--> --> What's The Best Rewards Program In Canada? | creditcardGenius --> --> -->   App Exclusive: $175 GeniusCash on a travel card with up to 100K bonus points! Download Now × 5 Hello! Sign In $150 Cash Back Compare Credit Cards Compare Credit Cards Compare Credit Cards Find Your Credit Card Quick Compare Top Credit Card Deals No Fee First Year Free Credit Card Quiz By Type Rewards Low Interest Balance Transfer Business Student Prepaid By Rewards Cash Back Travel Air Miles Aeroplan Store Grocery Reviews American Express Cobalt: Award-Winning. Limit-Pushing. Unmatched. BMO Ascend World Elite: Travel Rewards Reach New High American Express Gold Rewards: Your Ticket to Luxury TD® Aeroplan® Visa Infinite: Your Best Card for Air Canada Perks MBNA Rewards World Elite: Canada's Best Kept Secret BMO AIR MILES®† Mastercard: Groceries today. Getaways tomorrow. GeniusCash credit cards = more cash in your pocket! Up to $175 cash back on select, high benefit credit cards See card offers Best Credit Cards Best Credit Cards Best Credit Cards Top Credit Cards See All Best Credit Cards Best Credit Card By Type Best Credit Card By Bank Best Credit Card For You Big Banks BMO CIBC RBC Scotiabank TD More Banks American Express MBNA Neo Financial Rogers Tangerine Networks American Express Mastercard Visa GeniusCash credit cards = more cash in your pocket! Up to $175 cash back on select, high benefit credit cards See card offers Blog, News & Deals Blog, News & Deals Blog, News & Deals Blog Credit Card News Credit Card Reviews Credit Cards 101 Never Miss A Deal Guides & Research 15 Credit Card Benefits Credit Card Insurance Credit Card Perks Credit Card Concierge Credit Card Insurance Dollar Value What Are Your Credit Card Benefits Worth? Points & Miles Which Rewards Program Is Worth The Most? Air Miles Rewards Aeroplan Rewards Amex Membership Rewards BMO Rewards RBC Rewards Perks & Insurance Mobile Phone Insurance Rental Car Insurance Trip Cancellation Insurance Purchase Insurance Roadside Assistance Travel Insurance for Age 65 & Over GeniusCash credit cards = more cash in your pocket! Up to $175 cash back on select, high benefit credit cards See card offers Your Credit Score Your Credit Score Your Credit Score Cards By Credit Score Poor Credit Fair Credit Good Credit Very Good Credit Excellent Credit Credit Score 101 An Infographic Guide To Your Credit Score What Is A Good Credit Score? Does Applying For A Credit Card Hurt Your Credit Score? Soft Credit Check Vs. Hard Credit Check How To Protect Your Credit Score Must Read Best Instant Approval Credit Cards ‒ From No Credit To Excellent Credit Credit Cards For Bad Credit Secured Credit Cards Tangerine Money Back Credit Card KOHO Prepaid Mastercard Review GeniusCash credit cards = more cash in your pocket! Up to $175 cash back on select, high benefit credit cards See card offers Credit Card Quiz × GeniusCash credit cards = more cash in your pocket! Up to $175 cash back on select, high benefit credit cards See card offers $150 Cash Back Compare Credit Cards Credit Cards in Canada Find Your Credit Card Quick Compare Top Credit Card Deals No Fee First Year Free Credit Card Quiz By Type Rewards Low Interest Balance Transfer Business Student Prepaid By Rewards Cash Back Travel Air Miles Aeroplan Store Grocery Reviews American Express Cobalt: Award-Winning. Limit-Pushing. Unmatched. BMO Ascend World Elite: Travel Rewards Reach New High American Express Gold Rewards: Your Ticket to Luxury TD® Aeroplan® Visa Infinite: Your Best Card for Air Canada Perks MBNA Rewards World Elite: Canada's Best Kept Secret BMO AIR MILES®† Mastercard: Groceries today. Getaways tomorrow. Best Credit Cards Best Credit Cards for 2025 Top Credit Cards See All Best Credit Cards Best Credit Card By Type Best Credit Card By Bank Best Credit Card For You Big Banks BMO CIBC RBC Scotiabank TD More Banks American Express MBNA Neo Financial Rogers Tangerine Networks American Express Mastercard Visa Blog, News & Deals Latest Blog Articles Blog Credit Card News Credit Card Reviews Credit Cards 101 Never Miss A Deal Guides & Research 15 Credit Card Benefits Credit Card Insurance Credit Card Perks Credit Card Concierge Credit Card Insurance Dollar Value What Are Your Credit Card Benefits Worth? Points & Miles Which Rewards Program Is Worth The Most? Air Miles Rewards Aeroplan Rewards Amex Membership Rewards BMO Rewards RBC Rewards Perks & Insurance Mobile Phone Insurance Rental Car Insurance Trip Cancellation Insurance Purchase Insurance Roadside Assistance Travel Insurance for Age 65 & Over Your Credit Score Credit Score Guide Cards By Credit Score Poor Credit Fair Credit Good Credit Very Good Credit Excellent Credit Credit Score 101 An Infographic Guide To Your Credit Score What Is A Good Credit Score? Does Applying For A Credit Card Hurt Your Credit Score? Soft Credit Check Vs. Hard Credit Check How To Protect Your Credit Score Must Read Best Instant Approval Credit Cards ‒ From No Credit To Excellent Credit Credit Cards For Bad Credit Secured Credit Cards Tangerine Money Back Credit Card KOHO Prepaid Mastercard Review Credit Card Quiz creditcardGenius Disclosure creditcardGenius receives a referral fee for some credit cards listed; however, our comprehensive and math-based algorithm solely dictates the results of our rating system. Our ratings and rankings are strictly independent of compensation. Click to read our detailed disclosure . Our disclosure What's The Best Rewards Program In Canada? Written by creditcardGenius Team   updated on Apr 9, 2025 Fact Checked Fact Checked Accuracy is important to us so this article has gone through a thorough 3-stage review process and fact-checked by our team. We’ll start by saying there’s no single best program since it depends on where you shop and what you want from a rewards program. According to our research, the McDonald’s rewards program offers the most value – but VIPorter offers excellent return in the travel space, Amex Membership Rewards are some of the most flexible rewards, and the GeniusCash app offers big cash bonuses and up to 1% extra cash back that you can earn on top of other credit card rewards. To help you find the best rewards program for you , we’ve researched 20+ programs in Canada and listed the best ones for specific categories. Take a look at the rewards summary table and read on to learn how you earn and use your points. Key Takeaways In terms of return, the most valuable rewards program in Canada is McDonald's Rewards. Other top rewards programs in Canada include Aeroplan, Marriott Bonvoy, VIPorter, and Amex Membership Rewards. The GeniusCash app is a unique rewards program that