Best Canadian Credit Card Offers

Compare 33 cards by First-Year Value

Last updated: May 1, 2026

FYV = (welcome bonus × cpp ÷ 100) + best portal cashback − annual fee

We use community-consensus cents-per-point (cpp) valuations to convert different reward currencies into comparable dollar values. These are conservative estimates based on typical redemptions, not best-case scenarios.

Program cpp Notes
Aeroplan 1.5 Conservative transfer value
MR (Amex) 1.5 1:1 transfer to Aeroplan/Avios
Avion (RBC) 1.5 1:1 transfer to Avios/Asia Miles
Avios (BA) 1.5 Short-haul sweet spots
Scene+ 1 Fixed-value program
Aventura (CIBC) 1 CIBC travel portal
WestJet $ 1 1:1 dollar value
MBNA Rewards 1 Travel portal redemption
Marriott Bonvoy 0.8 Conservative hotel transfer
BMO Rewards 0.67 150 pts = $1 via portal
TD Rewards 0.5 Expedia4TD portal
Cashback 1 Dollar = dollar

CPP rates sourced from r/churningcanada community consensus, Prince of Travel, and Frugal Flyer. Only year-1 direct application bonuses are included in FYV. Anniversary and referral bonuses shown in card details.

Include in FYV

Filter by perk

Filter by bonus category

Showing 33 of 33 cards, sorted by name, sorted by annual fee, sorted by first-year value

No cards match your filters.

Top Picks

9 cards

Highest first-year value offers right now.

TD First Class Travel Visa Infinite

TD VISA

Up to

$950

Annual Fee

FYF

Welcome Bonus

20,000 - 165,000 pts

Est. Value

$825

Min. Spend

$7,500

GCR $25CCG $20

First-Year Value Breakdown

165,000 pts × 0.5 cpp $825
+ Best portal cashback +$25
+ $100 annual Expedia4TD credit +$100
First-Year Value $950

Bonus Breakdown

  • 20K points after first purchase
  • 145K points after $7,500 spend in 180 days
  • 10% anniversary bonus (max 10K points)

Year 1 Later

Earn Rates

Base: 2x 8x travel (Expedia for TD only) 6x grocery 6x dining 6x transit 4x recurring 4x streaming

Key Benefits

  • • $100 annual Expedia4TD credit for $500+ prepaid hotels
  • • Points are worth 0.5cpp at Expedia4TD or 0.4cpp Book on your own
  • • 4 annual lounge passes

Thank you for your report!

Your issue for has been submitted.

Card

TD First Class Travel Visa Infinite

0/350

BMO Eclipse Visa Infinite

BMO VISA

Up to

$934

Annual Fee

FYF

Welcome Bonus

30,000 - 70,000 pts

Est. Value

$469

Min. Spend

$4,000 - $12,000

CCG $125FF $175

First-Year Value Breakdown

70,000 pts × 0.67 cpp $469
+ Best portal cashback +$175
+ $50 annual lifestyle credit +$50
+ $20/month streaming credit (Y1 only) +$240
First-Year Value $934

Bonus Breakdown

  • 30K points after $4K spend within 110 days
  • 20K points after $7K spend within 180 days
  • 20K points after $12K spend in first 12 months

Year 1

Earn Rates

Base: 1x 5x grocery 5x dining 5x gas 5x transit

Key Benefits

  • • $50 annual lifestyle credit

Thank you for your report!

Your issue for has been submitted.

Card

BMO Eclipse Visa Infinite

0/350

Amex Business Gold

Amex AE BIZ

Up to

$891

Annual Fee

$199

Welcome Bonus

50,000 - 70,000 pts

Est. Value

$1,050

Min. Spend

$7,500 - $30,000

GCR $40

First-Year Value Breakdown

70,000 pts × 1.5 cpp $1,050
+ Best portal cashback +$40
− Annual fee −$199
First-Year Value $891

Bonus Breakdown

  • 50K MR after $7.5K spend in first 3 months
  • 20K MR after $30K spend in first 12 months

Year 1

Earn Rates

Base: 1x

How to Apply

GCR$40 (opens in new tab)
  • Referral: Referral bonus

Thank you for your report!

