Scotia Momentum® Visa Infinite +* CardScotia Momentum® Visa Infinite +* Card15% cash back on up to $2,000 in purchases + No annual fee in the first year*
Sponsored
Annual fee
$0 $139
No annual fee the first year
Our valuation
$1,039
Milesopedia first-year estimateFirst-year valueWelcome bonus$800Annual fee rebated$139Annual credit$100Total$1,039Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
Welcome offer
Up to 160,000 points
+ First Year Annual Fee Rebate
Apply Now

on TD's website

With the TD First Class Travel® Visa Infinite* Card, you can earn up to 160,000 TD Rewards Points as well as an Annual Fee rebate for the first year:

  • 20,000 TD Rewards Points for the first purchase made with your card
  • 140,000 TD Rewards Points when you spend $7,500 within 180 days of account opening
  • A Birthday Bonus of up to 10,000 TD Rewards Points

Get an annual TD Travel Credit of $100 when you book at Expedia® For TD, and 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).

With the TD First Class Travel® Visa Infinite* Card, you earn:

  • 8 TD Rewards Points for every $1 you spend when you book travel through Expedia® For TD
  • 6 TD Rewards Points per dollar on your grocery, dining and public transit purchases
  • 4 TD Rewards Points per dollar on your recurring bill payments and purchases of streaming services as well as digital games and media
  • 2 TD Rewards Points per dollar on all other purchases made with your card

This card also allows you to enjoy a range of travel benefits, including an annual travel credit, complimentary airport lounge visits, and a birthday bonus that boosts your points each year.

Annual fee

Primary card$139
Additional card$50

Annual income required

Individual$60,000
Household$100,000

Conversion fees

2.5%

Earning rate

  • 6xGroceries
  • 6xRestaurants
  • 6xTransit
  • 4xBills & recurring payments
  • 4xStreaming
  • 2xAll spending

Value

1st Year Value$1,406
2nd Year Value$531

Card benefits

Concierge service24/7
Airport lounge access$160

Travel insurance

Travel medical (under 55)Up to $2,000,000 / 21 days
Travel medical (55-64)Up to $2,000,000 / 21 days
Travel medical (65+)Up to $2,000,000 / 4 days
Trip CancellationUp to $1,500
Trip InterruptionUp to $5,000
Delayed BaggageUp to $1,000
Lost BaggageUp to $1,000
Flight DelayUp to $500
Hotel BurglaryUp to $2,500
Travel AccidentUp to $500,000

Purchase protection

Purchase ProtectionIncluded
Extended Warranty+1 years
Mobile DeviceUp to $1,000
Auto Rental CollisionUp to $65,000 / 48 days
Sponsored
TD First Class Travel Visa Infinite Card
Annual fee
$0 $139
No annual fee the first year
Our valuation
$1,039
Milesopedia first-year estimateFirst-year valueWelcome bonus$800Annual fee rebated$139Annual credit$100Total$1,039Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
Welcome offer
Up to 160,000 points
+ First Year Annual Fee Rebate
Apply Now

on TD's website

Features
Issuer
TD
Network
Loyalty Program
TD Rewards
Fees and terms
Annual Fee
$139/yr
Additional card
$50
Min. annual income
$60,000+
Household income
$100,000+
Interest rates
Purchases
21.99 %
Cash advance
22.99 %
Balance transfer
22.99 %
Foreign transaction fee
2.5 %

Issuer terms

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.

Read full review
Rewards
Rate
Groceries
6x
Restaurants
6x
Transit
6x
Bills & recurring payments
4x
Streaming
4x
Benefits
Airport lounges
$160
Concierge
Included
Travel insurance
Coverage
Travel medical (under 55)
$2,000,000 · 21 days
Travel medical (55-64)
$2,000,000 · 21 days
Travel medical (65+)
$2,000,000 · 4 days
Trip Cancellation
$1,500
Trip Interruption
$5,000
Delayed Baggage
$1,000
Lost Baggage
$1,000
Flight Delay
$500
Hotel Burglary
$2,500
Travel Accident
$500,000
Purchase protection
Coverage
Purchase Protection
90 days
Extended Warranty
+1 year
Mobile Device
$1,000
Auto Rental Collision
$65,000 · 48 days
Read full review

Pros

  • First Year Annual Fee Rebate
  • Welcome bonus of up to 160,000 points
  • 6x on groceries
  • 6x at restaurants

Cons

  • Requires good credit

With the TD First Class Travel® Visa Infinite* Card, you can earn up to 160,000 TD Rewards Points as well as an Annual Fee rebate for the first year:

  • 20,000 TD Rewards Points for the first purchase made with your card
  • 140,000 TD Rewards Points when you spend $7,500 within 180 days of account opening
  • A Birthday Bonus of up to 10,000 TD Rewards Points

Get an annual TD Travel Credit of $100 when you book at Expedia® For TD, and 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).

