Top Travel Credit Cards in Canada for Summer 2025
- William Brazeau
- 6 days ago
- 2 min read
Updated: 4 days ago
Why it’s great for summer travel:
5x points on eats and drinks (great for road trip snacks, patios, and coffee shops)
2x on travel and transit
Points redeemable for flights, hotels, and statement credits
Strong travel insurance package
Annual Fee: $155.88 ($12.99/month)
Sign-Up Bonus: Up to 15,000 points in the first year (terms apply)
Best for: Foodies, urban travelers, flexible point redemptions
Why it’s great for summer travel:
No foreign transaction fees (save 2.5% on purchases abroad or in USD)
5x on groceries, 3x on gas, 2x on transit
Strong Scotia Rewards travel portal for booking flights and hotels
Annual Fee: $120
Sign-Up Bonus: Up to 40,000 points
Best for: Cross-border shoppers, drivers, and deal hunters
Why it’s great for summer travel:
Earn Aeroplan points on Air Canada flights, gas, groceries, and dining
Free first checked bag for you and a companion
Access to preferred Aeroplan flight pricing
Comprehensive travel insurance
Annual Fee: $139 (rebated in first year)
Sign-Up Bonus: Up to 70,000 Aeroplan points
Best for: Air Canada flyers, Aeroplan loyalists, family travel
Why it’s great for summer travel:
4x points on travel, dining, and entertainment
5 annual airport lounge passes via Mastercard Travel Pass
Excellent travel and medical insurance
Annual Fee: $150 (first year waived)
Sign-Up Bonus: Up to 60,000 BMO Rewards points
Best for: Frequent flyers, international travel, event-goers
Why it’s great for summer travel:
Flexible Avion points redeemable for flights on any airline
Travel insurance included
Points don’t expire
No blackout dates
Annual Fee: $120
Sign-Up Bonus: Up to 55,000 Avion points
Best for: Flexible travelers, RBC banking clients
Bonus Pick: Best Credit Card for Summer Road Trips
2% cash back on gas, groceries, and restaurants
Mobile device insurance included
No annual fee
Best for: Road trippers, budget-conscious travelers, digital nomads
What to Look For in a Summer Travel Credit Card
When comparing credit cards for summer travel, keep these features in mind:
Travel Insurance – Covers trip delays, cancellations, lost baggage, and emergency medical.
No Foreign Transaction Fees – Essential for travel outside Canada or online bookings in USD.
Flexible Rewards – Can you redeem for flights, hotels, or car rentals easily?
Perks – Look for lounge access, hotel upgrades, or priority boarding.
Big Welcome Bonus – Maximize your travel savings with sign-up offers.
Final Thoughts: Travel Smarter This Summer
Whether you're flying, driving, or just enjoying summer in your province, these credit cards help you earn rewards and protect your travel. Look at the features that match your lifestyle and spending habits, and make sure to apply before your trip to take full advantage of the perks.
Need help choosing? Check out our latest reviews for detailed breakdowns.
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