Get Your First
Canadian Credit Card
as a Non-Resident

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Here are the best cards right now!

Best credit card offers
(April 2025)
launch
BMO VIPorter World Elite Mastercard
BMO VIPorter World Elite®* Mastercard®*
Flytrippers Valuation (BONUS)
(≈ 8.8% back on $18k)
Rewards: ≈ $1590
Card fee: $0 $199
Spend required:$18k in 12 mos. (or $5k/$9k)
Best for: Incredible offer for those with more spending
SIMPLE 80k/150k
limited time
launch
BMO VIPorter Mastercard
BMO VIPorter Mastercard®*
Flytrippers Valuation (BONUS)
(≈ 7.5% back on $10k)
Rewards: ≈ $750
Card fee: $0 $89
Spend required:$10k in 12 mos. (or $3k/$6k)
Best for: Great offer for those with more spending
SIMPLE
limited time
TD First Class Travel Visa Infinite Card (excl. QC)
TD First Class Travel® Visa Infinite* Card
Flytrippers Valuation (BONUS)
( 20.5% back on $5k)
Rewards: $1025
Annual fee: $0 $139
Spend required:$5k in 6 mos.
Best for: Among highest offers ever seen for simple points
SIMPLE 60k/100k
American Express Gold Rewards Card
American Express® Gold Rewards Card
Flytrippers Valuation (BONUS)
(≈ 7.8% back on $12k)
Rewards: ≈ $1180
Card fee: $250
Spend required:$12k in 12 mos.
Best for: Lucrative rewards and 4 passes for VIP airport lounges
LUCRATIVE
record-high
RBC Avion Visa Infinite Card
RBC Avion Visa Infinite Card
Flytrippers Valuation (BONUS)
(≈ 15.6% back on $5k)
Rewards: ≈ $900
Card fee: $120
Spend required:$5k in 6 mos.
Best for: Lucrative rewards w/ unlim. value great if you're flexible
LUCRATIVE 60k/100k
ends June 11th
best
American Express Cobalt Card
American Express Cobalt® Card
Flytrippers Valuation (BONUS)
(≈ 8.3% back on $9k)
Rewards: ≈ $900
Card fee: $156
Spend required:$9k in 12 mos.
Best for: Best overall  card in Canada
LUCRATIVE
Scotiabank Gold American Express Card
Scotiabank Gold American Express® Card
Flytrippers Valuation (BONUS)
( 8.7% back on $7.5k)
Rewards: $775
Card fee: $120
Spend required:$7.5k in 12 mos. (or $2k)
Best for: Very good travel insurance and earn rate
SIMPLE 12k
ends July 1st
TD Aeroplan Visa Infinite Card
TD® Aeroplan® Visa Infinite* Card
Flytrippers Valuation (BONUS)
(≈ 5.3% back on $12k)
Rewards: ≈ $641
Annual fee: $0 $139
Spend required:$12k in 12 mos. (incl. $7.5k in 180 days)†
Best for: Valuable Aeroplan pts and travel benefits like free bags on AC
LUCRATIVE 60k/100k
Platinum Card from American Express
Platinum Card® from American Express
Flytrippers Valuation (BONUS)
(≈ 6.5% back on $10k)
Rewards: ≈ $1451
Card fee: $799
Spend required:$10k in 3 mos.
Best for: Unlimited access to VIP airport lounges and lucrative rewards
LUCRATIVE
Scotiabank Platinum American Express Card
Scotiabank Platinum American Express® Card
Flytrippers Valuation (BONUS)
( 6.0% back on $10k)
Rewards: $1000
Card fee: $399
Spend required:$10k in 14 mos. (or $3k)
Best for: 10 airport lounge passes and no FX fees
SIMPLE 12k
ends October 31st
TD Aeroplan Visa Infinite Privilege Card
TD® Aeroplan® Visa* Infinite Privilege* Card
Flytrippers Valuation (BONUS)
(≈ 2.2% back on $24k)
Rewards: ≈ $1126
Annual fee: $599
Spend required:$24k in 12 mos. (or $12k)
Best for: For Air Canada lounge access and 6 passes (other lounges)
LUCRATIVE 150k/200k
RBC Avion Visa Infinite Privilege Card
RBC Avion Visa Infinite Privilege Card
Flytrippers Valuation (BONUS)
(≈ 10.4% back on $5k)
Rewards: ≈ $919
Card fee: $399
Spend required:$5k in 6 mos.
Best for: Lucrative pts and 6 passes for VIP airport lounges
LUCRATIVE 200k/200k
limited time
American Express Business Gold Rewards Card
American Express® Business Gold Rewards Card
Flytrippers Valuation (BONUS)
(≈ 6.9% back on $7.5k)
Rewards: ≈ $713
Card fee: $199
Spend required:$7.5k in 3 mos.
Best for: More valuable Amex points for Aeroplan or Avios
LUCRATIVE
American Express Aeroplan Reserve Card
American Express® Aeroplan®* Reserve Card
Flytrippers Valuation (BONUS)
(≈ 5.9% back on $7.5k)
Rewards: ≈ $1041
Card fee: $599
Spend required:$7.5k in 3 mos.
Best for: For Air Canada lounge access & other AC benefits
LUCRATIVE
Marriott Bonvoy American Express Card
Marriott Bonvoy™ American Express® Card
Flytrippers Valuation (BONUS)
(≈ 23.8% back on $1.5k)
Rewards: ≈ $477
Card fee: $120
Spend required:$1.5k in 3 mos.
Best for: Very lucrative hotel points for specific hotels
LUCRATIVE
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
(April 2025)		 WELCOME BONUS
(Flytrippers VALUATION)		 Best
for
launch
 BMO VIPorter World Elite Mastercard
BMO VIPorter World Elite®* Mastercard®*
Min. income (card):
Min. spend (bonus): $18k in 12 mos. (or $5k/$9k for lower bonus)
Rewards: ≈ $1590
Card fee: $0 $199
Incredible offer
for those
with more spending
limited time
launch
 BMO VIPorter Mastercard
BMO VIPorter Mastercard®*
Min. income (card):
Min. spend (bonus): $10k in 12 mos. (or $3k/$6k for lower bonus)
Rewards: ≈ $750
Card fee: $0 $89
Great offer
for those
with more spending
limited time
TD First Class Travel Visa Infinite Card (excl. QC)
TD First Class Travel® Visa Infinite* Card
Min. income (card):
Min. spend (bonus): $5k in 6 months
Rewards: $1025
Annual fee: $0 $139
Among highest
offers ever seen
for simple points
American Express Gold Rewards Card
American Express® Gold Rewards Card
Min. income (card):
Min. spend (bonus): $1k/month for 12 months
Rewards: ≈ $1180
Card fee: $250
Lucrative rewards
and 4 passes
for VIP airport lounges
record-high
 RBC Avion Visa Infinite Card
RBC Avion Visa Infinite Card
Min. income (card):
Min. spend (bonus): $5k in 6 mos.
Rewards: ≈ $900
Card fee: $120
Lucrative rewards
w/ unlim. value
great if you're flexible
ends June 11th

