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Earn MileagePlus miles on your purchases
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Accepted at Costco
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Free First Checked Bag with United
Welcome Offer and Renewal
Earn up to 25,000 miles, including a welcome bonus and an annual renewal bonus.
Welcome Bonus — up to 20,000 MileagePlus miles
- 5,000 miles on card activation and first transaction
- Additional 15,000 miles when you spend $3,000 net of refunds within 3 months of application
Renewal bonus
- 5,000 miles per year when the account remains open and active with eligible spend within 365 days
Mile Earn Rates
- 1.25 miles per $1 on United and Star Alliance flights
- 1 mile per $1 on dining and groceries
- 0.75 miles per $1 everywhere else
- Bonus miles via the Neo merchant partner network of over 10,000 Neo merchant partners
Benefits of the card
- Free First checked bag: Your first checked bag is covered on all your United-operated flights.
- Priority Boarding — Group 2: Be among the first to board with Group 2 priority boarding for you and your family.
- Nexus application fee credit: Up to $120 USD reimbursed every 5 years for a new Nexus application or renewal. Nexus allows for expedited border crossing between Canada and the United States.
- Star Alliance Global Network: Earn and redeem MileagePlus miles on United Airlines and over 25 Star Alliance partner airlines worldwide, including Air Canada and Lufthansa.
World Elite Mastercard Benefits
- Mastercard Zero Liability
- Mastercard Global Service
- Mastercard Travel Pass (DragonPass): Access to over 1,400 airport lounges worldwide through the Mastercard Travel Pass program provided by DragonPass. Membership is included; per-visit fees apply.
Insurance
- Emergency medical insurance
- Comprehensive Travel Insurance
- Extended Warranty and Purchase Protection
- Car Rental Collision and Damage Insurance
Chubb travel insurance is not offered in Quebec.
Maximize your travel: earn more miles on every flight
When you book a United flight, you earn miles as a MileagePlus member—but as a cardholder, you earn even more. You receive the miles awarded by United for your flight, plus the miles you earn by paying with your card.
Your earnings add up, allowing you to build your miles balance significantly faster than non-cardholders each time you travel.
Get more value from your miles
As a United cardholder, your miles are worth more—and give you access to more options.
You automatically receive at least a 10% discount on award flights (and 15% if you hold Premier status), allowing you to use fewer miles for the same trip.
In addition, you gain access to exclusive availability on Saver Award fares, including premium-cabin seats such as Polaris® business class, which are not always available to non-cardholders.
In practical terms, this means:
- You spend fewer miles on your flights
- You gain access to better seats and more options
- You can book travel experiences that are unavailable to other members
Conditions Apply. Conditions apply. Limited one-time offer for new customers who have not opened a United Neo World Elite Mastercard before the date of application approval. Must (1) be the age of majority in your province or territory of residence; (2) be a Canadian resident; (3) have annual personal income of $80,000 CAD or annual household income of $150,000 CAD; and (4) for secured cards only, provide security funds. Initial 5,000 MileagePlus miles are issued once the card is activated. To earn additional 15,000 MileagePlus miles, minimum spend of $3,000 net of refunds must be completed within 3 months from application start date. Additional MileagePlus miles are issued 6–8 weeks after the qualifying spend period. MileagePlus® miles may be limited and vary by perks, offer, and partner. Offer is subject to MileagePlus® terms and conditions. MileagePlus® is managed, administered, and serviced by MileagePlus Holdings, LLC. Neo Financial™ and United MileagePlus® reserve the right to amend or withdraw this offer at any time.
Neo Financial™ and United MileagePlus reserve the right to modify or withdraw this offer at any time.
- Primary card $89
- Additional card
- Individual $80,000
- Household $150,000
- 2.5 %
- Groceries1MileagePlus mile
- Dining and Food delivery1MileagePlus mile
- All Spending0.75MileagePlus mile
- Year 1
- Year 2+
- Grocery stores
- United MileagePlus
Advantages
- Annual Credit
- VIP Lounges
- Concierge
- Wifi
- Travel credit
Travel Insurance
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Accepted at Costco
Earn up to $600* in value for the first year.
Earn a 30,000 Scene+® Points Welcome Bonus with the Tangerine ® Rewards World Elite®* Mastercard®*. Apply today and start earning up to $600 in value* from Day 1, including:
- $300 value — 30,000 Scene+ points: Spend $3,000 on what you need in the first 3 months to earn a Welcome Bonus.*
- $100 value — 10,000 Scene+ points: Get an Annual Lifestyle Credit by spending $30,000 in a year.*
- $200 value — 4 complimentary lounge passes annually*: Gain airport lounge access with Dragonpasses when travelling.
Earn 1.5X Scene+ Points in 3 Accelerator Categories. Choose from 13 Categories and you can even switch them every 90 days.* Plus, get 1 Scene+ point per $1 spent on everything else.*
Total of 13 Reward Categories:
- Grocery
- Restaurants
- Entertainment
- Furniture
- Gas
- Home improvement
- Hotels-motels
- Public Transportation and Parking
- Pharmacy
- Recurring bill payments
- Fitness and Sports Clubs
- E-Games
- Foreign currency spend
The Mastercard Collection — Globally connected access to premium dining, entertainment and travel benefits*
- Unique Cirque du Soleil benefits
- FUBO: Save $30 on a Sports Quarterly plan for your first quarter.*
- H&R Block: Receive 30% off tax filing services*
- FlexiRoam: Enjoy a complimentary 3GB Global Data Roaming Plan*
Transfer and save
During your first 30 days, transfer balances up to your credit limit and pay an interest rate of only 1.95% on the transferred balance for 6 months (22.95% after that). A Balance Transfer fee of 1% on the amount transferred will apply.* Conditions Apply.
