The 5 best credit cards

RBC Avion Visa Infinite Card
Annual fee
$120
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$935Total$935$255 deferred bonus, excluded from the first-year estimate and not counted in this total.Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
$935
Welcome offer35,000 points after approval; 20,000 after $5,000 in eligible transactions within 6 months; 15,000 credited 12–16 weeks after the first account anniversary. Eligible account must remain open and in good standing; offer terms and posting times apply.
Up to 70,000 points
Ends Nov 25, 2026
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on RBC's website

Features
Issuer
RBC
Network
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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BMO Ascend World Elite Mastercard
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
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on BMO's website

Features
Issuer
BMO
Network
Fees and terms
Annual Fee
$150/yr
Min. annual income
$80,000+
Read the full review
Rewards
Rate
Travel
5x
Restaurants
3x
Streaming
3x
Bills & recurring payments
3x
Entertainment
3x
Telecom
3x
Read the full review
TD Aeroplan Visa Infinite Card
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
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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
1.5x
Groceries
1.5x
Air Canada flights
1.5x
Read the full review
Marriott Bonvoy American Express Card
Annual fee
$120
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$600Total$600$100 deferred bonus, excluded from the first-year estimate and not counted in this total.Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
$600
Welcome offerAfter $3,000 in 3 months
Up to 70,000 points
Apply Now

on American Express's website

Apply 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
$120/yr
Min. annual income
—
Read the full review
Rewards
Rate
Marriott Bonvoy hotels
5x
Read the full review