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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.

Scotia Momentum Visa Infinite + Card
Scotia Momentum® Visa Infinite +* Card
ScotiaCash BackFirst-Year Annual Fee Rebate
Annual feeNo annual fee the first year
$0 $120
Our valuationMilesopedia 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 offerAfter $2,000 in 3 months
Up to $300 Cash Back
Ends Nov 1, 2026
Apply Now

on Scotiabank's website

Features
Issuer
Scotia
Network
Loyalty Program
Cash Back
Fees and terms
Annual Fee
$120/yr
Min. annual income
$60,000+
Read full review
Rewards
Rate
Groceries
4x
Bills & recurring payments
4x
Telecom
4x
Gas & EV
2x
Transit
2x
Streaming
2x
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
Convenience
5x
Restaurants
5x
Groceries
5x
Streaming
3x
Transit
2x
Gas & EV
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
Groceries
2x
Restaurants
2x
Transit
2x
Entertainment
2x
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
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
RBC Avion Visa Infinite Business Card
RBC Avion Visa Infinite Business Card
BusinessRBCRBC Avion Rewards - EliteFirst-Year Annual Fee Rebate
Annual feeNo annual fee the first year
$0 $175
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$1,700Annual fee rebated$175Total$1,875Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
$1,875
Welcome offerAfter $15,000 in 6 months
Up to 100,000 points
Ends Nov 30, 2026
Apply Now

on RBC's website

Features
Issuer
RBC
Network
Loyalty Program
RBC Avion Rewards - Elite
Fees and terms
Annual Fee
$175/yr
Min. annual income
$60,000+
Read full review
TD Aeroplan Visa Infinite Privilege Credit Card
TD® Aeroplan® Visa Infinite Privilege* Credit Card
TDAeroplan
Annual fee
$599
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$2,000Annual credit$100Total$2,100Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
$2,100
Welcome offerAfter $24,000 in 12 months
Up to 100,000 points
Apply Now

on TD's website

Features
Issuer
TD
Network
Loyalty Program
Aeroplan
Fees and terms
Annual Fee
$599/yr
Min. annual income
$150,000+
Read full review
Rewards
Rate
Air Canada flights
2x
Restaurants
1.5x
Groceries
1.5x
Travel
1.5x
Transit
1.5x
Gas & EV
1.5x
Read full review
CIBC Aeroplan Visa Infinite Privilege Card
CIBC® Aeroplan® Visa Infinite Privilege* Card
CIBCAeroplan
Annual fee
$599
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$2,000Total$2,000Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
$2,000
Welcome offerAfter $25,000 in 12 months
Up to 100,000 points
Apply Now

on CIBC's website

Features
Issuer
CIBC
Network
Loyalty Program
Aeroplan
Fees and terms
Annual Fee
$599/yr
Min. annual income
$150,000+
Read full review
Rewards
Rate
Air Canada flights
2x
Groceries
1.5x
Pharmacy
1.5x
Gas & EV
1.5x
Read full review
RBC Avion Visa Infinite Privilege Card
RBC Avion Visa Infinite Privilege Card
RBCRBC Avion Rewards - Elite
Annual fee
$399
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$1,700Total$1,700Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
$1,700
Welcome offerAfter $5,000 in 6 months
Up to 100,000 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
$399/yr
Min. annual income
$200,000+
Read full review
BMO VIPorter World Elite Mastercard
BMO VIPorter World Elite®* Mastercard®*
BMOPorter VIPorterFirst-Year Annual Fee Rebate
Annual feeNo annual fee the first year
$0 $199
Our valuationMilesopedia 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
Loyalty Program
Porter VIPorter
Fees and terms
Annual Fee
$199/yr
Min. annual income
$80,000+
Read full review
Rewards
Rate
Porter flights
3x
Groceries
2x
Convenience
2x
Transit
2x
Gas & EV
2x
Restaurants
2x
Read full review
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