Spend confidently with the Tangerine® Rewards World Elite Mastercard®*. Have peace of mind knowing you’re covered with Purchase Assurance and Extended Warranty5 of up to $60,000 (lifetime maximum).
Legal*Conditions apply.
† Bank Offer: This offer is provided by Tangerine Bank and is subject to their terms and conditions.
† Bank Offer: This offer is provided by Tangerine Bank and is subject to their terms and conditions.
- Primary card $120
- Additional card $0
- Individual $80,000
- Household $150,000
- 2.5 %
- Groceries1.5Scene+ Points
- Gas1.5Scene+ Points
- Recurring Payments1.5Scene+ Points
- Year 1 $680
- Year 2+ $380
- Grocery stores
- Public Transportation
- Scene+
Advantages
- Annual Credit
- VIP Lounges
- Concierge
- Wifi
- Travel credit
Travel Insurance
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3X PointsEarn 3 points for every $1 spend on Air Canada or Air Canada Vacations purchases*
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Access to Maple Leaf Lounge™*Get complimentary access to some Maple Leaf Lounges in North America*
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Preferred pricingRedeem fewer Aeroplan points when booking flight rewards*
New cardholders of the American Express® Aeroplan®* Reserve Card can earn up to 85,000 Aeroplan points
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- Earn 60,000 points after spending $7,500 on your Card within your first 3 months of Cardmembership
- Plus, earn an additional 25,000 Aeroplan points when you spend $2,500 in the 13th month
- Earn up to $4,400 in value within your first 13 months. When you combine the welcome bonus offer of up to $1,700 in value with your earning potential from normal and accelerated spending categories offering approximately $1,760 and the $1,000 in value you get with exceptional benefits, you can earn up to $4,400 or more in value within your first 13 months. Terms and usage assumptions apply.
- Earn 60,000 points after spending $7,500 on your Card within your first 3 months of Cardmembership
Card features
- Cardmembers can now get an extra night free for every 3 hotel nights redeemed with Aeroplan points. Enjoy even more at over 300,000 hotel properties worldwide
- Highest Air Canada earn rate on an Aeroplan payment card in Canada: Earn 3X the points on eligible purchases made directly with Air Canada®* and Air Canada Vacations®*
- Standard Earn Rate: Earn 2X the points on eligible Dining and Food Delivery purchases in Canada and earn 1.25X the points on everything else
- Get through the airport quicker with Air Canada Priority Check-In, Air Canada Priority Boarding and Air Canada Priority Baggage Handling
- Enjoy access to select Air Canada Maple Leaf Lounges™* and Air Canada Café™ in North America for you and a guest, with a same day ticket on a departing Air Canada®* or Star Alliance®* flight
- Enjoy your eligible first checked bag free for up to 9 people travelling on the same reservation on Air Canada flights
- Get a 10% Head Start. Starting in 2027, eligible Basic Cardmembers with Aeroplan EliteTM* Status will receive a 10% head start toward qualification, based on Status Qualifying Credits (SQC) accumulated the year before. Roll over any unallocated unused eUpgrade Credits to the following year to enjoy during your travels
- Get access with your American Express® Aeroplan®* Reserve Card to more than 1,200 Priority Pass airport lounges That means an oasis of comfort before your flight—regardless of your choice of airline or cabin class
- Receive up to $100 CAD in statement credits every four years when a NEXUS application or renewal fee is charged to your American Express Aeroplan Reserve Card
- Receive one Annual Worldwide Companion Pass when you spend $25,000 in net purchases prior to your Card anniversary date; your Pass entitles you to buy an accompanying Air Canada economy class ticket for a companion at a fixed base fare from $99 to a maximum of $599 CAD (plus taxes, fees, charges, and surcharges)
- Amex ExperiencesTM opens doors for you to access a number of special events, including special dining experiences, VIP parties, advance film screenings and more
- Get more from your travel experience at Toronto Pearson International Airport with:
- Access to Pearson Priority Security Lane
- Complimentary valet service at the Express Park and Daily Park
- 15% discount on parking rates at the Express Park and Daily Park
- 15% discount on Auto Care services
- American Express® Aeroplan®* Reserve Card is made from precision cut and engraved 13 g metal – it’s the perfect companion on your next exceptional journey
- Insurance Coverage: whether you’re shopping nearby or travelling abroad, you can feel confident knowing you can be taken care of
Apply with confidence!
- See if you’ll be approved before you apply – with no impact to your credit score.*
- When applying for a new card, businesses will typically run a “hard check” of your credit report. A hard credit check can cause a temporary impact to your credit score.
- Unlike many lenders, for American Express’ personal cards, you can see if you will be approved before you apply without impacting your credit score
- A soft credit check is a check into your credit report initiated either by you or a company even if you didn’t apply for credit. It is primarily used to screen for pre-approval financing offers or for a background check
- Available for American Express personal cards, we’ll let you know your eligibility with no impact to your credit score, so you can submit your application with confidence.*
*Instant decisions are only available for Consumer (also known as Personal) Card applications.
LegalAmerican Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information, click the Apply Now link. If you apply and get approved for an American Express Card, we may receive compensation from American Express, which can be in the form of monetary payment.
- Primary card $599
- Additional card $199
- Individual $0
- Household $0
- 2.5 %
- Air Canada3Aeroplan Points
- Dining and Food delivery2Aeroplan Points
- All Spending1.25Aeroplan Points
- Year 1 $3,430
- Year 2+ $430
- Aeroplan
Advantages
- Annual Credit
- VIP Lounges
- Concierge
- Wifi
- Travel credit
Travel Insurance
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1.25X points on all purchases
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Access to VIP LoungesOver 1,300 airport lounges worldwide
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$200 Annual Travel Creditthrough American Express Travel Online or Platinum® Card Travel Service
Earn up to 120,000 bonus Membership Rewards® points:
- Earn 80,000 Membership Rewards® points after you charge $15,000 in net purchases to your Card in your first 3 months of Cardmembership
- Plus, earn 40,000 points when you make a purchase between 15 and 17 months of Cardmembership
- That’s up to $1,200 in statement credit that can be reinvested in your business
Earn points that you can redeem in a variety of ways.
