I wanted to get the Amex cobalt but some friends are telling me that the signup bonus is a bit low rn and to wait for an offer.

Is there another card that’s worth it?

For reference I’m in the GTA and spend money on going out and groceries. Could also consider using chexy to pay for my rent.

I already have a Scotia passport infinite for lounge access and foreign travel.

My family and I currently put nearly all of our purchases, bill payments, and charitable giving on our Costco credit card.

After reviewing our statements, I realized that over the past few years we’ve charged close to $50,000 annually, yet the cash-back return feels underwhelming.

Given that level of spending, I’m wondering which credit card might be the best fit for maximizing cash back or points. We rarely travel internationally, so I’ve leaned toward cash-back rewards instead of travel points, but I’m open to either if the value is compelling.

What card would you recommend for someone with this spending pattern?

[last update: 2025-11-30]

Hey churners !

Here is a list of the top cards I think are worth considering.

This list is based on current offers based on sign-up bonuses and travel perks.

This is of course subjective and no card is one-size-fits-all.

Important : offers may change at anytime so make sure to always read the terms before applying.

Lingo :

• MSR = Minimum spend requirement

• MR = Amex Membership Rewards

• FYF = First Year Free

• AF = Annual fees

• GCR = GreatCanadianRebates

• CCG = CreditCardGenius

There is also a list that other Redditors mange on GitHub: https://github.com/stnlykwk/canada-best-cc-offers

Top tier cards currently :

• Amex Biz Platinum : $799 ; up to 130K MR; $15K

• Amex Platinum : $799 ; up to 110K MR; $10K

• Amex Cobalt : $13/month ; 22,000pts, $750/mo

• AMEX Gold pers : $250 ; up to 60Kpts ; $12,000

• AMEX Marriott pers : $120 ; 55Kpts ; $3,000

• AMEX Marriott Biz : $150 ; 60Kpts ; $5,000

• AMEX Aeroplan core : $120 ; up to 40Kpts ; $4,000

• Amex Aeroplan Reserve : $599 ; 90Kpts ; $7.5K

• BMO Ascend WE MC : FYF ; 55K+pts; $4.5K

• BMO WE AirMiles : FYF ; 3,000 AM ; $3K

• CIBC Aventura Visa Infinite : FYF ; 45Kpts ; $3K

• CIBC Aventura Visa Gold : FYF ; 45Kpts ; $3K

• CIBC Dividend Visa Infinite : FYF ; 10% up to $3,000

• MBNA Rewards WE MC : $120 ; 30Kpts ; $2K

• RBC Avion Visa Infinite : $120; 55Kpts, $5K

• RBC Avion Visa Platinum : $120; 55Kpts, $5K

• RBC WestJet WE : FYF via link ; 60Kpts WJ, $5K

• Scotia Passport Infinite: $150 ; 35Kpts ; $2K

• Scotia Amex Gold: FY ; 30Kpts ; $2K; no fx

• Scotia Momentum Visa Infinite: FYF ; $200 ; $2K

• Scotia Amex Platinum: $399; 80Kpts ; $3K ; no fx

• TD FCT Visa Infinite : FYF ; 145Kpts ; $7,500

• TD CashBack Visa Infinite : FYF ; 10% on $3,500 spend in specific categories

• TD FCT Visa Platinum : FYF ; 50Kpts ; $1K

Cards worth considering in specific situations:

• Amex Biz Gold : $199, 40K MR, $7.5K

• BMO VIPorter WE MC : FYF ; 20K to 60Kpts; $5K to $18K

• BMO Eclipse Visa Infinite : FYF ; 30K+pts; $3K

• CIBC Aeroplan Visa Infinite : FYF ; up to 40Kpts ; $5K-10K

• CIBC Aeroplan Visa Privilege : $599 ; up to 85K; $25K

• RBC British Airways Visa Inf : $165 ; 60Kpts ; $10K

• TD Aeroplan Platinum : FYF ; 15K miles ; $1K

• TD Aeroplan Visa Infinite : $139 ; 25Kpts ; $7.5K

• TD Aeroplan Visa Privilege : $599 ; up to 85K; $24K

DETAILS

Amex personal Platinum (great travel card and very solid offer)

