Best Visa credit cards in Canada
Visa credit cards from Canadian issuers, ranked by what each one is worth for your spending, after fees.
Card details updated November 10, 2026 How we rank
What’s in each?
- Light:
- Groceries $400, restaurants $100, gas $100, recurring bills $100, everything else (base rate) $250, foreign currency $50
- Typical:
- Groceries $800, restaurants $250, gas $250, recurring bills $250, travel $150, everything else (base rate) $650, foreign currency $150
- Big:
- Groceries $1,200, restaurants $500, gas $400, recurring bills $400, travel $500, everything else (base rate) $1,600, foreign currency $400
- Yours:
- Your own amounts, saved on this device only
Not sure which kind of card you need? Help me choose
39 of 80 Visa credit cards match your filters
Ranked by value in year one at $2,500 a month, after fees. How we rank
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Ranked 1. RBC Avion Visa Infinite Business
RBC · Visa
Worth in year one $2,033Then each year $5832.1% back on everything
- Welcome offer
- $1,275 you’d get The full offer. Up to 75,000 Avion points.
- Annual fee
- $0 first year Then $175 a year
Needs $60,000 personal or $100,000 household income
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Ranked 2. TD® Aeroplan® Visa Business Card
TD · Visa
Worth in year one $2,018Then each year $6694% back on flights, 2% back on everything else
- Welcome offer
- $1,200 you’d get The full offer. Up to 60,000 Aeroplan points.
- Annual fee
- $0 first year Then $149 a year
Income rule not listed
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Ranked 3. TD® Aeroplan® Visa Infinite Card
TD · Visa Expert Score 7.7 out of 10. Good
Worth in year one $1,896Then each year $7573% back on groceries, gas and flights, 2% back on everything else
- Welcome offer
- $1,000 you’d get The full offer. Up to 50,000 Aeroplan points.
- Annual fee
- $0 first year Then $139 a year
Needs $60,000 personal or $100,000 household income
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Ranked 4. RBC Avion Visa Infinite
RBC · Visa Expert Score 7.9 out of 10. Good
Worth in year one $1,623Then each year $5682.1% back on travel, 1.7% back on everything else
- Welcome offer
- $935 you’d get All of year one’s offer. Up to 70,000 Avion points.
- Annual fee
- $0 first year Then $120 a year
Needs $60,000 personal or $100,000 household income
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Best welcome offers right now
What you’d actually get at $2,500 a month.
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RBC Avion Visa Infinite Business
$1,275 you’d get
Up to 75,000 Avion points.
The full offer at your spending
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TD® Aeroplan® Visa Business Card
$1,200 you’d get
Up to 60,000 Aeroplan points.
The full offer at your spending
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RBC British Airways Visa Infinite
$1,000 you’d get
Up to 50,000 Avios.
The full offer at your spending
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TD® Aeroplan® Visa Infinite Card
$1,000 you’d get
Up to 50,000 Aeroplan points.
The full offer at your spending
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TD® Aeroplan® Visa Infinite Privilege Card
$1,000 you’d get
Up to 100,000 Aeroplan points.
All of year one’s offer at your spending
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RBC Avion Visa Infinite
$935 you’d get
Up to 70,000 Avion points.
All of year one’s offer at your spending
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Ranked 5. TD First Class Travel® Visa Infinite Card
TD · Visa Expert Score 7.6 out of 10. Good
Worth in year one $1,606Then each year $6674% back on travel, 1% back on everything else
- Welcome offer
- $800 you’d get The full offer. Up to 160,000 TD Rewards points.
- Annual fee
- $0 first year Then $139 a year
Needs $60,000 personal or $100,000 household income
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Read the full review: TD First Class Travel® Visa Infinite Card
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Ranked 6. RBC British Airways Visa Infinite
RBC · Visa Expert Score 7.5 out of 10. Good
Worth in year one $1,605Then each year $6056% back on flights, 2% back on everything else
- Welcome offer
- $1,000 you’d get The full offer. Up to 50,000 Avios.
- Annual fee
- $165 a year
Needs $60,000 personal or $100,000 household income
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Ranked 7. TD Business Travel Visa Card
TD · Visa Expert Score 7.3 out of 10. Good
Worth in year one $1,529Then each year $4804.5% back on travel, 1% back on everything else
- Welcome offer
- $900 you’d get All of year one’s offer. Up to 200,000 TD Rewards points.
