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Advertisers are not responsible for the content of this site, including any editorial or review that may be published on it. For complete and up-to-date information about any product featured, please visit their website. We maintain business relationships with certain partners mentioned in our communication tools. While we may receive compensation if you sign up for a product or service through our affiliate links, our reviews and content are based on an objective assessment. Value estimates are established by Milesopedia and are not provided, endorsed, or verified by the issuing financial institutions. †*Terms and conditions apply.
We have analyzed more than 140 credit cards in Canada.
Find the best credit card for your needs: use our filters to compare your options by issuer, reward type, reward program, annual fee, income, offer value, etc.
Welcome Offer and Renewal
Earn up to 25,000 miles, including a welcome bonus and an annual renewal bonus.
Welcome Bonus — up to 20,000 MileagePlus miles
Renewal bonus
Mile Earn Rates
Benefits of the card
World Elite Mastercard Benefits
Insurance
Chubb travel insurance is not offered in Quebec.
Maximize your travel: earn more miles on every flight
When you book a United flight, you earn miles as a MileagePlus member—but as a cardholder, you earn even more. You receive the miles awarded by United for your flight, plus the miles you earn by paying with your card.
Your earnings add up, allowing you to build your miles balance significantly faster than non-cardholders each time you travel.
Get more value from your miles
As a United cardholder, your miles are worth more—and give you access to more options.
You automatically receive at least a 10% discount on award flights (and 15% if you hold Premier status), allowing you to use fewer miles for the same trip.
In addition, you gain access to exclusive availability on Saver Award fares, including premium-cabin seats such as Polaris® business class, which are not always available to non-cardholders.
In practical terms, this means:
Conditions Apply. Conditions apply. Limited one-time offer for new customers who have not opened a United Neo World Elite Mastercard before the date of application approval. Must (1) be the age of majority in your province or territory of residence; (2) be a Canadian resident; (3) have annual personal income of $80,000 CAD or annual household income of $150,000 CAD; and (4) for secured cards only, provide security funds. Initial 5,000 MileagePlus miles are issued once the card is activated. To earn additional 15,000 MileagePlus miles, minimum spend of $3,000 net of refunds must be completed within 3 months from application start date. Additional MileagePlus miles are issued 6–8 weeks after the qualifying spend period. MileagePlus® miles may be limited and vary by perks, offer, and partner. Offer is subject to MileagePlus® terms and conditions. MileagePlus® is managed, administered, and serviced by MileagePlus Holdings, LLC. Neo Financial™ and United MileagePlus® reserve the right to amend or withdraw this offer at any time. Neo Financial™ and United MileagePlus reserve the right to modify or withdraw this offer at any time.
Earn up to 70,000 bonus Marriott Bonvoy® points
Card features
Apply with confidence!
*Instant decisions are only available for Consumer (also known as Personal) Card applications.
American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information, click the Apply Now link. If you apply and get approved for an American Express Card, we may receive compensation from American Express, which can be in the form of monetary payment.
Join and get up to $100 in value† for no annual fee.†
Here’s how it adds up:
How do Adapta points work?
Each month, you’ll automatically earn:
What are Adapta points worth?
Save over $600 with CIBC and Skip
Get a 12-month Skip+ free trial and other exclusive benefits when you link your CIBC Adapta Mastercard with Skip.†
Save on gas with CIBC and Journie Rewards
Link and use your CIBC Adapta Mastercard with Journie Rewards to save up to 10 cents per litre† at participating Pioneer, Fas Gas, Ultramar and Chevron gas stations.†
CIBC may approve your application, but you are not eligible to receive this Offer if you have opened, transferred or cancelled another Adapta card within the last 12 months.† †Terms and Conditions Apply. Select Apply Now to learn more.
Earn up to 80,000 bonus Marriott Bonvoy® points
Earn Marriott Bonvoy points that you can redeem in a variety of ways:
Make the most out of a full suite of business management tools that give you more control over your business - anytime and anywhere.
Experience the exclusive benefits of the Marriott Bonvoy® Business American Express®* Card:
Get 45,000 welcome WestJet points upon first purchase - $450 in WestJet travel savings*
Fastest Way to Earn WestJet Points
Combine WestJet Points
Redeem WestJet Points
Enjoy airport lounges worldwide
® / ™ Trademark(s) of Royal Bank of Canada. RBC and Royal Bank are registered trademarks of Royal Bank of Canada.
‡ All other trademarks are the property of their respective owner(s).
