The best Canadian credit card for you.

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• American Express Cobalt

  Up to 15,000 Membership Rewards points

  Only for new Cobalt Cardmembers. Current or former Cobalt Cardmembers can't get the offer. You earn 1,250 Membership Rewards points for each monthly billing period in your first year in which at least $750 in net purchases posts to your account by the last day of the billing period. That adds up to a maximum of 15,000 points. A purchase that posts after the period ends counts toward the next period. Your account must be in good standing. Bonus points can take up to 8 weeks to arrive. Amex says the offer is subject to change. The card fee is $15.99 a month ($191.88 a year); Quebec residents pay $191.88 once a year. This is the standard public offer. Amex's Cobalt page may show some visitors a higher Elevated Offer.

  Annual fee: $191.88

  Terms checked Oct 11, 2026 on the issuer’s official page

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• American Express Aeroplan Reserve

  Up to 85,000 Aeroplan points

  For new American Express Aeroplan Reserve Cardmembers only. Current or former Reserve Cardmembers can't get it. You earn 60,000 Aeroplan points when at least $7,500 in net purchases post to your account within your first 3 months. You earn another 25,000 points when you spend $2,500 in month 13 of Cardmembership. Amex may also deny the bonus if you already received Aeroplan welcome points on the same category of Aeroplan card from another issuer. The offer can change at any time. Annual fee is $599. Amex's notice on the page says annual fees charged on or after January 12, 2027 will be $799. This is the standard public offer. Amex's other Aeroplan Reserve product page may show some visitors a higher Elevated Offer.

  Annual fee: $599

  Terms checked Oct 11, 2026 on the issuer’s official page

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• American Express Platinum

  Up to 100,000 Membership Rewards points (70,000 after $10,000 spend in 3 months + 30,000 for a purchase in months 15–17)

  New Platinum Cardmembers only (current or former Platinum Cardmembers are not eligible). 70,000 MR points after $10,000 in net purchases posted in the first 3 months; an additional 30,000 MR points for one purchase of any amount charged between months 15 and 17 of Cardmembership. $799 annual fee (charge card). This is the standard public offer. Amex's Platinum page may show some visitors a higher Elevated Offer.

  Annual fee: $799

  Terms checked Oct 11, 2026 on the issuer’s official page

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• American Express Aeroplan

  Up to 45,000 Aeroplan points

  New American Express Aeroplan Cardmembers only. You get 35,000 Aeroplan points after $7,500 in net purchases within the first 6 months, plus 10,000 more points when you spend $1,000 in month 13 of Cardmembership. Current or former Cardmembers with this Card are not eligible. You may also not be eligible if you already received welcome or incentive Aeroplan points on an Aeroplan card of the same category from another issuer. Other terms apply. Annual fee is $120. Amex's notice on the page says annual fees charged on or after January 12, 2027 will be $150.

  Annual fee: $120

  Terms checked Oct 11, 2026 on the issuer’s official page

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• Scotia Passport Visa Infinite

  25,000 bonus Scene+ points (up to 35,000 with the 10,000-point annual bonus at $40,000 spend)

  Open a new Scotiabank Passport Visa Infinite+ account between August 4, 2026 and November 1, 2026. Spend at least $2,000 on eligible purchases in the first 3 months to get 25,000 bonus Scene+ points, credited about 8 weeks after you qualify. There is also a separate annual bonus: 10,000 Scene+ points each year you spend at least $40,000 on eligible purchases, plus 2,000 points for every extra $10,000 spent that year. You are not eligible for the 25,000-point bonus if you held a Scotiabank personal credit card as a primary or secondary cardholder in the past 2 years (including switching from one), or if you are a Scotiabank employee. The annual fee is $150, and the offer terms list no first-year waiver of it. The first supplementary card is $0, and each one after that is $50. The Ultimate Package chequing account gives a rebate of up to $150 on the annual fee each year, and the Preferred Package gives a $40 rebate from the first card anniversary on, with at least $15,000 in purchases in the prior 12 statement periods (the first-year fee is not rebated).

  Annual fee: $150

  Terms checked Oct 11, 2026 on the issuer’s official page

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• TD Aeroplan Visa Infinite

  Up to 50,000 Aeroplan points + first-year annual fee rebate

  10,000 Aeroplan points after your first purchase. Another 15,000 points when you spend $3,000 in net purchases within 90 days of opening the account. Then a one-time anniversary bonus of 25,000 points if you spend $12,000 in net purchases within 12 months and the account stays open and active for 12 months. The first-year annual fee is rebated ($139 for the primary cardholder, and up to 3 additional cardholders) if you activate the card and make your first purchase within 3 months of opening. Additional cardholders must be added within 3 months. You are not eligible if you opened any TD Aeroplan Visa account in the last 12 months, and Aeroplan's rules on earlier welcome points also apply. Income requirement: $60,000 personal or $100,000 household.

