I live In Quebec. How do I know what special interest rates and fees might apply to me when I apply for a credit card?

Unfortunately, not all credit card companies make it obvious when there are different rules for applicants in Quebec. Sometimes a website may ask you to choose which province you reside in and then adjust the credit card information if you select Quebec as your place of residence. Otherwise, you may sadly have to read the fine print (often there will be a symbol or number beside some text, which signals that there is additional information you should read) to know what rules and fees do or do not apply to you.

What happens if I move away from Quebec to another province — is my credit card still valid?

While your credit card will still be valid outside of the province, it’s possible that your credit card issuer may update your terms of service once you tell them of your new address. It’s best to contact your credit card company to see if any elements of your credit card agreement (like fees or interest rates) will change if you leave the province.

Why do residents of Quebec have to make a larger minimum payment toward their credit card debt each month than the rest of Canada?

In an effort to ensure that citizens of Quebec keep spending under control and don’t experience financial fallout from credit card debt, Quebec is forcing credit card companies that operate in the province to require that already existing cardholders make a minimum payment of 2.5% of their balance owing. New credit card applicants will have to pay a 5% minimum balance immediately. By 2025, all cardholders in the province will have to pay at least 5% of their balance each month.

Can temporary residents in Quebec get a credit card?

Credit cards in Quebec are similar to cards from the rest of Canada in terms of eligibility. Temporary residents of Quebec that are at the age of majority of their province or territory, or 18. Additionally, applicants need to meet the credit score and income requirements of the card in question.

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Credit Cards

Best Credit Cards for Quebec Residents

By Sandra MacGregor

🗓️

Updated: November 27, 2024

Best credit cards for Quebec residents 2024

While we adhere to strict editorial guidelines, partners on this page may provide us earnings.

By Sandra MacGregor

🗓️

Updated: November 27, 2024

Partners on this page provide us earnings.

Did you know that credit card rules can vary depending on your location within Canada? This is particularly noticeable for residents of Quebec, who may experience different interest rates, welcome offers, and fees compared to credit card users in other provinces. In some instances, certain credit cards may not be accessible to those living in Quebec.

To ensure Canadians living in “la belle province” can pick the perfect plastic for their needs, we’ve compiled a list of some of the best credit cards for residents of Quebec. While there are other credit cards on the market for Quebecers, we think our picks are particularly outstanding — read on to find out why (and don't forget to check out our Best Credit Cards Canada list when you're done).

Why you can trust Money.ca's best credit cards in Quebec list

+

Money.ca rates all credit cards on a numeric scale of 1 to 5 stars, with 1 being the lowest and 5 the highest rating, respectively. Money.ca’s proprietary scoring formulas break down the confusing language, complex points, rewards and earn rates to give you the real data that caters to your needs first, not ours.

Our partnerships have no impact on our ratings, which are solely determined by the merits of each card. To learn more about how we researched and ranked these cards, read our full credit card review methodology.

Best credit cards for Quebecers compared

Card Name	Biggest Perk	Get started
Tangerine Money-Back Credit Card	Best for cash back ◦	Apply Now
*TD® Aeroplan® Visa Infinite Card**	Best for travel ◦ Earn up to $1,300 in value† including up to 40,000 Aeroplan points† and no Annual Fee for the first year†. Conditions Apply. Account must be approved by January 6, 2025.	Apply Now
Scotiabank Gold American Express® Card	Best for No foreign transaction fees ◦ 0% foreign trans. fees on overseas purchases ◦ Earn up to $950* in value in the first 12 months, including up to 45,000 bonus Scene+ points and first year annual fee waived.	Apply Now
*BMO CashBack® Mastercard® for Students**	Best for students ◦ Earn 3% (up to a monthly max of $500) cash back on groceries.	Apply Now
BMO Ascend™ World Elite®* Mastercard®*	Best for rewards ◦ 4 annual airport lounge passes*	Apply Now