offers up to 1% cash back on top of your existing rewards earn, plus big cash back bonuses of up to $250 each. Never miss an amazing deal again + get our bonus 250+ page eBook for FREE . Join 50,000 other Canadians who receive our weekly newsletter – learn more . Best loyalty and rewards programs in Canada We’ve broken down 20 different rewards programs based on their earn rates – from highest to lowest – and McDonald’s came out on top with nearly double the average earn rate than the second-place winner, Marriott Bonvoy. To get the average earn rate, we used the primary way you can earn points. Some programs allow you to earn points in store and with a credit card, but we’ve only considered the in-store points. This means that you may be able to earn significantly more with a co-branded credit card. Rewards program Best for … Average value of 1 point Primary ways to earn rewards Average earn rate McDonald's Rewards Food 0.13 cents * McDonald's 12.60% VIPorter Flights 1.5 cents * Flights * Credit cards 7.5% Marriott Bonvoy Hotels 0.97 cents * Marriott Hotels * Credit card 6.79% Tims Rewards Food 0.66 cents * Tim Hortons * Credit card 6.60% Aeroplan Flights 2 cents * Air Canada * Star Alliance airlines * Credit cards 4.00% American Express Membership Rewards Any Travel 2 cents * Credit cards 4.00% CIBC Rewards Flights 2.29 cents * Credit cards 3.44% RBC Rewards Flights 2.33 cents * Credit cards 2.33% MBNA Rewards Any Travel 1 cent * Credit cards 2.00% Desjardins BONUSDOLLARS Travel Or Cash $1 * Credit cards 2.00% National Bank À La Carte Rewards Flights and Vacation Packages 1 cent * Credit cards 2.00% Journie Rewards Gas 1.88 cents * Gas 1.88% TD Rewards Any Travel 0.5 cents * Credit cards 1.50% BMO Rewards Any Travel 0.67 cents * Credit cards 1.34% Scene+ Travel, Groceries, Movie Tickets 1 cent * Sobeys & Safeway * Cineplex * Scene+ Travel * Recipe Unlimited Restaurants * Home Hardware * Credit cards 1.00% PC Optimum Groceries & Gas 0.1 cent * Credit cards 1.00% Air Miles Travel 12.7 cents * Credit cards 0.64% WestJet Rewards Flights 1 cent * WestJet * Credit cards 0.50% More Rewards Travel 0.42 cents * Save-On-Foods 0.42% Canadian Tire Triangle Rewards Merchandise 4 cents * Canadian Tire * Credit cards 0.400% 1. McDonald's Rewards Average earn rate: 12.6% Best for: Food Ways to earn: McDonald’s purchases It may be surprising but McDonald's Rewards is one of the most valuable rewards programs in Canada. The points themselves aren't worth very much – a paltry 0.126 cents each when you get a free coffee (points are worth less for other menu items). But considering you can earn 100 of them for every $1 spent, it's an amazing return of up to 12.6% . The only way to earn McDonald's Rewards is by purchasing food at McDonald's restaurants. You earn 100 points per $1 spent on your food purchases, with special bonuses available from time to time to earn even more. 2. VIPorter Average earn rate: 7.5% Best for: Flights Ways to earn: Flights, credit cards Porter frequent flyers will appreciate the airline’s streamlined rewards program. Earning points is simple: get rewards points by flying with Porter or using a co-branded Porter credit card. While you can only redeem your VIPorter points for travel, you can choose from routes with Porter, Alaska Airlines, and Air Transat. Plus, your VIPorter membership comes with unique perks and benefits based on your membership level. The best card of the two VIPorter-branded credit card options is the BMO VIPorter World Elite Mastercard , which will earn you up to 4.5% back in Porter points (and give you fantastic World Elite Mastercard benefits). BMO VIPorter World Elite ® * Mastercard ® * 3.5 Genius Rating 5.0 (1) User reviews $150 GeniusCash + Get up to $2,400 in value + Automatic VIPorter Venture membership. * Annual fee $199.00 $0 1st year waived Welcome bonus $1,050 ◊ 70,000 points Annual rewards $540 ◊ GC Ends: Dec 31, 2025 GC: $150 I Want This Deal Learn More Instant approval: Yes Credit estimate: BMO VIPorter World Elite ® * Mastercard ® * GC: $150 3.5 Genius Rating 5.0 (1) User reviews $150 GeniusCash + Get up to $2,400 in value + Automatic VIPorter Venture membership. * Annual fee $199.00 $0 1st year waived Welcome bonus $1,050 ◊ 70,000 points Annual rewards $540 ◊ GC Ends: Dec 31, 2025 Credit estimate:  (560 - 659) I Want This Deal Learn More Instant approval: Yes Rewards Details & Eligibility Genius Rating User Reviews Pros & Cons Show More Rewards Details & Eligibility Genius Rating User Reviews Pros & Cons 3. Marriott Bonvoy Average earn rate: 6.79% Best for: Hotel stays Ways to earn: Marriott hotel stays, credit cards The best hotel rewards program in the world is Marriott Bonvoy , which has an average return of 0.97 cents per point. While this return rate is average, you can easily earn lots of points. You'll earn 10 points per U.S. dollar spent on your hotel stays, excluding taxes and fees. Factoring in the exchange rate, you'll earn around 7 points per $1 spent when you stay at Marriott hotels, for a 6.79% return on your spending. You can also earn Marriott points with the Marriott Bonvoy American Express Card at rates of: 5 points per $1 spent at Marriott properties 2 points per $1 spent on all other purchases Plus, it comes with an annual free night certificate worth 35,000 points and automatic Silver Elite status. Marriott Bonvoy ® American Express ® * Card 2.9 Genius Rating 4.2 (10) User reviews Up to 50,000 bonus points + Annual free night certificate. * Annual fee See rates Learn more Welcome bonus $485 ◊ 50,000 points Annual rewards $501 ◊ Learn more Apply Now Learn More Instant approval: Yes Credit estimate: Marriott Bonvoy ® American Express ® * Card 2.9 Genius Rating 4.2 (10) User reviews Up to 50,000 bonus points + Annual free night certificate. * Annual fee See rates Learn more Welcome bonus $485 ◊ 50,000 points Annual rewards $501 ◊ Learn more Credit estimate:  (560 - 659) Apply Now Learn More Instant approval: Yes Rewards Details & Eligibility Genius Rating User Reviews Pros & Cons Show More Rewards Details & Eligibility Genius Rating User Reviews Pros & Cons 4. Tims Rewards Average earn rate: 6.6% Best for: Food Ways to earn: Tim Hortons, credit cards If you like starting your morning with coffee and timbits, the Tim Hortons rewards program will offer you points worth 0.66 cents each. You'll get 10 points for every $1 spent at Tims, giving you a return of up to 6.6% on your purchases. You can supercharge your rewards by getting the Tims Mastercard, which gets you an extra 5 points per $1 spent at Tim Hortons. Unfortunately, you won’t earn rewards anywhere else. Tims ® Mastercard 