5% Cash back on groceries.

4% Cash back on transit including ride sharing, taxis and public transportation.*

3% Cash back on gas and electric vehicle charging.*

2% Cash back on recurring bill payments.

1% Cash back on all other purchases*.

Card Details 

• Welcome offer: Get up to 10% cash back in your first 3 months and the $120 annual fee waived in the first year.*

• Earn more cash back on the categories that mean the most: 5% on groceries.* 4% on transit including ride sharing, taxis and public transportation.* 3% on gas and electric vehicle charging.* 2% on recurring bill payments like your monthly phone bill or favourite streaming service.* 1% unlimited cashback on all other purchases.*

• Get the highest cash back earn rate on groceries in Canada.†

• Get valuable benefits and offers for digital everyday services from a variety of on-demand apps and subscription services.

• Extended Warranty Plus.*

• Purchase Protection Plus.*

• Complimentary membership in Mastercard Airport Experiences provided by LoungeKey.*

• Access over 1 million Wi-Fi hotspots around the world - all at no added cost, and no added fees or roaming charges.*

• Complimentary Roadside Assistance Program.*

• BMO CashBack World Elite Travel and Medical Protection.*

• BMO Concierge Service.*

• Unlock Mastercard Travel Rewards cashback offers when you travel and shop outside of Canada.

• *Terms and conditions apply.

• †Statement based on a comparison of the non-promotional grocery rewards earn rate on Canadian cash back credit cards as of January 4, 2023.

• BMO is not responsible for maintaining the content on this site. Please click on the Apply now link for the most up to date information.

3x Miles for every $12 spent at participating AIR MILES Partners

2x Miles for every $12 spent at any eligible grocery store.

2x Miles for every $12 spent at any eligible wholesale clubs, membership-based retailers and alcohol retailers.

1x Mile for every $12 that you spend with your credit card everywhere else.

Rewards

• Welcome Offer: Get 7,000 AIR MILES Bonus Miles!* That’s enough for $730 towards your purchases with AIR MILES Cash!* Plus, get the $120 annual fee waived for your first anniversary.

• Earn over 10x faster than other AIR MILES collectors: Get 3x the Miles for every $12 spent at participating AIR MILES Partners and 2x the Miles for every $12 spent at any eligible grocery store*.

• 2x the Miles for every $12 spent at any eligible wholesale clubs, membership-based retailers and alcohol retailers.*

• Plus, 1 Mile for every $12 that you spend with your credit card everywhere else.*

• Plus, you now have the flexibility to move your Miles between Cash and Dream with our new Transfer Miles feature, so if you want to turn your Cash Miles into a dream vacation, go for it!

• Enjoy a 7¢/L discount on Shell V-Power®± premium fuel and 2¢/L on all other Shell fuel every time you fuel up!

• Complimentary membership in Mastercard Travel Pass provided by DragonPass.*

• Use less Miles with our exclusive 25% discount on one worldwide AIR MILES flight redemption during the calendar year.*

• BMO AIR MILES World Elite Travel and Medical Protection.*

• Unlock Mastercard Travel Rewards cashback offers when you travel and shop outside of Canada.

• *Terms and conditions apply.

• BMO is not responsible for maintaining the content on this site. Please click on the Apply now link for the most up to date information.

6x Points on every $1 you spend at Sobeys, Safeway, Freshco, Foodland and more.

5x Points for every $1 you spend on dining & food delivery. Includes popular food delivery and food subscriptions.

5x Points for every $1 you spend at other eligible grocery stores.

5x Points for every $1 you spend in Canada on eligible entertainment purchases. Includes movies, theatre and ticket agencies stores.

3x Points for every $1 CAD you spend in Canada on eligible gas purchases.

3x Points for every $1 CAD you spend in Canada on eligible daily transit options. Includes rideshares, buses, subway, taxis and more.

3x Points for every $1 CAD you spend in Canada on eligible select streaming services.

1x Point for every $1 spent on all other eligible everyday purchases.

Rwards

• Earn up to $780* in value in the first 12 months, including up to 40,000 bonus Scene+ points.¹

• Earn 6x Scene+ points¹ on every $1 you spend at Sobeys, Safeway, Freshco, Foodland and more

• Earn 5x Scene+ points¹ for every $1 you spend on dining, food delivery and other eligible grocery stores. Includes popular food delivery and food subscriptions.

• Earn 5x Scene+ points¹ for every $1 you spend in Canada eligible entertainment purchases. Includes movies, theatre and ticket agencies stores.

