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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 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 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 May 30, 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. Every WestJet dollar is equivalent to $1 Canadian dollar that counts towards travel with WestJet. You’ll 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 packagesThis 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
American Express Aeroplan Card
15,000 points
Up to 2x points per $1 spent
30% annual interest rate applies to balances not paid in full each month
$120
Min. recommended credit score: 700
Earn up to 15,000 Welcome Bonus Aeroplan points and a bonus Buddy Pass as a new cardmember.
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
65,000 points
Up to 3x points
19.99%
$599
Min. recommended credit score: 700
Earn up to 65,000 Welcome Bonus Aeroplan points and a $100 Statement Credit as a new cardmember.
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).
Shell AIR MILES World Mastercard from BMO
Up to 1.25x Air Miles
1 Mile for every $15 spent
19.99%
$99
Min. recommended credit score: 760
Get 1.25x Miles on card purchases at Shell locations in Canada.
American Express Aeroplan Business Reserve Card
65,000 points
Up to 3 points per $1 spent
16.99%
$599
Min. recommended credit score: 700
Earn up to 65,000 Welcome Bonus Aeroplan points and a $100 Statement Credit as a new cardmember.
BMO Air Miles Business Mastercard
3,000 Miles
1 Mile for every $10 spent
19.99%
$120
Min. recommended credit score: 650
Get up to 3,000 AIR MILES Bonus Miles ($310 towards your purchases with AIR MILES Cash).
BMO IGA AIR MILES Mastercard
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 AIR MILES World Elite Mastercard
2,000 Miles
1 Mile for every $12 spent
20.99%
$0 annual fee for the first year ($120 thereafter)
Min. recommended credit score: 760
Earn a bonus of up to 2,000 AIR MILES. Terms apply. Plus, get the annual fee of $120 waived in the first year.
BMO AIR MILES Mastercard
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). Get a rate of 1.99% on balance transfers for 9 months. A 1% fee applies to transferred balances.
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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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