- Earn 1.25 Membership Rewards points for virtually every $1 in purchases and get the most out of your business expenses
- Enjoy an exceptional line-up of rewards redemption options for you and your business, including travel, dining, entertainment, gift cards, merchandise, and more with Membership Rewards program.
- Transfer points to frequent flyer and hotel programs, including one-to-one to Aeroplan®* and Avios.
Bolster your business with up to $820 in annual business and travel statement credits
- Register your eligible Card and get up to $500 in business account credits for your eligible purchases with Dell or Indeed.
- Enroll and earn up to $120 in eligible Wireless Credits each year.
- Access a $200 Annual Travel Credit each year of your Cardmembership
Unlock spending power and payment flexibility with a full suite of business management tools that give you more control over your business – anytime and anywhere
- Enjoy financial flexibility with no pre-set spending limit on purchases. With this Card, your purchasing power adjusts dynamically with your Card usage, and can grow over time, as long as you make your payments on time and maintain a good credit history
- Maximize your cash flow with up to 55 interest free days so you can keep more cash on hand when you need it most.
- Pay for business expenses over time with Flexible Payment Option.
- This charge card has both Due in Full and Flexible Payment Option balances. All Due in Full balances must be paid each month. Interest rate of 30% applies to each delinquent Due in Full Charge. This rate is effective from the day the account is opened. The Preferred rate of 21.99% applies to your Flexible Payment Option balance. If you have 2 separate Missed Payments in a 12 month period, the Flexible Payment Option rate for your account will be 25.99%. If you have 3 or more separate Missed Payments in a 12 month period, the Flexible Payment Option rate will be 29.99%. These rates are effective from the day the Flexible Payment Option is first available on your account.
Enjoy special benefits for you and your business.
- Extend payment solutions with Supplementary Cards for your employees.
- Make the most of the American Express Global Lounge CollectionTM, which gives you access to over 1,400 airport lounges worldwide. This includes the Centurion Lounge networkSM, Plaza Premium Lounges, as well as hundreds of lounges in domestic and international terminals designed to enhance your travel experience. Terms and conditions apply.
- Enjoy premium benefits at the Toronto Pearson Airport, including access to the Pearson Priority Security Lane and discount on parking.
- Get access to discounted base fares for you and your travel companions when you book through the International Airline Program.
- Enjoy Fine Hotels + Resorts benefits at over 1,600 properties worldwide like guaranteed late check-out, complimentary breakfast for two, and more with Business Platinum.
- Upgrade your stay with premium status at leading hotel brands like Hilton Honors and Marriott Bonvoy
- Enjoy access to specialty services and events, preferential treatment, and a dedicated Concierge team.
- Access a $100 CAD credit for NEXUS every 4 years with your Cardmembership
Access comprehensive insurance coverage for your travel needs.
- Access Out of Province/Country Emergency Medical Insurance (for under age 65), even if you don’t charge your tickets and travel arrangements to your Business Platinum Card.
- Access Trip Cancellation Insurance, Trip Interruption Insurance, Travel Emergency Assistance, and up to $500,000 Travel Accident Insurance when you fully charge your tickets and travel arrangements to your Business Platinum Card.
- Plus, access Lost or Stolen Baggage Insurance, Flight Delay Insurance, and Baggage Delay Insurance when you fully charge your airline tickets to your Business Platinum Card.
- Save money when travelling with complimentary Car Rental Theft and Damage Insurance
Access coverage that can protect your business purchases when you charge the full price of eligible items to your Business Platinum Card
- Protect your eligible purchases against accidental physical damage and theft for up to 90 days with Purchase Protection® Plan
- Double the manufacturer’s original warranty up to one additional year with Buyer’s Assurance® Protection Plan
- Equip your business with Mobile Device Insurance
*Terms and conditions apply.
American Express is not responsible for maintaining or monitoring the accuracy of the information on this website. For full details and current product information, click the Apply Now link. If you apply and get approved for an American Express Card, we may receive compensation from American Express, which can be in the form of monetary payment.
- Primary card $799
- Additional card $250
- Individual $0
- Household $0
- 2.5 %
- All Spending1.25Membership Rewards Points
- Groceries1.25Membership Rewards Points
- Gas1.25Membership Rewards Points
- Year 1 $2,351
- Year 2+ $311
- AeroplanBritish Airways ClubAsia MilesHilton HonorsMarriott BonvoyAmerican Express Membership Rewards
Advantages
- Annual Credit
- VIP Lounges
- Concierge
- Wifi
- Travel credit
Travel Insurance
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3X points on Air Canada and Air Canada Vacations
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Access to VIP Lounges
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Aeroplan Preferred Pricing
Earn up to 90,000 Welcome Bonus Aeroplan®* points.
- Earn 65,000 Aeroplan points after spending $10,500 on your Card within the first 3 months as a new American Express Aeroplan®* Business Reserve Cardmember.
- Plus, earn 25,000 Aeroplan points® when you spend $3,500 in month 13.
Earn Aeroplan points that you can redeem in a variety of ways.
- You can earn up to $5,600 in value within your first 13 months. When you combine the Welcome Bonus offer of up to $1,800 in value, your earn potential in accelerated and everyday spend earn rate categories with approximately $2,825 in value, and the $1,000 in value you get from exceptional benefits, you can earn up to $5,600 or more in value within your first 13 months. Terms and usage assumptions apply.