^{†Terms and conditions apply.}

Best credit card for cash back in Quebec

Tangerine Money-Back Credit Card

3.8

3.8

Good

Suggested credit score

Apply Now

to receive the latest news, tips and offers by email

Apply now

Pros

No annual fee
Choose the spending categories where you want to earn the most cash back
Unlimited cash back—no maximum spending limit for any purchase category
Cash back is paid out monthly rather than annually
Periodically includes a special welcome offer where you can get extra cash back
1.95% interest on balance transfers for the first 6 months (1% transfer fee applies)*

Cons

Regular cash back rates are still lower than what you can get from a card with an annual fee
Limited extra perks or benefits beyond the cash back and balance transfer promotion
Generally not a good fit for shopping at warehouse clubs or wholesale grocers like Costco or Walmart
Tangerine does not have any physical bank branches

Eligibility

Good

Recommended Credit Score

$12,000

Required Annual Personal Income

Recommended Credit Score

Good

Required Annual Personal Income

$12,000

Earn 2% cash back on 2 categories of your choice (e.g. groceries, recurring bills, gas, drug stores, etc.)

Get a Tangerine Savings account and add a 3rd 2% cash back category.

0.5%

Earn 0.50% on all your other everyday purchases.

Earn 2% cash back on 2 categories of your choice (e.g. groceries, recurring bills, gas, drug stores, etc.)

Get a Tangerine Savings account and add a 3rd 2% cash back category.

Earn 0.50% on all your other everyday purchases.

0.5%

19.95% - 24.95%

Variable APR

1.95%

Balance Transfer Rate 19.95%

19.95%

Cash Advance APR $3.50 within Canada, $5.00 outside Canada

Annual Fee $0 for additional cardholders

2.5%

Foreign Transaction Fee

Variable APR

19.95% - 24.95%

Balance Transfer Rate

1.95%

Cash Advance APR

19.95%

Annual Fee

Foreign Transaction Fee

2.5%

Pros

No annual fee
Choose the spending categories where you want to earn the most cash back
Unlimited cash back—no maximum spending limit for any purchase category
Cash back is paid out monthly rather than annually
Periodically includes a special welcome offer where you can get extra cash back
1.95% interest on balance transfers for the first 6 months (1% transfer fee applies)*

Cons

Regular cash back rates are still lower than what you can get from a card with an annual fee
Limited extra perks or benefits beyond the cash back and balance transfer promotion
Generally not a good fit for shopping at warehouse clubs or wholesale grocers like Costco or Walmart
Tangerine does not have any physical bank branches

Eligibility

Good

Recommended Credit Score

$12,000

Required Annual Personal Income

Recommended Credit Score

Good

Required Annual Personal Income

$12,000

Earn 2% cash back on 2 categories of your choice (e.g. groceries, recurring bills, gas, drug stores, etc.)

Get a Tangerine Savings account and add a 3rd 2% cash back category.

0.5%

Earn 0.50% on all your other everyday purchases.

Earn 2% cash back on 2 categories of your choice (e.g. groceries, recurring bills, gas, drug stores, etc.)

Get a Tangerine Savings account and add a 3rd 2% cash back category.

Earn 0.50% on all your other everyday purchases.

0.5%

19.95% - 24.95%

Variable APR

1.95%

Balance Transfer Rate 19.95%

19.95%

Cash Advance APR $3.50 within Canada, $5.00 outside Canada

Annual Fee $0 for additional cardholders

2.5%

Foreign Transaction Fee

Variable APR

19.95% - 24.95%

Balance Transfer Rate

1.95%

Cash Advance APR

19.95%

Annual Fee

Foreign Transaction Fee

2.5%

Yes, that’s right! The top cash back credit card in Canada comes with $0 annual fee. The Tangerine Money-Back Credit Card consistently rewards you with 2% cash back on purchases within three categories of your preference, chosen from a selection of 10 categories. Additionally, you earn 0.5% cash back on all other purchases. Cash back rewards are issued monthly, and there's no cap on spending within any category, ensuring your earnings remain limitless. Moreover, the card provides purchase insurance and extended warranty coverage.

The Tangerine Money-Back Credit Card currently features some amazing welcome offers:

* .

