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MBNA Rewards MasterCard®
MBNA Rewards MasterCard® image
Annual fee $0
Rewards rate 1 Point per $1 spent
Bonus offer 5,000 Bonus points
Card details
Network
MasterCard
Provider
MBNA
Fees and interest
Annual fee
$0
Purchase interest rate
19.99%
Cash advance rate
24.99%
Balance transfer rate
0%
21.99% after 6 months
Card description
  • Get MBNA Rewards for your purchases and redeem them for your passions, including travel, merchandise, or even cash back.
  • Earn 1 MBNA Rewards point‡ for every $1 in eligible purchases
  • Receive 5,000 bonus MBNA Rewards points after your first eligible purchase††. That's equivalent to $50 when redeemed for cash back or travel
  • Redeem points‡ for cash back, travel, brand-name merchandise, gift cards from top retailers and charitable donations
  • 0% annual interest rate(AIR)† on balance transfers* for the first 6 months
  • No annual fee
Features
  • Extended Warranty
  • Purchase Protection
  • Rental Car Insurance
  • Travel Benefits
MBNA Rewards World Elite® MasterCard®
MBNA Rewards World Elite® MasterCard® image
Annual fee $89
Rewards rate 2 Points per $1 spent
Bonus offer 10,000 Bonus points
Card details
Network
MasterCard
Provider
MBNA
Fees and interest
Annual fee
$89
Purchase interest rate
19.99%
Cash advance rate
24.99%
Balance transfer rate
21.99%
Card description
  • Get all the features of the MBNA Rewards card with more earning potential
  • Earn 2 MBNA Rewards points for every $1 in eligible purchases‡
  • Get 10,000 bonus points after your first eligible purchase††
  • No limit to the points that can be earned in a year, points don’t expire
  • Redeem points for cash back, travel, brand-name merchandise, gift cards from top retailers and charitable donations
  • Enjoy price protection** and concierge services**
  • Take advantage of a credit card that rewards you for who you are. Apply below for the MBNA Rewards World Elite® MasterCard® credit card
Features
  • Extended Warranty
  • First Year Annual Fee Waived
  • Price Protection
  • Purchase Protection
  • Rental Car Insurance
  • Travel Benefits
BMO AIR MILES MasterCard
BMO AIR MILES MasterCard image
Annual fee $0
Rewards rate 1 Air Miles reward mile per $20 spent
Bonus offer 500 Bonus Air Miles
Card details
Network
MasterCard
Provider
BMO Bank of Montreal
Fees and interest
Annual fee
$0
Purchase interest rate
19.99%
Cash advance rate
22.99%
Balance transfer rate
22.99%
Card description
  • Welcome Offer: Get 500 AIR MILES Bonus Miles*
  • Earn 1 AIR MILES reward mile for every $20 that you spend on your credit card*
  • No annual fee*
  • Use your BMO MasterCard and AIR MILES Collector Card at AIR MILES sponsored locations to earn 2x reward miles
  • Get up to 25% off rentals at National Car Rental and Alamo Rent A Car*
  • FREE additional cards
  • Extended Warranty*
  • Purchase Protection*
  • 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
Features
  • Extended Warranty
  • Free Supplementary Card
  • Purchase Protection
  • Rental Car Discounts
  • Travel Benefits
BMO AIR MILES World Elite MasterCard
BMO AIR MILES World Elite MasterCard image
Annual fee $120
Rewards rate 1 Air Miles reward mile per $10 spent
Bonus offer 2,000 Bonus Air Miles
Card details
Network
MasterCard
Provider
BMO Bank of Montreal
Fees and interest
Annual fee
$120
Purchase interest rate
19.99%
Cash advance rate
22.99%
Balance transfer rate
22.99%
Card description
  • Limited time: Get 2,000 AIR MILES Bonus Miles. That's enough for two short-haul flights!*
  • Minimum 80K individual or 150K household income 
  • Earn 1 AIR MILES reward mile for every $10 you spend on your credit card*
  • Exclusive 25% Flight Discount on all AIR MILES flights in North America with no blackout periods*
  • Exclusive access to VIP Airport Lounges worldwide (over $150 US/year value)*
  • BMO AIR MILES World Elite Travel and Medical Protection*
  • Complimentary Roadside Assistance Program*
  • FREE additional cards
  • Extended Warranty*
  • Purchase Protection*
  • BMO Concierge Service*
  • 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
Features
  • 24/7 Customer Service
  • Airport Lounge Access
  • Extended Warranty
  • Flight Discounts
  • Free Supplementary Card
  • Purchase Protection
  • Rental Car Discounts
  • Roadside Assistance Program
  • Travel Benefits
The Starwood Preferred Guest Credit Card from American Express
The Starwood Preferred Guest Credit Card from American Express image
Annual fee $120
Rewards rate 1 Starpoint per $1 spent
Bonus offer 20,000 Bonus Starpoints
Card details
Network
American Express
Provider
American Express
Fees and interest
Annual fee
$120
Purchase interest rate
19.99%
Cash advance rate
21.99%
*provided you make your minimum monthly payments on time
Balance transfer rate
21.99%
*provided you make your minimum monthly payments on time
Card description
  • New Starwood Preferred Guest Credit Card from American Express Cardmembers, earn 20,000 bonus Starpoints® after you charge $1,500 in purchases to your Card in your first three months of Cardmembership
  • Earn 1 Starpoint for every $1 in purchases charged to the Card
  • Enjoy a Free Weekend Night Award when you reach $40,000 in purchases each year
  • Experience Starwood Gold Preferred Guest status when you reach $30,000 in purchases each year
  • Redeem Starpoints for Free Nights with no blackout dates at over 1,200 of the world's most desired hotels in nearly 100 countries
  • Use Starpoints for flights on over 150 airlines with no blackout dates with SPG Flights
  • Experience once-in-a-lifetime events with SPG Moments
  • American Express Invites™ opens the door to great music, theatre, dining, film, fashion and shopping experiences. Be among the first to know, and among the first to go!
  • Add a Supplementary Card and the first year’s annual fee is on us. That’s a value of $50.
  • You can use Apple Pay on your eligible device to pay for goods and services at participating American Express contactless merchants
  • Annual interest rate 19.99% on purchases and 21.99% on funds advances
  • 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.
  • Conditions apply
Features
  • 24/7 Customer Service
  • Entertainment Benefits
  • Extended Warranty
  • Purchase Protection
  • Rental Car Insurance
  • Travel Benefits
Scotiabank®* Gold American Express® Card
Get a FREE $75 Gift Card Upon Approval!
Scotiabank®* Gold American Express® Card image
Annual fee $99 $0 for the first year
Rewards rate 4 Scotia Rewards points per $1 spent on eligible purchases
Bonus offer 30,000 Bonus Scotia Rewards points (after your first purchase)
Card details
Network
American Express
Provider
Scotiabank
Fees and interest
Annual fee
$99
$0 for the first year
Purchase interest rate
19.99%
Cash advance rate
22.99%
Balance transfer rate
22.99%
Free gift card offer

