Looking for the best Credit Cards with DragonPass Lounge Access in Canada? The right choice depends on your spending, annual fees and the benefits you will actually use.
Compare the 7 cards in our selection below. Interested in a card? Click Read review to read our full analysis.
- Annual fee
- $120
- Our valuation
- $500Milesopedia first-year estimate First-year valueWelcome bonus$500Total$500Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
- Welcome offer
- Up to 50,000 points
Milesopedia first-year estimateFirst-year valueWelcome bonus$500Total$500Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
Ends Nov 1, 2026
on Scotiabank's website
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| $130 |
With Milesopedia, take advantage of an exclusive offer: your first-year annual fees are refunded with the National Bank World Elite Mastercard. This offer is exclusively available on the Milesopedia network, from June 30 to November 4, 2026.
- Refund of the first-year annual fee (a $150 value) for the primary cardholder. This fee is charged to your new card account, then refunded as a credit on your statement within five months of opening your account, provided it remains open and in good standing.
The National Bank World Elite Mastercard is the best Mastercard credit card offered by NBC.
With this card, you earn up to 5 points per dollar on your purchases:
- 5 points per dollar for groceries and restaurants
- 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 for all other purchases
And since it’s an NBC mycredit Mastercard, 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
- Airline ticket upgrades
What’s more, you can enjoy access to DragonPass airport lounges and unlimited access to the National Bank Lounge at Montreal-Trudeau.
Finally, Milesopedia has named the National Bank World Elite Mastercard as the Best Travel Credit Card in 2023, 2024, 2025, and 2026.
- Annual fee
- $0 $150No annual fee the first year
- Our valuation
- $300Milesopedia first-year estimate First-year valueAnnual fee rebated$150Annual credit$150Total$300Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
- Welcome offer
- First Year Annual Fee Rebate
No annual fee the first year
Milesopedia first-year estimateFirst-year valueAnnual fee rebated$150Annual credit$150Total$300Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
$150 annual fee rebated
Ends Nov 4, 2026
on National Bank's website
With this offer for the BMO VIPorter World Elite Mastercard, you get up to 70,000 VIPorter points and a round-trip companion pass. Plus, you pay no annual fees for the first year and receive $1,000 in eligible spending towards your VIPorter status.
Here’s how to get your full welcome bonus:
- 20,000 points after $5,000 in purchases within the first 110 days of account opening
- 20,000 points, a round-trip companion pass, and $1,000 in eligible spending towards your VIPorter status after $9,000 in purchases within the first 180 days of account opening
- 30,000 points after $18,000 in purchases within the first 365 days of account opening
So, to get the full welcome bonus of 70,000 VIPorter points, you’ll need to spend $18,000 in the first year.
With the BMO VIPorter World Elite Mastercard, you earn 3 points per dollar at Porter and 2 points per dollar on gas, transportation, grocery, restaurant and hotel purchases. And 1 point per dollar on all other purchases, including Costco.
With the BMO VIPorter World Elite Mastercard, you and up to 8 companions travelling on the same booking enjoy Porter travel benefits such as:
- On free checked bag
- 1 complimentary carry-on bag on all Porter fare types
- Free PorterClassic seat selection
- Priority security screening.
- Priority rebooking on another flight in case of a delay
- Exclusive check-in.
- Early boarding
Additionally, as a BMO VIPorter World Elite Mastercard holder, your VIPorter points do not expire, and you automatically receive VIPorter Horizon Grand Traveller status. You also earn $1 in eligible spending towards your Porter status for every $25 spent.
You can also earn one round-trip companion pass per year if you spend $50,000 on your BMO VIPorter World Elite Mastercard during your membership year.
Finally, you are covered by a wide range of insurance policies:
- 21-day out-of-province or country emergency medical insurance
- Trip Cancellation/Interruption/Delay insurance
- Car rental-collision/loss damage insurance
- Common carrier insurance
- Flight Delay Insurance
- Baggage insurance
- Hotel burglary insurance
- Purchase Protection
- Extended warranty insurance
Finally, enjoy six months of Instacart+ membership and a monthly $10 Instacart credit when you sign up with your eligible BMO credit card.
- Annual fee
- $0 $199No annual fee the first year
- Our valuation
- $1,249Milesopedia first-year estimate First-year valueWelcome bonus$1,050Annual fee rebated$199Total$1,249Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
- Welcome offer
- Up to 70,000 points
No annual fee the first year
Milesopedia first-year estimateFirst-year valueWelcome bonus$1,050Annual fee rebated$199Total$1,249Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
+ one round-trip companion pass + First Year Annual Fee Rebate
Ends Oct 31, 2026
on BMO's website
With this offer for the BMO Blue Rewards World Elite Mastercard, you can get up to $1,600 in value. In addition, you pay no annual fee in the first year.
