10 Best Credit Cards in Canada - September 2026

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Scotia Momentum® Visa Infinite +* Card

Scotia Cash BackFirst-Year Annual Fee Rebate

Annual fee: $0 $120No annual fee the first year
Our valuation: $420Milesopedia first-year estimate First-year valueWelcome bonus$300Annual fee rebated$120Total$420Rewards 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 $300 Cash Back

Features
Issuer: Scotia
Network
Loyalty Program: Cash Back

Fees and terms
Annual Fee: $120/yr
Min. annual income: $60,000+

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Rewards: Rate
Groceries: 4x
Bills & recurring payments: 4x
Telecom: 4x
Gas & EV: 2x
Transit: 2x
Streaming: 2x

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American Express Cobalt® Card

Amex Amex Membership Rewards

Annual fee: $191.88
Our valuation: $255Milesopedia first-year estimate First-year valueWelcome bonus$255Total$255Rewards 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 15,000 points

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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
Loyalty Program: Amex Membership Rewards

Fees and terms
Annual Fee: $191.88/yr ($15.99/mo)
Min. annual income: —

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Rewards: Rate
Restaurants: 5x
Groceries: 5x
Convenience: 5x
Streaming: 3x
Transit: 2x
Gas & EV: 2x

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TD First Class Travel® Visa Infinite* Card

TD TD Rewards First-Year Annual Fee Rebate

Annual fee: $0 $139No annual fee the first year
Our valuation: $1,039Milesopedia 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.
Welcome offer: Up to 160,000 points

Features
Issuer: TD
Network
Loyalty Program: TD Rewards

Fees and terms
Annual Fee: $139/yr
Min. annual income: $60,000+

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Rewards: Rate
Groceries: 6x
Restaurants: 6x
Transit: 6x
Bills & recurring payments: 4x
Streaming: 4x

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RBC Avion Visa Infinite Card

RBC RBC Avion Rewards - Elite

Annual fee: $120
Our valuation: $1,050Milesopedia first-year estimate First-year valueWelcome bonus$1,050Total$1,050Rewards 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

Features
Issuer: RBC
Network
Loyalty Program: RBC Avion Rewards - Elite

Fees and terms
Annual Fee: $120/yr
Min. annual income: $60,000+

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Rewards: Rate
Travel: 1.25x

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Scotiabank Gold American Express® Card

Scotia Scene+

Annual fee: $120
Our valuation: $500Milesopedia first-year estimate First-year valueWelcome bonus$500Total$500Rewards 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 50,000 points

Features
Issuer: Scotia
Network
Loyalty Program: Scene+

Fees and terms
Annual Fee: $120/yr
Min. annual income: $12,000+

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Rewards: Rate
With the partner brand: 6x
Groceries: 5x
Entertainment: 5x
Restaurants: 5x
Streaming: 3x
Transit: 3x
Gas & EV: 3x

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TD® Aeroplan® Visa Infinite Privilege* Credit Card

TD Aeroplan

Annual fee: $599
Our valuation: $2,100Milesopedia first-year estimate First-year valueWelcome bonus$2,000Annual credit$100Total$2,100Rewards 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

Features
Issuer: TD
Network
Loyalty Program: Aeroplan

Fees and terms
Annual Fee: $599/yr
Min. annual income: $150,000+

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Rewards: Rate
Air Canada flights: 2x
Restaurants: 1.5x
Groceries: 1.5x
Travel: 1.5x
Transit: 1.5x
Gas & EV: 1.5x

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CIBC® Aeroplan® Visa Infinite Privilege* Card

CIBC Aeroplan

Annual fee: $599
Our valuation: $2,000Milesopedia first-year estimate First-year valueWelcome bonus$2,000Total$2,000Rewards 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

Features
Issuer: CIBC
Network
Loyalty Program: Aeroplan

Fees and terms
Annual Fee: $599/yr
Min. annual income: $200,000+

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Rewards: Rate
Air Canada flights: 2x
Groceries: 1.5x
Pharmacy: 1.5x
Gas & EV: 1.5x

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BMO VIPorter World Elite®* Mastercard®*

BMO Porter VIPorter First-Year Annual Fee Rebate

Annual fee: $0 $199No annual fee the first year
Our valuation: $1,249Milesopedia first-year estimate First-year valueWelcome bonus$1,050Annual fee rebated$199Total$1,249Rewards 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

Features
Issuer: BMO
Network
Loyalty Program: Porter VIPorter

Fees and terms
Annual Fee: $199/yr
Min. annual income: $80,000+

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Rewards: Rate
Porter flights: 3x
Groceries: 2x
Convenience: 2x
Transit: 2x
Gas & EV: 2x
Restaurants: 2x

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CIBC Aeroplan® Visa Infinite* Card

CIBC Aeroplan First-Year Annual Fee Rebate

Annual fee: $0 $139No annual fee the first year
Our valuation: $1,139Milesopedia first-year estimate First-year valueWelcome bonus$1,000Annual fee rebated$139Total$1,139Rewards 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 50,000 points

Features
Issuer: CIBC
Network
Loyalty Program: Aeroplan

Fees and terms
Annual Fee: $139/yr
Min. annual income: $60,000+

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Rewards: Rate
Gas & EV: 1.5x
Pharmacy: 1.5x
Groceries: 1.5x
Air Canada flights: 1.5x

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TD® Aeroplan® Visa Infinite* Card

TD Aeroplan First-Year Annual Fee Rebate

Annual fee: $0 $139No annual fee the first year
Our valuation: $1,239Milesopedia first-year estimate First-year valueWelcome bonus$1,000Annual fee rebated$139Annual credit$100Total$1,239Rewards 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 50,000 points

Features
Issuer: TD
Network
Loyalty Program: Aeroplan

Fees and terms
Annual Fee: $139/yr
Min. annual income: $60,000+

Read full review

Rewards: Rate
Gas & EV: 1.5x
Groceries: 1.5x
Air Canada flights: 1.5x

Read full review

10 Best Credit Cards in Canada - September 2026

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