Best credit cards in Canada
Browse 105 cards with full reward rates, fees, welcome bonuses, and insurance — all in one place. Filter, sort, and compare to find the card that pays you the most.
105 cards
rewardsAmex
American Express Cobalt CardAmerican Express
5x Groceries & food delivery
Annual fee $1924.8
Rec. score 680+Moderate approval
travelAmex
American Express Platinum CardAmerican Express
2x Dining & food delivery
Annual fee $7994.7
Rec. score 760+Hard approval
travelAmex
American Express Aeroplan Reserve CardAmerican Express
3x Air Canada & Air Canada Vacations
Annual fee $5994.6
Rec. score 780+Hard approval
travelVisa
TD Aeroplan Visa Infinite CardTD
1.5x Air Canada & Air Canada Vacations (direct)
Annual fee $1394.5
Rec. score 725+Hard approval
cash-backVisa
CIBC Dividend Visa Infinite CardCIBC
4% Groceries
Annual fee $1204.5
Rec. score 725+Hard approval
cash-backVisa
Scotia Momentum Visa Infinite + CardScotiabank
4% Groceries
Annual fee $1204.5
Rec. score 725+Hard approval
travelAmex
Scotiabank Gold American Express CardScotiabank
6x Sobeys-family grocery stores
Annual fee $1204.5
Rec. score 680+Moderate approval
travelAmex
Business Platinum Card from American ExpressAmerican Express
1.25x All purchases
Annual fee $7994.4
Rec. score 760+Hard approval
travelVisa
CIBC Aeroplan Visa Infinite CardCIBC
1.5x Gas & EV charging
Annual fee $1394.4
Rec. score 725+Hard approval
travelVisa
RBC Avion Visa InfiniteRBC
1.25x Travel purchases
Annual fee $1204.4
Rec. score 725+Hard approval
travelVisa
Scotiabank Passport Visa Infinite + CardScotiabank
4x Scene+ Travel hotels & car rentals
Annual fee $1504.4
Rec. score 725+Hard approval
cash-backAmex
SimplyCash Preferred Card from American ExpressAmerican Express
4% Groceries
Annual fee $1204.4
Rec. score 680+Moderate approval
cash-backVisa
Wealthsimple Credit Card (Visa Infinite)Wealthsimple
2% All purchases
Annual fee $2404.4
Rec. score 725+Hard approval
travelAmex
American Express Gold Rewards CardAmerican Express
2x Travel (flights, hotels, car rentals, cruises)
Annual fee $2504.3
Rec. score 680+Moderate approval
travelAmex
Marriott Bonvoy American Express CardAmerican Express
5x Marriott Bonvoy hotels
Annual fee $1204.3
Rec. score 680+Moderate approval
travelVisa
TD First Class Travel Visa Infinite CardTD
8x Expedia For TD bookings
Annual fee $1394.3
Rec. score 725+Hard approval
cash-backMastercard
Tangerine Money-Back World MastercardTangerine
2% 2% category of your choice
Annual fee None4.3
Rec. score 640+Moderate approval
cash-backMastercard
Rogers Red World Elite MastercardRogers Bank
3% U.S. dollar purchases
Annual fee None4.3
Rec. score 725+Hard approval
travelAmex
American Express Aeroplan Business Reserve CardAmerican Express
3x Air Canada & Air Canada Vacations
Annual fee $5994.3
Rec. score 780+Hard approval
rewardsVisa
BMO eclipse Visa Infinite CardBMO
5x Groceries
Annual fee $1204.3
Rec. score 725+Hard approval
travelMastercard
National Bank World Elite MastercardNational Bank
5x Groceries
Annual fee $1504.2
Rec. score 725+Hard approval
travelAmex
Marriott Bonvoy Business American Express CardAmerican Express
5x Marriott Bonvoy hotels
Annual fee $1504.2
Rec. score 680+Moderate approval
travelVisa
CIBC Aeroplan Visa Infinite Privilege CardCIBC
2x Air Canada (incl. Air Canada Vacations)
Annual fee $5994.2
Rec. score 780+Hard approval
travelMastercard
WestJet RBC World Elite MastercardRBC
2x WestJet flights, WestJet Vacations & Sunwing Vacations
