Canada&#x27;s 8 Best Metal Credit Cards of October 2026

Wealthsimple Visa Infinite Privilege*

Our Rating

4.6/5

If you're a frequent traveler, the Platinum card is an excellent choice. It's highly recommended for its extensive travel benefits, including unlimited lounge access for you and a guest at the American Express Lounge collection, making it the best card for lounge access in Canada. The card also offers unique perks not commonly found with other Canadian cards, such as status upgrades at Marriott Bonvoy and Hilton, dining and travel credits, concierge service, airport benefits, Nexus application reimbursement, and more. These benefits can more than offset the annual fee. However, if you don't travel often or are mainly looking for a card that maximizes rewards, this card may not be the best option for you.

Awards & Recognition

Best Lounge Access Credit Card

2026

Pros & Cons

Pros

Most premium perks
Dining and travel credits
Unlimited airport lounge access
Multiple redemption options
Comprehensive coverage
Luxurious metal card
Instant decision. No credit impact.

Cons

High annual fee
Limited acceptance
Benefit limitations

Card Details

Rewards

2x points per $1 spent on eligible dining & food delivery purchases (restaurant, fast food, coffee shop, food delivery)
2x points per $1 spent on eligible travel purchases (flights, hotels, tours and more)
1x point per $1 spent for all other purchases

Insurance

Coverage

Travel Medical Insurance (64 & under)
15 days
Trip Cancellation
$2,500
Trip Interruption
$2,500
Flight Delay
$1,000
Baggage Delay
$1,000
Hotel Burglary Insurance
$1000
Lost or Stolen Baggage
$1,000
Common Carrier Travel Accident Insurance
$500,000
Car Rental Damage & Theft
Yes
Purchase Protection
120 days
Extended Warranty
1 year

Benefits

Details

Airport Lounge - American Express Global Lounge
Take full advantage of The American Express Global Lounge CollectionTM which unlocks access to over 1,400 airport lounges worldwide. This includes The Centurion® Lounge network, Plaza Premium Lounges, and hundreds of other domestic and international lounges designed to enhance your travel experience. Terms and Conditions apply
Travel Credit
$200
Dining Credit
$200 at Select Restaurants
Nexus Program Rebate
$100 statement credit every 4 years
Complimentary Hotel Benefits
Enjoy complimentary benefits that offer an average value of $550 USD at over 1,600 extraordinary properties worldwide when you book Fine Hotels + Resorts
Status lift
Upgrade to Hilton Honors Gold Status
Status lift
Upgrade to Marriott BonvoyTM Gold Elite status
Priority Travel
At Toronto Pearson Airport get Priority Security lane, Complimentary valet and 15% discount at the Express Park and daily park
Concierge Services
Trip and legal Assistance
American Express® Experiences
Extra points
Earn 2 points on Amex Travel Online purchases and extra points on American Express offers

Eligibility

Credit Score
Good
Annual Income
N/A

Our choice for: Best Premium Cash Back

4.4

on Wealthsimple's website

Have $100K or more at Wealthsimple, or $4,000+/mo direct deposit?

Either one waives the $240/yr card fee

+$240

Welcome Bonus

Get 5% cash back for the first 35 days (1)

First Year Rewards

$300

Based on $2,000/mo spending. Calculate your rewards

Annual Fee

See Rates

Interest Rates

20.99%* / 22.99%*

RECOMMENDED CREDIT SCORE

300

Poor

560

Fair

660⁎

Good

725⁎

Very Good

760⁎

Excellent

⁎Estimates based on Equifax scoring

Wealthsimple Visa Infinite +*

Our Rating

4.4/5

The Wealthsimple Cash Back Visa Infinite Privilege offers a no-FX-fee spending solution with a conditional no-fee setup that earns 2% cash back on all purchases without any limits! It's currently the ONLY Visa Infinite Privilege card with an annual fee that can be completely waived. It also lets you grow your rewards—as you can deposit your cashback whenever you want in a high-interest chequing account. Its simplicity and flexibility make it ideal for many Canadians.

Pros & Cons

Pros

Decent cashback
Annual fee waiver
No foreign transaction fees
Solid insurance
Airport lounge access

Cons

High annual fee
High income requirements

Card Details

Rewards

2% cash back on all eligible purchases, no limits.

