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The definitive online resource for Canadian Credit Card Information.
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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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| Gold MasterCard® credit card - Fixed 9.99% AIR |
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- No Annual Fee
- 9.99% Annual Interest Rate on Purchases and Cash Advances
- Around-the-clock fraud protection
- Online access to your credit card account
- Unparalleled 24-hour Customer service
- Immediate cash access at 430,000 ATMs internationally
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Typical APR
9.99%* | Balance Transfer
N/A† | Balance Transfer Fee
1%* | Annual Fee
None* | Credit Needed
Good |
| Smart Cash MasterCard® credit card |
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- Get up to 5% cash back on qualifying net retail gas and grocery purchases for the first 6 months††
- Get up to 3% cash back on qualifying net retail gas and grocery purchases thereafte†
- Get up to 1% cash back for all other qualifying net retail purchases†
- 1.99% introductory annual interest rate† on balance transfers* and cheque cash advances for 10 months
- Feel secure with around-the-clock fraud protection
- Enjoy free online access to your credit card account
- No annual fee
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Typical APR
19.99%* | Balance Transfer
19.99%* | Balance Transfer Fee
1%* | Annual Fee
None* | Credit Needed
Good |
| Platinum Plus® MasterCard® credit card - 0% for 10 months |
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- 0% introductory annual interest rate† on balance transfers* and cheque cash advances for 10 months
- No Annual Fee
- 17.99% Annual Interest Rate on Purchases and 19.99% Annual Interest Rate on Cash Advances
- Around-the-clock fraud protection
- Online access to your credit card account
- Unparalleled 24-hour Customer service
- International acceptance at millions of locations
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Typical APR
17.99%* | Balance Transfer
0% for 10 months† | Balance Transfer Fee
1%* | Annual Fee
$0* | Credit Needed
Good |
| American Express® Gold Rewards Card |
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- Earn double points for every $1 in eligible travel purchases charged to the Card, including flights, hotels, car rentals, cruises, and more.
- Plus, earn double points for every $1 in eligible gas, grocery and drugstore purchases charged to the Card.
- You'll also earn one point for every $1 in Card purchases everywhere else.
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Typical APR
N/A* | Balance Transfer
N/A* | Balance Transfer Fee
N/A* | Annual Fee
No Annual Fee for the first year; $150 Annual Fee thereafter* | Credit Needed
Excellent Credit* |
| 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
N/A* | Balance Transfer Fee
N/A* | Annual Fee
$120.00* | Credit Needed
Excellent |
| BMO AIR MILES MasterCard®* |
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- No annual fee
- 1 AIR MILES reward mile for every $20 in card purchases
- 1.25x reward miles at Shell locations in Canada
- 1.5x reward miles at National Car Rental & Alamo Rent A Car locations worldwide
- Up to 25% rental discount at National Car Rental & Alamo Rent A Car locations worldwide
- 19.5% interest rate, 12.9% interest rate available for $45/year
- en Français
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Typical APR
19.50%* | Balance Transfer
N/A* | Balance Transfer Fee
N/A* | Annual Fee
$0* | Credit Needed
Good |
| No-Fee Scotiabank Value® VISA Card |
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- 1.99% 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
16.99%* | Balance Transfer
1.99% for 6 months* | Balance Transfer Fee
1%* (N/A on intro offers) | Annual Fee
$0* | Credit Needed
Good |
| Choice Privileges® MasterCard® Credit Card |
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- Up to 16,000 points - that's enough for two free nights at over 1,500 locations across North America
- Up to 15 points for every $1 in qualifying net retail purchases at over 5,000 Choice Privileges locations
- 2 points for every $1 qualifying net retail spent on everyday purchases
- Plus you get automatically upgraded to Elite Gold status — earning you more points for every eligible stay
- No annual fee
- Enhanced security and protection with Chip & PIN technology and PayPass
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Typical APR
16.99%* | Balance Transfer
1.99% for 6 months* | Balance Transfer Fee
1%* | Annual Fee
$0* | Credit Needed
Good |
| Aspire Cash™ Platinum MasterCard® |
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- Earn cash rewards and pay no annual fee!
