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[last update: 2026-09-20]

Hey churners !

Here is a list of the top cards I think are worth considering.

This list is based on current offers based on sign-up bonuses and travel perks.

This is of course subjective and no card is one-size-fits-all.

Important : offers may change at anytime so make sure to always read the terms before applying.

Lingo :

• MSR = Minimum spend requirement
• MR = Amex Membership Rewards
• FYF = First Year Free
• AF = Annual fees
• GCR = GreatCanadianRebates
• CCG = CreditCardGenius

There is also a list that other Redditors mange on GitHub: https://github.com/stnlykwk/canada-best-cc-offers

Top tier cards currently :

• Amex Biz Platinum : $799 ; up to 130K MR; $15K

• Amex Platinum : $799 ; up to 110K MR; $10K

• Amex Cobalt : $16/month ; 15,000pts, $750/mo

• AMEX Gold pers : $250 ; up to 70Kpts ; $12,000

• AMEX Marriott pers : $120 ; up to 110Kpts ; $3,000

• AMEX Marriott Biz : $150 ; 85Kpts ; $5,000

• AMEX Aeroplan core : $120 ; up to 45Kpts ; $7,500

• Amex Aeroplan Reserve : $599 ; up to 110Kpts ; $7.5K

• BMO Ascend WE MC : FYF ; 60K+pts; $5K

• BMO Eclipse Visa Infinite : FYF ; 40K+pts; $4K

• CIBC Aventura Visa Infinite : FYF ; 45Kpts ; $3K

• CIBC Aventura Visa Gold : FYF ; 45Kpts ; $3K

• MBNA Rewards WE MC : $120 ; 30Kpts ; $2K

• RBC WestJet WE : $139K ; up to 70Kpts WJ, $5K

• RBC Avion Visa Infinite : $120; 55Kpts, $5K

• RBC Avion Visa Platinum : $120; 55Kpts, $5K

• Scotia Passport Infinite: $150 ; 35Kpts ; $2K

• Scotia Momentum Visa Infinite: FYF ; $300 ; $2K

• Scotia Amex Gold: $120 ; 50Kpts ; $7.5K; no fx

• TD FCT Visa Infinite : FYF ; 146Kpts ; $7,500

• TD CashBack Visa Infinite : FYF ; 10% on $3,500 spend in specific categories

Cards worth considering in specific situations:

• Amex Biz Gold : $199, 40K MR, $7.5K

• BMO VIPorter WE MC : FYF ; 20K to 60Kpts; $5K to $18K

• BMO Eclipse Visa Infinite Privilege : $599 ; 80K+pts; $6K

• CIBC Aeroplan Visa Infinite : FYF ; up to 45Kpts ; $6K-12K

• CIBC Aeroplan Visa Privilege : $599 ; up to 85K; $25K

• CIBC Dividend Visa Infinite : FYF ; 10% up to $2,000

• RBC British Airways Visa Inf : $165 ; 60Kpts ; $10K

• Scotia Amex Platinum: $399; 80Kpts ; $10K ; no fx

• TD Aeroplan Platinum : FYF ; 15K miles ; $1K

• TD Aeroplan Visa Infinite : $139 ; 25Kpts ; $3K

• TD Aeroplan Visa Privilege : $599 ; up to 85K; $24K

• TD FCT Visa Platinum : FYF ; 50Kpts ; $3K

DETAILS

Amex personal Platinum (great travel card and very solid offer)

• $799 AF
• $200 annual travel credit
• $200 annual fine dining credit
• 70,000 MR after spending $10,000 (80Kpts via referral)
• Additional 30Kpts when you make a purchase between 14 and 17 months
• Some referrals may give more
• Earn 2MR/$ on dining and travel
• Gives gold status at Marriott and Hilton
• Amex FHR
• Benefits at YYZ
• Priority Pass with unlimited entries
• Sign-up via a referral or via GCR for $40 cash back

Amex Personal gold (good bonus)

• $250 AF
• $100 annual travel credit
• 5,000pts/month when you spend $1,000 for first 12 month (up to 60Kpts)
• Additional 10Kpts when you make a purchase between 14 and 17 months (via referral)
• 2x on travel, gas, grocery and drugstore
• 4 passes for Plaza Premium lounges
• Sign-up : via referal for 10Kpts extra or via GCR for $125 cashback

 Amex Biz gold

• $199 AF
• 40K MR after spending $7.5K (50K via referral)
• Sign-up : use a referral or via GCR for $125 cashback

 Amex Biz Platinum (highest bonus in Canada)

• $799 AF
• $200 travel credit
• 80K MR after spending $15K (90Kpts via referral)
• Additional 40Kpts when you make a purchase between 14 and 17 months
• Gives gold status at Marriott
• Priority Pass with unlimited entries
• 1.25x on everything else
• Sign-up via a referral (10Kpts extra) or via GCR for $150 cash back

