Further perks: Obtain a $50 assertion credit score when a NEXUS software (or renewal charge) is charged to your card. You additionally get a $100 journey credit score to make use of towards any journey reserving, $100 or extra, charged in your card by way of American Categorical Journey On-line. Plus, you possibly can enroll for a free membership for the airport lounge program Precedence Cross.
Get extra particulars about American Categorical Rewards Playing cards*
American Categorical Cobalt*
Actually a game-changer for American Categorical, the American Categorical Cobalt Card is focused towards savvier clients with a month-to-month charge ($12.99 somewhat than $155.88/yearly) and an especially beneficiant 5-points-per-$1 multiplier on restaurant, grocery and even food-delivery purchases. Earn double the factors on journey (not simply with Air Canada, however all airways, resorts, and automotive rental corporations), in addition to on gasoline, public transit and rideshares. Plus, when utilizing the MR program, you possibly can simply redeem by way of the American Categorical Journey portal or for journey bought by yourself. Redeem on Amex’s versatile factors system.
Right here’s the way it works: 1,000 factors will get you $10 in direction of an eligible journey buy. You can additionally select to guide by way of the mounted factors system, whereby you could find candy spots to maximise factors valuation upward of $0.02 per mile, relying on vacation spot, provide and demand for these flights. Be conscious, nevertheless, that the Membership Rewards program (MR) for the Cobalt Card is the MR Choose, which is proscribed to redemptions on Amex’s Journey platform or transfers to pick out lodge companions. It’s extra restrictive than MR First (obtainable to Amex Platinum cardholders), which permits for miles transfers to Aeroplan.
- Month-to-month charge: $12.99 (or $155.88 yearly)
- Welcome bonus: As much as 30,000 bonus factors (2,500 factors for every month-to-month billing interval by which you spend $500 in internet purchases in your Card to your first yr), plus, earn a bonus of 20,000 factors if you spend $3,000 in purchases inside your first Three months of getting the cardboard
- Rewards earn fee: 5 factors per $1 on eating, groceries and meals supply; 2 factors per $1 on eligible journey, transit, and rideshare providers; 1 level per each $1 spent on every little thing else
- Further perks: Precedence entry to tickets for concert events and leisure by way of the Entrance of the Line program; complete journey protection; capacity to maximise redemption offers by transferring MR factors to pick out resorts.
Get extra particulars concerning the Amex Cobalt*
RBC WestJet World Elite
Should you’re trying to redeem miles completely for flights and also you’re keen to be versatile, the RBC WestJet World Elite Mastercard is a powerful alternative, made even stronger when you already financial institution with RBC Royal Financial institution. Earn 1.5% on every little thing you purchase (the usual is 1%), and a couple of% if you buy by way of WestJet. Redeeming is straightforward, too: 1 level equals $1 on WestJet flights, so there aren’t any difficult rewards charts to observe. Plus, because of an annual “companion flight” incentive, you possibly can guide a second WestJet ticket at a lowered fare—an amazing worth when you’re travelling with a liked one. The first cardholder will get the primary checked bag free on WestJet flights for themselves and as much as eight company on the identical reservation, offering further incentive on a $119 annual charge that’s under most comparable Aeroplan playing cards. Lastly, when you’re an RBC Royal Financial institution buyer with a VIP banking plan, you possibly can waive the price of this card.
- Annual charge: $119
- Welcome bonus: $350 WestJet on the primary buy; earn 2x the WestJet {dollars} on grocery, eating places and meals supply within the first three months; $Zero companion flight for the primary yr ($119 financial savings)
- Rewards earn fee: $1.50 WestJet per $1 spent on on a regular basis purchases; $2 WestJet per $1 spent on WestJet purchases
- Further perks: no blackout durations; WestJet {dollars} don’t expire; first checked bag free for the first cardholder and as much as eight company travelling on the identical reservation; complete journey insurance coverage; Boingo WiFi for Mastercard cardholders; save $0.03 per litre and earn 20% extra Petro-Factors at collaborating Petro-Canada stations
Brim Monetary World Mastercard*
Brim Monetary is a brand new entrant to the journey rewards area, with aggressive perks travellers will love. This card is a little bit of a black sheep, because it’s positioned as a money again card—however with travel-friendly options reminiscent of no international alternate charges, so you possibly can simply shave off the usual 2.5% markup on foreign-currency purchases if you’re travelling overseas or buying on-line. Earn 1.5% on on a regular basis purchases, however reap the advantages of accomplice airways like Emirates, Lufthansa, Etihad and Sunwing, with the flexibility to earn as much as 3% per $1 spent. Redeem merely with 100 factors per $1 credited, or 1.5% money again. Further perks embrace free world WiFi from Boingo, cell machine insurance coverage, occasion ticket reimbursement, and customary service accident insurance coverage.
- Annual charge: $99
- Welcome bonus: $300 in first-time bonuses at collaborating retailers
- Rewards earn fee: 1.5% on on a regular basis purchases
- Further perks: no international alternate charges; bonus earn charges with accomplice retailers, together with airways; free world WiFi from Boingo; cell machine insurance coverage; occasion ticket reimbursement; and customary service accident insurance coverage
Get extra particulars about BRIM Monetary World Elite Mastercard*
Scotiabank Passport Visa Infinite*
Scotiabank prides itself on having one of many best and most versatile level packages in Canada. Scotia Rewards doesn’t observe a particular rewards chart, however redeeming is simple to know. With 1 level equalling $0.01 in journey rewards. Earn 2 Scotia Rewards factors from each $1 you spend on eligible groceries, eating, leisure and every day transit purchases. Plus, earn 1 level per $1 for every little thing else. You may redeem factors from any journey web site, company or firm as you want, or you possibly can guide by way of Scotia Rewards. When travelling, you get entry to a Precedence Cross membership with six free airport lounge passes yearly. And that is the one bank card from a significant financial institution that gives no foreign-exchange charges for buying overseas or buying on-line in non-Canadian currencies—a development we hope to see choose up traction with different main banks. At an annual charge of $139, this card presents super worth in a variety of the way, with easy-to-comprehend earn and redemption programs.