The most effective journey bank cards in Canada for 2024

The most effective journey bank cards in Canada mix sturdy earn charges with perks like lounge entry, no international transaction charges and journey insurance coverage protection. Finally, you’ll need to select a card based mostly in your journey and spending habits, in addition to the journey perks that suit your life-style. We’ve compiled this record that will help you get began.

Greatest general journey rewards bank card

At a look: With excellent earn charges in broadly-defined, fashionable spending classes, the American Specific Cobalt card is a journey rewards beast. Factors are simple to redeem and versatile, and you’ll improve their worth by transferring them to different journey loyalty applications. It comes with a complete insurance coverage package deal, so that you journey carefree.

featured

American Specific Cobalt

go to website

• Annual charge: $156
• Earn fee: 5 factors per $1 spent on eating and groceries; 2 factors per $1 spent on transit and fuel; and 1 level per $1 spent on all different purchases
• Welcome supply: You’ll be able to earn 1,250 factors for every month you spend $750, as much as a most of 15,000 factors.
• Annual earnings requirement: None

go to website

Professionals

• At 5 factors per greenback spent on eats and drinks, 3 factors per greenback on streaming companies, and a couple of factors per greenback on journey and transit, this card has a number of the highest earn charges round. Plus, the excessive earn fee on meals and groceries is capped at $2,500 per thirty days, and no limits are utilized to different classes.
• The boosted spend classes are very broadly outlined so that you’ll earn extra factors for extra of your purchases. For instance, “eats and drinks”  consists of every thing from grocery shops to espresso outlets to meals supply, and every thing from fuel to rideshares to flights falls underneath “journey and transit”.
• Amex factors are versatile and profitable. Redeem factors the straightforward approach at a flat fee of 10,000 factors for $10 in the direction of any journey expense—or, in the event you’re a savvy factors collector—enhance your level values by utilizing Amex’s Mounted Level chart or transferring factors to a different program like Aeroplan.

Cons

• Though American Specific is accepted at tens of hundreds of companies throughout the nation, it’s not as extensively accepted as Visa or Mastercard.
• The annual charge is charged month-to-month which barely obscures the truth that the overall is $155.88 per 12 months, a bit greater than the $120 charged by some comparable playing cards.
• The journey insurance coverage package deal lacks Journey Cancellation safety which covers you in case of a sudden sickness.

Honourable point out

At a look: With a decrease annual charge and no international alternate charges, the Scotiabank Gold American Specific offers the Amex Cobalt a run for its cash. You’ll get pleasure from sturdy earn charges, simple and versatile redemptions, and probably the greatest journey insurance coverage packages available on the market. Frequent prospects of Sobeys-affiliated shops like Safeway, FreshCo and Thriftys will particularly respect the additional factors enhance on grocery purchases there.

featured

Scotiabank Gold American Specific

go to website

• Annual charge: $120
• Earn charges: 6 factors per $1 spent at Sobeys-affiliated shops; 5 factors per $1 on eating, leisure and groceries; 3 factors per $1 on fuel, transit and streaming; 1 level per $1 on every thing else
• Welcome supply: You’ll be able to earn as much as $650 in worth within the first 12 months, together with as much as 40,000 bonus Scene+ factors. Should apply by July 1, 2024.
• Annual earnings requirement: $12,000

go to website

Professionals

• With 5 factors per greenback on leisure, eating places, meals supply and groceries (plus an additional level at Sobeys shops).
• Redemptions are easy and tremendous versatile–particularly for journey the place 10,000 factors is the same as $10 in worth on any airline. The truth is, you possibly can apply factors for journey purchases retroactively for as much as one 12 months by making use of them in your app or on-line. 
• There are not any international alternate charges while you use this card to pay in a international foreign money (most playing cards cost 2.5% on all international foreign money purchases).
• The cardboard’s journey insurance coverage package deal is superb and consists of as much as 25 days of journey emergency medical for these underneath the age of 65.

Cons

• Like all American Specific playing cards, this one received’t be accepted at some retailers similar to Loblaws banner shops. 
• Supplementary playing cards are $29 every, in contrast to with our successful card, the Amex Cobalt, the place they’re free.
• As a fixed-rate program, Scene+ factors are at all times valued at 1 cent per level versus some dynamic applications the place you will get higher worth throughout sure time intervals. 
• You’ll solely earn the bottom fee of 1 level per greenback on international foreign money transactions no matter whether or not they’re in a bonus class or not.