3.2 Genius Rating 1.0 (1) User reviews Annual fee $0.00 Learn more Welcome bonus $20 ◊ Learn more Annual rewards $188 ◊ Learn more Learn More Tims ® Mastercard 3.2 Genius Rating 1.0 (1) User reviews Annual fee $0.00 Learn more Welcome bonus $20 ◊ Learn more Annual rewards $188 ◊ Learn more Credit estimate:  (760 - 900) Learn More Instant approval: Yes Rewards Details & Eligibility Genius Rating User Reviews Pros & Cons Show More Rewards Details & Eligibility Genius Rating User Reviews Pros & Cons 5. Aeroplan Average earn rate: 4% Best for: Flights Ways to earn: Air Canada, Star Alliance airlines, credit cards Aeroplan is Canada's largest airline rewards program. You can use your points to fly not only on Air Canada, but just about any Star Alliance carrier. Our valuation of a single Aeroplan point is 2 cents each. You earn points for flights based on how far you fly in miles, which is multiplied by a factor based on your fare class. For a standard fare, you’ll earn 25% or 50% of the miles flown domestically or internationally. You can also earn points on Aeroplan credit cards. The best credit card is the TD Aeroplan Visa Infinite Card , which offers up to 1.5 points per $1 spent on purchases. Plus it includes benefits like free checked bags on Air Canada flights and preferred pricing on reward flights. TD ® Aeroplan ® Visa Infinite * Card 4.4 Genius Rating 2.9 (38) User reviews Up to 45,000 Aeroplan points + Free checked bags on Air Canada. * Annual fee $139.00 $0 1st year waived Welcome bonus $900 ◊ 45,000 points Annual rewards $558 ◊ Learn more Apply Now Learn More Instant approval: Yes Credit estimate: TD ® Aeroplan ® Visa Infinite * Card 4.4 Genius Rating 2.9 (38) User reviews Up to 45,000 Aeroplan points + Free checked bags on Air Canada. * Annual fee $139.00 $0 1st year waived Welcome bonus $900 ◊ 45,000 points Annual rewards $558 ◊ Learn more Credit estimate:  (725 - 759) Apply Now Learn More Instant approval: Yes Rewards Details & Eligibility Genius Rating User Reviews Pros & Cons Show More Rewards Details & Eligibility Genius Rating User Reviews Pros & Cons 6. American Express Membership Rewards Average earn rate: 4% Best for: Any travel Ways to earn: Credit cards American Express Membership Rewards is a credit card-only rewards program. The points are very valuable, and the card has flexible earning and redemption options. For the best value, transfer them to one of the 6 available airline programs – one of which is Aeroplan. Since these points transfer 1:1 to Aeroplan, we’re giving each Amex point a value of 2 cents each. You also have these options at your disposal for travel, with the maximum point value (in cents per point, or CPP) for each: Fixed Points Travel Program: 1.75 CPP Transfer points 5:6 to Marriott: 1.16 CPP Redeem for any purchase: 1 CPP To earn rewards, you can use one of 4 credit cards, which average 2 points for every $1 spent. To maximize your points, use the American Express Cobalt Card , which earns points at the following rates: 5 points per $1 spent on eligible groceries and restaurants (up to $2,500 spent per month) 3 points per $1 spent on eligible streaming services 2 points per $1 spent on eligible gas, transit, and ride share purchases 1 point per $1 spent on foreign currency purchases 1 point per $1 spent on all other purchases American Express Cobalt ® Card 5.0 Genius Rating 4.1 (80) User reviews ×8 Award winner $100 GeniusCash + Earn up to 15,000 Welcome Bonus Membership Rewards ® Points. * Annual fee See rates Learn more Welcome bonus $300 ◊ 15,000 points Annual rewards $1,080 ◊ GC Ends: Dec 31, 2025 GC: $100 I Want This Deal Learn More Instant approval: Yes Credit estimate: American Express Cobalt ® Card GC: $100 5.0 Genius Rating 4.1 (80) User reviews 8x Award winner $100 GeniusCash + Earn up to 15,000 Welcome Bonus Membership Rewards ® Points. * Annual fee See rates Learn more Welcome bonus $300 ◊ 15,000 points Annual rewards $1,080 ◊ GC Ends: Dec 31, 2025 Credit estimate:  (660 - 724) I Want This Deal Learn More Instant approval: Yes Rewards Details & Eligibility Genius Rating User Reviews Pros & Cons Show More Rewards Details & Eligibility Genius Rating User Reviews Pros & Cons 7. CIBC Aventura Rewards Average earn rate: 3.44% Best for: Flights Ways to earn: Credit cards CIBC's rewards program, Aventura Rewards , offers 2 ways to use your points for travel. The best value can be found using the Air Travel Redemption chart. A long haul flight will provide value at up to 2.29 cents per point. You can also redeem for any travel from CIBC Rewards, where each point is worth 1 cent. The only way to earn CIBC Rewards is with a credit card. The earn rates vary from just under 1 point per $1 spent up to 3 points per $1 spent. A good average would be 1.5 points per $1 spent, which gives a 3.44% return on your spending. Although you have card options, the best of the bunch is the CIBC Aventura Visa Infinite Card, where you can earn up to 2 CIBC points per $1 spent and get perks like 4 free airport lounge passes per year. CIBC Aventura ® Visa Infinite * Card 4.3 Genius Rating 2.4 (18) User reviews Earn up to 45,000 Aventura points + 4 free lounge passes per year. † Rates & fees See rates Learn more Welcome bonus $1,151 ◊ 45k points + $120 Annual rewards $639 ◊ Learn more Apply Now Learn More Instant approval: Yes Credit estimate: CIBC Aventura ® Visa Infinite * Card 4.3 Genius Rating 2.4 (18) User reviews Earn up to 45,000 Aventura points + 4 free lounge passes per year. † Rates & fees See rates Learn more Welcome bonus $1,151 ◊ 45k points + $120 Annual rewards $639 ◊ Learn more Credit estimate:  (560 - 659) Apply Now Learn More Instant approval: Yes Rewards Details & Eligibility Genius Rating User Reviews Pros & Cons Show More Rewards Details & Eligibility Genius Rating User Reviews Pros & Cons 8. RBC Avion Rewards Average earn rate: 2.33% Best for: Flights Ways to earn: Credit cards RBC's own Avion rewards program offers a few ways to use your points, but only for Avion cardholders in the elite tier. In this tier, you can transfer your points to 4 airline programs (including WestJet) and redeem points towards travel booked through RBC Rewards. The best way to use them, though, is through the airline travel rewards chart. You can use points to cover the base airfare to a zone. The best value you can extract is up to 2.33 cents per point. If you're not in the Elite tier, you'll only be able to transfer points to WestJet or redeem for any travel from RBC Rewards. Most RBC Rewards cards earn 1 point per $1 spent on purchases. The best Avion card is the RBC Avion Visa Infinite , earning 1 point per $1 