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Best for: Overall value

It comes with a welcome bonus of 60,000 points. You earn 2x on groceries and 1x at restaurants. Estimated first-year value is $1,504.

Annual Fee
$250
Rewards rate
1x

Amex Membership Rewards

Welcome Bonus
Up to 60,000 points
1st Year Value
$1,504

Pros

  • Welcome bonus of 60,000 points
  • 2x on groceries
  • Estimated 1st-year value of $1,504

Cons

  • High annual fee ($250)
Best for: Overall value

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

$15.99/mo

Rewards rate
1x

Amex Membership Rewards

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

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

TD Rewards

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

It comes with a welcome bonus of 28,000 points. You earn 3x on groceries and 3x at restaurants. Estimated first-year value is $1,326.

Annual Fee
$48
Rewards rate
1x

RBC Avion Rewards - Premium

Welcome Bonus
Up to 28,000 points

Ends Nov 4, 2026

1st Year Value
$1,326

Pros

  • Welcome bonus of 28,000 points
  • 3x on groceries
  • 3x at restaurants
  • Estimated 1st-year value of $1,326

Cons

  • Fewer premium perks
Best for: Overall value

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

Scene+

Welcome Bonus
Up to 50,000 points

Ends Nov 1, 2026

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: Cash back

The BMO CashBack® World Elite® Mastercard® offers a first year annual fee rebate (regular fee $139/yr). It comes with a welcome bonus of $650. You earn 5x on groceries and 1x at restaurants. Estimated first-year value is $1,242.

First-Year Annual Fee Rebate
Annual Fee
$139 $0
Rewards rate
1x

Cash Back

Welcome Bonus
Up to $650
1st Year Value
$1,242

Pros

  • First Year Annual Fee Rebate
  • Welcome bonus of $650
  • 5x on groceries
  • Estimated 1st-year value of $1,242

Cons

  • Requires good credit
Best for: Overall value

It comes with a welcome bonus of 100,000 points. You earn 2x on groceries and 2x at restaurants. Estimated first-year value is $1,201.

Annual Fee
$399
Rewards rate
2x

Scene+

Welcome Bonus
Up to 100,000 points

Ends Nov 1, 2026

1st Year Value
$1,201

Pros

  • Welcome bonus of 100,000 points
  • 2x on groceries
  • 2x at restaurants
  • Estimated 1st-year value of $1,201

Cons

  • High annual fee ($399)
  • Requires good credit
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: Travel rewards

It comes with a welcome bonus of 110,000 points. You earn 2x on groceries and 3x at restaurants. Estimated first-year value is $1,180.

Annual Fee
$150
Rewards rate
2x

Marriott Bonvoy

Welcome Bonus
Up to 110,000 points

Ends Sep 22, 2026

1st Year Value
$1,180

Pros

  • Welcome bonus of 110,000 points
  • 2x on groceries
  • 3x at restaurants
  • Estimated 1st-year value of $1,180

Cons

  • Fewer premium perks