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170 cards found

Personalize your profileCompare based on your spending.
$2,500per month
Sponsored
TD First Class Travel Visa Infinite Card
TD First Class Travel® Visa Infinite* Card
TDTD RewardsFirst-Year Annual Fee Rebate
Annual feeⓘNo annual fee the first year
$0 $139
Our valuationⓘMilesopedia first-year estimate First-year valueWelcome bonus$800Annual fee rebated$139Annual credit$100Total$1,039Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
$1,039
Welcome offerⓘAfter $7,500 in 6 months
Up to 160,000 points
Apply Now

on TD's website

Features
Issuer
TD
Network
Program
TD Rewards
Fees and terms
Annual Fee
$139/yr
Additional card
$50
Min. annual income
$60,000+
Household income
$100,000+
Interest rates
Purchases
21.99 %
Cash advance
22.99 %
Balance transfer
22.99 %
Foreign transaction fee
2.5 %

Issuer terms

Earn up to $1,400 in value†, including up to 160,000 TD Rewards Points, receive an Annual Fee rebate for the first year† and additional travel benefits. Conditions Apply.

  • Earn a welcome Bonus of 20,000 TD Rewards Points when you make your first Purchase with your Card†
  • Earn 140,000 TD Rewards Points when you spend $7,500 within 180 days of Account opening†
  • Get an Annual Fee Rebate for the first year†
  • Get an annual TD Travel Credit† of $100 when you book at Expedia® For TD.
  • Earn a Birthday Bonus of up to 10,000 TD Rewards points†.
  • Enjoy your time at the airport with global airport lounge access and 4 complimentary lounge visits with Visa Airport Companion Program (a value of up to $277)†.

To receive the first-year Annual Fee Rebate for the Primary Cardholder, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening. To receive the Additional Cardholder(s) first-year Annual Fee Rebate, you must add your Additional Cardholder(s) while the offer is in effect.

Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer unless otherwise indicated.

Read the full review
Rewards
Rate
Groceries
6x
Restaurants
6x
Transit
6x
Bills & recurring payments
4x
Streaming
4x
Benefits
Airport lounges
$160
Concierge
Included
Travel insurance
Coverage
Travel medical (under 55)
$2,000,000 · 21 days
Travel medical (55-64)
$2,000,000 · 21 days
Travel medical (65+)
$2,000,000 · 4 days
Trip Cancellation
$1,500
Trip Interruption
$5,000
Delayed Baggage
$1,000
Lost Baggage
$1,000
Flight Delay
$500
Hotel Burglary
$2,500
Travel Accident
$500,000
Purchase protection
Coverage
Purchase Protection
90 days
Extended Warranty
+1 year
Mobile Device
$1,000
Auto Rental Collision
$65,000 · 48 days
Read the full review

Pros

  • First Year Annual Fee Rebate
  • Welcome bonus of up to 160,000 points
  • 6x on groceries
  • 6x at restaurants

Cons

  • Requires good credit

With the TD First Class Travel® Visa Infinite* Card, you can earn up to 160,000 TD Rewards Points† as well as an Annual Fee rebate for the first year†:

  • 20,000 TD Rewards Points for the first purchase made with your card†
  • 140,000 TD Rewards Points when you spend $7,500 within 180 days of account opening†
  • A Birthday Bonus of up to 10,000 TD Rewards Points†

Get an annual TD Travel Credit† of $100 when you book at Expedia® For TD, and enjoy your time at the airport with global airport lounge access and 4 complimentary lounge visits with Visa Airport Companion Program (a value of up to $277)†.

With the TD First Class Travel® Visa Infinite* Card, you earn…

Read the full review
Exclusive
National Bank World Elite Mastercard
National Bank World Elite® Mastercard®
National BankNBC RewardsFirst-Year Annual Fee Rebate
Annual feeⓘNo annual fee the first year
$0 $150
Our valuationⓘMilesopedia 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.
$300
Welcome offerⓘ$150 annual fee rebated
First Year Annual Fee Rebate
Ends Nov 4, 2026
Apply Now

on National Bank's website

Features
Issuer
National Bank
Network
Program
NBC Rewards
Fees and terms
Annual Fee
$150/yr
Additional card
$50
Min. annual income
$80,000+
Household income
$150,000+
Interest rates
Purchases
20.99 %
Cash advance
22.49 %
Balance transfer
22.49 %
Foreign transaction fee
2.5 %

Issuer terms

By clicking on the Subscribe button, you will be redirected directly to the National Bank credit card application form. Make sure you have the following information on hand: contact details, employment status, income and valid ID.

Terms and Conditions – Milesopedia Exclusive Promotion – World Elite Card

Welcome promotion period: June 30 to November 4, 2026.

Eligibility requirements:

  • Sign up for a National Bank® World Elite® Mastercard® credit card during the promotion period via the redirection link provided on the Milesopedia network websites during the promotion as a primary cardholder, as the primary cardholder.
  • Must not have held any National Bank personal Mastercard credit cards in the last 24 months as the primary cardholder.
  • Keep the credit card account open and in good standing until the annual fee is refunded. To be considered in good standing, you must comply with the terms of the Credit Card Agreement, such as paying all fees and minimum payments on time.
  • Must not be employed by us or any entity in our group.

