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Onaclaireplane Best Welcome Offers for February 2026
Published Feb 9, 2026 7:30 PM
• Updated Feb 9, 2026 7:45 PM
• 5 min read
Here are my top picks for best welcome offers in February 2026! I discuss the offers and a few perks of each card in the video below :)
| Scotiabank Passport® Visa Infinite* Card | TD First Class Travel® Visa Infinite* Card | RBC Avion Visa Infinite | RBC ION+ Visa | Marriott Bonvoy® American Express®* Card | Marriott Bonvoy® Business American Express® Card | |
|---|---|---|---|---|---|---|
Welcome Bonus | Earn up to $1,500 in value, including up to 60,000 bonus Scene+ points | 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. | Get up to 55,000 Avion points(1) | Get up to 21,000 Avion points^ - that’s up to $150 of value in gift cards! | Earn up to 110,000 Marriott Bonvoy® points | Earn up to 110,000 bonus Marriott Bonvoy® points |
Earn Rates |
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Insurance Included | 12 types
| 13 types
| 13 types
| 3 types
| 8 types
| 9 types
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Benefits | 5 benefits
| 8 benefits
| 5 benefits
| 4 benefits
| 5 benefits
| 2 benefits
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Annual Fee | $150 | $139 (First Year Rebated) | $120 | $48 | $120 | $150 |
Income Requirements | $60,000 personal or $100,000 household | $60,000 personal or $100,000 household | $60,000 personal or $100,000 household | N/A | N/A | N/A |
Apply Now | APPLY NOW | APPLY NOW | APPLY NOW | APPLY NOW | APPLY NOW | APPLY NOW |
Our choice for: Premium Travel Perks and No FX Fees
APPLY NOW
on Scotiabank's website
Welcome Bonus
Earn up to $1,500 in value, including up to 60,000 bonus Scene+ points
Annual Fee
$150
Interest Rates
20.99% / 22.99%
RECOMMENDED CREDIT SCORE
300Poor
560Fair
660⁎Good
725⁎Very Good
760⁎Excellent
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
- High rewards
- No foreign transaction fees
- Comprehensive insurance
- Airport lounge access
- 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
$2M/insured up to 25 daysTravel 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
$1,000Baggage Delay
$1,000
Common Carrier Travel Accident Insurance
$500,000/insured, $1M combined.svg)
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.svg)
Status lift
Avis® Preferred Plus membership.svg)
Concierge Services
Visa Infinite Exclusive Benefits
Eligibility
Credit Score
GoodAnnual 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.
APPLY NOW
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.
Annual Fee
$139 $0
Interest Rates
21.99% / 22.99%□
RECOMMENDED CREDIT SCORE
300Poor
560Fair
660⁎Good
725⁎Very Good
760⁎Excellent
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
Insurance
Coverage
Travel Medical Insurance†
21 daysTravel Medical Insurance (65+)†
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 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.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
*†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 RBC travel credit card
APPLY NOW
on RBC's website
Welcome Bonus
Get up to 55,000 Avion points(1)
Annual Fee
$120
Interest Rates
20.99% / 22.99%□
RECOMMENDED CREDIT SCORE
300Poor
560Fair
660⁎Good
725⁎Very Good
760⁎Excellent
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
- 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
- 1.25x points per $1 spent on eligible travel purchases
- 1x point per $1 spent on all other purchases
Insurance
Coverage
Purchase Protection
90 daysExtended Warranty
Up to a yearMobile Device Insurance
$1,500Common Carrier Travel Accident Insurance
$500,000Travel Medical Insurance
15 daysTravel Medical Insurance (65+)
3 daysTrip Interruption
$5,000Trip Cancellation
$1,500Hotel Burglary Insurance
$2,500Baggage Delay
$500Lost or Stolen Baggage
$500Flight Delay
$500Car Rental Damage & Theft
yes
Benefits
Details
.svg)
Gas Discount
save 3¢/L on fuel and always earn 20% more Petro-Points at Petro-Canada and 20% more Avion points at Petro-CanadaCar Rental Discount
Get up to 20% off at HertzExtra points
50 Be Well points for every $1 spent on eligible products at RexallConcierge Services
Discount
Add your credit card to your DoorDash account and get a free 12-month DashPass subscription
Eligibility
Credit Score
GoodAnnual Income
$60,000 personal or $100,000 household
*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:
APPLY NOW
on RBC's website
Welcome Bonus
Get up to 21,000 Avion points^ - that’s up to $150 of value in gift cards!
