)
• Flight delay and baggage insurance ($500 to $1,000) per insured person
• Collision, loss and damage insurance with your rental car
• Free rental car upgrades at Avis
• Purchase security (180 days from purchase) and extended protection insurance, giving you an additional two years following the expiry of the manufacturer’s warranty
• Mobile device insurance of up to $1,500)
• Reach Aeroplan Elite status faster
• Unlock an annual companion voucher for a trip around the world when you spend $25,000 on the card
• Get room upgrades, complimentary Wi-Fi and breakfast, and late checkout at over 900 Visa Infinite Luxury Hotels
• Call your 24/7 complimentary concierge for help with your travel itinerary and more
• This offer is not available to residents of Quebec
• Terms apply

True to its name, the TD Aeroplan Visa Infinite Privilege Card is exclusive and expensive, but brings to bear a broad array of perks and benefits, along with a surprisingly accessible credit score threshold.

• 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.
  • Earn a welcome bonus of 20,000 Aeroplan points when you make your first Purchase with your new Card†
  • Earn an additional 35,000 Aeroplan points when you spend $12,000 within 180 days of Account opening†
  • Plus, earn a one-time anniversary bonus of 30,000 Aeroplan points when you spend $24,000 within 12 months of Account opening†
  • Enroll for NEXUS and once every 48 months get a partial application fee rebate†
  • Share first free checked bags with up to 8 travel companions† and get unlimited access to Maple Leaf Lounges†, including complementary access for one guest.
  • Plus, primary card holders get 6 complimentary worldwide select airport lounge visits annually through the Visa Airport Companion Program†.
• Starbucks Bonus Offer for New Linked Members†: Link your TD Aeroplan Visa Infinite to earn 600 Starbucks Stars and redeem them for free Starbucks treats. Limited time only. Conditions and restrictions apply.
• This offer is not available to residents of Quebec.
• †Terms and conditions apply.

Customers can use this travel insurance credit card to squeeze more value out of Aventura Points with exclusive business class bookings, annual travel credits and Visa Infinite benefits.

Learn more: Read our CIBC Aventura Visa Infinite Privilege Card Review

• Welcome bonus of up to 80,000 Aventura Points. Earn 25,000 points after spending $3,000 or more in the first four months, earn 25,000 points after spending $6,000 or more in the first four months, and 30,000 points as an anniversary bonus when you have at least $25,000 in purchases posted to your account in the first year)
• 3 points per dollar on travel purchased through the CIBC Rewards Centre
• 2 points per dollar on dining, entertainment, transportation, gas, electric vehicle charging and groceries ($200,000 annual limit)
• 1.25 points per dollar on everyday purchases
• Forbes Advisor estimates a rewards value of $671.72 in net annual earnings based on average Canadian spending, with the annual fee factored in
• Emergency medical coverage: $5 million for 31 days (10 days for ages 65 and older)
• Common carrier/travel accident insurance: $500,000
• Trip cancellation: $2,500 per person ($10,000 per account)
• Trip interruption: $5,000 per person ($25,000 per account)
• Flight delay: $500 per person ($1,000 per account)
• Lost/stolen baggage: $1,000 per person ($2,500 per account)
• Delayed baggage: $500 per person ($1,000 per account)
• Hotel/motel burglary insurance: $2,500 per occurrence
• Car rental collision loss/damage: $85,000 for 48 days to cover rental car damage, loss or theft
• This offer does not apply to residents of Quebec
• Terms apply

BMO’s top-tier travel card offers a fantastic earn rate of five points per dollar spent on multiple categories, and 25% more points on all purchases when you add an authorized user. Plus, you’ll get all the benefits that come with the Visa Infinite Privilege program, excellent insurance offers, and even access to airport lounges globally.

• Welcome offer: Get up to 120,000 points*
• Earn 5x the BMO Rewards points on groceries, dining, drugstore purchases, gas and travel*
• Get 1 BMO Reward for every $1 spent on everything else*
• Get a $200 annual lifestyle credit to spend however you want*
• Mobile Device Insurance that covers you for up to $1,000*
• Earn 25% more points when you add an authorized user to your account*
• Pay with Points by browsing your recent transactions & redeem your points for as little as $1
• Enjoy a Visa Airport Companion membership and 6 complimentary airport lounge visits per year – valued at more than $250 USD.*
• Airport experiences along with Priority Security Lane, airport parking and valet service discounts at select Canadian airports*
• Enjoy the Visa Infinite Dining Series and Visa Infinite Wine Country*
• BMO is not responsible for maintaining the content on this site. Please click on the Apply now link for the most up to date information

A premium rewards card with a competitive flat earn rate and a 10% boost on points for adding an authorized user.

