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Growing Wealth
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With over 200 credit cards available to Canadians, choosing the wrong one can cost you hundreds of dollars a year in missed rewards — or worse, annual fees that never pay for themselves.
The right card, on the other hand, can quietly earn you $500, $800, even $1,200+ per year just by paying for things you were already buying.
This guide cuts through the noise. We’ve analyzed dozens of Canadian credit cards across every category — cash back, travel, no-fee, and flat-rate — and ranked the best options for 2026 based on real reward value, not just headline numbers.
What you’ll find here: honest card reviews with exact earn rates, real dollar estimates, who each card is actually best for, and a clear recommendation based on your spending habits.
Quick Answer:
For most Canadians in 2026, the BMO CashBack World Elite is the top cash back card, the American Express Cobalt is the top travel card, and the Tangerine Money-Back Card is the best no-fee option. Not sure which fits you? Keep reading — we’ll tell you exactly which card matches your situation.
Who This Guide Is For
This guide is for Canadians who want to earn more on everyday spending — groceries, gas, subscriptions, and bills — without spending hours comparing fine print across bank websites.
Whether you want:
- Simple cash back with no complicated redemptions
- Travel rewards that stretch further than economy class
- No annual fee with solid everyday returns
- A two-card strategy that maximizes every dollar
…we’ve done the analysis so you don’t have to.
Note: All card details, earn rates, and welcome offers were verified against issuer websites and are current as of April 2026. Offers change frequently — always confirm terms directly with the card issuer before applying.
Best Credit Cards in Canada: Quick Comparison (2026)
| Card | Annual Fee | Best Earn Rate | Welcome Bonus | Best For | Min. Income |
|---|---|---|---|---|---|
| BMO CashBack World Elite | $120 (yr 1 free) | 5% groceries | Up to $480 cash back | Grocery spenders | $80K personal |
| Amex Cobalt | $191.88/yr | 5x food & drinks | 15,000 pts ($150 value) | Food & travel rewards | None |
| Scotia Momentum Visa Infinite | $120 (yr 1 free) | 4% groceries & bills | Up to $200 cash back | High recurring bills | $60K personal |
| TD Cash Back Visa Infinite | $139 (yr 1 free) | 3% on 5 categories | Up to $350 cash back | Drivers & streamers | $60K personal |
| Rogers Red World Elite | $0 | 3% USD / 2% all | None | Rogers customers | $80K personal |
| Tangerine Money-Back | $0 | 2% in 3 categories | Up to $100 cash back | Budget-conscious | $12K personal |
How We Chose These Cards
We evaluated dozens of Canadian credit cards across six criteria:
Reward value — We calculated estimated annual cash back or points value based on average Canadian household spending from Statistics Canada, weighting heavily toward groceries, gas, recurring bills, and transit.
Fee-to-reward ratio — Every card with an annual fee was assessed on whether a typical household could realistically earn back the fee. Cards where the math doesn’t work for average spenders were cut.
Welcome bonus quality — We assessed size, accessibility, and spending requirements of each offer — prioritizing bonuses that don’t require unusually high spend to unlock.
Eligibility — We included cards across a range of income thresholds, from $12,000 to $80,000+, so there’s a strong option for every Canadian regardless of where they are financially.
Insurance and benefits — Built-in coverage — travel medical, purchase protection, mobile device, roadside assistance — was factored into overall value, not just earn rates.
Acceptance and practicality — We flagged acceptance limitations (particularly Amex) that affect real-world usability.
How Much Can You Actually Earn With a Rewards Card?
Before diving into specific cards, it’s worth understanding the real dollar value at stake. According to Statistics Canada’s Household Spending Survey, the average Canadian household spends approximately:
| Category | Average Annual Spend |
|---|---|
| Housing | ~$22,000 |
| Transportation | ~$13,000 |
| Food | ~$10,300 |
| Recreation & Travel | ~$5,600 |
Run those numbers through a strong cash back card and the annual return is significant:
| Household Annual Spend | 2% Flat Rate | Category Cash Back | Travel Rewards |
|---|---|---|---|
| $30,000 | $600 | $700–$900 | $700–$1,200 |
| $60,000 | $1,200 | $1,400–$1,800 | $1,500–$2,400+ |
The difference between a flat-rate card and an optimized category card can be $300–$600 per year for a typical Canadian family. That’s real money — and it comes from purchases you’re already making.
