CreditCardGuru

Best Rewards Credit Cards in Canada

Updated June 2026 · Independently rated by the CreditCardGuru editorial team

The best rewards credit cards in Canada earn flexible, transferable points on everyday categories like groceries and dining. They sit between pure cash back and airline-specific cards, giving you the most redemption options.

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#6
CIBC Aventura Visa Infinite
CIBC®

CIBC® Aventura® Visa® Infinite

4.3·Flexible travel rewards with no airline lock-in
Annual fee
$139/yr
Welcome bonus
~$1,000
Top reward
2x travel via cibc rewards centre
  • Flexible points with no airline lock-in
  • First-year fee commonly waived

Suggested score 720+ · Excellent credit

Apply nowView details
#7
RBC Avion Visa Infinite
RBC®

RBC® Avion® Visa® Infinite

4.3·Flexible Avion points with airline transfer partners
Annual fee
$120/yr
Welcome bonus
~$700
Top reward
1.25x travel
  • Flexible points with airline transfer partners
  • No blackout travel redemptions

Suggested score 720+ · Excellent credit

Apply nowView details
#9
Scotiabank American Express Card
Scotiabank®

Scotiabank® American Express® Card

4.1·Budget-conscious earners who want Gold Amex-style category earning without paying an annual fee.
Annual fee
No annual fee
Welcome bonus
~$100
Top reward
3x sobeys-family grocery stores
  • Best-in-class earn rates for a no-fee card
  • Mobile device insurance is rare at $0 annual fee

Suggested score 660+ · Good credit

Apply nowView details
#10
MBNA Rewards World Elite Mastercard
MBNA®

MBNA® Rewards World Elite Mastercard®

4.1·Households with heavy grocery, dining and utility spend who want flexible points on a Mastercard.
Annual fee
$120/yr
Welcome bonus
~$300
Top reward
5x groceries
  • Exceptional 5x earn rate on groceries, dining, utilities, memberships and digital media
  • Birthday bonus effectively boosts all earnings by up to 10%

Suggested score 720+ · Excellent credit

Apply nowView details
#12
CIBC Aventura Visa Infinite Privilege Card
CIBC®

CIBC® Aventura® Visa® Infinite Privilege Card

4.0·High earners who want premium, airline-agnostic travel perks and strong everyday earn rates.
Annual fee
$499/yr
Welcome bonus
~$800
Top reward
3x travel via cibc rewards centre (cibc by expedia)
  • Strong 2x everyday categories and 1.25x base earn
  • $200 travel credit meaningfully offsets the fee

Suggested score 760+ · Excellent credit

Apply nowView details
#13
RBC ION+ Visa
RBC®

RBC® ION+® Visa®

4.0·Everyday spenders and students who want high multipliers on groceries, gas, dining and streaming at a minimal fee.
Annual fee
$48/yr
Welcome bonus
~$100
Top reward
3x groceries
  • 3x earn across most everyday spending categories for only $4/month
  • Effectively free for students and young adults

Suggested score 600+ · Fair credit

Apply nowView details
#14
PC World Elite Mastercard
PC® Financial

PC® World Elite Mastercard®

4.0·Loyal Loblaws, No Frills, Superstore and Shoppers Drug Mart shoppers who want maximum free groceries with no fee.
Annual fee
No annual fee
Welcome bonus
~$20
Top reward
45x shoppers drug mart / pharmaprix
  • Excellent no-fee returns at Loblaw, Shoppers and Esso
  • Rare no-fee inclusions: travel medical, rental car coverage and concierge

Suggested score 720+ · Excellent credit

Apply nowView details
#16
MBNA Rewards Platinum Plus Mastercard
MBNA®

MBNA® Rewards Platinum Plus Mastercard®

3.7·Budget-conscious earners who want no-fee points on groceries and dining, or a downgrade path from the World Elite.
Annual fee
No annual fee
Welcome bonus
~$100
Top reward
2x groceries
  • One of the best no-fee welcome bonuses in Canada
  • Solid 2x earning on groceries, dining and household bills

Suggested score 720+ · Excellent credit

Apply nowView details
#17
Desjardins Odyssey Gold Visa
Desjardins®

Desjardins® Odyssey® Gold Visa®

3.7·Travellers, especially snowbirds and frequent vacationers, who value long-duration travel medical insurance over raw earn rates.
Annual fee
$110/yr
Top reward
2x restaurants
  • Excellent 60-day comprehensive travel insurance, rare at this fee level
  • 2% earn across dining, entertainment, transit, travel and recurring bills

Suggested score 720+ · Excellent credit

Apply nowView details
#18
American Express Green Card
American Express®

American Express® Green Card

3.6·Points beginners who want a no-fee entry into the Membership Rewards ecosystem.
Annual fee
No annual fee
Welcome bonus
~$200
Top reward
1x all purchases
  • Rare no-fee access to fully transferable Membership Rewards points
  • Decent 10,000-point welcome bonus for a no-fee card

Suggested score 660+ · Good credit

Apply nowView details
#19
RBC ION Visa
RBC®

RBC® ION® Visa®

3.6·Students and budget-conscious spenders who want everyday rewards without an annual fee.
Annual fee
No annual fee
Welcome bonus
~$50
Top reward
1.5x groceries
  • Solid no-fee earn rates on everyday essentials
  • Good starter card for students and credit builders