With the TD First Class Travel® Visa Infinite* Card, you earn…

Read full review
Scotiabank Passport® Visa Infinite +* Card
Annual fee
$150
Our valuation
$350
Milesopedia first-year estimateFirst-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.
Welcome offer
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
Additional card
$50
Min. annual income
$60,000+
Household income
$100,000+
Interest rates
Purchases
20.99 %
Cash advance
22.99 %
Balance transfer
22.99 %
Foreign transaction fee
0 %

Issuer terms

Earn up to $1,250 in first year welcome offers, rewards and savings*, including up to 35,000 bonus Scene+ points1

  • Earn 3x Scene+ points1 for every $1 you spend at Sobeys, Safeway, IGA, Foodland, participating Co-ops and more
  • Earn 2x Scene+ points1 for every $1 you spend on other eligible grocery stores, dining, eligible entertainment purchases and eligible daily transit options (including rideshares, buses, subways, taxis and more)
  • 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
  • 6 Complimentary Airport Lounge Access
  • Comprehensive Travel Insurance coverage
  • Visa Infinite* Concierge Services
  • Visa Infinite* Hotel Collection
  • Visa Infinite* Dining and Wine Country Program

Rates, fees and other information are effective as of Aug 4,2026. Subject to change.

Read full review
Rewards
Rate
Groceries
2x
Restaurants
2x
Transit
2x
Entertainment
2x
Benefits
Airport lounges
$240
Concierge
Included
Travel insurance
Coverage
Travel medical (under 55)
$1,000,000 · 25 days
Travel medical (55-64)
$1,000,000 · 25 days
Travel medical (65+)
$1,000,000 · 3 days
Trip Cancellation
$1,500
Trip Interruption
$2,500
Delayed Baggage
$1,000
Lost Baggage
$1,000
Flight Delay
$500
Hotel Burglary
$1,000
Travel Accident
$500,000
Purchase protection
Coverage
Purchase Protection
90 days
Extended Warranty
+1 year
Auto Rental Collision
$65,000 · 48 days
Read full review

Pros

  • Welcome bonus of up to 35,000 points
  • 2x on groceries
  • 2x at restaurants

Cons

  • Requires good credit

With this welcome offer for the Scotiabank Passport Visa Infinite +* Card +* CardMC, you’ll earn 25,000 welcome bonus Scene+ points after charging $2,000 in purchases to your account within the first three months.

Plus, every year, earn an annual bonus of at least 10,000 Scene+ points when you charge at least $40,000 in purchases to your account. In total, the offer represents up to 35,000 Scene+ points and a value of up to $1,250 in the first year, including rewards, savings on foreign transaction fees and airport lounge access.

With the Scotiabank Passport Visa Infinite +* Card, you earn 3 points per $1 spent at Sobeys, IGA, Safeway, Foodland and participating Co-ops, and 2 points per $1 spent at other grocery stores, restaurants, eligible entertainment and eligible daily transit. You earn 1 point per $1 on all your other everyday purchases.

These points can be redeemed against any travel purchase at a rate of 1,000 points = $10 (flights, hotels, all-inclusives and even Airbnb), or as cash back with Scene+ at the same rate…

Read full review
CIBC Aventura Visa Infinite Card
Annual fee
$0 $139
No annual fee the first year
Our valuation
$839
Milesopedia first-year estimateFirst-year valueWelcome bonus$540Annual fee rebated$139Annual credit$160Total$839Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
Welcome offer
Up to 45,000 points
+ First Year Annual Fee Rebate
Apply Now

on CIBC's website

Features
Issuer
CIBC
Network
Loyalty Program
CIBC Aventura
Fees and terms
Annual Fee
$139/yr
Additional card
$50
Min. annual income
$60,000+
Household income
$100,000+
Interest rates
Purchases
21.99 %
Cash advance
22.99 %
Balance transfer
22.99 %
Foreign transaction fee
2.5 %

Issuer terms

Welcome Offer: Join and get over $1,600 in value including a first year annual fee rebate!

