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Best for: Travel rewards

It comes with a welcome bonus of 100,000 points. You earn 1.25x on groceries and 1.25x at restaurants. Estimated first-year value is $1,664.

Annual Fee
$399
Rewards rate
1.25x

RBC Avion Rewards - Elite

Welcome Bonus
Up to 100,000 points

Ends Nov 25, 2026

1st Year Value
$1,664

Pros

  • Welcome bonus of 100,000 points
  • Estimated 1st-year value of $1,664

Cons

  • High annual fee ($399)
  • Requires good credit
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

The CIBC Aventura® Gold Visa 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: 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: Travel rewards

It comes with a welcome bonus of 80,000 points. You earn 1.25x on groceries and 1.25x at restaurants. Estimated first-year value is $911.

Annual Fee
$499
Rewards rate
1.25x

CIBC Aventura

Welcome Bonus
Up to 80,000 points
1st Year Value
$911

Pros

  • Welcome bonus of 80,000 points
  • Estimated 1st-year value of $911

Cons

  • High annual fee ($499)
  • Requires good credit
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: Overall value

It comes with a welcome bonus of 40,000 points. You earn 1.5x on groceries and 1.5x at restaurants. Estimated first-year value is $551.

Annual Fee
$199
Rewards rate
1.5x

Scene+

Welcome Bonus
Up to 40,000 points

Ends Oct 31, 2026

1st Year Value
$551

Pros

  • Welcome bonus of 40,000 points
  • Estimated 1st-year value of $551

Cons

  • High annual fee ($199)
  • Requires good credit
Best for: Cash back

You earn 2x on groceries and 2x at restaurants. Estimated first-year value is $360.

Annual Fee
$240
Rewards rate
2x

Cash Back

Welcome Bonus
1st Year Value
$360

Pros

  • 2x on groceries
  • 2x at restaurants
  • Estimated 1st-year value of $360

Cons

  • High annual fee ($240)
  • No welcome bonus
  • Requires good credit
Best for: Overall value

It comes with a welcome bonus of 80,000 points. You earn 1x on groceries and 2x at restaurants. Estimated first-year value is $85.

Annual Fee
$599
Rewards rate
1x

Scene+

Welcome Bonus
Up to 80,000 points

Ends Nov 1, 2026

1st Year Value
$85

Pros

  • Welcome bonus of 80,000 points
  • 2x at restaurants

Cons

  • High annual fee ($599)
  • Requires good credit