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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.

 
     

 

The Starwood Preferred Guest®* Credit Card from American Express
The Starwood Preferred Guest®* Credit Card from American Express

The Starwood Preferred Guest®* Credit Card from American Express
  • 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
Typical APR
19.99% purchases
Balance Transfer
N/A*
Balance Transfer Fee
N/A
Annual Fee
$120
Credit Needed
Excellent

ChoicePlus Card from American ExpressTM
ChoicePlus Card from American Express<sup>TM</sup>

ChoicePlus Card from American Express<sup>TM</sup>
  • 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
Typical APR
19.99% purchases
Balance Transfer
N/A*
Balance Transfer Fee
N/A*
Annual Fee
$65 Annual Fee
Credit Needed
Excellent

Platinum Plus® MasterCard® credit card - 0 for 12
Platinum Plus® MasterCard® credit card - 0 for 12

Platinum Plus® MasterCard® credit card - 0 for 12
  • 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
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
TrueLine MasterCard® credit card - Fixed 9.99% AIR

TrueLine MasterCard® credit card - Fixed 9.99% AIR
  • 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
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

Smart Cash MasterCard® credit card
Smart Cash MasterCard® credit card

Smart Cash MasterCard® credit card
  • 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.
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
Marriott Rewards® Premier Visa® Card

Marriott Rewards® Premier Visa® Card
  • 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
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

BMO® AIR MILES® MasterCard®*
BMO® AIR MILES® MasterCard®*

BMO® AIR MILES® MasterCard®*
  • Earn 500 Bonus reward miles when you spend $200 or more in purchases by October 31, 2013.* Apply by August 31, 2013.
  • 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
Typical APR
19.90%*
Balance Transfer
19.90%
Balance Transfer Fee
$0
Annual Fee
$0*
Credit Needed
Good

American Express® Gold Rewards Card
American Express® Gold Rewards Card

American Express® Gold Rewards Card
  • Earn a Welcome Bonus of 15,000 Membership Rewards® points when you charge $500 in purchases to your Card in your first 3 months of Cardmembership
  • Earn double points on eligible travel and everyday purchases
  • Transfer your points to frequent flyer programs, or 1:1 to Aeroplan®* and Avios
  • 1 Free Supplementary Gold Rewards Card (a $50 value*) to help you earn points faster
  • 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
Typical APR
30%*
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

CIBC Select VisaTM Card
CIBC Select Visa<sup>TM</sup> Card

CIBC Select Visa<sup>TM</sup> 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
11.99%*
Balance Transfer Fee
N/A*
Annual Fee
$29.00*
Credit Needed
Good

CIBC Dividend Card®
CIBC Dividend Card®

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
21.99%*
Balance Transfer Fee
N/A*
Annual Fee
No Annual Fee*
Credit Needed
Good

The American Express® AIR MILES®* Platinum Credit Card
The American Express® AIR MILES®* Platinum Credit Card

The American Express® AIR MILES®* Platinum Credit Card
  • 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
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

Scotia Momentum® No-Fee VISA Card
Scotia Momentum® No-Fee VISA Card

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

Choice Privileges MasterCard®
Choice Privileges MasterCard®

Choice Privileges MasterCard®
  • 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
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

Aspire Cash™ Platinum MasterCard®
Aspire Cash™ Platinum MasterCard®

Aspire Cash™ Platinum MasterCard®
  • Earn cash rewards and pay no annual fee!
  • Earn 1% cash rewards on all net purchases
  • Get 25% extra cash rewards every year
  • No limit to the amount of cash you can earn
  • Annual interest rate of Prime +16.8%
Typical APR
Prime + 16.8%
Balance Transfer
Prime + 16.8%
Balance Transfer Fee
See Application
Annual Fee
$0*
Credit Needed
Average Credit

BMO® Preferred Rate MasterCard®*
BMO®  Preferred Rate MasterCard®*

BMO®  Preferred Rate MasterCard®*
  • 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
Typical APR
17.90%*
Balance Transfer
17.90%
Balance Transfer Fee
$0
Annual Fee
$0*
Credit Needed
Good

BMO® SPC CashBack MasterCard®*
BMO® SPC CashBack MasterCard®*

BMO® SPC CashBack MasterCard®*
  • CashBack: An annual rebate to your credit card: $1 cash back for every $200 spent on your card
  • No Annual Fee
  • SPC (Student Price Card Ltd.) discounts of 10% to 15% at hundreds of your favourite stores
  • Earn 1.5% CashBack at Shell locations in Canada
  • Earn 1.5% CashBack and get up to 25% off rentals at National Car Rental®†† & Alamo Rent A Car®** locations worldwide
  • en Français
Typical APR
19.90%*
Balance Transfer
19.90%*
Balance Transfer Fee
$0
Annual Fee
$0*
Credit Needed
Good

Aspire Travel™ Platinum MasterCard®
Aspire Travel™ Platinum MasterCard®

Aspire Travel™ Platinum MasterCard®
  • Earn reward miles — with no annual fee!
  • Earn 1 reward mile for every $1 spent - on all purchases
  • Get 5,000 bonus reward miles with your first purchase
  • Get 25% extra reward miles every year
  • Annual interest rate of Prime +16.8%
Typical APR
Prime + 16.8%
Balance Transfer
Prime + 16.8%
Balance Transfer Fee
See Application
Annual Fee
$0*
Credit Needed
Average Credit

American Express® AeroplanPlus®* Gold Card
American Express® AeroplanPlus®* Gold Card

American Express® AeroplanPlus®* Gold Card
  • 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
Typical APR
30%*
Balance Transfer
N/A*
Balance Transfer Fee
N/A*
Annual Fee
$120*
Credit Needed
Excellent

