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Best for: Cash back

The TD Cash Back Visa Infinite* Card offers a first year annual fee rebate (regular fee $139/yr). It comes with a welcome bonus of $350. You earn 3x on groceries and 1x at restaurants. Estimated first-year value is $974.

First-Year Annual Fee Rebate
Annual Fee
$139 $0
Rewards rate
1x

Cash Back

Welcome Bonus
Up to $350
1st Year Value
$974

Pros

  • First Year Annual Fee Rebate
  • Welcome bonus of $350
  • 3x on groceries
  • Estimated 1st-year value of $974

Cons

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

The TD Business Travel Visa* Card offers a first year annual fee rebate (regular fee $149/yr). It comes with a welcome bonus of 200,000 points. You earn 2x on groceries and 6x at restaurants. Estimated first-year value is $732.

First-Year Annual Fee Rebate
Annual Fee
$149 $0
Rewards rate
2x

TD Rewards

Welcome Bonus
Up to 200,000 points
1st Year Value
$732

Pros

  • First Year Annual Fee Rebate
  • Welcome bonus of 200,000 points
  • 2x on groceries
  • 6x at restaurants

Cons

  • Fewer premium perks
Best for: No annual fee

The TD Cash Back Visa* Card Business has no annual fee, making it risk-free to hold. You earn 0.5x on groceries and 0.5x at restaurants. Estimated first-year value is $231.

Annual Fee
$0
Rewards rate
0.5x

Cash Back

Welcome Bonus
1st Year Value
$231

Pros

  • No annual fee

Cons

  • No welcome bonus
  • Modest reward rates
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
Best for: Overall value

It comes with a welcome bonus of 60,000 points. You earn 2x on groceries and 1x at restaurants. Estimated first-year value is $1,504.

Annual Fee
$250
Rewards rate
1x

Amex Membership Rewards

Welcome Bonus
Up to 60,000 points
1st Year Value
$1,504

Pros

  • Welcome bonus of 60,000 points
  • 2x on groceries
  • Estimated 1st-year value of $1,504

Cons

  • High annual fee ($250)
Best for: Overall value

It comes with a welcome bonus of 15,000 points. You earn 5x on groceries and 5x at restaurants. Estimated first-year value is $1,491.

Annual Fee
$191.88

$15.99/mo

Rewards rate
1x

Amex Membership Rewards

Welcome Bonus
Up to 15,000 points
1st Year Value
$1,491

Pros

  • Welcome bonus of 15,000 points
  • 5x on groceries
  • 5x at restaurants
  • Estimated 1st-year value of $1,491

Cons

  • High annual fee ($191.88)
Best for: Travel rewards

It comes with a welcome bonus of 28,000 points. You earn 3x on groceries and 3x at restaurants. Estimated first-year value is $1,326.

Annual Fee
$48
Rewards rate
1x

RBC Avion Rewards - Premium

Welcome Bonus
Up to 28,000 points

Ends Nov 4, 2026

1st Year Value
$1,326

Pros

  • Welcome bonus of 28,000 points
  • 3x on groceries
  • 3x at restaurants
  • Estimated 1st-year value of $1,326

Cons

  • Fewer premium perks
Best for: Overall value

It comes with a welcome bonus of 50,000 points. You earn 5x on groceries and 5x at restaurants. Estimated first-year value is $1,280.

Annual Fee
$120
Rewards rate
1x

Scene+

Welcome Bonus
Up to 50,000 points

Ends Nov 1, 2026

1st Year Value
$1,280

Pros

  • Welcome bonus of 50,000 points
  • 5x on groceries
  • 5x at restaurants
  • Estimated 1st-year value of $1,280

Cons

  • Requires good credit
Best for: Cash back

The BMO CashBack® World Elite®* Mastercard®* offers a first year annual fee rebate (regular fee $139/yr). It comes with a welcome bonus of $650. You earn 5x on groceries and 1x at restaurants. Estimated first-year value is $1,242.

First-Year Annual Fee Rebate
Annual Fee
$139 $0
Rewards rate
1x

Cash Back

Welcome Bonus
Up to $650
1st Year Value
$1,242

Pros

  • First Year Annual Fee Rebate
  • Welcome bonus of $650
  • 5x on groceries
  • Estimated 1st-year value of $1,242

Cons

  • Requires good credit