Planning Your Next Winter Vacation – 6 Easy Steps To Save Big On Your Next Getaway

If you're thinking about taking a winter vacation, it's time to start planning.

Where will you go? What will you do? All questions that need answering before you can even begin to make a booking.

As someone who recently booked my own vacation, here are the steps I ended up following in my quest to find the perfect vacation.

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Steps on planning your perfect winter vacation

I recently went through the process of planning a winter vacation.

There's a lot to consider, from what activities you want to do, keeping tabs on prices, and tricky booking processes. Here are 6 steps to follow to focus your line of thinking as to where you should go this winter.

1. Decide on what you want to do for your winter vacation

First, you need to decide on what you want to do with your vacation. It's a straightforward question to answer.

For many, you'll simply want to head somewhere warm and hit the pool or beach. Take a break from the cold that we experience all too much of in Canada.

Maybe you want a Disney World experience, or want to head to other major amusement parks.

Perhaps a golfing trip is more your thing, or you want to party in a place like Las Vegas.

And for others, you want to embrace the cold and do something like hit the slopes for a week.

Whatever you're into, this is where to start.

For us, this was simple. We want a beach and pool vacation to get away from winter for a week.

2. Decide on where and when you want to go

Steps 2 and 3 go hand in hand, and may be repeated several times.

First, you have to decide on where you want to go. For some vacations, this is easy. If you want a Disney World vacation, well, you can skip ahead to the next step – you're off to Orlando.

For others, it's not so simple. For a Mexican/Caribbean beach holiday, this can be difficult to do. You've not only got a plethora of destinations, but multiple resorts to look at too.

First, whittle down exactly where you want to go, or at least make a short list of destinations to consider. If other family members are taking a vacation, that can help decide on where you want to go.

One other factor that can help decide – flights from your airport. This is especially true for sunny destinations. If you want a direct flight, you may be faced with limited options. If this is you, head to step 5 and check out your flight options. This alone can shrink down your list.

You'll also have to decide on when you want to go. March break is the best choice for many so no one is missing a week of school. For others, it's wide open. Step 3 can help, as prices (and crowding) will vary based on when you go. March is usually more expensive than other months.

Once that's done, you can head to step 3.

Looking at flights from our airport helped us decide on destinations. Flying out of Moncton, we basically got these destinations to look at (if you're curious, here's their schedule for winter 2026):

• Varadero,
• Cayo Coco,
• Punta Cana,
• Montego Bay,
• Puerto Plata, and
• Cancun.

We knew we didn't want to go to Cuba since we had been before, so that ruled out Varadero and Cayo Coco.

We also weren't keen on Cancun or Puerto Plata, so that left us with Punta Cana and Montego Bay.

3. Decide on how much you want to spend

You now have to decide how much you want to spend. Set a budget for yourself and don't spend more than you can afford.

With the destinations you picked, start looking at various dates and skim the results and see what the prices are, just to get an idea. This can help decide when you want to go.

Let's take the Caribbean as an example – the prices you'll pay can fluctuate wildly depending on where you want to go. Sure, Turks and Caicos is an excellent high-end destination, but you'll also pay through the roof for it. We were curious about it, but didn't want to spend US$10,000+ for a week (that didn't include flights) when we could easily pay less than half of that elsewhere.

Another example is if you want to head to a ski resort. Take Mont Tremblant for instance. They have a lovely resort right on the hill, so you can ski in and out with ease. But that also costs more than staying somewhere else where you'll have to drive to the hill.

How much you're willing to spend can cut down where you want to go. In some cases, you may end up back at the drawing board and have to go back to step 2.

As for us, when looking at a few resorts in both places, Montego Bay was more expensive than Punta Cana, so it was decided right there. Punta Cana or bust!

4. Research hotels and resorts at your destination

This may be the hardest and most time consuming part – deciding on where you want to stay. No matter where you go, you'll be faced with a plethora of options.

In some cases, this is where a travel agent can help out, particularly on those sunny destination vacations. Tell them what you want, and they can put together a few recommendations for you to think about. They get feedback from clients on where they want to stay and can help shape decisions for others. A travel agent helped us out on our last trip to Cuba.

It took us a while to pick, but we settled on a unique resort that had a large water park in it.

And yes, other extended family members were also going there, so that helped shape our decision.

5. Figure out your transportation (if required)

This may or may not be easy – figure out how you're getting there.

If your trip is simply hopping in your car and heading out, skip to the last step.

For many of us, you'll need to book some flights.

For us, this was simple, we knew our dates and had 2 flight options to choose between Sunwing and Air Transat. And that choice was simple – Air Transat had a much better flight schedule so they were our pick (travelling with small kids, I didn't want to land in Moncton at 3:40 am). The prices were similar, so there was no issue in that regard.

As we stated in step 2, this may help when deciding on a short list of destinations.

6. Make your booking

You're finally here – it's time to make your bookings. You've picked out where you want to go and how you're getting there.

For sunny destinations, there's one more decision to make – booking a package versus booking your flights and resort separately. Most of the time, booking together is easier. You'll probably get a better price and maybe even get a free transfer to your hotel.

But that's not always the case. And in our case, Air Transat didn't have a package option involving our chosen resort. However, Sunwing did.

But that wasn't an issue. In fact, it worked out even better. It turned out that our resort was (I would say) secretly a Marriott hotel. And since we booked straight with them, we were set to earn a pile of Marriott points when we were done and we'd get Marriott Silver Elite benefits while we were there thanks to having the Marriott Bonvoy American Express Card.

Sure, we have to find our own way to the resort, but that's more than offset in terms of what we'd be getting back.

So there you have it – your 6 step guide to a perfect winter vacation. And now you can relax, book your time off work, and start your countdown to when you leave.

Best credit cards you can get to help pay for any winter vacation

Vacations aren't cheap. But luckily there's a way to help pay for them – with a flexible rewards credit card.

Thanks to these credit cards, you can earn points on all your purchases, then use your points to help pay for your vacation.

Here are your best options.

We will point out if you're absolutely certain you'll be travelling on Air Canada or WestJet, then you'll be excited for what their cards have to offer.

The best travel credit card in Canada

American Express Cobalt^® Card

3.8 Genius Rating

4.1 (80) User reviews

×9 Award winner

$100 GeniusCash + Earn up to 15,000 Welcome Bonus Membership Rewards^® Points.^*

Annual fee

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Welcome bonus

$150^◊
15,000 points

Annual rewards
$810^◊
GC Ends: Apr 15, 2026

GC: $100

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Instant approval: Yes

Credit estimate:

American Express Cobalt^® Card

GC: $100

3.8 Genius Rating

4.1 (80) User reviews

9x Award winner

$100 GeniusCash + Earn up to 15,000 Welcome Bonus Membership Rewards^® Points.^*

Annual fee

See rates

Learn more

Welcome bonus

$150^◊
15,000 points

Annual rewards
$810^◊
GC Ends:

Apr 15, 2026

Credit estimate:

 (660 - 724)

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Instant approval: Yes

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The best travel credit card is always a good place to start – the American Express Cobalt Card.

With this card, you'll not only earn plenty of points, but get plenty of ways to redeem them for travel.

Here's what you'll earn:

• 5 points per $1 spent on eligible groceries and restaurants (up to $2,500 spent per month)
• 3 points per $1 spent on eligible streaming services
• 2 points per $1 spent on eligible gas, transit, and ride share purchases
• 1 point per $1 spent on foreign currency purchases
• 1 point per $1 spent on all other purchases

But it's also what your points are worth that matters here, and they're worth quite a lot.

Here are your various travel redemption options, and what you can expect to get for annual rewards.

That's a lot of rewards on your spending for an annual fee of $191.88.

Want to learn more? Here's our full guide to the American Express Membership Rewards program.

The best flexible rewards credit card

MBNA Rewards World Elite^® Mastercard^®

5.0 Genius Rating

3.3 (81) User reviews

×7 Award winner

$20 GeniusCash + Up to 30,000 bonus points + birthday bonus worth up to 15k points.^*

Annual fee

$120.00

Learn more

Welcome bonus

$300^◊
30,000 points

Annual rewards
$1,030^◊
GC Ends: Apr 30, 2026

GC: $20

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Instant approval: Yes

Credit estimate:

MBNA Rewards World Elite^® Mastercard^®

GC: $20

5.0 Genius Rating

3.3 (81) User reviews

7x Award winner

$20 GeniusCash + Up to 30,000 bonus points + birthday bonus worth up to 15k points.^*

Annual fee

$120.00

Learn more

Welcome bonus

$300^◊
30,000 points

Annual rewards
$1,030^◊
GC Ends:

Apr 30, 2026

Credit estimate:

 (725 - 759)

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Instant approval: Yes

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If you want to keep it simple, the MBNA Rewards World Elite Mastercard will offer you plenty of points on purchase anywhere, including Costco.

Here's what you'll get:

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• 5 points for every $1 spent on restaurants, groceries, and select recurring bills (up to $50,000 spent annually per category)
• 1 point per $1 spent on all other purchases
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You can use your points to redeem for any travel booked through MBNA Rewards, where each point is worth 1 cent. Based on a typical $2,000 monthly spend, you're looking at annual rewards of $686.4.

A flexible rewards credit card with savings on travel fees

National Bank World Elite Mastercard

3.0 Genius Rating

3.2 (16) User reviews

Annual fee

$150.00

Learn more

Welcome bonus

$400^◊
40,000 points

Annual rewards
$558^◊
Learn more

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National Bank World Elite Mastercard

3.0 Genius Rating

3.2 (16) User reviews

Annual fee

$150.00

Learn more

Welcome bonus

$400^◊
40,000 points

Annual rewards
$558^◊
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Credit estimate:

 (760 - 900)

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Instant approval: Yes

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The National Bank World Elite Mastercard offers more than just rewards – you'll also get savings while on your trip.

First, the rewards you'll earn on purchases:

• 5 points per $1 spent on groceries and restaurants, up to $2,500 in total spend per month (2 points after)
• 2 points per $1 spent on gas, electric vehicle charging, recurring bills, and travel booked through À La Carte Rewards
• 1 point per $1 spent on all other purchases

When redeemed for flights and vacation packages through NBC Rewards, you're looking at annual rewards of $372, as each point is worth 1 cent.

But there's more. Every year you have the card, you'll receive a $150 travel credit that can be used towards the following:

• airport parking,
• baggage fees,
• seat selection,
• airport lounge access, and
• airline seat upgrades.

Use the full amount, and you've offset the $150.

Finally, if you travel through Montreal, you'll get free access to the National Bank lounge in the international departures area.

A no annual fee travel credit card

Scotiabank American Express^® Card

4.0 Genius Rating

3.0 (5) User reviews

Annual fee

$0.00

Learn more

Welcome bonus

$50^◊
5,000 Scene+ points

Annual rewards
$522^◊
Offer Ends: Apr 30, 2026

Apply Now Learn More

Scotiabank American Express^® Card

4.0 Genius Rating

3.0 (5) User reviews

Annual fee

$0.00

Learn more

Welcome bonus

$50^◊
5,000 Scene+ points

Annual rewards
$522^◊
Offer Ends:

Apr 30, 2026

Credit estimate:

 (660 - 724)

Apply Now Learn More

Instant approval: Yes

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For the person who prefers no annual fees, the Scotiabank American Express Card is an excellent choice.

It's a Scene+ credit card, so here's what you'll earn for rewards:

• 3 Scene+ points per $1 spent at Sobeys, Safeway, FreshCo and more
• 2 Scene+ points per $1 spent on grocery, dining and entertainment, gas, daily transit, and select streaming services
• 1 Scene+ point per $1 spent on all other purchases

You can redeem them either through the Scene+ Expedia portal or for travel from any provider. Either way, your points are worth $1, and will give you around $348 in annual rewards.

Here are a few other no fee credit cards you can also take a look at.

MBNA Rewards Platinum Plus^® Mastercard^®

4.2 Genius Rating

3.3 (11) User reviews

×1 Award winner

Annual fee

$0.00

Learn more

Welcome bonus

$127^◊
12,700 points

Annual rewards
$554^◊
Learn more

Apply Now Learn More

MBNA Rewards Platinum Plus^® Mastercard^®

4.2 Genius Rating

3.3 (11) User reviews

1x Award winner

Annual fee

$0.00

Learn more

Welcome bonus

$127^◊
12,700 points

Annual rewards
$554^◊
Learn more

Credit estimate:

 (660 - 724)

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Instant approval: Yes

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American Express^® Green Card

3.3 Genius Rating

5.0 (4) User reviews

×1 Award winner

10,000 Welcome Bonus Membership Rewards^® points + No Annual Fee.^*

Annual fee

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Welcome bonus

$100^◊
10,000 points

Annual rewards
$378^◊
Learn more

Apply Now Learn More

Instant approval: Yes

Credit estimate:

American Express^® Green Card

3.3 Genius Rating

5.0 (4) User reviews

1x Award winner

10,000 Welcome Bonus Membership Rewards^® points + No Annual Fee.^*

Annual fee

See rates

Learn more

Welcome bonus

$100^◊
10,000 points

Annual rewards
$378^◊
Learn more

Credit estimate:

 (725 - 759)

Apply Now Learn More

Instant approval: Yes

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No foreign exchange fee credit cards

If your trip takes you out of the country or you have to pay for parts of your reservation in foreign currency, you'll want a credit card that charges no foreign exchange fees.

This way, you can save an additional 2.5% on these purchases, on top of the rewards you're earning.

Here are a few different cards you can look at in this regard.

