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All points programs

Every points program worth earning in Canada

The currencies behind every Canadian rewards card — what they’re typically worth, who issues them, and which cards earn them. Click any program for transfer partners, redemption notes, and the full earning lineup.

Programs tracked
15
Cards covered
62
Last reviewed
May 13, 2026
Transferable
3
Best for premium cabins
Aeroplan
Air Canada
Air Canada’s frequent-flyer currency — strong on Star Alliance partner award space.
1.5¢ – 4.0¢Airline9 cards →
Most flexible
Amex Membership Rewards
American Express
Most flexible Canadian currency — 1:1 transfers across Star, SkyTeam, and oneworld.
1.5¢ – 4.0¢Transferable8 partners5 cards →
Avion
RBC
RBC’s rewards currency — transfers to British Airways Avios, Cathay, WestJet, and American.
1.5¢ – 4.0¢Transferable5 partners5 cards →
British Airways Avios
British Airways
oneworld currency — sweet spots on short-haul partner flights and West Coast hops.
1.5¢ – 4.0¢Airline1 card →
BMO VIPorter
Porter Airlines
Porter’s VIPorter points, earnable via BMO’s co-branded cards.
1.4¢ – 2.5¢Airline2 cards →
United MileagePlus
United Airlines
Star Alliance currency — earn directly via the Neo United card in Canada.
1.3¢ – 1.8¢Airline1 card →
Bonvoy
Marriott
Marriott’s loyalty program — best value via 5th-night-free awards and off-peak nights.
0.9¢ – 1.8¢Hotel2 cards →
Cash Back
Various
Direct cash value with no redemption complexity — every cent is exact.
1.0¢ exactFixed-value14 cards →
CIBC Aventura
CIBC
CIBC’s travel currency — transfers to British Airways, Cathay, and Air Canada at fixed ratios.
1.0¢ exactTransferable4 partners5 cards →
Rogers Cash Back
Rogers Bank
Cash back redeemable against Rogers/Fido/Shaw bills (or any purchase).
1.0¢ exactFixed-valueTransfer-in →
Scene+
Scotiabank
Scotia/Cineplex/Empire — redeem 1¢ each for travel, groceries, or movies.
1.0¢ exactFixed-value6 cards →
WestJet Rewards
WestJet
WestJet dollars — fixed value on WestJet flights, no blackout dates.
1.0¢ exactAirline2 cards →
MBNA Rewards
MBNA
Redeem for travel, gift cards, or statement credit at ~1¢ per point.
0.98¢ – 1.00¢Fixed-value2 cards →
BMO Rewards
BMO
Redeem via the BMO travel portal at roughly 1¢ per point.
0.7¢ exactFixed-value4 cards →
TD Rewards
TD
Redeem via Expedia for TD at a fixed 0.5¢ per point on travel.
0.5¢ exactFixed-value4 cards →