• $799 AF

• $200 annual travel credit

• $200 annual fine dining credit

• 70,000 MR after spending $10,000 (or 80,000pts via referral)

• Additional 30Kpts when you make a purchase between 14 and 17 months

• Earn 2MR/$ on dining and travel

• Gives gold status at Marriott and Hilton

• Amex FHR

• Benefits at YYZ

• Priority Pass with unlimited entries

• Sign-up via a referral (extra 10Kpts) or via GCR for $125 cash back

Amex Personal gold (good bonus)

• $250 AF

• $100 annual travel credit

• 5,000pts/month when you spend $1,000 for first 12 month (up to 60Kpts)

• Additional 10Kpts when you make a purchase between 14 and 17 months (via referral)

• 2x on travel, gas, grocery and drugstore

• 4 passes for Plaza Premium lounges

• Sign-up : via referal for 10Kpts extra or via GCR for $125 cashback

Amex Biz gold

• $199 AF

• 40K MR after spending $7.5K

• Sign-up : use a referral or via GCR for $125 cashback

Amex Biz Platinum (highest bonus in Canada)

• $799 AF

• $200 travel credit

• 80K MR after spending $15K (90Kpts via referral)

• Additional 40Kpts when you make a purchase between 14 and 17 months

• Gives gold status at Marriott

• Priority Pass with unlimited entries

• 1.25x on everything else

• Sign-up via a referral (10Kpts extra) or via GCR for $150 cash back

Amex Cobalt (great for 5x MR, card getting nerfed constantly)

• $13/month AF

• 1,250 MR bonus each month (statement) you spend $750

• Extra 7Kpts from targeted referrals

• Gives 5 MR per dollar on food (grocery, restaurant, bars)

• Gives 2 MR/$ on transport and gas

• Sign-up via referral for extra 7Kpts or via GCR for $100 cashback

Amex Marriott personal (low bonus; good keeper card for annual FNA)

• $120 AF

• 50K Marriott pts after spending $1,500

• or 55Kpts after spending $3,000 via referral (some mentioned targeted 70Kpts offer)

• 5x at Marriott and 2x else

• Anniversary free night (up to 35Kpts) starting year 2

• sign up via referral or GCR for extra $75

Amex Marriott Biz (low bonus; good keeper card for annual FNA)

• $150 AF

• 60Kpts Marriott pts after spending $5,000

• 5x at Marriott, 3x for travel, gas and dining and 2x else

• Anniversary free night (up to 35Kpts) starting year 2

• 10Kpts when giving a referral (now 20Kpts during promo)

• Sign-up via referral (no extra) or via GCR for extra $75

Amex Aeroplan core (good if you value the soft perks)

• $120

• 30Kpts when you spend $3,000 in first 3 months

• 10Kpts months 13 if you spend $1,000 that month

• 2x Air Canada

• 1.5x dining and food delivery

• Sign-up via GCR for $50 cashback

• Also in-path offer on AirCanada : 25Kpts after spending $3K + 20Kpts month 13th + $100 AC credit

Amex Aeroplan Reserve (good if you value the soft perks)

• $599

• 60Kpts when you spend $7,500 in first 3 months

• 40Kpts additional if you spend $45K during first 12 months

• Additional 30Kpts when you make a pruchase month 15-17

• 3x AC and 2x dinind and food delivery

• 1.25x else

• MLL lounge access

• $100 Nexus credit, UberPass membership

• Sign-up via GCR for $125 cashback

BMO World Elite Air Miles MC

• FYF

• 3,000 AirMiles after spending $4,500

• Additionnal 2,000 AM after spending $10,000

• Additionnal 2,000 AM after spending $20,000

• $125 cashback via FrugalFlyer

BMO Ascend WE MC (net bonus of $491+ 4 lounge passes)

• FYF

• 55Kpts (worth $366) after spending $4,500

• 3,750pts each month after spending $2,500 for months 4 to 15

• 5x (3.35%) on travel

• 2x (1.34%) on restaurants, entertainment and recurring bills

• 4 lounge passes

• $125 cashback via Credit Card Genius

BMO Eclipse Visa Infinite (net bonus of $391)

• FYF

• 30Kpts (worth $200) after spending $3K

• 2,500pts each month after spending $2K for months 4 to 15

• $50 annual lifestyle credit

• 5x (3.35%) on grocery, restaurants, gas and transit

BMO VIPorter WE MC (new)

• FYF

• 20Kpts after spending $5K

• extra 20Kpts + companion pass after spending $9K within 180 days.

