Are you new to Canada for education purposes or a business trip, Have you applied for a job in Canada, or living out your best life as a tourist, maybe a resident? However, you need to spend smartly using credit cards for easy transactions.
Here, I’ve listed for you the best credit cards to use when booking Canadian Flights as an immigrant. Ranging from no-fee credit cards to high class, carrying everyone along.
You win points, Perks, and MILES for every purchase you make. More interestingly, you get incredible annual fee rebates, amazing money backs, zero fees on foreign transfers with travel insurance, and more. You earn as you spend.
Best Credit Cards to Use When Booking Canadian Flights as an Immigrant
The following are the best 10 credit cards to use when booking Canadian Flights as an immigrant.
#1. American Express Cobalt Card
The American Express Cobalt Card rewards perks, rewards, and bonus points. Feel safe and healthy with travel and emergency health insurance.
You get a staggering 30,000 membership reward points in the first year of membership which accrued from 2500 points for every $500 you spent using your card. Plus up with 150,000 reward points for the first year from top-notch dining, drinks, and groceries. You should be counting a good 180,000 reward points annually
Points transfer to popular airlines and luxurious hotels has never been easier using the Cobalt Card. The best part is, you earn 5 points on food, drinks, and groceries with deliveries. Sub and Stream your favorite shows and earn 3 points. With 2 points for every $1 spent on transit and gas purchases. You also enjoy a steady perk of access to awesome events. Read more about The American Express Cobalt Card
Annual Interest Rate: 20.99% on purchases and 21.99% on funds advances
Monthly fee: $12.99
Additional Cards: $0 annual fee
#2 Scotiabank Gold American Express Card
The Scotiabank Gold American Express Card remains the number 1 top travel points reward and best reward card. With up to 8 travel insurance for you. You earn from 1x-6x scene+ points for every eligible purchase and subscription you make.
Enjoy $850 in value with up to 45,000 scene+ points in your first year of membership. The first annual fee of $120was waived. However, This offer lasts until 30 April 2023. You won’t pay a 2.5% charge on all foreign transactions you do which includes online shopping and traveling abroad.
You earn 5 points for every $1 spent on the best restaurants in Canada, groceries, drinks, and fast foods. Not excluding deliveries and subscriptions. Similarly, you earn 5 points on your favorite entertainment ranging from movies to theatre.
Care for these, 3 scene+ points for $1 on gas and daily transit in your choice means ranging from rideshare to buses, subway, taxis, and more. Again, earn 1 Scene point for $1 spent on sundry purchases.
Read here For complete details on the Scotiabank Gold American Express Card
Annual fee: $120/year First-year
annual fee waived
Interest rates: 20.99% on purchases
and 22.99% on cash advances
Minimum credit limit: $5,000
Per extra Card: $29/year
#3 Scotia Momentum
The Scotia Momentum is a No-fee cash back Visa card. Best for new immigrants to Canada with no credit card history.
Earn 5% cash back on all purchases for the first 3 months of membership, with a 0% charge on balance transfers for the first 6 months, which lands you at 22.99% afterward.
You get a 2% cash back for every $1 you spend on eligible gas stations, groceries, drugs, and regular payments of bills. Save up to 25% at AVIS car rentals and budgeting participation locations in Canada and the US. Interestingly, you get a 90 days warranty on most purchases done with your credit card.
Enjoy the great benefits of the Scotia Momentum Visa card living your best.
Annual fee:$0
Interest rates: 19.99% on purchases and 22.99% on cash advances
Minimum credit limit: $500
Each supplementary Card: $15/year
#4 Scotia Momentum Visa Infinite Card
Unlike its counterpart, the Scotia Momentum Visa Infinite Card is a high-earning credit card, best for residents and immigrants to Canada with a credit history. It boasts of being the cash-back card with the most awards in 2022. Plus, complete travel insurance and New Mobile Device Insurance.
With 10% cash back on all purchases for the first 3 months of membership, and a $120 first annual fee waived including on additional cards.
Henceforth, you earn 4% for every $1 spent on groceries and repeat payment of bills, subscriptions, and purchases on merchants like Netflix, truLOCAL and more. Interestingly, you get up to 2% cash back for every $1 spent on eligible gas and daily transit with 1% cash back on other purchases with unlimited cash back rewards and offers
However, see the qualifications for the benefits here
Annual fee: $120/year(First-year annual fee waived)
Interest rates: 20.99% on purchases,
22.99% on cash advances
Minimum credit limit: $5,000
Each supplementary Card: $50/year, First-year annual fee waived
#5 Scotiabank Scene+ Visa Card
Similarly to the Scotia Momentum, the Scotiabank Scene+ Visa card is a no-fee, scene+ bonus points credit card. It’s the people’s choice between 2021, and 2022.
You earn up to 10,000 bonus Scene+ points in the first year of membership. Get access to about 160 Cineplex theatres, and make your choice between 700 high restaurants. No annual fee, including on additional cards. With unlimited 1$ cash back on other eligible daily purchases.
Annual fee: $0/year
Interest rates: 19.99% on purchases
22.99% on cash advances
Minimum credit limit: $500
Each supplementary Card: $0/year
#6 TD Business Travel Visa Card
Best overall business travel card for any magnitude of business. TD Business Travel Visa Card offers a generous welcome offer with a thick insurance collection. You earn handsome rewards on foreign currency purchases with high earning rates on eligible products.
You begin with 150,000 TD rewards points, 30,000 points on your first purchase and 60,000 points on every $5,000 you spend in the first 3 months of card usage. Earn up to 5000 points for every $5000 in the first 12 months.