spent everywhere and a 25% bonus on travel purchases. RBC Avion Visa Infinite 4.3 Genius Rating 2.0 (79) User reviews ×1 Award winner 55,000 points + Up to 2.33% return on purchases. * Annual fee $120.00 Learn more Welcome bonus $1,402 ◊ 55k points + $120 Annual rewards $566 ◊ Offer Ends: Nov 25, 2025 Apply Now Learn More Instant approval: Yes Credit estimate: RBC Avion Visa Infinite 4.3 Genius Rating 2.0 (79) User reviews 1x Award winner 55,000 points + Up to 2.33% return on purchases. * Annual fee $120.00 Learn more Welcome bonus $1,402 ◊ 55k points + $120 Annual rewards $566 ◊ Offer Ends: Nov 25, 2025 Credit estimate:  (660 - 724) Apply Now Learn More Instant approval: Yes Rewards Details & Eligibility Genius Rating User Reviews Pros & Cons Show More Rewards Details & Eligibility Genius Rating User Reviews Pros & Cons 9. MBNA Rewards Average earn rate: 2% Best for: Any travel Ways to earn: Credit cards Another bank offers a very flexible rewards program: MBNA Rewards . The best way to use points is by booking travel through MBNA Rewards, where each point is worth 1 cent. Or, you can redeem them for a wide selection of e-gift cards, which give a near identical value of 0.99 cents per point. There are 2 cards that earn MBNA Rewards points, giving you up to 5 points per $1 spent, with 2 points being a good all-round average. You'll earn the most points with the MBNA Rewards World Elite Mastercard : 5 points for every $1 spent on restaurants, groceries, and select recurring bills (up to $50,000 spent annually per category) 1 point per $1 spent on all other purchases On top of that, you'll get 10% bonus points every year on your birthday, up to a maximum bonus of 15,000 points. MBNA Rewards World Elite ® Mastercard ® 5.0 Genius Rating 3.3 (81) User reviews ×4 Award winner $100 GeniusCash + Up to 30,000 bonus points + birthday bonus worth up to 15k points. * Annual fee $120.00 Learn more Welcome bonus $300 ◊ 30,000 points Annual rewards $686 ◊ GC Ends: Dec 31, 2025 GC: $100 I Want This Deal Learn More Instant approval: Yes Credit estimate: MBNA Rewards World Elite ® Mastercard ® GC: $100 5.0 Genius Rating 3.3 (81) User reviews 4x Award winner $100 GeniusCash + Up to 30,000 bonus points + birthday bonus worth up to 15k points. * Annual fee $120.00 Learn more Welcome bonus $300 ◊ 30,000 points Annual rewards $686 ◊ GC Ends: Dec 31, 2025 Credit estimate:  (725 - 759) I Want This Deal Learn More Instant approval: Yes Rewards Details & Eligibility Genius Rating User Reviews Pros & Cons Show More Rewards Details & Eligibility Genius Rating User Reviews Pros & Cons 10. Desjardins BONUSDOLLARS Average earn rate: 2% Best for: Travel or cash Ways to earn: Credit cards Desjardins BONUSDOLLARS give you a variety of ways to redeem your rewards, all with the same value where 1 BONUSDOLLAR equals an actual dollar. You can use those rewards towards gift cards, select purchases on your Desjardins credit card, and Desjardins financial products. Desjardins BONUSDOLLARS is a credit card-only rewards program. The best card is the Desjardins Odyssey World Elite Mastercard , which will earn you up to 3% back in BONUSDOLLARS on all your purchases. Desjardins Odyssey World Elite Mastercard 3.7 Genius Rating 3.6 (10) User reviews Annual fee $130.00 Learn more Welcome bonus $0 ◊ Learn more Annual rewards $354 ◊ Learn more Learn More Desjardins Odyssey World Elite Mastercard 3.7 Genius Rating 3.6 (10) User reviews Annual fee $130.00 Learn more Welcome bonus $0 ◊ Learn more Annual rewards $354 ◊ Learn more Credit estimate:  (760 - 900) Learn More Instant approval: Yes Rewards Details & Eligibility Genius Rating User Reviews Pros & Cons Show More Rewards Details & Eligibility Genius Rating User Reviews Pros & Cons 11. National Bank À La Carte Rewards Average earn rate: 2% Best for: Flights and vacation packages Ways to earn: Credit cards National Bank operates an in-house rewards program called À La Carte Rewards . You can redeem points for travel through National Bank's travel site, which is powered by Air Transat, for a value of 1 cent each. Alternatively, you can redeem points towards any travel charged to your National Bank rewards card – but the points are only worth 0.83 cents each that way. To earn the most À La Carte Rewards, the National Bank World Elite Mastercard offers up to 5 points per $1 spent, and comes with an annual $150 credit that you can use towards travel expenses like baggage fees and airport parking. National Bank World Elite Mastercard 4.5 Genius Rating 3.2 (16) User reviews Annual fee $150.00 Learn more Welcome bonus $400 ◊ 40,000 points Annual rewards $552 ◊ Offer Ends: Dec 1, 2025 Learn More National Bank World Elite Mastercard 4.5 Genius Rating 3.2 (16) User reviews Annual fee $150.00 Learn more Welcome bonus $400 ◊ 40,000 points Annual rewards $552 ◊ Offer Ends: Dec 1, 2025 Credit estimate:  (760 - 900) Learn More Instant approval: Yes Rewards Details & Eligibility Genius Rating User Reviews Pros & Cons Show More Rewards Details & Eligibility Genius Rating User Reviews Pros & Cons 12. Journie Rewards Average earn rate: 1.88% Best for: Gas Ways to earn: Gas Journie Rewards is the rewards program for several gas stations in Canada: Ultramar, Fas Gas, Pioneer, and Chevron. With Journie Rewards, you'll earn 1 point per litre of fuel purchased and 2 points per $1 spent on car washes and convenience store purchases. There are 3 tiers to the Journie Rewards: Overall, you'll spend about $480 to save $9 – a return of 1.88% or 0.03 cents per point. If you opt to collect Aeroplan points instead of getting fuel savings, you can earn 1 point per $3 spent on fuel. If you link your Aeroplan and Journie Rewards accounts, you'll replace the last tier with getting 300 Aeroplan points. 