Best Cash Back Credit Cards in Canada
Cash back cards give you a straightforward percentage of spending back as cash — no points to track, no redemption windows to manage. They work particularly well for families who want simple rewards without complicated systems.
🏆 #1: BMO CashBack World Elite Mastercard
⭐ Best for: Families who spend heavily on groceries
The BMO CashBack World Elite has the highest grocery cash back rate in Canada. Full stop. If groceries are your biggest spending category — and for most Canadian families they are — this card wins.
| Detail | Info |
|---|---|
| Annual Fee | $120 (waived first year) |
| Welcome Bonus | Up to $480 cash back ($40/month when you spend $2,000/month for 12 months) |
| Income Required | $80,000 personal or $150,000 household |
| Network | Mastercard |
Earn Rates
- 5% on groceries (up to $500/month)
- 4% on daily transit and public transportation (up to $300/month)
- 3% on gas and EV charging (up to $300/month)
- 2% on recurring bill payments (up to $500/month)
- 1% on everything else
What’s Included
- Complimentary roadside assistance (DAA membership)
- Emergency travel medical insurance, trip interruption, and rental car coverage
- Extended warranty and purchase protection
- Mastercard Travel Pass airport lounge access via DragonPass
- 0% introductory interest on balance transfers for 12 months (2% transfer fee)
Pros
- Highest grocery cash back rate in Canada
- First year annual fee fully waived
- Welcome bonus is among the richest available on any Canadian cash back card
- Roadside assistance included — rare at this price point
Cons
- Monthly spending caps on each bonus category
- High income requirement excludes many Canadians
- Cash back paid annually rather than monthly
The bottom line: If you’re spending $800+ per month at the grocery store, there’s genuinely no reason not to have this card. Maxing the grocery category alone earns $300 cash back per year — more than covering the $120 annual fee before you earn a single dollar back on gas, transit, or bills.
Apply here for the BMO CashBack World Elite card
For a full breakdown of the strongest cash back cards in Canada, check out our Best Cash Back Credit Cards Canada article.
🥈 #2: Scotia Momentum Visa Infinite
⭐ Best for: Families with high recurring bills and subscriptions
The Scotia Momentum is the strongest card in Canada for households that pay a lot in subscriptions, utilities, and recurring payments. Its 4% earn rate applies to groceries and recurring bills — a combination no other card matches.
| Detail | Info |
|---|---|
| Annual Fee | $120 (waived first year — offer ends April 30, 2026) |
| Welcome Bonus | 10% cash back on first $2,000 in purchases within first 3 months (up to $200) |
| Income Required | $60,000 personal or $100,000 household |
| Network | Visa Infinite |
Earn Rates
- 4% on groceries and recurring bill payments/subscriptions
- 2% on gas, EV charging, public transit, and food delivery
- 1% on everything else
- No cap on total cash back earned ($25,000 annual cap applies to 4% and 2% categories)
What’s Included
- Comprehensive travel insurance: emergency medical, trip cancellation, trip interruption, flight delay, lost baggage
- Mobile device insurance
- Rental car collision/loss damage coverage
- Visa Infinite concierge and hotel benefits
- Redeem cash back anytime via Scotia app (minimum $25) — no more waiting until November
Pros
- 4% on recurring bills is exceptional and rare — internet, phone, Netflix, utilities all qualify
- Lower income requirement than BMO ($60K vs $80K)
- Named best cash back credit card in Canada by Milesopedia for 2026
- Travel insurance package is more comprehensive than most cash back cards
Cons
- $25,000 annual spending cap on bonus categories
- 2.5% foreign transaction fee
- Cash back only redeemable as statement credit
The bottom line: If your household is spending $1,500+/month between groceries and recurring bills, this card can realistically generate $700–$900 in annual cash back — well above the $120 fee. The lower income requirement also makes it accessible to more Canadians than the BMO card.