Here’s how to get your full welcome offer:
- 45,000 points after $5,000 in purchases within the first 110 days after account opening
- 20,000 points after $10,000 in purchases within the first 180 days after account opening
- 35,000 points after $20,000 in purchases within the first 365 days after account opening
So, to get your full welcome offer, you’ll need to spend $20,000 in the first year.
With the BMO Blue Rewards World Elite Mastercard, you earn 10 points per dollar at participating Blue Rewards partners and 2 Points for every $1 spent on groceries, gas, electric vehicle charging, wholesale and alcohol purchase (including Costco). And 1 point per dollar for all other purchases. The 10-point rate applies on up to $25,000 in net purchases per calendar year at partners, and the 2-point rate on up to $500 per category, per statement cycle.
You can also take advantage of a 0% introductory interest rate on balance transfers for 12 months, with a 2% balance transfer fee.
The card also offers:
- 4 complimentary airport lounge accesses per year via Mastercard Travel Pass provided by DragonPass*
- comprehensive travel insurance, including emergency medical coverage of up to $5 million for 15 days*
Finally, enjoy six months of Instacart+ membership and a monthly $10 Instacart credit when you sign up with your eligible BMO credit card.
- Annual fee
- $0 $150No annual fee the first year
- Our valuation
- $150Milesopedia first-year estimate First-year valueAnnual fee rebated$150Total$150Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
- Welcome offer
- First Year Annual Fee Rebate
No annual fee the first year
Milesopedia first-year estimateFirst-year valueAnnual fee rebated$150Total$150Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
$150 annual fee rebated
Ends Oct 31, 2026
on BMO's website
The BMO Ascend World Elite Mastercard is one of the best World Elite Mastercard travel rewards credit cards in Canada. With our welcome offer, you can get up to 100,000 BMO Rewards points, for a total value of up to $1,600.
Plus, there’s no annual fee in the first year for the primary cardholder and additional cardholders, and you benefit from a 0% introductory interest rate on balance transfers for 12 months (with a 2% balance transfer fee).
With the BMO Ascend World Elite Mastercard, you get:
- 5 points per dollar on eligible travel*
- 3 points per dollar on eligible dining, entertainment, and recurring bill payments*
- 1 point per dollar on all other purchases*
The card also offers:
- 4 complimentary airport lounge accesses per year via Mastercard Travel Pass provided by DragonPass*
- comprehensive travel insurance, including emergency medical coverage up to $5 million for 21 days*
- A NEXUS statement credit in the first year*
- Six months of Instacart+ membership plus a monthly $10 Instacart credit with an eligible card*
- Annual fee
- $0 $150No annual fee the first year
- Our valuation
- $820Milesopedia first-year estimate First-year valueWelcome bonus$670Annual fee rebated$150Total$820Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
- Welcome offer
- Up to 100,000 points
No annual fee the first year
Milesopedia first-year estimateFirst-year valueWelcome bonus$670Annual fee rebated$150Total$820Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
+ First Year Annual Fee Rebate
on BMO's website
If you are looking for a credit card that rewards generously from the start, the Tangerine Rewards World Elite Mastercard is for you.
This card offers an exceptional welcome bonus: get up to $600 in value in the first year*, including 30,000 Scene+ points when you spend $3,000 within the first 3 months*.
But that’s not all. During the year, you can get an additional $100 in Lifestyle credit by spending $30,000, as well as 4 complimentary airport lounge passes via DragonPass — a $200 value.
For earning, earn 1.5x more Scene+ points in 3 accelerated earning categories. Choose from 13 categories — groceries, restaurants, gas, pharmacy, home furnishings, and many more — and change them every 90 days according to your needs*. On all your other purchases, you earn 1 Scene+ point per dollar spent*.
As a cardholder, you also get access to The Mastercard Collection, a premium global benefits program including:
- Access to exclusive dining, entertainment, and travel benefits
- Unique Cirque du Soleil benefits
- FUBO: $30 off a Sports Quarterly subscription for your first quarter
- H&R Block: 30% off tax preparation services
- FlexiRoam: Free 3 GB international mobile data plan
Finally, for the first 30 days, transfer your balances and enjoy a promotional rate of only 1.95% for 6 months*. Your purchases are also protected by Purchase Assurance and Extended Warranty*, up to $60,000 lifetime.
