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Visitor Visa checklist: Everything you need to apply and visit Canada

A visitor visa is needed to come to Canada as a tourist, or on a quick trip to visit family, or do business for individuals of many countries.

Anyone who is not a permanent or temporary resident of Canada (those with a work or study permit) will need a visitor visa to enter the country. However, citizens of certain countries do not need a visitor visa and can instead pursue an electronic Travel Authorization (eTA). eTAs are a more streamlined form or travel authorisation available to nationals of countries that have visa-free travel agreements with Canada. For answers to common questions on eTAs, click here .

Discover if You Are Eligible for Canadian Immigration

What is needed to get a Canadian visitor visa?

1. Complete the needed forms

Depending on whether you are applying inside or outside of Canada, you will need to fill in different forms. Those applying outside of Canada will require:

• Application for temporary resident visa (IMM 5257);
• Family information form (IMM 5707);
• Statutory declaration of common-law union (IMM 5409);
• Use of representative (IMM 5476)—Note this is only required if you have used the services of a representative, or if you are appointing or cancelling use of a representative; and
• Authority to release personal information to a designated individual (IMM 5475)—Note this form is only required if you authorise Immigration Refugees and Citizenship Canada (IRCC) or the Canadian Border Services Agency (CBSA) to release information from your case file to someone other than yourself (i.e.: a representative or authorised relative).

2. Collect the needed documentation

In addition to the above forms, applicants for a visitor visa will need to following documentation in support of their request:

• Receipt of fee payment;
• A photocopy of the information page of your passport, including: the passport number, issuance and expiry dates, and your photo, name, issue date, and place of birth;
• Two photos meeting the requirements of the visa application photograph specifications . On the back of these two photos applicants must write their name and date of birth. If applicants are required to provide biometric fingerprints and photo they do not have to attach these photos;
• Proof of financial support, proving that you can support yourself and any family member accompanying you while you are in Canada;
• Photocopy of your marriage license or certificate (if relevant);
• Letter explaining the purpose of your travel;
• Photocopy of your current immigration status (if your country of residence differs from the country of citizenship listed on your passport, you must provide proof of legal status in your country of residence);
• Minors travelling alone or with one parent must provide custody documents or a letter of authorisation from the other non-accompanying parent of a letter of authorisation signed by both parent or legal guardians; and
• Any other additional documents required by the responsible visa office in your region.

Note that application forms completed online must be completed and validated with the generation of a barcode. If completed on a computer, these barcodes will be automatically attached to the immigration forms, otherwise they must be printed and placed at the top of an application if applying by paper.

How to pay required fees and prove fee payment to IRCC

There are two kinds of fees that applicants for a visitor visa may need to pay. These are application processing fees, and biometric fees. Those who do not need to provide biometrics may be exempt from the second set of fees—find out if you need to give biometrics here .

Application processing fees for visitor visas are $100 CAD per person, and $500 CAD for a family (five or more people).

Biometrics fees on the other hand are $85 CAD per person, and $170 per family (two or more people).

These fees may be subject to change and cannot be refunded regardless of the decision reached on your application. In addition, the only accepted method to pay these fees is online.

After following the given instructions and completing the process, you must wait until an official IRCC receipt is issued with a barcode. Applicants are advised to save this file and attach a copy of it to their application.

How to provide proof of financial support

There are several documents that you can use to prove that you can support yourself and any dependents that accompany you while you are visiting Canada.

Some examples include cash, certified cheque, bank draft, or money order in a large enough amount to cover all reasonable expenses incurred during your stay in Canada.

In addition, written or verbal statements (which can be verified) can also be used, provided that they satisfy an officer that sufficient financial support from friends and/or family has been arranged and can cover reasonable incurable expenses during your stay.

Other documents include bank statements, a letter of employment or previous tax filing information,

How to write a “purpose of travel” letter

All foreign nationals entering Canada must be able to satisfy an officer at their time of entry that they have legitimate reasons to enter and reside in Canada. In the context of a visitor visa, this can often also include proving that you (the foreign national) will leave Canada once the period of your authorised stay expires.

In some cases, visitor visa applicants may also need a letter of invitation from a Canadian citizen or permanent resident .

Applying with family members

Visitor visa applicants wishing to bring their family with them on their trip to Canada must complete an application form for each family member. All applications may be submitted together online or at the VAC where you will send your application on paper. A single receipt may also be given for all included applications.

Lastly all family members and dependents must meet all requirements for temporary residence in Canada.

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Plan your unforgettable Canadian adventure with ease! Discover how to apply for a tourist visa to Canada and explore its stunning

Everything You Need to Know About Canada's Tourist Visa

Kelia Losa Reinoso is a qualified content writer with a Master of Arts degree in Journalism and Media Studies

Dreaming of experiencing Canada's breathtaking landscapes, vibrant cities, and diverse culture? Embarking on a journey to this captivating country starts with understanding the ins and outs of obtaining a tourist visa.

Whether you're planning a short visit to reconnect with family, explore stunning natural wonders, or discover urban delights, this comprehensive guide will provide you with all the essential information you need to navigate the process seamlessly.

From eligibility criteria and application procedures to travel restrictions and tips for a successful application, we've got you covered. Let us unravel everything you need to know about tourist visas for Canada with your top questions answered below.

Canada's Tourist Visa: Your Questions Answered

You may be wondering how you can visit Canada and what procedure you need to follow. Get ready to uncover all the answers as we dive into the details of tourist visas, from eligibility and application procedures to travel tips and restrictions.

What is Canada’s Tourist Visa?

In essence, it allows you to travel to and around Canada for a limited period, typically up to 6 months. It's important to note that while on a tourist visa, engaging in work or study activities is prohibited, aligning with the visa's intended scope and restrictions. Its primary purpose is to enable tourists to experience Canada's wonders and connect with its way of life.

What is the Difference Between a Tourist Visa and an eTA?

When planning a trip to Canada, it's crucial to understand the distinction between a Tourist Visa and an Electronic Travel Authorization (eTA). These two entry permits serve different purposes and apply to different travelers.

Tourist Visa

A Tourist Visa, also known as a Visitor Visa, is a traditional visa that allows foreign nationals to enter Canada for a temporary stay, typically up to six months. It's a document placed in your passport and is obtained through a Canadian consulate or embassy. Tourist Visas are typically required for citizens of countries that are not visa-exempt or eligible for an eTA.

eTA (Electronic Travel Authorization)

An eTA, on the other hand, is an electronic entry requirement designed for visa-exempt foreign nationals who are traveling to Canada by air. It's a simpler and faster way to gain entry clearance than a full-fledged visa. The eTA is electronically linked to your passport and is valid for up to five years or until your passport expires, whichever comes first. It's crucial to note that the eTA is only applicable if you're flying to Canada; if you're arriving by land or sea, you won't need an eTA.

How do I Apply for a Canada Tourist Visa?

Step 1: Complete Online Application

Visit the official Canadian immigration website and fill out the tourist visa application form accurately.

Step 2: Gather Required Documents

Collect necessary documents such as a valid passport, travel itinerary, proof of funds, travel history, and a letter of invitation (if applicable).

Step 3: Pay the Application Fee

Pay the required visa application fee through the online portal using a valid payment method.

Step 4: Biometrics Appointment

Schedule and attend a biometrics appointment at a local Application Support Center (ASC) if instructed.

Step 5: Submit Application

Submit your completed application form and supporting documents online through the official portal.

Step 6: Wait for Processing

Wait for your application to be processed. This may take several weeks, so be patient.

Step 7: Attend Visa Interview (if required)

If asked, attend an interview at the nearest Canadian consulate or embassy.

Step 8: Receive Visa Decision

You will be notified of the visa decision. If approved, follow the instructions to receive your passport with the visa.

What Documents Do I Need For a Tourist Visa?

How much does the canadian tourist visa cost.

A Canadian tourist visa otherwise known as a visitor visa or even a temporary resident visa costs CAD100 and allows you to stay in Canada for up to 6 months but is valid for ten years or until your passport expires. If it’s your first time applying for a Canadian visa, you must include your biometrics (fingerprints and photos) at an additional cost of CAD85.

Who is Eligible for a Canada eTA?

If you are a citizen of a country that is visa-exempt in Canada, then you are eligible for an eTA and you will need one to in order to get into the country. Those who are not visa-exempt will need to apply for tourist visas. The list of eTA eligible countries are listed in the table below:

How Do I Apply for an eTA?