* To benefit from this offer and receive 45,000 welcome WestJet points upon your first purchase (“Welcome WestJet Points”), your application must be approved by Royal Bank of Canada (“Royal Bank”).
WestJet bonus enrolment points will appear in your WestJet Rewards account, accessible at westjet.com/account, within six (6) weeks of your first purchase, provided your WestJet RBC World Elite Mastercard for Business credit card account (“credit card account”) is open and in good standing at that time. “In good standing” means the account is not more than two (2) consecutive statement periods past due, closed, or written off, and credit has not been revoked. Only the primary cardholder of the business credit card account is eligible for WestJet bonus enrolment points; joint cardholders are not eligible. To receive WestJet bonus enrolment points, the primary cardholder of the business card must make at least one (1) purchase during the eligibility year (defined below). Any purchase made by a secondary cardholder of the business card does not count as a “first purchase.”
If you close your Credit Card Account or change it for another type of RBC Royal Bank credit card before the Welcome WestJet Points have been awarded to your WestJet Rewards account, you may not receive the points. This offer may not be combined or used in conjunction with any other offer. Royal Bank and WestJet reserve the right to modify, cancel or withdraw this offer at any time without notice, even after your application has been approved, including if we suspect that you may be manipulating or abusing it, or engaging in any suspicious or fraudulent activity, as determined by us in our sole discretion.
“Qualifying Year” means January 1 to December 31 of each calendar year. For new Eligible WestJet RBC Business Accounts, it means the period between the first WestJet RBC Business Account’s monthly statement date, and December 31.
Exclusive welcome offer: Get up to $1,200 in value, including up to 80,000 bonus points, a monthly statement credit for streaming services, a $50 statement credit, and no annual fee for the first year.*
*Terms and conditions apply.
BMO is not responsible for maintaining the content on this site. For the latest information, please click on Apply Now.
Welcome offer: Get up to $1,600 in value including up to 100,000 points, Mastercard Travel Pass Program & 4 Complimentary Lounge Passes, NEXUS Statement Credit and the annual fee waived in the first year for both the primary cardholder and authorized users.*
Additionally, enjoy a 0% introductory interest rate on balance transfers for 12 months as well as a 2% balance transfer fee.*
*Terms and conditions apply
BMO is not responsible for updating the content of this site. For the most up-to-date information, please click on the Online Application link.
SPECIAL OFFER: Earn 20,000 PC Optimum™ points when you apply for the no annual fee PC® World Elite® Mastercard® and spend $50 or more at participating stores within 60 days of account approval.
That’s like $20. And you deserve an extra $20.
See terms and conditions** for details.
Rewards to look forward to
You'll love these benefits
Even more benefits you’ll love
All rates and fees for the PC® Mastercard®.
Offer valid for new President’s Choice Financial® Mastercard® cardholders who apply by December 31, 2026. Earn a one-time bonus of 20,000 PC Optimum™ points when you spend $50 CDN or more in total qualifying purchases at participating Loblaw banner grocery stores, The Mobile Shop™ stores, Joe Fresh® stores, Shoppers Drug Mart® stores, Pharmaprix® stores, Esso™ or Mobil™ stations in Canada within 60 days of account approval. Visit pcoptimum.ca for participating stores. Qualifying purchases must be made with your new PC Financial® Mastercard®. Date of account approval is the date of the PC Financial® email confirming that your PC Financial® Mastercard® is approved.
Qualifying purchases excludes refunds, cash advances, balance transfers, interest charges, fees, credit or debit adjustments. Any refunds or merchant credits received during the offer period will reduce your total purchase amount for the purposes of this offer. Cannot be used with any other promotions or offers. Offer has no cash value. Your President’s Choice Financial® Mastercard® account must be open and in good standing at the time points are awarded. Offer applies to new accounts only. This introductory offer is limited to one per new PC Financial® Mastercard® account and may be terminated or changed at any time without notice. Allow 4-6 weeks from qualifying purchase(s) for bonus PC Optimumᵀᴹ points to be awarded.
1 If you are approved for the Basic Rate PC Financial® Mastercard®, your rates will be as follows. Purchase interest rate: 26.99%, Cash Advance interest rate: 27.97%. The Basic Rate is not available in Quebec. For more information, please refer to the Application Disclosure Summary.
2 Earn a minimum of 10 PC OptimumTM points per dollar on all of your purchases charged to the credit card. Any bonus PC OptimumTM points offers available to all PC Financial® Mastercard® customers are calculated based on the regular earnings rate of 10 PC OptimumTM points per dollar spent. This offer may be terminated or changed at any time.