- Earn 3 points for every $1 spent on eligible purchases made directly with Air Canada and Air Canada Vacations®*, 2 points for every $1 spent on eligible hotels and car rentals.
- Earn 1.25 points for every $1 spent on everything else.
Make the most out of a full suite of business management tools that give you more control over your business - anytime and anywhere.
- Leverage your cash flow with the option of carrying a balance or paying in full each month
- Control employee expenses plus track and accumulate points on your account with Employee Cards, so you have an opportunity to maximize the points you earn.
Unlock business travel possibilities to make every work trip one to look forward to.
- Access more than 1,200 Priority Pass™ airport lounges around the globe. That means an oasis of comfort before your flight—regardless of your choice of airline or cabin class
- Enjoy access to select Air Canada Maple Leaf Lounges™ for you and a guest, and Air Canada Café™; in North America, with a same day ticket on a departing Air Canada or Star Alliance®* flight
- Enjoy Priority Check-In, Priority Boarding, and Priority Baggage Handling when you fly with Air Canada, together with up to eight companions
- Receive one Annual Worldwide Companion Pass when you spend $25,000 in net purchases prior to your Card anniversary date; your Pass entitles you to buy an accompanying Air Canada economy class ticket for a companion at a fixed base fare from $99 to a maximum of $599 CAD (plus taxes, fees, charges, and surcharges)
- Stay focused on getting where you need to go. Receive up to $100 CAD in statement credits every four years when NEXUS application or renewal fees are charged to your Aeroplan Business Reserve Card.
- Pay with your American Express Aeroplan Business Reserve Card and present your Aeroplan Membership Card at over 170 Aeroplan partner brands and 120 online retailers via the Aeroplan eStore to earn points twice
- If you’re departing from Toronto Pearson International Airport, enjoy the benefits of being an American Express Aeroplan Business Reserve Cardmember. Get more from your travel experience with access to Pearson Priority Security Lane, Complimentary Valet Service, 15% discount on parking rates, and 15% discount on Car Care Services
- Get a 10% Head Start. Starting in 2027, eligible Basic Cardmembers with Aeroplan Elite™* Status will receive a 10% head start toward qualification, based on Status Qualifying Credits (SQC) accumulated the year before. Roll over any unallocated unused eUpgrade Credits to the following year to enjoy during your travels.
- Enjoy priority access to the standby list and eUpgrades. Get prioritized on the standby waitlist for an Air Canada flight and higher priority when you request an eUpgrade
- Get 1,000 Status Qualifying Credits (SQC) for every $5,000 in eligible net purchases charged to your Card, up to 25,000 SQC
- Book flight reward tickets for even fewer points with Air Canada. In addition to flights, you can also redeem for hotel stays, car rentals, vacation packages, merchandise and more.
- Unlock two-car-class rental upgrades, expedited service, dedicated phone line, and more with complimentary upgrade to Avis President’s Club
American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information, click the Apply Now link. If you apply and get approved for an American Express Card, we may receive compensation from American Express, which can be in the form of monetary payment.
- Primary card $599
- Additional card $199
- Individual $0
- Household $0
- 2.5 %
- Air Canada3Aeroplan Points
- Travel2Aeroplan Points
- All Spending1.25Aeroplan Points
- Year 1 $2,226
- Year 2+ $426
- Aeroplan
Advantages
- Annual Credit
- VIP Lounges
- Concierge
- Wifi
- Travel credit
Travel Insurance
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Air Canada Benefits
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NEXUS Credit
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Access to VIP Lounges
Up to $3,000 in value† including up to 85,000 Aeroplan points† and additional travel benefits could be yours. Conditions Apply.
- Earn a welcome bonus of 20,000 Aeroplan points when you make your first Purchase with your new Card†
- Earn an additional 35,000 Aeroplan points when you spend $12,000 within 180 days of Account opening†
- Plus, earn a one-time anniversary bonus of 30,000 Aeroplan points when you spend $24,000 within 12 months of Account opening†
Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer unless otherwise indicated.
Additional Travel Benefits :
- Apply for the NEXUS program and once every 48 months get an application fee rebate (up to $100 CAD)†.
- Share first free checked bags with up to 8 travel companions† and get unlimited access to Maple Leaf Lounges† including complementary access for one guest.
- Plus, cardholders get 6 complimentary worldwide select airport lounge visits annually through the Visa Airport Companion Program†
†Terms and conditions apply.
- Primary card $599
- Additional card $199
- Individual $150,000
- Household $200,000
- 2.5 %
- Air Canada2Aeroplan Points
- Groceries1.5Aeroplan Points
- Gas1.5Aeroplan Points
- Year 1 $2,161
- Year 2+ $461
- Grocery stores
- Aeroplan
Advantages
- Annual Credit
- VIP Lounges
- Concierge
- Wifi
- Travel credit
Travel Insurance
-
Air Canada Benefits
- Get up to 75,000 Aeroplan points (a value of up to $1,500†):
- 10,000 Aeroplan points the first time you make a purchase†
- 25,000 Aeroplan points when you spend at least $7,500 within the first 3 statement periods†.
- 25,000 Aeroplan points when $40,000 or more in purchases are charged to the account within the first 12 monthly statement periods†.
- An additional bonus of 15,000 Aeroplan points when $40,000 or more in purchases are charged to the account in the first year†.
- Get a one-time annual fee rebate for the primary cardholder ($180) and three additional cardholders ($50 each): a benefit valued at $330†.
- Enjoy free first checked bag†: a benefit valued at $140 for two travelers per round-trip flight, assuming you take one Air Canada round-trip flight during the first year†.
- Enjoy access to Maple Leaf Lounges: a benefit valued at $236†.
