For travelers who want maximum rewards with minimum complexity, this two-card setup is the best way to earn and redeem travel points while keeping costs low.
1. The Must-Have Travel Rewards Card
American Express Cobalt Card
- 5x points on dining, groceries, and food delivery
- 2x points on transit and gas
- 1:1 transfer to Aeroplan and hotel partners
- Flexible redemption for travel or statement credits
Why get it? This is a must-have. No card matches its earning potential for travel points. If you must skip it, consider a high-earning Visa/Mastercard, but nothing truly replaces it.
2. The Essential Airline Card
CIBC Aeroplan Visa Infinite
- 1.5x Aeroplan points on gas, groceries, and Air Canada purchases
- 1x Aeroplan point on all other purchases
- First checked bag free on Air Canada flights
- Aeroplan preferred pricing for discounted flight redemptions
Why get it? This card is the best entry-level Aeroplan option. The free checked bag alone covers the fee for many travelers.
Alternatives for Specific Needs
- Frequent WestJet Travelers: Consider the WestJet RBC World Elite Mastercard for free checked bags and companion vouchers.
- No-Fee Aeroplan Option: The CIBC Aeroplan Visa Card still gives Aeroplan preferred pricing with no annual fee.
Need Lounge Access?
If airport lounge access is a priority, check out our Ultimate Canadian Travel Credit Card Portfolio for premium card options.
Conclusion
This two-card setup keeps things simple and efficient. Earn top-tier travel points with the Amex Cobalt, and get Aeroplan perks with the CIBC Aeroplan Visa Infinite.
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