Insurance

Coverage

Mobile Device Insurance
$1,000
Purchase Protection
90 days
Extended Warranty
1 year
Travel Medical Insurance (64 & under)^*
14 days up to $2M (under age 65)
Trip Cancellation^*
$1,500/person ($5,000 per trip)
Trip Interruption^*
$1,500/person ($5,000 per trip)
Baggage Delay^*
$1,000 ($1,250 combined with Lost or Stolen Baggage coverage)*
Lost or Stolen Baggage^*
$1,000 ($1,250 combined with Baggage Delay coverage)
Car Rental Damage & Theft^*
31 days, $65K car MSRP

Benefits

Details

No Foreign Transaction Fees^*
Avoid FX fees when you travel abroad
Visa Infinite Exclusive Benefits^*
Airport Lounge - Dragon Pass^*
6 complimentary visits

Eligibility

Credit Score
Good
Annual Income
$150,000 personal or $200,000 household

Our choice for: Best Accessible Cash Back

4.0

on Wealthsimple's website

Have $100K or more at Wealthsimple, or $4,000+/mo direct deposit?

Either one waives the $240/yr card fee

+$240

Welcome Bonus

Get 5% cash back for the first 35 days (1)

First Year Rewards

$300

Based on $2,000/mo spending. Calculate your rewards

Annual Fee

See Rates

Interest Rates

20.99%* / 22.99%*

RECOMMENDED CREDIT SCORE

300

Poor

560

Fair

660⁎

Good

725⁎

Very Good

760⁎

Excellent

⁎Estimates based on Equifax scoring

American Express Gold Rewards Card®

Our Rating

4/5

The Wealthsimple Cash Back Visa Infinite offers a no-FX-fee spending solution with a conditional no-fee setup that earns 2% cash back on all purchases without any limits! It also lets you grow your rewards—as you can deposit your cashback whenever you want in a high-interest chequing account. Its simplicity and flexibility make it ideal for many Canadians.

Pros & Cons

Pros

Decent cashback
Annual fee waiver
No foreign transaction fees
Solid insurance

Cons

High income requirements
High annual fee

Card Details

Rewards

2% cash back on all eligible purchases, no limits.

Insurance

Coverage

Mobile Device Insurance
$1,000
Purchase Protection
90 days
Extended Warranty
1 year
Travel Medical Insurance (64 & under)^*
14 days up to $1M (under age 65)
Trip Cancellation^*
$1,000/person ($3,000 per trip)
Trip Interruption^*
$1,000/person ($3,000 per trip)
Baggage Delay^*
$500 ($1,000 combined with Lost or Stolen Baggage coverage)*
Lost or Stolen Baggage^*
$750 ($1,000 combined with Baggage Delay coverage)*

Benefits

Details

No Foreign Transaction Fees
Avoid FX fees when you travel abroad
Visa Infinite Exclusive Benefits

Eligibility

Credit Score
Good
Annual Income
$80,000 personal or $150,000 household

Our choice for: Best Rewards

4.3

Apply with Confidence: won't impact your credit score

on American Express' website

Welcome Bonus

Earn up to 60,000 Membership Rewards® points

First Year Rewards

$1,426.71

Based on $2,000/mo spending. Calculate your rewards

Annual Fee

$250

Interest Rates

21.99%* / 21.99%*

RECOMMENDED CREDIT SCORE

300

Poor

693

Fair

743⁎

Good

790⁎

Very Good

833⁎

Excellent

⁎Estimates based on TransUnion scoring

American Express® Aeroplan®* Reserve Card

Our Rating

4.3/5

The American Express® Gold Rewards Card is an excellent choice for travelers seeking an entry-level card that offers a strong balance of generous travel benefits without excessive costs. With a relatively low annual fee, this card provides flexibility and a range of perks that make it stand out among other options. It’s ideal for those who want to maximize their travel rewards without being tied to a specific airline or compromising on the benefits offered.

Pros & Cons

Pros

Flexible rewards
Travel perks
Comprehensive insurance
Multiple redemption options
Instant decision. No credit impact.