Greatest airline journey bank cards

For Aeroplan

At a look: Though you could possibly use our primary journey card, the Amex Cobalt, to switch Amex factors to Aeroplan, the TD Aeroplan Visa Infinite tops our record of greatest Aeroplan bank cards in Canada for its simple redemptions and extras just like the $100 Nexus charge rebate. Plus, in the event you incessantly spend on Ubers or are a daily at Starbucks, you could possibly stretch your rewards even additional with this card.

featured

TD Aeroplan Visa Infinite Card

go to website

• Annual charge: $139
• Earn charges: 1.5 Aeroplan factors per $1 spent on fuel, groceries and purchases made straight by means of Air Canada (together with trip packages), and 1 level per $1 on all different purchases
• Welcome bonus: You’ll be able to earn a welcome bonus of 10,000 Aeroplan factors while you make your first buy together with your new card; earn 15,000 Aeroplan factors while you spend $7,500 inside 180 days of Account opening. Circumstances apply. Account have to be authorized by September 3, 2024. 
• Anniversary bonus: Earn a one-time anniversary bonus of 15,000 Aeroplan factors while you spend $12,000 inside 12 months of opening the account. Circumstances apply. Account have to be authorized by September 3, 2024.
• Annual earnings requirement: Private earnings of $60,000 or family earnings of $100,000

go to website

Professionals 

• You’ll be able to earn Aeroplan Standing Qualifying Miles in your on a regular basis purchases so that you advance in Aeroplan standing sooner. The upper you go, the higher the perks, like precedence boarding, reductions on flights and precedence seat choice.   
• Card holders and as much as eight journey companions travelling on the identical reservation get their first checked bag free when your journey begins on an Air Canada flight. 
• Along with having the ability to redeem for Air Canada flights, you possibly can redeem your factors on a dozen Star Alliance companions like Lufthansa and United. 
• This card has invaluable extras like a $100 Nexus charge rebate each two years. 
• The included insurance coverage package deal is aggressive, and consists of emergency medical journey protection for longer than some opponents (21 days, or 4 days for these 65 and older).

Cons

• For those who’re searching for the very best technique to get as many Aeroplan factors as you possibly can, utilizing the Amex Cobalt and transferring your factors at a 1:1 ratio is a greater possibility, however that is our selection for a easy, Aeroplan-specific card.
• Aeroplan is a dynamic chart-based program which implies level values can fluctuate based mostly on the place and while you’re flying, so it will not be the best program for cardholders searching for simplicity. 
• This card has a barely greater annual charge ($139) than another playing cards in its class.

Greatest Aeroplan various

For those who’re at the moment a CIBC buyer, you would possibly discover the CIBC Aeroplan Visa Infinite card to be fairly comparable. It shares nearly an identical earn charges and lots of related perks (excluding the Nexus rebate). The insurance coverage choices are fairly related, although the CIBC card offers $5 million in emergency medical protection, in comparison with the $2 million provided by the TD card. Nonetheless, it’s essential to notice that CIBC’s protection is proscribed to fifteen days (or 3 days for these 65 and older). CIBC gives a supplementary card for $50, which is $25 lower than the TD card.

For WestJet 

At a look: With a 1.5% base fee and a couple of% again on WestJet flights or trip packages, this card offers travellers a stable software to take the sting out of the price of airfare. Add to that aggressive perks like an annual round-trip companion voucher and a free first checked bag for you and as much as eight journey companions, and also you’ve received a card WestJet flyers will need to contemplate.

WestJet RBC World Elite Mastercard

Go to rbc.com for extra particulars

• Annual charge: $119
• Earn fee: 2% again in WestJet {dollars} on WestJet flights and holidays packages and 1.5% again on all different purchases
• Welcome supply: You’ll be able to earn as much as $450 in WestJet {dollars} with the WestJet RBC World Elite Mastercard. Plus, get a Spherical-Journey Companion Voucher Each 12 months – for any WestJet vacation spot ranging from $119 CAD (plus taxes, charges, costs and different ATC).
• Annual earnings necessities: Private earnings of $80,000 or family earnings of $150,000

Go to rbc.com for extra particulars

Professionals

• Get one round-trip companion voucher to anyplace WestJet flies yearly, which helps you to e-book a companion fare at a lowered fee while you additionally e-book a full fare. Or, you possibly can alternate the companion voucher for 4 airport lounge passes.
• Obtain as much as three $500 Standing Lifts yearly, which get you to the subsequent rewards tier sooner. The upper your tier, the extra advantages you’ll get, like lounge entry.
• The WestJet rewards program is straightforward, with out complicated charts or blackout intervals. One level equals 1 cent in financial savings on Westjet flights. 
• You get rewarded on your loyalty—earn 2% on WestJet flights or holidays, which is the next earn fee for journey bookings than different playing cards on this record.

