12 Best Visa Credit Cards in Canada for 2026

on Scotiabank's website

$100 Cash Rebate From FinlyWealth + 10% Cash Back (up to $200 value)

Welcome Bonus

10% Cash Back (up to $200 value)

Rewards Rate

1% - 4%

Cash Back

Annual Fee

$120 $0

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 model

RBC Visa Classic Low Rate Option

Our Rating

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 & Cons

Pros

High grocery optimization
High recurring payment optimization
High insurance coverage
First-year fee rebate
Car rental discounts

Cons

Low base earn rate
Annual redemption

Card Details

Rewards

4% cashback on groceries, recurring payments (up to $25,000 in purchases, equals to $1000 cashback per year then drops to 1%)
2% cashback on gas, daily transit (maximum $500 cashback per year)
1% cashback on all other credit card purchases (unlimited).

Insurance

Coverage

Mobile Device Insurance
$1,000
Common Carrier Travel Accident Insurance
$500,000
Travel Medical Insurance
15 days
Trip Interruption
$2,000
Trip Cancellation
$1,500
Flight Delay
$500
Lost or Stolen Baggage
$500
Baggage Delay
$500
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
Visa Infinite Exclusive Benefits
Yes

Eligibility

Credit Score
Good
Annual Income
$60,000 personal or $100,000 household

^*See Card Provider's website and Card Application for complete card details, terms and current offers. Reasonable efforts are made to maintain accuracy of information. Check here for full details and current product information.

Our choice for: Best Low Interest

4.8

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*

Rewards Rate

N/A

Annual Fee

$20 $0

Interest Rates

12.99% / 12.99%

RECOMMENDED CREDIT SCORE

300

Poor

560

Fair

660⁎

Good

725⁎

Very Good

760⁎

Excellent

⁎Estimates based on Equifax scoring model

Simplii Financial™ Cash Back Visa* Card

Our Rating

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 & Cons

Pros

Low annual fee
Lower interest rates
Low interest welcome bonus
first-year fee rebate

Cons

No rewards

Card Details

Rewards

Get a low, fixed annual interest rate of 12.99% on purchases, cash advances including balance transfers.¹ No surprises.
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 days
Extended Warranty
Doubled Up to 1 year

Benefits

Details

Extra points
50 Be Well points for every $1 spent on eligible products at Rexall
Gas Discount
save 3¢/L on fuel and always earn 20% more Petro-Points at Petro-Canada and 20% more Avion points at Petro-Canada
Discount
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
Good
Annual Income
N/A

^*Refer to RBC page for up to date offer terms and conditions. The Website may engage in affiliate marketing, which is done by embedding tracking links into The Website. If you click on a link for an affiliate partnership, a cookie will be placed on your browser to track any sales for purposes of commissions. Check here for full details and current product information.

Our choice for: Best Dining Cashback

4.4

on Simplii Financial™'s website

$50 Cash Rebate From FinlyWealth + 8% cash back† up to $1,000 in spending

Welcome Bonus

8% cash back† up to $1,000 in spending

Rewards Rate

0.5% - 4%

Cash Back

Annual Fee

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 model

TD® Aeroplan® Visa Infinite Privilege* Credit Card

Our Rating

4.4/5

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 & Cons

Pros

High restaurant optimization
Decent cashback rates
No annual fee

Cons

Basic insurance
No benefits
Capped rewards

Card Details

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 days
Extended Warranty
Up to 1 year

Eligibility

Credit Score
Good
Annual Income
$15,000 household

^*†Terms and conditions apply. Click ‘Apply Now’ for complete details. Banking services are not available in Quebec. *“Purchase” means any Transaction other than a Cash Advance, Balance Transfer or Convenience Cheque. “Cash” means a Cash Advance, Balance Transfer and Convenience Cheque. Interest rates may change from time to time. Check here for full details and current product information.

Our choice for: Best Aeroplan

4.3

on TD's website

Welcome Bonus

Up to $3,000 in value† including up to 85,000 Aeroplan points† could be yours. Conditions Apply.

Rewards Rate

1.25x - 2x

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 model

Wealthsimple Visa Infinite Privilege*

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).

