What is the best points rewards credit card in Canada?

Rankings change over time. See the live list above, which is updated as offers and fees change. We evaluate annual fees, earn rates, welcome offers, insurance, and foreign fees.

How do points rewards credit cards work?

These cards earn rewards or benefits tailored to the category. Compare annual fees, base earn rate, boosted categories, and redemption flexibility before applying.

How do you score and rank cards?

We use a transparent scoring model that weighs rewards value, fees, APRs, insurance, and perks. See the Methodology section for details.

Best Points Rewards Credit Cards in Canada 2025

Compare 24 best points rewards cards from Canada's top banks in 2025

Points Rewards Credit Cards in Canada 2025

Compare the best points rewards credit cards available in Canada. Our comprehensive comparison includes cards from major banks like TD, RBC, BMO, CIBC, and Scotiabank, helping you find the perfect card for your needs.

Whether you're looking for rewards, low fees, or specific benefits, our detailed reviews and comparisons make it easy to find the right points rewards credit card for your lifestyle and spending habits.

Best Credit Cards in Canada

The Honest Canadian Rankings

BMO eclipse Visa Infinite Card

BMO

VISA

Annual Fee

$120.00

Purchase APR

21.99%

Foreign Fee

2.5%

🎁

Welcome Offer

Get up to $570 in value which includes up to 60,000 Bonus points, a $50 anniversary lifestyle credit, and no annual fee in your first year.

✨

Key Benefits

•Visa
•bmo Rewards
•$120annual fee
•21.99% for purchases
•23.99% for cash advances(21.99% for Quebec residents)
•BMO eclipse Visa Infinite Card
•Welcome offer: Get up to $570 in value which includes up to 60,000 Bonus points, a $50 anniversary lifestyle credit, and no annual fee in your first year.
•for purchases
•for cash advances
•for Quebec residents
•Minimum $60,000.00 (individual) or $100,000.00 (household) annual income required ORMinimum $15,000.00 declared current annual spend

Card Features

Travel RewardsBmo RewardsPoints RewardsPremiumVisa Infinite

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BMO Ascend World Elite Mastercard

BMO

MASTERCARD

Annual Fee

$150.00

Purchase APR

21.99%

Foreign Fee

2.5%

🎁

Welcome Offer

Get up to 90,000 points and the annual fee waived in the first year for both the primary cardholder and authorized users.

✨

Key Benefits

•bmo Rewards
•Travel
•$150annual fee
•21.99% for purchases
•23.99% for cash advances(21.99% for Quebec residents)
•Welcome offer: Get up to 90,000 points and the annual fee waived in the first year for both the primary cardholder and authorized users.
•for purchases
•for cash advances
•for Quebec residents
•Minimum $80,000.00 (individual) or $150,000.00 (household) annual income required

Card Features

Points RewardsBmo RewardsTravel RewardsPremiumWorld Elite

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CIBC Aventura Gold Visa Card

CIBC

VISA

Annual Fee

$139.00

Purchase APR

21.99%

Foreign Fee

2.5%

🎁

Welcome Offer

Join and get up to $1,800 in value!.

✨

Key Benefits

•2 points per $1 on travel booked through the CIBC Rewards Centre
•1.5 points per $1 on eligible gas, electric vehicle charging, grocery and drugstore purchases
•Lounge access | NEXUS fee rebate

Card Features

Points RewardsGold TierTravel RewardsAventura

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CIBC Aventura Visa Infinite Card

CIBC

VISA

Annual Fee

$139.00

Purchase APR

21.99%

Foreign Fee

2.5%

🎁

Welcome Offer

Join and get over $1,800 in value!.

✨

Key Benefits

•2 points per $1 on travel booked through the CIBC Rewards Centre
•1.5 points per $1 on eligible gas, electric vehicle charging, grocery and drugstore purchases
•Lounge access | NEXUS application fee rebate | Visa concierge service

Card Features

PremiumAventuraTravel RewardsPoints RewardsVisa Infinite

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BMO eclipse Visa Infinite Privilege Card

BMO

VISA

Annual Fee

$599.00

Purchase APR

21.99%

Foreign Fee

2.5%

🎁

Welcome Offer

You deserve to be rewarded! Get up to 120,000 points.