- Annual fee
- $0 first year Then $149 a year
Income rule not listed
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Ranked 8. TD® Aeroplan® Visa Infinite Privilege Card
TD · Visa Expert Score 8.2 out of 10. Very good
Worth in year one $1,498Then each year $4984% back on flights, 2.5% back on everything else
- Welcome offer
- $1,000 you’d get All of year one’s offer. Up to 100,000 Aeroplan points.
- Annual fee
- $599 a year
Needs $150,000 personal or $200,000 household income
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Read the full review: TD® Aeroplan® Visa Infinite Privilege Card
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Ranked 9. RBC Avion Visa Platinum
RBC · Visa Expert Score 7.2 out of 10. Good
Worth in year one $1,385Then each year $4501.7% back on everything
- Welcome offer
- $935 you’d get All of year one’s offer. Up to 70,000 Avion points.
- Annual fee
- $120 a year
Income rule not listed
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Ranked 10. RBC Avion Visa Infinite Privilege
RBC · Visa Expert Score 7.9 out of 10. Good
Worth in year one $1,279Then each year $3442.1% back on everything
- Welcome offer
- $935 you’d get All of year one’s offer. Up to 100,000 Avion points.
- Annual fee
- $399 a year
Needs $200,000 personal or $200,000 household income
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Ranked 11. RBC Ion+ Visa
RBC · Visa
Worth in year one $1,245Then each year $1,0075.1% back on groceries, gas and restaurants, 1.7% back on everything else
- Welcome offer
- $238 you’d get The full offer. Up to 14,000 Avion points.
- Annual fee
- $48 a year
Income rule not listed
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Ranked 12. CIBC Aventura® Visa Infinite Card
CIBC · Visa Expert Score 8.1 out of 10. Very good
Worth in year one $1,241Then each year $5022% back on travel, 1% back on everything else
- Welcome offer
- $600 you’d get The full offer. Up to 60,000 Aventura points.
- Annual fee
- $0 first year Then $139 a year
Needs $60,000 personal or $100,000 household income
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Ranked 13. CIBC Aeroplan® Visa Business Card
CIBC · Visa
Worth in year one $1,238Then each year $5584% back on flights, 2% back on everything else
- Welcome offer
- $500 you’d get The full offer. Up to 25,000 Aeroplan points.
- Annual fee
- $0 first year Then $180 a year
Needs $35,000 personal income
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Ranked 14. RBC® Visa Business Platinum Avion®
RBC · Visa
Worth in year one $1,165Then each year $4501.7% back on everything
- Welcome offer
- $595 you’d get The full offer. Up to 35,000 Avion points.
- Annual fee
- $0 first year Then $120 a year
Income rule not listed
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Ranked 15. CIBC Aeroplan® Visa Business Plus Card
CIBC · Visa
Worth in year one $1,119Then each year $5994% back on flights, 2% back on everything else
- Welcome offer
- $400 you’d get The full offer. Up to 20,000 Aeroplan points.
- Annual fee
- $19 first year Then $139 a year
Income rule not listed
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Read the full review: CIBC Aeroplan® Visa Business Plus Card
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Ranked 16. Scotiabank Passport™ Visa Infinite+ Card
Scotiabank · Visa Expert Score 8.4 out of 10. Very good
Worth in year one $1,117Then each year $6174% back on hotels, 1% back on everything else
- Welcome offer
- $350 you’d get All of year one’s offer. Up to 45,000 Scene+ points.
- Annual fee
- $0 first year Then $150 a year
Needs $60,000 personal income
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Read the full review: Scotiabank Passport™ Visa Infinite+ Card
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Ranked 17. CIBC Aeroplan® Visa Infinite Privilege Card
CIBC · Visa
Worth in year one $1,098Then each year $4984% back on flights, 2.5% back on everything else
- Welcome offer
- $600 you’d get The full offer. Up to 30,000 Aeroplan points.
- Annual fee
- $599 a year
Needs $150,000 personal or $200,000 household income
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Read the full review: CIBC Aeroplan® Visa Infinite Privilege Card
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Ranked 18. CIBC Aeroplan® Visa Infinite* Card
CIBC · Visa Expert Score 7.7 out of 10. Good
Worth in year one $1,042Then each year $5423% back on groceries, gas and flights, 2% back on everything else
- Welcome offer
- $500 you’d get All of year one’s offer. Up to 50,000 Aeroplan points.