*Terms and Conditions apply

Runner up for cash back: SimplyCash^® Preferred Card from American Express

SimplyCash® Preferred Card from American Express

4.6

up to 10% back

Welcome offer

Excellent

Suggested credit score

Apply Now

Earn a bonus 10% cash back on purchases in your first 3 months (up to $2,000 in purchases).

Apply now

Pros

Competitive cash back rates: Up to 4% on gas and groceries, and more
Refer-a-friend bonus up to $750 annually
Extra benefits like rental car insurance and travel accident coverage
Manufacturer's warranty doubled on purchases

Cons

$9.99/month fee ($119.88 annually)
Cash back redeemed annually in September
Not all benefits may be relevant to all users
Limited to American Express acceptance

Eligibility

Excellent

Recommended Credit Score

Excellent

cash back on eligible gas station purchases in Canada

cash back on eligible grocery store purchases in Canada (up to $1,200 cash back annually)

cash back on all other purchases

cash back on eligible gas station purchases in Canada

cash back on eligible grocery store purchases in Canada (up to $1,200 cash back annually)

cash back on all other purchases

21.99%

Purchase APR

21.99%

Cash Advance APR *

$119.88

Annual Fee $9.99 per month. Additional cards are free.

2.5%

Foreign Transaction Fee 2.5% of the transaction in CDN

Purchase APR

21.99%

Cash Advance APR

21.99%

Annual Fee

$119.88

Foreign Transaction Fee

2.5%

Pros

Competitive cash back rates: Up to 4% on gas and groceries, and more
Refer-a-friend bonus up to $750 annually
Extra benefits like rental car insurance and travel accident coverage
Manufacturer's warranty doubled on purchases

Cons

$9.99/month fee ($119.88 annually)
Cash back redeemed annually in September
Not all benefits may be relevant to all users
Limited to American Express acceptance

Eligibility

Excellent

Recommended Credit Score

Excellent

cash back on eligible gas station purchases in Canada

cash back on eligible grocery store purchases in Canada (up to $1,200 cash back annually)

cash back on all other purchases

cash back on eligible gas station purchases in Canada

cash back on eligible grocery store purchases in Canada (up to $1,200 cash back annually)

cash back on all other purchases

21.99%

Purchase APR

21.99%

Cash Advance APR *

$119.88

Annual Fee $9.99 per month. Additional cards are free.

2.5%

Foreign Transaction Fee 2.5% of the transaction in CDN

Purchase APR

21.99%

Cash Advance APR

21.99%

Annual Fee

$119.88

Foreign Transaction Fee

2.5%

The SimplyCash^® Preferred Card from American Express is a contender for best cash back card because of its super bonus offer:

Earn a bonus 10% cash back on purchases in your first 3 months (up to $2,000 in purchases). That’s on top of your everyday cash back earn rates.
Plus, earn a $50 statement credit* when you make a purchase in month 13.*
This could add up to $250 in bonus value in your first 13 months.
*Current or former Cardmembers with this Card are not eligible for this offer. Other terms apply.

And if you dig the Tangerine card’s 2% cash back offered in a few categories, it might be worth it to pay a fee of $119.88 annual fee ($9.99 per month. Additional cards are free.) for the SimplyCash^® Preferred Card from American Express, which gives you 4% cash back on eligible gas station purchases in Canada, 4% cash back on eligible grocery store purchases in Canada (up to $1,200 cash back) and 2% cash back on all other purchases. You’ll earn enough cash back to cover the annual fee and then some if you charge about $5,000 or more to the card each year, which is very realistic for the average Quebecer.

Best credit card for travel

TD® Aeroplan® Visa Infinite* Card

4.2

up to 40K pts

Welcome offer

Excellent

Suggested credit score

Apply Now

Earn up to $1,300 in value† including up to 40,000 Aeroplan points† and no Annual Fee for the first year†. Conditions Apply. Account must be approved by January 6, 2025.

Expires

Jan 6, 2025

Earn up to $1,300 in value† including up to 40,000 Aeroplan points† and no Annual Fee for the first year†. Conditions Apply. Account must be approved by January 6, 2025.

