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 2026-06-14. Always confirm details on the issuer's site before applying.

Ranked by value

Best Premium Credit Cards in Canada

High-end cards with lounge access, insurance, and concierge. 50 cards, ranked. Every figure cites the official issuer page. Updated 2026-06-14.

ScotiabankInfinite Privilege

Scotiabank Passport Visa Infinite Privilege Card

Great for travel abroad

Welcome bonus

~$300

Earn 30,000 bonus Scene+ points

Fee: $599
APR: 20.99%

ScotiabankPlatinum

Scotiabank Platinum American Express Card

Great for travel abroad

Welcome bonus

~$800

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

Fee: $399
APR: 9.99%

ScotiabankInfinite

Scotiabank Passport Visa Infinite Card

Great for travel abroad

Welcome bonus

~$500

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

Fee: $150
APR: 20.99%

ScotiabankInfinite

Scotiabank Passport Visa Infinite Business Card

For business spending

Welcome bonus

40k pts

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

Fee: $199
APR: 20.99%

BMOWorld Elite

BMO Ascend World Elite Mastercard

Everyday rewards

Welcome bonus

No current offer

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

Fee: $150
APR: 21.99%

TangerineWorld Elite

Tangerine Rewards World Elite Mastercard

Everyday rewards

Welcome bonus

~$300

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

Fee: $120
APR: 20.95%

American Express

American Express® Gold Rewards Card

Everyday rewards

Welcome bonus

~$1200

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

Fee: $250
APR: 21.99%

WealthsimpleVisa Infinite Privilege

Wealthsimple Credit Card

Great for travel abroad

Welcome bonus

No current offer

Fee: $240
APR: 20.99%

ScotiabankInfinite

Scotia Momentum Visa Infinite Card

Cash back on everyday spending

Welcome bonus

No current offer

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

Fee: $120
APR: 20.99%

Scotiabank

Scotiabank Gold American Express Card

Great for travel abroad

Welcome bonus

~$450

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

Fee: $120
APR: 21.99%

PC FinancialWorld Elite

PC Insiders World Elite Mastercard

Everyday rewards

Welcome bonus

No current offer

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

Fee: $120
APR: 21.99%

Neo FinancialWorld Elite

United MileagePlus Neo World Elite Mastercard

Travel points & miles

Welcome bonus

25k pts

Up to 25,000 MileagePlus miles

Fee: $89
APR: 19.99%

PC FinancialWorld Elite

PC World Elite Mastercard

No annual fee rewards

Welcome bonus

No current offer

Enjoy 50,000 bonus PC Optimum™ points

Fee: No fee
APR: 21.99%

RBC Royal BankInfinite

RBC Avion Visa Infinite

Travel points & miles

Welcome bonus

~$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

Fee: $120
APR: 20.99%

RBC Royal BankInfinite Privilege

RBC Avion Visa Infinite Privilege

Travel points & miles

Welcome bonus

~$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

Fee: $399
APR: 20.99%

RBC Royal BankWorld Elite

RBC Cash Back Preferred World Elite Mastercard

Cash back on everyday spending

Welcome bonus

No current offer

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

Fee: $99
APR: 20.99%

Rogers BankWorld Elite Mastercard

Rogers Red World Elite Mastercard

Cash back on everyday spending

Welcome bonus

No current offer

Fee: No fee
APR: 20.99%

BMOWorld Elite

BMO CashBack World Elite Mastercard

Cash back on everyday spending

Welcome bonus

No current offer

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

Fee: $139
APR: 21.99%

CIBCVisa Infinite

CIBC Aeroplan Visa Infinite Card

Travel points & miles

Welcome bonus

No current offer

Fee: $139
APR: 21.99%

CIBCVisa Infinite Privilege

CIBC Aeroplan Visa Infinite Privilege Card

Travel points & miles

Welcome bonus

No current offer

Fee: $599
APR: 21.99%

CIBCGold

CIBC Aventura Gold Visa Card

Everyday rewards

Welcome bonus

60k pts

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

Fee: $139
APR: —

CIBCVisa Infinite

CIBC Aventura Visa Infinite Card

Everyday rewards

Welcome bonus

60k pts

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

Fee: $139
APR: 21.99%

CIBCVisa Infinite

CIBC Dividend Visa Infinite Card

Cash back on everyday spending

Welcome bonus

No current offer

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

Fee: $120
APR: —

RBC Royal BankPlatinum

RBC Visa Platinum Avion

Travel points & miles

Welcome bonus

~$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

Fee: $120
APR: 20.99%

American Express

American Express® Aeroplan®* Card