Suggested score 600+ · Fair credit

Apply nowView details
#20
BMO eclipse rise Visa Card
BMO®

BMO® eclipse® rise Visa® Card

3.6·Credit builders and younger cardholders who want a no-fee card that rewards good financial habits.
Annual fee
No annual fee
Welcome bonus
~$175
Top reward
2.5x recurring bill payments
  • No annual fee with bonus categories on bills, groceries, and dining
  • Annual bonus points reward good payment habits

Suggested score 660+ · Good credit

Apply nowView details
#21
TD Platinum Travel Visa Card
TD® Bank

TD® Platinum Travel Visa® Card

3.5·Travellers who don't meet Visa Infinite income requirements but want elevated travel-points earning.
Annual fee
$89/yr
Welcome bonus
~$339
Top reward
6x expedia for td bookings
  • Solid 4.5x earn on groceries, dining and transit with no income requirement
  • First-year fee rebate on the current offer

Suggested score 720+ · Excellent credit

Apply nowView details
#22
TD Rewards Visa Card
TD® Bank

TD® Rewards Visa® Card

3.4·Budget-conscious spenders who want no-fee points on everyday categories with flexible redemption.
Annual fee
No annual fee
Welcome bonus
~$76
Top reward
4x expedia for td bookings
  • Best-in-class no-fee earn on groceries, dining and transit (3x)
  • Mobile device insurance is rare on a no-fee card

Suggested score 660+ · Good credit

Apply nowView details
#23
CIBC Adapta Mastercard
CIBC®

CIBC® Adapta® Mastercard®

3.4·Hands-off cardholders whose spending shifts month to month and drivers who value roadside assistance.
Annual fee
No annual fee
Welcome bonus
~$100
Top reward
2x travel via cibc by expedia
  • Adaptive top-category bonus requires zero planning
  • Free roadside assistance is unique for a no-fee card

Suggested score 660+ · Good credit

Apply nowView details
#24
Brim Mastercard
Brim® Financial

Brim® Mastercard®

3.4·Light spenders who want a no-fee card with below-average FX fees and fintech app features.
Annual fee
No annual fee
Top reward
0.5x all purchases
  • Low 1.5% FX fee and mobile device coverage on a no-fee card
  • Accessible $15,000 income requirement

Suggested score 660+ · Good credit

Apply nowView details
#25
CIBC Aventura Visa Card
CIBC®

CIBC® Aventura® Visa® Card

3.3·Budget-conscious cardholders who want simple travel points without an annual fee.
Annual fee
No annual fee
Welcome bonus
~$125
Top reward
1x gas & ev charging
  • No-fee access to flexible travel rewards
  • Decent 1x earn on gas, groceries and drug stores

Suggested score 660+ · Good credit

Apply nowView details
#26
BMO Blue Rewards Mastercard
BMO®

BMO® Blue Rewards Mastercard®

3.3·Casual Blue Rewards collectors who want a no-fee keeper card for partner spending.
Annual fee
No annual fee
Welcome bonus
~$135
Top reward
5x blue rewards partners (incl. blue rewards travel)
  • No-fee way to earn in the new Blue Rewards ecosystem
  • Easy welcome bonus with a low spend requirement

Suggested score 660+ · Good credit

Apply nowView details
#28
Brim World Elite Mastercard
Brim® Financial

Brim® World Elite Mastercard®

3.3·Travellers who value Brim's rich insurance package and lower FX fee more than raw earn rates.
Annual fee
$89/yr
Top reward
1x all purchases
  • Comprehensive and unusual insurance lineup, including event ticket and hotel burglary coverage
  • First year free with a low 1.5% FX fee

Suggested score 720+ · Excellent credit

Apply nowView details
#29
Brim World Mastercard
Brim® Financial

Brim® World Mastercard®

2.8·Existing cardholders who value its mid-tier insurance package, since the card is no longer competitive against alternatives.
Annual fee
$99/yr
Top reward
1x all purchases
  • Unusual insurance perks like event ticket protection and mobile device coverage
  • Lower-than-standard FX fee

Suggested score 690+ · Good credit

Apply nowView details

Rewards credit cards: FAQ

What is the best rewards credit card in Canada?

The American Express Cobalt Card is our top-rated rewards card, earning 5x points on dining and groceries with flexible Membership Rewards that transfer to airline and hotel partners.

What's the difference between a rewards card and a travel card?

Rewards cards earn flexible points you can redeem many ways, while travel cards are usually tied to a specific airline or travel program. Rewards cards trade some peak redemption value for flexibility.

Want to see how these stack up against every other card? Compare all credit cards or read how we rate cards.

Disclaimer: This page is for informational purposes only and does not constitute financial, tax or legal advice. Card terms and offers change and may be out of date — always verify with the issuer before applying, and consult a qualified professional before making financial decisions. CreditCardGuru may earn a commission from cards featured on this site; this never influences our editorial ratings. See our advertiser disclosure.

Written by

C

CreditCardGuru Editorial Team

Rewards & Cards Research

Our editorial team independently researches and rates every credit card in Canada using a transparent, data-driven methodology. We update card terms continuously and never let issuer relationships influence our ratings.

  • 200+ Canadian cards tracked
  • Transparent rating methodology
  • Updated continuously

Cite this page

“Best Rewards Credit Cards in Canada” — CreditCardGuru, https://creditcardguru.ca/best/rewards.

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