The Best Travel Credit Cards for Canadians with Lower Incomes

One of the best ways to make travel more affordable is by using the right credit card — but many of the top options in Canada come with steep income requirements.

For example, Visa Infinite cards usually require at least $60,000 in personal income, and the higher-tier Visa Infinite Privilege cards require a whopping $150,000 in personal or $200,000 in household income.

Meanwhile, qualifying for a Mastercard World Elite product usually requires $80,000 in personal or $150,000 in household income.

But let’s be honest — not everyone hits those numbers. Students, retirees, newcomers to Canada, or new parents on leave all deserve a way to earn travel rewards too.

The good news? There are some solid travel credit cards in Canada that don’t ask for a high income but still deliver great value in points, perks, and flexibility.

Let’s take a look.

Scotiabank Gold American Express® Card

For Canadians who want solid travel perks without sky-high income requirements, the Scotiabank Gold American Express® Card is one of the best picks.

You only need a $12,000 in annual income, and you’ll earn Scene+ points, which is a flexible currency that’s easy to redeem toward flights, hotels, or even rideshares.

Until October 31, 2025, you’ll be eligible for a welcome bonus of up to 50,000 Scene+ points, structured as follows:

30,000 Scene+ points upon spending $2,000 in the first three months
20,000 Scene+ points upon spending $7,500 in the first year

50,000 Scene+ points are worth a cool $500 when redeemed for travel, and you can further pad your balance with the card’s excellent earning rates:

6 Scene+ points per dollar spent on Sobeys, IGA, Safeway, FreshCo, and more
5 Scene+ points per dollar spent on groceries, dining, and entertainment
3 Scene+ points per dollar spent on gas, transit, and streaming services
1 Scene+ point per dollar spent on all other purchases

Scene+ points are super easy to use: they’re worth 1 cent per point toward any travel expense. No need to go through a special portal — just charge your travel to the card and redeem against it later.

Even if you don’t have enough points right away, you’ve got up to 12 months to earn more and redeem them against past travel.

On top of this, the Scotiabank Gold American Express® Card offers one of the best benefits of any credit card in Canada – no foreign transaction fees. While you’ll earn a flat rate of 1 Scene+ point per dollar spent outside of Canada, you also won’t have to pay the pesky 2.5% foreign transaction fee, which is levied by most banks.

Moreover, the card comes with a complimentary concierge service, which is a feature typically reserved for credit cards that require higher minimum incomes. The concierge can help you score tickets to an event, or a preferred reservation at restaurants.

Furthermore, you can register the Scotiabank Gold American Express® card to a plethora of Amex Offers, which have recently included statement credits for United Airlines tickets and Marriott stays.

In sum, the Scotiabank Gold American Express® Card offers incredible value for any would-be globetrotter.

While the $120 annual fee isn’t rebated with the current offer, you can easily offset its cost through the card’s earning rates and features alone.

Scotiabank Gold American Express® Card

Earn 30,000 Scene+ points upon spending $2,000 in the first three months
Plus, earn an additional 20,000 Scene+ points upon spending $7,500 in the first year
Earn 6x Scene+ points at Sobeys, IGA, Safeway, FreshCo, and more
Plus, earn 5x Scene+ points on groceries, dining, and entertainment
Also, earn 3x Scene+ points on gas, transit, and select streaming services
Redeem points for a statement credit for any travel expense
No foreign transaction fees
Enjoy the exclusive benefits of being an American Express cardholder
Annual fee: $120 (waived for the first year)

TD® Aeroplan® Visa Platinum* Card

Next up is the TD® Aeroplan® Visa Platinum* Card, which only requires you to be the age of majority, a Canadian permanent resident, and have an email address. This makes the card a very good starting point for anyone looking to get into the Aeroplan ecosystem.

The card is currently offering a welcome bonus of up to 20,000 Aeroplan points†, structured as follows:

10,000 Aeroplan points upon first purchase†
10,000 Aeroplan points upon spending $1,000 in the first three months†

You can earn the full welcome bonus upon spending $1,000 in the first three months†, which averages out to just over $333 each month.

Better yet, the $89 annual fee is rebated in the first year,† and can be further waived in subsequent years by opening select TD bank account products.†

Note that the earning rates on this credit card aren’t the highest on this list. You’ll earn 1 Aeroplan point per dollar spent† on eligible gas, grocery, and Air Canada purchases,† whilst all other purchases will earn 1 Aeroplan point per $1.50 spent.†

However, the TD® Aeroplan® Visa Platinum* Card also comes with insurance benefits,† including baggage and flight delay, and trip cancellation coverage.† The insurance also covers Aeroplan reward flights,† as long as you pay for the taxes and fees with the card.†

Plus, with an Aeroplan co-branded credit card, you’ll enjoy preferred pricing on Air Canada flights† booked with Aeroplan points.†

TD® Aeroplan® Visa Platinum* Card

Earn 10,000 Aeroplan points† upon first purchase†
Plus, earn 10,000 Aeroplan points† upon spending $1,000 in the first three months
Earn 1x Aeroplan points† on eligible gas, electric vehicle charging, groceries, and Air Canada® purchases, including Air Canada Vacations®†
Preferred pricing on Air Canada® flights through Aeroplan†
Annual fee: $89, rebated in the first year†
Offer available for applications approved on or after January 7, 2025.