You won’t pay your first annual fee as a primary cardholder including two extra cards
Enjoy your 9TD reward for a dollar spent booking travels on Expedia using your phone. 6 TD rewards points on all foreign purchases ranging From restaurants and on continuous payment of bills. You become a VIP using a TD business travel card, for you, no travel blackouts, no seat restrictions, and no expiry date on TD reward points.
For complete information visit the TD Business Travel Visa Card
Annual fee: $149 waived in the first year
Annual fee on additional cards: $49 waived for up to three cards in the first year.
Interest rates: 19.99% on purchases, 22.99% on cash advances
#7 TD First Class Travel Visa Infinite Card
You gain groundbreaking rewards when you book travels through ExpediaforTD.com. This is for you if you enjoy free flight earnings and hotel visits.
The TD First Class Travel Visa Infinite Card welcomes you with 145,000 TD rewards which are equivalent to $1,014. You won’t pay your first year’s annual fee as a primary care holder and an additional two card holders, to earn this, apply on 28 May 2023.
8 TD rewards are yours for every $1 used to purchase travel through EpediaforTD.com. You get 6TD reward points for each $1 spent on groceries shops and restaurants. With 4TD points for a dollar on consistent payment of bills using your card. Earn 2 TD rewards points for $1 on other purchases.
TD First Class remembers your birthday with an annual b-day bonus of 10,000 points every calendar year. When you purchase your first travel worth $500 for the year, you receive a $100 TD travel credit.
No travel blackouts, no seat restrictions, and no expiry date on TD rewards points
Annual Fees: $139 rebates in the first year
Interest Rates: 20.99%, 22.99%
Rewards Rate: 2x-8x Points
Intro Offer: 145,000 Points
#8 BMO Air MILES Mastercard
As the name implies, you win Air MILES and discounts on points of admission to major touring in Canada and shows with the BMO Air MILES Mastercard. It’s a No-fee card, your big-time access to unlimited rewards.
800 AIR MILES bonus that’s equal to $80 sure when you spend up to $1000 in the first 3 months of membership terms and conditions apply
As a newcomer, you merit a 0.99% interest rate balance transfer and a transfer fee of 2% up for 9 months.
You win 3 Miles per $25 on any AIR MILES business with 2 Miles when you $25 on the grocery store listed on the cards menu. You get 1 AIR MILE for l $25 spent on card recharge.
Enjoy undisturbed purchase power with purchase protection. More cardholders, more miles. Save up to 10% patronizing the Las Vegas shows, Enjoy 15% off at the Soleil Shows touring Canada with 25% off car rentals at the National Car rental, and at Alamo Rent a car locations.
Annual fee: $0
Rates: 19.99% on purchases, 22.99% on cash advances( special offer 21.99% Quebec residents).
#9 BMO CASH BACK World Elite Mastercard
It’s luxurious and generous. merit attractive rates on cash backs as you shop the best way, with up to 13 travel insurance policies to make sure of your safety, with eight-day out-of-country emergency medical benefits.
you earn 5% cash back on grocery shopping with a 4% cashback on daily transit. Also, you get 3% on gas and 2% on repeat bills payment. A 1% cash back on everything else.
Annual fee. $120
Preferred rates: 20.99% purchases, and 23.99% for cash advances.
Annual Fee: $120 (Waived the first year)
Interest Rates: 20.99%, 23.99%
Rewards Rate: 1%–10%(first timer)
#10 CATHAY PACIFIC RBC Visa Platinum
The RBC Cathay Pacific Visa Platinum remains unchallenged as the only Canadian credit card that serves Asia Air miles. You earn rewards on foreign currency purchases. Best for Cathay why Pacific travelers with travel and emergency medical insurance coverage.
As a primary cardholder, you’re eligible for a Cathay Pacific Premium flight destination of up to 7,500 miles. With access to the Cathay Pacific polo club.
Here you’re welcome with 15,000 Asia Miles. With an offer of 25,000 Asia Miles on a $7,000 CAD purchase in the first 3 months of membership which starts 31 October 2022.
You earn 1 Asia Miles per $1CAD on local spend. With 1.25 Asia Miles for $1 CAD in value with the foreign currency, you spend on purchases.
Your awarded Asia miles grant you access to about 1,000 international travels, including leisure destinations, car rentals, and more
Keep your Asia Miles from expiring when you purchase with your card between 18 months intervals.
Experience unlimited deliveries at $0 delivery fees on eligible orders of $15 when you pay with your eligible RBC credit card.
Annual Fee: $120
Interest Rates: 20.50%, 22.99%
Rewards Rate: 1-2.5 Miles
Intro Offer: Up to 40,000 Miles
FAQS
- How can I redeem my rewards and points?
Sign in to the credit card rewards Portal with a similar bank used for your online banking, choose your credit card, and follow the instructions. However, different credit cards have their unique way of redeeming points, consult the credit card site for guidance.
- How to apply for credit cards?
Click on the links portioned to each card and apply.
- Which is the best credit card for students?
We strongly recommend No fee credit cards. The Scotia Momentum is a No-fee cash back Visa card. Highly recommended for new immigrants to Canada with no credit card history.
Conclusion
Here, I have listed for you the best credit cards to use when booking Canadian Flights as an immigrant. Ranging from no-fee credit cards to high-class credit cards. Spending is good and nothing beats smart spending but earning while spending smartly is top-notch.
Note: the information above is subject to variation, check the bank’s official site for accuracy.
