How to Get Free Flights With Canadian Credit Cards Today!

How to Get Free Flights With Canadian Credit Cards Today!

Written by GreedyRates
December 23, 2016 547 11

Getting free flights, the holy grail of credit card rewards, is easier than it seems. While some people spend years diligently saving up enough miles to fly free, others have figured out a way to earn free flights in a matter of minutes. We’re here to spill the beans.

Actually, it’s really no secret at all. Travel hacking is the totally legal and cunningly simple craft of getting free flights with credit cards. What makes travel hacking so appealing is that it’s easy, fast and can be used even if you’re not a big spender, frequent flyer or credit card aficionado.

Why spend $25,000 and wait a year to earn enough miles from your credit card for a free flight when you can do so right away just by signing up for a new card offer? In fact, you can sign-up for multiple credit cards and get multiple free flights – every year. Here’s how it’s done.

Get a Travel Credit Card with a Strong Welcome Bonus

Credit card welcome bonuses are one of the easiest ways to get a free flight. Simply apply for a credit card with a sign-up bonus large enough to fund free airfare. You can sign-up for multiple credits cards throughout the year, giving you multiple tickets.

There are a host of Canadian travel cards that offer enough points for free return airfare to anywhere in continental North America including the Amex Gold Rewards card, TD Aeroplan Infinite card and Alaska Airlines MasterCard. Other cards, such as the WestJet RBC World Elite MasterCard and the Scotia Amex Gold Rewards card offer $250 credits towards your flights.

Here’s a list of the best free flight welcome bonuses in Canada today.

Credit CardSign-Up BonusFirst Year FreeAnnual FeeMinimum SpendTransfer Partners
Scotiabank Gold American Express® Card$250 Statement Credit$0$750N/A
American Express® Business Gold Rewards Card40k Membership Rewards$0$5,000Aeroplan 1:1, Avios 1:1
BMO Air Miles Mastercard®800 Air Miles$0$1,000N/A
Best Western MasterCard® credit card20k Best Western Points$0First PurchaseAeroplan, Alaska
MBNA Rewards World Elite® Mastercard® credit card$100 Statement Credit$0First PurchaseN/A
The American Express® AIR MILES Platinum Credit Card2,000 Air Miles$0$1,500N/A
BMO AIR MILES World Elite Mastercard2,000 Air Miles$0$1,000N/A
The Starwood Preferred Guest Credit Card from American Express®20k SPG Points (5,000 point bonus when transferring to Airline partner)$0$500Aeroplan 1:1, Alaska 1:1, Avios 1:1 Marriott
TD Aeroplan Infinite Visa Card30K Aeroplan Miles$0First PurchaseN/A
American Express® Gold Rewards Card25k Membership Rewards ($250 statement credit)$0$1,500Aeroplan 1:1, Avios 1:1
American Express® Business SPG20k SPG Points (5,000 point bonus when transferring to Airline partner)$150$1,000Aeroplan 1:1, Alaska 1:1, Avios 1:1 Marriott
WestJet World Elite Mastercard® RBC$250 WestJet Dollars / Companion Voucher$0First PurchaseN/A
Capital One Aspire Travel World Elite$400 Statement Credit$150$1,000N/A
TD Aeroplan Visa Infinite Privilege Card65K Aeroplan Miles$0First PurchaseN/A
Platinum MasterCard® Business Card60k Membership Rewards$0$1,000Aeroplan 1:1, Avios 1:1
The Business Platinum Card® from American Express®75k Membership Rewards$0$5,000Aeroplan 1:1, Avios 1:1

Be Conscious of Annual Fees, But Don’t Obsess

Try to find a welcome bonus offer that waives the first year annual fee (at the top of the list). In the least, the sign-up bonus should be worth more than the annual fee. Regardless, switching from your current credit card that has an annual fee, to another credit card that has an annual fee but also provides a welcome bonus, will earn you an extra free flight you would not otherwise if you stayed with your old card. In other words, switching pays, with or without an annual fee.