Expires

Jan 6, 2025

Apply now

Pros

The card has a high earn rate for Aeroplan Points, generating 1.5 points† per $1 spent on eligible purchases.
Insurance offered includes coverage in the categories that travellers need, and is generally better than its Aeroplan peers at a similar annual fee level.

Cons

No airport lounge membership or free lounge access.
Aeroplan points can’t be redeemed for flights outside the Star Alliance network, nor can they be redeemed for cash credit. This makes them less flexible than some competing travel rewards programs.

Eligibility

Excellent

Recommended Credit Score

$60,000

Required Annual Personal Income

$100,000

Required Annual Household Income

Recommended Credit Score

Excellent

Required Annual Personal Income

$60,000

Required Annual Household Income

$100,000

1.5 points†

for every $1 spent on eligible gas, grocery and direct through Air Canada® purchases (including Air Canada Vacations®)

1 point†

Earn 1 point for every $1 you spend on all other purchases

Earn points twice with Aeroplan partner brands and on the Aeroplan eStore.

50%

Earn 50% more Aeroplan points at Starbucks when you link your card to your account. Conditions apply.

NEXUS application fee rebate every 48 months†

1st

checked bag free for you and up to 8 travel companions†

for every $1 spent on eligible gas, grocery and direct through Air Canada® purchases (including Air Canada Vacations®)

1.5 points†

Earn 1 point for every $1 you spend on all other purchases

1 point†

Earn points twice with Aeroplan partner brands and on the Aeroplan eStore.

Earn 50% more Aeroplan points at Starbucks when you link your card to your account. Conditions apply.

50%

NEXUS application fee rebate every 48 months†

checked bag free for you and up to 8 travel companions†

1st

20.99%

Purchase APR APR for purchases 20.99%†

22.99%

Balance Transfer Rate APR for balance transfers 22.99%†

22.99%

Cash Advance APR APR for cash advances 22.99%†

$139

Annual Fee Additional cardholder is $75† ; Get an annual fee rebate for the first year†

2.5%

Foreign Transaction Fee Foreign transaction fee: 2.50%†

Purchase APR

20.99%

Balance Transfer Rate

22.99%

Cash Advance APR

22.99%

Annual Fee

$139

Foreign Transaction Fee

2.5%

Pros

The card has a high earn rate for Aeroplan Points, generating 1.5 points† per $1 spent on eligible purchases.
Insurance offered includes coverage in the categories that travellers need, and is generally better than its Aeroplan peers at a similar annual fee level.

Cons

No airport lounge membership or free lounge access.
Aeroplan points can’t be redeemed for flights outside the Star Alliance network, nor can they be redeemed for cash credit. This makes them less flexible than some competing travel rewards programs.

Eligibility

Excellent

Recommended Credit Score

$60,000

Required Annual Personal Income

$100,000

Required Annual Household Income

Recommended Credit Score

Excellent

Required Annual Personal Income

$60,000

Required Annual Household Income

$100,000

1.5 points†

for every $1 spent on eligible gas, grocery and direct through Air Canada® purchases (including Air Canada Vacations®)

1 point†

Earn 1 point for every $1 you spend on all other purchases

Earn points twice with Aeroplan partner brands and on the Aeroplan eStore.

50%

Earn 50% more Aeroplan points at Starbucks when you link your card to your account. Conditions apply.

NEXUS application fee rebate every 48 months†

1st

checked bag free for you and up to 8 travel companions†

for every $1 spent on eligible gas, grocery and direct through Air Canada® purchases (including Air Canada Vacations®)

1.5 points†

Earn 1 point for every $1 you spend on all other purchases

1 point†

Earn points twice with Aeroplan partner brands and on the Aeroplan eStore.

Earn 50% more Aeroplan points at Starbucks when you link your card to your account. Conditions apply.

