Which credit card pays the most on travel in Canada?
Of the cards whose terms were read off the issuer, American Express Platinum (American Express) publishes the highest rate on travel in Canada: 2.00% (CAD 799 a year). This is a ranking of published rates, not a recommendation to apply.
This is information about each card's published terms, not a recommendation to apply. PayperWIZ arranges no credit and is paid nothing by any bank or card issuer.
2 read cards · Canada · travel
The answer, from 2 read cards
Highest published rate on the whole category first. What limits each rate is printed beside it, because it is usually what decides whether the rate is real.
| # | Return | Card |
|---|---|---|
| 1 | 2.00%or 3.00% (only at hotels and car rentals via American Express Travel) | American Express PlatinumcheckedAmerican Express · CAD 799 a year · checked 28 Oct 2026 |
| 2 | 1.25% | RBC Avion Visa InfinitecheckedRBC · CAD 120 a year · checked 28 Oct 2026 |
Rates on part of travel
These read cards pay on travel only at the places named. They are not ranked above, because the number is not what the card pays on travel anywhere else.
| Return | Card |
|---|---|
| 3.00% | TD Cash Back Visa InfinitecheckedTD · CAD 139 a year · checked 28 Oct 2026only at public transit; this rate covers only the first CAD 15,000 of spending; the terms say: 3% on local and suburban commuter transportation, including ferries (MCC 4111). Up to $15,000 a year in this category, then 1%. |
| 2.00% | Scotiabank Gold American ExpresscheckedScotiabank · CAD 120 a year · checked 16 Sep 2026only at public transit; this rate covers the first CAD 50,000 of spending a year |
| 2.00% | American Express CobaltcheckedAmerican Express · CAD 191.88 a year · checked 28 Oct 2026only at local transit and ride sharing in Canada |
| 2.00% | CIBC Dividend Platinum VisacheckedCIBC · CAD 99 a year · checked 28 Oct 2026only at local transit and ride sharing; this rate covers only the first CAD 20,000 of spending; the terms say: 2% on local and suburban commuter transportation in Canada: subway, streetcar, taxi, limousine and ride sharing. Inside the first $20,000 a calendar year in the 3% and 2% categories combined, or $30,000 of all card purchases, whichever comes first; then 1%. |
| 2.00% | CIBC Dividend Visa InfinitecheckedCIBC · CAD 120 a year · checked 16 Sep 2026only at booked through CIBC by Expedia |
| 2.00% | Scotia Momentum VisacheckedScotiabank · CAD 49 a year · checked 28 Oct 2026only at transit and rideshare; this rate covers the first CAD 25,000 of spending a year; the terms say: 2% on transit and rideshare (MCC 4111, 4112, 4121, 4131, 4789). Shares one $25,000 yearly allowance with every 2% category; then 1%. |
| 2.00% | Scotia Momentum Visa InfinitecheckedScotiabank · CAD 120 a year · checked 16 Sep 2026only at transit and rideshare; this rate covers the first CAD 25,000 of spending a year; the terms say: Earn 2% cash back on eligible Purchases on Transit and Rideshare services (MCCs: 4111, 4112, 4121, 4131, 4789), up to $25,000 annual spend. The 4% and 2% rates share one annual spend limit of CAD 25,000. Once it is reached the card pays its regular 1% on everything for the rest of the year. Source: scotiabank.com Momentum Visa Infinite page, read 16 Sep 2026. |
| 2.00% | TD First Class Travel Visa InfinitecheckedTD · CAD 139 a year · checked 28 Oct 2026only at booked through Expedia For TD |
| 2.00% | Tangerine Money-Back World MastercardcheckedTangerine · no annual fee · checked 28 Oct 2026only at if chosen as a 2% category: hotel-motel |
| 1.00% | RBC Cash Back MastercardcheckedRBC · no annual fee · checked 28 Oct 2026only at public transit |
The right card depends on what you have already spent.
PayperWIZ holds the cards you actually own and names the right one at the till — after the cap you have already used this month, and after the foreign-currency fee. Every rate in it says whether it was read off the issuer, and none is made up.
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