Sparks and BloomPowered by Milesopedia
Best for: Overall value
5.0Ratesopedia rating

It comes with a welcome bonus of 85,000 points. You earn 1.5x on groceries and 1.5x at restaurants. Estimated first-year value is $1,811.

Best of Month
Annual Fee
$599
Rewards rate
1.25x

Aeroplan

Welcome Bonus
85,000 points
1st Year Value
$1,811

Pros

  • Welcome bonus of 85,000 points
  • Estimated 1st-year value of $1,811

Cons

  • High annual fee ($599)
  • Requires good credit
Best for: Overall value
4.8Ratesopedia rating

It comes with a welcome bonus of 120,000 points. You earn 1.25x on groceries and 1.25x at restaurants. Estimated first-year value is $1,715.

Best of Month
Annual Fee
$799
Rewards rate
1.25x

Amex Membership Rewards

Welcome Bonus
120,000 points
1st Year Value
$1,715

Pros

  • Welcome bonus of 120,000 points
  • Estimated 1st-year value of $1,715

Cons

  • High annual fee ($799)
Best for: 1st Yr Fee Rebate
5.0Ratesopedia rating

The BMO VIPorter World Elite Mastercard offers a first year annual fee rebate (regular fee $199/yr). It comes with a welcome bonus of 70,000 points. You earn 2x on groceries and 2x at restaurants. Estimated first-year value is $1,644.

1st Yr Fee Rebate
Annual Fee
$199 $0
Rewards rate
1x

Porter VIPorter

Welcome Bonus
70,000 points

Ends Jun 30, 2026

1st Year Value
$1,644

Pros

  • First Year Annual Fee Rebate
  • Welcome bonus of 70,000 points
  • 2x on groceries
  • 2x at restaurants

Cons

  • High annual fee ($199)
  • Requires good credit
Best for: Travel rewards
5.0Ratesopedia rating

It comes with a welcome bonus of 100,000 points. You earn 1.25x on groceries and 1.25x at restaurants. Estimated first-year value is $1,520.

Annual Fee
$399
Rewards rate
1.25x

RBC Avion Rewards

Welcome Bonus
100,000 points
1st Year Value
$1,520

Pros

  • Welcome bonus of 100,000 points
  • Estimated 1st-year value of $1,520

Cons

  • High annual fee ($399)
  • Requires good credit
Best for: Overall value
4.8Ratesopedia rating

It comes with a welcome bonus of 200,000 points. You earn 5x on groceries and 5x at restaurants. Estimated first-year value is $1,284.

Best of Month
Annual Fee
$599
Rewards rate
1x

BMO Rewards

Welcome Bonus
200,000 points

Ends Oct 31, 2026

1st Year Value
$1,284

Pros

  • Welcome bonus of 200,000 points
  • 5x on groceries
  • 5x at restaurants
  • Estimated 1st-year value of $1,284

Cons

  • High annual fee ($599)
  • Requires good credit
Best for: 1st Yr Fee Rebate
4.8Ratesopedia rating

The BMO CashBack Mastercard World Eliteᴹᴰ offers a first year annual fee rebate (regular fee $120/yr). It comes with a welcome bonus of $650. You earn 5x on groceries and 1x at restaurants. Estimated first-year value is $1,276.

Best of Month1st Yr Fee Rebate
Annual Fee
$120 $0
Rewards rate
1x

Cash Back

Welcome Bonus
$650

Ends Oct 31, 2026

1st Year Value
$1,276

Pros

  • First Year Annual Fee Rebate
  • Welcome bonus of $650
  • 5x on groceries
  • Estimated 1st-year value of $1,276

Cons

  • Requires good credit
Best for: Travel rewards
5.0Ratesopedia rating

It comes with a welcome bonus of 70,000 points. You earn 1x on groceries and 1x at restaurants. Estimated first-year value is $1,265.

Annual Fee
$120
Rewards rate
1x

RBC Avion Rewards

Welcome Bonus
70,000 points
1st Year Value
$1,265

Pros

  • Welcome bonus of 70,000 points
  • Estimated 1st-year value of $1,265

Cons

  • Requires good credit
Best for: 1st Yr Fee Rebate
5.0Ratesopedia rating

The BMO Ascend World Elite Mastercard offers a first year annual fee rebate (regular fee $150/yr). It comes with a welcome bonus of 115,000 points. You earn 1x on groceries and 3x at restaurants. Estimated first-year value is $1,195.

Best of Month1st Yr Fee Rebate
Annual Fee
$150 $0
Rewards rate
1x

BMO Rewards

Welcome Bonus
115,000 points
1st Year Value
$1,195

Pros

  • First Year Annual Fee Rebate
  • Welcome bonus of 115,000 points
  • 3x at restaurants
  • Estimated 1st-year value of $1,195

Cons

  • Requires good credit
Best for: Overall value
4.7Ratesopedia rating

It comes with a welcome bonus of 30,000 points. You earn 5x on groceries and 5x at restaurants. Estimated first-year value is $1,086.

Annual Fee
$120
Rewards rate
1x

MBNA Rewards

Welcome Bonus
30,000 points
1st Year Value
$1,086

Pros

  • Welcome bonus of 30,000 points
  • 5x on groceries
  • 5x at restaurants
  • Estimated 1st-year value of $1,086

Cons

  • Requires good credit

Complete Guide

Best Credit Cards for Airport Lounges in Canada

Access airport lounges worldwide with your credit card. Compare Priority Pass, Amex Centurion, and Plaza Premium benefits.

Airport lounge access transforms your travel experience — free food, drinks, Wi-Fi, showers, and a quiet place to work or relax. Several Canadian credit cards include lounge access as a perk, either through Priority Pass, the American Express Global Lounge Collection, or Plaza Premium.

45

Cards analyzed

Jun 2026

Last updated

100%

Independent

Methodology

Our team evaluates credit cards based on overall consumer value: rewards earning rates, annual fees, welcome bonuses, insurance coverage, and additional perks. Cards are ranked by estimated first-year value. We update our picks monthly.

📊Real data
🔄Updated regularly
⚖️Unbiased review
🎯Transparent criteria

FAQ

Frequently Asked Questions

1Which credit card gives the best lounge access?

The Amex Platinum ($799/yr) offers unlimited access to 1,400+ lounges worldwide. For a lower fee, the Scotiabank Passport Visa Infinite includes 6 Priority Pass visits.

Next step

Find your perfect card

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