Promotion description:

  • Refund of the first-year annual fee for the primary cardholder. We will charge this annual fee to your new card account and then refund it. You will receive this refund within five months of opening your account, provided your account is still open and in good standing. It will appear on your statement as a credit.
  • Annual fees for authorized users’ cards are not eligible for this promotion.

Other conditions:

  • You can only benefit from the promotion once.
  • The card is issued subject to National Bank’s credit approval. Other conditions apply to the issuance of the card.
  • This promotion cannot be combined with any other promotion or offer applicable to National Bank credit cards and is not retroactive.
  • This promotion may be changed or withdrawn without notice.

Card benefits

  • Annual travel credit ($150)
  • Access to the National Bank Lounge
  • Access to more than 1,300 airport lounges worldwide
  • Comprehensive travel insurance for trips of up to 60 days
  • Emergency medical and hospital insurance outside your province of residence
  • Trip cancellation and trip interruption insurance
  • Lost or stolen baggage insurance
  • Car rental insurance
  • Coverage for accidental damage, loss, or theft of mobile devices
  • Extended warranty coverage on purchases
  • Extended manufacturer’s warranty on purchases
  • Medical, general, and legal assistance
  • Enhanced security with Mastercard® ID Check™
  • Discounts on monthly fees for The Total and The Connected banking packages
  • Redeem points through the travel agency of your choice
  • Up to 5 points per dollar spent*
Read the full review
Rewards
Rate
Restaurants
5x
Groceries
5x
Travel
2x
Bills & recurring payments
2x
Gas & EV
2x
Benefits
Airport lounges
$400
Annual credit
Included
Travel insurance
Coverage
Travel medical (under 55)
$5,000,000 · 60 days
Travel medical (55-64)
$5,000,000 · 31 days
Travel medical (65+)
$5,000,000 · 15 days
Trip Cancellation
$2,500
Trip Interruption
$5,000
Delayed Baggage
$500
Lost Baggage
$1,000
Flight Delay
$500
Travel Accident
✓
Purchase protection
Coverage
Purchase Protection
180 days
Extended Warranty
+2 years
Mobile Device
$1,000 · 2 years
Auto Rental Collision
$65,000 · 48 days
Read the full review

Awards won by this card

  • 2026 Awards Best Credit Card for Travel
  • 2026 Awards Best Mastercard Credit Card

Pros

  • First Year Annual Fee Rebate
  • 5x on groceries
  • 5x at restaurants

Cons

  • No welcome bonus
  • Requires good credit

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…

Read the full review
Featured
RBC Avion Visa Infinite Card
RBC Avion Visa Infinite Card
RBCRBC Avion Rewards - Elite
Annual fee
$120
Our valuationⓘMilesopedia first-year estimate First-year valueWelcome bonus$1,190Total$1,190Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
$1,190
Welcome offerⓘAfter $5,000 in 6 months
Up to 70,000 points
Ends Nov 25, 2026
Apply Now

on RBC's website

Features
Issuer
RBC
Network
Program
RBC Avion Rewards - Elite
Fees and terms
Annual Fee
$120/yr
Additional card
$50
Min. annual income
$60,000+
Household income
$100,000+
Interest rates
Purchases
20.99 %
Cash advance
22.99 %
Balance transfer
22.99 %
Foreign transaction fee
2.5 %

Issuer terms

Get up to 70,000 Avion points1 – a travel value of up to $1,500!† Apply by November 25, 2026.

Points and Rewards

  • Earn 1.25 Travel points on travel-related purchases12
  • Earn 1 Avion point on all other eligible purchases2
  • Use your Travel points to book flights anytime with more than 500 airlines. There are no blackout periods or seat restrictions, even during peak season^!

Get Extensive Insurance

  • Enjoy more peace of mind with enhanced coverage like unlimited emergency medical insurance9, travel accident insurance7, trip cancellation insurance7, mobile device insurance7, and more.

Book Any Flight

  • Use your Avion points to book any flight, anytime, on over 500 airlines. No blackouts or seat restrictions, even during peak season†!

Book Flights for Maximum Value

  • Make your Avion points go further with the Air Travel Redemption Schedule, which offers fixed point pricing 365 days a year†.

Save at Petro-Canada

  • Link your cards and instantly save 3¢/L on fuel4 and earn 20% more Petro-Points5 and Avion points6 at Petro-Canada

Earn more Be Well points at Rexall

  • Link your RBC Credit Card and earn 50 Be Well™ points on every $1 spent on eligible purchases at Rexall13

DoorDash

  • Add your credit card to your DoorDash account and get a free 12 monthly DashPass subscription16

Hertz

  • Get up to 20% off at Hertz10

Get insurance coverage for travel and more7.

