12 Best Visa Credit Cards in Canada for 2026
Published Oct 16, 2026 4:19 PM • 7 min read
Looking for your next Visa credit card? Lucky for you, we’ve gathered all the top Visa contenders in multiple categories for every type of cardholder. Whether you’re budget-conscious, constantly catching the travel bug, or searching for the best offers for rewards on everyday essentials, there’s a Visa card for you.
Data-driven rankings of 120+ credit cards using a proprietary algorithm
Comprehensive analysis using 25+ data points including terms and conditions, points programs, and more
Objective editorial approach - we strive for unbiased reviews following our editorial guidelines
FinlyWealth's credit cards content, including rankings and recommendations, is overseen by a team of engineers and writers who specialize in credit cards, banking, and personal finance. Our work has been featured in The Globe and Mail, GoBankingRates, and AOL. Our proprietary analysis systems evaluate product features, terms, and conditions to deliver comprehensive reviews and comparisons while maintaining strict editorial standards for accuracy and integrity.
Best Visa Credit Cards in Canada
Our choice for: Best Overall
on Scotiabank's website
Welcome Bonus
Earn 15% Cash Back on all purchases for the first 3 months, a 0% introductory interest rate on balance transfers, and no annual card fees in the first year
Annual Fee
$120 $0
Interest Rates
20.99% / 22.99%
RECOMMENDED CREDIT SCORE
4.6/5
The 4% cashback offered on groceries and recurring purchases is the highest among all other credit cards. With the first year's annual fee waived, and with the right transactions used on this credit card, a high amount of cashback could be earned.
Pros
- High grocery optimization
- High recurring payment optimization
- High insurance coverage
- First-year fee rebate
- Car rental discounts
Cons
- Low base earn rate
- Income requirements
Rewards
- 4% for every $1 you spend on grocery store purchases, recurring bill payments and subscription purchases
- 2% for every $1 you spend on gas and daily transit purchases
- New 2% Cash Back earn category: You will earn 2% on all eligible purchases of Food Delivery4
- 1% cash back on all other purchases with no cashback limit
- New Cash Back Anytime feature: Redeem your cash back that you’ve earned whenever you need it, through the Scotia app or Scotia Online ($25.00 minimum redemption)¹
- Rates, fees and other information are effective as of July 2, 2026. Subject to change.
Insurance
Coverage
Mobile Device Insurance
$1,000
Common Carrier Travel Accident Insurance
$500,000
Travel Medical Insurance (64 & under)
15 days
Trip Interruption
$2,000
Trip Cancellation
$1,500
Flight Delay
$500
Lost or Stolen Baggage
$500Baggage Delay
$500.svg)
Car Rental Damage & Theft
48 days
Purchase Protection
90 days
Extended Warranty
1 year
Benefits
Details
Car Rental Discount
25% off base rate of Avis Rent A Car and Budget Rent A Car
Discount11
Yearly GigSky 1GB/15-Day plan, 20% off future purchases, and 10GB of global data for 15 days with Travel Essentials
Visa Infinite Exclusive Benefits
Yes.svg)
Gas Discount12
Get up to 7¢/L in value on fuel purchases at Shell stations
Eligibility
Credit Score
GoodAnnual Income
$60,000 personal or $100,000 household
Our choice for: Best Low Interest
on RBC's website
Welcome Bonus
Enjoy a 0.99% introductory interest rate for the first 10 months on balance transfers^ and no annual fee for the first year*. Apply by November 4 2026.
Rewards Rate
N/A
Annual Fee
$20 $0
Interest Rates
12.99% / 14.99%
RECOMMENDED CREDIT SCORE
4.8/5
A low-interest credit card in case you want to carry a balance every month. This card provides no rewards on purchases, however comes with a relatively lower interest rate compared to many other credit cards, so if you're unable to pay your balance in full every month, this card will save you a lot of money in interest payments.
Awards & Recognition
Best Low Interest Credit Card
2026
Pros
- Low annual fee
- Lower interest rates
- Low interest welcome bonus
- first-year fee rebate
Cons
- No rewards
Rewards
- Get a low, fixed annual interest rate of 12.99% on purchases and 14.99% on cash advances including balance transfers1.
- Your RBC Visa Classic Low Rate Option card includes purchase security and extended warranty insurance coverage4.
- Get special partner offers from brands like Petro Canada, Rexall and DoorDash.
Insurance
Coverage
Purchase Protection
90 daysExtended Warranty
Doubled Up to 1 year
Benefits
Details
Extra points
50 Be Well points for every $1 spent on eligible products at RexallGas Discount
save 3¢/L on fuel and always earn 20% more Petro-Points at Petro-Canada and 20% more Avion points at Petro-CanadaDiscount
Get a 6-month complimentary DashPass subscription — a value of almost $60. Plus, enjoy unlimited deliveries when $0 delivery fees on orders of $15 or more when you pay with your eligible RBC credit card.