  Annual fee: $139

  Terms checked Oct 11, 2026 on the issuer’s official page

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• American Express Gold Rewards

  Up to 60,000 Membership Rewards points

  New American Express Gold Rewards Cardmembers only; current or former Gold Rewards Cardmembers can't get the bonus. You earn 5,000 points for each monthly billing period in your first year of Cardmembership in which at least $1,000 in net purchases posts to your account by the last day of that billing period. Over 12 billing periods that adds up to 60,000 points, which takes at least $12,000 in spending. Bonus points can take up to eight weeks to post. $250 annual fee.

  Annual fee: $250

  Terms checked Oct 11, 2026 on the issuer’s official page

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• BMO Eclipse Visa Infinite Privilege

  Up to 200,000 BMO Rewards points + up to $200 NEXUS credit + $200 anniversary lifestyle credit

  The points come in three tiers. You get 80,000 points after spending $6,000 in net purchases in the first 110 days, another 40,000 after $30,000 in the first 180 days, and another 80,000 after $75,000 in the first 12 months. BMO pays up to $200 back when a NEXUS application fee posts to the primary card in year one. The $200 lifestyle credit needs one purchase of $200 or more in the annual period and is paid after the anniversary, when the annual fee renews. Applications must arrive by October 31, 2026. The annual fee is $599. Minimum income is $150,000 (individual) or $200,000 (household). The offer is not open to current or former eclipse Visa Infinite Privilege cardholders, or to existing BMO cardholders switching into this card. Bonus points may be taken back if the card is closed within 365 days.

  Annual fee: $599

  Terms checked Oct 11, 2026 on the issuer’s official page

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• RBC Avion Visa Infinite

  Up to 70,000 Avion points

  The offer is paid in three parts. You get 35,000 Avion points on approval, shown on a statement within 60 days of approval. You get 20,000 bonus points once $5,000 in qualifying net purchases and/or pre-authorized bill payments posts to the account within the first 6 months. You get 15,000 one-time anniversary points, credited 12-16 weeks after the account's first anniversary. The account must be open and in good standing when each batch of points is credited. The offer only covers new applications received between August 13, 2026 and November 25, 2026. Additional cardholders are not eligible, and neither are existing RBC personal credit cardholders who switch to this card. It can't be combined with other offers. The card requires a minimum personal income of $60,000 or a minimum household income of $100,000.

  Annual fee: $120

  Terms checked Oct 11, 2026 on the issuer’s official page

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• BMO Ascend World Elite Mastercard

  Up to 115,000 BMO Rewards points + first-year annual fee waived

  Welcome points come in three tiers: 60,000 points for $5,000 in net purchases within the first 110 days, 20,000 more for $10,000 within the first 180 days, and 35,000 more for $20,000 within the first 12 months. Your application must be received between September 15, 2026 and December 7, 2026. The offer is not open to current or former BMO Ascend World Elite Mastercard cardholders, or to existing BMO cardholders who switch into this card. The $150 primary annual fee is rebated in year one, and $50 additional cards are also rebated in year one if added at application. BMO also gives one NEXUS statement credit of up to $200 in the first year. Minimum income is $80,000 individual or $150,000 household. Points may be clawed back if the card is cancelled within 365 days.

  Annual fee: $150

  Terms checked Oct 11, 2026 on the issuer’s official page

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• Marriott Bonvoy American Express

  Up to 70,000 Marriott Bonvoy points

  New Marriott Bonvoy American Express Cardmembers only. Earn 60,000 points after at least $3,000 in net purchases within the first 3 months, plus an additional 10,000 points after at least $500 in net purchases during month 13. The month-13 bonus requires keeping the card into the second year, and the second-year annual fee is payable. Current or former cardmembers of this card are not eligible. Amex says the offer is subject to change at any time. Annual fee is $120.

  Annual fee: $120

  Terms checked Oct 11, 2026 on the issuer’s official page

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• CIBC Aeroplan Visa Infinite

  Up to 50,000 Aeroplan points + first-year annual fee rebate

  Tiered bonus for newly approved accounts (applications approved beginning July 16, 2026). You get 10,000 Aeroplan points after your first purchase. You get 15,000 more if you have at least $6,000 in net purchases posted during the first 6 monthly statement periods. A 25,000-point anniversary bonus follows if you have at least $12,000 in net eligible purchases posted during the first 12 monthly statement periods, paid within 8 weeks after the one-year account open date. The account must be open and in good standing. There is also a one-time first-year annual fee rebate for the primary cardholder and up to 3 authorized users added at application. Transfers and product changes from other CIBC cards are excluded. You may not qualify if you previously received an Aeroplan credit card welcome bonus of the same card category from CIBC or any other issuer. Minimum income is $60,000 individual or $100,000 household.

  Annual fee: $139

  Terms checked Oct 11, 2026 on the issuer’s official page

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• CIBC Aventura Visa Infinite

  Up to 60,000 Aventura Points + first-year annual fee rebate

  15,000 Aventura Points after your first purchase, 30,000 more with at least $3,000 in net purchases and another 15,000 with at least $5,000 in net purchases posted in the first 4 monthly statement periods. One-time first-year annual fee rebate for the primary cardholder and up to 3 authorized users added at application. Earns 2 points per $1 on eligible travel booked through the CIBC Rewards Centre and 1.5 points per $1 on eligible gas, EV charging, grocery and drugstore purchases. Transfers and product changes from other CIBC cards are excluded, and you're not eligible if you opened, transferred or cancelled another Aventura card in the last 12 months. Minimum income is $60,000 individual or $100,000 household.

