10 Best Credit Cards in Canada 2026

Best for: First-Year Annual Fee Rebate

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The BMO eclipse Visa Infinite Card offers a first year annual fee rebate (regular fee $120/yr). It comes with a welcome bonus of 80,000 points. You earn 5x on groceries and 5x at restaurants. Estimated first-year value is $1,155.

First-Year Annual Fee Rebate

Annual Fee: $120 $0
Rewards rate: 1x
Welcome Bonus: Up to 80,000 points
1st Year Value: $1,155

Pros

First Year Annual Fee Rebate
Welcome bonus of 80,000 points
5x on groceries
5x at restaurants

Cons

Requires good credit

Best for: Travel rewards

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Marriott Bonvoy® American Express® Card

Amex Marriott Bonvoy

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It comes with a welcome bonus of 110,000 points. You earn 2x on groceries and 2x at restaurants. Estimated first-year value is $1,140.

Annual Fee: $120
Rewards rate: 2x
Welcome Bonus: Up to 110,000 points
1st Year Value: $1,140

Pros

Welcome bonus of 110,000 points
2x on groceries
2x at restaurants
Estimated 1st-year value of $1,140

Cons

Fewer premium perks

Best for: First-Year Annual Fee Rebate

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TD First Class Travel® Visa Infinite Card

TD TD Rewards

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The TD First Class Travel® Visa Infinite Card offers a first year annual fee rebate (regular fee $139/yr). It comes with a welcome bonus of 146,000 points. You earn 6x on groceries and 6x at restaurants. Estimated first-year value is $1,336.

First-Year Annual Fee Rebate

Annual Fee: $139 $0
Rewards rate: 2x
Welcome Bonus: Up to 146,000 points
1st Year Value: $1,336

Pros

First Year Annual Fee Rebate
Welcome bonus of 146,000 points
6x on groceries
6x at restaurants

Cons

Requires good credit

Best for: Travel rewards

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RBC Avion Visa Infinite Card

RBC RBC Avion Rewards - Elite

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It comes with a welcome bonus of 70,000 points. You earn 1x on groceries and 1x at restaurants. Estimated first-year value is $1,387.

Annual Fee: $120
Rewards rate: 1x
Welcome Bonus: Up to 70,000 points
1st Year Value: $1,387

Pros

Welcome bonus of 70,000 points
Estimated 1st-year value of $1,387

Cons

Requires good credit

Best for: Overall value

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Scotiabank Gold American Express® Card

Scotia Scene+

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It comes with a welcome bonus of 50,000 points. You earn 5x on groceries and 5x at restaurants. Estimated first-year value is $1,280.

Annual Fee: $120
Rewards rate: 1x
Welcome Bonus: Up to 50,000 points
1st Year Value: $1,280

Pros

Welcome bonus of 50,000 points
5x on groceries
5x at restaurants
Estimated 1st-year value of $1,280

Cons

Requires good credit

Best for: Overall value

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American Express Cobalt® Card

Amex Amex Membership Rewards

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It comes with a welcome bonus of 15,000 points. You earn 5x on groceries and 5x at restaurants. Estimated first-year value is $1,491.

Annual Fee: $191.88
Rewards rate: 1x
Welcome Bonus: Up to 15,000 points
1st Year Value: $1,491

Pros

Welcome bonus of 15,000 points
5x on groceries
5x at restaurants
Estimated 1st-year value of $1,491

Cons

High annual fee ($191.88)

Best for: First-Year Annual Fee Rebate

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National Bank World Elite® Mastercard®

BNC NBC Rewards

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The National Bank World Elite® Mastercard® offers a first year annual fee rebate (regular fee $150/yr). You earn 5x on groceries and 5x at restaurants. Estimated first-year value is $767.

First-Year Annual Fee Rebate

Annual Fee: $150 $0
Rewards rate: 1x
Welcome Bonus: —
1st Year Value: $767

Pros

First Year Annual Fee Rebate
5x on groceries
5x at restaurants
Estimated 1st-year value of $767

Cons

No welcome bonus
Requires good credit

Best for: Travel rewards

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CIBC Aventura® Visa Infinite Card

CIBC CIBC Aventura

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The CIBC Aventura® Visa Infinite Card offers a first year annual fee rebate (regular fee $139/yr). It comes with a welcome bonus of 45,000 points. You earn 1.5x on groceries and 1x at restaurants. Estimated first-year value is $968.

First-Year Annual Fee Rebate

Annual Fee: $139 $0
Rewards rate: 1x
Welcome Bonus: Up to 45,000 points
1st Year Value: $968

Pros

First Year Annual Fee Rebate
Welcome bonus of 45,000 points
Estimated 1st-year value of $968

Cons

Requires good credit

Best for: Aeroplan travel

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TD® Aeroplan® Visa Infinite Card

TD Aeroplan

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The TD® Aeroplan® Visa Infinite Card offers a first year annual fee rebate (regular fee $139/yr). It comes with a welcome bonus of 40,000 points. You earn 1.5x on groceries and 1x at restaurants. Estimated first-year value is $1,508.

First-Year Annual Fee Rebate

Annual Fee: $139 $0
Rewards rate: 1x
Welcome Bonus: Up to 40,000 points
1st Year Value: $1,508

Pros

First Year Annual Fee Rebate
Welcome bonus of 40,000 points
Estimated 1st-year value of $1,508

Cons

Requires good credit

Best for: Cash back

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Scotia Momentum® Visa Infinite + Card

Scotia Cash Back

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The Scotia Momentum® Visa Infinite + Card offers a first year annual fee rebate (regular fee $120/yr). It comes with a welcome bonus of $300. You earn 4x on groceries and 1x at restaurants. Estimated first-year value is $1,044.

First-Year Annual Fee Rebate