Below, you’ll find the ten best credit card offers in Quebec in 2024.
For more details, read on or click on the name of a card.
The National Bank World Elite Mastercard® is NBC’s best Mastercard credit card.
Until August 15, 2024, receive up to 40,000 reward points in your first year with our welcome offer, broken down as follows:
With this card, you earn up to 5 points per dollar on your purchases:
And since it’s a National Bank Mastercard credit card, you can use it at Costco.
With this card, you have access to a $150 annual travel credit that you can use in any of these categories:
In addition, you can enjoy access to DragonPass airport lounges and free Wi-Fi with Boingo. And unlimited access to the National Bank Lounge at Montreal-Trudeau.
Finally, Milesopedia voted the National Bank World Elite Mastercard® the Best Travel Credit Card and the Best Credit Card for Insurance in 2023 and 2024.
The Scotiabank Gold American Express® Card only requires a $12,000 minimum income, making it accessible to as many people as possible.
For a limited time, you can earn up to 45,000 Scene+ points in the first year, representing a $450 travel value (including Airbnb). Plus, there is an annual fee rebate for the first year!
With the Scotiabank Gold American Express® Card, you earn 6 points per dollar spent at Sobeys, IGA, Safeway, Foodland, FreshCo, Voilà by Sobeys, Voilà by IGA, Voilà by Safeway, Chalo! FreshCo, Thrifty Foods, IGA West, Les Marchés Tradition, Rachelle Béry and Co-Op.
Also, you earn 5 points per dollar for:
And 3 points per dollar on gas, transit and streaming services purchases.
You can redeem your points on travel purchases (flights, hotels, all-inclusive and even Airbnb). You can also use your points as cash back rewards with Scene+.
The Scotiabank Gold American Express® Card also offers no foreign currency transaction fees, excellent travel and purchase insurance, concierge service and exclusive American Express benefits (Front of the Line Program).
With this welcome offer for the Scotiabank Passport™ Visa Infinite* Card, you earn up to 35,000 Scene+ points as a welcome bonus (a $350 value) :
Then, each year, if you make at least $40,000 in purchases on the card, you’ll earn an annual bonus of 10,000 points, a $100 value.
With the Scotiabank Passport™ Visa Infinite* Card, you earn 3 points per dollar spent at Sobeys, IGA, Safeway, Foodland, FreshCo, Voilà by Sobeys, Voilà by IGA, Voilà by Safeway, Chalo! FreshCo, Thrifty Foods, IGA West, Les Marchés Tradition, Rachelle Béry and Co-Op.
You’ll also earn 2 points for every dollar you spend, including on foreign transactions, in the following categories:
The Scotiabank Passport™ Visa Infinite* Card is an excellent Visa credit card for this type of purchase.
You can redeem your points for any travel purchase at the rate of 1,000 points = $10 (flights, hotels, all-inclusive properties and even Airbnb). You can also use your points as cash back with Scene+, such as at your grocery store checkout at the same rate of 1,000 points = $10.
The Scotiabank Passport™ Visa Infinite* Card also offers:
We voted this credit card the Best No-FX Fee Credit Card of 2024.
The Rogers Red Mastercard® is one of the best no-annual-fee credit cards in Canada, especially for Rogers, Fido or Shaw customers.
Right now, you can earn $60 cash back by making one purchase with your mobile wallet in the first 90 days AND 6 automatic payments from your Rogers, Fido or Shaw postpaid service in the first 8 months.
With the Rogers Red Mastercard®, by having a single qualifying service with Rogers, Fido or Shaw, you can earn 2% unlimited cash back on all your purchases. Eligible services include :
This card is now also available to Quebec residents with a mobile service with Rogers or Fido!
Plus, you get 1.5x more cash back on Rogers, Fido and Shaw purchases – that’s a 3% cash back value.
Plus, as a Rogers Red Mastercard® cardholder, you’ll get 5 days’ free access to Everywhere at Home, every year, on Rogers mobile plans (a value of up to $75).
If you’re not a Rogers, Fido or Shaw customer, you’ll earn 2% cash back on U.S. dollar purchases and 1% unlimited cash back on all other purchases.
The CIBC Aventura® Visa Infinite* Card is one of the best Visa credit cards with travel rewards.
CIBC has an offer with which you can earn up to 45,000 Aventura points:
In addition, you can benefit from a rebate on the first year’s annual fee for the primary card holder ($139 value) and up to three authorized users ($50 each).
With this CIBC Aventura Credit Card, you get:
The CIBC Aventura® Visa Infinite* Card also offers:
The minimum annual income required for this card is $60,000 (personal) or $100,000 (household).
If you don’t meet the income requirements for the CIBC Aventura® Visa Infinite* Card, you can apply for the CIBC Aventura® Gold Visa* Card. The minimum annual income required for this card is $15,000 (household).
CIBC has a digital offer with which you can earn up to 45,000 Aventura points :
The CIBC Aventura® Gold Visa* Card also offers:
With the TD® Aeroplan® Visa Infinite* Card, you can earn up to 40,000 Aeroplan† points:
It’s the best TD credit card for occasional Air Canada travellers.
With the TD® Aeroplan® Visa Infinite* Card, you earn 1.5 points† per dollar of eligible purchases for:
With the MBNA Rewards World Elite® Mastercard®, you can earn 5 points per dollar of purchases for:
Everywhere else, you will get 1 point per dollar.