Eligibility
Credit Score
GoodAnnual Income
N/A
Our choice for: Best Dining Cashback
on Simplii Financial™'s website
Welcome Bonus
20% cashback† up to $500 in spending
Annual Fee
$0
Interest Rates
20.99%* / 22.99%*
RECOMMENDED CREDIT SCORE
4.3/5
If you dine out a lot and don't want to pay an annual fee for your credit card, the Simplii Financial™ Cash Back Visa* Card will undoubtedly be one of your best friends with its 4% cashback. Additionally, the card offers a decent cashback rate (1.5%) for gas, pharmacy, and groceries, making it one of the best no-annual-fee cashback credit cards in Canada. However, there are limits on how much you can earn in these categories. Therefore, you need to be careful not to exceed those limits; otherwise, your cashback rate will drop to 0.5% after those spending limits are reached.
Awards & Recognition
Best Dining Cash Back Credit Card
2026
Pros
- High restaurant optimization
- Decent cashback rates
- No annual fee
Cons
- Basic insurance
- No benefits
- Capped rewards
Rewards
- 4% cash back on eligible restaurant, bar, and coffee shop purchases up to $5,000 spent per year†
- 1.5% cash back on gas, groceries, drugstore, and pre-authorized payments up to $15,000 spent per year†
- 0.5% cashback on all other purchases†
Insurance
Coverage
Purchase Protection
Up to 90 daysExtended Warranty
Up to 1 year
Eligibility
Credit Score
GoodAnnual Income
$15,000 household
Our choice for: Best Aeroplan
on TD's website
Welcome Bonus
Up to $1,550 in value† including up to 50,000 Aeroplan points† and a first-year Annual Fee rebate.
Annual Fee
$139 $0
Interest Rates
21.99% / 22.99%□
RECOMMENDED CREDIT SCORE
4.5/5
The TD® Aeroplan® Visa Infinite Card* is an excellent choice for frequent Air Canada travelers looking to maximize their rewards with Aeroplan points. With perks like free checked bags, Preferred Pricing, and a first-year fee rebate, it’s ideal for users who value Air Canada-specific benefits. However, the card’s high income requirement and limited non-Air Canada redemption options may not appeal to everyone.
Awards & Recognition
Best Aeroplan Credit Card
2026
Pros
- Decent rewards
- First-year fee rebate
- Comprehensive insurance
- Impressive travel perks
Cons
- Relatively lower reward rates
- Limited airline loyalty
- Annual fee
- Income requirements
Rewards
- Earn 1.5 points† for every $1 spent on eligible gas, electric vehicle charging, grocery and direct through Air Canada® purchases (including Air Canada Vacations®) made with your Card.
- Earn 1 point† 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).
- Your Aeroplan Points do not expire as long as you are a TD® Aeroplan® Visa Infinite* Cardholder in good standing.
- Earn more at Starbucks: Link your eligible Card to earn more Starbucks Stars at participating Starbucks stores. Conditions apply.
Insurance
Coverage
Travel Medical Insurance (64 & under)†
21 daysTravel Medical Insurance (65 to 75)†
4 daysTrip Cancellation†
$1,500Trip Interruption†
$5,000Flight Delay†
$500Baggage Delay†
$1,000Lost or Stolen Baggage†
$1,000Common Carrier Travel Accident Insurance†
$500,000Car Rental Damage & Theft†
yes
Hotel Burglary Insurance†
$2,500Purchase Protection†
90 daysExtended Warranty†
1 yearMobile Device Insurance†
$1,000
Benefits
Details
.svg)
Free first checked bag†
First checked bag is free for primary cardholder on Aircanada flights and up to 8 guests
Nexus Program Rebate†
$100 every 4 yearsVisa Infinite Exclusive Benefits†
.svg)
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.SExtra points†
Link your eligible Card to earn more Starbucks Stars at participating Starbucks stores. Conditions apply.Extra points†
Earn points twice at over 150 Aeroplan partner brands and over 200 online retailers through the Aeroplan eStore.svg)
Status lift†
Reach Aeroplan Elite™ Status sooner by earning 1,000 Status Qualifying Miles and one (1) Status Qualifying Segment for every $10,000 of net purchasesCar Rental Discount†
10% off base rate of Avis Rent A Car and Budget Rent A Car
Trip and legal Assistance†
Eligibility
Credit Score
GoodAnnual Income
$60,000 personal or $100,000 household
Our choice for: Best Flat Rate Cashback
on Wealthsimple's website
Wealthsimple Premium client, or $4,000+/mo direct deposit?
