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Compare cards with flight and travel credits

Get companion flights and travel rewards by using your credit card.

Name Product Welcome Offer Rewards Purchase Interest Rate Annual Fee Min. Credit Score Description
American Express Cobalt Card
50,000 points
Up to 5x points per $1 spent
20.99%
$155.88
Min. recommended credit score: 700
Earn up to 50,000 Membership Rewards points in your first year. Earn 2,500 Membership Rewards points for each monthly billing period in which you spend $500 in net purchases on your card (up to 30,000 points). Plus, earn a Welcome Bonus of 20,000 Membership Rewards points when you spend a total of $3,000 in purchases on your Card in your first 3 months of Cardmembership.
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.
American Express Aeroplan Card
40,000 points
Up to 2x points
30% annual interest rate applies to balances not paid in full each month
$120
Min. recommended credit score: 700
Earn up to a total of 40,000 welcome bonus Aeroplan points and a bonus Buddy Pass. New Cardmembers can earn up to $1,200 in value within the first year.
American Express Aeroplan Reserve Card
90,000 points
Up to 3x points
19.99%
$599
Min. recommended credit score: 700
Earn up to a total of 90,000 welcome bonus Aeroplan points and a bonus Buddy Pass. New Cardmembers can earn up to $3,000 in value within your first year. Plus, receive up to $100 in statement credits every four years when a NEXUS application or renewal fee is charged to your card.
American Express Aeroplan Business Reserve Card
90,000 points
Up to 3x points
16.99%
$599
Min. recommended credit score: 700
Earn up to 90,000 Aeroplan points and a bonus Buddy Pass.
Marriott Bonvoy American Express Card
70,000 points
Up to 5x points per $1 spent
19.99%
$120
Min. recommended credit score: 700
Earn 70,000 Marriott Bonvoy points after you charge $1,500 in purchases to your card in your first 3 months. Plus, earn 5 points for every $1 spent on eligible travel & gas purchases in Canada for your first 3 months (up to 15,000 points). Subject to change at any time.
The Platinum Card from American Express
100,000 points
Up to 3x points per $1 spent
N/A
$699
Min. recommended credit score: 700
Earn up to 100,000 Membership Rewards points. Earn 80,000 Welcome Bonus points after you charge $6,000 in net purchases to your card in your first 3 months. Plus, earn 20,000 points when you make a purchase between 14 and 17 months of cardmembership.
Marriott Bonvoy Business American Express Card
85,000 points
Up to 5 points per $1 spent
19.99%
$150
Min. recommended credit score: 700
Earn a Welcome Bonus of up to 85,000 Marriott Bonvoy points. Plus, earn 5 points for every $1 spent on eligible gas, dining & travel (excluding lodging) for the first 3 months.
National Bank Platinum Mastercard
15,000 Points
1 point per $1 spend
20.99%
$0 annual fee for the first year ($89 thereafter)
Min. recommended credit score: 740
Get 15,000 reward points when you spend at least $3,000 in net purchases within the first three months. Plus, get the annual fee waived for the first year. Apply by December 20, 2021.
National Bank World Mastercard
15,000 Points
Up to 2 points
20.99%
$0 annual fee for the first year ($115 thereafter)
Min. recommended credit score: 740
Get 15,000 reward points when you spend at least $3,000 in net purchases within the first three months. Plus, get the annual fee waived for the first year. Apply by December 20, 2021.
American Express AIR MILES Reserve Credit Card
2,400 Miles
Up to 1 Mile per $10 spend
20.99%
$299
Min. recommended credit score: 700
Earn a welcome bonus of 2,400 AIR MILES Bonus Miles when you charge a total of $3,000 in purchases to your Card within your first 3 months of Cardmembership. That's enough for two select flights.
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Some credit cards offer companion certificates or travel credits that you can use to pay for flights or incidental airline charges. You can offset the cost of the card’s annual fee by taking advantage of perks offered by travel credit cards.

How can I get a companion certificate or travel credit?

This depends on the card, and they usually have these perks listed in the terms and conditions. You can also call to find out how your card distributes companion certificates or travel credits. Possible ways include:

  • An annual benefit. Many credit cards give you up until 12 months or the end of the calendar year to redeem travel credits. That means these benefits can’t be rolled over to be used the next year.
  • An earned perk. In some cases, you have to meet a spending requirement, usually thousands of dollars a year, before you can use your flight or travel credit.
  • By request. You may have to request a companion certificate before you can use it. This could take time, so make sure you make your request before the certificate expires.
  • To use with an eligible travel partner. Read the fine print to see if your travel credit or companion certificate is limited to a specific airline.

Will redeeming a companion certificate cost me?

Yes. You’re responsible for paying taxes and fees — usually under $100. Check with the airline you’re booking with to get the exact cost for your ticket.

What other features do these cards offer?

  • Rewards points or frequent flyer miles. Most credit cards that offer companion certificates or travel credits also earn points per $1 spent on eligible purchases. Redeem these for flights, hotels, car rentals, online shopping and gift cards.
  • Airport lounge access. Premium credit cards could also offer you airport lounge access to provide extra comfort during your trip.
  • Travel insurance. This perk can help you save on travel insurance for your trip. You usually have to pay the entire trip with the card to qualify for travel insurance through the credit card. Check your credit card’s insurance policy for full details on how to activate it and what it covers.
  • Purchase protection. Many of these credit cards offer insurance for items you buy with the card. Coverage can range from protection against accidental damage, theft or loss to extended warranties and price guarantees.
  • No foreign transaction fees. Non-travel cards come with fees up to 3% of each transaction made abroad.
  • Save on checked bags. This perk can save you up to $30 on your first checked bag on a one-way flight. Some travel cards even extend it to others traveling on your reservation.
  • Welcome offer. Some cards offer welcome offers worth hundreds of dollars. Typically you earn one by meeting certain purchase requirements. Once you receive the offer, you can usually redeem it for flights or other travel rewards.

Get the details on travel credit cards

How much do these cards cost?

The rates and fees for these credit cards play a huge part in their value. To work out if one will offer you top dollar for your money there are some key details to consider:

  • Annual fee. Ideally, look for a card that has an annual fee worth the same amount as your companion certificate or travel credit so they cancel each other out. If that’s not the case, make sure the card’s other benefits are worth more than what you’re paying for the annual fee.
  • Purchase interest rate. Cards that offer companion certificates or travel credit usually have higher standard variable purchase rates than other credit card options. Make sure you pay your balance on time to avoid your card costing more than it’s worth.
  • Cash advances. If you use your credit card to get cash out, buy foreign cash, gamble or make any other cash advance transactions, you’ll likely be charged a cash advance fee worth up to 5% of the transaction.

Which cards offer deals for travel companions?

There are several options to consider when exploring cards with discounts or free flights for people accompanying you on trips. These include:

  • TD Aeroplan Visa Infinite Privilege Card. Purchase 2 Business Class tickets (Flexible fare), and get your companion’s ticket discounted by 50%. This reward is available once a year and only applies to specific booking classes.

Bottom line

The value of companion certificates or travel credits vary based on the flights or travel you choose. Other perks could add value, but general travel cards could better suit your travel style.

Start by comparing options based on your spending habits and what you want to get out of the card. Remember to check the eligibility requirements and conditions around the voucher before you apply.

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