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Ranked by value

Best Premium Credit Cards in Canada (July 2026)

High-end cards with lounge access, insurance, and concierge. 54 cards, ranked. Every figure cites the official issuer page. Updated 2026-07-29.

The best premium credit cards in Canada right now is the Scotiabank Passport Visa Infinite Privilege Card from Scotiabank, which leads our value ranking of 54 cards with a $599 annual fee and 20.99% purchase APR. High-end cards with lounge access, insurance, and concierge. We rank by the estimated real value a cardholder gets, with every figure sourced from the official issuer page and refreshed 2026-07-29. Nothing here is financial advice.

0Cards ranked
0%Sourced figures
07-29Last updated
$0Affiliate bias
1Top pick · Premium Credit Cards

Scotiabank Passport Visa Infinite Privilege Card

Scotiabank

Welcome value

~$300

Annual fee

$599

Purchase APR

20.99%

  • Big welcome bonus worth ~$300
  • Earn 3x on grocery, dining, entertainment
  • No foreign transaction fees
  • 10 airport lounge visits
ScotiabankInfinite Privilege
••••••••••••7325

Scotiabank Passport Visa Infinite Privilege Card

VISA

Welcome value, at a glance

Estimated CAD
1. Scotiabank Passport Visa Infinite Privilege Card~$300
2. Scotiabank Platinum American Express Card~$800
3. Scotiabank Passport Visa Infinite Card~$500
4. Tangerine Rewards World Elite Mastercard~$300
5. American Express® Gold Rewards Card~$1200
6. Scotiabank Gold American Express Card~$450

Mid-market point valuations, used only to compare cards. Not issuer-guaranteed. Confirm offers on the issuer page.

The rest of the ranking

53 more cards
  1. 2
    ScotiabankPlatinum

    Scotiabank Platinum American Express Card

    Great for travel abroad

    Welcome value

    ~$800

    Earn up to 80,000 bonus Scene+ points ($800 in travel rewards)

    Annual fee
    $399
    Purchase APR
    9.99%
    8.4Cited · verified 2026-06-13View →
  2. 3
    ScotiabankInfinite

    Scotiabank Passport Visa Infinite Card

    Great for travel abroad

    Welcome value

    ~$500

    Earn up to 40,000 bonus Scene+ points + 10,000 in first 6 months

    Annual fee
    $150
    Purchase APR
    20.99%
    8.1Cited · verified 2026-06-13View →
  3. 4
    ScotiabankInfinite

    Scotiabank Passport Visa Infinite Business Card

    For business spending

    Welcome value

    40k pts

    Earn up to $2,600 in first year savings and reward value, including up to 40,000 bonus Scene+ points

    Annual fee
    $199
    Purchase APR
    20.99%
    6.0Cited · verified 2026-06-13View →
  4. 5
    BMOWorld Elite

    BMO Ascend World Elite Mastercard

    Everyday rewards

    Welcome value

    No current offer

    Get up to $1,600 in value and the annual fees waived in the first year.

    Annual fee
    $150
    Purchase APR
    21.99%
    6.0Cited · verified 2026-06-13View →
  5. 6
    TangerineWorld Elite

    Tangerine Rewards World Elite Mastercard

    Everyday rewards

    Welcome value

    ~$300

    Offer until Oct 30

    Get a hold of your rewards with up to $600 in value; earn 30,000 bonus Scene+ points

    Annual fee
    $120
    Purchase APR
    20.95%
    7.1Cited · verified 2026-06-13View →
  6. 7
    American Express

    American Express® Gold Rewards Card

    Everyday rewards

    Welcome value

    ~$1200

    Earn up to 60,000 Membership Rewards points in your first year

    Annual fee
    $250
    Purchase APR
    21.99%
    8.4Cited · verified 2026-06-13View →
  7. 8
    BrimWorld Elite

