1.American Express Cobalt® Card
American Express
- 5%Points on eligible eats and drinks
- 3%Points on eligible streaming subscriptions
- 1%Points on all other purchases
Earn up to 15,000 Membership Rewards® points by earning 1,250 Membership Rewards® points for each monthly billing period in which you spend $750 on your Card.
Earn 5 points for every $1 on eligible eats & drinks, and 1 point for every $1 on all other purchases.
The American Express Cobalt Card stands out as the top choice because it offers exceptional rewards on dining and grocery purchases, making it ideal for food lovers and frequent diners. With a robust points earning structure and flexible redemption options, it provides significant value for those who maximize their spending in these categories.
Pros:
- High rewards on dining and groceries
- Flexible point redemption
Cons:
- Monthly fee for non-Quebec residents
- High spending requirement for welcome bonus
2.Scotiabank Gold American Express Card
Scotiabank
- 6%Scene+ points on groceries
- 5%Scene+ points on dining
- 1%Scene+ points on all other purchases
Earn up to 50,000 bonus Scene+ points for accounts opened by November 1, 2026.
Earn 6 Scene+ points per $1 spent at select grocery stores and 1 Scene+ point on all other purchases.
What sets the Scotiabank Gold American Express Card apart is its high earning potential on grocery and dining purchases, making it a top choice for those who spend heavily in these categories. Additionally, the lack of foreign transaction fees enhances its appeal for travelers.
Pros:
- High rewards on groceries and dining
- No foreign transaction fees
Cons:
- Annual fee
- Limited to Scene+ points redemption
3.TD Aeroplan Visa Infinite Card
TD Canada Trust
- 1.5%Aeroplan points on gas, groceries, and Air Canada purchases
- 1%Aeroplan points on all other purchases
Earn a welcome bonus of up to 40,000 Aeroplan points.
Earn 1.5 Aeroplan points per $1 spent on eligible gas, groceries, and direct Air Canada purchases, and 1 point per $1 on everything else.
The TD Aeroplan Visa Infinite Card shines for its robust welcome bonus and strong earning potential on travel-related purchases, making it an excellent choice for frequent travelers. Its comprehensive insurance coverage further enhances its value for those who prioritize travel benefits.
Pros:
- Strong welcome bonus
- Comprehensive travel insurance
Cons:
- Annual fee
- Higher spending requirement for bonus
4.Scotiabank Passport Visa Infinite Card
Scotiabank
- 3%Scene+ points on travel purchases
- 1%Scene+ points on all other purchases
Earn a welcome bonus of up to 35,000 Scene+ points for accounts opened between August 4, 2026, and November 1, 2026.
Earn 3 Scene+ points per $1 spent on travel purchases and 1 Scene+ point on all other purchases.
This card shines for its no foreign transaction fees and complimentary airport lounge access, making it a top pick for international travelers. The ability to earn Scene+ points on travel purchases further enhances its appeal for those who frequently travel.
Pros:
- No foreign transaction fees
- Complimentary airport lounge access
Cons:
- Annual fee
- Limited to Scene+ points redemption
- 4%Cash back on gas and groceries
- 2%Cash back on all other purchases
The CIBC Dividend Visa Infinite Card offers a total welcome value of up to $350.
Earn 4% cash back on gas and groceries, plus up to 2% on everything else.
The CIBC Dividend Visa Infinite Card is a top-tier cash-back credit card that excels in providing high cash back on everyday spending categories like gas and groceries. Its generous welcome bonus adds to its appeal for new cardholders looking to maximize their rewards.
Pros:
- High cash back on gas and groceries
- Strong welcome bonus
Cons:
- Annual fee
- Limited to cash back rewards
6.American Express Platinum Card
American Express
- 5%Membership Rewards points on prepaid hotels and flights
- 1%Membership Rewards points on all other purchases
The Platinum Card from American Express offers a welcome bonus of up to 100,000 Membership Rewards points.
Earn 5x Membership Rewards points on prepaid hotels on AmexTravel.com and on flights purchased directly from airlines.
The American Express Platinum Card is the best option for frequent travelers, offering extensive perks such as airport lounge access and annual travel credits. Its high earning potential on travel-related purchases makes it a valuable asset for those who travel often.
