Best Credit Cards with Insurance in Canada - September 2026

Earn up to $1,400 in value^†, including up to 160,000 TD Rewards Points, receive an Annual Fee rebate for the first year^† and additional travel benefits. Conditions Apply.

• Earn a welcome Bonus of 20,000 TD Rewards Points when you make your first Purchase with your Card^†
• Earn 140,000 TD Rewards Points when you spend $7,500 within 180 days of Account opening^†
• Get an Annual Fee Rebate for the first year^†
• Get an annual TD Travel Credit^† of $100 when you book at Expedia^® For TD.
• Earn a Birthday Bonus of up to 10,000 TD Rewards points^†.
• Enjoy your time at the airport with global airport lounge access and 4 complimentary lounge visits with Visa Airport Companion Program (a value of up to $277)^†.

To receive the first-year Annual Fee Rebate for the Primary Cardholder, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening. To receive the Additional Cardholder(s) first-year Annual Fee Rebate, you must add your Additional Cardholder(s) while the offer is in effect.

Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer unless otherwise indicated.

Earn up to $950 in welcome offers, rewards and savings in the first year, and including up to 50,000 bonus Scene+ points¹.

• Earn 6x Scene+ points¹ for every dollar spent at Sobeys, Safeway, Freshco, Foodland and more.
• Earn 5x Scene+ points¹ for every dollar spent on dining, food delivery and other eligible grocery stores. Includes popular food delivery and food subscriptions.
• Earn 5x Scene+ points¹ for every dollar spent on eligible entertainment in Canada. Includes cinemas, theatres and ticket agencies.
• Earn 3x Scene+ points¹ for every Canadian dollar spent in Canada on gas and daily transit. Includes rideshares, buses, subway, taxis and more.
• Earn 3x Scene+ points¹ for every Canadian dollar spent in Canada on select eligible streaming services.
• Plus earn 1 Scene+ point for every $1 spent on all other eligible everyday purchases.
• Earn additional benefits + up to 4X Scene+ points for every dollar you spend on hotel bookings, car rentals, and things to do with Scene+ Travel, Powered by Expedia.
• No Foreign Transaction Fee
• Comprehensive Travel Insurance coverage
• AMEX Offers^®
• American Express^® Front Of The Line^®
• American Express Invites^®
• Complimentary Concierge Services

Rates, fees and other information are effective as of July 2, 2026. Subject to change.

• Exclusive offer (until October 12, 2026): $100 cash back after $1,500 in eligible purchases within the first 3 months
• $149 annual fee waived for the first year
• 5% cash back on groceries (up to $1,000/month, then 1%)
• 4% on recurring payments (up to $500/month, then 1%)
• 3% on gas and electric vehicle charging (up to $1,000/month, then 1%)
• 1% cash back everywhere else, with no cap
• Mastercard World Elite^® travel benefits: collision/damage insurance for car rentals, comprehensive travel insurance and DragonPass membership
• Up to 15% boosted cash back at thousands of Neo partners across Canada, on top of base cash back rates
• Instant credit limit up to $30,000
• Annual fee of $149
• Secured option to build credit history, ideal for newcomers to Canada (same cash back rates)

• Exclusive offer (until October 12, 2026): $100 cash back after $1,500 in eligible purchases within the first 3 months
• $149 annual fee waived for the first year
• 2% cash back on all purchases (up to $4,000/month, then 1% with no cap)
• No categories to manage
• Mastercard World Elite^® travel benefits: collision/damage insurance for car rentals, comprehensive travel insurance and DragonPass membership
• Up to 15% boosted cash back at thousands of Neo partners across Canada, on top of base cash back rates
• Instant credit limit up to $30,000
• Annual fee of $149
• Secured option to build credit history, ideal for newcomers to Canada (same cash back rates)

