Pointshogger

"Get the best return possible for every $ you spend."

Top Hybrid Credit Cards

Below are the top hybrid credit cards in Canada (sorted by annual fees, then alphabetically):

 


American Express Green Card

American Express Green Card

  • No annual fee
  • Earn 12,500 sign up bonus points after spending $1,200 in the first 3 months
  • Earn 1 point for every $1 spent on all purchases
  • Apply-Now


HSBC Travel Rewards MasterCard

HSBC Travel Rewards Mastercard® (non-QC residents only)*

  • No annual fee
  • Earn 25,000 points* (for spending $1,000 within 180 days of account opening) (apply before February 28, 2023)
  • Earn 3 points for every $1 spent on eligible travel purchases*
  • Earn 2 points for every $1 spent on eligible gas and daily transportation purchases*
  • Earn 1 point for every $1 on all other eligible everyday purchases*
  • *Terms and Conditions apply
  • ®/TM Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. Used pursuant to license.
  • Apply-Now


HSBC Travel Rewards MasterCard

HSBC Travel Rewards Mastercard (QC residents only)*

  • No annual fee
  • Earn 25,000 points* (for keeping the account open and active for 180 days) (apply before February 28, 2023)
  • Earn 3 points for every $1 spent on eligible travel purchases*
  • Earn 2 points for every $1 spent on eligible gas and daily transportation purchases*
  • Earn 1 point for every $1 on all other eligible everyday purchases*
  • *Terms and Conditions apply
  • ®/TM Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. Used pursuant to license.
  • Apply-Now


RBC Ion Visa Card

RBC Ion Visa Card

  • No annual fee
  • Earn 6,000 sign up bonus Avion points upon approval (apply before January 31, 2023)
  • Earn 1.5 Avion points for every $1 spent on daily public transit, digital gaming, electrical vehicle charging, gas, groceries, rides, streaming, subscriptions
  • Earn 1 Avion point for every $1 spent on all other purchases
  • Apply-Now


HSBC +Rewards Mastercard

HSBC +Rewards™ Mastercard (non-QC residents only)*

  • $25 annual fee (a full annual fee rebate for the primary cardholder for the first year* for applying before February 28, 2023)
  • $10 authorized user annual fee per card
  • Earn up to 35,000 sign up bonus points* (earn 35,000 for spending $2,000 within 6 months of account opening) (apply before February 28, 2023)
  • Earn 2 points for every $1 spent on eligible dining or entertainment purchases
  • Earn 1 Point for every $1 on all other everyday purchases
  • *Terms and Conditions apply
  • ®/TM Mastercard and World Elite are registered trademarks, and the circles design is a trademark of Mastercard International Incorporated. Used pursuant to licence.
  • Apply-Now


HSBC +Rewards Mastercard

HSBC +Rewards Mastercard (QC residents only)*

  • $25 annual fee
  • $10 authorized user annual fee per card
  • Earn up to 40,000 sign up bonus points* (earn 40,000 points for keeping the account open and active for 6 months) (apply before February 28, 2023)
  • Earn 2 points for every $1 spent on eligible dining or entertainment purchases
  • Earn 1 Point for every $1 on all other everyday purchases
  • *Terms and Conditions apply
  • ®/TM Mastercard and World Elite are registered trademarks, and the circles design is a trademark of Mastercard International Incorporated. Used pursuant to licence.
  • Apply-Now


RBC Ion+ Visa Card

RBC Ion+ Visa Card

  • $48 annual fee
  • Earn 12,000 sign up bonus Avion points upon approval (apply before January 31, 2023)
  • Earn 3 Avion points for every $1 spent on daily public transit, digital gaming, dining, electrical vehicle charging, food delivery, gas, groceries, rides, streaming, subscriptions
  • Earn 1 Avion point for every $1 spent on all other purchases
  • Apply-Now