Your issue for has been submitted.

Card

Amex Business Gold

0/350

Amex Personal Platinum

Amex AE

Up to

$801

Annual Fee

$799

Welcome Bonus

70,000 pts

Est. Value

$1,050

Min. Spend

$10,000

GCR $50CCG $150FF $125

First-Year Value Breakdown

70,000 pts × 1.5 cpp $1,050
+ Best portal cashback +$150
− Annual fee −$799
+ $200 annual travel credit +$200
+ $200 annual dining credit +$200
First-Year Value $801

Bonus Breakdown

  • 70,000 MR points after $10,000 spend
  • 30K points for purchase between months 15-17

Year 1 Later

Earn Rates

Base: 1x 2x dining 2x travel

Key Benefits

  • • $200 annual travel credit
  • • $200 annual fine dining credit
  • • 70,000 MR points after $10,000 spend (or 80,000 via referral)
  • • Gold status at Marriott and Hilton
  • • Amex FHR access
  • • YYZ benefits
  • • Priority Pass with unlimited entries

Thank you for your report!

Your issue for has been submitted.

Card

Amex Personal Platinum

0/350

BMO Ascend World Elite MC

BMO MC

Up to

$795

Annual Fee

FYF

Welcome Bonus

45,000 - 100,000 pts

Est. Value

$670

Min. Spend

$5,000 - $20,000

CCG $125FF $125

First-Year Value Breakdown

100,000 pts × 0.67 cpp $670
+ Best portal cashback +$125
First-Year Value $795

Bonus Breakdown

  • 45K points after $5K spend within 110 days
  • 20K points after $10K spend within 180 days
  • 35K points after $20K spend within 365 days

Year 1

Earn Rates

Base: 1x 5x travel 3x dining 3x recurring

Key Benefits

  • • Dragon Pass + 4 passes

Thank you for your report!

Your issue for has been submitted.

Card

BMO Ascend World Elite MC

0/350

Amex Personal Gold

Amex AE

Up to

$790

Annual Fee

$250

Welcome Bonus

60,000 pts

Est. Value

$900

Min. Spend

$12,000

GCR $40

First-Year Value Breakdown

60,000 pts × 1.5 cpp $900
+ Best portal cashback +$40
− Annual fee −$250
+ $100 annual travel credit +$100
First-Year Value $790

Bonus Breakdown

  • 5,000 points/month with $1,000 spend (up to 60K in first 12 months)
  • 10K points for purchase between months 15-17

Year 1 Later

Earn Rates

Base: 1x 2x travel 2x gas 2x grocery (Includes drugstore)

Key Benefits

  • • $100 annual travel credit
  • • Additional 10Kpts for purchase between months 14-17 (via referral)
  • • 4 Plaza Premium lounge passes

How to Apply

GCR$40 (opens in new tab)
  • Referral: 10K-20K bonus

Thank you for your report!

Your issue for has been submitted.

Card

Amex Personal Gold

0/350

RBC Avion Visa Infinite

RBC VISA

Up to

$780

Annual Fee

$120

Welcome Bonus

35,000 - 55,000 pts

Est. Value

$825

Min. Spend

$5,000

GCR $75CCG $75

First-Year Value Breakdown

55,000 pts × 1.5 cpp $825
+ Best portal cashback +$75
− Annual fee −$120
First-Year Value $780

Bonus Breakdown

  • 35K Avion points on approval
  • 20K Avion points after $5K spend

Year 1

Earn Rates

Base: 1x 1.25x travel

Key Benefits

  • • $0.03/L savings at Petro-Canada

How to Apply

GCR$75CCG$75 (opens in new tab)

Thank you for your report!

Your issue for has been submitted.

