Why the headline number misleads
One card earns 6 points per dollar and another earns 1.5, but the points are worth different amounts, so the earn rate alone tells you little. Divide the value of a point by the number of points you earn to get a return per dollar spent.
Values the issuers state
TD states that every 200 TD Rewards points are worth $1 on Expedia For TD travel, which is 0.5 cents per point, so 6 points per dollar is about a 3% return redeemed that way. RBC redeems non-flight travel at 100 Avion points per dollar, and WestJet states 100 WestJet points equal $1 toward an eligible base fare or package. The Amex Cobalt values points used for purchases at 1 cent each, and Scotiabank's Scene+ examples work out to about 1 cent per point.
Airline points can be worth more
Flight redemptions can beat a flat 1 cent per point. TD's offer maths for Aeroplan assumes about 2 cents per point on flights, and CIBC's example of 60,000 points worth up to $1,200 of travel implies about 2 cents. These are issuer examples, and the real value depends on the route and the price of the ticket.
Work out your own value
Pick a trip you would really take. Divide the cash price by the points the program asks for, and use that figure, not the best case, when you compare cards. If the points price is high compared with the cash price, pay cash and save the points.
The cards in this guide
Facts come from each issuer's own pages and were last verified October 28, 2026. Confirm current terms with the issuer before you apply.
- TDTD First Class TravelCard shapeVisa
TD First Class Travel Visa Infinite Card
$139 annual fee · 2.5% foreign transaction fee · TD Rewards
Read the full card profile - RBCRBC Avion Visa InfiniteCard shapeVisa
RBC Avion Visa Infinite
$120 annual fee · 2.5% foreign transaction fee · Avion Rewards
Read the full card profile - TDTD Aeroplan Visa InfiniteCard shapeVisa
TD Aeroplan Visa Infinite Card
$139 annual fee · 2.5% foreign transaction fee · Aeroplan
Read the full card profile - CIBCCIBC Aventura Visa InfiniteCard shapeVisa
CIBC Aventura Visa Infinite Card
$139 annual fee · 2.5% foreign transaction fee · Aventura Rewards
Read the full card profile
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TripRadr is not a lender, broker or financial adviser. This guide is general information, not financial advice. Rates, fees and benefits change, so confirm them with the issuer. See how we compare cards.