  Annual fee: $139

  Terms checked Oct 11, 2026 on the issuer’s official page

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• CIBC Aeroplan Visa Infinite Privilege

  Up to 100,000 Aeroplan points

  10,000 Aeroplan points when you spend $1,000 in your first 2 monthly statement periods, 40,000 when you spend $5,000 in your first 4, and a 50,000-point anniversary bonus with at least $25,000 in net eligible purchases in the first 12. Earns 2 points per $1 directly with Air Canada and Air Canada Vacations and 1.5 points per $1 on eligible gas, EV charging, groceries, travel and dining. Includes Maple Leaf Lounge access and a free first checked bag, per CIBC's page. No first-year fee rebate is listed. Transfers and product changes from other CIBC cards are excluded. You may not qualify if you previously received an Aeroplan credit card welcome bonus of the same card category from CIBC or any other issuer. Minimum income is $150,000 individual or $200,000 household.

  Annual fee: $599

  Terms checked Oct 11, 2026 on the issuer’s official page

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• CIBC Aventura Visa Infinite Privilege

  Up to 80,000 Aventura Points + $200 annual travel credit

  25,000 Aventura Points when you spend $3,000 and 25,000 when you spend $6,000 in the first 4 monthly statement periods, plus a 30,000-point anniversary bonus with at least $25,000 in net eligible purchases in the first 12 monthly statement periods. CIBC's offer footnote describes the first 50,000 points as paid with at least $6,000 in net purchases posted in the first 4 monthly statement periods. Earns 3 points per $1 on eligible travel booked through the CIBC Rewards Centre and 2 points on eligible dining, transportation, gas, EV charging and groceries. No first-year fee rebate is listed. Not available if you opened, transferred or cancelled another Aventura card in the last 12 months. Minimum income is $150,000 individual or $200,000 household.

  Annual fee: $499

  Terms checked Oct 11, 2026 on the issuer’s official page

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• CIBC Aventura Gold Visa

  Up to 60,000 Aventura Points + first-year annual fee rebate

  Same offer as the Aventura Visa Infinite: 15,000 Aventura Points after your first purchase, 30,000 more with at least $3,000 and another 15,000 with at least $5,000 in net purchases posted in the first 4 monthly statement periods, plus a first-year annual fee rebate. Earns 2 points per $1 on eligible travel booked through the CIBC Rewards Centre and 1.5 points per $1 on eligible gas, EV charging, grocery and drugstore purchases. Not available if you opened, transferred or cancelled another Aventura card in the last 12 months. Minimum household income is $15,000.

  Annual fee: $139

  Terms checked Oct 11, 2026 on the issuer’s official page

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• CIBC Aventura Visa

  Up to 12,500 Aventura Points, no annual fee

  2,500 Aventura Points for completing five activities within 60 days of approval, plus 10,000 more with at least $1,000 in net purchases posted in the first 4 monthly statement periods. Earns 1 point per $1 on eligible travel booked through the CIBC Rewards Centre and on eligible gas, EV charging, grocery and drugstore purchases. Not available if you opened, transferred or cancelled another Aventura card in the last 12 months. Minimum household income is $15,000.

  Annual fee: $0

  Terms checked Oct 11, 2026 on the issuer’s official page

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• CIBC Aeroplan Visa

  Up to 10,000 Aeroplan points, no annual fee

  2,500 Aeroplan points after your first purchase, 2,500 when you spend $1,500 in the first 4 monthly statement periods, and a 5,000-point anniversary bonus with at least $10,000 in net purchases in the first 12 monthly statement periods. Earns 1 point per $1 directly with Air Canada and Air Canada Vacations and on eligible gas, EV charging and groceries. Transfers and product changes from other CIBC cards are excluded. You may not qualify if you previously received an Aeroplan credit card welcome bonus of the same card category from CIBC or any other issuer. Minimum household income is $15,000.

  Annual fee: $0

  Terms checked Oct 11, 2026 on the issuer’s official page

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• CIBC U.S. Dollar Aventura Gold Visa

  Up to 2,500 Aventura Points + first-year fee rebate (annual fee US$35)

  500 Aventura Points for each of five activities completed within 60 days of approval (sharing your email, eStatements, adding an authorized user, holding an eligible CIBC chequing account, adding the card to a mobile wallet), plus a first-year annual fee rebate. CIBC's page also describes an annual fee rebate for cardholders who hold a premium CIBC personal credit card and a CIBC US$ Personal Account or CIBC Bank USA Smart Account. Billed in U.S. dollars with no currency conversion fees on USD purchases. Earns 1 point per $1 on eligible CIBC Rewards Centre travel and 1 point per $2 on everything else. Not available if you opened, transferred or cancelled another Aventura card in the last 12 months. Minimum household income is $15,000.

  Terms checked Oct 11, 2026 on the issuer’s official page

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