10 Best Credit Cards in Canada - October 2026

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TD First Class Travel® Visa Infinite* Card

TD TD Rewards First-Year Annual Fee Rebate

Annual feeNo annual fee the first year: $0 $139
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$800Annual fee rebated$139Annual credit$100Total$1,039Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $1,039
Welcome offerAfter $7,500 in 6 months: Up to 160,000 points

Features
Issuer: TD
Network
Loyalty Program: TD Rewards

Fees and terms
Annual Fee: $139/yr
Min. annual income: $60,000+

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Rewards: Rate
Groceries: 6x
Restaurants: 6x
Transit: 6x
Bills & recurring payments: 4x
Streaming: 4x

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RBC Avion Visa Infinite Card

RBC RBC Avion Rewards - Elite

Annual fee: $120
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$1,190Total$1,190Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $1,190
Welcome offerAfter $5,000 in 6 months: Up to 70,000 points; Ends Nov 25, 2026

Features
Issuer: RBC
Network
Loyalty Program: RBC Avion Rewards - Elite

Fees and terms
Annual Fee: $120/yr
Min. annual income: $60,000+

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Rewards: Rate
Travel: 1.25x

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American Express Cobalt® Card

Amex Amex Membership Rewards

Annual fee: $191.88
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$255Total$255Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $255
Welcome offerGet 1,250 points after $750 in purchases per month for 12 months: Up to 15,000 points

Apply Now

on American Express's website

Apply with confidenceCheck whether your application will be approved before you submit it, with no impact on your credit score*When you apply for a personal American Express Credit Card, we will tell you whether you are eligible without affecting your credit score. So you can apply with confidence.*Instant decisions are only available for consumer Card applications (also called “personal Cards”).

Features
Issuer: Amex
Network
Loyalty Program: Amex Membership Rewards

Fees and terms
Annual Fee: $191.88/yr ($15.99/mo)
Min. annual income: —

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Rewards: Rate
Convenience: 5x
Restaurants: 5x
Groceries: 5x
Streaming: 3x
Transit: 2x
Gas & EV: 2x

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Marriott Bonvoy® American Express®* Card

Amex Marriott Bonvoy

Annual fee: $120
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$700Total$700Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $700
Welcome offerAfter $3,000 in 3 months: Up to 70,000 points

Apply Now

on American Express's website

Features
Issuer: Amex
Network
Loyalty Program: Marriott Bonvoy

Fees and terms
Annual Fee: $120/yr
Min. annual income: —

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Rewards: Rate
Marriott Bonvoy hotels: 5x

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TD® Aeroplan® Visa Infinite* Card

TD Aeroplan First-Year Annual Fee Rebate

Annual feeNo annual fee the first year: $0 $139
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$1,000Annual fee rebated$139Annual credit$100Total$1,239Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $1,239
Welcome offerAfter $12,000 in 12 months: Up to 50,000 points

Features
Issuer: TD
Network
Loyalty Program: Aeroplan

Fees and terms
Annual Fee: $139/yr
Min. annual income: $60,000+

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Rewards: Rate
Gas & EV: 1.5x
Groceries: 1.5x
Air Canada flights: 1.5x

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Scotiabank Gold American Express® Card

Scotia Scene+

Annual fee: $120
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$500Total$500Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $500
Welcome offerAfter $7,500 in 12 months: Up to 50,000 points; Ends Nov 1, 2026

Features
Issuer: Scotia
Network
Loyalty Program: Scene+

Fees and terms
Annual Fee: $120/yr
Min. annual income: $12,000+

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Rewards: Rate
With the partner brand: 6x
Groceries: 5x
Entertainment: 5x
Restaurants: 5x
Gas & EV: 3x
Streaming: 3x
Transit: 3x

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National Bank World Elite® Mastercard®

National Bank NBC RewardsFirst-Year Annual Fee Rebate

Annual feeNo annual fee the first year: $0 $150
Our valuationMilesopedia first-year estimate First-year valueAnnual fee rebated$150Annual credit$150Total$300Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $300
Welcome offer$150 annual fee rebated: First Year Annual Fee Rebate; Ends Nov 4, 2026

Features
Issuer: National Bank
Network
Loyalty Program: NBC Rewards

Fees and terms
Annual Fee: $150/yr
Min. annual income: $80,000+

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Rewards: Rate
Restaurants: 5x
Groceries: 5x
Gas & EV: 2x
Bills & recurring payments: 2x
Travel: 2x

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BMO Ascend™ World Elite®* Mastercard®*

BMO BMO Rewards First-Year Annual Fee Rebate

Annual feeNo annual fee the first year: $0 $150
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$771Annual fee rebated$150Total$921Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $921
Welcome offerAfter $20,000 in 12 months: Up to 115,000 points

Features
Issuer: BMO
Network
Loyalty Program: BMO Rewards

Fees and terms
Annual Fee: $150/yr
Min. annual income: $80,000+

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Rewards: Rate
Travel: 5x
Restaurants: 3x
Streaming: 3x
Bills & recurring payments: 3x
Entertainment: 3x
Telecom: 3x

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Scotia Momentum® Visa Infinite +* Card

Scotia Cash BackFirst-Year Annual Fee Rebate

Annual feeNo annual fee the first year: $0 $120
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$300Annual fee rebated$120Total$420Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $420
Welcome offerAfter $2,000 in 3 months: Up to $300 Cash Back; Ends Nov 1, 2026

Features
Issuer: Scotia
Network
Loyalty Program: Cash Back

Fees and terms
Annual Fee: $120/yr
Min. annual income: $60,000+

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Rewards: Rate
Groceries: 4x
Bills & recurring payments: 4x
Telecom: 4x
Gas & EV: 2x
Transit: 2x
Streaming: 2x

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BMO VIPorter World Elite®* Mastercard®*

BMO Porter VIPorter First-Year Annual Fee Rebate

Annual feeNo annual fee the first year: $0 $199
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$1,050Annual fee rebated$199Total$1,249Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $1,249
Welcome offer+ one round-trip companion passAfter $18,000 in 12 months: Up to 70,000 points; Ends Oct 31, 2026

Features
Issuer: BMO
Network
Loyalty Program: Porter VIPorter

Fees and terms
Annual Fee: $199/yr
Min. annual income: $80,000+

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Rewards: Rate
Porter flights: 3x
Groceries: 2x
Convenience: 2x
Transit: 2x
Gas & EV: 2x
Restaurants: 2x

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10 Best Credit Cards in Canada - October 2026

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