Best Travel Rewards Credit Cards

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Are you looking for a travel credit card? If so, the selection can be overwhelming. For starters, some cards offer general travel rewards. Others offer airline miles or hotel points. What’s more, some credit cards offer different added perks to sweeten the pot. To help you choose the best credit card, the expert credit card team at LendingArch has compiled information about travel credit cards, how to pick one, and which are the best on the market today. To learn more about this, read on.

Quickly navigate through the Best Travel Rewards Credit Cards

American Express Aeroplan Plus Card
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American Express® AeroplanPlus®* Platinum Card

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Annual Fee $499
Purchase Interest Rate ---
Sign Up Bonus40,000 Welcome Bonus Aeroplan Miles after spending $3,000 in the first three months of Cardmembership.
Rewards Earning Rate 0
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On American Express® AeroplanPlus®* Platinum Card server website

How do Travel Rewards Credit Cards Work?

Travel credit cards provide cardholders with an opportunity to pay for some or all of their next vacation – using credit card rewards.

How you redeem your travel rewards can vary depending on the type of rewards credit card you have and its particular rewards program.

It’s critical to know which type of travel card you prefer before applying for one. Take a look at the two main types of travel rewards cards: general and co-branded.

General Travel Rewards Cards

This type of travel card allows you to redeem your rewards for a variety of travel purchases. It’s not tied to any specific airline or hotel brand, so you get more flexibility with your redemptions.

That said, these cards don’t usually offer special airline or hotel perks that you get with specific branded cards.

Co-branded Travel Rewards Cards

Credit card companies issue these cards in partnership with a travel brand, such as a particular airline or hotel chain. You typically earn miles or points with that brand’s loyalty program and are often restricted to redeeming your points for free flights or hotel stays with that specific brand only.

To compensate for the lack of flexibility, some of these cards offer extra perks like priority boarding or room upgrades when you use the card.

Who Should Get a Travel Rewards Card?

Travel credit cards aren’t for everyone, particularly as they often come with high annual fees. To help you understand if a travel card is right for you, here are three questions to ask yourself.

1. Can I Handle an Annual Fee?

The best travel credit cards in Canada typically charge annual fees, and some of them are higher than you may be comfortable with. Of course, many of these cards offer enough rewards and benefits that it can be worth paying this fee in order to hold onto them. But, if you don’t think you’ll use the card enough or you don’t plan to travel in the near future, you may want to pass on a travel rewards card.

2. Would I Use the Perks?

Some of the best travel credit cards offer valuable perks that can help defray the costs of your vacations and trips. As you review different travel credit cards, consider your current travel habits and your future plans. Then ask yourself whether you can envision using the card’s benefits over the long-run.

3. Do I Spend Enough?

Some travel credit cards require that you spend hundreds – if not thousands  – of dollars a month to qualify for their sign-up bonuses and other benefits. Plus, if the card has an annual fee, you’ll want to make sure you’re not spending more in fees than you’re getting back in rewards and other perks.

In other words, if you’re not a big spender, you may be better off with a cash-back credit card.

How to Choose the Best Travel Card for You

The best travel credit cards in Canada all offer stellar perks. But there’s no one best option for everyone. To determine the best one for you, consider your travel goals and other preferences.

For example, if you’re loyal to one airline or hotel chain and don’t want to change that, it might make sense to get a co-branded credit card that allows you to earn miles or points with that company’s specific loyalty program. On the other hand, if you want more flexibility and aren’t interested in staying loyal to one hotel chain or airline, a general travel card may be better fit for you.

Once you decide on the right type of travel rewards card for you, compare different cards to see what the rewards programs and fees look like. Consider your preferences and pick the card that suits you best.

The Best Travel Credit Cards in Canada

The credit card team at LendingArch has put together a list of the best travel credit cards that you should consider applying for. As you review the terms and benefits of each card, keep your goals and travel habits in mind.


The best travel credit cards not only make it easy to travel for free but also to travel in style.

For more information on these and other travel credit cards, check out the LendingArch credit card page. Once you’re there, you can review and compare several cards at once to see which one best suits your needs.

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