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Best Canadian Credit Cards
Listed below are the best Canadian credit cards from leading banks and financial institutions. Compare the following best Canadian credit cards side by side to find the best credit card for you. Then apply online for your choice of credit card by completing a secure online application form.
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| Platinum Plus® MasterCard® credit card - 0 for 12 |
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- 0% annual interest rate† (AIR) on balance transfers* and deposits* for the first 12 full months
- Around-the-clock fraud protection
- Online access to your credit card account
- Unparalleled 24-hour customer service
- International acceptance at millions of locations
- No annual fee
- Enhanced security and protection with Chip & PIN technology and PayPass
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Typical APR
See Terms | Balance Transfer
See Terms | Balance Transfer Fee
1% of amount advanced (minimum fee $7.50) | Annual Fee
None | Credit Needed
Good |
| BMO® AIR MILES® MasterCard®* |
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- Earn fast: 1 AIR MILES reward mile for every $20 you spend on the card
- "Double dipping" Collect even more reward miles when you show your AIR MILES Collector Card and use your BMO MasterCard at AIR MILES Sponsors
- Free extended warranty and purchase protection
- No annual fee
- en Français
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Typical APR
19.90%* | Balance Transfer
19.90% | Balance Transfer Fee
$0 | Annual Fee
$0* | Credit Needed
Good |
| CIBC Aerogold® VisaTM Card |
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- Earn 1 Aeroplan Mile for every dollar you spend on the card3
- 1.5 Aeroplan Miles for every dollar you spend at gas, grocery and drugstores4
- Earn additional Aeroplan Miles when you use the card at participating Aeroplan Partners
- Enjoy access to every available seat on Air Canada and Air Canada Jazz, including Executive Class/Executive First®15
- A guarantee from CIBC that you will not lose your Aeroplan Miles due to 12 months inactivity 6
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Typical APR
19.99%* | Balance Transfer
21.99%* | Balance Transfer Fee
N/A* | Annual Fee
$120.00* | Credit Needed
Excellent |
| Smart Cash MasterCard® credit card |
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- Up to 5% cash back on all of your eligible gas and grocery purchases for the first 6 months‡
- Up to 2% cash back on eligible gas and grocery purchases thereafter‡
- And, up to 1% cash back on all of your other eligible purchases‡
- 1.99% annual interest rate† (AIR) on balance transfers* and deposits* for the first 10 full months
- Enjoy free online access to your credit card account
- And, with no annual fee and free additional cards you’ll start to see the benefits right away.
- Once your cash back totals at least $50 at the end of a monthly billing cycle, we’ll automatically mail you a cheque‡ - it’s that simple.
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Typical APR
See Terms | Balance Transfer
See Terms | Balance Transfer Fee
1% of amount advanced (minimum fee $7.50) | Annual Fee
None | Credit Needed
Good |
| SmartLine™ Platinum MasterCard® |
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- Enjoy a low, long-term rate of 5.99% on purchases and balance transfers, guaranteed for 3 years (as long as you pay your bills on time)
- After 3 years your rate will stay low and become a variable rate of Prime +6.99% on purchases and balance transfers
- Annual interest rate for cash advances is 19.8%
- No annual fee
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Typical APR
5.99% for 3 years | Balance Transfer
5.99% for 3 years | Balance Transfer Fee
See Application | Annual Fee
$0* | Credit Needed
Excellent Credit |
| Aspire Cash™ World MasterCard® |
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- Earn 50% extra cash rewards every year and pay no annual fee!
- Earn 1% cash rewards on all purchases
- No annual fee
- Annual interest rate of Prime +16.8%
- Please Note: A requirement of this card is a minimum personal income of $60,000 or household income of $100,000.
