Best credit cards in Canada

Beta version — June 2022

Getting new credit cards is one of the best ways for Canadians to travel more for less.

It’s how we easily get over a thousand dollars in travel rewards every year ourselves, all the while improving our credit score and getting plenty of other awesome travel benefits.

The key is to choose cards among the best credit cards in Canada (offers change constantly) and to always pay balances on-time and in full.

Here’s our monthly ranking, which focuses mainly on our Flytrippers Valuation of the credit cards’ welcome bonuses alone, since that’s what will be the same for any type of traveler—and because that is what is most important to maximize travel rewards.

(More details about how the ranking works or our Flytrippers Valuation.)

Flytrippers ranking of the best credit card offers in Canada (June 2022)

These are the best of the best, the credit cards with the highest welcome bonus offers in Canada right now. You can’t go wrong with any of these credit cards that all offer at least $301 in travel rewards with their welcome bonuses alone, but we help you choose below too.

You can read our detailed page about the best credit card offers in Canada for June 2022 (coming soon).

Best credit card offers (June 2022)		WELCOME BONUS ( VALUATION)	Best for
	American Express Cobalt^® Card Card: $0 minimum income requiredNo minimum income required. Bonus: spend $500/mo for 12 mos.	≈ $744Flytrippers Valuation Welcome bonus: 30,000 pts (≈ $450) Earn on min. spend: 30,000 pts (≈ $450) Card fee: deducted (-$156) Welcome bonus: $900 Card Fee: $156	Best overall card in Canada
	RBC^® British Airways Visa Infinite^‡ Card: $60k minimum income requiredMinimum personal income of $60,000 or minimum household income of $100,000 Bonus: spend $6k in 3 mos.	≈ $675Flytrippers Valuation Welcome bonus (upon approval): 15,000 pts (≈ $225) Welcome bonus (after min. spend): 35,000 pts (≈ $525) Earn on min. spend: 6,000 pts (≈ $90) Card fee: deducted (-$165) Welcome bonus: $840 Card Fee: $165	Great airline rewards for big spenders	limited time
	HSBC World Elite^® Mastercard^® Card: $80k minimum income requiredMinimum personal income of $80,000 or minimum household income of $0 Bonus: spend $6k in 6 mos. (see QC offer)	≈ $639Flytrippers Valuation Welcome bonus (no min. spend): 20,000 pts (≈ $120) Welcome bonus (with min. spend): 40,000 pts (≈ $240) Earn on min. spend: 18,000 pts (≈ $108) Annual credit (Year 1): for travel ($100) Card fee (Year 1): first year free (-$0) Renewal bonus: 20,000 pts (≈ $120) Annual credit (Year 2): for travel ($100) Card fee (Year 2): deducted (-$149) Welcome bonus: $639 Card Fee: $0 $149	No FX fee and valuable airline rewards
	American Express^® Gold Rewards Card Card: $0 minimum income requiredNo minimum income required. Bonus: spend $3k in 3 mos.	≈ $518Flytrippers Valuation Welcome bonus: 40,000 pts (≈ $600) Earn on min. spend: 4,500 pts (≈ $68) Annual credit: for travel ($100) Card fee: deducted (-$250) Also offered but not included in Valuation: renewal bonus of 10,000 pts (≈ $150) and a NEXUS credit ($50) Welcome bonus: $768 Card Fee: $250	Fans of Aeroplan points highest-value offer	limited time
	Platinum Card^® from American Express Card: $0 minimum income requiredNo minimum income required. Bonus: spend $6k in 3 mos.	≈ $491Flytrippers Valuation Welcome bonus: 60,000 pts (≈ $900) Earn on min. spend: 6,000 pts (≈ $90) Annual credit: for travel ($200) Card fee: deducted (-$699) Also offered but not in Valuation: renewal bonus of 20,000 pts (≈ $300) and NEXUS credit ($100) Welcome bonus: $1190 Card Fee: $699	Unlimited access to airport lounges and elite benefits
	BMO eclipse Visa Infinite* Card Card: $60k minimum income requiredMinimum personal income of $60,000 or minimum household income of $100,000 Bonus: spend $3k in 3 mos.	$360Flytrippers Valuation Welcome bonus: 30,000 pts ($200) Earn on min. spend: 9,000 pts ($60) Lifestyle credits: two in 1st year ($100) Card fee: first year free (-$0) Additional monthly spend bonus also offered Welcome bonus: $360 Card Fee: $0 $120	Easy credits simple rewards
	Marriott Bonvoy^® American Express^®* Card Card: $0 minimum income requiredNo minimum income required. Bonus: spend $1.5k in 3 mos.	≈ $357Flytrippers Valuation Welcome bonus: 50,000 pts (≈ $450) Earn on min. spend: 3,000 pts (≈ $27) Card fee: deducted (-$120) Welcome bonus: $477 Card Fee: $120	Very lucrative hotel points for specific hotels
	Marriott Bonvoy^™ Business American Express^® Card Card: no business required Bonus: spend $1.5k in 3 mos.	≈ $327Flytrippers Valuation Welcome bonus: 50,000 pts (≈ $450) Earn on min. spend: 3,000 pts (≈ $27) Card fee: deducted (-$150) Welcome bonus: $477 Card Fee: $150	For those who already have the one above
	American Express^® Aeroplan^®* Card Card: $0 minimum income requiredNo minimum income required. Bonus: spend $1.5k in 3 mos.	≈ $316Flytrippers Valuation Welcome bonus: 20,000 pts (≈ $300) Monthly bonus for 3 mos. (evenly split $1.5k): 7,500 pts (≈ $113) Earn on min. spend: 1,500 pts (≈ $23) Card fee: deducted (-$120) Additional monthly spend bonus also offered Welcome bonus: $436 Card Fee: $120	Fans of Aeroplan points lower min. spend
	SimplyCash^™ Preferred Card from American Express^® Card: $0 minimum income requiredNo minimum income required. Bonus: spend $4k in 4 mos.	$301Flytrippers Valuation Welcome bonus: cashback ($400) Card fee: deducted (-$99) Welcome bonus: $400 Card Fee: $99	Cashback fans who spend more
	National Bank^® World Elite Mastercard^® Card: $80k minimum income requiredMinimum personal income of $80,000 or minimum household income of $0 Bonus: spend $3k in 3 mos.	≈ $300Flytrippers Valuation Welcome bonus: 20,000 pts ($200) Travel extras credit: varies by traveler* (≈ $100) Card fee: first year free (-$0) Welcome bonus: $300 Card Fee: $0 $150	Credit for travel extras & YUL lounge access	ends August 31st
Terms and conditions apply. Flytrippers editorial opinion only. Financial institutions are not responsible for maintaining the content on this site. Please click "See More" to see most up-to-date information.

Best credit card offers (June 2022)
American Express Cobalt^® Card
Card: $0 minimum income requiredNo minimum income required.
Bonus: spend $500/mo for 12 mos.
WELCOME BONUS
≈ $744Flytrippers Valuation Welcome bonus: 30,000 pts (≈ $450) Earn on min. spend: 30,000 pts (≈ $450) Card fee: deducted (-$156)
Welcome bonus: $900
Card Fee: $156
Best for: Best overall card in Canada
RBC^® British Airways Visa Infinite^‡
Card: $60k minimum income requiredMinimum personal income of $60,000 or minimum household income of $100,000
Bonus: spend $6k in 3 mos.
WELCOME BONUS	limited time
≈ $675Flytrippers Valuation Welcome bonus (upon approval): 15,000 pts (≈ $225) Welcome bonus (after min. spend): 35,000 pts (≈ $525) Earn on min. spend: 6,000 pts (≈ $90) Card fee: deducted (-$165)
Welcome bonus: $840
Card Fee: $165
Best for: Great airline rewards for big spenders
HSBC World Elite^® Mastercard^®
Card: $80k minimum income requiredMinimum personal income of $80,000 or minimum household income of $0
Bonus: spend $6k in 6 mos. (see QC offer)
WELCOME BONUS
≈ $639Flytrippers Valuation Welcome bonus (no min. spend): 20,000 pts (≈ $120) Welcome bonus (with min. spend): 40,000 pts (≈ $240) Earn on min. spend: 18,000 pts (≈ $108) Annual credit (Year 1): for travel ($100) Card fee (Year 1): first year free (-$0) Renewal bonus: 20,000 pts (≈ $120) Annual credit (Year 2): for travel ($100) Card fee (Year 2): deducted (-$149)
Welcome bonus: $639
Card Fee: $0 $149
Best for: No FX fee and valuable airline rewards
American Express^® Gold Rewards Card
Card: $0 minimum income requiredNo minimum income required.
Bonus: spend $3k in 3 mos.
WELCOME BONUS	limited time
≈ $518Flytrippers Valuation Welcome bonus: 40,000 pts (≈ $600) Earn on min. spend: 4,500 pts (≈ $68) Annual credit: for travel ($100) Card fee: deducted (-$250) Also offered but not included in Valuation: renewal bonus of 10,000 pts (≈ $150) and a NEXUS credit ($50)
Welcome bonus: $768
Card Fee: $250
Best for: Fans of Aeroplan points highest-value offer
Platinum Card^® from American Express
Card: $0 minimum income requiredNo minimum income required.
Bonus: spend $6k in 3 mos.
WELCOME BONUS
≈ $491Flytrippers Valuation Welcome bonus: 60,000 pts (≈ $900) Earn on min. spend: 6,000 pts (≈ $90) Annual credit: for travel ($200) Card fee: deducted (-$699) Also offered but not in Valuation: renewal bonus of 20,000 pts (≈ $300) and NEXUS credit ($100)
Welcome bonus: $1190
Card Fee: $699
Best for: Unlimited access to airport lounges and elite benefits
BMO eclipse Visa Infinite* Card
Card: $60k minimum income requiredMinimum personal income of $60,000 or minimum household income of $100,000
Bonus: spend $3k in 3 mos.
WELCOME BONUS
$360Flytrippers Valuation Welcome bonus: 30,000 pts ($200) Earn on min. spend: 9,000 pts ($60) Lifestyle credits: two in 1st year ($100) Card fee: first year free (-$0) Additional monthly spend bonus also offered
Welcome bonus: $360
Card Fee: $0 $120
Best for: Easy credits simple rewards
Marriott Bonvoy^® American Express^®* Card
Card: $0 minimum income requiredNo minimum income required.
Bonus: spend $1.5k in 3 mos.
WELCOME BONUS
≈ $357Flytrippers Valuation Welcome bonus: 50,000 pts (≈ $450) Earn on min. spend: 3,000 pts (≈ $27) Card fee: deducted (-$120)
Welcome bonus: $477
Card Fee: $120
Best for: Very lucrative hotel points for specific hotels
Marriott Bonvoy^™ Business American Express^® Card
Card: no business required
Bonus: spend $1.5k in 3 mos.
WELCOME BONUS
≈ $327Flytrippers Valuation Welcome bonus: 50,000 pts (≈ $450) Earn on min. spend: 3,000 pts (≈ $27) Card fee: deducted (-$150)
Welcome bonus: $477
Card Fee: $150
Best for: For those who already have the one above
American Express^® Aeroplan^®* Card
Card: $0 minimum income requiredNo minimum income required.
Bonus: spend $1.5k in 3 mos.
WELCOME BONUS
≈ $316Flytrippers Valuation Welcome bonus: 20,000 pts (≈ $300) Monthly bonus for 3 mos. (evenly split $1.5k): 7,500 pts (≈ $113) Earn on min. spend: 1,500 pts (≈ $23) Card fee: deducted (-$120) Additional monthly spend bonus also offered
Welcome bonus: $436
Card Fee: $120
Best for: Fans of Aeroplan points lower min. spend
SimplyCash^™ Preferred Card from American Express^®
Card: $0 minimum income requiredNo minimum income required.
Bonus: spend $4k in 4 mos.
WELCOME BONUS
$301Flytrippers Valuation Welcome bonus: cashback ($400) Card fee: deducted (-$99)
Welcome bonus: $400
Card Fee: $99
Best for: Cashback fans who spend more
National Bank^® World Elite Mastercard^®
Card: $80k minimum income requiredMinimum personal income of $80,000 or minimum household income of $0
Bonus: spend $3k in 3 mos.
WELCOME BONUS	ends August 31st
≈ $300Flytrippers Valuation Welcome bonus: 20,000 pts ($200) Travel extras credit: varies by traveler* (≈ $100) Card fee: first year free (-$0)
Welcome bonus: $300
Card Fee: $0 $150
Best for: Credit for travel extras & YUL lounge access
Terms and conditions apply. Flytrippers editorial opinion only. Financial institutions are not responsible for maintaining the content on this site. Please click "See More" to see most up-to-date information.

Best credit cards in Canada by category

Since there is no such thing as one “best card”, this beta version of our ranking of the best credit cards is now also split into various different sections based on your own preferences, profile, and strategy.

You can read a teaser about how to choose the best credit cards for you below the ranking, with more to come.

We’ll soon have even more categories, detailed credit card pages, comparison features, and more: sign up for free to be the first to get the full version.

Beginners: our upcoming free course (written & video) will explain how travel rewards & credit cards work in greater detail, but if you are new to this world, it’s important to read some basic knowledge (like not canceling old cards) also below the ranking.

Best cards by category hide

Best credit cards in Canada for groceries

Best credit cards in Canada for easy fixed-value travel credits

Best credit cards in Canada for AIR MILES Rewards

Best credit cards in Canada for Marriott Bonvoy points

Best credit cards in Canada for cashback

Best credit cards in Canada for balance transfers

Best credit cards in Canada with no foreign transaction fees

Best credit cards in Canada for airport lounge access

Best credit cards in Canada with low minimum spends

Best credit cards in Canada for those with non-employment income

Best credit cards in Canada for businesses

Best prepaid credit cards in Canada

Best free credit score monitoring in Canada

Other upcoming credit card categories

Best online shopping portals in Canada

Best services to earn more rewards in Canada

Best travel insurance providers for COVID-19

Best cryptocurrency services

Other upcoming financial categories

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Best credit cards in Canada for groceries

A lot of travel rewards beginners have a hard time understanding that earn rates aren’t as important as welcome bonuses, so we figured adding this section would be a great opportunity to remind you. But with groceries being such a big expense, these cards are great for those getting started out.

You can read our detailed page about the best credit cards in Canada for groceries (coming soon).