    Brim World Elite Mastercard

    Everyday rewards

    Welcome value

    No current offer

    Earn up to $500 in Brim points when you use your Brim Card for the first time at participating merchants

    Annual fee
    $89
    Purchase APR
    6.5Cited · verified 2026-06-17View →
  8. 9
    WealthsimpleInfinite Privilege

    Wealthsimple Credit Card

    Great for travel abroad

    Welcome value

    No current offer

    Annual fee
    $240
    Purchase APR
    20.99%
    7.1Cited · verified 2026-06-13View →
  9. 10
    National BankWorld Elite

    National Bank World Elite Mastercard

    Everyday rewards

    Welcome value

    35k pts

    Get up to $1,052 in benefits and rewards for the first year

    Annual fee
    $150
    Purchase APR
    22.49%
    6.1Cited · verified 2026-06-17View →
  10. 11
    ScotiabankInfinite

    Scotia Momentum Visa Infinite Card

    Cash back on everyday spending

    Welcome value

    No current offer

    Offer until Nov 1

    15% cash back on first $2,000 in everyday purchases (first 3 months) + first year annual fee waived

    Annual fee
    $120
    Purchase APR
    20.99%
    7.6Cited · verified 2026-06-13View →
  11. 12
    Scotiabank

    Scotiabank Gold American Express Card

    Great for travel abroad

    Welcome value

    ~$450

    Earn up to 45,000 bonus Scene+ points ($450 in travel rewards)

    Annual fee
    $120
    Purchase APR
    21.99%
    8.3Cited · verified 2026-06-13View →
  12. 13
    MBNAWorld Elite

    MBNA Rewards World Elite Mastercard

    Everyday rewards

    Welcome value

    30k pts

    Earn up to 30,000 bonus MBNA Rewards Points

    Annual fee
    $120
    Purchase APR
    21.99%
    6.1Cited · verified 2026-06-17View →
  13. 14
    PC FinancialWorld Elite

    PC Insiders World Elite Mastercard

    Everyday rewards

    Welcome value

    No current offer

    First Year Annual Fee Waived and 50,000 bonus PC Optimum™ points*

    Annual fee
    $120
    Purchase APR
    21.99%
    7.9Cited · verified 2026-06-13View →
  14. 15
    Neo FinancialWorld Elite

    United MileagePlus Neo World Elite Mastercard

    Travel points & miles

    Welcome value

    25k pts

    Up to 25,000 MileagePlus miles

    Annual fee
    $89
    Purchase APR
    19.99%
    6.2Cited · verified 2026-06-13View →
  15. 16
    PC FinancialWorld Elite

    PC World Elite Mastercard

    No annual fee rewards

    Welcome value

    No current offer

    Enjoy 50,000 bonus PC Optimum™ points

    Annual fee
    No fee
    Purchase APR
    21.99%
    6.7Cited · verified 2026-06-13View →
  16. 17
    Canadian TireWorld Elite

    Triangle World Elite Mastercard

    No annual fee rewards

    Welcome value

    No current offer

    Annual fee
    No fee
    Purchase APR
    6.6Cited · verified 2026-06-17View →
  17. 18
    RBC Royal BankInfinite

    RBC Avion Visa Infinite

    Travel points & miles

    Welcome value

    ~$1400

    Get 35,000 Avion Points on approval, 20,000 bonus points when you spend $5,000 in your first 6 months, plus 15,000 one-time anniversary bonus points

    Annual fee
    $120
    Purchase APR
    20.99%
    8.1Cited · verified 2026-06-13View →
  18. 19
    RBC Royal BankInfinite Privilege

    RBC Avion Visa Infinite Privilege

    Travel points & miles

    Welcome value

    ~$2000

    Get 35,000 Avion Points on approval, 20,000 bonus points when you spend $5,000 in your first 6 months, plus 45,000 one-time anniversary bonus points

    Annual fee
    $399
    Purchase APR
    20.99%
    7.9Cited · verified 2026-06-13View →
  19. 20
    RBC Royal BankWorld Elite