  • Out of Province/Country Emergency Medical Insurance
  • Travel Accident Insurance
  • Auto Rental Collision/Loss Damage Waiver Insurance
  • Trip Cancellation & Trip Interruption Insurance
  • Delayed Baggage and Flight Delay Insurance
  • Hotel/Motel Burglary Insurance
  • Purchase Security & Extended Warranty Insurance
  • Mobile Device Insurance up to $15007
Read the full review
Rewards
Rate
Travel
1.25x
Benefits
Concierge
Included
Travel insurance
Coverage
Travel medical (under 55)
15 days
Travel medical (55-64)
15 days
Travel medical (65+)
3 days
Trip Cancellation
$1,500
Trip Interruption
$5,000
Delayed Baggage
$500
Lost Baggage
$500
Flight Delay
$500
Hotel Burglary
$2,500
Travel Accident
$500,000
Purchase protection
Coverage
Purchase Protection
90 days
Extended Warranty
+1 year
Mobile Device
$1,500 · 1 year
Auto Rental Collision
$65,000 · 48 days
Read the full review

Pros

  • Welcome bonus of up to 70,000 points

Cons

  • Requires good credit

For a limited time, the RBC Avion Visa Infinite Card offers a welcome bonus of up to 70,000 Avion points, worth up to $1,500 in travel.

  • 35,000 points upon approval of your application
  • 20,000 points when you charge $5,000 in purchases to your account within the first six months
  • 15,000 points on the first anniversary of your account

You can redeem your Avion points for flights with more than 500 airlines, with no blackout periods or seat restrictions, or transfer them to partner programs such as American Airlines AAdvantage, The British Airways Club, Cathay Pacific Asia Miles and WestJet Rewards.

The card earns you 1.25 points per dollar on eligible travel purchases and 1 point per dollar on all your other eligible purchases. It also includes extensive insurance coverage: emergency medical, trip cancellation and interruption, collision coverage for rental vehicles, and mobile devices…

Read the full review
Featured
TD Aeroplan Visa Infinite Card
TD® Aeroplan® Visa Infinite* Card
TDAeroplanFirst-Year Annual Fee Rebate
Annual feeⓘNo annual fee the first year
$0 $139
Our valuationⓘMilesopedia first-year estimate First-year valueWelcome bonus$1,000Annual fee rebated$139Annual credit$100Total$1,239Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
$1,239
Welcome offerⓘAfter $12,000 in 12 months
Up to 50,000 points
Apply Now

on TD's website

Features
Issuer
TD
Network
Program
Aeroplan
Fees and terms
Annual Fee
$139/yr
Additional card
$75
Min. annual income
$60,000+
Household income
$100,000+
Interest rates
Purchases
21.99 %
Cash advance
22.99 %
Balance transfer
22.99 %
Foreign transaction fee
2.5 %

Issuer terms

Up to $1,550 in value† including up to 50,000 Aeroplan points† could be yours.
Plus, receive an Annual Fee rebate for the first year† and additional travel benefits. Conditions Apply.

  • Earn a welcome bonus of 10,000 Aeroplan points when you make your first Purchase with your new Card†
  • Earn 15,000 Aeroplan points when you spend $3,000 within 90 days of Account opening†.
  • Plus, earn a one-time anniversary bonus of 25,000 Aeroplan points when you spend $12,000 within 12 months of Account opening†
  • Apply for the NEXUS program and once every 48 months get an application fee rebate (up to $100 CAD per eligible cardholder)†.
  • Share free first checked bags for you and up to 8 travel companions†.
  • Get an Annual Fee Rebate for the first year†

To receive the first-year Annual Fee rebate, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening. To receive the first Additional Cardholder first-year Annual Fee rebate, you must add your first Additional Cardholder while this offer is in effect.

Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer unless otherwise indicated.

Read the full review
Rewards
Rate
Gas & EV
1.5x
Groceries
1.5x
Air Canada flights
1.5x
Benefits
NEXUS
Included
Concierge
Included
Travel insurance
Coverage
Travel medical (under 55)
$2,000,000 · 21 days
Travel medical (55-64)
$2,000,000 · 21 days
Travel medical (65+)
$2,000,000 · 4 days
Trip Cancellation
$1,500
Trip Interruption
$5,000
Delayed Baggage
$1,000
Lost Baggage
$1,000
Flight Delay
$500
Hotel Burglary
$2,500
Travel Accident
$500,000
Purchase protection
Coverage
Purchase Protection
90 days
Extended Warranty
+1 year
Mobile Device
$1,000 · 1 year
Auto Rental Collision
$65,000 · 48 days
Read the full review

Awards won by this card

  • 2026 Awards Best Airline Credit Card

Pros

  • First Year Annual Fee Rebate
  • Welcome bonus of up to 50,000 points

Cons

  • Requires good credit

With this offer for the TD® Aeroplan® Visa Infinite* Card, you can get up to 50,000 Aeroplan points† as well as an Annual Fee rebate for the first year†.

  • Earn a welcome bonus of 10,000 Aeroplan points when you make your first Purchase with your new Card†
  • Earn 15,000 Aeroplan points when you spend $3,000 within 90 days of Account opening†.
  • Plus, earn a one-time anniversary bonus of 25,000 Aeroplan points when you spend $12,000 within 12 months of Account opening†

This card also allows you to enjoy travel benefits, such as a free first checked bag for you and up to 8 travel companions on the same reservation†, as well as a rebate on the NEXUS program application fee (up to $100 CAD per eligible cardholder) every 48 months†.