Get a FREE $75 gift card upon approval from LowestRates.ca!

Card description
  • First year annual fee is waived for accounts opened by July 31, 2017
  • Earn 30,000 Scotia Rewards bonus points after you spend $750 in everyday purchases within the first three months - worth $300 in travel. For accounts opened by July 31, 2017.
  • Earn 4x Scotia Rewards points for every $1 you spend at gas stations, grocery stores, on dining and entertainment
  • Earn one point on all other eligible purchases
  • Extraordinary travel benefits
  • Flexible Point Redemption
  • Use your points to purchase travel online or over the phone through our full-service travel agency. Or book your own travel using your card and go online to redeem points for the purchase.
  • Receive discounts and other special offers on hotels, airfare, car rentals, cruises and vacation packages.
  • Complimentary Concierge Services
  • Access to Priority Pass Lounges worldwide
American Express Gold Rewards Card
American Express Gold Rewards Card image
Annual fee $0 $150 after the first year
Rewards rate 2 Points per $1 spent
Bonus offer 25,000 Membership Rewards points
Card details
Network
American Express
Provider
American Express
Fees and interest
Annual fee
$0
$150 after the first year
Purchase interest rate
30%
Cash advance rate
N/A
Balance transfer rate
N/A
Card description
  • New American Express® Gold Rewards* Cardmembers can earn a Welcome Bonus of 25,000 Membership Rewards® points just by making $1,500 in purchases in the first three months of Cardmembership. That’s enough to redeem for a round-trip Fixed Mileage Flight Reward TM* to almost anywhere in North America.
  • No Annual Fee for the first year; $150 Annual Fee thereafter*
  • Earn 2 points for every $1 on eligible travel and everyday purchases
  • Charge any travel to your Card then pay for it with points. Your points can even cover taxes and fees!
  • Transfer your points to frequent flyer programs, including Avios and Aeroplan®*
  • 1 Free Supplementary Gold Rewards Card (a $50 value*) to help you earn points faster
  • You can use Apple Pay on your eligible device to pay for goods and services at participating American Express contactless merchants
  • 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.
  • *As a Charge Card, the balance must always be paid in full each month. 30% annual interest rate applies to balances not paid in full.
  • Conditions apply
Features
  • 24/7 Customer Service
  • American Express Hotel Collection
  • Entertainment Benefits
  • Extended Warranty
  • Free Supplementary Card
  • Purchase Protection
  • Rental Car Discounts
  • Rental Car Insurance
  • Travel Insurance
Blue Sky Credit Card
Blue Sky Credit Card image
Annual fee $0
Rewards rate 1.25 Blue Sky points per $1 spent
Bonus offer 10,000 Blue Sky points
Card details
Network
American Express
Provider
American Express
Fees and interest
Annual fee
$0
Purchase interest rate
19.99%
Cash advance rate
N/A
Balance transfer rate
N/A
Card description
  • New Blue Sky Credit Card Cardmembers, earn 10,000 Blue Sky® Points after you charge $500 in purchases to your Card in your first three months of Cardmembership
  • Earn 1.25 Blue Sky Points for every $1 in purchases charged to the Card
  • You can start redeeming with as little as 10,000 points towards any travel purchase charged to your Card
  • Enjoy the convenience of no blackout dates, no advance purchase requirements, no seat restrictions and no travel restrictions.
  • $100,000 Travel Accident Insurance
  • You can use Apple Pay on your eligible device to pay for goods and services at participating American Express contactless merchants
  • 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.
  • Conditions Apply.
Features
  • 24/7 Customer Service
  • Entertainment Benefits
  • Travel Insurance
American Express AeroplanPlus Gold Card
American Express AeroplanPlus Gold Card image
Annual fee $120
Rewards rate 1 Aeroplan Mile per $1 spent
Bonus offer 15,000 Aeroplan Miles
