Top Transferable Points Credit Cards

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

 


  • 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


  • No annual fee
  • Earn 25,000 points* (for spending $1,000 within 180 days of account opening) (apply before May 31, 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


  • No annual fee
  • Earn 25,000 points* (for keeping the account open and active for 180 days) (apply before May 31, 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


  • No annual fee
  • Earn 3,500 sign up bonus Avion points upon approval (apply before May 29, 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


  • $25 annual fee (a full annual fee rebate for the primary cardholder for the first year* for applying before May 31, 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 May 31, 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


  • $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 May 31, 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


  • $48 annual fee
  • Earn 7,000 sign up bonus Avion points upon approval (apply before May 29, 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


  • $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


  • $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


  • $149 annual fee (a full annual fee rebate for the primary cardholder for the first year* for applying before May 31, 2023)
  • Authorized User Annual Fee: $50 Per Card
  • Earn up to 80,000 points (earn 20,000 Welcome Bonus points, earn 1,000 points for spending $1,000 each month, within the first 6 months of account opening, to a maximum of 60,000 points) (apply before May 31, 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


  • $149 annual fee
  • Authorized User Annual Fee: $50 Per Card
  • Earn up to 110,000 points (earn 20,000 Welcome Bonus points, earn 90,000 points for keeping the account open and active for 180 days) (apply before May 31, 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


  • $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 April 30, 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