10 Best Credit Cards in Canada - October 2026

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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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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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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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BMO eclipse Visa Infinite* Card

BMO BMO Rewards First-Year Annual Fee Rebate

Annual feeNo annual fee the first year: $0 $120
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$469Annual fee rebated$120Total$589Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $589
Welcome offerAfter $12,000 in 12 months: Up to 70,000 points

Features
Issuer: BMO
Network
Loyalty Program: BMO Rewards

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

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Rewards: Rate
Transit: 5x
Gas & EV: 5x
Restaurants: 5x
Groceries: 5x

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Marriott Bonvoy® American Express®* Card

Amex Marriott Bonvoy

Annual fee: $120
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$600Total$600Plus $100 of bonus paid after the first year, not counted in this total.Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $600
Welcome offerAfter $3,000 in 3 months: Up to 70,000 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: 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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RBC Avion Visa Infinite Business Card

Business RBC RBC Avion Rewards - Elite First-Year Annual Fee Rebate

Annual feeNo annual fee the first year: $0 $175
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$1,700Annual fee rebated$175Total$1,875Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $1,875
Welcome offerAfter $15,000 in 6 months: Up to 100,000 points; Ends Nov 30, 2026

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

Fees and terms
Annual Fee: $175/yr
Min. annual income: $60,000+

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TD® Aeroplan® Visa Infinite Privilege* Credit Card

TD Aeroplan

Annual fee: $599
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$2,000Annual credit$100Total$2,100Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $2,100
Welcome offerAfter $24,000 in 12 months: Up to 100,000 points

Features
Issuer: TD
Network
Loyalty Program: Aeroplan

Fees and terms
Annual Fee: $599/yr
Min. annual income: $150,000+

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Rewards: Rate
Air Canada flights: 2x
Restaurants: 1.5x
Groceries: 1.5x
Travel: 1.5x
Transit: 1.5x
Gas & EV: 1.5x

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CIBC® Aeroplan® Visa Infinite Privilege* Card

CIBC Aeroplan

Annual fee: $599
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$2,000Total$2,000Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $2,000
Welcome offerAfter $25,000 in 12 months: Up to 100,000 points

Features
Issuer: CIBC
Network
Loyalty Program: Aeroplan

Fees and terms
Annual Fee: $599/yr
Min. annual income: $150,000+

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Rewards: Rate
Air Canada flights: 2x
Groceries: 1.5x
Pharmacy: 1.5x
Gas & EV: 1.5x

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RBC Avion Visa Infinite Privilege Card

RBC RBC Avion Rewards - Elite

Annual fee: $399
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$1,700Total$1,700Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $1,700
Welcome offerAfter $5,000 in 6 months: Up to 100,000 points; Ends Nov 25, 2026

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

Fees and terms
Annual Fee: $399/yr
Min. annual income: $200,000+

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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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