Flexible rewards are rewards that can be used a number of different ways or behave a lot more like a cash credit when redeeming for travel. 

Whether you want to use them for travel, for statement credit or even donations, flexible reward cards put you in charge of what you use your hard earned points on.

Like any category of credit cards, many of the best flexible rewards card come with many benefits and great perks, as well as a fairly high price-tag. Although, the number one card, the American Express Cobalt card, lets you pay the annual fee spread out over 12 months, and 4 out of 10 of these cards will give you the first year free:

  • CIBC Aventura Visa Infinite Card
  • CIBC Aventura Gold Visa Card
  • Scotiabank Gold American Express Card
  • BMO World Elite Mastercard

These top 10 flexible rewards credit cards will give you:

  • nice sign up bonuses, 
  • comprehensive insurance packages,
  • typically higher reward value than cash back, and 
  • rewards that can be redeemed for a number of different things.

Something to keep in mind…while flexible rewards give you a few different options for redeeming, you need to remember that the value of your rewards can often depend on the how you choose to redeem them

The list we have compiled below is based on the best option for redeeming your rewards.

Top Flexible Rewards Credit Card Rankings

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