Annual fee $1394.2
Rec. score 725+Hard approval
cash-backMastercard
Tangerine Money-Back MastercardTangerine
2% 2% category of your choice
Annual fee None4.2
Rec. score 640+Moderate approval
cash-backMastercard
Neo World Elite MastercardNeo Financial
5% Groceries
Annual fee $1494.2
Rec. score 725+Hard approval
travelVisa
TD Aeroplan Visa Infinite Privilege CardTD
2x Air Canada & Air Canada Vacations (direct)
Annual fee $5994.2
Rec. score 780+Hard approval
travelVisa
Desjardins Odyssey Visa Infinite PrivilegeDesjardins
4x Restaurants
Annual fee $2954.2
Rec. score 780+Hard approval
cash-backVisa
TD Cash Back Visa Infinite CardTD
3% Groceries
Annual fee $1394.1
Rec. score 725+Hard approval
travelVisa
CIBC Aventura Visa Infinite CardCIBC
2x Travel via CIBC Rewards Centre (CIBC by Expedia)
Annual fee $1394.1
Rec. score 725+Hard approval
travelVisa
RBC Avion Visa Infinite PrivilegeRBC
1.25x All qualifying purchases
Annual fee $3994.1
Rec. score 780+Hard approval
travelMastercard
BMO Ascend World Elite MastercardBMO
5x Eligible travel purchases
Annual fee $1504.1
Rec. score 725+Hard approval
rewardsMastercard
MBNA Rewards World Elite MastercardMBNA
5x Groceries
Annual fee $1204.1
Rec. score 725+Hard approval
cash-backMastercard
Triangle World Elite MastercardCanadian Tire Bank
4% Canadian Tire, Sport Chek, Mark's, Party City & partner stores
Annual fee None4.1
Rec. score 725+Hard approval
cash-backMastercard
Desjardins Cash Back World Elite MastercardDesjardins
4% Groceries
Annual fee $1004.1
Rec. score 725+Hard approval
no-feeAmex
Scotiabank American Express CardScotiabank
3x Sobeys-family grocery stores
Annual fee None4.1
Rec. score 640+Moderate approval
travelVisa
Scotiabank Passport Visa Infinite Business CardScotiabank
1.5x All business purchases
Annual fee $1994.0
Rec. score 725+Hard approval
rewardsMastercard
PC World Elite MastercardPC Financial
45x Shoppers Drug Mart / Pharmaprix
Annual fee None4.0
Rec. score 725+Hard approval
travelMastercard
United MileagePlus Neo World Elite MastercardNeo Financial
1.25x United Airlines & Star Alliance flights
Annual fee $894.0
Rec. score 725+Hard approval
travelAmex
American Express Aeroplan CardAmerican Express
2x Air Canada & Air Canada Vacations
Annual fee $1204.0
Rec. score 680+Moderate approval
cash-backVisa
CIBC Dividend Platinum Visa CardCIBC
3% Groceries
Annual fee $994.0
Rec. score 680+Moderate approval
travelMastercard
BMO VIPorter World Elite MastercardBMO
3x Porter Airlines purchases
Annual fee $1994.0
Rec. score 725+Hard approval
travelVisa
CIBC Aventura Visa Infinite Privilege CardCIBC
3x Travel via CIBC Rewards Centre (CIBC by Expedia)
Annual fee $4994.0
Rec. score 780+Hard approval
cash-backMastercard
CIBC Costco MastercardCIBC
3% Restaurants
Annual fee None4.0
Rec. score 640+Moderate approval
travelMastercard
Desjardins Odyssey World Elite MastercardDesjardins
3x Groceries
Annual fee $1304.0
Rec. score 725+Hard approval
cash-backAmex
SimplyCash Card from American ExpressAmerican Express
2% Groceries
Annual fee None3.9
Rec. score 640+Moderate approval
travelVisa
RBC Avion Visa Infinite BusinessRBC
1.25x All business purchases
Annual fee $1753.9
Rec. score 725+Hard approval
travelMastercard
WestJet RBC World Elite Mastercard for BusinessRBC
6x WestJet flights
Annual fee $1753.9
Rec. score 725+Hard approval
travelAmex
Scotiabank Platinum American Express CardScotiabank
3x Scene+ Travel hotels & car rentals