Pros:
- Extensive travel perks
- High earning potential on travel purchases
Cons:
- High annual fee
- Requires significant spending to maximize rewards
- 4%Points on eligible restaurant and grocery purchases
- 1%Points on all other purchases
The MBNA Rewards Platinum Plus Mastercard offers a welcome bonus of up to 10,000 bonus points.
Earn 4 points per $1 spent on eligible restaurant, grocery, digital media, membership, and household utility purchases.
The MBNA Rewards Platinum Plus Mastercard is an excellent choice for those seeking a no-annual-fee card that rewards everyday spending. Its high earning potential on groceries and dining makes it a strong contender for budget-conscious consumers.
Pros:
- No annual fee
- High points earning on everyday spending
Cons:
- Limited to specific categories for high rewards
- Lower redemption value compared to other cards
- 1%Avion points on everyday purchases
- 1.25%Avion points on eligible travel purchases
The RBC Avion Visa Infinite offers a welcome bonus of up to 70,000 Avion points.
Earn 1 Avion point on everyday purchases, plus 25% more on eligible travel-related purchases.
The RBC Avion Visa Infinite card is a premium travel rewards card that excels in providing flexible redemption options and comprehensive insurance coverage. Its ability to earn points on everyday purchases makes it a valuable asset for those who travel frequently.
Pros:
- Flexible point redemption
- Comprehensive insurance coverage
Cons:
- Annual fee
- Requires significant spending to maximize rewards
- 3%Cash back on U.S. dollar purchases
- 1.5%Cash back on all other purchases
The Rogers Red World Elite Mastercard currently offers no standard welcome bonus directly from Rogers Bank.
Earn up to 3% cash back on U.S. dollar purchases and 1.5% on everything else.
The Rogers Red World Elite Mastercard is a standout option for those who frequently make purchases in U.S. dollars, offering high cash back rewards without an annual fee. Its lack of a standard welcome bonus is offset by its strong ongoing rewards structure.
Pros:
- No annual fee
- High cash back on U.S. dollar purchases
Cons:
- No standard welcome bonus
- Higher income requirement
- 5%BMO Rewards points on groceries, dining, gas, and transit
- 1%BMO Rewards points on all other purchases
The standard welcome bonus for the BMO eclipse Visa Infinite Card gives you up to $1,150 in total value, including up to 70,000 bonus points.
Earn 5x BMO Rewards points on everyday categories including groceries, dining, gas, and transit.
The BMO eclipse Visa Infinite Card is ideal for individuals looking to maximize rewards on everyday purchases like dining and groceries. Its generous welcome bonus and first-year fee waiver make it an attractive option for new cardholders.
Pros:
- High rewards on everyday spending
- First-year annual fee waiver
Cons:
- Annual fee after the first year
- Mixed reviews on point redemption value
Final Words
As you explore the best rewards credit cards this September, remember that choosing the right card depends on your spending habits and lifestyle. Take time to compare your options and select a card that maximizes your rewards and fits your financial goals to make informed decisions.
Frequently Asked Questions
The American Express Cobalt® Card offers a welcome bonus of up to 15,000 Membership Rewards® points by earning 1,250 Membership Rewards® points for each monthly billing period in which you spend $750 on your Card. Additionally, you earn 5 points for every $1 on eligible eats & drinks, and 1 point for every $1 on all other purchases.
With the Scotiabank Gold American Express Card, you can earn up to 50,000 bonus Scene+ points for accounts opened by November 1, 2026. The card also offers 6 Scene+ points per $1 spent at select grocery stores and 1 Scene+ point on all other purchases.
The TD Aeroplan Visa Infinite Card provides a welcome bonus of up to 40,000 Aeroplan points. This bonus is an attractive feature for frequent travelers looking to accumulate points quickly.
When selecting a rewards credit card, consider factors such as the annual fee, reward rates on categories you frequently spend in, and the welcome bonus. It's also essential to evaluate how the rewards fit into your spending habits to maximize benefits.
Yes, many rewards credit cards in Canada come with annual fees, which can vary significantly. It's important to weigh the benefits and potential rewards against the cost of the fee to determine if the card is worth it for your financial situation.
To apply for a rewards credit card, you typically need to complete an application online or through a bank branch. Be prepared to provide personal information, including your income, employment details, and financial history, as these factors will influence approval.
Rewards credit cards often offer points, cash back, or travel miles based on your spending. The type of rewards varies by card, so it's essential to choose one that aligns with your lifestyle and spending habits to maximize your benefits.