With the TD® Aeroplan® Visa Infinite* Card, you earn 1.5 points† per $1 spent on…

Read the full review
Exclusive
BMO Ascend World Elite Mastercard
BMO Ascend™ World Elite®* Mastercard®*
BMOBMO RewardsFirst-Year Annual Fee Rebate
Annual feeⓘNo annual fee the first year
$0 $150
Our valuationⓘMilesopedia first-year estimate First-year valueWelcome bonus$771Annual fee rebated$150Total$921Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
$921
Welcome offerⓘAfter $20,000 in 12 months
Up to 115,000 points
Apply Now

on BMO's website

Features
Issuer
BMO
Network
Program
BMO Rewards
Fees and terms
Annual Fee
$150/yr
Additional card
$50
Min. annual income
$80,000+
Household income
$150,000+
Interest rates
Purchases
21.99 %
Cash advance
23.99 %
Balance transfer
23.99 %
Foreign transaction fee
2.5 %

Issuer terms

Get up to $1,900 in value, including up to 115,000 points, up to $200 in Instacart benefits, the Mastercard Travel Pass program and 4 complimentary airport lounge passes, the statement credit for NEXUS and the annual fee waived in the first year for the primary cardholder and authorized users.*

Plus, get 0% introductory interest rate on Balance transfers for 12 months with a 2% transfer fee.*

  • 5x the points for every dollar spent on eligible travel*, 3x the points for every dollar spent on eligible restaurant dining*, entertainment and eligible recurring bill payments*, 1 point for every dollar spent in other purchase categories*
  • Free membership to the Mastercard Travel Pass app provided by DragonPass*, and four complimentary passes per year*
  • Extended Warranty* and Purchase Protection*
  • BMO Ascend™ World Elite®* Total Travel and Medical Protection:
    Get Collision Damage Waiver benefits on rental cars, 21 days of Out-of-Province/Out-of-Country Emergency Medical coverage of up to $5 million, and more.*
  • Up to $200 Instacart benefit*
Read the full review
Rewards
Rate
Travel
5x
Restaurants
3x
Streaming
3x
Bills & recurring payments
3x
Entertainment
3x
Telecom
3x
Benefits
Airport lounges
$160
Travel insurance
Coverage
Travel medical (under 55)
$2,000,000 · 21 days
Travel medical (55-64)
$5,000,000 · 21 days
Trip Cancellation
$1,500
Trip Interruption
$2,000
Delayed Baggage
$500
Lost Baggage
$500
Flight Delay
$500
Hotel Burglary
$1,000
Travel Accident
$500,000
Purchase protection
Coverage
Purchase Protection
90 days
Extended Warranty
+1 year
Auto Rental Collision
$65,000 · 48 days
Read the full review

Pros

  • First Year Annual Fee Rebate
  • Welcome bonus of up to 115,000 points
  • 3x at restaurants

Cons

  • Requires good credit

Limited Time Offer

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 115,000 BMO Rewards points, for a total value of up to $1,900, including up to $200 in Instacart benefits.*

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…

Read the full review
American Express Cobalt Card
American Express Cobalt® Card
American ExpressAmex Membership Rewards
Annual fee
$191.88
Our valuationⓘMilesopedia first-year estimate First-year valueWelcome bonus$255Total$255Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
$255
Welcome offerⓘGet 1,250 points after $750 in purchases per month for 12 months
Up to 15,000 points
Apply Now

on American Express's website

Apply with confidence — no impact on your credit scoreⓘApply with confidenceCheck whether your application will be approved before you submit it, with no impact on your credit score*When you apply for a personal American Express Credit Card, we will tell you whether you are eligible without affecting your credit score. So you can apply with confidence.*Instant decisions are only available for consumer Card applications (also called “personal Cards”).

Features
Issuer
Amex
Network
Program
Amex Membership Rewards
Fees and terms
Annual Fee
$191.88/yr ($15.99/mo)
Additional card
$0
Min. annual income
—
Household income
$0+
Interest rates
Purchases
21.99 %
Cash advance
21.99 %
Foreign transaction fee
2.5 %

Issuer terms

  • In your first year as a new Cobalt Cardmember, you can earn 1,250 Membership Rewards® points for each monthly billing period in which you spend $750 in net purchases on your Card. This could add up to 15,000 points in a year. That’s up to $150 towards a weekend getaway or concert tickets

Card features

  • Earn 5X the points on eligible eats and drinks in Canada, including groceries and food delivery. Spend cap applies.
  • Earn 3X the points on eligible streaming subscriptions in Canada
  • Earn 2X the points for eligible gas, public transit and ride sharing purchases in Canada
  • Earn 1 additional point on eligible hotel and car rental bookings via American Express Travel Online
  • Earn 1X point for every $1 in Card purchases everywhere else
  • Fees: $15.99/month (Equals $191.88 annually) for non-Quebec residents. $191.88/year for Quebec residents.
  • Enjoy access to hotel bookings, a room upgrade (when available), 12pm check-in and late check-out (when available), and up to $100 USD hotel credit to use on amenities when charged to the room for a stay of 2 or more consecutive nights through The Hotel Collection from American Express Travel
  • Transfer points 1:1 to several frequent flyer and other loyalty programs
  • Access Front Of The Line® AmexTM Presale & Reserved Tickets to some of your favourite concerts and theatre performances and special offers and events curated for Cardmembers with Amex ExperiencesTM

Apply with confidence!

