RateBuddyCredit card guide MAX POINTS

Best Rewards Credit Cards in Canada

Fact checked
Rewards focus
Everyday value

RateBuddy Card InsightEditorial reviewed Sep 12, 2026

Rewards should match your life, not just the card brochure

A great rewards card depends on where you spend, how you redeem, and whether the annual fee makes sense. RateBuddy helps organize points, welcome offers, earning categories, redemption flexibility, and everyday value so you can compare rewards cards with less guesswork.

What to look at first

Earn rates by spending category
Redemption options and flexibility
Annual fee and bonus value
Everyday usefulness after promotions end

RateBuddyOFFERS AT A GLANCE

Best Credit Card Offers — October 2026

Get Ratebuddy Cash Rebate $200 RateBuddy rebate

Scotiabank®

Scotiabank® Gold American Express® Card

Featured

How RateBuddy estimates this value A transparent first-year snapshot

Welcome-offer value Advertised value estimate, subject to eligibility and provider requirements $950

Estimated rewards from spending Based on $1,500 in monthly spending $0

First-year annual fee Fee charged during the first year $120

Estimated first-year card value Welcome value + spending rewards − first-year fee $830

View spending and reward-rate details

Spending category	Monthly spend	Rate	Annual value
Groceries	$450	0%	$0
Dining	$300	0%	$0
Gas and transit	$150	0%	$0
Travel	$75	0%	$0
Recurring bills	$75	0%	$0
Other purchases	$450	0%	$0

RateBuddy cash rebate This separate rebate is not included in the card value or ranking above. +$200

Potential first-year value with RateBuddy rebate $1,030

Estimate notes

No usable reward rate is configured, so spending rewards were not estimated.

This is an estimate, not a guaranteed cash return. Actual value depends on spending, eligibility, redemption choices and meeting the provider’s offer terms. Reward rates are treated as estimated cash-equivalent percentages.

Earn up to $950 in welcome offers, first-year rewards and savings value, including up to 50,000 bonus Scene+ points.

Welcome bonus (up to): $950

RateBuddy rebate: $200

Get from RateBuddy$200

Rebate ends Oct 31, 2026

Get this offer View Offer Learn more

TD Canada Trust

TD Aeroplan Visa Infinite Privilege Credit Card

How RateBuddy estimates this value A transparent first-year snapshot

Welcome-offer value Advertised value estimate, subject to eligibility and provider requirements $3,000

Estimated rewards from spending Based on $1,500 in monthly spending $258.75

First-year annual fee Fee charged during the first year $599

Estimated first-year card value Welcome value + spending rewards − first-year fee $2,659.75

View spending and reward-rate details

Spending category	Monthly spend	Rate	Annual value
Groceries	$450	1.5%	$81
Dining	$300	1.5%	$54
Gas and transit	$150	1.5%	$27
Travel	$75	2%	$18
Recurring bills	$75	1.25%	$11.25
Other purchases	$450	1.25%	$67.50

Earn up to 85,000 Aeroplan points ($3,000 estimated value).

Details

Earn up to $3,000 in value, including up to 85,000 points. Get 20,000 points on first purchase. Earn an additional 35,000 points after spending $12,000 within 180 days. Earn an anniversary bonus of 30,000 points after spending $24,000 within 12 months.

View Offer Learn more

Get Ratebuddy Cash Rebate $200 RateBuddy rebate

Scotiabank®

Scotiabank® Platinum American Express® Card

How RateBuddy estimates this value A transparent first-year snapshot

Welcome-offer value Advertised value estimate, subject to eligibility and provider requirements $3,000

Estimated rewards from spending Based on $1,500 in monthly spending $0

First-year annual fee Fee charged during the first year $399

Estimated first-year card value Welcome value + spending rewards − first-year fee $2,601

View spending and reward-rate details

Spending category	Monthly spend	Rate	Annual value
Groceries	$450	0%	$0
Dining	$300	0%	$0
Gas and transit	$150	0%	$0
Travel	$75	0%	$0
Recurring bills	$75	0%	$0
Other purchases	$450	0%	$0

RateBuddy cash rebate This separate rebate is not included in the card value or ranking above. +$200

Potential first-year value with RateBuddy rebate $2,801

Estimate notes

No usable reward rate is configured, so spending rewards were not estimated.

Earn up to $3,000 in value in the first 14 months, including up to 100,000 bonus Scene+ points.*

Welcome bonus (up to): $3,000

RateBuddy rebate: $200

Get from RateBuddy$200

Rebate ends Oct 31, 2026

Get this offer View Offer Learn more

Get up to $2,600 in first-year value, including up to 40,000 bonus Scene+ points. Conditions apply.

