Compare the best points rewards credit cards in Canada. Cheers to that.

 

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TD® Aeroplan® Visa Infinite* Card

This offer is not available for residents of Quebec. †Terms and conditions apply..

Annual fee $139 First year annual fee rebate
Rewards rate 1 - 1.5 Aeroplan Points for every $1 spent on eligible purchases
Bonus offer Up to 55,000 Aeroplan points and first year no annual fee. Must apply online by May 28, 2023.
Purchase interest rate 20.99%
Balance transfer interest rate 22.99%
Cash advance interest rate 22.99%

American Express Cobalt® Card

Annual fee $155.88 ($12.99 /month)
Rewards rate 5 Points per $1 spent on eligible eats and drinks, including groceries and food delivery
Bonus offer 30,000 Membership Rewards points
Purchase interest rate 20.99%
Balance transfer interest rate N/A
Cash advance interest rate 21.99% *provided you make your minimum monthly payments on time

Scotiabank®* Gold American Express® Card

Annual fee $120 $0 for the first year
Rewards rate 5 Scotia Rewards points per $1 spent on eligible purchases
Bonus offer Up to 45,000 Bonus Scotia Scene + points (up to $450 towards travel) and first year annual fee waived
Purchase interest rate 20.99%
Balance transfer interest rate 22.99%
Cash advance interest rate 22.99%

Focus On

Comparing 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.

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.

Card

StudentAwards MBNA Rewards MasterCard credit card.Scotiabank American Express® CardThe Platinum Card® from American Express®.

Rewards

1 MBNA Rewards point on every $1 spent.

Redeem points for cash back, travel, merchandise, gift cards, retailers, or donate them.

1 Scotia point for every $1 spent.

Earn 3 points for every $1 spent on eligible dining experiences, 2 points for every $1 on eligible travel purchases, 1 point on all other purchases.

Lots of other cool benefits and perks.

Interest rate

19.99%

19.99%

30.00%

Annual Fee

$0

$0

$699

Sign-up bonus

Not available.

5,000 bonus Scotia points.

100,000 bonus Membership Rewards points.

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Your points rewards credit card questions, answered.

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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.

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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