• extra 30Kpts after spending $18K within 1 year

• 3pts / $ on Porter spend

• 2pts/$ on gas, transportation, grocery, dining and hotels

• $125 cashback via FrugalFlyer

• or via in-flight link for extra 10Kpts : https://go.bmo.com/inflightoffer

CIBC Aeroplan Visa Infinite (not too bad)

• FYF

• 10Kpts after first purchase

• 10Kpts after spending $6K

• 20Kpts anniversary if you spent $12K during 1st year

• 1.5x on grocery and gas

• Free check bag and preferred pricing on flights

CIBC Aeroplan Visa Privilege

• $599

• 20Kpts after first purchase

• 30Kpts when you spend $15,000 for first 6 months

• 35Kpts at anniversary if you spend $25K on the card during first year

• 1.5x on grocery, gas, travel and dining

• 1.25x else

• Free check bag

• MLL access, Nexus credit

CIBC Aventura Visa Infinite (good offer)

• FYF

• 15Kpts at 1st purchase

• extra 30Kpts when you spend $3K

• Visa Dragonpass + 4 passes

• Nexus credit up to $160

• Skip+ subscription for 1 year

• Sign-up promo link

CIBC Aventura Visa Gold (good offer)

• FYF

• 15Kpts at 1st purchase

• extra 30Kpts when you spend $3K

• Visa Dragonpass + 4 passes

• Nexus credit up to $160

• Sign-up promo link

CIBC Dividend Visa Inf

• FYF

• 10% off first $3,000

• $50 for setting up recurring bill

• 4% on gas and grocery

• 2% on dining, transport and bills

• Save $0.10/L (first 250L), 3x Journie pts, 2 premium free car wash

• Promo link

MBNA REWARDS WE MC

• $120 AF

• 20Kpts after spending $2K

• 10Kpts after enrolling into paperless e-statement

• Quebec : 20Kpts, no MSR

• 5pts/$ on restaurant, grocery, digital media, membership, and household utility purchases

• 10% bonus on the points earned last 12 months on birthday (up to 15Kpts)

• Apply via CCG for $200

RBC AVION Visa Infinite (great bonus)

• $120 annual fees

• 35Kpts Avion on approval

• Extra 20Kpts after spending $5K

• Save $0.03/L at Petro-Canada

RBC AVION Visa Plat

• $120 annual fees

• 35Kpts Avion on approval

RBC British Airways Visa Infinite

• $165 AF

• 30K Avios miles after spending $5K in 3 months

• extra 30K Avios miles after spending $5K in days 91-180

• Companion e-Voucher after spending $30K

RBC WestJet WE MC (good keeper card if you use companion voucher)

• FYF with promo link

• 30Kpts WJ after 1st purchase

• Extra 30Kpts after you spend $5K

• Annual companion voucher for $119+fee in North America ($399 for the rest of the world)

• Free first luggage on WJ

• Promo link

Scotia Amex gold Scene+ (solid offer)

• FYF

• 30Kpts sign-up bonus (worth $300) after spending $2K

• 20Kpts bonus after spending $7,5K

• No FX fees

• 6x at Sobeys

• 5x food and entertainment

• 3x at transit, gas and streaming

• Sign-up via GCR extra $150

Scotia Amex Platinum Amex ($400 net bonus)

• $399 AF

• 60Kpts sign-up bonus (worth $600) after spending $3K

• 20Kpts bonus after spending $10K

• No FX fees

• 10 airport lounge passes (Priority Pass)