Best credit cards for groceries		WELCOME BONUS ( VALUATION)	Earn rate on groceries
	American Express Cobalt^® Card Card: $0 minimum income requiredNo minimum income required. Bonus: spend $500/mo for 12 mos.	≈ $744Flytrippers Valuation Welcome bonus: 30,000 pts (≈ $450) Earn on min. spend: 30,000 pts (≈ $450) Card fee: deducted (-$156) Welcome bonus: $900 Card Fee: $156	≈ 7.5% or 5% at fixed-value
	Scotiabank Gold American Express^® Card Card: $12k minimum income requiredMinimum personal income of $12,000 or minimum household income of $0 Bonus: spend $1k in 3 mos.	$180Flytrippers Valuation Welcome bonus: 25,000 pts ($250) Earn on min. spend: 5,000 pts ($50) Card fee: deducted (-$120) Additional annual spend bonus also offered Welcome bonus: $300 Card Fee: $120	5% fixed-value
	BMO CashBack^® World Elite^®* MasterCard^®* Card: $80k minimum income requiredMinimum personal income of $80,000 or minimum household income of $0 Bonus: spend $2k in 3 mos.	$200Flytrippers Valuation Welcome bonus: cashback ($200) Card fee: 1st year free (-$0) Official BMO Offer Get up to 10% cash back in your first 3 months and the $120 annual fee waived in the first year* Welcome bonus: $200 Card Fee: $0	5% cashback (max: $500/mo)
	Scotia Momentum^® Visa Infinite* Card Card: $60k minimum income requiredMinimum personal income of $60,000 or minimum household income of $0 Bonus: spend $2k in 3 mos.	$200Flytrippers Valuation Welcome bonus: cashback ($200) Card fee: 1st year free (-$0) Welcome bonus: $200 Card Fee: $0 $120	4% cashback
	BMO eclipse Visa Infinite* Card Card: $60k minimum income requiredMinimum personal income of $60,000 or minimum household income of $0 Bonus: spend $3k in 3 mos.	$360Flytrippers Valuation Welcome bonus: 30,000 pts ($200) Earn on min. spend: 9,000 pts ($60) Lifestyle credits: two in 1st year ($100) Card fee: first year free (-$0) Additional monthly spend bonus also offered Welcome bonus: $360 Card Fee: $0 $120	3.33% fixed-value
	Tangerine World Mastercard^® Card: $60k minimum income requiredMinimum personal income of $60,000 or minimum household income of $0 Bonus: spend $1k in 2 mos.	$120Flytrippers Valuation Welcome bonus: 10% cashback ($100) Earn on min. spend: 2% in 3 categories ($20) Card fee: no annual fee (-$0) Welcome bonus: $120 Card Fee: $0	2% incl. Walmart Supercentres	ends May 31st
Terms and conditions apply. Flytrippers editorial opinion only. Financial institutions are not responsible for maintaining the content on this site. Please click "See More" to see most up-to-date information.

Best credit cards for groceries
American Express Cobalt^® Card
Card: $0 minimum income requiredNo minimum income required.
Bonus: spend $500/mo for 12 mos.
WELCOME BONUS
≈ $744Flytrippers Valuation Welcome bonus: 30,000 pts (≈ $450) Earn on min. spend: 30,000 pts (≈ $450) Card fee: deducted (-$156)
Welcome bonus: $900
Card Fee: $156
Earn rate on groceries: ≈ 7.5% or 5% at fixed-value
Scotiabank Gold American Express^® Card
Card: $12k minimum income requiredMinimum personal income of $12,000 or minimum household income of $0
Bonus: spend $1k in 3 mos.
WELCOME BONUS
$180Flytrippers Valuation Welcome bonus: 25,000 pts ($250) Earn on min. spend: 5,000 pts ($50) Card fee: deducted (-$120) Additional annual spend bonus also offered
Welcome bonus: $300
Card Fee: $120
Earn rate on groceries: 5% fixed-value
BMO CashBack^® World Elite^®* MasterCard^®*
Card: $80k minimum income requiredMinimum personal income of $80,000 or minimum household income of $0
Bonus: spend $2k in 3 mos.
WELCOME BONUS
$200Flytrippers Valuation Welcome bonus: cashback ($200) Card fee: 1st year free (-$0) Official BMO Offer Get up to 10% cash back in your first 3 months and the $120 annual fee waived in the first year*
Welcome bonus: $200
Card Fee: $0
Earn rate on groceries: 5% cashback (max: $500/mo)
Scotia Momentum^® Visa Infinite* Card
Card: $60k minimum income requiredMinimum personal income of $60,000 or minimum household income of $0
Bonus: spend $2k in 3 mos.
WELCOME BONUS
$200Flytrippers Valuation Welcome bonus: cashback ($200) Card fee: 1st year free (-$0)
Welcome bonus: $200
Card Fee: $0 $120
Earn rate on groceries: 4% cashback
BMO eclipse Visa Infinite* Card
Card: $60k minimum income requiredMinimum personal income of $60,000 or minimum household income of $0
Bonus: spend $3k in 3 mos.
WELCOME BONUS
$360Flytrippers Valuation Welcome bonus: 30,000 pts ($200) Earn on min. spend: 9,000 pts ($60) Lifestyle credits: two in 1st year ($100) Card fee: first year free (-$0) Additional monthly spend bonus also offered
Welcome bonus: $360
Card Fee: $0 $120
Earn rate on groceries: 3.33% fixed-value
Tangerine World Mastercard^®
Card: $60k minimum income requiredMinimum personal income of $60,000 or minimum household income of $0
Bonus: spend $1k in 2 mos.
WELCOME BONUS	ends May 31st
$120Flytrippers Valuation Welcome bonus: 10% cashback ($100) Earn on min. spend: 2% in 3 categories ($20) Card fee: no annual fee (-$0)
Welcome bonus: $120
Card Fee: $0
Earn rate on groceries: 2% incl. Walmart Supercentres
Terms and conditions apply. Flytrippers editorial opinion only. Financial institutions are not responsible for maintaining the content on this site. Please click "See More" to see most up-to-date information.

Best credit cards in Canada for easy fixed-value travel credits

While variable-value rewards are the best to maximize the value you get, some prefer easy fixed-value travel credits that can be applied to any travel expense for a lot more flexibility (and are okay with sacrificing value for that). These are the best current offers for easy “eraser”-type points.

You can read our detailed page about the best credit cards in Canada for easy fixed-value travel credits (coming soon).

Best credit cards for easy travel credits		WELCOME BONUS ( VALUATION)	Best for
	HSBC World Elite^® Mastercard^® Card: $80k minimum income requiredMinimum personal income of $80,000 or minimum household income of $0 Bonus: spend $6k in 6 mos. (see QC offer)	$541Flytrippers Valuation (*as a fixed-value credit; ≈ $639 actual Valuation) Welcome bonus (no min. spend): 20,000 pts ($100) Welcome bonus (with min. spend): 40,000 pts ($200) Earn on min. spend: 18,000 pts ($90) Annual credit (Year 1): for travel ($100) Card fee (Year 1): first year free (-$0) Renewal bonus: 20,000 pts ($100) Annual credit (Year 2): for travel ($100) Card fee (Year 2): deducted (-$149) Welcome bonus: $541 Card Fee: $0 $149	Welcome bonus is very good
	American Express Cobalt^® Card Card: $0 minimum income requiredNo minimum income required. Bonus: spend $500/mo for 12 mos.	$444Flytrippers Valuation (*as a fixed-value credit; ≈ $744 actual Valuation) Welcome bonus: 30,000 pts ($300) Earn on min. spend: 30,000 pts ($300) Card fee: deducted (-$156) Welcome bonus: $600 Card Fee: $156	Big spenders or beginners
	American Express^® Gold Rewards Card Card: $0 minimum income requiredNo minimum income required. Bonus: spend $3k in 3 mos.	$295Flytrippers Valuation (*as a fixed-value credit; ≈ $518 actual Valuation) Welcome bonus: 40,000 pts ($400) Earn on min. spend: 4,500 pts ($45) Annual credit: for travel ($100) Card fee: deducted (-$250) Also offered but not included in Valuation: renewal bonus of 10,000 pts ($100) and a NEXUS credit ($50) Welcome bonus: $545 Card Fee: $250	Those who already have the Cobalt Card
	HSBC +Rewards^™ Mastercard^® Card: $0 minimum income requiredNo minimum income required. Bonus: spend $2k in 6 mos. (see QC offer)	$185Flytrippers Valuation Welcome bonus (upon approval): 5,000 pts ($25) Welcome bonus (after min. spend): 30,000 pts ($150) Earn on min. spend: 2,000 pts ($10) Card fee: 1st year free (-$0) Welcome bonus: $185 Card Fee: $0 $25	Non-Amex option no travel insurance
	Scotiabank Gold American Express^® Card Card: $12k minimum income requiredMinimum personal income of $12,000 or minimum household income of $0 Bonus: spend $1k in 3 mos.	$180Flytrippers Valuation Welcome bonus: 25,000 pts ($250) Earn on min. spend: 5,000 pts ($50) Card fee: deducted (-$120) Additional annual spend bonus also offered Welcome bonus: $300 Card Fee: $120	Very good travel insurance and earn rate
	Platinum Card^® from American Express Card: $0 minimum income requiredNo minimum income required. Bonus: spend $6k in 3 mos.	$161Flytrippers Valuation (*as a fixed-value credit; ≈ $491 actual Valuation) Welcome bonus: 60,000 pts ($600) Earn on min. spend: 6,000 pts ($60) Annual credit: for travel ($200) Card fee: deducted (-$699) Also offered but not in Valuation: renewal bonus of 20,000 pts ($200) and NEXUS credit ($100) Welcome bonus: $860 Card Fee: $699	Unlimited airport lounge access higher spend req.
	HSBC Travel Rewards Mastercard^® Card: $0 minimum income requiredNo minimum income required. Bonus: spend $1k in 6 mos. (see QC offer)	$130Flytrippers Valuation Welcome bonus: 25,000 points ($125) Earn on min. spend: 1,000 points ($5) Card fee: no annual fee (-$0) Welcome bonus: $130 Card Fee: $0	Easy & simple travel credit for any trip	limited time
	HSBC Cash Rewards Mastercard^® (excl. QC) Card: $0 minimum income requiredNo minimum income required. Bonus: spend $1k in 6 mos. (see QC offer)	$130Flytrippers Valuation Welcome bonus (on 1st $1k): additional 12.5% cash back ($125) Earn on min. spend: minimum of 0.5% cash back ($5) Card fee: no annual fee (-$0) Welcome bonus: $130 Card Fee: $0	Easy & simple cash rewards no fee
	Scotia Passport^™ Visa Infinite* Card Card: $60k minimum income requiredMinimum personal income of $60,000 or minimum household income of $0 Bonus: spend $1k in 3 mos.	$121Flytrippers Valuation Welcome bonus: 25,000 pts ($250) Earn on min. spend: 1,000 pts ($10) Card fee: deducted (-$120) Welcome bonus: $260 Card Fee: $139	6 airport lounge passes and no FX fees
Terms and conditions apply. Flytrippers editorial opinion only. Financial institutions are not responsible for maintaining the content on this site. Please click "See More" to see most up-to-date information.

Best credit cards for easy travel credits
HSBC World Elite^® Mastercard^®
Card: $80k minimum income requiredMinimum personal income of $80,000 or minimum household income of $0
Bonus: spend $6k in 6 mos. (see QC offer)
WELCOME BONUS
$541Flytrippers Valuation (*as a fixed-value credit; ≈ $639 actual Valuation) Welcome bonus (no min. spend): 20,000 pts ($100) Welcome bonus (with min. spend): 40,000 pts ($200) Earn on min. spend: 18,000 pts ($90) Annual credit (Year 1): for travel ($100) Card fee (Year 1): first year free (-$0) Renewal bonus: 20,000 pts ($100) Annual credit (Year 2): for travel ($100) Card fee (Year 2): deducted (-$149)
Welcome bonus: $541
Card Fee: $0 $149
Best for: Welcome bonus is very good
American Express Cobalt^® Card
Card: $0 minimum income requiredNo minimum income required.
Bonus: spend $500/mo for 12 mos.
WELCOME BONUS
$444Flytrippers Valuation (*as a fixed-value credit; ≈ $744 actual Valuation) Welcome bonus: 30,000 pts ($300) Earn on min. spend: 30,000 pts ($300) Card fee: deducted (-$156)
Welcome bonus: $600
Card Fee: $156
Best for: Big spenders or beginners
American Express^® Gold Rewards Card
Card: $0 minimum income requiredNo minimum income required.
Bonus: spend $3k in 3 mos.
WELCOME BONUS
$295Flytrippers Valuation (*as a fixed-value credit; ≈ $518 actual Valuation) Welcome bonus: 40,000 pts ($400) Earn on min. spend: 4,500 pts ($45) Annual credit: for travel ($100) Card fee: deducted (-$250) Also offered but not included in Valuation: renewal bonus of 10,000 pts ($100) and a NEXUS credit ($50)
Welcome bonus: $545
Card Fee: $250
Best for: Those who already have the Cobalt Card
HSBC +Rewards^™ Mastercard^®
Card: $0 minimum income requiredNo minimum income required.
Bonus: spend $2k in 6 mos. (see QC offer)
WELCOME BONUS
$185Flytrippers Valuation Welcome bonus (upon approval): 5,000 pts ($25) Welcome bonus (after min. spend): 30,000 pts ($150) Earn on min. spend: 2,000 pts ($10) Card fee: 1st year free (-$0)
Welcome bonus: $185
Card Fee: $0 $25
Best for: Non-Amex option no travel insurance
Scotiabank Gold American Express^® Card
Card: $12k minimum income requiredMinimum personal income of $12,000 or minimum household income of $0
Bonus: spend $1k in 3 mos.
WELCOME BONUS
$180Flytrippers Valuation Welcome bonus: 25,000 pts ($250) Earn on min. spend: 5,000 pts ($50) Card fee: deducted (-$120) Additional annual spend bonus also offered
Welcome bonus: $300
Card Fee: $120
Best for: Very good travel insurance and earn rate
Platinum Card^® from American Express
Card: $0 minimum income requiredNo minimum income required.
Bonus: spend $6k in 3 mos.
WELCOME BONUS
$161Flytrippers Valuation (*as a fixed-value credit; ≈ $491 actual Valuation) Welcome bonus: 60,000 pts ($600) Earn on min. spend: 6,000 pts ($60) Annual credit: for travel ($200) Card fee: deducted (-$699) Also offered but not in Valuation: renewal bonus of 20,000 pts ($200) and NEXUS credit ($100)
Welcome bonus: $860
Card Fee: $699
Best for: Unlimited airport lounge access higher spend req.
HSBC Travel Rewards Mastercard^®
Card: $0 minimum income requiredNo minimum income required.
Bonus: spend $1k in 6 mos. (see QC offer)
WELCOME BONUS	limited time
$130Flytrippers Valuation Welcome bonus: 25,000 points ($125) Earn on min. spend: 1,000 points ($5) Card fee: no annual fee (-$0)
Welcome bonus: $130
Card Fee: $0
Best for: Easy & simple travel credit for any trip
HSBC Cash Rewards Mastercard^® (excl. QC)
Card: $0 minimum income requiredNo minimum income required.
Bonus: spend $1k in 6 mos. (see QC offer)
WELCOME BONUS
$130Flytrippers Valuation Welcome bonus (on 1st $1k): additional 12.5% cash back ($125) Earn on min. spend: minimum of 0.5% cash back ($5) Card fee: no annual fee (-$0)
Welcome bonus: $130
Card Fee: $0
Best for: Easy & simple cash rewards no fee
Scotia Passport^™ Visa Infinite* Card
Card: $60k minimum income requiredMinimum personal income of $60,000 or minimum household income of $0
Bonus: spend $1k in 3 mos.
WELCOME BONUS
$121Flytrippers Valuation Welcome bonus: 25,000 pts ($250) Earn on min. spend: 1,000 pts ($10) Card fee: deducted (-$120)
Welcome bonus: $260
Card Fee: $139
Best for: 6 airport lounge passes and no FX fees
Terms and conditions apply. Flytrippers editorial opinion only. Financial institutions are not responsible for maintaining the content on this site. Please click "See More" to see most up-to-date information.

