Best Travel Credit Cards for Canadians in 2025: A Simple Guide for Everyday Travellers

 As an older traveller who has taken many cruises and long-haul trips, I’ve learned something important: things don’t always go as planned. Flights get delayed, luggage goes missing, and sometimes the body doesn’t cooperate the way we want it to.

That’s why I never book a cruise or vacation without the right credit card — not for the points, not for the perks — but for the insurance.

Travel insurance used to be something I didn’t think much about. Now, it’s the first thing I check. Some credit cards offer only tiny coverage; others can save you thousands when surprises happen far from home.

In this post, I’ll share my favourite credit cards for travellers, especially seniors who want peace of mind while enjoying life’s adventures.

Choosing the right travel credit card can easily save you hundreds of dollars a year — especially if you fly often, enjoy cruises, or have family overseas.

But with so many options, which one is best?

Here’s a simple, senior-friendly guide to the top travel credit cards in Canada for 2025, without the confusing banking jargon.

1. Scotiabank Gold American Express

Best for: flights, groceries, dining
Why it’s great:

• No foreign currency fees

• Excellent travel insurance

• High points value

Perfect for snowbirds and travellers who shop across the border.

2. TD Aeroplan Visa Infinite

Best for: Air Canada Flyers
Why:

• Free checked bag

• Priority boarding

• Strong insurance benefits

Ideal if you visit family overseas regularly.

3. CIBC Aventura Visa Infinite

Best for: flexible points
Why:

• Points can be redeemed on any airline

• Lounge access

• Often a big welcome bonus