Cons

High annual fee
Foreign transaction fees
Limited senior travel insurance
Limited acceptance

Card Details

Rewards

2x points per $1 spent on gas, groceries and drugstore purchases
2x points per $1 spent on travel (eligible flights, hotels, tours and more)
1x point per $1 spent on all other eligible purchases

Insurance

Coverage

Travel Medical Insurance (64 & under)
15 days
Trip Cancellation
$1,500 per person, $3,000 combined
Trip Interruption
$1,500 per person, $6,000 combined
Flight Delay
$500
Baggage Delay
$500
Hotel Burglary Insurance
$500
Lost or Stolen Baggage
$500
Common Carrier Travel Accident Insurance
$500,000
Car Rental Damage & Theft
yes
Purchase Protection
90 days
Extended Warranty
Up to 1 year

Benefits

Details

Travel Credit
$100
Nexus Program Rebate
$50 statement credit every 4 years
Airport Lounge - Priority Pass
Pass only. No Complimentary visits!
Airport Lounge - Plaza Premium
4 Free complimentary visits
Complimentary Hotel Benefits
Hotels booked American Express Travel
Status lift
Hertz Gold Plus Rewards® loyalty program
American Express® Experiences
Extra points
Earn 2 points on Amex Travel Online purchases and extra points on American Express offers

Eligibility

Credit Score
Good
Annual Income
N/A

Our choice for: Best Metal Aeroplan Credit Card

4.7

Exclusive · From FinlyWealth$150 rebate

Apply with Confidence: won't impact your credit score

on American Express' website

Welcome Bonus

Earn up to 85,000 Aeroplan points.

Rewards Rate

1.25x - 3x

Points

Annual Fee

See Rates

Interest Rates

21.99%* / 21.99%*

RECOMMENDED CREDIT SCORE

300

Poor

693

Fair

743⁎

Good

790⁎

Very Good

833⁎

Excellent

⁎Estimates based on TransUnion scoring

CIBC Aeroplan® Visa Infinite Privilege* Card

Our Rating

4.7/5

If you are a frequent Air Canada traveler, having an Aeroplan card for perks like free checked bags and priority service can be very beneficial. Many financial institutions offer Aeroplan cards, but we don't believe the American Express version is the best one. Opting for another option might be better. However, the Amex card does have a very large sign-up bonus, making it a great choice for those specifically seeking that.

Pros & Cons

Pros

Generous rewards rate
Free checked bags
Preferred flight pricing
Unlimited airport lounge access
Extensive coverage
Instant decision. No credit impact.

Cons

Limited acceptance
Limited loyalty rewards
High annual fee
Limited lounge brand access

Card Details

Rewards

3x Aeroplan^® points per $1 spent on eligible Air Canada^® and Air Canada Vacations^® purchases
2x Aeroplan^® points per $1 spent on eligible dining & food delivery purchases
1.25x Aeroplan^® points per $1 spent on all other purchases

Insurance

Coverage

Travel Medical Insurance (64 & under)
15 days
Trip Cancellation
$1,500/person, $3,000/trip
Trip Interruption
$1,500/person, $6,000/trip
Flight Delay
$1,000/person after 4 hours
Baggage Delay
$1,000/person after 6 hours
Lost or Stolen Baggage
$1,000
Common Carrier Travel Accident Insurance
$500,000
Car Rental Damage & Theft
48 days
Hotel Burglary Insurance
$1,000
Purchase Protection
90 days
Extended Warranty
1 year

Benefits

Details

Free first checked bag
First checked bag is free for primary cardholder on Air Canada branded flight and up to 8 guests
Nexus Program Rebate
$100 every 4 years
Amex Experiences™
Amex Experiences™ opens doors for you to access a number of special events, including special dining experiences, VIP parties, advance film screenings and more
Extra points
Earn points twice at over 150 Aeroplan partner brands and over 170 online retailers through the Aeroplan eStore
Status lift
Complimentary upgrade to Avis® President's Club
Status lift
Get a 10% Head Start. Starting in 2027, eligible Basic Cardmembers with Aeroplan EliteTM* Status will receive a 10% head start toward qualification, based on Status Qualifying Credits (SQC) accumulated the year before. Roll over any unallocated unused eUpgrade Credits to the following year to enjoy during your travels
Status lift
Primary Cardholders who also hold Aeroplan Elite Status will benefit from an extra 12 months to use eUpgrade credits, for a total of 24 months from issuance.
Priority Travel
At Toronto Pearson airport get benefits such as Priority Security lane, Complimentary valet, premium parking spots, priorioty taxi and limo lane and discount for parking and car care.
Priority Travel
Get Priority Check-in, Priority Boarding and Priority Baggage Handling, Priority Airport Standby & Priority Airport Upgrades for you, your authorized users and up to 8 companions on the same flight (Only AirCanada)
Airport Lounge - Priority Pass
Pass only. No Complimentary visits!
Airport Lounge - Maple Leaf and AirCanada Cafes
Unlimited Access for you and one guest
Companion Voucher
Annual Worldwide Companion Pass from $99 to a max of $599 After spending $25,000 on your card
Free Extra Night at Hotels
Cardmembers can now get an extra night free for every 3 hotel nights redeemed with Aeroplan points. Enjoy even more at over 300,000 hotel properties worldwide

