/CANADA

The TD Aeroplan Visa Infinite Privilege offers up to 100k points, but requires $24k spend over 12 months and two years of $599 annual fees to unlock the full bonus. At 2 cents per point, that's $2,000 value minus $1,198 in fees, yielding $802 net on $24k spend - about 3.3% back. Meanwhile, the TD Aeroplan Visa Infinite offers up to 50k points with a first-year fee rebate, $12k spend, and only $139 in year-two fees. That yields $861 net on $12k spend, or 7.2% back - more than double the yield of the premium card. The Infinite Privilege's lounge access and status credits have value, but for pure welcome bonus return, the lower-tier card wins.

RBC and WestJet have released the highest ever bonus on a WestJet Rewards credit card, up to 100,000 points on the World Elite Mastercard for Business. The structure: 45,000 points on first purchase, 20,000 more after $5,000 spend in 3 months, and another 25,000 after $15,000 in 6 months, plus a one-time 10,000-point anniversary bonus. That's a total of 100,000 points if you hit all tiers, but the real yield depends on your near-term business spend. The $15,000 threshold is steep, so calculate your monthly outflows before applying.

The flat bonus is the story: each eligible card now carries one spend hurdle, and the premium cards pay 30,000 points for just $3,000 on an added card. On the Aeroplan Reserve, a $199 additional card returns 30,000 Aeroplan points, worth about $600 at a 2cpp valuation, plus a free checked bag and Maple Leaf Lounge access. The Platinum version is the same math: $250 for 30,000 Membership Rewards, convertible 1:1 to Aeroplan, with lounge access for the cardholder. Max two added cards per account, so two Platinum or Reserve additions get you 60,000 points for $500 or $398 in fees. The no-fee Cobalt and Marriott Bonvoy cards are the easy 7,500-point wins if your cardholders can hit the $2,000 spend.