Canadian Credit Card Point Bonus Comparison

Aeroplan & Membership Rewards Points

These points are desirable as they can be redeemed for a much higher value than their "Approximate Cash Value" if you book a sweetspot flight.

Aeroplan & Membership Rewards Other Points Business Cards
Aeroplan & Membership Rewards
Credit Card Comparison
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Card (Click Here to Sort) Fee Point Type Total Point Bonus Realistic Point Bonus Approximate Cash Value Bonus Cash Value Total Bonus Value Minus Fee Minimum Spend Requirement MSR Time (In Months) Spend Per Month Cash Value per Minimum Spend Requirement Personal Income Bank Perks Offer
CIBC Aventura Visa Infinite $0* Aventura
10
40,000
13
40,000
20
$500
01
$0
26
$500
03
$1,000
23
4
03
$250
01
2.00
21
$60,000		 CIBC
4 Lounge Passes, Nexus CreditL N
 Offer
Scotia Passport Visa $0* Scene
11
40,000
10
30,000
11
$300
24
$100
19
$400
06
$1,000
05
3
06
$333
04
1.2
24
$60,000		 Scotia
6 Lounge Passes, No Foreign Exchange FeeL F
 GCR
Scotia Amex Gold $0* Scene
14
45,000
09
25,000
06
$250
26
$125
17
$375
07
$1,000
06
3
07
$333
05
1.13
01
$0		 Scotia
No Foreign Exchange FeeF
 GCR
TD First Class Travel Visa $0* TD
33
145,000
32
135,000
28
$675
30
$175
32
$850
19
$5,000
25
6
16
$833
06
1.02
25
$60,000		 TD GCR
Amex Marriott Bonvoy $120
Marriott BonvoyMB
17
50,000
19
50,000
18
$450
04
$0
15
$330
11
$1,500
08
3
11
$500
09
0.66
04
$0		 Amex
1 Free Night after 1st year, Improved status at Mariott propertiesH
 GCR/Ref
HSBC World Elite Mastercard $0* HSBC
26
80,000
28
80,000
14
$400
31
$225
30
$625
26
$6,000
27
6
19
$1,000
10
0.63
29
$80,000		 HSBC
No Foreign Exchange Fee, Even better offer for Quebec residents availableF
 GCR
Scotia Momentum Visa $0* Cashback
03
200
03
200
04
$200
09
$0
04
$200
13
$2,000
13
3
15
$666
19
0.30
26
$60,000		 Scotia
4% cashback on groceries/subscriptions, 2% cashback on gas/transitC
BMO World Elite Air Miles $0*
Air MilesAM
07
3,500
06
2,000
08
$250
12
$0
07
$250
16
$3,000
16
3
22
$1,000
23
0.25
30
$80,000		 BMO CCG
BMO Eclipse Visa Infinite $0*
Air MilesAM
22
60,000
11
30,000
05
$200
20
$50
08
$250
17
$3,000
15
3
23
$1,000
22
0.25
27
$60,000		 BMO CCG
TD CashBack Visa Infinite $0* Cashback
04
290
05
290
10
$290
13
$0
12
$290
18
$3,500
17
3
27
$1,166
24
0.25
14
$0		 TD
3% cashback on groceries and gasC
Tangerine Mastercard $0* Cashback
02
100
02
100
02
$100
15
$0
02
$100
10
$1,000
03
2
14
$500
27
0.20
28
$60,000		 Tang GCR
RBC British Airways Visa $165 Avios
24
60,000
21
50,000
22
$500
17
$0
16
$335
30
$6,000
21
3
31
$2,000
29
0.17
18
$0		 RBC
Doordash Dashpass free for 12 months, Save 3 cents per L at Petro CanadaC
Westjet RBC WE Mastercard $0* Westjet
05
450
04
250
09
$250
18
$0
09
$250
01
$0
01
0
01
$0
31
0
31
$80,000		 RBC
Free 1st Checked Bag for 8 on WestJet, Annual Companion VoucherB V
RBC Avion Visa Infinite $120 Avion
19
55,000
12
35,000
13
$350
09
$0
05
$230
00
$0
00
0
00
$0
30
0
27
$60,000		 RBC CCG
RBC Avion Visa Platinum $120 Avion
20
55,000
12
35,000
13
$350
09
$0
05
$230
00
$0
00
0
00
$0
30
0
06
$0		 RBC
National Bank WE Mastercard $0*
A La CarteALC
01
0
01
0
01
$0
19
$0
01
$0
02
$0
02
0
02
$0
32
0
32
$80,000		 NB
Montreal Lounge Access, Excellent trip insurance when using pointsL I
 CCG
Last Updated April 18th, 2023

Notes

Not Financial Advice
This website is not financial advice and may not have up-to-date information. Please do your own reserach.
Bonus Cash Value
"Bonus Cash Value" calculates non point bonuses like rebates, cashback, credits, and other cash equivelants that do not come to you as points.
Cash Value per M.S.R.
"Cash Value per Minimum Spend Requirement" shows the most amount of value you get per dollar spend (the higher the better)
Assumptions
This chart assumes you want to spend the least amount of money to earn the most amount of points. It ignores the value of lounge visits, exclusive offers, companion passes, etc.
First Year Free
* means first year free. After your first year there is likely an annual fee. In almost all cases you can cancel the card before the second year annual fee.