Best Canadian Credit Card Offers

Compare 33 cards by First-Year Value

Last updated: Jun 12, 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

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

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Top Picks

9 cards

Highest first-year value offers right now.

Amex Personal Platinum

Amex AE

Up to

$1,591

Annual Fee

$799

Welcome Bonus

90,000 - 130,000 pts

Est. Value

$1,950

Min. Spend

$10,000

GCR $40

First-Year Value Breakdown

130,000 pts × 1.5 cpp $1,950
+ Best portal cashback +$40
− Annual fee −$799
+ $200 annual travel credit +$200
+ $200 annual dining credit +$200
First-Year Value $1,591

Bonus Breakdown

  • 90,000 MR points after $10,000 spend in first 3 months
  • 40K additional MR points after $45,000 total spend in first 12 months
  • 40K 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
  • • Gold status at Marriott and Hilton
  • • Amex FHR access
  • • YYZ benefits
  • • Priority Pass with unlimited entries

How to Apply

GCR$40 (opens in new tab)
  • Referral: +10K points

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Card

Amex Personal Platinum

0/350

Amex Aeroplan Reserve

Amex AE

Up to

$1,191

Annual Fee

$599

Welcome Bonus

70,000 - 110,000 pts

Est. Value

$1,650

Min. Spend

$7,500

GCR $40

First-Year Value Breakdown

110,000 pts × 1.5 cpp $1,650
+ Best portal cashback +$40
− Annual fee −$599
+ $100 NEXUS credit +$100
First-Year Value $1,191

Bonus Breakdown

  • 70K points after $7,500 spend in first 3 months
  • 40K additional Aeroplan points after $45,000 total spend in first 12 months
  • 40K points for purchase between months 15-17

Year 1 Later

Earn Rates

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

Key Benefits

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

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Card

Amex Aeroplan Reserve

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

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Card

Amex Business Gold

0/350

TD First Class Travel Visa Infinite

TD VISA

Up to

$870

Annual Fee

FYF

Welcome Bonus

20,000 - 146,000 pts

Est. Value

$730

Min. Spend

$7,500

CCG $40· 2026-06-30GCR $25

First-Year Value Breakdown

146,000 pts × 0.5 cpp $730
+ Best portal cashback +$40
+ $100 annual Expedia4TD credit +$100
First-Year Value $870

Bonus Breakdown

  • 20K points after first purchase
  • 126K 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

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Card

TD First Class Travel Visa Infinite

0/350

BMO Ascend World Elite MC

BMO MC

Up to

$845

Annual Fee

FYF

Welcome Bonus

45,000 - 100,000 pts

Est. Value

$670

Min. Spend

$5,000 - $20,000

CCG $175· 2026-06-30FF $125

First-Year Value Breakdown

100,000 pts × 0.67 cpp $670
+ Best portal cashback +$175
First-Year Value $845

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

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Card

BMO Ascend World Elite MC

0/350

BMO Eclipse Visa Infinite

BMO VISA

Up to

$800

Annual Fee

FYF

Welcome Bonus

30,000 - 50,000 pts

Est. Value

$335

Min. Spend

$4,000 - $12,000

CCG $150· 2026-06-30FF $175

First-Year Value Breakdown

50,000 pts × 0.67 cpp $335
+ Best portal cashback +$175
+ $50 annual lifestyle credit +$50
+ $20/month streaming credit (Y1 only) +$240
First-Year Value $800

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 (posts at account anniversary — requires keeping card into Y2)

Year 1 Later

Earn Rates

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

Key Benefits

  • • $50 annual lifestyle credit

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Card

BMO Eclipse Visa Infinite

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

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Card

Amex Personal Gold

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

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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

  • • Visa Airport Companion + 4 passes
  • • NEXUS credit up to $160

How to Apply

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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

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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

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RBC British Airways Visa Infinite

0/350

RBC Avion Visa Infinite

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
  • 15K anniversary Avion points (12-16 weeks after 1-year mark)

Year 1 Later

Earn Rates

Base: 1x 1.25x travel

Key Benefits

  • • $0.03/L savings at Petro-Canada

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RBC Avion 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
  • 15K anniversary Avion points (12-16 weeks after 1-year mark)