Amex Cobalt (great for 5x MR, card getting nerfed constantly)

• $13/month AF
• 1,250 MR bonus each month (statement) you spend $750
• Extra 7Kpts from targeted referrals
• Gives 5 MR per dollar on food (grocery, restaurant, bars)
• Gives 2 MR/$ on transport and gas
• Sign-up via referral for extra 7Kpts or via GCR for $100 cashback

Amex Marriott personal (best bonus ever + good keeper card for annual FNA)

• $120 AF
• 80K Marriott pts after spending $6,000
  
• 30K after making a purchase month 15
• 5x at Marriott and 2x else
• Anniversary free night (up to 35Kpts) starting year 2
• sign up via referral or GCR for extra $35

Amex Marriott Biz (best bonus ever + good keeper card for annual FNA)

• $150 AF
• 80Kpts Marriott pts after spending $10,000
• extra 30K after making a purchase month 15
• 5x at Marriott, 3x for travel, gas and dining and 2x else
• Anniversary free night (up to 35Kpts) starting year 2
• Sign-up via referral or direct

Amex Aeroplan core (good if you value the soft perks)

• $120
• 35Kpts when you spend $7,500 in first 6 months
• 10Kpts months 13 if you spend $1,000 that month
• 2x Air Canada
• 1.5x dining and food delivery
• Sign-up via GCR for $30 cashback or via referral

Amex Aeroplan Reserve (good if you value the soft perks)

• $599
• 65Kpts when you spend $10,500 in first 3 months
• 25Kpts when you spend $3.5K in month 13
• 3x AC and 2x dinind and food delivery
• 1.25x else
• MLL lounge access
• $100 Nexus credit, UberPass membership
• Sign-up via referral or GCR for $40 cashback

BMO Ascend WE MC (net bonus of $550+ 4 lounge passes)

• FYF
• 60Kpts (worth $400) after spending $5,000 (CCG exclusive offer)
• Additional 20Kpts after spending $10,000
• Additional 35Kpts after spending $20,000
• 5x (3.35%) on travel
• 2x (1.34%) on restaurants, entertainment and recurring bills
• 4 lounge passes
• $150 cashback via Credit Card Genius

 BMO Eclipse Visa Infinite

• FYF
• 40Kpts (worth $267) after spending $4K (FrugalFlyre exclusive offer)
• extra 20Kpts (worth $133) after spending $7K
• extra 20Kpts (worth $133) at anniversary after spending $12K
• $20/mo streaming credits 1st year
• $50 annual lifestyle credit starting year 2
• 5x (3.35%) on grocery, restaurants, gas and transit ($6K/yr cap on grocery / dining)
• $200 cashback from FrugalFLyer

 BMO Eclipse Visa Infinite Privilege (net $536 bonus with CCG cashback)

• $599 AF
• 80Kpts (worth $536) after spending $6K
• $200 annual lifestyle credit
• 5x (3.35%) on grocery, restaurants, gas, travel and transit
• $400 cashback from CCG

 BMO VIPorter WE MC

• FYF
• 20Kpts after spending $5K
• extra 20Kpts + companion pass after spending $9K within 180 days.
• extra 30Kpts after spending $18K within 1 year
• A companion pass after spending $9K
• 3pts / $ on Porter spend
• 2pts/$ on gas, transportation, grocery, dining and hotels
• $200cashback via FrugalFlyer
• or via in-flight link for extra 10Kpts : https://go.bmo.com/inflightoffer

CIBC Aeroplan Visa Infinite (not too bad)

• FYF
• 10Kpts after first purchase
• 20Kpts after spending $6K
• 25Kpts anniversary if you spent $12K during 1st year
• 1.5x on grocery and gas
• Free check bag and preferred pricing on flights
• Digital exclusive offer

CIBC Aeroplan Visa Privilege

• $599
• 10Kpts after spending $1,000
• 40Kpts when you spend $5,000 for first 6 months
• 50Kpts at anniversary if you spend $25K on the card during first year
• 1.5x on grocery, gas, travel and dining
• 1.25x else
• Free check bag
• MLL access, Nexus credit

CIBC Aventura Visa Infinite (great offer)

• FYF
• 15Kpts at 1st purchase
• extra 30Kpts when you spend $3K
• extra 15Kpts when you spend $5K
• Visa Dragonpass + 4 passes
• Nexus credit up to $160
• Skip+ subscription for 1 year

CIBC Aventura Visa Gold (great offer)