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American Express Cobalt^® Card

5.0 Genius Rating

4.1 (80) User reviews

×9 Award winner

$100 GeniusCash + Earn up to 15,000 Welcome Bonus Membership Rewards^® Points.^*

Annual fee

See rates

Learn more

Welcome bonus

$300^◊
15,000 points

Annual rewards
$1,620^◊
GC Ends: Apr 15, 2026

GC: $100

I Want This Deal Learn More

Instant approval: Yes

Credit estimate:

American Express Cobalt^® Card

GC: $100

5.0 Genius Rating

4.1 (80) User reviews

9x Award winner

$100 GeniusCash + Earn up to 15,000 Welcome Bonus Membership Rewards^® Points.^*

Annual fee

See rates

Learn more

Welcome bonus

$300^◊
15,000 points

Annual rewards
$1,620^◊
GC Ends:

Apr 15, 2026

Credit estimate:

 (660 - 724)

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Instant approval: Yes

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RBC Avion Visa Infinite Privilege

4.6 Genius Rating

3.0 (37) User reviews

×5 Award winner

Annual fee

$399.00

Learn more

Welcome bonus

$1,751^◊
70k points + $120

Annual rewards
$1,049^◊
Learn more

Apply Now Learn More

RBC Avion Visa Infinite Privilege

4.6 Genius Rating

3.0 (37) User reviews

5x Award winner

Annual fee

$399.00

Learn more

Welcome bonus

$1,751^◊
70k points + $120

Annual rewards
$1,049^◊
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Credit estimate:

 (660 - 724)

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Instant approval: Yes

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RBC Avion Visa Infinite

4.4 Genius Rating

2.0 (80) User reviews

×2 Award winner

Up to 55,000 points + Up to 2.33% return on purchases.^*

Annual fee

$120.00

Learn more

Welcome bonus

$1,402^◊
55k points + $120

Annual rewards
$849^◊
Offer Ends: Jun 15, 2026

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Instant approval: Yes

Credit estimate:

RBC Avion Visa Infinite

4.4 Genius Rating

2.0 (80) User reviews

2x Award winner

Up to 55,000 points + Up to 2.33% return on purchases.^*

Annual fee

$120.00

Learn more

Welcome bonus

$1,402^◊
55k points + $120

Annual rewards
$849^◊
Offer Ends:

Jun 15, 2026

Credit estimate:

 (660 - 724)

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Instant approval: Yes

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CIBC Aventura^® Visa Infinite^* Card

4.3 Genius Rating

2.4 (18) User reviews

×1 Award winner

Earn up to 45,000 Aventura points + 4 free lounge passes per year.^†

Rates & fees

See rates

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Welcome bonus

$1,151^◊
45k points + $120

Annual rewards
$958^◊
Learn more

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Instant approval: Yes

Credit estimate:

CIBC Aventura^® Visa Infinite^* Card

4.3 Genius Rating

2.4 (18) User reviews

1x Award winner

Earn up to 45,000 Aventura points + 4 free lounge passes per year.^†

Rates & fees

See rates

Learn more

Welcome bonus

$1,151^◊
45k points + $120

Annual rewards
$958^◊
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Credit estimate:

 (560 - 659)

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Instant approval: Yes

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CIBC Aventura^® Visa Infinite^* Card (QC)

4.2 Genius Rating

3.0 (1) User reviews

Earn up to 45,000 Aventura points + 4 free lounge passes per year.^*

Rates & fees

See rates

Learn more

Welcome bonus

$1,151^◊
45k points + $120

Annual rewards
$958^◊
Learn more

Apply Now Learn More

Instant approval: Yes

Credit estimate:

CIBC Aventura^® Visa Infinite^* Card (QC)

4.2 Genius Rating

3.0 (1) User reviews

Earn up to 45,000 Aventura points + 4 free lounge passes per year.^*

Rates & fees

See rates

Learn more

Welcome bonus

$1,151^◊
45k points + $120

Annual rewards
$958^◊
Learn more

Credit estimate:

 (560 - 659)

Apply Now Learn More

Instant approval: Yes

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MBNA Rewards World Elite^® Mastercard^®

4.2 Genius Rating

3.3 (81) User reviews

×7 Award winner

$20 GeniusCash + Up to 30,000 bonus points + birthday bonus worth up to 15k points.^*

Annual fee

$120.00

Learn more

Welcome bonus

$300^◊
30,000 points

Annual rewards
$1,030^◊
GC Ends: Apr 30, 2026

GC: $20

I Want This Deal Learn More

Instant approval: Yes

Credit estimate:

MBNA Rewards World Elite^® Mastercard^®

GC: $20

4.2 Genius Rating

3.3 (81) User reviews

7x Award winner

$20 GeniusCash + Up to 30,000 bonus points + birthday bonus worth up to 15k points.^*

Annual fee

$120.00

Learn more

Welcome bonus

$300^◊
30,000 points

Annual rewards
$1,030^◊
GC Ends:

Apr 30, 2026

Credit estimate:

 (725 - 759)

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Instant approval: Yes

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Scotiabank Gold American Express^® Card

4.1 Genius Rating

3.2 (60) User reviews

×3 Award winner

$60 GeniusCash + Up to 45,000 bonus points + No foreign exchange fees.^*

Annual fee

$120.00

Learn more

Welcome bonus

$450^◊
45,000 Scene+ points

Annual rewards
$882^◊
GC Ends: Apr 30, 2026

GC: $60

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Instant approval: Yes

Credit estimate:

Scotiabank Gold American Express^® Card

GC: $60

4.1 Genius Rating

3.2 (60) User reviews

3x Award winner

$60 GeniusCash + Up to 45,000 bonus points + No foreign exchange fees.^*

Annual fee

$120.00

Learn more

Welcome bonus

$450^◊
45,000 Scene+ points

Annual rewards
$882^◊
GC Ends:

Apr 30, 2026

Credit estimate:

 (660 - 724)

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Instant approval: Yes

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TD First Class Travel^® Visa Infinite^* Card

4.0 Genius Rating

3.6 (79) User reviews

$20 GeniusCash + Up to 165,000 TD Rewards points (conditions apply).^*

Annual fee

$139.00 $0

1st year waived

Welcome bonus

$825^◊
165,000 points

Annual rewards
$698^◊
GC Ends: Apr 30, 2026

GC: $20

I Want This Deal Learn More

Instant approval: Yes

Credit estimate:

TD First Class Travel^® Visa Infinite^* Card

GC: $20

4.0 Genius Rating

3.6 (79) User reviews

$20 GeniusCash + Up to 165,000 TD Rewards points (conditions apply).^*

Annual fee

$139.00 $0

1st year waived

Welcome bonus

$825^◊
165,000 points

Annual rewards
$698^◊
GC Ends:

Apr 30, 2026

Credit estimate:

 (660 - 724)

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Instant approval: Yes

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CIBC Aventura^® Gold Visa^* Card

4.0 Genius Rating

3.4 (5) User reviews

Earn up to 45,000 Aventura points + 4 free lounge passes per year.^*

Rates & fees

See rates

Learn more

Welcome bonus

$1,151^◊
45k points + $120

Annual rewards
$958^◊
Learn more

Apply Now Learn More

Instant approval: Yes

Credit estimate:

CIBC Aventura^® Gold Visa^* Card

4.0 Genius Rating

3.4 (5) User reviews

Earn up to 45,000 Aventura points + 4 free lounge passes per year.^*

Rates & fees

See rates

Learn more

Welcome bonus

$1,151^◊
45k points + $120

Annual rewards
$958^◊
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Credit estimate:

 (560 - 659)

Apply Now Learn More

Instant approval: Yes

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CIBC Aventura^® Gold Visa^* Card (QC)

4.0 Genius Rating

1.0 (1) User reviews

Earn up to 45,000 Aventura points + 4 free lounge passes per year.^*

Rates & fees

See rates

Learn more

Welcome bonus

$1,151^◊
45k points + $120

Annual rewards
$958^◊
Learn more

Apply Now Learn More

Instant approval: Yes

Credit estimate:

CIBC Aventura^® Gold Visa^* Card (QC)

4.0 Genius Rating

1.0 (1) User reviews

Earn up to 45,000 Aventura points + 4 free lounge passes per year.^*

Rates & fees

See rates

Learn more

Welcome bonus

$1,151^◊
45k points + $120

Annual rewards
$958^◊
Learn more

Credit estimate:

 (560 - 659)

Apply Now Learn More

Instant approval: Yes

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TD^® Aeroplan^® Visa Infinite^* Card

4.0 Genius Rating

2.9 (38) User reviews

×2 Award winner

Up to 45,000 Aeroplan points + Free checked bags on Air Canada.^*

Annual fee

$139.00 $0

1st year waived

Welcome bonus

$900^◊
45,000 points

Annual rewards
$837^◊
Learn more

Apply Now Learn More

Instant approval: Yes

Credit estimate:

TD^® Aeroplan^® Visa Infinite^* Card

4.0 Genius Rating

2.9 (38) User reviews

2x Award winner

Up to 45,000 Aeroplan points + Free checked bags on Air Canada.^*

Annual fee

$139.00 $0

1st year waived

Welcome bonus

$900^◊
45,000 points

Annual rewards
$837^◊
Learn more

Credit estimate:

 (725 - 759)

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Instant approval: Yes

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MBNA Rewards World Elite^® Mastercard^® (QC)

4.0 Genius Rating

3.0 (2) User reviews

$20 GeniusCash + Up to 20,000 bonus points + Annual bonus worth up to 15k points.^*

Annual fee

$120.00

Learn more

Welcome bonus

$200^◊
20,000 points

Annual rewards
$1,030^◊
GC Ends: Apr 30, 2026

GC: $20

I Want This Deal Learn More

Instant approval: Yes

Credit estimate:

MBNA Rewards World Elite^® Mastercard^® (QC)

GC: $20

4.0 Genius Rating

3.0 (2) User reviews

$20 GeniusCash + Up to 20,000 bonus points + Annual bonus worth up to 15k points.^*

Annual fee

$120.00

Learn more

Welcome bonus

$200^◊
20,000 points

Annual rewards
$1,030^◊
GC Ends:

Apr 30, 2026

Credit estimate:

 (725 - 759)

I Want This Deal Learn More

Instant approval: Yes

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BMO CashBack^® World Elite^®* Mastercard^®*

4.0 Genius Rating

2.8 (56) User reviews

×1 Award winner

$150 GeniusCash + Up to $480 bonus cash back + First year fee waived.^*

Annual fee

$120.00 $0

1st year waived

Welcome bonus

$480^◊
Learn more

Annual rewards
$726^◊
GC Ends: Apr 30, 2026

GC: $150

I Want This Deal Learn More

Instant approval: Yes

Credit estimate:

BMO CashBack^® World Elite^®* Mastercard^®*

GC: $150

4.0 Genius Rating

2.8 (56) User reviews

1x Award winner

$150 GeniusCash + Up to $480 bonus cash back + First year fee waived.^*

Annual fee

$120.00 $0

1st year waived

Welcome bonus

$480^◊
Learn more

Annual rewards
$726^◊
GC Ends:

Apr 30, 2026

Credit estimate:

 (560 - 659)

I Want This Deal Learn More

Instant approval: Yes

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CIBC Aventura Visa Infinite Privilege Card

3.9 Genius Rating

3.5 (6) User reviews

Rates & fees

See rates

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Welcome bonus

$1,832^◊
80,000 points

Annual rewards
$1,204^◊
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CIBC Aventura Visa Infinite Privilege Card

3.9 Genius Rating

3.5 (6) User reviews

Rates & fees

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Welcome bonus

$1,832^◊
80,000 points

Annual rewards
$1,204^◊
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Credit estimate:

 (760 - 900)

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Instant approval: Yes

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BMO VIPorter World Elite^®* Mastercard^®*

3.8 Genius Rating

4.0 (2) User reviews

×1 Award winner

$150 GeniusCash + Get up to $2,400 in value + Automatic VIPorter Venture membership.^*

Annual fee

$199.00 $0

1st year waived

Welcome bonus

$1,050^◊
70,000 points

Annual rewards
$810^◊
GC Ends: Apr 30, 2026

GC: $150

I Want This Deal Learn More

Instant approval: Yes

Credit estimate:

BMO VIPorter World Elite^®* Mastercard^®*

GC: $150

3.8 Genius Rating

4.0 (2) User reviews

1x Award winner

$150 GeniusCash + Get up to $2,400 in value + Automatic VIPorter Venture membership.^*

Annual fee

$199.00 $0

1st year waived

Welcome bonus

$1,050^◊
70,000 points

Annual rewards
$810^◊
GC Ends:

Apr 30, 2026

Credit estimate:

 (560 - 659)

I Want This Deal Learn More

Instant approval: Yes

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American Express^® Gold Rewards Card

3.8 Genius Rating

4.2 (20) User reviews

×3 Award winner

Up to 60,000 Welcome Bonus Membership Rewards^® points.^*

Annual fee

See rates

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Welcome bonus

$1,200^◊
60,000 points

Annual rewards
$1,062^◊
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Apply Now Learn More

Instant approval: Yes

Credit estimate:

American Express^® Gold Rewards Card

3.8 Genius Rating

4.2 (20) User reviews

3x Award winner

Up to 60,000 Welcome Bonus Membership Rewards^® points.^*

Annual fee

See rates

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Welcome bonus

$1,200^◊
60,000 points

Annual rewards
$1,062^◊
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Credit estimate:

 (725 - 759)

Apply Now Learn More

Instant approval: Yes

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Genius Rating

User Reviews

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RBC Visa Platinum Avion

3.8 Genius Rating

3.3 (8) User reviews

Annual fee

$120.00

Learn more

Welcome bonus

$1,402^◊
55k points + $120

Annual rewards
$839^◊
Offer Ends: Jun 15, 2026

Learn More

RBC Visa Platinum Avion

3.8 Genius Rating

3.3 (8) User reviews

Annual fee

$120.00

Learn more

Welcome bonus

$1,402^◊
55k points + $120

Annual rewards
$839^◊
Offer Ends:

Jun 15, 2026

Credit estimate:

 (760 - 900)

Learn More

Instant approval: Yes

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Genius Rating

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Neo World Elite Mastercard^®

3.7 Genius Rating

5.0 (2) User reviews

×3 Award winner

Annual fee

$125.00

Learn more

Welcome bonus

$0^◊
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Annual rewards
$918^◊
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Neo World Elite Mastercard^®

3.7 Genius Rating

5.0 (2) User reviews

3x Award winner

Annual fee

$125.00

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Welcome bonus

$0^◊
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Annual rewards
$918^◊
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Credit estimate:

 (560 - 659)

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Instant approval: Yes

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TD^® Aeroplan^® Visa^* Infinite Privilege^* Credit Card

3.7 Genius Rating

2.5 (4) User reviews

×3 Award winner

Annual fee

$599.00

Learn more

Welcome bonus

$1,700^◊
85,000 points

Annual rewards
$999^◊
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Apply Now Learn More

TD^® Aeroplan^® Visa^* Infinite Privilege^* Credit Card

3.7 Genius Rating

2.5 (4) User reviews

3x Award winner

Annual fee

$599.00

Learn more

Welcome bonus

$1,700^◊
85,000 points

Annual rewards
$999^◊
Learn more

Credit estimate:

 (725 - 759)

Apply Now Learn More

Instant approval: Yes

Rewards

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Genius Rating

User Reviews

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Meridian Visa Infinite Cash Back Card

3.6 Genius Rating

1.7 (7) User reviews

Annual fee

$99.00 $0

1st year waived

Welcome bonus

$0^◊
Learn more

Annual rewards
$729^◊
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Meridian Visa Infinite Cash Back Card

3.6 Genius Rating

1.7 (7) User reviews

Annual fee

$99.00 $0

1st year waived

Welcome bonus

$0^◊
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Annual rewards
$729^◊
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Credit estimate:

 (760 - 900)

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Instant approval: Yes

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BMO Ascend^™ World Elite^®* Mastercard^®*

3.6 Genius Rating

2.3 (53) User reviews

$150 GeniusCash + Up to 100,000 bonus points + 4 complimentary lounge passes.^*

Annual fee

$150.00 $0

1st year waived

Welcome bonus

$670^◊
100,000 points

Annual rewards
$370^◊
GC Ends: Apr 30, 2026

GC: $150

I Want This Deal Learn More

Instant approval: Yes

Credit estimate:

BMO Ascend^™ World Elite^®* Mastercard^®*

GC: $150

3.6 Genius Rating

2.3 (53) User reviews

$150 GeniusCash + Up to 100,000 bonus points + 4 complimentary lounge passes.^*

Annual fee

$150.00 $0

1st year waived

Welcome bonus

$670^◊
100,000 points

Annual rewards
$370^◊
GC Ends:

Apr 30, 2026

Credit estimate:

 (560 - 659)

I Want This Deal Learn More

Instant approval: Yes

Rewards

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Genius Rating

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RBC^® British Airways Visa Infinite^‡

3.6 Genius Rating

2.8 (10) User reviews

Annual fee

$165.00

Learn more

Welcome bonus

$1,170^◊
60k Avios + $120

Annual rewards
$740^◊
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Apply Now Learn More

RBC^® British Airways Visa Infinite^‡

3.6 Genius Rating

2.8 (10) User reviews

Annual fee

$165.00

Learn more

Welcome bonus

$1,170^◊
60k Avios + $120

Annual rewards
$740^◊
Learn more

Credit estimate:

 (660 - 724)

Apply Now Learn More

Instant approval: Yes

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Genius Rating

User Reviews

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WestJet RBC World Elite Mastercard

3.5 Genius Rating

2.4 (64) User reviews

Annual fee

$139.00

Learn more

Welcome bonus

$570^◊
45k points + $120

Annual rewards
$599^◊
Offer Ends: Aug 31, 2026

Apply Now Learn More

WestJet RBC World Elite Mastercard

3.5 Genius Rating

2.4 (64) User reviews

Annual fee

$139.00

Learn more

Welcome bonus

$570^◊
45k points + $120

Annual rewards
$599^◊
Offer Ends:

Aug 31, 2026

Credit estimate:

 (660 - 724)

Apply Now Learn More

Instant approval: Yes

Rewards

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User Reviews

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Scotiabank American Express^® Platinum Card

3.5 Genius Rating

2.8 (5) User reviews

×1 Award winner

Annual fee

$399.00

Learn more

Welcome bonus

$800^◊
80,000 Scene+ points

Annual rewards
$720^◊
Offer Ends: Jul 1, 2026

Apply Now Learn More

Scotiabank American Express^® Platinum Card

3.5 Genius Rating

2.8 (5) User reviews

1x Award winner

Annual fee

$399.00

Learn more

Welcome bonus

$800^◊
80,000 Scene+ points

Annual rewards
$720^◊
Offer Ends:

Jul 1, 2026

Credit estimate:

 (660 - 724)

Apply Now Learn More

Instant approval: Yes

Rewards

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Genius Rating

User Reviews

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CIBC Aeroplan Visa Infinite Card

3.5 Genius Rating

3.2 (14) User reviews

Rates & fees

See rates

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Welcome bonus

$800^◊
40,000 points

Annual rewards
$837^◊
Learn more

Learn More

CIBC Aeroplan Visa Infinite Card

3.5 Genius Rating

3.2 (14) User reviews

Rates & fees

See rates

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Welcome bonus

$800^◊
40,000 points

Annual rewards
$837^◊
Learn more

Credit estimate:

 (760 - 900)

Learn More

Instant approval: Yes

Rewards

Details & Eligibility

Genius Rating

User Reviews

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Genius Rating

User Reviews

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CIBC Aeroplan Visa Infinite Privilege Card

3.4 Genius Rating

4.3 (12) User reviews

Rates & fees

See rates

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Welcome bonus

$1,700^◊
85,000 points

Annual rewards
$999^◊
Learn more

Learn More

CIBC Aeroplan Visa Infinite Privilege Card

3.4 Genius Rating

4.3 (12) User reviews

Rates & fees

See rates

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Welcome bonus

$1,700^◊
85,000 points

Annual rewards
$999^◊
Learn more

Credit estimate:

 (760 - 900)

Learn More

Instant approval: Yes

Rewards

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Scotiabank Passport Visa Infinite Card

3.4 Genius Rating

3.0 (48) User reviews

×1 Award winner

$150 GeniusCash + Up to 60k bonus Scene+ points in year 1 + 6 free airport lounge passes.^*

Annual fee

$150.00

Learn more

Welcome bonus

$500^◊
50,000 Scene+ points

Annual rewards
$486^◊
GC Ends: Apr 30, 2026

GC: $150

I Want This Deal Learn More

Instant approval: Yes

Credit estimate:

Scotiabank Passport Visa Infinite Card

GC: $150

3.4 Genius Rating

3.0 (48) User reviews

1x Award winner

$150 GeniusCash + Up to 60k bonus Scene+ points in year 1 + 6 free airport lounge passes.^*

Annual fee

$150.00

Learn more

Welcome bonus

$500^◊
50,000 Scene+ points

Annual rewards
$486^◊
GC Ends:

Apr 30, 2026

Credit estimate:

 (660 - 724)

I Want This Deal Learn More

Instant approval: Yes

Rewards

Details & Eligibility

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Scotia Momentum^® Visa Infinite^* Card

3.4 Genius Rating

3.2 (77) User reviews

×2 Award winner

$20 GeniusCash + 10% cash back on purchases for 3 months + 4% cash back on groceries.^*

Annual fee

$120.00 $0

1st year waived

Welcome bonus

$159^◊
10% cash back

Annual rewards
$747^◊
GC Ends: Apr 30, 2026

GC: $20

I Want This Deal Learn More

Instant approval: Yes

Credit estimate:

Scotia Momentum^® Visa Infinite^* Card

GC: $20

3.4 Genius Rating

3.2 (77) User reviews

2x Award winner

$20 GeniusCash + 10% cash back on purchases for 3 months + 4% cash back on groceries.^*

Annual fee

$120.00 $0

1st year waived

Welcome bonus

$159^◊
10% cash back

Annual rewards
$747^◊
GC Ends:

Apr 30, 2026

Credit estimate:

 (725 - 759)

I Want This Deal Learn More

Instant approval: Yes

Rewards

Details & Eligibility

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Genius Rating

User Reviews

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Meridian Visa Infinite Travel Rewards Card

3.3 Genius Rating

(0) Write your review

Annual fee

$99.00 $0

1st year waived

Welcome bonus

$0^◊
Learn more

Annual rewards
$540^◊
Learn more

Learn More

Meridian Visa Infinite Travel Rewards Card

3.3 Genius Rating

(0) Write your review

Annual fee

$99.00 $0

1st year waived

Welcome bonus

$0^◊
Learn more

Annual rewards
$540^◊
Learn more

Credit estimate:

 (760 - 900)

Learn More

Instant approval: Yes

Rewards

Details & Eligibility

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Details & Eligibility

Genius Rating

User Reviews

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Tangerine^® Money-Back World Mastercard^®*

3.2 Genius Rating

3.4 (25) User reviews

$125 GeniusCash + $120 bonus cash back^** + No annual fee.^*

Annual fee

$0.00

Learn more

Welcome bonus

$120^◊
Learn more

Annual rewards
$410^◊
GC Ends: Apr 30, 2026

GC: $125

I Want This Deal Learn More

Instant approval: Yes

Credit estimate:

Tangerine^® Money-Back World Mastercard^®*

GC: $125

3.2 Genius Rating

3.4 (25) User reviews

$125 GeniusCash + $120 bonus cash back^** + No annual fee.^*

Annual fee

$0.00

Learn more

Welcome bonus

$120^◊
Learn more

Annual rewards
$410^◊
GC Ends:

Apr 30, 2026

Credit estimate:

 (560 - 659)

I Want This Deal Learn More

Instant approval: Yes

Rewards

Details & Eligibility

Genius Rating

User Reviews

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Genius Rating

User Reviews

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Vancity enviro^™ Visa Infinite^* Card

3.2 Genius Rating

5.0 (1) User reviews

Annual fee

$120.00 $0

1st year waived

Welcome bonus

$0^◊
Learn more

Annual rewards
$686^◊
Learn more

Apply Now Learn More

Vancity enviro^™ Visa Infinite^* Card

3.2 Genius Rating

5.0 (1) User reviews

Annual fee

$120.00 $0

1st year waived

Welcome bonus

$0^◊
Learn more

Annual rewards
$686^◊
Learn more

Credit estimate:

 (560 - 659)

Apply Now Learn More

Instant approval: No

Rewards

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Genius Rating

User Reviews

National Bank World Elite Mastercard

3.2 Genius Rating

3.2 (16) User reviews

Annual fee

$150.00

Learn more

Welcome bonus

$400^◊
40,000 points

Annual rewards
$558^◊
Learn more

Learn More

National Bank World Elite Mastercard

3.2 Genius Rating

3.2 (16) User reviews

Annual fee

$150.00

Learn more

Welcome bonus

$400^◊
40,000 points

Annual rewards
$558^◊
Learn more

Credit estimate:

 (760 - 900)

Learn More

Instant approval: Yes

Rewards

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Genius Rating

User Reviews

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TD Cash Back Visa Infinite^* Card

3.2 Genius Rating

3.3 (40) User reviews

$100 GeniusCash + 10% cash back on eligible purchases for 3 months (conditions apply).^*

Annual fee

$139.00 $0

1st year waived

Welcome bonus

$245^◊
Learn more

Annual rewards
$666^◊
GC Ends: Apr 30, 2026

GC: $100

I Want This Deal Learn More

Instant approval: Yes

Credit estimate:

TD Cash Back Visa Infinite^* Card

GC: $100

3.2 Genius Rating

3.3 (40) User reviews

$100 GeniusCash + 10% cash back on eligible purchases for 3 months (conditions apply).^*

Annual fee

$139.00 $0

1st year waived

Welcome bonus

$245^◊
Learn more

Annual rewards
$666^◊
GC Ends:

Apr 30, 2026

Credit estimate:

 (660 - 724)

I Want This Deal Learn More

Instant approval: Yes

Rewards

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Genius Rating

User Reviews

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Marriott Bonvoy^® American Express^®* Card

3.1 Genius Rating

4.2 (10) User reviews

Up to 110,000 bonus points + Annual free night certificate.^*

Annual fee

See rates

Learn more

Welcome bonus

$1,067^◊
110,000 points

Annual rewards
$751^◊
Offer Ends: Apr 7, 2026

Apply Now Learn More

Instant approval: Yes

Credit estimate:

Marriott Bonvoy^® American Express^®* Card

3.1 Genius Rating

4.2 (10) User reviews

Up to 110,000 bonus points + Annual free night certificate.^*

Annual fee

See rates

Learn more

Welcome bonus

$1,067^◊
110,000 points

Annual rewards
$751^◊
Offer Ends:

Apr 7, 2026

Credit estimate:

 (660 - 724)

Apply Now Learn More

Instant approval: Yes

Rewards

Details & Eligibility

Genius Rating

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Details & Eligibility

Genius Rating

User Reviews

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Rogers Red World Elite^® Mastercard^®

3.1 Genius Rating

3.3 (84) User reviews

Annual fee

$0.00

Learn more

Welcome bonus

$0^◊
Learn more

Annual rewards
$540^◊
Learn more

Learn More

Rogers Red World Elite^® Mastercard^®

3.1 Genius Rating

3.3 (84) User reviews

Annual fee

$0.00

Learn more

Welcome bonus

$0^◊
Learn more

Annual rewards
$540^◊
Learn more

Credit estimate:

 (760 - 900)

Learn More

Instant approval: No

Rewards

Details & Eligibility

Genius Rating

User Reviews

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Details & Eligibility

Genius Rating

User Reviews

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MBNA Rewards Platinum Plus^® Mastercard^®

3.1 Genius Rating

3.3 (11) User reviews

×1 Award winner

Annual fee

$0.00

Learn more

Welcome bonus

$127^◊
12,700 points

Annual rewards
$554^◊
Learn more

Apply Now Learn More

MBNA Rewards Platinum Plus^® Mastercard^®

3.1 Genius Rating

3.3 (11) User reviews

1x Award winner

Annual fee

$0.00

Learn more

Welcome bonus

$127^◊
12,700 points

Annual rewards
$554^◊
Learn more

Credit estimate:

 (660 - 724)

Apply Now Learn More

Instant approval: Yes

Rewards

Details & Eligibility

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Genius Rating

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SimplyCash^® Preferred Card from American Express

3.1 Genius Rating

3.8 (24) User reviews

×2 Award winner

Up to 10% cash back + A minimum of 2% back on purchases.^*

Annual fee

See rates

Learn more

Welcome bonus

$199^◊
10% cash back + $50

Annual rewards
$918^◊
Learn more

Apply Now Learn More

Instant approval: Yes

Credit estimate:

SimplyCash^® Preferred Card from American Express

3.1 Genius Rating

3.8 (24) User reviews

2x Award winner

Up to 10% cash back + A minimum of 2% back on purchases.^*

Annual fee

See rates

Learn more

Welcome bonus

$199^◊
10% cash back + $50

Annual rewards
$918^◊
Learn more

Credit estimate:

 (725 - 759)

Apply Now Learn More

Instant approval: Yes

Rewards

Details & Eligibility

Genius Rating

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Genius Rating

User Reviews

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More Rewards RBC Visa Infinite

3.1 Genius Rating

5.0 (1) User reviews

Annual fee

$0.00

Learn more

Welcome bonus

$86^◊
20,000 points

Annual rewards
$759^◊
Learn more

Learn More

More Rewards RBC Visa Infinite

3.1 Genius Rating

5.0 (1) User reviews

Annual fee

$0.00

Learn more

Welcome bonus

$86^◊
20,000 points

Annual rewards
$759^◊
Learn more

Credit estimate:

 (760 - 900)

Learn More

Instant approval: Yes

Rewards

Details & Eligibility

Genius Rating

User Reviews

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Rewards

Details & Eligibility

Genius Rating

User Reviews

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MBNA Rewards Platinum Plus^® Mastercard^® (QC)

3.1 Genius Rating

3.5 (2) User reviews

Annual fee

$0.00

Learn more

Welcome bonus

$100^◊
10,000 points

Annual rewards
$554^◊
Learn more

Apply Now Learn More

MBNA Rewards Platinum Plus^® Mastercard^® (QC)

3.1 Genius Rating

3.5 (2) User reviews

Annual fee

$0.00

Learn more

Welcome bonus

$100^◊
10,000 points

Annual rewards
$554^◊
Learn more

Credit estimate:

 (660 - 724)

Apply Now Learn More

Instant approval: Yes

Rewards

Details & Eligibility

Genius Rating

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Rewards

Details & Eligibility

Genius Rating

User Reviews

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American Express^® Aeroplan^®* Reserve Card

3.1 Genius Rating

3.1 (9) User reviews

$150 GeniusCash + Earn up to 85,000 Aeroplan^®* points + Air Canada benefits.^*

Annual fee

See rates

Learn more

Welcome bonus

$1,700^◊
85,000 points

Annual rewards
$1,004^◊
GC Ends: Apr 15, 2026

GC: $150

I Want This Deal Learn More

Instant approval: Yes

Credit estimate:

American Express^® Aeroplan^®* Reserve Card

GC: $150

3.1 Genius Rating

3.1 (9) User reviews

$150 GeniusCash + Earn up to 85,000 Aeroplan^®* points + Air Canada benefits.^*

Annual fee

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Welcome bonus

$1,700^◊
85,000 points

Annual rewards
$1,004^◊
GC Ends:

Apr 15, 2026

Credit estimate:

 (660 - 724)

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Instant approval: Yes

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BMO eclipse Visa Infinite^* Card

3.1 Genius Rating

2.9 (19) User reviews

$150 GeniusCash + Up to $1,200 in first year value + 5x points on gas & groceries.^*

Annual fee

$120.00 $0

1st year waived

Welcome bonus

$776^◊
80k points + $240

Annual rewards
$571^◊
GC Ends: Apr 30, 2026

GC: $150

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Instant approval: Yes

Credit estimate:

BMO eclipse Visa Infinite^* Card

GC: $150

3.1 Genius Rating

2.9 (19) User reviews

$150 GeniusCash + Up to $1,200 in first year value + 5x points on gas & groceries.^*

Annual fee

$120.00 $0

1st year waived

Welcome bonus

$776^◊
80k points + $240

Annual rewards
$571^◊
GC Ends:

Apr 30, 2026

Credit estimate:

 (560 - 659)

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Instant approval: Yes

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Genius Rating

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BMO eclipse Visa Infinite Privilege^* Card

3.1 Genius Rating

3.0 (6) User reviews

$250 GeniusCash + Earn up to 200,000 points + 5x points + $200 annual lifestyle credit.^*

Annual fee

$599.00

Learn more

Welcome bonus

$536^◊
80,000 points

Annual rewards
$675^◊
GC Ends: Apr 30, 2026

GC: $250

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Instant approval: Yes

Credit estimate:

BMO eclipse Visa Infinite Privilege^* Card

GC: $250

3.1 Genius Rating

3.0 (6) User reviews

$250 GeniusCash + Earn up to 200,000 points + 5x points + $200 annual lifestyle credit.^*

Annual fee

$599.00

Learn more

Welcome bonus

$536^◊
80,000 points

Annual rewards
$675^◊
GC Ends:

Apr 30, 2026

Credit estimate:

 (660 - 724)

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Instant approval: Yes

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American Express^® Green Card

3.1 Genius Rating

5.0 (4) User reviews

×1 Award winner

10,000 Welcome Bonus Membership Rewards^® points + No Annual Fee.^*

Annual fee

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Welcome bonus

$200^◊
10,000 points

Annual rewards
$756^◊
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Instant approval: Yes

Credit estimate:

American Express^® Green Card

3.1 Genius Rating

5.0 (4) User reviews

1x Award winner

10,000 Welcome Bonus Membership Rewards^® points + No Annual Fee.^*

Annual fee

See rates

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Welcome bonus

$200^◊
10,000 points

Annual rewards
$756^◊
Learn more

Credit estimate:

 (725 - 759)

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Instant approval: Yes

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Genius Rating

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Genius Rating

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Tangerine Money-Back Credit Card

3.1 Genius Rating

3.4 (80) User reviews

×2 Award winner

$80 GeniusCash + Up to $100 bonus cash back^** + No annual fee.^*

Annual fee

$0.00

Learn more

Welcome bonus

$106^◊
11.13% cash back

Annual rewards
$410^◊
GC Ends: Apr 30, 2026

GC: $80

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Instant approval: Yes

Credit estimate:

Tangerine Money-Back Credit Card

GC: $80

3.1 Genius Rating

3.4 (80) User reviews

2x Award winner

$80 GeniusCash + Up to $100 bonus cash back^** + No annual fee.^*

Annual fee

$0.00

Learn more

Welcome bonus

$106^◊
11.13% cash back

Annual rewards
$410^◊
GC Ends:

Apr 30, 2026

Credit estimate:

 (560 - 659)

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Instant approval: Yes

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Genius Rating

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CIBC Aventura^® Visa^* Card

3.0 Genius Rating

2.2 (15) User reviews

Rates & fees

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Welcome bonus

$802^◊
35,000 points

Annual rewards
$543^◊
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CIBC Aventura^® Visa^* Card

3.0 Genius Rating

2.2 (15) User reviews

Rates & fees

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Welcome bonus

$802^◊
35,000 points

Annual rewards
$543^◊
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Credit estimate:

 (760 - 900)

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Instant approval: Yes

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BMO VIPorter Mastercard^®*

3.0 Genius Rating

1.0 (1) User reviews

$100 GeniusCash + Get up to $1,800 in value + Automatic VIPorter Passport membership.^*

Annual fee

$89.00 $0

1st year waived

Welcome bonus

$600^◊
40,000 points

Annual rewards
$419^◊
GC Ends: Apr 30, 2026

GC: $100

I Want This Deal Learn More

Instant approval: Yes

Credit estimate:

BMO VIPorter Mastercard^®*

GC: $100

3.0 Genius Rating

1.0 (1) User reviews

$100 GeniusCash + Get up to $1,800 in value + Automatic VIPorter Passport membership.^*

Annual fee

$89.00 $0

1st year waived

Welcome bonus

$600^◊
40,000 points

Annual rewards
$419^◊
GC Ends:

Apr 30, 2026

Credit estimate:

 (560 - 659)

I Want This Deal Learn More

Instant approval: Yes

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Genius Rating

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Meridian Visa Platinum Cash Back Card

3.0 Genius Rating

(0) Write your review

Annual fee

$49.00 $0

1st year waived

Welcome bonus

$0^◊
Learn more

Annual rewards
$531^◊
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Meridian Visa Platinum Cash Back Card

3.0 Genius Rating

(0) Write your review

Annual fee

$49.00 $0

1st year waived

Welcome bonus

$0^◊
Learn more

Annual rewards
$531^◊
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Credit estimate:

 (760 - 900)

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Instant approval: Yes

Rewards

Details & Eligibility

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Genius Rating

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Wealthsimple Visa Infinite Privilege

3.0 Genius Rating

(0) Write your review

Annual fee

$240.00

Learn more

Welcome bonus

$0^◊
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Annual rewards
$720^◊
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Wealthsimple Visa Infinite Privilege

3.0 Genius Rating

(0) Write your review

Annual fee

$240.00

Learn more

Welcome bonus

$0^◊
Learn more

Annual rewards
$720^◊
Learn more

Credit estimate:

 (760 - 900)

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Instant approval: Yes

Rewards

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Genius Rating

User Reviews

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ATB World Elite Mastercard

2.9 Genius Rating

5.0 (2) User reviews

Annual fee

$120.00 $0

1st year waived

Welcome bonus

$200^◊
40,000 points

Annual rewards
$486^◊
Learn more

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ATB World Elite Mastercard

2.9 Genius Rating

5.0 (2) User reviews

Annual fee

$120.00 $0

1st year waived

Welcome bonus

$200^◊
40,000 points

Annual rewards
$486^◊
Learn more

Credit estimate:

 (760 - 900)

Learn More

Instant approval: No

Rewards

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Genius Rating

User Reviews

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National Bank World Mastercard

2.9 Genius Rating

1.0 (3) User reviews

Annual fee

$115.00

Learn more

Welcome bonus

$0^◊
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Annual rewards
$551^◊
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National Bank World Mastercard

2.9 Genius Rating

1.0 (3) User reviews

Annual fee

$115.00

Learn more

Welcome bonus

$0^◊
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Annual rewards
$551^◊
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Credit estimate:

 (760 - 900)

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Instant approval: Yes

Rewards

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Genius Rating

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RBC ION Visa

2.9 Genius Rating

3.5 (2) User reviews

Annual fee

$0.00

Learn more

Welcome bonus

$110^◊
11,000 points

Annual rewards
$392^◊
Offer Ends: May 6, 2026

Apply Now Learn More

RBC ION Visa

2.9 Genius Rating

3.5 (2) User reviews

Annual fee

$0.00

Learn more

Welcome bonus

$110^◊
11,000 points

Annual rewards
$392^◊
Offer Ends:

May 6, 2026

Credit estimate:

 (660 - 724)

Apply Now Learn More

Instant approval: Yes

Rewards

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Genius Rating

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CIBC Adapta^™ Mastercard^®

2.9 Genius Rating

(0) Write your review

Rates & fees

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Welcome bonus

$100^◊
12,000 points

Annual rewards
$362^◊
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CIBC Adapta^™ Mastercard^®

2.9 Genius Rating

(0) Write your review

Rates & fees

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Welcome bonus

$100^◊
12,000 points

Annual rewards
$362^◊
Learn more

Credit estimate:

 (560 - 659)

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Instant approval: Yes

Rewards

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Genius Rating

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TD Platinum Travel Visa^* Card

2.9 Genius Rating

3.8 (4) User reviews

Annual fee

$89.00 $0

1st year waived

Welcome bonus

$250^◊
50,000 points

Annual rewards
$486^◊
Learn more

Apply Now Learn More

TD Platinum Travel Visa^* Card

2.9 Genius Rating

3.8 (4) User reviews

Annual fee

$89.00 $0

1st year waived

Welcome bonus

$250^◊
50,000 points

Annual rewards
$486^◊
Learn more

Credit estimate:

 (725 - 759)

Apply Now Learn More

Instant approval: Yes

Rewards

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Genius Rating

User Reviews

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CIBC Aeroplan Visa Card

2.9 Genius Rating

4.0 (2) User reviews

Rates & fees

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Welcome bonus

$200^◊
10,000 points

Annual rewards
$560^◊
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CIBC Aeroplan Visa Card

2.9 Genius Rating

4.0 (2) User reviews

Rates & fees

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Welcome bonus

$200^◊
10,000 points

Annual rewards
$560^◊
Learn more

Credit estimate:

 (760 - 900)

Learn More

Instant approval: Yes

Rewards

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Genius Rating

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Genius Rating

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Desjardins Odyssey World Elite Mastercard

2.8 Genius Rating

3.6 (10) User reviews

Annual fee

$130.00

Learn more

Welcome bonus

$0^◊
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Annual rewards
$531^◊
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Desjardins Odyssey World Elite Mastercard

2.8 Genius Rating

3.6 (10) User reviews

Annual fee

$130.00

Learn more

Welcome bonus

$0^◊
Learn more

Annual rewards
$531^◊
Learn more

Credit estimate:

 (760 - 900)

Learn More

Instant approval: Yes

Rewards

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Genius Rating

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MBNA Smart Cash Platinum Plus^® Mastercard^® (QC)

2.8 Genius Rating

5.0 (1) User reviews

Annual fee

$0.00

Learn more

Welcome bonus

$90^◊
Learn more

Annual rewards
$270^◊
Learn more

Apply Now Learn More

MBNA Smart Cash Platinum Plus^® Mastercard^® (QC)

2.8 Genius Rating

5.0 (1) User reviews

Annual fee

$0.00

Learn more

Welcome bonus

$90^◊
Learn more

Annual rewards
$270^◊
Learn more

Credit estimate:

 (660 - 724)

Apply Now Learn More

Instant approval: Yes

Rewards

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Genius Rating

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SCU Cash Back World Elite Mastercard

2.8 Genius Rating

3.0 (1) User reviews

Annual fee

$120.00

Learn more

Welcome bonus

$0^◊
Learn more

Annual rewards
$630^◊
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SCU Cash Back World Elite Mastercard

2.8 Genius Rating

3.0 (1) User reviews

Annual fee

$120.00

Learn more

Welcome bonus

$0^◊
Learn more

Annual rewards
$630^◊
Learn more

Credit estimate:

 (760 - 900)

Learn More

Instant approval: Yes

Rewards

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Genius Rating

User Reviews

CIBC Dividend^® Visa Infinite^* Card

2.8 Genius Rating

3.5 (11) User reviews

×1 Award winner

Join and earn up to $400 in value including a first-year annual fee rebate.^†

Rates & fees

See rates

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Welcome bonus

$369^◊
10% cash back + $170

Annual rewards
$738^◊
Learn more

Apply Now Learn More

Instant approval: Yes

Credit estimate:

CIBC Dividend^® Visa Infinite^* Card

2.8 Genius Rating

3.5 (11) User reviews

1x Award winner

Join and earn up to $400 in value including a first-year annual fee rebate.^†

Rates & fees

See rates

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Welcome bonus

$369^◊
10% cash back + $170

Annual rewards
$738^◊
Learn more

Credit estimate:

 (660 - 724)

Apply Now Learn More

Instant approval: Yes

Rewards

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Genius Rating

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Genius Rating

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MBNA Smart Cash Platinum Plus^® Mastercard^®

2.8 Genius Rating

2.7 (11) User reviews

Annual fee

$0.00

Learn more

Welcome bonus

$90^◊
Learn more

Annual rewards
$270^◊
Learn more

Apply Now Learn More

MBNA Smart Cash Platinum Plus^® Mastercard^®

2.8 Genius Rating

2.7 (11) User reviews

Annual fee

$0.00

Learn more

Welcome bonus

$90^◊
Learn more

Annual rewards
$270^◊
Learn more

Credit estimate:

 (660 - 724)

Apply Now Learn More

Instant approval: Yes

Rewards

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Genius Rating

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Genius Rating

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Neo World Mastercard^®

2.8 Genius Rating

4.0 (1) User reviews

×1 Award winner

$50 GeniusCash + 2% cashback on everyday purchases + No annual fee.^*

Annual fee

$0.00

Learn more

Welcome bonus

$0^◊
Learn more

Annual rewards
$486^◊
GC Ends: Apr 30, 2026

GC: $50

I Want This Deal Learn More

Instant approval: Yes

Credit estimate:

Neo World Mastercard^®

GC: $50

2.8 Genius Rating

4.0 (1) User reviews

1x Award winner

$50 GeniusCash + 2% cashback on everyday purchases + No annual fee.^*

Annual fee

$0.00

Learn more

Welcome bonus

$0^◊
Learn more

Annual rewards
$486^◊
GC Ends:

Apr 30, 2026

Credit estimate:

 (560 - 659)

I Want This Deal Learn More

Instant approval: Yes

Rewards

Details & Eligibility

Genius Rating

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Genius Rating

User Reviews

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RBC Cash Back Mastercard

2.8 Genius Rating

3.6 (14) User reviews

Annual fee

$0.00

Learn more

Welcome bonus

$30^◊
Learn more

Annual rewards
$390^◊
Learn more

Apply Now Learn More

RBC Cash Back Mastercard

2.8 Genius Rating

3.6 (14) User reviews

Annual fee

$0.00

Learn more

Welcome bonus

$30^◊
Learn more

Annual rewards
$390^◊
Learn more

Credit estimate:

 (660 - 724)

Apply Now Learn More

Instant approval: Yes

Rewards

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Genius Rating

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Genius Rating

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Scotiabank American Express^® Card