Card details
Network
American Express
Provider
American Express
Fees and interest
Annual fee
$120
Purchase interest rate
30%
Cash advance rate
N/A
Balance transfer rate
N/A
Card description
  • New American Express AeroplanPlus Gold Cardmembers, earn 15,000 Bonus Aeroplan®* Miles after you spend $1,500 in your first three months of Cardmembership
  • Earn 1 Aeroplan Mile for every $1 in Card purchases up to $10,000
  • Accelerate your earn rate to 1.25 Aeroplan Miles for every additional $1 in Card purchases over $10,000 annually
  • Earn Aeroplan Miles faster with two free Supplementary Cards – a $100 value ($50 for each additional Supplementary Card*)
  • Travel to more than 1,000 destinations in more than 175 countries worldwide with Air Canada and Star Alliance Member Airlines™**
  • In addition to flights, you can also redeem for hotel stays, car rentals, vacation packages, experiential rewards, merchandise and more
  • You can use Apple Pay on your eligible device to pay for goods and services at participating American Express contactless merchants
  • 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. Offer subject to change without notice.
  • *As a Charge Card, the balance must always be paid in full each month. 30% annual interest rate applies to balances not paid in full.
  • Conditions apply
Features
  • 24/7 Customer Service
  • Entertainment Benefits
  • Extended Warranty
  • Purchase Protection
  • Travel Insurance
American Express AeroplanPlus Platinum Card
American Express AeroplanPlus Platinum Card image
Annual fee $499
Rewards rate 1.25 Aeroplan Miles per $1 spent
Bonus offer 40,000 Aeroplan Miles
Card details
Network
American Express
Provider
American Express
Fees and interest
Annual fee
$499
Purchase interest rate
30%
Cash advance rate
N/A
Balance transfer rate
N/A
Card description
  • Earn 40,000 Bonus Aeroplan®* Miles after you spend $3,000 in your first three months of Card membership
  • Earn 1.25 miles for every dollar in purchases you charge to the Card, up to $25,000
  • Accelerate your earn rate to 1.5 miles for every dollar in purchases over $25,000 annually
  • Enjoy a 2-for-1 short-haul flight reward when you redeem 15,000 Aeroplan Miles, with the Partner Ticket benefit
  • Access to Air Canada Maple Leaf™ Lounges & Arrivals Lounges
  • $199 annually for AeroplanPlus Supplementary Platinum Cards; $50 annually for AeroplanPlus Supplementary Gold cards*
  • Breeze through airports lines with Air Canada Priority Check-in
  • Avoid the line-ups at security by accessing the Pearson Priority Security Lane located at the departure level of Terminal at Toronto Pearson International Airport during peak airport operating hours
  • Let yourself be spoiled with access to the Fairmont President's Platinum Club membership when you enroll and stay any 5 nights in the same calendar year – enjoy one complimentary night, room upgrades and $100 USD in Fairmont dining certificates and more
  • Relax in over 700 lounges worldwide, including Air Canada Maple Leaf™* Lounge access in airports across Canada, in London and in Paris, and around the globe with Complimentary Priority Pass Membership
  • Go confidently with coverage that's as broad as your horizons, including Car Rental Theft and Damage Insurance, Emergency Medical Insurance (out of province/country), and much more.
  • You can use Apple Pay on your eligible device to pay for goods and services at participating American Express contactless merchants
  • *As a Charge Card, the balance must always be paid in full each month. 30% annual interest rate applies to balances not paid in full.
  • 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.
  • Conditions apply
Features
  • 24/7 Customer Service
  • Airport Lounge Access
  • Entertainment Benefits
  • Extended Warranty
  • Hotel Discounts
  • Priority Check In
  • Purchase Protection
  • Rental Car Insurance
  • Travel Insurance
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Points rewards credit cards