Learn more: Read our BMO eclipse Visa Infinite Review

• Welcome offer: Get up to 60,000 points worth $400 in travel rewards, a $50 lifestyle credit and the $120 annual fee waived in the first year – that’s a $570 value in your first anniversary!*
• Earn 5x the BMO Rewards points on groceries, dining, gas and transit*
• Get 1 BMO Reward for every $1 spent on everything else*
• Get a $50 anniversary lifestyle credit to spend however you want*
• Mobile Device Insurance that covers you for up to $1,000*
• Earn 10% more points when you add an authorized user to your account*
• Pay with Points by browsing your recent transactions & redeem your points for as little as $1
• BMO is not responsible for maintaining the content on this site. Please click on the Apply now link for the most up to date information
• *Terms and conditions apply

Beyond the welcome bonus of up to 150,000 Membership Rewards® points, the travel benefits and complimentary insurance coverage make the high fees seem like a bargain. The annual referral bonus of 225,000 points is another nice perk.

Learn more: Read our Business Platinum Card from American Express Review.

• Redefine what you’ll experience and discover with Platinum
• Earn up to 150,000 bonus Membership Rewards® points. Offer ends Jan 28, 2025.
• Earn 110,000 Membership Rewards® points after you charge $15,000 in net purchases to your Card in your first 3 months of Cardmembership. Offer ends Jan 28, 2025.
• Plus, earn 40,000 points when you make a purchase between 14 and 17 months of Cardmembership. Offer ends Jan 28, 2025.
• That’s up to $1,500 in statement credit that can be reinvested in your business
• Earn points that you can redeem in a variety of ways.
• Earn 1.25 Membership Rewards points for virtually every $1 in purchases and get the most out of your business expenses
• Enjoy an exceptional line-up of rewards redemption options for you and your business, including travel, dining, entertainment, gift cards, merchandise, and more with Membership Rewards program.
• Transfer points to frequent flyer and hotel programs, including one-to-one to Aeroplan®* and Avios.
• Bolster your business with up to $820 in annual business and travel statement credits
• Enroll your eligible Card and earn up to $500 in business statement credits on qualifying purchases with Dell and Indeed.
• Enroll and earn up to $120 in eligible Wireless Credits each year.
• Access a $200 Annual Travel Credit each year of your Cardmembership
• Unlock spending power and payment flexibility with a full suite of business management tools that give you more control over your business – anytime and anywhere
• Enjoy financial flexibility with no pre-set spending limit on purchases. With this Card, your purchasing power adjusts dynamically with your Card usage, and can grow over time, as long as you make your payments on time and maintain a good credit history.
• Maximize your cash flow with up to 55 interest free days so you can keep more cash on hand when you need it most.
• Pay for business expenses over time with Flexible Payment Option.
• This charge Card has both Due in Full and Flexible Payment Option balances. All Due in Full balances must be paid each month. Interest rate of 30% applies to each delinquent Due in Full Charge. This rate is effective from the day the account is opened. The Preferred rate of 21.99% applies to your Flexible Payment Option balance. If you have 2 separate Missed Payments in a 12 month period, the Flexible Payment Option rate for your account will be 25.99%. If you have 3 or more separate Missed Payments in a 12 month period, the Flexible Payment Option rate will be 28.99%. These rates are effective from the day the Flexible Payment Option is first available on your account.
• Extend payment solutions with Supplementary Cards for your employees.
• Enjoy special benefits for you and your business.
• Take full advantage of the American Express Global Lounge Collection which unlocks access to over 1400 airport lounges worldwide. This includes The Centurion® Lounge network, Plaza Premium Lounges, and hundreds of other domestic and international lounges designed to enhance your travel experience.
• Enjoy premium benefits at the Toronto Pearson Airport, including access to the Pearson Priority Security Lane and discount on parking.
• Get access to discounted base fares for you and your travel companions when you book through the International Airline Program.
• Enjoy Fine Hotels + Resorts benefits at over 1,300 properties worldwide like guaranteed late check-out, complimentary breakfast for two, and more with Business Platinum.
• Upgrade your stay with premium status at leading hotel brands like Hilton Honors and Marriott Bonvoy
• Enjoy access to specialty services and events, preferential treatment, and a dedicated Concierge team.
• Access a $100 CAD credit for NEXUS every 4 years with your Cardmembership
• Access comprehensive insurance coverage for your travel needs.
• Access Out of Province/Country Emergency Medical Insurance (for under age 65), even if you don’t charge your tickets and travel arrangements to your Business Platinum Card.
• Access Trip Cancellation Insurance, Trip Interruption Insurance, Travel Emergency Assistance, and up to $500,000 Travel Accident Insurance when you fully charge your tickets and travel arrangements to your Business Platinum Card.
• Plus, access Lost or Stolen Baggage Insurance, Flight Delay Insurance, and Baggage Delay Insurance when you fully charge your airline tickets to your Business Platinum Card.
• Save money when travelling with complimentary Car Rental Theft and Damage Insurance
  Access coverage that can protect your business purchases when you charge the full price of eligible items to your Business Platinum Card
• Protect your eligible purchases against accidental physical damage and theft for up to 90 days with Purchase Protection® Plan
• Double the manufacturer’s original warranty up to one additional year with Buyer’s Assurance® Protection Plan
• Equip your business with Mobile Device Insurance
• American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information, click the Apply Now link. If you apply and get approved for an American Express Card, (I/we) may receive compensation from American Express, which can be in the form of monetary payment.