50%

NEXUS application fee rebate every 48 months†

checked bag free for you and up to 8 travel companions†

1st

20.99%

Purchase APR APR for purchases 20.99%†

22.99%

Balance Transfer Rate APR for balance transfers 22.99%†

22.99%

Cash Advance APR APR for cash advances 22.99%†

$139

Annual Fee Additional cardholder is $75† ; Get an annual fee rebate for the first year†

2.5%

Foreign Transaction Fee Foreign transaction fee: 2.50%†

Purchase APR

20.99%

Balance Transfer Rate

22.99%

Cash Advance APR

22.99%

Annual Fee

$139

Foreign Transaction Fee

2.5%

The TD® Aeroplan^® Visa Infinite* Card is one of the most outstanding credit cards for frequent fliers because it makes it easy to earn Aeroplan points.

Best Offer yet for the TD^® Aeroplan^® Visa Infinite* Card. Earn up to $1,300 in value†, including up to 40,000 Aeroplan points†, no Annual Fee for the first year† and additional travel benefits. Account must be approved by January 6, 2025.:

Earn a welcome bonus of 10,000 Aeroplan points when you make your first purchase with your new card^†

Earn 40,000 Aeroplan points when you spend $5,000 within 180 days of account opening^†
Plus, earn an anniversary bonus of 20,000 Aeroplan points when you spend $7,500 within 12 months of Account opening^†
Enroll for NEXUS, and once every 48 months, get an application fee rebate†^†
Plus, share free first checked bags with up to eight travel companions^†.

The TD^® Aeroplan^® Visa Infinite* Card earns 1.5 Aeroplan points† on eligible gas, grocery and direct through Air Canada® purchases (including Air Canada Vacations®)† made with your card. You earn 1 Aeroplan point on all other purchases†. The card also comes with extensive travel insurance like hotel/motel burglary^†, Travel Medical Insurance^†, and rental car insurance^†. Extra perks include a NEXUS fee rebate^† and a free checked bag for cardholders and up to eight travel companions on the same reservation for Air Canada-originated flights^†.

Runner up for travel: Scotiabank Passport^® Visa Infinite* Card

Scotiabank Passport® Visa Infinite* Card

4.3

up to 35K pts

Welcome offer

Excellent

Suggested credit score

Apply Now

Earn up to $1,100* in value in the first 12 months, including up to 35,000 bonus Scene+ points

Expires

Jan 3, 2025

Earn up to $1,100* in value in the first 12 months, including up to 35,000 bonus Scene+ points

Expires

Jan 3, 2025

Apply now

Pros

No FX fees means the card saves you significant expenses on foreign transaction fees
Earn up to 3x Scene+ points per $1 spent on eligible purchases
Flexible and straightforward redemption program
Visa acceptance globally compared to American Express, especially outside major cities.
Enjoy six annual visits to airport lounges
Robust insurance offerings, including extended travel emergency medical coverage
Access to Visa Infinite Program benefits, with added advantages like a free supplementary card

Cons

High annual fee
Limited rewards categories for earning reward max rate on purchases
Primarily best for travel within Canada

Eligibility

Excellent

Recommended Credit Score

$60,000

Required Annual Personal Income

$100,000

Required Annual Household Income

Recommended Credit Score

Excellent

Required Annual Personal Income

$60,000

Required Annual Household Income

$100,000

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

Scene+ points¹ for every $1 you spend on other eligible grocery stores, dining, eligible entertainment purchases and eligible daily transit options (including ride shares, buses, subways, taxis and more)

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

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

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

20.99%

Purchase APR

22.99%

Balance Transfer Rate

22.99%

Cash Advance APR

$150

Annual Fee First supplementary Card is $0/year ($50/year on each additional Card)

Foreign Transaction Fee

Purchase APR

20.99%

Balance Transfer Rate

22.99%

Cash Advance APR

22.99%

Annual Fee

$150

Foreign Transaction Fee

Pros

No FX fees means the card saves you significant expenses on foreign transaction fees
Earn up to 3x Scene+ points per $1 spent on eligible purchases
Flexible and straightforward redemption program
Visa acceptance globally compared to American Express, especially outside major cities.
Enjoy six annual visits to airport lounges
Robust insurance offerings, including extended travel emergency medical coverage
Access to Visa Infinite Program benefits, with added advantages like a free supplementary card

