Best Best Premium Cards in Canada – 2025
Premium credit cards with high earn rates and exclusive benefits. Higher annual fees but exceptional value for heavy spenders.
Top 3 Best Premium Cards
Scotiabank
Scotiabank Passport Visa Infinite Card
BMO
BMO eclipse Visa Infinite Card
Compare All Best Premium Cards
| Card | Annual Fee | Welcome Bonus | Reward Type | FX Fee | Action |
|---|---|---|---|---|---|
| Scotiabank Scotiabank Passport Visa Infinite Card | $150 |
$1350 estimated value | travel | 0% | Apply |
| BMO BMO eclipse Visa Infinite Card | $120 |
$800 estimated value | travel | 2.5% | Apply |
| TD Bank TD First Class Travel Visa Infinite Card | $139 |
$1400 estimated value | travel | 2.5% | Apply |
| American Express Canada American Express Gold Rewards Card | $250 |
$1000 estimated value | points | 2.5% | Apply |
| American Express Canada The Platinum Card | $799 |
$2000 estimated value | points | 2.5% | Apply |
| RBC RBC Avion Visa Infinite Card | $120 |
$1100 estimated value | travel | 2.5% | Apply |
| CIBC CIBC Dividend Visa Infinite Card | $120 |
$470 estimated value | cashback | 2.5% | Apply |
| Scotiabank Scotia Momentum Visa Infinite Card | $120 |
$370 estimated value | cashback | 2.5% | Apply |
| CIBC CIBC Aventura Visa Infinite Card | $139 |
$675 estimated value | travel | 2.5% | Apply |
| BMO BMO CashBack World Elite Mastercard | $120 |
$120 estimated value | cashback | 2.5% | Apply |
How We Rank Best Premium Cards
Our ranking algorithm evaluates cards based on multiple factors to help you find the best option:
- Welcome Bonus Value (35%): Cards with higher welcome bonuses rank higher
- Earn Rates (40%): Higher rewards in key spending categories improve rankings
- Annual Fee (10%): Lower fees result in better scores, balancing value with cost
- Foreign Transaction Fees (15%): Cards with no FX fees score higher for international use
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