With a high earning potential and annual travel credits, the only thing holding American Express Gold Rewards Card back from ranking higher on this list is its hefty $250 annual fee.

• Earn up to 60,000 Membership Rewards® points:
• New American Express® Gold Rewards Cardmembers, earn 5,000 Membership Rewards® points for each monthly billing period in which you spend $1,000 in net purchases on your Card
• This could add up to 60,000 points in a year. That’s up to $600 towards your next vacation
• Earn 2 points for every $1 in Card purchases for eligible travel purchases, including flights, hotels, car rentals, cruises, and more
• Earn 2 points for every $1 in Card purchases at eligible gas stations, grocery stores and drugstores in Canada, and 1 point for every $1 in Card purchases everywhere else
• The Card is now available in your choice of Gold or Rose Gold metal options
• Receive a $50 CAD statement credit when a NEXUS application or renewal fee is charged to your American Express Gold Rewards Card
• You have access to an annual $100 CAD Travel Credit, compliments of your American Express Gold Rewards Card. Use the credit once annually towards any single travel booking of $100 or more charged to your Gold Rewards Card through American Express Travel Online
• As a Gold Rewards Cardmember, you can receive complimentary membership in Priority PassTM – one of the world’s largest independent airport lounge programs. Escape the chaos of airports and relax in an oasis of calm and simply enjoy the fact that the travel experience has begun before your plane has even left the ground. Enrollment is required and entry fees apply
• Enjoy four (4) complimentary visits per Calendar year to Plaza Premium Lounges across Canada. Entry fees apply once complimentary visits have been used
• Charge any eligible purchase to your credit Card then log in to redeem your earned points for a statement credit
• Transfer points 1:1 to several frequent flyer and other loyalty programs
• 1 Free Additional Gold Rewards Card (a $50 value) to help you earn points faster
• Subject to approval. The preferred rate for purchases is 21.99% and funds advances is 21.99%. If you have Missed Payments, the applicable rates for your account will be 25.99% and/or 28.99%. See the information box included with the application for the definition of Missed Payment and which rates apply to charges on your account and other details
• American Express is not responsible for maintaining of monitoring the accuracy of information on this website. For full details and current product information click the Apply now link. Conditions apply.

For a steep annual fee, The Platinum Card® offers exclusive access to hotel loyalty programs and benefits that offer an average value of $600 at over 1,500 participating hotels and resorts. However, for average spending, this card fee does cancel out its earning potential, so it’s best used only by big spenders and those who can seriously benefit from its travel perks.