- Annual fee
- $139 a year
Needs $60,000 personal or $100,000 household income
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Ranked 19. TD® Aeroplan® Visa Platinum Card
TD · Visa Expert Score 7.7 out of 10. Good
Worth in year one $1,004Then each year $5152% back on groceries, gas and flights, 1.3% back on everything else
- Welcome offer
- $400 you’d get The full offer. Up to 20,000 Aeroplan points.
- Annual fee
- $0 first year Then $89 a year
Income rule not listed
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Ranked 20. BMO® Eclipse Visa Infinite Privilege* Card
BMO · Visa Expert Score 7.6 out of 10. Good
Worth in year one $909Then each year $3733.4% back on groceries, gas and travel, 0.7% back on everything else
- Welcome offer
- $536 you’d get Part of a $1,340 offer. Up to 200,000 BMO Rewards points.
- Annual fee
- $599 a year
Needs $150,000 personal or $200,000 household income
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Read the full review: BMO® Eclipse Visa Infinite Privilege* Card
Showing 20 of 39 cards
Filters
Your spending a month
Your balance
How we rank cards
The list is math only: one set of rules, worked out for the choices you made.
What Year one and Every year mean
Year one is what a card is worth in its first year at your spending: the rewards it earns, plus any welcome offer your spending would reach, minus the first year’s annual fee.
Every year after leaves out the welcome offer and takes off the full annual fee, so a big offer can’t hide a weak earn rate.
We rank by the one you pick. When two cards come out the same, the one with the higher score goes first. Values are estimates, rounded to the dollar.
What’s in each spending choice
Each choice is an example month of spending, split across the kinds of spending cards reward differently. Pick the one closest to yours.
- Light, $1,000 a month: Groceries $400, restaurants $100, gas $100, recurring bills $100, everything else (base rate) $250, foreign currency $50
- Typical, $2,500 a month: Groceries $800, restaurants $250, gas $250, recurring bills $250, travel $150, everything else (base rate) $650, foreign currency $150
- Big, $5,000 a month: Groceries $1,200, restaurants $500, gas $400, recurring bills $400, travel $500, everything else (base rate) $1,600, foreign currency $400
How we value points
Each points program gets one value per point, taken from the program’s own valuation. Cards in the same program use the same value, so two cards that earn the same points are judged the same way.
- Aeroplan: 2 cents a point
- American Express Membership Rewards: 1.7 cents a point
- BMO Rewards: 0.67 cents a point
- British Airways Club: 2 cents a point
- Cathay Asia Miles: 1.5 cents a point
- CIBC Aventura: 1 cents a point
- Desjardins BONUSDOLLARS: 100 cents a point
- Flying Blue: 1.9 cents a point
- Marriott Bonvoy: 0.8 cents a point
- moi Rewards: 0.8 cents a point
- More Rewards: 0.2 cents a point
- National Bank a la carte Rewards: 0.9 cents a point
- PC Optimum: 0.1 cents a point
- RBC Avion: 1.7 cents a point
- Scene+: 1 cents a point
- TD Rewards: 0.5 cents a point
- Triangle Rewards: 100 cents a point
- United MileagePlus: 1.6 cents a point
- VIPorter: 1.5 cents a point
- WestJet Rewards: 1 cents a point
A card whose points we can’t value yet shows its points and sorts after the cards we can value.
What Low interest adds up
Low interest ranks by what a year of carrying a balance would cost: interest at the card’s purchase rate, plus the annual fee. It assumes the balance stays the same all year and leaves out rewards and welcome offers.
A balance transfer offer shows on the card when it has one, but it doesn’t change the order.
Does pay change the order?
No. The order comes only from the math above. We get paid when you apply through some links, and a bank can pay to show a card in a spot marked Sponsored. Pay never moves a card in the ranked list or changes its score.
Help me choose
Four quick questions, then a list that fits. Your answers only set the list. We don’t keep them.
Show the questions as a form
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Cards by bank
Rates, fees and offers come from the card issuers and change often. We work to keep this page accurate and current, but it may contain mistakes, so always check the issuer’s terms before you apply. Values are estimates for the spending you picked, rounded to the nearest dollar.
Spot something wrong? We’ll check it with the bank. Suggest a correction