Scotiabank®

Scotiabank Passport® Visa Infinite Business* Card

How RateBuddy estimates this value A transparent first-year snapshot

Welcome-offer value Advertised value estimate, subject to eligibility and provider requirements $2,600

Estimated rewards from spending Based on $1,500 in monthly spending $0

First-year annual fee Fee charged during the first year $199

Estimated first-year card value Welcome value + spending rewards − first-year fee $2,401

View spending and reward-rate details

Spending category	Monthly spend	Rate	Annual value
Groceries	$450	0%	$0
Dining	$300	0%	$0
Gas and transit	$150	0%	$0
Travel	$75	0%	$0
Recurring bills	$75	0%	$0
Other purchases	$450	0%	$0

Estimate notes

No usable reward rate is configured, so spending rewards were not estimated.

Earn up to 40,000 bonus Scene+ points with qualifying spending, included in up to $2,600 in advertised first-year savings and reward value. Conditions apply. Welcome offer ends Oct 31, 2026

View Offer Learn more

TD Canada Trust

TD Aeroplan Visa Business Card

How RateBuddy estimates this value A transparent first-year snapshot

Welcome-offer value Advertised value estimate, subject to eligibility and provider requirements $1,900

Estimated rewards from spending Based on $1,500 in monthly spending $211.50

First-year annual fee $149 first-year fee waiver applied ~~$149~~ $0

Estimated first-year card value Welcome value + spending rewards − first-year fee $2,111.50

View spending and reward-rate details

Spending category	Monthly spend	Rate	Annual value
Groceries	$450	1%	$54
Dining	$300	1.5%	$54
Gas and transit	$150	1%	$18
Travel	$75	2%	$18
Recurring bills	$75	1.5%	$13.50
Other purchases	$450	1%	$54

Earn up to 60,000 Aeroplan points + First-year fee waived for you and 2 employees.

Details

Earn up to $1,900 in value. 10,000 pts on first purchase; 30,000 pts after spending $15k in 180 days; 20,000 pts after spending $25k in 365 days. Plus, a first-year annual fee rebate for the Primary Business Cardholder and first two Additional Cardholders.

View Offer Learn more

TD Canada Trust

TD First Class Travel Visa Infinite Card

How RateBuddy estimates this value A transparent first-year snapshot

Welcome-offer value Advertised value estimate, subject to eligibility and provider requirements $1,400

Estimated rewards from spending Based on $1,500 in monthly spending $396

First-year annual fee $139 first-year fee waiver applied ~~$139~~ $0

Estimated first-year card value Welcome value + spending rewards − first-year fee $1,796

View spending and reward-rate details

Spending category	Monthly spend	Rate	Annual value
Groceries	$450	3%	$162
Dining	$300	3%	$108
Gas and transit	$150	1%	$18
Travel	$75	4%	$36
Recurring bills	$75	2%	$18
Other purchases	$450	1%	$54

Earn up to 165,000 TD Rewards Points + First-year fee waived.

Details

Earn up to $1,400 in value. Earn 20,000 points on your first purchase. Earn 145,000 points when you spend $7,500 within 180 days. Plus, get a first-year annual fee rebate.

View Offer Learn more

TD Aeroplan Visa Infinite Privilege Credit Card

Annual fee $599

Purchase APR 21.99%

Cash advance 22.99%

TD Canada Trust

Best for Travel Rewards Premium Rewards

TD Aeroplan Visa Infinite Privilege Credit Card

Best for Travel Rewards Premium Rewards

How RateBuddy estimates this value A transparent first-year snapshot

Welcome-offer value Advertised value estimate, subject to eligibility and provider requirements $3,000

Estimated rewards from spending Based on $1,500 in monthly spending $258.75

First-year annual fee Fee charged during the first year $599

Estimated first-year card value Welcome value + spending rewards − first-year fee $2,659.75

View spending and reward-rate details

Spending category	Monthly spend	Rate	Annual value
Groceries	$450	1.5%	$81
Dining	$300	1.5%	$54
Gas and transit	$150	1.5%	$27
Travel	$75	2%	$18
Recurring bills	$75	1.25%	$11.25
Other purchases	$450	1.25%	$67.50

Rewards program Aeroplan

Metal card

Earn up to 85,000 Aeroplan points ($3,000 estimated value). Earn up to $3,000 in value, including up to 85,000 points. Get 20,000 points on first purchase. Earn an additional 35,000 points after spending $12,000 within 180 days. Earn an anniversary bonus of 30,000 points after spending $24,000 within 12 months.

Card highlights

Airport Lounge Access Travel Medical Insurance Free Checked bag Mobile Device Insurance Car Rental Collision/Loss Damage Waiver Trip Cancellation/Interruption Insurance

Card essentials

Rates, fees and requirements

The important numbers, organized so they are easy to scan and compare.

Annual fee $599 Primary cardholder

Purchase APR 21.99% Regular purchase rate

Cash advance APR 22.99% Cash transaction rate

Balance transfer APR — When available

Foreign transaction fee — Foreign-currency purchases

Additional card fee $199 Supplementary cardholder

Before you apply

Eligibility snapshot

Recommended credit score —

Minimum personal income $150,000

Minimum household income $200,000

Approval, rates and credit limits are determined by the card provider.