2.8 Genius Rating

3.0 (5) User reviews

Annual fee

$0.00

Learn more

Welcome bonus

$50^◊
5,000 Scene+ points

Annual rewards
$522^◊
Offer Ends: Apr 30, 2026

Apply Now Learn More

Scotiabank American Express^® Card

2.8 Genius Rating

3.0 (5) User reviews

Annual fee

$0.00

Learn more

Welcome bonus

$50^◊
5,000 Scene+ points

Annual rewards
$522^◊
Offer Ends:

Apr 30, 2026

Credit estimate:

 (660 - 724)

Apply Now Learn More

Instant approval: Yes

Rewards

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Genius Rating

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Genius Rating

User Reviews

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RBC ION+ Visa

2.8 Genius Rating

2.4 (5) User reviews

Annual fee

$48.00

Learn more

Welcome bonus

$210^◊
21,000 points

Annual rewards
$540^◊
Offer Ends: May 6, 2026

Apply Now Learn More

RBC ION+ Visa

2.8 Genius Rating

2.4 (5) User reviews

Annual fee

$48.00

Learn more

Welcome bonus

$210^◊
21,000 points

Annual rewards
$540^◊
Offer Ends:

May 6, 2026

Credit estimate:

 (560 - 659)

Apply Now Learn More

Instant approval: Yes

Rewards

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Genius Rating

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Genius Rating

User Reviews

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MBNA Smart Cash^® World Mastercard^® (QC)

2.8 Genius Rating

(0) Write your review

Annual fee

$39.00

Learn more

Welcome bonus

$90^◊
Learn more

Annual rewards
$420^◊
Learn more

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MBNA Smart Cash^® World Mastercard^® (QC)

2.8 Genius Rating

(0) Write your review

Annual fee

$39.00

Learn more

Welcome bonus

$90^◊
Learn more

Annual rewards
$420^◊
Learn more

Credit estimate:

 (725 - 759)

Apply Now Learn More

Instant approval: Yes

Rewards

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Genius Rating

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Rewards

Details & Eligibility

Genius Rating

User Reviews

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MBNA Smart Cash^® World Mastercard^®

2.8 Genius Rating

1.0 (2) User reviews

Annual fee

$39.00

Learn more

Welcome bonus

$90^◊
Learn more

Annual rewards
$420^◊
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Apply Now Learn More

MBNA Smart Cash^® World Mastercard^®

2.8 Genius Rating

1.0 (2) User reviews

Annual fee

$39.00

Learn more

Welcome bonus

$90^◊
Learn more

Annual rewards
$420^◊
Learn more

Credit estimate:

 (725 - 759)

Apply Now Learn More

Instant approval: Yes

Rewards

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Genius Rating

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Genius Rating

User Reviews

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BMO eclipse rise Visa^* Card

2.8 Genius Rating

(0) Write your review

$75 GeniusCash + Up to 25,000 bonus points + No annual fee.^*

Annual fee

$0.00

Learn more

Welcome bonus

$134^◊
20,000 points

Annual rewards
$314^◊
GC Ends: Apr 30, 2026

GC: $75

I Want This Deal Learn More

Instant approval: Yes

Credit estimate:

BMO eclipse rise Visa^* Card

GC: $75

2.8 Genius Rating

(0) Write your review

$75 GeniusCash + Up to 25,000 bonus points + No annual fee.^*

Annual fee

$0.00

Learn more

Welcome bonus

$134^◊
20,000 points

Annual rewards
$314^◊
GC Ends:

Apr 30, 2026

Credit estimate:

 (560 - 659)

I Want This Deal Learn More

Instant approval: Yes

Rewards

Details & Eligibility

Genius Rating

User Reviews

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Rewards

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Genius Rating

User Reviews

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Wealthsimple Visa Infinite

2.8 Genius Rating

(0) Write your review

Annual fee

$240.00

Learn more

Welcome bonus

$0^◊
Learn more

Annual rewards
$720^◊
Learn more

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Wealthsimple Visa Infinite

2.8 Genius Rating

(0) Write your review

Annual fee

$240.00

Learn more

Welcome bonus

$0^◊
Learn more

Annual rewards
$720^◊
Learn more

Credit estimate:

 (760 - 900)

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Instant approval: Yes

Rewards

Details & Eligibility

Genius Rating

User Reviews

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Rewards

Details & Eligibility

Genius Rating

User Reviews

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TD^® Aeroplan^® Visa Platinum^* Card

2.8 Genius Rating

3.0 (1) User reviews

Annual fee

$89.00 $0

1st year waived

Welcome bonus

$400^◊
20,000 points

Annual rewards
$560^◊
Learn more

Apply Now Learn More

TD^® Aeroplan^® Visa Platinum^* Card

2.8 Genius Rating

3.0 (1) User reviews

Annual fee

$89.00 $0

1st year waived

Welcome bonus

$400^◊
20,000 points

Annual rewards
$560^◊
Learn more

Credit estimate:

 (660 - 724)

Apply Now Learn More

Instant approval: Yes

Rewards

Details & Eligibility

Genius Rating

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Rewards

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Genius Rating

User Reviews

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BMO CashBack^® Mastercard^®*

2.8 Genius Rating

2.5 (14) User reviews

$20 GeniusCash + Up to 5% cash back + No annual fee.^*

Annual fee

$0.00

Learn more

Welcome bonus

$100^◊
5% cash back

Annual rewards
$357^◊
GC Ends: Apr 30, 2026

GC: $20

I Want This Deal Learn More

Instant approval: Yes

Credit estimate:

BMO CashBack^® Mastercard^®*

GC: $20

2.8 Genius Rating

2.5 (14) User reviews

$20 GeniusCash + Up to 5% cash back + No annual fee.^*

Annual fee

$0.00

Learn more

Welcome bonus

$100^◊
5% cash back

Annual rewards
$357^◊
GC Ends:

Apr 30, 2026

Credit estimate:

 (660 - 724)

I Want This Deal Learn More

Instant approval: Yes

Rewards

Details & Eligibility

Genius Rating

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Genius Rating

User Reviews

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WestJet RBC Mastercard

2.7 Genius Rating

4.3 (7) User reviews

Annual fee

$39.00

Learn more

Welcome bonus

$130^◊
10k points + $30

Annual rewards
$369^◊
Offer Ends: Aug 31, 2026

Apply Now Learn More

WestJet RBC Mastercard

2.7 Genius Rating

4.3 (7) User reviews

Annual fee

$39.00

Learn more

Welcome bonus

$130^◊
10k points + $30

Annual rewards
$369^◊
Offer Ends:

Aug 31, 2026

Credit estimate:

 (660 - 724)

Apply Now Learn More

Instant approval: Yes

Rewards

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Genius Rating

User Reviews

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More Rewards RBC Visa

2.7 Genius Rating

1.0 (1) User reviews

Annual fee

$0.00

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Welcome bonus

$86^◊
20,000 points

Annual rewards
$534^◊
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More Rewards RBC Visa

2.7 Genius Rating

1.0 (1) User reviews

Annual fee

$0.00

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Welcome bonus

$86^◊
20,000 points

Annual rewards
$534^◊
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Credit estimate:

 (760 - 900)

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Instant approval: Yes

Rewards

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Genius Rating

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Genius Rating

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CIBC Costco Mastercard

2.7 Genius Rating

1.5 (55) User reviews

Rates & fees

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Welcome bonus

$0^◊
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Annual rewards
$477^◊
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CIBC Costco Mastercard

2.7 Genius Rating

1.5 (55) User reviews

Rates & fees

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Welcome bonus

$0^◊
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Annual rewards
$477^◊
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Credit estimate:

 (760 - 900)

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Instant approval: Yes

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Genius Rating

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American Express Platinum^® Card

2.7 Genius Rating

2.7 (16) User reviews

×2 Award winner

100,000 bonus points + The most perks of any credit card.^*

Annual fee

See rates

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Welcome bonus

$600^◊
30,000 points

Annual rewards
$882^◊
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Instant approval: Yes

Credit estimate:

American Express Platinum^® Card

2.7 Genius Rating

2.7 (16) User reviews

2x Award winner

100,000 bonus points + The most perks of any credit card.^*

Annual fee

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Welcome bonus

$600^◊
30,000 points

Annual rewards
$882^◊
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Credit estimate:

 (725 - 759)

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Instant approval: Yes

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Genius Rating

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Genius Rating

User Reviews

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Meridian Visa Platinum Travel Rewards Card

2.7 Genius Rating

(0) Write your review

Annual fee

$49.00 $0

1st year waived

Welcome bonus

$0^◊
Learn more

Annual rewards
$360^◊
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Meridian Visa Platinum Travel Rewards Card

2.7 Genius Rating

(0) Write your review

Annual fee

$49.00 $0

1st year waived

Welcome bonus

$0^◊
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Annual rewards
$360^◊
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Credit estimate:

 (760 - 900)

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Instant approval: Yes

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Genius Rating

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Genius Rating

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CIBC Dividend^® Visa Infinite^* Card (QC)

2.7 Genius Rating

(0) Write your review

Get a first-year annual fee rebate and 10% cash back for the first 4 statements on net purchases of up to $2,500.^†

Rates & fees

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Welcome bonus

$203^◊
10% cash back

Annual rewards
$684^◊
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Instant approval: Yes

Credit estimate:

CIBC Dividend^® Visa Infinite^* Card (QC)

2.7 Genius Rating

(0) Write your review

Get a first-year annual fee rebate and 10% cash back for the first 4 statements on net purchases of up to $2,500.^†

Rates & fees

See rates

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Welcome bonus

$203^◊
10% cash back

Annual rewards
$684^◊
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Credit estimate:

 (660 - 724)

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Instant approval: Yes

Rewards

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Genius Rating

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Genius Rating

User Reviews

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National Bank Platinum Mastercard

2.7 Genius Rating

4.5 (2) User reviews

Annual fee

$70.00

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Welcome bonus

$0^◊
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Annual rewards
$406^◊
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National Bank Platinum Mastercard

2.7 Genius Rating

4.5 (2) User reviews

Annual fee

$70.00

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Welcome bonus

$0^◊
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Annual rewards
$406^◊
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Credit estimate:

 (760 - 900)

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Instant approval: Yes

Rewards

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Genius Rating

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Genius Rating

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American Express^® Aeroplan^®* Card

2.7 Genius Rating

4.3 (3) User reviews

Up to 40,000 bonus points + free checked bags on Air Canada.^*

Annual fee

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Welcome bonus

$800^◊
40,000 points

Annual rewards
$783^◊
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Instant approval: Yes

Credit estimate:

American Express^® Aeroplan^®* Card

2.7 Genius Rating

4.3 (3) User reviews

Up to 40,000 bonus points + free checked bags on Air Canada.^*

Annual fee

See rates

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Welcome bonus

$800^◊
40,000 points

Annual rewards
$783^◊
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Credit estimate:

 (660 - 724)

Apply Now Learn More

Instant approval: Yes

Rewards

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Genius Rating

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Genius Rating

User Reviews

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TD Rewards Visa^* Card

2.7 Genius Rating

5.0 (1) User reviews

Annual fee

$0.00

Learn more

Welcome bonus

$76^◊
15,152 points

Annual rewards
$309^◊
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TD Rewards Visa^* Card

2.7 Genius Rating

5.0 (1) User reviews

Annual fee

$0.00

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Welcome bonus

$76^◊
15,152 points

Annual rewards
$309^◊
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Credit estimate:

 (660 - 724)

Apply Now Learn More

Instant approval: Yes

Rewards

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Genius Rating

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Genius Rating

User Reviews

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CIBC Costco World Mastercard

2.7 Genius Rating

4.0 (1) User reviews

Rates & fees

See rates

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Welcome bonus

$0^◊
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Annual rewards
$477^◊
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CIBC Costco World Mastercard

2.7 Genius Rating

4.0 (1) User reviews

Rates & fees

See rates

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Welcome bonus

$0^◊
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Annual rewards
$477^◊
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Credit estimate:

 (760 - 900)

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Instant approval: Yes

Rewards

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Genius Rating

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Genius Rating

User Reviews

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Capital One Smart Rewards^™ Mastercard^®

2.6 Genius Rating

4.0 (1) User reviews

Annual fee

$0.00

Learn more

Welcome bonus

$0^◊
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Annual rewards
$234^◊
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Capital One Smart Rewards^™ Mastercard^®

2.6 Genius Rating

4.0 (1) User reviews

Annual fee

$0.00

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Welcome bonus

$0^◊
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Annual rewards
$234^◊
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Credit estimate:

 (660 - 724)

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Instant approval: Yes

Rewards

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Genius Rating

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Genius Rating

User Reviews

Pros & Cons

Scotiabank Passport^® Visa Infinite Privilege^* Card

2.6 Genius Rating

4.0 (2) User reviews

×1 Award winner

Annual fee

$599.00

Learn more

Welcome bonus

$550^◊
55,000 Scene+ points

Annual rewards
$423^◊
Offer Ends: Jul 1, 2026

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Scotiabank Passport^® Visa Infinite Privilege^* Card

2.6 Genius Rating

4.0 (2) User reviews

1x Award winner

Annual fee

$599.00

Learn more

Welcome bonus

$550^◊
55,000 Scene+ points

Annual rewards
$423^◊
Offer Ends:

Jul 1, 2026

Credit estimate:

 (725 - 759)

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Instant approval: Yes

Rewards

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Genius Rating

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Genius Rating

User Reviews

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SCU World Mastercard

2.6 Genius Rating

(0) Write your review

Annual fee

$120.00

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Welcome bonus

$0^◊
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Annual rewards
$513^◊
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SCU World Mastercard

2.6 Genius Rating

(0) Write your review

Annual fee

$120.00

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Welcome bonus

$0^◊
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Annual rewards
$513^◊
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Credit estimate:

 (760 - 900)

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Instant approval: Yes

Rewards

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Genius Rating

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Rewards

Details & Eligibility

Genius Rating

User Reviews

Pros & Cons

Capital One Aspire Cash Platinum Mastercard^®

2.6 Genius Rating

1.0 (1) User reviews

Annual fee

$0.00

Learn more

Welcome bonus

$0^◊
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Annual rewards
$360^◊
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Capital One Aspire Cash Platinum Mastercard^®

2.6 Genius Rating

1.0 (1) User reviews

Annual fee

$0.00

Learn more

Welcome bonus

$0^◊
Learn more

Annual rewards
$360^◊
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Credit estimate:

 (760 - 900)

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Instant approval: Yes

Rewards

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Genius Rating

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Details & Eligibility

Genius Rating

User Reviews

Pros & Cons

Triangle World Elite Mastercard

2.6 Genius Rating

4.0 (30) User reviews

Annual fee

$0.00

Learn more

Welcome bonus

$0^◊
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Annual rewards
$533^◊
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Triangle World Elite Mastercard

2.6 Genius Rating

4.0 (30) User reviews

Annual fee

$0.00

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Welcome bonus

$0^◊
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Annual rewards
$533^◊
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Credit estimate:

 (760 - 900)