Card

RBC Avion Visa Infinite

0/350

CIBC Aventura Visa Infinite

CIBC VISA

Up to

$760

Annual Fee

FYF

Welcome Bonus

15,000 - 60,000 pts

Est. Value

$600

Min. Spend

$3,000

First-Year Value Breakdown

60,000 pts × 1 cpp $600
+ NEXUS credit up to $160 +$160
First-Year Value $760

Bonus Breakdown

  • 15K points at first purchase
  • 30K points after $3K spend in 4 statements
  • 15K points after $5K spend in 4 statements

Year 1

Earn Rates

Base: 1x 2x travel (CIBC Rewards Centre only) 1.5x gas 1.5x ev charging 1.5x grocery (Includes drug stores)

Key Benefits

  • • Dragon Pass + 4 passes
  • • NEXUS credit up to $160
  • • Skip+ subscription for 1 year

How to Apply

Thank you for your report!

Your issue for has been submitted.

Card

CIBC Aventura Visa Infinite

0/350

CIBC Aventura Visa Gold

CIBC VISA

Up to

$760

Annual Fee

FYF

Welcome Bonus

15,000 - 60,000 pts

Est. Value

$600

Min. Spend

$3,000

First-Year Value Breakdown

60,000 pts × 1 cpp $600
+ NEXUS credit up to $160 +$160
First-Year Value $760

Bonus Breakdown

  • 15K points at first purchase
  • 30K points after $3K spend in 4 statements
  • 15K points after $5K spend in 4 statements

Year 1

Earn Rates

Base: 1x 2x travel (CIBC Rewards Centre only) 1.5x gas 1.5x ev charging 1.5x grocery (Includes drug stores)

Key Benefits

  • • Dragon Pass + 4 passes
  • • NEXUS credit up to $160

How to Apply

Thank you for your report!

Your issue for has been submitted.

Card

CIBC Aventura Visa Gold

0/350

More Cards

24 cards

All other current welcome bonus offers.

Amex Business Platinum

Amex AE BIZ

Up to

$751

Annual Fee

$799

Welcome Bonus

80,000 pts

Est. Value

$1,200

Min. Spend

$15,000

GCR $50FF $150

First-Year Value Breakdown

80,000 pts × 1.5 cpp $1,200
+ Best portal cashback +$150
− Annual fee −$799
+ $200 travel credit +$200
First-Year Value $751

Bonus Breakdown

  • 80K MR after $15K spend
  • 40K points for purchase between months 15-17

Year 1 Later

Earn Rates

Base: 1.25x

Key Benefits

  • • $200 travel credit
  • • 80K MR after $15K spend (90K via referral)
  • • Marriott Gold status
  • • Priority Pass unlimited access

How to Apply

GCR$50 (opens in new tab)FF$150 (opens in new tab)
  • Referral: +10k points

Thank you for your report!

Your issue for has been submitted.

Card

Amex Business Platinum

0/350

RBC British Airways Visa Infinite

RBC VISA

Up to

$735

Annual Fee

$165

Welcome Bonus

30,000 - 60,000 pts

Est. Value

$900

Min. Spend

$5,000 - $10,000

First-Year Value Breakdown

60,000 pts × 1.5 cpp $900
− Annual fee −$165
First-Year Value $735

Bonus Breakdown

  • 30K Avios after $5K spend in 3 months
  • Extra 30K Avios after $5K spend in days 91-180

Year 1

Earn Rates

Base: 1x 3x travel (British Airways only) 2x dining (Includes food delivery)

Key Benefits

  • • Companion voucher after $30K spend

Thank you for your report!

Your issue for has been submitted.

Card

RBC British Airways Visa Infinite

0/350

RBC Avion Visa Platinum

RBC VISA

Up to

$705

Annual Fee

$120

Welcome Bonus

35,000 - 55,000 pts

Est. Value

$825

Min. Spend

$5,000

First-Year Value Breakdown

55,000 pts × 1.5 cpp $825
− Annual fee −$120
First-Year Value $705

Bonus Breakdown

  • 35K Avion points on approval
  • 20K Avion points after $5K spend in first 6 months

Year 1

Earn Rates

Base: 1x

Key Benefits

  • • 35K Avion points on approval (no MSR)

Thank you for your report!

Your issue for has been submitted.