RBC® ION+ Visa & RBC® Avion Visa Platinum† Combo

If you’re looking for a smart way to earn points quickly and redeem them for high-value travel, this duo might be your best bet: the RBC® ION+ Visa and the RBC® Avion Visa Platinum†.

Let’s break it down.

Start Strong with the RBC® ION+ Visa

The RBC® ION+ Visa is a sleeper hit when it comes to earning. With no income requirement and a monthly fee of just $4, it’s an ideal entry point for anyone starting their points journey.

Currently, you’ll get 14,000 RBC Avion points upon approval†, with no spending required — a welcome boost for those who want to ease in.

Here’s what you’ll earn on everyday purchases:

3 Avion points per dollar spent on groceries, dining, gas, and streaming
1 Avion point per dollar spent on everything else

And the perks don’t stop there. You can stack extra value by:

Saving 3¢/L at Petro-Canada when you link your card to a Petro-Points account
Earning 1 extra Moi point per $2 spent at participating grocery stores like Metro and Food Basics (minimum purchase applies)

The only drawback? While the ION+ is excellent for earning, it doesn’t allow transferring to airline partners, nor redeeming via the RBC Air Travel Redemption Schedule.

That’s where the RBC® Avion Visa Platinum† comes in.

Earn 14,000 Avion points upon approval†(worth up to $100 in gift cards†)
Earn 3,125 Moi Rewards points upon linking to your Moi card†(worth up to $25 in groceries†)
Earn 3x points† on qualifying grocery, dining, food delivery, gas, rideshare, daily public transit, electric vehicle charging, streaming, digital gaming and digital subscriptions†
Earn 1 extra Moi Rewards point for every two dollars spent at Metro, Food Basics, Super C, Jean Coutu, Brunet and Première Moisson when you scan your Moi card and pay with your linked RBC Card (minimum purchase required).¹¹
Mobile device insurance†
Annual fee: $48 ($4 charged monthly)†

Unlock High-Value Redemptions with the RBC® Avion Visa Platinum†

Pairing your ION+ with the RBC® Avion Visa Platinum† Card unlocks the full potential of your points — both through RBC Air Travel Redemption Schedule and transfers to airline partners.

The Avion Visa Platinum† is the entry-level card in the Avion Elite family, and it comes with no income requirement†. It earns at a slower pace, but makes up for it with premium redemption options.

The card is currently offering 35,000 RBC Avion points upon approval†, without having to spend a dime on the card.

Under the RBC Air Travel Redemption Schedule, the 35,000 points given on approval is enough for a round-trip economy booking in North America, worth up to $700 in ticket price†.

If you manage to earn 55,000 points (say, by pairing with the ION+), you can book a round-trip in economy to Sun destinations, up to a max ticket price of $1,100† – though taxes and fees still apply.

Better yet, you can also transfer Avion points to four airline partners, and then make redemptions from within each program:

As for the card’s other features, the budget-conscious traveller would benefit from the card’s suite of relatively strong insurance.†

The card’s $120 annual fee isn’t rebated in the first year with the current offer†, although it can be offset by opening one of several types of RBC bank accounts.†

RBC® Avion Visa Platinum†

Earn 35,000 RBC Avion points† upon approval†
Earn 1 RBC Avion point per dollar spent† on travel purchases
Transfer RBC Avion points to British Airways Executive Club and other frequent flyer programs for premium flights†
Redeem RBC Avion points with the RBC Air Travel Redemption Schedule†
No minimum income requirement
Annual fee: $120†

American Express Cobalt Card

No list of income-friendly Canadian credit cards would be complete without the legendary American Express Cobalt Card.

Ever since its launch in 2017, this product has been revered as the best pound-for-pound travel credit card by the Miles & Points community. It likewise set a standard of excellence among Canadian credit cards that has often been imitated, but never fully replicated.

To recap, this incredible credit card, which requires no minimum income, earns the following:

5 points per dollar spent on eligible restaurants and groceries (up to $2,500 monthly)
3 points per dollar spent on eligible streaming services
2 points per dollar spent on eligible travel purchases
1 point per dollar spent on all other purchases

Keep in mind that American Express Membership Rewards (MR) points are transferable to a wide variety of partners, including Aeroplan, Air France KLM Flying Blue, British Airways Executive Club, and Marriott Bonvoy, amongst others.

