Best Travel Credit Cards in Canada for August 2026

For the Toronto everyday spender ($30,000/year, pays in full); spend mix is applied consistently to every card, we estimate $948 in annual rewards before fees and $828 in ongoing net value after quantified costs and benefits.

The downside: $120 annual fee; actual value depends on your spending and redemption choices

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• 6x Participating Sobeys-family grocery stores
• 5x Other groceries, dining and entertainment
• 3x Gas, transit and select streaming
• 1x Other purchases

• Earn 6 Scene+ points at participating Sobeys-family grocers, 5 on other groceries, dining and entertainment, 3 on gas, transit and select streaming, and 1 on other purchases.
• Scotiabank issuer annual-fee disclosure: $120
• Availability: AB, BC, MB, NB, NL, NS, NT, NU, ON, PE, QC, SK, YT

For the Toronto everyday spender ($30,000/year, pays in full); spend mix is applied consistently to every card, we estimate $654 in annual rewards before fees and $611 in ongoing net value after quantified costs and benefits.

The downside: $139 annual fee; actual value depends on your spending and redemption choices

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• 8x Travel booked through Expedia for TD (via our travel portal)
• 6x Groceries, dining and public transit
• 4x Recurring bills and streaming
• 2x Other purchases

• Earn 8 TD Rewards points through Expedia for TD, 6 on groceries, dining and public transit, 4 on recurring bills and streaming, and 2 on other purchases.
• TD Bank issuer annual-fee disclosure: $139
• Availability: AB, BC, MB, NB, NL, NS, NT, NU, ON, PE, QC, SK, YT

For the Toronto everyday spender ($30,000/year, pays in full); spend mix is applied consistently to every card, we estimate $1116 in annual rewards before fees and $849 in ongoing net value after quantified costs and benefits.

The downside: $192 annual fee; actual value depends on your spending and redemption choices

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• 5x Travel Groceries Gas General merchandise. Membership Rewards® program.

• Travel Groceries Gas General merchandise
• Membership Rewards® program.
• FCAC annual-fee disclosure: First card: $191.88 Second card: No fee
• Availability: AB, BC, MB, NB, NL, NS, NT, NU, ON, PE, QC, SK, YT

For the Toronto everyday spender ($30,000/year, pays in full); spend mix is applied consistently to every card, we estimate $786 in annual rewards before fees and $611 in ongoing net value after quantified costs and benefits.

The downside: $100 annual fee; actual value depends on your spending and redemption choices

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• 4% Cash back Travel Groceries Gas General merchandise. Up to 4% cash back on purchases: 4% for groceries, 3% for restaurants, entertainment and alternative transportation, and 1% for all other purchases. The account is automatically credited when it accumulates $100 cash back. Conditions apply.

• Cash back Travel Groceries Gas General merchandise
• Up to 4% cash back on purchases: 4% for groceries, 3% for restaurants, entertainment and alternative transportation, and 1% for all other purchases. The account is automatically credited when it accumulates $100 cash back. Conditions apply.
• FCAC annual-fee disclosure: First card: $100.00 Second card: $30.00
• Availability: AB, BC, MB, NB, NL, NS, NT, NU, ON, PE, QC, SK, YT

For the Toronto everyday spender ($30,000/year, pays in full); spend mix is applied consistently to every card, we estimate $510 in annual rewards before fees and $450 in ongoing net value after quantified costs and benefits.

The downside: $150 annual fee; actual value depends on your spending and redemption choices

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• 3x Participating Sobeys-family grocery stores
• 2x Other groceries, dining, entertainment and daily transit
• 1x Other purchases

• Earn 3 Scene+ points at participating Sobeys-family grocers, 2 points on other groceries, dining, entertainment and daily transit, and 1 point on other purchases.
• Scotiabank issuer annual-fee disclosure: $150
• Availability: AB, BC, MB, NB, NL, NS, NT, NU, ON, PE, QC, SK, YT

For the Toronto everyday spender ($30,000/year, pays in full); spend mix is applied consistently to every card, we estimate $563 in annual rewards before fees and $488 in ongoing net value after quantified costs and benefits.

The downside: Actual value depends on your spending and redemption choices

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• 3% Earn 1.5%-3% cash back, depending on card tier, purchase currency and eligible Rogers services.

• Earn 1.5%-3% cash back, depending on card tier, purchase currency and eligible Rogers services.
• Rogers Bank issuer annual-fee disclosure: $0
• Availability: AB, BC, MB, NB, NL, NS, NT, NU, ON, PE, QC, SK, YT

For the Toronto everyday spender ($30,000/year, pays in full); spend mix is applied consistently to every card, we estimate $600 in annual rewards before fees and $405 in ongoing net value after quantified costs and benefits.