- Primary card $180
- Additional card $50
- Individual $35,000
- Household $35,000
- 2.5 %
- Air Canada2Aeroplan Points
- Gas1.5Aeroplan Points
- Dining and Food delivery1.5Aeroplan Points
- Year 1 $2,215
- Year 2+ $355
- Aeroplan
Advantages
- Annual Credit
- VIP Lounges
- Concierge
- Wifi
- Travel credit
Travel Insurance
-
Air Canada Benefits
-
NEXUS Credit
-
Access to VIP Lounges
- Earn up to 100,000 Aeroplan points:
- 10,000 Aeroplan points when you spend $1,000 or more during your first 2 monthly statement periods†
- 40,000 Aeroplan points when you spend $5,000 or more during your first 4 monthly statement periods†
- 50,000 Aeroplan points as an additional anniversary bonus when you have at least $25,000 in net eligible purchases posted on your account during the first 12 monthly statement periods†
- Enjoy free first-baggage check-in: a value of $140 for two travellers on each round-trip flight, assuming you fly Air Canada round-trip during the first year†
- Enjoy access to Maple LeafTM lounges, a $550 value†
- Enhance your airport experience with six complimentary visits to over 1,200 airport lounges worldwide through the Visa Airport Companion Program, a value of over $370†
- Plus, get a discount on the NEXUSTM program application fee, a $100 value†
† Terms and conditions apply. The information for the CIBC® Aeroplan® Visa Infinite Privilege* Card has been collected independently by Milesopedia. The card details on this page have not been reviewed or provided by the card issuer.
- Primary card $599
- Additional card $149
- Individual $200,000
- Household $200,000
- 2.5 %
- Groceries1.5Aeroplan Points
- Gas1.5Aeroplan Points
- Drugstores1.5Aeroplan Points
- Year 1 $2,283
- Year 2+ $283
- Grocery stores
- Aeroplan
Advantages
- Annual Credit
- VIP Lounges
- Concierge
- Wifi
- Travel credit
Travel Insurance
-
Up to 5 points per dollar at grocery stores and restaurants
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Up To $150 Annual Credit
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Premium insurance
By clicking on the Subscribe button, you will be redirected directly to the National Bank credit card application form. Make sure you have the following information on hand: contact details, employment status, income and valid ID.
Terms and Conditions - Milesopedia Exclusive Promotion - World Elite Card
Welcome promotion period: June 30 to November 4, 2026.
Eligibility requirements:
- Sign up for a National Bank® World Elite® Mastercard® credit card during the promotion period via the redirection link provided on the Milesopedia network websites during the promotion as a primary cardholder, as the primary cardholder.
- Must not have held any National Bank personal Mastercard credit cards in the last 24 months as the primary cardholder.
- Keep the credit card account open and in good standing until the annual fee is refunded. To be considered in good standing, you must comply with the terms of the Credit Card Agreement, such as paying all fees and minimum payments on time.
- Must not be employed by us or any entity in our group.
Promotion description:
- Refund of the first-year annual fee for the primary cardholder. We will charge this annual fee to your new card account and then refund it. You will receive this refund within five months of opening your account, provided your account is still open and in good standing. It will appear on your statement as a credit.
- Annual fees for authorized users' cards are not eligible for this promotion.
Other conditions:
- You can only benefit from the promotion once.
- The card is issued subject to National Bank's credit approval. Other conditions apply to the issuance of the card.
- This promotion cannot be combined with any other promotion or offer applicable to National Bank credit cards and is not retroactive.
- This promotion may be changed or withdrawn without notice.
® Mastercard and World Elite are registered trademarks, and the circles design is a trademark of Mastercard International Incorporated. National Bank is an authorized user.
® The À LA CARTE REWARDS logo is a registered trademark of National Bank of Canada.
® NATIONAL BANK OF CANADA LOUNGE is a registered trademark of National Bank of Canada.
® À LA CARTE REWARDS PLAN is a registered trademark of National Bank of Canada.
® Apple Pay is a registered trademark of Apple Inc., registered in the U.S. and other countries. Apple Inc. is not a sponsor of or participant in National Bank Mobile Banking Solutions.
® Google Pay is a registered trademark of Google LLC. Use of this trademark is subject to Google Inc. Permissions.
TM À LA CARTE TRAVEL is a trademark of National Bank of Canada. The À la carte Travel agency is owned by Transat Distribution Canada Inc. and holds a Quebec permit (No. 753141).
TM À LA CARTE REWARDS is a trademark of National Bank of Canada.
® THE TOTAL, THE CONNECTED and NATIONAL BANK are registered trademarks of National Bank of Canada.
* Mastercard® World Elite®
The National Bank® World Elite® Mastercard® credit card was voted best Mastercard credit card by Milesopedia in 2026, 2025 and 2024.
The National Bank® World Elite® Mastercard® credit card was voted best travel credit card by Milesopedia in 2026, 2025 and 2024.
Every year, Milesopedia reviews credit card offers from major financial institutions and establishes its Ranking based on over 150 criteria such as fees, welcome offer, minimum income required, number of points per category, account credits, insurance, airport lounge access, etc.
- Certain restrictions apply. For more information, see the Rewards Plan section or the Plan Rules applicable to point accumulation.
- Grace period:
No interest is charged on purchases made during the month if the cardholder pays the full balance of their account within twenty-one (21) days of the statement date. This grace period does not apply to cash advances and balance transfers. Minimum payment: if your account balance is less than $10, you must pay the balance in full. If you reside in the province of Quebec, your minimum payment is 5% of your account balance plus any overdue amount, or $10, whichever is greater. If you reside outside Quebec, your minimum payment is 2.5% of the credit card account balance plus any overdue amount, or $10, whichever is greater. Account statement: an account statement is sent monthly.Table of examples of credit fees calculated over a 30-day period
Annual interest rate $500 $3,000 22.49% $9.24 $55.45 20.99% $8.63 $51.76 13.2% $5.53 $33.16 9.2% $3.78 $22.68 *Variable interest rate in effect as of September 1, 2021.
