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Credit cards in Canada: compare cards side by side

Updated

The table below compares the cards in this site’s card data side by side, grouped by type: annual fee, rewards, network and income requirement, each where the table has a figure. Where to start points to the page for your situation, and cards by spending links each ranking. How to choose a card, and the types of card, are on choosing a card. For your provider’s sign-in page, see sign-in links and each provider’s card page.

Where to start

Each line names a situation and the page that covers it.

Cards by what you spend on

Each line names a kind of spending and the ranking or page for it.

Compare credit cards side by side

The table lists each card in this site’s card data once, in the group for its type. Each card’s name links a page on this site that covers it where there is one, otherwise the provider’s page for the card or for its cards.

Groups: Cash back cards (32) · Points cards (29) · Travel rewards cards (13) · Airline cards (11) · Hotel cards (1) · Premium cards (10) · Low-interest cards (12) · Other cards with no annual fee (4) · Student cards (11) · Secured cards (3) · Prepaid cards (4) · Store and retailer cards (9) · U.S. dollar cards (3) · Business cards (32)

Cash back cards

CardProviderNetwork (and tier, where the provider names one)Annual feeRewardsIncome requirement
SimplyCash Card from American Express
Also: no annual fee
American ExpressAmerican Express$02% at stand-alone gas stations and grocery stores in Canada (up to $15,000 in purchases a year at that rate, equal to $300 cash back), 1.25% everything else–
SimplyCash Preferred Card from American ExpressAmerican ExpressAmerican Express$9.99/mo outside Quebec; $119/year in Quebec4% gas, 4% groceries (up to $1,200 cash back a year), 2% everything else–
BMO CashBack Mastercard
Also: no annual fee
BMOMastercard$03% groceries and 1% recurring bills (first $500 per statement period each), 0.5% everything else–
BMO CashBack World Elite MastercardBMOMastercard, World Elite$139/year5% groceries (first $500/statement), 4% transit and 3% gas/EV charging (first $300/statement each), 2% recurring bills (first $500/statement), 1% everything else$80,000 personal or $150,000 household
Capital One Quicksilver World Elite Mastercard
Also: no annual fee
Capital One CanadaMastercard, World Elite$03% at eligible grocery stores (not superstores such as Walmart and Costco) and at eligible gas stations and EV charging stations, 1% on other eligible purchases$80,000 personal or $150,000 household
Capital One Quicksilver World Mastercard
Also: no annual fee
Capital One CanadaMastercard, World$03% at eligible grocery stores (not superstores such as Walmart and Costco) and at eligible gas stations and EV charging stations, 1% on other eligible purchases$50,000 personal or $80,000 household
CIBC Dividend Platinum Visa CardCIBCVisa, Platinum$99/year3% gas/EV charging/groceries, 2% transportation/dining/recurring payments/CIBC by Expedia travel, 1% everything else (the 3% and 2% rates, except Expedia travel, apply until $30,000 in total net annual purchases or $20,000 in these categories, whichever comes first; no limit on total cash back)$15,000 household
CIBC Dividend Visa Card
Also: no annual fee
CIBCVisa$02% groceries, 1% gas/EV charging/transportation/dining/recurring payments/CIBC by Expedia travel, 0.5% everything else (the 2% and 1% rates, except Expedia travel, apply until $30,000 in total net annual purchases or $20,000 in these categories, whichever comes first; no limit on total cash back)$15,000 household
CIBC Dividend Visa Infinite CardCIBCVisa, Visa Infinite$120/year4% gas/EV charging/groceries, 2% transportation/dining/recurring payments/CIBC by Expedia travel, 1% everything else (the 4% and 2% rates, except Expedia travel, apply until $50,000 in total net annual purchases or $20,000 in these categories, whichever comes first; no limit on total cash back)$60,000 personal or $100,000 household
Desjardins Cash Back Mastercard
Also: no annual fee
DesjardinsMastercard$0Up to 2% cash back on purchases–
Desjardins Cash Back Visa
Also: no annual fee
DesjardinsVisa$0Up to 2% cash back on purchases–
Desjardins Cash Back World Elite MastercardDesjardinsMastercard, World Elite$100/yearUp to 4% cash back on purchases–
Home Trust Preferred Visa
Also: no annual fee
Home TrustVisa$01% cash back (foreign transactions not eligible)–
National Bank ECHO Cashback MastercardNational Bank of CanadaMastercard–1.5% gas/groceries/online purchases (first $25,000 a year), 1% everything elseNone (no minimum income required)
National Bank mycredit Mastercard
Also: no annual fee
National Bank of CanadaMastercard$0Up to 1% cashback–
Neo Mastercard
Also: no annual fee
Neo FinancialMastercard$0Cashback through offers at Neo partners; Neo says cashback on gas and groceries ended October 1, 2026None stated
Neo World Elite MastercardNeo FinancialMastercard, World Elite$149/year5% groceries (first $1,000 a month), 4% recurring payments (first $500 a month), 3% gas (first $1,000 a month), then 1%; 1% everything else$80,000 personal or $150,000 household
RBC Cash Back Mastercard
Also: no annual fee
RBC Royal BankMastercard$02% groceries, 1% gas/EV charging/rideshare/transit, 0.5% everything else–
RBC Cash Back Preferred World Elite MastercardRBC Royal BankMastercard, World Elite$120/year3% groceries/dining/gas/transit/streaming and more, 1% everything else$80,000 personal or $150,000 household
Rogers Red Mastercard
Also: no annual fee
Rogers BankMastercard$02% with a qualifying Rogers, Fido, Shaw or Comwave service (2% on U.S. dollar purchases, 1% on other purchases without one), on the first $16,000 a year, then 1%None stated; subject to credit approval
Rogers Red World Elite Mastercard
Also: no annual fee
Rogers BankMastercard, World Elite$03% on U.S. dollar purchases; 2% on other purchases with a qualifying Rogers, Fido, Shaw or Comwave service (1.5% without), on the first $61,000 a year, then 1.5%$80,000 personal or $150,000 household
Rogers Red World Mastercard
Also: no annual fee
Rogers BankMastercard, World$02% with a qualifying Rogers, Fido, Shaw or Comwave service (2% on U.S. dollar purchases, 1% on other purchases without one), on the first $26,000 a year, then 1%$50,000 personal or $80,000 household
Scotia Momentum Mastercard
Also: no annual fee
ScotiabankMastercard$01% gas/groceries/drug stores/recurring bills, 0.5% everything else–
Scotia Momentum No-Fee Visa Card
Also: no annual fee
ScotiabankVisa$01% groceries/gas/EV charging/transit/rideshare/food delivery/drugstores/recurring bills (first $15,000 a year), 0.5% everything else–
Scotia Momentum Visa CardScotiabankVisa$49/year2% groceries/gas/EV charging/transit/rideshare/food delivery/drugstores/recurring bills (up to an annual spend limit of $25,000), 1% everything else–
Scotia Momentum Visa Infinite+ CardScotiabankVisa, Visa Infinite$120/year4% groceries and recurring bills, 2% gas/EV charging/transit/rideshare/food delivery (each up to $25,000 a year), 1% everything else$60,000 - $80,000 or more personal, $100,000 - $150,000 or more household, or $250,000 - $300,000 or more in assets under management
Simplii Financial Cash Back Visa Card
Also: no annual fee
Simplii FinancialVisa$04% restaurant/bar/coffee shop (first $5,000/yr), 1.5% gas/groceries/drugstore/pre-authorized payments (first $15,000/yr), 0.5% everything else$15,000 household; Simplii's list also asks that you live in Canada as a Canadian citizen or permanent resident (excluding Quebec), have reached the age of majority and haven't declared bankruptcy in the last 7 years
Tangerine Money-Back Credit Card
Also: no annual fee
TangerineMastercard$02% cash back in 2 categories you choose (3 with rewards paid into a Tangerine Savings Account), 0.5% on everything else$12,000 gross annual income
Tangerine Money-Back World Mastercard
Also: no annual fee
TangerineMastercard, World$02% cash back in 2 categories you choose (3 with rewards paid into a Tangerine Savings Account), 0.5% on everything else$50,000 gross annual income, $80,000 gross household income, or $250,000 in Tangerine Savings and/or Investment Fund Accounts
TD Cash Back Visa Card
Also: no annual fee
TDVisa$01% in four categories: groceries; gas and EV charging; public transit; recurring bills and streaming, digital gaming and media (first $5,000 a year in each of the four), 0.5% everything elseNone stated; Canadian resident of the age of majority
TD Cash Back Visa Infinite CardTDVisa, Visa Infinite$139/year3% in four categories: groceries; gas and EV charging; public transit; recurring bills and streaming, digital gaming and media (first $15,000 a year in each of the four), 1% everything else$60,000 personal or $100,000 household
Wealthsimple Visa Infinite+ / Visa Infinite Privilege credit cardWealthsimpleVisa, Visa Infinite+ or Visa Infinite Privilege (matched by Wealthsimple)$20/mo for clients with under $100,000 in individual assets, waived with a monthly direct deposit of $4,000 or more to a Wealthsimple chequing account (Quebec clients are charged annually)2% cash back, no categories (not on cash-like transactions, refunds, fees or adjustments)Visa Infinite+: $80,000 personal or $150,000 household. Visa Infinite Privilege: $150,000 personal or $200,000 household, or $50,000 annual spend, or $400,000 in assets with Wealthsimple

