FR
FR
FRBest Credit Cards

10 Best Credit Cards in Canada - October 2026

Our selection of the best credit cards in Canada, ranked by first-year value. Compare fees, rewards, welcome bonuses and insurance.

National Bank World Elite Mastercard
National Bank World Elite® Mastercard®
National BankNBC RewardsFirst-Year Annual Fee Rebate
Annual feeNo annual fee the first year
$0 $150
Our valuationMilesopedia 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
Loyalty Program
NBC Rewards
Fees and terms
Annual Fee
$150/yr
Min. annual income
$80,000+
Read full review
Rewards
Rate
Restaurants
5x
Groceries
5x
Gas & EV
2x
Bills & recurring payments
2x
Travel
2x
Read full review
Scotiabank Passport® Visa Infinite +* Card
Scotiabank Passport® Visa Infinite +* Card
ScotiaScene+
Annual fee
$150
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$350Total$350Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
$350
Welcome offerAfter $2,000 in 3 months
Up to 35,000 points
Ends Nov 1, 2026
Apply Now

on Scotiabank's website

Features
Issuer
Scotia
Network
Loyalty Program
Scene+
Fees and terms
Annual Fee
$150/yr
Min. annual income
$60,000+
Read full review
Rewards
Rate
With the partner brand
3x
Groceries
2x
Restaurants
2x
Transit
2x
Entertainment
2x
Read full review
TD First Class Travel Visa Infinite Card
TD First Class Travel® Visa Infinite* Card
TDTD RewardsFirst-Year Annual Fee Rebate
Annual feeNo annual fee the first year
$0 $139
Our valuationMilesopedia 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 offerAfter $7,500 in 6 months
Up to 160,000 points
Apply Now

on TD's website

Features
Issuer
TD
Network
Loyalty Program
TD Rewards
Fees and terms
Annual Fee
$139/yr
Min. annual income
$60,000+
Read full review
Rewards
Rate
Groceries
6x
Restaurants
6x
Transit
6x
Bills & recurring payments
4x
Streaming
4x
Read full review
American Express Cobalt Card
American Express Cobalt® Card
AmexAmex Membership Rewards
Annual fee
$191.88
Our valuationMilesopedia 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 offerGet 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 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
Loyalty Program
Amex Membership Rewards
Fees and terms
Annual Fee
$191.88/yr ($15.99/mo)
Min. annual income
—
Read full review
Rewards
Rate
Restaurants
5x
Groceries
5x
Streaming
3x
Transit
2x
Gas & EV
2x
Read full review
TD Aeroplan Visa Infinite Card
TD® Aeroplan® Visa Infinite* Card
TDAeroplanFirst-Year Annual Fee Rebate
Annual feeNo annual fee the first year
$0 $139
Our valuationMilesopedia 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 offerAfter $12,000 in 12 months
Up to 50,000 points
Apply Now

on TD's website

Features
Issuer
TD
Network
Loyalty Program
Aeroplan
Fees and terms
Annual Fee
$139/yr
Min. annual income
$60,000+
Read full review
Rewards
Rate
Gas & EV
1.5x
Groceries
1.5x
Air Canada flights
1.5x
Read full review
Marriott Bonvoy American Express Card
Marriott Bonvoy® American Express®* Card
AmexMarriott Bonvoy
Annual fee
$120
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$600Total$600Plus $100 of bonus paid after the first year, not counted in this total.Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
$600
Welcome offerAfter $3,000 in 3 months
Up to 70,000 points
Apply Now

on American Express's website

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
Loyalty Program
Marriott Bonvoy
Fees and terms
Annual Fee
$120/yr
Min. annual income
—
Read full review
Rewards
Rate
Marriott Bonvoy hotels
5x
Read full review
American Express Gold Rewards Card
American Express® Gold Rewards Card
AmexAmex Membership Rewards
Annual fee
$250
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$1,020Annual credit$100Annual credit$50Total$1,170Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
$1,170
Welcome offerAfter $12,000 in 12 months
Up to 60,000 points
Apply Now

on American Express's website

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
Loyalty Program
Amex Membership Rewards
Fees and terms
Annual Fee
$250/yr
Min. annual income
—
Read full review
Rewards
Rate
Pharmacy
2x
Gas & EV
2x
Travel
2x
Groceries
2x
Read full review
RBC Avion Visa Infinite Card
RBC Avion Visa Infinite Card
RBCRBC Avion Rewards - Elite
Annual fee
$120
Our valuationMilesopedia 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 offerAfter $5,000 in 6 months
Up to 70,000 points
Ends Nov 25, 2026
Apply Now

on RBC's website

Features
Issuer
RBC
Network
Loyalty Program
RBC Avion Rewards - Elite
Fees and terms
Annual Fee
$120/yr
Min. annual income
$60,000+
Read full review
Rewards
Rate
Travel
1.25x
Read full review
National Bank Platinum Mastercard
National Bank Platinum Mastercard®
National BankNBC RewardsFirst-Year Annual Fee Rebate
Annual feeNo annual fee the first year
$0 $70
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$360Annual fee rebated$70Total$430Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
$430
Welcome offerAfter $12,500 in 12 months
40,000 points
Ends Nov 4, 2026
Apply Now

on National Bank's website

Features
Issuer
National Bank
Network
Loyalty Program
NBC Rewards
Fees and terms
Annual Fee
$70/yr
Min. annual income
—
Read full review
Rewards
Rate
Groceries
2x
Restaurants
2x
Bills & recurring payments
1.5x
Gas & EV
1.5x
Travel
1.5x
Read full review
BMO eclipse Visa Infinite Card
BMO eclipse Visa Infinite* Card
BMOBMO RewardsFirst-Year Annual Fee Rebate
Annual feeNo annual fee the first year
$0 $120
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$469Annual fee rebated$120Total$589Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
$589
Welcome offerAfter $12,000 in 12 months
Up to 70,000 points
Apply Now

on BMO's website

Features
Issuer
BMO
Network
Loyalty Program
BMO Rewards
Fees and terms
Annual Fee
$120/yr
Min. annual income
$60,000+
Read full review
Rewards
Rate
Transit
5x
Gas & EV
5x
Restaurants
5x
Groceries
5x
Read full review
Next step

Find your perfect card

Explore our category comparisons, or calculate which card's rewards actually match your budget.

Compare all cards →

Browse by category

By category

All categories
TravelCash Back1st Yr FreeGroceriesGas & EVBusinessLow Interest

By program

All programs
AeroplanAmex Membership RewardsMarriott BonvoyScene+RBC AvionPC OptimumBMO Blue Rewards

By institution

All institutions
American ExpressBMONational BankCIBCRBCScotiabankTD