Best Visa Credit Cards in Canada - November 2026

Best Cards 1st Yr Free Cash Back Travel Groceries Gas & EV

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Scotiabank Passport® Visa Infinite +* Card

Scotia Scene+

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

Features
Issuer: Scotia
Network
Loyalty Program: Scene+

Fees and terms
Annual Fee: $150/yr
Min. annual income: $60,000+

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Rewards: Rate
With the partner brand: 3x
Groceries: 2x
Restaurants: 2x
Transit: 2x
Entertainment: 2x

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RBC Avion Visa Infinite Card

RBC RBC Avion Rewards - Elite

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

Features
Issuer: RBC
Network
Loyalty Program: RBC Avion Rewards - Elite

Fees and terms
Annual Fee: $120/yr
Min. annual income: $60,000+

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Rewards: Rate
Travel: 1.25x

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Scotia Momentum® Visa Infinite +* Card

Scotia Cash BackFirst-Year Annual Fee Rebate

Annual feeNo annual fee the first year: $0 $120
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$200Annual fee rebated$120Total$320Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $320
Welcome offerAfter $2,000 in 3 months: Up to $200 Cash Back; Ends Apr 30, 2027

Features
Issuer: Scotia
Network
Loyalty Program: Cash Back

Fees and terms
Annual Fee: $120/yr
Min. annual income: $60,000+

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Rewards: Rate
Groceries: 4x
Bills & recurring payments: 4x
Telecom: 4x
Gas: 2x
Transit: 2x
Streaming: 2x

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BMO eclipse Visa Infinite* Card

BMO BMO Rewards First-Year Annual Fee Rebate

Annual feeNo annual fee the first year: $0 $120
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$469Annual fee rebated$120Total$589Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $589
Welcome offerAfter $12,000 in 12 months: Up to 70,000 points

Features
Issuer: BMO
Network
Loyalty Program: BMO Rewards

Fees and terms
Annual Fee: $120/yr
Min. annual income: $60,000+

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Rewards: Rate
Transit: 5x
Gas: 5x
Restaurants: 5x
Groceries: 5x

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TD Cash Back Visa Infinite* Card

TD Cash BackFirst-Year Annual Fee Rebate

Annual feeNo annual fee the first year: $0 $139
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$350Annual fee rebated$139Total$489Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $489
Welcome offerAfter $3,500 in 3 months: Up to $350 cash back

Features
Issuer: TD
Network
Loyalty Program: Cash Back

Fees and terms
Annual Fee: $139/yr
Min. annual income: $60,000+

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Rewards: Rate
Bills & recurring payments: 3x
Groceries: 3x
Gas: 3x
Transit: 3x
Streaming: 3x

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