Enough to make the MBNA Rewards World Elite® Mastercard® the best MBNA credit card for restaurants, groceries, digital media, subscriptions and household utilities.
Knowing that Mastercard recognizes Walmart Supercenters as grocery stores, this is the best credit card for Walmart customers!
Plus, depending on your province of residence, you’ll get a welcome bonus of between 20,000 and 30,000 points, a value of $200 to $300!
And each year, you will receive Birthday Bonus Points equal to 10% of the total number of Points the Account earned in the 12 months before the month of your birthday, to a maximum Birthday Bonus each year of 15,000 Points.
The CIBC Dividend® Visa Infinite* Card is one of the best Visa credit cards with cash back in Canada.
Right now, with this welcome offer, get a 10% welcome bonus in the form of up to $300 cash back (period covered by your first 4 statements) and a first-year annual fee rebate†!
With this CIBC Cash Back Credit Card, you get:
For example, if you spend $1,000 per month on groceries and/or gas and/or electric vehicle charging, you’ll earn $40 cash back per month or $480 cash back per year with this card for this category of purchases!
And that’s not counting the other purchases you’ll make with this card and the advantages it offers (particularly in terms of insurance).
And this CIBC Cash Back Credit Card offers many insurance coverages:
The American Express Cobalt® Card is the best credit card from American Express, whether you want points for travel or cash back.
The welcome bonus is distributed monthly for the first 12 months. You’ll earn 1,250 Membership Rewards points for every $750 in purchases charged to your card during the month (whether in the 1X, 2X, 3X or 5X category). That’s up to 15,000 Membership Rewards points.
You can easily use these points as statement credits for everyday or travel purchases. The value is the same for both: 1,000 points = $10.
Or you can transfer them into Aeroplan points, Avios (British Airways/Qatar Airways), Flying Blue, Marriott Bonvoy or Hilton Honors.
With the American Express Cobalt® Card, you can earn between 1 and 5 points per dollar:
This is a 1 to 5% return on all these purchases.
For example, if you spend $1,000 per month on groceries and/or restaurants and/or food delivery, you’ll earn $50 cash back per month, or $600 cash back per year with this card for this category of purchases!
And if you decide to transfer your points to other programs like Aeroplan, you could get even more value!
In addition, this card provides excellent insurance coverage: rental car theft and damage, baggage delay, lost or stolen baggage, flight delay, $250,000 travel accident, hotel or motel burglary, Mobile Device Insurance, Purchase Security, Purchase Protection Insurance.
Like all American Express Canada Cards, there is no minimum income requirement.
The Marriott Bonvoy® American Express®* Card is the best credit card for free hotel nights.
With this welcome offer, you can earn 50,000 Marriott Bonvoy points by spending $1,500 in the first 3 months after joining.
It’s a Card we recommend keeping because each year at renewal, you get an Annual Free Night Award (for up to 35,000 points at hotels worldwide) and 15 Elite Night Credits per year, counting towards your Marriott Bonvoy Elite status.
With this Card, you earn 5 points per dollar on all purchases at Marriott Bonvoy properties and 2 points per dollar on all other purchases.
Finally, this Card comes with comprehensive insurance: baggage delay, lost or stolen baggage, $500,000 travel accident, flight delay, hotel or motel burglary, rental car theft and damage, Purchase Security, Purchase Protection.
With this exclusive offer for the BMO® AIR MILES® World Elite Mastercard®*, you earn 3,000 Miles after $3,000 in card purchases, that’s a $315 cash value.
Besides, the annual fee is waived in the first year!
With this card, you earn 3 miles for every $12 spent at participating AIR MILES Partners. Then, earn 2 miles for every $12 in purchases at any eligible grocery store and wholesale club (warehouse like Costco) or alcohol retailer (SAQ, LCBO, etc.). Everywhere else, you’ll earn 1 AIR MILES mile for every $12 in purchases, including Walmart.
And it’s the only AIR MILES credit card in Canada to offer a 25% discount on one worldwide AIR MILES flight redemption during the calendar year
The BMO® AIR MILES® World Elite®* Mastercard®* card also offers:
With this welcome offer for the American Express®* Aeroplan® Reserve Card, you can earn up to 85,000 Aeroplan points. Here’s how:
Also, if you have applied for the American Express®* Aeroplan® Reserve Card via this link between April 25 and July 31, 2024, you can get benefits for your Aeroplan Elite status:
To do so, sign up for this Aeroplan offer here and earn 20,000 Aeroplan Points via eligible purchases on your American Express®* Aeroplan® Reserve Card by July 31, 2024.
With this Card, you earn 3X the points on purchases made directly with Air Canada and Air Canada Vacations. And 2x the points on Dining and Food Delivery purchases in Canada. Everywhere else, you will earn 1.25X the points.
With this Card, you receive many Air Canada travel benefits such as access to Maple Leaf Lounges in North America for you and one guest, priority check-in, priority boarding and priority baggage handling.
Enjoy your first checked bag free (up to 23kg/50lb) for up to 9 people travelling on the same reservation on Air Canada®* flights.
Here are some frequently asked questions in the milesopedia community about credit cards in Quebec.
There are over 200 credit cards in Quebec and Canada. There is no “one best credit card” in Canada.
Several credit cards can match your needs:
There are over 90 Mastercard credit cards in Quebec. The National Bank World Elite Mastercard® is an excellent Quebec credit card. Check out our Best Mastercard Credit Cards page.