Points cards

CardProviderNetwork (and tier, where the provider names one)Annual feeRewardsIncome requirement
American Express Cobalt CardAmerican ExpressAmerican Express$15.99/mo outside Quebec; $191.88/year in Quebec5x eats & drinks, such as eligible restaurants and food delivery in Canada, 3x eligible streaming in Canada, 2x eligible gas, transit and ride share in Canada, 1x everything else–
American Express Green Card
Also: no annual fee
American ExpressAmerican Express$01x on everyday purchases–
BMO Blue Rewards Mastercard
Also: no annual fee
BMOMastercard$05 Blue Points per $1 at partners (first $15,000 a calendar year), 1 on groceries/gas/EV charging/wholesale/alcohol (first $500 per category per statement), 0.5 on everything else–
BMO Blue Rewards World Elite MastercardBMOMastercard, World Elite$150/year10 Blue Points per $1 at partners (first $25,000 a year), 2 on groceries/gas/EV charging/wholesale/alcohol (first $500 per category per statement), 1 on everything else$80,000 personal or $150,000 household
BMO eclipse rise Visa Card
Also: no annual fee
BMOVisa$05 points per $2 on recurring bills, groceries and dining/takeout, 1 point per $2 everything else–
BMO eclipse Visa Infinite CardBMOVisa, Visa Infinite$120/year5x BMO Rewards points on groceries and dining in Canada (first $6,000 a year each) and on gas and transit in Canada (first $20,000 a year each), 1x everything else$60,000 personal or $100,000 household (or $15,000 declared current annual spend)
Brim Mastercard (no annual fee)
Also: no annual fee
Brim FinancialMastercard$01 Brim point per $2 spent–
Brim World Elite MastercardBrim FinancialMastercard, World Elite$89/year1 Brim point per $1 spent–
Capital One Smart Rewards Mastercard
Also: no annual fee
Capital One CanadaMastercard$05 points per $1 paid towards your balance–
CIBC Adapta Mastercard
Also: no annual fee
CIBCMastercard$01.5x in your top 3 spend categories each month, 2x eligible travel via CIBC by Expedia, 1x everything else$15,000 household
Desjardins Bonus Visa
Also: no annual fee
DesjardinsVisa$0Up to 2% of purchases in BONUSDOLLARS–
Desjardins Odyssey Gold VisaDesjardinsVisa, Gold$110/yearUp to 2% of purchases in BONUSDOLLARS–
Desjardins Odyssey Visa Infinite PrivilegeDesjardinsVisa, Visa Infinite Privilege$295 members / $395 non-membersUp to 4% of purchases in BONUSDOLLARS–
Desjardins Odyssey World Elite MastercardDesjardinsMastercard, World Elite$130/yearUp to 3% of purchases in BONUSDOLLARS–
MBNA Rewards Platinum Plus Mastercard
Also: no annual fee
MBNAMastercard$02 points per $1 on restaurant, grocery, digital media, membership and utility purchases (up to $10,000 a year per category), 1 point per $1 on everything elseNone stated; Canadian resident of the age of majority
MBNA Rewards World Elite MastercardMBNAMastercard, World Elite$120/year5 points per $1 on restaurant, grocery, digital media, membership and utility purchases (up to $50,000 a year per category), 1 point per $1 on everything elsePersonal income greater than $80,000, or household income of $150,000 or more
National Bank Allure MastercardNational Bank of CanadaMastercard$30/year (À la carte Rewards Plan version, regular interest rate)1 point per $2 spent; $10 credited per 1,000 points–
National Bank Platinum MastercardNational Bank of CanadaMastercard, Platinum$70/year2x on groceries and restaurants (first $1,000 of monthly purchases, then 1.5x), 1.5x gas/EV charging/recurring bills/À la carte Travel, 1 point per $1.50 everything elseNone (no minimum annual income required)
National Bank World Elite MastercardNational Bank of CanadaMastercard, World Elite$150/year5x on groceries and restaurants until total gross monthly purchases on the card reach $2,500 (then 2x), 2x gas/EV charging/recurring bills/À la carte Travel, 1x everything else$80,000 personal or $150,000 household
National Bank World MastercardNational Bank of CanadaMastercard, World$115/year––
moi RBC Visa
Also: no annual fee
RBC Royal BankVisa$02 Moi points per $1 on dining, gas and EV charging, 1 point per $1 everywhere else–
More Rewards RBC Visa
Also: no annual fee
RBC Royal BankVisa$05 points per $1 groceries/pharmacy/partners and gas/EV charging/dining, 3 points per $1 everywhere else–
More Rewards RBC Visa Infinite
Also: no annual fee
RBC Royal BankVisa, Visa Infinite$08 points per $1 at partners and on gas/EV charging/dining, 4 points per $1 everywhere else$60,000 personal or $100,000 household
RBC ION Visa
Also: no annual fee
RBC Royal BankVisa$01.5x Avion points on groceries, gas, rideshare, streaming services and more, 1x everything else–
RBC ION+ VisaRBC Royal BankVisa$48/year3x Avion points on groceries, gas, dining, food delivery, rideshare, streaming and more, 1x everything else–
RBC U.S. Dollar Visa GoldRBC Royal BankVisa, Visa Gold$65 USD/year1x Avion points per U.S. $1 spent–
Scotiabank American Express Card
Also: no annual fee
ScotiabankAmerican Express$03x Scene+ at Sobeys/IGA/Safeway/Foodland/FreshCo and other listed grocers, 2x other grocery/dining/entertainment/gas/daily transit/select streaming (first $50,000 a year), 1x everything else$12,000 personal
Scotiabank Gold American Express CardScotiabankAmerican Express, Gold$120/year6x Scene+ at Sobeys/IGA/Safeway/Foodland/FreshCo and other listed grocers, 5x other grocery/dining/entertainment, 3x gas/transit/select streaming, 1x everything else (accelerated rates on the first $50,000 a year, Canadian-dollar purchases only); an extra 3 points per $1 on hotels and car rentals in Canada booked through Scene+ Travel$12,000 personal
Scotiabank Scene+ Visa Card
Also: no annual fee
ScotiabankVisa$02x Scene+ at Sobeys/Safeway/IGA/Foodland/FreshCo and other listed grocers, Home Hardware and Cineplex, 1x everything else–