Here’s how you can get over $1,600 in value:

  • Get up to 45,000 Aventura Points (up to $900 in travel value):
    • 15,000 Aventura Points when you make your first purchase
    • 30,000 Aventura Points when you spend $3,000 or more in the first 4 monthly statement periods
  • Get a one-time annual fee rebate ($139) for you (the primary cardholder) and up to three authorized users ($50 each): up to $189 value.
  • Elevate your airport experience with 4 complimentary visits at 1,200+ lounges globally through Visa Airport Companion Program: up to $285 in value.
  • Plus, get a NEXUS◊ Application Fee rebate: A $160 value
  • As an eligible CIBC Cardholder, take advantage of a free Skip+ membership (first year value of $110)

Plus, enjoy extra valuable travel benefits.

  • Travel when it’s right for you – your Aventura Points don’t expire
  • Redeem your Aventura Points for more than travel with our Shop With Points/Pay with Points features
  • Travel local – Aventura Points can be redeemed for more than just flights – use your points for hotels and car rentals for a weekend getaway
  • 2 points for every $1 spent on travel purchased through the CIBC Rewards Centre
  • 1.5 points for every $1 spent at eligible gas stations, EV charging, grocery stores and drug stores
  • 1 point for every $1 spent on all other purchases

Get a free Skip+ membership when you link your eligible CIBC credit card

Plus, enjoy $0 delivery fees and earn a $10 monthly voucher.

Fuel up for less

Link your card with Journie Rewards to save up to 10 cents per litre at participating Pioneer, Fas Gas, Ultramar and Chevron gas stations.

Get 50% off Disney+ for 6 months

Use an eligible CIBC credit card to pay for your Disney+ Standard with Ads subscription, and automatically receive $4.50 each month in statement credits.

CIBC may approve your application, but you are not eligible to receive this Offer if you have opened, transferred or cancelled another Aventura card within the last 12 months.

Read full review
Rewards
Rate
Groceries
1.5x
Gas & EV
1.5x
Pharmacy
1.5x
Benefits
Airport lounges
$160
NEXUS
Included
Travel insurance
Coverage
Travel medical (under 55)
$5,000,000 · 15 days
Travel medical (55-64)
$5,000,000 · 15 days
Travel medical (65+)
$5,000,000 · 3 days
Trip Cancellation
$1,500
Trip Interruption
$2,000
Delayed Baggage
$500
Lost Baggage
$500
Flight Delay
$500
Hotel Burglary
$2,500
Travel Accident
$500,000
Purchase protection
Coverage
Purchase Protection
90 days
Extended Warranty
+1 year
Mobile Device
$1,000 · 1 year
Auto Rental Collision
$65,000 · 48 days
Read full review

Awards won by this card

  • 2026 Awards Best Visa Credit Card

Pros

  • First Year Annual Fee Rebate
  • Welcome bonus of up to 45,000 points

Cons

  • Requires good credit

The CIBC Aventura® Visa Infinite* Card is one of the best Visa credit cards with travel rewards.

With this offer, get over $1,600 in value, including a first-year annual fee rebate.

CIBC has an offer with which you can earn up to 45,000 Aventura points:

  • 15,000 Aventura Points when you make your first purchase
  • 30,000 Aventura Points if you spend $3,000 or more in the first 4 monthly statement periods
Read full review
BMO eclipse Visa Infinite Card
Annual fee
$0 $120
No annual fee the first year
Our valuation
$589
Milesopedia first-year estimateFirst-year valueWelcome bonus$469Annual fee rebated$120Total$589Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
Welcome offer
Up to 70,000 points
+ First Year Annual Fee Rebate
Apply Now

on BMO's website

Features
Issuer
BMO
Network
Loyalty Program
BMO Rewards
Fees and terms
Annual Fee
$120/yr
Additional card
$50
Min. annual income
$60,000+
Household income
$100,000+
Interest rates
Purchases
21.99 %
Cash advance
23.99 %
Balance transfer
23.99 %
Foreign transaction fee
2.5 %

Issuer terms

Get up to $1,150 in value, including up to 70,000 bonus points, a monthly statement credit for streaming services, a $50 statement credit, and no annual fee for the first year.*