Related: How the AMEX Platinum Card Improves My Travel Experience

• Unlock special experiences with the Platinum Card®
• Earn up to 140,000 Membership Rewards® points – that’s up to $1,400 towards a weekend away. Offer ends Jan 28, 2025
• New Platinum® Cardmembers, earn 100,000 Welcome Bonus points after you charge $10,000 in net purchases to your Card in your first 3 months of Cardmembership. Offer ends Jan 28, 2025
• Plus, earn 40,000 points when you make a purchase between 14 and 17 months of Cardmembership. Offer ends Jan 28, 2025
• Earn 2 points for every $1 in Card purchases on eligible dining and food delivery in Canada, 2 points for every $1 in Card purchases on eligible travel, and 1 point for every $1 in all other Card purchases
• Access a $200 Annual Travel Credit through American Express Travel Online or Platinum® Card Travel Service
• Enjoy a $200 Annual Dining Credit at some of Canada’s best restaurants
• Unlock $200 or more in additional value with Member extras. You can earn statement credits for qualifying purchases with participating brands
• Take full advantage of The American Express Global Lounge CollectionTM which unlocks access to over 1,400 airport lounges worldwide. This includes The Centurion® Lounge network, Plaza Premium Lounges, and hundreds of other domestic and international lounges designed to enhance your travel experience
• Enjoy flexible ways to use your points such as statement credits for any eligible purchase charged to your Card, new travel purchases booked on American Express Travel Online through the Flexible Points Travel Program, and eligible flights through the Fixed Points Travel Program
• Transfer points 1:1 to several frequent flyer and other loyalty programs
• Enjoy complimentary benefits that offer an average value of $600 USD at over 1,500 extraordinary properties worldwide when you book Fine Hotels + Resorts
• Platinum Cardmembers can enjoy access to special events and unique opportunities
• Enjoy premium benefits at the Toronto Pearson Airport
• You will also have access to many leading hotel and car rental companies’ loyalty programs. Our partners include Marriott International, Hilton Hotels and Resorts, Hertz and Avis
• Interest applies in accordance with your Cardmember Agreement, Information Box, and Disclosure statement if the total New Balance is not paid by the Payment Due Date each month. All payments must be received by the Payment Due Date shown on the monthly statement
• American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information, click the Apply Now link. If you apply and get approved for an American Express Card, (I/we) may receive compensation from American Express, which can be in the form of monetary payment

This card unlocks luxury travel perks with priority privileges and elevated earn rates. The only catch is the $599 annual fee.