Step 1: visit the official website.

Go to the official Canadian government website dedicated to eTA applications.

Step 2: Check Eligibility

Ensure you meet the eligibility criteria for an eTA. Most travelers from visa-exempt countries require an eTA to enter Canada by air.

Step 3: Gather Documents

Have your valid passport, a credit card, and your travel details ready.

Step 4: Start Application

Begin the online application by providing personal information, passport details, and travel plans.

Step 5: Answer Questions

Respond to a few questions about your health, criminal history, and travel purposes.

Step 6: Submit Payment

Pay the eTA processing fee using a credit card. The fee is typically lower than a traditional visa.

Step 7: Review and Submit

Carefully review the information you've provided before submitting the application.

Step 8: Wait for Approval

In most cases, you'll receive a decision within minutes. However, it's recommended to apply at least a few days before your departure.

Step 9: Check Your Email

If approved, you'll get an email with your eTA confirmation. It's electronically linked to your passport.

Step 10: Travel to Canada

Board your flight to Canada. When you arrive, the airline staff will verify your eTA before you can board.

Does Canada have any COVID-19 Travel Restrictions?

As of October 1, 2022, the border measures related to COVID-19 have ceased for all individuals arriving or coming back to Canada via air, land, or sea.

Top Tourist Destinations in Canada

Now that you know how to visit Canada, let’s get you excited about traveling around the Great White North. Whether you’re exploring Canada with a group tour or planning your own itinerary, here are some of the must-see sights in Canada.

The Cabot Trail is one of the Seven Wonders of Canada and is located in Cape Breton Island, Nova Scotia. With 26 hiking trails that range from easy strolls to challenging climbs - all leading to panoramic views of canyons, highlands, waterfalls, and coastlines, you have plenty of hiking adventures to plan in Cape Breton.

Ski at Whistler Blackcomb

Whistler Blackcomb is the largest ski resort in North America located in Whistler, British Columbia. Plan your ski trip from January to March right in time for fresh snowfall and the best skiing and/or snowboarding experience. The resort further offers sophisticated lounge-style restaurants and bars where you can feast with incredible views of Blackcomb Mountain.

Sightsee in Old Montreal

If hiking and action-packed snow activities do not tickle your fancy, you might enjoy exploring the quaint cobblestone streets and architecture from the 16th century in Montreal - Quebec’s largest-French speaking city. A visit to the city is not complete without a stop at the Notre-Dame Basilica and Habitat 67. And don’t forget to indulge your sweet tooth with a frozen maple syrup lollipop from Sugar Shack.

Take a Cruise to Niagara Falls

Niagara Falls are world-famous waterfalls situated in Ontario, Niagara Falls. It’s one of the top tourist destinations in Canada, and for good reason. The thundering of 3,160 tons of water every second gives any spectator goosebumps. You can choose how you want to experience this natural world wonder with many unique and exciting activities that can be pre-booked on Tripadvisor, like a cruise that takes you as close as possible to the falls.

Inside Banff National Park you’d discover plenty of gems, including Lake Louise. The famous crystal clear turquoise water makes it one of the most Instragrammable lakes in the world. Canoeing is an iconic activity for travelers visiting Canada, and for CAD105, you and three friends can hire a canoe for one hour to paddle across Lake Louise, take in incredible nature, and spot small creatures in the park.

Chill at a Hip Gastown Bar in Van-City

Gastown is Vancouver's oldest neighborhood that seamlessly combines old style with contemporary elements. It’s home to the hottest restaurants and bars, making it a great pick for an incredible night out. You’ll also enjoy shopping at the city's independent fashion boutiques and modern gift stores while exploring the many art galleries that line the cobblestone streets.

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Canadian Visit Visa Fees and Cost

A record breaking 21.13 million international citizens visited Canada in 2018, an increase from 20.8 million in 2017, according to an article by Destination Canada. Each year tourist visit to the country contribute approximately $102.5 billion to the economy! In fact, 2018 was the fifth consecutive year of a consistent increase in arrivals to the country. New flight routes and changes in the Canadian visa helped push the numbers up.

Planning to visit this unique nation begins with filling up the Canadian Visa Application Form online. For this, you need to create an account, through which all the formalities can be completed. You can also submit the form in person at the Canadian embassy in your home country. Most travelers entering Canada require a visa or an Electronic Travel Authorization. The visa lets you stay for a period of up to six months. 

Apply Online

💡 Tip: Buy travel health insurance before your trip.

Check out popular travel insurance plans and choose one that suits you.

Most plans only cost less than $20 a day.

What’s the Cost & Fees of Canadian Visa

Along with the visa fee, you also need to pay a processing fee. This is basically the Embassy Fees for Canada. The amount is determined by the type of visa you are applying for: 

• Temporary Residence Fee
• Permanent Residence Fee
• Family Sponsorship Fee
• Citizenship Fee
• Service Fee

Here’s a look at the various visa fees for temporary residence for international travelers to Canada: 

Canada Visitor Visa Fees 

Canadian visa – electronic travel authorization fees, canadian visa – work permit fees, canadian visa – study permit fees, canadian visa – biometric fees.

The biometric fee is part of your visa cost. Costs of digital photo and fingerprint are covered under this. Apart from this, if you have submitted the visa at the Visa Application Center, the core service costs are included.

How to Pay Canada Visa Application Fees

In order to pay the fees, you need a valid email address, access to a printer and a credit or Canadian debit card. After the payment is done online, print the receipt. Make sure the barcode is visible. Remember that the only method of payment is online.

The visa fee is non-refundable, under all circumstances. In case of visa rejection, the fee needs to be paid one again when reapplying. There are no exemptions in such cases. If you are a visa exempt visitor, applying for a super visa, you are not required to make any payments.

The next step after payment of the fees is to submit all the documents at your nearest Canadian embassy.

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18 Best Travel Credit Cards in Canada for May 2024

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Our picks for Canada’s best travel credit cards include top cards across numerous categories to help you earn discounts, perks and rewards before your next trip.

Best travel credit cards in Canada

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Earn up to $2,600 in value within your first 13 months.  When you combine the Welcome Bonus offer and the value you get from exceptional travel benefits, you can earn up to $2,600 or more in value within your first 13 months. Terms and conditions apply.

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If this card doesn’t seem like a good fit for your wallet, take a look at NerdWallet’s selection of the  best credit cards  to help find the right option for you.

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• Highest Air Canada earn rate on an Aeroplan payment card in Canada: Earn 3X the points on eligible purchases made directly with Air Canada®* and Air Canada Vacations®*.
• Standard Earn Rate: Earn 2X the points on eligible Dining and Food Delivery purchases in Canada and earn 1.25X the points on everything else.
• Get through the airport quicker with Air Canada Priority Check-In, Air Canada Priority Boarding and Air Canada Priority Baggage Handling.
• Enjoy access to select Air Canada Maple Leaf Lounges™* and Air Canada Café™ in North America for you and a guest, with a same day ticket on a departing Air Canada or Star Alliance flight.
• Enjoy your eligible first checked bag free for up to 9 people travelling on the same reservation on Air Canada flights.
• Roll over any unallocated Aeroplan Elite™* Status Qualifying Miles and unused eUpgrade Credits to the following year to enjoy during your travels.
• Get access to more than 1,200 Priority Pass™ airport lounges and enjoy an oasis of comfort before your flight, regardless of your airline or cabin class.
• Insurance Coverage: whether you’re shopping nearby or travelling abroad, you can feel confident knowing you can be taken care of.
• American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information click the Apply now link. If you apply and get approved for an American Express Card, NerdWallet may receive compensation from American Express, which can be in the form of monetary payment.

Best for: Hotel rewards

Marriott bonvoy® american express®* card.

• New Marriott Bonvoy® American Express®* Cardmembers earn 50,000 Marriott Bonvoy® points after you charge $1,500 in purchases to your Card in your first three months of Cardmembership. Subject to change at any time
• Earn 5 points for every dollar in eligible Card purchases at hotels participating in Marriott Bonvoy®.
• Earn 2 points for every $1 in all other Card purchases.
• Receive an Annual Free Night Award for up to 35,000 points at eligible hotels and resorts worldwide every year after your first anniversary.
• No annual fee on Additional Cards.
• Redeem points for free nights with no blackout dates at over 7,000 of the world’s most desired hotels.
• Automatic Marriott Bonvoy Silver Elite status membership.
• Receive 15 Elite Night Credits each calendar year with your Marriott Bonvoy® American Express®* Card. These can be used towards attaining the next level of Elite status in the Marriott Bonvoy program.
• Enjoy an automatic upgrade to Marriott Bonvoy Gold Elite status when you reach $30,000 in purchases on the Card each year or when you combine 10 qualifying paid nights within one calendar year with the 15 Elite Night Credits from your card.
• American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information, click the Apply Now link. Conditions Apply. If you apply and get approved for an American Express Card, NerdWallet may receive compensation from American Express, which can be in the form of monetary payment.