BMO® Rewards MasterCard®*
BMO® Rewards MasterCard®*

BMO® Rewards MasterCard®*
  • 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
Typical APR
19.90%*
Balance Transfer
19.90%*
Balance Transfer Fee
$0
Annual Fee
$35*
Credit Needed
Good

Scotiabank Value® VISA Card
Scotiabank Value® VISA Card

Scotiabank Value® VISA Card
  • 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
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

Gold MasterCard® with a 11.9% Interest Rate
Gold MasterCard® with a 11.9% Interest Rate

Gold MasterCard® with a 11.9% Interest Rate
  • Enjoy the certainty of a low, long-term rate of 11.9% on purchases and balance transfers, guaranteed for 3 years (as long as 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 the no-fee balance transfer service
  • $19 annual fee
Typical APR
11.9% for 3 years*
Balance Transfer
11.9% for 3 years*
Balance Transfer Fee
See Application
Annual Fee
$19*
Credit Needed
Average Credit

The TrueEarnings® Card from Costco and American Express
The TrueEarnings® Card from Costco and American Express

The TrueEarnings® Card from Costco and American Express
  • You can earn a $10 Statement Credit with the TrueEarnings Card. Apply by June 23 2013.
  • 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 and 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
  • Show your TrueEarnings Card for entry into any Costco warehouse and use it to pay for your purchases
  • 2.99% special low interest rate on purchases for first 6 months of Cardmembership, 19.75% thereafter, 21.99% on funds advances, provided you make your minimum monthly payments on time
  • 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.
Typical APR
19.75% purchases
Balance Transfer
N/A*
Balance Transfer Fee
N/A
Annual Fee
No annual fee
Credit Needed
Excellent

ScotiaHockey™ NHL® VISA card
ScotiaHockey™ NHL® VISA card

ScotiaHockey™ NHL® VISA card
  • Choose your favourite team card
  • 3,000 bonus ScotiaHockey Rewards points
  • Earn one ScotiaHockey Rewards point for every dollar you spend on the card
  • Earn five points for every dollar you spend at SportChek and sportchek.ca
  • Save 20% off purchases at the NHL's official online store—shop.canada.NHL.com
  • Redeem points for high end NHL or brand name merchandise, NHL game tickets, VIP NHL event experiences and more.
Typical APR
19.99%*
Balance Transfer
21.99%*
Balance Transfer Fee
1%* (N/A on intro offers)
Annual Fee
$0*
Credit Needed
Good

BMO® SPC AIR MILES MasterCard®*
BMO®  SPC AIR MILES MasterCard®*

BMO®  SPC AIR MILES MasterCard®*
  • Earn 500 Bonus reward miles when you spend $200 or more in purchases by October 31, 2013.* Apply by August 31, 2013.
  • Earn fast: 1 AIR MILES reward mile for every $20 you spend on the card
  • No Annual Fee
  • SPC (Student Price Card Ltd.) discounts of 10% to 15% at hundreds of your favourite stores
  • Earn 1.25x reward miles at Shell®‡‡ locations in Canada
  • Earn 1.5x reward miles and get up to 25% off rentals at National Car Rental®†† & Alamo Rent A Car®** locations worldwide
  • en Français
Typical APR
19.90%*
Balance Transfer
19.90%*
Balance Transfer Fee
$0
Annual Fee
$0*
Credit Needed
Good

CIBC Aero Classic VisaTM Card
CIBC Aero Classic Visa<sup>TM</sup> 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 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
Typical APR
19.99%*
Balance Transfer
21.99%*
Balance Transfer Fee
N/A*
Annual Fee
$29.00*
Credit Needed
Good

BMO® CashBack MasterCard®*
BMO®  CashBack MasterCard®*

BMO®  CashBack MasterCard®*
  • 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
Typical APR
19.90%*
Balance Transfer
19.90%*
Balance Transfer Fee
N/A*
Annual Fee
$0*
Credit Needed
Good

More Rewards MasterCard® Credit Card
More Rewards MasterCard® Credit Card

More Rewards MasterCard® Credit Card
  • 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
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

Scotiabank®* Gold American Express® Card
Scotiabank®* Gold American Express® Card

Scotiabank®* Gold American Express® Card
  • Earn 4x Scotia Rewards points for every $1 you spend at gas stations, grocery stores, on dining and entertainment
  • Earn one point on all other eligible purchases
  • Extraordinary travel benefits
  • Flexible Point Redemption
  • Comprehensive travel insurance
Typical APR
19.99%*
Balance Transfer
Yes*
Balance Transfer Fee
1%* (N/A on intro offers)
Annual Fee
$99*
Credit Needed
Good

Scotiabank®* American Express® Card
Scotiabank®* American Express® Card

Scotiabank®* American Express® Card
  • Earn 2x Scotia Rewards points for every $1 you spend at gas stations, grocery stores, on dining and entertainment
  • Earn one point on all other eligible purchases
  • Extraordinary travel benefits
  • Flexible Point Redemption
  • Comprehensive travel insurance
Typical APR
19.99%*
Balance Transfer
Yes*
Balance Transfer Fee
1%* (N/A on intro offers)
Annual Fee
$39*
Credit Needed
Good

Scotiabank® Rewards VISA* card
Scotiabank® Rewards VISA* card

Scotiabank® Rewards VISA* card
  • Earn 1 Scotia Rewards points for every $2 you spend
  • Extraordinary travel benefits
  • Flexible Point Redemption
Typical APR
19.99%*
Balance Transfer
Yes*
Balance Transfer Fee
1%* (N/A on intro offers)
Annual Fee
$0*
Credit Needed
Good