- 1% cash rewards on all net purchases
- 20% extra cash rewards every year
- $50 bonus cash reward on your first purchase
- No limit to the amount of cash you can earn
- Add an authorized user for $0, and earn even more cash
- Valuable Platinum benefits including Purchase Assurance and Extended Warranty
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Typical APR
Prime + 16.8% | Balance Transfer
Prime + 16.8% | Balance Transfer Fee
N/A* | Annual Fee
$0* | Credit Needed
Good |
| Scotiabank Value® VISA Card |
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- 0.99% introductory interest rate on cash advances and balance transfers for the first nine 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 nine months* | Balance Transfer Fee
1%* (N/A on intro offers) | Annual Fee
$29* | Credit Needed
Good |
| 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
- 35,000 bonus reward miles with your first purchase
- 10,000 anniversary bonus reward miles every year
- Redeem for travel, cash, merchandise and gift cards
- World MasterCard benefits including Travel Emergency Medical Insurance and Trip Cancellation Insurance
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Typical APR
Prime + 16.8% | Balance Transfer
Prime + 16.8% | Balance Transfer Fee
N/A* | Annual Fee
$120* | Credit Needed
Good |
| BMO U.S. Dollar MasterCard®* |
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- Bypass the cost and uncertainty associated with fluctuating exchange rates
- Extended Warranty and Purchase Protection protects your purchases
- Zero dollar liability protects you from unauthorized use
- Get cash advances at over 1 million ATMs worldwide
- If you spend $1,000 USD or more in a year on your card, the annual fee for the subsequent year will be rebated
- 19.5% interest rate
- $25 USD annual fee
- en Français
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Typical APR
19.50%* | Balance Transfer
N/A* | Balance Transfer Fee
N/A* | Annual Fee
$25 USD/yr | Credit Needed
Good |
| MBNA PremierRewards® |
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- 1% back on all net retail purchases
- No Annual Fee
- 19.99% Annual Interest Rate on Purchases and 19.99% Annual Interest Rate on Cash Advances
- Around-the-clock fraud protection
- Online access to your credit card account
- Unparalleled 24-hour Customer service
- Immediate cash access at 430,000 ATMs internationally
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Typical APR
19.99%* | Balance Transfer
N/A† | Balance Transfer Fee
1%* | Annual Fee
None* | Credit Needed
Good |
| ScotiaGold Passport® VISA Card |
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- Kick-start your travel plans with 30,000 bonus points on your first purchase. That's worth $300 in travel rewards.
- Balance transfer fee does not apply to introductory offers.
- You'll also receive an introductory annual fee of $99 for the first year.
- Earn one Scotia Rewards 1 point for every $1 you spend
- Travel anywhere, at any time of the year with no restrictions
- Comprehensive travel insurance included with the card
- 5% cash back on travel purchased through Scotia Rewards - book online or by phone
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Typical APR
19.99%* | Balance Transfer
21.99* | Balance Transfer Fee
1%* (N/A on intro offers) | Annual Fee
$110* | Credit Needed
Good |
Typical APR
14.9%* | Balance Transfer
14.9%* | Balance Transfer Fee
N/A* | Annual Fee
$69* | Credit Needed
No Credit / Limited Credit History* |
| BMO SPC CashBack MasterCard®* |
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- 10-15% SPC Card discounts at hundreds of retailers and restaurants across Canada
- 0.5% CashBack on all card purchases. That's $1 back for every $200 you charge throughout the year
- 1.5% CashBack on all card purchases at Shell locations in Canada and at National Car Rental and Alamo Rent A Car locations worldwide
- 19.5% interest rate, 12.9% available for $45/year
- No annual fee
- en Français
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Typical APR
19.50%* | Balance Transfer
N/A* | Balance Transfer Fee
N/A* | Annual Fee
$0* | Credit Needed
Good |
| Aspire Cash™ World MasterCard® |
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- 1.5% cash rewards on all purchases
- 20% extra cash rewards every year
- $100 bonus cash reward on your first purchase
- No limit to the amount of cash you can earn
- Add an authorized user for $0, and earn even more cash
- Valuable World MasterCard benefits including Purchase Assurance and Extended Warranty
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Typical APR
Prime + 16.8% | Balance Transfer
Prime + 16.8% | Balance Transfer Fee
N/A* | Annual Fee
$120* | Credit Needed
Good |
| 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
N/A* | Balance Transfer Fee
N/A* | Annual Fee
No Annual Fee* | Credit Needed
Good |
| CIBC Select VisaTM Card |
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- $100,000 Common Carrier Accident Insurance2
- AVIS Car rental discounts of up to 20% at participating locations3
- Free personalized CIBC Convenience Cheques4
- Free additional cards - up to a maximum three cards per account
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Typical APR
11.99%* | Balance Transfer
N/A* | Balance Transfer Fee
N/A* | Annual Fee
$29.00* | Credit Needed
Good |
| CIBC Aero Classic VisaTM Card |
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- Receive 1 Aeroplan Mile for every two dollars you spend on the card1
- Receive up to double Aeroplan Miles when you use your CIBC Aero Classic Visa Card to dine, golf, or stay at any participating CIBC Bonus RewardsTM establishment3
- A guarantee from CIBC that you will not lose your Aeroplan Miles due to 12 months of account inactivity4
- Enjoy unsurpassed acceptance across Canada, and in over 24 million locations worldwide
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Typical APR
19.99%* | Balance Transfer
N/A* | Balance Transfer Fee
N/A* | Annual Fee
$29.00* | Credit Needed
Good |
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