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Best for: First-Year Annual Fee Rebate

The BMO Blue Rewards World Elite® Mastercard® offers a first year annual fee rebate (regular fee $150/yr). You earn 2x on groceries and 1x at restaurants. Estimated first-year value is $1,193.

First-Year Annual Fee Rebate
Annual Fee
$150 $0
Rewards rate
1x

Blue Rewards

Welcome Bonus

Ends Oct 31, 2026

1st Year Value
$1,193

Pros

  • First Year Annual Fee Rebate
  • 2x on groceries
  • Estimated 1st-year value of $1,193

Cons

  • No welcome bonus
  • Requires good credit
Best for: First-Year Annual Fee Rebate

The BMO Ascend™ World Elite® Mastercard® offers a first year annual fee rebate (regular fee $150/yr). It comes with a welcome bonus of 100,000 points. You earn 1x on groceries and 3x at restaurants. Estimated first-year value is $1,048.

First-Year Annual Fee Rebate
Annual Fee
$150 $0
Rewards rate
1x

BMO Rewards

Welcome Bonus
Up to 100,000 points
1st Year Value
$1,048

Pros

  • First Year Annual Fee Rebate
  • Welcome bonus of 100,000 points
  • 3x at restaurants
  • Estimated 1st-year value of $1,048

Cons

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

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

NBC Rewards

Welcome Bonus

Ends Nov 4, 2026

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: Overall value

It comes with a welcome bonus of 30,000 points. You earn 1.5x on groceries and 1x at restaurants. Estimated first-year value is $549.

Annual Fee
$120
Rewards rate
1x

Scene+

Welcome Bonus
Up to 30,000 points

Ends Oct 30, 2026

1st Year Value
$549

Pros

  • Welcome bonus of 30,000 points
  • Estimated 1st-year value of $549

Cons

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

The BMO® Ascend World Elite®Business Mastercard® offers a first year annual fee rebate (regular fee $149/yr). It comes with a welcome bonus of 100,000 points. You earn 1.5x on groceries and 1.5x at restaurants. Estimated first-year value is $506.

First-Year Annual Fee Rebate
Annual Fee
$149 $0
Rewards rate
1.5x

BMO Rewards

Welcome Bonus
Up to 100,000 points
1st Year Value
$506

Pros

  • First Year Annual Fee Rebate
  • Welcome bonus of 100,000 points
  • Estimated 1st-year value of $506

Cons

  • Fewer premium perks
Best for: Overall value

You earn 3x on groceries and 3x at restaurants. Estimated first-year value is $632.

Annual Fee
$130
Rewards rate
1x

Bonidollars Desjardins

Welcome Bonus
1st Year Value
$632

Pros

  • 3x on groceries
  • 3x at restaurants
  • Estimated 1st-year value of $632

Cons

  • No welcome bonus
  • Requires good credit