The Ultimate Canadian Travel Credit Card Portfolio

Building the perfect travel credit card portfolio in Canada requires a mix of cards that maximize rewards while covering key spending categories. Here's the **best combination** of cards to help you earn and redeem travel rewards efficiently.

1. Everyday Spending & Dining

Amex Cobalt American Express Cobalt Card

  • **5x points** on dining, groceries, and food delivery
  • **2x points** on transit and gas
  • Transfer **1:1 to Aeroplan** and other airline programs
  • Flexible redemption for **travel and statement credits**

Why get it? This is a **must-have** card. No real alternative provides the same level of high multipliers and transfer flexibility.

2. Premium Travel & Lounge Access

Amex Platinum American Express Platinum Card

  • **Unlimited airport lounge access** (including Amex Centurion Lounges)
  • **$200 annual travel credit** for bookings via Amex Travel
  • **$200 annual dining credit** at select restaurants in Canada
  • **2x points** on travel and dining

Why get it? Perfect for frequent travelers who want **VIP perks and premium lounge access**.

3. Aeroplan Loyalty & Premium Travel

Amex Aeroplan Reserve American Express Aeroplan Reserve

  • **1.25x Aeroplan points per $1 spent** on all purchases
  • **Priority boarding & lounge access** with Air Canada
  • **Free first checked bag** on Air Canada flights
  • Exclusive **Aeroplan preferred pricing** on redemptions

Alternatives: The **CIBC Aeroplan Visa Infinite Privilege** and **TD Aeroplan Visa Infinite Privilege** offer the same **1.25x base rate** with lower multipliers for Air Canada and dining, but they are **Visa**—making them more widely accepted.

4. WestJet Travel & Costco Shopping

WestJet RBC World Elite WestJet RBC World Elite Mastercard

  • **Earn WestJet Dollars** for flights and travel
  • **Free first checked bag** for you and up to 8 people
  • **Annual companion voucher** starting at $119
  • One of the **best Mastercards for Costco shoppers**

Why get it? A great alternative for those who fly with WestJet and need a **Mastercard** for Costco.

Conclusion

The **ultimate travel credit card portfolio** consists of cards that complement each other, covering dining, general travel redemptions, and airline-specific perks. With these cards, you maximize rewards, enjoy premium travel perks, and ensure wide acceptance across different merchants.