Annual fee $3993.9
Rec. score 680+Moderate approval
cash-backVisa
Simplii Financial Cash Back Visa CardSimplii Financial
4% Restaurants, bars & coffee shops
Annual fee None3.9
Rec. score 640+Moderate approval
travelVisa
BMO eclipse Visa Infinite Privilege CardBMO
5x Groceries
Annual fee $5993.9
Rec. score 780+Hard approval
cash-backMastercard
BMO CashBack World Elite MastercardBMO
5% Groceries
Annual fee $1203.9
Rec. score 725+Hard approval
rewardsMastercard
BMO Blue Rewards World Elite MastercardBMO
10x Blue Rewards partners (incl. Blue Rewards Travel)
Annual fee $1503.9
Rec. score 725+Hard approval
cash-backVisa
Meridian Visa Infinite Cash Back CardMeridian
4% Groceries
Annual fee $993.9
Rec. score 725+Hard approval
travelVisa
Scotiabank Passport Visa Infinite Privilege CardScotiabank
3x Travel
Annual fee $5993.9
Rec. score 780+Hard approval
rewardsMastercard
BMO Ascend World Elite Business MastercardBMO
4x Gas & office supplies
Annual fee $1493.9
Rec. score 725+Hard approval
travelVisa
CIBC Aeroplan Visa Business CardCIBC
2x Air Canada (incl. Air Canada Vacations)
Annual fee $1803.9
Rec. score 680+Moderate approval
travelVisa
CIBC Aventura Gold Visa CardCIBC
2x Travel via CIBC Rewards Centre (CIBC by Expedia)
Annual fee $1393.9
Rec. score 680+Moderate approval
securedMastercard
Neo Secured MastercardNeo Financial
1% Groceries
Annual fee None3.9
Rec. score 300+Easy approval
rewardsAmex
American Express Business Gold Rewards CardAmerican Express
1x All purchases
Annual fee $1993.8
Rec. score 680+Moderate approval
cash-backMastercard
Neo World MastercardNeo Financial
2% Groceries
Annual fee None3.8
Rec. score 640+Moderate approval
low-interestVisa
CIBC Select Visa CardCIBC
0% All purchases
Annual fee $293.8
Rec. score 640+Moderate approval
no-fxVisa
Home Trust Preferred VisaHome Trust
1% All eligible purchases
Annual fee None3.8
Rec. score 640+Moderate approval
cash-backMastercard
BMO CashBack MastercardBMO
3% Groceries
Annual fee None3.8
Rec. score 640+Moderate approval
travelMastercard
Cathay World Elite Mastercard – Powered by NeoNeo Financial
2x Cathay Pacific flights
Annual fee $1803.7
Rec. score 725+Hard approval
studentVisa
CIBC Dividend Visa Card for StudentsCIBC
2% Groceries
Annual fee None3.7
Rec. score 600+Easy approval
travelVisa
RBC British Airways Visa InfiniteRBC
3x British Airways purchases
Annual fee $1653.7
Rec. score 725+Hard approval
no-feeMastercard
MBNA Rewards Platinum Plus MastercardMBNA
2x Groceries
Annual fee None3.7
Rec. score 640+Moderate approval
cash-backMastercard
Rogers Red MastercardRogers Bank
2% U.S. dollar purchases
Annual fee None3.7
Rec. score 640+Moderate approval
travelVisa
Desjardins Odyssey Gold VisaDesjardins
2x Restaurants
Annual fee $1103.7
Rec. score 680+Moderate approval
no-feeAmex
American Express Green CardAmerican Express
1x All purchases
Annual fee None3.6
Rec. score 640+Moderate approval
travelVisa
CIBC Aventura Visa Card for BusinessCIBC
2x Travel via CIBC Rewards Centre (CIBC by Expedia)
Annual fee $1203.6
Rec. score 680+Moderate approval
no-feeVisa
BMO eclipse rise Visa CardBMO
2.5x Recurring bill payments
Annual fee None3.6
Rec. score 640+Moderate approval
travelVisa
CIBC Aeroplan Visa CardCIBC
1x Gas & EV charging
Annual fee None3.6
Rec. score 640+Moderate approval
low-interestVisa
Scotiabank Value Visa CardScotiabank
0% All purchases
Annual fee $293.6
Rec. score 640+Moderate approval
cash-backMastercard
