Credit Cards Benefits Comparison Chart

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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.

One thought on “Credit Cards Benefits Comparison Chart

  1. Pingback: Beginner’s Guide to Quickly Boost Your Aeroplan Miles | Travel For Less

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