Canada's Top 3 Popular Credit Card Offers
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Compare Canada's Top 3 Popular Credit Card Welcome Bonuses, Benefits & Costs
Amex Gold Rewards
Subtitle goes Here- Annual Fee: $250
- Grocery Rate: 2 pts / $1
- Travel Rate: 2 pts / $1
- Lounges: 4 Plaza Premium visits / year
- Air Canada Perk: None (Points transfer 1:1)
- Travel Credit: $100 Annual Travel Credit
- Insurance: Medical/Trip/Auto Rental
- Income requirement: None Specified
Now up to 90,000 Welcome Bonus Points by clicking on the Amex Button or Amex Card Image
PC Financial
MasterCard (choice of 3)- Annual Fee: None
- Grocery Rate: 1c to 3c per $
- Travel Rate: 3c/litre at Esso & Mobil
- Lounges: None
- Air Canada Perk: None
- Travel Credit: None
- Insurance: Medical/Trip/Auto Rental (PC World Elite only)
- Income requirement: up to $80,000 depending on card choice
CIBC Aeroplan
Infinite Visa- Annual Fee: $139
- Grocery Rate: 1.5 pts / $1
- Travel Rate: 1.5 pts / $1 (AIr Canada & Gas)
- Lounges: None (Spend/Status Required)
- Air Canada Perk: Free checked bag for 2
- Travel Credit: 4th hotel night free
- Insurance: Medical/Trip/Auto Rental
- Income requirement: $60,000 Individual or $100,000 Household
Key Features of Top 3 Popular Credit Cards in Canada
Each of these has a different "superpower".
Here’s the breakdown:
1. The "Travel Pro": Amex Gold Rewards Card
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The Perk: This is easily the most flexible card I have. Right now, you can earn up to 60,000 Membership Rewards points.
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Why it’s great: You can transfer those points 1:1 to Aeroplan, British Airways, Air France and KLM or simply use them for a $600 statement credit. It also gives you four airport lounge passes (Plaza Premium Canada locations), free Priority Pass membership and a $100 annual travel credit with Amex Canada Travel.
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Best for: Someone who wants a free flight this year and enjoys a bit of travel luxury.
Click on the Amex Button or Amex Card Image to get an increased welcome bonus of 90,000 points ($900 value)
2. The "Grocery Guru": PC Optimum MasterCard
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The Perk: If you shop at Loblaws, No Frills, or Shoppers Drug Mart, this is a must-have. You can get up to 100,000 PC Optimum points (that’s $100 in free groceries) just for signing up.
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Why it’s great: There is no annual fee, and you earn points on every dollar you spend. It’s the fastest way to subsidize your weekly grocery bill.
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Best for: Literally everyone who eats. It’s "free money" for stuff you're already buying.
3. The "Aeroplan Starter": CIBC Aeroplan Infinite Visa
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The Perk: This is a solid entry point into the Aeroplan world. The current welcome offer is 10,000 points, which is enough for a short-haul flight but also 25,000 point anniversary bonus
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Why it’s great: You earn 1 point for every $1 spent on gas, groceries, and Air Canada directly. It’s a very straightforward card with a low barrier to entry.
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Best for: Someone who wants to start building a points balance for an Air Canada trip without a massive spending requirement.