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Compare airline credit cards

If you're a frequent traveller, you can earn points or miles towards flights and upgrades.

Some of the biggest airlines in Canada, such as WestJet, have cobranded credit cards. While not every airline in Canada has a cobranded credit card, there are plenty of general travel cards out there that are suitable for every type of traveller. To help you determine which card is right for you, we’ve compared some airline credit cards below.

How we chose the best airline credit cards

We’ve chosen the cards on this page based on the providers available through Finder. These cards are not representative of the entire market. We’ve narrowed down our top picks by considering rewards points, annual fees, introductory offers and additional card benefits.

No single airline credit card will be the best choice for everyone, so compare your options before picking your new card.

Best for earning points and travel rewards: The Platinum Card from American Express

The Platinum Card from American Express

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The Platinum Card from American Express is an engraved metal charge card with a hefty annual fee of $699 – but the benefits can far outweigh the costs. Note that this is a charge card, not a regular credit card, so you must pay off the balance in full every month or a 30% interest rate will apply.Earn 2 points for every $1 in Card purchases on eligible travel. Plus, enjoy complimentary access to airport lounges worldwide.

Membership Rewards

You can transfer points to select airline and hotel partners with Amex’s Membership Rewards. Amex has an edge in international airline partners, which makes it the favourite in our book. But look at the lists of partners for yourself and see what works for you.

Best for earning Air Miles: BMO AIR MILES World Elite Mastercard

BMO AIR MILES World Elite Mastercard

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The BMO AIR MILES World Elite Mastercard lets you earn accelerated AIR MILES that can be redeemed for travel perks and merchandise. Get 3x the Miles for every $12 spent at participating AIR MILES Reward Partners. Plus, get 1 AIR MILE for every $12 spent on eligible purchases. To sweeten the deal, the card comes with an enticing signup bonus. Earn a bonus of up to 2,000 AIR MILES. Terms apply. Plus, get the annual fee of $120 waived in the first year.

Cardholders also get a range of complimentary travel benefits including travel insurance coverage. Complimentary membership in Mastercard Airport Experiences provided by LoungeKey, with exclusive VIP access

Please note: All information about TD Aeroplan Visa Infinite Card has been collected independently by Finder and this card is not available through this site.

Best for flying with Air Canada: TD Aeroplan Visa Infinite Card

TD Aeroplan Visa Infinite Card

The TD Aeroplan Visa Infinite Card is great if you’re an Aeroplan member and fly frequently with Air Canada. Earn 1.5 points for every $1 you spend on gas, groceries and Air Canada purchases, as well as 1 point on everything else. T&C's apply.

This card also comes with an attractive signup bonus for new cardholders. Earn 20,000 Aeroplan points and get a Bonus Buddy Pass. Conditions Apply. Apply by August 16, 2021.

Best for flying WestJet: WestJet RBC World Elite Mastercard

WestJet RBC World Elite Mastercard
If you fly WestJet often, the WestJet RBC World Elite Mastercard can reward you with airline specific perks. Get 1.5% back in WestJet dollars on everyday purchases and 2% back on WestJet flights or vacations. You can use these dollars to purchase WestJet flights and vacation packages.This card also comes with a signup bonus. offers a $350 WestJet Dollar welcome bonus on your first purchase. Additionally, for a limited time, earn 2x the WestJet dollars when you spend on grocery, restaurants and food delivery in the first three months.

Best for Alaska Airlines: Alaska Airlines World Elite Mastercard

Alaska Airlines World Elite Mastercard
If you live in British Columbia or Alberta and find yourself travelling on Alaska Airlines frequently, the cobranded Alaska Airlines World Elite Mastercard can help you reap the rewards of being a frequent flyer. Cash in on an extra 30,000 miles when you spend over $1,000 on your card in the first 90 daysGet a bonus of up to 30,000 points when you spend at least $1,000 on eligible purchases within the first three months.

Compare airline credit cards

Some airlines offer cobranded credit cards with airline-specific perks. If you fly with different carriers, you might like a general travel card instead that offers Air Miles, Aeroplan Miles or rewards points that can be used toward flights and travel experiences.