Insurance

Coverage

Travel Medical Insurance^†
$5M/insured up to 31 days
Travel Medical Insurance (65+)^†
$5M/insured up to 4 days
Trip Cancellation^†
$2.5K/person, $5K/trip
Trip Interruption^†
$5K/person, $25K/trip
Flight Delay^†
$1,000/person after 4 hours
Baggage Delay^†
$1K/person after 4 hours
Lost or Stolen Baggage^†
$2.5K/person
Common Carrier Travel Accident Insurance^†
$500,000
Car Rental Damage & Theft^†
Up to 48 consecutive rental days
Hotel Burglary Insurance^†
$2500
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^†
Earn 50% more Stars and 50% more Aeroplan points at participating Starbucks stores
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

^*†Terms and conditions apply. Sponsored advertising. The Toronto-Dominion Bank (TD) is not responsible for the contents of this site including any editorials or reviews that may appear on this site. For complete and current information on this TD credit card, please click the Apply Now button. Check here for full details and current product information.

Our choice for: Best Flat Rate Cashback

4.3

on Wealthsimple's website

Welcome Bonus

$25 Exclusive bonus through FinlyWealth*

Rewards Rate

Cash Back

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 model

Scotiabank Passport® Visa Infinite* Card

Our Rating

4.3/5

The Wealthsimple Cash Back Visa Infinite Privilege offers a conditional no-fee, no-FX-fee spending solution 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
No premium client annual fee
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^*
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

^**Terms and conditions apply. The $25 bonus is only available to eligible new Wealthsimple clients who successfully open a chequing account and fund a minimum of $1. Wealthsimple is not responsible for maintaining the accuracy of information on this website. Refer to Wealthsimple's page for more details. Check here for full details and current product information.

Our choice for: Best Overall Travel

4.9

on Scotiabank's website

$100 $150 Cash Rebate From FinlyWealth expiring on + Earn up to $1,500 in value, including up to 60,000 bonus Scene+ points

Welcome Bonus

Earn up to $1,500 in value, including up to 60,000 bonus Scene+ points

Rewards Rate

1x - 3x

Annual Fee

$150

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 model

TD First Class Travel® Visa Infinite* Card

Our Rating

4.9/5

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 & Cons

Pros

High rewards
No foreign transaction fees
Comprehensive insurance
Airport lounge access
Generous intro offer

Cons

High income requirements
High annual fee

Card Details

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
$2M/insured up to 25 days
Travel Medical Insurance (65+)
$2M/insured up to 3 days
Trip Cancellation
$1,500/person, $10,000/trip
Trip Interruption
$2,500/person, $10,000/trip
Flight Delay
$500/person after 4 hours
Lost or Stolen Baggage
$1,000
Baggage Delay
$1,000
Common Carrier Travel Accident Insurance
$500,000/insured, $1M combined
Car Rental Damage & Theft
$65,000 up to 48 days
Hotel Burglary Insurance
$1,000
Purchase Protection
90 days
Extended Warranty
1 year

Benefits

Details

No Foreign Transaction Fees
Avoid the usual 2.5% forex fees on your purchases when you travel outside of Canada
Airport Lounge - Dragon Pass
6 Free complimentary visits
Status lift
Avis® Preferred Plus membership
Concierge Services
Visa Infinite Exclusive Benefits

Eligibility

Credit Score
Good
Annual Income
$60,000 personal or $100,000 household

^*Terms and conditions apply. See Card Provider's website and Card Application for complete card details, terms and current offers. Reasonable efforts are made to maintain accuracy of information. Check here for full details and current product information.

Our choice for: Best Expedia for TD

4.7

on TD's website

Welcome Bonus

Earn up to $1,400 in value†, including up to 165,000 TD Rewards Points† and receive an annual fee rebate for the first year†. Conditions Apply.