Travel rewards cards

CardProviderNetwork (and tier, where the provider names one)Annual feeRewardsIncome requirement
American Express Gold Rewards Card
Also: points
American ExpressAmerican Express, Gold$250/year2x eligible gas, grocery and drugstore purchases in Canada, 2x travel (including eligible flights, hotels, car rentals and cruises), plus 1 extra point on eligible hotel or car rental bookings through Amex Travel Online, 1x everything else–
BMO Ascend World Elite Mastercard
Also: points
BMOMastercard, World Elite$150/year5x BMO Rewards points on travel (first $15,000/yr), 3x dining/entertainment/recurring bills (first $10,000/yr each), 1x everything else$80,000 personal or $150,000 household
CIBC Aventura Gold Visa Card
Also: points
CIBCVisa, Gold$139/year2x eligible travel via CIBC Rewards Centre, 1.5x gas/EV charging/groceries/drug stores (on the first $80,000 in net annual card purchases, then 1x), 1x everything else$15,000 household
CIBC Aventura Visa Card
Also: points, no annual fee
CIBCVisa$0–$15,000 household
CIBC Aventura Visa Infinite Card
Also: points
CIBCVisa, Visa Infinite$139/year2x eligible travel via CIBC Rewards Centre, 1.5x gas/EV charging/groceries/drug stores (on the first $80,000 in net annual card purchases, then 1x), 1x everything else$60,000 personal or $100,000 household
CIBC U.S. Dollar Aventura Gold Visa Card
Also: points
CIBCVisa, GoldUS$35/year1x eligible travel via CIBC Rewards Centre, 0.5x everything else$15,000 household
RBC Avion Visa Infinite
Also: points
RBC Royal BankVisa, Visa Infinite$120/year1.25x Avion points on travel, 1x everything else$60,000 personal or $100,000 household
RBC Avion Visa Platinum
Also: points
RBC Royal BankVisa, Visa Platinum$120/year1x Avion points on everything–
Scotiabank Passport Visa Infinite+ Card
Also: points
ScotiabankVisa, Visa Infinite$150/year3x Scene+ at Sobeys/Safeway/IGA/Foodland/Co-op and other listed grocers and 2x other grocery/dining/entertainment/daily transit (both on the first $50,000 a year), 1x everything else; 3 extra points per $1 on hotels and car rentals booked through Scene+ Travel$60,000 - $80,000 or more personal, $100,000 - $150,000 or more household, or $250,000 - $300,000 or more in assets under management
ScotiaGold Passport Visa Card
Also: points
ScotiabankVisa$110/year––
TD First Class Travel Visa Infinite Card
Also: points
TDVisa, Visa Infinite$139/year8x travel via Expedia For TD, 6x groceries/dining/public transit (first $25,000/yr each), 4x recurring bills/streaming/digital media (first $25,000/yr), 2x everything else$60,000 personal or $100,000 household
TD Platinum Travel Visa Card
Also: points
TDVisa, Visa Platinum$89/year6x travel via Expedia For TD, 4.5x groceries/dining/public transit (first $15,000/yr each), 3x recurring bills/streaming/digital media (first $15,000/yr), 1.5x everything elseNone stated; Canadian resident of the age of majority
TD Rewards Visa Card
Also: points, no annual fee
TDVisa$04x travel via Expedia For TD, 3x groceries/dining/public transit (first $5,000/yr each), 2x recurring bills/streaming/digital media (first $5,000/yr), 1x everything elseNone stated; Canadian resident of the age of majority

Airline cards

CardProviderNetwork (and tier, where the provider names one)Annual feeRewardsIncome requirement
American Express Aeroplan CardAmerican ExpressAmerican Express$120/year
$150/year from January 12, 2027
2x Air Canada/Air Canada Vacations, 1.5x dining & food delivery in Canada, 1.5x participating Hyatt (until July 15, 2029 unless extended), 1x everything else–
BMO VIPorter MastercardBMOMastercard$89/year2x VIPorter points on Porter purchases (first $10,000 a year), 1x gas/transportation (first $3,000 a year), dining/grocery (first $5,000 a year) and hotels (first $3,000 a year), 0.5x everything else–
BMO VIPorter World Elite MastercardBMOMastercard, World Elite$199/year3x VIPorter points on Porter purchases (first $20,000 a year), 2x gas/transportation (first $5,000 a year), dining/grocery (first $10,000 a year) and hotels (first $5,000 a year), 1x everything else$80,000 personal or $150,000 household
BMO VIPorter World MastercardBMOMastercard, World$89/year2x VIPorter points on Porter purchases (first $10,000 a year), 1x gas/transportation (first $3,000 a year), dining/grocery (first $5,000 a year) and hotels (first $3,000 a year), 0.5x everything else$50,000 personal or $80,000 household
CIBC Aeroplan Visa Card
Also: no annual fee
CIBCVisa$01x gas/EV charging/groceries and direct Air Canada/Air Canada Vacations purchases (bonus rate on the first $40,000 in net annual purchases), 1 point per $1.50 on everything else$15,000 household
CIBC Aeroplan Visa Infinite CardCIBCVisa, Visa Infinite$139/year
$159/year and $80 for each additional card, both from January 12, 2027
1.5x gas/EV charging/groceries and direct Air Canada/Air Canada Vacations purchases (on the first $80,000 in net annual purchases), 1.5x participating Hyatt hotels and resorts, 1x everything else$60,000 personal or $100,000 household
RBC British Airways Visa InfiniteRBC Royal BankVisa, Visa Infinite$165/year3 Avios/$1 British Airways, 2 Avios/$1 dining and food delivery, 1 Avios/$1 everything else$60,000 personal or $100,000 household
WestJet RBC MastercardRBC Royal BankMastercard$39/year1.5 WestJet points per $1 on WestJet flights, WestJet Vacations and Sunwing Vacations, and on restaurants, food delivery, digital subscriptions, streaming and digital games; 1 point per $1 everywhere else–
WestJet RBC World Elite MastercardRBC Royal BankMastercard, World Elite$139/year2 WestJet points per $1 on WestJet flights, WestJet and Sunwing Vacations, grocery stores (not Costco or Walmart) and transportation, 1.5 points per $1 on other everyday purchases$80,000 personal or $150,000 household
TD Aeroplan Visa Infinite CardTDVisa, Visa Infinite$139/year1.5x gas/EV charging/groceries/direct Air Canada purchases (first $80,000/yr), 1x everything else; 1.5x participating Hyatt hotels and resorts for primary cardholders until July 15, 2029 (on up to $80,000 of eligible spend a year)$60,000 personal or $100,000 household
TD Aeroplan Visa Platinum CardTDVisa, Visa Platinum$89/year1 pt/$1 gas/EV charging/groceries/direct Air Canada purchases (first $80,000/yr), 1 pt/$1.50 everything elseNone stated; Canadian resident of the age of majority

Hotel cards

CardProviderNetwork (and tier, where the provider names one)Annual feeRewardsIncome requirement
Marriott Bonvoy American Express CardAmerican ExpressAmerican Express$120/year5x at participating Marriott Bonvoy hotels, 2x everything else–

Premium cards

Cards with an annual fee of $399 or more, other than business cards.