Best credit cards in Canada for AIR MILES Rewards

The AIR MILES program is widely-known but quite misused: like any rewards program, you can get the highest potential value by using it for travel. And AIR MILES Miles are easy to earn with many credit cards available.

You can read our detailed page about the best credit cards in Canada for AIR MILES Rewards (coming soon).

Best credit cards for AIR MILES Rewards		WELCOME BONUS ( VALUATION)	AIR MILES Miles
	BMO AIR MILES^®† World Elite^®* MasterCard^®* Card: $80k minimum income requiredMinimum personal income of $80,000 or minimum household income of $150,000 Bonus: spend $3k in 3 mos.	≈ $279Flytrippers Valuation Welcome bonus: 2,000 pts (≈ $240) Earn on min. spend: 325 pts (≈ $39) Card fee: 1st year free (-$0) Welcome bonus: $279 Card Fee: $0 $120	2,325 Miles after welcome bonus
	American Express^® AIR MILES^®* Platinum Card Card: $0 minimum income requiredNo minimum income required. Bonus: spend $1.5k in 3 mos.	≈ $156Flytrippers Valuation Welcome bonus: 2,000 pts (≈ $240) Earn on min. spend: 300 pts (≈ $36) Card fee: deducted (-$120) Welcome bonus: $276 Card Fee: $120	2,300 Miles after welcome bonus
	BMO AIR MILES^®† MasterCard^®* Card: $15k minimum income requiredMinimum personal income of $15,000 or minimum household income of $0 Bonus: spend $1k in 3 mos.	≈ $110Flytrippers Valuation Welcome bonus: 800 pts (≈ $96) Earn on min. spend: 120 pts (≈ $14) Card fee: no annual fee (-$0) Welcome bonus: $110 Card Fee: $0	920 Miles after welcome bonus
	American Express^® AIR MILES^®* Reserve Card Card: $0 minimum income requiredNo minimum income required. Bonus: spend $3k in 3 mos.	≈ $13Flytrippers Valuation Welcome bonus: 2,400 miles (≈ $288) Earn on min. spend: 200 miles (≈ $24) Card fee: deducted (-$299) Welcome bonus: $312 Card Fee: $299	2,600 Miles after welcome bonus
	American Express^® AIR MILES^®* for Business Card Card: no business required Bonus: spend $5k in 3 mos.	≈ $100Flytrippers Valuation Welcome bonus: 2,000 pts (≈ $240) Earn on min. spend: 333 pts (≈ $40) Card fee: deducted (-$180) Welcome bonus: $280 Card Fee: $180	2,300 Miles after welcome bonus
	BMO AIR MILES^®† World Elite^®* Business Mastercard^®* Card: business required Bonus: spend $5k in 3 mos.	≈ $420Flytrippers Valuation Welcome bonus: 3,000 pts (≈ $360) Earn on min. spend: 500 pts (≈ $60) Card fee: 1st year free (-$0) Welcome bonus: $420 Card Fee: $0 $120	3,500 Miles after welcome bonus
	BMO^® AIR MILES^®† No-Fee Business^® Mastercard^®* Card: business required Bonus: spend $3k in 3 mos.	≈ $138Flytrippers Valuation Welcome bonus: 1,000 pts (≈ $120) Earn on min. spend: 150 pts (≈ $18) Card fee: no annual fee (-$0) Welcome bonus: $138 Card Fee: $0	1,150 Miles after welcome bonus
Terms and conditions apply. Flytrippers editorial opinion only. Financial institutions are not responsible for maintaining the content on this site. Please click "See More" to see most up-to-date information.

Best credit cards for AIR MILES Rewards
BMO AIR MILES^®† World Elite^®* MasterCard^®*
Card: $80k minimum income requiredMinimum personal income of $80,000 or minimum household income of $150,000
Bonus: spend $3k in 3 mos.
WELCOME BONUS
≈ $279Flytrippers Valuation Welcome bonus: 2,000 pts (≈ $240) Earn on min. spend: 325 pts (≈ $39) Card fee: 1st year free (-$0)
Welcome bonus: $279
Card Fee: $0 $120
AIR MILES Miles: 2,325 Miles after welcome bonus
American Express^® AIR MILES^®* Platinum Card
Card: $0 minimum income requiredNo minimum income required.
Bonus: spend $1.5k in 3 mos.
WELCOME BONUS
≈ $156Flytrippers Valuation Welcome bonus: 2,000 pts (≈ $240) Earn on min. spend: 300 pts (≈ $36) Card fee: deducted (-$120)
Welcome bonus: $276
Card Fee: $120
AIR MILES Miles: 2,300 Miles after welcome bonus
BMO AIR MILES^®† MasterCard^®*
Card: $15k minimum income requiredMinimum personal income of $15,000 or minimum household income of $0
Bonus: spend $1k in 3 mos.
WELCOME BONUS
≈ $110Flytrippers Valuation Welcome bonus: 800 pts (≈ $96) Earn on min. spend: 120 pts (≈ $14) Card fee: no annual fee (-$0)
Welcome bonus: $110
Card Fee: $0
AIR MILES Miles: 920 Miles after welcome bonus
American Express^® AIR MILES^®* Reserve Card
Card: $0 minimum income requiredNo minimum income required.
Bonus: spend $3k in 3 mos.
WELCOME BONUS
≈ $13Flytrippers Valuation Welcome bonus: 2,400 miles (≈ $288) Earn on min. spend: 200 miles (≈ $24) Card fee: deducted (-$299)
Welcome bonus: $312
Card Fee: $299
AIR MILES Miles: 2,600 Miles after welcome bonus
American Express^® AIR MILES^®* for Business Card
Card: no business required
Bonus: spend $5k in 3 mos.
WELCOME BONUS
≈ $100Flytrippers Valuation Welcome bonus: 2,000 pts (≈ $240) Earn on min. spend: 333 pts (≈ $40) Card fee: deducted (-$180)
Welcome bonus: $280
Card Fee: $180
AIR MILES Miles: 2,300 Miles after welcome bonus
BMO AIR MILES^®† World Elite^®* Business Mastercard^®*
Card: business required
Bonus: spend $5k in 3 mos.
WELCOME BONUS
≈ $420Flytrippers Valuation Welcome bonus: 3,000 pts (≈ $360) Earn on min. spend: 500 pts (≈ $60) Card fee: 1st year free (-$0)
Welcome bonus: $420
Card Fee: $0 $120
AIR MILES Miles: 3,500 Miles after welcome bonus
BMO^® AIR MILES^®† No-Fee Business^® Mastercard^®*
Card: business required
Bonus: spend $3k in 3 mos.
WELCOME BONUS
≈ $138Flytrippers Valuation Welcome bonus: 1,000 pts (≈ $120) Earn on min. spend: 150 pts (≈ $18) Card fee: no annual fee (-$0)
Welcome bonus: $138
Card Fee: $0
AIR MILES Miles: 1,150 Miles after welcome bonus
Terms and conditions apply. Flytrippers editorial opinion only. Financial institutions are not responsible for maintaining the content on this site. Please click "See More" to see most up-to-date information.

Best credit cards in Canada for Marriott Bonvoy points

Marriott has by far the best hotel rewards program for Canadians, and it is so easy to get many many free hotel nights. This is especially great for those who are like us and are able to find cheap flights anyways (and want to maximize the value they get from rewards).

You can read our detailed page about the best credit cards in Canada for Marriott Bonvoy points (coming soon).

Best credit cards for Marriott points		WELCOME BONUS ( VALUATION)	Marriott points
	American Express Cobalt^® Card Card: $0 minimum income requiredNo minimum income required. Bonus: spend $500/mo for 12 mos.	≈ $492Flytrippers Valuation (*as Marriott pts; ≈ $744 actual Valuation) Welcome bonus: 36,000 pts (≈ $324) Earn on min. spend: 36,000 pts (≈ $324) Card fee: deducted (-$156) Welcome bonus: $648 Card Fee: $156	72,000 pts after welcome bonus
	Marriott Bonvoy^® American Express^®* Card Card: $0 minimum income requiredNo minimum income required. Bonus: spend $1.5k in 3 mos.	≈ $357Flytrippers Valuation Welcome bonus: 50,000 pts (≈ $450) Earn on min. spend: 3,000 pts (≈ $27) Card fee: deducted (-$120) Welcome bonus: $477 Card Fee: $120	53,000 pts after welcome bonus
	American Express^® Green Card Card: $0 minimum income requiredNo minimum income required. Bonus: spend $1k in 3 mos.	≈ $119Flytrippers Valuation (*as Marriott pts; ≈ $165 actual Valuation) Welcome bonus: 12,000 pts (≈ $108) Earn on min. spend: 1,200 pts (≈ $11) Card fee: no annual fee (-$0) Welcome bonus: $119 Card Fee: $0	13,200 pts after welcome bonus
	Marriott Bonvoy^™ Business American Express^® Card Card: no business required Bonus: spend $1.5k in 3 mos.	≈ $327Flytrippers Valuation Welcome bonus: 50,000 pts (≈ $450) Earn on min. spend: 3,000 pts (≈ $27) Card fee: deducted (-$150) Welcome bonus: $477 Card Fee: $150	53,000 pts after welcome bonus
	American Express Business Edge^™ Card Card: no business required Bonus: spend $5k in 3 mos.	≈ $495 Welcome bonus: 54,000 pts (≈ $486) Earn on min. spend: 12,000 pts (≈ $108) Card fee: deducted (-$99) Welcome bonus: $594 Card Fee: $99	66,000 pts after welcome bonus	limited time
Terms and conditions apply. Flytrippers editorial opinion only. Financial institutions are not responsible for maintaining the content on this site. Please click "See More" to see most up-to-date information.

Best credit cards for Marriott points
American Express Cobalt^® Card
Card: $0 minimum income requiredNo minimum income required.
Bonus: spend $500/mo for 12 mos.
WELCOME BONUS
≈ $492Flytrippers Valuation (*as Marriott pts; ≈ $744 actual Valuation) Welcome bonus: 36,000 pts (≈ $324) Earn on min. spend: 36,000 pts (≈ $324) Card fee: deducted (-$156)
Welcome bonus: $648
Card Fee: $156
Marriott points: 72,000 pts after welcome bonus
Marriott Bonvoy^® American Express^®* Card
Card: $0 minimum income requiredNo minimum income required.
Bonus: spend $1.5k in 3 mos.
WELCOME BONUS
≈ $357Flytrippers Valuation Welcome bonus: 50,000 pts (≈ $450) Earn on min. spend: 3,000 pts (≈ $27) Card fee: deducted (-$120)
Welcome bonus: $477
Card Fee: $120
Marriott points: 53,000 pts after welcome bonus
American Express^® Green Card
Card: $0 minimum income requiredNo minimum income required.
Bonus: spend $1k in 3 mos.
WELCOME BONUS
≈ $119Flytrippers Valuation (*as Marriott pts; ≈ $165 actual Valuation) Welcome bonus: 12,000 pts (≈ $108) Earn on min. spend: 1,200 pts (≈ $11) Card fee: no annual fee (-$0)
Welcome bonus: $119
Card Fee: $0
Marriott points: 13,200 pts after welcome bonus
Marriott Bonvoy^™ Business American Express^® Card
Card: no business required
Bonus: spend $1.5k in 3 mos.
WELCOME BONUS
≈ $327Flytrippers Valuation Welcome bonus: 50,000 pts (≈ $450) Earn on min. spend: 3,000 pts (≈ $27) Card fee: deducted (-$150)
Welcome bonus: $477
Card Fee: $150
Marriott points: 53,000 pts after welcome bonus
American Express Business Edge^™ Card
Card: no business required
Bonus: spend $5k in 3 mos.
WELCOME BONUS	limited time
≈ $495 Welcome bonus: 54,000 pts (≈ $486) Earn on min. spend: 12,000 pts (≈ $108) Card fee: deducted (-$99)
Welcome bonus: $594
Card Fee: $99
Marriott points: 66,000 pts after welcome bonus
Terms and conditions apply. Flytrippers editorial opinion only. Financial institutions are not responsible for maintaining the content on this site. Please click "See More" to see most up-to-date information.

Best credit cards in Canada for cashback

Travel rewards are a lot better than cashback if you want to get more value. And some types of travel rewards are just as simple and flexible as cashback. But some still prefer cashback, so here are the few cashback cards that at least have good welcome bonuses.

You can read our detailed page about the best credit cards in Canada for cashback (coming soon).