Year 1 Later

Earn Rates

Base: 1x 1.25x travel

Key Benefits

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

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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 $150· 2026-06-30

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

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BMO VIPorter World Elite MC

0/350

BMO CashBack World Elite MC

BMO MC

Up to

$630

Annual Fee

FYF

Welcome Bonus

$480 cashback

Est. Value

$480

Min. Spend

$2,000/mo

CCG $150· 2026-06-30FF $125

First-Year Value Breakdown

Cashback bonus $480
+ Best portal cashback +$150
First-Year Value $630

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

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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

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Scotia Amex Platinum

0/350

Scotia Passport Visa Infinite+

Scotia VISA No FX

Up to

$600

Annual Fee

$150

Welcome Bonus

40,000 - 60,000 pts

Est. Value

$600

Min. Spend

$2,000 - $40,000

GCR $150FF $150CCG $150· 2026-06-30

First-Year Value Breakdown

60,000 pts × 1 cpp $600
+ Best portal cashback +$150
− Annual fee −$150
First-Year Value $600

Bonus Breakdown

  • 40K points after $2K spend in first 3 months
  • 10K points after $10K spend in first 6 months
  • 10K annual bonus after $40K spend in 12 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

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Scotia Passport Visa Infinite+

0/350

Scotia Amex Gold Scene+

Scotia AE No FX

Up to

$480

Annual Fee

$120

Welcome Bonus

25,000 - 45,000 pts

Est. Value

$450

Min. Spend

$2,000 - $7,500

GCR $150FF $150CCG $75· 2026-06-30

First-Year Value Breakdown

45,000 pts × 1 cpp $450
+ Best portal cashback +$150
− Annual fee −$120
First-Year Value $480

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

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Scotia Amex Gold Scene+

0/350

Scotia Momentum Visa Infinite+

Scotia VISA

Up to

$450

Annual Fee

FYF

Welcome Bonus

$300

Est. Value

$300

Min. Spend

$2,000

GCR $100FF $150CCG $100· 2026-06-30

First-Year Value Breakdown

Cashback bonus $300
+ Best portal cashback +$150
First-Year Value $450

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

  • • Cash back redeemable anytime ($25 min)

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Scotia Momentum 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 $100CCG $100· 2026-06-30

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

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TD Cashback Visa Infinite

0/350

Amex Marriott Business

Amex AE BIZ

Up to

$445

Annual Fee

$150

Welcome Bonus

70,000 pts

Est. Value

$560

Min. Spend

$5,000

GCR $35

First-Year Value Breakdown

70,000 pts × 0.8 cpp $560
+ Best portal cashback +$35
− Annual fee −$150
First-Year Value $445

Bonus Breakdown

  • 70K Marriott points after $5,000 spend in first 3 months
  • 10K points after $1,000 spend in month 13
  • 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

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Amex Marriott Business

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

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Amex Aeroplan Core

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

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Amex Marriott Personal

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
  • 15K 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

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TD Aeroplan Visa Infinite

0/350

RBC WestJet World Elite MC

RBC MC

Up to

$371

Annual Fee

$139

Welcome Bonus

25,000 - 45,000 pts

Est. Value

$450

Min. Spend

$5,000

GCR $60FF $60

First-Year Value Breakdown

45,000 pts × 1 cpp $450
+ Best portal cashback +$60
− Annual fee −$139
First-Year Value $371

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

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RBC WestJet World Elite MC

0/350

CIBC Aeroplan Visa Infinite Privilege

CIBC VISA

Up to

$351

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 +$200
First-Year Value $351

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

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CIBC Aeroplan Visa Infinite Privilege

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

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TD Aeroplan Visa Privilege

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

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TD Platinum Travel Visa

0/350

CIBC Aeroplan Visa Infinite

CIBC VISA

Up to

$300

Annual Fee

FYF

Welcome Bonus

10,000 - 20,000 pts

Est. Value

$300

Min. Spend

$6,000

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 $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

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CIBC Aeroplan Visa Infinite

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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)

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TD Aeroplan Visa Platinum

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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 $40· 2026-06-30GCR $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)

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MBNA Rewards World Elite MC

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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

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CIBC Dividend Visa Infinite

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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

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Amex Cobalt

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