Either one waives the $240/yr card fee (Premium = $100k+ in assets)
Welcome Bonus
Get 5% cash back for the first 30 days (1)
Annual Fee
See Rates
Interest Rates
20.99%* / 22.99%*
RECOMMENDED CREDIT SCORE
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
- Decent cashback
- No premium client annual fee
- No foreign transaction fees
- Solid insurance
- Airport lounge access
Cons
- High annual fee
- High income requirements
Rewards
- 2% cash back on all eligible purchases, no limits.
Insurance
Coverage
Mobile Device Insurance
$1,000Purchase Protection
90 daysExtended Warranty
1 yearTravel 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 abroadVisa Infinite Exclusive Benefits*
Airport Lounge - Dragon Pass*
6 complimentary visits
Eligibility
Credit Score
GoodAnnual Income
$150,000 personal or $200,000 household
Our choice for: Best Overall Travel
on Scotiabank's website
Welcome Bonus
Earn up to $1,250 in value, including up to 35,000 bonus Scene+ points
Annual Fee
$150
Interest Rates
20.99% / 22.99%
RECOMMENDED CREDIT SCORE
4.8/5
The Scotiabank Passport Visa Infinite + is a strong choice for frequent travelers, especially those who value flexibility and premium perks. It stands out with its rare benefit of no foreign transaction fees, making international purchases more cost-effective. Additionally, the card offers a valuable blend of travel perks, including airport lounge access, comprehensive insurance coverage, and flexible rewards, making it an ideal companion for those who frequently travel abroad and want to avoid extra fees while enjoying premium benefits.
Awards & Recognition
Best Travel Credit Card
2026
Pros
- High rewards
- No foreign transaction fees
- Airport lounge access
- Shell Fuel Savings
- Comprehensive insurance
- Generous intro offer
Cons
- High income requirements
- High annual fee
Rewards
- Earn 3x Scene+™ points on every $1 you spend at Sobeys, Safeway, IGA, Foodland and participating Co-ops and more†
- Earn 2x Scene+™ points for every $1 you spend on other eligible grocery stores, dining, eligible entertainment purchases and eligible daily transit options (including rideshares, buses, subways taxis and more)†
- Plus earn 1 Scene+™ point for every $1 spent on all other eligible everyday purchases†
- Earn additional benefits + up to 4x Scene+ points for every dollar you spend on hotel bookings, car rentals, and things to do with Scene+ Travel, Powered by Expedia†
Insurance
Coverage
Travel Medical Insurance (64 & under)
$2M/insured up to 25 daysTravel Medical Insurance (65 to 75)
$2M/insured up to 3 daysTrip Cancellation
$1,500/person, $10,000/tripTrip Interruption
$2,500/person, $10,000/tripFlight Delay
$500/person after 4 hoursLost or Stolen Baggage
$1,000Baggage Delay
$1,000Common Carrier Travel Accident Insurance
$500,000/insured, $1M combinedCar Rental Damage & Theft
$65,000 up to 48 daysHotel Burglary Insurance
$1,000Purchase Protection
90 daysExtended Warranty
1 year
Benefits
Details
No Foreign Transaction Fees
Avoid the usual 2.5% forex fees on your purchases when you travel outside of CanadaAirport Lounge - Dragon Pass
6 Free complimentary visitsGas Discount2
Get up to 10¢/L in value on fuel purchases at Shell stationsStatus lift
Avis® Preferred Plus membershipConcierge Services
Discount**
Yearly GigSky 1GB/15-Day plan, 20% off future purchases, and 10GB of global data for 15 days with Travel EssentialsVisa Infinite Exclusive Benefits
Eligibility
Credit Score
GoodAnnual Income
$60,000 personal or $100,000 household
Our choice for: Best Expedia for TD
on TD's website
Welcome Bonus
Earn up to $1,400 in value†, including up to 160,000 TD Rewards Points† and receive an Annual Fee rebate for the first year†.
Annual Fee
$139 $0
Interest Rates
21.99% / 22.99%□
RECOMMENDED CREDIT SCORE
4.7/5
The TD First Class Travel Visa Infinite Card is an excellent option for frequent travelers who book through Expedia For TD and want to maximize rewards on travel purchases. The high welcome bonus and extensive insurance coverage make this card stand out. However, the high income requirements and limited value of TD points may not make it the best fit for everyone.