View Terms & Conditions

Get Ratebuddy Cash Rebate: $200

Scotiabank® Platinum American Express® Card

Annual fee $399

Purchase APR 9.99%

Cash advance 9.99%

Scotiabank®

Best for Travel Rewards Low Interest Premium

Scotiabank® Platinum American Express® Card

Best for Travel Rewards Low Interest Premium

RateBuddy 4.80

How RateBuddy estimates this value A transparent first-year snapshot

Welcome-offer value Advertised value estimate, subject to eligibility and provider requirements $3,000

Estimated rewards from spending Based on $1,500 in monthly spending $0

First-year annual fee Fee charged during the first year $399

Estimated first-year card value Welcome value + spending rewards − first-year fee $2,601

View spending and reward-rate details

Spending category	Monthly spend	Rate	Annual value
Groceries	$450	0%	$0
Dining	$300	0%	$0
Gas and transit	$150	0%	$0
Travel	$75	0%	$0
Recurring bills	$75	0%	$0
Other purchases	$450	0%	$0

RateBuddy cash rebate This separate rebate is not included in the card value or ranking above. +$200

Potential first-year value with RateBuddy rebate $2,801

Estimate notes

No usable reward rate is configured, so spending rewards were not estimated.

Rewards program Scene+

Get $200 Ratebuddy Cash rebate Offer expires Oct 31, 2026

Earn up to $3,000 in value in the first 14 months, including up to 100,000 bonus Scene+ points.* Earn up to $3,000 in value during the first 14 months, including up to 100,000 bonus Scene+ points. Reaching the maximum advertised value and bonus-point amount is subject to applicable offer requirements, eligibility restrictions and conditions.*

View Offer Get $200 Rebate & Apply

Secure. Apply on Scotiabank®’s site.

Learn More

Card highlights

No Foreign Transaction Fees Airport Lounge Access Travel Medical Insurance Mobile Device Insurance Trip Cancellation/Interruption Insurance Extended Warranty Insurance

Card essentials

Rates, fees and requirements

The important numbers, organized so they are easy to scan and compare.

Annual fee $399 Primary cardholder

Purchase APR 9.99% Regular purchase rate

Cash advance APR 9.99% Cash transaction rate

Balance transfer APR — When available

Foreign transaction fee 0% Foreign-currency purchases

Additional card fee $99 Supplementary cardholder

Before you apply

Eligibility snapshot

Recommended credit score —

Minimum personal income $12,000

Minimum household income —

Approval, rates and credit limits are determined by the card provider.

View Terms & Conditions

Scotiabank Passport® Visa Infinite Business* Card

Annual fee $199

Purchase APR 20.99%

Cash advance 22.99%

Scotiabank®

Best for Travel Rewards Business Premium

Scotiabank Passport® Visa Infinite Business* Card

Best for Travel Rewards Business Premium

RateBuddy 4.50

How RateBuddy estimates this value A transparent first-year snapshot

Welcome-offer value Advertised value estimate, subject to eligibility and provider requirements $2,600

Estimated rewards from spending Based on $1,500 in monthly spending $0

First-year annual fee Fee charged during the first year $199

Estimated first-year card value Welcome value + spending rewards − first-year fee $2,401

View spending and reward-rate details

Spending category	Monthly spend	Rate	Annual value
Groceries	$450	0%	$0
Dining	$300	0%	$0
Gas and transit	$150	0%	$0
Travel	$75	0%	$0
Recurring bills	$75	0%	$0
Other purchases	$450	0%	$0

Estimate notes

No usable reward rate is configured, so spending rewards were not estimated.

Rewards program Scene+

Earn up to 40,000 bonus Scene+ points with qualifying spending, included in up to $2,600 in advertised first-year savings and reward value. Conditions apply. Open an eligible new account from May 1 to October 31, 2026. Earn 30,000 bonus Scene+ points after $5,000 in eligible purchases posts within three months, plus 10,000 after $60,000 posts within 12 months. Bonuses generally arrive within approximately eight weeks after qualification; the account must remain open and in good standing. Current Scotiabank business cardholders and those who held a primary or secondary business card within the previous two years are excluded. Terms and conditions apply. Expires Oct 31, 2026

Card highlights

No Foreign Transaction Fees Airport Lounge Access Travel Medical Insurance Car Rental Collision/Loss Damage Waiver Trip Cancellation/Interruption Insurance Extended Warranty Insurance

Card essentials

Rates, fees and requirements

The important numbers, organized so they are easy to scan and compare.

