Compare credit cards in Canada

Filter 9 hand-rated cards by reward type, annual fee and network — then sort by the value that matters to you. Every rating is editorially independent.

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Showing 9 cards

American ExpressAMEX

American Express Cobalt Card

Top pickAmerican Express

American Express Cobalt Card

4.8·Foodies and everyday spenders who want maximum points on dining and groceries

Annual fee: $156/yr
Welcome bonus: ~$300
Top reward: 5x eats & food delivery

Best-in-class earn rate on dining and groceries
Membership Rewards transfer to Aeroplan, Marriott & more

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ScotiabankAMEX

Scotiabank Gold American Express

Top pickScotiabank

Scotiabank Gold American Express

4.7·Grocery shoppers and travellers who want no foreign transaction fees

Annual fee: $120/yr
Welcome bonus: ~$650
Top reward: 6x groceries

No 2.5% foreign transaction fee
6x on groceries is one of the highest in Canada

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No FX fee

ScotiabankVISA

Scotiabank Passport Visa Infinite

Top pickScotiabank

Scotiabank Passport Visa Infinite

4.6·Travellers who want lounge access and zero FX fees

Annual fee: $150/yr
Welcome bonus: ~$500
Top reward: 3x groceries

No FX fee plus 6 free lounge visits a year
Strong 3x on everyday categories

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No FX fee

TDVISA

TD Aeroplan Visa Infinite

Top pickTD

TD Aeroplan Visa Infinite

4.5·Air Canada flyers who want free checked bags and Aeroplan points

Annual fee: $139/yr
Welcome bonus: ~$1,200
Top reward: 1.5x groceries

Free first checked bag pays for the fee quickly
Aeroplan points have high redemption ceilings

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BMOMastercard

BMO CashBack World Elite Mastercard

BMO

BMO CashBack World Elite Mastercard

4.5·Big grocery spenders who want the highest cash back rate

Annual fee: $120/yr
Welcome bonus: ~$260
Top reward: 5% groceries

Highest headline grocery cash-back rate in Canada
Strong transit and gas categories

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TangerineMastercard

Tangerine Money-Back Credit Card

Top pickTangerine

Tangerine Money-Back Credit Card

4.4·No-fee cash back with customizable bonus categories

Annual fee: No annual fee
Welcome bonus: ~$100
Top reward: 2% groceries (a 2% category)

Pick the 2% categories that match your spending
Truly no-fee with monthly payouts

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Rogers BankMastercard

Rogers Red World Elite Mastercard

Rogers Bank

Rogers Red World Elite Mastercard

4.4·Simple flat-rate cash back and US-dollar spending

Annual fee: No annual fee
Welcome bonus: ~$60
Top reward: 3% us-dollar purchases

Flat 1.5% on everything with no fee
Uniquely good for US-dollar spending

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CIBCVISA

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

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Simplii FinancialVISA

Simplii Financial Cash Back Visa

Simplii Financial

Simplii Financial Cash Back Visa

4.2·No-fee dining cash back

Annual fee: No annual fee
Welcome bonus: ~$150
Top reward: 4% restaurants, bars & coffee shops

Excellent no-fee dining rate
Useful 1.5% on gas, groceries and bills

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