Compare airline credit cards

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

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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.

Receive a $200 Annual Travel Credit that can be used towards any single travel booking of $200 or more charged through American Express Travel Online or through the Platinum Card Travel Service. Take advantage of the American Express Global Lounge Collection which unlocks access to over 1,200 airport lounges worldwide. Get complimentary hotel benefits averaging US$550 (based on a 2-night stay) including late check-out and daily breakfast for two.

Plus, as a Platinum cardholder, you'll be fast-tracked to elite status with leading hotel loyalty programs such as Marriot Bonvoy, Hilton Honors, Shangri-La Golden Circle and Radisson Rewards.

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 transferrable rewards points: American Express Gold Rewards Card

American Express Gold Rewards Card

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The American Express Gold Rewards Card lets you earn accelerated travel rewards points that can be used towards flights or transferred to frequent flyer and other loyalty programs. Earn 2 Membership Rewards points for every $1 spent on eligible gas station, grocery store, drug store and travel purchases and on eligible hotel and car rental bookings made with American Express Travel, and earn 1 Membership Reward point for every $1 spent on all other eligible purchases

As an added bonus, the card comes with a generous incentive for new cardmembers. Earn a Welcome Bonus of 25,000 Membership Rewards points when you spend at least $1,500 on eligible purchases within the first three months Card members also get access to a suite of travel benefits including insurance coverage. However, take note that this is a charge card, not a regular credit card, which means that you must pay off your balance fully each month or a penalty interest rate of 30% will be applied.

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 1 AIR MILE for every $10 spent on eligible purchases. To sweeten the deal, the card comes with an enticing signup bonus. Earn a bonus of up to 3,000 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. Get a 15% discount on all AIR MILES flights in North America with no blackout periods. Enjoy a free membership in Mastercard Airport Experiences provided by LoungeKey with exclusive VIP access, plus get two annual complimentary passes. Cardholders can also access free Trip Assistance Services for travel-related information and advice.

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 miles for every $1 spent on eligible grocery, gas, drugstore and aircanada.com purchases, and earn 1 mile for every $1 spent elsewhere. T&C's apply.

This card also comes with an attractive signup bonus for new cardholders. Get a Welcome Bonus of up to 30,000 Aeroplan Miles. Earn 15,000 Aeroplan Miles when you make your first purchase with your card and earn up to 5,000 Aeroplan Miles in each of the first three months when you spend a minimum of $1,000 per month (up to a total earn of 15,000 Aeroplan Miles). Plus, the annual fee is waived in the first year for the primary and 1st additional cardholder. Apply by May 31, 2020.

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. Earn 2% back in WestJet dollars on WestJet flights and vacation packages and 1.5% for everything else.This card also comes with a signup bonus. Get 250 welcome WestJet dollars plus an additional 100 WestJet dollars when you make your first purchase within 3 months of your account opening date. (Cardholders switching from another RBC credit card are not eligible to receive additional dollars.) Valid from November 4, 2019 to March 31, 2020. WestJet dollars can be redeemed for flights and vacation packages.

Best for Alaska Airlines: MBNA Alaska Airlines World Elite Mastercard

MBNA Alaska Airlines World Elite Mastercard
If you live in British Columbia or Alberta and find yourself travelling on Alaska Airlines frequently, the cobranded MBNA Alaska Airlines World Elite Mastercard can help you reap the rewards of being a frequent flyer. Earn 3 Miles for every $1 spent on tickets, vacation packages and cargo services from Alaska Airlines, and earn 1 Mile for every $1 spent on all other eligible purchases.Get 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 Purchase Interest Rate Cash Advance Rate Annual Fee Minimum Income Benefits with this card Description
BMO AIR MILES World Elite Mastercard
19.99%
22.99%
$0 annual fee for the first year ($120 thereafter)
$80,000
Get 1 AIR MILE for every $10 spent on eligible purchases.
Earn a bonus of up to 3,000 AIR MILES. Terms apply. Plus, get the annual fee of $120 waived in the first year.
American Express AIR MILES Platinum Credit Card
20.99%
22.99%
$120
N/A
Earn 1 AIR MILE for every $5 spent on eligible food, drink, gas and transit purchases (up to an annual spend of $30,000), and earn 1 AIR MILE for every $10 spent on all other eligible purchases (and after the $30,000 annual spend)
Earn a Welcome Bonus of 2,000 AIR MILES when you spend at least $1,500 in eligible purchases within the first three months.
Shell AIR MILES Mastercard from BMO
19.99%
22.99%
$0
$15,000
Get 2 AIR MILES for every $20 spent at participating AIR MILES Partners, and get 1 AIR MILE for every $20 spent on eligible purchases elsewhere.
Earn up to 800 AIR MILES Bonus Miles.
BMO Sobeys AIR MILES Mastercard
19.99%
22.99%
$0
$15,000
Get 2 AIR MILES for every $20 spent at Sobeys, Foodland and eligible AIR MILES partners, and get 1 AIR MILE for every $20 spent elsewhere.
Earn up to 800 AIR MILES Bonus Miles.
American Express AIR MILES for Business Card
N/A
N/A
$180
N/A
Earn 1 AIR MILE for every $10 spent at eligible AIR MILES Sponsors and 1 AIR MILE for every $15 spent elsewhere
Earn a Welcome Bonus of 2,000 AIR MILES when you spend at least $5,000 on eligible purchases within the first three months
Shell AIR MILES World Mastercard from BMO
19.99%
22.99%
$99
$60,000
Earn 1.25 AIR MILES reward miles at Shell stations in Canada and 1 mile per $15 spent for all other purchases.
Earn 1.25x Miles on card purchases at participating Shell stations in Canada and 1 mile per $15 spent for all other purchases.
BMO AIR MILES Mastercard For Students
19.99%
22.99%
$0
$15,000
Earn 2 AIR MILES for every $20 spent at eligible AIR MILES partners, and earn 1 AIR MILE for every $20 spent elsewhere.
Receive up to 800 AIR MILES Bonus Miles. Plus, get a 1.99% introductory interest rate on balance transfers for 9 months. A 1% fee applies to balance amounts transferred.
American Express AIR MILES Reserve Credit Card
20.99%
22.99%
$299
N/A
Earn 1 AIR MILE for every $10 spent on purchases at eligible stand-alone grocery stores, gas stations and drugs stores in Canada, as well as eligible AIR MILES partners, and earn 1 AIR MILE for every $15 spent on all other eligible purchases elsewhere
Earn a Welcome Bonus of 2,400 AIR MILES when you spend at least $3,000 in eligible purchases within the first three months.
BMO AIR MILES Mastercard
19.99%
22.99%
$0
$15,000
Get 2 AIR MILES for every $20 spent at eligible AIR MILES partners, and get 1 AIR MILE for every $20 spent elsewhere.
Earn up to 800 AIR MILES Bonus Miles. Plus, get a rate of 1.99% on balance transfers for 9 months. A 1% fee applies to transferred balances.
American Express AeroplanPlus Platinum Card
N/A
N/A
$499
N/A
Earn 1.25 Aeroplan Miles for every $1 spent up to the first $25,000 annual spend, and earn 1.5 Aeroplan Miles for every $1 spent over $25,000
Receive 40,000 bonus Aeroplan Miles after spending $3,000 in the first three months of card membership
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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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