Annual fee $199 Primary cardholder

Purchase APR 20.99% Regular purchase rate

Cash advance APR 22.99% Cash transaction rate

Balance transfer APR 22.99% When available

Foreign transaction fee 0% Foreign-currency purchases

Additional card fee $50 Supplementary cardholder

Before you apply

Eligibility snapshot

Recommended credit score —

Minimum personal income $60,000

Minimum household income $100,000

Approval, rates and credit limits are determined by the card provider.

View Terms & Conditions

Annual fee $149$0 First year waived

Purchase APR 14.99%

Cash advance 22.99%

TD Canada Trust

Best for Travel Rewards Business Rewards

TD Aeroplan Visa Business Card

Best for Travel Rewards Business Rewards

How RateBuddy estimates this value A transparent first-year snapshot

Welcome-offer value Advertised value estimate, subject to eligibility and provider requirements $1,900

Estimated rewards from spending Based on $1,500 in monthly spending $211.50

First-year annual fee $149 first-year fee waiver applied ~~$149~~ $0

Estimated first-year card value Welcome value + spending rewards − first-year fee $2,111.50

View spending and reward-rate details

Spending category	Monthly spend	Rate	Annual value
Groceries	$450	1%	$54
Dining	$300	1.5%	$54
Gas and transit	$150	1%	$18
Travel	$75	2%	$18
Recurring bills	$75	1.5%	$13.50
Other purchases	$450	1%	$54

Rewards program Aeroplan

First year free

Earn up to 60,000 Aeroplan points + First-year fee waived for you and 2 employees. Earn up to $1,900 in value. 10,000 pts on first purchase; 30,000 pts after spending $15k in 180 days; 20,000 pts after spending $25k in 365 days. Plus, a first-year annual fee rebate for the Primary Business Cardholder and first two Additional Cardholders.

Card highlights

Travel Medical Insurance First-Year Fee Waived Free Checked bag Mobile Device Insurance Car Rental Collision/Loss Damage Waiver Trip Cancellation/Interruption Insurance

Card essentials

Rates, fees and requirements

The important numbers, organized so they are easy to scan and compare.

Annual fee $0 first year Then $149 annually

Purchase APR 14.99% Regular purchase rate

Cash advance APR 22.99% Cash transaction rate

Balance transfer APR — When available

Foreign transaction fee — Foreign-currency purchases

Additional card fee $49 Supplementary cardholder

Before you apply

Eligibility snapshot

Recommended credit score —

Minimum personal income —

Minimum household income —

Approval, rates and credit limits are determined by the card provider.

View Terms & Conditions

TD First Class Travel Visa Infinite Card

Annual fee $139$0 First year waived

Purchase APR 21.99%

Cash advance 22.99%

TD Canada Trust

Best for Travel Rewards Rewards

TD First Class Travel Visa Infinite Card

Best for Travel Rewards Rewards

How RateBuddy estimates this value A transparent first-year snapshot

Welcome-offer value Advertised value estimate, subject to eligibility and provider requirements $1,400

Estimated rewards from spending Based on $1,500 in monthly spending $396

First-year annual fee $139 first-year fee waiver applied ~~$139~~ $0

Estimated first-year card value Welcome value + spending rewards − first-year fee $1,796

View spending and reward-rate details

Spending category	Monthly spend	Rate	Annual value
Groceries	$450	3%	$162
Dining	$300	3%	$108
Gas and transit	$150	1%	$18
Travel	$75	4%	$36
Recurring bills	$75	2%	$18
Other purchases	$450	1%	$54

Rewards program TD Rewards

First year free

Earn up to 165,000 TD Rewards Points + First-year fee waived. Earn up to $1,400 in value. Earn 20,000 points on your first purchase. Earn 145,000 points when you spend $7,500 within 180 days. Plus, get a first-year annual fee rebate.

Card highlights

Airport Lounge Access Travel Medical Insurance First-Year Fee Waived Mobile Device Insurance Car Rental Collision/Loss Damage Waiver Trip Cancellation/Interruption Insurance

Card essentials

Rates, fees and requirements

The important numbers, organized so they are easy to scan and compare.

Annual fee $0 first year Then $139 annually

Purchase APR 21.99% Regular purchase rate

Cash advance APR 22.99% Cash transaction rate

Balance transfer APR — When available

Foreign transaction fee — Foreign-currency purchases

Additional card fee $50 Supplementary cardholder

Before you apply

Eligibility snapshot

Recommended credit score —

Minimum personal income $60,000

Minimum household income $100,000

Approval, rates and credit limits are determined by the card provider.