CardProviderNetwork (and tier, where the provider names one)Annual feeRewardsIncome requirement
American Express Aeroplan Reserve Card
Also: airline
American ExpressAmerican Express$599/year
$799/year from January 12, 2027
3x Air Canada/Air Canada Vacations, 2x dining & food delivery in Canada, 2x participating Hyatt (until July 15, 2029 unless extended), 1.25x everything else–
American Express Platinum Card
Also: points, travel
American ExpressAmerican Express, Platinum$799/year2x points on dining and food delivery in Canada, 2x on travel, plus 1 extra point on eligible hotel or car rental bookings through Amex Travel Online, 1x everything else–
BMO eclipse Visa Infinite Privilege Card
Also: points
BMOVisa, Visa Infinite Privilege$599/year5x BMO Rewards points on dining and travel (first $25,000 a year each), groceries (first $20,000), gas and drugstores (first $15,000 each), 1x everything else$150,000 personal or $200,000 household
CIBC Aeroplan Visa Infinite Privilege Card
Also: airline
CIBCVisa, Visa Infinite Privilege$599/year
$699/year and $159 for each additional card, both from January 12, 2027
2x direct Air Canada/Air Canada Vacations, 1.5x gas/EV charging/groceries/travel/dining (bonus rates on the first $100,000 in net annual purchases), 2x participating Hyatt hotels and resorts, 1.25x everything else$150,000 personal or $200,000 household
CIBC Aventura Visa Infinite Privilege Card
Also: points, travel
CIBCVisa, Visa Infinite Privilege$499/year3x eligible travel via CIBC Rewards Centre, 2x dining/entertainment/transportation/gas/EV charging/groceries (on the first $200,000 in net annual purchases), 1.25x everything else$150,000 personal or $200,000 household
RBC Avion Visa Infinite Privilege
Also: points, travel
RBC Royal BankVisa, Visa Infinite Privilege$399/yearFlat 1.25x Avion points on all qualifying purchases$200,000 personal or $200,000 household
Rogers Red World Legend Mastercard
Also: cash back
Rogers BankMastercard, World Legend$495/year2% on all eligible purchases with an eligible Rogers service (1.5% without)$150,000 personal or $200,000 household
Scotiabank Passport Visa Infinite Privilege Card
Also: points, travel
ScotiabankVisa, Visa Infinite Privilege$599/year3x Scene+ on eligible travel, 2x dining and entertainment, 1x everything else; an extra 3 points per $1 on hotels and car rentals booked through Scene+ Travel$150,000 personal, $200,000 household, or $400,000 in assets under management
Scotiabank Platinum American Express Card
Also: points
ScotiabankAmerican Express, Platinum$399/year2x Scene+ on all eligible purchases; an extra 3 points per $1 on hotels and car rentals booked through Scene+ Travel$12,000 personal
TD Aeroplan Visa Infinite Privilege Card
Also: airline
TDVisa, Visa Infinite Privilege$599/year2x direct Air Canada/AC Vacations purchases, 1.5x gas/EV charging/groceries/travel & transit/dining (these bonus rates share one $100,000/yr cap), 1.25x everything else; 2x participating Hyatt hotels and resorts for primary cardholders until July 15, 2029 (separate $100,000/yr cap)$150,000 personal or $200,000 household

Low-interest cards

CardProviderNetwork (and tier, where the provider names one)Annual feeRewardsIncome requirement
American Express Essential Credit CardAmerican ExpressAmerican Express$25/yearNo earn rate listed; 12.99% interest rate–
BMO Preferred Rate MastercardBMOMastercard$29/yearNo rewards program; low interest rate card (13.99% purchase APR)–
CIBC Select Visa CardCIBCVisa$29/year–$15,000 household
Desjardins Flexi Visa
Also: no annual fee
DesjardinsVisa$0No rewards program listed; low-interest card (10.9% purchase rate)–
MBNA True Line Gold MastercardMBNAMastercard$39/yearNo rewards program; low-interest card (10.99% purchase rate)None stated; Canadian resident of the age of majority
MBNA True Line Mastercard
Also: no annual fee
MBNAMastercard$0–None stated; Canadian resident of the age of majority
National Bank Syncro MastercardNational Bank of CanadaMastercard$35/year–None (no minimum annual income required)
RBC RateAdvantage VisaRBC Royal BankVisa–––
RBC Visa Classic Low Rate OptionRBC Royal BankVisa, Visa Classic$20/yearLow-interest card; fixed 12.99% purchase rate–
Scotiabank Value Visa CardScotiabankVisa$29/yearNo rewards program; low interest rate card (13.99% purchase APR)–
TD Emerald Flex Rate Visa CardTDVisa$25/yearLow-interest card; variable rate (TD Prime + 4.50% to 12.75%)–
TD Low Rate Visa CardTDVisa$25/yearLow-interest card; 12.90% purchase and cash advance interest rateNone stated; Canadian resident of the age of majority

Other cards with no annual fee

Cards with no annual fee that aren't in another group; no-fee cards that earn cash back or points are in those groups.

