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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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.
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.