Rewards Rate

2x - 8x

Annual Fee

$139 $0

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 model

Our Rating

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 & Cons

Pros

High rewards
First-year fee rebate
Extensive insurance
Annual travel credit

Cons

High income requirements
Low point value
Potentially week booking portal

Card Details

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

Insurance

Coverage

Travel Medical Insurance^†
21 days
Travel Medical Insurance (65+)^†
4 days
Trip Cancellation^†
$1,500
Trip Interruption^†
$5,000
Flight Delay^†
$500
Baggage Delay^†
$1,000
Lost or Stolen Baggage^†
$1,000
Common Carrier Travel Accident Insurance^†
$500,000
Car Rental Damage & Theft^†
yes
Hotel Burglary Insurance^†
$2,500
Purchase Protection^†
90 days
Extended Warranty^†
Up to 1 year
Mobile 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.S
Extra points^†
Earn 50% more Stars and 50% more Aeroplan points at participating Starbucks stores
Annual Birthday Bonus^†
Earn a Birthday Bonus of up to 10,000 TD Rewards Points
Car Rental Discount^†
10% off base rate of Avis Rent A Car and Budget Rent A Car
Travel Credit^†
Get an annual TD Travel Credit of $100 when you book at Expedia For TD
Airport 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
Good
Annual Income
$60,000 personal or $100,000 household

Our choice for: Best Avion

RBC Avion Visa Infinite

4.6

on RBC's website

Welcome Bonus

Get up to 55,000 Avion points(1)

Rewards Rate

1x - 1.25x

Annual Fee

$120

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 model

Our Rating

4.6/5

The RBC Avion Visa Infinite is ideal for frequent travelers who want flexibility and value. It comes with a strong welcome bonus (worth up to ~$700 in travel value), 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 $120 annual fee.

Pros & Cons

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

Card Details

Rewards

1.25x points per $1 spent on eligible travel purchases
1x point per $1 spent on all other purchases

Insurance

Coverage

Purchase Protection
90 days
Extended Warranty
Up to a year
Mobile Device Insurance
$1,500
Common Carrier Travel Accident Insurance
$500,000
Travel Medical Insurance
15 days
Travel Medical Insurance (65+)
3 days
Trip Interruption
$5,000
Trip Cancellation
$1,500
Hotel Burglary Insurance
$2,500
Baggage Delay
$500
Lost or Stolen Baggage
$500
Flight Delay
$500
Car Rental Damage & Theft
yes

Benefits

Details

Gas Discount
save 3¢/L on fuel and always earn 20% more Petro-Points at Petro-Canada and 20% more Avion points at Petro-Canada
Car Rental Discount
Get up to 20% off at Hertz
Extra points
50 Be Well points for every $1 spent on eligible products at Rexall
Concierge Services
Discount
Add your credit card to your DoorDash account and get a free 12-month DashPass subscription

Eligibility

Credit Score
Good
Annual Income
$60,000 personal or $100,000 household

Our choice for: Best Affordable Avion

RBC ION+ Visa

4.5

on RBC's website

Welcome Bonus

Get up to 21,000 Avion points^ - that’s up to $150 of value in gift cards!

Rewards Rate

1x - 3x

Annual Fee

$48

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 model

RBC Avion Visa Infinite Privilege

Our Rating

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 & Cons

Pros

Petro Canada perks
Generous welcome bonus
Solid optimization
Mobile device insurance

Cons

Weaker ION tier
Limited insurance

Card Details

Rewards

Earn 3X Avion points for every $1 spent on groceries, dining, gas, food delivery, rideshare, streaming services and more²
Earn 1X Avion point for every $1 spent on all other qualifying purchases²

Insurance

Coverage

Purchase Protection
90 days
Extended Warranty
Up to a year
Mobile Device Insurance
$1,000

Benefits

Details

Gas Discount
Save 3¢/L instantly at the pump and get 20% more Petro-Points and 20% more Avion points
Extra points
Earn 1 extra Moi point for every $2 spent at participating Moi Rewards stores (minimum purchase required)
Extra points
50 Be Well points for every $1 spent on eligible products at Rexall
Discount
Add your credit card to your DoorDash account and get a 6-month complimentary DashPass subscription