Pros
- High rewards
- First-year fee rebate
- Extensive insurance
- Annual travel credit
Cons
- High income requirements
- Low point value
- Potentially week booking portal
Rewards
- Earn 8 TD Rewards Points† for every $1 you spend when you book travel through Expedia® For TD†
- Earn 6 TD Rewards Points† for every $1 you spend on Groceries, Dining, and Public Transit†
- Earn 4 TD Rewards Points† for every $1 you spend on Recurring Bill Payments and Streaming, Digital Gaming & Media†
- Earn 2 TD Rewards Points For every $1 you spend on other Purchases made using your Card† plus earn an annual Birthday Bonus† of up to 10,000 TD Rewards Points
- Earn more at Starbucks: Link your eligible Card to earn 50% more TD Rewards Points plus more Starbucks Stars. Redeem points for even more Stars. Conditions apply.
Insurance
Coverage
Travel Medical Insurance (64 & under)†
21 daysTravel Medical Insurance (65 to 75)†
4 daysTrip Cancellation†
$1,500Trip Interruption†
$5,000Flight Delay†
$500Baggage Delay†
$1,000Lost or Stolen Baggage†
$1,000Common Carrier Travel Accident Insurance†
$500,000Car Rental Damage & Theft†
yesHotel Burglary Insurance†
$2,500Purchase Protection†
90 daysExtended Warranty†
Up to 1 yearMobile Device Insurance†
$1,000
Benefits
Details
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.SExtra points†
Link your eligible Card to earn 50% more TD Rewards Points plus more Starbucks Stars. Redeem points for even more Stars. Conditions apply.
Annual Birthday Bonus†
Earn a Birthday Bonus of up to 10,000 TD Rewards PointsCar Rental Discount†
10% off base rate of Avis Rent A Car and Budget Rent A Car.svg)
Travel Credit†
Get an annual TD Travel Credit of $100 when you book at Expedia For TDAirport Lounge - Dragon Pass†
Enjoy your time at the airport with global airport lounge access and 4 complimentary lounge visits with Visa Airport Companion Program
Eligibility
Credit Score
GoodAnnual Income
$60,000 personal or $100,000 household
Our choice for: Best Avion
on RBC's website
Welcome Bonus
Get up to 70,000 Avion points(1)
Annual Fee
$120
Interest Rates
20.99% / 22.99%□
RECOMMENDED CREDIT SCORE
4.4/5
The RBC Avion Visa Infinite is ideal for frequent travelers who want flexibility and value. It comes with a strong welcome bonus, earns 1–1.25 points per dollar on all purchases, and lets you redeem with no blackout dates on any airline or transfer to partners like British Airways Avios for outsized value. Add in comprehensive travel insurance, everyday perks like Petro-Canada and DoorDash savings, and you’ve got a well-rounded card that delivers consistent rewards and protection for a competitive annual fee.
Pros
- Potential high point value
- Comprehensive coverage
- Petro Canada perks
- Car rental discounts
- Concierge services
- DoorDash deals
Cons
- Low base earn rate
- Limited high redemptions
- High income requirement
- Annual fee
Rewards
- Earn 1.25 Avion points on travel related purchases including flights, hotels, car rentals, and more12
- Earn 1 Avion point on your everyday purchases2
Insurance
Coverage
Purchase Protection7
90 daysExtended Warranty7
1 yearMobile Device Insurance7
$1,500Common Carrier Travel Accident Insurance7
$500,000Travel Medical Insurance (64 & under)7
15 daysTravel Medical Insurance (65 to 75)7
3 daysTrip Interruption7
$5,000Trip Cancellation7
$1,500Hotel Burglary Insurance7
$2,500Baggage Delay7
$500Lost or Stolen Baggage7
$500Flight Delay7
$500Car Rental Damage & Theft7
yes
Benefits
Details
Gas Discount
save 3¢/L on fuel(4) and earn 20% more Petro-Points(5) and Avion points(6) at Petro-CanadaCar Rental Discount
Get up to 20% off at Hertz(10)Extra points
50 Be Well points for every $1 spent on eligible products at Rexall(13)Concierge Services
Discount
Add your credit card to your DoorDash account and get a free 12-month DashPass subscription(16)
Eligibility
Credit Score
GoodAnnual Income
$60,000 personal or $100,000 household
Our choice for: Best Affordable Avion
on RBC's website
Welcome Bonus
Get up to 28,000 Avion points^ - that's up to $200 of value in gift cards†!
Annual Fee
$48
Interest Rates
20.99% / 22.99%□
RECOMMENDED CREDIT SCORE
4.5/5
The RBC Ion+ Visa delivers exceptional value for its modest $48 annual fee, offering an impressive 3x Avion points on a comprehensive range of everyday spending categories including groceries, dining, gas, streaming, and transit. What makes this card particularly appealing is its standout mobile device insurance coverage up to $1,000 for two years, plus the fee waiver for students with qualifying RBC accounts. While the card earns Avion Premium points, they can be converted 1:1 to the more valuable Avion Elite points when paired with an eligible RBC Avion card, unlocking premium travel redemptions and airline transfers, making this one of the best low-cost rewards cards available in Canada.
