Compare Credit Cards in Canada - 2026

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Scotiabank Gold American Express® Card

Scotiabank Scene+

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

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

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

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TD First Class Travel® Visa Infinite* Card

TD TD Rewards First-Year Annual Fee Rebate

Annual fee: $0 $139No annual fee the first year
Our valuation: $1,039Milesopedia 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.
Welcome offer: 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…

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Marriott Bonvoy® American Express®* Card

American Express Marriott Bonvoy

Annual fee: $120
Our valuation: $990Milesopedia first-year estimate First-year valueWelcome bonus$990Total$990Rewards 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 110,000 points

Apply Now

on American Express's website

Apply with confidence — no impact on your credit scoreApply 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: Marriott Bonvoy

Fees and terms
Annual Fee: $120/yr
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

Earn up to 110,000 bonus Marriott Bonvoy^® points

New Marriott Bonvoy^® American Express^®* Cardmembers can earn 80,000 bonus Marriott Bonvoy^® points after you spend $6,000 on your Card in your first 6 months of Cardmembership
Plus, earn 30,000 Points by making a purchase during your 15th month of Cardmembership.
Offer ends September 22, 2026.

Card features

Earn 5 points for every dollar in eligible Card purchases at hotels participating in Marriott Bonvoy^®
Earn 2 points for every $1 in all other Card purchases
Receive an Annual Free Night Award for up to 35,000 points at eligible hotels and resorts worldwide every year after your first anniversary
No annual fee on Additional Cards.
Redeem points for free nights with no blackout dates at over 7,000 of the world’s most desired hotels
Automatic Marriott Bonvoy Silver Elite status membership.
Receive 15 Elite Night Credits each calendar year with your Marriott Bonvoy® American Express®* Card. These can be used towards attaining the next level of Elite status in the Marriott Bonvoy program.
Enjoy an automatic upgrade to Marriott Bonvoy Gold Elite status when you reach $30,000 in purchases on the Card each year or when you combine 10 qualifying paid nights within one calendar year with the 15 Elite Night Credits from your card

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
Marriott Bonvoy hotels: 5x

Travel insurance: Coverage
Delayed Baggage: $500
Lost Baggage: $500
Flight Delay: $500
Hotel Burglary: $500
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

Pros

Welcome bonus of up to 110,000 points
2x on groceries
2x at restaurants

Cons

Fewer premium perks

The Marriott Bonvoy® American Express®* Card is the best credit card in Canada for free hotel nights.

New Cardmembers can earn up to 110,000 Marriott Bonvoy® points with the current offer:

Earn 80,000 points after you spend $6,000 on your Card in your first 6 months of Cardmembership.
Plus, earn 30,000 points by making a purchase during your 15th month of Cardmembership.

This offer ends on September 22, 2026. The annual fee is $120, and there is no annual fee on Additional Cards, so you can add a partner or a family member at no extra cost…

Read the full review

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RBC Avion Visa Infinite Card

RBC RBC Avion Rewards - Elite

Annual fee: $120
Our valuation: $1,050Milesopedia first-year estimate First-year valueWelcome bonus$1,050Total$1,050Rewards 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

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 and earn 3x the Avion points¹¹

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

ExclusiveCompare

National Bank World Elite® Mastercard®

National Bank NBC RewardsFirst-Year Annual Fee Rebate

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

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

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

FeaturedCompare

TD® Aeroplan® Visa Infinite* Card

TD Aeroplan First-Year Annual Fee Rebate

Annual fee: $0 $139No annual fee the first year
Our valuation: $1,239Milesopedia 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.
Welcome offer: 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

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…

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American Express Cobalt® Card

American Express Amex Membership Rewards

Annual fee: $191.88
Our valuation: $255Milesopedia 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.
Welcome offer: Up to 15,000 points

Apply Now

on American Express's website

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^® Amex^TM Presale & Reserved Tickets to some of your favourite concerts and theatre performances and special offers and events curated for Cardmembers with Amex Experiences^TM

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

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…

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BMO VIPorter World Elite®* Mastercard®*

BMO Porter VIPorter First-Year Annual Fee Rebate

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

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…

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Scotia Momentum® Visa Infinite +* Card

Scotiabank Cash BackFirst-Year Annual Fee Rebate

Annual fee: $0 $120No annual fee the first year
Our valuation: $420Milesopedia 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.
Welcome offer: Up to $300 Cash Back

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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BMO Ascend™ World Elite®* Mastercard®*

BMO BMO Rewards First-Year Annual Fee Rebate

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

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 $1,600 in value, including up to 100,000 points, 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.*
Enjoy six months of Instacart+ and a $10 monthly Instacart credit when you enroll your eligible BMO Credit Card.*

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 100,000 points
3x at restaurants

Cons

Requires good credit

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*

Read the full review

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National Bank World Elite® Mastercard®

National Bank NBC RewardsFirst-Year Annual Fee Rebate

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

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

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

Pros

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

Cons

No welcome bonus
Requires good credit

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…

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