American Express Cobalt Card

American Express Cobalt Card

  • $12.99 monthly fee
  • No annual fee for a supplementary cardholder (maximum of 9)
  • Earn 30,000 points sign up bonus (earn 2,500 monthly bonus points after spending $500 in the first 12 months, for a total of 30,000)
  • Earn 5 points for every $1 spent on restaurant and food delivery purchases
  • Earn 3 points for every $1 spent on Canadian streaming subscription purchases
  • Earn 2 points for every $1 spent on travel and transit purchases
  • Earn 1 point for every $1 on all other purchases
  • Apply-Now


CIBC Aventura Infinite Visa

CIBC Aventura Infinite Visa

  • $139 annual fee (first year fee waived)
  • $50 annual fee for a supplementary cardholder (maximum of 3 cards)
  • Earn 35,000 sign up bonus Aventura points (earn 20,000 points after the first purchase, and earn 1,250 points after spending $1,000 monthly in the first 12 months up to 15,000 points)
  • Earn 3 points at select CIBC bonus rewards Establishments
  • Earn 2 points on purchases made with the CIBC Aventura Rewards Centre
  • Earn 1.5 point for every $1 spent on gas, groceries and drug stores
  • Earn 1 point for every $1 on all other purchases
  • Receive 4 complimentary Priority Pass lounge passes per membership year
  • Rebate of $50 on NEXUS application once every 4 years
  • Apply-Now


HSBC World Elite MasterCard

HSBC World Elite® MasterCard (non-QC residents only)*

  • $149 annual fee (a full annual fee rebate for the primary cardholder for the first year* for applying before February 28, 2023)
  • Authorized User Annual Fee: $50 Per Card
  • Earn up to 80,000 points* (earn 20,000 Welcome Bonus points*, earn 40,000 points* for spending $6,000 within 6 months of account opening and earn 20,000 points* as an anniversary bonus) (apply before February 28, 2023)
  • Earn 6 HSBC points for every $1 spent on all eligible travel purchases
  • Earn 3 HSBC points for every $1 spent on all other eligible purchases
  • Receive $100 annual travel enhancement credit*
  • Receive a Boingo membership
  • No foreign transaction fees (only the exchange rate will apply)
  • Have at least $80,000 in personal annual income, $150,000 household income or have $400,000 asset under management in Canada
  • *Terms and Conditions apply
  • ®/TM Mastercard and World Elite are registered trademarks, and the circles design is a trademark of Mastercard International Incorporated. Used pursuant to licence.
  • Apply-Now


HSBC World Elite MasterCard

HSBC World Elite MasterCard (QC residents only)*

  • $149 annual fee
  • Authorized User Annual Fee: $50 Per Card
  • Earn up to 110,000 points* (earn 20,000 Welcome Bonus points*, earn 70,000 points* for keeping the account open and active for 6 months and earn 20,000 points* as an anniversary bonus) (apply before February 28, 2023)
  • Earn 6 HSBC points for every $1 spent on all eligible travel purchases
  • Earn 3 HSBC points for every $1 spent on all other eligible purchases
  • Receive $100 annual travel enhancement credit*
  • Receive a Boingo membership
  • No foreign transaction fees (only the exchange rate will apply)
  • Have at least $80,000 in personal annual income, $150,000 household income or have $400,000 asset under management in Canada
  • *Terms and Conditions apply
  • ®/TM Mastercard and World Elite are registered trademarks, and the circles design is a trademark of Mastercard International Incorporated. Used pursuant to licence.
  • Apply-Now


RBC Avion Infinite Privilege Visa

RBC Avion Infinite Privilege Visa

  • $399 annual fee
  • $99 annual fee for a supplementary cardholder
  • Earn 35,000 sign up bonus points (earn 35,000 points upon approval, earn 20,000 points after spending $5,000 in the first 6 months) (apply before January 31, 2023)
  • Earn 1.25 point for every $1 spent on all purchases
  • Receive 6 complimentary Priority Pass lounge passes per membership year
  • Have at least $200,000 in personal or household annual income
  • Apply-Now


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Pointshogger aims to provide analysis and updates on earning loyalty reward points and maximizing the value of your points. We hope to inspire our readers to experience the joy of travel and make the most out of what they've already got!

  • Ottawa | Vancouver
  • @pointshogger

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