Card

RBC Avion Visa Platinum

0/350

BMO VIPorter World Elite MC

BMO MC

Up to

$669

Annual Fee

FYF

Welcome Bonus

20,000 - 70,000 pts

Est. Value

$469

Min. Spend

$5,000 - $18,000

FF $200CCG $125

First-Year Value Breakdown

70,000 pts × 0.67 cpp $469
+ Best portal cashback +$200
First-Year Value $669

Bonus Breakdown

  • 20K points after $5K spend
  • Extra 20K points + companion pass after $9K spend within 180 days
  • Extra 30K points after $18K spend within 1 year

Year 1

Earn Rates

Base: 1x 3x travel (Porter Airlines only) 2x gas 2x transit 2x grocery 2x dining

Key Benefits

  • • 2x VIPorter points on hotel accommodations

Thank you for your report!

Your issue for has been submitted.

Card

BMO VIPorter World Elite MC

0/350

BMO CashBack World Elite MC

BMO MC

Up to

$605

Annual Fee

FYF

Welcome Bonus

$480 cashback

Est. Value

$480

Min. Spend

$2,000/mo

CCG $125FF $125

First-Year Value Breakdown

Cashback bonus $480
+ Best portal cashback +$125
First-Year Value $605

Bonus Breakdown

  • $40/month cashback after $2,000 monthly spend (12 months)

Year 1

Earn Rates

Base: 1% 5% grocery 4% transit 3% gas 3% ev charging 2% recurring

Thank you for your report!

Your issue for has been submitted.

Card

BMO CashBack World Elite MC

0/350

Scotia Amex Platinum

Scotia AE No FX

Up to

$601

Annual Fee

$399

Welcome Bonus

60,000 - 80,000 pts

Est. Value

$800

Min. Spend

$3,000 - $10,000

FF $200GCR $175

First-Year Value Breakdown

80,000 pts × 1 cpp $800
+ Best portal cashback +$200
− Annual fee −$399
First-Year Value $601

Bonus Breakdown

  • 60K points after $3K spend
  • 20K points after $10K spend

Year 1

Earn Rates

Base: 2x 3x travel (Scene+ Travel only)

Key Benefits

  • • No FX fees
  • • 10 Priority Pass lounge passes

Thank you for your report!

Your issue for has been submitted.

Card

Scotia Amex Platinum

0/350

Scotia Amex Gold Scene+

Scotia AE No FX

Up to

$600

Annual Fee

FYF

Welcome Bonus

25,000 - 45,000 pts

Est. Value

$450

Min. Spend

$2,000 - $7,500

GCR $150FF $150CCG $100

First-Year Value Breakdown

45,000 pts × 1 cpp $450
+ Best portal cashback +$150
First-Year Value $600

Bonus Breakdown

  • 25K points after $2K spend in first 3 months
  • 20K points after $7.5K spend in first 12 months

Year 1

Earn Rates

Base: 1x 5x grocery (6x at Sobeys/Empire) 5x dining 3x transit 3x gas 3x streaming

Key Benefits

  • • No FX fees

Thank you for your report!

Your issue for has been submitted.

Card

Scotia Amex Gold Scene+

0/350

Amex Aeroplan Reserve

Amex AE

Up to

$551

Annual Fee

$599

Welcome Bonus

60,000 pts

Est. Value

$900

Min. Spend

$7,500

GCR $50CCG $150

First-Year Value Breakdown

60,000 pts × 1.5 cpp $900
+ Best portal cashback +$150
− Annual fee −$599
+ $100 NEXUS credit +$100
First-Year Value $551

Bonus Breakdown

  • 60K points after $7,500 spend in first 3 months
  • 25K additional points after $2,500 spend in month 13

Year 1 Later

Earn Rates

Base: 1.25x 3x travel (Air Canada only) 2x dining

Key Benefits

  • • Maple Leaf Lounge access
  • • $100 NEXUS credit

Thank you for your report!

Your issue for has been submitted.

Card

Amex Aeroplan Reserve

0/350

Amex Marriott Business

Amex AE BIZ

Up to

$525

Annual Fee

$150

Welcome Bonus

80,000 pts

Est. Value

$640

Min. Spend

$10,000

GCR $35

First-Year Value Breakdown

80,000 pts × 0.8 cpp $640
+ Best portal cashback +$35
− Annual fee −$150
First-Year Value $525

Bonus Breakdown

  • 80K Marriott points after $10,000 spend
  • 30K points when you make a purchase in your 15th month
  • Anniversary free night (35K points) starting year 2

Year 1 Later

Earn Rates

Base: 2x 3x travel (5x at Marriott) 3x gas 3x dining

How to Apply

GCR$35 (opens in new tab)
  • Referral: Referral bonus
  • Direct: direct

Thank you for your report!

