- 1.25%Points on travel purchases
- 1%Points on all other purchases
Get 35,000 Welcome Points on approval and 20,000 bonus points when you spend $5,000 in your first 6 months.
Earn 1 Avion point for every $1 spent, plus 25% more on travel purchases.
20.99%
22.99%
The RBC Avion Visa Infinite stands out as the top choice because of its generous welcome bonus and flexible point redemption options, making it ideal for frequent travelers looking to maximize their rewards.
Pros:
- Flexible point redemptions
- High welcome bonus
Cons:
- Annual fee applies
- High spending requirement for bonus
2.Scotiabank Gold American Express
Scotiabank
- 6%Points on select groceries
- 5%Points on dining and entertainment
- 1%Points on all other purchases
Earn up to 50,000 bonus Scene+ points, divided into 30,000 points and 20,000 points.
Earn 6x points on select groceries, 5x on dining and entertainment.
21.99%
22.99%
What sets the Scotiabank Gold American Express apart is its high earning potential on groceries and dining, making it a great option for those who spend heavily in these categories.
Pros:
- No foreign transaction fees
- High rewards on groceries
Cons:
- Limited international acceptance
- Annual fee applies
- 8%Points on travel purchases
- 6%Points on groceries
- 1%Points on all other purchases
Earn a welcome Bonus of 20,000 TD Rewards Points when you make your first Purchase and 126,000 TD Rewards Points when you spend $7,500 within 180 days.
Earn 8 TD Rewards Points for every $1 spent on travel purchases, 6 points on groceries.
21.99%
22.99%
The TD First Class Travel Visa Infinite shines for its substantial welcome bonus and travel perks, making it an excellent choice for avid travelers looking to maximize their rewards.
Pros:
- High welcome bonus
- Annual travel credit
Cons:
- High spending requirement for bonus
- Annual fee applies
- 5%Cash back on groceries
- 4%Cash back on transit
- 3%Cash back on gas
- 2%Cash back on recurring bills
Welcome offer provides up to $650 in total value, featuring a first-year annual fee waiver.
Earn 5% cash back on groceries, 4% on transit, and 3% on gas.
21.99%
23.99%
The BMO CashBack World Elite Mastercard is a standout for its high cash back rates on essential categories, making it a top choice for those who prioritize everyday spending rewards.
Pros:
- High cash back on groceries
- First-year fee waived
Cons:
- High income requirement
- Annual fee applies after first year
- 2%Points on travel purchases
- 1.5%Points on gas and groceries
- 1%Points on all other purchases
A welcome bonus of 15,000 Aventura Points when you make your first purchase and additional bonuses based on spending.
Earn 2 points per $1 spent on travel booked through CIBC Rewards Centre, 1.5 points on eligible gas and groceries.
21.99%
22.99%
The CIBC Aventura Visa Infinite card excels with its travel rewards structure and additional perks like lounge access, making it a great option for frequent travelers.
Pros:
- Flexible travel rewards
- Complimentary lounge access
Cons:
- Annual fee applies
- High income requirement
Did you know?
A no-fee credit card can beat a premium card if you do not use the extras. Match the card to your spend before chasing a bonus.
Final Words
As you explore the best credit cards for good credit this August 2026 in Canada, remember that finding the right card hinges on your spending habits and financial goals. Take time to compare options carefully to ensure you make an informed decision that maximizes your rewards and benefits.
Frequently Asked Questions
Get 35,000 Welcome Points on approval and 20,000 bonus points when you spend $5,000 in your first 6 months.
Earn 1 Avion point for every $1 spent, plus 25% more on travel purchases. This translates to 1.25% in points on travel purchases and 1% on all other purchases.
You can earn up to 50,000 bonus Scene+ points, divided into 30,000 points and 20,000 points. Additionally, enjoy 6x points on select groceries and 5x on dining and entertainment.
Earn a welcome Bonus of 20,000 TD Rewards Points when you make your first Purchase and 126,000 TD Rewards Points when you spend $7,500 within 180 days.
Consider your spending habits, such as whether you spend more on groceries, travel, or dining. Also, evaluate the rewards structure, fees, and any bonuses that may align with your lifestyle.
Many credit cards for good credit come with annual fees, which typically range from CA$0 to CA$150. Weigh the benefits of rewards and bonuses against the cost of the fee to determine their value.
Look at the welcome bonuses, reward rates, annual fees, and any additional benefits like travel insurance or purchase protection. Understanding these factors will help you make an informed decision.
