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Credit Cards for Good Credit

The following credit cards are for people with good credit. Compare credit card offers side by side and apply online for the card that is right for you. Apply for the good credit credit card of your choice by completing a secure online application online.

Gold MasterCard® credit card - Fixed 9.99% AIR

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

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

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

Typical APR
17.99%*

Balance Transfer
0% for 10 months†

Balance Transfer Fee
1%*

Annual Fee
$0*

Credit Needed
Good

BMO AIR MILES MasterCard®*

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

Typical APR
19.50%*

Balance Transfer
N/A*

Balance Transfer Fee
N/A*

Annual Fee
$0*

Credit Needed
Good

Scotia Momentum® VISA Card

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 2% cash back on all eligible grocery store, gas station, drug store purchases and recurring bill payments
A full 1% cash back on all other eligible purchases
Purchase security and extended warranty protection

Typical APR
19.99%*

Balance Transfer
21.99*

Balance Transfer Fee
1%* (N/A on intro offers)

Annual Fee
$39*

Credit Needed
Good

Smart Cash MasterCard® credit card

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

Typical APR
19.99%*

Balance Transfer
19.99%*

Balance Transfer Fee
1%*

Annual Fee
None*

Credit Needed
Good

Choice Privileges® MasterCard® Credit Card

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

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®*

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

Typical APR
19.50%*

Balance Transfer
N/A*

Balance Transfer Fee
N/A*

Annual Fee
$99*

Credit Needed
Good

Aspire Cash™ Platinum MasterCard®

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

Typical APR
Prime + 16.8%

Balance Transfer
Prime + 16.8%

Balance Transfer Fee
N/A*

Annual Fee
$0*

Credit Needed
Good

Delta SkyMiles® World MasterCard®

Earn Delta miles on everything you buy
Get 25,000 bonus Delta miles with first purchase
Earn 2 Delta miles for every $1 you spend on Delta purchases
Earn 1 Delta mile per $1 for all other net purchases
Earn 2,500 bonus Delta miles on your account anniversary, every year.
Get 2,500 bonus Delta miles by adding an authorized user
Valuable World MasterCard Benefits

Typical APR
19.8%*

Balance Transfer
19.8%*

Balance Transfer Fee
N/A*

Annual Fee
$120*

Credit Needed
Good

Scotiabank Value® VISA Card

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

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 Platinum MasterCard®

Earn reward miles — with no annual fee!
No Annual Fee
Earn 1 reward mile for every $1 spent — on all purchases
5,000 bonus reward miles with your first purchase
1,000 anniversary bonus reward miles every year
Redeem for travel, cash, merchandise or gift cards

Typical APR
Prime + 16.8%

Balance Transfer
Prime + 16.8%

Balance Transfer Fee
N/A*

Annual Fee
$0*

Credit Needed
Good

BMO Preferred Rate MasterCard®*

No annual fee
17.5% interest rate, 11.9% available for $20/year
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
en Français

Typical APR
17.50%*

Balance Transfer
N/A*

Balance Transfer Fee
N/A*

Annual Fee
$0*

Credit Needed
Good

BMO SPC AIR MILES MasterCard®*

10-15% SPC Card discounts at hundreds of retailers and restaurants across Canada
1 AIR MILES reward mile for every $20 in card purchases
1.25x reward miles at Shell locations across Canada
1.5x reward miles 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

Typical APR
19.50%*

Balance Transfer
N/A*

Balance Transfer Fee
N/A*

Annual Fee
$0*

Credit Needed
Good

Scotia Momentum® No-Fee VISA Card

Cash back and no annual fee
7.99% introductory interest rate on purchases for the first six months
1% cash back on all eligible gas station, grocery store, drug store purchases and recurring bill payments and 0.5% on all other eligible purchases

Typical APR
19.99%*

Balance Transfer
21.99%*

Balance Transfer Fee
1%* (N/A on intro offers)