Best for: British Airways flyers

Rbc® british airways visa infinite‡.

• Intro offer: Get Up to 60,000 Aviosˆ: Receive 15,000 Avios as welcome bonus upon approval. 35,000 bonus Avios when you spend $6,000 CAD in the first 3 months. Another 10,000 bonus Avios after your first yearˆ.
• Earn 3 Avios for every $1 CAD spent at British Airways and British Airways Holidays
• Earn 2 Avios for every $1 CAD spent on qualifying dining spend
• Earn 1 Avios for every $1 CAD spent on all other qualifying net purchases
• Earn a companion voucher when you spend $30,000 CAD annually. You can either take a companion with you or fly solo instead for a 50% Avios discount on the cost of one reward seat ticket. Plus, you’ll have the flexibility to pay a lower, flat fee to cover taxes, fees and carrier charges and a fixed Avios amount when you make a Reward Flight booking.
• Eligible members who spend a minimum of $30,000 CAD on qualifying purchases on their card in a calendar year (“calendar year” refers to the time period starting from January 1 and ending December 31) will receive a maximum of one Companion Voucher for that calendar year. See ba.com/rbc-visa for full terms and conditions.
• 10% off British Airways flights when you book and pay with your card∞
• Redeem for flights and more – you can spend your Avios on all of the travel things you love, including cabin upgrades with British Airways or reward flights with British Airways and any of the oneworld partner airlines to almost 1,000 destinations worldwide**
• Comprehensive Insurances including 31–day out of country/province emergency medical insurance¹, flight delay insurance², hotel burglary³ and rental car⁴ insurance. Even eligible purchases you make with the card are protected³.
• Luxury Visa Infinite benefits⁵ such as first in line service for exclusive events and hotel and dining exclusives via www.visainfinite.ca
• Complimentary 24/7 Concierge Service⁵.
• Link your RBC card with a Petro-Points membership to instantly save 3₵ per litre on fuel at Petro-Canada stations and earn 20% more Petro-Points and 20% more Avion points
• Get $0 delivery fees for 12 months from DoorDash
• Link your RBC British Airways Visa Infinite card with a Rexall Be Well account and get 50 Be Well points for every $1 spent on eligible products at Rexall. Redeem Be Well points faster for savings in store on eligible purchases where 25,000 Be Well points = $10
• Eligibility: This card requires a minimum personal income of $60,000 or a minimum household income of $100,000. Must also be a Canadian resident of the age of majority in the province or territory of residence.
• Corresponding legal references and product terms are available on the RBC website, which will be available and agreed upon in the customer onboarding process.

Best for: AIR MILES rewards

Bmo air miles®† world elite®* mastercard®*.

• Welcome offer: Get 2,000 AIR MILES Bonus Miles and we’ll waive the $120 annual fee for the first year.*
• Get 3x the Miles for every $12 spent at participating AIR MILES Partners and 2x the Miles for every $12 spent at any eligible grocery store*.
• Earn 1 reward mile for every $12 in credit card purchases, everywhere you spend.*
• Get valuable benefits and offers for digital everyday services from a variety of on-demand apps and subscription services.
• Use your card at Costco.*
• Extended Warranty.
• Access over 1 million Wi-Fi hotspots around the world – all at no added cost, and no added fees or roaming charges.*
• Complimentary membership in Mastercard Travel Pass provided by DragonPass.*
• Use less Miles with our exclusive 25% discount on one worldwide AIR MILES flight redemption during the calendar year.*
• BMO AIR MILES World Elite Travel and Medical Protection.*
• BMO Concierge Service.*
• Unlock Mastercard Travel Rewards cashback offers when you travel and shop outside of Canada.
• *Terms and conditions apply.
• BMO is not responsible for maintaining the content on this site. Please click on the Apply now link for the most up to date information.

Best for: Newcomers to Canada

Scotiabank passport™ visa infinite* card.

• Earn up to $1,100+ in value in the first 12 months, including up to 35,000 bonus Scene+ points and first year annual fee waived on your first supplementary card. Offer Ends January 3, 2024.
• The only major bank credit card offering you no foreign transaction fees, including for shopping online or abroad.
• Your Award Winning Card For Travel.
• Earn 2 Scene+ points on every $1 you spend on eligible grocery stores, dining, entertainment purchases, and daily transit purchases (including buses, subways, taxis and more).
• Earn 1 Scene+ point on every $1 you spend on all other eligible purchases.
• You’ll earn 3X Scene+ points for each dollar charged to your account on all eligible purchases¹ at Sobeys, IGA, Safeway, Foodland, FreshCo, Voilà by Sobeys, Voilà by IGA, Voilà by Safeway, Chalo! FreshCo, Thrifty Foods, IGA West, Les Marchés TradItIon, Rachelle Béry and Co-Op.
• Airport lounge access through complimentary Visa Airport Companion Program membership, plus six complimentary lounge visits per year from the date of enrollment, providing you with access to 1,200+ airport lounges globally, including participating Plaza Premium Lounges.
• Visa Infinite* benefits including Visa Infinite Concierge, Visa Infinite* Luxury Hotel Collection, Visa Infinite* Dining Series, and Entertainment & Lifestyle Offers.
• Access to Scotia SelectPay™.
• To be eligible, $60,000 (individual) or $100,000 (household) annual income is required, or a minimum assets under management of $250,000. Also, you must have a Canadian credit file and be a Canadian resident of the age of majority in the province or territory where you live.

If this card doesn’t seem like a good fit for your wallet, take a look at NerdWallet’s selection of the best newcomer credit cards to help find the right option for you.

Best for: Cash back

Bmo cashback® world elite®* mastercard®*.

• Welcome offer: Get up to 10% cash back in your first 3 months and the $120 annual fee waived in the first year.*
• Earn more cash back on the categories that mean the most: 5% on groceries.* 4% on transit including ride sharing, taxis and public transportation.* 3% on gas and electric vehicle charging.* 2% on recurring bill payments like your monthly phone bill or favourite streaming service.* 1% unlimited cashback on all other purchases.*
• Get the highest cash back earn rate on groceries in Canada.†
• Extended Warranty Plus.*
• Purchase Protection Plus.*
• Complimentary membership in Mastercard Airport Experiences provided by LoungeKey.*
• Complimentary Roadside Assistance Program.*
• BMO CashBack World Elite Travel and Medical Protection.*
• †Statement based on a comparison of the non-promotional grocery rewards earn rate on Canadian cash back credit cards as of January 4, 2023.

Best for: WestJet flyers

Westjet rbc world elite mastercard.

• Get up to $450 in WestJet dollars¹ with the WestJet RBC® World Elite Mastercard. Plus, get a Round-Trip Companion Voucher Every Year – for any WestJet destination starting from $119 CAD³ (plus taxes, fees, charges and other ATC).
• Get free first checked bags for the primary cardholder and up to 8 guests on the same reservation⁴
• Earn WestJet dollars 1.5% on everyday purchases and 2% on flights or packages with WestJet or WestJet Vacations⁸
• WestJet dollars never expire¹⁰ Use your WestJet dollars to book flights anytime so you can travel when and where you want.
• No blackout periods.
• Travel coverage including emergency medical insurance²⁰ as well as trip interruption insurance²¹, hotel burglary¹⁸ and rental car insurance¹⁸. Even eligible purchases you make on the card are protected.
• Link your RBC card with a Petro-Points membership to and instantly save 3₵ per litre on fuel¹² and always earn 20% more Petro-Points¹³ at Petro-Canada.
• Free Boingo Wifi for Mastercard holders¹¹ at over 1 million hot spots.
• Get $0 delivery fees for 12 months from DoorDash^. Add your eligible RBC credit card to your DoorDash account to: Get a 12-month complimentary DashPass subscription± – a value of almost $120. Enjoy unlimited deliveries with $0 delivery fees on orders of $15 or more when you pay with your eligible RBC credit card.
• Eligibility: This card requires a minimum personal income of $80,000 or a minimum household income of $150,000. Must also be a Canadian resident of the age of majority in the province or territory of residence.

