Top Specialty Credit Cards

Below are the top specialty credit cards in Canada (sorted by annual fees):


  • No annual fee
  • Earn 800 sign up bonus Miles (apply before May 31, 2024) (earn 800 miles after spending $1,000 within the first 3 months)
  • Earn 5x the Air Miles at participating Shell gas stations
  • Earn 3 Air Miles for every $25 spent at Air Miles partners
  • Earn 1 Air Miles for every $25 spent on all other purchases
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  • No annual fee
  • Earn 7¢ per litre cash back on premium fuel at any Gas + location
  • Earn 5¢ per litre cash back on regular fuel at any Gas + location
  • Earn 4% cash back on qualifying purchases made online and in-store at Canadian Tire, Mark’s, Sport Chek and Atmosphere
  • Earn 3% cash back in Canadian Tire Money on grocery store purchases
  • Earn 1% cash back on all other purchases
  • Have at least $80,000 in personal annual income
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  • No annual fee
  • Earn 5% back at Amazon.ca, grocery stores, and restaurants (for 6 months or the first $3,000 in eligible purchases)
  • Earn 2.5% back (Prime members) on Amazon.ca, Whole Foods Market purchases, as well as foreign transactions
  • Earn 1.5% back (non Prime members) on Amazon.ca and Whole Foods Market purchases
  • Earn 1% back other purchases
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  • No annual fee
  • Earn 20,000 sign up bonus PC points
  • Earn 45 PC Optimum points for every $1 spent at Shoppers Drug Mart and Pharmaprix
  • Earn 30 PC Optimum points for every $1 spent at PC stores, pctravel.ca and PC mobile (excluding PC mobile prepaid services)
  • Earn 30 PC Optimum points per litre of Esso Supreme (Octane 91) and Esso SUPREME+ (Octane 93)
  • Earn 20 PC Optimum points per litre on other gasoline or diesel
  • Earn 10 PC Optimum points for every $1 spent on all other purchases
  • Have at least $80,000 in personal annual income or $150,000 household income
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  • No annual fee
  • Earn 5,000 sign up bonus Scene points (after spending $750 in the first 3 months) (apply before October 31, 2023)
  • Earn 5 Scene points for every $1 spent at Cineplex Entertainment theatre or online
  • Earn 1 Scene point for every $1 spent on all other purchases
  • Have at least $12,000 in personal annual income
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  • $120 annual fee (waived the first year by applying before May 31, 2024)
  • $50 annual fee for a supplementary cardholder
  • Earn 2,000 sign up bonus Air Miles (earn 2,000 after spending $3,000 in the first 3 months) (apply before July 23, 2023)
  • Earn 3 Air Miles for every $12 at Air Miles partners
  • Earn 1 Air Mile for every $12 on all purchases
  • Have at least $80,000 in personal annual income or $150,000 household income
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  • $120 annual fee
  • $50 annual fee for a supplementary cardholder
  • Earn 30,000 sign up bonus points (earn 10,000 after spending $2,000 in the first 90 days and earn 10,000 after choosing paperless statements)
  • Earn 5 points for every $1 spent on digital media, groceries, household utilities, memberships and restaurants purchases (up to $50,000 in cumulative annual spending for all categories)
  • Earn 1 point for every $1 spent on all purchases and thereafter
  • Have at least $80,000 in personal annual income or $150,000 household income
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  • $120 annual fee (waived the first year by applying before October 31, 2023)
  • $29 annual fee for a supplementary cardholder
  • Earn 40,000 sign up bonus Scene+ points (earn 20,000 after spending $1,000 in the first 3 months and an additional 20,000 points after spending $7,500 in the first year) (apply before October 31, 2023)
  • Earn 6 points for every $1 spent at Chalo! FreshCo, Co-Op, Foodland, FreshCo, IGA, IGA West, Les Marchés Tradition, Rachelle Béry, Safeway, Sobeys, Thrifty Foods, Voilà par IGA, Voilà by Safeway, Voilà by Sobeys
  • Earn 5 points for every $1 spent on grocery, dining, entertainment and daily transit
  • Earn 3 points for every $1 spent on gas, transit, and select streaming services
  • Earn these 6, 5 and 3 multiplier bonus points on the first $50,000 in annual spending cumulative of the above mentioned categories
  • Earn 1 point for every $1 spent on all other purchases and thereafter
  • No foreign transaction fees
  • Have at least $12,000 in personal annual income
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  • $150 annual fee (first year fee waived by applying before May 31, 2024)
  • $50 annual fee for each supplementary card
  • Earn 60,000 sign up bonus BMO Reward points (earn 30,000 points after spending $3,000 in the first 3 months, earn 2,500 points per month after spending $2,000 per month in the first 12 months) (if you apply before May 31, 2024)
  • Earn 3 points for every $1 spent on travel, dining and entertainment purchases
  • Earn 2 points for every $1 spent on all other purchases
  • Receive 4 free lounge passes with MasterCard Airport Experiences
  • Have at least $80,000 in personal annual income or $150,000 household income
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  • $150 annual fee
  • $50 annual fee for a supplementary cardholders
  • Earn 1.5 points per dollar in purchases (on the first $0 to $40,000 in purchases in an anniversary year)
  • Earn 2 points per dollar in purchases (on the next $40,001 to $80,000 in an anniversary year)
  • Earn 1.5 points per dollar in purchases (on $80,001 and more in purchases in an anniversary year)
  • Unlimited access to the National Bank Lounge at the Montreal Airport
  • Received $250 on seat selection, airport parking and baggage fees (annually)
  • Have at least $80,000 in personal annual income, $150,000 household income or have $400,000 asset under management. Or $25,000 in minimum purchases per year (existing client only)
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Credit terms

