Ranked by value
Credit Cards for $80,000 Income in Canada (July 2026)
14 cards for this income bracket, ranked. Every figure cites the official issuer page. Updated 2026-07-29.
The best credit card for a $80,000 income in Canada right now is the PC Insiders World Elite Mastercard from PC Financial, leading our ranking of 14 cards with a $120 annual fee and 21.99% purchase APR. We rank by the Canada Cards Score, with every figure sourced from official issuer pages and refreshed 2026-07-29.
PC Insiders World Elite Mastercard
PC Financial
Welcome value
No current offer
Annual fee
$120
Purchase APR
21.99%
- Earn 70% on gas stations
- 6 insurance coverages
PC Insiders World Elite Mastercard
MASTERCARDWelcome value, at a glance
Estimated CADMid-market point valuations, used only to compare cards. Not issuer-guaranteed. Confirm offers on the issuer page.
All cards for this income
13 more cards- 2
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 → - 3
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 → - 4
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 → - 5
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 → - 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
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 → - 8
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 → - 9
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 → - 10
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 → - 11
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 → - 12
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 → - 13
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 → - 14
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 →
Frequently asked
- What is the best credit card for a $80,000 income in Canada?
- Based on our value ranking, the PC Insiders World Elite Mastercard from PC Financial leads for this income bracket with a $120 annual fee and 21.99% purchase APR. Rankings update daily.
- How are these cards ranked?
- We rank by the Canada Cards Score, computed from everyday earn rate, welcome value, annual-fee value, benefits depth, and interest cost. Every figure is pulled from the official issuer page.
- 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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