CardProviderNetwork (and tier, where the provider names one)Annual feeRewardsIncome requirement
Capital One Guaranteed MastercardCapital One CanadaMastercard$0No rewards program; build-credit cardNone stated
CIBC Classic Visa CardCIBCVisa, Classic$0No rewards program$15,000 household
National Bank MC1 MastercardNational Bank of CanadaMastercard$0–None (no minimum annual income required)
RBC Visa PlatinumRBC Royal BankVisa, Visa Platinum$03x Canadian Tire Money at Triangle partner stores when linked; no other earn rate listed–

Student cards

CardProviderNetwork (and tier, where the provider names one)Annual feeRewardsIncome requirement
BMO CashBack Mastercard for Students
Also: cash back, no annual fee
BMOMastercard$03% at grocery stores and supermarkets, not convenience stores, bakeries, butchers or other specialty shops (first $500 spent each statement period), 1% on recurring bill payments that earn the bonus (first $500 spent each statement period; BMO says not every recurring bill payment earns it), 0.5% everything elseAnnual income from employment, scholarship/grant, student loan or family allowance
CIBC Adapta Mastercard for Students
Also: points, no annual fee
CIBCMastercard$01.5x in your top 3 spend categories each month, 2x eligible travel via CIBC by Expedia, 1x everything elseNone (no minimum income requirement)
CIBC Aeroplan Visa Card for Students
Also: airline, no annual fee
CIBCVisa$01x gas/EV charging/groceries and direct Air Canada/Air Canada Vacations purchases, 1 point per $1.50 on everything elseNone (no minimum income requirement)
CIBC Aventura Visa Card for Students
Also: points, travel, no annual fee
CIBCVisa$01 point per $1 at eligible gas stations, EV charging stations, grocery stores and drug stores and on eligible travel through the CIBC Rewards Centre (CIBC by Expedia), 1 point per $2 on other purchasesNone (no minimum income requirement)
CIBC Classic Visa Card for Students
Also: no annual fee
CIBCVisa, Classic$0No rewards programNone (no minimum income requirement)
CIBC Dividend Visa Card for Students
Also: cash back, no annual fee
CIBCVisa$02% groceries, 1% gas/EV charging/transportation/dining/recurring payments/CIBC by Expedia travel, 0.5% everything else (the 2% and 1% rates, except Expedia travel, apply until $30,000 in total net annual purchases or $20,000 in these categories, whichever comes first)None (no minimum income requirement)
Scotia Momentum No-Fee Visa Card for Students
Also: cash back, no annual fee
ScotiabankVisa$01% groceries/gas/EV charging/transit/rideshare/food delivery/drugstores/recurring bills (first $15,000 a year), 0.5% everything else–
Scotia Momentum Visa Card for Students
Also: cash back
ScotiabankVisa$49/year2% groceries/gas/EV charging/transit/rideshare/food delivery/drugstores/recurring bills (up to an annual spend limit of $25,000), 1% everything else–
Scotiabank American Express Card for Students
Also: points, no annual fee
ScotiabankAmerican Express$03x Scene+ at Sobeys/IGA/Safeway/Foodland/FreshCo and other listed grocers, 2x other grocery/dining/entertainment/gas/daily transit/select streaming (first $50,000 a year), 1x everything else–
Scotiabank Scene+ Visa Card for Students
Also: points, no annual fee
ScotiabankVisa$02x Scene+ at Sobeys/Safeway/IGA/Foodland/FreshCo and other listed grocers, Home Hardware and Cineplex, 1x everything else–
Scotiabank Value Visa Card for Students
Also: low interest
ScotiabankVisa$29/yearNo rewards program; low interest rate card (13.99% purchase APR)–

Secured cards

CardProviderNetwork (and tier, where the provider names one)Annual feeRewardsIncome requirement
Capital One Guaranteed Secured Mastercard
Also: no annual fee
Capital One CanadaMastercard$0No rewards program; secured card, security funds requiredNone stated
Home Trust Secured VisaHome TrustVisa$0 (or $59/yr for a reduced rate)No rewards program listed–
Secured Neo Mastercard
Also: cash back
Neo FinancialMastercard$0 card fee + $9.99/mo Build membershipUp to 15% cash back at Neo partners (offers vary, no base rate)No minimum income

Prepaid cards

CardProviderNetwork (and tier, where the provider names one)Annual feeRewardsIncome requirement
KOHO Core plan prepaid Mastercard
Also: cash back, no annual fee
KOHOMastercard$0/mo1% on groceries, transportation, and eating & drinkingNone stated (prepaid card, no credit check listed)
KOHO Everything plan prepaid Mastercard
Also: cash back
KOHOMastercard$14.75/mo on a yearly plan ($22/mo otherwise)2% on groceries, transportation, and eating & drinking; 0.5% on everything elseNone stated (prepaid card, no credit check listed)
KOHO Extra plan prepaid Mastercard
Also: cash back
KOHOMastercard$12/mo on a yearly plan ($18/mo otherwise)1.5% on groceries, transportation, and eating & drinking; 0.25% on everything elseNone stated (prepaid card, no credit check listed)
Wealthsimple Visa Platinum prepaid card
Also: no annual fee
WealthsimpleVisa, Platinum$0Prepaid card with no rewards program listed; no card fee, FX fee or ATM feeNo income requirement