Annual Fee
$0*

Credit Needed
Good

BMO U.S. Dollar MasterCard®*

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

Typical APR
19.50%*

Balance Transfer
N/A*

Balance Transfer Fee
N/A*

Annual Fee
$25 USD/yr

Credit Needed
Good

MBNA PremierRewards®

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

Typical APR
19.99%*

Balance Transfer
N/A†

Balance Transfer Fee
1%*

Annual Fee
None*

Credit Needed
Good

Delta SkyMiles® Gold MasterCard®

Earn Delta Miles on everything you buy
2,500 bonus Delta miles with first purchase
1 Delta miles for every $1 you spend on Delta purchases
1 Delta mile per $2 for all other net purchases
Gold benefits including Purchase Assurance

Typical APR
19.8%*

Balance Transfer
19.8%*

Balance Transfer Fee
N/A*

Annual Fee
$0*

Credit Needed
Good

ScotiaGold Passport® VISA Card

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

Typical APR
19.99%*

Balance Transfer
21.99*

Balance Transfer Fee
1%* (N/A on intro offers)

Annual Fee
$110*

Credit Needed
Good

BMO SPC CashBack MasterCard®*

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

Typical APR
19.50%*

Balance Transfer
N/A*

Balance Transfer Fee
N/A*

Annual Fee
$0*

Credit Needed
Good

Aspire Cash™ World MasterCard®

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

Typical APR
Prime + 16.8%

Balance Transfer
Prime + 16.8%

Balance Transfer Fee
N/A*

Annual Fee
$120*

Credit Needed
Good

CIBC Dividend Card®

$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

Typical APR
19.99%*

Balance Transfer
N/A*

Balance Transfer Fee
N/A*

Annual Fee
No Annual Fee*

Credit Needed
Good

Gold MasterCard®: 11.9%

Enjoy the certainty of a low long-term rate of 11.9% on purchases and balance transfers guaranteed for 3 years (as long you pay your bills on time)
After that your rate will stay low and become a variable rate of Prime +9.9% on purchases and balance transfers
Annual interest rate for cash advances is 19.8%
Save money when you transfer high-interest debt with our no-fee balance transfer service

Typical APR
11.9% for 3 years*

Balance Transfer
11.9% for 3 years*

Balance Transfer Fee
N/A*

Annual Fee
$19*

Credit Needed
Good

CIBC Select Visa^TM Card

$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

Typical APR
11.99%*

Balance Transfer
N/A*

Balance Transfer Fee
N/A*

Annual Fee
$29.00*

Credit Needed
Good

CIBC Aero Classic Visa^TM Card

CIBC Aero Classic Visa<sup>TM</sup> Card

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 Rewards^TM 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

Typical APR
19.99%*

Balance Transfer
N/A*

Balance Transfer Fee
N/A*

Annual Fee
$29.00*

Credit Needed
Good

CIBC Platinum Visa^TM Card

Visa Auto Rental Collision/Loss Damage Insurance Benefits¹
$500,000 Common Carrier Accident Insurance Benefits¹
Purchase Security and Extended Protection^TM Insurance Benefits¹
AVIS car rental discounts up to 20% at participating locations²
Free personalized CIBC CreditSmart Convenience Cheques³

Typical APR
19.99%*

Balance Transfer
N/A*

Balance Transfer Fee
N/A*

Annual Fee
No Annual Fee*

Credit Needed
Good

BMO CashBack MasterCard®*

No annual fee
0.5% CashBack on every card purchase
1.5% CashBack at Shell locations in Canada
1.5% CashBack 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% available for $45/year
en Français

Typical APR
19.50%*

Balance Transfer
N/A*

Balance Transfer Fee
N/A*

Annual Fee
$0*

Credit Needed
Good

BMO Premium CashBack MasterCard®*

1% CashBack on every card purchase
3% CashBack at Shell locations in Canada
3% CashBack at National Car Rental & Alamo Rent A Car locations worldwide
Free BMO Roadside Assistance (over $50 value) - includes fuel delivery, battery boost, lockout service, towing and more
19.5% interest rate, 12.9% available for $45/year
$49 annual fee
en Français

Typical APR
19.50%*

Balance Transfer
N/A*

Balance Transfer Fee
N/A*

Annual Fee
$49*

Credit Needed
Good

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Credit Cards for Good Credit