 apply now
best
 American Express Cobalt Card
American Express Cobalt® Card
Min. income (card):
Min. spend (bonus): $750/month for 12 months
Rewards: ≈ $900
Card fee: $156
Best overall
card
in Canada
Scotiabank Gold American Express Card
Scotiabank Gold American Express® Card
Min. income (card):
Min. spend (bonus): $7.5k in 12 mos. (or $2k for lower bonus)
Rewards: $775
Card fee: $120
Very good
travel insurance
and earn rate
ends July 1st
TD Aeroplan Visa Infinite Card
TD® Aeroplan® Visa Infinite* Card
Min. income (card):
Min. spend (bonus): $12k in 12 mos. (incl. $7.5k in 180 days)†
Rewards: ≈ $641
Annual fee: $0 $139
Valuable Aeroplan pts
and travel benefits
like free bags on AC
Platinum Card from American Express
Platinum Card® from American Express
Min. income (card):
Min. spend (bonus): $10k in 3 mos.
Rewards: ≈ $1451
Card fee: $799
Unlimited access to
VIP airport lounges
and lucrative rewards
Scotiabank Platinum American Express Card
Scotiabank Platinum American Express® Card
Min. income (card):
Min. spend (bonus): $10k in 14 mos. (or $3k for lower bonus)
Rewards: $1000
Card fee: $399
10 airport
lounge passes
and no FX fees
ends October 31st
TD Aeroplan Visa Infinite Privilege Card
TD® Aeroplan® Visa* Infinite Privilege* Card
Min. income (card):
Min. spend (bonus): $24k in 12 mos. (or $12k for lower bonus)
Rewards: ≈ $1126
Annual fee: $599
For Air Canada
lounge access and
6 passes (other lounges)
RBC Avion Visa Infinite Privilege Card
RBC Avion Visa Infinite Privilege Card
Min. income (card):
Min. spend (bonus): $5k in 6 mos.
Rewards: ≈ $919
Card fee: $399
Lucrative pts
and 6 passes for
VIP airport lounges
limited time
American Express Business Gold Rewards Card
American Express® Business Gold Rewards Card
Card: no business required
Min. spend (bonus): $7.5k in 3 mos.
Rewards: ≈ $713
Card fee: $199
More valuable
Amex points
for Aeroplan or Avios
American Express Aeroplan Reserve Card
American Express® Aeroplan®* Reserve Card
Min. income (card):
Min. spend (bonus): $7.5k in 3 mos.
Rewards: ≈ $1041
Card fee: $599
For Air Canada
lounge access
& other AC benefits
Marriott Bonvoy American Express Card
Marriott Bonvoy™ American Express® Card
Min. income (card):
Min. spend (bonus): $1.5k in 3 mos.
Rewards: ≈ $477
Card fee: $120
Very lucrative
hotel points
for specific hotels
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.

Follow these simple steps:

  1. Get a Canadian address
    • Use a trusted friend or family member’s address if needed
  2. Open a free KOHO account
    • Quick setup, no fees
  3. Call American Express Global transfer
    • Use your existing credit score from your home country (if you own an Amex card, otherwise either open one or you’ll need to apply for a credit builder card).
    • Apply for an Amex card that fits your needs
      • We recommend the X
  4. Monitor your credit
    • Sign up for Borrowell to track your new Canadian credit score
  5. Build your credit
    • Use your card responsibly for at least 6 months
    • Apply for additional cards when your score improves
    •  
  •  

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