• Earn 3x Scene+ points¹ for every $1 CAD you spend in Canada on eligible gas and daily transit options. Includes rideshares, buses, subway, taxis and more

• Earn 3x Scene+ points¹ for every $1 CAD you spend in Canada on eligible select streaming services

• Plus earn 1 Scene+ point for every $1 spent on all other eligible everyday purchases

• Earn additional benefits + up to 4X Scene+ points for every dollar you spend on hotel bookings, car rentals, and things to do with Scene+ Travel, Powered by Expedia.

• No Foreign Transaction Fee

• Comprehensive Travel Insurance coverage

• AMEX Offers®

• AMEX Front of the Line®

• American Express Invites®

• Complimentary Concierge Services

• Rates, fees and other information are effective as of January 3, 2025. Subject to change.

• *See Card Provider's website and Card Application for complete card details, terms and current offers. Reasonable efforts are made to maintain accuracy of information.

2x Points† for every $1 spent on eligible purchases made direct through Air Canada® purchases (including Air Canada Vacations®).

1.5x Points for every $1 spent on eligible gas, electric vehicle charging, groceries, travel & transit and dining purchases.

1.25x Points† for every $1 spent on all other purchases made with your Card.

Rewards

• Earn up to $3,000 in value† including up to 85,000 Aeroplan points†. Conditions Apply. Offer effective as of January 7, 2025.

• 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†.

• Starbucks Bonus Offer for New Linked Members†: Link your TD Aeroplan Visa Infinite to earn 600 Starbucks Stars and redeem them for free Starbucks treats. Limited time only. Conditions and restrictions apply.

• Earn 2 points† for every $1 spent on eligible purchases made direct through Air Canada® purchases (including Air Canada Vacations®).

• Earn 1.5 points† for every $1 you charge to your Card on eligible gas, electric vehicle charging, groceries, travel & transit and dining purchases.

• Earn 1.25 points† for every $1 spent on all other purchases made with your Card.

• Earn points twice when you pay with your Card and provide your Aeroplan number at over 150 Aeroplan partner brands and at 200+ online retailers via the Aeroplan eStore (www.aeroplan.com/estore).

• Apply for the NEXUS program membership 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, primary cardholders get 6 complimentary worldwide select airport lounge visits annually through the Visa Airport Companion Program†.

• Get an annual round-trip companion pass from $99 (plus taxes, fees, charges and surcharges)†.

• Get access to Priority Airport Services† like Priority Boarding, Priority Baggage Handling, and Priority Airport Standby & Priority Airport Upgrades†.

• Travel Medical Insurance†: Up to $5 million of coverage for the first 31 days. If you or your spouse is aged 65 or older, you are covered for the first 4 days of your trip. Additional top-up coverage is available.

• To be eligible, $150,000 annual personal income or $200,000 household annual income is required. Also, you must have a Canadian credit file and be a Canadian resident of the age of majority in the province or territory where you live.

• †Terms and conditions apply.

• This offer is not available for residents of Quebec.

• The Toronto-Dominion Bank (TD) is not responsible for the contents of this site including any editorials or reviews that may appear on this site. For complete and current information on any TD product, please click the Apply Now button.

2x Points on eligible dining and food delivery purchases in Canada.

2x Points on eligible travel purchases.

1x Points on all other purchases.

Rewards 

• Unlock special experiences with the Platinum Card®.

• Earn up to 100,000 Membership Rewards® points - that’s up to $1,000 towards a weekend away

• New Platinum® Cardmembers, earn 70,000 Welcome Bonus points after you charge $10,000 in net purchases to your Card in your first 3 months of Cardmembership

• Plus, earn 30,000 points when you make a purchase between 14 and 17 months of Cardmembership

• Earn 2 points for every $1 in Card purchases on eligible dining and food delivery in Canada, 2 points for every $1 in Card purchases on eligible travel, and 1 point for every $1 in all other Card purchases.

• Access a $200 Annual Travel Credit through American Express Travel Online or Platinum® Card Travel Service.

• Enjoy a $200 Annual Dining Credit at some of Canada’s best restaurants.

• Unlock $200 or more in additional value with Member extras. You can earn statement credits for qualifying purchases with participating brands.

• Take full advantage of The American Express Global Lounge Collection™ which unlocks access to over 1,400 airport lounges worldwide. This includes The Centurion® Lounge network, Plaza Premium Lounges, and hundreds of other domestic and international lounges designed to enhance your travel experience

• Enjoy flexible ways to use your points such as statement credits for any eligible purchase charged to your Card, new travel purchases booked on American Express Travel Online through the Flexible Points Travel Program, and eligible flights through the Fixed Points Travel Program.

• Transfer points 1:1 to several frequent flyer and other loyalty programs.

