Best travel credit cards in Canada for 2026 and which one skips the FX fee

Trek Guide Scotiabank's Passport Visa Infinite is the only card here with no foreign transaction fee. TD Aeroplan suits Air Canada flyers; RBC Avion has the top… By Bishnu Adhikari · Sep 27, 2026 Read the full story

For most Canadians who travel abroad, the Scotiabank Passport Visa Infinite is the card to beat, because it is the only card here we could confirm charges no foreign transaction fee — RBC and TD add 2.5% to everything you buy in another currency. If you fly… Travel Himalaya Nepal · News Read the full story

The four cards side by side

The fees are close; the difference is the foreign transaction fee and what each card earns on. Three of the four are Visa Infinite cards with a $60,000 personal or $100,000 household income requirement. The Cobalt is an American Express card billed monthly. Travel Himalaya Nepal · News Read the full story

The foreign transaction fee is the number that matters abroad

A 2.5% foreign transaction fee costs $25 on every $1,000 you spend in another currency, which on a big trip can wipe out a year of points. RBC states its rate as 2.5% over its benchmark exchange rate, and TD adds a 2.5% conversion fee on its Canadian-dollar… Travel Himalaya Nepal · News Read the full story

Scotiabank Passport Visa Infinite, best for spending abroad

This is the card we would carry out of Canada: no foreign transaction fee, six airport lounge passes a year and a $150 fee. It earns 3 Scene+ points per dollar at Sobeys, Safeway, IGA and other partner grocers, 2 per dollar on dining, entertainment and… Travel Himalaya Nepal · News Read the full story

TD Aeroplan Visa Infinite, best for Air Canada flyers

If you fly Air Canada, the free first checked bag for you and up to eight companions on the same booking can repay the $139 fee on a single trip. The bag benefit applies when travel starts on an Air Canada flight. The card also earns 1.5 Aeroplan points per… Travel Himalaya Nepal · News Read the full story

RBC Avion Visa Infinite, biggest welcome bonus

The Avion offer is the largest here at up to 70,000 points, and the everyday earning is the weakest. You get 35,000 points on approval, 20,000 after $5,000 in the first six months and a one-time 15,000-point anniversary bonus; the offer runs to 25 November… Travel Himalaya Nepal · News Read the full story

American Express Cobalt, best for spending at home

The Cobalt earns the most on food in Canada, 5X at restaurants, grocery stores and food delivery on up to $2,500 a month, but it is a home card, not a travel one. It also pays 3X on streaming, 2X on gas, transit and ride share in Canada and 1X on everything… Travel Himalaya Nepal · News Read the full story

Using a Canadian card in Nepal

In Nepal a card is a city tool: it works at a small number of upmarket hotels, large agencies and perhaps one or two restaurants per city, usually with a 3—4% surcharge, and not at all on the trail. That is our own field reporting from Kathmandu and Pokhara… Travel Himalaya Nepal · News Read the full story

Keep reading

The four decisions that choose a card, with every comparison in one place. The card-machine question that costs travellers most. The cards and passes that actually get you in. How earning and redeeming really work. The small errors that quietly cost the most… Travel Himalaya Nepal · News Read the full story

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