Get the Best Credit Cards in Canada

• Cobalt Perks Program and AMEX ticket offers/exclusive access
• Enjoy access to hotel bookings, a room upgrade (when available), 12pm check-in and late check-out (when available), and up to $100 USD hotel credit to use on amenities when charged to the room for a stay of 2 or more consecutive nights through The Hotel Collection from American Express Travel
• Mobile Device Insurance - $1,000
• Flight Delay - $500
• Access Front Of The Line® Amex Presale & Reserved Tickets to some of your favourite concerts and theatre performances and special offers and events curated for Cardmembers with Amex Experiences^TM

Welcome Offer:

• In your first year as a new Cobalt Cardmember, you can earn 1,250 Membership Rewards® points for each monthly billing period in which you spend $750 in net purchases on your Card. This could add up to 15,000 points in a year. That’s up to $150 towards a weekend getaway or concert tickets

AMEX Rewards Points:

• 5x the points on eligible eats and drinks in Canada, including groceries and food delivery. Spend caps apply
• 3x the points on eligible streaming subscriptions in Canada
• 2 points for every $1 spent on eligible transit & gas purchases in Canada
• 1 additional point on eligible hotel and car rental bookings via American Express Travel Online
• 1x points for every $1 in card purchases everywhere else

• Personal Income: NA
• Household Income: NA
• Credit Score: Fair (<660)
• Canadian Resident
• Provincial Age of Majority

• Trip Interruption - $2,000
• Travel Accident - $500,000
• Extended Warranty - 2 years
• Complimentary Lounge Key Mastercard Airport Experiences membership
• Complimentary roadside assistance

Welcome Offer:

• Get up to 10% cash back in your first 3 months and the $120 annual fee waived in the first year*

BMO CashBack Rewards:

• 5% cash back on groceries*
• 4% cash back on transit including ride* sharing, taxis and public transportation*
• 3% cash back on gas*
• 2% cash back on recurring bill payments* including sreaming services*
• 1% unlimited cashback on all other purchases*

• Personal Income: $80,000
• Household Income: $150,000
• Credit Score: Excellent (740+)
• Canadian Resident
• Provincial Age of Majority

• Mobile Device - $1,000
• Trip Interruption - $2,000
• Travel Accident - $500,000
• Emergency Medical - 15 days
• Trip Cancellation - $1,500

Welcome Offer:

• Earn 10% cash back on all purchases for the first 3 months (up to $2,000 in total purchases)¹. Plus, no annual fee in the first year, including on supplementary cards¹.  Offer ends June 30, 2025.

Scotia Cash Back Rewards:

• 4% cash back earned on recurring bills and grocery purchases
• 2% cash back earned on gas and daily transit
• 1% cash back earned on all other purchases

• Personal Income: $60,000
• Household Income: $100,000
• Credit Score: Excellent (740+)
• Canadian Resident
• Provincial Age of Majority

• Annual Birthday Bonus Points‡ equal to 10% of the total number of Points earned in the 12 months before the month of your birthday (maximum 10,000 Points)
• Mobile Device Insurance - $1,000
• Purchase Protection - 90 days
• Extended Warranty - 1 Year
• Discounts at Avis Rent A Car and Budget Rent A Car locations

Welcome Offer:

• 5,000 bonus points†† ($25 in cash back value) after you make $500 or more in eligible purchases within the first 90 days of your account opening. Plus, 5,000 bonus points††($25 in cash back value) once enrolled for paperless e-statements within the first 90 days of account opening
• 4 points†† for every $1 spent on eligible restaurant, grocery, digital media, membership and household utility purchases during the first 90 days (until $10,000 is spent annually in the applicable category)

MBNA Rewards points:

• 2 points‡ for every $1 spent on eligible restaurant, grocery, digital media, memberships and household utility purchases (up to $10,000 spend)
• 1 point‡ for every $1 spent on all other eligible purchases

• Credit Score: Good (660+)
• Canadian Resident excludes Quebec residents
• Provincial Age of Majority