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Best for: Overall value

It comes with a welcome bonus of 35,000 points. You earn 2x on groceries and 2x at restaurants. Estimated first-year value is $644.

Annual Fee
$150
Rewards rate
1x

Scene+

Welcome Bonus
Up to 35,000 points

Ends Nov 1, 2026

1st Year Value
$644

Pros

  • Welcome bonus of 35,000 points
  • 2x on groceries
  • 2x at restaurants
  • Estimated 1st-year value of $644

Cons

  • Requires good credit
Best for: Travel rewards

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

CIBC Aventura

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: 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