Best credit cards for cash back		WELCOME BONUS ( VALUATION)	Earn rate
	American Express Cobalt^® Card Card: $0 minimum income requiredNo minimum income required. Bonus: spend $500/mo for 12 mos.	$444Flytrippers Valuation (*as cash back; ≈ $744 actual Valuation) Welcome bonus: 30,000 pts ($300) Earn on min. spend: 30,000 pts ($300) Card fee: deducted (-$156) Welcome bonus: $600 Card Fee: $156	5% grocery (1-3% elsewhere)
	Scotia Momentum^® Visa Infinite* Card Card: $60k minimum income requiredMinimum personal income of $60,000 or minimum household income of $0 Bonus: spend $2k in 3 mos.	$200Flytrippers Valuation Welcome bonus: cashback ($200) Card fee: 1st year free (-$0) Welcome bonus: $200 Card Fee: $0	4% on groceries (1-2% elsewhere)
	BMO CashBack^® World Elite^®* MasterCard^®* Card: $80k minimum income requiredMinimum personal income of $80,000 or minimum household income of $0 Bonus: spend $2k in 3 mos.	$200Flytrippers Valuation Welcome bonus: cashback ($200) Card fee: 1st year free (-$0) Official BMO Offer Get up to 10% cash back in your first 3 months and the $120 annual fee waived in the first year* Welcome bonus: $200 Card Fee: $0 $120	5% (with monthly cap) on groceries (1-4% elsewhere)
	SimplyCash^™ Preferred Card from American Express^® Card: $0 minimum income requiredNo minimum income required. Bonus: spend $4k in 4 mos.	$301Flytrippers Valuation Welcome bonus: cashback ($400) Card fee: deducted (-$99) Welcome bonus: $400 Card Fee: $99	2% on everything
	American Express^® AIR MILES^®* Platinum Card Card: $0 minimum income requiredNo minimum income required. Bonus: spend $1.5k in 3 mos.	$122Flytrippers Valuation Welcome bonus: 2,000 pts ($210) Earn on min. spend: 300 pts ($32) Card fee: deducted (-$120) Welcome bonus: $242 Card Fee: $120	2.1% on food & gas (1.05% elsewhere)
	Tangerine World Mastercard^® Card: $60k minimum income requiredMinimum personal income of $60,000 or minimum household income of $0 Bonus: spend $1k in 2 mos.	$120Flytrippers Valuation Welcome bonus: 10% cashback ($100) Earn on min. spend: 2% in 3 categories ($20) Card fee: no annual fee (-$0) Welcome bonus: $120 Card Fee: $0	2% choice of 3 categories	ends May 31st
	BMO AIR MILES^®† MasterCard^®* Card: $15k minimum income requiredMinimum personal income of $15,000 or minimum household income of $0 Bonus: spend $1k in 3 mos.	$97Flytrippers Valuation Welcome bonus: 800 pts ($84) Earn on min. spend: 120 pts ($13) Card fee: no annual fee (-$0) Welcome bonus: $97 Card Fee: $0	1.26% at AM partners (0.42% elsewhere)
	BMO AIR MILES^®† World Elite^®* MasterCard^®* Card: $80k minimum income requiredMinimum personal income of $80,000 or minimum household income of $0 Bonus: spend $3k in 3 mos.	$244Flytrippers Valuation Welcome bonus: 2,000 pts ($210) Earn on min. spend: 325 pts ($34) Card fee: 1st year free (-$0) Welcome bonus: $244 Card Fee: $0 $120	1.05% (2.63% at AM partners)
	SimplyCash^™ Card from American Express^® Card: $0 minimum income requiredNo minimum income required. Bonus: spend $6k in 3 mos.	$150Flytrippers Valuation Welcome bonus: cashback ($150) Card fee: no annual fee (-$0) Welcome bonus: $150 Card Fee: $0	1.25% on everything
	HSBC Cash Rewards Mastercard^® (excl. QC) Card: $0 minimum income requiredNo minimum income required. Bonus: spend $2k in 6 mos. (see QC offer)	$110Flytrippers Valuation Welcome bonus: additional 5% cash back ($110) Earn on min. spend: minimum of 0.5% cash back ($10) Card fee: no annual fee (-$0) Welcome bonus: $110 Card Fee: $0	1.50% online (0.5-1% elsewhere)
Terms and conditions apply. Flytrippers editorial opinion only. Financial institutions are not responsible for maintaining the content on this site. Please click "See More" to see most up-to-date information.

Best credit cards for cash back
American Express Cobalt^® Card
Card: $0 minimum income requiredNo minimum income required.
Bonus: spend $500/mo for 12 mos.
WELCOME BONUS
$444Flytrippers Valuation (*as cash back; ≈ $744 actual Valuation) Welcome bonus: 30,000 pts ($300) Earn on min. spend: 30,000 pts ($300) Card fee: deducted (-$156)
Welcome bonus: $600
Card Fee: $156
Earn rate: 5% grocery (1-3% elsewhere)
Scotia Momentum^® Visa Infinite* Card
Card: $60k minimum income requiredMinimum personal income of $60,000 or minimum household income of $0
Bonus: spend $2k in 3 mos.
WELCOME BONUS
$200Flytrippers Valuation Welcome bonus: cashback ($200) Card fee: 1st year free (-$0)
Welcome bonus: $200
Card Fee: $0
Earn rate: 4% on groceries (1-2% elsewhere)
BMO CashBack^® World Elite^®* MasterCard^®*
Card: $80k minimum income requiredMinimum personal income of $80,000 or minimum household income of $0
Bonus: spend $2k in 3 mos.
WELCOME BONUS
$200Flytrippers Valuation Welcome bonus: cashback ($200) Card fee: 1st year free (-$0) Official BMO Offer Get up to 10% cash back in your first 3 months and the $120 annual fee waived in the first year*
Welcome bonus: $200
Card Fee: $0 $120
Earn rate: 5% (with monthly cap) on groceries (1-4% elsewhere)
SimplyCash^™ Preferred Card from American Express^®
Card: $0 minimum income requiredNo minimum income required.
Bonus: spend $4k in 4 mos.
WELCOME BONUS
$301Flytrippers Valuation Welcome bonus: cashback ($400) Card fee: deducted (-$99)
Welcome bonus: $400
Card Fee: $99
Earn rate: 2% on everything
American Express^® AIR MILES^®* Platinum Card
Card: $0 minimum income requiredNo minimum income required.
Bonus: spend $1.5k in 3 mos.
WELCOME BONUS
$122Flytrippers Valuation Welcome bonus: 2,000 pts ($210) Earn on min. spend: 300 pts ($32) Card fee: deducted (-$120)
Welcome bonus: $242
Card Fee: $120
Earn rate: 2.1% on food & gas (1.05% elsewhere)
Tangerine World Mastercard^®
Card: $60k minimum income requiredMinimum personal income of $60,000 or minimum household income of $0
Bonus: spend $1k in 2 mos.
WELCOME BONUS	ends May 31st
$120Flytrippers Valuation Welcome bonus: 10% cashback ($100) Earn on min. spend: 2% in 3 categories ($20) Card fee: no annual fee (-$0)
Welcome bonus: $120
Card Fee: $0
Earn rate: 2% choice of 3 categories
BMO AIR MILES^®† MasterCard^®*
Card: $15k minimum income requiredMinimum personal income of $15,000 or minimum household income of $0
Bonus: spend $1k in 3 mos.
WELCOME BONUS
$97Flytrippers Valuation Welcome bonus: 800 pts ($84) Earn on min. spend: 120 pts ($13) Card fee: no annual fee (-$0)
Welcome bonus: $97
Card Fee: $0
Earn rate: 1.26% at AM partners (0.42% elsewhere)
BMO AIR MILES^®† World Elite^®* MasterCard^®*
Card: $80k minimum income requiredMinimum personal income of $80,000 or minimum household income of $0
Bonus: spend $3k in 3 mos.
WELCOME BONUS
$244Flytrippers Valuation Welcome bonus: 2,000 pts ($210) Earn on min. spend: 325 pts ($34) Card fee: 1st year free (-$0)
Welcome bonus: $244
Card Fee: $0 $120
Earn rate: 1.05% (2.63% at AM partners)
SimplyCash^™ Card from American Express^®
Card: $0 minimum income requiredNo minimum income required.
Bonus: spend $6k in 3 mos.
WELCOME BONUS
$150Flytrippers Valuation Welcome bonus: cashback ($150) Card fee: no annual fee (-$0)
Welcome bonus: $150
Card Fee: $0
Earn rate: 1.25% on everything
HSBC Cash Rewards Mastercard^® (excl. QC)
Card: $0 minimum income requiredNo minimum income required.
Bonus: spend $2k in 6 mos. (see QC offer)
WELCOME BONUS
$110Flytrippers Valuation Welcome bonus: additional 5% cash back ($110) Earn on min. spend: minimum of 0.5% cash back ($10) Card fee: no annual fee (-$0)
Welcome bonus: $110
Card Fee: $0
Earn rate: 1.50% online (0.5-1% elsewhere)
Terms and conditions apply. Flytrippers editorial opinion only. Financial institutions are not responsible for maintaining the content on this site. Please click "See More" to see most up-to-date information.

Best credit cards in Canada for balance transfers

You should never carry a balance on a credit card. If you do, fixing that should be your #1 financial priority (the yearly thousand dollars in travel rewards you can get with credit cards should be good motivation). But if you are carrying a balance, in the meantime these cards will at least help you save on interest by doing a transfer.

You can read our detailed page about the best credit cards in Canada for balance transfers (coming soon).

Best credit cards for balance transfers		WELCOME BONUS ( VALUATION)	Interest rate
	Tangerine Money-Back Card Card: $0 minimum income requiredNo minimum income required. Bonus: spend $1k in 2 mos.	$120Flytrippers Valuation Welcome bonus: 10% cashback ($100) Earn on min. spend: 2% in 3 categories ($20) Card fee: no annual fee (-$0) Welcome bonus: $120 Card Fee: $0	1.95% for 6 mos 1% transfer fee	ends May 31st
	BMO AIR MILES^®† MasterCard^®* Card: $15k minimum income requiredMinimum personal income of $15,000 or minimum household income of $0 Bonus: spend $1k in 3 mos.	≈ $110Flytrippers Valuation Welcome bonus: 800 pts (≈ $96) Earn on min. spend: 120 pts (≈ $14) Card fee: no annual fee (-$0) Welcome bonus: $110 Card Fee: $0	1.99% for 9 mos 1% transfer fee
	BMO Rewards^® MasterCard^®* Card: $15k minimum income requiredMinimum personal income of $15,000 or minimum household income of $0 Bonus: spend $1k in 3 mos.	$74Flytrippers Valuation Welcome bonus: 10,000 pts ($67) Earn on min. spend: 1,000 pts ($7) Card fee: no annual fee (-$0) Welcome bonus: $74 Card Fee: $0	1.99% for 9 mos 1% transfer fee
	BMO CashBack^® MasterCard^®* Card: $15k minimum income requiredMinimum personal income of $15,000 or minimum household income of $0 Bonus: spend $500 in 3 mos.	$25Flytrippers Valuation Welcome bonus: cashback ($25) Card fee: no annual fee (-$0) Official BMO Offer Get 5% cash back in your first 3 months* Welcome bonus: $25 Card Fee: $0	1.99% for 9 mos 1% transfer fee
	President's Choice Financial^® Mastercard^® Card: $0 minimum income requiredNo minimum income required. Bonus: spend $0 (1 purchase)	$20Flytrippers Valuation Welcome bonus: 20,000 pts ($20) Card fee: no annual fee (-$0) Welcome bonus: $20 Card Fee: $0	0.97% for 6 mos 0% transfer fee
	Scotiabank Value^® Visa* Card Card: $12k minimum income requiredMinimum personal income of $12,000 or minimum household income of $0 Bonus: no welcome bonus	–$29Flytrippers Valuation Welcome bonus: none ($0) Card fee: deducted (-$29) Welcome bonus: $0 Card Fee: $29	0.99% for 6 mos 0% transfer fee
Terms and conditions apply. Flytrippers editorial opinion only. Financial institutions are not responsible for maintaining the content on this site. Please click "See More" to see most up-to-date information.

Best credit cards for balance transfers
Tangerine Money-Back Card
Card: $0 minimum income requiredNo minimum income required.
Bonus: spend $1k in 2 mos.
WELCOME BONUS	ends May 31st
$120Flytrippers Valuation Welcome bonus: 10% cashback ($100) Earn on min. spend: 2% in 3 categories ($20) Card fee: no annual fee (-$0)
Welcome bonus: $120
Card Fee: $0
Interest rate: 1.95% for 6 mos 1% transfer fee
BMO AIR MILES^®† MasterCard^®*
Card: $15k minimum income requiredMinimum personal income of $15,000 or minimum household income of $0
Bonus: spend $1k in 3 mos.
WELCOME BONUS
≈ $110Flytrippers Valuation Welcome bonus: 800 pts (≈ $96) Earn on min. spend: 120 pts (≈ $14) Card fee: no annual fee (-$0)
Welcome bonus: $110
Card Fee: $0
Interest rate: 1.99% for 9 mos 1% transfer fee
BMO Rewards^® MasterCard^®*
Card: $15k minimum income requiredMinimum personal income of $15,000 or minimum household income of $0
Bonus: spend $1k in 3 mos.
WELCOME BONUS
$74Flytrippers Valuation Welcome bonus: 10,000 pts ($67) Earn on min. spend: 1,000 pts ($7) Card fee: no annual fee (-$0)
Welcome bonus: $74
Card Fee: $0
Interest rate: 1.99% for 9 mos 1% transfer fee
BMO CashBack^® MasterCard^®*
Card: $15k minimum income requiredMinimum personal income of $15,000 or minimum household income of $0
Bonus: spend $500 in 3 mos.
WELCOME BONUS
$25Flytrippers Valuation Welcome bonus: cashback ($25) Card fee: no annual fee (-$0) Official BMO Offer Get 5% cash back in your first 3 months*
Welcome bonus: $25
Card Fee: $0
Interest rate: 1.99% for 9 mos 1% transfer fee
President's Choice Financial^® Mastercard^®
Card: $0 minimum income requiredNo minimum income required.
Bonus: spend $0 (1 purchase)
WELCOME BONUS
$20Flytrippers Valuation Welcome bonus: 20,000 pts ($20) Card fee: no annual fee (-$0)
Welcome bonus: $20
Card Fee: $0
Interest rate: 0.97% for 6 mos 0% transfer fee
Scotiabank Value^® Visa* Card
Card: $12k minimum income requiredMinimum personal income of $12,000 or minimum household income of $0
Bonus: no welcome bonus
WELCOME BONUS
–$29Flytrippers Valuation Welcome bonus: none ($0) Card fee: deducted (-$29)
Welcome bonus: $0
Card Fee: $29
Interest rate: 0.99% for 6 mos 0% transfer fee
Terms and conditions apply. Flytrippers editorial opinion only. Financial institutions are not responsible for maintaining the content on this site. Please click "See More" to see most up-to-date information.