- Balance transfers and cash advances are subject to National Bank credit approval. Each amount transferred cannot be less than $250.
- Exclusive to World Elite Mastercard cardholders. Presentation of the physical credit card and boarding pass is required to access the lounge.
The National Bank® Lounge is accessible to customers traveling on international flights only (excluding flights to Canada and the United States).
You benefit from free and unlimited access with one guest and two children aged 12 and under.
Until July 31, 2026 (date subject to change), customers can enter the National Bank Lounge three hours before their flight departure time. From August 1, 2026 (date subject to change), access will be authorized for a maximum duration of 2 hours (3 hours for customers who hold a Private Banking 1859® World Elite® Mastercard® credit card).
National Bank customers who are not World Elite ® Mastercard ® cardholders can also access the current lounge based on current rates and benefit from a 25 % discount on these rates :
63,24 $ taxes included for adults (excluding discount)
$40.24 taxes included for children aged 2 to 12 (excluding discount)
free for children under 2 (excluding discount)
The entry fee is subject to change without notice and is the responsibility of the lounge operator. - Subject to providing the required supporting documents in the manner and within the prescribed timeframe. Certain conditions may apply. Only the primary cardholder of a National Bank World Elite Mastercard (Cardholder) whose account is in good standing can request a « Travel Fee Reimbursement ». « Account in good standing » means an account linked to the credit card that does not violate the Credit Card Agreement in any way and on which no restrictions apply. For example, and without limitation, the associated annual fees must have been paid in full. The maximum reimbursement of $150 can be requested from January 1 to December 31 of each year.
Eligible expenses are:
airport parking
baggage fees
seat selection
airport lounge access worldwide
airline ticket upgrades
A reimbursement request must be made within 60 days of the purchase date. Travel expenses must be charged to the National Bank World Elite Mastercard credit card account. The maximum reimbursement of $150 is applicable per account. Please allow up to 7 business days for the reimbursement to be processed from the date your request is submitted. National Bank reserves the right to request additional supporting documents for validation purposes (e.g., invoices). You must keep all receipts and supporting documents for a period of 12 months from the date you made your reimbursement request. An unused reimbursement in one year cannot be carried over to the next year. You can make your request online at rewards.nbc.ca or by calling 1-800-341-8083 (toll-free) for an agent to assist you with your travel fee reimbursement request. - Point accumulation on grocery and restaurant spending depends on the total gross monthly amount charged to the credit card account, across all categories. Earn 5 points per dollar spent on eligible grocery and restaurant purchases. The 5 points per dollar accumulation is valid for the first $2,500 of gross monthly purchases charged to the account. Beyond this amount, eligible grocery and restaurant spending will earn 2 points per dollar. The calculation of the gross monthly purchase amount is based on monthly billing. A grocery purchase means a purchase made at a merchant whose primary business is selling food, such as a grocery store, delicatessen, supermarket, fruit store, or specialty food store. Meal kit subscriptions and meal delivery services are eligible. Therefore, this definition excludes, among others, retail stores and big-box stores whose primary business is selling non-food items. Some merchants may sell products or services identical or similar to those of eligible merchants, or are separate merchants located on the same premises as eligible merchants, but are classified by Mastercard in different categories. Purchases made from other merchants only earn base reward points. A restaurant purchase means a purchase made at a restaurant, including quick-service restaurants, bars, discotheques, nightclubs, and taverns. To view the full list of Mastercard codes associated with eligible merchants, download the À la carte Rewards Plan® terms and conditions document.
- These protections apply if the purchases or rental are paid for in part with the card before departure, except, if applicable, for out-of-province medical-hospital insurance for which it is not necessary to charge the purchase of an à la carte trip and for baggage delay protection where the full cost of transport must have been charged to the card. All these protections apply to the primary cardholder, their spouse and/or their dependent children when they (spouse and dependent children) travel with the cardholder. Extended warranties apply to most new items purchased with the card, in Canada or abroad, provided the manufacturer’s warranty exists and is valid in Canada. Certain conditions, limitations and restrictions apply. For more information and details regarding your insurance coverage, please consult the insurance certificate linked to your card.
- Subject to credit approval by National Bank.
- Certain conditions apply. Visit mastercard.ca for more information. See all credit card terms and conditions.
- To earn 2 points per dollar spent, you must pay for your gas or electric charging purchases at a gas station or certain big-box stores. Some merchants may sell products or services identical or similar to those of eligible merchants, or are separate merchants located on the same premises as eligible merchants, but are classified by Mastercard in different categories. Purchases made from other merchants only earn base reward points. To view the full list of Mastercard codes associated with eligible merchants, download the À la carte Rewards Plan® terms and conditions document.
- Recurring bill payments are defined as payments made monthly or regularly that are automatically charged by the merchant to your National Bank World Elite Mastercard. Not all merchants offer recurring payments, and not all recurring payments are considered recurring bill payments. Therefore, some payments may not qualify for accelerated reward points.
- To earn 2 points per dollar spent, you must pay for your eligible purchases through the À la carte TravelTM agency section of our À la carte RewardsTM site.
- For example, if you spend $400 monthly on groceries, $200 on gas, $100 on recurring bills and $150 on other purchases, the $850 spent will generate 2,750 points, broken down as follows: 2,000 points for grocery spending (since the total gross monthly amount is $850, which is less than $2,500), 400 points for gas spending, 200 points for recurring bills and 150 points for other purchases.
