Pointshogger

"Get the best return possible for every $ you spend."

Top Hybrid Credit Cards

Below are the top hybrid credit cards in Canada (sorted by annual fees):

 


American Express Cobalt Card

American Express Cobalt Card

  • $10 monthly fee
  • No annual fee for a supplementary cardholder (maximum of 9)
  • Earn 30,000 points sign up bonus (earn 2,500 monthly bonus points after spending $500 in the first 12 months, for a total of 30,000)
  • Earn 5 points on grocery and restaurant purchases
  • Earn 2 points on travel and transit purchases
  • Earn 1 point for every $1 on all other purchases
  • Receive $100 USD hotel credit (each anniversary year)
  • Apply-Now


CIBC Aventura Infinite Visa

CIBC Aventura Infinite Visa

  • $120 annual fee (first year fee waived if you apply before February 28, 2019)
  • $50 annual fee for a supplementary cardholder (maximum of 3 cards)
  • Earn 20,000 points sign up bonus after first purchase (earn 15,000 after your first purchase and another 5,000 after spending $1,000 in the first 4 months)
  • Earn 3 points at select CIBC bonus rewards Establishments
  • Earn 2 points on purchases made with the CIBC Aventura Rewards Centre
  • Earn 1.5 point for every $1 spent on gas, groceries and drug stores
  • Earn 1 point for every $1 on all other purchases
  • Receive 4 complimentary Priority Pass lounge passes per membership year
  • Rebate $100 (up to) on NEXUS application once every 4 years
  • Apply-Now


RBC Avion Infinite Visa

RBC Avion Infinite Visa

  • $120 annual fee (first year fee waived if you apply before February 28, 2019)
  • $50 annual fee for a supplementary cardholder
  • Earn 25,000 sign up bonus points (earn 15,000 upon approval and another 10,000 after spending $1,000 in the first 3 mnoths) (if you apply before January 2, 2019)
  • Earn up to 5 points for every $1 spent on the RBC Rewards eMall
  • Earn 1.25 point for every $1 spent on eligible travel related purchases
  • Earn 1 point for every $1 spent on all other purchases
  • Have at least $60,000 in personal annual income or $100,000 in annual household income
  • Apply-Now


HSBC World Elite MasterCard

HSBC World Elite MasterCard

  • $149 annual fee (first year fee waived if you apply before March 31, 2019; except Quebec)
  • No annual fee for supplementary cardholders
  • (Quebec Only) Earn 60,000 sign up bonus sign up bonus points (if you apply before March 31, 2018). Earn 20,000 upon approval and another 40,000 points after spending $1,000 within 90 days)
  • (Rest of Canada) Earn 30,000 sign up bonus sign up bonus points (if you apply before March 31, 2018). Earn 20,000 upon approval and another 10,000 points after spending $1,000 within 90 days)
  • Earn 6 HSBC points for every $1 spent on travel purchases
  • Earn 3 HSBC points for every $1 spent on all other purchases
  • Receive $100 annual travel enhancement credit
  • Receive a Boingo membership
  • No foreign transaction fees
  • Have at least $80,000 in personal annual income, $150,000 household income or have $400,000 asset under management
  • Apply-Now


American Express Gold Rewards

American Express Gold Rewards Card

  • $150 annual fee
  • $50 annual fee for a supplementary cardholder (first one is free)
  • Earn 25,000 sign up Membership Rewards bonus points (after spending $1,500 in the first 3 months)
  • Earn 2 points for every $1 spent on drug store, gas, grocery and travel purchases
  • Earn 1 point for every $1 spent on all other purchases
  • Earn 1 additional point for every $1 spent on car rentals and hotels through American Express Travel
  • Receive $100 USD hotel credit (each anniversary year)
  • Apply-Now


RBC Avion Infinite Privilege Visa

RBC Avion Infinite Privilege Visa

  • $399 annual fee
  • $99 annual fee for a supplementary cardholder
  • Earn 25,000 sign up bonus points
  • Earn 1.25 point for every $1 spent on all purchases
  • Receive 6 complimentary Priority Pass lounge passes per membership year
  • Have at least $200,000 in personal or household annual income
  • Apply-Now


American Express Platinum

American Express Platinum Card

  • $699 annual fee
  • $175 fee for supplementary cardholders
  • Earn 50,000 (or 60,000 if referred) sign up Membership Rewards bonus points (after spending $3,000 in the first 3 months)
  • Earn 3 points for every $1 spent on dining (in Canada only)
  • Earn 2 points for every $1 spent on travel
  • Earn 1 point for every $1 in all other purchase
  • Receive a $200 Annual Travel Credit (every card anniversary year)
  • Receive airport lounge access worldwide (along with a companion)
  • Receive Platinum concierge service
  • Apply-Now


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Pointshogger aims to provide analysis and updates on earning loyalty reward points and maximizing the value of your points. We hope to inspire our readers to experience the joy of travel and make the most out of what they've already got!

  • Ottawa | Vancouver
  • @pointshogger

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