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Best for: First-Year Annual Fee Rebate

The Air France KLM World Elite Mastercard® offers a first year annual fee rebate (regular fee $132/yr). You earn 1x on groceries and 2x at restaurants. Estimated first-year value is $538.

First-Year Annual Fee Rebate
Annual Fee
$132 $0
Rewards rate
1x

Flying Blue

Welcome Bonus
1st Year Value
$538

Pros

  • First Year Annual Fee Rebate
  • 2x at restaurants
  • Estimated 1st-year value of $538

Cons

  • No welcome bonus
  • Requires good credit
Best for: Overall value

It comes with a welcome bonus of 70,000 points. You earn 2x on groceries and 1.5x at restaurants. Estimated first-year value is $1,071.

Annual Fee
$139
Rewards rate
1.5x

WestJet Rewards

Welcome Bonus
Up to 70,000 points

Ends Nov 4, 2026

1st Year Value
$1,071

Pros

  • Welcome bonus of 70,000 points
  • 2x on groceries
  • Estimated 1st-year value of $1,071

Cons

  • Requires good credit
Best for: First-Year Annual Fee Rebate

The BMO VIPorter World Elite®* Mastercard®* offers a first year annual fee rebate (regular fee $199/yr). It comes with a welcome bonus of 70,000 points. You earn 2x on groceries and 2x at restaurants. Estimated first-year value is $1,734.

First-Year Annual Fee Rebate
Annual Fee
$199 $0
Rewards rate
1x

Porter VIPorter

Welcome Bonus
Up to 70,000 points

Ends Oct 31, 2026

1st Year Value
$1,734

Pros

  • First Year Annual Fee Rebate
  • Welcome bonus of 70,000 points
  • 2x on groceries
  • 2x at restaurants

Cons

  • High annual fee ($199)
  • Requires good credit