Best for: Aventura points

Cibc aventura® gold visa* card.

• Earn up to 35,000 Aventura Points (up to $800 in value) during your first year. Receive 15,000 Aventura Points when you spend $3,000 or more in the first 4 monthly statement periods.
• Get a one-time annual fee rebate ($139) for you (the primary cardholder) and up to three authorized users ($50 each): over $189 value.
• Enjoy 4 complimentary visits with the Visa Airport Companion Program.
• Plus, get a NEXUS Application Fee rebate: a $50 value.
• Offer applies to newly approved card accounts only.
• 2x for every $1 spent on travel purchased through the CIBC Rewards Centre.
• 1.5x on for every $1 spent at eligible gas stations, electric vehicle charging stations, grocery stores and drug stores, up to $80,000 annual spend.
• 1x for every $1 spent on all other purchases.
• 1x for every $4.00 spent on a CIBC Global Money Transfer, through June 30, 2022.
• Redeem points for airline tickets, merchandise, gift cards and more.
• Apply points to your CIBC Aventura card balance or select CIBC financial products.
• $139 annual fee.
• Access to more than 1,300 airport lounges across the globe. Priority Pass membership with 4 complimentary lounge visits a year. Zip in and out of the country with a rebate on one NEXUS™ application fee every 4 years.
• Fly any airline with points that don’t expire.
• Use Aventura Points to cover full airfare including taxes and fees.
• Link your Journie Rewards card to save on every fill-up at participating Pioneer, Fas Gas, Ultramar and Chevron gas stationsabout the features of this card.
• Visa’s Zero Liability Policy and Fraud Alerts.
• Valuable insurance included: Out-of-Province Emergency Travel Medical Insurance, Flight Delay and Baggage Insurance, Auto Rental Collision and Loss Damage Insurance, $500,000 Common Carrier Accident Insurance, Purchase Security and Extended Protection Insurance, Hotel Burglary Insurance and Mobile Device Insurance.
• Access to installment plans through CIBC Pace It.
• Preferred rates: 20.99% for purchases, and 22.99% for cash advances (21.99% for Quebec residents).
• To be eligible, a $15,000 individual annual income is required and you must be a Canadian resident that has reached the age of majority in your province.

Best for: Students

Cibc aeroplan® visa card for students.

• 1x Aeroplan points per dollar on gas, electric vehicle charging, groceries and Air Canada travel purchases, up to $40,000 annual spend.
• 1x Aeroplan points per $1.50 spent on all other purchases, including gas, electric vehicle charging, groceries and Air Canada travel purchases that exceed the $40,000 threshold.
• Earn points twice at over 150 Aeroplan partners and 170+ online retailers through the Aeroplan eStore.
• Aeroplan Points never expire and can be redeemed for a variety of travel, merchandise, gift card, and other rewards offered by Aeroplan’s participating partners and suppliers.
• $0 annual fee.
• Get three free months of Uber Pass for discounts on rides, meals and more. Offer ends September 8, 2022.
• Earn 1 Aeroplan point for every $6 spent on CIBC Global Money Transfer, with no transaction fees or interest as long as you pay your balance on time. Offer ends June 30, 2022.
• Maximize your points by adding up to three additional cards and giving them to your spouse or other family members. Points can be shared with other Aeroplan members in your household.
• Earn points by using your CIBC Aeroplan Visa to automatically make recurring bill payments.
• Receive preferred pricing when paying for flights with your Aeroplan points.
• Save up to 25% on car rentals at participating Budget and Avis locations worldwide when paying with your card.
• Save up to 10 cents per litre at participating Chevron, Ultramar and Pioneer gas stations if you link your card with Journie Rewards.
• Use the CIBC Pace It feature to make installment payments on large purchases.
• Four types of insurance are provided: auto rental collision and loss damage insurance, purchase security, extended protection insurance, and $100,000 in common carrier accident insurance.
• Preferred rates: 20.99% for purchases, 22.99% for cash advances.
• To be eligible, you must have full-time status in a college or university.

Best for: Businesses

Td® aeroplan® visa* business card.

• Earn up to 60,000 Aeroplan points¹, with no Annual Fee in the first year¹. Conditions Apply. Account must be opened by June 3, 2024.
• Earn 2 Aeroplan points for every dollar spent on eligible purchases made directly with Air Canada, including Air Canada Vacations.
• Earn 1.5 Aeroplan points for every dollar spent on eligible travel, dining and select business categories, such as shipping, internet, cable and phone services.
• Earn 1 Aeroplan point for every dollar spent on all other eligible purchases.
• Earn points twice when paying with a TD Aeroplan Visa Business Card and providing an Aeroplan number at over 150 Aeroplan partner brands and more than 170 online retailers via the Aeroplan eStore.
• Points can be redeemed for flights, hotels, merchandise, gift cards and more. They can also be used to pay down the card’s balance.
• Linked cards earn 50% more Aeroplan points and Stars at participating Starbucks stores.
• $149 annual fee — rebated in the first year.
• Free first checked bag for up to 9 people travelling on the same reservation on Air Canada flights.
• One free one-time guest pass to Maple Leaf Lounges for every $10,000 in net purchases. Maximum of 4 passes a year.
• Reach Aeroplan Elite Status more quickly by earning 1,000 Status Qualifying Miles and one Status Qualifying Segment for every $5,000 in net purchases.
• Access online reporting, review business expenses, managing existing credit limits and apply spend controls through the TD Card Management Tool.
• Visa SavingsEdge program: save up to 25% on eligible business purchases.
• Travel benefits: travel medical insurance (up to $2 million in coverage for the first 15 days for those under 65; coverage lasts for 4 days for those 65 and older); common carrier travel accident insurance (up to $500,000 for covered losses), trip cancellation insurance (up to $1,500 per insured person; maximum of $5,000), trip interruption insurance (up to $5,000 per insured person; maximum of $25,000), flight/trip delay insurance (up to $500 if a flight or trip is delayed for longer than 4 hours), delayed and lost baggage insurance (up to $1,000 of overall coverage per insured person), auto rental collision/loss damage insurance (covers the full cost of a car rental for up to 48 days), hotel/motel burglary insurance (up to $2,500), mobile device insurance (up to $1,000 in coverage).
• Toll-free emergency travel assistance services.
• Receive a rebate of up to $100 on NEXUS enrolment application/renewal fee costs once every 48 months.
• Save a minimum of 10% on the lowest available base rates in Canada and the U.S., and a minimum of 5% on the lowest base rates internationally on qualifying car rentals at participating Avis and Budget locations.
• Visa Zero Liability protection, Verified by Visa and instant alerts to prevent fraudulent card use.
• Purchase security and extended warranty protection.
• Minimum credit limit of $1,000.
• Interest rates: 14.99% on purchases, 22.99% on cash advances.

Best for: USD purchases

Rogers mastercard®.

• 10% cash back on purchases for the first 3 months (up to $1,000 spend).
• 2% cash back – no limits. Exclusively for eligible Rogers, Fido or Shaw customers.
• 1% unlimited cash back on eligible non-U.S. dollar purchases.
• 5 Roam Like Home days at no cost with an eligible Rogers mobile plan (up to $75 value).
• 50% more cash back every time you redeem for Rogers, Fido or Shaw purchases.
• No annual fee.
• To apply, you must be the age of majority, be a resident of Canada, and have not filed for bankruptcy in the last seven years or have worked with a trustee under a formal Consumer Proposal.
• Rogers Bank is not responsible for maintaining or controlling the accuracy of the information published on this website. For full and up-to-date product information, visit Rogersbank.com.

Best for: Rewards on travel spending

Td® aeroplan® visa infinite privilege* credit card.