• 2x on everything

• Sign-up via GCR or FF for extra $175 / $200

Scotia Passport Visa Infinite (good travel card)

• $150 AF

• 35Kpts sign-up bonus (worth $350) after spending $2,000

• No FX fees

• 3x at Sobeys

• 2x food and cinema

• 6 lounge passes

• Sign-up via GCR or FF for extra $150

Scotia Momentum Visa Infinite

• FYF

• 10% off $2K

• 4% on grocery and recurring

• 2% on gas and transit

• cashback is paid once a year in November

• $100 cashback from GCR / FF

TD Aeroplan Visa Infinite

• FYF

• 10Kpts after first purchase

• 15Kpts after spending $7,500 within 180 days

• 25Kpts at anniversary if you spend $12,000pts first 12 months

• 1.5x on grocery, gas and AC

• Free checked bag on AC

• Promo link for 10K + 15K + 25K :

• $200 Air Canada credit when applying via Air Canada in path offer (but not FYF) For Quebec : any $200+ purchase would qualify for $200 statement credit, but 10K + 15K + 15K for points

TD Aeroplan Visa Privilege

• $599

• 20Kpts after first purchase

• 35Kpts when you spend $12,000 for first 6 months

• 30Kpts at anniversary if you spend $24K on the card during first year

• 1.5x on grocery, gas, travel and dining

• 1.25x else

• Free check bag

• MLL access, Nexus credit

TD Aeroplan Visa Platinum

• FYF

• 15K pts after spending $1,000

TD First Class Travel Visa Infinite (highest bonus ever - worth $825)

• FYF

• 20Kpts after first purchase

• 145Kpts incremental after spending $7,500 in first 180 days

• 10% more pts at anniversary up to 10Kpts

• Annual $100 credit on Expedia4TD for $500+ prepaid hotels

• Points are worth 0.5cpp at Expedia4TD or 0.4cpp Book on your own

• 8x on TD Rewards, 6x on grocery and restaurants, 4x bills, 2x else

• 4 annual airport lounge passes

• Sign-up via GCR for $100 cashback

TD Platinum Travel Visa ($310 net bonus)

• FYF

• 50Kpts after spending $1K

• Sign-up via GCR for $60 cashback

TD CashBack Visa Infinte (very solid : $450 net bonus + Auto Club)

• FYF

• 10% on first $3,500 spend in these specific categories : gas, grocery and pre-authorize payements

• 3% on grocery and gas

• Free Deluxe TD Auto Club Membership

• $100 cashback via GCR

Cheers :)

What is the best Credit Card from any major Canadian Bank?

Hello everyone,

Right now, I have 2 credit cards

1. Momentum visa cashback cc with scotiabank

2. Avion visa infinte cc with RBC

I am from India and would like to have a credit card for travel- going to India in 1-2 years. And preferably another card for like everyday spendings.

I would also like to have another one for backup as well.

What would you guys recommend ? Should I keep these 2 or go for another set ?

I am in ontario, canada if anyone’s wondering.

I spend about 56k per year, most is supermarket, gas, eating out, dollar stores, fruits and veggies.

I am thinking about getting the Rogers Red Mastercard but wonder if there is a better option out there, if possible NO FEE too.

I also wonder what Rogers mean by "eligible purchases", I called them and was not informed if gas and supermarket can be considered or not

Thank you

Most credit cards that are “premium” are mainly giving travel benefits, but I was looking for a card with lots of cash back and other perks because I barely take flights so lounges ans such don’t matter, any recommendations? I’d prefer something from rbc, scotia bank or envision financial

I will be starting my career soon, and will be living at home before moving out next year. My goal is to save as much money as possible to build a lump sum for investing. I will be spending a maximum of 500$ a month with the majority of expenses on food and gas, what credit card makes the most sense for me?

Currently, I am a customer of CIBC and TD. I am 20 and am looking to apply for a credit card. If I plan to, say, lease a car and rent a place within the next 3-10 years, is now the best time to apply, or is it too late? I looked at AMEX (this is American however), BMO, RBC, and CIBC and TD Aeroplan. Should I stick with what I have, or open a new account for applying? Should I also open an online bank like Simplii?