  • See if you’ll be approved before you apply – with no impact to your credit score.*
  • When applying for a new card, businesses will typically run a “hard check” of your credit report. A hard credit check can cause a temporary impact to your credit score.
  • Unlike many lenders, for American Express’ personal cards, you can see if you will be approved before you apply without impacting your credit score
  • A soft credit check is a check into your credit report initiated either by you or a company even if you didn’t apply for credit. It is primarily used to screen for pre-approval financing offers or for a background check
  • Available for American Express personal cards, we’ll let you know your eligibility with no impact to your credit score, so you can submit your application with confidence.*

*Instant decisions are only available for Consumer (also known as Personal) Card applications.

Read the full review
Rewards
Rate
Restaurants
5x
Groceries
5x
Convenience
5x
Streaming
3x
Transit
2x
Gas & EV
2x
Travel insurance
Coverage
Travel medical (under 55)
$5,000,000 · 15 days
Travel medical (55-64)
$5,000,000 · 15 days
Delayed Baggage
$500
Lost Baggage
$500
Flight Delay
$500
Hotel Burglary
$500
Travel Accident
$250,000
Purchase protection
Coverage
Purchase Protection
$1,000 · 90 days
Extended Warranty
+1 year
Mobile Device
$1,000 · 2 years
Auto Rental Collision (primary)
$85,000 · 48 days
Read the full review

Awards won by this card

  • 2026 Awards Best Community Travel Credit Card
  • 2026 Awards Best Credit Card for Restaurants

Pros

  • Welcome bonus of up to 15,000 points
  • 5x on groceries
  • 5x at restaurants

Cons

  • High annual fee ($191.88)

The American Express Cobalt® Card is the best credit card from American Express, whether you want points for travel or cash back.

American Express Cobalt® Card welcome offer

The welcome bonus is paid out monthly over your first 12 months. You earn 1,250 Membership Rewards points for each monthly billing period in which you charge $750 in net purchases to your card, in any category (1X, 2X, 3X or 5X). That adds up to 15,000 Membership Rewards points over the year, a welcome offer we value at $255.

Earning the full bonus means $9,000 in net purchases spread across 12 monthly billing periods. This offer rewards steady monthly spending rather than one large purchase…

Read the full review
Scotiabank Gold American Express Card
Scotiabank Gold American Express® Card
ScotiabankScene+
Annual fee
$120
Our valuationⓘMilesopedia 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.
$500
Welcome offerⓘAfter $7,500 in 12 months
Up to 50,000 points
Ends Nov 1, 2026
Apply Now

on Scotiabank's website

Features
Issuer
Scotia
Network
Program
Scene+
Fees and terms
Annual Fee
$120/yr
Additional card
$29
Min. annual income
$12,000+
Household income
$12,000+
Interest rates
Purchases
21.99 %
Cash advance
22.99 %
Balance transfer
22.99 %
Foreign transaction fee
0 %

Issuer terms

Earn up to $950 in welcome offers, rewards and savings in the first year, and including up to 50,000 bonus Scene+ points1.

  • Earn 6x Scene+ points1 for every dollar spent at Sobeys, Safeway, Freshco, Foodland and more.
  • Earn 5x Scene+ points1 for every dollar spent on dining, food delivery and other eligible grocery stores. Includes popular food delivery and food subscriptions.
  • Earn 5x Scene+ points1 for every dollar spent on eligible entertainment in Canada. Includes cinemas, theatres and ticket agencies.
  • Earn 3x Scene+ points1 for every Canadian dollar spent in Canada on gas and daily transit. Includes rideshares, buses, subway, taxis and more.
  • Earn 3x Scene+ points1 for every Canadian dollar spent in Canada on select eligible streaming services.
  • Plus earn 1 Scene+ point for every $1 spent on all other eligible everyday purchases.
  • Earn additional benefits + up to 4X Scene+ points for every dollar you spend on hotel bookings, car rentals, and things to do with Scene+ Travel, Powered by Expedia.
  • No Foreign Transaction Fee
  • Comprehensive Travel Insurance coverage
  • AMEX Offers®
  • American Express® Front Of The Line®
  • American Express Invites®
  • Complimentary Concierge Services

Rates, fees and other information are effective as of July 2, 2026. Subject to change.