Annual Fee
$48
Interest Rates
20.99% / 22.99%□
RECOMMENDED CREDIT SCORE
300Poor
560Fair
660⁎Good
725⁎Very Good
760⁎Excellent
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
Cons
- Weaker ION tier
- Limited insurance
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 daysExtended Warranty
Up to a yearMobile 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 pointsExtra 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 RexallDiscount
Add your credit card to your DoorDash account and get a 6-month complimentary DashPass subscription
Eligibility
Credit Score
GoodAnnual 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: Frequent Marriott Bonvoy Hotel Chain Visitors
APPLY NOW
on American Express' website
Welcome Bonus
Earn up to 110,000 Marriott Bonvoy® points
Annual Fee
$120
Interest Rates
21.99%* / 21.99%*
RECOMMENDED CREDIT SCORE
300Poor
693Fair
743⁎Good
790⁎Very Good
833⁎Excellent
4/5
The Marriott Bonvoy American Express Card is a standout for frequent travelers who value luxury and flexibility in their rewards. With access to over 7,000 participating hotels, cardholders can earn generous points on both Marriott Bonvoy bookings and everyday purchases. The card's annual free night award and complimentary Silver Elite status make it even more appealing, offering service upgrades and extra points on eligible stays. For those who frequently stay at Marriott properties and want to maximize their travel perks, this card is a top choice.
Pros
- High hotel optimization
- Annual free night certificate
- Automatic Silver Elite status
- Generous welcome bonus
Cons
- Low acceptance
- Relatively weaker insurance
Rewards
- 5 points per $1 on eligible purchases at participating Marriott Bonvoy hotels
- 2 points per $1 on all other purchases (i.e. dining, groceries, online shopping, etc.)
Insurance
Coverage
Common Carrier Travel Accident Insurance
$500,000Lost or Stolen Baggage
$500Baggage Delay
$500Flight Delay
$500Hotel Burglary Insurance
$500Purchase Protection
90 daysExtended Warranty
1 yearCar Rental Damage & Theft
yes
Benefits
Details
Free Extra Night at Hotels
Enjoy an Annual Free Night Award after your Card anniversary each yearFree Extra Night at Hotels
Enjoy 15 Elite Night Credits each calendar year to use towards attaining the next level of Elite status with your Marriott Bonvoy® American Express®* CardStatus lift
Complimentary Marriott Bonvoy Silver Elite StatusStatus lift
Upgrade to Gold Elite status when you combine 10 qualifying paid nights within one calendar year with the 15 Elite Night Credits from your card
American Express® Experiences
Eligibility
Credit Score
GoodAnnual Income
N/A
**Terms and conditions apply.
If you have 2 separate missed Payments, the applicable rates for your account will be 25.99%. If you have 3 or more separate missed payments, the applicable rates will be 29.99%.
American Express is not responsible for maintaining or monitoring the accuracy of information on this website. If you apply and get approved for an American Express Card, (I/we) may receive compensation from American Express, which can be in the form of monetary payment. Check here for full details and current product information.
APPLY NOW
on American Express' website
Welcome Bonus
Earn up to 110,000 bonus Marriott Bonvoy® points
Annual Fee
$150
Interest Rates
21.99%* / 21.99%*
RECOMMENDED CREDIT SCORE
300Poor
693Fair
743⁎Good
790⁎Very Good
833⁎Excellent
4/5
The Marriott Bonvoy® Business American Express® Card offers strong rewards, especially for frequent travelers who stay at Marriott properties, with the ability to earn 5 points per $1 spent and a generous welcome bonus. Additionally, the annual free night certificate and automatic Silver Elite status add value for business owners. However, the $150 annual fee and the lower acceptance rate of American Express might be drawbacks for some users, particularly those who don't travel frequently or prefer more widely accepted cards.
Pros
- Generous welcome bonus
- High hotel optimization
- Annual free night certificate
- Automatic Silver Elite status
Cons
- Lower acceptance
- Annual fee
Rewards
- 5x points per $1 on eligible purchases at participating Marriott Bonvoy hotels
- 3x points per $1 on eligible gas, dining and travel purchases
- 2x points per $1 on all other purchases (everyday business expenses and more)
Insurance
Coverage
Common Carrier Travel Accident Insurance
$500,000Flight Delay
$500Baggage Delay
$500Lost or Stolen Baggage
$500Hotel Burglary Insurance
$500Mobile Device Insurance
$1,000Car Rental Damage & Theft
YesExtended Warranty
1 yearPurchase Protection
90 days
Benefits
Details
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.
Eligibility
Credit Score
GoodAnnual Income
N/A
*American Express is not responsible for maintaining or monitoring the accuracy of information on this website. If you apply and get approved for an American Express Card, (I/we) may receive compensation from American Express, which can be in the form of monetary payment. Check here for full details and current product information.
Best Welcome Offers for February 2026