The downside: $495 annual fee; actual value depends on your spending and redemption choices

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• 2% Earn 2% cash back on eligible purchases globally, with no foreign transaction fee.

• Earn 2% cash back on eligible purchases globally, with no foreign transaction fee.
• Rogers Bank issuer annual-fee disclosure: $495
• Availability: AB, BC, MB, NB, NL, NS, NT, NU, ON, PE, QC, SK, YT

For the Toronto everyday spender ($30,000/year, pays in full); spend mix is applied consistently to every card, we estimate $684 in annual rewards before fees and $520 in ongoing net value after quantified costs and benefits.

The downside: $89 annual fee; actual value depends on your spending and redemption choices

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• 6x Cash back Travel Groceries General merchandise. Earn TD Reward Points on all the things you normally do, whether you use your Card for groceries, dining, paying bills, public transit, streaming services or booking travel. The rewards will add up quickly so you can enhance your travel experience or enjoy a wide variety of rewards.

• Cash back Travel Groceries General merchandise
• Earn TD Reward Points on all the things you normally do, whether you use your Card for groceries, dining, paying bills, public transit, streaming services or booking travel. The rewards will add up quickly so you can enhance your travel experience or enjoy a wide variety of rewards.
• FCAC annual-fee disclosure: First card: $89.00 Second card: $35.00
• Availability: AB, BC, MB, NB, NL, NS, NT, NU, ON, PE, SK, YT

For the Toronto everyday spender ($30,000/year, pays in full); spend mix is applied consistently to every card, we estimate $600 in annual rewards before fees and $360 in ongoing net value after quantified costs and benefits.

The downside: $240 annual fee; actual value depends on your spending and redemption choices

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• 2% Earn 2% cash back on eligible purchases.

• Earn 2% cash back on eligible purchases.
• Wealthsimple issuer annual-fee disclosure: $240 per year ($20 monthly outside Quebec); waived for eligible clients
• Availability: AB, BC, MB, NB, NL, NS, NT, NU, ON, PE, QC, SK, YT

For the Toronto everyday spender ($30,000/year, pays in full); spend mix is applied consistently to every card, we estimate $600 in annual rewards before fees and $360 in ongoing net value after quantified costs and benefits.

The downside: $240 annual fee; actual value depends on your spending and redemption choices

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• 2% Earn 2% cash back on eligible purchases.

• Earn 2% cash back on eligible purchases.
• Wealthsimple issuer annual-fee disclosure: $240 per year ($20 monthly outside Quebec); waived for eligible clients
• Availability: AB, BC, MB, NB, NL, NS, NT, NU, ON, PE, QC, SK, YT

For the Toronto everyday spender ($30,000/year, pays in full); spend mix is applied consistently to every card, we estimate $890 in annual rewards before fees and $420 in ongoing net value after quantified costs and benefits.

The downside: $395 annual fee; actual value depends on your spending and redemption choices

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• 4% Cash back Travel Groceries Gas General merchandise. Up to 4% of purchases redeemed for BONUSDOLLARS rewards: 4% for restaurants, entertainment and alternative transportation, 3% for groceries and travel and 1.75% for all other purchases. Accumulated BONUSDOLLARS can be redeemed for cash back on the account or in eligible categories (travel, alternative transportation, restaurants, entertainment, donations, gift cards, Desjardins financial products and services). Conditions apply.

• Cash back Travel Groceries Gas General merchandise
• Up to 4% of purchases redeemed for BONUSDOLLARS rewards: 4% for restaurants, entertainment and alternative transportation, 3% for groceries and travel and 1.75% for all other purchases. Accumulated BONUSDOLLARS can be redeemed for cash back on the account or in eligible categories (travel, alternative transportation, restaurants, entertainment, donations, gift cards, Desjardins financial products and services). Conditions apply.
• FCAC annual-fee disclosure: First card: $395.00 Second card: $95.00
• Availability: AB, BC, MB, NB, NL, NS, NT, NU, ON, PE, QC, SK, YT

For the Toronto everyday spender ($30,000/year, pays in full); spend mix is applied consistently to every card, we estimate $672 in annual rewards before fees and $477 in ongoing net value after quantified costs and benefits.

The downside: $120 annual fee; actual value depends on your spending and redemption choices

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• 5x Travel General merchandise. Earn 5 Marriott Bonvoy™ points for every dollar in eligible Card purchases at participating Marriott Bonvoy properties. Earn 2 points for every dollar in all other Card purchases. *Terms Apply

• Travel General merchandise
• Earn 5 Marriott Bonvoy™ points for every dollar in eligible Card purchases at participating Marriott Bonvoy properties. Earn 2 points for every dollar in all other Card purchases. *Terms Apply
• FCAC annual-fee disclosure: First card: $120.00 Second card: No fee
• Availability: AB, BC, MB, NB, NL, NS, NT, NU, ON, PE, QC, SK, YT