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Typical APR
Prime + 16.8% | Balance Transfer
Prime + 16.8% | Balance Transfer Fee
See Application | Annual Fee
$0* | Credit Needed
Excellent Credit |
| American Express® AeroplanPlus®* Gold Card |
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- Earn 20,000 Bonus Aeroplan®* Miles:
- Receive 15,000 Bonus Aeroplan®* Miles after your first use of the Card, plus earn 5,000 bonus miles after you spend $1,000 in your first 3 months of Card membership
- Earn 1 Aeroplan Mile for every $1 in Card purchases up to $10,000
- Accelerate your earn rate to 1.25 Aeroplan Miles for every additional $1 in Card purchases over $10,000 annually
- Earn Aeroplan Miles faster with two free Supplementary Cards - a $100 value ($50 for each additional Supplementary Card*)
- American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information click the Apply now link
- * As a Charge Card, the balance must always be paid in full each month. 30% annual interest rate applies to balances not paid in full.
- Conditions apply
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Typical APR
30%* | Balance Transfer
N/A* | Balance Transfer Fee
N/A* | Annual Fee
$120* | Credit Needed
Excellent |
| Aspire Travel™ World MasterCard® |
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- Earn more reward miles — on everything you buy!
- Earn 2 reward miles for every $1 — on all purchases
- Get 35,000 bonus reward miles with your first purchase
- Get 10,000 anniversary bonus reward miles every year
- Please Note: A requirement of this card is a minimum personal income of $60,000 or household income of $100,000.
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Typical APR
Prime + 16.8% | Balance Transfer
Prime + 16.8% | Balance Transfer Fee
See Application | Annual Fee
$120* | Credit Needed
Excellent Credit |
| Scotiabank Value® VISA Card |
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- 0.99% introductory interest rate on cash advances and balance transfers for the first six months. Balance transfer fee does not apply to introductory offers.
- Save hundreds of dollars a year
- Pay down balances faster
- Simplify your monthly payments
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Typical APR
11.99%* | Balance Transfer
0.99% for 6 months* | Balance Transfer Fee
1%* (N/A on intro offers) | Annual Fee
$29* | Credit Needed
Good |
| The Platinum Card® |
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- Earn 50,000 Bonus Membership Rewards® points by spending $1,000 in purchases in the first three months of Cardmembership
- Platinum members are automatically enrolled in the Membership Rewards FirstTM Tier and earn 1.25 points for every dollar in purchases charged to the Card
- The Platinum Card gives you access to over 1,000 airport lounges in 83 countries with partner lounges including Priority PassTM, the Canadian Platinum Lounge Benefit and many more
- You will also have access to elevated status with many Hotel & Car Rental loyalty programs and lodging benefits at a collection of over 700 Fine Hotels & Resorts around the world
- American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information click the Apply now link.
- * As a Charge Card, the balance must always be paid in full each month. 30% annual interest rate applies to balances not paid in full.
- Conditions apply
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Typical APR
30%* | Balance Transfer
N/A* | Balance Transfer Fee
N/A* | Annual Fee
$699 Annual Fee* | Credit Needed
Excellent |
| CIBC Dividend Card® |
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- $100,000 Common Carrier Accident Insurance2
- Purchase Security and Extended Protection* Insurance2
- AVIS car rental discounts up to 20% at participating locations3
- Personalized CIBC Convenience Cheques - provided at no additional charge4
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Typical APR
19.99%* | Balance Transfer
21.99%* | Balance Transfer Fee
N/A* | Annual Fee
No Annual Fee* | Credit Needed
Good |
| The American Express® AIR MILES®* Credit Card |
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- Earn a Welcome Bonus of 150 AIR MILES®* reward miles the first time you use the approved Card
- Earn 1 reward mile for every $15 in Card purchases at AIR MILES®* Sponsors
- Earn 1 reward mile for every $20 in purchases you charge to the Card everywhere else
- Shop at participating AIR MILES®* Sponsors across Canada with your American Express® AIR MILES®* Credit Card and your AIR MILES®* Collector Card, and you can earn reward miles twice
- More than 1000 rewards to choose from! Redeem for a wide range of rewards - everything from movie tickets to electronics, travel and more
- American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information click the Apply now link.
- Conditions apply
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Typical APR
19.99% purchases | Balance Transfer
N/A* | Balance Transfer Fee
N/A* | Annual Fee
No annual fee | Credit Needed
Excellent |
| The TrueEarnings® Card from Costco and American Express |
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- You can earn cash back when you use your TrueEarnings® Card inside and outside of Costco.
