The Best Credit Cards in Canada - 2026

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National Bank Platinum Mastercard®

National Bank NBC RewardsFirst-Year Annual Fee Rebate

Annual feeNo annual fee the first year: $0 $70
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$360Annual fee rebated$70Total$430Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $430
Welcome offerAfter $12,500 in 12 months: 40,000 points; Ends Nov 4, 2026

Features
Issuer: National Bank
Network
Program: NBC Rewards

Fees and terms
Annual Fee: $70/yr
Min. annual income: —

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Rewards: Rate
Groceries: 2x
Restaurants: 2x
Bills & recurring payments: 1.5x
Gas & EV: 1.5x
Travel: 1.5x

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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 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.: $300
Welcome offer$150 annual fee rebated: First Year Annual Fee Rebate; Ends Nov 4, 2026

Features
Issuer: National Bank
Network
Program: NBC Rewards

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

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

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Scotiabank Gold American Express® Card

Scotiabank Scene+

Annual fee: $120
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$500Total$500Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $500
Welcome offerAfter $7,500 in 12 months: Up to 50,000 points; Ends Nov 1, 2026

Features
Issuer: Scotia
Network
Program: Scene+

Fees and terms
Annual Fee: $120/yr
Min. annual income: $12,000+

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Rewards: Rate
With the partner brand: 6x
Groceries: 5x
Entertainment: 5x
Restaurants: 5x
Streaming: 3x
Transit: 3x
Gas & EV: 3x

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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

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
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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RBC ION+ Visa Card

RBC RBC Avion Rewards - Premium

Annual fee: $48
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$420Total$420Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $420
Welcome offerAfter $1,500 in 6 months: Up to 28,000 points; Ends Nov 4, 2026

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

Fees and terms
Annual Fee: $48/yr
Min. annual income: —

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

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