The National Bank World Elite® Mastercard® offers a first year annual fee rebate (regular fee $150/yr). You earn 5x on groceries and 5x at restaurants.

First-Year Annual Fee Rebate
Annual Fee
$150 $0
Rewards rate
1x

NBC Rewards

Our valuation
$300

Milesopedia estimate

Welcome offer
First Year Annual Fee Rebate

$150 annual fee rebated

Ends Nov 4, 2026

Pros

  • First Year Annual Fee Rebate
  • 5x on groceries
  • 5x at restaurants

Cons

  • No welcome bonus
  • Requires good credit

It comes with a welcome bonus of up to 15,000 points. You earn 5x on groceries and 5x at restaurants.

Annual Fee
$191.88

$15.99/mo

Rewards rate
1x

Amex Membership Rewards

Our valuation
$255

Milesopedia estimate

Welcome Bonus
15,000 points

(Up to)

Pros

  • Welcome bonus of up to 15,000 points
  • 5x on groceries
  • 5x at restaurants

Cons

  • High annual fee ($191.88)

The BMO eclipse Visa Infinite* Card offers a first year annual fee rebate (regular fee $120/yr). It comes with a welcome bonus of up to 80,000 points. You earn 5x on groceries and 5x at restaurants.

First-Year Annual Fee Rebate
Annual Fee
$120 $0
Rewards rate
1x

BMO Rewards

Our valuation
$656

Milesopedia estimate

Welcome Bonus
80,000 points

(Up to)

Ends Aug 31, 2026

Pros

  • First Year Annual Fee Rebate
  • Welcome bonus of up to 80,000 points
  • 5x on groceries
  • 5x at restaurants

Cons

  • Requires good credit

The Scotia Momentum® Visa Infinite +* Card offers a first year annual fee rebate (regular fee $120/yr). It comes with a welcome bonus of up to $300. You earn 4x on groceries and 1x at restaurants.

First-Year Annual Fee Rebate
Annual Fee
$120 $0
Rewards rate
1x

Cash Back

Our valuation
$420

Milesopedia estimate

Welcome Bonus
$300

(Up to)

Ends Nov 1, 2026

Pros

  • First Year Annual Fee Rebate
  • Welcome bonus of up to $300
  • 4x on groceries

Cons

  • Requires good credit

The CIBC Dividend® Visa Infinite* Card offers a first year annual fee rebate (regular fee $120/yr). It comes with a welcome bonus of up to $300. You earn 4x on groceries and 2x at restaurants.

First-Year Annual Fee Rebate
Annual Fee
$120 $0
Rewards rate
1x

Cash Back

Our valuation
$420

Milesopedia estimate

Welcome Bonus
$300

(Up to)

Pros

  • First Year Annual Fee Rebate
  • Welcome bonus of up to $300
  • 4x on groceries
  • 2x at restaurants

Cons

  • Requires good credit

The PC® World Elite® Mastercard® has no annual fee, making it risk-free to hold. It comes with a welcome bonus of 20,000 points. You earn 30x on groceries and 10x at restaurants.

Annual Fee
$0
Rewards rate
10x

PC Optimum

Our valuation
$20

Milesopedia estimate

Welcome Bonus
20,000 points

Pros

  • No annual fee
  • Welcome bonus of 20,000 points
  • 30x on groceries
  • 10x at restaurants

Cons

  • Requires good credit