Eligibility

Credit Score
Good
Annual Income
N/A

Our choice for: Best Metal Aeroplan Credit Card for Coverage

3.2

on CIBC's website

Welcome Bonus

Up to 100,000 Aeroplan® points

First Year Rewards

$957.71

Based on $2,000/mo spending. Calculate your rewards

Annual Fee

$599

Interest Rates

20.99% / 22.99%□

RECOMMENDED CREDIT SCORE

300

Poor

560

Fair

660

Good

725⁎

Very Good

760⁎

Excellent

⁎Estimates based on Equifax scoring

TD® Aeroplan® Visa Infinite Privilege* Credit Card

Our Rating

3.2/5

The CIBC Aeroplan Visa Infinite Privilege Card is ideal for frequent Air Canada flyers who want to maximize their Aeroplan points and enjoy premium travel perks. With 2 points per $1 spent on Air Canada purchases and free checked baggage on every flight, this card offers significant value for those who travel often. Additionally, the extensive travel insurance and unlimited Maple Leaf lounge access make it a solid choice for high-income individuals looking for convenience and protection during their travels. However, the high annual fee and income requirements mean it's best suited for those who can take full advantage of its Air Canada-specific benefits.

Pros & Cons

Pros

Solid optimization
Air Canada perks
Unlimited airport lounge access
Comprehensive insurance

Cons

High annual fee
High income requirements
Limited reward value

Card Details

Rewards

2 Aeroplan® points per $1 spent on Air Canada and Air Canada Vacations if they are in the first $100k transactions of the year
1.5 Aeroplan® points per $1 spent on gas, groceries, travel and dining if they are in the first $100k transactions of the year
1.25 Aeroplan® point per $1 spent on all other purchases

Insurance

Coverage

Common Carrier Travel Accident Insurance
$500,000
Travel Medical Insurance (64 & under)
31 days
Travel Medical Insurance (65 to 75)
10 days
Flight Delay
$1,000
Baggage Delay
$1,000
Trip Cancellation
$2,500
Trip Interruption
$5,000
Lost or Stolen Baggage
$1,000
Hotel Burglary Insurance
$2,500
Purchase Protection
180 days
Extended Warranty
Up to 2 years
Car Rental Damage & Theft
yes
Mobile Device Insurance
$1,500

Benefits

Details

Airport Lounge - Maple Leaf and AirCanada Cafes
Access select Maple Leaf Lounges™ and Air Canada Cafés™, plus get 6 complimentary lounge visits per year per cardholder through Visa Airport Companion Program
Gas Discount
save up to 10¢/L on fuel at participating Pioneer, Fas Gas, Ultramar and Chevron gas stations
Car Rental Discount
Get up to 25% off auto rentals at participating Avis and Budget locations worldwide.
Visa Infinite Exclusive Benefits
Exclusive offers
Status lift
Reach Aeroplan Elite™ Status sooner by earning Status Qualifying Miles and Status Qualifying Segments with purchases made on your account
Status lift
Complimentary upgrade to Avis® President's Club
Companion Voucher
Receive an Annual Worldwide Companion Pass from $99 to a max of $599 (plus taxes, fees, charges and surcharges) when you spend $25,000 on your card
Priority Travel
Priority Check-in, Priority Boarding and Priority Baggage Handling for you, your authorized users and up to 8 companions on the same flight
Free first checked bag
Enjoy a free first checked bag for you, authorized users and up to 8 companions every time you fly with Air Canada

Eligibility

Credit Score
Very Good
Annual Income
$150,000 personal or $200,000 household

Our choice for: Best Metal Aeroplan Credit Card for Perks

4.3

on TD's website

Welcome Bonus

Up to $3,300 in value† including up to 100,000 Aeroplan points† could be yours. Conditions Apply.

First Year Rewards

$326.15

Based on $2,000/mo spending. Calculate your rewards

Annual Fee

$599

Interest Rates

21.99% / 22.99%□

RECOMMENDED CREDIT SCORE

300

Poor

560

Fair

660⁎

Good

725⁎

Very Good

760⁎

Excellent

⁎Estimates based on Equifax scoring

Business Platinum Card® from American Express

Our Rating

4.3/5

If you travel a lot throughout the year with Air Canada, the benefits of this card can significantly enhance your experience. It can help you achieve the next status level with Aeroplan and provide a better airport experience, therefore it can be worth the price tag. However, if you don't frequently fly with Air Canada, the benefits may not justify the card's expensive price tag.