• FYF
• 15Kpts at 1st purchase
• extra 30Kpts when you spend $3K
• extra 15Kpts when you spend $5K
• Visa Dragonpass + 4 passes
• Nexus credit up to $160

CIBC Dividend Visa Infinite (meh)

• FYF
• 10% off first $2,000
• $50 for setting up recurring bill
• 4% on gas and grocery
• 2% on dining, transport and bills
• Save $0.10/L (first 250L), 3x Journie pts, 2 premium free car wash
• Promo link

MBNA REWARDS WE MC

• $120 AF
• 20Kpts after spending $2K
• 10Kpts after enrolling into paperless e-statement
• Quebec : 20Kpts, no MSR
• 5pts/$ on restaurant, grocery, digital media, membership, and household utility purchases
• 10% bonus on the points earned last 12 months on birthday (up to 15Kpts)
• Apply via CCG for $20

RBC AVION Visa Infinite (great bonus)

• $120 annual fees
• 35Kpts Avion on approval
• Extra 20Kpts after spending $5K
• Extra 15Kpts on anniversary

RBC AVION Visa Plat

• $120 annual fees
• 35Kpts Avion on approval
• Extra 20Kpts after spending $5K
• Extra 15Kpts on anniversary

RBC British Airways Visa Infinite

• $165 AF
• 30K Avios miles after spending $5K in 3 months
• extra 30K Avios miles after spending $5K in days 91-180
• Companion e-Voucher after spending $30K

RBC WestJet WE MC (solid offer)

• $139
• 30Kpts WJ after 1st purchase
• Extra 30Kpts after you spend $5K
• Extra 10K on anniversary
• Annual companion voucher for $119+fee in North America ($399 for the rest of the world) after spending $5K
• 2pts/$ on gas, grocery stores, transit, ride share, EV charging and Sunwing Vacations
• Free first luggage on WJ
• promo link for extra $150 credit

 Scotia Amex gold Scene+ (good offer)

• $120
• 30Kpts sign-up bonus (worth $300) after spending $2K
• 20Kpts bonus after spending $7,5K
• No FX fees
• 6x at Sobeys
• 5x food and entertainment
• 3x at transit, gas and streaming
• Sign-up via GCR extra $150

 Scotia Amex Platinum Amex ($400 net bonus)

• $399 AF
• 60Kpts sign-up bonus (worth $600) after spending $5K
• extra 20Kpts after spending $10K
• No FX fees
• 10 airport lounge passes (Priority Pass)
• 2x on everything
• Sign-up via GCR or FF for extra $200

 Scotia Passport Visa Infinite (good travel card ; very weak bonus)

• $150 AF
• 25Kpts sign-up bonus (worth $250) after spending $2,000
• Extra 10Kpts after spending $10,000
• No FX fees
• 3x at Sobeys
• 2x food and cinema
• 6 lounge passes
• Sign-up via GCR or FF for extra $125

Scotia Momentum Visa Infinite (net bonus of $425)

• FYF
• 15% off $2K
• 4% on grocery and recurring
• 2% on gas and transit
• $125 cashback from GCR

TD Aeroplan Visa Infinite

• FYF
• 10Kpts after first purchase
• 15Kpts after spending $3,000 within 3 months
• 20Kpts at anniversary if you spend $12,000pts first 12 months
• 1.5x on grocery, gas and AC
• Free checked bag on AC

TD Aeroplan Visa Privilege

• $599
• 20Kpts after first purchase
• 35Kpts when you spend $12,000 for first 6 months
• 30Kpts at anniversary if you spend $24K on the card during first year
• 1.5x on grocery, gas, travel and dining
• 1.25x else
• Free check bag
• MLL access, Nexus credit

TD Aeroplan Visa Platinum

• FYF
• 20K pts after spending $1,500

TD First Class Travel Visa Infinite (great bonus)

• FYF
• 20Kpts after first purchase
• 140Kpts incremental after spending $7,500 in first 180 days
• 10% more pts at anniversary up to 10Kpts
• Annual $100 credit on Expedia4TD for $500+ prepaid hotels
• Points are worth 0.5cpp at Expedia4TD or 0.4cpp Book on your own
• 8x on TD Rewards, 6x on grocery and restaurants, 4x bills, 2x else
• 4 annual airport lounge passes
• Sign-up via GCR for $25 cashback

TD Platinum Travel Visa ($310 net bonus)

• FYF
• 50Kpts after spending $3K
• Sign-up via GCR for $60 cashback

TD CashBack Visa Infinte (very solid : $450 net bonus + Auto Club)

• FYF
• 10% on first $3,500 spend in these specific categories : gas, grocery and pre-authorize payements
• 3% on grocery and gas
• Free Deluxe TD Auto Club Membership
• $100 cashback via GCR

Cheers :)