The Entry-Level Travel Credit Card Portfolio

For travelers who want **maximum rewards** with **minimum complexity**, this **two-card setup** is the best way to earn and redeem travel points while keeping costs low.

1. The Must-Have Travel Rewards Card

Amex Cobalt American Express Cobalt Card

  • **5x points** on dining, groceries, and food delivery
  • **2x points** on transit and gas
  • **1:1 transfer to Aeroplan** and hotel partners
  • **Flexible redemption** for travel or statement credits

Why get it? This is a **must-have**. No card matches its **earning potential** for travel points. If you must skip it, consider a **high-earning Visa/Mastercard**, but nothing truly replaces it.

2. The Essential Airline Card

CIBC Aeroplan Visa Infinite CIBC Aeroplan Visa Infinite

  • **1.5x Aeroplan points** on gas, groceries, and Air Canada purchases
  • **1x Aeroplan point** on all other purchases
  • **First checked bag free** on Air Canada flights
  • **Aeroplan preferred pricing** for discounted flight redemptions

Why get it? This card is **the best entry-level Aeroplan option**. The free checked bag alone covers the fee for many travelers.

Alternatives for Specific Needs

  • Frequent WestJet Travelers: Consider the WestJet RBC World Elite Mastercard for **free checked bags and companion vouchers**.
  • No-Fee Aeroplan Option: The CIBC Aeroplan Visa Platinum still gives **Aeroplan preferred pricing** with **no annual fee**.

Need Lounge Access?

If **airport lounge access** is a priority, check out our Ultimate Canadian Travel Credit Card Portfolio for premium card options.

Conclusion

This **two-card setup** keeps things **simple and efficient**. Earn **top-tier travel points** with the Amex Cobalt, and get **Aeroplan perks** with the CIBC Aeroplan Visa Infinite.