View Terms & Conditions

Annual fee $199$0 First year waived

Purchase APR 21.99%

Cash advance 23.99%

BMO Bank of Montreal

Best for Travel Rewards Premium Rewards

BMO VIPorter World Elite Mastercard

Best for Travel Rewards Premium Rewards

How RateBuddy estimates this value A transparent first-year snapshot

Welcome-offer value Advertised value estimate, subject to eligibility and provider requirements $1,400

Estimated rewards from spending Based on $1,500 in monthly spending $306

First-year annual fee $199 first-year fee waiver applied ~~$199~~ $0

Estimated first-year card value Welcome value + spending rewards − first-year fee $1,706

View spending and reward-rate details

Spending category	Monthly spend	Rate	Annual value
Groceries	$450	2%	$108
Dining	$300	2%	$72
Gas and transit	$150	2%	$36
Travel	$75	3%	$27
Recurring bills	$75	1%	$9
Other purchases	$450	1%	$54

First year free

Up to $2,400 in value including 70,000 VIPorter points and a round-trip companion pass

Card highlights

Airport Lounge Access Travel Medical Insurance First-Year Fee Waived Car Rental Collision/Loss Damage Waiver Trip Cancellation/Interruption Insurance Extended Warranty Insurance

Card essentials

Rates, fees and requirements

The important numbers, organized so they are easy to scan and compare.

Annual fee $0 first year Then $199 annually

Purchase APR 21.99% Regular purchase rate

Cash advance APR 23.99% Cash transaction rate

Balance transfer APR — When available

Foreign transaction fee — Foreign-currency purchases

Additional card fee — Supplementary cardholder

Before you apply

Eligibility snapshot

Recommended credit score —

Minimum personal income $80,000

Minimum household income $150,000

Approval, rates and credit limits are determined by the card provider.

View Terms & Conditions

Annual fee $139$0 First year waived

Purchase APR 21.99%

Cash advance 22.99%

TD Canada Trust

Best for Travel Rewards Rewards

TD Aeroplan Visa Infinite Card

Best for Travel Rewards Rewards

How RateBuddy estimates this value A transparent first-year snapshot

Welcome-offer value Advertised value estimate, subject to eligibility and provider requirements $1,450

Estimated rewards from spending Based on $1,500 in monthly spending $220.50

First-year annual fee $139 first-year fee waiver applied ~~$139~~ $0

Estimated first-year card value Welcome value + spending rewards − first-year fee $1,670.50

View spending and reward-rate details

Spending category	Monthly spend	Rate	Annual value
Groceries	$450	1.5%	$81
Dining	$300	1%	$36
Gas and transit	$150	1.5%	$27
Travel	$75	1.5%	$13.50
Recurring bills	$75	1%	$9
Other purchases	$450	1%	$54

Rewards program Aeroplan

First year free

Earn up to 45,000 Aeroplan points + First-year fee waived. Earn up to $1,450 in value. Get 10,000 points on first purchase. Get 15,000 points after spending $3,000 in 90 days. Get an anniversary bonus of 20,000 points after spending $12,000 in 12 months. Plus, get a first-year annual fee rebate.

Card highlights

Travel Medical Insurance First-Year Fee Waived Free Checked bag Mobile Device Insurance Car Rental Collision/Loss Damage Waiver Trip Cancellation/Interruption Insurance

Card essentials

Rates, fees and requirements

The important numbers, organized so they are easy to scan and compare.

Annual fee $0 first year Then $139 annually

Purchase APR 21.99% Regular purchase rate

Cash advance APR 22.99% Cash transaction rate

Balance transfer APR — When available

Foreign transaction fee — Foreign-currency purchases

Additional card fee $75 Supplementary cardholder

Before you apply

Eligibility snapshot

Recommended credit score —

Minimum personal income $60,000

Minimum household income $100,000

Approval, rates and credit limits are determined by the card provider.

View Terms & Conditions

Annual fee $149$0 First year waived

Purchase APR 19.99%

Cash advance 22.99%

TD Canada Trust

Best for Travel Rewards Business Rewards

TD Business Travel Visa Card

Best for Travel Rewards Business Rewards

How RateBuddy estimates this value A transparent first-year snapshot

Welcome-offer value Advertised value estimate, subject to eligibility and provider requirements $1,300

Estimated rewards from spending Based on $1,500 in monthly spending $337.50

First-year annual fee $149 first-year fee waiver applied ~~$149~~ $0

Estimated first-year card value Welcome value + spending rewards − first-year fee $1,637.50

View spending and reward-rate details

Spending category	Monthly spend	Rate	Annual value
Groceries	$450	1%	$54
Dining	$300	3%	$108
Gas and transit	$150	3%	$54
Travel	$75	4.5%	$40.50
Recurring bills	$75	3%	$27
Other purchases	$450	1%	$54

Rewards program TD Rewards

First year free

Earn up to 200,000 TD Rewards Points + First-year fee waived for you and 4 employees. Earn up to $1,300 in value. 30,000 pts on first purchase; 120,000 pts after spending $15k in 180 days; 30,000 pts after spending $25k in 365 days; 20,000 pts on your 15-month anniversary. Plus, a first-year annual fee rebate for the Primary Cardholder and first four Additional Cardholders.