Save on fuel with Shell
All Tangerine cardholders can get savings and rewards on fuel with Shell and Scene+ when you link your cards to your Shell Go+ account. Get up to 10¢/L in value with a linked Tangerine Rewards World Elite Mastercard:
- Instant savings of 3¢ per litre on all grades of Shell fuel.
- Save an additional 4¢ per litre when purchasing Shell V-Power®.
- Earn up to 3¢ per litre in Scene+ points value when purchasing Shell V-Power® fuel.
- Annual fee
- $120
- Our valuation
- $300Milesopedia first-year estimate First-year valueWelcome bonus$300Total$300Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
- Welcome offer
- Up to 30,000 points
Milesopedia first-year estimateFirst-year valueWelcome bonus$300Total$300Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
Ends Oct 30, 2026
on Tangerine's website
The BMO Ascend World Elite Business Mastercard is one of the best travel points-based Business Mastercard® credit cards in Canada. You can earn up to 100,000 points as a welcome bonus:
- 20,000 points on your first purchase within 75 days of account opening;
- 8,000 points per month when you spend at least $3,000 per monthly period, from the 3rd to the 12th month following account opening (for a total of 80,000 points).
Plus, there’s no annual fee for the first year! And you get 2 free annual visits to DragonPass airport lounges.
You can also benefit from a welcome interest rate of 0% on balance transfers for nine months (a 3% transfer fee applies).
With the BMO Ascend World Elite®* Business Mastercard, you earn 4 points for every dollar spent on:
- gas purchases
- office supplies
- cell phone/internet payments
And 1.5 points for every dollar you spend, including at Costco or for significant purchases at home improvement stores.
You can use BMO Rewards points for all travel purchases made through the agency or website of your choice (plane tickets, hotels, rental cars, all-inclusive packages, Airbnb, etc.) or for rewards and gift cards on the BMO Rewards platform.
Additionally, you can combine the points earned with the two other BMO Rewards cards to save even more on your travel.
With the BMO Rewards® World Elite®* Business Mastercard® for Business, you benefit from various travel protections:
- Collision Damage Waiver Insurance
- Personal and Business Effects in a Rental Vehicle
- Accidental Death or Dismemberment in a Rental Vehicle
- Baggage and Personal Effects
- Baggage insurance in case of delay
- Flight Cancellation
- Trip Interruption or Delay
- Flight delay
- Common Carrier Accident
And for your purchases :
- Extended Warranty
- Purchase Protection
- Annual fee
- $0 $149No annual fee the first year
- Our valuation
- $819Milesopedia first-year estimate First-year valueWelcome bonus$670Annual fee rebated$149Total$819Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
- Welcome offer
- Up to 100,000 points
No annual fee the first year
Milesopedia first-year estimateFirst-year valueWelcome bonus$670Annual fee rebated$149Total$819Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
+ First Year Annual Fee Rebate
on BMO's website
The Desjardins Odyssey World Elite Mastercard is a credit card that offers BONUSDOLLARS.
With this card, you can earn:
- 3% in BONUSDOLLARS for your purchases in the Grocery category (up to $10,000 in annual purchases – beyond that, the earn rate decreases to 1%)
- 3% in BONUSDOLLARS for your purchases in the Restaurant category (up to $6,000 in annual purchases – beyond that, the earn rate decreases to 1%)
- 2% in BONUSDOLLARS for your purchases in the Entertainment, Travel, and Public Transportation categories
- 1% in BONUSDOLLARS for your other purchases
In addition, this card offers several purchase insurances:
- 90 days purchase insurance
- One year extended warranty
- Mobile Device Insurance
As well as comprehensive travel insurance.
Compare the terms specific to this selection
For DragonPass, compare fees, eligible transactions and the benefits you need. Where rewards points are offered, check redemption options, transfer possibilities and program conditions.
Assess costs beyond the welcome offer
When choosing a credit card in this category, distinguish temporary incentives from ongoing terms. Compare annual fees, transaction charges and benefit requirements.
Use the table for an initial comparison. Read the review of the card that interests you, then the issuer’s terms before applying.
Frequently asked questions — DragonPass
How do I compare cards in DragonPass?
Compare each offer using the same budget and spending needs. Then review detailed terms to check limits, exclusions and the benefits you can actually use.
How should I choose from the DragonPass selection?
Start with your spending and priorities, then compare fees and benefits relevant to your situation. The ranking helps identify options; the best choice can differ from person to person.
Can terms change after publication?
Yes. Offers, fees and eligibility requirements can change. Before applying, check the issuer’s terms linked from the application button, including dates and exclusions.
