Compare Canadian credit cards by first-year value, welcome bonus, annual fee, rewards, and perks.
Last updated: Jun 12, 2026
First-year value estimates the first-year bonus value after annual fees, portal cashback, and selected credits. Point values are estimates because rewards depend on redemption.
First-year value = estimated welcome bonus value + portal cashback + included credits − annual fee
Include credits in value
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Showing 33 of 33 cards
Highest first-year value offers right now.
$1,551/yr
Estimated net value including the welcome bonus, after the $799 annual fee.
Earning rewards
Base: 1x 2x dining / 2x travel on everything else
Welcome bonus
90,000 - 130,000 pts (up to $1,950 value)
Annual fee $799
Min. spend $10,000
$1,151/yr
Estimated net value including the welcome bonus, after the $599 annual fee.
Earning rewards
Base: 1.25x 3x travel (Air Canada only) / 2x dining on everything else
Welcome bonus
70,000 - 110,000 pts (up to $1,650 value)
Annual fee $599
Min. spend $7,500
$851/yr
Estimated net value including the welcome bonus, after the $199 annual fee.
Earning rewards
Base: 1x on everything else
Welcome bonus
50,000 - 70,000 pts (up to $1,050 value)
Annual fee $199
Min. spend $7,500 - $30,000
$830/yr
Estimated net value including the welcome bonus, after the FYF annual fee.
Earning rewards
Base: 2x 8x travel (Expedia for TD only) / 6x grocery / 6x dining / 6x transit / 4x recurring / 4x streaming on everything else
Welcome bonus
20,000 - 146,000 pts (up to $730 value)
Annual fee FYF
Min. spend $7,500
$760/yr
Estimated net value including the welcome bonus, after the FYF annual fee.
Earning rewards
Base: 1x 2x travel (CIBC Rewards Centre only) / 1.5x gas / 1.5x ev charging / 1.5x grocery (Includes drug stores) on everything else
Welcome bonus
15,000 - 60,000 pts (up to $600 value)
Annual fee FYF
Min. spend $3,000