Best credit cards in Canada with no foreign transaction fees

Almost every Canadian credit card charges a 2.5% fee on all transactions in foreign currencies, which might still be worth paying overall, depending on your card strategy. But these are the best credit cards to avoid that fee altogether.

You can read our detailed page about the best credit cards in Canada with no foreign transaction fees (coming soon).

Best credit cards with no foreign transaction fees		WELCOME BONUS ( VALUATION)	Other benefit
	HSBC World Elite^® Mastercard^® Card: $80k minimum income requiredMinimum personal income of $80,000 or minimum household income of $0 Bonus: spend $6k in 6 mos. (see QC offer)	≈ $639Flytrippers Valuation Welcome bonus (no min. spend): 20,000 pts (≈ $120) Welcome bonus (with min. spend): 40,000 pts (≈ $240) Earn on min. spend: 18,000 pts (≈ $108) Annual credit (Year 1): for travel ($100) Card fee (Year 1): first year free (-$0) Renewal bonus: 20,000 pts (≈ $120) Annual credit (Year 2): for travel ($100) Card fee (Year 2): deducted (-$149) Welcome bonus: $639 Card Fee: $0 $149	Welcome bonus is very good
	Scotiabank Gold American Express^® Card Card: $12k minimum income requiredMinimum personal income of $12,000 or minimum household income of $0 Bonus: spend $1k in 3 mos.	$180Flytrippers Valuation Welcome bonus: 25,000 pts ($250) Earn on min. spend: 5,000 pts ($50) Card fee: deducted (-$120) Additional annual spend bonus also offered Welcome bonus: $300 Card Fee: $120	Very good travel insurance and earn rate
	Scotia Passport^™ Visa Infinite* Card Card: $60k minimum income requiredMinimum personal income of $60,000 or minimum household income of $0 Bonus: spend $1k in 3 mos.	$121Flytrippers Valuation Welcome bonus: 25,000 pts ($250) Earn on min. spend: 1,000 pts ($10) Card fee: deducted (-$120) Welcome bonus: $260 Card Fee: $139	Airport lounge access 6 passes
	Brim Mastercard Card: $0 minimum income requiredNo minimum income required. Bonus: no welcome bonus	$0Flytrippers Valuation Welcome bonus: none ($0) Card fee: no annual fee (-$0) Welcome bonus: $0 Card Fee: $0	No-fee card add-on w/ other card
	Brim World Elite Mastercard Card: $80k minimum income requiredMinimum personal income of $80,000 or minimum household income of $0 Bonus: no welcome bonus	$0Flytrippers Valuation Welcome bonus: none ($0) Card fee: 1st year free (-$0) Welcome bonus: $0 Card Fee: $0 $199	No minimum spend add-on w/ other card	limited time
Terms and conditions apply. Flytrippers editorial opinion only. Financial institutions are not responsible for maintaining the content on this site. Please click "See More" to see most up-to-date information.

Best credit cards with no foreign transaction fees
HSBC World Elite^® Mastercard^®
Card: $80k minimum income requiredMinimum personal income of $80,000 or minimum household income of $0
Bonus: spend $6k in 6 mos. (see QC offer)
WELCOME BONUS
≈ $639Flytrippers Valuation Welcome bonus (no min. spend): 20,000 pts (≈ $120) Welcome bonus (with min. spend): 40,000 pts (≈ $240) Earn on min. spend: 18,000 pts (≈ $108) Annual credit (Year 1): for travel ($100) Card fee (Year 1): first year free (-$0) Renewal bonus: 20,000 pts (≈ $120) Annual credit (Year 2): for travel ($100) Card fee (Year 2): deducted (-$149)
Welcome bonus: $639
Card Fee: $0 $149
Other benefit: Welcome bonus is very good
Scotiabank Gold American Express^® Card
Card: $12k minimum income requiredMinimum personal income of $12,000 or minimum household income of $0
Bonus: spend $1k in 3 mos.
WELCOME BONUS
$180Flytrippers Valuation Welcome bonus: 25,000 pts ($250) Earn on min. spend: 5,000 pts ($50) Card fee: deducted (-$120) Additional annual spend bonus also offered
Welcome bonus: $300
Card Fee: $120
Other benefit: Very good travel insurance and earn rate
Scotia Passport^™ Visa Infinite* Card
Card: $60k minimum income requiredMinimum personal income of $60,000 or minimum household income of $0
Bonus: spend $1k in 3 mos.
WELCOME BONUS
$121Flytrippers Valuation Welcome bonus: 25,000 pts ($250) Earn on min. spend: 1,000 pts ($10) Card fee: deducted (-$120)
Welcome bonus: $260
Card Fee: $139
Other benefit: Airport lounge access 6 passes
Brim Mastercard
Card: $0 minimum income requiredNo minimum income required.
Bonus: no welcome bonus
WELCOME BONUS
$0Flytrippers Valuation Welcome bonus: none ($0) Card fee: no annual fee (-$0)
Welcome bonus: $0
Card Fee: $0
Other benefit: No-fee card add-on w/ other card
Brim World Elite Mastercard
Card: $80k minimum income requiredMinimum personal income of $80,000 or minimum household income of $0
Bonus: no welcome bonus
WELCOME BONUS	limited time
$0Flytrippers Valuation Welcome bonus: none ($0) Card fee: 1st year free (-$0)
Welcome bonus: $0
Card Fee: $0 $199
Other benefit: No minimum spend add-on w/ other card
Terms and conditions apply. Flytrippers editorial opinion only. Financial institutions are not responsible for maintaining the content on this site. Please click "See More" to see most up-to-date information.

Best credit cards in Canada for airport lounge access

The only thing better than airport lounge access is free airport lounge access. We love airport lounges. And it’s easy for any Canadian to get free airport lounge access with these cards, no matter how often you travel.

You can read our detailed page about the best credit cards in Canada for airport lounge access (coming soon).

Best credit cards for airport lounge access		WELCOME BONUS ( VALUATION)	Lounge passes
	Platinum Card^® from American Express Card: $0 minimum income requiredNo minimum income required. Bonus: spend $6k in 3 mos.	≈ $491Flytrippers Valuation Welcome bonus: 60,000 pts (≈ $900) Earn on min. spend: 6,000 pts (≈ $90) Annual credit: for travel ($200) Card fee: deducted (-$699) Also offered but not in Valuation: renewal bonus of 20,000 pts (≈ $300) and NEXUS credit ($100) Welcome bonus: $1190 Card Fee: $699	∞ (unlimited + 1 guest) worldwide Priority Pass + more
	American Express^® Aeroplan^®* Reserve Card Card: $0 minimum income requiredNo minimum income required. Bonus: spend $3k in 3 mos.	≈ $57Flytrippers Valuation Welcome bonus: 25,000 pts (≈ $375) Monthly bonus for 3 mos. (evenly split $3k): 15,000 pts (≈ $225) Earn on min. spend: 3,750 pts (≈ $56) Card fee: deducted (-$599) Additional monthly spend bonus also offered Welcome bonus: $656 Card Fee: $599	∞ (unlimited, 1 guest) in North America Air Canada Lounges (on *A)
	Scotia Passport^™ Visa Infinite* Card Card: $60k minimum income requiredMinimum personal income of $60,000 or minimum household income of $0 Bonus: spend $1k in 3 mos.	$121Flytrippers Valuation Welcome bonus: 25,000 pts ($250) Earn on min. spend: 1,000 pts ($10) Card fee: deducted (-$120) Welcome bonus: $260 Card Fee: $139	6 passes worldwide Priority Pass
	BMO Ascend^™* World Elite^®* MasterCard^®* Card: $80k minimum income requiredMinimum personal income of $80,000 or minimum household income of $0 Bonus: spend $3k in 3 mos.	$240Flytrippers Valuation Welcome bonus: 30,000 pts ($200) Earn on min. spend: 6,000 pts ($40) Card fee: first year free (-$0) Additional monthly spend bonus also offered Welcome bonus: $240 Card Fee: $0 $150	4 passes worldwide DragonPass
	American Express^® Gold Rewards Card Card: $0 minimum income requiredNo minimum income required. Bonus: spend $3k in 3 mos.	≈ $518Flytrippers Valuation Welcome bonus: 40,000 pts (≈ $600) Earn on min. spend: 4,500 pts (≈ $68) Annual credit: for travel ($100) Card fee: deducted (-$250) Also offered but not included in Valuation: renewal bonus of 10,000 pts (≈ $150) and a NEXUS credit ($50) Welcome bonus: $768 Card Fee: $250	4 passes in Canada Plaza Premium only	limited time
	National Bank^® World Elite Mastercard^® Card: $80k minimum income requiredMinimum personal income of $80,000 or minimum household income of $0 Bonus: spend $3k in 3 mos.	≈ $300Flytrippers Valuation Welcome bonus: 20,000 pts ($200) Travel extras credit: varies by traveler* (≈ $100) Card fee: first year free (-$0) Welcome bonus: $300 Card Fee: $0 $150	∞ (unlimited + 1 guest) at YUL only Nat. Bank Lounge	ends May 31st
	BMO eclipse Visa Infinite Privilege* Card Card: $150k minimum income requiredMinimum personal income of $150,000 or minimum household income of $0 Bonus: spend $6k in 3 mos.	$354Flytrippers Valuation Welcome bonus: 50,000 pts ($333) Earn on min. spend: 18,000 pts ($120) Lifestyle credits: two in 1st year ($400) Card fee: deducted (-$499) Additional annual spend bonus also offered Welcome bonus: $853 Card Fee: $499	6 passes worldwide Priority Pass
	Scotiabank Platinum American Express^® Card Card: $12k minimum income requiredMinimum personal income of $12,000 or minimum household income of $0 Bonus: spend $0 (1 purchase)	–$99Flytrippers Valuation Welcome bonus: 30,000 pts ($300) Card fee: deducted (-$399) Welcome bonus: $300 Card Fee: $399	10 passes worldwide Priority Pass
	Business Platinum Card^® from American Express Card: no business required Bonus: spend $6k in 3 mos.	≈ $814Flytrippers Valuation Welcome bonus: 80,000 pts (≈ $1,200) Earn on min. spend: 7,500 pts (≈ $113) Card fee: deducted (-$499) Welcome bonus: $1313 Card Fee: $499	∞ (unlimited + 1 guest) worldwide Priority Pass + more
	American Express^® Aeroplan^®* Business Reserve Card Card: no business required Bonus: spend $3k in 3 mos.	≈ –$93Flytrippers Valuation Welcome bonus: 25,000 pts (≈ $375) Monthly bonus ($2k/mo once): 5,000 pts (≈ $75) Earn on min. spend: 3,750 pts (≈ $56) Card fee: deducted (-$599) Additional monthly spend bonus also offered Welcome bonus: $506 Card Fee: $599	∞ (unlimited, no guest) in North America Air Canada Lounges	limited time
Terms and conditions apply. Flytrippers editorial opinion only. Financial institutions are not responsible for maintaining the content on this site. Please click "See More" to see most up-to-date information.

Best credit cards for airport lounge access
Platinum Card^® from American Express
Card: $0 minimum income requiredNo minimum income required.
Bonus: spend $6k in 3 mos.
WELCOME BONUS
≈ $491Flytrippers Valuation Welcome bonus: 60,000 pts (≈ $900) Earn on min. spend: 6,000 pts (≈ $90) Annual credit: for travel ($200) Card fee: deducted (-$699) Also offered but not in Valuation: renewal bonus of 20,000 pts (≈ $300) and NEXUS credit ($100)
Welcome bonus: $1190
Card Fee: $699
Lounge passes: ∞ (unlimited + 1 guest) worldwide Priority Pass + more
American Express^® Aeroplan^®* Reserve Card
Card: $0 minimum income requiredNo minimum income required.
Bonus: spend $3k in 3 mos.
WELCOME BONUS
≈ $57Flytrippers Valuation Welcome bonus: 25,000 pts (≈ $375) Monthly bonus for 3 mos. (evenly split $3k): 15,000 pts (≈ $225) Earn on min. spend: 3,750 pts (≈ $56) Card fee: deducted (-$599) Additional monthly spend bonus also offered
Welcome bonus: $656
Card Fee: $599
Lounge passes: ∞ (unlimited, 1 guest) in North America Air Canada Lounges (on *A)
Scotia Passport^™ Visa Infinite* Card
Card: $60k minimum income requiredMinimum personal income of $60,000 or minimum household income of $0
Bonus: spend $1k in 3 mos.
WELCOME BONUS
$121Flytrippers Valuation Welcome bonus: 25,000 pts ($250) Earn on min. spend: 1,000 pts ($10) Card fee: deducted (-$120)
Welcome bonus: $260
Card Fee: $139
Lounge passes: 6 passes worldwide Priority Pass
BMO Ascend^™* World Elite^®* MasterCard^®*
Card: $80k minimum income requiredMinimum personal income of $80,000 or minimum household income of $0
Bonus: spend $3k in 3 mos.
WELCOME BONUS
$240Flytrippers Valuation Welcome bonus: 30,000 pts ($200) Earn on min. spend: 6,000 pts ($40) Card fee: first year free (-$0) Additional monthly spend bonus also offered
Welcome bonus: $240
Card Fee: $0 $150
Lounge passes: 4 passes worldwide DragonPass
American Express^® Gold Rewards Card
Card: $0 minimum income requiredNo minimum income required.
Bonus: spend $3k in 3 mos.
WELCOME BONUS	limited time
≈ $518Flytrippers Valuation Welcome bonus: 40,000 pts (≈ $600) Earn on min. spend: 4,500 pts (≈ $68) Annual credit: for travel ($100) Card fee: deducted (-$250) Also offered but not included in Valuation: renewal bonus of 10,000 pts (≈ $150) and a NEXUS credit ($50)
Welcome bonus: $768
Card Fee: $250
Lounge passes: 4 passes in Canada Plaza Premium only
National Bank^® World Elite Mastercard^®
Card: $80k minimum income requiredMinimum personal income of $80,000 or minimum household income of $0
Bonus: spend $3k in 3 mos.
WELCOME BONUS	ends May 31st
≈ $300Flytrippers Valuation Welcome bonus: 20,000 pts ($200) Travel extras credit: varies by traveler* (≈ $100) Card fee: first year free (-$0)
Welcome bonus: $300
Card Fee: $0 $150
Lounge passes: ∞ (unlimited + 1 guest) at YUL only Nat. Bank Lounge
BMO eclipse Visa Infinite Privilege* Card
Card: $150k minimum income requiredMinimum personal income of $150,000 or minimum household income of $0
Bonus: spend $6k in 3 mos.
WELCOME BONUS
$354Flytrippers Valuation Welcome bonus: 50,000 pts ($333) Earn on min. spend: 18,000 pts ($120) Lifestyle credits: two in 1st year ($400) Card fee: deducted (-$499) Additional annual spend bonus also offered
Welcome bonus: $853
Card Fee: $499
Lounge passes: 6 passes worldwide Priority Pass
Scotiabank Platinum American Express^® Card
Card: $12k minimum income requiredMinimum personal income of $12,000 or minimum household income of $0
Bonus: spend $0 (1 purchase)
WELCOME BONUS
–$99Flytrippers Valuation Welcome bonus: 30,000 pts ($300) Card fee: deducted (-$399)
Welcome bonus: $300
Card Fee: $399
Lounge passes: 10 passes worldwide Priority Pass
Business Platinum Card^® from American Express
Card: no business required
Bonus: spend $6k in 3 mos.
WELCOME BONUS
≈ $814Flytrippers Valuation Welcome bonus: 80,000 pts (≈ $1,200) Earn on min. spend: 7,500 pts (≈ $113) Card fee: deducted (-$499)
Welcome bonus: $1313
Card Fee: $499
Lounge passes: ∞ (unlimited + 1 guest) worldwide Priority Pass + more
American Express^® Aeroplan^®* Business Reserve Card
Card: no business required
Bonus: spend $3k in 3 mos.
WELCOME BONUS	limited time
≈ –$93Flytrippers Valuation Welcome bonus: 25,000 pts (≈ $375) Monthly bonus ($2k/mo once): 5,000 pts (≈ $75) Earn on min. spend: 3,750 pts (≈ $56) Card fee: deducted (-$599) Additional monthly spend bonus also offered
Welcome bonus: $506
Card Fee: $599
Lounge passes: ∞ (unlimited, no guest) in North America Air Canada Lounges
Terms and conditions apply. Flytrippers editorial opinion only. Financial institutions are not responsible for maintaining the content on this site. Please click "See More" to see most up-to-date information.

