FR
FR
FRBest Credit Cards
Ranking 2026 · Updated September 2026

5 Best Credit Cards in Canada

Our selection of the best credit cards in Canada, ranked by first-year value. Compare fees, rewards, welcome bonuses and insurance.

5cards selected·out of201in catalog
Best Cards1st Yr FreeCash BackTravelGroceriesGas & EVBusinessLow Interest
National Bank World Elite Mastercard
Apply NowView Details
National Bank World Elite® Mastercard®
National BankNBC RewardsFirst-Year Annual Fee Rebate
Annual fee
$150 $0
Base Rewards Rate
1x

NBC Rewards

Our valuation
$300

Milesopedia estimatePlus the advantages you get from year one: rebated annual fee and annual credits. Rewards on your spending are not counted here — set your profile in the calculator below to add them.

Welcome offer
First Year Annual Fee Rebate

$150 annual fee rebated

Ends Nov 4, 2026

Scotiabank Passport® Visa Infinite +* Card
Apply NowView Details
Scotiabank Passport® Visa Infinite +* Card
ScotiaScene+
Annual fee
$150
Base Rewards Rate
1x

Scene+

Our valuation
$350

Milesopedia estimatePlus the advantages you get from year one: rebated annual fee and annual credits. Rewards on your spending are not counted here — set your profile in the calculator below to add them.

Welcome Bonus
35,000 points

(Up to)

Ends Nov 1, 2026

TD First Class Travel Visa Infinite Card
Apply NowView Details
TD First Class Travel® Visa Infinite* Card
TDTD RewardsFirst-Year Annual Fee Rebate
Annual fee
$139 $0
Base Rewards Rate
2x

TD Rewards

Our valuation
$1,039

Milesopedia estimatePlus the advantages you get from year one: rebated annual fee and annual credits. Rewards on your spending are not counted here — set your profile in the calculator below to add them.

Welcome Bonus
160,000 points

† + First Year Annual Fee Rebate

(Up to)

American Express Cobalt Card
Apply NowView Details
American Express Cobalt® Card
AmexAmex Membership Rewards
Annual fee
$191.88
Base Rewards Rate
1x

Amex Membership Rewards

Our valuation
$255

Milesopedia estimatePlus the advantages you get from year one: rebated annual fee and annual credits. Rewards on your spending are not counted here — set your profile in the calculator below to add them.

Welcome Bonus
15,000 points

(Up to)

BMO eclipse Visa Infinite Card
Apply NowView Details
BMO eclipse Visa Infinite* Card
BMOBMO RewardsFirst-Year Annual Fee Rebate
Annual fee
$120 $0
Base Rewards Rate
1x

BMO Rewards

Our valuation
$589

Milesopedia estimatePlus the advantages you get from year one: rebated annual fee and annual credits. Rewards on your spending are not counted here — set your profile in the calculator below to add them.

Welcome Bonus
70,000 points

+ First Year Annual Fee Rebate*

(Up to)

Next step

Find your perfect card

Explore our category comparisons, or calculate which card's rewards actually match your budget.

Compare all cards →

Browse by category

By category

TravelCash Back1st Yr FreeGroceriesGas & EVBusinessLow InterestAll categories

By program

AeroplanAmex Membership RewardsMarriott BonvoyScene+RBC AvionPC OptimumBMO Blue RewardsAll programs

By institution

American ExpressBMONational BankCIBCRBCScotiabankTDAll institutions