✨

Key Benefits

•Visa
•bmo Rewards
•$599annual fee
•21.99% for purchases
•23.99% for cash advances(21.99% for Quebec residents)
•Welcome offer: You deserve to be rewarded! Get up to 120,000 points.
•for purchases
•for cash advances
•for Quebec residents
•Minimum $150,000.00 (individual) or $200,000.00 (household) annual income required

Card Features

Travel RewardsBmo RewardsPoints RewardsPremium FeePremiumVisa Infinite PrivilegeUltra Premium

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CIBC Aventura Visa Card for Business Plus

CIBC

VISA

Annual Fee

$120.00

Purchase APR

19.99%

Foreign Fee

2.5%

🎁

Welcome Offer

Join and get over $1,800 in value.

✨

Key Benefits

•2 points per $1 on travel booked through the CIBC Rewards Centre
•1.5 points per $1 on eligible gas, electric vehicle charging and travel purchases
•Transfer Aventura points between accounts

Card Features

AventuraTravel RewardsPoints RewardsSmall Business

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CIBC Aventura Visa Card for Business

CIBC

VISA

Annual Fee

$180.00

Purchase APR

12.99%

Foreign Fee

2.5%

🎁

Welcome Offer

Join and get over $1,800 in value.

✨

Key Benefits

•2 points per $1 on travel booked through the CIBC Rewards Centre
•1.5 points per $1 on eligible gas, electric vehicle charging, flights, hotels and other travel
•Transfer Aventura points between accounts

Card Features

AventuraTravel RewardsPoints RewardsSmall Business

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CIBC Adapta Mastercard for Students

CIBC

MASTERCARD

Annual Fee

$0.00

Purchase APR

21.99%

Foreign Fee

2.5%

🎁

Welcome Offer

Join and get up to $100 in value with no annual fee.

✨

Key Benefits

•1.5 Adapta points per $1 spent in your top 3 spend categories
•1 Adapta point per $1 on all other purchases
•Includes membership to roadside assistance, with access to services such as towing, battery boosting, gas delivery and much more.

Card Features

StudentAdaptaPoints RewardsFlexible RewardsNo Fee

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RBC ION Visa

RBC

VISA

Annual Fee

$0.00

Purchase APR

20.99%

Foreign Fee

2.5%

🎁

Welcome Offer

Special Offer

✨

Key Benefits

•Special Offer
•Get 7,000 Avion welcome points upon approval^ - that’s $50 of value in gift cards†! Apply by November 4, 2025
•Earn 1.5X Avion points for every $1 spent on groceries, rides, gas, streaming, subscriptions, digital gaming and more.1
•No annual fee
•RBC ION Visa
•Annual Fee:
•Second Card:
•Purchase Rate:
•Cash Advance Rate:

Card Features

IonPoints Rewards

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moi RBC Visa

RBC

VISA

Annual Fee

$0.00

Purchase APR

20.99%

Foreign Fee

2.5%

🎁

Welcome Offer

Special Offer

✨

Key Benefits

•Special Offer
•Get up to 5,000 bonus Moi points1 (a value of $40^) with the moi RBC Visa credit cardGet 3,000 welcome Moi points upon your first purchase1Get 2,000 bonus Moi points when you spend $500 in the first three months on your card1
•Get 3,000 welcome Moi points upon your first purchase1
•Get 2,000 bonus Moi points when you spend $500 in the first three months on your card1
•Apply by January 20, 2026
•moi RBC Visa
•Annual Fee:
•Second Card:
•Purchase Rate:
•Cash Advance Rate:

Card Features

Moi RewardsPoints Rewards

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TD Rewards Visa Card

TD Bank

VISA

Annual Fee

$50.00

Purchase APR

21.99%

Foreign Fee

2.5%

🎁

Welcome Offer

Earn a value of $50 in TD Rewards Points to use on eligible Amazon.ca purchases plus, no Annual Fee. Conditions Apply.

