Our opinions are our own. Loyal Air Canada customers who can spend enough to make use of the card’s airline-specific benefits will get the most value out of the card.

This card offers excellent rewards — not to mention transfer partners — for an unbeatable price. It doesn't offer the perks of an airline- or hotel-branded card, though.

Its credit builder acts like a secured credit card, though it comes with no interest or fees. One Credit Builder would be a shoo-in for our guide on the best credit builder loans, except it has ...