The 5 best credit cards

Hilton Honors American Express Card
Annual fee
$150
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$300Total$300$50 deferred bonus, excluded from the first-year estimate and not counted in this total.Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
$300
Welcome offer+ a Free Night RewardEarn 60,000 Hilton Honors™ Points and a Free Night Reward after spending $3,000 in the first 3 months. Plus, earn 10,000 Points after spending $500 in month 13.
Up to 70,000 points
Ends Jan 11, 2027
Apply Now

on American Express's website

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

Features
Issuer
Amex
Network
Fees and terms
Annual Fee
$150/yr
Min. annual income
—
Read the full review
Rewards
Rate
Hilton hotels
6x
Gas
4x
Groceries
4x
Restaurants
4x
Read the full review
RBC Avion Visa Infinite Card
Annual fee
$120
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$935Total$935$255 deferred bonus, excluded from the first-year estimate and not counted in this total.Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
$935
Welcome offer35,000 points after approval; 20,000 after $5,000 in eligible transactions within 6 months; 15,000 credited 12–16 weeks after the first account anniversary. Eligible account must remain open and in good standing; offer terms and posting times apply.
Up to 70,000 points
Ends Nov 25, 2026
Apply Now

on RBC's website

Features
Issuer
RBC
Network
Fees and terms
Annual Fee
$120/yr
Min. annual income
$60,000+
Read the full review
Rewards
Rate
Travel
1.25x
Read the full review
American Express Platinum Card
Annual fee
$799
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$1,190Annual credit$200Annual credit$200Annual credit$100Total$1,690$510 deferred bonus, excluded from the first-year estimate and not counted in this total.Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
$1,690
Welcome offerAfter $10,000 in 3 months
Up to 100,000 points
Apply Now

on American Express's website

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

Features
Issuer
Amex
Network
Fees and terms
Annual Fee
$799/yr
Min. annual income
—
Read the full review
Rewards
Rate
Travel
2x
Restaurants
2x
Read the full review
Scotiabank Passport® Visa Infinite +* Card
Annual fee
$150
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$450Total$450Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
$450
Welcome offerAfter $10,000 in 6 months
Up to 45,000 points
Ends Jan 3, 2027
Apply Now

on Scotiabank's website

Features
Issuer
Scotia
Network
Program
Scene+
Fees and terms
Annual Fee
$150/yr
Min. annual income
$60,000+
Read the full review
Rewards
Rate
With the partner brand
3x
Groceries
2x
Restaurants
2x
Transit
2x
Entertainment
2x
Read the full review