    RBC Cash Back Preferred World Elite Mastercard

    Cash back on everyday spending

    Welcome value

    No current offer

    Receive 10.5% bonus cash back plus 1.5% standard cash back on qualifying transactions

    Annual fee
    $99
    Purchase APR
    20.99%
    6.7Cited · verified 2026-06-13View →
  20. 21
    Rogers BankWorld Elite Mastercard

    Rogers Red World Elite Mastercard

    Cash back on everyday spending

    Welcome value

    No current offer

    Annual fee
    No fee
    Purchase APR
    20.99%
    7.3Cited · verified 2026-06-13View →
  21. 22
    BMOWorld Elite

    BMO CashBack World Elite Mastercard

    Cash back on everyday spending

    Welcome value

    No current offer

    Get up to $650 in value and the annual fees waived in the first year.

    Annual fee
    $139
    Purchase APR
    21.99%
    7.6Cited · verified 2026-06-13View →
  22. 23
    CIBCInfinite

    CIBC Aeroplan Visa Infinite Card

    Travel points & miles

    Welcome value

    No current offer

    Annual fee
    $139
    Purchase APR
    21.99%
    7.1Cited · verified 2026-06-13View →
  23. 24
    CIBCInfinite Privilege

    CIBC Aeroplan Visa Infinite Privilege Card

    Travel points & miles

    Welcome value

    No current offer

    Annual fee
    $599
    Purchase APR
    21.99%
    7.2Cited · verified 2026-06-13View →
  24. 25
    CIBCGold

    CIBC Aventura Gold Visa Card

    Everyday rewards

    Welcome value

    60k pts

    Earn up to 60,000 Aventura Points (up to $1,200 in travel value) plus annual fee rebate

    Annual fee
    $139
    Purchase APR
    5.9Cited · verified 2026-06-13View →
  25. 26
    CIBCInfinite

    CIBC Aventura Visa Infinite Card

    Everyday rewards

    Welcome value

    60k pts

    Earn up to 60,000 Aventura Points (up to $1,200 in travel value) plus annual fee rebate

    Annual fee
    $139
    Purchase APR
    21.99%
    5.9Cited · verified 2026-06-13View →
  26. 27
    CIBCInfinite

    CIBC Dividend Visa Infinite Card

    Cash back on everyday spending

    Welcome value

    No current offer

    10% cash back welcome bonus up to $200 plus $50 pre-authorized payment bonus

    Annual fee
    $120
    Purchase APR
    7.4Cited · verified 2026-06-13View →
  27. 28
    RBC Royal BankPlatinum

    RBC Visa Platinum Avion

    Travel points & miles

    Welcome value

    ~$1400

    Get 35,000 Avion Points on approval, 20,000 bonus points when you spend $5,000 in your first 6 months, plus 15,000 one-time anniversary bonus points

    Annual fee
    $120
    Purchase APR
    20.99%
    7.9Cited · verified 2026-06-13View →
  28. 29
    American Express

    American Express® Aeroplan®* Card

    Travel points & miles

    Welcome value

    ~$945

    Earn up to 45,000 Aeroplan points

    Annual fee
    $120
    Purchase APR
    21.99%
    8.2Cited · verified 2026-06-13View →
  29. 30
    Neo FinancialWorld Elite

    Cathay World Elite Mastercard

    Travel points & miles

    Welcome value

    35k pts

    Up to 35,000 Asia Miles

    Annual fee
    $180
    Purchase APR
    19.99%
    5.8Cited · verified 2026-06-13View →
  30. 31
    American Express

    Marriott Bonvoy® American Express®* Card

    Everyday rewards

    Welcome value

    70k pts

    Earn up to 70,000 Marriott Bonvoy points

    Annual fee
    $120
    Purchase APR
    21.99%
    5.9Cited · verified 2026-06-13View →
  31. 32
    RBC Royal BankInfinite

