Best Mastercard Credit Cards in Canada - November 2026 | Sparks and Bloom

Best Cards 1st Yr Free Cash Back Travel Groceries Gas & EV Business Low Interest

Exclusive | ContestCompare

National Bank World Elite Mastercard

National Bank World Elite® Mastercard®

National Bank NBC RewardsFirst-Year Annual Fee Rebate

Annual feeNo annual fee the first year: $0 $150
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$315Annual fee rebated$150Annual credit$150Total$615Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $615
Welcome offer+ First-year annual fee refundedAfter $20,000 in 12 months: Up to 35,000 points; Ends Mar 31, 2027

Features
Issuer: National Bank
Network
Loyalty Program: NBC Rewards

Fees and terms
Annual Fee: $150/yr
Min. annual income: $80,000+

Read full review

Rewards: Rate
Restaurants: 5x
Groceries: 5x
Gas: 2x
Bills & recurring payments: 2x

Read full review

Compare

BMO Ascend World Elite Mastercard

BMO Ascend™ World Elite®* Mastercard®*

BMO BMO Rewards First-Year Annual Fee Rebate

Annual feeNo annual fee the first year: $0 $150
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$771Annual fee rebated$150Total$921Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $921
Welcome offerAfter $20,000 in 12 months: Up to 115,000 points; Ends Dec 8, 2026

Features
Issuer: BMO
Network
Loyalty Program: BMO Rewards

Fees and terms
Annual Fee: $150/yr
Min. annual income: $80,000+

Read full review

Rewards: Rate
Travel: 5x
Restaurants: 3x
Streaming: 3x
Bills & recurring payments: 3x
Entertainment: 3x
Telecom: 3x

Read full review

Compare

BMO VIPorter World Elite Mastercard

BMO VIPorter World Elite®* Mastercard®*

BMO Porter VIPorter First-Year Annual Fee Rebate

Annual feeNo annual fee the first year: $0 $199
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$1,050Annual fee rebated$199Total$1,249Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $1,249
Welcome offer+ one round-trip companion passTo earn all Bonus Points: cumulative purchases of $5,000 within 110 days, $9,000 within 180 days and $18,000 within 365 days of account opening.: Up to 70,000 points; Ends Oct 31, 2027

Features
Issuer: BMO
Network
Loyalty Program: Porter VIPorter

Fees and terms
Annual Fee: $199/yr
Min. annual income: $80,000+

Read full review

Rewards: Rate
Porter flights: 3x
Groceries: 2x
Convenience: 2x
Transit: 2x
Gas: 2x
Restaurants: 2x

Read full review

Compare

United MileagePlus Neo World Elite Mastercard

United® MileagePlus® Neo World Elite® Mastercard

Neo United MileagePlus

Annual fee: $89
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$320Total$320Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $320
Welcome offerAfter $3,000 in 3 months: Up to 20,000 miles

Features
Issuer: Neo
Network
Loyalty Program: United MileagePlus

Fees and terms
Annual Fee: $89/yr
Min. annual income: $80,000+

Read full review

Rewards: Rate
United flights: 1.25x
Groceries: 1x
Restaurants: 1x

Read full review

Compare

Rogers Red World Elite Mastercard

Rogers Red World Elite® Mastercard

Rogers Bank Cash Back

Annual fee: $0
Welcome offer: No current welcome offer

Features
Issuer: Rogers Bank
Network
Loyalty Program: Cash Back

Fees and terms
Annual Fee: $0
Min. annual income: $80,000+

Read full review

See more cards →

Next step

Find your perfect card

Compare the best credit cards in Canada or calculate which card's rewards actually fit your budget.

Compare cards →

Browse other categories

By category

Travel Cash Back 1st Yr Free Groceries Gas & EV Business Low Interest

By program

Amex Membership Rewards

Marriott Bonvoy

BMO Blue Rewards

By institution

All institutions

American Express