• Enjoy complimentary benefits that offer an average value of $600 USD at over 1,500 extraordinary properties worldwide when you book Fine Hotels + Resorts

• Platinum Cardmembers can enjoy access to special events and unique opportunities.

• Enjoy premium benefits at the Toronto Pearson Airport.

• You will also have access to many leading hotel and car rental companies’ loyalty programs. Our partners include Marriott International, Hilton Hotels and Resorts, Hertz and Avis.

• Interest applies in accordance with your Cardmember Agreement, Information Box, and Disclosure statement if the total New Balance is not paid by the Payment Due Date each month. All payments must be received by the Payment Due Date shown on the monthly statement.

• 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, NerdWallet may receive compensation from American Express, which can be in the form of monetary payment.

2x Points for every $1 you spend on all your eligible purchases.

• Earn up to $2,500* in value in the first 14 months, including up to 80,000¹ bonus Scene+ points.

• Plus earn 2X Scene+ points for every $1 spent on all other eligible purchases.

• Earn additional benefits + up to 4X Scene+ points for every dollar you spend on hotel bookings, car rentals, and things to do with Scene+ Travel, Powered by Expedia.

• No Foreign Transaction Fee

• Comprehensive Travel Insurance coverage

• Mobile Device Insurance coverage

• 10 complimentary Airport Lounge Passes per year

• Platinum VIP Offers+

• American Express Invites®

• Premium Complimentary Concierge Services

• Rates, fees and other information are effective as of January 3, 2025. Subject to change.

• *See Card Provider's website and Card Application for complete card details, terms and current offers. Reasonable efforts are made to maintain accuracy of information.

3x Points on eligible purchases made directly with Air Canada and Air Canada Vacations.

2x Points on eligible Dining and Food Delivery purchases in Canada.

1.25x Points on on everything else.

• New American Express® Aeroplan®* Reserve Cardmembers can earn up to 130,000 Aeroplan points.

• Earn 60,000 Aeroplan points after you spend $7,500 on your Card in your first 3 months.

• Plus, earn an additional 40,000 points after you spend a total of $45,000 on your Card in your first 12 months of Cardmembership.

• You can also earn 30,000 points when you make a purchase between 15 and– 17 months of Cardmembership.

• That’s up to $3,500 or more in value when you combine your bonus points and card benefits.

• Offer ends August 18, 2025.

• 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

• 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

• 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.

• 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)

• 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.

• Roll over any unallocated Aeroplan Elite™* Status Qualifying Miles and unused eUpgrade Credits to the following year to enjoy during your travels.

• Get access to more than 1,200 Priority Pass™ airport lounges and enjoy an oasis of comfort before your flight, regardless of your airline or cabin class.

• Amex Experiences™ 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 Car Care Services

• Insurance Coverage: whether you’re shopping nearby or travelling abroad, you can feel confident knowing you can be taken care of.

• American Express® Aeroplan®* Reserve Card is made from precision cut and engraved 13g metal – it’s the perfect companion on your next exceptional journey

• 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, (I/we) may receive compensation from American Express, which can be in the form of monetary payment.

3x Points on every $1 you spend at Sobeys, Safeway, IGA, Foodland and participating Co-ops and more.

2x Points for every $1 you spend on other eligible grocery stores.

2x Points for every $1 you spend on eligible dining purchases.

2x Points for every $1 you spend on eligible entertainment purchases.

2x Points for every $1 you spend on eligible daily transit options (including rideshares, buses, subways taxis and more).

1x Point for every $1 spent on all other eligible everyday purchases.

Rewards

• Earn up to $1,300* in value in the first 12 months, including up to 40,000 bonus Scene+ points.¹

• Earn 3x Scene+ points¹ on every $1 you spend at Sobeys, Safeway, IGA, Foodland and participating Co-ops and more.

• Earn 2x Scene+ points¹ for every $1 you spend on other eligible grocery stores, dining, eligible entertainment purchases and eligible daily transit options (including rideshares, buses, subways taxis and more).

• Plus earn 1 Scene+ point for every $1 spent on all other eligible everyday purchases.

• Earn additional benefits + up to 4X Scene+ points for every dollar you spend on hotel bookings, car rentals, and things to do with Scene+ Travel, Powered by Expedia.

• No Foreign Transaction Fee.

• 6 Complimentary Airport Lounge Access.

• Comprehensive Travel Insurance coverage.

• Visa Infinite* Concierge Services.

• Visa Infinite* Hotel Collection.

• Visa Infinite* Dining and Wine Country program.

• Rates, fees and other information are effective as of January 3, 2025. Subject to change.

• *See Card Provider's website and Card Application for complete card details, terms and current offers. Reasonable efforts are made to maintain accuracy of information.