Pros
- Petro Canada perks
- Generous welcome bonus
- Solid optimization
- Mobile device insurance(3)
Cons
- Weaker ION tier
- Limited insurance
Rewards
- Earn 3X Avion points for every $1 spent on groceries, gas, dining, food delivery, rideshare, streaming services and more1
- Earn 1X Avion point for every $1 spent on all other qualifying purchases1
Insurance
Coverage
Purchase Protection3
90 daysExtended Warranty3
Up to a yearMobile Device Insurance3
$1,000
Benefits
Details
Gas Discount
Save 3¢/L on fuel and earn 20% more Petro-Points and Avion points when you pay with an eligible linked RBC card(4)Extra points
50 Be Well™ points on every $1 spent on eligible purchases at Rexall(5)Discount
Add your credit card to your DoorDash account and get a 6-month complimentary DashPass subscription(6)Extra points
Earn 1 extra Moi point for every $2 spent at participating Moi Rewards stores (minimum purchase required)(8)
Eligibility
Credit Score
GoodAnnual Income
N/A
Our choice for: Best Premium Avion
on RBC's website
Welcome Bonus
Get up to 100,000 Avion points(1)
Annual Fee
$399
Interest Rates
20.99% / 22.99%□
RECOMMENDED CREDIT SCORE
4.4/5
The RBC Avion Visa Infinite Privilege is an excellent choice for frequent travelers who want premium travel perks and high-value rewards. The welcome bonus, insurance coverage, and airport benefits offer significant value for those who qualify. However, the high annual fee and income requirements may limit its accessibility, and the reward rate outside of the travel chart is less competitive.
Pros
- High value travel points
- Extensive Coverage
- Airport perks
- Flexible rewards
- Airport lounge access
Cons
- Higher annual fee
- High income requirements
- Relatively lower rewards
- Limited redemption options
Rewards
- 1.25x Avion points per $1 spent on all eligible purchases
Insurance
Coverage
Purchase Protection12
120 daysExtended Warranty12
Up to 2 yearsMobile Device Insurance12
$1,500Common Carrier Travel Accident Insurance12
$500,000Travel Medical Insurance (64 & under)12
31 daysTravel Medical Insurance (65 to 75)12
7 daysTrip Interruption12
$5,000Trip Cancellation12
$2,500Hotel Burglary Insurance12
$3,000Baggage Delay12
$750Lost or Stolen Baggage12
$2,500Flight Delay12
$1,000Car Rental Damage & Theft12
yes
Benefits
Details
Airport Lounge - Dragon Pass
6 complimentary airport lounge visits per year(2)Gas Discount
save 3¢/L on fuel(8) and always earn 20% more Petro-Points(9) at Petro-Canada and 20% more Avion points(10)Extra points
50 Be Well™ points on every $1 spent on eligible purchases at Rexall(14)Concierge Services
Connect to the Visa Infinite Privilege Concierge like having a personal assistant on call!
Priority Travel
Enjoy global airport lounge access, airport security fast track lanes, and dedicated airport parking at select Canadian airportsVisa Infinite Exclusive Benefits
Dining series and Visa Infinite Luxury Hotel Collection offers with benefits like late check out and upgradesDiscount
Add your credit card to your DoorDash account and get a 12-month complimentary DashPass subscription(18)
Eligibility
Credit Score
GoodAnnual Income
$200,000 personal or $200,000 household
Our choice for: Best Premium Travel
on Scotiabank's website
Welcome Bonus
Earn up to 80,000 bonus Scene+ points
Annual Fee
$599
Interest Rates
20.99% / 22.99%
RECOMMENDED CREDIT SCORE
4.5/5
For frequent flyers who want a single card that handles almost every travel need, this one’s hard to beat. It offers a hefty intro bonus, an annual Scene+ Travel credit that’s as good as cash when you book through Expedia, and complimentary DragonPass lounge visits each year. Pair that with no foreign‑currency markup, rich earn rates on travel and dining/entertainment, and unusually comprehensive travel insurance, and the annual fee can pay for itself quickly for anyone who travels a few times a year.
Pros
- No foreign transaction fees
- Generous welcome bonus
- Annual travel credit
- Shell Fuel Savings
- Airport lounge access
- Accelerated earn rates
- Comprehensive coverage
- Premium extras
Cons
- Higher annual fee
- Steep qualifications bar
- Fixed-value Scene+ points
Rewards
- Earn 3X the Scene+ points for every $1 you spend on eligible travel purchases. Plus, earn an extra 3X the points on hotel bookings, car rentals, and things to do when you book through Scene+ Travel, Powered by Expedia. That's a total of 6X the points!
- Earn 2X the Scene+ points for every $1 you spend on eligible dining and entertainment.