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Instant approval: No

Rewards

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Genius Rating

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Rewards

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Genius Rating

User Reviews

Pros & Cons

Air France KLM World Elite MasterCard

2.6 Genius Rating

1.8 (12) User reviews

Annual fee

$132.00

Learn more

Welcome bonus

$600^◊
30,000 miles

Annual rewards
$774^◊
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Air France KLM World Elite MasterCard

2.6 Genius Rating

1.8 (12) User reviews

Annual fee

$132.00

Learn more

Welcome bonus

$600^◊
30,000 miles

Annual rewards
$774^◊
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Credit estimate:

 (760 - 900)

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Instant approval: No

Rewards

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Genius Rating

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Details & Eligibility

Genius Rating

User Reviews

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Alterna Visa Infinite

2.6 Genius Rating

(0) Write your review

Annual fee

$120.00

Learn more

Welcome bonus

$50^◊
5,000 points

Annual rewards
$513^◊
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Alterna Visa Infinite

2.6 Genius Rating

(0) Write your review

Annual fee

$120.00

Learn more

Welcome bonus

$50^◊
5,000 points

Annual rewards
$513^◊
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Credit estimate:

 (760 - 900)

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Instant approval: Yes

Rewards

Details & Eligibility

Genius Rating

User Reviews

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Rewards

Details & Eligibility

Genius Rating

User Reviews

Capital One Aspire Travel Platinum Mastercard^®

2.6 Genius Rating

(0) Write your review

Annual fee

$0.00

Learn more

Welcome bonus

$0^◊
Learn more

Annual rewards
$360^◊
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Capital One Aspire Travel Platinum Mastercard^®

2.6 Genius Rating

(0) Write your review

Annual fee

$0.00

Learn more

Welcome bonus

$0^◊
Learn more

Annual rewards
$360^◊
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Credit estimate:

 (760 - 900)

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Instant approval: Yes

Rewards

Details & Eligibility

Genius Rating

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Genius Rating

User Reviews

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ATB Gold My Rewards Travel Mastercard

2.5 Genius Rating

(0) Write your review

Annual fee

$0.00

Learn more

Welcome bonus

$50^◊
10,000 points

Annual rewards
$344^◊
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ATB Gold My Rewards Travel Mastercard

2.5 Genius Rating

(0) Write your review

Annual fee

$0.00

Learn more

Welcome bonus

$50^◊
10,000 points

Annual rewards
$344^◊
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Credit estimate:

 (760 - 900)

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Instant approval: No

Rewards

Details & Eligibility

Genius Rating

User Reviews

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Rewards

Details & Eligibility

Genius Rating

User Reviews

Pros & Cons

SimplyCash^® Card from American Express

2.5 Genius Rating

4.0 (23) User reviews

×1 Award winner

$50 GeniusCash + Earn up to $100 in bonus cash back.

Annual fee

See rates

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Welcome bonus

$71^◊
5% cash back

Annual rewards
$524^◊
GC Ends: Apr 15, 2026

GC: $50

I Want This Deal Learn More

Instant approval: Yes

Credit estimate:

SimplyCash^® Card from American Express

GC: $50

2.5 Genius Rating

4.0 (23) User reviews

1x Award winner

$50 GeniusCash + Earn up to $100 in bonus cash back.

Annual fee

See rates

Learn more

Welcome bonus

$71^◊
5% cash back

Annual rewards
$524^◊
GC Ends:

Apr 15, 2026

Credit estimate:

 (660 - 724)

I Want This Deal Learn More

Instant approval: Yes

Rewards

Details & Eligibility

Genius Rating

User Reviews

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Rewards

Details & Eligibility

Genius Rating

User Reviews

Pros & Cons

Meridian Visa Cash Back Card

2.5 Genius Rating

(0) Write your review

Annual fee

$0.00

Learn more

Welcome bonus

$0^◊
Learn more

Annual rewards
$266^◊
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Meridian Visa Cash Back Card

2.5 Genius Rating

(0) Write your review

Annual fee

$0.00

Learn more

Welcome bonus

$0^◊
Learn more

Annual rewards
$266^◊
Learn more

Credit estimate:

 (760 - 900)

Learn More

Instant approval: Yes

Rewards

Details & Eligibility

Genius Rating

User Reviews

Pros & Cons

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Rewards

Details & Eligibility

Genius Rating

User Reviews

Pros & Cons

Desjardins Visa Odyssey Gold

2.5 Genius Rating

3.7 (7) User reviews

Annual fee

$110.00

Learn more

Welcome bonus

$0^◊
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Annual rewards
$335^◊
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Desjardins Visa Odyssey Gold

2.5 Genius Rating

3.7 (7) User reviews

Annual fee

$110.00

Learn more

Welcome bonus

$0^◊
Learn more

Annual rewards
$335^◊
Learn more

Credit estimate:

 (760 - 900)

Learn More

Instant approval: Yes

Rewards

Details & Eligibility

Genius Rating

User Reviews

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Rewards

Details & Eligibility

Genius Rating

User Reviews

Pros & Cons

CIBC U.S. Dollar Aventura Gold Visa Card

2.5 Genius Rating

3.0 (3) User reviews

Rates & fees

See rates

1st year waived

Welcome bonus

$57^◊
2,500 points

Annual rewards
$433^◊
Learn more

Learn More

CIBC U.S. Dollar Aventura Gold Visa Card

2.5 Genius Rating

3.0 (3) User reviews

Rates & fees

See rates

1st year waived

Welcome bonus

$57^◊
2,500 points

Annual rewards
$433^◊
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Credit estimate:

 (760 - 900)

Learn More

Instant approval: Yes

Rewards

Details & Eligibility

Genius Rating

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Rewards

Details & Eligibility

Genius Rating

User Reviews

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Cathay World Elite^® Mastercard^®

2.4 Genius Rating

2.0 (2) User reviews

Annual fee

$180.00

Learn more

Welcome bonus

$1,200^◊
60,000 points

Annual rewards
$756^◊
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Learn More

Cathay World Elite^® Mastercard^®

2.4 Genius Rating

2.0 (2) User reviews

Annual fee

$180.00

Learn more

Welcome bonus

$1,200^◊
60,000 points

Annual rewards
$756^◊
Learn more

Credit estimate:

 (760 - 900)

Learn More

Instant approval: Yes

Rewards

Details & Eligibility

Genius Rating

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Rewards

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Genius Rating

User Reviews

Pros & Cons

Scotiabank Scene+ Visa Card

2.4 Genius Rating

3.5 (22) User reviews

Annual fee

$0.00

Learn more

Welcome bonus

$100^◊
10,000 Scene+ points

Annual rewards
$378^◊
Offer Ends: Jul 1, 2026

Apply Now Learn More

Scotiabank Scene+ Visa Card

2.4 Genius Rating

3.5 (22) User reviews

Annual fee

$0.00

Learn more

Welcome bonus

$100^◊
10,000 Scene+ points

Annual rewards
$378^◊
Offer Ends:

Jul 1, 2026

Credit estimate:

 (660 - 724)

Apply Now Learn More

Instant approval: Yes

Rewards

Details & Eligibility

Genius Rating

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Details & Eligibility

Genius Rating

User Reviews

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PC^® World Elite Mastercard^®

2.4 Genius Rating

5.0 (2) User reviews

Annual fee

$0.00

Learn more

Welcome bonus

$20^◊
20,000 points

Annual rewards
$396^◊
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PC^® World Elite Mastercard^®

2.4 Genius Rating

5.0 (2) User reviews

Annual fee

$0.00

Learn more

Welcome bonus

$20^◊
20,000 points

Annual rewards
$396^◊
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Credit estimate:

 (760 - 900)

Learn More

Instant approval: Yes

Rewards

Details & Eligibility

Genius Rating

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Rewards

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Genius Rating

User Reviews

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RBC Cash Back Preferred World Elite Mastercard

2.4 Genius Rating

3.9 (8) User reviews

Earn 1.5% cash back on all purchases + Standard RBC benefits.^*

Annual fee

$99.00

Learn more

Welcome bonus

$120^◊
Learn more

Annual rewards
$485^◊
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Apply Now Learn More

Instant approval: Yes

Credit estimate:

RBC Cash Back Preferred World Elite Mastercard

2.4 Genius Rating

3.9 (8) User reviews

Earn 1.5% cash back on all purchases + Standard RBC benefits.^*

Annual fee

$99.00

Learn more

Welcome bonus

$120^◊
Learn more

Annual rewards
$485^◊
Learn more

Credit estimate:

 (660 - 724)

Apply Now Learn More

Instant approval: Yes

Rewards

Details & Eligibility

Genius Rating

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Rewards

Details & Eligibility

Genius Rating

User Reviews

Pros & Cons

Meridian Visa US Dollar Card

2.4 Genius Rating

2.5 (4) User reviews

Annual fee

$65.00 $0

1st year waived

Welcome bonus

$0^◊
Learn more

Annual rewards
$360^◊
Learn more

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Meridian Visa US Dollar Card

2.4 Genius Rating

2.5 (4) User reviews

Annual fee

$65.00 $0

1st year waived

Welcome bonus

$0^◊
Learn more

Annual rewards
$360^◊
Learn more

Credit estimate:

 (760 - 900)

Learn More

Instant approval: Yes

Rewards

Details & Eligibility

Genius Rating

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Rewards

Details & Eligibility

Genius Rating

User Reviews

Pros & Cons

Laurentian Bank Visa Infinite

2.4 Genius Rating

(0) Write your review

Annual fee

$130.00

Learn more

Welcome bonus

$0^◊
Learn more

Annual rewards
$531^◊
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Laurentian Bank Visa Infinite

2.4 Genius Rating

(0) Write your review

Annual fee

$130.00

Learn more

Welcome bonus

$0^◊
Learn more

Annual rewards
$531^◊
Learn more

Credit estimate:

 (760 - 900)

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Instant approval: Yes

Rewards

Details & Eligibility

Genius Rating

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Rewards

Details & Eligibility

Genius Rating

User Reviews

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Affinity World Elite Mastercard

2.4 Genius Rating

(0) Write your review

Annual fee

$144.00

Learn more

Welcome bonus

$150^◊
150,000 points

Annual rewards
$360^◊
Learn more

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Affinity World Elite Mastercard

2.4 Genius Rating

(0) Write your review

Annual fee

$144.00

Learn more

Welcome bonus

$150^◊
150,000 points

Annual rewards
$360^◊
Learn more

Credit estimate:

 (760 - 900)

Learn More

Instant approval: Yes

Rewards

Details & Eligibility

Genius Rating

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Pros & Cons

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Rewards

Details & Eligibility

Genius Rating

User Reviews

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Alterna Cash Back Visa Infinite

2.3 Genius Rating

(0) Write your review

Annual fee

$120.00

Learn more

Welcome bonus

$50^◊
5,000 points

Annual rewards
$630^◊
Learn more

Learn More

Alterna Cash Back Visa Infinite

2.3 Genius Rating

(0) Write your review

Annual fee

$120.00

Learn more

Welcome bonus

$50^◊
5,000 points

Annual rewards
$630^◊
Learn more

Credit estimate:

 (760 - 900)

Learn More

Instant approval: Yes

Rewards

Details & Eligibility

Genius Rating

User Reviews

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Rewards

Details & Eligibility

Genius Rating

User Reviews

TD Cash Back Visa^* Card

2.3 Genius Rating

2.6 (21) User reviews

Annual fee

$0.00

Learn more

Welcome bonus

$50^◊
Learn more

Annual rewards
$248^◊
Learn more

Apply Now Learn More

TD Cash Back Visa^* Card

2.3 Genius Rating

2.6 (21) User reviews

Annual fee

$0.00

Learn more

Welcome bonus

$50^◊
Learn more

Annual rewards
$248^◊
Learn more

Credit estimate:

 (660 - 724)

Apply Now Learn More

Instant approval: Yes

Rewards

Details & Eligibility

Genius Rating

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Rewards

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Genius Rating

User Reviews

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EQ Bank Card

2.3 Genius Rating

4.5 (2) User reviews

×1 Award winner

Annual fee

$0.00

Learn more

Welcome bonus

$0^◊
Learn more

Annual rewards
$180^◊
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Apply Now Learn More

EQ Bank Card

2.3 Genius Rating

4.5 (2) User reviews

1x Award winner

Annual fee

$0.00

Learn more

Welcome bonus

$0^◊
Learn more

Annual rewards
$180^◊
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Credit estimate:

 (300 - 559)

Apply Now Learn More

Instant approval: Yes

Rewards

Details & Eligibility

Genius Rating

User Reviews

Pros & Cons

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Rewards

Details & Eligibility

Genius Rating

User Reviews

Pros & Cons

RBC U.S. Dollar Visa Gold

2.3 Genius Rating

2.8 (5) User reviews

Annual fee

US$65.00

Learn more

Welcome bonus

$30^◊
Learn more

Annual rewards
$360^◊
Learn more

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RBC U.S. Dollar Visa Gold

2.3 Genius Rating

2.8 (5) User reviews

Annual fee

US$65.00

Learn more

Welcome bonus

$30^◊
Learn more

Annual rewards
$360^◊
Learn more

Credit estimate:

 (760 - 900)

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Instant approval: Yes

Rewards

Details & Eligibility

Genius Rating

User Reviews

Pros & Cons

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Rewards

Details & Eligibility

Genius Rating

User Reviews

Pros & Cons

Desjardins Bonus Visa

2.3 Genius Rating

(0) Write your review

Annual fee

$0.00

Learn more

Welcome bonus

$0^◊
Learn more

Annual rewards
$234^◊
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Desjardins Bonus Visa

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moi RBC^® Visa^‡

2.3 Genius Rating

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$40^◊
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moi RBC^® Visa^‡

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$0.00

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Welcome bonus

$40^◊
5,000 points

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Desjardins Cash Back Mastercard

2.2 Genius Rating

3.8 (4) User reviews

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$0.00

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$0^◊
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$234^◊
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Desjardins Cash Back Mastercard

2.2 Genius Rating

3.8 (4) User reviews

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$0.00

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$0^◊
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$234^◊
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Amazon.ca Rewards Mastercard

2.2 Genius Rating

2.1 (20) User reviews

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$0.00

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$32^◊
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$369^◊
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Amazon.ca Rewards Mastercard

2.2 Genius Rating

2.1 (20) User reviews

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$0.00

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$32^◊
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$369^◊
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Walmart Rewards World Mastercard

2.2 Genius Rating

1.1 (13) User reviews

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$0.00

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$25^◊
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$396^◊
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Walmart Rewards World Mastercard

2.2 Genius Rating

1.1 (13) User reviews

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$0.00

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$25^◊
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$396^◊
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PC^® Mastercard^®

2.2 Genius Rating

1.0 (1) User reviews

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PC^® Mastercard^®

2.2 Genius Rating

1.0 (1) User reviews

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$20^◊
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Simplii Financial^™ Cash Back Visa^* Card