Pros & Cons

Pros

Elite Air Canada experience
High insurance coverage
Luxury perks
Generous intro offer

Cons

Low reward rates
Limited airline flexibility
High annual fee
Limiting airport lounge brand

Card Details

Rewards

Earn 2 points^†for every $1 spent on eligible purchases made direct through Air Canada^® purchases (including Air Canada Vacations^®)
Earn 1.5 points† for every $1 you charge to your Card on eligible gas, electric vehicle charging, groceries, travel & transit and dining purchases.
Earn 1.25 points^†for every $1 spent on all other purchases made with your Card
Earn points twice when you pay with your Card and provide your Aeroplan number at over 150 Aeroplan partner brands and at 200+ online retailers via the Aeroplan eStore (www.aeroplan.com/estore).
Earn more at Starbucks: Link your eligible Card to earn 50% more Aeroplan points plus more Starbucks Stars. Redeem points for even more Stars. Conditions apply.

Insurance

Coverage

Travel Medical Insurance (64 & under)^†
31 days
Travel Medical Insurance (65 to 75)^†
4 days
Trip Cancellation^†
$2,500/person, $5,000/trip
Trip Interruption^†
$5,000/person, $25,000/trip
Flight Delay^†
$1,000/person after 4 hours
Baggage Delay^†
$1,000/person after 4 hours
Lost or Stolen Baggage^†
$2,500/person
Common Carrier Travel Accident Insurance^†
$500,000
Car Rental Damage & Theft^†
48 days
Hotel Burglary Insurance^†
$2,500
Purchase Protection^†
120 days
Extended Warranty^†
2 years
Mobile Device Insurance^†
$1,500

Benefits

Details

Free first checked bag^†
First checked bag is free for primary cardholder on AirCanada flight and up to 8 guests
Nexus Program Rebate^†
up to $100 every 4 years
Visa Infinite Exclusive Benefits^†
Concierge Services^†
Golf Benefit^†
Troon Rewards Golf benefits like discounts at over 95 resorts and courses around the world plus access to select private clubs across the U.S
Extra points^†
Link your eligible Card to earn 50% more Aeroplan points plus more Starbucks Stars. Redeem points for even more Stars. Conditions apply.  
Extra points^†
Earn points twice at over 150 Aeroplan partner brands and over 200 online retailers through the Aeroplan eStore
Status lift^†
Reach Aeroplan Elite™ Status sooner by earning 1,000 Status Qualifying Miles and one (1) Status Qualifying Segment for every $5,000 of net purchases
Car Rental Discount^†
10% off base rate of Avis Rent A Car and Budget Rent A Car
Trip and legal Assistance^†
Extra points^†
Earn 2 Aeroplan points for every $1 you spend on eligible purchases with Rocky Mountaineer, Plus, cardholders could receive a GoldLeaf Upgrade, and a hotel room upgrade
Status lift^†
Complimentary upgrade to Avis® President's Club
Status lift^†
Primary Cardholders who also hold Aeroplan Elite Status can roll over up to 200,000 Status Qualifying Miles (SQM) beyond the status level for which they’ve qualified, from the prior qualification year to qualify for status the next year.
Status lift^†
Primary Cardholders who also hold Aeroplan Elite Status will benefit from an extra 12 months to use eUpgrade credits, for a total of 24 months from issuance.
Status lift^†
Diamond Status with Visa RSVP Rewards™ Benefit. Benefits at 60+ participating Sandman, Sandman Signature and Sutton Place Hotels from coast-to-coast in Canada and beyond.
Priority Travel^†
At Toronto, Vancouver, Ottawa and Montreal airports get benefits such as Priority Security lane, Complimentary valet, premium parking spots, priorioty taxi and limo lane and discount for parking.
Priority Travel^†
Get Priority Check-in, Priority Boarding and Priority Baggage Handling, Priority Airport Standby & Priority Airport Upgrades for you, your authorized users and up to 8 companions on the same flight (Only AirCanada)
Airport Lounge - Dragon Pass^†
6 Free complimentary visits
Airport Lounge - Maple Leaf and AirCanada Cafes^†
Unlimited Access for you and one guest
Companion Voucher^†
Annual Worldwide Companion Pass from $99 to a max of $599 After spending $25,000 on your card