• Earn up to $2,900 in value† including up to 85,000 Aeroplan points (enough for a round trip to Honolulu†) and additional travel benefits. Conditions Apply. Account must be approved by June 3, 2024.
• Earn a welcome bonus of 20,000 Aeroplan points when you make your first purchase with your new card†.
• Earn an additional 40,000 Aeroplan points when you spend $10,000 within 180 days of Account opening†.
• Plus, earn a one-time anniversary bonus of 25,000 Aeroplan points when you spend $15,000 within 12 months of Account opening†.
• Earn 2 points† for every $1 spent on eligible purchases made direct through Air Canada® purchases (including Air Canada Vacations®).
• Earn 1.5 points† for every $1 spent on eligible gas, grocery, travel and dining purchases.
• Earn 1.25 points† for every $1 spent on all other purchases made with your Card.
• Earn points twice when you pay with your Card and provide your Aeroplan number at over 150 Aeroplan partner brands and at 170+ online retailers via the Aeroplan eStore.
• Global Airport Lounge Access†: Receive a complimentary membership to the Visa Airport Companion† Program hosted by Dragonpass International Ltd. and take advantage of six lounge visits included for each Cardholder per membership year at over 1,200 airport lounges worldwide. Enroll through the Visa Airport Companion App or through visaairportcompanion.ca
• Complimentary Visa Infinite Concierge† : On-call 24 hours a day, seven days a week, the Visa Infinite Concierge can help with any Cardholder request — big or small, to help you get the most out of life whenever you travel, shop and use your Card.
• Visa Infinite Luxury Hotel Collection†: Receive seven exclusive benefits when you book your stay through the Visa Infinite Luxury Hotel Collection featuring over 900 of the world’s most intriguing properties. Enjoy an additional 8th benefit at over 200 properties, exclusively for Visa Infinite Privilege cardholders.
• Travel Medical Insurance†: Up to $5 million of coverage for the first 31 days. If you or your spouse is aged 65 or older, you are covered for the first 4 days of your trip. Additional top-up coverage is available.
• Trip Cancellation/Trip Interruption Insurance†: For Trip Cancellation coverage of up to $2,500 per insured person, with a maximum of $5,000 for all insured persons, and for Trip Interruption coverage of up to $5,000 per insured person, with a maximum of $25,000 for all insured persons on the same covered trip.
• Flight/Trip Delay Insurance†: Up to $1,000 in coverage per insured person if your flight/trip is delayed for over 4 hours.
• Delayed and Lost Baggage Insurance†: For delayed baggage over 4 hours, up to $1,000 of coverage per insured person for the purchase of essentials, such as clothing and toiletries. For lost baggage, up to $2,500 of coverage per insured person.
• Common Carrier Travel Accident Insurance†: Up to $500,000 of coverage for covered losses while travelling on a common carrier (for example, a bus, ferry, plane, train or auto rental).
• Save time at the border with NEXUS: Enroll for a NEXUS and once every 48 months get an application fee rebate (up to $100 CAD)†. Additional Cardholders can also take advantage of this NEXUS rebate.
• To be eligible, $150,000 annual personal income or $200,000 household annual income is required. Also, you must have a Canadian credit file and be a Canadian resident of the age of majority in the province or territory where you live.

Best for: NEXUS rebates

Cibc aventura visa infinite card.

• Earn 2 points for every $1 spent on travel purchased through the CIBC Rewards Centre.
• Earn 1.5 points for every $1 spent at eligible gas stations, electric vehicle charging stations, grocery stores and drug stores, up to $80,000 annual spend.
• Earn 1 point for every $1 spent on other purchases or on category spending in excess of the $80,000 annual limit.
• Earn 1 Aventura Point for every $4.00 spent on a CIBC Global Money Transfer. There are no transaction fees, and you won’t be charged interest as long as you pay your balance by the payment due date.
• Use Aventura Points to cover full airfare, including taxes and fees.
• To redeem your points for hotel stays, vacation packages, cruises, merchandise, gift cards and one-of-a-kind activities, visit the CIBC Rewards Centre.
• Use your Aventura Points to help pay down your credit card balance or contribute them to select financial products.
• Enjoy an annual fee rebate every year for the primary cardholder of up to $139 if you have a CIBC Smart Plus Account.
• Out-of-province emergency travel medical insurance.
• Flight delay and baggage insurance.
• Trip cancellation and trip interruption insurance.
• Auto rental collision and loss damage insurance.
• $500,000 common carrier accident insurance.
• Purchase security and extended protection insurance.
• Hotel burglary insurance.
• Mobile device insurance.
• Kick back in a comfortable lounge before boarding and enjoy your four complimentary visits with the Visa Airport Companion Program. Zip in and out of the country with a rebate on one NEXUS application fee every four years.
• Score luxury upgrades, tickets and tours through Visa Infinite Exclusive Offers.
• Fly any airline with points that don’t expire. Access personalized travel booking and trip planning with no booking fees through the Aventura Travel Assistant.
• Link your Journie Rewards card to save on every fill-up at participating Pioneer, Fas Gas, Ultramar and Chevron gas stations.
• To be eligible, a $60,000 individual or $100,000 household minimum annual income is required.

Best for: Premium travel perks

Cibc aeroplan® visa infinite privilege card.

• Get up to 110,000 Points: You’ll receive 20,000 Aeroplan points when you make your first purchase, another 30,000 points if you spend $6,000 or more during your first four monthly statement periods, and 60,000 more points as an additional anniversary bonus if you have at least $25,000 in net eligible purchases posted on your account during the first 12 monthly statement periods. This offer only applies to newly approved card accounts.
• 2x Aeroplan points on Air Canada purchases, including Air Canada Travel Vacations.
• 1.5x Aeroplan points on gas, electric vehicle charging, groceries, travel and dining, up to annual $100,000 spend.
• 1.25x Aeroplan points on other purchases.
• Earn points twice by providing your Aeroplan number at over 150 Aeroplan partner brands and over 170 online retailers through the Aeroplan eStore.
• Points can be redeemed for flights, car rentals and hotel stays, as well as complete vacation packages like cruises and all-inclusive resort visits. Points can also be redeemed for gift cards and merchandise sold through the Aeroplan eStore.
• $599 annual fee, which can be reduced by up to $139 each year if you have a CIBC Smart Plus account.
• An annual Worldwide Companion Pass, worth up to $599, to any destination in the world that Air Canada flies when you spend $25,000 on your card.
• Exclusive access to Visa Infinite Luxury Hotel Program, Visa Infinite Dining Series and the Visa Infinite Wine Country Program.
• Reach Aeroplan Elite status sooner by earning 1,000 Status Qualifying miles and one Status Qualifying segment for every $5,000 you spend on eligible purchases.
• Save up to 25% on car rentals at participating Avis and Budget locations.
• Authorized users can access travel benefits when travelling without you by linking their Aeroplan number.
• Access to CIBC Pace It, an installment plan designed to help you pay off large or unexpected purchases over time at a lower interest rate.
• 13 types of insurance provided, including 31-day travel medical benefits (10 days if you’re 65 or older on your departure date) — worth up to $5 million in coverage per insured person.
• To be eligible, $150,000 (individual) or $200,000 (household) annual income is required. You must be a Canadian resident who has reached the age of majority in your province or territory and who hasn’t made a bankruptcy claim in the last seven years.

Best prepaid card

Eq bank card.

• Customers who set up direct deposit on their EQ Bank account will also get a bonus interest on recurring pre-authorized debits.
• Here’s how to get the bonus interest: (a) Set up $500/month or more in either direct deposit for your pay or recurring pre-authorized debits. (b) Applies to your Savings Plus Account, Joint Savings Plus Account and EQ Bank Card¹ balance. (c) Once set it up, they’ll be eligible for the increased rate of 4.00%* for 12 months! (d) Those who already set up the above automatically qualify for bonus interest!
• Free withdrawals from any ATM in Canada.***
• Earn 0.50% cash back on every purchase.***
• Earn 2.50% interest right up until you spend.
• No FX fees, monthly fees, or other hidden fees.
• Use your card anywhere in the world where Mastercard® is accepted.
• Open and fund an EQ Bank Savings Plus Account to start.

Methodology: How we evaluate cards

NerdWallet Canada selects the best travel rewards credit cards based on overall consumer value as well as their suitability for specific kinds of travellers. Factors in our  evaluation methodology  include each card’s annual fee, foreign transaction fees, rewards earning rates, ease of use, redemption options, domestic and international acceptance, promotional APR period, bonus offers, insurance offers, and cardholder perks such as automatic statement credits and airport lounge access.

Summary of the best travel credit cards

Travel rewards credit cards earn points or miles as a reward for making eligible purchases. The type and rate of rewards you earn depends on the travel credit card you have. Additionally, how you can use those rewards may depend on the loyalty program associated with your card.

Why get a travel credit card?