✨

Key Benefits

•Earn a value of $50 in TD Rewards Points to use on eligible Amazon.ca purchases plus, no Annual Fee. Conditions Apply.
•$0 Annual Fee
•21.99% Interest: Purchases
•22.99% Interest: Cash Advances

Card Features

Points RewardsGeneral

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RBC ION+ Visa

RBC

VISA

Annual Fee

$48.00

Purchase APR

20.99%

Foreign Fee

2.5%

🎁

Welcome Offer

Special Offer

✨

Key Benefits

•Special Offer
•Get 14,000 Avion welcome points upon approval^ - that’s $100 of value in gift cards†! Apply by November 4, 2025.
•Earn 3X Avion points for every $1 spent on groceries, gas, dining, food delivery, rides, streaming, subscriptions, digital gaming and more.1
•$4 charged monthly (low Annual Fee of $48)2
•Annual Fee rebated every month for students with eligible accounts.9
•RBC ION+ Visa
•Annual Fee:
•Second Card:
•Purchase Rate:
•Cash Advance Rate:

Card Features

Points RewardsIon Plus

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RBC Visa Classic Low Rate Option

RBC

VISA

Annual Fee

$20.00

Purchase APR

12.99%

Foreign Fee

2.5%

🎁

Welcome Offer

Limited Time Offer

✨

Key Benefits

•Limited Time Offer
•Low interest rate on purchases and cash advances
•Low annual fee
•Purchase security and extended warranty insurance**
•RBC Visa Classic Low Rate Option
•Annual Fee:
•Second Card:
•Purchase Rate:
•Cash Advance Rate:

Card Features

Low InterestPoints RewardsIon

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Scotiabank American Express Card

Scotiabank

AMEX

Annual Fee

$0.00

Purchase APR

19.99%

Foreign Fee

2.5%

🎁

Welcome Offer

Earn up to 7,500 bonus Scene+ points within your first 3 months (that’s up to $75 towards travel).

✨

Key Benefits

•TRAVEL AND LIFESTYLE
•Earn up to 7,500 bonus Scene+ points within your first 3 months (that’s up to $75 towards travel).
•Earn 3 Scene+ points on every $1 you spend at Sobeys, Safeway, FreshCo, Foodland and more.
•Annual fee: $0
•Interest rates: 19.99% purchases / 22.99% cash advances

Card Features

Points RewardsAmexAmex RewardsNo FeeGrocery Rewards

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Scotiabank Scene+ Visa Card

Scotiabank

VISA

Annual Fee

$0.00

Purchase APR

20.99%

Foreign Fee

2.5%

🎁

Welcome Offer

Earn up to 5,000 bonus Scene+ points within your first 3 months.

✨

Key Benefits

•Earn up to 5,000 bonus Scene+ points within your first 3 months.
•Earn 2 Scene+ points on every $1 you spend at Sobeys, Safeway, Foodland & Participating Co-ops, FreshCo and more.
•Earn 2 Scene+ points on every $1 you spend at Home Hardware.
•Annual fee: $0
•Interest rates: 20.99% purchases / 22.99% cash advances

Card Features

Scene PlusPoints RewardsEntertainment RewardsNo FeeGrocery Rewards

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Scotiabank Scene+ Visa Card (for students)

Scotiabank

VISA

Annual Fee

$0.00

Purchase APR

20.99%

Foreign Fee

2.5%

🎁

Welcome Offer

Earn up to 5,000 bonus Scene+ points within your first 3 months.

✨

Key Benefits

•Earn up to 5,000 bonus Scene+ points within your first 3 months.
•Earn 2 Scene+ pointson every $1 you spend at Sobeys, Safeway, Foodland & Participating Co-ops, FreshCo and more.
•Earn 2 Scene+ points on every $1 you spend at Home Hardware.
•Annual fee: $0
•Interest rates: 20.99% purchases / 22.99% cash advances

Card Features

Scene PlusPoints RewardsEntertainment RewardsStudentNo FeeGrocery Rewards

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CIBC Adapta Mastercard

CIBC

MASTERCARD

Annual Fee

$0.00

Purchase APR

21.99%

Foreign Fee

2.5%

✨

Key Benefits

•1.5 Adapta points per $1 spent in your top 3 spend categories
•1 Adapta point per $1 on all other purchases
•Includes membership to roadside assistance, with access to services such as towing, battery boosting, gas delivery and much more

Card Features

AdaptaPoints RewardsFlexible RewardsNo Fee

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CIBC Aventura Visa Card

CIBC

VISA

Annual Fee

$0.00

Purchase APR

21.99%

Foreign Fee

2.5%

🎁

Welcome Offer

Earn up to 12,500 Aventura Points for no annual fee.

