Editor's picks

The 5 best credit cards

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American Express Platinum Card
Annual fee
$799
Our valuation
$2,200
Welcome offer
Up to 100,000 points
Apply Now

on American Express's website

Apply with confidence — no impact on your credit scoreApply 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
—
Read the full review
Rewards
Rate
Travel
2x
Restaurants
2x
Read the full review
RBC ION+ Visa Card
Annual fee
$48
Our valuation
$420
Welcome offer
Up to 28,000 points
Ends Nov 4, 2026
Apply Now

on RBC's website

Features
Issuer
RBC
Network
Fees and terms
Annual Fee
$48/yr
Min. annual income
—
Read the full review
Rewards
Rate
Groceries
3x
Gas & EV
3x
Transit
3x
Streaming
3x
Restaurants
3x
Read the full review
TD Aeroplan Visa Infinite Card
Annual fee
$0 $139
Our valuation
$1,239
Welcome offer
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 & EV
1.5x
Groceries
1.5x
Air Canada flights
1.5x
Read the full review
BMO VIPorter World Elite Mastercard
Annual fee
$0 $199
Our valuation
$1,249
Welcome offer
Up to 70,000 points
Ends Oct 31, 2026
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 & EV
2x
Restaurants
2x
Read the full review