Travel rewards credit cards account for 22% of credit cards in Canada, according to a 2021 report by Payments Canada. Outside reduced travel costs, travel cards can offer travel insurance, airport lounge access , baggage fee discounts, no foreign transaction fees and more. The right travel credit card can help you plan trips and access upgraded services that may have once been out of reach.

Types of travel credit cards in Canada

Generally speaking, there are three different categories of travel rewards credit cards. Knowing how they differ will help you determine what card is best for you.

General travel rewards credit cards

If you’re not loyal to one specific airline or hotel chain, then a general travel rewards program is something that will interest you. The points you earn can typically be used for any type of travel redemption, such as airfare, hotels, car rentals, cruises, and even vacation packages. Since your points don’t belong to one specific program, you have more options.

Some general travel rewards credit cards only allow you to use your points when booking travel through their online portal, while others let you use your points for any travel purchases you charge to your card.

Airline rewards credit cards

Airline credit cards allow you to earn points or miles for a specific airline. What’s interesting about airline credit cards is that the points you earn can usually be used on any airline that’s part of their network.

For example, Aeroplan is the loyalty program for Air Canada. Even if you don’t have one of the best Aeroplan credit cards, you can redeem your points for a flight on any carrier that’s part of the Star Alliance network. There are also some general travel rewards programs, such as Air Miles , that also earn miles and can offer some additional value.

Depending on the tier of your airline rewards credit card, you may get additional perks such as free checked bags, priority boarding and increased status. Having an airline credit card is highly lucrative if you frequently fly with one airline or network.

Hotel rewards credit cards

While some people love the idea of free flights, getting a luxury stay at a nice hotel appeals to other people. Some would argue that hotel rewards are better than airline rewards since some hotel chains have a greater reach. For example, Marriott has over 7,000 properties in 130+ countries, so no matter where you’re travelling, it won’t be hard to find a room where you can use your points.

Hotel rewards credit cards will also typically include benefits that will make your stay more comfortable. For instance, you could get early check-in and late check-out. You could also get free high speed WiFi or enhanced status.

Additional rewards to look for in a travel card

Besides the main rewards categories that come with travel credit cards, consider the additional perks that are included. These extra perks can often be the thing that helps you choose one card over another.

Consider the following benefits that often come with travel rewards credit cards:

• Free checked bags. Airlines charge anywhere from $30-$60 per checked bag, each way, so getting free checked bags can save you a fair amount of money.
• Airport lounge access. Some credit cards include airport lounge access , plus free annual lounge passes. These benefits could easily have a value of over $300, so it can offset any annual fee you might pay.
• Travel insurance. An extensive travel insurance package is included on some credit cards. This could cover things such as medical expenses, trip cancellation, lost luggage, and more.
• No foreign transaction fees. Many credit cards charge a 2.5% fee when you make a purchase in any currency that’s not Canadian dollars. You simply pay the straight exchange rate if your card has no foreign transaction fees .
• Extended warranty. Many credit cards will lengthen your warranty up to one additional year as long as you charge the full cost of the purchase to your card.
• Price protection. If you find a lower price after making a purchase, some credit cards will give you back the difference if it falls within a specific period.
• Concierge service. A credit card concierge can help you with basic tasks such as booking travel, ordering fits and securing event tickets.

As you can see, the list of additional benefits you can get with your travel rewards credit cards can be pretty extensive. Some of the best travel credit cards in Canada will have many of the above benefits, but not all of them. Always prioritize the perks that are important to you when applying for a credit card .

Travel credit card pros and cons

• Earn points or miles to reduce travel costs, like discounted flights and hotel stays.
• Get additional perks, like travel insurance, discounted baggage fees, airport lounge access and more.
• Earn introductory bonus points when you sign up for certain travel credit cards.
• Some cards let you transfer points to airline and hotel loyalty programs.
• Many travel credit cards carry annual fees.
• Blackout periods may restrict when you can redeem your points.
• Introductory bonus offers may require you to spend a large sum of money in a short period of time.
• Some travel rewards points expire if you don’t use them quickly enough.

Using travel rewards

Understanding travel credit card earn rates.

The earn rate on a travel credit card is the number of rewards points or miles you earn on each dollar spent.

Some cards offer a flat rate, meaning you earn the same rewards on every purchase. For example, you may earn 2 points for every $1 you spend with your card.

Most rewards credit cards have a tiered rewards structure when making purchases. The type of structure can vary quite a bit between cards. For example, you may have an accelerated earn rate on purchases made in certain categories, such as travel, groceries, gas and drugstores. All other purchases will use the lower base earn rate.

Ideally, you want to choose a credit card with an accelerated earn rate that is aligned with your spending habits.

“You have to make sure the loyalty program is going to let you do what you want,” says Laura Scheck, vice president of credit cards at Scotiabank. “Or else you’ll end up with points that you can’t necessarily use. And no one wants to be in that situation. Points are fun!”

Additionally, travel credit cards may deliver additional points or miles when you make purchases with their main partner, if they have one. For example, an Aeroplan credit card gives you an accelerated earn rate on Air Canada purchases. Some loyalty programs even have a network of partners where you can earn additional points or miles.

How to calculate the value of travel credit card points

Knowing how to calculate the value of your points or miles is essential since not every redemption value is the same. By establishing a baseline value for your points, you can decide if specific redemptions are worth it — even if you’re not getting the maximum value.

The formula used to determine the value of one point is as follows:

Cash value of the redemption x 100 / number of points required = Cost per point

Let’s say you want to fly from Vancouver to Toronto, and it’s going to cost $585 in cash, or 25,000 Aeroplan points, plus $75 in taxes. You would use the following formula. Note that since you have to pay $75 in taxes, you’d have to subtract that amount from the cash value for an accurate assessment.

$510 x 100 / 25,000 = 2.04 cents per point

This formula can be applied to any redemption regardless of the loyalty program. For example, let’s say you want to redeem 13,400 points for a $100 gift card. Your formula would be the following:

$100 x 100 / 13,400 = .75 cents per point

The flight is a better bang for your points if these redemption options are available with the same program.

Do travel rewards points ever expire?

It doesn’t matter how long you’ve been a loyalty program member or how many points you’ve accumulated; you can lose everything if you’re not paying attention.

Generally speaking, most loyalty programs that belong to an airline or hotel have a defined expiry date of 12 – 18 months. However, that only applies if there’s been no account activity in your account during that time. If you earn or redeem just one point during that time, your clock would reset. Even if you’re not travelling anytime soon, you could make a small redemption or donate some points to ensure you don’t lose the rest of your points.

When it comes to bank credit card rewards programs, it’s unlikely your points will expire as long as your credit card account is in good standing. Your account would only fall out of good standing if it becomes delinquent or your credit card is used for fraudulent activity.

How to redeem travel credit card rewards

Some credit card rewards programs only let you redeem points or miles through their rewards portals. Others allow point redemption for any eligible purchase you make with your credit card.

Rewards programs offered through banks typically have their own website where you can make redemptions. They often have separate tabs where you can choose from travel, gift cards, merchandise, and financial rewards. While this can be handy, you’re typically limited to their offerings — what you see is what you get.

Airline and hotel loyalty programs will almost always allow you to redeem your points or miles directly on their website or mobile app. When searching for flights or hotels, you’ll likely see a box that says “use points.” The prices displayed will be in points, so you’ll know exactly how much you’ll need to make a redemption.

Knowing where to go to redeem your points is important, but you may also want to familiarize yourself with the different point redemption systems.

Travel reward point redemption options

Not all rewards programs are created equal, especially when it comes time to cash in your travel points. These three redemption models tend to be the most popular among travel credit cards:

Consistent points

Consistent points hold a constant value, regardless of season or travel destination. This point redemption model is the most transparent and user-friendly of the three.

Fluctuating points

The value of fluctuating points can be impacted by several factors, including travel destination and time of year. A point may carry less value when travelling during peak season instead of in the off-season. This model can make it challenging to determine the value of your points when trip planning. Look for any provider-issued charts or tables that outline what factors impact the value of your points.

Point transfers

Point transfers let you transfer points to affiliated rewards programs. This model may be useful for those trying to take advantage of multiple rewards programs. The catch? The value of your points may be different once they’ve been transferred, which means you’ll need to figure out the transfer ratio before you make a decision.

What to know about credit card travel insurance

For many, travel insurance is essential — especially when venturing outside Canada. While it’s likely the last thing you want to worry about when on vacation, medical emergencies happen. And your federal, provincial and territorial health plans may not cover the medical expenses you incur while travelling. That’s where travel insurance comes in.