- Insurance up to $1,000 in case of breakage, loss or theft of mobile devices for a maximum period of 2 years following the date of purchase. Subject to purchasing the device with the National Bank World Elite Mastercard or a phone service subscription paid by recurring payments from your National Bank Platinum Mastercard starting September 1, 2022. For all conditions, please consult the insurance certificate linked to your card.
- Primary card $150
- Additional card $50
- Individual $80,000
- Household $150,000
- 2.5 %
- Groceries5Points
- Dining and Food delivery5Points
- Gas2Points
- Year 1 $1,373
- Year 2+ $923
- Grocery stores
- NBC Rewards
Advantages
- Annual Credit
- VIP Lounges
- Concierge
- Wifi
- Travel credit
Travel Insurance
-
Transfer your points to airline partners
-
Premium Insurance
-
Access to VIP Lounges
Get up to 70,000 Avion points1 – a travel value of up to $1,500†!
Apply by August 12, 2026.
Points and Rewards
- Earn 1.25 Avion points for every $1 you spend
- Choose the airline, flight and departure that suit you3
- You can also redeem your points for vacation packages, hotels, cruises and tours5
Refer to RBC page for up to date offer terms and conditions
† Based on the Air Travel Reward redemptions from the Air Travel Redemption Schedule starting at 35,000 Avion points for one round-trip long-haul flight to almost anywhere in Canada or the United States with a maximum ticket price of $750, you will need a minimum of 70,000 Avion Points for two round-trips long-haul flights to almost anywhere in Canada or the United States, exclusive of Hawaii and Alaska. All applicable taxes, service fees and surcharges are the responsibility of the traveler. For more details, including information on redeeming for first class and business class seats, visit: www.avionrewards.com/travel/index.html. For general redemption terms, conditions and restrictions that apply to the Avion Rewards program, please visit: www.avionrewards.com or call 1-800 ROYAL 1-2 (1-800-769-2512).
1 This offer only applies to new applications for an RBC Avion Visa Infinite Privilege credit card received between « July 16, 2026 » and « August 12, 2026 » (« Offer Period ») and approved by Royal Bank of Canada (« Royal Bank ») subject to the conditions below. Additional cardholders(s) (co-applicant and authorized user(s)) on the RBC Avion Visa Infinite Privilege credit card account, as well as existing cardholders on any RBC Royal Bank personal credit card account transferring to an RBC Avion Visa Infinite Privilege credit card account during the offer period, are not eligible for the offer.
35,000 welcome Avion points (« Welcome Points ») will appear on your monthly credit card statement within sixty (60) days after your application has been approved, provided that your RBC Avion Visa Infinite Privilege credit card account (« Credit Card Account ») remains open and in good standing at the time the Welcome points are credited to your account, « good standing » meaning that your Credit Card Account must not be past due for more than two (2) consecutive credit card account statement periods, closed, charged off or in credit revoked status.
You will receive 20,000 bonus Avion points (« Bonus Points ») if a total of $5,000 or more (« Qualifying Transaction Amount ») in qualifying net purchases and/or pre-authorized bill payment transactions (« Qualifying Transactions ») are posted to your Credit Card Account within the first six (6) months from your Credit Card Account opening date (« Period »). The Bonus Points will appear on your monthly credit card statement within sixty (60) days after you reach $5,000 in Qualifying Transactions, provided your Credit Card Account remains open and in good standing at the time the Bonus Points are credited to your account.
Qualifying Transactions exclude cash advances (including balance transfers, cash-like transactions and bill payments that are not pre-authorized charges that you set up with a merchant), interest charges and fees, and credits for returns and adjustments posted to your Credit Card account during the Period will reduce the amount of your Qualifying Transactions. The Qualifying Transaction Amount is based on the transaction posting date of each Qualifying Transaction, not the transaction date. This means that transactions that take place prior to the last day of the Period will not be considered for the Qualifying Transaction Amount if they have not yet been posted or processed by the merchant, the payment network (Visa) or Royal Bank by the last day of the Period.
15,000 additional Avion points (« Anniversary Points ») will appear on your monthly credit card statement within twelve (12) to sixteen (16) weeks after the one-year anniversary of your account opening, provided that your Credit Card Account remains open and in good standing at the time the Anniversary Points are credited to your account.
If you close or change your Credit Card Account for another type of RBC Royal Bank credit card before the Welcome Points, the Bonus Points and/or the Anniversary Points have been credited to your account, you may lose the benefit of this offer. This offer may not be combined or used in conjunction with any other offer. Royal Bank reserves the right to cancel, modify or withdraw this offer at any time without notice, even after your application has been approved, including if we suspect that you may be manipulating or abusing it, or engaging in any suspicious or fraudulent activity, as determined by Royal Bank in its sole discretion. For complete terms and conditions that apply to the Avion Rewards Program, please visit www.avionrewards.com or call 1-800-769-2512.