Best credit cards in Canada with low minimum spends

Pros know that adding a 2nd card the same day as a card application is a great way to double your welcome bonuses, and that’s easier when the 2nd has a low minimum spend (also for those who spend less, despite our tips to reach minimum spend requirements).

You can read our detailed page about the best credit cards in Canada with low minimum spends (coming soon).

Best credit cards with low minimum spends		WELCOME BONUS ( VALUATION)	Best for
	HSBC +Rewards^™ Mastercard^® Card: $0 minimum income requiredNo minimum income required. Bonus: spend $2k in 6 mos. (see QC offer)	$185Flytrippers Valuation Welcome bonus (upon approval): 5,000 pts ($25) Welcome bonus (after min. spend): 30,000 pts ($150) Earn on min. spend: 2,000 pts ($10) Card fee: 1st year free (-$0) Welcome bonus: $185 Card Fee: $0 $25	Non-Amex option no travel insurance
	Scotiabank Gold American Express^® Card Card: $12k minimum income requiredMinimum personal income of $12,000 or minimum household income of $0 Bonus: spend $1k in 3 mos.	$180Flytrippers Valuation Welcome bonus: 25,000 pts ($250) Earn on min. spend: 5,000 pts ($50) Card fee: deducted (-$120) Additional annual spend bonus also offered Welcome bonus: $300 Card Fee: $120	Lower spend 5x on food, no FX insurance for lower income
	American Express^® Green Card Card: $0 minimum income requiredNo minimum income required. Bonus: spend $1k in 3 mos.	≈ $165Flytrippers Valuation Welcome bonus: 10,000 pts (≈ $150) Earn on min. spend: 1,000 pts (≈ $15) Card fee: no annual fee (-$0) Welcome bonus: $165 Card Fee: $0	Valuable Amex points for free
	HSBC Travel Rewards Mastercard^® Card: $0 minimum income requiredNo minimum income required. Bonus: spend $1k in 6 mos. (see QC offer)	$130Flytrippers Valuation Welcome bonus: 25,000 points ($125) Earn on min. spend: 1,000 points ($5) Card fee: no annual fee (-$0) Welcome bonus: $130 Card Fee: $0	Easy & simple travel credit for any trip	limited time
	HSBC Cash Rewards Mastercard^® (excl. QC) Card: $0 minimum income requiredNo minimum income required. Bonus: spend $1k in 6 mos. (see QC offer)	$130Flytrippers Valuation Welcome bonus (on 1st $1k): additional 12.5% cash back ($125) Earn on min. spend: minimum of 0.5% cash back ($5) Card fee: no annual fee (-$0) Welcome bonus: $130 Card Fee: $0	Easy & simple cash rewards no fee
	Scotia Passport^™ Visa Infinite* Card Card: $60k minimum income requiredMinimum personal income of $60,000 or minimum household income of $0 Bonus: spend $1k in 3 mos.	$121Flytrippers Valuation Welcome bonus: 25,000 pts ($250) Earn on min. spend: 1,000 pts ($10) Card fee: deducted (-$120) Welcome bonus: $260 Card Fee: $139	6 airport lounge passes and no FX fees
	BMO AIR MILES^®† MasterCard^®* Card: $15k minimum income requiredMinimum personal income of $15,000 or minimum household income of $0 Bonus: spend $1k in 3 mos.	≈ $110Flytrippers Valuation Welcome bonus: 800 pts (≈ $96) Earn on min. spend: 120 pts (≈ $14) Card fee: no annual fee (-$0) Welcome bonus: $110 Card Fee: $0	More AIR MILES Rewards
Terms and conditions apply. Flytrippers editorial opinion only. Financial institutions are not responsible for maintaining the content on this site. Please click "See More" to see most up-to-date information.

Best credit cards with low minimum spends
HSBC +Rewards^™ Mastercard^®
Card: $0 minimum income requiredNo minimum income required.
Bonus: spend $2k in 6 mos. (see QC offer)
WELCOME BONUS
$185Flytrippers Valuation Welcome bonus (upon approval): 5,000 pts ($25) Welcome bonus (after min. spend): 30,000 pts ($150) Earn on min. spend: 2,000 pts ($10) Card fee: 1st year free (-$0)
Welcome bonus: $185
Card Fee: $0 $25
Best for: Non-Amex option no travel insurance
Scotiabank Gold American Express^® Card
Card: $12k minimum income requiredMinimum personal income of $12,000 or minimum household income of $0
Bonus: spend $1k in 3 mos.
WELCOME BONUS
$180Flytrippers Valuation Welcome bonus: 25,000 pts ($250) Earn on min. spend: 5,000 pts ($50) Card fee: deducted (-$120) Additional annual spend bonus also offered
Welcome bonus: $300
Card Fee: $120
Best for: Lower spend 5x on food, no FX insurance for lower income
American Express^® Green Card
Card: $0 minimum income requiredNo minimum income required.
Bonus: spend $1k in 3 mos.
WELCOME BONUS
≈ $165Flytrippers Valuation Welcome bonus: 10,000 pts (≈ $150) Earn on min. spend: 1,000 pts (≈ $15) Card fee: no annual fee (-$0)
Welcome bonus: $165
Card Fee: $0
Best for: Valuable Amex points for free
HSBC Travel Rewards Mastercard^®
Card: $0 minimum income requiredNo minimum income required.
Bonus: spend $1k in 6 mos. (see QC offer)
WELCOME BONUS	limited time
$130Flytrippers Valuation Welcome bonus: 25,000 points ($125) Earn on min. spend: 1,000 points ($5) Card fee: no annual fee (-$0)
Welcome bonus: $130
Card Fee: $0
Best for: Easy & simple travel credit for any trip
HSBC Cash Rewards Mastercard^® (excl. QC)
Card: $0 minimum income requiredNo minimum income required.
Bonus: spend $1k in 6 mos. (see QC offer)
WELCOME BONUS
$130Flytrippers Valuation Welcome bonus (on 1st $1k): additional 12.5% cash back ($125) Earn on min. spend: minimum of 0.5% cash back ($5) Card fee: no annual fee (-$0)
Welcome bonus: $130
Card Fee: $0
Best for: Easy & simple cash rewards no fee
Scotia Passport^™ Visa Infinite* Card
Card: $60k minimum income requiredMinimum personal income of $60,000 or minimum household income of $0
Bonus: spend $1k in 3 mos.
WELCOME BONUS
$121Flytrippers Valuation Welcome bonus: 25,000 pts ($250) Earn on min. spend: 1,000 pts ($10) Card fee: deducted (-$120)
Welcome bonus: $260
Card Fee: $139
Best for: 6 airport lounge passes and no FX fees
BMO AIR MILES^®† MasterCard^®*
Card: $15k minimum income requiredMinimum personal income of $15,000 or minimum household income of $0
Bonus: spend $1k in 3 mos.
WELCOME BONUS
≈ $110Flytrippers Valuation Welcome bonus: 800 pts (≈ $96) Earn on min. spend: 120 pts (≈ $14) Card fee: no annual fee (-$0)
Welcome bonus: $110
Card Fee: $0
Best for: More AIR MILES Rewards
Terms and conditions apply. Flytrippers editorial opinion only. Financial institutions are not responsible for maintaining the content on this site. Please click "See More" to see most up-to-date information.

Best credit cards in Canada for those with non-employment income

Many people don’t know that they simply do not require having an actual business for certain small business cards: any type of non-employment income qualifies you for some amazing offers (reselling, side gig, etc.) so here are the best ones.

You can read our detailed page about the best credit cards in Canada for those with non-employment income (coming soon).

Best credit cards for non-employment income		WELCOME BONUS ( VALUATION)	Best for
	Business Platinum Card^® from American Express Card: no business required Bonus: spend $6k in 3 mos.	≈ $814Flytrippers Valuation Welcome bonus: 80,000 pts (≈ $1,200) Earn on min. spend: 7,500 pts (≈ $113) Card fee: deducted (-$499) Welcome bonus: $1313 Card Fee: $499	Big spenders & luxury travelers
	American Express^® Business Gold Rewards Card Card: no business required Bonus: spend $5k in 3 mos.	≈ $926Flytrippers Valuation Welcome bonus: 70,000 pts (≈ $1,050) Earn on min. spend: 5,000 pts (≈ $75) Card fee: deducted (-$199) Welcome bonus: $1125 Card Fee: $199	More valuable Amex points for Aeroplan or Avios	limited time
	Marriott Bonvoy^™ Business American Express^® Card Card: no business required Bonus: spend $1.5k in 3 mos.	≈ $327Flytrippers Valuation Welcome bonus: 50,000 pts (≈ $450) Earn on min. spend: 3,000 pts (≈ $27) Card fee: deducted (-$150) Welcome bonus: $477 Card Fee: $150	Valuable Marriott certificate another must-have
	American Express Business Edge^™ Card Card: no business required Bonus: spend $5k in 3 mos.	≈ $495Flytrippers Valuation Welcome bonus: 45,000 pts (≈ $486) Earn on min. spend: 10,000 pts (≈ $108) Card fee: deducted (-$99) Welcome bonus: $594 Card Fee: $99	More Marriott points and good earn rate	limited time
	American Express^® AIR MILES^®* for Business Card Card: no business required Bonus: spend $5k in 3 mos.	≈ $100Flytrippers Valuation Welcome bonus: 2,000 pts (≈ $240) Earn on min. spend: 333 pts (≈ $40) Card fee: deducted (-$180) Welcome bonus: $280 Card Fee: $180	Another AIR MILES bonus
Terms and conditions apply. Flytrippers editorial opinion only. Financial institutions are not responsible for maintaining the content on this site. Please click "See More" to see most up-to-date information.

Best credit cards for non-employment income
Business Platinum Card^® from American Express
Card: no business required
Bonus: spend $6k in 3 mos.
WELCOME BONUS
≈ $814Flytrippers Valuation Welcome bonus: 80,000 pts (≈ $1,200) Earn on min. spend: 7,500 pts (≈ $113) Card fee: deducted (-$499)
Welcome bonus: $1313
Card Fee: $499
Best for: Big spenders & luxury travelers
American Express^® Business Gold Rewards Card
Card: no business required
Bonus: spend $5k in 3 mos.
WELCOME BONUS	limited time
≈ $926Flytrippers Valuation Welcome bonus: 70,000 pts (≈ $1,050) Earn on min. spend: 5,000 pts (≈ $75) Card fee: deducted (-$199)
Welcome bonus: $1125
Card Fee: $199
Best for: More valuable Amex points for Aeroplan or Avios
Marriott Bonvoy^™ Business American Express^® Card
Card: no business required
Bonus: spend $1.5k in 3 mos.
WELCOME BONUS
≈ $327Flytrippers Valuation Welcome bonus: 50,000 pts (≈ $450) Earn on min. spend: 3,000 pts (≈ $27) Card fee: deducted (-$150)
Welcome bonus: $477
Card Fee: $150
Best for: Valuable Marriott certificate another must-have
American Express Business Edge^™ Card
Card: no business required
Bonus: spend $5k in 3 mos.
WELCOME BONUS	limited time
≈ $495Flytrippers Valuation Welcome bonus: 45,000 pts (≈ $486) Earn on min. spend: 10,000 pts (≈ $108) Card fee: deducted (-$99)
Welcome bonus: $594
Card Fee: $99
Best for: More Marriott points and good earn rate
American Express^® AIR MILES^®* for Business Card
Card: no business required
Bonus: spend $5k in 3 mos.
WELCOME BONUS
≈ $100Flytrippers Valuation Welcome bonus: 2,000 pts (≈ $240) Earn on min. spend: 333 pts (≈ $40) Card fee: deducted (-$180)
Welcome bonus: $280
Card Fee: $180
Best for: Another AIR MILES bonus
Terms and conditions apply. Flytrippers editorial opinion only. Financial institutions are not responsible for maintaining the content on this site. Please click "See More" to see most up-to-date information.

