We ranked every major Canadian loyalty program based on point value, ease of use, redemption flexibility, and coverage. Here are the winners — from grocery staples to travel powerhouses.
Last updated: March 2026 · Independently researched
Varies by redemption (typically 1,000 points = $1).
1
Aeroplan
9/10
Aeroplan is Air Canada's loyalty program, allowing members to earn points on Air Canada and 45+ Star Alliance partner flights, as well as on everyday purchases with hundreds of retail, dining, and hotel partners. Points can be redeemed for flights, upgrades, hotels, merchandise, and more. Aeroplan is widely regarded as Canada's best travel loyalty program.
✅ Top pros:
• Canada's largest travel rewards program with unmatched route coverage.
• No fuel surcharges on partner airline redemptions.
❌ Watch out:
• Dynamic pricing on Air Canada flights can lead to very high point requirements.
• Best credit cards often have high annual fees ($139+).
Canada's largest retail loyalty program, combining Shoppers Optimum and PC Plus. Earn and redeem points at Loblaw, Shoppers Drug Mart, Esso, Mobil, and more. With a fixed rate of 1,000 points = $1, it's the easiest program to understand and one of the best for families.
✅ Top pros:
• Massive network: Earn and redeem at 2,400+ Loblaws stores and Shoppers Drug Mart.
• Simple "Cash-Back" style: 10,000 points always equals $10 off at checkout.
❌ Watch out:
• Requires manual "offer loading" via the app or website every week.
• Points can only be redeemed in increments of 10,000 ($10).
Canadian Tire's popular retail loyalty program. Earn Canadian Tire Money (CT Money) on everyday purchases at Canadian Tire, Sport Chek, Mark's, Party City, and Gas+ or Essence+ locations. With no confusing points system ($1 CT Money = $1 CAD), it's straightforward and rewarding for sports gear, automotive, and household essentials.
✅ Top pros:
• No confusing point conversions ($1 CT Money = $1 CAD off).
• Can redeem ANY amount — no need to reach a 10,000 point threshold.
❌ Watch out:
• Base earn rate without a Triangle Mastercard is very low (0.4%).
• CT Money can only be spent at partner stores, not on travel or groceries.
Hilton Honors is the loyalty program for all Hilton brands, covering 8,600+ properties in 139 countries. Members earn Points for hotel stays and more, and enjoy exclusive benefits, flexible redemptions, and elite status perks. The program features four tiers: Member, Silver, Gold, and Diamond, each unlocking additional rewards and recognition.
Avion Rewards is RBC's loyalty program for credit and debit card holders, offering points, cash back, and exclusive deals on travel, shopping, and more. Members can earn and redeem points at over 2,000 brands, access special partner offers, and use the ShopPlus browser extension and mobile app for extra savings. The program features flexible redemption, partner tie-ins, and personalized offers.
WestJet's loyalty program. Members earn WestJet dollars on flights, vacation packages, and partner purchases, redeemable for flights and travel with no blackout dates.
Sephora's Beauty Insider program is a free loyalty program for beauty enthusiasts. Members earn points on purchases, receive exclusive offers, birthday gifts, and access to special events. The program features multiple tiers with increasing benefits including free shipping, exclusive products, and early access to sales.
BMO's upcoming loyalty program, launching in Summer 2026 as the replacement for the AIR MILES program. Blue Rewards will feature a simplified single-currency system (Blue Points), a new travel portal powered by Expedia, and expanded partner integrations.
✅ Top pros:
• Seamless automatic transition for existing AIR MILES collectors.
• Eliminates the complexity of split Cash and Dream balances.
❌ Watch out:
• Program does not officially launch until Summer 2026.
Scene+ is one of Canada's most versatile coalition loyalty programs, created from the merger of Scene (Cineplex) and Scotiabank Rewards. Earn points on movies, dining at Swiss Chalet, Harvey's, Montana's, East Side Mario's, travel via Expedia for Scene+, groceries at Empire stores (Sobeys, FreshCo, Safeway), and more. Redeem for movies, dining, travel, gift cards, and merchandise.
✅ Top pros:
• Cineplex et les partenaires restauration sont essentiels — sans eux, moins attrayant.
• Les prix Expedia for Scene+ sont parfois plus élevés qu'en réservant directement.
Metro's loyalty program for groceries and pharmacy. Earn Moi points on purchases at Metro, Super C, Brunet, and more. Redeem for discounts at checkout.
American Express' premium rewards program offering flexible points for travel, merchandise, gift cards, and more. Points can be transferred to airline and hotel partners, used for statement credits, or redeemed for a wide variety of rewards.
Air Transat's Kids Club is a free membership program for children aged 2 to 11, offering special perks to make family travel more enjoyable. Members receive benefits such as priority check-in at select airports, a welcome kit with games and activities, small gifts during flights (when available), and special attention from crew members. The program is designed to enhance the travel experience for young passengers and their families. It is not a frequent flyer loyalty scheme and does not involve earning or redeeming points.