Learn more: Read our American Express Aeroplan Business Reserve Card Review

• Earn up to 90,000 Welcome Bonus Aeroplan®* points.
  • Earn 65,000 Aeroplan points after spending $10,500 in purchases on your Card within the first 3 months.
  • Plus, earn an additional 25,000 Aeroplan points when you spend $3,500 in purchases in month 13.
• Earn Aeroplan points that you can redeem in a variety of ways.
• Earn 3 points for every $1 spent on eligible purchases made directly with Air Canada and Air Canada Vacations®*, 2 points for every $1 spent on eligible hotels and car rentals.
• Earn 1.25 points for every $1 spent on everything else.
• Make the most out of a full suite of business management tools that give you more control over your business – anytime and anywhere.
• Leverage your cash flow with the option of carrying a balance or paying in full each month.
• Control employee expenses plus track and accumulate points on your account with Employee Cards, so you have an opportunity to maximize the points you earn.
• Unlock business travel possibilities to make every work trip one to look forward to.
• Access more than 1,200 Priority Pass™ airport lounges around the globe. That means an oasis of comfort before your flight—regardless of your choice of airline or cabin class.
• Enjoy access to select Air Canada Maple Leaf Lounges™ for you and a guest, and Air Canada Café™; in North America, with a same day ticket on a departing Air Canada or Star Alliance®* flight
• Enjoy Priority Check-In, Priority Boarding, and Priority Baggage Handling when you fly with Air Canada, together with up to eight companions
• Receive one Annual Worldwide Companion Pass when you spend $25,000 in net purchases prior to your Card anniversary date; your Pass entitles you to buy an accompanying Air Canada economy class ticket for a companion at a fixed base fare from $99 to a maximum of $599 CAD (plus taxes, fees, charges, and surcharges)
• Stay focused on getting where you need to go. Receive up to $100 CAD in statement credits every four years when NEXUS application or renewal fees are charged to your Aeroplan Business Reserve Card
• Pay with your American Express Aeroplan Business Reserve Card and present your Aeroplan Membership Card at over 170 Aeroplan partner brands and 120 online retailers via the Aeroplan eStore to earn points twice
• If you’re departing from Toronto Pearson International Airport, enjoy the benefits of being an American Express Aeroplan Business Reserve Cardmember. Get more from your travel experience with access to Pearson Priority Security Lane, Complimentary Valet Service, 15% discount on parking rates, and 15% discount on Car Care Services
• Roll over any unallocated Aeroplan Elite™ Status Qualifying Miles and unused eUpgrade Credits to the following year to enjoy during your travels.
• Enjoy priority access to the standby list and eUpgrades. Get prioritized on the standby waitlist for an Air Canada flight and higher priority when you request an eUpgrade
• Earn 1,000 Status Qualifying Miles and 1 Status Qualifying Segment for every $5,000 in eligible net purchases charged to your Card
• Book flight reward tickets for even fewer points with Air Canada. In addition to flights, you can also redeem for hotel stays, car rentals, vacation packages, merchandise and more
• Unlock two-car-class rental upgrades, expedited service, dedicated phone line, and more with complimentary upgrade to Avis President’s Club
• American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information, click the Apply Now link. If you apply and get approved for an American Express Card, (I/we) may receive compensation from American Express, which can be in the form of monetary payment

This card is well rounded, but it obviously rewards Air Canada travellers most. You get rewarded more when you make Air Canada purchases and the card offers all sorts of travel perks with the airline. Aside from that, you get extensive airport perks and really comprehensive travel insurance coverage.

• New American Express® Aeroplan®* Reserve Cardmembers can earn up to 85,000 Aeroplan points
• Earn 60,000 Aeroplan points after spending $7,500 in purchases on your Card within the first 3 months
• Plus, earn an additional 25,000 Aeroplan points when you spend $2,500 in purchases in month 13
• That’s up to $2,600 or more in value when you combine your welcome bonus points and card benefits
• New Offer: Cardmembers can now get an extra night free for every 3 consecutive hotel nights redeemed with Aeroplan points. Offer ends December 31, 2024
• Highest Air Canada earn rate on an Aeroplan payment card in Canada: Earn 3X the points on eligible purchases made directly with Air Canada®* and Air Canada Vacations®*
• Standard Earn Rate: Earn 2X the points on eligible Dining and Food Delivery purchases in Canada and earn 1.25X the points on everything else
• Get through the airport quicker with Air Canada Priority Check-In, Air Canada Priority Boarding and Air Canada Priority Baggage Handling
• Enjoy access to select Air Canada Maple Leaf Lounges™* and Air Canada Café™ in North America for you and a guest, with a same day ticket on a departing Air Canada or Star Alliance flight
• Enjoy your eligible first checked bag free for up to 9 people travelling on the same reservation on Air Canada flights
• Roll over any unallocated Aeroplan Elite™* Status Qualifying Miles and unused eUpgrade Credits to the following year to enjoy during your travels
• Get access to more than 1,200 Priority PassTM airport lounges and enjoy an oasis of comfort before your flight, regardless of your airline or cabin class
• Amex ExperiencesTM opens doors for you to access a number of special events, including special dining experiences, VIP parties, advance film screenings and more
• Get more from your travel experience at Toronto Pearson International Airport with:
• Access to Pearson Priority Security Lane
• Complimentary valet service at the Express Park and Daily Park
• 15% discount on parking rates at the Express Park and Daily Park
• 15% discount on Car Care Services
• Insurance Coverage: whether you’re shopping nearby or travelling abroad, you can feel confident knowing you can be taken care of
• American Express® Aeroplan®* Reserve Card is made from precision cut and engraved 13g metal – it’s the perfect companion on your next exceptional journey
• American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information click the Apply now link. If you apply and get approved for an American Express Card, (I/we) may receive compensation from American Express, which can be in the form of monetary payment.