Editor's picks

The 5 best credit cards

See the top 10
National Bank World Elite Mastercard
Annual fee
$0 $150

No annual fee the first year

Our valuation
$300

Milesopedia first-year estimateFirst-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.

Welcome offer
First Year Annual Fee Rebate

$150 annual fee rebated

Ends Nov 4, 2026

Apply Now

on National Bank's website

Features
Network
Program
NBC Rewards
Fees and terms
Annual Fee
$150/yr
Min. annual income
$80,000+
Read the full review
Rewards
Rate
Restaurants
5x
Groceries
5x
Travel
2x
Bills & recurring payments
2x
Gas & EV
2x
Read the full review
American Express Cobalt Card
Annual fee
$191.88
Our valuation
$255

Milesopedia first-year estimateFirst-year valueWelcome bonus$255Total$255Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.

Welcome offer
Up to 15,000 points
Apply Now

on American Express's website

Apply with confidence — no impact on your credit scoreApply 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
Fees and terms
Annual Fee
$191.88/yr ($15.99/mo)
Min. annual income
Read the full review
Rewards
Rate
Restaurants
5x
Groceries
5x
Convenience
5x
Streaming
3x
Transit
2x
Gas & EV
2x
Read the full review
Scotiabank Passport® Visa Infinite +* Card
Annual fee
$150
Our valuation
$350

Milesopedia first-year estimateFirst-year valueWelcome bonus$350Total$350Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.

Welcome offer
Up to 35,000 points

Ends Nov 1, 2026

Apply Now

on Scotiabank's website

Features
Issuer
Scotia
Network
Program
Scene+
Fees and terms
Annual Fee
$150/yr
Min. annual income
$60,000+
Read the full review
Rewards
Rate
Groceries
2x
Restaurants
2x
Transit
2x
Entertainment
2x
Read the full review
TD Aeroplan Visa Infinite Card
Annual fee
$0 $139

No annual fee the first year

Our valuation
$1,239

Milesopedia first-year estimateFirst-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.

Welcome offer
Up to 50,000 points

+ First Year Annual Fee Rebate

Apply Now

on TD's website

Features
Issuer
TD
Network
Program
Aeroplan
Fees and terms
Annual Fee
$139/yr
Min. annual income
$60,000+
Read the full review
Rewards
Rate
Gas & EV
1.5x
Groceries
1.5x
Air Canada flights
1.5x
Read the full review
Newsletter

Personal finance, decoded for Canadians.

Every week: the best card of the moment, a bank account worth your attention, and the context behind the financial news.