Store and retailer cards

CardProviderNetwork (and tier, where the provider names one)Annual feeRewardsIncome requirement
Triangle World Elite Mastercard
Also: no annual fee
Canadian Tire Bank––––
CIBC Costco Mastercard
Also: cash back, no annual fee
CIBCMastercard$03% restaurants and Costco gas, 2% other gas/EV charging and Costco.ca, 1% everything else including at Costco (gas rates on the first $5,000 a year in the gas category, Costco.ca on the first $8,000 a year, then 1%)$15,000 annual income
Walmart Rewards Mastercard
Also: no annual fee
Fairstone Bank of CanadaMastercard$03% Walmart Reward Dollars at Walmart and Walmart.ca (1% on Accès pharma chez Walmart purchases in Quebec and on Klarna purchases), 1% everywhere else–
Walmart Rewards World Mastercard
Also: no annual fee
Fairstone Bank of CanadaMastercard, World$03% Walmart Reward Dollars at Walmart and Walmart.ca (1% on Accès pharma chez Walmart purchases in Quebec and on Klarna purchases), 1% everywhere elseEligibility for a premium card may be based on personal and/or household income with credit history and other financial information
Amazon.ca Rewards Mastercard
Also: points, no annual fee
MBNAMastercard$02.5% back at Amazon.ca and Whole Foods Market for eligible Prime members (1.5% without Prime), 1% on other eligible purchases (eligible Prime members: 2.5% on foreign currency transactions)None stated; Canadian resident of the age of majority
PC Insiders World Elite Mastercard
Also: points
PC Financial––––
PC Mastercard (no annual fee)
Also: points, no annual fee
PC Financial––––
PC World Elite Mastercard
Also: points, no annual fee
PC Financial––––
PC World Mastercard
Also: points, no annual fee
PC Financial––––

U.S. dollar cards

CardProviderNetwork (and tier, where the provider names one)Annual feeRewardsIncome requirement
BMO U.S. Dollar MastercardBMOMastercardUS$49/year––
Scotiabank U.S. Dollar Visa CardScotiabankVisaUS$35/year––
TD U.S. Dollar Visa CardTDVisa$39 USD/year–None stated; Canadian resident of the age of majority

Business cards

CardProviderNetwork (and tier, where the provider names one)Annual feeRewardsIncome requirement
American Express Aeroplan Business Reserve Card
Also: airline, premium
American ExpressAmerican Express$599/year
$799/year from January 12, 2027
3x Air Canada/Air Canada Vacations, 2.5x Hyatt, 2x hotel and car rentals, 1.25x everything else–
American Express Business Gold Rewards Card
Also: points
American ExpressAmerican Express$199/year1x on everything (no bonus categories)None stated; Canadian resident with a Canadian credit file, age of majority
American Express Business Platinum Card
Also: points, premium
American ExpressAmerican Express$799/year1.25x on everything (no travel-specific bonus)None stated; Canadian resident with a Canadian credit file, age of majority
Marriott Bonvoy Business American Express Card
Also: hotel
American ExpressAmerican Express$150/year5x at participating Marriott Bonvoy hotels, 3x gas/dining/travel, 2x everything elseNone stated; Canadian resident with a Canadian credit file, age of majority
BMO Ascend Business Mastercard
Also: points, no annual fee
BMOMastercard$02x BMO Rewards points on gas, office supplies and cellphone/internet bills, 1x everything else–
BMO Ascend World Elite Business Mastercard
Also: points, travel
BMOMastercard, World Elite$175/year4 points per $1 on office supplies, cellphone and internet bills and gas, 1.5 points per $1 on all other purchasesMinimum of $80,000 (personal) or $150,000 (household) or $250,000 (business revenue) or $400,000 (Assets Under Management).
BMO Blue Rewards Business Mastercard
Also: points, no annual fee
BMOMastercard$010 Blue Points per $1 at partners and on Blue Rewards Travel, 2 on gas/EV charging, 1 on everything else–
BMO Blue Rewards World Elite Business Mastercard
Also: points
BMOMastercard, World Elite$175/year12.5 Blue Points per $1 at partners and on Blue Rewards Travel, 2.5 on gas/EV charging, 1.25 on everything elseMinimum of $80,000 (personal) or $150,000 (household) or $250,000 (business revenue) or $400,000 (Assets Under Management).
BMO CashBack Business Mastercard
Also: cash back, no annual fee
BMOMastercard$01.5% on gas, office supplies and cellphone/internet bills, 0.75% everything elseNone; BMO says there is no minimum income requirement
CIBC Aeroplan Visa Business Card
Also: airline
CIBCVisa$180/year
$200/year and $55 for each additional card, both from January 12, 2027
2x direct Air Canada/Air Canada Vacations, 1.5x internet/cable/travel/dining and more$35,000 individual minimum annual income
CIBC Aeroplan Visa Business Plus Card
