Best Mastercard Credit Cards in Canada - September 2026

Get up to $1,600 in value, including up to 100,000 points, the Mastercard Travel Pass program and 4 complimentary airport lounge passes, the statement credit for NEXUS and the annual fee waived in the first year for the primary cardholder and authorized users.*

Plus, get 0% introductory interest rate on Balance transfers for 12 months with a 2% transfer fee.*

• 5x the points for every dollar spent on eligible travel*, 3x the points for every dollar spent on eligible restaurant dining*, entertainment and eligible recurring bill payments*, 1 point for every dollar spent in other purchase categories*
• Free membership to the Mastercard Travel Pass app provided by DragonPass*, and four complimentary passes per year*
• Extended Warranty* and Purchase Protection*
• BMO Ascend World Elite Total Travel and Medical Protection:
  Get Collision Damage Waiver benefits on rental cars, 21 days of Out-of-Province/Out-of-Country Emergency Medical coverage of up to $5 million, and more.*
• Enjoy six months of Instacart+ and a $10 monthly Instacart credit when you enroll your eligible BMO Credit Card.*

Welcome offer: Get up to $2,400 in value* including 70,000 VIPorter points and a round-trip companion pass.* Plus receive $1,000 in Qualifying Spend, and pay no annual fee in your first year.*

• Earn 3 points for every $1 spent on Porter purchases*
• Earn 2 points for every $1 spent on gas and transportation
• Earn 2 points for every $1 spent on groceries and dining
• Earn 2 points for every $1 spent on hotel accommodations
• Earn 1 point for every $1 spent everywhere else

Benefits

• Automatically become an Avid Traveller (VIPorter Venture)
• One round-trip companion pass per year^†
• 1 complimentary checked bag*
• 1 complimentary carry-on bag on all Porter fare types*
• Free PorterClassic seat selection*
• Priority security*
• Priority re-accommodation for flight delays*
• Dedicated check-in*
• Early boarding*
• No expiration of VIPorter points.
• Earn $1 of qualifying spend for every $25 spent*

*This benefit applies to up to 8 companions travelling on the same booking

Travel insurance

• 21-day out-of-province or country emergency medical insurance
• Trip Cancellation/Interruption/Delay insurance
• Car rental-collision/loss damage insurance
• Common carrier insurance
• Flight Delay Insurance
• Baggage insurance
• Hotel burglary insurance

Purchasing insurance

• Shop confidently with an extended warranty and purchase protection

Other Benefits

• Enjoy six months of Instacart+ and a $10 monthly Instacart credit when you enroll your eligible BMO Credit Card.*
• Complimentary membership in Mastercard Travel Pass provided by DragonPass. As a member enjoy lounge access for a fee of just US$32 per person, per visit. Registration is required. Visit the Mastercard Travel Pass website or use the Mastercard Travel Pass mobile application to register
• Save up to 20% on National Car Rental^® and Alamo Rent A Car^® and up to 5% on Enterprise Rent-A-Car^® at locations worldwide using the Car Rental Booking tool
• Discover a world of Mastercard Travel Rewards cash back offers when you shop, dine and relax with our partners outside of Canada.
• Get 20% off admission to Cirque du Soleil shows touring Canada and 15% off resident shows in Las Vegas
• Save up to 7% on your Booking.com prepaid hotel or property rental bookings at booking.com/mastercardcanada
• Access valuable benefits and offers for digital everyday services from a variety of on-demand apps and subscription services.

Welcome Offer and Renewal

Earn up to 25,000 miles, including a welcome bonus and an annual renewal bonus.

Welcome Bonus — up to 20,000 MileagePlus miles

• 5,000 miles on card activation and first transaction
• Additional 15,000 miles when you spend $3,000 net of refunds within 3 months of application

Renewal bonus

• 5,000 miles per year when the account remains open and active with eligible spend within 365 days

Mile Earn Rates

• 1.25 miles per $1 on United and Star Alliance flights
• 1 mile per $1 on dining and groceries
• 0.75 miles per $1 everywhere else
• Bonus miles via the Neo merchant partner network of over 10,000 Neo merchant partners

Benefits of the card

• Free First checked bag: Your first checked bag is covered on all your United-operated flights.
• Priority Boarding — Group 2: Be among the first to board with Group 2 priority boarding for you and your family.
• Nexus application fee credit: Up to $120 USD reimbursed every 5 years for a new Nexus application or renewal. Nexus allows for expedited border crossing between Canada and the United States.
• Star Alliance Global Network: Earn and redeem MileagePlus miles on United Airlines and over 25 Star Alliance partner airlines worldwide, including Air Canada and Lufthansa.

World Elite Mastercard Benefits

• Mastercard Zero Liability
• Mastercard Global Service
• Mastercard Travel Pass (DragonPass): Access to over 1,400 airport lounges worldwide through the Mastercard Travel Pass program provided by DragonPass. Membership is included; per-visit fees apply.

Insurance

• Emergency medical insurance
• Comprehensive Travel Insurance
• Extended Warranty and Purchase Protection
• Car Rental Collision and Damage Insurance

Chubb travel insurance is not offered in Quebec.

Maximize your travel: earn more miles on every flight

When you book a United flight, you earn miles as a MileagePlus member—but as a cardholder, you earn even more. You receive the miles awarded by United for your flight, plus the miles you earn by paying with your card.

Your earnings add up, allowing you to build your miles balance significantly faster than non-cardholders each time you travel.

Get more value from your miles

As a United cardholder, your miles are worth more—and give you access to more options.

You automatically receive at least a 10% discount on award flights (and 15% if you hold Premier status), allowing you to use fewer miles for the same trip.

In addition, you gain access to exclusive availability on Saver Award fares, including premium-cabin seats such as Polaris^® business class, which are not always available to non-cardholders.

In practical terms, this means:

• You spend fewer miles on your flights
• You gain access to better seats and more options
• You can book travel experiences that are unavailable to other members

• Earn 2% cash back on all eligible non-U.S. dollar purchases if you have 1 qualifying service with Rogers, Fido, Shaw or Comwave. Otherwise, earn 1.5% cash back on eligible non-U.S. dollar purchases.
• Plus, earn up to 3% cash back on eligible U.S. dollar purchases.
• Get 1.5x more cash back every time you redeem for eligible Rogers, Fido, Comwave or Shaw purchases. That’s up to 3% cash back value. Exclusively with Rogers.
• Get 5 Roam Like Home days at no cost, every year, with an eligible Rogers mobile plan.
• Save on eligible Rogers or Fido services with Auto-Pay.
• No annual fee.
• Insurance benefits at no extra cost.
• Discounted access to over 1300 airport lounges with Mastercard Travel Pass.