Credit Cards Benefits Comparison Chart

There are hundreds of reasons to use a credit card for purchases whenever you can. Most cards offer incredible amount of benefits for the cardholder, that most people do not even know about. Below are tables of the credit card benefits I have compiled, by going through the footnotes sections of each card. I hope this information can help you deciding which card to get.

	Amex MR Gold	Amex MR Platinum	Scotia Momentum Visa Infinite	TD Aeroplan Visa Infinite	TD First Class Visa Infinite	Capital One World Travel
Reward	1MR1/$1	1.25MR1/$1	1point2/$1	1AP3/$1	3 points4/$1	2 points/$15
Bonus	2MR/$1 for gas, groceries, drugstore, travel	–	4point/$1 for gas, groceries, dining, entertainment	1.5AP/$1 for gas, groceries, drugstores, and Air Canada	6 points/$1 book Expedia TD by phone 9 points/$1 book Expedia TD online	–
Travel Medical	$1M	$1M	$1M	$1M	$1M	$1M
Car Rental	$65K	$85K	$65K	$65K	$65K	$65K
Flight Delay	$500/trip	$1000/trip	$500/trip	$500/trip	–	$500
Lost/delayed baggage	$500/trip	$1000/trip	$500/trip	$1000pp	$1000pp	$1000/trip
Travel Accident	$500K	$500K	$500K	$500K	$500K	$500K
Trip Cancellation	–	$1500pp	–	$1000pp	$1000pp	$1000
Tip Interruption	$1500pp	$1500pp	$2000pp	$5000pp	$5000pp	$5000
Purchase protection (damage/theft)	90 days	90 days	90 days	90 days	90 days	120 days
Price Protection	–	–	–	–	–	60 days
Warranty	Double	Double	Double	Double	Double	Double
Other Benefits	25,000 signup MR bonus	60,000 signup MR bonus Priority Pass Annual $200 travel credit Hotel status	15,000 signup bonus	15,000 signup AP bonus MLL lounge pass and Air Canada benefits for reward flights	20,000 signup bonus Discount on Priority Pass	35,000 signup bonus 10,000 anniversary bonus

The Footnotes That Nobody Reads:

1. Membership Reward (MR) points are stored in your American Express account. Membership Rewards points can be redeemed for a statement credit towards travel purchases charged to your Card. There is a minimum redemption requirement of 1,000 points for a $10 credit, the credit will show up immediately as a credit transaction and in your next statement. In addition, MR points can be converted at 1:1 ratio into Aeroplan, Avios, and Hilton HHonors. At a 2:1 ratio into SPG points.
2. Scotia points can be redeemed for a statement credit towards travel purchases charged to your card. There is no minimum requirement, the rate is 1 point per 1 cent. The credit will show up immediately as a credit transaction and in your next statement.
3. Any Aeroplan points earned through TD Aeroplan Visa will go into your Aeroplan account directly, and they are counted towards your Distinction Status. Aeroplan points stay in your account regardless of your cardholder status.
4. TD points must be redeemed through Expedia For TD portal. 10,000 points is worth $50 in credits, and they must be redeemed in 10,000 point increments. TD points do not expire as long as you are a cardholder.
5. Points may be redeemed for travel, gift cards, or cash. See chart below for travel redemption, cash can be redeemed with minimum of 10,000 points for $75.