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Compare credit cards in Canada

Filter 105 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 105 cards

#32
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
#33
BMO CashBack Mastercard
BMO®

BMO® CashBack Mastercard®

4.3·No-fee grocery cash back — a great first or student card
Annual fee
No annual fee
Welcome bonus
~$125
Top reward
3% groceries
  • Strong no-fee grocery rate
  • Easy approval, good for students

Suggested score 600+ · Fair credit

Apply nowView details
#34
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
#36
Tangerine Money-Back World Mastercard
Tangerine®

Tangerine® Money-Back World Mastercard®

4.3·Higher earners who want the Tangerine 2% category system upgraded with insurance and travel perks at no cost.
Annual fee
No annual fee
Welcome bonus
~$100
Top reward
2% 2% category of your choice
  • All the Money-Back card's earning power plus real insurance and travel extras
  • Mobile device and rental car coverage on a $0-fee card is rare

Suggested score 660+ · Good credit

Apply nowView details
#47
Neo Secured Card
Neo® Financial

Neo® Secured Card

4.1·Rebuilding credit while still earning cash back
Annual fee
No annual fee
Top reward
1% everyday spending
  • Rare secured card that earns cash back
  • No annual fee on the standard tier

Suggested score 560+ · Building credit

Apply nowView details
#48
TD Cash Back Visa Infinite Card
Guru PickTD® Bank

TD® Cash Back Visa® Infinite Card

4.1·Drivers and households with big grocery, gas and bill spend who want simple cash back plus roadside assistance.
Annual fee
$139/yr
Welcome bonus
~$489
Top reward
3% groceries
  • Strong 3% earn across five everyday categories
  • Free roadside assistance is a rare, genuinely useful perk

Suggested score 720+ · Excellent credit

Apply nowView details
#49
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
#50
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
#51
Triangle World Elite Mastercard
Guru PickCanadian Tire® Bank

Triangle® World Elite Mastercard®

4.1·Drivers and Canadian Tire/Sport Chek shoppers who want strong no-fee rewards plus free roadside assistance.
Annual fee
No annual fee
Top reward
4% canadian tire, sport chek, mark's, party city & partner stores
  • Outstanding value for a no-fee card: 4% at Canadian Tire family stores and 3% on groceries
  • Free Gold roadside assistance is a genuine ~$100 annual perk

Suggested score 720+ · Excellent credit

Apply nowView details
#59
TD Aeroplan Visa Platinum Card
TD® Bank

TD® Aeroplan® Visa® Platinum Card

4.0·Maximizing rewards on gas & groceries & ev charging & air canada
Annual fee
$89/yr
Welcome bonus
~$441
Top reward
1x gas & groceries & ev charging & air canada
  • Earns 1x on gas & groceries & ev charging & air canada
  • First Year Rebate on the annual fee

Suggested score 720+ · Excellent credit

Apply nowView details
#61
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
#63
CIBC Costco Mastercard
CIBC®

CIBC® Costco® Mastercard®

4.0·Costco members who dine out and fill up at Costco gas regularly.
Annual fee
No annual fee
Top reward
3% restaurants
  • Strong 3% on restaurants and Costco gas with no fee
  • Mobile device insurance is rare on no-fee cards

Suggested score 660+ · Good credit

Apply nowView details
#64
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
#65
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
#66
United MileagePlus Neo World Elite Mastercard
Neo® Financial

United® MileagePlus® Neo® World Elite Mastercard®

4.0·Canadians who fly United or Star Alliance regularly and want checked-bag and boarding perks at a modest fee.
Annual fee
$89/yr
Welcome bonus
~$375
Top reward
1.25x united airlines & star alliance flights
  • First premium United co-brand card in Canada at a low $89 fee
  • Real airline perks: free checked bag, priority boarding, award discounts

Suggested score 720+ · Excellent credit

Apply nowView details
#69
WestJet RBC World Elite Mastercard for Business
RBC®

WestJet® RBC® World Elite Mastercard® for Business

3.9·Business owners who fly WestJet frequently and want instant elite status plus accelerated points on company spend.
Annual fee
$175/yr
Welcome bonus
~$450
Top reward
6x westjet flights
  • Instant Silver status and very high earn on WestJet spending
  • Point pooling across business, employee and personal cards

Suggested score 720+ · Excellent credit

Apply nowView details
#70
Meridian Visa Infinite Cash Back Card
Meridian®

Meridian® Visa® Infinite Cash Back Card

3.9·Ontario families who spend heavily on gas and groceries and want big-bank cash back rates at a credit union price.
Annual fee
$99/yr
Welcome bonus
~$70
Top reward
4% groceries
  • Standout 4% earn rate on gas and groceries
  • First-year fee waiver and a modest $99 fee thereafter

Suggested score 720+ · Excellent credit

Apply nowView details
#72
CIBC Select Visa Card
CIBC®

CIBC® Select Visa® Card

3.8·Anyone carrying a balance or consolidating credit card debt.
Annual fee
$29/yr
Top reward
No rewards
  • One of the cheapest ways in Canada to pay down card debt
  • Same low rate applies to cash advances

Suggested score 690+ · Good credit

Apply nowView details
#73
Neo World Mastercard
Neo® Financial

Neo® World Mastercard®

3.8·Cost-conscious spenders who want solid no-fee cashback on everyday essentials.
Annual fee
No annual fee
Top reward
2% groceries
  • 2% on groceries, gas, and bills with no annual fee
  • Flexible reward plans and instant redemption

