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Rewards Credit Cards
The following reward credit cards offer rewards programs or cash back. Rewards credit cards come with rewards for using the credit cards -- with points programs or cash back. Compare the rewards credit cards listed below and apply online for the one that's right for you.
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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 |
| BMO® AIR MILES® World MasterCard®* |
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- Earn faster: 1 AIR MILES reward mile for every $15 you spend on the card
- Exclusive 25% flight discount: Use 25% fewer reward miles when you redeem for any AIR MILES flight worldwide, with no blackout periods
- 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
$99* | 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 |
| 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 |
| American Express® AeroplanPlus®* Gold Card |
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- 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
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Typical APR
30%* | Balance Transfer
N/A* | Balance Transfer Fee
N/A* | Annual Fee
$120* | Credit Needed
Excellent |
| American Express® Gold Rewards Card |
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- 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
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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; $150 Annual Fee thereafter* | Credit Needed
Excellent |
| 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 |
| Scotia Momentum® No-Fee VISA Card |
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- 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
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Typical APR
19.99%* | Balance Transfer
21.99%* | Balance Transfer Fee
1%* (N/A on intro offers) | Annual Fee
$0* | Credit Needed
Good |
| Aspire Cash™ Platinum MasterCard® |
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- 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%
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Typical APR
Prime + 16.8% | Balance Transfer
Prime + 16.8% | Balance Transfer Fee
See Application | Annual Fee
$0* | Credit Needed
Average Credit |
| 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 |
| 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 |
| Aspire Travel™ Platinum MasterCard® |
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- 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%
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Typical APR
Prime + 16.8% | Balance Transfer
Prime + 16.8% | Balance Transfer Fee
See Application | Annual Fee
$0* | Credit Needed
Average Credit |
| 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® SPC AIR MILES MasterCard®* |
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- 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
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Typical APR
19.90%* | Balance Transfer
19.90%* | Balance Transfer Fee
$0 | Annual Fee
$0* | 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 |
| 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 |
| 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
21.99%* | Balance Transfer Fee
N/A* | Annual Fee
$29.00* | Credit Needed
Good |
| Sony Card MasterCard® credit card |
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- Earn Sony Points on qualifying net retail purchases made using your Sony Card MasterCard®‡
- Get 2,000 Sony Points after your first qualifying transaction††
- Earn Double Sony Points with every qualifying net retail purchase of Sony products at sony.ca or the Sony store/ Maison Sony‡
- Redeem Sony Points toward any Sony product at sony.ca
- 1.99% annual interest rate† (AIR) on balance transfers* and deposits* for the first 6 full months
- Browse through the complete sony.ca catalogue including PlayStation Games, VAIO Wireless Notebooks, BRAVIA LCD Televisions, MP3 Walkman Digital Music Players, movies, and so much more!
- 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 |
| 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 |
| BMO® Rewards World Elite MasterCard®* |
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- Fly now: 15,000 BMO Rewards points welcome bonus1- that's a $285 travel credit to use right away
- Earn 1 BMO Rewards point for every $1 you spend on the card
- Redeem anytime with no blackout periods and points cover ALL flight charges, including taxes3
- Points never expire as long as you have your account
- Total Travel Protection: travel medical coverage for up to 21 days, trip cancellation/trip interruption/trip delay insurance, and car rental collision damage waiver
- Access to VIP lounges with your free Priority Pass™†* membership and four complimentary airport lounge visits each year (over US$200/year value)
- en Français
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Typical APR
20.50%* | Balance Transfer
20.50% | Balance Transfer Fee
$0 | Annual Fee
$150 | Credit Needed
Excellent |
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