- Plus, earn 1X the Scene+ points for every $1 you spend on all other eligible purchases.
Insurance
Coverage
Mobile Device Insurance
$1,000Travel Medical Insurance (64 & under)
$5M/insured up to 31 daysTravel Medical Insurance (65 to 75)
$5M/insured up to 10 daysTrip Cancellation
$2,500/person, $10,000/tripTrip Interruption
$5,000/person, $25,000/tripFlight Delay
$1,000/personLost or Stolen Baggage
$2,500/person (max $5,000 per trip)Baggage Delay
$1,000/personHotel Burglary Insurance
$2,500Common Carrier Travel Accident Insurance
$500,000/insuredCar Rental Damage & Theft
Covers vehicles MSRP ≤ $85k, rentals ≤ 48 daysPurchase Protection
180 daysExtended Warranty
2 years
Benefits
Details
No Foreign Transaction Fees
Avoid the usual 2.5% forex fees on your purchases when you travel outside of CanadaTravel Credit
$250 annual Scene+ Travel credit – automatic statement credit on your first Expedia‑powered booking each membership year.Airport Lounge - Dragon Pass
10 Free complimentary visitsGas Discount2
Get up to 10¢/L in value on fuel purchases at Shell stationsStatus lift
Avis President’s Club membership – two class upgrades, priority service.Concierge Services
24/7 Visa Infinite Privilege concierge (English & French)Visa Infinite Exclusive Benefits
Priority Travel
Dedicated security and taxi lanes, valet and parking discounts at select Canadian airports.
Eligibility
Credit Score
GoodAnnual Income
$150,000 personal or $200,000 household
Our choice for: Best Business
on Scotiabank's website
Welcome Bonus
Earn up to 40,000 bonus Scene+ points [1]
Annual Fee
$199
Interest Rates
19.99% / 22.99%
RECOMMENDED CREDIT SCORE
5/5
The standout feature is simple: no foreign transaction fees. For any business that regularly pays suppliers abroad, books international travel, or has USD expenses, this saves 2.5% on every foreign purchase — savings that add up fast. On top of that, you earn a flat 1.5 Scene+ points per dollar on everything with no caps or categories. The $199 fee is higher than average, but you get six airport lounge visits per year, solid travel insurance, and a 40,000-point welcome bonus. If your business spending is mostly domestic and you don’t travel, the fee is hard to justify. But for internationally active businesses, this is one of the best options in Canada.
Awards & Recognition
Best Business Credit Card
2026
Pros
- No foreign transaction fees
- Strong rewards
- Generous welcome bonus
- Airport lounge access
- Shell Fuel Savings
- Comprehensive travel coverage
- Flexible redemptions
- First additional card free
- Visa Infinite benefits
Cons
- Higher annual fee
- Welcome bonus spending requirements
- High income requirement
- Additional card fees
Rewards
- Earn 1.5X the Scene+TM‡ points for every $1 spent2 on purchases for your business
- Enjoy no Foreign Transaction Fees3 whether you make purchases online or outside of Canada
Insurance
Coverage
Travel Medical Insurance (64 & under)
$2M/insured up to 25 daysTravel Medical Insurance (65 to 75)
$2M/insured up to 10 daysTrip Cancellation
$2,500/person, $10,000/tripTrip Interruption
$2,500/person, $10,000/tripFlight Delay
$500/person after 4 hoursLost or Stolen Baggage
$1,000Baggage Delay
$1,000Common Carrier Travel Accident Insurance
$500,000/insured, $1M combinedCar Rental Damage & Theft
$65,000 up to 48 daysHotel Burglary Insurance
$1,000Purchase Protection
90 daysExtended Warranty
1 year
Benefits
Details
No Foreign Transaction Fees
Avoid the usual 2.5% forex fees on your purchases when you travel outside of CanadaAirport Lounge - Dragon Pass
6 Free complimentary visitsGas Discount4
Get up to 10¢/L in value with Shell Go+Status lift
Avis® Preferred Plus membershipConcierge Services
Visa Infinite Exclusive Benefits
Eligibility
Credit Score
GoodAnnual Income
$60,000 personal or $100,000 household
From Our Editors: The Full List of Best Visa Credit Cards in Canada
Best Overall: Scotia Momentum Visa Infinite + Card
The Scotia Momentum Visa Infinite + Card is one of the best cashback credit cards in Canada for groceries and recurring purchases. It also decently optimizes gas and daily transit. Alongside comprehensive coverage, including protections like trip interruption and trip cancellation insurance, cardholders can expect car rental discounts and Visa Infinite Exclusive Benefits. Sure, you'll have to meet some annual income requirements to qualify, but the annual fee is thankfully waived for the first year of membership. Find out more in our Scotia Momentum Visa Infinite + Card Review.