  • Earn 5x the BMO Rewards points on groceries, delivered or takeout meals, rideshares, public transit, and gas*
  • Plus, earn 1 point for every dollar spent on everything else*
  • Get a $50 lifestyle anniversary credit to use as you wish*
  • Mobile Device Insurance that covers you for up to $1,000 per occurrence*
  • Earn 10% more points when you add an authorized user to your account*
  • Pay with Points by browsing your recent transactions and you can redeem your points for as little as $1*
  • Extended Warranty* and Purchase Protection*
  • Enjoy six months of Instacart+ and a $10 monthly Instacart credit when you enroll your eligible BMO Credit Card.*
Read full review
Rewards
Rate
Restaurants
5x
Gas & EV
5x
Groceries
5x
Transit
5x
Travel insurance
Coverage
Travel medical (under 55)
$5,000,000 · 21 days
Travel medical (55-64)
$5,000,000 · 21 days
Travel Accident
$500,000
Purchase protection
Coverage
Purchase Protection
90 days
Extended Warranty
+1 year
Mobile Device
$1,000 · 1 year
Auto Rental Collision
$65,000 · 48 days
Read full review

Pros

  • First Year Annual Fee Rebate
  • Welcome bonus of up to 70,000 points
  • 5x on groceries
  • 5x at restaurants

Cons

  • Requires good credit

The BMO eclipse Visa Infinite* Card is one of the best Visa Infinite rewards credit cards in Canada. Its welcome offer lets you earn up to 70,000 BMO Rewards points, for a total value of up to $1,150*.

It also includes a monthly statement credit for streaming services, an annual $50 lifestyle credit, and no annual fee for the first year (a $120 value)*.

With the BMO eclipse Visa Infinite* Card, you also get:

  • 5x BMO Rewards points for every dollar spent on groceries, meal delivery or takeout, rideshare, public transit, and gas*
  • 1 BMO Rewards point for every dollar spent on all other purchases*
  • 10% more points when you add an authorized user to your account*
  • Mobile device insurance offering coverage up to $1,000*
  • The Pay with Points feature, which allows you to redeem your points on recent purchases starting at $1*
  • Six months of Instacart+ membership plus a monthly $10 Instacart credit with an eligible card*
Read full review

This ranking follows the travel cards Canadians actually apply for the most across the Milesopedia-Ratesopedia network over the last 12 months, cross-checked with each card’s earn rates, insurance and current welcome offer. The market leader is not a household surprise on paper, yet it is in practice: the National Bank World Elite Mastercard outsells every other card in the network on the strength of 5 points per $1 on groceries and restaurants.

Bank points or transferable points?

Travel rewards fall into two families. Bank programs, as with TD, CIBC or National Bank, let points erase any travel purchase, with no blackout logic. Transferable currencies such as RBC Avion move to partners like British Airways Avios and WestJet Rewards, which multiplies value for flexible redeemers. For airline-specific points, see our best Aeroplan cards.

How to choose

  • Book everything yourself: bank points that erase any travel charge are the simplest.
  • Chase premium flights: transferable currencies multiply value for flexible travellers.
  • Travel abroad often: a no-FX-fee card such as the Scotiabank Passport® Visa Infinite +* Card saves 2.5% before any point is counted.
  • Weigh insurance: the cards above include travel medical coverage; premium tiers add trip cancellation and rental coverage.

If your travel is rare, the guaranteed value of our best cash back cards usually wins instead.

FAQ

Frequently Asked Questions

Which travel credit card has the biggest welcome offer in Canada?

As of August 2026, the TD First Class Travel Visa Infinite leads with up to 146,000 TD Rewards Points, followed by the BMO Ascend World Elite at up to 100,000 points and the RBC Avion Visa Infinite at up to 70,000 Avion points until November 25, 2026. Offer sizes are not directly comparable across programs, so check each point’s travel value before deciding.

What credit score do I need for a travel card?

Visa Infinite and World Elite cards generally expect a good score, around 700 or higher, plus minimum income: $60,000 personal for Visa Infinite and $80,000 for World Elite Mastercard products. Approval also weighs your existing debt and credit history length.

Are travel points better than cash back?

They pay more per dollar if you actually travel: the cards in this ranking return 2% to 5% in travel value on key categories, versus 1% to 2% cash. If your travel is rare, a cash back card usually wins on flexibility.

Which travel cards include airport lounge access?

In this ranking, the CIBC Aventura Visa Infinite and BMO Ascend World Elite include four annual passes and the Scotiabank Passport Visa Infinite includes six. Unlimited lounge models belong to premium cards such as the Amex Platinum.

Do these cards include travel medical insurance?

Yes, the leading cards all include out-of-province emergency medical coverage, typically 10 to 15 days per trip under age 65. Duration drops sharply at 65 and over, so older travellers should verify the certificate of insurance before relying on card coverage.

Can I combine a travel card with a no-FX-fee card?

Absolutely, and it is a strong pairing: earn a big welcome offer on a card such as the TD First Class Travel at home, then charge foreign purchases to the Scotiabank Passport to avoid the 2.5% conversion fee.

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