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Best for: Aeroplan travel

It comes with a welcome bonus of 85,000 points. You earn 1.25x on groceries and 2x at restaurants. Estimated first-year value is $1,405.

Annual Fee
$599
Rewards rate
1.25x

Aeroplan

Welcome Bonus
Up to 85,000 points
1st Year Value
$1,405

Pros

  • Welcome bonus of 85,000 points
  • 2x at restaurants
  • Estimated 1st-year value of $1,405

Cons

  • High annual fee ($599)
Best for: Aeroplan travel

It comes with a welcome bonus of 85,000 points. You earn 1.5x on groceries and 1.5x at restaurants. Estimated first-year value is $1,938.

Annual Fee
$599
Rewards rate
1.25x

Aeroplan

Welcome Bonus
Up to 85,000 points
1st Year Value
$1,938

Pros

  • Welcome bonus of 85,000 points
  • Estimated 1st-year value of $1,938

Cons

  • High annual fee ($599)
  • Requires good credit
Best for: Cash back

You earn 2x on groceries and 2x at restaurants. Estimated first-year value is $360.

Annual Fee
$240
Rewards rate
2x

Cash Back

Welcome Bonus
1st Year Value
$360

Pros

  • 2x on groceries
  • 2x at restaurants
  • Estimated 1st-year value of $360

Cons

  • High annual fee ($240)
  • No welcome bonus
  • Requires good credit
Best for: Overall value

It comes with a welcome bonus of 35,000 points. You earn 2x on groceries and 2x at restaurants. Estimated first-year value is $644.

Annual Fee
$150
Rewards rate
1x

Scene+

Welcome Bonus
Up to 35,000 points

Ends Nov 1, 2026

1st Year Value
$644

Pros

  • Welcome bonus of 35,000 points
  • 2x on groceries
  • 2x at restaurants
  • Estimated 1st-year value of $644

Cons

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

The National Bank World Elite® Mastercard® offers a first year annual fee rebate (regular fee $150/yr). You earn 5x on groceries and 5x at restaurants. Estimated first-year value is $767.

First-Year Annual Fee Rebate
Annual Fee
$150 $0
Rewards rate
1x

NBC Rewards

Welcome Bonus

Ends Nov 4, 2026

1st Year Value
$767

Pros

  • First Year Annual Fee Rebate
  • 5x on groceries
  • 5x at restaurants
  • Estimated 1st-year value of $767

Cons

  • No welcome bonus
  • Requires good credit