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Credit Cards for Excellent Credit
The following credit cards are for people with excellent credit. Compare credit card offers side by side and apply online for the card that is right for you. Apply for the excellent credit card of your choice by completing a secure online application online.
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| 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 |
| 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 |
| Marriott Rewards® Premier Visa® Card |
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- Earn 30,000 bonus points after your first purchase, equivalent to 4 Free Nights at a Category 1 hotel.
- Plus, a free night stay at any Category 1-4 hotel upon approval for first time Marriott Rewards Visa Cardmembers.
- Together, that's enough for up to 5 free nights at a Category 1 hotel (or 4 Free Nights at any Category 2 hotel).
- Earn 5 points per $1 spent at participating Marriott locations
- Earn 2 points for every $1 spent on airline tickets purchased directly with the airline and at car rental agencies and restaurants and 1 point per $1 spent on purchases anywhere else
- Earn a free night stay every year on your anniversary and 15 nights credit toward your Marriott Rewards Elite membership level just for having the Marriott Premier Visa Card
- Save on foreign transactions - The only hotel travel credit card in Canada with no foreign currency transaction charges. Only the exchange rate will be charged
- Card also includes: Auto Rental Collision Damage Waiver, Emergency Medical and Legal Assistance, Emergency Card and Cash Replacement, Zero Liability, No Charge for additional cards
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Typical APR
19.99% purchases | Balance Transfer
19.99% | Balance Transfer Fee
1.0% of the Balance Transfer amount | Annual Fee
$120 annual fee is waived for the first year | Credit Needed
Good |
| CIBC Aventura Infinite Visa™ Card |
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- 1.5 Aventura Points for every dollar you spend in card purchases at gas stations, grocery and drug stores2
- 1 Aventura Point for every dollar charged to the card at other locations3
- Choose from over 100 airlines with Aventura Airline Travel Rewards with no blackout periods, fees or restrictions4
- Redeem your Aventura Points for various travel options (choose from thousands of hotels, major car rental agencies, cruise lines and tour packages)
- Receive Out-of-Province Travel Medical Insurance5 for the first 15 days of a trip as the primary cardholder (age 64 or under)
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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 |
| American Express® AeroplanPlus®* Platinum Card |
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- Earn 25,000 Bonus Aeroplan®* Miles:
- Receive 20,000 bonus miles after your first use of the Card, plus 5,000 bonus miles after you spend $1,000 in your first 3 months of Card membership
- Earn 1.25 miles for every dollar in purchases you charge to the Card, up to 25,000
- Accelerate your earn rate to 1.5 miles for every dollar in purchases over $25,000 annually
- Enjoy a 2-for-1 short-haul flight reward when you redeem 15,000 Aeroplan Miles, with the Partner Ticket benefit
- 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
$499* | Credit Needed
Excellent |
| 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 |
| 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 |
| 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 |
| 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 |
| The Starwood Preferred Guest®* Credit Card from American Express |
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- Earn 10,000 bonus Starpoints® (enough for up to 3 free nights), after you charge $1,000 in purchases to your Card in your first three months of Cardmembership.
- Earn 1 Starpoint for every $1 in purchases charged to the Card
- Enjoy a Free Weekend Night Award when you reach $40,000 in purchases each year
- Experience Starwood Gold Preferred Guest status when you reach $30,000 in purchases each year
- Redeem Starpoints for Free Nights with no blackout dates at over 1,000 of the world's most desired hotels in nearly 100 countries
- 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.
