Standard Score ranking · Updated 2026-07-26
An airline co-brand card is a bet on one carrier: companion vouchers, free bags, and points that only spend in one place. That makes the ranking personal — the best card is the one attached to the airline you already fly. (Air Canada flyers: Aeroplan cards have their own ranking.)
Top pick
One of Canada's best airline keeper cards if (and only if) WestJet is your carrier. The companion voucher is the whole business case.
| # | Card | Standard Score | Annual fee | First-year net value | Currency | Current offer |
|---|---|---|---|---|---|---|
| 1 | WestJet RBC World Elite Mastercard RBC | 6.8/10 | $139 | ≈ $460 | WestJet points | See offer |
| 2 | RBC British Airways Visa Infinite RBC | 6.6/10 | $165 | ≈ $875 | British Airways Avios | See offer |
| 3 | BMO VIPorter World Elite Mastercard BMO | 6.3/10 | $199 | ≈ $700 | VIPorter | See offer |
| 4 | Cathay World Elite Mastercard Neo Financial | 6.2/10 | $180 | ≈ $810 | Asia Miles | See offer |
| 5 | BMO Blue Rewards World Elite Mastercard BMO | 6.1/10 | $150 | ≈ $700 | BMO Blue Rewards | See offer |
Rewards math assumes you pay your balance in full every month — interest charges quickly exceed any rewards value.
One of Canada's best airline keeper cards if (and only if) WestJet is your carrier. The companion voucher is the whole business case.
Best for: WestJet households — the companion voucher plus free bags can be worth several hundred dollars a year.
Skip if: You fly Air Canada or internationally — WestJet points don't travel.
$139 annual fee · First-year net value ≈ $460 · WestJet points · See offer
A specialist's card: the bonus is genuinely valuable in the right hands, and close to pointless in the wrong ones.
Best for: Points hobbyists who want Avios for short-haul partner redemptions without transferring through Amex MR.
Skip if: You don't know what an Avios is worth — this card only pays off with deliberate redemptions.
$165 annual fee · First-year net value ≈ $875 · British Airways Avios · See offer
A niche card that's excellent inside its niche: Porter loyalists with real spend get a companion pass and strong earn; everyone else should pass.
Best for: Porter regulars on the Eastern corridor who can hit the companion-pass spend tier.
Skip if: Porter isn't your airline — the points are worthless anywhere else.
$199 annual fee · First-year net value ≈ $700 · VIPorter · See offer
Canada's route to earning Asia Miles directly, with strong insurance for the fee. The DragonPass membership adds no free lounge visits, so value it for the miles.
Best for: Cathay Pacific flyers who want to earn Asia Miles directly and value strong travel insurance.
Skip if: You don't fly Cathay or its partners, or you live in Quebec (the card isn't offered there).
$180 annual fee · First-year net value ≈ $810 · Asia Miles · See offer
A large headline bonus attached to a program that's barely a month old at time of review. Promising on paper, but treat the redemption value as unproven until Blue Rewards has a track record.
Best for: Shoppers at Blue Rewards partner merchants who want a large points bonus and don't mind an unproven, brand-new loyalty program.
Skip if: You want a mature, well-understood points program — Aeroplan or Amex MR cards have a longer redemption track record.
$150 annual fee · First-year net value ≈ $700 · BMO Blue Rewards · See offer
Rewards math assumes you pay your balance in full every month — interest charges quickly exceed any rewards value.
Bottom line: WestJet RBC World Elite Mastercard leads this category at a Standard Score of 6.8/10. Read the full review or see how we score.
WestJet RBC World Elite Mastercard leads this ranking with a Standard Score of 6.8/10. RBC British Airways Visa Infinite is the closest runner-up. See the full comparison table above for how every card in this category scores.
Cards are ranked by the Standard Score — six weighted components applied identically to every card in this category. Cards with the same published one-decimal score are co-ranked. The full weights, grading scale, and principles are published in our methodology.
Usually not — the annual fee mainly buys perks (free bags, priority boarding, companion vouchers) that pay off with frequent travel on that one airline. Occasional flyers are typically better served by a flexible-points or cash-back card, buying any needed perks à la carte instead.
It depends on the program — some allow redemptions on partner airlines within the same alliance, though usually at a worse rate than flying the co-brand airline itself. Check each card's review for its specific partner network before counting on flexibility you may not have.