Name Product Welcome Offer Rewards Purchase Interest Rate Annual Fee Min. Credit Score Description
HSBC +Rewards™ Mastercard®
20,000 Points
2x points per $1 spent
11.9%
$0 annual fee for the first year ($25 thereafter)
Min. recommended credit score: 630
Get 20,000 Points (up to $100 in value), plus get a 1st year annual fee waiver. Apply by September 27, 2021.
American Express Cobalt Card
30,000 points
Up to 5 points per $1 spent
19.99%
$120
Min. recommended credit score: 700
Earn up to 30,000 bonus Membership Rewards points in your first year as a new Cobalt Cardmember.
BMO World Elite Mastercard
30,000 points
Up to 3 points per $1 spent
20.99%
$0 annual fee for the first year ($150 thereafter)
Min. recommended credit score: 760
Get up to 30,000 points and the $150 annual fee waived in the first year. Apply by October 31, 2021
American Express Aeroplan Card
75,000 points
Up to 5x points
30% annual interest rate applies to balances not paid in full each month
$120
Min. recommended credit score: 700
Earn up to 75,000 Aeroplan Points. Plus, earn a total of 5X the points on eligible eats & drinks purchases in Canada for the first 6 months of Cardmembership (up to a maximum of 25,000 points). New Cardmembers can earn up to $1,600 in value within the first year. Spend applies to bonus point offers valued at up to $1,500. Apply by August 3, 2021.
American Express Business Edge Card
57,000 points
Up to 3 points per $1 spent
19.99%
$99
Min. recommended credit score: 700
Earn up to 57,000 Membership Rewards points in your first year.
American Express AIR MILES Platinum Credit Card
2,000 Miles
Up to 1 Air Mile per $5 - $10 spent
20.99%
$120
Min. recommended credit score: 700
Earn a Welcome Bonus of 2,000 AIR MILES within the first three months. That’s enough to redeem for $200 towards your purchases with AIR MILES Cash.
American Express Aeroplan Reserve Card
150,000 points
Up to 10x points
19.99%
$599
Min. recommended credit score: 700
Earn up to 150,000 Aeroplan Points. Plus, earn a total of 10X the points on eligible eats & drinks purchases in Canada for the first 6 months of Cardmembership (up to a maximum of 50,000 points.) New Cardmembers can earn up to $3,800 in value within the first year. Spend applies to bonus point offers valued at up to $3,000. Apply by August 3, 2021. Spend at least $10,000 in qualifying net purchases by November 30, 2021 and you’ll earn, step up, or jump start your Aeroplan Elite Status. Apply by October 1, 2021.
Shell AIR MILES Mastercard from BMO
800 Miles
Up to 3x Air Miles for every $25 spent
19.99%
$0
Min. recommended credit score: 660
Get 800 AIR MILES Bonus Miles (enough for $80 towards purchases with AIR MILES Cash).
BMO eclipse Visa Infinite Privilege
50,000 points
5 points per $1 spent
20.99%
$499
Min. recommended credit score: 760
Get up to 50,000 welcome points in your first year.
HSBC World Elite® Mastercard®
70,000 Points
Up to 6 points per $1 spent
19.9%
$0 annual fee for the first year ($149 thereafter)
Min. recommended credit score: 650
Get a Welcome Bonus of 20,000 Points ($100 travel rewards). Plus, earn an additional 50,000 Points and get a 1st year annual fee waiver. Apply by September 27, 2021.
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How to choose the best airline credit card to meet your needs

  • Decide if you want a general or cobranded card.
    • A general card can be effective if you fly with different airlines. Depending on the provider, you may be able to transfer your points or miles to partner airlines. This gives you a lot of flexibility that you wouldn’t get with a cobranded card.
    • If you’re loyal to a certain airline and they offer a card, you might like a cobranded card. You probably shouldn’t get the card for its rewards, as you’ll often find stronger points or miles from a general card. However, the cobranded credit card might offer airline-specific perks such as priority boarding, free checked baggage and access to the airline’s lounges.
  • Think about how much you want to pay.
    • Airline credit cards usually have an annual fee. Fees tend to range from $79 to $120 annually.
    • If you’re looking for a general travel credit card, it’s possible to find a no annual fee card. That said, the best travel credit cards typically have annual fees as high as $700, although some will be more reasonably priced at $150 annually.
  • Apply for the card.
    • Before applying, be sure you meet the eligibility requirements.
    • You’ll need information like your full name, contact details, Social Insurance Number (SIN), date of birth, annual income and employment information.
  • Wait for your card.
    • Many credit card providers will give you a decision on your application immediately. If a provider needs to review your application manually, it may take a few days to a few weeks to hear back.
    • If you’re approved, look for your card in the mail within seven to ten days.

Bottom line

If you want to earn flexible points or miles on flights, consider a general travel credit card. If you’re loyal to a certain airline and they offer a card, you might prefer to choose a cobranded card.

Not sure if an airline credit card is right for you? Check out our guide to travel credit cards for more options.

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