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
American Express Platinum Card
Annual fee
$799
Our valuation
$2,200
Milesopedia first-year estimateFirst-year valueWelcome bonus$1,700Annual credit$200Annual credit$200Annual credit$100Total$2,200Rewards 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 100,000 points
Apply Now

on American Express's website

Apply with confidence — no impact on your credit scoreApply with confidenceCheck whether your application will be approved before you submit it, with no impact on your credit score*When you apply for a personal American Express Credit Card, we will tell you whether you are eligible without affecting your credit score. So you can apply with confidence.*Instant decisions are only available for consumer Card applications (also called “personal Cards”).

Features
Issuer
Amex
Network
Fees and terms
Annual Fee
$799/yr
Additional card
$250
Min. annual income
Household income
$0+
Interest rates
Foreign transaction fee
2.5 %

Issuer terms

Access special experiences with The Platinum Card®.

Get up to 100,000 Membership Rewards® points, worth up to $1,000 toward your next getaway-

  • As a new The Platinum Card® Cardmember, get a welcome bonus of 70,000 points when you charge $10,000 in net purchases to your Card in the first 3 months of Cardmembership
  • Plus, get 30,000 points when you make a purchase between the 15th and 17th month after your Cardmembership begins

Card features

  • Earn 2 points for every $1 in Card purchases on eligible dining and food delivery in Canada, 2 points for every $1 in Card purchases on eligible travel, and 1 point for every $1 in all other Card purchases
  • Access a $200 Annual Travel Credit through American Express Travel Online or Platinum® Card Travel Service
  • Enjoy a $200 Annual Dining Credit at some of Canada’s best restaurants
  • Unlock $200 or more in additional value with Member extras. You can earn statement credits for qualifying purchases with participating brands
  • Make the most of the American Express Global Lounge Collection, which gives you access to more than 1,550 airport lounges worldwide. The Global Lounge Collection includes the Centurion Lounge® network, Plaza Premium lounges, and hundreds of other international and domestic lounges that will enhance your travel experience. Terms and conditions apply
  • Enjoy flexible ways to use your points such as statement credits for any eligible purchase charged to your Card, new travel purchases booked on American Express Travel Online through the Flexible Points Travel Program, and eligible flights through the Fixed Points Travel Program
  • Transfer points 1:1 to several frequent flyer and other loyalty programs
  • Enjoy complimentary benefits that offer an average value of $550 USD at over 1,600 extraordinary properties worldwide when you book Fine Hotels + Resorts
  • Platinum Cardmembers can enjoy access to special events and unique opportunities
  • Enjoy premium benefits at the Toronto Pearson Airport
  • You will also have access to many leading hotel and car rental companies’ loyalty programs. Our partners include Marriott International, Hilton Hotels and Resorts, Hertz and Avis
  • Interest applies in accordance with your Cardmember Agreement, Information Box, and Disclosure statement if the total New Balance is not paid by the Payment Due Date each month. All payments must be received by the Payment Due Date shown on the monthly statement

Apply with confidence!

  • See if you’ll be approved before you apply – with no impact to your credit score.*
  • When applying for a new card, businesses will typically run a “hard check” of your credit report. A hard credit check can cause a temporary impact to your credit score.
  • Unlike many lenders, for American Express’ personal cards, you can see if you will be approved before you apply without impacting your credit score
  • A soft credit check is a check into your credit report initiated either by you or a company even if you didn’t apply for credit. It is primarily used to screen for pre-approval financing offers or for a background check
  • Available for American Express personal cards, we’ll let you know your eligibility with no impact to your credit score, so you can submit your application with confidence.*

*Instant decisions are only available for Consumer (also known as Personal) Card applications.

 

Read full review
Rewards
Rate
Travel
2x
Restaurants
2x
Benefits
Airport lounges
$400
Annual credit
Included
Concierge
Included
Travel insurance
Coverage
Travel medical (under 55)
$5,000,000 · 15 days
Travel medical (55-64)
$5,000,000 · 15 days
Trip Cancellation
$2,500
Trip Interruption
$2,500
Delayed Baggage
$1,000
Lost Baggage
$1,000
Flight Delay
$1,000
Hotel Burglary
$1,000
Travel Accident
$500,000
Purchase protection
Coverage
Purchase Protection
120 days
Extended Warranty
+1 year
Auto Rental Collision (primary)
$85,000 · 48 days
Read full review

Awards won by this card

  • 2026 Awards Best High-End Credit Card

Pros

  • Welcome bonus of up to 100,000 points
  • 2x at restaurants

Cons

  • High annual fee ($799)

The Platinum Card® is the best premium card in Canada for travellers.

With this welcome offer, you can earn up to 100,000 Membership Rewards® points:

  • 70,000 points after charging $10,000 to your Card in your first 3 months of Cardmembership
  • 30,000 points when you make a purchase between the 15th and 17th month after your Cardmembership begins

With this Card, you get…

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 Ascend World Elite Mastercard
Annual fee
$0 $150
No annual fee the first year
Our valuation
$820
Milesopedia first-year estimateFirst-year valueWelcome bonus$670Annual fee rebated$150Total$820Rewards 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 100,000 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
$150/yr
Additional card
$50
Min. annual income
$80,000+
Household income
$150,000+
Interest rates
Purchases
21.99 %
Cash advance
23.99 %
Balance transfer
23.99 %
Foreign transaction fee
2.5 %

Issuer terms

Get up to $1,600 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.*
Read full review
Rewards
Rate
Travel
5x
Restaurants
3x
Streaming
3x
Bills & recurring payments
3x
Entertainment
3x
Telecom
3x
Benefits
Airport lounges
$160
Travel insurance
Coverage
Travel medical (under 55)
$2,000,000 · 21 days
Travel medical (55-64)
$5,000,000 · 21 days
Trip Cancellation
$1,500
Trip Interruption
$2,000
Delayed Baggage
$500
Lost Baggage
$500
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

  • First Year Annual Fee Rebate
  • Welcome bonus of up to 100,000 points
  • 3x at restaurants

Cons

  • Requires good credit

The BMO Ascend World Elite Mastercard is one of the best World Elite Mastercard travel rewards credit cards in Canada. With our welcome offer, you can get up to 100,000 BMO Rewards points, for a total value of up to $1,600.

Plus, there’s no annual fee in the first year for the primary cardholder and additional cardholders, and you benefit from a 0% introductory interest rate on balance transfers for 12 months (with a 2% balance transfer fee).

With the BMO Ascend World Elite Mastercard, you get:

  • 5 points per dollar on eligible travel*
  • 3 points per dollar on eligible dining, entertainment, and recurring bill payments*
  • 1 point per dollar on all other purchases*
Read full review

Airport lounge access transforms your travel experience — free food, drinks, Wi-Fi, showers, and a quiet place to work or relax. Several Canadian credit cards include lounge access as a perk, either through Priority Pass, the American Express Global Lounge Collection, or Plaza Premium.

FAQ

Frequently Asked Questions

Which credit card gives the best lounge access?

The Amex Platinum ($799/yr) offers unlimited access to 1,400+ lounges worldwide. For a lower fee, the Scotiabank Passport Visa Infinite includes 6 Priority Pass visits.

Next step

Find your perfect card

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