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CashSurgeCashSurge increases the value of credit cards by introducing an additional cash bonus. We’ll pay you up to $150 every time you are approved for a CashSurge credit card.
Get a $100 Cash Bonus
You could get a 0% promotional annual interest rate ("AIR")† for 12 months on balance transfers✪ completed within 90 days of account opening, with a 3% transfer fee.
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Get up to 10% cash back in your first 3 months and the $120 annual fee waived in the first year*
Get up to 60,000 points worth $400 in travel rewards, a $50 anniversary lifestyle credit and the $120 annual fee waived in your first year – that's a $570 value achieved by your first anniversary.
Get 20,000 points when you spend $1,500 in the first 3 months - that's a $133 value!* Plus, earn up to 5,000 bonus points every year.
Get a 0.99% introductory interest rate on Balance Transfers for 9 months, 2% fee applies to balance amounts transferred.*
$60 cash back when you make a mobile wallet purchase within the first 90 days and 6 automatic payments within the first 8 months for your Rogers, Fido or Shaw postpaid service.
Earn 5% cash back for your first 3 months (up to $2,500 in spending). Plus, get a 0.99% introductory interest rate on Balance Transfers for 9 months, 2% fee applies to balance amounts transferred.*
AIR MILES is a loyalty rewards program that allows you to become a member and earn rewards when you shop with any of the AIR MILES partners.
As an AIR MILES member, you can earn Miles on your day-to-day purchases and redeem them for amazing rewards such as flights, merchandise or gift cards.
When you use an AIR MILES credit card, you can easily collect bonus Miles with every eligible purchase, maximizing your AIR MILES rewards redemption rate. We’ve narrowed down the best AIR MILES credit cards in Canada, making choosing one easier.
We’ve picked the top AIR MILES credit cards in Canada to help you find the best card for all your credit card needs.
| First-year value* | Credit score required | Top features | ||
|---|---|---|---|---|
| $699 | Excellent | Comprehensive travel insurance, VIP lounge access, and an exclusive 15% flight discount on all North American AIR MILES flights. | ||
|
Runner up |
$342 | Good | Includes discounts on car rentals and purchase protection. | |
| $634 | Good | Comprehensive travel insurance (including Personal Effects) and accelerated rewards rates at Shell gas stations. |
*The RATESDOTCA Best of Finance methodology assumes the cardholder spends an average of $2,000 a month on their card to determine the first-year value. The calculation includes all welcome bonuses and promotional offers at the time of publishing.
With the BMO AIR MILES® World Elite* Mastercard®*, you can earn AIR MILES on all your purchases including groceries, wholesale clubs, membership-based retailers and alcohol retailers.
According to our methodology, the average Canadian will see $699 cash back in the first year.
Annual fee:
$120
Rewards
Benefits
Insurance coverage
The BMO AIR MILES® Mastercard®* is a no-annual-fee card for those looking to accelerate their AIR MILES rewards balance without fees cutting into their gains. You can also easily add additional cardholders for free and earn more MILES faster.
Annual fee:
$0
Annual fee for additional cardholders: $0
Rewards
With a BMO AIR MILES ® Business World Elite®* Mastercard®* you can add additional employee cards and maximize your AIRMILES rewards. You are protected against employee card abuse through the BMO Liability Waiver.
Annual fee:
$149 (Waived in first year)
Rewards
Rates, product information and reward estimates are subject to change at any time and do not constitute financial advice. This post was not sponsored. RATESDOTCA may receive a referral fee from our partners or affiliate links featured on the site; however, our editorial choices are objective and free from bias. The opinions expressed in this article are purely those of RATESDOTCA; thus, the credit card issuers and partners are not responsible for any editorials or reviews that may appear. Please visit the associated brand’s website for complete and current terms and conditions on any product or service mentioned. The information in this article is accurate as of the date of this posting, January 31, 2025. Read our full disclaimer.
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