Grace period: No interest will be charged on purchases made during the month, provided the client pays the balance in full within twenty-one (21) days of the statement date. This grace period does not apply to cash advances or balance transfers. Minimum payment: If your account balance is lower than $10, you must pay the entire balance. If you reside in the province of Quebec, your minimum payment will correspond to 5% of the credit card account balance plus any overdue payment or $10, whichever amount is higher. If you reside outside of Quebec, your minimum payment represents 2.5% of the credit card account balance plus any overdue payment or $10, whichever amount is higher. Account statement: A statement is sent monthly. 

Example of credit charges over a 30-day period 

Annual interest rate Average balance 
 $500 $3,000 
22.49% $9.24 $55.45 
20.99% $8.63 $51.76 
12.90% $5.30 $31.81 
8.9% $3.66 $21.95 

*Variable interest rate in effect on September 1, 2021 

Balance transfer and cash advance are subject to credit approval by National Bank. Each balance transfer must be at least $250. 

Details of eligible rewards points

Certain restrictions apply. For more information, consult the Rewards plan section or the Plan rules regarding how to earn points. 

The amount of points earned on grocery and restaurant purchases depends on the total gross monthly amount charged to the credit card account, regardless of the purchase category. You will earn 5 points for every dollar in eligible grocery and restaurant purchases until a total of $2,500 in gross monthly purchases is charged to the account. After that, you will earn 2 points per dollar in eligible grocery and restaurant purchases. The total gross monthly amount is calculated based on your monthly billing period. Grocery purchases include any purchase made at a store that primarily sells food, i.e., grocery store, delicatessen, supermarket, greengrocer or specialty food store. Ready-to-eat meal services and meal delivery services are eligible. This definition excludes purchases made at retail stores and big box stores whose core business is the sale of non-food items. Certain merchants may sell products and services that appear identical or similar to those sold by eligible merchants, or may be separate merchants located on the same premises as eligible merchants, but are classified in different categories by Mastercard. For purchases at other merchants, you will only earn regular rewards points. Restaurant purchases include purchases at a restaurant, fast food restaurant, bar, nightclub or pub. For a full list of Mastercard codes associated with eligible merchants, download the terms and conditions of the À la carte Rewards Plan®

 To earn 2 points per dollar in purchases, you will need to purchase gas or an electrical vehicle charge from a service station or from certain big-box stores. Certain merchants may sell products and services that appear identical or similar to those sold by eligible merchants, or may be separate merchants located on the same premises as eligible merchants, but are classified in different categories by Mastercard. For purchases at other merchants, you will only earn regular rewards points. For a full list of Mastercard codes associated with eligible merchants, download the terms and conditions of the À la carte Rewards Plan®

Recurring bill payments are defined as monthly or regular payments automatically charged by a merchant to your National Bank World Elite Mastercard credit card. Not all merchants offer recurring bill payments, and not all recurring payments are considered recurring bill payments. Certain payments therefore may not entitle you to earn more points. 

 To earn 2 points per dollar in purchases, you must make your eligible purchases via the À la carte TravelTM Agency section of our À la carte RewardsTM site. 

