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The Best Visa Credit Cards in Canada

The Best Visa Credit cards

These credit cards are among the best Visa credit cards in Canada.

Here is a table summarizing the different offers. For more details, read on or click on the name of a card.

TD® Aeroplan® Visa Infinite* Card

With the TD® Aeroplan® Visa Infinite* Card, you can earn up to 50,000 Aeroplan points and a full Annual Fee Rebate for the first year:

  • 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 $1,500 within 90 days of Account opening†
  • an additional 20,000 Aeroplan points when you spend $7,500 within 12 months of Account opening†
  • Plus, get an annual fee rebate for the first year (instead of $139)†
  • Annual fee rebate for the first year for up to 3 additional cardholders (instead of $75 per additional card)†
  • $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†

With the TD® Aeroplan® Visa Infinite* Card, you earn 1.5 points† for every $1 spent on eligible:

  • Grocery stores
  • Gas stations
  • Air Canada purchases, including Air Canada Vacations

RBC Avion Visa Infinite Card

With this exceptional offer for the RBC Avion Visa Infinite Card, you can earn up to 55,000 points:

  • 35,000 points on approval (no minimum spend)
  • 20,000 additional points when you spend $5,000 in your first 6 months

It’s a value of up to $1,100.

You can use your RBC Avion points for travel, or convert them to airline partners:

  • American Airlines AAdvantage
  • British Airways Executive Club (and Qatar Airways Privilege Club)
  • Cathay Pacific Asia Miles
  • WestJet Rewards

For example, with the current welcome offer, you can get the equivalent of 55,000 British Airways Avios Points or 550 WestJet Dollars.

With the RBC Avion Visa Infinite Card, you earn 1 point per dollar and 1.25 points for travel purchases.

And you’ll benefit from a wide range of insurance coverage: Trip Cancellation and Interruption Insurance, Out-of-Province/Country Emergency Medical Insurance, Rental Vehicle Collision/Loss Damage Insurance, Mobile Device Insurance.

 

CIBC Dividend® Visa Infinite* Card

The CIBC Dividend® Visa Infinite* Card is one of the best Visa credit cards with cash back in Canada. The minimum annual income required for this card is $60,000 (personal) or $100,000 (household). With this Card, you earn:

  • 4% cash back on eligible gas and groceries purchases
  • 2% cash back on eligible transportation, dining purchases and recurring payments
  • 1% on all other purchases

Currently, get 10% cash back for the first 4 statements on total purchases of up to $2,500. And you’ll get a first-year annual fee rebate!

And this card has comprehensive insurance:

  • Auto Rental Collision/Loss Damage Insurance
  • $500,000 Common Carrier Accident Insurance
  • Flight Delay and Baggage Insurance
  • Trip Interruption Insurance
  • Out-of-Province Emergency Travel Medical Insurance
  • Purchase Security and Extended Protection Insurance

BMO eclipse Visa Infinite* Card

When you sign up for our exclusive offer for the BMO eclipse Visa Infinite* Card, you can earn up to 70,000 BMO Rewards points and have the$120 annual fee waived for the first year:

  • 40,000 points after $3,000 in purchases in the first three months
  • 30,000 points at annual renewal if you have made $25,000 in purchases with the card in the first 12 months

Plus, you’ll get a $50 annual lifestyle credit – per calendar year – to spend however you want.

With the BMO eclipse Visa Infinite* Card, you can earn 5 BMO Rewards points per dollar spent on:

  • Groceries
  • Dining
  • Food delivery
  • Gas
  • Transit

And 1 BMO Rewards point for every $1 spent on everything else. Plus, if you add an authorized user to your account, you’ll earn 10% more points.

Scotia Momentum® VISA Infinite* card

The Scotia Infinite Momentum Visa Card is recognized year after year as one of the best cashback credit cards in Canada.

Currently, there is no annual fee in the first year, including on additional cards. And you can earn 10% cash back on all your purchases for the first 3 months (up to $2,000 in total purchases).

With the Scotia Momentum® VISA Infinite* card, you earn:

  • 4% at grocery store and on periodic payments
  • 2% on gasoline and public transit
  • 1% cash back on everything else

And this card has premium insurance!

Scotiabank Passport™ Visa Infinite* Card

With the Scotiabank Passport™ Visa Infinite*, you get 25,000 points after only $1,000 in card purchases ($250 value). And each year, if you make at least $40,000 in Card purchases, you’ll earn 10,000 additional points ($100 value).

With the Scotiabank Passport™ Visa Infinite* Card, you get 2 points per dollar you spend on:

  • grocery stores
  • Restaurants
  • Entertainment
  • Transportation

You can redeem your points for any travel purchases (flights, hotels, all-inclusive and even Airbnb). 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

BMO eclipse Visa Infinite Privilege* Card

The BMO eclipse Visa Infinite Privilege Card* is a premium metal card! With this card , you can earn up to 90,000 BMO Rewards points:

  • 50,000 points when you spend $6,000 in the first 3 months
  • 40,000 points twelve months after the Credit Card account open date after you spend a minimum of $100,000 within the first twelve months

Plus, you’ll get a $200 annual lifestyle credit – per calendar year – to spend however you want. As well as a Priority Pass membership with 6 airport lounge visits per year.

With this Card, you earn 5 BMO Rewards points per dollar of purchases for:

  • Groceries
  • Gas
  • Drugstores
  • travel purchases
  • Dining
  • Food delivery

And 1 BMO Rewards point for every $1 spent on everything else.

TD® Aeroplan® Visa Infinite Privilege* Credit Card

With the TD® Aeroplan® Visa Infinite Privilege* Credit Card, you can earn up to 105,000 Aeroplan points†:

  • 20,000 Aeroplan points when you make your first purchase with your new card
  • Up to 85,000 Aeroplan points when you spend $1,000 each month for the first 10 months of Account opening to earn 8,500 Aeroplan Points per month
  • $100 NEXUS fee rebate†
  • Access to Air Canada Maple Leaf lounge†
  • 6 annual visits to Priority Pass airport lounges†
  • 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†

With the TD® Aeroplan® Visa Infinite Privilege* Credit Card, you earn 1.5 points† per dollar for:

  • Grocery stores
  • Gas stations
  • travel purchases
  • Dining

And 2 points† for every $1 spent on Air Canada purchases, including Air Canada Vacations. Everywhere else, you will earn 1.25 points† per dollar.

Other great offers

Frequent Asked Questions about credit cards

Here are frequently asked questions in the milesopedia community about credit cards in Canada.