François CharronPowered by Milesopedia
Best for: Aeroplan travel

It comes with a welcome bonus of 85,000 points. You earn 1.25x on groceries and 2x at restaurants. Estimated first-year value is $1,405.

Annual Fee
$599
Rewards rate
1.25x

Aeroplan

Welcome Bonus
Up to 85,000 points
1st Year Value
$1,405

Pros

  • Welcome bonus of 85,000 points
  • 2x at restaurants
  • Estimated 1st-year value of $1,405

Cons

  • High annual fee ($599)
Best for: Aeroplan travel

It comes with a welcome bonus of 85,000 points. You earn 1.5x on groceries and 1.5x at restaurants. Estimated first-year value is $1,938.

Annual Fee
$599
Rewards rate
1.25x

Aeroplan

Welcome Bonus
Up to 85,000 points
1st Year Value
$1,938

Pros

  • Welcome bonus of 85,000 points
  • Estimated 1st-year value of $1,938

Cons

  • High annual fee ($599)
  • Requires good credit
Best for: First-Year Annual Fee Rebate

The BMO VIPorter World Elite® Mastercard® offers a first year annual fee rebate (regular fee $199/yr). It comes with a welcome bonus of 70,000 points. You earn 2x on groceries and 2x at restaurants. Estimated first-year value is $1,734.

First-Year Annual Fee Rebate
Annual Fee
$199 $0
Rewards rate
1x

Porter VIPorter

Welcome Bonus
Up to 70,000 points

Ends Oct 31, 2026

1st Year Value
$1,734

Pros

  • First Year Annual Fee Rebate
  • Welcome bonus of 70,000 points
  • 2x on groceries
  • 2x at restaurants

Cons

  • High annual fee ($199)
  • Requires good credit
Best for: Overall value

It comes with a welcome bonus of 70,000 points. You earn 2x on groceries and 1.5x at restaurants. Estimated first-year value is $1,071.

Annual Fee
$139
Rewards rate
1.5x

WestJet Rewards

Welcome Bonus
Up to 70,000 points

Ends Nov 4, 2026

1st Year Value
$1,071

Pros

  • Welcome bonus of 70,000 points
  • 2x on groceries
  • Estimated 1st-year value of $1,071

Cons

  • Requires good credit
Best for: First-Year Annual Fee Rebate

The BMO VIPorter Mastercard® offers a first year annual fee rebate (regular fee $89/yr). It comes with a welcome bonus of 40,000 points. You earn 1x on groceries and 1x at restaurants. Estimated first-year value is $942.

First-Year Annual Fee Rebate
Annual Fee
$89 $0
Rewards rate
0.5x

Porter VIPorter

Welcome Bonus
Up to 40,000 points

Ends Oct 31, 2026

1st Year Value
$942

Pros

  • First Year Annual Fee Rebate
  • Welcome bonus of 40,000 points
  • Estimated 1st-year value of $942

Cons

  • Fewer premium perks
Best for: Overall value

It comes with a welcome bonus of 60,000 Avios. You earn 2x on groceries and 2x at restaurants. Estimated first-year value is $1,569.

Annual Fee
$165
Rewards rate
1x

British Airways Club

Welcome Bonus
Up to 60,000 Avios

Ends Sep 9, 2026

1st Year Value
$1,569

Pros

  • Welcome bonus of 60,000 Avios
  • 2x on groceries
  • 2x at restaurants
  • Estimated 1st-year value of $1,569

Cons

  • High annual fee ($165)
  • Requires good credit