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.
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
Scotiabank Passport Visa Infinite Privilege Card
VISAWelcome value, at a glance
Estimated CADMid-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- 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 → - 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 → - 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 → - 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 → - 6
TangerineWorld Elite
Tangerine Rewards World Elite Mastercard
Everyday rewards
Welcome value
~$300
Offer until Oct 30Get 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 → - 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 → - 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 → - 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 → - 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 → - 11
ScotiabankInfinite
Scotia Momentum Visa Infinite Card
Cash back on everyday spending
Welcome value
—
No current offer
Offer until Nov 115% 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 → - 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 → - 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 → - 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 → - 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 → - 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 → - 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 → - 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 → - 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 → - 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 → - 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 → - 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 → - 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 → - 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 → - 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 → - 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 → - 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 → - 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 → - 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 → - 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 → - 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 → - 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 → - 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 → - 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 → - 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 → - 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 → - 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 → - 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 → - 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 → - 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 → - 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 → - 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 → - 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 → - 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 → - 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 → - 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 → - 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 → - 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 → - 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 → - 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 → - 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 → - 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 → - 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 → - 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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