Your issue for has been submitted.

Card

Amex Marriott Business

0/350

Scotia Passport Visa Infinite+

Scotia VISA No FX

Up to

$500

Annual Fee

$150

Welcome Bonus

40,000 - 50,000 pts

Est. Value

$500

Min. Spend

$2,000 - $10,000

GCR $150FF $150CCG $20

First-Year Value Breakdown

50,000 pts × 1 cpp $500
+ Best portal cashback +$150
− Annual fee −$150
First-Year Value $500

Bonus Breakdown

  • 40K points after $2K spend in first 3 months
  • 10K points after $10K spend in first 6 months

Year 1

Earn Rates

Base: 1x 2x grocery (3x at Sobeys/Empire) 2x dining 2x transit

Key Benefits

  • • No FX fees
  • • 6 lounge passes

Thank you for your report!

Your issue for has been submitted.

Card

Scotia Passport Visa Infinite+

0/350

TD Cashback Visa Infinite

TD VISA

Up to

$450

Annual Fee

FYF

Welcome Bonus

10% on $3,500

Est. Value

$350

Min. Spend

specific categories

GCR $100

First-Year Value Breakdown

Cashback bonus $350
+ Best portal cashback +$100
First-Year Value $450

Bonus Breakdown

  • 10% on first $3,500 spend (gas, grocery, pre-authorized payments)

Year 1

Earn Rates

Base: 1% 3% grocery 3% gas 3% ev charging 3% transit 3% recurring

Key Benefits

  • • Free Deluxe TD Auto Club Membership

Thank you for your report!

Your issue for has been submitted.

Card

TD Cashback Visa Infinite

0/350

Amex Aeroplan Core

Amex AE

Up to

$435

Annual Fee

$120

Welcome Bonus

35,000 pts

Est. Value

$525

Min. Spend

$7,500

GCR $30

First-Year Value Breakdown

35,000 pts × 1.5 cpp $525
+ Best portal cashback +$30
− Annual fee −$120
First-Year Value $435

Bonus Breakdown

  • 35K points after $7,500 spend in first 6 months
  • 10K points in month 13 with $1,000 spend

Year 1 Later

Earn Rates

Base: 1x 2x travel (Air Canada only) 1.5x dining

How to Apply

GCR$30 (opens in new tab)
  • In-path: Air Canada in-path offer: 25K points after $3K + 20K points month 13 + $100 AC credit

Thank you for your report!

Your issue for has been submitted.

Card

Amex Aeroplan Core

0/350

Scotia Momentum Visa Infinite+

Scotia VISA

Up to

$400

Annual Fee

FYF

Welcome Bonus

$300

Est. Value

$300

Min. Spend

$2,000

GCR $100FF $100CCG $20

First-Year Value Breakdown

Cashback bonus $300
+ Best portal cashback +$100
First-Year Value $400

Bonus Breakdown

  • 15% back on first $2K

Year 1

Earn Rates

Base: 1% 4% grocery 4% recurring 2% gas 2% ev charging 2% transit

Key Benefits

  • • Annual cashback payout in November

Thank you for your report!

Your issue for has been submitted.

Card

Scotia Momentum Visa Infinite+

0/350

Amex Marriott Personal

Amex AE

Up to

$395

Annual Fee

$120

Welcome Bonus

60,000 pts

Est. Value

$480

Min. Spend

$3,000

GCR $35

First-Year Value Breakdown

60,000 pts × 0.8 cpp $480
+ Best portal cashback +$35
− Annual fee −$120
First-Year Value $395

Bonus Breakdown

  • 60K points after $3,000 spend in 3 months
  • 10K points after $500 spend in month 13
  • Anniversary free night (35K points) starting year 2

Year 1 Later

Earn Rates

Base: 2x

Key Benefits

  • • 5x at Marriott

How to Apply

GCR$35 (opens in new tab)
  • Referral: Referral bonus

Thank you for your report!