Eligibility

Credit Score
Good
Annual Income
$150,000 personal or $200,000 household

Our choice for: Best Metal Credit Card for Business

Business Platinum Card® from American Express

4.6

Exclusive · From FinlyWealth$175 rebate

on American Express' website

Welcome Bonus

Earn up to 120,000 bonus Membership Rewards® points

Rewards Rate

1.25x

Points

Annual Fee

$799

Interest Rates

21.99% - 30%* / 21.99% - 30%*

RECOMMENDED CREDIT SCORE

300

Poor

693

Fair

743⁎

Good

790⁎

Very Good

833⁎

Excellent

⁎Estimates based on TransUnion scoring

CIBC Aventura® Visa Infinite Privilege* Card

Our Rating

4.6/5

The most premium business card in Canada, and priced accordingly at $799/year. You get 1.25x Membership Rewards points on everything, a massive welcome bonus of up to 120,000 points, and a deep roster of perks: airport lounge access, hotel elite status, statement credits, and comprehensive insurance. The value proposition only works if you travel frequently and use the perks — the earn rate alone doesn’t justify the fee. But for businesses that fly often, entertain clients, and want best-in-class coverage, the benefits can far exceed the cost. Amex acceptance gaps in Canada remain a consideration.

Pros & Cons

Pros

Optimize all purchases
Premium travel perks
Comprehensive insurance
Interest grace period
Business statement credits

Cons

High annual fee
Limited acceptance

Card Details

Rewards

1.25x points per $1 spent on all purchases

Insurance

Coverage

Common Carrier Travel Accident Insurance
$500,000
Travel Medical Insurance (64 & under)
15 days
Flight Delay
$1,000
Baggage Delay
$1,000
Lost or Stolen Baggage
$1,000
Hotel Burglary Insurance
$1,000
Trip Cancellation
$1,500
Trip Interruption
$1,500
Mobile Device Insurance
$1,500
Car Rental Damage & Theft
Yes
Extended Warranty
1 year
Purchase Protection
90 days

Benefits

Details

Airport Lounge - American Express Global Lounge
Take full advantage of the American Express Global Lounge CollectionTM which unlocks access to over 1400 airport lounges worldwide. This includes The Centurion® Lounge network, Plaza Premium Lounges, and hundreds of other domestic and international lounges designed to enhance your travel experience. Terms and Conditions apply.
Status lift
Earn Marriott Bonvoy Gold Elite status by spending $30,000 or staying 10 nights combined with 15 Elite Night Credits. Status retention depends on Marriott Bonvoy terms.
Free Extra Night at Hotels
Each year, 8-10 weeks after your anniversary, receive a Free Night Award for a Marriott Bonvoy room up to 35,000 points, valid for 1 year. Resort fees excluded.
Interest on Balance
Up to 55 interest-free days
Nexus Program Rebate
Access a $100 credit for NEXUS with your Cardmembership
Concierge Services
Personalized concierge at your service
Discount
Your Business Platinum Card gets you savings on the seats you really want and lower fares on premium tickets with participating airlines
American Express® Experiences
Access Front Of The Line® Presale & Reserved Tickets to some of your favourite concerts, theatre shows, and special offers with American Express® Experiences
Priority Travel
At Toronto Pearson Airport get Priority Security lane, Complimentary valet and 15% discount at the Express Park and daily park
Travel Credit
Access a $200 Annual Travel Credit each year of your Cardmembership
Wireless Credit
Up to $120 in statement credits each year. Spend $10 each month with eligible wireless providers month and get a $10 credit.
Business Statement Credits
Up to $500 in business statement credits. Enroll and earn statement credits on eligible purchases with $200 Dell statement credit, $300 Indeed statement credit.
Complimentary Hotel Benefits
Enjoy Fine Hotels + Resorts benefits at over 1,600 properties worldwide like guaranteed late check-out, complimentary breakfast for two, and more with Business Platinum.

Eligibility

Credit Score
Good
Annual Income
N/A

Our choice for: Honourable Mention

3.0

on CIBC's website

Welcome Bonus

Up to 80,000 Aventura points

First Year Rewards

$379.72

Based on $2,000/mo spending. Calculate your rewards

Annual Fee

$499

Interest Rates

20.99% / 22.99%□

RECOMMENDED CREDIT SCORE

300

Poor

560

Fair

660

Good

725⁎

Very Good

760⁎

Excellent

⁎Estimates based on Equifax scoring