Not only does travel insurance help cover medical expenses, it can also offer trip cancellation coverage, vehicle damage insurance, flight delay insurance and more.

You can get travel insurance from a third party, like a travel agent or insurance provider, but many travel credit cards offer it , too — and at no added cost to the cardholder.

Out-of-province travel emergency medical insurance

Travel medical insurance isn’t only for those travelling outside Canada; it can also provide coverage for those exploring another province or territory. Your provincial plan may not extend to emergency medical expenses incurred out of province. Out-of-province medical insurance can provide coverage for a range of medical needs and services, from prescription medication to emergency evacuations and hospital stays.

If your travel card offers out-of-province medical insurance, ask your provider about coverage limitations. Your medical expenses may not be covered if they’re the result of a pre-existing medical condition or high-risk activity, like bungee jumping or motorized racing.

Travel accident insurance

This type of insurance can be useful in the event of accidental injury or death while travelling on public or ticketed transportation, sometimes referred to as a common carrier. Some policies only cover accidents that happen on airplanes while others encompass a wider range of common transports, like trains, ships and buses.

Travel interruption/cancellation insurance

Trip cancellation coverage reimburses non-refundable travel expenses if your trip gets cancelled. Eligible cancellation circumstances may include dangerous weather conditions, pregnancy complications or the death of an immediate family member.

Trip interruption coverage activates once you’ve departed and reimburses non-refundable travel expenses if your trip is cut short. Again, not every circumstance will qualify for trip interruption coverage. Covered reasons for heading home ahead of schedule are often similar to those that qualify for cancellation coverage.

Flight delay insurance

Flight delays are frustrating, but they happen. If your flight is postponed and you need to book a place to stay or grab a bite to eat while you wait, flight delay insurance may reimburse those costs.

Lost/delayed baggage insurance

If your bags are delayed, this type of insurance will cover the cost of essential items you may need to purchase — like clothes or toiletries — while you wait for your bags to arrive. And if your bags are lost outright, you may be covered up to a predetermined amount for your lost property.

Rental car collision/loss damage insurance

If you plan to rent a car on your next trip, collision and damage insurance may come in handy. This insurance covers costs associated with theft or damage to your rental car. But it doesn’t replace liability insurance — the insurance that provides coverage if you injure someone or damage another vehicle on the road.

Your personal auto insurance policy may come with liability insurance that extends to rental vehicles, but contact your insurance provider to confirm you’re covered before you hit the road.

To take advantage of your credit card’s collision and damage insurance, you’ll need to decline coverage offered by your car rental company.

Hotel/motel burglary insurance

If your hotel or motel room is broken into while on the road, this coverage will reimburse you for the loss of stolen goods up to a set amount. Not all stolen items may be eligible for reimbursement.

How to choose the right travel credit card

Every credit card is good for at least one thing, so deciding on which card is best for you can be difficult. Here are some important criteria you can use to compare different travel credit card options.

Welcome bonus

If you’re trying to decide between several travel cards with similar rewards, the tiebreaker can often be the sign up bonus. Some credit cards offer a generous welcome offer that covers the annual fee or jumpstarts your rewards collection with thousands of free points or miles.

Every credit card has a base earn rate, but many of the best travel credit cards in Canada have an increased earn rate for specific bonus categories — like the TD First Class Travel® Visa Infinite* Card, which offers up to 8x the points per dollar spent on travel through its online Expedia portal.

If you have a general travel credit card, you could earn extra points on categories such as groceries, gas, pharmacies and more, like the Scotiabank Passport® Visa Infinite* Card , which offers 2x the points on food, drink and groceries . The earn rate is essential since choosing a card that lines up with your spending habits can quickly increase the number of points or miles you earn.

If you’re firmly against paying an annual fee for your credit card, you’ll instantly narrow down your choices. That said, there are some instances where an annual fee is worth the cost . Travel credit cards with a yearly fee typically have more benefits than their fee-free counterparts.

Reward flexibility

Having a lot of points is meaningless if it’s hard to redeem them. Look for a loyalty or rewards program where you know you’ll be able to use your points without much trouble. This means programs with no blackout dates and multiple redemption options.

You’ll also want to consider whether the program has any transfer partners, as that’s another way to use your points. Additionally, knowing if and when your points expire is key to ensuring you don’t lose your hard-earned rewards.

Perks and benefits

Besides the type of rewards, welcome bonus and earn rate, additional perks may sweeten the deal and sway your decision.

“Lounge access is always very important,” says Scheck. “It’s nice to have as you’re catching your flight. It’s a little bit quieter — a bit of an oasis from the rest of the airport.”

Another make-or-break consideration? Foreign transaction fees. Scheck says they can really add up, especially if you’re making a lot of transactions while travelling. A card with no transaction fees, like the Scotiabank Gold American Express® Card , can help you save in the long run.

Scout for travel card perks when comparing your options: 

• Seat upgrades.
• Room upgrades.
• Premium lounge passes.
• Entertainment ticket presale access.
• Car rental discounts.
• Priority check-in and boarding.
• Various types of credit card insurance.

How to apply for a travel rewards credit card in Canada

Make sure you’re eligible.

Different travel credit cards have different eligibility criteria, so check whether you meet a card’s requirements before you begin the sign-up process. Here are some general eligibility criteria you may encounter when applying for a travel credit card:

• Canadian resident with a Canadian credit file.
• Age of majority in the province or territory where you live.
• Minimum annual income thresholds.

Fill out the application

When you apply for a credit card , you’re typically able to follow an online application process that can be completed from the card issuer’s website. Here’s a general rundown of the application process:

• Review the card’s details, terms and conditions.
• Enter your personal information, including your full name, date of birth, residential address and mobile phone number.
• Enter your Social Insurance Number.
• Enter your financial information, including your annual income and monthly expenses.
• Verify your identity by submitting photos of your original government-issued ID, like your passport or Driver’s Licence.
• Review the information you’ve supplied and submit your application.

Keep in mind that applying for a credit card may impact your credit score .

Tips to maximize your travel credit card rewards

If you’ve decided that a travel credit card is for you, follow these few tips to ensure you get the most out of your credit card rewards .

• Pay your bills in full and on time, so you don’t pay any interest.
• Make sure you meet the minimum spending requirement to get your welcome bonus.
• Pay attention to your earn rate and use your rewards card on purchases that earn extra points.
• Research your rewards program so you know what you can do with your points or miles.
• Calculate the value of your points before making a redemption.
• See if your loyalty program has a partner network where you can earn additional points.

Although choosing a travel credit card may require you to do some research, the value you get is often worth it. Getting free stuff on points feels great, especially if it’s something you’ve been saving a long time for.

FAQs for Canada’s Travel Reward Credit Cards

Yes, travel credit card rewards can expire. Most loyalty programs that belong to an airline or hotel have a defined expiry date of 12 – 18 months. However, that only applies if there’s been no account activity in your account during that time. If you earn or redeem just one point during that time, your clock would reset.

When it comes to bank rewards programs, your points may never expire as long as your credit card account is in good standing. Of course, your account would only fall out of good standing if it becomes delinquent or you use your credit card for fraudulent activity.

In most cases, a good credit score — generally 660 to 724 — is required to get the best travel credit cards. However, some secured credit cards and prepaid options offer rewards, and are more suitable for people with lower credit scores.

About the Author

Shannon Terrell is a lead writer and spokesperson for NerdWallet, where she writes about credit cards and personal finance. Previously, she was a writer, editor and video host for financial…

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Our permanent residence fees have increased

The fees for all permanent residence applications increased on April 30, 2024. If you paid your fees before April 30, but have not yet submitted your complete application, you will need to pay the difference .

You can pay your fees in different ways depending on the fee type and where you are paying from. Answer the questions below to get payment instructions.

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Citizenship, inadmissibility, other applications and services, temporary residence, electronic travel authorization (eta), international experience canada.

The International Experience Canada participation fee increased by $5 (from $156 to $161) on December 1, 2022.

Study Permits (including extensions)

Temporary resident permit, visitor visa (including super visa) or extend your stay in canada.

To be eligible to pay the maximum fee of $500 (in Canadian dollars):

• family members must all apply at the same time and same place
• your children must qualify as dependants

Work Permits (including extensions)

Work permit maximum group fee: To qualify, you must be a group of three or more performing artists and their staff, and apply at the same time and place.