Also: airline
CIBCVisa$139/year2x direct Air Canada/Air Canada Vacations, 1.5x internet/cable/travel/dining and more–
CIBC Aventura Visa Card for Business
Also: points, travel
CIBCVisa$139/year, or $180/year with lower interest rates2x eligible travel via CIBC Rewards Centre, 1.5x gas/EV charging/flights/hotels/other travel$35,000 individual minimum annual income
CIBC Aventura Visa Card for Business Plus
Also: points, travel
CIBCVisa$139/year2x eligible travel via CIBC Rewards Centre, 1.5x gas/EV charging/travel–
CIBC bizline Visa Card
Also: no annual fee
CIBCVisa$0Low-interest card: purchase interest as low as CIBC Prime + 2.5%$15,000 individual minimum annual income
CIBC Corporate Classic Plus Visa CardCIBCVisa$20/year per cardBusiness card with a purchase interest rate of 20.99%–
CIBC Costco Business Mastercard
Also: cash back, no annual fee, store
CIBCMastercard$03% Costco gas and restaurants, 2% Costcobusinesscentre.ca, Costco.ca, shipping, insurance services, other gas and EV charging, 1% all other purchases$15,000 individual minimum annual income
National Bank Business Line MastercardNational Bank of CanadaMastercard$50/year––
National Bank Business Mastercard
Also: no annual fee
National Bank of CanadaMastercard$0––
National Bank Corporate MastercardNational Bank of CanadaMastercard$35/year––
National Bank Platinum Business Mastercard
Also: points
National Bank of CanadaMastercard, Platinum$125/year1.5x points on every purchase (no purchase limit)–
RBC Avion Visa Business
Also: points, travel
RBC Royal BankVisa$120/year1x Avion points on net purchases–
RBC Avion Visa Infinite Business
Also: points, travel
RBC Royal BankVisa, Visa Infinite$175/year1.25x Avion points on net purchases (up to $75,000/yr)You must declare one of: personal income of $60,000, household income of $100,000, business sales revenue of $500,000, assets under management of $250,000 or more, or a current annual credit card spend of $30,000 or more
RBC Business Cash Back Mastercard
Also: cash back, no annual fee
RBC Royal BankMastercard$01% cash back on purchases (after the first three months), up to $650 a year–
RBC Visa BusinessRBC Royal BankVisa$12/year3x Canadian Tire Money at Triangle partner stores when linked; no other earn rate listed–
WestJet RBC World Elite Mastercard for Business
Also: airline
RBC Royal BankMastercard, World Elite$175/yearup to 6 WestJet points per $1 on WestJet flights, 3 on WestJet and Sunwing Vacations and on telecom, shipping and electronics, 1.5 on other purchasesYou must meet one of: individual income of $80,000 or household income of $150,000, business revenue of $250,000, a minimum spend of $25,000 on purchases eligible for payment by credit card, or assets under management of $400,000
Scotia Momentum for Business No Fee Visa Card
Also: cash back, no annual fee
ScotiabankVisa$01% cash back on all eligible purchases–
Scotia Momentum for Business Visa Card
Also: cash back
ScotiabankVisa$79/year3% gas/EV charging/restaurants/office supply stores/recurring bills, 2% shipping and accounting or bookkeeping (3% and 2% rates on up to $40,000 in combined annual spend), 1% everything else–
Scotiabank Passport Visa Infinite Business Card
Also: points, travel
ScotiabankVisa, Visa Infinite$199/year1.5x Scene+ points per $1 on eligible business purchasesYou have a minimum business annual sales revenue of CAD $500,000, or at least $60,000 in personal annual income, or you spend at least $30,000 annually on your credit card, or at least $100,000 in annual household income, or at least $250,000 in assets under management
TD Aeroplan Visa Business Card
Also: airline
TDVisa$149/year2x direct Air Canada purchases, 1.5x travel/transit/dining/EV charging/select business categories, 1x everything elseNone stated; Canadian resident of the age of majority
TD Business Cash Back Visa Card
Also: cash back, no annual fee
TDVisa$02% gas/EV charging, public transit and office supplies (each on the first $15,000 a year), 2% recurring bills and streaming/digital media (on the first $15,000 a year), 0.5% everything elseNone stated; Canadian resident of the age of majority
TD Business Select Rate Visa Card
Also: low interest, no annual fee
TDVisa$0Low-interest business card; 11.99% with no fee, or 8.99% with a $49 annual feeNone stated; Canadian resident of the age of majority
TD Business Travel Visa Card
Also: points, travel
TDVisa$149/year9x travel via ExpediaForTD.com, 6x dining, EV charging, public transit, streaming, recurring bills and foreign currency (each on the first $80,000 a year), 2x everything elseNone stated; Canadian resident of the age of majority