13. TD Rewards Average earn rate: 1.5% Best for: Any travel Ways to earn: Credit cards If you bank with TD, chances are you’ve come across its TD Rewards program. To earn TD points, make purchases with 1 of 4 TD Rewards credit cards and take advantage of the many bonus opportunities that pop up. We’ll warn you in advance: TD Rewards points don’t offer a lot of value. Travel is typically your best redemption option – specifically, booking travel through Expedia For TD gives you the highest point value of 0.5. Cardholders who don’t travel much might redeem points on Amazon.ca (which gives you 0.33 CPP) or through the TD Rewards shopping platform (for 0.27 CPP). You can also redeem the points for cash, but for only half the value of the Expedia travel option. Fortunately, it’s easy to quickly rack up TD Rewards points, especially if you reach for the TD First Class Travel Visa Infinite Card . Not only can you earn up to 8 points per $1 spent on purchases, but it also comes with a $100 travel credit for Expedia For TD, which you can apply to hotel and vacation package bookings of more than $500. TD First Class Travel ® Visa Infinite * Card 4.4 Genius Rating 3.5 (78) User reviews $20 GeniusCash + Up to 165,000 TD Rewards points (conditions apply). * Annual fee $139.00 $0 1st year waived Welcome bonus $825 ◊ 165,000 points Annual rewards $475 ◊ GC Ends: Dec 31, 2025 GC: $20 I Want This Deal Learn More Instant approval: Yes Credit estimate: TD First Class Travel ® Visa Infinite * Card GC: $20 4.4 Genius Rating 3.5 (78) User reviews $20 GeniusCash + Up to 165,000 TD Rewards points (conditions apply). * Annual fee $139.00 $0 1st year waived Welcome bonus $825 ◊ 165,000 points Annual rewards $475 ◊ GC Ends: Dec 31, 2025 Credit estimate:  (660 - 724) I Want This Deal Learn More Instant approval: Yes Rewards Details & Eligibility Genius Rating User Reviews Pros & Cons Show More Rewards Details & Eligibility Genius Rating User Reviews Pros & Cons 14. BMO Rewards Average earn rate: 1.34% Best for: Any travel Ways to earn: Credit cards If you’re a BMO credit cardholder, it’s easy to start earning BMO Rewards points. We found that the BMO eclipse Visa Infinite Card will earn you the most points, with up to 5 points per $1 spent on essentials like gas and groceries. Plus, it comes with an annual $50 lifestyle credit and the ability to earn 10% bonus points when you add an authorized user. Although travel gives you the most value for your points, you have lots of flexible redemption options. You can put your points towards travel bookings, statement credits, gift cards, investment rewards with BMO, and merchandise rewards (including Apple). BMO eclipse Visa Infinite * Card 3.7 Genius Rating 2.9 (18) User reviews $150 GeniusCash + Exclusive : Up to $637 in value + 5x points on gas & groceries. * Annual fee $120.00 $0 1st year waived Welcome bonus $469 ◊ 70,000 points Annual rewards $386 ◊ GC Ends: Dec 31, 2025 GC: $150 I Want This Deal Learn More Instant approval: Yes Credit estimate: BMO eclipse Visa Infinite * Card GC: $150 3.7 Genius Rating 2.9 (18) User reviews $150 GeniusCash + Exclusive : Up to $637 in value + 5x points on gas & groceries. * Annual fee $120.00 $0 1st year waived Welcome bonus $469 ◊ 70,000 points Annual rewards $386 ◊ GC Ends: Dec 31, 2025 Credit estimate:  (560 - 659) I Want This Deal Learn More Instant approval: Yes Rewards Details & Eligibility Genius Rating User Reviews Pros & Cons Show More Rewards Details & Eligibility Genius Rating User Reviews Pros & Cons 15. Scene+ Average earn rate: 1% Best for: Travel, groceries, movie tickets Ways to earn: Sobeys & Safeway, Cineplex, Scene+ travel, Recipe Unlimited restaurants, Home Hardware, credit cards Scene+ has quickly become one of the best flexible rewards programs due to its high number of equally valuable redemption options and places you can earn them just by shopping. You can earn points through personalized offers (like at Sobeys and Safeway) or a per-dollar rate (at Cineplex, Expedia through Scene+, Home Hardware, and Recipe Unlimited restaurants). When you redeem your points, they're worth 1 cent each, and you can get that value in the following ways: Any travel Sobeys or Safeway Cineplex Home Hardware Recipe Unlimited restaurants You can also earn Scene+ points everywhere with Scene+ credit cards issued by Scotiabank. There are 5 personal cards to choose from but you'll earn the most points with the Scotiabank Gold American Express Card . 6 Scene+ points per $1 spent at Sobeys, Safeway, FreshCo and more 5 Scene+ points per $1 spent on groceries, dining, and entertainment 3 Scene+ points per $1 spent on gas, select streaming services, and transit 1 Scene+ point per $1 spent on foreign currency purchases 1 Scene+ point per $1 spent on all other purchases It's a full-featured card with 12 types of insurance and a special bonus – no foreign exchange fees – for a standard $120 annual fee. Scotiabank Gold American Express ® Card 4.7 Genius Rating 3.2 (60) User reviews ×1 Award winner $100 GeniusCash + Up to 50,000 bonus points + No foreign exchange fees. * Annual fee $120.00 $0 1st year waived Welcome bonus $500 ◊ 50,000 Scene+ points Annual rewards $588 ◊ GC Ends: Dec 31, 2025 GC: $100 I Want This Deal Learn More Instant approval: Yes Credit estimate: Scotiabank Gold American Express ® Card GC: $100 4.7 Genius Rating 3.2 (60) User reviews 1x Award winner $100 GeniusCash + Up to 50,000 bonus points + No foreign exchange fees. * Annual fee $120.00 $0 1st year waived Welcome bonus $500 ◊ 50,000 Scene+ points Annual rewards $588 ◊ GC Ends: Dec 31, 2025 Credit estimate:  (660 - 724) I Want This Deal Learn More Instant approval: Yes Rewards Details & Eligibility Genius Rating User Reviews Pros & Cons Show More Rewards Details & Eligibility Genius Rating User Reviews Pros & Cons 16. PC Optimum Average earn rate: 1% Best for: Groceries and gas Ways to earn: Credit cards PC Optimum is the rewards program of Canada's largest grocer (Loblaws) but extends to other places as well. You can earn points: On personalized offers at Loblaws stores At Shoppers Drug Mart – 15 points per $1 spent While filling up at Esso stations – 10 points per litre or $1 spent in the convenience store When you’re ready to redeem your points, you've got a few options: 10,000 points = $10 off your bill at Loblaws and Shoppers Drug Mart 4,000 points = 10¢ off per litre on up to 40 litres at Esso gas stations 10,000 points = a free car wash of any kind at Esso car washes If you want to earn even more points, apply for a PC Financial Mastercard . There are 4 cards to choose from – 3 of which have no annual fee. 17. Air Miles Average earn rate: 0.64% Best for: Travel Ways to earn: Credit cards Air Miles have a typical earn rate of 1 Air Mile per $20 spent. This can vary, and many partners offer bonuses from time to time so that you can earn even more. When redeeming your miles, travel is your best bet. Car rentals, specifically, provide the best average value, with flights and cash miles as your next best options. You can also boost your Air Miles bank with an Air Miles credit card. The BMO AIR MILES World Elite Mastercard will help you make the most of your miles. You’ll earn: 1 Mile for every $12 spent 3x the Miles for every $12 at participating Air Miles partners 2x the Miles for every $12 spent at any eligible grocery, liquor, and wholesale stores Once per year, you can save 25% of the cost of an Air Miles reward flight up to a maximum of 750 miles saved. Using them for flights makes