Read the full review
Rewards
Rate
With the partner brand
6x
Groceries
5x
Entertainment
5x
Restaurants
5x
Streaming
3x
Transit
3x
Gas & EV
3x
Benefits
Airport lounges
Included
Concierge
Included
Travel insurance
Coverage
Travel medical (under 55)
$1,000,000 · 25 days
Travel medical (55-64)
$1,000,000 · 25 days
Travel medical (65+)
$1,000,000 · 3 days
Trip Cancellation
$1,500
Trip Interruption
$1,500
Delayed Baggage
$1,000
Lost Baggage
$1,000
Flight Delay
$500
Hotel Burglary
$1,000
Travel Accident
$500,000
Purchase protection
Coverage
Purchase Protection
90 days
Extended Warranty
+1 year
Mobile Device
$1,000 · 1 year
Auto Rental Collision (primary)
$65,000 · 48 days
Read the full review

Awards won by this card

  • 2026 Awards Best American Express Credit Card
  • 2026 Awards Best Community Cash Back Credit Card
  • 2026 Awards Best Credit Card for Groceries

Pros

  • Welcome bonus of up to 50,000 points
  • 5x on groceries
  • 5x at restaurants

Cons

  • Requires good credit

The Scotiabank Gold American Express Card offers an excellent welcome bonus.

Until November 1, 2026, you can earn up to 50,000 bonus Scene+ points, broken down as follows:

  • 30,000 Scene+ points by charging $2,000 in purchases to the card within the first 3 months
  • 20,000 Scene+ points by making $7,500 in purchases on the card in the first year

This represents a value of up to $500 for travel (including Airbnb)…

Read the full review
American Express Aeroplan Reserve Card
American Express® Aeroplan®* Reserve Card
American ExpressAeroplan
Annual fee
$599
Our valuationⓘMilesopedia first-year estimate First-year valueWelcome bonus$1,700Annual credit$100Total$1,800Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
$1,800
Welcome offerⓘAfter $7,500 in 3 months
Up to 85,000 points
Apply Now

on American Express's website

Apply with confidence — no impact on your credit scoreⓘApply with confidenceCheck whether your application will be approved before you submit it, with no impact on your credit score*When you apply for a personal American Express Credit Card, we will tell you whether you are eligible without affecting your credit score. So you can apply with confidence.*Instant decisions are only available for consumer Card applications (also called “personal Cards”).

Features
Issuer
Amex
Network
Program
Aeroplan
Fees and terms
Annual Fee
$599/yr
Additional card
$199
Min. annual income
—
Household income
$0+
Interest rates
Purchases
21.99 %
Cash advance
21.99 %
Foreign transaction fee
2.5 %

Issuer terms

New cardholders of the American Express® Aeroplan®* Reserve Card can earn up to 85,000 Aeroplan points

    • Earn 60,000 points after spending $7,500 on your Card within your first 3 months of Cardmembership
    • Plus, earn an additional 25,000 Aeroplan points when you spend $2,500 in the 13th month
    • Earn up to $4,400 in value within your first 13 months. When you combine the welcome bonus offer of up to $1,700 in value with your earning potential from normal and accelerated spending categories offering approximately $1,760 and the $1,000 in value you get with exceptional benefits, you can earn up to $4,400 or more in value within your first 13 months. Terms and usage assumptions apply.
  • Notice: As of Jan 12, 2027, the American Express® Aeroplan®* Reserve Card annual fee will increase to $799. Annual fees charged on or after this date will reflect the new fee. The Additional Aeroplan®* Reserve Card annual fee will increase to $249. The Additional Aeroplan®* Reserve No Fee Card will be renamed to the Additional Aeroplan®* Reserve Companion Card and the annual fee will increase to $25. Learn more about new benefits.

Card features

  • Cardmembers can now get an extra night free for every 3 hotel nights redeemed with Aeroplan points. Enjoy even more at over 300,000 hotel properties worldwide
  • Highest Air Canada earn rate on an Aeroplan payment card in Canada: Earn 3X the points on eligible purchases made directly with Air Canada®* and Air Canada Vacations®*
  • Standard Earn Rate: Earn 2X the points on eligible Dining and Food Delivery purchases in Canada and earn 1.25X the points on everything else
  • Get through the airport quicker with Air Canada Priority Check-In, Air Canada Priority Boarding and Air Canada Priority Baggage Handling
  • Enjoy access to select Air Canada Maple Leaf Lounges™* and Air Canada Café™ in North America for you and a guest, with a same day ticket on a departing Air Canada®* or Star Alliance®* flight
  • Enjoy your eligible first checked bag free for up to 9 people travelling on the same reservation on Air Canada flights
  • Get a 10% Head Start. Starting in 2027, eligible Basic Cardmembers with Aeroplan EliteTM* Status will receive a 10% head start toward qualification, based on Status Qualifying Credits (SQC) accumulated the year before. Roll over any unallocated unused eUpgrade Credits to the following year to enjoy during your travels
  • Get access with your American Express® Aeroplan®* Reserve Card to more than 1,200 Priority Pass airport lounges That means an oasis of comfort before your flight—regardless of your choice of airline or cabin class
  • Receive up to $100 CAD in statement credits every four years when a NEXUS application or renewal fee is charged to your American Express Aeroplan Reserve Card
  • Receive one Annual Worldwide Companion Pass when you spend $25,000 in net purchases prior to your Card anniversary date; your Pass entitles you to buy an accompanying Air Canada economy class ticket for a companion at a fixed base fare from $99 to a maximum of $599 CAD (plus taxes, fees, charges, and surcharges)
  • Amex ExperiencesTM opens doors for you to access a number of special events, including special dining experiences, VIP parties, advance film screenings and more
  • Get more from your travel experience at Toronto Pearson International Airport with:
    • Access to Pearson Priority Security Lane
    • Complimentary valet service at the Express Park and Daily Park
    • 15% discount on parking rates at the Express Park and Daily Park
    • 15% discount on Auto Care services
  • American Express® Aeroplan®* Reserve Card is made from precision cut and engraved 13 g metal – it’s the perfect companion on your next exceptional journey
  • Insurance Coverage: whether you’re shopping nearby or travelling abroad, you can feel confident knowing you can be taken care of

Apply with confidence!

