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onaclaireplane best cards for 2026
Published Feb 12, 2026 2:30 AM
• Updated Feb 12, 2026 2:36 AM
Here are my picks for cards you should have in your wallet for 2026. Check out my video to see which ones are best or you!
REWARDS RATE
2x - 5x
ANNUAL FEE
$120
INTEREST RATES
21.99%* / 21.99%*
Purchase / Cash Advance
RECOMMENDED CREDIT SCORE
300Poor
693Fair
743⁎Good
790⁎Very Good
833⁎Excellent
APPLY NOW
on American Express' website
REWARDS RATE
2x - 5x
ANNUAL FEE
$150
INTEREST RATES
21.99%* / 21.99%*
Purchase / Cash Advance
RECOMMENDED CREDIT SCORE
300Poor
693Fair
743⁎Good
790⁎Very Good
833⁎Excellent
APPLY NOW
on American Express' website
REWARDS RATE
1x - 5x
ANNUAL FEE
See Fees
INTEREST RATES
21.99%* / 21.99%*
Purchase / Cash Advance
RECOMMENDED CREDIT SCORE
300Poor
693Fair
743⁎Good
790⁎Very Good
833⁎Excellent
APPLY NOW
on American Express' website
REWARDS RATE
1x - 6x
ANNUAL FEE
$120
INTEREST RATES
20.99% / 22.99%
Purchase / Cash Advance
RECOMMENDED CREDIT SCORE
300Poor
560Fair
660⁎Good
725⁎Very Good
760⁎Excellent
GET $150 REBATE
Exclusive Offer
REWARDS RATE
1x - 5x
ANNUAL FEE
$120
INTEREST RATES
21.99% / 22.99%
Purchase / Cash Advance
RECOMMENDED CREDIT SCORE
300Poor
560Fair
660⁎Good
725⁎Very Good
760⁎Excellent
GET $100 REBATE
Exclusive Offer
REWARDS RATE
1x - 1.5x
ANNUAL FEE
$139 $0 First Year Rebated
INTEREST RATES
21.99% / 22.99%□
Purchase / Cash Advance
RECOMMENDED CREDIT SCORE
300Poor
560Fair
660⁎Good
725⁎Very Good
760⁎Excellent
APPLY NOW
on TD's website
REWARDS RATE
1.5x - 2x
ANNUAL FEE
$139
INTEREST RATES
20.99% / 22.99%□
Purchase / Cash Advance
RECOMMENDED CREDIT SCORE
300Poor
560Fair
660⁎Good
725⁎Very Good
760⁎Excellent
APPLY NOW
on RBC's website
REWARDS RATE
1x - 3x
ANNUAL FEE
$199 $0 First Year Rebated
INTEREST RATES
21.99% / 23.99%□
Purchase / Cash Advance
RECOMMENDED CREDIT SCORE
300Poor
560Fair
660⁎Good
725⁎Very Good
760⁎Excellent
GET $125 REBATE
Exclusive Offer
Best cards for 2026
About the author
Claire Haughian
Hi, I'm Claire 👋🏼, your one-stop shop for all things travel, and points and miles strategies, in Canada. I run @onaclaireplane because the points and miles world is loud, confusing, and full of hyp... See full bio
