Sponsored
Annual feeNo annual fee the first year
$0 $139
Our valuationMilesopedia first-year estimate First-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.
$1,039
Welcome offerAfter $7,500 in 6 months
Up to 160,000 points
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 feeNo annual fee the first year
$0 $139
Our valuationMilesopedia first-year estimate First-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.
$1,039
Welcome offerAfter $7,500 in 6 months
Up to 160,000 points
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
Exclusive
National Bank World Elite Mastercard
Annual feeNo annual fee the first year
$0 $150
Our valuationMilesopedia first-year estimate First-year valueAnnual fee rebated$150Annual credit$150Total$300Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
$300
Welcome offer$150 annual fee rebated
First Year Annual Fee Rebate
Ends Nov 4, 2026
Apply Now

on National Bank's website

Features
Network
Loyalty Program
NBC Rewards
Fees and terms
Annual Fee
$150/yr
Additional card
$50
Min. annual income
$80,000+
Household income
$150,000+
Interest rates
Purchases
20.99 %
Cash advance
22.49 %
Balance transfer
22.49 %
Foreign transaction fee
2.5 %

Issuer terms

By clicking on the Subscribe button, you will be redirected directly to the National Bank credit card application form. Make sure you have the following information on hand: contact details, employment status, income and valid ID.

Terms and Conditions – Milesopedia Exclusive Promotion – World Elite Card

Welcome promotion period: June 30 to November 4, 2026.

Eligibility requirements:

  • Sign up for a National Bank® World Elite® Mastercard® credit card during the promotion period via the redirection link provided on the Milesopedia network websites during the promotion as a primary cardholder, as the primary cardholder.
  • Must not have held any National Bank personal Mastercard credit cards in the last 24 months as the primary cardholder.
  • Keep the credit card account open and in good standing until the annual fee is refunded. To be considered in good standing, you must comply with the terms of the Credit Card Agreement, such as paying all fees and minimum payments on time.
  • Must not be employed by us or any entity in our group.

Promotion description:

  • Refund of the first-year annual fee for the primary cardholder. We will charge this annual fee to your new card account and then refund it. You will receive this refund within five months of opening your account, provided your account is still open and in good standing. It will appear on your statement as a credit.
  • Annual fees for authorized users’ cards are not eligible for this promotion.

Other conditions:

  • You can only benefit from the promotion once.
  • The card is issued subject to National Bank’s credit approval. Other conditions apply to the issuance of the card.
  • This promotion cannot be combined with any other promotion or offer applicable to National Bank credit cards and is not retroactive.
  • This promotion may be changed or withdrawn without notice.

Card benefits

  • Annual travel credit ($150)
  • Access to the National Bank Lounge
  • Access to more than 1,300 airport lounges worldwide
  • Comprehensive travel insurance for trips of up to 60 days
  • Emergency medical and hospital insurance outside your province of residence
  • Trip cancellation and trip interruption insurance
  • Lost or stolen baggage insurance
  • Car rental insurance
  • Coverage for accidental damage, loss, or theft of mobile devices
  • Extended warranty coverage on purchases
  • Extended manufacturer’s warranty on purchases
  • Medical, general, and legal assistance
  • Enhanced security with Mastercard® ID Check™
  • Discounts on monthly fees for The Total and The Connected banking packages
  • Redeem points through the travel agency of your choice
  • Up to 5 points per dollar spent*
Read full review
Rewards
Rate
Restaurants
5x
Groceries
5x
Gas
2x
Bills & recurring payments
2x
Benefits
Airport lounges
$400
Annual credit
Included
Travel insurance
Coverage
Travel medical (under 55)
$5,000,000 · 60 days
Travel medical (55-64)
$5,000,000 · 31 days
Travel medical (65+)
$5,000,000 · 15 days
Trip Cancellation
$2,500
Trip Interruption
$5,000
Delayed Baggage
$500
Lost Baggage
$1,000
Flight Delay
$500
Travel Accident
✓
Purchase protection
Coverage
Purchase Protection
180 days
Extended Warranty
+2 years
Mobile Device
$1,000 · 2 years
Auto Rental Collision
$65,000 · 48 days
Read full review

Awards won by this card

  • 2026 Awards Best Credit Card for Travel
  • 2026 Awards Best Mastercard Credit Card

Pros

  • First Year Annual Fee Rebate
  • 5x on groceries
  • 5x at restaurants

Cons

  • No welcome bonus
  • Requires good credit

The National Bank World Elite® Mastercard® may suit you if you pay your balance in full, spend regularly on groceries and restaurants, and use its travel benefits. Ratesopedia assesses its value after the $150 annual fee, based on the rewards and reimbursements you can realistically use.

  • Groceries and restaurants: 5 points per dollar on eligible purchases until total gross monthly purchases across all categories reach $2,500; then 2 points per dollar on eligible grocery and restaurant purchases.
  • Other accelerated categories: 2 points per dollar on eligible gas and electric charging, recurring bills and À la carte Travel purchases.
  • Other purchases: 1 point per dollar.

The annual travel-expense reimbursement can reach $150 per account. It covers eligible costs such as baggage, seat selection, airport parking, lounge access and airline upgrades. Expenses must be charged to the card and claims submitted within 60 days. This is not an automatic credit to subtract from the annual fee when you do not incur qualifying expenses.