Your issue for has been submitted.

Card

Amex Marriott Personal

0/350

CIBC Aeroplan Visa Infinite

CIBC VISA

Up to

$375

Annual Fee

FYF

Welcome Bonus

10,000 - 25,000 pts

Est. Value

$375

Min. Spend

$6,000

First-Year Value Breakdown

25,000 pts × 1.5 cpp $375
First-Year Value $375

Bonus Breakdown

  • 10K points after first purchase
  • 15K points after $6K spend in first 6 statements
  • 25K anniversary points after $12K spend

Year 1 Later

Earn Rates

Base: 1x 1.5x grocery 1.5x gas 1.5x ev charging 1.5x travel (Air Canada only)

Key Benefits

  • • Free checked bag and preferred pricing on flights

Thank you for your report!

Your issue for has been submitted.

Card

CIBC Aeroplan Visa Infinite

0/350

TD Aeroplan Visa Infinite

TD VISA

Up to

$375

Annual Fee

FYF

Welcome Bonus

10,000 - 25,000 pts

Est. Value

$375

Min. Spend

$3,000

First-Year Value Breakdown

25,000 pts × 1.5 cpp $375
First-Year Value $375

Bonus Breakdown

  • 10K points after first purchase
  • 15K points after $3K spend within 90 days
  • 20K anniversary points after $12K spend

Year 1 Later

Earn Rates

Base: 1x 1.5x grocery 1.5x gas 1.5x ev charging 1.5x travel (Air Canada only)

Key Benefits

  • • Free checked bag

Thank you for your report!

Your issue for has been submitted.

Card

TD Aeroplan Visa Infinite

0/350

TD Aeroplan Visa Privilege

TD VISA

Up to

$326

Annual Fee

$599

Welcome Bonus

20,000 - 55,000 pts

Est. Value

$825

Min. Spend

$12,000

First-Year Value Breakdown

55,000 pts × 1.5 cpp $825
− Annual fee −$599
+ NEXUS credit +$100
First-Year Value $326

Bonus Breakdown

  • 20K points after first purchase
  • 35K points after $12K spend within 180 days
  • 30K anniversary points after $24K spend

Year 1 Later

Earn Rates

Base: 1.25x 1.5x grocery 1.5x gas 1.5x ev charging 1.5x travel (2x on Air Canada) 1.5x transit 1.5x dining

Key Benefits

  • • Free checked bag
  • • Maple Leaf Lounge access, NEXUS credit

Thank you for your report!

Your issue for has been submitted.

Card

TD Aeroplan Visa Privilege

0/350

RBC WestJet World Elite MC

RBC MC

Up to

$311

Annual Fee

$139

Welcome Bonus

25,000 - 45,000 pts

Est. Value

$450

Min. Spend

$5,000

First-Year Value Breakdown

45,000 pts × 1 cpp $450
− Annual fee −$139
First-Year Value $311

Bonus Breakdown

  • 25K WJ points after first purchase
  • Extra 20K points after $5K spend
  • Anniversary 10K points

Year 1 Later

Earn Rates

Base: 1.5x 2x gas 2x ev charging 2x grocery 2x transit 2x travel (WestJet/Sunwing only)

Key Benefits

  • • Annual companion voucher ($119 NA, $399 international) after 5k spend
  • • Free first checked bag

How to Apply

Thank you for your report!

Your issue for has been submitted.

Card

RBC WestJet World Elite MC

0/350

TD Platinum Travel Visa

TD VISA

Up to

$310

Annual Fee

FYF

Welcome Bonus

15,000 - 50,000 pts

Est. Value

$250

Min. Spend

$3,000

GCR $60

First-Year Value Breakdown

50,000 pts × 0.5 cpp $250
+ Best portal cashback +$60
First-Year Value $310

Bonus Breakdown

  • 15K points after first purchase
  • 35K points after $3,000 spend in 180 days

Year 1

Earn Rates

Base: 1.5x 6x travel (Expedia for TD only) 4.5x grocery 4.5x dining 4.5x transit 3x recurring 3x streaming

Thank you for your report!

