This roundup of the best credit cards for a $60,000 income in Canada was last verified in August 2026. Income requirements and offers change periodically — confirm current details on the issuer’s official page before applying.
$60,000 a year turns out to be a meaningful line in the Canadian credit card market — it’s the exact minimum personal income several well-known travel and cashback cards ask for. Earn more than that and a wider set of premium cards opens up; earn a bit less and you’re generally limited to no-fee or lower-tier cards. Here’s what a $60,000 income actually qualifies you for.
Short answer: $60,000 personal income (or $100,000 household) is the exact minimum for several well-known travel and cash-back cards, including the RBC Avion Visa Infinite and TD Cash Back Visa Infinite. Cards like the BMO CashBack World Elite need $80,000 or $150,000 household, while the American Express Cobalt and Scotiabank Gold American Express have no minimum or a much lower one, so $60,000 is not a hard floor.Key points from this guide · last reviewed Sep 11, 2026
Cards That Open Up Right at $60,000 Income
| Card | Annual Fee | Highlight |
|---|---|---|
| RBC Avion Visa Infinite | $120 | Up to 70,000-point welcome offer |
| TD Cash Back Visa Infinite | $139 | 3% on groceries, gas, transit, bills, streaming |
| TD Aeroplan Visa Infinite | $139 (rebated yr 1) | Free first checked bag on Air Canada flights |
| Scotia Momentum® Visa Infinite +* Card | $120 (waived yr 1) | 4% on groceries and recurring bills |
| CIBC Dividend Visa Infinite | $120 (waivable) | 4% on groceries and gas (combined cap) |
Quick Tip: all five cards above list $60,000 as the exact personal-income cutoff, or $100,000 household — a couple filing together can often qualify even if neither partner clears $60,000 alone.
1. RBC Avion Visa Infinite
Currently the most talked-about welcome offer at this income tier — up to 70,000 Avion points (roughly $1,500 in travel value) for a $120 annual fee. It’s a flexible points card rather than a fixed loyalty program, which makes it a reasonable pick if you don’t fly one specific airline.
2. TD Cash Back Visa Infinite
Earns 3% cash back across five everyday categories — groceries, gas and EV charging, public transit, recurring bills, and streaming — each capped at $15,000/year in spending, with 1% on everything else. The $139 fee is the highest on this list, but the category breadth is also the widest.
3. TD Aeroplan Visa Infinite
The pick if you fly Air Canada with any regularity: 1.5x Aeroplan points on groceries, gas, and Air Canada purchases, plus a free first checked bag and NEXUS application fee rebate. The $139 fee is rebated in year one.
4. Scotia Momentum Visa Infinite
A straightforward cashback card: 4% on groceries and recurring bills, 2% on gas, EV charging, transit, rideshare, and food delivery (both capped at $25,000/year), 1% on everything else. The $120 fee is waived in year one.
5. CIBC Dividend Visa Infinite
Earns 4% on groceries and gas combined, up to a $20,000/year cap. The $120 fee can be waived entirely if you hold an eligible CIBC Smart Plus bank account — worth checking if you already bank with CIBC.
What’s Still Out of Reach at $60,000
A step above this tier, cards like the BMO CashBack World Elite Mastercard and BMO Ascend World Elite Mastercard raise the bar to $80,000 personal / $150,000 household income. If you’re just under that threshold, the five cards above represent the strongest tier genuinely open to you right now — and several (RBC Avion, TD Cash Back) hold their own against the $80,000-tier cards on value.
Don’t Overlook the No-Minimum Options
If $60,000 feels like a stretch, American Express Cobalt publishes no minimum income at all and earns 5x points on groceries and dining, while the Scotiabank Gold American Express® Card sets its bar at just $12,000/year with up to 6 points/$1 at major grocery chains — both are worth comparing before assuming you need $60,000 to get a strong rewards card.
Frequently Asked Questions
Is $60,000 gross or net income? Card issuers ask for gross (pre-tax) income, not your take-home pay, when you apply.
Can two people combine income to qualify? Some of these cards accept a household income figure (typically $100,000) as an alternative to the personal income minimum — check the specific card’s terms, since not all cards offer this option.
Does self-employment income count toward the requirement? Generally yes, but issuers may ask for supporting documentation (like a Notice of Assessment) to verify self-employment income, unlike salaried income which is easier to confirm.
Key Takeaways
- $60,000 personal income (or $100,000 household) is the exact minimum for several well-known travel and cashback cards, including RBC Avion Visa Infinite and TD Cash Back Visa Infinite.
- A step up, cards like BMO CashBack World Elite require $80,000/$150,000 — out of reach until your income grows further.
- American Express Cobalt and Scotiabank Gold American Express are strong options with no minimum or a much lower minimum, worth comparing before assuming $60,000 is a hard floor.
- Household income options can help couples qualify even if neither partner individually clears the personal income minimum.