Card highlights

Travel Medical Insurance First-Year Fee Waived Car Rental Collision/Loss Damage Waiver Trip Cancellation/Interruption Insurance Extended Warranty Insurance Purchase Security Insurance

Card essentials

Rates, fees and requirements

The important numbers, organized so they are easy to scan and compare.

Annual fee $0 first year Then $149 annually

Purchase APR 19.99% Regular purchase rate

Cash advance APR 22.99% Cash transaction rate

Balance transfer APR — When available

Foreign transaction fee — Foreign-currency purchases

Additional card fee $49 Supplementary cardholder

Before you apply

Eligibility snapshot

Recommended credit score —

Minimum personal income —

Minimum household income —

Approval, rates and credit limits are determined by the card provider.

View Terms & Conditions

BMO eclipse Visa Infinite Privilege Card

Annual fee $599

Purchase APR 21.99%

Cash advance 23.99%

BMO Bank of Montreal

Best for Travel Rewards Balance Transfer Premium

BMO eclipse Visa Infinite Privilege Card

Best for Travel Rewards Balance Transfer Premium

How RateBuddy estimates this value A transparent first-year snapshot

Welcome-offer value Advertised value estimate, subject to eligibility and provider requirements $1,500

Estimated rewards from spending Based on $1,500 in monthly spending $648

First-year annual fee Fee charged during the first year $599

Estimated first-year card value Welcome value + spending rewards − first-year fee $1,549

View spending and reward-rate details

Spending category	Monthly spend	Rate	Annual value
Groceries	$450	5%	$270
Dining	$300	5%	$180
Gas and transit	$150	5%	$90
Travel	$75	5%	$45
Recurring bills	$75	1%	$9
Other purchases	$450	1%	$54

Up to $2,300 including up to 200,000 points and NEXUS Statement Credit

Balance transfer: 0% Balance Transfer for 12 months (2% transfer fee).

Card highlights

Airport Lounge Access Travel Medical Insurance Mobile Device Insurance Car Rental Collision/Loss Damage Waiver Trip Cancellation/Interruption Insurance Extended Warranty Insurance

Card essentials

Rates, fees and requirements

The important numbers, organized so they are easy to scan and compare.

Annual fee $599 Primary cardholder

Purchase APR 21.99% Regular purchase rate

Cash advance APR 23.99% Cash transaction rate

Balance transfer APR — When available

Foreign transaction fee — Foreign-currency purchases

Additional card fee — Supplementary cardholder

Before you apply

Eligibility snapshot

Recommended credit score —

Minimum personal income $150,000

Minimum household income $200,000

Approval, rates and credit limits are determined by the card provider.

View Terms & Conditions

American Express Aeroplan Business Reserve Card

Annual fee $599

Purchase APR 21.99%

Cash advance 21.99%

American Express(Canada)

Best for Travel Rewards Business Premium

American Express Aeroplan Business Reserve Card

Best for Travel Rewards Business Premium

How RateBuddy estimates this value A transparent first-year snapshot

Welcome-offer value Advertised value estimate, subject to eligibility and provider requirements $1,800

Estimated rewards from spending Based on $1,500 in monthly spending $240.75

First-year annual fee Fee charged during the first year $599

Estimated first-year card value Welcome value + spending rewards − first-year fee $1,441.75

View spending and reward-rate details

Spending category	Monthly spend	Rate	Annual value
Groceries	$450	1.25%	$67.50
Dining	$300	1.25%	$45
Gas and transit	$150	1.25%	$22.50
Travel	$75	3%	$27
Recurring bills	$75	1.25%	$11.25
Other purchases	$450	1.25%	$67.50

Rewards program Aeroplan

Up to 90,000 Welcome Bonus Aeroplan points Includes Annual Worldwide Companion Pass and 1,000 Status Qualifying Credits.

Card highlights

Airport Lounge Access Travel Medical Insurance Free Checked bag Car Rental Collision/Loss Damage Waiver Trip Cancellation/Interruption Insurance Extended Warranty Insurance

Card essentials

Rates, fees and requirements

The important numbers, organized so they are easy to scan and compare.

Annual fee $599 Primary cardholder

Purchase APR 21.99% Regular purchase rate

Cash advance APR 21.99% Cash transaction rate

Balance transfer APR — When available

Foreign transaction fee — Foreign-currency purchases

Additional card fee $199 Supplementary cardholder

Before you apply

Eligibility snapshot

Recommended credit score —

Minimum personal income —

Minimum household income —

Approval, rates and credit limits are determined by the card provider.