Best credit cards in Canada for businesses

If you have an incorporated business, you have even more options in terms of small business cards, so here are the best ones.

You can read our detailed page about the best credit cards in Canada for businesses (coming soon).

Best business credit cards		WELCOME BONUS ( VALUATION)	Best for
	Business Platinum Card^® from American Express Card: no business required Bonus: spend $6k in 3 mos.	≈ $814Flytrippers Valuation Welcome bonus: 80,000 pts (≈ $1,200) Earn on min. spend: 7,500 pts (≈ $113) Card fee: deducted (-$499) Welcome bonus: $1313 Card Fee: $499	Big spenders & luxury travelers
	American Express^® Business Gold Rewards Card Card: no business required Bonus: spend $5k in 3 mos.	≈ $926Flytrippers Valuation Welcome bonus: 70,000 pts (≈ $1,050) Earn on min. spend: 5,000 pts (≈ $75) Card fee: deducted (-$199) Welcome bonus: $1125 Card Fee: $199	More valuable Amex points for Aeroplan or Avios	limited time
	Marriott Bonvoy^™ Business American Express^® Card Card: no business required Bonus: spend $1.5k in 3 mos.	≈ $327Flytrippers Valuation Welcome bonus: 50,000 pts (≈ $450) Earn on min. spend: 3,000 pts (≈ $27) Card fee: deducted (-$150) Welcome bonus: $477 Card Fee: $150	Valuable Marriott certificate another must-have
	American Express Business Edge^™ Card Card: no business required Bonus: spend $5k in 3 mos.	≈ $495Flytrippers Valuation Welcome bonus: 45,000 pts (≈ $486) Earn on min. spend: 10,000 pts (≈ $108) Card fee: deducted (-$99) Welcome bonus: $594 Card Fee: $99	More Marriott points and good earn rate	limited time
	BMO AIR MILES^®† Business^® Mastercard^®* Card: business required Bonus: spend $5k in 3 mos.	≈ $420Flytrippers Valuation Welcome bonus: 3,000 pts (≈ $360) Earn on min. spend: 500 pts (≈ $60) Card fee: 1st year free (-$0) Welcome bonus: $420 Card Fee: $0 $120	AIR MILES Rewards collectors
	BMO Rewards^® World Elite^®* Business Mastercard^®* Card: business required Bonus: spend $5k in 3 mos.	$398Flytrippers Valuation Welcome bonus: 50,000 pts ($333) Earn on min. spend: 9,750 pts ($65) Card fee: first year free (-$0) Additional monthly spend bonus also offered Welcome bonus: $398 Card Fee: $0 $120	Easy-to-use fixed-value rewards
	BMO CashBack^® Business Mastercard^®* Card: business required Bonus: spend $1.5k in 3 mos.*	$150Flytrippers Valuation Welcome bonus: cashback ($150) Card fee: no annual fee (-$0) Welcome bonus: $150 Card Fee: $0	Simple cashback rewards
	BMO AIR MILES^®† No-Fee Business^® Mastercard^®* Card: business required Bonus: spend $3k in 3 mos.	≈ $138Flytrippers Valuation Welcome bonus: 1,000 pts (≈ $120) Earn on min. spend: 150 pts (≈ $18) Card fee: no annual fee (-$0) Welcome bonus: $138 Card Fee: $0	AIR MILES collectors who spend less
	American Express^® AIR MILES^®* for Business Card Card: no business required Bonus: spend $5k in 3 mos.	≈ $100Flytrippers Valuation Welcome bonus: 2,000 pts (≈ $240) Earn on min. spend: 333 pts (≈ $40) Card fee: deducted (-$180) Welcome bonus: $280 Card Fee: $180	Another AIR MILES bonus
Terms and conditions apply. Flytrippers editorial opinion only. Financial institutions are not responsible for maintaining the content on this site. Please click "See More" to see most up-to-date information.

Best business credit cards
Business Platinum Card^® from American Express
Card: no business required
Bonus: spend $6k in 3 mos.
WELCOME BONUS
≈ $814Flytrippers Valuation Welcome bonus: 80,000 pts (≈ $1,200) Earn on min. spend: 7,500 pts (≈ $113) Card fee: deducted (-$499)
Welcome bonus: $1313
Card Fee: $499
Best for: Big spenders & luxury travelers
American Express^® Business Gold Rewards Card
Card: no business required
Bonus: spend $5k in 3 mos.
WELCOME BONUS	limited time
≈ $926Flytrippers Valuation Welcome bonus: 70,000 pts (≈ $1,050) Earn on min. spend: 5,000 pts (≈ $75) Card fee: deducted (-$199)
Welcome bonus: $1125
Card Fee: $199
Best for: More valuable Amex points for Aeroplan or Avios
Marriott Bonvoy^™ Business American Express^® Card
Card: no business required
Bonus: spend $1.5k in 3 mos.
WELCOME BONUS
≈ $327Flytrippers Valuation Welcome bonus: 50,000 pts (≈ $450) Earn on min. spend: 3,000 pts (≈ $27) Card fee: deducted (-$150)
Welcome bonus: $477
Card Fee: $150
Best for: Valuable Marriott certificate another must-have
American Express Business Edge^™ Card
Card: no business required
Bonus: spend $5k in 3 mos.
WELCOME BONUS	limited time
≈ $495Flytrippers Valuation Welcome bonus: 45,000 pts (≈ $486) Earn on min. spend: 10,000 pts (≈ $108) Card fee: deducted (-$99)
Welcome bonus: $594
Card Fee: $99
Best for: More Marriott points and good earn rate
BMO AIR MILES^®† Business^® Mastercard^®*
Card: business required
Bonus: spend $5k in 3 mos.
WELCOME BONUS
≈ $420Flytrippers Valuation Welcome bonus: 3,000 pts (≈ $360) Earn on min. spend: 500 pts (≈ $60) Card fee: 1st year free (-$0)
Welcome bonus: $420
Card Fee: $0 $120
Best for: AIR MILES Rewards collectors
BMO Rewards^® World Elite^®* Business Mastercard^®*
Card: business required
Bonus: spend $5k in 3 mos.
WELCOME BONUS
$398Flytrippers Valuation Welcome bonus: 50,000 pts ($333) Earn on min. spend: 9,750 pts ($65) Card fee: first year free (-$0) Additional monthly spend bonus also offered
Welcome bonus: $398
Card Fee: $0 $120
Best for: Easy-to-use fixed-value rewards
BMO CashBack^® Business Mastercard^®*
Card: business required
Bonus: spend $1.5k in 3 mos.*
WELCOME BONUS
$150Flytrippers Valuation Welcome bonus: cashback ($150) Card fee: no annual fee (-$0)
Welcome bonus: $150
Card Fee: $0
Best for: Simple cashback rewards
BMO AIR MILES^®† No-Fee Business^® Mastercard^®*
Card: business required
Bonus: spend $3k in 3 mos.
WELCOME BONUS
≈ $138Flytrippers Valuation Welcome bonus: 1,000 pts (≈ $120) Earn on min. spend: 150 pts (≈ $18) Card fee: no annual fee (-$0)
Welcome bonus: $138
Card Fee: $0
Best for: AIR MILES collectors who spend less
American Express^® AIR MILES^®* for Business Card
Card: no business required
Bonus: spend $5k in 3 mos.
WELCOME BONUS
≈ $100Flytrippers Valuation Welcome bonus: 2,000 pts (≈ $240) Earn on min. spend: 333 pts (≈ $40) Card fee: deducted (-$180)
Welcome bonus: $280
Card Fee: $180
Best for: Another AIR MILES bonus
Terms and conditions apply. Flytrippers editorial opinion only. Financial institutions are not responsible for maintaining the content on this site. Please click "See More" to see most up-to-date information.

Best prepaid credit cards in Canada

While you won’t get a high amount of travel rewards by getting a prepaid credit card, if you are building your credit and still want some of the benefits of credit cards in a free chequing account, these prepaid cards do not require a credit check (we have & recommend both).

You can read our detailed page about the best prepaid credit cards in Canada (coming soon).

Best prepaid credit cards		WELCOME BONUS ( VALUATION)	Best for
	KOHO Prepaid Visa Card: $0 minimum income requiredNo minimum income required. Bonus: no welcome bonus	$0Flytrippers Valuation Welcome bonus: none ($0) Card fee: no annual fee (-$0) Welcome bonus: $0 Card Fee: $0	0.5% cashback on everything
	STACK Prepaid Mastercard^® Card: $0 minimum income requiredNo minimum income required. Bonus: spend $0 (at sign-up)	$5Flytrippers Valuation Welcome bonus: credit ($5) Card fee: no annual fee (-$0) Welcome bonus: $5 Card Fee: $0	No FX fees worldwide
Terms and conditions apply. Flytrippers editorial opinion only. Financial institutions are not responsible for maintaining the content on this site. Please click "See More" to see most up-to-date information.

Best prepaid credit cards
KOHO Prepaid Visa
Card: $0 minimum income requiredNo minimum income required.
Bonus: no welcome bonus
WELCOME BONUS
$0Flytrippers Valuation Welcome bonus: none ($0) Card fee: no annual fee (-$0)
Welcome bonus: $0
Card Fee: $0
Best for: 0.5% cashback on everything
STACK Prepaid Mastercard^®
Card: $0 minimum income requiredNo minimum income required.
Bonus: spend $0 (at sign-up)
WELCOME BONUS
$5Flytrippers Valuation Welcome bonus: credit ($5) Card fee: no annual fee (-$0)
Welcome bonus: $5
Card Fee: $0
Best for: No FX fees worldwide
Terms and conditions apply. Flytrippers editorial opinion only. Financial institutions are not responsible for maintaining the content on this site. Please click "See More" to see most up-to-date information.

Best free credit score monitoring in Canada

As part of your travel rewards strategy, you should monitor your credit score. Your bank might offer this for free, but if not, you can still get it at no cost. By following the rules, you’ll maintain or improve your credit score in addition to getting great welcome bonuses.

You can read our detailed page about the best free credit score monitoring in Canada (coming soon).

Best free credit score monitoring service		WELCOME BONUS ( VALUATION)	Best for
	Mogo not available in Québec Bonus: no welcome bonus	$0Flytrippers Valuation Welcome bonus: none ($0) Welcome bonus: $0	Free credit score monitoring
Terms and conditions apply. Flytrippers editorial opinion only. Financial institutions are not responsible for maintaining the content on this site. Please click "See More" to see most up-to-date information.

Best free credit score monitoring service
Mogo
not available in Québec
Bonus: no welcome bonus
WELCOME BONUS
$0Flytrippers Valuation Welcome bonus: none ($0)
Welcome bonus: $0

Best for: Free credit score monitoring
Terms and conditions apply. Flytrippers editorial opinion only. Financial institutions are not responsible for maintaining the content on this site. Please click "See More" to see most up-to-date information.

Other upcoming credit card categories

Subscribe to our free travel rewards newsletter to get all our content to earn a lot more travel rewards.

Best credit cards for Aeroplan points
Best credit cards for other airline points
Best credit cards for luxury travel benefits
Best credit cards for travel insurance
Best credit cards for insurance coverage for reward flights
Best credit cards for luxury travel benefits
Best credit cards for mobile device insurance
Best credit cards for low interest rates
More to be announced later

Best online shopping portals in Canada

Credit cards are how you’ll earn rewards a lot faster, but it’s also a good practice to double-dip and to always use online shopping portals to get 100% more rewards for everything you buy. You can get valuable variable-value rewards or simpler cashback.

You can read our detailed page about the best online shopping portals for Canadians.

Best online shopping portals		WELCOME BONUS ( VALUATION)	Best for
	Aeroplan eStore earn Aeroplan points online Bonus: no welcome bonus	$0Flytrippers Valuation Welcome bonus: none ($0) Welcome bonus: $0	Most valuable rewards for purchases
	AIR MILES Shops earn AIR MILES Miles online Bonus: no welcome bonus	$0Flytrippers Valuation Welcome bonus: none ($0) Welcome bonus: $0	Other valuable rewards for purchases
	Rakuten earn cashback online Bonus: spend $25 (anywhere)	$5Flytrippers Valuation Welcome bonus: cashback ($5) Welcome bonus: $0	Easy cashback rewards for purchases
	ampli earn cashback online & in-store Bonus: spend $0 (at sign-up)	$5Flytrippers Valuation Welcome bonus: cashback ($5) Welcome bonus: $0	Other cashback app for purchases
	Paymi earn cashback online & in-store Bonus: no welcome bonus	$0Flytrippers Valuation Welcome bonus: none ($0) Welcome bonus: $0	Other cashback app for purchases
Terms and conditions apply. Flytrippers editorial opinion only. Financial institutions are not responsible for maintaining the content on this site. Please click "See More" to see most up-to-date information.

Best online shopping portals
Aeroplan eStore
earn Aeroplan points online
Bonus: no welcome bonus
WELCOME BONUS
$0Flytrippers Valuation Welcome bonus: none ($0)
Welcome bonus: $0

Best for: Most valuable rewards for purchases
AIR MILES Shops
earn AIR MILES Miles online
Bonus: no welcome bonus
WELCOME BONUS
$0Flytrippers Valuation Welcome bonus: none ($0)
Welcome bonus: $0

Best for: Other valuable rewards for purchases
Rakuten
earn cashback online
Bonus: spend $25 (anywhere)
WELCOME BONUS
$5Flytrippers Valuation Welcome bonus: cashback ($5)
Welcome bonus: $0

Best for: Easy cashback rewards for purchases
ampli
earn cashback online & in-store
Bonus: spend $0 (at sign-up)
WELCOME BONUS
$5Flytrippers Valuation Welcome bonus: cashback ($5)
Welcome bonus: $0

Best for: Other cashback app for purchases
Paymi
earn cashback online & in-store
Bonus: no welcome bonus
WELCOME BONUS
$0Flytrippers Valuation Welcome bonus: none ($0)
Welcome bonus: $0

Best for: Other cashback app for purchases
Terms and conditions apply. Flytrippers editorial opinion only. Financial institutions are not responsible for maintaining the content on this site. Please click "See More" to see most up-to-date information.

Best services to earn more rewards in Canada

Bill payment services are another way to earn more rewards. One allows you to at least earn some rewards for some bills that can’t be paid by credit card (for free), while the other allows you to pay virtually any bill by credit card (for a fee).

You can read our detailed page about the best services to earn more rewards in Canada (coming soon).

