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.
National Bank World Elite Mastercard
The National Bank World Elite Mastercard® is NBC’s best Mastercard credit card.
Right now, with our exclusive welcome offer:
- Get up to 35,000 reward points
- Save on annual fees for the first year
- Enter for a chance to win one (1) of five (5) $2,000 Transat travel credits.
It’s the best time of year to apply for the National Bank World Elite Mastercard®!
With this card, you earn up to 5 points per dollar on your purchases:
- 5 points per dollar on grocery and restaurant purchases
- 2 points per dollar on gas and electric recharge purchases
- 2 points per dollar on recurring bills
- 2 points per dollar on À la carte Travel
- 1 point per dollar on all other 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:
- Airport parking
- Baggage fees
- Seat selection
- Access to airport lounges
- Flight upgrades
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.
Scotiabank Passport™ Visa Infinite* Card
With this welcome offer for the Scotiabank Passport™ Visa Infinite* Card, you earn up to 40,000 welcome bonus points (a $400 value) as well as a first-year annual fee waiver (a $150 value):
- 30,000 points after just $1,000 in purchases
- 10,000 points after $40,000 in annual purchases in the first year
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 value of $100.
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.
Also, you earn 2 points per dollar for:
- grocery purchases
- dining purchases
- Entertainment
- Transportation
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 purchases (flights, hotels, all-inclusive and even Airbnb). You can also use your points as cash back rewards with Scene+.
The Scotiabank Passport™ Visa Infinite* Card also offers:
- no foreign transaction fee
- 6 complimentary passes to airport VIP lounges
- Premium insurance for your travels or purchases
- Concierge services
We voted this credit card the Best No-FX Fee Credit Card of 2024. Knowing that the annual fee is waived in the first year, there’s never been a better time to get this credit card for your international travels over the next year!
CIBC Aventura® Visa Infinite* Card
The CIBC Aventura® Visa Infinite* Card is one of the best Visa credit cards with travel rewards.
You can earn up to 45,000 Aventura points with this CIBC digital exclusive offer for Milesopedia readers.
- 15,000 Aventura Points when you make your first purchase†
- 30,000 Aventura Points when you spend $3,000 or more in the first 4 monthly statement periods†
Plus, you can get a first-year annual fee rebate for you (a $139 value) and up to three authorized users ($50 each; $150 value).
With this CIBC Aventura Credit Card, you get:
- 2 points for every $1 spent on travel purchased through the CIBC Rewards Centre†
- 1.5 points for every $1 spent at eligible gas stations, EV charging, grocery stores and drug stores†
- 1 point for every $1 spent on all other purchases†
The CIBC Aventura® Visa Infinite* Card also offers:
- Airport lounges access: Visa Airport Companion Program membership with 4 complimentary visits per year
- A NEXUS application fee rebate (a $50 value)
The minimum annual income required for this card is $60,000 (personal) or $100,000 (household).
CIBC Aventura® Gold Visa* Card
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).
You can earn up to 45,000 Aventura points with this CIBC digital exclusive offer for Milesopedia readers.
- 15,000 Aventura Points when you make your first purchase†
- 30,000 Aventura Points when you spend $3,000 or more in the first 4 monthly statement periods†
Plus, you can get a first-year annual fee rebate for you (a $139 value) and up to three authorized users ($50 each; $150 value).
With this CIBC Aventura Credit Card, you get:
- 2 points for every $1 spent on travel purchased through the CIBC Rewards Centre†
- 1.5 points for every $1 spent at eligible gas stations, EV charging, grocery stores and drug stores†
- 1 point for every $1 spent on all other purchases†
The CIBC Aventura® Gold Visa* Card also offers:
- Airport lounges access: Visa Airport Companion Program membership with 4 complimentary visits per year
- A NEXUS application fee rebate (a $50 value)
TD® Aeroplan® Visa Infinite* Card
With the TD® Aeroplan® Visa Infinite* Card, you can earn up to 50,000 Aeroplan points:
- A welcome bonus of 10,000 Aeroplan points when you make your first purchase with your new card†
- 20,000 Aeroplan points when you spend $6,000 within 180 days of Account opening†
- Plus, earn a one-time anniversary bonus of 20,000 Aeroplan points when you spend $10,000 within 12 months of Account opening†
- $100 NEXUS fee rebate†
- Up to eight passengers travelling on the same reservation will all enjoy their first checked bag free (up to 23kg/50lb) when your travel originates on an Air Canada flight†
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:
- Grocery stores
- Gas stations
- Air Canada purchases, including Air Canada Vacations
MBNA Rewards World Elite® Mastercard®
With the MBNA Rewards World Elite® Mastercard®, you can earn 5 points per dollar of purchases for:
- Dining purchases
- Grocery purchases
- Digital media purchases (Netflix, Spotify, etc.)
- Memberships
- Household utility purchases (electricity, etc.)
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.
CIBC Dividend® Visa Infinite* Card
The CIBC Dividend® Visa Infinite* Card is one of the best Visa credit cards with cash back in Canada.
Right now, with our exclusive welcome offer, get a 10% welcome bonus in the form of up to $250 cash back (period covered by your first 4 statements). And you’ll get a first-year annual fee rebate†!
With this CIBC Cash Back Credit Card, you get:
- 4% cash back on gas, EV charging, and grocery purchases†
- 2% cash back on eligible transportation, dining purchases and recurring payments†
- 1% cash back on all other purchases†
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:
- Auto Rental Collision/Loss Damage Insurance
- $500,000 Common Carrier Accident Insurance
- Out-of-Province Emergency Travel Medical Insurance
- Purchase Security and Extended Protection Insurance
American Express Cobalt® Card
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:
Category | Points per dollar |
Grocery stores (Metro, IGA, Sobeys, Super C, etc.) | 5 |
Food delivery | 5 |
Restaurants and bars | 5 |
Convenience stores | 5 |
Streaming subscriptions | 3 |
Gas station | 2 |
Transportation | 2 |
Travel | 2 |
Other | 1 |
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.
American Express®* Aeroplan® Reserve Card
With this welcome offer for the American Express®* Aeroplan® Reserve Card, you can earn up to 85,000 Aeroplan points. Here’s how:
- Earn 60,000 Aeroplan points after spending $7,500 in purchases on your Card within the first 3 months
- Plus, earn an additional 25,000 Aeroplan points when you spend $2,500 in purchases in month 13
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.
Like all American Express Canada Cards, there is no minimum income requirement.
Marriott Bonvoy® American Express®* Card.
The Marriott Bonvoy® American Express®* Card is the best credit card for free hotel nights.
With this exceptional limited-time welcome offer, you can earn up to 80,000 Marriott Bonvoy points:
- 65,000 Welcome Bonus points after you spend $3,000 on your Card in your first 3 months of Cardmembership
- Plus, earn an additional 3 points for a total of 5 points on every $1 spent on eligible travel and gas purchases in your first 6 months (up to 15,000 points)
It’s the best time of year to get the Marriott Bonvoy® American Express®* Card. Don’t wait, this offer ends on May 6, 2024!
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.
Like all American Express Canada Cards, there is no minimum income requirement.
BMO® AIR MILES® World Elite®* Mastercard®*
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:
- Premium insurance for your travels or purchases
- Double the miles for car rentals with National or Alamo
- Concierge services
Frequent Asked Questions about credit cards
Here are some frequently asked questions in the milesopedia community about credit cards in Quebec.
What is the best credit card 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:
What is the best Mastercard credit card in Quebec?
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.