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onaclaireplane Top 5 Cards
Published Sep 8, 2026 6:00 AM
• Updated Sep 9, 2026 12:51 AM
• 5 min read
Here are my top 5 (actually 6) cards to have in your wallet!
American Express
4.3
Frequent Marriott Bonvoy Hotel Chain Visitors
American Express
4.5
American Express
4.9
Best travel points earning credit card in Canada
$200 cash offer
Scotiabank
5.0
Great rewards, travel benefits and no FX fees
$120 cash offer
Scotiabank
4.8
Premium Travel Perks and No FX Fees
American Express
4.6
Travel Perks, Luxurious Travel, and Unlimited Lounge Access
Annual Fee
$120
$150
$191.88
$120
$150
$799
Interest Rates
Purchase
21.99%*
Cash advance
21.99%*
Rate details
Purchase
21.99%*
Cash advance
21.99%*
Rate details
Purchase
21.99%*
Cash advance
21.99%*
Rate details
Purchase
21.99%
Cash advance
22.99%
Balance transfer
22.99%
Purchase
20.99%
Cash advance
22.99%
Balance transfer
22.99%
Purchase
21.99% - 30%*
Cash advance
N/A*
Rate details
Welcome Bonus
Earn up to 110,000 bonus Marriott Bonvoy® points
Earn up to 110,000 bonus Marriott Bonvoy® points
Up to 15,000 Membership Rewards® points
Earn up to $950 in welcome offers, first year rewards and savings value, and up to 50,000 bonus Scene+ points.
Earn up to $1,250 in value, including up to 35,000 bonus Scene+ points
Earn up to 100,000 Membership Rewards® points
Rewards
2x - 5x
2x - 5x
1x - 5x
1x - 6x
1x - 3x
1x - 2x
Finly Offer
Exclusive cash back
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Apply Now
on American Express' website
Apply with Confidence — won't impact your credit score
Apply Now
on American Express' website
Apply Now
on American Express' website
Apply with Confidence — won't impact your credit score
Apply Now
on Scotiabank's website
Apply Now
on Scotiabank's website
Apply Now
on American Express' website
Apply with Confidence — won't impact your credit score
Welcome Bonus Details
Earn Rates
Insurance Coverage
Extra Benefits
Requirements
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