 

Want to earn while you spend? Points rewards credit cards let you do just that. Every dollar you spend with these cards earns you points that you can redeem at participating outlets, including retailers, auto dealerships, cinemas, and charities. Compare all the best points rewards credit cards right here.

About points rewards

 

Points rewards credit cards are popular among Canadians — and for good reason. With a good points rewards card, you can earn points toward the items or services that you're going to get the most use out of or enjoy the most. Many cards also give you bonus points when you sign up, which means you get a big stash of points rewards right away.

And tracking all of your rewards points is easy. In most cases, your points rewards are held in a special account that you can sign into online. From there, you can watch your points grow as you continue to use your credit card, and, when you're ready to put all those points to use, redeem them for your rewards.

Comparing points rewards credit cards

 

Comparing points rewards cards isn't always easy. After all, different cards earn points at different rates. You also have to remember that, generally, the higher the rewards rate, the higher the annual fee on the card. So when you're looking for the card that'll give you the best value, first consider how much you'll spend each year on your rewards card. Even a rough estimate will help you determine which card will be the best deal.

Check out our table below to see the different kinds of points rewards cards we offer.

StudentAwards MBNA Rewards MasterCard credit card
Rewards
  • Points for charitable donations, travel, brand-name merchandise, cash back, and retailer gift cards.
Interest rate
19.99%
Annual fee
$0
Sign-up bonus
Not available.
Scotiabank American Express® Card
Rewards
  • 1 Scotia point for every $1 spent
  • 2 Scotia points for every $1 spent on groceries, gas, dining, and entertainment.
Interest rate
19.99%
Annual fee
$39
Sign-up bonus
5,000 Scotia points after your first purchase.
The Platinum Card® from American Express®
Rewards
  • 1.25 Membership Rewards points for every $1 spent, plus lots of other cool benefits and perks.
Interest rate
30.00%
Annual fee
$699
Sign-up bonus
50,000 sign-up points after your first $1,000 in purchases.

Compare points rewards credit cards today

 

At LowestRates.ca, we do the homework so you don't have to. No matter what kind of points rewards program you're interested in, you can find the right credit card here, anytime and from anywhere.

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