Transferable Points Credit Cards in Canada
🇨🇦 7 personal cards in Canada earn bank or issuer points rather than miles from one airline, so the value depends on the airline partners and conversion ratios you can actually use.
Catalog checked 2026-10-20. Figures are in CAD and come from issuer and program sources linked on each card profile.
At a glance
- 7 cards from 2 issuers: American Express, RBC.
- Recorded annual cost runs from $0 (American Express Green Card) to $799 (American Express The Platinum Card).
- Most recorded airline partners: American Express Cobalt Card (5). Recorded partners are not an exhaustive list.
Cards compared
| Card | Annual fee | Earning | Reward / route | Recorded partners | Checked |
|---|---|---|---|---|---|
| American Express Green Card | $0 | 1 Membership Rewards point per CAD 1 eligible purchases. | Membership Rewards points · Bank points | Aeroplan, Flying Blue, Asia Miles, British Airways Club, Delta SkyMiles | 2026-10-20 |
| RBC Avion Visa Infinite | $120 | 1 Avion point per CAD 1 on eligible purchases; 1.25 Avion points per CAD 1 on eligible travel purchases. | Avion points · Bank points | British Airways Club, Asia Miles, American Airlines AAdvantage, WestJet Rewards | 2026-10-20 |
| RBC Avion Visa Platinum | $120 | 1 Avion point per CAD 1 on all eligible purchases, including travel. | Avion points · Bank points | British Airways Club, Asia Miles, American Airlines AAdvantage, WestJet Rewards | 2026-10-20 |
| American Express Cobalt Card | $191.88 | 1 Membership Rewards point per CAD 1 other eligible purchases; 5 eligible Canadian food/groceries up to CAD 2,500 monthly, then 1; 3 eligible Canadian streaming; 2… | Membership Rewards · Bank points | Aeroplan, Flying Blue, Asia Miles, British Airways Club, Delta SkyMiles | 2026-10-20 |
| American Express Gold Rewards Card | $250 | 1 Membership Rewards point per CAD 1 other eligible purchases; 2 per CAD 1 eligible travel and Canadian gas, grocery and drugstore purchases. | Membership Rewards points · Bank points | Aeroplan, Flying Blue, Asia Miles, British Airways Club, Delta SkyMiles | 2026-10-20 |
| RBC Avion Visa Infinite Privilege | $399 | 1.25 Avion points per CAD 1 on all qualifying purchases. | Avion points · Bank points | British Airways Club, Asia Miles, American Airlines AAdvantage, WestJet Rewards | 2026-10-20 |
| American Express The Platinum Card | $799 | 1 Membership Rewards point per CAD 1 other purchases; 2 on eligible Canadian dining and eligible travel. | Membership Rewards points · Bank points | Aeroplan, Flying Blue, Asia Miles, British Airways Club, Delta SkyMiles | 2026-10-20 |
What to check before applying
- Residency, income and credit requirements are set by the issuer and can exclude you even when the card is listed.
- Welcome offers, limited-time transfer bonuses and award availability are deliberately not modelled.
- Confirm the current fee, earning caps, exclusions and expiry on the issuer’s own page before you apply: open a card profile for its sources.
Bank points and airline miles are different currencies. The partner and ratio columns show only what the issuer’s terms state for that card; a missing partner is not proof that no conversion exists.
Related guides for Canada
- All Canada mileage cards
- Airline Co-Branded Credit Cards in Canada
- No-Annual-Fee Miles Credit Cards in Canada
- Business Credit Cards That Earn Miles in Canada
- Cathay Pacific Asia Miles credit cards in Canada
- Air France–KLM Flying Blue credit cards in Canada
- British Airways Club credit cards in Canada
- American Airlines AAdvantage credit cards in Canada
- Air Canada Aeroplan credit cards in Canada
- Air France–KLM Flying Blue program guide
- Cathay Pacific Asia Miles program guide
- British Airways Club program guide
- American Airlines AAdvantage program guide
- Before you transfer points
- Award booking checklist
- US, UK, Canada and Australia overview