The Best Credit Cards in Canada - 2026

The 5 best credit cards

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TD First Class Travel® Visa Infinite* Card

TD TD Rewards First-Year Annual Fee Rebate

Annual feeNo annual fee the first year: $0 $139
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$800Annual fee rebated$139Annual credit$100Total$1,039Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $1,039
Welcome offerAfter $7,500 in 6 months: Up to 160,000 points

Features
Issuer: TD
Network
Program: TD Rewards

Fees and terms
Annual Fee: $139/yr
Min. annual income: $60,000+

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Rewards: Rate
Groceries: 6x
Restaurants: 6x
Transit: 6x
Bills & recurring payments: 4x
Streaming: 4x

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RBC Avion Visa Infinite Card

RBC RBC Avion Rewards - Elite

Annual fee: $120
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$1,050Total$1,050Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $1,050
Welcome offerAfter $5,000 in 6 months: Up to 70,000 points; Ends Nov 25, 2026

Features
Issuer: RBC
Network
Program: RBC Avion Rewards - Elite

Fees and terms
Annual Fee: $120/yr
Min. annual income: $60,000+

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Rewards: Rate
Travel: 1.25x

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American Express Cobalt® Card

American Express Amex Membership Rewards

Annual fee: $191.88
Our valuationMilesopedia first-year estimate First-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.: $255
Welcome offerGet 1,250 points after $750 in purchases per month for 12 months: Up to 15,000 points

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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
Program: Amex Membership Rewards

Fees and terms
Annual Fee: $191.88/yr ($15.99/mo)
Min. annual income: —

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Rewards: Rate
Restaurants: 5x
Groceries: 5x
Convenience: 5x
Streaming: 3x
Transit: 2x
Gas & EV: 2x

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Marriott Bonvoy® American Express®* Card

American Express Marriott Bonvoy

Annual fee: $120
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$630Total$630Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $630
Welcome offerAfter $3,000 in 3 months: Up to 70,000 points

Apply Now

on American Express's website

Features
Issuer: Amex
Network
Program: Marriott Bonvoy

Fees and terms
Annual Fee: $120/yr
Min. annual income: —

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Rewards: Rate
Marriott Bonvoy hotels: 5x

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TD® Aeroplan® Visa Infinite* Card

TD Aeroplan First-Year Annual Fee Rebate

Annual feeNo annual fee the first year: $0 $139
Our valuationMilesopedia first-year estimate First-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.: $1,239
Welcome offerAfter $12,000 in 12 months: Up to 50,000 points

Features
Issuer: TD
Network
Program: Aeroplan

Fees and terms
Annual Fee: $139/yr
Min. annual income: $60,000+

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Rewards: Rate
Gas & EV: 1.5x
Groceries: 1.5x
Air Canada flights: 1.5x

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