Travel points & miles

Welcome bonus

~$945

Earn up to 45,000 Aeroplan points

Fee: $120
APR: 21.99%

Neo FinancialWorld Elite

Cathay World Elite Mastercard

Travel points & miles

Welcome bonus

35k pts

Up to 35,000 Asia Miles

Fee: $180
APR: 19.99%

American Express

Marriott Bonvoy® American Express®* Card

Everyday rewards

Welcome bonus

70k pts

Earn up to 70,000 Marriott Bonvoy points

Fee: $120
APR: 21.99%

RBC Royal BankInfinite

RBC British Airways Visa Infinite

Travel points & miles

Welcome bonus

No current offer

Offer available

Fee: $165
APR: 20.50%

American ExpressReserve

The American Express® Aeroplan®* Reserve Card

Travel points & miles

Welcome bonus

~$2310

Earn up to 110,000 Aeroplan points

Fee: $599
APR: 21.99%

American Express

The American Express® Cobalt® Card

Everyday rewards

Welcome bonus

~$300

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

Fee: $191.88
APR: 21.99%

American ExpressPlatinum

The Platinum Card®

Everyday rewards

Welcome bonus

~$2600

Earn up to 130,000 Membership Rewards points

Fee: $799
APR: 21.99%

RBC Royal BankWorld Elite

WestJet RBC World Elite Mastercard

Travel points & miles

Welcome bonus

~$450

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

Fee: $139
APR: 20.99%

American Express

American Express Aeroplan Business Reserve Card

For business spending

Welcome bonus

~$2520

Earn up to 120,000 Welcome Bonus Aeroplan points

Fee: $599
APR: 21.99%

American Express

American Express Business Gold Rewards Card

For business spending

Welcome bonus

~$1400

Earn up to 70,000 Membership Rewards points

Fee: $199
APR: —

BMOWorld Elite

BMO Air Miles World Elite Mastercard

Everyday rewards

Welcome bonus

No current offer

Fee: —
APR: —

BMOWorld Elite

BMO Ascend World Elite Business Mastercard

For business spending

Welcome bonus

150k pts

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

Fee: $175
APR: 18.99%

BMOWorld Elite

BMO Blue Rewards World Elite Business Mastercard

For business spending

Welcome bonus

No current offer

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

Fee: $175
APR: 20.99%

American Express

Business Platinum Card from American Express

For business spending

Welcome bonus

~$1000

Earn up to 50,000 Membership Rewards points

Fee: $799
APR: —

CIBC

CIBC Aeroplan Visa Business Card

For business spending

Welcome bonus

~$1575

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

Fee: $180
APR: 12.99%

CIBC

CIBC Aventura Visa Card for Business

For business spending

Welcome bonus

70k pts

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

Fee: $120
APR: 19.99%

American Express

Marriott Bonvoy Business American Express Card

For business spending

Welcome bonus

80k pts

Earn up to 80,000 Marriott Bonvoy points

Fee: $150
APR: 21.99%

Neo FinancialWorld Elite

Neo World Elite Mastercard

Cash back on everyday spending

Welcome bonus

No current offer

Fee: $149
APR: 19.99%

RBC Royal Bank

RBC Avion Visa Business

For business spending

Welcome bonus

35k pts

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

Fee: $120
APR: 19.99%

TD Canada Trust

TD Aeroplan Visa Business Card

For business spending

Welcome bonus

~$1260

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

Fee: $149
APR: 14.99%

TD Canada Trust

TD Business Travel Visa Card

For business spending

Welcome bonus

~$1000

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

Fee: $149
APR: 19.99%

TD Canada TrustInfinite

TD Cash Back Visa Infinite* Card

Cash back on everyday spending

Welcome bonus

No current offer

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

Fee: $139
APR: 21.99%

TD Canada TrustInfinite Privilege

TD® Aeroplan® Visa Infinite Privilege* Card

Travel points & miles

Welcome bonus

~$1785

Welcome bonus up to 85,000 Aeroplan points

Fee: $599
APR: 21.99%

TD Canada TrustInfinite

TD® Aeroplan® Visa Infinite* Card

Travel points & miles

Welcome bonus

~$840

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

Fee: $139
APR: 21.99%

TD Canada TrustInfinite

TD® First Class Travel® Visa Infinite* Card

Everyday rewards

Welcome bonus

~$730

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

Fee: $139
APR: 21.99%

RBC Royal BankWorld Elite

WestJet RBC World Elite Mastercard for Business

For business spending

Welcome bonus

~$450

45,000 welcome WestJet points after your first purchase

Fee: $175
APR: 19.99%

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 2026-06-14. Always confirm details on the issuer's site before applying.

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