- Annual interest rate 19.99% on purchases and 21.99% on funds advances
- Conditions apply
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Typical APR
19.99% purchases | Balance Transfer
N/A* | Balance Transfer Fee
N/A | Annual Fee
$120 | Credit Needed
Excellent |
| 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 |
| Choice Card from American ExpressTM |
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- Earn a Welcome Bonus of 1,500 Membership Rewards® points the first time you use the approved Card
- Earn 1 Point for every $1 in eligible Card purchases at your 5 places chosen from a list of select American Express merchants
- Earn 1 Point for every $2 in Card purchases everywhere else
- Choose your 5 places from a list of select American Express merchants, including stores, restaurants, hotels 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 |
| American Express® AeroplanPlus®* Card |
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- Earn 5,000 Bonus Aeroplan®* Miles after your first use of an approved Card
- Earn 1 Aeroplan Mile for every $1 in Card purchases
- Earn Aeroplan Miles twice at over 150 Aeroplan Partners
- Supplementary AeroplanPlus Cards are FREE for the first year, $20 each annually thereafter
- No annual fee for the first year. A value of $60
- 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
No annual fee for the first year. A value of $60* | 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 |
| BMO® Preferred Rate MasterCard®* |
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- Pay no annual fee
- Enjoy our lowest interest rate: 17.5% (with no annual fee)
- Get free extended warranty and purchase protection with your BMO MasterCard
- Enjoy free Zero Dollar Liability protection for both theft and fraudulent use of your credit card
- Reduce your credit card interest charges even further from 17.5% to 11.9% with our Low Interest Rate Option ($20/year)
- Free additional credit cards
- en Français
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Typical APR
17.90%* | Balance Transfer
17.90% | Balance Transfer Fee
$0 | Annual Fee
$0* | Credit Needed
Good |
| 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 |
| More Rewards MasterCard® Credit Card |
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- No annual fee
- Earn 3 points‡ for every $1 in qualifying purchases virtually everywhere you shop using your More Rewards MasterCard credit card
- Earn 4 pointsA for every $1 in qualifying net retail purchases at Save-On-Foods, Overwaitea Foods, Cooper's Foods,
- PriceSmart Foods or Urban Fare stores using your More Rewards credit card and More Rewards loyalty card together
- Redeem your points for travel, merchandise, gift cards, charitable donations and select in-store grocery merchandise
- 1.99% promotional annual interest rate† (AIR) on balance transfers* and deposits* for the first 6 full months,
- Free online access to your credit card account
- Free around-the-clock fraud protection
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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 |
| 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 |
| BMO® Rewards MasterCard®* |
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- Earn 1 BMO Rewards point for every $2 you spend on the card
- Redeem anytime with no blackout periods and points cover ALL flight charges, including taxes
- Points never expire as long as you have your account
- Travel with confidence with BMO Common Carrier insurance coverage
- en Français
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Typical APR
19.90%* | Balance Transfer
19.90%* | Balance Transfer Fee
$0 | Annual Fee
$35* | Credit Needed
Good |
| Fusion™ Platinum MasterCard® |
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- The low interest rate you need with rewards you want
- Get 5,000 bonus reward miles on your first purchase
- Earn 1 reward mile for every $2 - on everything you buy
- Guaranteed rate of 9.9% fixed on purchases and balance transfers (as long as you pay your bills on time)
- Annual interest rate for cash advances is 19.8%
- No annual fee
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Typical APR
9.9% | Balance Transfer
9.9% | Balance Transfer Fee
See Application | Annual Fee
$0* | Credit Needed
Excellent Credit |
| BMO® CashBack MasterCard®* |
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- An annual rebate to your credit card: $1 cash back for every $200 spent on your card
- Free extended warranty and purchase protection
- No annual fee, 19.9% interest rate
- en Français
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Typical APR
19.90%* | Balance Transfer
19.90%* | Balance Transfer Fee
N/A* | Annual Fee
$0* | Credit Needed
Good |
| Choice Privileges MasterCard® |
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- Until July 31, 2013 only, earn up to 24,000 points - enough for 3 FREE Nights1 at over 1,500 Choice Privileges locations across North America!
- The no annual fee Choice Privileges® MasterCard® credit card is an easy way to earn free hotel nights as you'll earn points every time you use it.
- Up to 24,000 points1 - enough for up to 3 FREE Nights at over 1,500 locations
- Up to 15 points for every $1 in eligible purchases at over 5,500 Choice Privileges locations in Canada, the U.S., Europe, the Middle East, Mexico, Central America, and more
- 2 points for every $1 spent on everyday eligible purchases‡
- 2,000 Bonus Points every year on your account anniversary‡
- Up to an additional 4,500 Bonus Points when you spend $30,000 in a calendar year‡ Plus, get automatically upgraded to Elite Gold status
- Gives you the ability to book free nights 50 days in advance instead of 30 days
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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 |
| 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 |
| BMO® CashBack World MasterCard®* |
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- An annual rebate to your credit card: $1.25 cash back for every $100 spent on your card
- Free roadside assistance, including battery boosts, flat-tire change, lock-out service and towing (a $69/year value)
- BMO World MasterCard Travel Protection: Includes coverage for car rental collision damage, plus flight delay and baggage insurance
- Free extended warranty and purchase protection
- en Français
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Typical APR
19.90%* | Balance Transfer
19.90%* | Balance Transfer Fee
$0 | Annual Fee
$79* | Credit Needed
Good |
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