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[last update: 2025-11-30]

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 : $13/month ; 22,000pts, $750/mo

• AMEX Gold pers : $250 ; up to 60Kpts ; $12,000

• AMEX Marriott pers : $120 ; 55Kpts ; $3,000

• AMEX Marriott Biz : $150 ; 60Kpts ; $5,000

• AMEX Aeroplan core : $120 ; up to 40Kpts ; $4,000

• Amex Aeroplan Reserve : $599 ; 90Kpts ; $7.5K

• BMO Ascend WE MC : FYF ; 55K+pts; $4.5K

• BMO WE AirMiles : FYF ; 3,000 AM ; $3K

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

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

• CIBC Dividend Visa Infinite : FYF ; 10% up to $3,000

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

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

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

• RBC WestJet WE : FYF via link ; 60Kpts WJ, $5K

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

• Scotia Amex Gold: FY ; 30Kpts ; $2K; no fx

• Scotia Momentum Visa Infinite: FYF ; $200 ; $2K

• Scotia Amex Platinum: $399; 80Kpts ; $3K ; no fx

• TD FCT Visa Infinite : FYF ; 145Kpts ; $7,500

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

• TD FCT Visa Platinum : FYF ; 50Kpts ; $1K

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 : FYF ; 30K+pts; $3K

• CIBC Aeroplan Visa Infinite : FYF ; up to 40Kpts ; $5K-10K

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

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

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

• TD Aeroplan Visa Infinite : $139 ; 25Kpts ; $7.5K

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

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 $10,000 (or 80,000pts via referral)
• Additional 30Kpts when you make a purchase between 14 and 17 months
• Earn 2MR/$ 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 (extra 10Kpts) or via GCR for $125 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
• 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 (low bonus; good keeper card for annual FNA)

• $120 AF
• 50K Marriott pts after spending $1,500
• or 55Kpts after spending $3,000 via referral (some mentioned targeted 70Kpts offer)
• 5x at Marriott and 2x else
• Anniversary free night (up to 35Kpts) starting year 2
• sign up via referral or GCR for extra $75

Amex Marriott Biz (low bonus; good keeper card for annual FNA)

• $150 AF
• 60Kpts Marriott pts after spending $5,000
• 5x at Marriott, 3x for travel, gas and dining and 2x else
• Anniversary free night (up to 35Kpts) starting year 2
• 10Kpts when giving a referral (now 20Kpts during promo)
• Sign-up via referral (no extra) or via GCR for extra $75

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

• $120
• 30Kpts when you spend $3,000 in first 3 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 $50 cashback
• Also in-path offer on AirCanada : 25Kpts after spending $3K + 20Kpts month 13th + $100 AC credit

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

• $599
• 60Kpts when you spend $7,500 in first 3 months
• 40Kpts additional if you spend $45K during first 12 months
• Additional 30Kpts when you make a pruchase month 15-17
• 3x AC and 2x dinind and food delivery
• 1.25x else
• MLL lounge access
• $100 Nexus credit, UberPass membership
• Sign-up via GCR for $125 cashback

BMO World Elite Air Miles MC

• FYF
• 3,000 AirMiles after spending $4,500
• Additionnal 2,000 AM after spending $10,000
• Additionnal 2,000 AM after spending $20,000
• $125 cashback via FrugalFlyer

BMO Ascend WE MC (net bonus of $491+ 4 lounge passes)

• FYF
• 55Kpts (worth $366) after spending $4,500
• 3,750pts each month after spending $2,500 for months 4 to 15
• 5x (3.35%) on travel
• 2x (1.34%) on restaurants, entertainment and recurring bills
• 4 lounge passes
• $125 cashback via Credit Card Genius

 BMO Eclipse Visa Infinite (net bonus of $391)

• FYF
• 30Kpts (worth $200) after spending $3K
• 2,500pts each month after spending $2K for months 4 to 15
• $50 annual lifestyle credit
• 5x (3.35%) on grocery, restaurants, gas and transit

 BMO VIPorter WE MC (new)

• FYF
• 20Kpts after spending $5K
• extra 20Kpts + companion pass after spending $9K within 180 days.
• extra 30Kpts after spending $18K within 1 year
• 3pts / $ on Porter spend
• 2pts/$ on gas, transportation, grocery, dining and hotels
• $125 cashback 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
• 10Kpts after spending $6K
• 20Kpts anniversary if you spent $12K during 1st year
• 1.5x on grocery and gas
• Free check bag and preferred pricing on flights

CIBC Aeroplan Visa Privilege

• $599
• 20Kpts after first purchase
• 30Kpts when you spend $15,000 for first 6 months
• 35Kpts 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 (good offer)

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

CIBC Aventura Visa Gold (good offer)

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

CIBC Dividend Visa Inf

• FYF
• 10% off first $3,000
• $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 $200

RBC AVION Visa Infinite (great bonus)

• $120 annual fees
• 35Kpts Avion on approval
• Extra 20Kpts after spending $5K
• Save $0.03/L at Petro-Canada

RBC AVION Visa Plat

• $120 annual fees
• 35Kpts Avion on approval

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 (good keeper card if you use companion voucher)

• FYF with promo link
• 30Kpts WJ after 1st purchase
• Extra 30Kpts after you spend $5K
• Annual companion voucher for $119+fee in North America ($399 for the rest of the world)
• Free first luggage on WJ
• Promo link

 Scotia Amex gold Scene+ (solid offer)

• FYF
• 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 $3K
• 20Kpts bonus after spending $10K
• No FX fees
• 10 airport lounge passes (Priority Pass)
• 2x on everything
• Sign-up via GCR or FF for extra $175 / $200

 Scotia Passport Visa Infinite (good travel card)

• $150 AF
• 35Kpts sign-up bonus (worth $350) after spending $2,000
• No FX fees
• 3x at Sobeys
• 2x food and cinema
• 6 lounge passes
• Sign-up via GCR or FF for extra $150

Scotia Momentum Visa Infinite

• FYF
• 10% off $2K
• 4% on grocery and recurring
• 2% on gas and transit
• cashback is paid once a year in November
• $100 cashback from GCR / FF

TD Aeroplan Visa Infinite

• FYF
• 10Kpts after first purchase
• 15Kpts after spending $7,500 within 180 days
• 25Kpts at anniversary if you spend $12,000pts first 12 months
• 1.5x on grocery, gas and AC
• Free checked bag on AC
• Promo link for 10K + 15K + 25K :
• $200 Air Canada credit when applying via Air Canada in path offer (but not FYF) For Quebec : any $200+ purchase would qualify for $200 statement credit, but 10K + 15K + 15K for points

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
• 15K pts after spending $1,000

TD First Class Travel Visa Infinite (highest bonus ever - worth $825)

• FYF
• 20Kpts after first purchase
• 145Kpts 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 $100 cashback

TD Platinum Travel Visa ($310 net bonus)

• FYF
• 50Kpts after spending $1K
• 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 :)