Cons

• Whenever you use a round-trip companion voucher, the low cost solely applies to the bottom fee of the fare. Taxes, airport charges, and air transportation costs stay the identical—and these will be fairly hefty. 
• WestJet {dollars} usually are not transferable to every other airways or airline applications.

Greatest no-fee journey bank card

At a look: Certainly one of our greatest no-fee playing cards in Canada, the American Specific Inexperienced Card earns you factors in your on a regular basis spending that you would be able to redeem for assertion credit, presents, playing cards, merchandise or journey, and just like the Cobalt, they’re transferable at a 1:1 ratio to different frequent flyer or rewards applications. That is notable as a result of by transferring to a program like Aeroplan, you possibly can enhance the worth of your factors considerably. 

featured

American Specific Inexperienced Card

go to website

• Annual charge: $0
• Earn fee: 1 level for each $1 spent on all purchases and 1 extra level for each $1 spent on resort or automotive bookings made on americanexpress.ca.
• Welcome supply: You’ll be able to earn 10,000 Membership Rewards factors while you cost $1,000 in purchases to your card within the first three months of cardmembership.
• Annual earnings requirement: None

go to website

Professionals

• You’ll earn a flat fee of 1 level per greenback on your whole on a regular basis spending with no spending limits, and this will probably be doubled for resort or automotive rental bookings made by means of Amex Journey On-line. 
• Whenever you switch your factors to a different program, like Aeroplan, you possibly can double their worth to 2 cents apiece. A 1.5% to 2% return in your spending is uncommon for a no-fee card.
• Amex Membership rewards like Experiences permits you to benefit from curated eating, buying, and leisure occasions, whereas Entrance of the Line will get you advance entry to tickets.

Cons

• There isn’t any included journey insurance coverage nor travel-related perks like lounge or Wi-Fi entry with this card, however that’s commonplace for a no-fee card.
• American Specific playing cards are accepted at tens of hundreds of places throughout Canada and overseas, however there are limitations–principally within the grocery sector. In Canada, you can not use an Amex at Costco or Loblaws banner shops.

Honourable point out

At a look: This no-fee journey card gives accelerated earn charges on restaurant, grocery, digital media, membership and family utility purchases, providing you with a number of methods to earn factors by means of your on a regular basis spending. Plus, the birthday bonus perk returns 10% of your annual earnings in factors. Factors are price $0.01 every while you redeem for journey, they usually by no means expire.

featured

MBNA Rewards Platinum Plus Mastercard

go to website

• Earn charges: Earn 2 factors for each $1 spent on eligible groceries, eating places, digital media, membership and family utility purchases ($10,000 max annual spend) and 1 level per $1 on every thing else
• Welcome supply: You’ll be able to earn 10,000 bonus factors ($50 in money again worth). Plus, get 4 factors per $1 spent on eligible restaurant, grocery, digital media, membership and family utility purchases in the course of the first 90 days. (Not accessible for residents of Quebec.)
• Annual earnings requirement: None

go to website

Professionals

• This card comes with a powerful 5 bonus classes, providing you with many alternatives to rack up factors. 
• Distinctive birthday bonus perk returns 10% of your yearly earnings in factors so that you’ll get an annual enhance.
• Consists of $1,000 in new cellular system safety.

Cons

• The purpose redemption course of isn’t tremendous intuitive or versatile. You need to redeem factors on MBNA’s journey portal and might’t switch factors.
• The annual cap on the bonus classes, similar to groceries, is $10,000 per class. Any purchases past that quantity will earn on the base fee of 1 level per $1 spent.
• Not like a variety of different journey bank cards, this card doesn’t embrace journey insurance coverage however that’s to be anticipated in a no-annual-fee card.