🥉 #3: TD Cash Back Visa Infinite
⭐ Best for: Drivers, families, and streaming/gaming households
The TD Cash Back Visa Infinite covers the broadest range of 3% categories of any Canadian cash back card — including streaming, digital gaming, and media. It also includes free roadside assistance, which alone can be worth $100+ per year.
| Detail | Info |
|---|---|
| Annual Fee | $139 (waived first year) |
| Welcome Bonus | 10% cash back on up to $3,500 in eligible purchases within first 3 months (up to $350) |
| Income Required | $60,000 personal or $100,000 household |
| Network | Visa Infinite |
Earn Rates
- 3% on groceries, gas and EV charging, public transit, recurring bill payments, streaming, digital gaming and media
- 1% on everything else
- $15,000 annual spending cap per category at the 3% rate
What’s Included
- Free Deluxe TD Auto Club Membership (24/7 roadside assistance — comparable to CAA Plus)
- Emergency travel medical insurance
- Lost and delayed baggage coverage
- Rental car collision/loss damage insurance
- Mobile device insurance
- Visa Infinite concierge access
- Discounts at Avis and Budget car rentals
- Starbucks Stars bonus when linked to your Starbucks account
Pros
- Widest category coverage at 3% of any Canadian cash back card
- Free roadside assistance alone saves most families the annual fee
- Largest welcome bonus potential in this category ($3,500 eligible spend)
- Anytime redemption with $25 minimum via TD app
Cons
- $139 annual fee is higher than comparable cards
- No dining category at 3% — a notable gap
- No trip cancellation insurance
- $15,000 per-category cap limits very heavy spenders
The bottom line: The streaming and digital gaming category at 3% is genuinely rare in Canada and makes this card a standout for households with multiple subscriptions and gaming spend. Pair the roadside assistance benefit with the broad category coverage and this card pays for itself quickly for most families.
Apply here for a TD Cash Back Visa Infinite card
For a full breakdown of every cash back card in Canada, read our Best Cash Back Credit Cards Canada guide.
Best Travel Credit Cards in Canada
Travel credit cards earn points that can be redeemed for flights, hotels, and experiences. At their best, points programs unlock redemption value that cash back simply can’t match — particularly for business class flights and premium hotel stays.
Most strong travel cards also include valuable insurance: emergency medical coverage, trip cancellation, rental car protection, and sometimes airport lounge access.
🏆 #1: American Express Cobalt Card
⭐ Best for: Canadians who spend on food and want flexible travel rewards
The Amex Cobalt has been named Canada’s best overall credit card by creditcardGenius for nine consecutive years. Its combination of exceptional everyday earn rates and Canada’s most flexible points program is hard to beat.
| Detail | Info |
|---|---|
| Annual Fee | $191.88/year ($15.99/month) |
| Welcome Bonus | Up to 15,000 points — 1,250 points/month when you spend $750/month for 12 months (~$150 value at minimum) |
| Income Required | None |
| Network | American Express |
Earn Rates
- 5x points on eats and drinks in Canada — groceries, restaurants, cafes, food delivery (up to $2,500/month)
- 3x points on eligible streaming subscriptions
- 2x points on gas, transit, and ride sharing
- 1x points on everything else
What’s Included
- Emergency travel medical insurance ($5 million coverage)
- Mobile device insurance
- Flight delay and baggage insurance
- Hotel Collection benefits — room upgrades, late checkout
- Amex Front of the Line presale tickets and Amex Experiences access
Points Redemption Options
Points are worth 1 cent each as statement credits or for travel booked through Amex. But transferred to airline partners, they can be worth significantly more:
- Aeroplan (Air Canada flights)
- British Airways Avios (connecting flights and partner airlines)
- Air France Flying Blue
- Marriott Bonvoy (hotel redemptions)
For Canadians who travel Air Canada, transferring Cobalt points to Aeroplan at 1:1 is one of the best redemptions available on any Canadian card.
Pros
- No minimum income requirement — more accessible than most premium rewards cards
- Monthly fee structure — cancel any month without losing a full year’s payment
- Canada’s most flexible points program with multiple airline transfer partners
- Soft credit check for pre-approval (no impact to your credit score)
- J.D. Power #1 ranked card issuer in Canada for customer satisfaction
Cons
- Not accepted at Costco or some smaller retailers
- No lounge access included
- No trip cancellation insurance — you’d need a second card for that
- 2.5% foreign transaction fee
- Cobalt Perks benefit recently removed (as of early 2026)
The bottom line: If you spend heavily on food — groceries, restaurants, or delivery — and you want your rewards to eventually become flights, the Cobalt is the best starting point in Canada. The lack of an income requirement also makes it one of the few premium travel cards accessible to younger Canadians.
Apply here for the Amex Cobalt card
For a full comparison of every travel card in Canada, read our Best Travel Credit Cards Canada guide.
Best No-Fee Credit Cards in Canada
No-fee cards are ideal for Canadians who don’t want an annual cost eating into their rewards, people building or rebuilding credit, or anyone looking for a strong backup card. The best no-fee cards today are genuinely competitive — not consolation prizes.
🏆 #1: Tangerine Money-Back Credit Card
⭐ Best for: Budget-conscious Canadians who want customizable rewards
The Tangerine Money-Back Card is the most flexible no-fee card in Canada. You choose your own 2% categories — and you can change them every 90 days to match your life. That kind of adaptability is rare at any fee level, let alone zero.
| Detail | Info |
|---|---|
| Annual Fee | $0 |
| Welcome Bonus | 10% cash back on up to $1,000 in first 2 months (up to $100) — valid until April 30, 2026 |
| Income Required | $12,000 personal |
| Network | Mastercard |
Earn Rates
- 2% cash back in 2 categories of your choice (from 13 options)
- 2% cash back in a 3rd category if you deposit rewards into a Tangerine Savings Account
- 0.5% on all other purchases
- No cap — unlimited cash back
Your 13 category choices: Groceries, gas, restaurants, recurring bills, entertainment, home furnishings, hotels, pharmacy, transportation, renovations, gaming, fitness, and foreign currency purchases.
What’s Included
- Purchase assurance and extended warranty
- Rental car collision/loss damage insurance
- Mobile device insurance
- 1.95% balance transfer rate for first 6 months (transfers made within first 30 days)
- Cash back paid monthly — not once a year
- Up to 5 free authorized users
Pros
- Only $12,000 income requirement — one of Canada’s most accessible rewards cards
- Choose your own categories and adjust every 90 days
- Unlimited cash back with no annual cap
- Monthly payouts rather than waiting all year
- Tangerine rated #1 in customer satisfaction among midsize banks for 14 consecutive years
Cons
- Only 0.5% on purchases outside your chosen categories
- Requires a Tangerine savings account to unlock the third 2% category
- No travel medical insurance
The bottom line: It’s not the flashiest card in Canada, but it might be the smartest one for most Canadians. With a $12,000 income threshold, it’s one of the few strong rewards cards accessible to students, newcomers, and anyone earlier in their financial journey. It also works brilliantly as a companion card — assign your highest-spend categories here and let another card handle the rest.
Apply here for the Tangerine Money-Back card
For a full comparison of no-fee cards, read our Best No Fee Credit Cards Canada guide.
🥈 #2: Rogers Red World Elite Mastercard
⭐ Best for: Rogers/Fido/Shaw customers and cross-border shoppers
The Rogers Red World Elite is the best pure flat-rate no-fee card in Canada — and for Rogers customers or anyone who regularly shops in U.S. dollars, it’s genuinely exceptional. Named Best Cash Back Credit Card by Frugal Flyer’s 2026 awards.
| Detail | Info |
|---|---|
| Annual Fee | $0 |
| Welcome Bonus | None currently |
| Income Required | $80,000 personal or $150,000 household |
| Network | World Elite Mastercard |
Earn Rates
- 2% unlimited cash back on all non-USD purchases (with a Rogers, Fido, Shaw, or Comwave service)
- 1.5% on all non-USD purchases (without a qualifying Rogers service)
- 3% unlimited cash back on all U.S. dollar purchases
- 1.5x redemption bonus on Rogers/Fido/Shaw bill payments — effectively 3% value for Rogers customers
⚠️ Important: Annual spending caps are being introduced August 4, 2026. Review updated terms before applying after that date.
What’s Included
- Emergency travel medical insurance (10 days, under age 65)
- Trip interruption and trip delay coverage — extremely rare on a no-fee card
- Rental car collision/loss damage insurance
- Mastercard Travel Pass by DragonPass (lounge access at $32 USD per visit)
- 5 free Roam Like Home days annually for eligible Rogers mobile plan holders
Pros
- No annual fee with genuinely competitive flat rate
- 3% on USD purchases is the best rate available in Canada with no annual fee
- Trip interruption insurance on a no-fee card is almost unheard of
- No spending caps on cash back (until August 2026)
- Simple — no category tracking needed
Cons
- High income requirement ($80K personal) excludes many Canadians
- Best rates require a Rogers/Fido/Shaw account — non-customers earn only 1.5%
- No welcome bonus
- Lounge visits cost $32 USD each despite the membership
- Spending caps arriving August 2026
The bottom line: If you’re already paying a Rogers, Fido, or Shaw bill every month, this card is essentially free money — 2% back on everything, paid for by doing nothing differently. And if you cross-border shop or travel to the U.S., the 3% USD rate is the best available anywhere with zero annual fee.