Best Low-Interest: RBC Visa Classic Low Rate Option
Maybe you like a low-interest credit card. In that case, check out the RBC Visa Classic Low Rate Option, both one of the best low-interest credit cards in Canada and one of the best balance transfer credit cards in Canada. This card features a low, fixed annual interest rate on purchases, cash advances, and balance transfers. In fact, cardholders receive an even lower introductory interest rate on balance transfers. While the coverage is standard, perks include extra Be Well points at Rexall, gas discount and bonus points at Petro Canada, and DashPass deals. Plus, the annual fee is waived for the first year of membership. Discover more in our RBC Visa Classic Low Rate Option Review.
Best Cashback for Dining: Simplii Financial Cash Back Visa Card
Would you rather collect cashback on dining? If so, consider the no-fee Simplii Financial Cash Back Visa Card, one of the best dining credit cards in Canada. In addition to it's high earning potential on restaurant, bar, and coffee shop purchases, cardholders can also earn decent cashback on gas, groceries, drugstore, and pre-authorizes payments. With basic coverage like purchase protection and extended warranty insurance, the true focus of this card is the affordable rewards program. In fact this rate of earning for a no fee card is so rare that makes this card one of the best credit cards in Canada. Read more in our Simplii Financial Cash Back Visa Card Review.
Best Aeroplan: TD Aeroplan Visa Infinite Card
Air Canada travellers will benefit most from one of the best Aeroplan credit cards in Canada, the TD Aeroplan Visa Infinite Card. This contender collects commendable Aeroplan points per dollar spent on Air Canada purchases, gas, electric vehicle charging, groceries, and partner purchases. In addition to comprehensive travel coverage, cardholders can expect valuable perks like free first checked bags, a Nexus program rebate, and an expedited chance of reaching Aeroplan Elite Status. The card also comes with some income requirements, but rebates the first year fee. For more information, check out our TD Aeroplan Visa Infinite Card Review.
Best Flat Rate Cashback: Wealthsimple Visa Infinite Privilege Card
Want to keep things simple with a flat rate of cashback on all eligible purchases? Then apply for the Wealthsimple Visa Infinite Privilege Card. On top of strong insurance coverage, this card comes with no foreign transaction fees, Dragon Pass airport lounge access, and Visa Infinite Exclusive Benefits. Note, however, to qualify for this card, you'll need to meet some high annual income requirements. Luckily though, you can pay the annual fee in monthly instalments. See more in our Wealthsimple Visa Infinite Privilege Card Review.
Best Overall Travel: Scotiabank Passport Visa Infinite + Card
For the most well-rounded travel Visa card, go for the Scotiabank Passport Visa Infinite + Card, one of the best travel credit cards in Canada and best no foreign transaction fee credit cards in Canada. This contender collects solid Scene+ points on partner grocers, other eligible groceries, dining, entertainment, transit, and travel. The insurance is also extensive, covering categories like travel medical, flight and baggage delay, and hotel burglary insurance. Unsurprisingly, for perks you can expect no foreign transaction fees, plus Dragon Pass airport lounge access, concierge services, and an Avis Preferred Plus membership. Learn more in our Scotiabank Passport Visa Infinite + Card Review.
Best Expedia for TD: TD First Class Travel Visa Infinite Card
Constantly booking travel through Expedia? Then why not try Expedia for TD? This platform is accessible with the TD First Class Travel Visa Infinite Card. This card collects plenty of TD Rewards points on travel bookings, groceries, dining, transit, recurring bills, streaming, and more. The comprehensive coverage is accompanied by perks like an annual travel credit, Dragon Pass airport lounge access, and an annual birthday bonus of extra points. For the full details, see our TD First Class Travel Visa Infinite Card Review.
Best Avion: RBC Avion Visa Infinite Card
Are you an avid Avion point collector? If so, see the RBC Avion Visa Infinite Card. This competitor collects RBC Avion (Elite) Reward points on eligible travel purchases. The coverage on this card is also impressive, with tons of protections like trip interruption and trip cancellation insurance, plus travel medical insurance. Perks include a gas discount and extra points at Petro Canada, car rental discounts at Hertz, bonus Be Well points at Rexall, concierge services, and DoorDash deals. Get the complete breakdown in our RBC Avion Visa Infinite Card Review.
Best Affordable Avion: RBC ION+ Visa Card
The RBC ION+ Visa earns cardholders solid Avion points on groceries, dining, gas, food delivery, ride share, streaming services and more. The insurance is pretty basic, but it includes valuable mobile device insurance. As for benefits, expect extra points and discounts with Petro Canada, bonus Moi Reward points at participating retailers, more Be Well points at Rexall, and DoorDash deals. Get the full scoop in our RBC ION+ Visa Card Review.