  • See if you’ll be approved before you apply – with no impact to your credit score.*
  • When applying for a new card, businesses will typically run a “hard check” of your credit report. A hard credit check can cause a temporary impact to your credit score.
  • Unlike many lenders, for American Express’ personal cards, you can see if you will be approved before you apply without impacting your credit score
  • A soft credit check is a check into your credit report initiated either by you or a company even if you didn’t apply for credit. It is primarily used to screen for pre-approval financing offers or for a background check
  • Available for American Express personal cards, we’ll let you know your eligibility with no impact to your credit score, so you can submit your application with confidence.*

*Instant decisions are only available for Consumer (also known as Personal) Card applications.

Read the full review
Rewards
Rate
Air Canada flights
3x
Restaurants
2x
Benefits
Airport lounges
$400
NEXUS
$100
Concierge
Included
Travel insurance
Coverage
Travel medical (under 55)
$5,000,000 · 15 days
Travel medical (55-64)
$5,000,000 · 15 days
Trip Cancellation
$1,500
Trip Interruption
$1,500
Delayed Baggage
$1,000
Lost Baggage
$1,000
Flight Delay
$1,000
Hotel Burglary
$1,000
Travel Accident
$500,000
Purchase protection
Coverage
Purchase Protection
90 days
Extended Warranty
+1 year
Auto Rental Collision (primary)
$85,000 · 48 days
Read the full review

Awards won by this card

  • 2026 Awards Best Credit Card for Frequent Travelers

Pros

  • Welcome bonus of up to 85,000 points
  • 2x at restaurants

Cons

  • High annual fee ($599)

With this welcome offer for American Express® Aeroplan®* Reserve Card, you can earn up to 85,000 Aeroplan points. Here’s how:

  • Earn 60,000 points after you spend $7,500 on your Card in your first 3 months of Cardmembership
  • Plus, earn an additional 25,000 Aeroplan points when you spend $2,500 in the 13th month

The annual fee goes from $599 to $799 on January 12, 2027. Only fees charged on or after that date follow the new price. Sign up now and your first year is billed at $599. The Additional Card goes from $199 to $249, and the Additional Reserve No Fee Card becomes the Reserve Companion Card at $25.

With this Amex Aeroplan 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…

Read the full review
BMO VIPorter World Elite Mastercard
BMO VIPorter World Elite®* Mastercard®*
BMOPorter VIPorterFirst-Year Annual Fee Rebate
Annual feeⓘNo annual fee the first year
$0 $199
Our valuationⓘMilesopedia 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.
$1,249
Welcome offerⓘ+ one round-trip companion passAfter $18,000 in 12 months
Up to 70,000 points
Ends Oct 31, 2026
Apply Now

on BMO's website

Features
Issuer
BMO
Network
Program
Porter VIPorter
Fees and terms
Annual Fee
$199/yr
Additional card
$75
Min. annual income
$80,000+
Household income
$150,000+
Interest rates
Purchases
21.99 %
Cash advance
23.99 %
Balance transfer
23.99 %
Foreign transaction fee
2.5 %

Issuer terms

Welcome offer: Get up to $2,400 in value* including 70,000 VIPorter points and a round-trip companion pass.* Plus receive $1,000 in Qualifying Spend, and pay no annual fee in your first year.*

  • Earn 3 points for every $1 spent on Porter purchases*
  • Earn 2 points for every $1 spent on gas and transportation
  • Earn 2 points for every $1 spent on groceries and dining
  • Earn 2 points for every $1 spent on hotel accommodations
  • Earn 1 point for every $1 spent everywhere else

Benefits

  • Automatically become an Avid Traveller (VIPorter Venture)
  • One round-trip companion pass per year†
  • 1 complimentary checked bag*
  • 1 complimentary carry-on bag on all Porter fare types*
  • Free PorterClassic seat selection*
  • Priority security*
  • Priority re-accommodation for flight delays*
  • Dedicated check-in*
  • Early boarding*
  • No expiration of VIPorter points.
  • Earn $1 of qualifying spend for every $25 spent*