A dash means this table shows no figure for that card. Welcome offers, first-year fee waivers and fee rebates tied to a bank account, banking package, profession or another card are not included.

How welcome offers work is on welcome offers. Foreign transaction fees and other charges are on credit card fees, interest is on how credit card interest works, and a method for comparing cards on your own spending is on choosing a card.

The Financial Consumer Agency of Canada (FCAC) runs its own Credit Card Comparison Tool, which it describes this way: Compare credit card interest rates, annual fees, rewards and other features.

Card providers

Each row is a provider with cards in the table above: how many of its cards the table holds, the kinds of card they are, its page on this site where there is one, and its own page for its cards. Rows are in alphabetical order.

ProviderCards in the tableKinds of card in the tableOn this siteProvider's card page
American Express14cash back, points, travel, airline, hotel, premium, low interest, businessLineup hereCards page
BMO19cash back, points, travel, airline, premium, low interest, student, U.S. dollar, businessLineup hereCards page
Brim Financial2points–Cards page
Canadian Tire Bank1store–Cards page
Capital One Canada5cash back, points, no annual fee, secured–Cards page
CIBC27cash back, points, travel, airline, premium, low interest, no annual fee, student, store, businessLineup hereCards page
Desjardins8cash back, points, low interest–Cards page
Fairstone Bank of Canada2store–Cards page
Home Trust2cash back, secured–Cards page
KOHO3prepaid–Cards page
MBNA5points, low interest, store–Cards page
National Bank of Canada12cash back, points, low interest, no annual fee, business–Cards page
Neo Financial3cash back, secured–Cards page
RBC Royal Bank22cash back, points, travel, airline, premium, low interest, no annual fee, businessLineup hereCards page
Rogers Bank4cash back, premium–Cards page
Scotiabank21cash back, points, travel, premium, low interest, student, U.S. dollar, business–Cards page
Simplii Financial1cash back–Cards page
Tangerine2cash back–Cards page
TD15cash back, travel, airline, premium, low interest, U.S. dollar, businessLineup hereCards page
Wealthsimple2cash back, prepaid–Cards page

A dash means the table gives no link for that provider.

Looking for your provider’s sign-in page?

For a provider not listed here, start from its card page in the table above.

More in the credit cards section

Other sections: Banking, Debt, Personal finance, Investing, Taxes, Insurance.

Sources

The figures and rules on this page come from these sources, last checked against them between October 3, 2026 and October 27, 2026. How we check facts.