Best Canadian Credit Cards

The following is a list of the best Canadian credit cards from leading banks and financial institutions. Compare the following Canadian credit cards side by side in order to determine which is the best credit card for you. Then apply online for your choice of credit card by completing a secure application.

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Typical APR

Balance Transfer APR

Balance Transfer Fee

Annual Fee

Credit Needed

Guaranteed MasterCard®

Get the Capital One Guaranteed MasterCard, and enjoy all the conveniences of a credit card. With the Capital One Guaranteed MasterCard, you can buy merchandise online, rent a car, or just do your daily shopping, quickly and easily. And valuable Gold benefits like $0 fraud liability and Purchase Assurance provide the protection you expect from a MasterCard.

Guaranteed MasterCard® Details

19.8%*

N/A*

$59*

Bad Credit*

Smart Cash MasterCard® credit card

Feel secure with around-the-clock fraud protection

Smart Cash MasterCard® credit card Details

19.99%*

1%*

None*

Good Credit*

Platinum Plus® MasterCard® credit card - 0% for 10 months

0% introductory annual interest rate† (AIR) on balance transfers*, access cheques and deposits* for the first 10 full months

Platinum Plus® MasterCard® credit card - 0% for 10 months Details

17.99%*

0% for 10 months†

1%*

$0*

Good Credit*

TrueLine MasterCard® credit card - Fixed 9.99% AIR

TrueLine MasterCard® credit card - Fixed 9.99% AIR Details

9.99%*

Yes*

1%*

None*

Good Credit*

No-Fee American Express® AIR MILES®* Credit Card

Earn a Welcome Bonus of 150 AIR MILES® reward miles the first time you use the Card

No-Fee American Express® AIR MILES®* Credit Card Details

19.99%*

N/A*

$0*

Excellent Credit*

BMO AIR MILES MasterCard®*

Collect more anywhere with no annual fee at 30 million locations worldwide.

BMO AIR MILES MasterCard®* Details

19.50%*

N/A*

$0*

Good Credit*

CIBC Dividend Card®

Earn up to 1% cash back on net purchases you make with your card¹. Your rebates will be accumulated and the money saved will be credited to your card account, when the December statement is issued.

CIBC Dividend Card® Details

19.99%*

N/A*

No Annual Fee*

Good Credit*

American Express® Air Miles® Platinum Credit Card

Earn a Welcome Bonus of 500 AIR MILES® reward miles the first time you use the Card.

American Express® Air Miles® Platinum Credit Card Details

19.99%*

N/A*

First Year Free; $65 Annual Fee thereafter*

Excellent Credit*

CIBC Aerogold® Visa^TM Card

Receive 15,000 Bonus Aeroplan® Miles¹ with your first purchase – enough for one economy class short-haul flight at the ClassicFlight® reward² level.

CIBC Aerogold® Visa^TM Card Details

19.99%*

N/A*

$120.00*

Excellent Credit*

American Express® Gold Rewards Card

Earn 15,000 Bonus Membership Rewards® points when you spend $500 or more in the first 3 months

American Express® Gold Rewards Card Details

N/A*

No Annual Fee for the first year; $150 Annual Fee thereafter*

Excellent Credit* Credit*

SmartLine<sup>TM</sup> Platinum MasterCard

SmartLine^TM Platinum MasterCard

Enjoy a great low rate on purchases and balance transfers with no annual fee.

SmartLine^TM Platinum MasterCard Details

5.99% for 3 years*

N/A*

$0*

Excellent Credit*

Aspire™ Travel Platinum MasterCard®

Earn reward miles — with no annual fee!

Aspire™ Travel Platinum MasterCard® Details

Prime + 16.8%

Prime + 16.8%

N/A*

$0*

Good Credit*

CIBC Aero Classic Visa<sup>TM</sup> Card

CIBC Aero Classic Visa^TM Card

Earn valuable Aeroplan Miles on all your everyday card spending¹ Plus, you will receive a Welcome Bonus of 2,500 Aeroplan® Miles² when you use your card for the first time.

CIBC Aero Classic Visa^TM Card Details

19.99%*

N/A*

$29.00*

Good Credit*

CIBC Select Visa^TM Card

Enjoy our lowest interest rate card. The CIBC Select Visa Card would like to lower your interest rate to 11.99%¹ for a low annual fee of only $29.

CIBC Select Visa^TM Card Details

11.99%*

N/A*

$29.00*

Good Credit*

Aspire Cash™ Platinum MasterCard®

Earn cash rewards and pay no annual fee!

Aspire Cash™ Platinum MasterCard® Details

Prime + 16.8%

Prime + 16.8%

N/A*

$0*

Good Credit*

Low Rate Guaranteed MasterCard®

Get a low, long-term interest rate while you strengthen your credit history. Save money with a low, long-term rate on this Capital One® Guaranteed Low Rate MasterCard® - even if you've had credit troubles in the past.

Low Rate Guaranteed MasterCard® Details

14.9%*

N/A*

$79*

Average Credit* Credit*

Scotiabank Value® VISA Card

Scotiabank Value® VISA Card Details

11.99%*

0.99% for nine months*

1%* (N/A on intro offers)

$29*

Good Credit*

mbna rewards MasterCard credit card

1,000 Bonus mbna rewards after your first purchase††

mbna rewards MasterCard credit card Details

19.99%*

1%*

$0*

Good Credit*

BMO SPC CashBack MasterCard®*

Earn CashBack and get SPC Card discounts.

BMO SPC CashBack MasterCard®* Details

19.50%*

N/A*

$0*

Good Credit*

BMO U.S. Dollar MasterCard®*

Bypass fluctuating exchange rates.

BMO U.S. Dollar MasterCard®* Details

19.50%*

N/A*

$25 USD/yr

Good Credit*

Aspire Cash™ World MasterCard®

Earn 50% extra cash rewards every year and pay no annual fee!

Aspire Cash™ World MasterCard® Details

Prime + 16.8%

Prime + 16.8%

N/A*

$0*

Good Credit*

Choice Privileges® MasterCard® Credit Card

2 points for every $1 net retail spent on qualifying everyday purchases†.

Choice Privileges® MasterCard® Credit Card Details

16.99%*

1.99% for 6 months*

1%*

$0*

Good Credit*

No-Fee Scotiabank Value® VISA Card

No-Fee Scotiabank Value® VISA Card Details

16.99%*

1.99% for 6 months*

1%* (N/A on intro offers)

$0*

Good Credit*

* Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the " Apply Here " button you can review the credit card terms and conditions on the issuer's web site.