Maximizing U.S. Travel Rewards Credit Cards for Canadians   

Imagine jetting off to Paris using the points gained with one sign-up bonus or spending time in a VIP suite in an airport- all at a fraction of the price. For Canadians, U.S. travel rewards credit cards unlock a treasure trove of benefits, including huge bonuses and redemption flexibility, which in many cases outweigh the Canadian offerings. Why settle for less when you can tap into these rewards? This guide will explore ways in which Canadians can gain access to U.S. travel rewards cards, maximize their value, and avoid the most common pitfalls, all while creating a strategy to travel smarter. Tailored for Canadians dreaming of budget-friendly adventures, we’ll break down the process with clarity and practical tips. For insights on Canadian cards to complement these strategies, check out our guide on Top Travel Credit Cards for Canadians.  

Why Canadians Should Consider U.S. Travel Rewards Cards

The U.S. credit cards tend to have greater sign-up bonuses (e.g., 60,000+ points), high-end features such as lounge access, and flexible rewards programs. For Canadians, these cards can stretch travel budgets further, especially for frequent U.S. or international trips. Rewards such as Chase Ultimate Rewards or American Express Membership Rewards can be transferred to other partners like Aeroplan, offering flexibility. To access these, however, we need a U.S. credit history or cross-border banking, which we will discuss next.

The catch? The increased yearly charges and the risks of foreign exchange require proper planning. Pairing these with Canadian no-fee cards can balance costs—explore options in our No-Fee Credit Cards in Canada for 2025.

How To Apply for U.S. Credit Cards as A Canadian

Canadians can apply for U.S. cards by establishing a U.S. credit history. Start with a cross-border bank such as RBC, which provides U.S. accounts and cards via RBC Bank. In other cases, cards issued by issuers such as Chase or Amex use an Individual Taxpayer Identification Number (ITIN). Alternatively, apply Individual Taxpayer Identification Number (ITIN) when using cards issued by issuers like Chase or Amex.    

The other alternative is the Global Transfer program of American Express, which enables you to capitalize on your Canadian credit history details at American Express. You will require an address in the U.S. (that of a friend or a mailbox service) and a bank account in the U.S. It is always advisable to verify eligibility with issuers to prevent rejections. Secured cards can help beginners; learn more in our guide on Top Secured Credit Cards in Canada. 

Top U.S. Travel Rewards Cards for Canadians in 2025

The following are three of the best cards available to Canadians:

• Chase Sapphire Preferred Card: Earn 60,000 bonus points when you spend 4,000 within 3 months (equivalent to approximately $750 in travel). Annual fee: $95. Ideal for flexible redemptions. Details at  Chase. 
• Capital One Venture X Rewards Credit Card: This card has 75,000 miles upon spending $4,000 and access to airport lounges. Annual fee: $395. Great for luxury travellers. See Capital One. 
• American Express® Gold Card: Earns transferable points to Aeroplan, perfect for Canadians. Annual fee: $250. Check Amex.

These cards require a U.S. credit file, but they can be achieved through cross-border strategies.

Strategies to Maximize Rewards and Points

The best way to maximize U.S. cards is by prioritizing sign-up bonuses- meet spending requirements in a strategic manner on everyday expenses. Assign bonus categories (e.g., dining, travel) to cards and redeem the points with high-value partners such as Aeroplan or United MileagePlus. Combine with Canadian cashback cards for non-travel spending—see our Best Cashback Credit Cards in Canada for options.

Pool points with Canadian cards for bigger redemptions. Make monthly balance payments to prevent interest, and look for annual fee credits or waivers (e.g., Venture X has a $300 travel credit). A disciplined approach can yield thousands in travel value annually.

Common Pitfalls and How to Avoid Them

Rewards can be eroded by high annual fees and foreign transaction fees. Choose cards with no foreign fees, like Chase Sapphire Preferred. Do not carry balances; the interest rates on U.S. cards are high (20%+). Watch out for the 5/24 rule of Chase, which restricts approvals when you have opened five cards within 24 months–plan applications carefully.

The tax implications of rewards are low, but they should be discussed with a professional. Finally, note exchange rates when paying U.S. bills to avoid currency loss.

Building and Maintaining U.S. Credit History

A U.S. credit score is essential for approvals. Begin with a secured card or RBC’s U.S. Visa Signature Black Plus, which does not require a U.S. credit history. Make payments on time and maintain low utilization. Transfer Canadian credit history to select U.S. issuers through use of services such as Nova Credit.

Check your U.S. credit report regularly through Equifax. Frequent use and payments will produce a high score, unlocking premium cards over time.

Take the Next Step

U.S. travel rewards cards have the potential to revolutionize the way Canadians travel and provide unmatched value. Begin by opening a bank account in the United States or checking out the Amex Global Transfer. Research cards, apply strategically, and maximize rewards with disciplined spending. For personalized advice, consult a financial advisor or visit Global Investor for more wealth-building tips. A sign-up bonus could be all you need to take your next dream trip!