CIBC Aventura is CIBC's flexible travel rewards program, available through a range of Aventura credit cards. Earn Aventura Points on everyday purchases and redeem for flights, hotels, car rentals, merchandise, gift cards, and more. Enjoy travel insurance, airport lounge access, and exclusive travel benefits with select cards.
Nike Membership offers exclusive access to products, events, and experiences. No points, but members get early access to releases, free shipping, and more.
PC Financial is the banking arm of President's Choice, offering credit cards and the PC Money Account. All PC Financial products earn PC Optimum points on every dollar spent, everywhere. It is the most effective way to accelerate your PC Optimum points earning for free groceries and beauty products.
✅ Top pros:
• The absolute fastest way to earn PC Optimum points.
• No annual fees on most PC Financial Mastercard products.
❌ Watch out:
• Points earned are limited to the PC Optimum ecosystem.
• Mastercard products require a minimum income for premium tiers (World Elite).
One of Canada's oldest coalition loyalty programs. Earn AIR MILES Reward Miles at national partners like Shell, BMO, and via airmilesshops.ca. Miles can be collected as 'Cash Miles' for in-store discounts or 'Dream Miles' for travel and merchandise.
✅ Top pros:
• Cash Miles provide a very simple, guaranteed value (95 miles = $10).
• Long history and widespread name recognition in Canada.
❌ Watch out:
• Earning miles at physical retail partners can be slow compared to grocery-specific programs.
• Dream Mile flight redemptions can have high fees depending on the route.
GoodLife Rewards is a member benefits program for GoodLife Fitness members, offering exclusive savings, perks, and discounts at over 100 partner brands across travel, finance, food, electronics, clothing, health, and more. Members also get access to contests and special promotions.
Tims Rewards is Tim Hortons' free loyalty program. Earn points on every purchase — coffees, donuts, sandwiches, and more — and redeem them for free food and beverages. With over 4,000 locations across Canada, it's one of the easiest programs to earn from every single day.
✅ Top pros:
• Ubiquitous — Tim Hortons is everywhere in Canada, so earning is effortless.
• No card required — just scan the app or link a payment method.
❌ Watch out:
• Point value is relatively low compared to competitors like Starbucks Rewards.
• Rewards are limited to Tim Hortons — no partner network.
Petro-Canada's free loyalty program for drivers. Earn points on fuel, car washes, and convenience store purchases at more than 1,500 Petro-Canada stations across Canada. Redeem for fuel discounts, car washes, gift cards, and more. Bonus offers and a handy app make it a must-scan for commuters.
✅ Top pros:
• Earns on every fill-up and convenience store visit automatically.
• Car wash redemptions offer strong per-point value.
❌ Watch out:
• Point value is low — it takes a lot of driving to accumulate meaningful rewards.
• Redemption options are narrower than multi-category programs.
Plum Rewards is Indigo's free loyalty program. Members earn points on almost every purchase at Indigo, Chapters, and Coles stores and online at indigo.ca. Points can be redeemed for discounts on future purchases, and members receive exclusive offers, personalized recommendations, and early access to promotions. Plum+ is the paid premium tier, offering additional benefits including 10% off almost everything and free shipping.
Home Depot Pro Xtra is a free loyalty program for professionals, contractors, and frequent shoppers, offering rewards, discounts, and business tools to save time and money. Available in both the US and Canada, Pro Xtra provides quarterly rewards, paint discounts, volume pricing, and exclusive perks for members.
Telus Rewards is a loyalty program for Telus customers, offering points for paying bills and engaging with Telus services, redeemable for gift cards, bill credits, and more.
Enfamil Family Beginnings is a rewards and support program for parents, offering savings, samples, and resources for Enfamil A+ products. Members can join for free or upgrade to Premium for additional benefits, including a Welcome Box with full-size products and exclusive discounts.
Great Canadian Rewards is the unified loyalty program for all Great Canadian Entertainment destinations in Ontario, allowing members to earn and redeem rewards across 12 casinos. The program offers a mix of new and expanded benefits, including comp dollars, exclusive offers, and tiered status with increasing perks.
Momentum is Casino Niagara's new loyalty program, offering rewards for gaming, dining, and entertainment. Members earn Momentum Dollars and enjoy exclusive benefits and offers.
My Club Rewards is the loyalty program of Gateway Casinos & Entertainment Limited, available at their casino properties in Ontario, British Columbia, and Alberta. Members earn points through gaming and redeem them for free play, dining, and exclusive offers.
Similac Club is a free program for Canadian parents and caregivers, offering up to $300 in value through samples, coupons, rebates, and support for Similac products. Members receive valuable information, exclusive offers, and personalized support throughout pregnancy and early childhood.
Western Canada's grocery and retail loyalty program. Earn points at Save-On-Foods, PriceSmart Foods, and partner merchants. Redeem for groceries, travel, gift cards, and more.