View Terms & Conditions

Showing 10 of 30 cards

Get Ratebuddy Cash Rebate$125

Scotiabank®
Scotiabank® Passport® Visa Infinite +* Card
Credit card

Earn up to $1,250 in first-year welcome offers, rewards and savings,* including up to 35,000 bonus Scene+ points. Welcome offer ends Nov 1, 2026

Offer details
Open a new account between August 4 and November 1, 2026. Earn 25,000 bonus Scene+ points after at least $2,000 in eligible purchases are posted within the first three months. Plus, earn an annual 10,000-point bonus after at least $40,000 in eligible purchases during the applicable 12-month annual period. Points are generally credited approximately eight weeks after qualification. Eligibility restrictions and conditions apply.*

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Learn more about Scotiabank® Passport® Visa Infinite +* Card Apply now for Scotiabank® Passport® Visa Infinite +* Card (opens in a new tab)
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Scotiabank®
Scotiabank® Gold American Express® Card
Credit card

Earn up to $950 in welcome offers, first-year rewards and savings value, including up to 50,000 bonus Scene+ points.

Offer details
Earn up to $950 in combined welcome offers, first-year rewards and savings value, including up to 50,000 bonus Scene+ points. Eligibility restrictions and conditions apply.*

Get from RateBuddy$200Rebate ends Oct 31, 2026
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Learn more about Scotiabank® Gold American Express® Card Apply now for Scotiabank® Gold American Express® Card (opens in a new tab)
Get Exclusive Ratebuddy Cash Rebate$100

Neo Financial
Neo World Elite Mastercard
Credit card

Get a $100 welcome bonus. Plus, pay no annual fee for the first year—a $149 value. That’s up to $249 in direct first-year value before cashback. Conditions apply. Welcome offer ends Oct 12, 2026

Get from RateBuddy$100
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Learn more about Neo World Elite Mastercard Apply now for Neo World Elite Mastercard (opens in a new tab)
Get Ratebuddy Cash Rebate$75

Neo Financial
United® MileagePlus® Neo World Elite® Mastercard®
Credit card

Earn up to 25,000 MileagePlus miles (5,000 miles on card activation and first transaction and 15,000 miles when you spend $3,000 net of refunds within 3 months of application)

Offer details
Earn 5,000 miles on your first purchase, 15,000 miles after spending $3,000 in your first 3 months, and an annual 5,000-mile renewal bonus every year your account stays open.

Get from RateBuddy$75Rebate ends Oct 31, 2026
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Learn more about United® MileagePlus® Neo World Elite® Mastercard®Apply now for United® MileagePlus® Neo World Elite® Mastercard® (opens in a new tab)
Get Ratebuddy Cash Rebate$150

Scotiabank®
Scotiabank® Passport® Visa Infinite Privilege* Card
Credit card

Earn up to 80,000 bonus Scene+ points in your first 14 months—that’s up to $800 in value.*

Offer details
Earn up to 80,000 bonus Scene+ points within your first 14 months, providing up to $800 in value. Receiving the maximum bonus is subject to applicable offer requirements, eligibility restrictions and conditions.*

Get from RateBuddy$150Rebate ends Oct 31, 2026
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Learn more about Scotiabank® Passport® Visa Infinite Privilege* Card Apply now for Scotiabank® Passport® Visa Infinite Privilege* Card (opens in a new tab)
Ratebuddy Cash Rebate$60

Scotiabank®
Scotia Momentum® No-Fee Visa* Card
Credit card

Earn 5% cash back for the first 3 months, get a 0.99% balance-transfer rate for 9 months and pay no annual fee.*

Offer details
Earn 5% cash back on the first $2,000 in eligible purchases during the first three months, for up to $100 in promotional cash back. Plus, get a 0.99% introductory interest rate on balance transfers for the first nine months. A 2% fee per cash advance applies, and the standard 22.99% cash-advance rate applies afterward. The annual fee is $0 for primary and supplementary cards. Eligibility restrictions and conditions apply.*

Get from RateBuddy$60Rebate ends Oct 31, 2026
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Learn more about Scotia Momentum® No-Fee Visa* Card Apply now for Scotia Momentum® No-Fee Visa* Card (opens in a new tab)
Exclusive Ratebuddy Rebate$75

Scotiabank®
Scotia Momentum® Visa* Card
Credit card

Get a 0.99% introductory balance-transfer rate for the first 9 months.*

Offer details
Get a 0.99% introductory interest rate on balance transfers for the first nine months. A 2% fee per cash advance applies, and the standard 22.99% cash-advance rate applies after the promotional period. The annual fee is $49. Eligibility restrictions and conditions apply.*

Get from RateBuddy$75Rebate ends Oct 31, 2026
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Learn more about Scotia Momentum® Visa* Card Apply now for Scotia Momentum® Visa* Card (opens in a new tab)
Ratebuddy Cash Rebate$75

Neo Financial
Neo World Mastercard
Credit card

Get from RateBuddy$75
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Learn more about Neo World Mastercard Apply now for Neo World Mastercard (opens in a new tab)
Get Ratebuddy Cash Rebate$50

Scotiabank®
Scotiabank® American Express® Card
Credit card

Earn up to 10,000 bonus Scene+ points within your first 3 months—up to $100 toward travel.*