National Bank Lounge access at Montréal-Trudeau is included under the lounge’s admission rules. Since October 5, 2026, the published maximum stay at the temporary lounge is two hours for this card. DragonPass membership does not include complimentary visits…

Read full review
Featured
RBC Avion Visa Infinite Card
Annual fee
$120
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$1,190Total$1,190Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
$1,190
Welcome offer35,000 points after approval; 20,000 after $5,000 in eligible transactions within 6 months; 15,000 credited 12–16 weeks after the first account anniversary. Eligible account must remain open and in good standing; offer terms and posting times apply.
Up to 70,000 points
Ends Nov 25, 2026
Apply Now

on RBC's website

Features
Issuer
RBC
Network
Fees and terms
Annual Fee
$120/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
2.5 %

Issuer terms

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
Read full review
Rewards
Rate
Travel
1.25x
Benefits
Concierge
Included
Travel insurance
Coverage
Travel medical (under 55)
Unlimited · 15 days
Travel medical (55-64)
Unlimited · 15 days
Travel medical (65+)
Unlimited · 3 days
Trip Cancellation
$1,500
Trip Interruption
$5,000
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
$1,500 · 1 year
Auto Rental Collision
$65,000 · 48 days
Read full review

Pros

  • Welcome bonus of up to 70,000 points

Cons

  • Requires good credit

For a limited time, the RBC Avion Visa Infinite Card offers a welcome bonus of up to 70,000 Avion points, worth up to $1,500 in travel.

  • 35,000 points upon approval of your application
  • 20,000 points when you charge $5,000 in purchases to your account within the first six months
  • 15,000 points on the first anniversary of your account

You can redeem your Avion points for flights with more than 500 airlines, with no blackout periods or seat restrictions, or transfer them to partner programs such as American Airlines AAdvantage, The British Airways Club, Cathay Pacific Asia Miles and WestJet Rewards.

The card earns you 1.25 points per dollar on eligible travel purchases and 1 point per dollar on all your other eligible purchases. It also includes extensive insurance coverage: emergency medical, trip cancellation and interruption, collision coverage for rental vehicles, and mobile devices…

Read full review
Scotiabank Passport® Visa Infinite +* Card
Annual fee
$150
Our valuationMilesopedia first-year estimate First-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.
$350
Welcome offerAfter $2,000 in 3 months
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
$0
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
  • Get up to 10¢/L in value on fuel purchases at Shell with your card linked to a Shell Go+ Account (instant discounts and Scene+ points value; the maximum assumes a V-Power premium fuel purchase and includes a promotional 4¢/L discount available until June 1, 2027)
  • Limited time: until December 31, 2026, get an additional 3¢/L off at Shell when you pay with your linked card in Ontario, British Columbia, Alberta, Saskatchewan, Manitoba and the Northwest Territories (excluding Shell Flying J locations)

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

Read full review
Rewards
Rate
With the partner brand
3x
Groceries
2x
Restaurants
2x
Transit
2x
Entertainment
2x
Benefits
Airport lounges
$240
Concierge
Included
Travel insurance
Coverage
Travel medical (under 55)
$2,000,000 · 25 days
Travel medical (55-64)
$2,000,000 · 25 days
Travel medical (65+)
$2,000,000 · 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, 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
BMO eclipse Visa Infinite Card
Annual feeNo annual fee the first year
$0 $120
Our valuationMilesopedia first-year estimate First-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.
$589
Welcome offerAfter $12,000 in 12 months
Up to 70,000 points
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
Transit
5x
Gas
5x
Restaurants
5x
Groceries
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

A travel card is useful when its rewards and benefits match how you book and travel. Compare the ongoing fee, usable point value, insurance and lounge conditions with the spending you would make anyway. Current offers and their conditions appear on the linked product pages.

Bank points or transferable points?

Some bank programs offer credits against eligible travel purchases; others require a specific booking channel or offer different point values depending on how you book. Transferable points can provide more options through participating airline and hotel programs, but award availability and transfer rules still matter. Compare our best Aeroplan cards if Air Canada benefits are your priority.

How to choose

  • Check booking freedom: confirm eligible travel merchants, booking channels, minimum point amounts and the value per point.
  • Price foreign spending: the Scotiabank Passport® Visa Infinite +* Card has no foreign transaction fee. The saving depends on the fee charged by the card you would otherwise use; the exchange rate still applies.
  • Read the insurance certificate: coverage varies with age, trip length, pre-existing conditions and how the trip is paid for.
  • Count lounge visits you will use: access rules, guest charges and annual visit limits vary by card and lounge program.

Subtract fees from realistic rewards before comparing a travel card with our best cash back cards. Points from different programs are not interchangeable: a larger point bonus does not necessarily have a larger dollar value.

FAQ

Frequently Asked Questions

Which travel card has the best welcome offer?

Compare the dollar value you can realistically use after fees and required spending. Point totals from different programs are not directly comparable. Consult each linked card page for the current offer, eligibility and deadlines.

What credit score or income do I need?

Requirements depend on the issuer and the specific card. There is no universal credit-score threshold that guarantees approval. Check the product’s stated income criteria; the issuer also assesses your credit history and financial circumstances.

Are travel points better than cash back?

It depends on the rewards you can actually use. Compare net value after fees, category caps and booking restrictions. Cash back may be simpler, while points may suit travellers who can use the relevant programs.

Does a travel card cover every trip?

No. Check the insurance certificate for age limits, maximum trip duration, payment requirements, pre-existing conditions, exclusions and coverage amounts. Lounge access is a separate benefit with its own conditions.

Next step

Find your perfect card

Compare the best credit cards in Canada or calculate which card's rewards actually fit your budget.