The Minimalist Travel Credit Card Portfolio

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 Hilton Honors; 5:6 to Marriott Bonvoy
• 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.