Eligibility

Credit Score
Good
Annual Income
N/A

Our choice for: Best Premium Avion

4.4

on RBC's website

Welcome Bonus

Up to 70,000 Avion points*

Rewards Rate

1.25x

Annual Fee

$399

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 model

Scotiabank Passport® Visa Infinite* Privilege Card

Our Rating

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 & Cons

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

Card Details

Rewards

1.25x Avion points per $1 spent on all eligible purchases

Insurance

Coverage

Purchase Protection
120 days
Extended Warranty
Up to 2 years
Mobile Device Insurance
$1,500
Common Carrier Travel Accident Insurance
$500,000
Travel Medical Insurance
31 days
Travel Medical Insurance (65+)
7 days
Trip Interruption
$5,000
Trip Cancellation
$2,500
Hotel Burglary Insurance
$3,000
Baggage Delay
$750
Lost or Stolen Baggage
$2,500
Flight Delay
$1,000
Car Rental Damage & Theft
yes

Benefits

Details

Airport Lounge - Dragon Pass
Visa Airport Companion membership + 6 complimentary airport lounge visits per year
Gas Discount
save 3¢/L on fuel and always earn 20% more Petro-Points at Petro-Canada and 20% more Avion points at Petro-Canada
Extra points
50 Be Well points for every $1 spent on eligible products at Rexall
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 airports
Visa Infinite Exclusive Benefits
Dining series and Visa Infinite Luxury Hotel Collection offers with benefits like late check out and upgrades
Discount
Add your credit card to your DoorDash account and get a free 12-month DashPass subscription

Eligibility

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

^** This offer only applies to new applications for an RBC Avion Visa Infinite Privilege credit card approved by Royal Bank of Canada (“Royal Bank”) subject to the conditions below. Additional cardholders(s) (co-applicant and authorized user(s)) on the RBC Avion Visa Infinite Privilege credit card account, as well as existing cardholders on any RBC Royal Bank personal credit card account transferring to an RBC Avion Visa Infinite Privilege credit card account during the Offer Period, are not eligible for the offer. Refer to RBC page for up to date offer terms and conditions. The Website may engage in affiliate marketing, which is done by embedding tracking links into The Website. If you click on a link for an affiliate partnership, a cookie will be placed on your browser to track any sales for purposes of commissions. Check here for full details and current product information.

Our choice for: Best Premium Travel

4.5

on Scotiabank's website

$175 Cash Rebate From FinlyWealth + Earn up to 100,000 bonus Scene+ points

Welcome Bonus

Earn up to 100,000 bonus Scene+ points

Rewards Rate

1x - 6x

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 model

Scotiabank Passport® Visa Infinite Business* Card

Our Rating

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 & Cons

Pros

No foreign transaction fees
Generous welcome bonus
Annual travel credit
Airport lounge access
Accelerated earn rates
Comprehensive coverage
Premium extras

Cons

Higher annual fee
Steep qualifications bar
Fixed-value Scene+ points

Card Details

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
$1,000
Travel Medical Insurance
$5M/insured up to 31 days
Travel Medical Insurance (65+)
$5M/insured up to 10 days
Trip Cancellation
$2,500/person, $10,000/trip
Trip Interruption
$5,000/person, $25,000/trip
Flight Delay
$1,000/person
Lost or Stolen Baggage
$2,500/person (max $5,000 per trip)
Baggage Delay
$1,000/person
Hotel Burglary Insurance
$2,500
Common Carrier Travel Accident Insurance
$500,000/insured
Car Rental Damage & Theft
Covers vehicles MSRP ≤ $85k, rentals ≤ 48 days
Purchase Protection
180 days
Extended Warranty
2 years

Benefits

Details

No Foreign Transaction Fees
Avoid the usual 2.5% forex fees on your purchases when you travel outside of Canada
Travel 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 visits
Status 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
Good
Annual Income
$150,000 personal or $200,000 household

Our choice for: Best Business

5.0

on Scotiabank's website

$125 Cash Rebate From FinlyWealth + Earn up to 40,000 bonus Scene+ points [1]

Welcome Bonus

Earn up to 40,000 bonus Scene+ points [1]

Rewards Rate

1.5x

Annual Fee

$199

Interest Rates

19.99% / 22.99%

RECOMMENDED CREDIT SCORE

300

Poor

560

Fair

660⁎

Good

725⁎

Very Good

760⁎

Excellent

⁎Estimates based on Equifax scoring model