Cons

High annual fee
Limited rewards categories for earning reward max rate on purchases
Primarily best for travel within Canada

Eligibility

Excellent

Recommended Credit Score

$60,000

Required Annual Personal Income

$100,000

Required Annual Household Income

Recommended Credit Score

Excellent

Required Annual Personal Income

$60,000

Required Annual Household Income

$100,000

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

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

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

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

20.99%

Purchase APR

22.99%

Balance Transfer Rate

22.99%

Cash Advance APR

$150

Annual Fee First supplementary Card is $0/year ($50/year on each additional Card)

Foreign Transaction Fee

Purchase APR

20.99%

Balance Transfer Rate

22.99%

Cash Advance APR

22.99%

Annual Fee

$150

Foreign Transaction Fee

The Scotiabank Passport^® Visa Infinite* Card has a very different set of benefits compared to the TD^® Aeroplan^® Visa Infinite* Card, starting first and foremost with its basic rewards system. The Scotiabank Passport^® Visa Infinite* earns Scene+ points, which may be less widely known than Aeroplan points, though they’re just as valuable.

The Scotiabank Passport™ Visa Infinite* Card is also distinct from the TD^® Aeroplan^® Visa Infinite* Card in that it offers 6 free annual airport lounge visits (the most of any credit card in Canada with an annual fee of under $200) and it’s one of the few Canadian credit cards that doesn’t charge foreign transaction fees. Finally, it has high earning potential, at 3X Scene+™ points on every $1 you spend at Sobeys, Safeway, IGA, Foodland and Participating Co-ops, and more eligible grocers. Earn 2 Scene+™ points on every $1 you spend on other eligible grocery stores, dining, entertainment purchases, and daily transit purchases (including buses, subways, taxis and more), and earn 1 Scene+™ point on every $1 you spend on all other eligible purchases. The annual fee is $150.

¹ Conditions Apply. Visit here for the Scotiabank Passport® Visa Infinite* Card to learn more.

*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.

Best credit card with no foreign transaction fees in Quebec

Scotiabank Gold American Express®

4.8

up to 45K pts

Welcome offer

Very Good

Suggested credit score

Apply Now

Earn up to $950* in value in the first 12 months, including up to 45,000 bonus Scene+ points and first year annual fee waived.

Expires

Jan 3, 2025

Earn up to $950* in value in the first 12 months, including up to 45,000 bonus Scene+ points and first year annual fee waived.

Expires

Jan 3, 2025

Apply now

Pros

Lots of daily spend options to earn multiplied point bonuses
Swanky Amex perks like Front of the Line presale concert tickets
Save on foreign transaction fees when abroad
Fantastic insurance coverage, especially for travel

Cons

Relatively low-value welcome bonus
$120 annual fee that chews into your point value substantially
Scene points redeem poorly for travel

Eligibility

Very Good

Recommended Credit Score

Very Good

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

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

Scene+ points¹ for every $1 you spend in Canada eligible entertainment purposes. Includes movies, theatre and ticket agencies stores.

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

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

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

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

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

Scene+ points¹ for every $1 you spend in Canada eligible entertainment purposes. Includes movies, theatre and ticket agencies stores.

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

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

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

20.99%

Purchase APR

22.99%

Balance Transfer Rate

22.99%

Cash Advance APR

$120

Annual Fee $29 for each supplementary card

Foreign Transaction Fee

Purchase APR

20.99%

Balance Transfer Rate

22.99%

Cash Advance APR

22.99%

Annual Fee

$120

Foreign Transaction Fee

Pros

Lots of daily spend options to earn multiplied point bonuses
Swanky Amex perks like Front of the Line presale concert tickets
Save on foreign transaction fees when abroad
Fantastic insurance coverage, especially for travel

Cons

Relatively low-value welcome bonus
$120 annual fee that chews into your point value substantially
Scene points redeem poorly for travel