Suggested score 660+ · Good credit

Apply nowView details
#74
Home Trust Preferred Visa
Home Trust®

Home Trust® Preferred Visa®

3.8·Budget-conscious travellers and cross-border shoppers who want to avoid FX fees without paying an annual fee.
Annual fee
No annual fee
Top reward
1% all eligible purchases
  • One of the only no-fee cards in Canada with 0% FX fees
  • Uncapped 1% cash back with a very low $15,000 income requirement

Suggested score 660+ · Good credit

Apply nowView details

No FX fee

#76
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
#78
Rogers Red Mastercard
Rogers® Bank

Rogers® Red Mastercard®

3.7·Rogers or Fido customers who don't meet World Elite income requirements but still want 2% cashback.
Annual fee
No annual fee
Top reward
2% u.s. dollar purchases
  • 2% cashback everywhere for Rogers-family customers with no fee
  • Useful telecom perks like free roaming days and 0% phone financing

Suggested score 660+ · Good credit

Apply nowView details
#79
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
#80
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
#81
CIBC Aeroplan Visa Card
CIBC®

CIBC® Aeroplan® Visa® Card

3.6·Casual Aeroplan collectors who refuse to pay an annual fee.
Annual fee
No annual fee
Welcome bonus
~$200
Top reward
1x gas & ev charging
  • No annual fee entry into the Aeroplan program
  • Includes rental car insurance, rare on a no-fee card

Suggested score 660+ · Good credit

Apply nowView details
#82
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
#83
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
#84
Desjardins Cash Back Mastercard
Desjardins®

Desjardins® Cash Back Mastercard®

3.6·Desjardins members who want no-fee cash back on dining, entertainment and recurring bills with bonus short-trip insurance.
Annual fee
No annual fee
Top reward
2% restaurants
  • Solid 2% categories on a no-fee card
  • Rare no-fee card with travel medical insurance (3 days) and mobile device coverage

Suggested score 660+ · Good credit

Apply nowView details
#85
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
#86
CIBC Aventura Visa Card for Students
CIBC®

CIBC® Aventura® Visa® Card for Students

3.5·Post-secondary students building credit who want a first travel-rewards card.
Annual fee
No annual fee
Welcome bonus
~$125
Top reward
1x gas & ev charging
  • No income requirement makes approval accessible for students
  • Free SPC+ membership adds real student value

Suggested score 600+ · Fair credit

Apply nowView details
#87
BMO VIPorter Mastercard
BMO®

BMO® VIPorter® Mastercard®

3.5·Occasional Porter flyers who want airline perks without a premium fee.
Annual fee
$89/yr
Welcome bonus
~$419
Top reward
2x porter airlines purchases
  • Annual 35% flight discount can exceed the fee in one booking
  • Porter perks at a mid-tier price point

Suggested score 690+ · Good credit

Apply nowView details
#89
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
#91
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
#92
RBC Cash Back Mastercard
RBC®

RBC® Cash Back Mastercard®

3.4·No-fee seekers and students who put most of their spending on groceries.
Annual fee
No annual fee
Welcome bonus
~$70
Top reward
2% grocery store purchases
  • Strong no-fee grocery earn rate
  • Flexible on-demand cash back redemption

Suggested score 600+ · Fair credit

Apply nowView details
#93
BMO CashBack Business Mastercard
BMO®

BMO® CashBack Business Mastercard®

3.4·Cost-conscious small businesses that want simple cash back on gas, office supplies, and telecom with no fee.
Annual fee
No annual fee
Welcome bonus
~$150
Top reward
1.5% gas stations
  • Solid no-fee earn on common business expenses
  • Useful intro balance transfer offer for cash flow

Suggested score 660+ · Good credit

Apply nowView details
#94
BMO Preferred Rate Mastercard
BMO®

BMO® Preferred Rate Mastercard®

3.4·Anyone who carries a balance and wants to minimize interest charges rather than earn rewards.
Annual fee
$29/yr
Welcome bonus
~$29
Top reward
No rewards
  • Among the lowest purchase interest rates from a big bank
  • Cheap and effective for paying down transferred balances

Suggested score 690+ · Good credit

Apply nowView details
#95
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
#96
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
#97
WestJet RBC Mastercard
RBC®

WestJet® RBC® Mastercard®

3.3·Occasional WestJet flyers who want a companion voucher without a premium annual fee.
Annual fee
$39/yr
Welcome bonus
~$150
Top reward
1.5x westjet flights, westjet vacations & sunwing vacations
  • Companion voucher at a low $39 annual fee
  • Low $2,500 annual spend to renew the voucher

Suggested score 690+ · Good credit

Apply nowView details
#99
Scotia Momentum No-Fee Visa Card
Scotiabank®

Scotia Momentum® No-Fee Visa® Card

3.3·First-time cardholders or balance transferrers who want a free everyday cash back card.
Annual fee
No annual fee
Welcome bonus
~$200
Top reward
1% groceries
  • Solid 10% intro cash back offer for a no-fee card
  • Useful 0% balance transfer intro offer

Suggested score 660+ · Good credit

Apply nowView details
#100
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
#102
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
#104
TD Cash Back Visa Card
TD® Bank

TD® Cash Back Visa® Card

2.8·TD loyalists who want a simple, no-fee cash back card for light spending.
Annual fee
No annual fee
Top reward
1% groceries
  • No fee and no income requirement
  • Cash back never expires and can be redeemed anytime

Suggested score 660+ · Good credit

Apply nowView details
#105
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

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Compare All Credit Cards in Canada (2026) | CreditCardGuru