Greatest resort bank card

At a look: You’ll earn Marriott Bonvoy factors on each buy you make on the world’s largest resort conglomerate, redeemable at greater than 30 resort chains (from Marriott and St. Regis to The Ritz-Carlton) in 130 international locations. Get service upgrades like free Wi-Fi, spa remedies, eating experiences, or free resort stays. Factors are additionally transferable to round 40 different airline applications like Aeroplan, Delta SkyMiles and Virgin Atlantic.

featured

Marriott Bonvoy American Specific

go to website

• Annual charge: $120
• Earn charges: 5 factors per $1 at Marriott properties, 2 factors per $1 all over the place else
• Welcome supply: earn 50,000 Marriott Bonvoy factors
• Annual earnings requirement: None

go to website

Professionals

• You’ll be able to deal with your self to hotel-related upgrades, companies and free nights at accommodations, together with St. Regis, The Ritz-Carlton and Westin, or for different travel-related bills like flights or automotive leases. Bonvoy factors are versatile—you may also use them for merchandise and experiences.
• The bottom fee of two factors per greenback is sort of good, however your factors will actually rack up while you earn 5 factors per greenback spent in your Marriott resort stays. 
• This card comes with some invaluable perks like one free night time’s keep at a Marriott property yearly and 15 Elite Evening Credit that will help you obtain the subsequent stage of standing.
• For those who attain $30,000 in complete annual spending on the cardboard, you’ll be upgraded to Marriott Bonvoy Gold Elite standing and unlock perks like room upgrades, financial savings on factors redemptions for resort stays and extra.
• As an Amex card, this package deal will get you Amex advantages like Entrance of the Line and eating, retail and wellness experiences.

Cons

• The worth of Marriott Bonvoy factors can fluctuate based mostly on a mixture of components—from the resort you’re staying at to the time of the 12 months—that means maximizing factors and switch choices isn’t at all times simple to newer level collectors. 
• Factors are price much less for airline transfers at a 3:1 ratio, that means you’re lacking out on maximizing worth for something apart from resort bookings.
• American Specific is much less extensively accepted than Mastercard or Visa.

Greatest bank card for premium perks

At a look: The Amex Platinum offers new that means to the previous saying, “You get what you pay for.” On this case, the $799 annual charge pays for itself by means of a smorgasbord of unimaginable perks. Your journey expertise will probably be remodeled with limitless airport lounge entry, partnerships at Nice Lodge + Resorts properties, and precedence therapy at Toronto Pearson Airport. The numerous perks—like a number of hundred {dollars} price of annual journey and eating credit and a Nexus charge rebate—go a great distance towards offsetting the value tag.

American Specific Platinum

Go to americanexpress.com for particulars

• Annual charge: $799
• Rewards: 2 factors per $1 on eating and meals supply; 2 factors per $1 on journey, plus 1 extra level on purchases booked by means of Amex Journey On-line; 1 level per $1 on every thing else.
• Welcome bonus: You’ll be able to earn as much as 100,000 rewards factors ($1,000 worth). Circumstances apply.
• Annual earnings requirement: None

Go to americanexpress.com for particulars

Professionals 

• You’ll get a $200 journey credit score annually that may be redeemed in the direction of a journey buy made by means of American Specific Journey On-line. Spend your extra annual $200 eating credit score at choose eating places all over the world, together with 100 in Canada.  
• Get entry to The American Specific World Lounge Assortment composed of greater than 1,300 lounges in over 140 international locations, together with American Specific Centurion Lounges, Plaza Premium and Delta Sky lounges. Cardholders could have limitless free visits and companion passes at no extra value, relying on the lounge.
• Routinely obtain the upper tier within the Hilton Honors and Marriott Bonvoy resort applications.
• Acquire personalised help by means of Platinum Concierge service. The concierge could make restaurant reservations, receive tickets to particular occasions, e-book companies for you, and extra—at no extra value to you. 
• As a result of the Platinum is a cost card, high-volume spenders usually are not restricted by a traditional credit score restrict.

Cons

• Further playing cards value $250 every yearly. 
• Given the annual charge, the journey medical insurance coverage is lackluster. Whereas some playing cards supply 20 days or extra, this card solely covers you for as much as 15 consecutive days and doesn’t supply any insurance coverage to those that are 65 or older.
• Cost no matter you need to the cardboard (there’s no credit score restrict), however as a result of it’s a cost card, you’re required to repay the steadiness in full each month.