2.2 Genius Rating

3.8 (8) User reviews

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Simplii Financial^™ Cash Back Visa^* Card

2.2 Genius Rating

3.8 (8) User reviews

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$425^◊
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ATB Gold Cash Rewards Mastercard

2.2 Genius Rating

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$0.00

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$360^◊
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ATB Gold Cash Rewards Mastercard

2.2 Genius Rating

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$0.00

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$0^◊
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$360^◊
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Desjardins Cash Back Visa

2.2 Genius Rating

1.0 (2) User reviews

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$0.00

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$0^◊
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$234^◊
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Desjardins Cash Back Visa

2.2 Genius Rating

1.0 (2) User reviews

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$0.00

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$0^◊
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$234^◊
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PC^® World Mastercard^®

2.2 Genius Rating

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$20^◊
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PC^® World Mastercard^®

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$20^◊
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2.2 Genius Rating

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$257^◊
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2.2 Genius Rating

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$257^◊
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Affinity Mastercard

2.2 Genius Rating

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$0.00

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$10^◊
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Affinity Mastercard

2.2 Genius Rating

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$10^◊
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Rogers Red Mastercard^®

2.2 Genius Rating

2.7 (24) User reviews

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$360^◊
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Rogers Red Mastercard^®

2.2 Genius Rating

2.7 (24) User reviews

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$360^◊
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Credit estimate:

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Genius Rating

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Home Trust Preferred Visa

2.2 Genius Rating

2.6 (169) User reviews

×1 Award winner

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$0^◊
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$360^◊
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Home Trust Preferred Visa

2.2 Genius Rating

2.6 (169) User reviews

1x Award winner

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$0.00

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$0^◊
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$360^◊
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Credit estimate:

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2.1 Genius Rating

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$0.00

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$0^◊
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$257^◊
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Alterna Cash Back Visa

2.1 Genius Rating

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$0.00

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$0^◊
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$257^◊
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Credit estimate:

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Vancity enviro^™ Visa^* Classic card with Vancity Rewards

2.1 Genius Rating

3.4 (7) User reviews

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$0^◊
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$189^◊
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Vancity enviro^™ Visa^* Classic card with Vancity Rewards

2.1 Genius Rating

3.4 (7) User reviews

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$0.00

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$0^◊
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$189^◊
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Credit estimate:

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National Bank mycredit Mastercard

2.1 Genius Rating

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$0.00

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$0^◊
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$221^◊
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National Bank mycredit Mastercard

2.1 Genius Rating

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$0.00

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$0^◊
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$221^◊
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Credit estimate:

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CIBC Dividend^® Visa^* Card

2.1 Genius Rating

3.2 (12) User reviews

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$0^◊
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$306^◊
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CIBC Dividend^® Visa^* Card

2.1 Genius Rating

3.2 (12) User reviews

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$0^◊
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$306^◊
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Credit estimate:

 (760 - 900)

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Instant approval: Yes

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CIBC Dividend Platinum^® Visa^* Card

2.1 Genius Rating

3.7 (7) User reviews

Get a first-year annual fee rebate and 10% cash back for the first 4 statements on net purchases of up to $2,000.^†

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$168^◊
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CIBC Dividend Platinum^® Visa^* Card

2.1 Genius Rating

3.7 (7) User reviews

Get a first-year annual fee rebate and 10% cash back for the first 4 statements on net purchases of up to $2,000.^†

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Welcome bonus

$168^◊
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Credit estimate:

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Instant approval: Yes

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Desjardins Cash Back World Elite Mastercard

2.1 Genius Rating

3.0 (1) User reviews

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$100.00

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$0^◊
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$603^◊
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Desjardins Cash Back World Elite Mastercard

2.1 Genius Rating

3.0 (1) User reviews

Annual fee

$100.00

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Welcome bonus

$0^◊
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$603^◊
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Credit estimate:

 (760 - 900)

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Instant approval: Yes

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Scotia Momentum Visa Card

2.1 Genius Rating

3.3 (7) User reviews

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$49.00

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$0^◊
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$531^◊
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Scotia Momentum Visa Card

2.1 Genius Rating

3.3 (7) User reviews

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$49.00

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$0^◊
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$531^◊
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Credit estimate:

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Instant approval: Yes

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Wealthsimple Prepaid Mastercard

2.1 Genius Rating

4.3 (7) User reviews

×1 Award winner

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Wealthsimple Prepaid Mastercard

2.1 Genius Rating

4.3 (7) User reviews

1x Award winner

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$0.00

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$0^◊
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Credit estimate:

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Desjardins Odyssey Visa Infinite Privilege

2.0 Genius Rating

4.1 (15) User reviews

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$395.00

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$0^◊
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$792^◊
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Desjardins Odyssey Visa Infinite Privilege

2.0 Genius Rating

4.1 (15) User reviews

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$395.00

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Welcome bonus

$0^◊
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$792^◊
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Credit estimate:

 (760 - 900)

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Instant approval: No

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Neo Mastercard^®

2.0 Genius Rating

2.0 (39) User reviews

×1 Award winner

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$0.00

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$25^◊
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$186^◊
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Neo Mastercard^®

2.0 Genius Rating

2.0 (39) User reviews

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$25^◊
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$186^◊
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Credit estimate:

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Walmart Rewards Mastercard

2.0 Genius Rating

1.6 (45) User reviews

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$0.00

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Welcome bonus

$25^◊
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Annual rewards
$396^◊
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Walmart Rewards Mastercard

2.0 Genius Rating

1.6 (45) User reviews

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$0.00

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Welcome bonus

$25^◊
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$396^◊
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Credit estimate:

 (760 - 900)

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Instant approval: Yes

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Servus World Elite Mastercard

2.0 Genius Rating

4.0 (1) User reviews

Annual fee

$150.00

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$250^◊
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$720^◊
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Servus World Elite Mastercard

2.0 Genius Rating

4.0 (1) User reviews

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$150.00

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Welcome bonus

$250^◊
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$720^◊
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Credit estimate:

 (760 - 900)

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Instant approval: No

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Tims^® Mastercard (QC)

2.0 Genius Rating

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$0.00

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$20^◊
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$353^◊
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Tims^® Mastercard (QC)

2.0 Genius Rating

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$0.00

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$20^◊
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$353^◊
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Credit estimate:

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Tims^® Mastercard

2.0 Genius Rating

1.0 (1) User reviews

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$0.00

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$20^◊
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$353^◊
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Tims^® Mastercard

2.0 Genius Rating

1.0 (1) User reviews

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$0.00

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$20^◊
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$353^◊
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Credit estimate:

 (760 - 900)

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Instant approval: Yes

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Vancity enviro^™ Visa^* Classic card Low interest rate + Vancity Rewards

2.0 Genius Rating

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$50.00 $0

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$189^◊
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Vancity enviro^™ Visa^* Classic card Low interest rate + Vancity Rewards

2.0 Genius Rating

(0) Write your review

Annual fee

$50.00 $0

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$189^◊
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Credit estimate:

 (560 - 659)

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Instant approval: No

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Genius Rating

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Laurentian Bank Visa Reward Me

2.0 Genius Rating

(0) Write your review

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$0.00

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$0^◊
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$257^◊
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Laurentian Bank Visa Reward Me

2.0 Genius Rating

(0) Write your review

Annual fee

$0.00

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$0^◊
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$257^◊
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Credit estimate:

 (760 - 900)

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Instant approval: Yes

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Genius Rating

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National Bank ECHO Cashback Mastercard

2.0 Genius Rating

(0) Write your review

Annual fee

$30.00

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$0^◊
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Annual rewards
$419^◊
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National Bank ECHO Cashback Mastercard

2.0 Genius Rating

(0) Write your review

Annual fee

$30.00

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Welcome bonus

$0^◊
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$419^◊
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Credit estimate:

 (760 - 900)

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Instant approval: Yes

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Scotia Momentum No-Fee Visa Card

1.9 Genius Rating

2.8 (8) User reviews

Annual fee

$0.00

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Welcome bonus

$85^◊
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Annual rewards
$266^◊
Offer Ends: Mar 1, 2026

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Scotia Momentum No-Fee Visa Card

1.9 Genius Rating

2.8 (8) User reviews

Annual fee

$0.00

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Welcome bonus

$85^◊
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$266^◊
Offer Ends:

Mar 1, 2026

Credit estimate:

 (660 - 724)

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Instant approval: Yes

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Genius Rating

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SCU Centra Visa Gold Card

1.9 Genius Rating

(0) Write your review

Annual fee

$50.00

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Welcome bonus

$10^◊
1,000 points

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$360^◊
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SCU Centra Visa Gold Card

1.9 Genius Rating

(0) Write your review

Annual fee

$50.00

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Welcome bonus

$10^◊
1,000 points

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$360^◊
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Credit estimate:

 (760 - 900)

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Instant approval: Yes

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Genius Rating

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Brim World Elite Mastercard

1.9 Genius Rating

2.5 (28) User reviews

Annual fee

$89.00

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Welcome bonus

$0^◊
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Annual rewards
$468^◊
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Brim World Elite Mastercard

1.9 Genius Rating

2.5 (28) User reviews

Annual fee

$89.00

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Welcome bonus

$0^◊
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Annual rewards
$468^◊
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Credit estimate:

 (760 - 900)

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Instant approval: No

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Alterna Centra Visa Gold

1.9 Genius Rating

(0) Write your review

Annual fee

$50.00

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Welcome bonus

$0^◊
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Annual rewards
$360^◊
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Alterna Centra Visa Gold

1.9 Genius Rating

(0) Write your review

Annual fee

$50.00

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Welcome bonus

$0^◊
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Annual rewards
$360^◊
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Credit estimate:

 (760 - 900)

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Instant approval: Yes

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Genius Rating

User Reviews

PC Insiders World Elite Mastercard

1.9 Genius Rating

5.0 (1) User reviews

Annual fee

$120.00 $0

1st year waived

Welcome bonus

$0^◊
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Annual rewards
$414^◊
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PC Insiders World Elite Mastercard

1.9 Genius Rating

5.0 (1) User reviews

Annual fee

$120.00 $0

1st year waived

Welcome bonus

$0^◊
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Annual rewards
$414^◊
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Credit estimate:

 (760 - 900)

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Instant approval: Yes

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Genius Rating

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Laurentian Bank Visa Cashback

1.9 Genius Rating

(0) Write your review

Annual fee

$65.00

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Welcome bonus

$0^◊
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Annual rewards
$513^◊
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Laurentian Bank Visa Cashback

1.9 Genius Rating

(0) Write your review

Annual fee

$65.00

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Welcome bonus

$0^◊
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Annual rewards
$513^◊
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Credit estimate:

 (760 - 900)

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Instant approval: Yes

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RBC^® Visa^‡ Classic Low Rate Option

1.8 Genius Rating

3.7 (6) User reviews

Annual fee

$20.00 $0

1st year waived

Welcome bonus

$30^◊
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Annual rewards
$0^◊
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RBC^® Visa^‡ Classic Low Rate Option

1.8 Genius Rating

3.7 (6) User reviews

Annual fee

$20.00 $0

1st year waived

Welcome bonus

$30^◊
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Annual rewards
$0^◊
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Credit estimate:

 (560 - 659)

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Instant approval: Yes

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Genius Rating

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Canadian Tire Cash Advantage Mastercard

1.8 Genius Rating

3.0 (5) User reviews

Annual fee

$0.00

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Welcome bonus

$0^◊
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Annual rewards
$421^◊
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Canadian Tire Cash Advantage Mastercard

1.8 Genius Rating

3.0 (5) User reviews

Annual fee

$0.00

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Welcome bonus

$0^◊
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Annual rewards
$421^◊
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Credit estimate:

 (760 - 900)

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Instant approval: No

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Genius Rating

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KOHO Everything Mastercard

1.8 Genius Rating

3.7 (3) User reviews

×1 Award winner

$80 GeniusCash + Up to 2% cash back on purchases + No foreign exchange fees.^*

Annual fee

$177.00

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Welcome bonus

$20^◊
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Annual rewards
$396^◊
GC Ends: Apr 30, 2026

GC: $80

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Instant approval: Yes

Credit estimate:

KOHO Everything Mastercard

GC: $80

1.8 Genius Rating

3.7 (3) User reviews

1x Award winner

$80 GeniusCash + Up to 2% cash back on purchases + No foreign exchange fees.^*

Annual fee

$177.00

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Welcome bonus

$20^◊
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Annual rewards
$396^◊
GC Ends:

Apr 30, 2026

Credit estimate:

 (300 - 559)

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Instant approval: Yes

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National Bank Allure Mastercard

1.8 Genius Rating

(0) Write your review

Annual fee

$0.00

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Welcome bonus

$0^◊
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Annual rewards
$178^◊
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National Bank Allure Mastercard

1.8 Genius Rating

(0) Write your review

Annual fee

$0.00

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Welcome bonus

$0^◊
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Annual rewards
$178^◊
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Credit estimate:

 (760 - 900)

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Instant approval: Yes

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Genius Rating

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Desjardins Flexi Visa

1.7 Genius Rating

(0) Write your review

Annual fee

$0.00

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Welcome bonus

$0^◊
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$0^◊
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Desjardins Flexi Visa

1.7 Genius Rating

(0) Write your review

Annual fee

$0.00

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$0^◊
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$0^◊
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Credit estimate:

 (760 - 900)

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Instant approval: Yes

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Triangle Mastercard

1.7 Genius Rating

2.9 (46) User reviews

Annual fee

$0.00

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Welcome bonus

$0^◊
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Annual rewards
$295^◊
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Triangle Mastercard

1.7 Genius Rating

2.9 (46) User reviews

Annual fee

$0.00

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Welcome bonus

$0^◊
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Annual rewards
$295^◊
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Credit estimate:

 (760 - 900)

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Instant approval: No

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Genius Rating

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Scotiabank Momentum Mastercard Credit Card

1.7 Genius Rating

2.0 (5) User reviews

Annual fee

$0.00

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Welcome bonus

$0^◊
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Annual rewards
$266^◊
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Scotiabank Momentum Mastercard Credit Card

1.7 Genius Rating

2.0 (5) User reviews

Annual fee

$0.00

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Welcome bonus

$0^◊
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Annual rewards
$266^◊
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Credit estimate:

 (760 - 900)

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Instant approval: Yes

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Genius Rating

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Affinity World Mastercard

1.7 Genius Rating

(0) Write your review

Annual fee

$120.00

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Welcome bonus

$50^◊
50,000 points

Annual rewards
$270^◊
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Affinity World Mastercard

1.7 Genius Rating

(0) Write your review

Annual fee

$120.00

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Welcome bonus

$50^◊
50,000 points

Annual rewards
$270^◊
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Credit estimate:

 (760 - 900)

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Instant approval: Yes

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Genius Rating

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RBC Visa Platinum

1.6 Genius Rating

3.3 (3) User reviews

Annual fee

$0.00

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Welcome bonus

$30^◊
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Annual rewards
$0^◊
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RBC Visa Platinum