Minimum Spend Requirements

Many credit card welcome bonuses will require that you spend a minimum amount on your credit card within the first 3 months to be eligible for the welcome bonus points. Others will simply require that you activate your card with a purchase. Make sure the minimum spend requirements are reasonable. If you need to engineer some spend to get the bonus, that’s ok, but do it intelligently. Don’t buy something you don’t need just to meet the spend threshold, buy a gas or grocery gift card, something you know you’ll use in the future.

Churning

Churning is the practice of opening up one credit card, getting the welcome bonus, using it, then doing the same thing all over again – rinse, wash, repeat. Many Canadian credit card issuers have now put limitations on the number of times you can sign-up for the same card. However, there are plenty of exceptions, and of course there’s nothing stopping anyone from going from one card to another, rinse, wash, repeat.

One thing to take note of, there are some cards you may want to keep even if they come with an annual fee in the second year. For example, some cards offer free first checked bags for you and up to 8 travelling companions. Other cards come with annual companion ticket vouchers, free hotel nights, 4 lounge access passes, travel insurance, etc… all of which make up for the cost of the annual fee and then some.

Points Transferability

Some rewards programs offer more flexibility than others, because they allow you to transfer your miles or points to other programs. Aeroplan probably has the largest number of miles partners in the Canadian marketplace.

For example, the Amex Gold Rewards card allows you to either redeem your 25,000 point welcome bonus for a $250 travel credit, or you can convert your points 1:1 to 25,000 Aeroplan miles – enough for a free return flight to anywhere in North America.

Points Consolidation

If you’re looking to earn more than one free flight, or maybe enough points for a trip to Europe, or a bump to first class, you may need more than welcome bonus from the same rewards program. The good news is, there are some great strategies available.

Some programs, such as Aeroplan and Air Miles have multiple credit card partners, each offering sign-up welcome bonuses. For example, if you wanted to fly you and your spouse to Florida and back, you can sign up for the American Express Gold Rewards card (transfer points to Aeroplan 1:1) and the TD Aeroplan Infinite card and get a total of 50,000 Aeroplan miles.

However, you can also get credit cards like the Chase Marriott Rewards Visa card and convert their bonus points into Aeroplan Miles – getting even more of the same miles for free!

Double Dip With Your Spouse

Another great opportunity is for both you and your spouse to sign-up for each new card, as opposed to adding your spouse as an authorized user. Taking the Aeroplan example above, you’ll end up with a total of 100,000 Aeroplan miles, with absolutely no annual fee in the first year for either of you!

For most credit cards you’ll able to use household income, as opposed to individual income, to meet minimum income requirements. So even if one spouse isn’t working, they’ll still qualify.

Get Additional Free Flights With Free Stopovers

One of the big, yet vastly under-utilized, advantages of airline rewards programs like Aeroplan and Alaska Airlines, is the ability to book multi-city trips, on one ticket. For example, if you’re flying return from Toronto to Los Angeles, it will cost you 25,000 Aeroplan miles. However, for the same 25,000 Aeroplan miles, you can fly return from Toronto to Los Angeles with up to 2 stopovers along the way, for example, Chicago and Denver.

How Many Cards Can You Apply For in a Year

Many people get concerned that if they apply for too many credit cards in a short period of time, their credit score will suffer. We’re not suggesting you apply for 2 cards at the same time. However, if your credit score is in relatively good shape, applying for a new card every 3-4 months shouldn’t be a problem.

Fly Free Now!

Your ticket to a free flight is as easy as taking the next 10-15 minutes to apply for a new credit card. With so many great credit card sign-up bonuses available in Canada, there’s no easier method to hack your way to free travel than credit card welcome bonuses. Give it a shot with one credit card and see just how easy it is. With plenty of no first year annual fee offers with hefty welcome bonuses, it’s completely free to try!

Article comments

11 comments
Akira says:

Thanks for the timely summary. I should add that CIBC Adventura is FYF and 15,000 Adventura points. How would you rate the value of CIBC Adventura? Similarly how do we value RBC Avion Points and BMO Rewards Points?

RBC Avion (a VISA Infinite) and BMO (a MasterCard Wolrd Elite) seem to be non-FYF in general. BMO has expired 30,000 point ad littered all over the internet, except when you click on it, the linked page shows only 20,000 points

GreedyRates says:

Hi Akira,

We didn’t include the Aventura or Avion offers because they are currently only offering 15,000 point bonuses each. If and/or when they bump up their welcome bonus we’ll be happy to include them on the list. Until then, there are plenty of alternatives we’d prefer Canadians focus on.