Greatest journey bank card for college students

At a look: The CIBC Aeroplan Visa Card for College students bundles the power to earn Aeroplan rewards with a couple of journey advantages and student-friendly perks to ship a aggressive package deal for no annual charge.

CIBC Aeroplan Visa Card for College students

Go to CIBC.com for extra particulars

• Annual charge: $0
• Earn charges: 1 level per $1 spent on fuel and EV charging, groceries and Air Canada purchases, and 1 level per $1.50 on every thing else
• Welcome supply: Earn 10,000 Aeroplan factors while you make your first buy ($200 worth).
• Rates of interest: 20.99% on purchases and 22.99% on money advances (21.99% in Quebec)
• Annual earnings requirement: None

Go to CIBC.com for extra particulars

Professionals

• You should utilize your factors on any accessible Air Canada seat and there are not any blackout dates. Plus, you should utilize your factors with any of Aeroplan’s many companions similar to United and Aer Lingus.
• Aeroplan factors are price quite a bit in comparison with these of different applications, and they are often redeemed for flights with a number of airways, not simply Air Canada. 
• You’ll be able to usually get most well-liked pricing so you possibly can usually e-book flights utilizing fewer factors and you’ll pay for flight rewards with a mix of factors and money.
• A free SPC membership is included, providing you with entry to reductions and giveaways, and also you’ll save as much as 10 cents off per litre while you purchase fuel at taking part stations with Journie Rewards.
• You’ll have frequent provider accident protection, automotive rental collision and loss harm safety and buy safety.

Cons

• Not like different Aeroplan playing cards, you received’t earn Standing Qualifying Miles in your on a regular basis purchases. 
• The Aeroplan factors program isn’t essentially the most intuitive to grasp, particularly for first-time card holders, as a result of level values fluctuate based mostly on a regional chart.

Honourable point out

At a look: The no-fee TD Rewards Visa combines the power to earn versatile journey rewards factors with different student-friendly perks like bundled banking companies. Though TD Rewards factors are price lower than another loyalty applications, the earn fee is pretty beneficiant throughout on a regular basis spending classes providing you with a number of alternatives to earn.

featured

TD Rewards Visa Card

go to website

• Annual charge: $0
• Earn charges: 4 TD Rewards factors per $1 spent on journey purchases made by means of Expedia for TD, 3 factors per $1 on groceries and at eating places, 2 factors per $1 on recurring invoice funds, and 1 level on all different purchases
• Welcome supply: You’ll be able to earn a worth of $50 in TD Rewards Factors to make use of on eligible Amazon.ca purchases, plus no Annual Payment. Circumstances Apply. Account have to be authorized by January 6, 2025.

go to website

Professionals 

• You’ll be able to quadruple your factors by merely reserving journey by means of Expedia for TD, however bookings made elsewhere nonetheless earn at a fee of 1 level per greenback and there’s no restrict to what number of factors you possibly can earn on journey.
• Along with journey rewards like flights or accommodations, you possibly can redeem your factors for Amazon purchases, or put them in the direction of assertion credit to cowl your steadiness. 
• You’ll get pleasure from student-friendly perks and reductions at companions together with Amazon, Starbucks, and Uber.
• Level values are easy-to-understand: 200 factors at all times equals $1 in journey rewards booked on Expedia. 

Cons

• The boosted spending classes for grocery and eating places, and recurring invoice funds are capped at a $5,000 annual spend so after that, you’ll earn on the 1 level per greenback base fee.
• Journey insurance coverage isn’t included with this card, so that you’d need to pay additional to cowl your self.

Ceaselessly requested questions

Several types of journey bank cards 

Generic journey rewards bank cards

Some bank cards give you the power to earn rewards on on a regular basis purchases and different buy classes, which will be redeemed in the direction of all kinds of issues, together with journey. This implies you aren’t essentially restricted to reserving by means of sure airways when redeeming your factors on flights. You might also be capable of switch your bank card factors to an airline rewards program, similar to with the American Specific Cobalt.

Airline rewards bank cards

Some journey bank cards supply rewards with particular airways the place your factors’ redemption values could range, such because the TD Aeroplan Visa Infinite card. Whenever you accumulate sufficient factors, you possibly can e-book a flight or trip package deal with affiliated airways like WestJet or Air Canada. Take into account although that the worth of your factors can rely on the date of your flight and your vacation spot. 