Hi if yearly annual fees are not an issue, which travel credit cards offer the best value in Canada? I have the TD First Class Infinite Travel Credit Card, but not sure if theres better out there.

I have a RBC credit card which I have been using for 2 years. I am thinking about getting a new one. Which will be some of the best credit cards to have living in BC, canada? It can be based on cash back or reward systems.

I currently have the td aeroplan visa (not the VIP one) don’t think it’s worth the upgrade for $500 esp with the changes coming in 2026. And I don’t travel a ton so the perks aren’t worth it, but I have amassed about 160k aeroplan points over about 2.5 years. I also have the Costco mc but typically use it only for Costco. I pay for most things on credit card and feel like I’m missing out of offers / points / cashback. What are some of the best credit cards for someone earning 150k? Any help is appreciated!

Title.

I’m reinventing my whole credit card situation and have been looking into credit card offers and reviews. It seems like unanimously, everywhere you look everyone agrees that the American Express Cobalt is the overall best credit card in Canada but there never seems to be a runner up, it just then breaks it down by category.

I like the Amex Cobalt but I do most of my grocery shopping at Costco and I’m not really looking to constantly try and use a loophole like buying a prepaid MasterCard just to shop for groceries. There’s other reasons I don’t want an Amex as well like the monthly fee and various other things so I’m just looking for the overall best credit card in Canada that’s not American Express. Pretend Amex didn’t exist for a second, what’s the best card?

Spend around 1k a month on eating outside and restaurants. rarely spend money on groceries or gas, no travel either. Please recommend me the best card for this scenario. Currently on CIBC dividend Platinum card (no fees)

In terms of rewards I’d like to see what you are using. Do you feel rewarded? I’m currently using the CIBC Costco card (3% cash back) for personal and earning nothing on my business card as I do very little spending but I’m switching gears and will need a good business card soon as well. TIA!

I'm a post secondary student looking for a better credit card that best suits my purchases.

I currently have the TD credit card that has no annual fee. My issue is the low cash back/reward percentage as well as the categories. I don't pay for gas since I transit or do groceries much as I live with my parents, so most of my purchases only gain about 0.5% cash back.

I tend to spend my money on activities/entertainment, food ("dining out" more than groceries) as I'm on campus a lot, and subscriptions. I'm looking for a cash back/reward percentage more than 2% if possible with little to no annual fee.

I tried to look into simplii, tangerine, scotiabank, and BMO but I had a hard time weighing out the pros/cons of each ones. super overwhelming.

Please help!! :')

Hello PFC!

So I'm in the market for a new credit card since Wealthsimple removed the 1% cashback from their prepaid MasterCard, my current daily driver. Would y'all be able to recommend a good alternative for me based on my situation? I'm a bit overwhelmed by the available options

Facts:

• I prefer to have one "daily driver" card for everything and at most one other card for recurring payments, for ease of reconciliations (I'm willing to forgo "cardmaxxing" for this)

• I would prefer a no-fee card but if the benefits vastly outweigh the costs, I might be open to it. I'd probably spend something like $500(?) a month, maybe?

• With my credit union: currently have an empty CHQ/SAV and an MC which I use for subscriptions/recurring bills. MC is no-fee with 1% cashback on grocery, gas + sustainable transit, select recurring bills + digital streaming purchases and 0.5% cashback on everything else

• With Simplii Financial: currently have an empty CHQ/SAV, have not yet applied for their Visa CC

• Projected income will likely be somewhere between $55,000-$65,000/year starting January

• Mobile phones are currently on Koodo but not tied to it (if the Rogers MC is a good option). I also currently have our "home" cell phone under Rogers in my name so I'm already considered a Rogers customer.

• I don't plan to own a car for the next few years ideally (although I know how to drive), so unsure how useful the Triangle Rewards MC will be

• I do plan to get a Costco membership shared with my brother when we move out later this year, so their MC could be an option although idk how we'll allocate points

• Too poor to travel for now (╥﹏╥)

Thank you for your help! :)