every mile you collect more valuable. Plus, you’ll get an excellent insurance package with 14 types of coverage included. BMO AIR MILES ® † World Elite ® * Mastercard ® * 4.1 Genius Rating 3.4 (55) User reviews ×1 Award winner $150 GeniusCash + Up to 9,000 bonus AIR MILES + 3x the AIR MILES at partners. * Annual fee $120.00 $0 1st year waived Welcome bonus $945 ◊ 9,000 miles Annual rewards $267 ◊ GC Ends: Dec 31, 2025 GC: $150 I Want This Deal Learn More Instant approval: Yes Credit estimate: BMO AIR MILES ® † World Elite ® * Mastercard ® * GC: $150 4.1 Genius Rating 3.4 (55) User reviews 1x Award winner $150 GeniusCash + Up to 9,000 bonus AIR MILES + 3x the AIR MILES at partners. * Annual fee $120.00 $0 1st year waived Welcome bonus $945 ◊ 9,000 miles Annual rewards $267 ◊ GC Ends: Dec 31, 2025 Credit estimate:  (560 - 659) I Want This Deal Learn More Instant approval: Yes Rewards Details & Eligibility Genius Rating User Reviews Pros & Cons Show More Rewards Details & Eligibility Genius Rating User Reviews Pros & Cons 18. WestJet Rewards Average earn rate: 0.5% Best for: Flights Ways to earn: WestJet and partner flights, credit cards WestJet operates WestJet Rewards , through which you earn WestJet dollars on base spend for air travel and vacation packages (that is, not including taxes and fees). You can also earn WestJet dollars with a few of their partners, including Delta, Air France, and KLM. At the lowest tier, you'll earn 0.5% back in WestJet dollars. Frequent WestJet flyers can earn up to 8% back. A WestJet dollar is worth the same as a real dollar. You can use them to book flights with WestJet or partners, but WestJet dollars can only be used to pay for base airfares or vacation packages. You always have to pay the taxes and fees. WestJet also has its own lineup of credit cards issued by RBC. The WestJet RBC World Elite Mastercard will get you the most rewards and benefits: 2 WestJet points per $1 spent on WestJet or WestJet Vacations purchases 2 WestJet points per $1 spent on groceries, gas, EV charging, public transit and rideshare 1.5 WestJet point per $1 spent on all other everyday purchases It also comes with an annual companion voucher and free first checked bags on WestJet flights. WestJet RBC World Elite Mastercard 3.6 Genius Rating 2.5 (62) User reviews Annual fee $139.00 Learn more Welcome bonus $820 ◊ 70k points + $120 Annual rewards $399 ◊ Offer Ends: Feb 4, 2026 Learn More WestJet RBC World Elite Mastercard 3.6 Genius Rating 2.5 (62) User reviews Annual fee $139.00 Learn more Welcome bonus $820 ◊ 70k points + $120 Annual rewards $399 ◊ Offer Ends: Feb 4, 2026 Credit estimate:  (760 - 900) Learn More Instant approval: Yes Rewards Details & Eligibility Genius Rating User Reviews Pros & Cons Show More Rewards Details & Eligibility Genius Rating User Reviews Pros & Cons 19. More Rewards Average earn rate: 0.42% Best for: Travel Ways to earn: Save-On-Foods If you live in Western Canada, More Rewards is the rewards program for Save-On-Foods. It earns 1 point per $1 spent on all purchases, plus bonus points on select products. You'll also earn 1 point per $1 spent at these retailers: Coast Hotels Speedy Glass Accent Inns Jim Pattison Auto Group Panago Pizza More Rewards Travel If you want to get the most out of your points, redeem them for travel through the More Rewards travel portal. That way, they're worth 0.42 cents each. 20. Triangle Rewards Average earn rate: 0.4% Best for: Merchandise Ways to earn: Canadian Tire, credit cards Canadian Tire's all-digital rewards program, Triangle Rewards , is worth 0.4% back in Canadian Tire Money, where each dollar is worth the same as a regular dollar. It's not a lot, but Canadian Tire is full of big promotions where you can earn up to 30x the Canadian Tire Money on select days and specific products. Canadian Tire also has a paid membership program called Triangle Select , where you can earn 10x the rewards on every purchase. Canadian Tire issues a pair of Triangle Mastercards, which help you earn even more rewards at the store. BONUS: GeniusCash Average earn rate: Up to 1% Best for: Cash back Ways to earn: Connected card spending; GeniusCash Offers on creditcardGenius, moneyGenius, or the GeniusCash app GeniusCash by moneyGenius is a unique rewards program that boosts your existing credit card rewards with up to 1% extra cash back and exclusive Offers worth up to $250 each . Once you securely connect your cards, Max analysis will provide personalized recommendations that help you increase your rewards return. GeniusCash Quests do double duty, levelling up your financial knowledge and earning you GeniusCoins that you can use to level up your bonus cash back. GeniusCash has become synonymous with big cash bonuses, but the app now contains exclusive Offers that aren’t available anywhere else. See an Offer you love, apply through the app, get approved, and get a cash payout of up to $250 – it’s that simple. The GeniusCash app is free to use and available for download from the App Store and Google Play . FAQ What are the best reward programs in Canada? The best reward program for you depends on what rewards you’re looking for. Overall, we think Aeroplan, McDonald’s Rewards, Marriott Bonvoy, and Amex Membership Rewards are some of the best programs since they offer competitive earn rates and great redemption options. What are the types of loyalty programs? Loyalty programs usually reward you for shopping or getting services from a certain retailer. You might earn discounts, earn points faster, or get cash back for purchases made at the retailer. Some provide a combination of these perks. What is the biggest loyalty program in Canada? Aeroplan is currently the biggest loyalty program in Canada. This means you have multiple ways to earn points and participate in the program. creditcardGenius is the only tool that compares 126+ features of 227 Canadian credit cards using math-based ratings and rankings that respond to your needs, instantly. Take our quiz and see which of Canada's 227 cards is for you. Did you find this article helpful? Yes No Editorial Disclaimer : The content here reflects the author's opinion alone. No bank, credit card issuer, rewards program, or other entity has reviewed, approved, or endorsed this content. For complete and updated product information please visit the product issuer's website. Our credit card scores and rankings are based on our Rating Methodology that takes into account 126+ features for each of 227 Canadian credit cards. Hot Credit Card Deals This Month Hot Credit Card Deals This Month: Get even more cash back with exclusive offers only available on the GeniusCash app Explore bigger GeniusCash offers that you won't find anywhere else. Connect your credit cards and unlock bonus cash on your spending that you won't get anywhere else. Explore customized recommendations to help you find the best products to level up your rewards. Be the first to know about new, limited-time GeniusCash offers so that you never miss a deal. Refer your friends and family to earn bonus levels and extra cash back. Up to 90,000 100,000 bonus points + 4 free lounge passes per year + $125 GeniusCash Earn up to 5x the points on purchases. 