If the earning rates alone aren’t enough to tempt you, consider that new applicants can earn a welcome bonus of up to 15,000 MR points in the first year. However, the welcome bonus requires spending at least $750 each month for a year, which could be onerous for Canadians with lower incomes.

While this card comes with a $12.99 monthly fee ($155.88 annually), the value you’ll be deriving from it is among the best in the entire Canadian credit card market.

American Express Cobalt Card

Earn up to a total of 15,000 MR points upon spending $750 in each of the first 12 months
Earn 5x MR points on groceries, restaurants, bars, and food delivery
Earn 3x MR points on eligible streaming services
Earn 2x MR points on gas and transit purchases
Transfer MR points to Aeroplan, Avios, Flying Blue, Marriott Bonvoy, and more
Enjoy the exclusive benefits of being an American Express cardholder
Bonus MR points for referring family and friends
Monthly fee: $12.99

CIBC Aventura® Gold Visa* Card

The CIBC Aventura® Gold Visa* Card is another unique fixture on this list because its welcome bonus and most of its benefits are identical to those of its Visa Infinite counterpart, the CIBC Aventura® Visa Infinite* Card, which has a higher minimum income requirement.

What separates them is that the CIBC Aventura® Gold Visa* Card only requires a $15,000 minimum personal household income, making it accessible to many Canadians.

While the complimentary insurance coverage on this card isn’t as robust as its Visa Infinite cousin, its earning rates on everyday spending are identical, outlined as follows:

2 points per dollar spent on eligible travel booked directly via CIBC’s portal
1.5 points per dollar spent on eligible gas, groceries, EV charging, and pharmacy purchases
1 point per dollar spent on all other purchases

However, the real magic comes in the form of its welcome bonus, which, compared to other cards, is one of the most generous in Canada relative to the size of the spend.

Currently, the card is offering a welcome bonus of up to 45,000 Aventura Points, structured as follows:

15,000 Aventura Points upon first purchase
30,000 Aventura Points upon spending $3,000 in four months

The welcome bonus points you’ll earn may be redeemed through CIBC’s Aventura portal in a variety of ways, such as gift cards and merchandise.

You may also use fixed amounts of Aventura points to redeem for flights with the CIBC Aventura Flight Rewards Chart.

For instance, 25,000–35,000 Aventura Points will get you a round-trip ticket from Toronto to Las Vegas or Vancouver in economy, up to a maximum base fare of $800.

You can also redeem Aventura points directly against travel purchases charged to the card at 1 cent per point, making it simple and easy to redeem your points. This way, 45,000 Aventura Points from the welcome bonus can yield a total value of $450.

In terms of the card’s other travel features, the CIBC Aventura® Gold Visa* Card has something that’s often not included on cards with lower income requirements: meaningful premium luxury enhancements.

If you’re approved for the card, you’re entitled to four complimentary lounge visits at participating Visa Airport Companion Program lounges per year. Free lounge access is usually a benefit that comes in exchange for high annual fees, so it’s nice to see it provided on a card with lower income requirements.

Moreover, the CIBC Aventura® Gold Visa* Card offers a $100 (USD) NEXUS application fee credit for the primary cardholder – something that’s particularly useful for folks who often make trips to the United States. This is also a benefit included mostly with higher-tier cards.

As part of the current offer, the $139 annual fee is rebated for the first year, which means that you can score all of the above without an out-of-pocket cost in year one.

CIBC Aventura® Gold Visa* Card

Earn 15,000 CIBC Aventura Points after making your first purchase†
Earn 30,000 CIBC Aventura Points after spending $3,000 in the first four monthly statement periods†
Earn 2x CIBC Aventura Points on all eligible purchases through the CIBC Rewards Centre†
Earn 1.5x CIBC Aventura Points on eligible gas, groceries, and drugstore purchases†
Four complimentary lounge visits per year with the Visa Airport Companion Program†
Partial NEXUS application fee credit†
12-month Skip+ free trial and other exclusive benefits when you link your CIBC Aventura® Gold Visa* Card with Skip†
Minimum income: $15,000 household†
Annual fee: $139 (rebated for the first year)†

Conclusion

Travel rewards shouldn’t be reserved for people with massive paycheques and corner offices. Whether you’re a student, on leave, retired, or simply not swimming in six figures, there are still plenty of credit cards that offer great value — without gatekeeping behind high income requirements.

These cards prove you can earn solid points, enjoy travel perks, and save on fees without overextending yourself. All it takes is the right strategy, and maybe a bit of patience.

All it takes is the right card and a little know-how to start turning everyday spending into your next trip.

†Terms and conditions apply.

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