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The definitive online resource for Canadian Credit Card Information.
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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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| 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 |
| No-Fee American Express® AIR MILES®* Credit Card |
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- Earn 1 reward mile for every $15 in Card purchases at AIR MILES®* Sponsors.
- Earn 1 reward mile for every $20 in Card purchases everywhere else.*
- As well, shop at participating AIR MILES®* Sponsors across Canada with your Card and your AIR MILES®* Collector Card, and you can earn reward miles from both.
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Typical APR
19.99%* | Balance Transfer
N/A* | Balance Transfer Fee
N/A* | Annual Fee
$0* | Credit Needed
Excellent |
| 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 |
| 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 |
| 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 |
| American Express® Air Miles® Platinum Credit Card |
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- Earn 1 reward mile for every $10 in Card purchses at AIR MILES®* Sponsors.
- Now - Earn 1 reward mile for every $10 in Card purchases at other eligible gas, grocery and drugstores.
- Earn 1 reward mile for every $15 in Card purchases everywhere else.
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Typical APR
19.99%* | Balance Transfer
N/A* | Balance Transfer Fee
N/A* | Annual Fee
First Year Free; $65 Annual Fee thereafter* | Credit Needed
Excellent |
| 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 |
| BMO Gold AIR MILES MasterCard®* |
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- 1 AIR MILES reward mile for every $15 in card purchases
- Exclusive 25% discount on the number of reward miles required for all AIR MILES flights worldwide
- 1.25x reward miles at Shell locations in Canada
- BMO Travel Protection including Collision Damage Waiver coverage for car rentals. Save $29/yr
- 19.5% interest rate, 12.9% available for $45/year
- Worldwide acceptance at over 30 million locations
- en Français
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Typical APR
19.50%* | Balance Transfer
N/A* | Balance Transfer Fee
N/A* | Annual Fee
$99* | Credit Needed
Good |
| SmartLineTM Platinum MasterCard |
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- No Annual Fee, Annual interest rate for cash advances is 19.8%
- Enjoy our lowest long-term rate of 5.99% on purchases and balance transfers guaranteed for 3 years (as long you pay your bills on time)
- After 3 years your rate will stay low and become a variable rate of Prime +4.99% on purchases and balance transfers
- Save money when you transfer high-interest debt with our no-fee balance transfer service
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Typical APR
5.99% for 3 years* | Balance Transfer
5.99% for 3 years* | Balance Transfer Fee
N/A* | Annual Fee
$0* | Credit Needed
Excellent |
| 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* |
| 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 |
| Fusion™ Platinum MasterCard® |
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- The low interest rate you need with rewards you want
- 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
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Typical APR
9.9%* | Balance Transfer
9.9%* | Balance Transfer Fee
N/A* | Annual Fee
$0* | Credit Needed
Excellent |
| Scotia Momentum® VISA Infinite 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.
- A full 4% cash back on all eligible gas station and grocery store purchases
- A full 2% cash back on eligible drug store purchases and recurring bill payments
- A full 1% cash back on all other eligible purchases
- Plus many exclusive VISA Infinite benefits and privileges.
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Typical APR
19.99%* | Balance Transfer
21.99%* | Balance Transfer Fee
1%* (N/A on intro offers) | Annual Fee
$99* | Credit Needed
Excellent |
| 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
N/A* | Balance Transfer Fee
N/A* | Annual Fee
$120.00* | Credit Needed
Excellent |
| CAA Quebec MasterCard® credit card |
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- Even more, this 2% is added to the .5% rebate you earn each time you use your CAA-Quebec MasterCard credit card
- No Annual Fee
- Low 3.99% introductory interest rate† for 6 months on Cheque Cash Advances and Balance Transfers*
- Online access to your credit card account
- Unparalleled 24-hour customer service
- International acceptance at millions of locations
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Typical APR
14.99%* | Balance Transfer
16.99%* | Balance Transfer Fee
N/A* | Annual Fee
None* | Credit Needed
Good |
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