90,000 100,000 point welcome bonus worth up to $670. Includes a Mastercard Travel Pass membership with 4 free passes.. Annual fee of $150, which is waived for the first year. $125 GeniusCash on approval ‒ offer ends Dec 31, 2025. * Earn up to 165,000 bonus points + First year annual fee rebate + $20 GeniusCash Earn up 165,000 TD Rewards points as a welcome bonus. Earn 8 points per $1 spent on travel through Expedia For TD. Earn 6 points per $1 spent on groceries and restaurants. Annual $100 travel credit for use at Expedia For TD. $20 GeniusCash on approval ‒ offer ends Nov 30, 2025. * 0% interest for 12 months with Canada's #1 balance transfer promotion + $20 GeniusCash Best balance transfer rate in Canada. You can get a 0% promotional balance transfer rate for 12 months to help you pay off pre-existing credit card debt. Permanent low interest rates of 12.99% on purchases and 17.99% on balance transfers (24.99% on cash advances). No annual fee. $20 GeniusCash on approval ‒ offer ends Nov 30, 2025. * $20 GeniusCash on approval ‒ offer ends Nov 30, 2025. * Bonus : Finally earn rewards on your biggest expense by paying for your rent and other bills with Chexy. Related Posts Which Is The Best Airline Rewards Program In Canada? What's The Best Rewards Program In Canada? Big 5 Bank Rewards Programs Compared How To Maximize Non-Travel Credit Card Rewards Comments Leave a comment Required fields are marked with *. Your email address will not be published. Post Comment Showing 14 comments Hreg April 18, 2022 American Express is my favorite card. Reply Sandra March 16, 2022 Why do you not include Tangerine credit cards when comparing cards? They are owned by the Bank of Nova Scotia Reply creditcardGenius Team March 16, 2022 Hey Sandra, We didn't include the Tangerine cards as they are strictly Cash Back cards. This article is focused on rewards programs and their respective cards. Thanks for asking! Reply Marpy December 23, 2021 IMO - Used correctly, Its kind of hard to beat the PC optimum when paired with there credit card. The card gives you up to 3% in points back when you shop at there stores and they regularly have offers that give you 20% of in points on grocery items, 30% of in points at Shoppers Drug Mart. They also do points redeem events where you can get up to 50% more for your points. The Key is to use the program so that it works in your favor. 30% off something that costs 50% more than it should is no bargain at all and so you have to know your prices. You will find that a lot of there promotions are well priced even before the points offered and for those that are not, you do not have to buy from them. You then have the redemption events where you can earn up to 50% more for your points. So if you are a smart points shopper and then get another 30% to 50% off on redemption, the savings can be huge. Redemption of points - you can of course redeem your points for any groceries that they sell but you can also redeem them for cell phones, a limited selection of electronics and other hard good sold by shoppers Drug Mart and almost anything else Shoppers sells. with Cell phones, PC has there own cell phone shop which means that you can get almost any cell phone you want with points (note that they have certain conditions here. Anyway - things that we have purchased with PC points over the past couple years - Lap top computer , Apple cell phone, Samsung tablet. All were competitively priced or close enough , the Samsung tab and computer were purchased during bonus points events meaning that we got 50% more points. We only use the PC card at there stores or affiliated stores that provide a good points return. For everything else, we use other cards. Non of the cards we use have fees and by using a combination of three cards, we get 2% or better cash back on almost all purchases and a lot more in points when we us the PC card. the other 2 cards area Tangerine Card and a Rogers Card (mostly for the US foreign Exchange but the cash back is also ok on other spend for a "no fee card". JMO Reply creditcardGenius Team December 24, 2021 Hey Marpy, You bring up some great points here. Using a combination of different credit cards and rewards programs will always stretch your dollars into a higher rewards return. PC Optimum has some excellent benefits, especially pair with their credit cards. Thanks for sharing! Reply Lily July 29, 2021 You forgot Brim--cashback - 1 point for every dollar charged; 100 pts = $1; can be used to pay balance on account with no time restrictions; redeem in multiples of 100. Reply creditcardGenius Team August 12, 2021 Hey Lily, Yup, Brim is super easy to redeem for almost anything. We actually do have them in this article in the 7th position. You can read more here . Reply Maxim August 31, 2020 Too much work with vague outcome. You can calculate point value, but what for? Better just give cashback vs spent money. It doesn't really matter that 1 airmile is worth more than 1 Canadian Tire cent. The question is how much you had to spend to earn them. Next, it's good to have a Scotia reward card, but it would cost you $120 per year, while the same Canadian Tire Mastercard costs you nothing. Third, who cares about Canadian Tire program giving you only 0.004 cents per dollar? Get a free card and always get 5 times more, which would beat other rewards program. That was just an example of Canadian Tire. There are few more good cards which I can't see here : Tangerine, MBNA, Rogers. They're all free and have 2% categories, beating most of mentioned programs. Reply Marpy December 23, 2021 Tangerine bank master card - no fee and 2% cash back on 3 categories. Rogers Master card will give you 1.5% on almost all spend and again no fee. Reply Erin Eubanks May 24, 2020 I Love this site Reply Erin Euanks May 24, 2020 I Love this site Reply Dan Nowell April 23, 2019 what about any RBC credit card linked to a Petro Points card? I save 3 cents per litre of fuel when I use my RBC card plus earn points toward saving an additional 5 cents per liter with a petro can fuel savings card