3 Our grocery stores means affiliated Loblaw banner grocery stores. Visit pcoptimum.ca for details on participating stores where the PC OptimumTM program is offered. Minimum redemption is 10,000 PC OptimumTM points (worth $10 in free rewards) and in increments of 10,000 PC OptimumTM points thereafter, at participating stores. You can redeem the PC OptimumTM points you earn for eligible purchases, or for any other purposes of which we may advise you from time to time. Some redemption restrictions apply. Visit pcoptimum.ca for details and full store list.
4 Points amount shown includes the 10 points per dollar for all purchases with the PC Financial® Mastercard®. In addition, earn at least 10 PC OptimumTM points per purchased litre of gasoline or diesel fuel at EssoTM and MobilTM stations in Canada when you pay with your PC Financial® Mastercard®. You will also earn at least 10 PC OptimumTM points per litre available to all PC OptimumTM loyalty members at EssoTM and MobilTM stations in Canada. Earn an additional 10 points per litre of premium gasoline (Octane 89, 91, 93) at EssoTM and select MobilTM Stations. You could earn even more points at Mobil™ stations located adjacent to a Loblaw banner grocery store. Exact earn rate is available at the station. Should fuel prices fall below $1/L, causing total points per litre awarded to fall below 30 points per litre, points will be topped up to ensure a minimum of 30 points per litre are awarded in all transactions paid with a PC Financial® Mastercard® at EssoTM and MobilTM locations. For full details including how points are awarded to your PC OptimumTM account and rounding rules, visit pcfinancial.ca/en/legal-stuff/pc-optimum-mastercard/.
5 All PC OptimumTM members earn 15 points per dollar on eligible purchases at Shoppers Drug Mart® and Pharmaprix® stores. When you use your PC Financial® Mastercard® you will earn additional points per dollar: 10 points per dollar for PC Financial® Mastercard® cardholders; 20 points per dollar for PC Financial® World Mastercard® cardholders; 30 points per dollar for PC Financial® World Elite® Mastercard® cardholders; and 35 points per dollar for PC InsidersTM World Elite® Mastercard® cardholders.
6 Purchase Assurance and Extended Warranty are underwritten by American Bankers Insurance Company of Florida. Details of coverage, including definitions, benefits, limitations, and exclusions, are outlined in the Certificate of Insurance delivered with your card or included with the Welcome Documents delivered to your online Notification Centre at pcfinancial.ca.
7 Cash advances are accessible only up to your available cash limit and your current cash advance interest rate applies from the date of the transaction.
8 Earn 40 PC OptimumTM points per dollar on qualifying purchases made with a PC InsidersTM World Elite® Mastercard® credit card at participating Loblaw banner stores. For these purchases you will earn the regular 10 PC OptimumTM points per dollar plus an extra 30 PC OptimumTM points per dollar charged on your card(s) for a total of 40 PC OptimumTM points per dollar. Any bonus PC OptimumTM points offers available to all PC Financial® Mastercard® customers are calculated based on the regular earnings rate of 10 PC OptimumTM points per dollar spent.
10 Concierge Services are provided by Assurant Services Canada Inc. (ASCI). Details of service, including definitions, benefits, limitations, and exclusions, are outlined in the Terms and Conditions delivered with your card or included with the Welcome Documents delivered to your online Notification Centre at pcfinancial.ca.
®/TM Trademarks of Loblaws Inc., used under license.
Mastercard® is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. President’s Choice Bank is a licensee of the marks.
Shoppers Drug Mart®, Pharmaprix® and logos are trademarks of 911979 Alberta Ltd., used under license.
®/TM Esso is a trademark of Imperial Oil Limited. Imperial Oil, licensee. Mobil is a trademark of Exxon Mobil Corporation or one of its subsidiaries. Imperial Oil, licensee.
President’s Choice Financial® Mastercard® is provided by President’s Choice Bank.
The PC OptimumTM loyalty program is provided by President’s Choice Services Inc.
SPECIAL OFFER: Earn 20,000 PC Optimum™ points when you apply for the no annual fee PC® World Mastercard® and spend $50 or more at participating stores within 60 days of account approval.
See the terms and conditions** for more details.
SPECIAL OFFER: Earn 20,000 PC Optimum™ points when you apply for the no annual fee PC® Mastercard® and spend $50 or more at participating stores within 60 days of account approval.
Savings this way:
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