Lodge rewards bank cards

Lodge rewards bank cards give you the power to redeem your factors in the direction of a resort keep, and to earn factors while you e-book at affiliated accommodations like Marriott or Delta, or earn perks similar to room upgrades or free breakfasts while you e-book eligible resort stays. For those who incessantly e-book accommodations for work or journey, contemplate a resort rewards bank card just like the Marriott Bonvoy American Specific.

Journey bank card options 

Some essential options to look out for in journey bank cards, in addition to factors worth and your reserving redemption choices (flights, accommodations, automobiles), embrace: 

• Journey insurance coverage protection for medical points or journey delays. Most bank card journey insurance coverage applications cowl you as much as 15 days and are typically extra restricted for these over the age of 65, however there are exceptions. (Examine the right way to know in case your bank card comes with sufficient journey insurance coverage protection.)
• Airport lounge entry without cost or discounted lounge passes by means of Precedence Move, Visa Airport Companion Program, Dragon Move and others. 
• Lodge reductions, like reductions at Marriott accommodations. 

Whether or not the cardboard costs you international transaction charges while you’re overseas, on high of normal alternate charges. These charges will be as excessive as an added 2.5% on each buy.

What journey factors program is greatest?

Not all journey reward applications are created equal. So how do you select the best one for you? 

First, it’s essential to grasp that journey rewards applications will be damaged down into two fundamental varieties: Constant and chart-based.

It’s price noting that in uncommon circumstances, just like the American Specific Membership Rewards Program, you would possibly get to decide on to redeem factors for journey based mostly on both a constant system or as a chart-based system.

Most of the large banks supply constant factors journey reward applications. They’re aimed toward individuals who need to function inside a easy program that has an easy-to-understand redemption course of; individuals who dislike difficult applications will respect these. Chart-based applications will be significantly extra difficult—but additionally doubtlessly extra invaluable. Because the variety of factors wanted to redeem for a flight isn’t constant, utilizing the rewards chart strategically might help you stretch the worth of your factors and web the next return when flying on sure routes, and even when reserving premium seats or enterprise class. These applications are extra fashionable with private finance lovers and left-brain thinkers.

Evaluate journey bank cards rewards factors values 

What number of journey rewards factors do you want for a flight? 

What number of Avion factors you want for a flight

Premium Avion cardholders want not less than 15,000 factors for a flight inside or close to your province or territory, not less than 35,000 factors for a flight inside North America, 65,000 factors for a flight to Europe and 100,000 factors for different locations across the globe. 

What number of Amex factors you want for a flight 

Utilizing the American Specific Mounted Factors Program, you’d want not less than 15,000 factors for a brief flight inside North America, 20,000 factors for a flight from a Canadian province or territory to a close-by U.S. State, 40,000 factors for an extended North American route, 50,000 factors for a trip vacation spot and not less than 60,000 factors for Europe or 100,000 factors for different continents. 

What number of Aeroplan factors you want for a flight

Aeroplan’s chart system makes use of Miles to measure the minimal level redemptions. For shorter flights inside North America, you’d want not less than 6,000-22,500 factors for an Financial system flight, 35,000-70,000 factors for North America and Atlantic zones, and so forth. 

What number of Scene factors you want for a flight

1 level is price 1 cent. For a $300 airline ticket, you’d want 300,000 Scene factors. 

What number of BMO Rewards factors you want for a flight

You’ll be able to redeem your factors for an announcement credit score in the direction of flights. 1 BMO Rewards level is price 0.7 of a cent in journey rewards.

What number of TD factors you want for a flight

You want a minimal of 200 factors for a redemption by means of Expedia for TD. 1 TD Rewards level is price 0.5 cents in journey rewards. 

What number of MBNA rewards factors you want for a flight

You’ll be able to redeem a minimal of 10,000 factors for a $100 assertion credit score on journey. 

Do journey bank card factors expire? 

Some journey rewards factors expire after a sure interval of inactivity, whereas others don’t. For instance, Aeroplan factors expire after 18 months of inactivity, and Marriott Bonvoy factors expire after 24 months, whereas WestJet {dollars} typically don’t expire, until they had been earned throughout sure promotions or different circumstances. To keep away from having your factors expire, you possibly can e-book accommodations together with your factors, purchase merchandise by means of the loyalty program’s retailer, switch factors from one other program or to a member of the family, in some circumstances, and extra.

Again to menu

Extra of Canada’s greatest bank cards: