American Express Cobalt Card
Annual fee
$191.88
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$255Total$255Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
$255
Welcome offerGet 1,250 points after $750 in purchases per month for 12 months
Up to 15,000 points
Apply Now

on American Express's website

Apply with confidenceCheck whether your application will be approved before you submit it, with no impact on your credit score*When you apply for a personal American Express Credit Card, we will tell you whether you are eligible without affecting your credit score. So you can apply with confidence.*Instant decisions are only available for consumer Card applications (also called “personal Cards”).

Features
Issuer
Amex
Network
Fees and terms
Annual Fee
$191.88/yr ($15.99/mo)
Min. annual income
—
Read full review
Rewards
Rate
Convenience
5x
Restaurants
5x
Groceries
5x
Streaming
3x
Transit
2x
Gas & EV
2x
Read full review
RBC ION+ Visa Card
Annual fee
$48
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$476Total$476Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
$476
Welcome offerAfter $1,500 in 6 months
Up to 28,000 points
Ends Nov 4, 2026
Apply Now

on RBC's website

Features
Issuer
RBC
Network
Fees and terms
Annual Fee
$48/yr
Min. annual income
—
Read full review
Rewards
Rate
Groceries
3x
Gas & EV
3x
Transit
3x
Streaming
3x
Restaurants
3x
Read full review
Scotiabank Gold American Express Card
Annual fee
$120
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$500Total$500Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
$500
Welcome offerAfter $7,500 in 12 months
Up to 50,000 points
Ends Nov 1, 2026
Apply Now

on Scotiabank's website

Features
Issuer
Scotia
Network
Loyalty Program
Scene+
Fees and terms
Annual Fee
$120/yr
Min. annual income
$12,000+
Read full review
Rewards
Rate
With the partner brand
6x
Groceries
5x
Entertainment
5x
Restaurants
5x
Gas & EV
3x
Streaming
3x
Transit
3x
Read full review
American Express Aeroplan Reserve Card
Annual fee
$599
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$1,200Annual credit$100Total$1,300Plus $500 of bonus paid after the first year, not counted in this total.Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
$1,300
Welcome offerAfter $7,500 in 3 months
Up to 85,000 points
Apply Now

on American Express's website

Apply with confidenceCheck whether your application will be approved before you submit it, with no impact on your credit score*When you apply for a personal American Express Credit Card, we will tell you whether you are eligible without affecting your credit score. So you can apply with confidence.*Instant decisions are only available for consumer Card applications (also called “personal Cards”).

Features
Issuer
Amex
Network
Loyalty Program
Aeroplan
Fees and terms
Annual Fee
$599/yr
Min. annual income
—
Read full review
Rewards
Rate
Air Canada flights
3x
Restaurants
2x
Read full review
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