Get the Best Credit Cards in Canada

• Cobalt Perks Program and AMEX ticket offers/exclusive access
• Travel Accident - $250,000
• Mobile Device Insurance - $1,000
• Flight Delay - $500
• Access Front Of The Line^® Presale & Reserved Tickets to some of your favourite concerts and theatre performances and special offers and events curated for Cardmembers with American Express^® Experiences

Welcome Offer:

• Earn 2,500 Membership Rewards^® points for each monthly billing period in which you spend $500 in net purchases on your Card. This could add up to 30,000 points in a year.  That's up to $300 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
• 3x the points on eligible streaming subscriptions in Canada travel, transit & gas purchases in Canada
• 2 points for every $1 spent on eligible transit & gas purchases in Canada and eligible travel purchases.
• 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 April 30, 2023

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
• Travel Accident - $1,000,000
• Discounts at Avis Rent A Car and Budget Rent A Car locations
• Rental Car Accident - $200,000

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