*This benefit applies to up to 8 companions travelling on the same booking

Travel insurance

  • 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

Purchasing insurance

  • Shop confidently with an extended warranty and purchase protection

Other Benefits

  • Enjoy six months of Instacart+ and a $10 monthly Instacart credit when you enroll your eligible BMO Credit Card.*
  • Complimentary membership in Mastercard Travel Pass provided by DragonPass. As a member enjoy lounge access for a fee of just US$32 per person, per visit. Registration is required. Visit the Mastercard Travel Pass website or use the Mastercard Travel Pass mobile application to register
  • Save up to 20% on National Car Rental® and Alamo Rent A Car® and up to 5% on Enterprise Rent-A-Car® at locations worldwide using the Car Rental Booking tool
  • Discover a world of Mastercard Travel Rewards cash back offers when you shop, dine and relax with our partners outside of Canada.
  • Get 20% off admission to Cirque du Soleil shows touring Canada and 15% off resident shows in Las Vegas
  • Save up to 7% on your Booking.com prepaid hotel or property rental bookings at booking.com/mastercardcanada
  • Access valuable benefits and offers for digital everyday services from a variety of on-demand apps and subscription services.
Read the full review
Rewards
Rate
Porter flights
3x
Groceries
2x
Convenience
2x
Transit
2x
Gas & EV
2x
Restaurants
2x
Benefits
Airport lounges
Included
Travel insurance
Coverage
Travel medical (under 55)
$5,000,000 · 21 days
Travel medical (55-64)
$5,000,000 · 21 days
Trip Cancellation
$2,000
Trip Interruption
✓
Delayed Baggage
✓
Lost Baggage
✓
Flight Delay
✓
Hotel Burglary
✓
Travel Accident
✓
Purchase protection
Coverage
Purchase Protection
90 days
Extended Warranty
+1 year
Auto Rental Collision
$65,000 · 48 days
Read the full review

Pros

  • First Year Annual Fee Rebate
  • Welcome bonus of up to 70,000 points
  • 2x on groceries
  • 2x at restaurants

Cons

  • High annual fee ($199)
  • Requires good credit

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…

Read the full review
Scotia Momentum Visa Infinite + Card
Scotia Momentum® Visa Infinite +* Card
ScotiabankCash BackFirst-Year Annual Fee Rebate
Annual feeⓘNo annual fee the first year
$0 $120
Our valuationⓘMilesopedia first-year estimate First-year valueWelcome bonus$300Annual fee rebated$120Total$420Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
$420
Welcome offerⓘAfter $2,000 in 3 months
Up to $300 Cash Back
Ends Nov 1, 2026
Apply Now

on Scotiabank's website

Features
Issuer
Scotia
Network
Program
Cash Back
Fees and terms
Annual Fee
$120/yr
Additional card
$50
Min. annual income
$60,000+
Household income
$100,000+
Interest rates
Purchases
20.99 %
Cash advance
22.99 %
Balance transfer
22.99 %
Foreign transaction fee
2.5 %

Issuer terms

Get 15% cash back on all purchases (up to $2,000 in total purchases) for the first three months1. 0% introductory rate on balance transfers for the first 12 months (2% cash advance fee, thereafter: 22.99%)1.

  • Pay no annual fee in the first year, including on additional cards1
  • 4% for every $1 you spend on grocery store purchases, recurring bill payments and subscription purchases.
  • 2% for every dollar spent on gas and daily transit purchases
  • 1% cash back on all other purchases with no cashback limit
  • Visa Infinite* Concierge Services
  • Visa Infinite* Hotel Collection
  • Visa Infinite* Dining and Wine Country Program
  • Comprehensive Travel Insurance & New Mobile Device Insurance coverage
  • New 2% Cash Back earn category: You will earn 2% on all eligible purchases of Food Delivery1.
  • New Cash Back Anytime feature: Redeem your cash back that you’ve earned whenever you need it, through the Scotia app or Scotia Online ($25.00 minimum redemption)1.

Rates, fees and other information are effective as of July 2, 2026. Subject to change.

Read the full review
Rewards
Rate
Groceries
4x
Bills & recurring payments
4x
Telecom
4x
Gas & EV
2x
Transit
2x
Streaming
2x
Benefits
Concierge
Included
Travel insurance
Coverage
Travel medical (under 55)
$1,000,000 · 15 days
Travel medical (55-64)
$1,000,000 · 15 days
Trip Interruption
$2,000
Delayed Baggage
$500
Lost Baggage
$500
Flight Delay
$500
Travel Accident
$500,000
Purchase protection
Coverage
Purchase Protection
90 days
Extended Warranty
+1 year
Mobile Device
$1,000 · 1 year
Auto Rental Collision
$65,000 · 48 days
Read the full review

Pros

  • First Year Annual Fee Rebate
  • Welcome bonus of up to $300
  • 4x on groceries

Cons

  • Requires good credit

The Scotia Momentum® VISA Infinite*+ card is recognized, year after year, as one of the best cash back credit cards in Canada. Milesopedia has even named it best cash back credit card in 2026.

Currently, thanks to this promotional offer, the Scotia Momentum Visa Infinite+ Card has no annual fee for the first year, including on additional cards. And you can get 15% cash back on all your purchases for the first three months (up to $2,000 in total purchases).

It also includes a new convenient benefit for travellers: enjoy 10 GB of free GigSky global mobile data for 15 days, as well as access to Travel Essentials to use essential apps like messaging, maps, and email while on the go. Cardholders also continue to receive 1 GB of free GigSky mobile data per year, plus a 20% discount on future GigSky purchases.

With the Scotia Momentum® VISA Infinite+ card, you get…

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