    RBC British Airways Visa Infinite

    Travel points & miles

    Welcome value

    No current offer

    Offer available

    Annual fee
    $165
    Purchase APR
    20.50%
    7.6Cited · verified 2026-06-13View →
  32. 33
    American ExpressReserve

    The American Express® Aeroplan®* Reserve Card

    Travel points & miles

    Welcome value

    ~$2310

    Earn up to 110,000 Aeroplan points

    Annual fee
    $599
    Purchase APR
    21.99%
    8.5Cited · verified 2026-06-13View →
  33. 34
    American Express

    The American Express® Cobalt® Card

    Everyday rewards

    Welcome value

    ~$300

    Earn up to 15,000 Membership Rewards points in your first year

    Annual fee
    $191.88
    Purchase APR
    21.99%
    7.9Cited · verified 2026-06-13View →
  34. 35
    American ExpressPlatinum

    The Platinum Card®

    Everyday rewards

    Welcome value

    ~$2600

    Earn up to 130,000 Membership Rewards points

    Annual fee
    $799
    Purchase APR
    21.99%
    8.1Cited · verified 2026-06-13View →
  35. 36
    RBC Royal BankWorld Elite

    WestJet RBC World Elite Mastercard

    Travel points & miles

    Welcome value

    ~$450

    Get up to 45,000 WestJet points, a value of up to $450 off travel

    Annual fee
    $139
    Purchase APR
    20.99%
    7.2Cited · verified 2026-06-13View →
  36. 37
    American Express

    American Express Aeroplan Business Reserve Card

    For business spending

    Welcome value

    ~$2520

    Earn up to 120,000 Welcome Bonus Aeroplan points

    Annual fee
    $599
    Purchase APR
    21.99%
    8.4Cited · verified 2026-06-13View →
  37. 38
    American Express

    American Express Business Gold Rewards Card

    For business spending

    Welcome value

    ~$1400

    Earn up to 70,000 Membership Rewards points

    Annual fee
    $199
    Purchase APR
    8.7Cited · verified 2026-06-13View →
  38. 39
    BMOWorld Elite

    BMO Air Miles World Elite Mastercard

    Everyday rewards

    Welcome value

    No current offer

    Annual fee
    Purchase APR
    6.4Cited · verified 2026-06-13View →
  39. 40
    BMOWorld Elite

    BMO Ascend World Elite Business Mastercard

    For business spending

    Welcome value

    150k pts

    Get more for your business with up to $2,175 in value

    Annual fee
    $175
    Purchase APR
    18.99%
    5.8Cited · verified 2026-06-13View →
  40. 41
    BMOWorld Elite

    BMO Blue Rewards World Elite Business Mastercard

    For business spending

    Welcome value

    No current offer

    Get over $1,750 in value, including an annual-fee waiver, in your first year

    Annual fee
    $175
    Purchase APR
    20.99%
    5.8Cited · verified 2026-06-13View →
  41. 42
    American Express

    Business Platinum Card from American Express

    For business spending

    Welcome value

    ~$1000

    Earn up to 50,000 Membership Rewards points

    Annual fee
    $799
    Purchase APR
    7.4Cited · verified 2026-06-13View →
  42. 43
    CIBC

    CIBC Aeroplan Visa Business Card

    For business spending

    Welcome value

    ~$1575

    Apply and earn up to $2,500 in value, which includes up to 75,000 Aeroplan points

    Annual fee
    $180
    Purchase APR
    12.99%
    8.6Cited · verified 2026-06-13View →
  43. 44
    CIBC

    CIBC Aventura Visa Card for Business

    For business spending

    Welcome value

    70k pts

    Join and earn up to $2,100 in value, including an annual fee rebate for the first 2 years

    Annual fee
    $120
    Purchase APR
    19.99%
    5.9Cited · verified 2026-06-13View →
  44. 45
    American Express