Your issue for has been submitted.

Card

TD Platinum Travel Visa

0/350

TD Aeroplan Visa Platinum

TD VISA

Up to

$300

Annual Fee

FYF

Welcome Bonus

10,000 - 20,000 pts

Est. Value

$300

Min. Spend

$1,500

First-Year Value Breakdown

20,000 pts × 1.5 cpp $300
First-Year Value $300

Bonus Breakdown

  • 10K points after first purchase
  • 10K points after $1,500 spend within 90 days

Year 1

Earn Rates

Base: 0.67x 1x grocery 1x gas 1x ev charging 1x travel (Air Canada only)

Thank you for your report!

Your issue for has been submitted.

Card

TD Aeroplan Visa Platinum

0/350

MBNA Rewards World Elite MC

MBNA MC

Up to

$280

Annual Fee

$120

Welcome Bonus

20,000 - 30,000 pts

Est. Value

$300

Min. Spend

$2,000

FF $100CCG $100GCR $100

First-Year Value Breakdown

30,000 pts × 1 cpp $300
+ Best portal cashback +$100
− Annual fee −$120
First-Year Value $280

Bonus Breakdown

  • 20K points after $2K spend
  • 10K points for e-statement enrollment

Year 1

Earn Rates

Base: 1x 5x dining 5x grocery 5x recurring

Key Benefits

  • • Quebec: 20K points, no minimum spend
  • • 10% birthday bonus on previous 12 months' points (max 15K)

Thank you for your report!

Your issue for has been submitted.

Card

MBNA Rewards World Elite MC

0/350

CIBC Aeroplan Visa Privilege

CIBC VISA

Up to

$251

Annual Fee

$599

Welcome Bonus

10,000 - 50,000 pts

Est. Value

$750

Min. Spend

$5,000

First-Year Value Breakdown

50,000 pts × 1.5 cpp $750
− Annual fee −$599
+ NEXUS credit +$100
First-Year Value $251

Bonus Breakdown

  • 10K points after $1K spend in first 2 months
  • 40K points after $5K spend in first 4 months
  • 50K anniversary points after $25K spend

Year 1 Later

Earn Rates

Base: 1.25x 1.5x grocery 1.5x gas 1.5x ev charging 1.5x travel (2x on Air Canada) 1.5x dining

Key Benefits

  • • Free checked bag
  • • Maple Leaf Lounge access, NEXUS credit

Thank you for your report!

Your issue for has been submitted.

Card

CIBC Aeroplan Visa Privilege

0/350

CIBC Dividend Visa Infinite

CIBC VISA

Up to

$250

Annual Fee

FYF

Welcome Bonus

10% up to $2,000 + $50 PAP

Est. Value

$250

Min. Spend

-

First-Year Value Breakdown

Cashback bonus $250
First-Year Value $250

Bonus Breakdown

  • 10% back on first $2,000 (first 4 statements)
  • $50 bonus for setting up pre-authorized payment

Year 1

Earn Rates

Base: 1% 4% gas 4% ev charging 4% grocery 2% travel (CIBC by Expedia only) 2% dining 2% transit 2% recurring

Key Benefits

  • • $0.10/L savings (first 250L), 3x Journie points, 2 premium car washes

How to Apply

Thank you for your report!

Your issue for has been submitted.

Card

CIBC Dividend Visa Infinite

0/350

Amex Cobalt

Amex AE

Up to

$83

Annual Fee

$15.99/month

Welcome Bonus

15,000 pts

Est. Value

$225

Min. Spend

$750/month

GCR $40FF $50

First-Year Value Breakdown

15,000 pts × 1.5 cpp $225
+ Best portal cashback +$50
− Annual fee −$191.88
First-Year Value $83

Bonus Breakdown

  • 1,250 MR monthly bonus with $750 spend (12 months)

Year 1

Earn Rates

Base: 1x 5x dining 5x grocery 3x streaming 2x gas 2x transit

Thank you for your report!

Your issue for has been submitted.

Card

Amex Cobalt

0/350

Thank you for your feedback!

Your feedback has been submitted.

Send Feedback

0/350