Offer details
Earn up to 10,000 bonus Scene+ points within your first three months. That is up to $100 in value when redeemed toward eligible travel. Eligibility restrictions and conditions apply.*

Get from RateBuddy$50Rebate ends Oct 31, 2026
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Learn more about Scotiabank® American Express® Card Apply now for Scotiabank® American Express® Card (opens in a new tab)
Exclusive Ratebuddy Cash Rebate$100

Scotiabank®
Scotiabank® Scene+™ Visa* Card
Credit card

Earn up to 5,000 bonus Scene+ points in your first 3 months.* Pay No Annual Fee. Welcome offer ends Nov 1, 2026

Offer details
Open a new Scotiabank® Scene+™ Visa* account between July 2 and November 1, 2026. Earn 2,500 bonus Scene+ points after $250 in eligible purchases within the first three months, plus another 2,500 points after reaching $1,000 in total eligible purchases during the same period. Points are generally credited approximately eight weeks after qualification if the account remains open and in good standing. Current or former primary or secondary Scotiabank personal credit-card holders within the past two years, card switchers and Scotiabank employees are not eligible. Other conditions apply.*

Get from RateBuddy$100Rebate ends Oct 31, 2026
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Learn more about Scotiabank® Scene+™ Visa* Card Apply now for Scotiabank® Scene+™ Visa* Card (opens in a new tab)

Wallet Optimization

Maximize Your Potential

Why use a generic card? Choosing a card that aligns with your spending habits could help you earn more value over time.

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Many cards offer higher earn rates on daily categories like groceries and gas. Maximize your return on money you already spend.

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Turn your purchases into flights or hotels. Look for cards with flexible redemption options or airline-specific benefits.

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You don’t always need to pay a fee to earn points. Discover cards that offer rewards value with $0 annual cost.

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Many issuers offer introductory bonuses for new applicants. Check the terms to see if you qualify for extra points.

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No data harvesting. We send you straight to the bank's secure official site.

Why Choose a Credit Card?

Beyond simple convenience, the right credit card offers a layer of consumer protection, financial leverage, and rewards that debit cards or cash simply cannot match.

Zero Liability Protection

Canadian credit cards come with robust federal protections against unauthorized transactions. Unlike cash, which is gone forever if lost, or debit cards which are directly linked to your bank funds, a credit card offers a buffer. If your card is used fraudulently, you are generally not held liable for those charges once reported. This keeps your actual bank account safe and liquid while the bank investigates the issue. It provides peace of mind in an era of increasing digital fraud.

Value-Added Rewards

Every purchase you make is an opportunity to earn a return on your spending. Whether you prefer travel points, merchandise, or cash back, using a credit card allows you to get value back on expenses you were going to pay anyway. Over the course of a year, a standard 1-2% reward rate can accumulate into hundreds of dollars in free groceries or flights. It is effectively a discount on your entire lifestyle, provided you pay your balance in full. Why pay full price with cash when you can earn a rebate with credit?

Building Credit History

Your credit score is your financial passport in Canada, dictating your ability to rent apartments, get a mortgage, or finance a car. Responsible credit card use is one of the most effective and fastest ways to establish this history. By using a card and paying it off on time every month, you demonstrate reliability to future lenders. A long, positive history with a credit card accounts for a significant portion of your credit score calculation. Without this history, obtaining major loans later in life can be difficult or much more expensive.

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The 21-Day Grace Period

Interest only kicks in if you carry a balance past the due date. Pay your statement balance in full every month, and you effectively get a free short-term loan for 21 days.

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Frequently Asked Questions

Common questions about Best Rewards Programs Cards and financial strategy.

Disclaimer: Information is for educational purposes only and does not constitute financial or legal advice. Terms subject to change by issuers.

If you close a credit card account, you may forfeit any unredeemed points associated directly with that card. However, if the points are held in a separate loyalty program account (like Aeroplan or Air Miles), they generally remain safe. Always check the forfeiture policy before closing an account.

For most personal credit cards, the Canada Revenue Agency (CRA) typically treats cash back as a 'discount' rather than income, meaning it is generally not taxable. However, rewards earned on business credit cards or through banking signup bonuses may be treated differently. RateBuddy recommends consulting a tax professional for your specific situation.

Some loyalty programs (like Aeroplan or Scene+) allow for points pooling or transfers between family members, sometimes for free and sometimes for a fee. Check the specific terms and conditions of your loyalty program to see if transfers are permitted.

It can be, depending on your usage. Premium cards with annual fees often come with higher reward earn rates, comprehensive insurance, and perks like lounge access. If the value of the rewards and benefits you utilize exceeds the cost of the fee, the card may offer a positive net value.

A cash advance occurs when you withdraw cash from an ATM using your credit card or transfer funds from the card to a bank account. These transactions typically incur a fee (e.g., $5) and interest starts accruing immediately (no grace period), often at a higher rate than purchases.

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