    Marriott Bonvoy Business American Express Card

    For business spending

    Welcome value

    80k pts

    Earn up to 80,000 Marriott Bonvoy points

    Annual fee
    $150
    Purchase APR
    21.99%
    5.8Cited · verified 2026-06-13View →
  45. 46
    Neo FinancialWorld Elite

    Neo World Elite Mastercard

    Cash back on everyday spending

    Welcome value

    No current offer

    Annual fee
    $149
    Purchase APR
    19.99%
    7.6Cited · verified 2026-06-13View →
  46. 47
    RBC Royal Bank

    RBC Avion Visa Business

    For business spending

    Welcome value

    35k pts

    35,000 welcome Avion points plus first-year annual fee waiver

    Annual fee
    $120
    Purchase APR
    19.99%
    5.9Cited · verified 2026-06-13View →
  47. 48
    TD Canada Trust

    TD Aeroplan Visa Business Card

    For business spending

    Welcome value

    ~$1260

    Up to $1,900 in value including up to 60,000 Aeroplan points and first-year annual fee rebate

    Annual fee
    $149
    Purchase APR
    14.99%
    8.6Cited · verified 2026-06-13View →
  48. 49
    TD Canada Trust

    TD Business Travel Visa Card

    For business spending

    Welcome value

    ~$1000

    Up to $1,300 in value including up to 200,000 TD Rewards Points and first-year annual fee rebate

    Annual fee
    $149
    Purchase APR
    19.99%
    8.3Cited · verified 2026-06-13View →
  49. 50
    TD Canada TrustInfinite

    TD Cash Back Visa Infinite* Card

    Cash back on everyday spending

    Welcome value

    No current offer

    Earn up to $600 in total value - 10% Cash Back in first 3 months plus first-year annual fee rebate

    Annual fee
    $139
    Purchase APR
    21.99%
    7.0Cited · verified 2026-06-13View →
  50. 51
    TD Canada TrustInfinite Privilege

    TD® Aeroplan® Visa Infinite Privilege* Card

    Travel points & miles

    Welcome value

    ~$1785

    Welcome bonus up to 85,000 Aeroplan points

    Annual fee
    $599
    Purchase APR
    21.99%
    8.1Cited · verified 2026-06-13View →
  51. 52
    TD Canada TrustInfinite

    TD® Aeroplan® Visa Infinite* Card

    Travel points & miles

    Welcome value

    ~$840

    Up to $1,350 in value including up to 40,000 Aeroplan points plus first-year annual fee rebate

    Annual fee
    $139
    Purchase APR
    21.99%
    7.8Cited · verified 2026-06-13View →
  52. 53
    TD Canada TrustInfinite

    TD® First Class Travel® Visa Infinite* Card

    Everyday rewards

    Welcome value

    ~$730

    Up to $1,300 in value including up to 146,000 TD Rewards Points plus first-year annual fee rebate

    Annual fee
    $139
    Purchase APR
    21.99%
    7.9Cited · verified 2026-06-13View →
  53. 54
    RBC Royal BankWorld Elite

    WestJet RBC World Elite Mastercard for Business

    For business spending

    Welcome value

    ~$450

    45,000 welcome WestJet points after your first purchase

    Annual fee
    $175
    Purchase APR
    19.99%
    7.4Cited · verified 2026-06-13View →

Frequently asked

What is the best premium credit cards in Canada?
Based on our value ranking, the Scotiabank Passport Visa Infinite Privilege Card from Scotiabank currently leads this category, with a $599 annual fee and 20.99% purchase APR. Rankings update daily.
How are these cards ranked?
We rank by estimated real value for the category, computed from the welcome offer, earn rates, annual fee, and benefits. Every figure is pulled from the official issuer page, never an affiliate feed.
How current is this information?
Fees, rates, and offers are checked regularly against the official issuer pages. This page was last updated 2026-07-29. Always confirm details on the issuer's site before applying.

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