- Plus, there’s no limit to the amount of cash back you can earn annually.
- Earn 3% CASH BACK on eligible restaurant purchases
- Earn 2% CASH BACK on eligible gas purchases
- Earn UP TO 1% CASH BACK on everyday purchases - including at Costco®†
- Add a FREE Supplementary Card – that person just needs to be a current member on your Costco account
- American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information click the Apply now link.
- Conditions apply
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Typical APR
19.75% purchases | Balance Transfer
N/A* | Balance Transfer Fee
N/A | Annual Fee
No annual fee | Credit Needed
Excellent |
| The American Express® AIR MILES®* Platinum Credit Card |
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- Earn up to 1,000 Bonus AIR MILES® reward miles
- Earn 1 reward mile for every $10 in Card purchases at AIR MILES®* Sponsors
- Earn 1 reward mile for every $10 in Card purchases at other eligible stand-alone grocery stores, gas stations, and drugstores in Canada
- Earn 1 reward mile for every $15 in Card purchases everywhere else
- More than 1000 rewards to choose from! Redeem for a wide range of rewards - everything from movie tickets to electronics, travel and more
- American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information click the Apply now link.
- 2.99% special interest rate on purchases for the first 12 months of Cardmembership, 19.99% thereafter, 21.99% on funds advances, provided you make your minimum monthly payments on time
- Conditions apply
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Typical APR
19.99% purchases | Balance Transfer
N/A* | Balance Transfer Fee
N/A* | Annual Fee
$65 annual fee waived for the first year | Credit Needed
Excellent |
| ChoicePlus Card from American ExpressTM |
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- Earn a Welcome Bonus of 12,000 Membership Rewards® points the first time you use the approved Card. That's enough for a $100 Gift Card for dining, entertainment or home improvement!
- Earn 2 Points for every $1 in eligible Card purchases at your 5 places chosen from a list of select American Express merchants.
- That's double the points compared to your Card purchases everywhere else
- Earn 1 Point for every $1 in Card purchases everywhere else
- American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information click the Apply now link.
- Conditions apply
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Typical APR
19.99% purchases | Balance Transfer
N/A* | Balance Transfer Fee
N/A* | Annual Fee
$65 Annual Fee | Credit Needed
Excellent |
| mbna rewards MasterCard credit card |
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- Earn points on every qualifying purchase
- Earn 1 mbna rewards point for every $1 spent on eligible transactions‡
- Choose your rewards
- Redeem points for cash back, travel, brand-name merchandise, gift cards from top retailers and charitable donations
- Earn extra points
- 1,000 bonus points after your first eligible purchase††
- No annual fee
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Typical APR
See Terms | Balance Transfer
See Terms | Balance Transfer Fee
1% of amount advanced (minimum fee $7.50) | Annual Fee
None | Credit Needed
Good |
| CIBC Aerogold® VisaTM Card for Business |
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- Earn 1 Aeroplan Mile for every dollar charged to the card2
- 1.5 Aeroplan Miles for every dollar you spend at travel establishments (available on the first $80,000 in net annual Card purchases)3
- Access to every available seat4 on Air Canada and Air Canada ExpressTM2 including Executive Class®1/Executive First®1
- CIBC guarantees that Aerogold primary cardholders will not lose their Aeroplan Miles due to 12 months inactivity5
- Earn Bonus Aeroplan Miles when you use your card at participating CIBC Bonus Rewards establishments6
- Credit limit up to $50,0007
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Typical APR
As low as 12.99%* | Balance Transfer
As low as 14.50%* | Balance Transfer Fee
N/A* | Annual Fee
$180* | Credit Needed
Excellent |
| TrueLine MasterCard® credit card - Fixed 9.99% AIR |
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- 9.99% annual interest rate on eligible purchases
- No annual fee
- Exclusive Platinum benefits and peace of mind
- Add authorized users at no additional cost
- Around the clock fraud protection
- Enhanced security and protection with Chip & Pin technology
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Typical APR
See Terms | Balance Transfer
See Terms | Balance Transfer Fee
1% of amount advanced (minimum fee $7.50) | Annual Fee
None | Credit Needed
Good |
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