✨

Key Benefits

•1 point per $1 on travel booked through the CIBC Rewards Centre
•1 point per $1 on eligible gas, electric vehicle charging, grocery and drugstore purchases
•Book travel with personalized assistance

Card Features

AventuraTravel RewardsPoints RewardsNo Fee

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CIBC Aventura Visa Card for Students

CIBC

VISA

Annual Fee

$0.00

Purchase APR

21.99%

Foreign Fee

2.5%

🎁

Welcome Offer

Earn up to 12,500 Aventura Points for no annual fee.

✨

Key Benefits

•1 point per $1 on travel booked through the CIBC Rewards Centre
•1 point per $1 on eligible gas, electric vehicle charging, grocery and drugstore purchases
•Free SPC+ membership | CIBC Pace It Installment Plans

Card Features

StudentAventuraTravel RewardsPoints RewardsNo Fee

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Scotiabank American Express Card (for students)

Scotiabank

AMEX

Annual Fee

$0.00

Purchase APR

19.99%

Foreign Fee

2.5%

🎁

Welcome Offer

Earn up to 7,500 bonus Scene+ points within your first 3 months (that’s up to $75 towards travel).

✨

Key Benefits

•Earn up to 7,500 bonus Scene+ points within your first 3 months (that’s up to $75 towards travel).
•Earn 3 Scene+ points on every $1 you spend at Sobeys, Safeway, FreshCo, Foodland and more.
•Annual fee: $0
•Interest rates: 19.99% purchases / 22.99% cash advances

Card Features

Amex RewardsPoints RewardsStudentAmexNo FeeGrocery Rewards

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CIBC Aventura Visa Infinite Privilege Card

CIBC

VISA

Annual Fee

$499.00

Purchase APR

21.99%

Foreign Fee

2.5%

🎁

Welcome Offer

Join and get over $2,450 in value.

✨

Key Benefits

•3 points per $1 on travel booked through the CIBC Rewards Centre
•2 points on eligible dining, transportation, gas, electric vehicle charging and groceries
•Annual travel credit | Lounge access | NEXUS fee rebate and more

Card Features

Travel RewardsAventuraUltra PremiumPremiumPoints RewardsVisa Infinite PrivilegePremium Fee

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CIBC U.S. Dollar Aventura Gold Visa Card

CIBC

VISA

Annual Fee

$35.00

Purchase APR

21.99%

Foreign Fee

2.5%

✨

Key Benefits

•1 point per $1 on travel booked through the CIBC Rewards Centre
•1 point for every $2 spent on all other purchases
•No currency conversion fees for USD purchases

Card Features

AventuraTravel RewardsPoints RewardsLow FeeGold TierForeign CurrencyUsd Card

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Scotiabank Gold American Express Card

Scotiabank

AMEX

Annual Fee

$120.00

Purchase APR

20.99%

Foreign Fee

2.5%

🎁

Welcome Offer

Earn up to $1,050 in welcome offers, first year rewards and savings value, including no annual fee in your first year, and up to 50,000 bonus Scene+ points.

✨

Key Benefits

•TRAVEL AND LIFESTYLE
•Earn up to $1,050 in welcome offers, first year rewards and savings value, including no annual fee in your first year, and up to 50,000 bonus Scene+ points.
•Earn 6 Scene+ points on every $1 CAD you spend in Canada at Sobeys, Safeway, FreshCo, Foodland and more.
•Annual fee: $120
•Interest rates: 20.99% purchases / 22.99% cash advances

Card Features

Amex RewardsPoints RewardsPremiumAmexGold TierGrocery Rewards

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Scotiabank Platinum American Express Card

Scotiabank

AMEX

Annual Fee

$399.00

Purchase APR

9.99%

Foreign Fee

2.5%

🎁

Welcome Offer

Earn up to $2,500 in value in the first 14 months, including up to 80,000 bonus Scene+ points.

✨

Key Benefits

•TRAVEL AND LIFESTYLE
•Earn up to $2,500 in value in the first 14 months, including up to 80,000 bonus Scene+ points.
•Earn 2X the Scene+ points for every $1 you spend.
•Annual fee: $399
•Interest rates: 9.99% purchases / 9.99% cash advances

Card Features

Amex RewardsPoints RewardsPremiumAmexPremium FeePlatinum Tier

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