Best services to earn more rewards		WELCOME BONUS ( VALUATION)	Best for
	Plastiq bill-payment website Bonus: make US$2,500 in payments	$13Flytrippers Valuation Welcome bonus: 500 Fee-Free Dollars (≈ $13) Welcome bonus: $0	Pay any bill with a card for a fee
	PaySimply bill-payment website Bonus: no welcome bonus	$0Flytrippers Valuation Welcome bonus: none ($0) Welcome bonus: $0	Pay certain bills with a card for a fee
	Paytm bill-payment app Bonus: complete email verification	$2Flytrippers Valuation Welcome bonus: 2,000 points ($2) Welcome bonus: $0	Rewards on bill payments for free
Terms and conditions apply. Flytrippers editorial opinion only. Financial institutions are not responsible for maintaining the content on this site. Please click "See More" to see most up-to-date information.

Best services to earn more rewards
Plastiq
bill-payment website
Bonus: make US$2,500 in payments
WELCOME BONUS
$13Flytrippers Valuation Welcome bonus: 500 Fee-Free Dollars (≈ $13)
Welcome bonus: $0

Best for: Pay any bill with a card for a fee
PaySimply
bill-payment website
Bonus: no welcome bonus
WELCOME BONUS
$0Flytrippers Valuation Welcome bonus: none ($0)
Welcome bonus: $0

Best for: Pay certain bills with a card for a fee
Paytm
bill-payment app
Bonus: complete email verification
WELCOME BONUS
$2Flytrippers Valuation Welcome bonus: 2,000 points ($2)
Welcome bonus: $0

Best for: Rewards on bill payments for free
Terms and conditions apply. Flytrippers editorial opinion only. Financial institutions are not responsible for maintaining the content on this site. Please click "See More" to see most up-to-date information.

Best travel insurance providers for COVID-19

While getting travel insurance coverage for free is one of the best benefits of credit cards, most of it has been temporarily voided due to COVID-19. It is now necessary to purchase a stand-alone travel insurance plan if you are traveling internationally.

You can read our detailed page about the best travel insurance providers for Canadians (coming soon).

Best travel insurance providers for COVID-19		WELCOME BONUS ( VALUATION)	Best for
	SafetyWing made for nomads Bonus: no welcome bonus	$0Flytrippers Valuation Welcome bonus: none ($0) Welcome bonus: $0	Lower-cost & lower coverage option
	Goose app-first insurer Bonus: spend $0 (at sign-up)	$10Flytrippers Valuation Welcome bonus: credit ($10) Welcome bonus: $0	All-digital experience & welcome bonus
	Manulife leading Canadian insurer Bonus: no welcome bonus	$0Flytrippers Valuation Welcome bonus: none ($0) Welcome bonus: $0	Customer service & full-service insurer
	TuGo another Canadian option Bonus: no welcome bonus	$0Flytrippers Valuation Welcome bonus: none ($0) Welcome bonus: $0	Comprehensive & customizable options simple process
Terms and conditions apply. Flytrippers editorial opinion only. Financial institutions are not responsible for maintaining the content on this site. Please click "See More" to see most up-to-date information.

Best travel insurance providers for COVID-19
SafetyWing
made for nomads
Bonus: no welcome bonus
WELCOME BONUS
$0Flytrippers Valuation Welcome bonus: none ($0)
Welcome bonus: $0

Best for: Lower-cost & lower coverage option
Goose
app-first insurer
Bonus: spend $0 (at sign-up)
WELCOME BONUS
$10Flytrippers Valuation Welcome bonus: credit ($10)
Welcome bonus: $0

Best for: All-digital experience & welcome bonus
Manulife
leading Canadian insurer
Bonus: no welcome bonus
WELCOME BONUS
$0Flytrippers Valuation Welcome bonus: none ($0)
Welcome bonus: $0

Best for: Customer service & full-service insurer
TuGo
another Canadian option
Bonus: no welcome bonus
WELCOME BONUS
$0Flytrippers Valuation Welcome bonus: none ($0)
Welcome bonus: $0

Best for: Comprehensive & customizable options simple process
Terms and conditions apply. Flytrippers editorial opinion only. Financial institutions are not responsible for maintaining the content on this site. Please click "See More" to see most up-to-date information.

Best cryptocurrency services

Some also invest time into cryptocurrencies in addition to credit cards. Since we are as passionate about innovation as we are are about the financial industry, here are our favorite services for Canadians interested in cryptocurrencies (also called digital currencies).

You can read our detailed page about the best cryptocurrency services in Canada (coming soon).

Best cryptocurrency apps & platforms		WELCOME BONUS ( VALUATION)	Best for
	Coinbase $0 minimum income requiredNo minimum income required. Bonus: take free courses	$51Flytrippers Valuation Courses bonuses: US$40 (≈ $51) Welcome bonus: $51	Highest bonus for a portfolio
	Crypto.com $0 minimum income requiredNo minimum income required. Bonus: signup for card	$32Flytrippers Valuation Welcome bonus: US$25 (≈ $32) Welcome bonus: $32	Crypto as rewards on a credit card
	Bitbuy $0 minimum income requiredNo minimum income required. Bonus: deposit $250	$20Flytrippers Valuation Welcome bonus: credit ($20) Welcome bonus: $20	Easy-to-use Canadian platform
	BlockFi $0 minimum income requiredNo minimum income required. Bonus: deposit US$25	$19Flytrippers Valuation Welcome bonus: US$15 (≈ $19) Welcome bonus: $19	Earning interest on your crypto
	CoinField $0 minimum income requiredNo minimum income required. Bonus: deposit $100	$17Flytrippers Valuation Welcome bonus: 20 SOLO (≈$17) Welcome bonus: $17	Leading global platform
	NDAX $0 minimum income requiredNo minimum income required. Bonus: spend $0 (at sign-up)	$10Flytrippers Valuation Welcome bonus: credit ($10) Welcome bonus: $10	Easy-to-use Canadian platform
	Kraken $0 minimum income requiredNo minimum income required. Bonus: no welcome bonus	$0Flytrippers Valuation Welcome bonus: none ($0) Welcome bonus: $0	Most secure crypto exchange
	Coinsmart $0 minimum income requiredNo minimum income required. Bonus: no welcome bonus	$0Flytrippers Valuation Welcome bonus: none ($0) Welcome bonus: $0	Trade in CAD 100% Canadian
	Coinsquare $0 minimum income requiredNo minimum income required. Bonus: no welcome bonus	$0Flytrippers Valuation Welcome bonus: none ($0) Welcome bonus: $0	Another app-first exchange
	Binance $0 minimum income requiredNo minimum income required. Bonus: no welcome bonus	$0Flytrippers Valuation Welcome bonus: none ($0) Welcome bonus: $0	World's largest crypto platform
Terms and conditions apply. Flytrippers editorial opinion only. Financial institutions are not responsible for maintaining the content on this site. Please click "See More" to see most up-to-date information.

Best cryptocurrency apps & platforms
Coinbase
$0 minimum income requiredNo minimum income required.
Bonus: take free courses
WELCOME BONUS
$51Flytrippers Valuation Courses bonuses: US$40 (≈ $51)
Welcome bonus: $51

Best for: Highest bonus for a portfolio
Crypto.com
$0 minimum income requiredNo minimum income required.
Bonus: signup for card
WELCOME BONUS
$32Flytrippers Valuation Welcome bonus: US$25 (≈ $32)
Welcome bonus: $32

Best for: Crypto as rewards on a credit card
Bitbuy
$0 minimum income requiredNo minimum income required.
Bonus: deposit $250
WELCOME BONUS
$20Flytrippers Valuation Welcome bonus: credit ($20)
Welcome bonus: $20

Best for: Easy-to-use Canadian platform
BlockFi
$0 minimum income requiredNo minimum income required.
Bonus: deposit US$25
WELCOME BONUS
$19Flytrippers Valuation Welcome bonus: US$15 (≈ $19)
Welcome bonus: $19

Best for: Earning interest on your crypto
CoinField
$0 minimum income requiredNo minimum income required.
Bonus: deposit $100
WELCOME BONUS
$17Flytrippers Valuation Welcome bonus: 20 SOLO (≈$17)
Welcome bonus: $17

Best for: Leading global platform
NDAX
$0 minimum income requiredNo minimum income required.
Bonus: spend $0 (at sign-up)
WELCOME BONUS
$10Flytrippers Valuation Welcome bonus: credit ($10)
Welcome bonus: $10

Best for: Easy-to-use Canadian platform
Kraken
$0 minimum income requiredNo minimum income required.
Bonus: no welcome bonus
WELCOME BONUS
$0Flytrippers Valuation Welcome bonus: none ($0)
Welcome bonus: $0

Best for: Most secure crypto exchange
Coinsmart
$0 minimum income requiredNo minimum income required.
Bonus: no welcome bonus
WELCOME BONUS
$0Flytrippers Valuation Welcome bonus: none ($0)
Welcome bonus: $0

Best for: Trade in CAD 100% Canadian
Coinsquare
$0 minimum income requiredNo minimum income required.
Bonus: no welcome bonus
WELCOME BONUS
$0Flytrippers Valuation Welcome bonus: none ($0)
Welcome bonus: $0

Best for: Another app-first exchange
Binance
$0 minimum income requiredNo minimum income required.
Bonus: no welcome bonus
WELCOME BONUS
$0Flytrippers Valuation Welcome bonus: none ($0)
Welcome bonus: $0

Best for: World's largest crypto platform
Terms and conditions apply. Flytrippers editorial opinion only. Financial institutions are not responsible for maintaining the content on this site. Please click "See More" to see most up-to-date information.

Other upcoming financial categories

Subscribe to our free travel rewards newsletter to get all our content to save money and travel more.

Best banking accounts for travelers
Best international ATM withdrawal options
Best international money transfer options
Best online investing services
More to be announced later

Get all our pro tips on how to earn more travel rewards with our newsletter

free. forever.

How our ranking of the best credit cards works

Here’s how we’ve designed the tables for each card ranking category, with more to come about each card in the non-beta version.

1. The card ranking category
So you can easily see which ranking this is.

2. The card image and card name
So you can easily see what card we’re talking about.

3. The minimum income required
So you can easily see if you are eligible for the card.

4. The Flytrippers Valuation
So you can easily see how much value you’ll get from the welcome bonus alone (clickable to see detailed calculations).

5. The minimum spend requirement
So you can easily see how much spend is required to unlock the welcome bonus.

6. The custom data column
So you can easily see why this card is included in that specific category ranking.

7. The link to the card’s page
So you can easily read more details about the card (that page will soon be revamped too).

How we calculate our Flytrippers Valuation

The key element in our ranking of the best credit cards in Canada is our Flytrippers Valuation. It’s there to help you understand how much a credit card’s welcome bonus is worth. We always include only the value you get from the welcome bonus, not from any additional spending whatsoever. Why?

First, not all point currencies are worth the same amount, so “20,000 points” means nothing: that can be worth $100 or that can be worth $300. The Flytrippers Valuation shows you the dollar value at a glance so you can compare credit cards more easily, apples to apples.

Second, we want to show you what you’ll get with just the welcome bonus since that’s the amount that will be the same for everyone regardless of what you decide to do after. The Flytrippers Valuation shows you the best-case maximization scenario to get the most points for the least spend.

For the beta version, the detailed Flytrippers Valuation and welcome bonus components is briefly broken down by clicking on the number. It will be even more detailed on each card page very soon.

For fixed-value rewards, the Flytrippers Valuation is obviously simply the guaranteed value of those points (those without the “≈” symbol).

For variable-value rewards, the Flytrippers Valuation is a very conservative and fair value for an average traveler—but you can easily get a lot more value with the same points if you use them well (or less if you use them badly). That’s the beauty of points with outsized value and unlimited value.

The relaunched card pages will show you concrete examples of how to get even more than the Flytrippers Valuation for each card that earns variable-value points (those with the “≈” symbol).

Reminder of credit card basics

If you are a beginner in the fascinating world of travel rewards and credit cards, there are very important rules to know about. Some are very counterintuitive, like for example how you should never cancel your old cards. That’s a common mistake that is very bad for your credit score.

For more great pro tips that are simply vital, please download our free checklist for when you get a new card.

Of course, you also need to understand why having more credit cards is better for your credit score (if paid on-time and in full—obviously), why welcome bonuses are the key to earning more travel rewards, why banks offer such generous welcome bonuses, and all the other credit card basics.

And stay tuned for our upcoming text and video content for beginners.

How to choose the best credit cards for you

There is simply no “best card” because that would be saying that having just one card is good (it’s not), that welcome bonuses never change (they do), or that every traveler is the same (you are not).

This topic will be a major one in our free travel rewards beginners course, but here is a brief overview of 7 things to consider when choosing.

1. Your level of ambition for travel rewards overall

If you aren’t interested in putting in any effort to earn travel rewards correctly by getting multiple credit card welcome bonuses every year, then your strategy will be a lot different than travelers who want to take travel rewards very seriously.

If your level of ambition is lower, card earn rates will be a bigger deciding factor since you’ll be doing this the (very) slow way with just the few points you earn on your regular purchases.

If your level of ambition is higher and you want to maximize your rewards, you’ll focus on the welcome bonuses.

2. Your desire to maximize the value you get and be flexible

Similarly, many travelers do not want to learn anything about how rewards work. There are 2 types of travel rewards: fixed-value rewards and variable-value rewards. Fixed-value rewards are very simple but will be a lot less valuable than variable-value rewards.

If you don’t want to invest any time, don’t want to be flexible, and don’t want to learn how to maximize the rewards, you should stick to easy fixed-value rewards as these are extremely simple and flexible.

If you want to invest a bit of time, be flexible, and maximize your rewards, you’ll focus on variable-value points that can offer outsized value and unlimited value. We’ll show you how you can easily maximize these.

3. Your income level

Sadly, most card issuers still discriminate based on income level and restrict some of their best cards to those who earn more money. You obviously need to take that into account when choosing cards.

If you earn under $60,000 per year (or $100,000 in combined income with your spouse), there are simply fewer options. It’s even more important to focus on welcome bonuses and variable-value rewards to get a thousand dollars per year in travel rewards in that situation (and to start generating non-employment income of any kind; see below).

If you earn over between $60,000 and $80,000 per year, you have access to almost all offers. Over $80,000 per year (or $150,000 in combined income with your spouse) will give you access to all offers except some very premium cards.

If you have non-employment income (reselling online, side gig of any kind, etc.) you’ll have access to many small business cards that are very worthwhile.