 For example, if each month you charge $400 in groceries, $200 in gas, $100 in recurring bill payments and $150 in other purchases to your card, your $850 in purchases will earn you 2,750 points, as follows: 2,000 points for grocery purchases (since the total gross monthly amount is $850, i.e., under $2,500), 400 points for gas purchases, 200 points for recurring bill payments and 150 points for other purchases.

National Bank Lounge conditions

 Exclusively available to World Elite Mastercard cardholders. Visitors must present their physical credit card and boarding pass to access the National Bank Lounge. The National Bank Lounge is only available to clients travelling to international destinations (excluding Canada and U.S. flights). Guests cannot spend more than three (3) hours in the Lounge. For National Bank clients who do not have free Lounge access and for additional guests, admission is around $37 for adults and $26 for children, plus tax. Admission is free for children under three years old. The entry price may change at any time without notice and at the discretion of the Lounge operator.

Travel and health insurance conditions

Clients must submit required documents within the given deadline. Certain conditions may apply. Only the primary cardholder (“Cardholder”) of National Bank World Elite Mastercard whose account is in good standing can request a refund of travel expenses. An account in good standing refers to an account linked to a credit card which complies with the Agreement governing the use of the credit card and which is not subject to any restrictions. For example, the annual fees related to the credit card must have been paid in full. The maximum amount that can be submitted for reimbursement between January 1 and December 31 of each year is $150.

Eligible expenses include: 

·   airport parking fees

·   baggage fees

·   seat selection fees

·   access to airport lounges worldwide 

·   airline ticket upgrades

The claim must be submitted within 60 days of the purchase date and accompanied by proof of purchase. The travel fees must be charged to the National Bank World Elite Mastercard credit card. The maximum reimbursement amount is $150 per account. The refund will be issued within 7 business days following the request approval date and after receiving all required information. An amount not claimed in a year cannot be carried over to the following year. For more information or to obtain the refund form, sign in to rewards.nbc.ca, click the Refund of travel expenses tab and complete the form, you can also contact us at 1-888-296-8881 (toll-free).  

This coverage applies to purchases and rentals charged in part to the card, except out-of-province medical/hospital insurance for which the travel arrangements need not be charged to the card and lost or delayed luggage insurance where all transportation costs must be charged to the card. This coverage applies to the primary cardholder, their spouse and/or dependent children when they (spouse and/or dependent children) travel with the primary cardholder. Extended warranty coverage applies to most new items purchased with the card, in Canada or abroad, as long as the manufacturer’s warranty is valid in Canada. Certain conditions and restrictions apply. For more information and for details of your insurance coverage, please consult the insurance certificate associated with your card

Mobile devices protection:

Up to $1,000 in the event of breakage, loss or theft for a maximum of 2 years after the purchase date. The device must have been purchased using your National Bank World Elite Mastercard credit card, or your phone plan must be paid via recurring payments charged to your National Bank World Elite credit card starting September 1, 2022. For complete terms and conditions, please consult the insurance certificate associated with your card


  • $150 annual fee (first year fee waived by applying before October 31, 2023)
  • $50 annual fee for each supplementary card (first supplementary card free)
  • Earn 35,000 sign up bonus Scene+ points (earn 30,000 after spending $1,000 in the first 3 months) (apply before October 31, 2023)
  • Earn 10,000 bonus points annually for spending $40,000 annually
  • Earn 3 points for every $1 spent at Chalo! FreshCo, Co-Op, Foodland, FreshCo, IGA, IGA West, Les Marchés Tradition, Rachelle Béry, Safeway, Sobeys, Thrifty Foods, Voilà par IGA, Voilà by Safeway, Voilà by Sobeys
  • Earn 2 points for every $1 spent on grocery, dining, entertainment and daily transit
  • Earn these 3 and 2 multiplier bonus points on the first $50,000 in annual spending cumulative of the above mentioned categories
  • Earn 1 point for every $1 spent on all other purchases and thereafter
  • Receive 6 Priority Pass lounge passes
  • No foreign transaction fees
  • Have at least $60,000 in personal annual income, $100,000 in annual household income or $250,000 in assets under management
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  • $399 annual fee
  • $99 for supplementary cardholders
  • Earn 60,000 bonus points after the first purchase (earn 50,000 points after spending $3,000 in the first 3 months and earn 10,000 after spending $10,000 in the first 14 months) (apply before October 31, 2023)
  • Earn 2 points for every $1 spent on all purchases
  • Receive 14 complimentary lounge passes per year (10 for primary cardholder and 4 supplementary cardholder)
  • No foreign transaction fees
  • Have at least $12,000 in personal annual income
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