Best Visa Credit Cards in Canada - September 2026

Best Cards

Best Cards 1st Yr Free Cash Back Travel Groceries Gas & EV Business Low Interest

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Scotiabank Passport® Visa Infinite +* Card

Scotia Scene+

Annual fee: $150
Our valuation: $350Milesopedia first-year estimate First-year valueWelcome bonus$350Total$350Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
Welcome offer: Up to 35,000 points

Features
Issuer: Scotia
Network
Loyalty Program: Scene+

Fees and terms
Annual Fee: $150/yr
Min. annual income: $60,000+

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Rewards: Rate
Groceries: 2x
Restaurants: 2x
Transit: 2x
Entertainment: 2x

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CIBC Aventura® Visa Infinite* Card

CIBC CIBC Aventura First-Year Annual Fee Rebate

Annual fee: $0 $139No annual fee the first year
Our valuation: $839Milesopedia first-year estimate First-year valueWelcome bonus$540Annual fee rebated$139Annual credit$160Total$839Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
Welcome offer: Up to 45,000 points

Features
Issuer: CIBC
Network
Loyalty Program: CIBC Aventura

Fees and terms
Annual Fee: $139/yr
Min. annual income: $60,000+

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Rewards: Rate
Groceries: 1.5x
Gas & EV: 1.5x
Pharmacy: 1.5x

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Scotia Momentum® Visa Infinite +* Card

Scotia Cash BackFirst-Year Annual Fee Rebate

Annual fee: $0 $120No annual fee the first year
Our valuation: $420Milesopedia first-year estimate First-year valueWelcome bonus$300Annual fee rebated$120Total$420Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
Welcome offer: Up to $300 Cash Back

Features
Issuer: Scotia
Network
Loyalty Program: Cash Back

Fees and terms
Annual Fee: $120/yr
Min. annual income: $60,000+

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Rewards: Rate
Groceries: 4x
Bills & recurring payments: 4x
Telecom: 4x
Gas & EV: 2x
Transit: 2x
Streaming: 2x

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BMO eclipse Visa Infinite* Card

BMO BMO Rewards First-Year Annual Fee Rebate

Annual fee: $0 $120No annual fee the first year
Our valuation: $589Milesopedia first-year estimate First-year valueWelcome bonus$469Annual fee rebated$120Total$589Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
Welcome offer: Up to 70,000 points

Features
Issuer: BMO
Network
Loyalty Program: BMO Rewards

Fees and terms
Annual Fee: $120/yr
Min. annual income: $60,000+

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Rewards: Rate
Restaurants: 5x
Gas & EV: 5x
Groceries: 5x
Transit: 5x

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CIBC Dividend® Visa Infinite* Card

CIBC Cash BackFirst-Year Annual Fee Rebate

Annual fee: $0 $120No annual fee the first year
Our valuation: $420Milesopedia first-year estimate First-year valueWelcome bonus$300Annual fee rebated$120Total$420Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
Welcome offer: Up to $300 cash back

Features
Issuer: CIBC
Network
Loyalty Program: Cash Back

Fees and terms
Annual Fee: $120/yr
Min. annual income: $60,000+

Read full review

Rewards: Rate
Gas & EV: 4x
Groceries: 4x
Restaurants: 2x
Bills & recurring payments: 2x
Transit: 2x

Read full review

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