#1 — Futello top choice
Scotia Momentum Visa Infinite Card
- Net value
- About $448 / year
- Annual fee
- $120
- Rewards
- Cash back
- First year, offer included
- About $888
- Current offer · not enough history to compare
- Verified 17 days ago
Province
Best Credit Cards in Newfoundland and Labrador
Compare the best credit cards eligible in Newfoundland and Labrador, ranked for your spending type, spending level and American Express preference.
Of the 97 cards in the catalogue, 95 are confirmed eligible in Newfoundland and Labrador, 0 are excluded and 2 have no official confirmation: only eligible cards enter this ranking.
Interactive ranking
Customize your ranking
Each combination shows a pre-calculated Top 3 in Newfoundland and Labrador. The page address can be shared with your filters.
Certified ranking
Our Top 3 in Newfoundland and Labrador
For a complete spending basket · moderate spending · American Express included
Best estimated net valueAbout $448 / year
The ranking matches the selected spending type and level. Each card is an individual alternative eligible in Newfoundland and Labrador, not a card that must be held alongside the others.
Reference basket details — $24,000 a year
A reference scenario, not a personal situation: the annual spending breakdown evaluated for this ranking, identical in every province and territory.
- Groceries
- $5,600
- Everyday purchases
- $4,800
- Pre-authorized payments
- $4,000
- Gas / charging
- $2,400
- Restaurants
- $2,400
- Transportation
- $1,600
- Entertainment
- $1,600
- Hotels
- $800
- Travel
- $800
- Total evaluated
- $24,000
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#2 — Excellent alternative
CIBC Dividend Visa Infinite Card
- Net value
- About $440 / year
- Annual fee
- $120
- Rewards
- Cash back
- First year, offer included
- About $930
- Current offer · not enough history to compare
- Verified 17 days ago
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#3 — Another excellent option
RBC ION+ Visa
- Net value
- About $432 / year
- Annual fee
- $48
- Rewards
- RBC Avion
- Current offer · not enough history to compare
- Verification is old (33 days)
Geographic eligibility is verified in Newfoundland and Labrador; this is not a guarantee of bank approval.
These cards are individual alternatives; you do not need to hold all three.
Why a ranking specific to Newfoundland and Labrador?
Card eligibility and availability can vary from one province or territory to another. Futello evaluates every card for the selected jurisdiction and sets aside those without confirmed eligibility there.
The ranking shown is specific in Newfoundland and Labrador and to the selected filter combination: another spending type, another level or excluding American Express can produce a different Top 3.
How is this ranking established?
Futello compares each card separately using its published data, the selected spending type and level, and the jurisdiction. Eligibility is verified in Newfoundland and Labrador; when American Express is excluded, that constraint is applied before ranking. Annual fees are included in net value.
- 84 eligible cards were evaluated for this scenario.
- Results calculated on September 21, 2026. Official sources verified through September 21, 2026.
What is different in Newfoundland and Labrador
- Newfoundland and Labrador has a single Costco warehouse, in St. John’s; elsewhere in the province, check the “Groceries” and “Gas” rankings first.
Go further in Newfoundland and Labrador
Evergreen guides with no numbers that go stale, and the full Futello methodology.