Best Premium Credit Cards in Canada (2026)

Premium credit cards in Canada usually charge a higher annual fee in exchange for stronger earn rates, travel insurance, lounge access, or a larger welcome bonus. Typical names include Visa Infinite Privilege, World Elite, Reserve, and The Platinum Card. Weigh the fee against benefits you will actually use — a $150 card can be a better fit than a $599 card if you will not use the extras. The cards below currently show an annual fee of at least $120 in our data, excluding student products and basic cash-back cards that only meet the fee cut.