Best Premium Avion: RBC Avion Visa Infinite Privilege Card
For the most premium Avion perks and coverage, consider the RBC Avion Visa Infinite Privilege Card. The rewards on this card aren't particularly exciting, but the extensive insurance and luxurious benefits make up for it. Expect protections like trip interruption, trip cancellation, and travel medical insurance. Plus, perks like Dragon Pass airport lounge access and priority travel advantages. Note, however, that these exclusive add ons come with a high annual fee and high annual income requirements. See our RBC Visa Infinite Privilege Card Review for more details.
Best Premium Travel: Scotiabank Passport Visa Infinite Privilege Card
The best overall premium travel visa card is none other than the Scotiabank Passport Visa Infinite Privilege Card. This card collects strong Scene+ points on common everyday and travel-oriented expenses. The insurance coverage is extensive, featuring protections like travel medical insurance, trip interruption and trip cancellation insurance, and flight and baggage delay insurance. Top-tier benefits include no foreign transaction fees, an annual travel credit, airport lounge access, and priority travel perks. Just ensure you meet the card's high income requirements and are able to pay the annual fee before applying. For a closer look at this card, read our Scotiabank Passport Visa Infinite Privilege Card Review.
Best Business: Scotiabank Passport Visa Infinite Business Card
Maybe you need a travel visa card for business. In that case, apply for the Scotiabank Passport Visa Infinite Business Card instead. This competitor comes with extensive insurance, no foreign transaction fees, and airport lounge access. As far as rewards go, cardholders earn decent Scene+ points per dollar spent on business purchases. All these features make this card one of the best business credit cards in Canada. Learn more in our Scotiabank Passport Visa Infinite Business Card Review.
Visa Credit Card Tiers in Canada
Visa credit card tiers include:
- Classic: standard, convenient, reliable, widely-accepted
- Gold: a step up from classic with preferred services, security, and recognition
- Platinum: higher spending limits, more prestige
- Infinite: access to exclusive experiences and benefits
- Infinite Privilege: best purchasing power and premium perks and experiences (but typically higher annual fees and income requirements)
These tiers run from Classic at the entry level up to Infinite Privilege at the top. The Visa cards featured above come from five different issuers: Scotiabank, RBC, TD, Simplii Financial, and Wealthsimple.
How to Apply for a Visa Credit Card
To apply for a Visa credit card, simply tap the "Apply Now" button below any of the cards featured above or those featured in our credit card comparison tool. Afterwards, you'll be redirected to the issuer's official website to kickstart the application process. Credit card applications typically ask for personal information, like your birthdate, address, and email. They'll also request financial information, such as your income, when applicable.
Tip: Before you apply, check each card's eligibility requirements, since they depend on the card and its tier.
Frequently Asked Questions
Both Visa and Mastercard credit cards are widely accepted and offer varying benefits to their cardholders. One notable difference between Visa and Mastercard is that only Mastercards are accepted at Costco, and for reward purposes, Walmart is considered a grocery store on Mastercards but only a department store (and not a grocery store) on Visa cards.
The highest level of a Visa credit card is Visa Infinite Privilege. This level of Visa typically offers more extensive insurance policies, premium travel benefits, exclusive rewards, and priority services. However, these cards require a higher income, and usually sport steep annual fees.
It depends on how you like to earn rewards. For cashback, the Scotia Momentum Visa Infinite + Card is our best overall pick If you prefer points, the Scotiabank Passport Visa Infinite + Card, TD First Class Travel Visa Infinite Card, and RBC Avion Visa Infinite Card are our picks for travel rewards. You can also browse the best cashback credit cards in Canada and the best travel credit cards in Canada.
Visa Infinite Privilege sits one tier above Visa Infinite. It typically adds more extensive insurance, premium travel benefits, and priority services, but comes with a higher annual fee and higher income requirements.
Start with the details that differ most from card to card: the annual fee, the rewards you earn on your biggest spending categories, the insurance coverage, and the income requirements. Our credit card comparison tool can help you compare cards on these points.
About the author
Sara Skodak
Lead Writer
Since graduating from the University of Western Ontario, Sara has built a diverse writing portfolio, covering topics in the travel, business, and wellness sectors. As a self-started freelance content ...
SEE FULL BIOAbout the editor
Kevin Shahnazari
Co-founder
Kevin started FinlyWealth and juggles a bit of everything—digging into data, running our marketing, and keeping the finances on track. Before this, he spent years as a data scientist at tech companies...
SEE FULL BIOAbout the reviewer
Abid Salahi
Co-founder
Abid leads the design and engineering of the FinlyWealth website, making sure everything runs smoothly and looks great. He’s a seasoned software engineer who follows best practices and designs interfa...
SEE FULL BIO