Ratesopedia
Best for: Overall value
5.0Ratesopedia rating

It comes with a welcome bonus of 60,000 points. You earn 2x on groceries and 1x at restaurants. Estimated first-year value is $1,504.

Best of Month
Annual Fee
$250
Rewards rate
1x

Amex Membership Rewards

Welcome Bonus
Up to 60,000 points
1st Year Value
$1,504

Pros

  • Welcome bonus of 60,000 points
  • 2x on groceries
  • Estimated 1st-year value of $1,504

Cons

  • High annual fee ($250)
Best for: Overall value
4.7Ratesopedia rating

It comes with a welcome bonus of 15,000 points. You earn 5x on groceries and 5x at restaurants. Estimated first-year value is $1,491.

Best of Month
Annual Fee
$191.88

$15.99/mo

Rewards rate
1x

Amex Membership Rewards

Welcome Bonus
Up to 15,000 points
1st Year Value
$1,491

Pros

  • Welcome bonus of 15,000 points
  • 5x on groceries
  • 5x at restaurants
  • Estimated 1st-year value of $1,491

Cons

  • High annual fee ($191.88)
Best for: Overall value
4.8Ratesopedia rating

It comes with a welcome bonus of 200,000 points. You earn 5x on groceries and 5x at restaurants. Estimated first-year value is $1,392.

Best of Month
Annual Fee
$599
Rewards rate
1x

BMO Rewards

Welcome Bonus
Up to 200,000 points

Ends Oct 31, 2026

1st Year Value
$1,392

Pros

  • Welcome bonus of 200,000 points
  • 5x on groceries
  • 5x at restaurants
  • Estimated 1st-year value of $1,392

Cons

  • High annual fee ($599)
  • Requires good credit
Best for: First-Year Annual Fee Rebate
5.0Ratesopedia rating

The TD First Class Travel® Visa Infinite Card offers a first year annual fee rebate (regular fee $139/yr). It comes with a welcome bonus of 146,000 points. You earn 6x on groceries and 6x at restaurants. Estimated first-year value is $1,336.

Best of MonthFirst-Year Annual Fee Rebate
Annual Fee
$139 $0
Rewards rate
2x

TD Rewards

Welcome Bonus
Up to 146,000 points
1st Year Value
$1,336

Pros

  • First Year Annual Fee Rebate
  • Welcome bonus of 146,000 points
  • 6x on groceries
  • 6x at restaurants

Cons

  • Requires good credit
Best for: Travel rewards
4.7Ratesopedia rating

It comes with a welcome bonus of 28,000 points. You earn 3x on groceries and 3x at restaurants. Estimated first-year value is $1,326.

Annual Fee
$48
Rewards rate
1x

RBC Avion Rewards

Welcome Bonus
Up to 28,000 points

Ends Nov 4, 2026

1st Year Value
$1,326

Pros

  • Welcome bonus of 28,000 points
  • 3x on groceries
  • 3x at restaurants
  • Estimated 1st-year value of $1,326

Cons

  • Fewer premium perks
Best for: First-Year Annual Fee Rebate
4.8Ratesopedia rating

The BMO CashBack® Mastercard® World Eliteᴹᴰ offers a first year annual fee rebate (regular fee $139/yr). It comes with a welcome bonus of $650. You earn 5x on groceries and 1x at restaurants. Estimated first-year value is $1,316.

Best of MonthFirst-Year Annual Fee Rebate
Annual Fee
$139 $0
Rewards rate
1x

Cash Back

Welcome Bonus
Up to $650
1st Year Value
$1,316

Pros

  • First Year Annual Fee Rebate
  • Welcome bonus of $650
  • 5x on groceries
  • Estimated 1st-year value of $1,316

Cons

  • Requires good credit
Best for: Overall value
4.7Ratesopedia rating

It comes with a welcome bonus of 50,000 points. You earn 5x on groceries and 5x at restaurants. Estimated first-year value is $1,280.

Best of Month
Annual Fee
$120
Rewards rate
1x

Scene+

Welcome Bonus
Up to 50,000 points

Ends Nov 1, 2026

1st Year Value
$1,280

Pros

  • Welcome bonus of 50,000 points
  • 5x on groceries
  • 5x at restaurants
  • Estimated 1st-year value of $1,280

Cons

  • Requires good credit
Best for: Overall value
4.7Ratesopedia rating

You earn 2x on groceries and 1x at restaurants. Estimated first-year value is $1,193.

Annual Fee
$150
Rewards rate
1x

Blue Rewards

Welcome Bonus

Ends Oct 31, 2026

1st Year Value
$1,193

Pros

  • 2x on groceries
  • Estimated 1st-year value of $1,193

Cons

  • No welcome bonus
  • Requires good credit
Best for: Travel rewards
5.0Ratesopedia rating

It comes with a welcome bonus of 80,000 points. You earn 2x on groceries and 3x at restaurants. Estimated first-year value is $1,180.

Best of Month
Annual Fee
$150
Rewards rate
2x

Marriott Bonvoy

Welcome Bonus
Up to 80,000 points
1st Year Value
$1,180

Pros

  • Welcome bonus of 80,000 points
  • 2x on groceries
  • 3x at restaurants
  • Estimated 1st-year value of $1,180

Cons

  • Fewer premium perks
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Aeroplan

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Amex Membership Rewards

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Asia Miles

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Avios

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BMO Rewards

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CIBC Aventura

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Delta SkyMiles

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Flying Blue

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Hilton Honors

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Marriott Bonvoy

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PC Optimum

Compare PC Financial Mastercard options. Earn PC Optimum points on groceries at Loblaws, No Frills, Shoppers Drug Mart, and more.

RBC Avion

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Scene+

Compare Scene+ credit cards from Scotiabank. Earn points for movies, dining, groceries at Empire stores (Sobeys, IGA, Safeway), and travel.

TD Rewards

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United MileagePlus

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VIPorter

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WestJet Rewards

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American Express

American Express

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BMO

BMO

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Brim

Compare Brim Mastercards. No foreign transaction fees across the lineup and a built-in rewards marketplace.

Capital One

Capital One

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CIBC

CIBC

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Desjardins

Desjardins

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EQ Bank

EQ Bank

Compare the EQ Bank Card. Cash back, no foreign transaction fees, and interest paid on your balance.

KOHO

KOHO

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Laurentian Bank

Laurentian Bank

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Manulife Bank

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MBNA

MBNA

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National Bank

National Bank

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Neo Financial

Neo Financial

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PC Financial

PC Financial

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RBC

RBC

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Rogers Bank

Rogers Bank

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Scotiabank

Scotiabank

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Tangerine

Tangerine

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TD

TD

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Walmart

Walmart

Compare the Walmart Rewards Mastercard. No annual fee and Walmart Rewards dollars redeemable instantly in store.

Wealthsimple

Wealthsimple

Compare Wealthsimple spending cards. 1% back in cash, stock, or crypto, no foreign transaction fees, tied to your Wealthsimple account.

Wise

Wise

Compare the Wise multi-currency card. Spend 40+ currencies at the mid-market rate with no FX markup.