Cash Back vs Travel Rewards: Which Is Right for You?
This is the question most Canadians wrestle with — and the honest answer is that it depends on your lifestyle, not which sounds more exciting.
Choose cash back if:
- You want simple, predictable rewards you can use for anything
- You don’t travel frequently enough to redeem points for flights
- You prefer knowing exactly what your rewards are worth
- You want monthly payouts rather than banking points
Choose travel rewards if:
- You fly at least once or twice a year
- You’re willing to learn a points program to get outsized value
- You’re interested in business class or premium hotel redemptions
- You have flexibility in when and where you travel
For a full comparison with real dollar examples, read our Cash Back vs Travel Rewards guide.
Is It Worth Paying an Annual Fee for a Credit Card in Canada?
Yes — for most Canadians who spend regularly, an annual fee card will outperform a no-fee card by a meaningful margin.
The math is straightforward: a $120 annual fee card that earns 4–5% on groceries will outperform a no-fee card earning 1–2% for any household spending more than $500/month on groceries. At $800/month in grocery spending, a 5% card returns $480/year versus $192 on a 2% no-fee card — a difference of $288 before any other category.
That said, if your monthly spending is low or unpredictable, a no-fee card like Tangerine removes the risk entirely.
Read our full breakdown: Is an Annual Fee Credit Card Worth It in Canada?
The Best Two-Card Strategy for Canadian Families
Many Canadians maximize rewards by pairing two cards — one for high-value categories, one flat-rate for everything else. This approach captures the best earn rate on your biggest spending categories while ensuring nothing slips through at a bad rate.
Our recommended combination:
Card 1 — BMO CashBack World Elite (or Scotia Momentum Visa Infinite) → Use for groceries, gas, transit, recurring bills
Card 2 — Rogers Red World Elite → Use for everything else at a flat 1.5–2%
This pairing earns 4–5% where it matters most and never drops below 1.5% on anything else — with a combined annual fee of just $120 in year two and zero in year one.
An alternative pairing for travel lovers: Amex Cobalt for food and dining + any Visa or Mastercard for everywhere Amex isn’t accepted.
Which Credit Card Is Best for Your Situation?
Not sure where to start? Here’s our direct recommendation based on your situation:
| Your Situation | Best Card |
|---|---|
| Heavy grocery spender | BMO CashBack World Elite |
| High recurring bills (phone, internet, streaming) | Scotia Momentum Visa Infinite |
| Want travel rewards | American Express Cobalt |
| Want no annual fee + flexibility | Tangerine Money-Back |
| Rogers/Fido/Shaw customer | Rogers Red World Elite |
| Driver + streamer + gamer | TD Cash Back Visa Infinite |
| Building credit / newcomer to Canada | Tangerine Money-Back |
| Cross-border shopper / U.S. spending | Rogers Red World Elite |
| Want one card that does everything | American Express Cobalt |
How to Use Credit Cards Responsibly
Rewards only matter if the card is used responsibly. Interest rates on Canadian credit cards typically exceed 20% annually — one month of carrying a balance can wipe out months of cash back earnings.
The Financial Consumer Agency of Canada recommends:
- Pay your full balance every month — non-negotiable if rewards are your goal
- Keep your credit utilization below 30% of your limit
- Set up automatic minimum payments as a safety net
- Review your statement monthly for unauthorized charges
Read the official government guidance on using credit cards responsibly.
How Credit Cards Affect Your Credit Score
Used responsibly, credit cards are one of the most effective tools for building a strong credit score in Canada. Key factors:
- Payment history — the single biggest factor; never miss a payment
- Credit utilization — keep balances below 30% of your limit
- Length of credit history — older accounts help; don’t close your oldest card
- Credit mix — having both revolving (credit card) and installment (loan) credit helps
Read our guide on how to improve your credit score in Canada.
Read our article on what a good credit score is in Canada.
How Credit Cards Fit Into a Broader Family Financial Plan
Credit cards aren’t just about rewards — when used strategically, they’re a tool for organizing your financial life. The right card setup can help you:
- Consolidate spending into trackable categories
- Earn rewards on recurring bills you pay anyway
- Build credit history while getting value back
- Simplify budgeting by centralizing purchases
For a complete picture of how credit cards fit into managing your family’s finances, read our Family Finance System guide.
You should also consider where you’re keeping your savings. Read our guide on Where to Park Cash Safely in Canada (2026) and the Best Digital Banks in Canada for complementary strategies that work alongside a strong credit card setup.
Frequently Asked Questions
What is the best credit card in Canada in 2026?
For most Canadians, the best overall credit card is the American Express Cobalt for travel rewards or the BMO CashBack World Elite for cash back. The Cobalt has been named Canada’s best overall credit card by creditcardGenius for nine consecutive years. For cash back, the BMO card’s 5% grocery rate is unmatched. The right answer depends entirely on your spending habits and whether you prefer cash or points.
What is the best credit card for groceries in Canada?
The BMO CashBack World Elite Mastercard earns 5% on groceries — the highest rate in Canada. For households that don’t meet the $80,000 income requirement, the Scotia Momentum Visa Infinite earns 4% with a lower $60,000 threshold.
Which credit card has no annual fee in Canada?
The Tangerine Money-Back Credit Card and the Rogers Red World Elite Mastercard are the strongest no-fee options. Tangerine offers more flexibility with customizable 2% categories; Rogers offers a stronger flat rate especially for USD purchases and Rogers customers.
What credit card should a student get in Canada?
The Tangerine Money-Back Credit Card is the strongest option for students — it only requires $12,000 in annual income, has no annual fee, earns 2% in chosen categories, and pays cash back monthly. It also works as an excellent foundation for building credit history.
Is the Amex Cobalt worth it in Canada?
Yes, for the right person. If you spend $750+ per month on food and dining combined, the Cobalt’s 5x earn rate on those categories will generate meaningful rewards quickly. The monthly fee structure ($15.99/month) also means you’re not locked in for a full year if your situation changes. The Membership Rewards points program is also Canada’s most flexible, with transfer partners including Aeroplan, British Airways Avios, and Marriott Bonvoy.
Which is better — cash back or travel points in Canada?
Cash back is better if you want simplicity, predictability, and no minimum redemption thresholds. Travel points are better if you fly regularly and are willing to learn how to maximize redemptions — the ceiling on value is much higher with points, but so is the learning curve. For most Canadian families, a cash back card will earn more usable value per year with less effort.
What credit score do you need for a premium credit card in Canada?
Most premium cards — including the BMO World Elite, Scotia Momentum Visa Infinite, and TD Cash Back Visa Infinite — require a good to excellent credit score, typically 700 or above. The Amex Cobalt is more accessible and has no stated minimum income, making it a realistic starting point for building toward premium cards.
Can I have two credit cards in Canada?
Yes — and for many Canadians, two cards is the optimal setup. A category rewards card (for groceries, gas, bills) paired with a flat-rate card (for everything else) captures the best earn rate on every dollar you spend. Having two cards has no negative effect on your credit score as long as you pay both balances in full each month.
Are credit card rewards taxable in Canada?
In most cases, rewards earned from personal spending are considered rebates by the CRA and are not taxable. This applies to cash back, points, and miles earned on personal purchases. Business credit card rewards may be treated differently — speak with a tax professional if you’re using a card for business expenses.
What credit card do most Canadians use?
According to J.D. Power’s 2025 Canada Credit Card Satisfaction Study, American Express ranks first among all card issuers in customer satisfaction. In terms of raw usage volume, Visa and Mastercard-branded cards are the most widely held due to their broader acceptance network, with TD, RBC, and Scotiabank among the most popular issuers.
Which credit card has no foreign transaction fee in Canada?
The Scotiabank Passport Visa Infinite is the most popular no-foreign-transaction-fee card in Canada, saving you the standard 2.5% surcharge on every purchase made in a foreign currency. If you travel internationally or shop frequently in USD, this fee alone can be worth hundreds of dollars per year.
Is it worth getting a credit card just for the welcome bonus?
Welcome bonuses can represent significant first-year value — the BMO CashBack World Elite currently offers up to $480 cash back on top of the first year fee waiver. However, always confirm you can meet the spending requirements before applying, and ensure the ongoing earn rate makes sense for your habits once the bonus period ends.
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