The 5 best credit cards

American Express Platinum Card
Annual fee
$799
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$1,190Annual credit$200Annual credit$200Annual credit$100Total$1,690$510 deferred bonus, excluded from the first-year estimate and not counted in this total.Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
$1,690
Welcome offerAfter $10,000 in 3 months
Up to 100,000 points
Apply Now

on American Express's website

Apply with confidenceCheck whether your application will be approved before you submit it, with no impact on your credit score*When you apply for a personal American Express Credit Card, we will tell you whether you are eligible without affecting your credit score. So you can apply with confidence.*Instant decisions are only available for consumer Card applications (also called “personal Cards”).

Features
Issuer
Amex
Network
Fees and terms
Annual Fee
$799/yr
Min. annual income
$0+
Read the full review
Rewards
Rate
Travel
2x
Restaurants
2x
Read the full review
RBC ION+ Visa Card
Annual fee
$48
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$238Total$238Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
$238
Welcome offer
14,000 points
Ends Jan 12, 2027
Apply Now

on RBC's website

Features
Issuer
RBC
Network
Fees and terms
Annual Fee
$48/yr
Min. annual income
$0+
Read the full review
Rewards
Rate
Groceries
3x
Gas
3x
Transit
3x
Streaming
3x
Restaurants
3x
Read the full review
TD Aeroplan Visa Infinite Card
Annual feeNo annual fee the first year
$0 $139
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$1,000Annual fee rebated$139Annual credit$100Total$1,239Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
$1,239
Welcome offerAfter $12,000 in 12 months
Up to 50,000 points
Apply Now

on TD's website

Features
Issuer
TD
Network
Program
Aeroplan
Fees and terms
Annual Fee
$139/yr
Min. annual income
$60,000+
Read the full review
Rewards
Rate
Gas
1.5x
Groceries
1.5x
Air Canada flights
1.5x
Read the full review
BMO VIPorter World Elite Mastercard
Annual feeNo annual fee the first year
$0 $199
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$1,050Annual fee rebated$199Total$1,249Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
$1,249
Welcome offer+ one round-trip companion passTo earn all Bonus Points: cumulative purchases of $5,000 within 110 days, $9,000 within 180 days and $18,000 within 365 days of account opening.
Up to 70,000 points
Ends Oct 31, 2027
Apply Now

on BMO's website

Features
Issuer
BMO
Network
Fees and terms
Annual Fee
$199/yr
Min. annual income
$80,000+
Read the full review
Rewards
Rate
Porter flights
3x
Groceries
2x
Convenience
2x
Transit
2x
Gas
2x
Restaurants
2x
Read the full review