With respect to the RBC Avion card, it has some redeeming qualities, giving you the ability to transfer points to WestJet and/or Avios, with bonuses throughout the year to do so. However, the Avion shouldn’t be used to redeem as a statement credit against travel expenses – you lose way too much value and there are much better alternatives in the marketplace offering more value for statement credits.

The BMO Rewards MasterCard also offers pretty good value at 2% per dollar spent on your credit card. But again, why get the BMO card, where you have to redeem your points through BMO’s travel centre, when you can just get the MBNA Rewards World Elite card and get the same 2% per dollar spent and get cash back or redeem it against any expense on your credit card statement?

Hope that helps,

GreedyRates Staff

Robert Levi says:

Great info as always. Are you aware that if you once had the Amex Gold Card & cancelled it (even years ago) that you would not be eligible for the 25,000 bonus points even if you meet the spend requirement? I signed up in August after a friend convinced me to do so ( I think he was getting a lot of referral points) & spent the $1500 right away & was waiting for the 25,000 bonus points. I called 2 months ago & they said , that they would apply the bonus & I would see it in the next statement. When I still did not receive them, i called again last week & the representative told me that I was not eligible, because I once had the Gold Amex card.

I think Amex might be the only one that does this, because TD gave me the bonus points even though I had once had the TD Aeroplan card & cancelled it.

If you know differently, please advise me, so I can get those points from Amex

Robert

GreedyRates says:

Hi Robert,

Amex has put in more restrictions around churning the same card. However, you can apply for multiple different cards from Amex and be eligible for each of the welcome bonuses. You are correct that TD does not have a hard limit on the number of accounts you open and close, so long as you wait 6 months between each one – however, TD does reserve the right not to give an applicant the bonus if it sees that churning is become excessive.

Hope that helps,

GreedyRates Staff

Andy says:

Hi,

Great summary, thank you.

Re: the Chase Marriott Visa, how many Aeroplan points do 30K Marriott rewards turn into? I looked at their chart, which seems to indicate 10K points. Am I reading that right?

Andy

GreedyRates says:

Hi Andy,

That’s correct, you’re reading the conversion rate properly. You can convert 30K Chase Marriott points to 10K Aeroplan miles.

Hope that helps!

GreedyRates Staff

Andy says:

That helps, thank you. Wouldn’t seem to be as good as many of the other cards if the goal is to convert to Aeroplan.

GreedyRates says:

Hi Andy,

It’s not as good an Aeroplan opportunity as some of the other cards – that’s for sure. However, if you’ve exhausted some of the other opportunities, it still adds an extra 10K Aeroplan miles free – no annual fee first year, and no minimum spend.

Good luck!

GreedyRates Staff

Nancy says:

There is also the cost issue of which cards / purchases/ flights are offered in Canadian or US dollar rates. With the exchange rate what it is now, having to pay at a US dollar rate can cost Canadians a lot. We have the dollar exchange rate AS WELL as the FTFee. Even if we have a US dollar bank account, the banks charge that 3% foreign transaction fee to move $ to our US dollar bank account. Any way to avoid this 3%?

GreedyRates says:

Hi Nancy,

That’s a great point. We actually reviewed the best Canadian credit cards to avoid foreign transaction fees here. Several Canadian credit cards charge no foreign transactions fees at all, like the Chase Marriott Visa Rewards card above (1% rewards rate – 0% foreign transaction fee = 1% net rewards rate). Others, such as the Rogers MasterCard offer 4% cash back on foreign purchases (4% cash back – 2.5% foreign transaction = 1.5% net cash back).

Both options are considerably better than a premium travel card which offers 2% rewards, but then charges a 2.5% foreign transaction fee for a net loss of .5% per foreign dollar spent on your credit card.

Moreover, you will be getting an exchange rate from Visa and MasterCard which will be close to the spot market rate – making it far better than going to a retail bank to exchange your money.

Hope that helps,

GreedyRates Staff