1.6 Genius Rating

3.3 (3) User reviews

Annual fee

$0.00

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Welcome bonus

$30^◊
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Annual rewards
$0^◊
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Credit estimate:

 (760 - 900)

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Instant approval: Yes

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Genius Rating

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Genius Rating

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BMO Preferred Rate Mastercard^®*

1.6 Genius Rating

3.3 (8) User reviews

$125 GeniusCash + 0.99% on balance transfers for 9 months + Very low interest rates.^*

Annual fee

$29.00 $0

1st year waived

Welcome bonus

$0^◊
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Annual rewards
$0^◊
GC Ends: Apr 30, 2026

GC: $125

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Instant approval: Yes

Credit estimate:

BMO Preferred Rate Mastercard^®*

GC: $125

1.6 Genius Rating

3.3 (8) User reviews

$125 GeniusCash + 0.99% on balance transfers for 9 months + Very low interest rates.^*

Annual fee

$29.00 $0

1st year waived

Welcome bonus

$0^◊
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Annual rewards
$0^◊
GC Ends:

Apr 30, 2026

Credit estimate:

 (560 - 659)

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Instant approval: Yes

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Genius Rating

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MBNA True Line^® Mastercard^®

1.6 Genius Rating

2.9 (12) User reviews

×2 Award winner

$20 GeniusCash + 0% on balance transfers for 12 months (3% fee) + No annual fee.^*

Annual fee

$0.00

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Welcome bonus

$0^◊
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Annual rewards
$0^◊
GC Ends: Apr 30, 2026

GC: $20

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Instant approval: Yes

Credit estimate:

MBNA True Line^® Mastercard^®

GC: $20

1.6 Genius Rating

2.9 (12) User reviews

2x Award winner

$20 GeniusCash + 0% on balance transfers for 12 months (3% fee) + No annual fee.^*

Annual fee

$0.00

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Welcome bonus

$0^◊
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Annual rewards
$0^◊
GC Ends:

Apr 30, 2026

Credit estimate:

 (725 - 759)

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Instant approval: Yes

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Genius Rating

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Neo Everyday Account

1.6 Genius Rating

4.0 (3) User reviews

Annual fee

$0.00

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Welcome bonus

$0^◊
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Annual rewards
$186^◊
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Neo Everyday Account

1.6 Genius Rating

4.0 (3) User reviews

Annual fee

$0.00

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Welcome bonus

$0^◊
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Annual rewards
$186^◊
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Credit estimate:

 (300 - 559)

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Instant approval: Yes

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Genius Rating

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Genius Rating

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CIBC Select Visa^* Card

1.5 Genius Rating

1.4 (5) User reviews

×2 Award winner

Rates & fees

See rates

1st year waived

Welcome bonus

$0^◊
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Annual rewards
$0^◊
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CIBC Select Visa^* Card

1.5 Genius Rating

1.4 (5) User reviews

2x Award winner

Rates & fees

See rates

1st year waived

Welcome bonus

$0^◊
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Annual rewards
$0^◊
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Credit estimate:

 (560 - 659)

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Instant approval: Yes

Rewards

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Genius Rating

User Reviews

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KOHO Extra Mastercard

1.5 Genius Rating

3.4 (13) User reviews

$80 GeniusCash + Up to 1.5% cash back on purchases + Lower annual fee.^*

Annual fee

$144.00

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Welcome bonus

$20^◊
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Annual rewards
$288^◊
GC Ends: Apr 30, 2026

GC: $80

I Want This Deal Learn More

Instant approval: Yes

Credit estimate:

KOHO Extra Mastercard

GC: $80

1.5 Genius Rating

3.4 (13) User reviews

$80 GeniusCash + Up to 1.5% cash back on purchases + Lower annual fee.^*

Annual fee

$144.00

Learn more

Welcome bonus

$20^◊
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Annual rewards
$288^◊
GC Ends:

Apr 30, 2026

Credit estimate:

 (300 - 559)

I Want This Deal Learn More

Instant approval: Yes

Rewards

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Genius Rating

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Genius Rating

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Brim Mastercard

1.4 Genius Rating

2.0 (84) User reviews

Annual fee

$0.00

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Welcome bonus

$0^◊
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Annual rewards
$297^◊
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Brim Mastercard

1.4 Genius Rating

2.0 (84) User reviews

Annual fee

$0.00

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Welcome bonus

$0^◊
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Annual rewards
$297^◊
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Credit estimate:

 (760 - 900)

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Instant approval: No

Rewards

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Genius Rating

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Genius Rating

User Reviews

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KOHO Essential Mastercard

1.4 Genius Rating

5.0 (3) User reviews

$80 GeniusCash + Up to 1% cash back on purchases + 2% interest on your balance.^*

Annual fee

$48.00

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Welcome bonus

$20^◊
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Annual rewards
$180^◊
GC Ends: Apr 30, 2026

GC: $80

I Want This Deal Learn More

Instant approval: Yes

Credit estimate:

KOHO Essential Mastercard

GC: $80

1.4 Genius Rating

5.0 (3) User reviews

$80 GeniusCash + Up to 1% cash back on purchases + 2% interest on your balance.^*

Annual fee

$48.00

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Welcome bonus

$20^◊
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Annual rewards
$180^◊
GC Ends:

Apr 30, 2026

Credit estimate:

 (300 - 559)

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Instant approval: Yes

Rewards

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Genius Rating

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Genius Rating

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SCU US Dollar Mastercard

1.4 Genius Rating

(0) Write your review

Annual fee

US$50.00

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Welcome bonus

$0^◊
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Annual rewards
$180^◊
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SCU US Dollar Mastercard

1.4 Genius Rating

(0) Write your review

Annual fee

US$50.00

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Welcome bonus

$0^◊
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Annual rewards
$180^◊
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Credit estimate:

 (760 - 900)

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Instant approval: Yes

Rewards

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Genius Rating

User Reviews

Capital One Guaranteed Mastercard^®

1.4 Genius Rating

5.0 (2) User reviews

Annual fee

$0.00

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Welcome bonus

$0^◊
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Annual rewards
$0^◊
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Capital One Guaranteed Mastercard^®

1.4 Genius Rating

5.0 (2) User reviews

Annual fee

$0.00

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Welcome bonus

$0^◊
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Annual rewards
$0^◊
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Credit estimate:

 (300 - 559)

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Instant approval: No

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Genius Rating

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SCU Classic Mastercard

1.4 Genius Rating

(0) Write your review

Annual fee

$0.00

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Welcome bonus

$0^◊
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Annual rewards
$0^◊
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SCU Classic Mastercard

1.4 Genius Rating

(0) Write your review

Annual fee

$0.00

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Welcome bonus

$0^◊
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Annual rewards
$0^◊
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Credit estimate:

 (760 - 900)

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Instant approval: Yes

Rewards

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Genius Rating

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Servus Gold Mastercard

1.4 Genius Rating

(0) Write your review

Annual fee

$75.00

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Welcome bonus

$50^◊
5,000 points

Annual rewards
$360^◊
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Servus Gold Mastercard

1.4 Genius Rating

(0) Write your review

Annual fee

$75.00

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Welcome bonus

$50^◊
5,000 points

Annual rewards
$360^◊
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Credit estimate:

 (760 - 900)

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Instant approval: No

Rewards

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Genius Rating

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Genius Rating

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PC Money Account

1.4 Genius Rating

(0) Write your review

Annual fee

$0.00

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Welcome bonus

$0^◊
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Annual rewards
$189^◊
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PC Money Account

1.4 Genius Rating

(0) Write your review

Annual fee

$0.00

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Welcome bonus

$0^◊
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Annual rewards
$189^◊
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Credit estimate:

 (760 - 900)

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Instant approval: Yes

Rewards

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Genius Rating

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Genius Rating

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Alterna U.S. Dollar Visa

1.4 Genius Rating

(0) Write your review

Annual fee

US$50.00

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Welcome bonus

$0^◊
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Annual rewards
$180^◊
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Alterna U.S. Dollar Visa

1.4 Genius Rating

(0) Write your review

Annual fee

US$50.00

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Welcome bonus

$0^◊
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Annual rewards
$180^◊
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Credit estimate:

 (760 - 900)

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Instant approval: Yes

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Genius Rating

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Alterna Visa Classic

1.4 Genius Rating

(0) Write your review

Annual fee

$0.00

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Welcome bonus

$0^◊
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Annual rewards
$0^◊
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Alterna Visa Classic

1.4 Genius Rating

(0) Write your review

Annual fee

$0.00

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Welcome bonus

$0^◊
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Annual rewards
$0^◊
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Credit estimate:

 (760 - 900)

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Instant approval: Yes

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Genius Rating

User Reviews

TD Low Rate Visa^* Card

1.4 Genius Rating

5.0 (1) User reviews

$20 GeniusCash + 0% promotional rate on new purchases for the first 6 months.^*

Annual fee

$25.00

Learn more

Welcome bonus

$0^◊
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Annual rewards
$0^◊
GC Ends: Apr 30, 2026

GC: $20

I Want This Deal Learn More

Instant approval: Yes

Credit estimate:

TD Low Rate Visa^* Card

GC: $20

1.4 Genius Rating

5.0 (1) User reviews

$20 GeniusCash + 0% promotional rate on new purchases for the first 6 months.^*

Annual fee

$25.00

Learn more

Welcome bonus

$0^◊
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Annual rewards
$0^◊
GC Ends:

Apr 30, 2026

Credit estimate:

 (560 - 659)

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Instant approval: Yes

Rewards

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Genius Rating

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Genius Rating

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National Bank MC1 Mastercard

1.3 Genius Rating

3.8 (4) User reviews

Annual fee

$0.00

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Welcome bonus

$0^◊
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Annual rewards
$0^◊
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National Bank MC1 Mastercard

1.3 Genius Rating

3.8 (4) User reviews

Annual fee

$0.00

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Welcome bonus

$0^◊
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Annual rewards
$0^◊
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Credit estimate:

 (760 - 900)

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Instant approval: Yes

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Genius Rating

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MBNA True Line^® Gold Mastercard^®

1.3 Genius Rating

3.4 (7) User reviews

Annual fee

$39.00

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Welcome bonus

$0^◊
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Annual rewards
$0^◊
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MBNA True Line^® Gold Mastercard^®

1.3 Genius Rating

3.4 (7) User reviews

Annual fee

$39.00

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Welcome bonus

$0^◊
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Annual rewards
$0^◊
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Credit estimate:

 (660 - 724)

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Instant approval: Yes

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Genius Rating

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National Bank Syncro Mastercard

1.3 Genius Rating

5.0 (1) User reviews

Annual fee

$35.00 $0

1st year annual fee rebate

Welcome bonus

$70^◊
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Annual rewards
$0^◊
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National Bank Syncro Mastercard

1.3 Genius Rating

5.0 (1) User reviews

Annual fee

$35.00 $0

1st year annual fee rebate

Welcome bonus

$70^◊
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Annual rewards
$0^◊
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Credit estimate:

 (760 - 900)

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Instant approval: Yes

Rewards

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Genius Rating

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Joker Prepaid Mastercard

1.3 Genius Rating

1.0 (26) User reviews

Annual fee

$0.00

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Welcome bonus

$0^◊
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Annual rewards
$90^◊
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Joker Prepaid Mastercard

1.3 Genius Rating

1.0 (26) User reviews

Annual fee

$0.00

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Welcome bonus

$0^◊
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Annual rewards
$90^◊
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Credit estimate:

 (300 - 559)

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Instant approval: Yes

Rewards

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Genius Rating

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Genius Rating

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Scotiabank Value Visa Card

1.3 Genius Rating

1.8 (5) User reviews

×1 Award winner

Annual fee

$29.00 $0

1st year waived

Welcome bonus

$0^◊
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Annual rewards
$0^◊
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Scotiabank Value Visa Card

1.3 Genius Rating

1.8 (5) User reviews

1x Award winner

Annual fee

$29.00 $0

1st year waived

Welcome bonus

$0^◊
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Annual rewards
$0^◊
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Credit estimate:

 (660 - 724)

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Instant approval: Yes

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Genius Rating

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CIBC Classic Visa Card

1.2 Genius Rating

4.1 (9) User reviews

Rates & fees

See rates

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Welcome bonus

$0^◊
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Annual rewards
$0^◊
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CIBC Classic Visa Card

1.2 Genius Rating

4.1 (9) User reviews

Rates & fees

See rates

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Welcome bonus

$0^◊
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Annual rewards
$0^◊
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Credit estimate:

 (760 - 900)

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Instant approval: Yes

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Genius Rating

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BMO U.S. Dollar Mastercard^®*

1.1 Genius Rating

2.0 (12) User reviews

Annual fee

US$49.00

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Welcome bonus

$0^◊
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Annual rewards
$0^◊
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BMO U.S. Dollar Mastercard^®*

1.1 Genius Rating

2.0 (12) User reviews

Annual fee

US$49.00

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Welcome bonus

$0^◊
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Annual rewards
$0^◊
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Credit estimate:

 (560 - 659)

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Instant approval: Yes

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ManulifeMONEY+ Visa Infinite

1.1 Genius Rating

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Annual fee

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ManulifeMONEY+ Visa Infinite

1.1 Genius Rating

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0.9 Genius Rating

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ManulifeMONEY+ Visa Platinum

0.9 Genius Rating

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RBC RateAdvantage Visa

0.8 Genius Rating

4.0 (2) User reviews

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$30^◊
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RBC RateAdvantage Visa

0.8 Genius Rating

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American Express Essential^™ Credit Card

0.8 Genius Rating

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0.8 Genius Rating

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0.8 Genius Rating

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0.8 Genius Rating

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ATB Preferred Fixed-Rate Mastercard

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ATB Preferred Variable-Rate Mastercard

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ATB Preferred Variable-Rate Mastercard

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Scotiabank US Dollar Visa Card

0.7 Genius Rating

2.1 (7) User reviews

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US$35.00

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Scotiabank US Dollar Visa Card

0.7 Genius Rating

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US$19.00

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Servus No Fee Mastercard

0.7 Genius Rating

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$180^◊
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Servus No Fee Mastercard

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MyVanilla Prepaid Mastercard

0.5 Genius Rating

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$59.40

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0.5 Genius Rating

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$15.00

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0.4 Genius Rating

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$15.00

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FlexitiCard

0.0 Genius Rating

2.5 (2) User reviews

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$24.99

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0.0 Genius Rating

2.5 (2) User reviews

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$24.99

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FAQ

What are some things to consider for planning a winter vacation?

There are a few things to consider when planning a vacation. These include things like what you want to do, how much you want to spend, and ultimately, where you want to go.

What is the best credit card to earn points to get a free vacation?

To earn the most points to get a free vacation, the American Express Cobalt offers plenty of points, and multiple high value ways to use them.

What are some winter vacation ideas?

Here are a few winter vacation ideas:

• pool and beach vacation in Mexico/Caribbean,
• golfing,
• amusement parks, and
• skiing/snowboarding.