If you also need visitor visas (temporary resident visas), you still need to pay for them individually. For visitor visas, the group fee only applies to families.

Permanent Residence

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These fees apply to:

• Quebec business immigration
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Home Child Care Provider Pilot and Home Support Worker Pilot

If you are applying for a work permit, you must pay for it separately :

• pay your caregiver fees and get your receipt, then
• pay your work permit fees and get another receipt.

Include both receipts with your application.

Economic immigration (including Express Entry)

• Agri-food pilot
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Humanitarian and compassionate

These fees also apply to the

• Health-care worker permanent residence pathway
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• Temporary resident to permanent resident pathway (TR to PR pathway)

Permanent resident cards

Your permanent resident (PR) card can only be delivered to an address in Canada. If you are outside Canada and don't have a valid PR card, or if your card is lost or stolen, apply for a  permanent resident travel document  to return to Canada.

Permanent resident travel document

Permit holders class.

The Minister of Immigration, Refugees and Citizenship may grant permanent resident status to an inadmissible foreign national based on humanitarian and compassionate or public policy grounds.

Protected person

Right of permanent residence fee.

For most permanent residence applications, you need to pay the right of permanent residence fee (RPRF) when your application is approved. You will have to pay it before you can become a permanent resident.

You can pay the RPRF at the same time as your application fees to avoid delays. If we approve your application before you pay it, we will contact you to explain how.

We will refund the RPRF if you withdraw or we refuse your application. The RPRF is the only fee that we can refund after we start processing your application.

The RPRF does not apply to:

• the dependent children of a principal applicant or sponsor
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• sponsorship applications for an orphaned brother, sister, niece, nephew or grandchild or
• protected persons, including applicants eligible on humanitarian and compassionate grounds and convention refugees.

Apply for an RPRF loan .

Adopted children and other relatives

Note: If you are applying under the Family Class, you can pay your fees when the sponsor files the sponsorship application.

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Spouse, partner or children (abroad), spouse, partner or children (in canada), citizenship - application fees, other citizenship fees and services, authorization to return to canada, rehabilitation, repay your removal expenses.

If you are a citizen of certain countries or territories, you have to give your biometrics (fingerprints and photograph) when you apply for a:

• visitor visa
• study permit or
• work permit.

Find out if you need to give biometrics .

Note: The biometrics fee covers:

• collecting fingerprints and a digital photo
• moving your documents between our visa office and the VAC where you gave your biometrics

If your children qualify as dependants and need to give their biometrics, you can pay the family fee.

Note:  The biometrics fee covers the following costs:

• transferring your documents between our visa office and the VAC where you gave your biometrics

If your children qualify as dependants , you can pay the family fee.

Note:  The biometrics fee covers the cost of collecting fingerprints and a digital photo. If your children qualify as dependants , you can pay the family fee. The biometrics fee also covers the VAC core services if you submit your application through a VAC.

Core services include:

• checking that applications are complete
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• tracking online applications.

Canadian passports and travel documents

To find fees and payment options for Canadian passports and travel documents, visit Pay your fees for a Canadian passport, a travel document or other services .

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Notes: Employer Compliance – group of entertainers (3 or more):  To be eligible for the group fee, you must make your offers of employment to a group of three or more foreign nationals, consisting of performing artists and their staff, at the same time.

Verify your status or replace an immigration document

Request a refund.

Find out how to request a refund and which fees are eligible.

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• Passports, travel and living abroad
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Entry requirements

This information is for people travelling on a full ‘British citizen’ passport from the UK. It is based on the UK government’s understanding of the current rules for the most common types of travel. 

The authorities in Canada set and enforce entry rules. If you’re not sure how these requirements apply to you, contact the Canadian High Commission in the UK .

COVID-19 rules

There are no COVID-19 testing or vaccination requirements for travellers entering Canada.

Passport validity requirements

To enter Canada, your passport must be valid for the length of your planned stay.

If you’re travelling through another country on your way to or from Canada, check the entry requirements for that country. Many countries will only allow entry if you have at least 6 months validity remaining on your passport. 

Visa requirements

To enter or transit through Canada, most people need a visa or an Electronic Travel Authorization ( eTA ) – not both.

Check if you need a visa or an eTA online .

You do not need a visa for short visits (normally up to 6 months). You may need an eTA instead.

You do not need an eTA , if you are:

• arriving by land and sea – you must have acceptable travel documents and ID
• a British-Canadian dual national – you must have a valid Canadian passport

See Canada’s entry requirements for full details of eTA and visa requirements.

Contact the Canadian High Commission in the UK if you are unsure about visa requirements or your eligibility to enter the country, for example, if you have a criminal record or have been arrested.

Checks at border control

Canadian border officials may ask you to show a return or onward ticket and proof that you have sufficient funds to support yourself for the duration of your stay, even if you are staying with family or friends.

Visas for permanent residence, study or work

See information on visas for permanent residence, study or work in Canada .  

Transiting through Canada

If you are travelling through Canada (transiting) by air, you must have an eTA or a transit visa.     

If you have questions, contact:

• your airline
• Immigration, Refugees and Citizenship Canada
• your nearest Canadian high commission, embassy or consulate

Find out more about transiting Canada .

Visa and eTA scams

Some unauthorised websites charge for submitting visa applications. These websites are not associated with the Canadian government.

You can check your eTA status online with the Canadian government . If it has been 72 hours since you applied, and you have not received confirmation of your application, complete an enquiry form .   

Travelling with children

If a child travels alone or with only one parent or legal guardian, they should carry a letter of consent from the non-travelling parents or guardians. Immigration officers have the right to question children using simple and appropriate language to see if there are any concerns about child abduction.

For more information, check with the Canadian High Commission in the UK or the Canada Border Services Agency .

Vaccine requirements

For details about medical entry requirements and recommended vaccinations, see TravelHealthPro’s Canada guide . 

Customs rules

There are strict rules about goods that can be taken into and out of Canada . You must declare anything that may be prohibited or subject to tax or duty.

The Canadian authorities will confiscate banned food products and you could get a fine. For more information, see importing food, plants or animals to Canada .

If you visit a farm or have contact with wild animals before entering Canada, and plan to visit a farm during your stay, you must declare this on your Customs Declaration Card. For more information, see biosecurity at the Canadian border .

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The ambush of hidden fees

From: Competition Bureau Canada

News release

Saving money can be challenging these days. Especially when you are buying something you need, only to find that additional fees were tacked on. Some companies offer low prices to attract consumers, but then add mandatory fees so that the prices are not attainable.

May 15, 2024 – GATINEAU, QC – Competition Bureau

Saving money can be challenging these days. Especially when you are buying something you need, only to find that additional fees were tacked on.

Some companies offer low prices to attract consumers, but then add mandatory fees so that the prices are not attainable.

The mandatory fees can include:

• processing fees
• booking fees
• cleaning fees
• administrative fees

This practice is called drip pricing and is against the law unless the additional fixed charges or fees are imposed by the government, such as sales tax.

If that charge or fee is variable rather than being fixed, it could still raise concerns under the law.

Misleading claims like drip pricing only serve to deceive and harm consumers. They make it difficult to comparison shop and can lead you to make uninformed decisions.

Signs of drip pricing:

• The price you see is not the price you pay.
• The true total cost of a product or service is not displayed upfront. You shouldn’t have to scroll down or read the fine print to find the total price of an item.
• There are additional charges you weren’t expecting. The only mandatory fees you should pay are the ones imposed by the government, such as sales tax.

If you come across one of these practices report it to the Competition Bureau.

The Competition Bureau enforces the Competition Act that addresses drip pricing. The Act has recently been amended to increase the penalties for misleading advertising and deceptive marketing practices.

Related products

• Drip pricing and the Competition Act
• The Deceptive Marketing Practices Digest with update on drip pricing
• Misleading representations and deceptive marketing practices
• Recent changes to the Competition Act related to drip pricing
• Deceptive marketing practices – Cases and outcomes
• Consumer and business alerts

For media enquiries, please contact: Media Relations Email:  [email protected]

For general enquiries, please contact: Enquiries  |  Complaints

Stay connected: Twitter  |  Facebook  |  LinkedIn  |  YouTube  |  RSS Feed  |  Email Distribution List

The Competition Bureau is an independent law enforcement agency that protects and promotes competition for the benefit of Canadian consumers and businesses. Competition drives lower prices and innovation while fueling economic growth.

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