Reply marpy December 23, 2021 if you have one close by, Costco gas is usually 5 to 10 cents a liter cheaper than Petro Canada and if you pick the right time, line ups are not a problem. On top of this, you get 2% off when using the Costco Credit card in a yearly rebate. Reply creditcardGenius Team April 24, 2019 Hi there Dan, thanks for reaching out. All RBC cards have this perk – it's not unique to any rewards program. Reply Hot Credit Card Deals See details Get even more cash back with exclusive offers only available on the GeniusCash app Apply Now Up to 90,000 100,000 bonus points + 4 free lounge passes per year + $125 GeniusCash Ends Dec 31, 2025   GC:  $125 Apply Now Earn up to 165,000 bonus points + First year annual fee rebate + $20 GeniusCash Ends Nov 30, 2025   GC:  $20 Apply Now 0% interest for 12 months with Canada's #1 balance transfer promotion + $20 GeniusCash Ends Nov 30, 2025   GC:  $20 Apply Now Exclusive Offer: Up to $480 cash back in the first year + Roadside Assistance + $150 GeniusCash Ends Dec 31, 2025   GC:  $150 Apply Now Up to 50,000 bonus points + No foreign exchange fees + $100 GeniusCash Ends Dec 31, 2025   GC:  $100 Apply Now Get $120 bonus cash back + no annual fee + $120 GeniusCash Ends Dec 31, 2025   GC:  $120 See all November deals Our Original Research Study: How Much Is Your Credit Card Insurance Worth? Study: What Is A Good Credit Score in Canada ‒ And Is It Good Enough To Be Approved? Study: What Are Your Credit Card Benefits Worth? Study: Credit Card Trends In Canada During COVID-19 Must Read Best Credit Cards in Canada for 2025 Tangerine Money Back Credit Card Review – A Top No Annual Fee Mastercard Best Credit Cards For Bad Credit In Canada For November 2025 Your Guide To Expedia For TD Amex Cobalt Review: Why It’s Been #1 For 8 Years In A Row Best Instant Approval Credit Cards In Canada What's The Best Rewards Program In Canada? How To Maximize The TD Rewards Points Program How To Maximize The CIBC Aventura Rewards Program Most Recent Air Canada’s Aeroplan Rewards Program Air Canada adds Helijet as New Aeroplan Partner What is Flexiti? Do You Lose Your Points If You Cancel Your Credit Card? $1,000 Christmas Giveaway Canada 2025 What’s important to you? 1 Cash Travel+ 1 Low Fees Insurance 1 Low Interest Perks 38 / 227 best cards Genius Search What's this? You'll also get our hot credit card tips, news, reviews, and exclusive offers directly to your inbox. Free Instant Access It only takes one click to unsubscribe so give it a try. About creditcardGenius creditcardGenius is a smart credit card matchmaker that compares 126+ features of 227+ credit cards, with objective ratings, rankings and reviews. Built in 2017, for Canadians by Canadians, creditcardGenius is trusted by more than 200,000 people every month, 50,000 newsletter subscribers, and 15M people since launch. Read more about creditcardGenius About creditcardGenius About creditcardGenius Team The creditcardGenius team of writers is dedicated to bringing factual, helpful, and thorough information to Canadian consumers. Each piece of content goes through a 3-step review process because quality is important to us. Read more about creditcardGenius Team About creditcardGenius Team Rating Methodology The most comprehensive credit card rating system in Canada. Featured In The Genius Is You. Get hot credit card tips, news, reviews, and exclusive offers directly to your inbox. Only legit stuff gets sent. And it only takes one click to unsubscribe - so give it a try. Have a second? Let us know how we can make your experience better. Resources Review Your Card Credit Card FAQ Sliders Credit Card Quiz Company About Careers Scholarship Disclosure Help Contact GeniusCash Report Bug   Privacy Policy | Terms | Security Province: Alberta British Columbia Manitoba New Brunswick Newfoundland and Labrador Nunavut Northwest Territories Nova Scotia Ontario Prince Edward Island Quebec Saskatchewan Yukon Copyright © 2025 WeyMedia Inc. 200 Champlain St. Suite 210, Dieppe, NB E1A 1P1 ◊ The creditcardGenius algorithm, based on our Rating Methodology , calculates an estimated dollar value for all rewards and bonuses by combining typical monthly spending with well-researched reward point value estimates . "Annual Rewards" is calculated by combining our default $2,000 in monthly spending ($24,000 annually) spread across 8 different spending categories (gas, groceries, travel, etc) with our point value estimates. "Welcome Bonus" is calculated by combining all one-time bonuses available to new cardholders within the first year with our point value estimates. To qualify for the full bonus you may need to make purchases, meet minimum spending requirements, or complete special actions. "Annual Interest Savings" is based on a credit card balance of $8,000 and a standard credit card interest rate of 19.99%. Annual Rewards, Welcome Bonus, and Annual Interest Savings values will change if the person adjusts their monthly spending away from the $2,000 monthly default or changes their reward preferences. *, † Terms and conditions apply. Your feedback matters What do you think of creditcardGenius? Needs work It's ok It's great! Disclosure creditcardGenius receives a referral fee for some credit cards listed; however, our comprehensive and math-based algorithm solely dictates the results of our rating system. Our ratings and rankings are strictly independent of compensation. Read our detailed disclosure about how CCG makes money. Never miss a deal Unlock VIP-access to exclusive GeniusCash deals, credit card offers, and the biggest money news. Bonus : Get our 250+ page money-saving eBook for free. We promise to keep your email safe. We hate spam too. Unlock my deals Glad we could help you choose the right credit card for you. Never Miss A Deal Want to get hot credit card news and offers directly to your inbox? Bonus : Get our free 250+ page eBook that will save you $1000s per year Keep Me Updated No thanks, I don’t want credit card deals. Glad we could help you choose the right credit card for you. Before you continue your application ... Never Miss A Deal Want to get hot credit card news and offers directly to your inbox? Bonus : Get our free 250+ page eBook that will save you $1000s per year Keep Me Updated No thanks, I don’t want credit card deals. Latest Updates $175 GeniusCash + 0.5% extra cash back Up to 100,000 welcome bonus points 4 free lounge passes worth up to $200 First-year annual fee waived * Air Canada’s Aeroplan Rewards Program Air Canada adds Helijet as New Aeroplan Partner What is Flexiti? $100 GeniusCash + Earn up to 15,000 Welcome Bonus Membership Rewards ® Points. *