- Primary card $399
- Additional card $99
- Individual $200,000
- Household $200,000
- 2.5 %
- All Spending1.25Points
- Groceries1.25Points
- Gas1.25Points
- Year 1 $1,921
- Year 2+ $321
- AAdvantageBritish Airways ClubAsia MilesRBC Avion Rewards - EliteWestJet Rewards
Advantages
- Annual Credit
- VIP Lounges
- Concierge
- Wifi
- Travel credit
Travel Insurance
-
$100 Annual Credit
-
Access to VIP Lounges
-
Transfer your points to airline and hotel partners
Earn up to 60,000 Membership Rewards® points:
- New American Express® Gold Rewards Cardmembers, earn 5,000 Membership Rewards® points for each monthly billing period in which you spend $1,000 in net purchases on your Card
Card features
- Earn 2 points for every $1 in Card purchases for eligible travel purchases, including flights, hotels, car rentals, cruises, and more
- Earn 2 points for every $1 in Card purchases at eligible gas stations, grocery stores and drugstores in Canada, and 1 point for every $1 in Card purchases everywhere else
- The Card is now available in your choice of Gold or Rose Gold metal options
- Receive a C$50 statement credit when you charge your American Express Gold Rewards Card for NEXUS membership or renewal fees
- You have access to an annual $100 CAD Travel Credit, compliments of your American Express Gold Rewards Card. Use the credit once annually towards any single travel booking of $100 or more charged to your Gold Rewards Card through American Express Travel Online
- As a Gold Rewards Cardmember, you can receive complimentary membership in Priority PassTM – one of the world’s largest independent airport lounge programs. Escape the chaos of airports and relax in an oasis of calm and simply enjoy the fact that the travel experience has begun before your plane has even left the ground. Enrollment is required and entry fees apply
- Enjoy four (4) free visits per calendar year to Plaza Premium lounges in Canada. Entry fees apply once complimentary visits have been used
- Charge any eligible purchase to your credit Card then log in to redeem your earned points for a statement credit
- Transfer points 1:1 to several frequent flyer and other loyalty programs
- 1 Free Additional Gold Rewards Card (a $50 value) to help you earn points faster
- Subject to approval. The preferred rate for purchases is 21.99% and funds advances is 21.99%. If you have Missed Payments, the applicable rates for your account will be 25.99% and/or 29.99%. See the information box included with the application for the definition of Missed Payment and which rates apply to charges on your account and other details.
Apply with confidence!
- See if you’ll be approved before you apply – with no impact to your credit score.*
- When applying for a new card, businesses will typically run a “hard check” of your credit report. A hard credit check can cause a temporary impact to your credit score.
- Unlike many lenders, for American Express’ personal cards, you can see if you will be approved before you apply without impacting your credit score
- A soft credit check is a check into your credit report initiated either by you or a company even if you didn’t apply for credit. It is primarily used to screen for pre-approval financing offers or for a background check
- Available for American Express personal cards, we’ll let you know your eligibility with no impact to your credit score, so you can submit your application with confidence.*
*Instant decisions are only available for Consumer (also known as Personal) Card applications.
LegalAmerican Express is not responsible for maintaining or controlling the accuracy of the information published on this website. For full and up-to-date product information, click on the Apply now link. Terms and conditions apply.
- Primary card $250
- Additional card $0
- Individual $0
- Household $0
- 2.5 %
- Groceries2Membership Rewards Points
- Gas2Membership Rewards Points
- Drugstores2Membership Rewards Points
- Year 1 $1,609
- Year 2+ $589
- Grocery stores
- AeroplanBritish Airways ClubAsia MilesEtihad GuestFlying BlueHilton HonorsMarriott BonvoyAmerican Express Membership Rewards
Advantages
- Annual Credit
- VIP Lounges
- Concierge
- Wifi
- Travel credit
Travel Insurance
-
Porter Benefits
-
Premium Insurance
-
Accepted at Costco
Welcome offer: Get up to $2,400 in value* including 70,000 VIPorter points and a round-trip companion pass.* Plus receive $1,000 in Qualifying Spend, and pay no annual fee in your first year.*
- Earn 3 points for every $1 spent on Porter purchases*
- Earn 2 points for every $1 spent on gas and transportation
- Earn 2 points for every $1 spent on groceries and dining
- Earn 2 points for every $1 spent on hotel accommodations
- Earn 1 point for every $1 spent everywhere else
Benefits
- Automatically become an Avid Traveller (VIPorter Venture)
- One round-trip companion pass per year†
- 1 complimentary checked bag*
- 1 complimentary carry-on bag on all Porter fare types*
- Free PorterClassic seat selection*
- Priority security*
- Priority re-accommodation for flight delays*
- Dedicated check-in*
- Early boarding*
- No expiration of VIPorter points.
- Earn $1 of qualifying spend for every $25 spent*
*This benefit applies to up to 8 companions travelling on the same booking
Travel insurance
- 21-day out-of-province or country emergency medical insurance
- Trip Cancellation/Interruption/Delay insurance
- Car rental-collision/loss damage insurance
- Common carrier insurance
- Flight Delay Insurance
- Baggage insurance
- Hotel burglary insurance
Purchasing insurance
- Shop confidently with an extended warranty and purchase protection
Other Benefits
- Enjoy six months of Instacart+ and a $10 monthly Instacart credit when you enroll your eligible BMO Credit Card.*
- Complimentary membership in Mastercard Travel Pass provided by DragonPass. As a member enjoy lounge access for a fee of just US$32 per person, per visit. Registration is required. Visit the Mastercard Travel Pass website or use the Mastercard Travel Pass mobile application to register
- Save up to 20% on National Car Rental® and Alamo Rent A Car® and up to 5% on Enterprise Rent-A-Car® at locations worldwide using the Car Rental Booking tool
- Discover a world of Mastercard Travel Rewards cash back offers when you shop, dine and relax with our partners outside of Canada.
- Get 20% off admission to Cirque du Soleil shows touring Canada and 15% off resident shows in Las Vegas
- Save up to 7% on your Booking.com prepaid hotel or property rental bookings at booking.com/mastercardcanada
- Access valuable benefits and offers for digital everyday services from a variety of on-demand apps and subscription services.
†Conditions apply.
BMO is not responsible for updating the content of this site. For the most up-to-date information, please click on the Online Application link.
- Primary card $199
- Additional card $75
- Individual $80,000
- Household $150,000
- 2.5 %
- Groceries2Points
- Gas2Points
- Dining and Food delivery2Points
- Year 1 $1,764
- Year 2+ $316
- Grocery stores
- Public Transportation
- VIPorter
Advantages
- Annual Credit
- VIP Lounges
- Concierge
- Wifi
- Travel credit