Canada’s best travel credit cards 2020 + MORE Jan 3rd

Finding the right credit card could save you hundreds, if not thousands, of dollars a year. Whether you’re looking for lower fees, more rewards or simply valuable perks like travel medical insurance or rental car savings, every dollar counts. If you use your credit card wisely, pay off your balance monthly and find the right rewards program for you, you’re sure to come out ahead. There’s a slew of credit card options out there, and it can be challenging to find the best deal—but MoneySense is here to help. We’ve highlighted the best credit cards in 11 different categories so that you can zero in on the ones that fit your spending habits, and offer features you truly value. Remember, this ranking is only a starting point; the final decision is up to you. 
The best credit cards in Canada 2020

American Express Cobalt and Scotiabank Gold American Express— Best travel rewards cards for everyday spending
TD First Class Travel Visa Infinite Card — Best Visa travel card
Scotia Momentum Visa Infinite — Best cash back card
Tangerine Money-Back Credit Card — Best no fee cash back card
Rogers World Elite — Best for no foreign transaction fees
MBNA True Line Gold — Best low interest card
MBNA True Line Mastercard — Best balance transfer card
BMO CashBack Mastercard — Best student credit card
Marriott Bonvoy American Express — Best hotel card
PC Financial World Elite — Best store or retail card
American Express Platinum — Best card for premium perks
How do credit cards work? —A quick walk-through
What’s the best credit card for me? — How to decide
Credit card points versus cash back — What to consider before applying
More on the best credit cards — View a complete list of top cards by category
Our methodology — For greater insight into our rankings

Best travel rewards card for everyday spending
American Express Cobalt*
With a high earn rate, generous welcome bonus and easy-to-use Points, the American Express Cobalt Card is our top pick as the best travel credit card for everyday spending…

It is a good idea to evaluate and review your life insurance coverage once a year.

Changes in your lifestyle, family, and income can affect the coverage you need.
Once a year, re-read your policy to determine whether your current coverage is adequate to meet all your needs. You should consult your insurance broker if any of the following have occurred or will be occurring:

Change in marital status.
The birth or expected birth of a child.
Significant increase or decrease in income.
Employment status.
If you plan on becoming self-employed.
Any move outside your current province or country.

Please call our toll free number 1-866-369-4474 to discuss your insurance needs with one of our qualified representatives.
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With a good travel credit card in your name, going on a trip can suddenly become affordable. And, you can get even more value if you sign up for the right travel credit card—one that doesn’t just focus on points, but also has perks such as lounge access, amazing insurance coverage and the flexibility to transfer points between cards.
The card you choose should be based on the type of travel you enjoy, where you spend the most money and which additional travel benefits fit your lifestyle. To help you pick the perfect card, we’ve come up with a list of Canada’s best travel credit cards.
The best travel credit cards in Canada 2020

American Express Cobalt and Scotiabank Gold American Express — Best travel credit cards for everyday spending
TD First Class Visa Infinite Card — Best Visa travel card
BMO World Elite Mastercard — Best Mastercard
Scotiabank Passport Visa Infinite Card — Best travel points card for no foreign transaction fees
MBNA Rewards Platinum Plus Mastercard — Best no fee travel card
Marriott Bonvoy American Express — Best card for hotels
National Bank World Elite Mastercard — Best card for travel insurance
Canada’s best travel credit cards – Net annual rewards
More on the best credit cards — View a full list of top cards by category
Our methodology — For greater insight into our rankings

Best travel rewards credit cards for everyday spending
American Express Cobalt*

With an incredible earn rate of five Points per dollar spent on eats and drinks, the American Express Cobalt card is a winner for those who eat out—and the dining category is quite generous as it includes grocery stores, restaurants, bars and even food delivery services…

Term insurance is likely the better choice for most people. A 40-year-old male non-smoker can expect to pay between $45 and $50 per month.