• Exclusive offer (until October 12, 2026): $100 cash back after $1,500 in eligible purchases within the first 3 months
• $149 annual fee waived for the first year
• 5% cash back on restaurants, bars and fast food (up to $1,000/month, then 1%)
• 3% on shopping: clothing, shoes, electronics, home and garden, and more (up to $1,000/month, then 1%)
• 1% cash back everywhere else, with no cap
• Mastercard World Elite^® travel benefits: collision/damage insurance for car rentals, comprehensive travel insurance and DragonPass membership
• Up to 15% boosted cash back at thousands of Neo partners across Canada, on top of base cash back rates
• Instant credit limit up to $30,000
• Annual fee of $149
• Secured option to build credit history, ideal for newcomers to Canada (same cash back rates)

Welcome Offer

• Earn up to $500 cash back: 5% (2% base + 3% boost) on the first $10,000 in net purchases during the 30 days after approval
• The card must stay open for 180 days after the boosted period, or the boost may be recovered

Rewards

• Get 2% cash back on all your purchases, with no categories to track or caps
• No foreign exchange fees on purchases made in a currency other than the Canadian dollar
• No annual fees for eligible clients ($100,000 in assets with Wealthsimple or eligible direct payroll deposit)
• Cash out your cash back anytime into almost any Wealthsimple account

Benefits

• Metal card, with no contactless payment limit
• 24/7 travel concierge service and access to 1,200 airport lounges worldwide
• Airport lounge access through enrollment in the Visa Airport Companion Program
• Priority reservations at leading restaurants via OpenTable
• Visa Infinite Privilege Benefits: Luxury Hotel Collection and Visa Infinite Dining Series events
• Free 15-day global mobile data package (1 GB) with Gigsky
• Lock your card, view and change your PIN in the app, and receive a notification for each transaction

Insurance

• Out-of-province emergency medical insurance ($2,000,000)
• Trip cancellation and interruption insurance (up to $5,000 per trip)
• Delayed and lost baggage insurance (up to $1,250 per trip)
• Flight Delay Insurance
• Car rental-collision/loss damage insurance
• Purchase insurance and extended warranty protection
• Mobile phone insurance
• Fraud protection

Some travel insurance is not currently offered to Quebec residents.

Welcome Offer

• Earn up to $500 cash back: 5% (2% base + 3% boost) on the first $10,000 in net purchases during the 30 days after approval
• The card must stay open for 180 days after the boosted period, or the boost may be recovered

Rewards

• Earn 2% cash back on everything, with no categories to track and no cap
• No foreign exchange fees on purchases made in a currency other than the Canadian dollar
• No annual fee for eligible clients ($100,000 in assets with Wealthsimple or a qualifying direct deposit)
• Redeem your cash back at any time to almost any Wealthsimple account

Benefits

• Metal card with no digital tap limit
• 24/7 travel concierge and access to 1,200 airport lounges
• Visa Infinite perks: Luxury Hotel Collection, Visa Infinite Dining series events and prime-time reservations
• 1 complimentary 1GB + 10GB global mobile data plan with Gigsky
• Lock your card, view and change your PIN in the app, and get notified for every transaction

Insurance

• Out-of-province emergency travel medical insurance ($1,000,000)
• Trip cancellation and interruption insurance (up to $3,000 per trip)
• Delayed and lost baggage insurance (up to $1,000 per trip)
• Flight delay insurance
• Purchase protection and extended warranty
• Mobile phone insurance
• Fraud protection

Some travel insurance is not currently offered to Quebec residents.

Up to $1,550 in value^† including up to 50,000 Aeroplan points^† could be yours.
Plus, receive an Annual Fee rebate for the first year^† and additional travel benefits. Conditions Apply.

• Earn a welcome bonus of 10,000 Aeroplan points when you make your first Purchase with your new Card^†
• Earn 15,000 Aeroplan points when you spend $3,000 within 90 days of Account opening^†.
• Plus, earn a one-time anniversary bonus of 25,000 Aeroplan points when you spend $12,000 within 12 months of Account opening^†
• Apply for the NEXUS program and once every 48 months get an application fee rebate (up to $100 CAD per eligible cardholder)^†.
• Share free first checked bags for you and up to 8 travel companions^†.
• Get an Annual Fee Rebate for the first year^†

To receive the first-year Annual Fee rebate, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening. To receive the first Additional Cardholder first-year Annual Fee rebate, you must add your first Additional Cardholder while this offer is in effect.

Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer unless otherwise indicated.

Get up to 70,000 Avion points¹ – a travel value of up to $1,500!^† Apply by November 25, 2026.

Points and Rewards

• Earn 1.25 Travel points on travel-related purchases¹²
• Earn 1 Avion point on all other eligible purchases²
• Use your Travel points to book flights anytime with more than 500 airlines. There are no blackout periods or seat restrictions, even during peak season^{^}!

Get Extensive Insurance

• Enjoy more peace of mind with enhanced coverage like unlimited emergency medical insurance⁹, travel accident insurance⁷, trip cancellation insurance⁷, mobile device insurance⁷, and more.

Book Any Flight

• Use your Avion points to book any flight, anytime, on over 500 airlines. No blackouts or seat restrictions, even during peak season^†!

Book Flights for Maximum Value

• Make your Avion points go further with the Air Travel Redemption Schedule, which offers fixed point pricing 365 days a year^†.

Save at Petro-Canada

• Link your cards and instantly save 3¢/L on fuel⁴ and earn 20% more Petro-Points⁵ and Avion points6 at Petro-Canada

Earn more Be Well points at Rexall

• Link your RBC Credit Card and earn 50 Be Well^™ points on every $1 spent on eligible purchases at Rexall13

DoorDash

• Add your credit card to your DoorDash account and get a free 12 monthly DashPass subscription¹⁶

Hertz

• Get up to 20% off at Hertz¹⁰

Get insurance coverage for travel and more⁷.

• Out of Province/Country Emergency Medical Insurance
• Travel Accident Insurance
• Auto Rental Collision/Loss Damage Waiver Insurance
• Trip Cancellation & Trip Interruption Insurance
• Delayed Baggage and Flight Delay Insurance
• Hotel/Motel Burglary Insurance
• Purchase Security & Extended Warranty Insurance
• Mobile Device Insurance up to $1500⁷

Earn up to 110,000 bonus Marriott Bonvoy^® points

• New Marriott Bonvoy^® Business American Express^®* Cardmembers can receive 80,000 Marriott Bonvoy^® points as a bonus after charging $10,000 to their Card in the first 6 months of Cardmembership.
• Plus, earn 30,000 Points by making a purchase during your 15th month of Cardmembership.
• Offer ends September 22, 2026.

Earn Marriott Bonvoy points that you can redeem in a variety of ways:

• Earn 5 points for every $1 in Card purchases at participating Marriott Bonvoy hotels.
• Earn 3 points for every $1 spent on eligible gas, dining and travel after your welcome offer ends, or the cap is reached.
• Earn 2 points for every $1 spent on everything else
• Redeem points for free nights with no blackout dates at over 7,000 of some of the world’s most extraordinary hotels and resorts around the globe. Use your points for flights on some of the world’s leading airlines

Make the most out of a full suite of business management tools that give you more control over your business – anytime and anywhere.

• Leverage your cash flow with the option of carrying a balance or paying in full each month
• Control employee expenses plus track and accumulate points on your account with Supplementary Cards, so you have an opportunity to maximize the points you earn.

Experience the exclusive benefits of the Marriott Bonvoy^® Business American Express^®* Card:

• Receive an Annual Free Night Award for up to 35,000 points at eligible hotels and resorts worldwide every year after your first anniversary
• Receive 15 Elite Night Credits each calendar year with your Marriott Bonvoy Business American Express Card. These can be used towards attaining the next level of Elite status in the Marriott Bonvoy program
• Enjoy an automatic upgrade to Marriott Bonvoy Gold Elite status when you reach $30,000 in purchases on the Card each year or when you combine 10 qualifying paid nights within one calendar year with the 15 Elite Night Credits from your card