Desjardins Cash Back MastercardDesjardins
2% Restaurants
Annual fee None3.6
Rec. score 640+Moderate approval
studentVisa
CIBC Aventura Visa Card for StudentsCIBC
1x Gas & EV charging
Annual fee None3.5
Rec. score 600+Easy approval
travelMastercard
Air France KLM World Elite MastercardBrim Financial
5x Air France & KLM flights
Annual fee $1323.5
Rec. score 725+Hard approval
travelVisa
TD Platinum Travel Visa CardTD
6x Expedia For TD bookings
Annual fee $893.5
Rec. score 680+Moderate approval
travelVisa
RBC Avion Visa PlatinumRBC
1x Travel purchases
Annual fee $1203.5
Rec. score 680+Moderate approval
travelMastercard
BMO VIPorter MastercardBMO
2x Porter Airlines purchases
Annual fee $893.5
Rec. score 680+Moderate approval
balance-transferMastercard
MBNA True Line MastercardMBNA
0% All purchases
Annual fee None3.5
Rec. score 640+Moderate approval
cash-backVisa
CIBC Dividend Visa CardCIBC
2% Groceries
Annual fee None3.4
Rec. score 640+Moderate approval
rewardsMastercard
CIBC Adapta MastercardCIBC
2x Travel via CIBC by Expedia
Annual fee None3.4
Rec. score 640+Moderate approval
cash-backMastercard
BMO CashBack Business MastercardBMO
1.5% Gas stations
Annual fee None3.4
Rec. score 640+Moderate approval
no-feeMastercard
Brim MastercardBrim Financial
0.5x All purchases
Annual fee None3.4
Rec. score 640+Moderate approval
rewardsVisa
TD Rewards Visa CardTD
4x Expedia For TD bookings
Annual fee None3.4
Rec. score 640+Moderate approval
cash-backMastercard
RBC Cash Back MastercardRBC
2% Grocery store purchases
Annual fee None3.4
Rec. score 640+Moderate approval
low-interestMastercard
BMO Preferred Rate MastercardBMO
0% No rewards earned on purchases
Annual fee $293.4
Rec. score 640+Moderate approval
travelVisa
RBC Avion Visa BusinessRBC
1x All business purchases
Annual fee $1203.3
Rec. score 680+Moderate approval
travelMastercard
WestJet RBC MastercardRBC
1.5x WestJet flights, WestJet Vacations & Sunwing Vacations
Annual fee $393.3
Rec. score 680+Moderate approval
cash-backMastercard
RBC Cash Back Preferred World Elite MastercardRBC
1.5% All purchases
Annual fee $993.3
Rec. score 725+Hard approval
cash-backVisa
Scotia Momentum No-Fee Visa CardScotiabank
1% Groceries
Annual fee None3.3
Rec. score 640+Moderate approval
no-feeMastercard
BMO Blue Rewards MastercardBMO
5x Blue Rewards partners (incl. Blue Rewards Travel)
Annual fee None3.3
Rec. score 640+Moderate approval
rewardsMastercard
Brim World Elite MastercardBrim Financial
1x All purchases
Annual fee $893.3
Rec. score 725+Hard approval
travelVisa
CIBC Aventura Visa CardCIBC
1x Gas & EV charging
Annual fee None3.3
Rec. score 640+Moderate approval
rewardsVisa
Laurentian Bank Visa Infinite CardLaurentian Bank
2x Groceries
Annual fee $1303.3
Rec. score 725+Hard approval
no-feeVisa
Scotiabank Scene+ Visa CardScotiabank
2x Sobeys-family grocery stores
Annual fee None3.2
Rec. score 640+Moderate approval
securedVisa
Home Trust Secured VisaHome Trust
0% All purchases
Annual fee None3.2
Rec. score 300+Easy approval
travelVisa
TD Aeroplan Visa Platinum CardTD
1x Air Canada & Air Canada Vacations (direct)
Annual fee $893.2
Rec. score 680+Moderate approval
travelVisa
Meridian Visa Infinite Travel Rewards CardMeridian
3x Foreign currency purchases
Annual fee $993.2
Rec. score 725+Hard approval
rewardsMastercard
Brim World MastercardBrim Financial
1x All purchases
Annual fee $992.8
Rec. score 725+Hard approval
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