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.

Platinum Plus® MasterCard® credit card - 0% for 12

Apply Now at MBNA's
secure site
  • Simplify your finances while enjoying platinum services.
  • 0% promotional annual interest rate† (AIR) on balance transfers✪ for the first 12 full months
  • Access to 24/7 customer service
  • Around-the-clock-fraud protection
  • Immediate cash access at over 1 million ATMS worldwide
  • No annual fee
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Apply Now at MBNA's
secure site
Typical APR
See Terms
Balance Transfer APR
See Terms
Balance Transfer Fee
See Terms
Annual Fee
None
Credit Needed
Good Credit

Scotiabank Value® VISA Card

Apply Now at CA Scotiabank's
secure site
  • Low 11.99% interest rate
  • Interest free grace period of at least 21 days on purchases
  • Save hundreds of dollars a year
  • Pay down balances faster
  • Simplify your monthly payments
  • 20% AVIS rental card discount
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Apply Now at CA Scotiabank's
secure site
Typical APR
11.99%*
Balance Transfer APR
0.99% for 6 months*
Balance Transfer Fee
See Terms
Annual Fee
$29*
Credit Needed
Good Credit

The SimplyCash™ Card from American Express

Apply Now at American Express - Canada's
secure site
  • New SimplyCash™ Card from American Express
  • Earn 5% cash back on all eligible purchases at gas stations, grocery stores and restaurants in Canada (up to $250 cash back) for the first 6 months of Cardmembership1
  • Earn 1.25% cash back on all other purchases and when your Welcome Rate ends
  • No limit to the amount of cash back you can earn and No annual fee for Supplementary Cards
  • Enjoy a special 0% introductory interest rate on transferred balances in the first 6 months if you choose to transfer your other credit card balances to this American Express card at time of online application
  • A 1% balance transfer fee will be charged on the transaction amount and interest is payable on the amount of this fee at the applicable rate for purchase
  • American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information click the Apply now link.
  • Conditions apply
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Apply Now at American Express - Canada's
secure site
Typical APR
19.99% on purchases and 21.99% on funds advances*
Balance Transfer APR
N/A
Balance Transfer Fee
See Terms
Annual Fee
No annual fee
Credit Needed
Excellent Credit

Capital One® Aspire Cash™ Platinum MasterCard®

Apply Now at Capital One - Canada's
secure site
  • Earn cash rewards and pay no annual fee!
  • Earn 1% cash rewards on all purchases
  • No limit to the amount of cash you can earn
  • Annual interest rate of 19.8%
  • Valuable MasterCard benefits, plus Platinum benefits like Purchase Assurance and Extended Warranty
  • Add an authorized user for $0
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Apply Now at Capital One - Canada's
secure site
Typical APR
19.8%
Balance Transfer APR
19.8%
Balance Transfer Fee
See Terms
Annual Fee
$0*
Credit Needed
Average Credit

American Express Gold Rewards Card

Apply Now at American Express - Canada's
secure site
  • New American Express® Gold Rewards* Cardmembers can earn a Welcome Bonus of 25,000 Membership Rewards® points just by making $1,500 in purchases in the first three months of Cardmembership.
  • No Annual Fee for the first year; $150 Annual Fee thereafter*
  • That's enough to redeem for a round-trip Fixed Mileage Flight Reward TM* to almost anywhere in North America.
  • Earn 2 points for every $1 on eligible travel and everyday purchases. Transfer your points to frequent flyer programs, including Avios and Aeroplan®*
  • Charge any travel to your Card then pay for it with points. Your points can even cover taxes and fees!
  • * As a Charge Card, the balance must always be paid in full each month. 30% annual interest rate applies to balances not paid in full.
  • American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information click the Apply now link.
  • Conditions apply
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Apply Now at American Express - Canada's
secure site
Typical APR
30%*
Balance Transfer APR
N/A
Balance Transfer Fee
See Terms
Annual Fee
No Annual Fee for the first year; $150 Annual Fee thereafter*
Credit Needed
Excellent Credit

Blue Sky Credit Card

Apply Now at American Express - Canada's
secure site
  • New Blue Sky Credit Card Cardmembers, earn 10,000 Blue Sky Points after you charge $500 in purchases to your Card in your first three months of Cardmembership.
  • Earn 1.25 Blue Sky Points for every $1 in purchases charged to the Card
  • You can start redeeming with as little as 10,000 points towards any travel purchase charged to your Card
  • Enjoy the convenience of no blackout dates, no advance purchase requirements, no seat restrictions and no travel restrictions.
  • $100,000 Travel Accident Insurance
  • American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information click the Apply now link.
  • Conditions Apply.
Show More
Apply Now at American Express - Canada's
secure site
Typical APR
19.99% purchases
Balance Transfer APR
N/A
Balance Transfer Fee
See Terms
Annual Fee
$0
Credit Needed
Excellent Credit

Capital One® Aspire Travel™ Platinum MasterCard®

Apply Now at Capital One - Canada's
secure site
  • Earn reward miles — with no annual fee!
  • Earn 1 reward mile for every $1 spent - on all purchases
  • Get 10,000 bonus reward miles when you spend $500 on net purchases in the first 3 months after account opening — a value of $100 in travel
  • Annual interest rate of 19.8%
  • Redeem for travel, cash, or gift cards
  • Valuable MasterCard benefits, plus Platinum benefits like Purchase Assurance and Extended Warranty
  • Add an authorized user for $0
Show More
Apply Now at Capital One - Canada's
secure site
Typical APR
19.8%
Balance Transfer APR
19.8%
Balance Transfer Fee
See Terms
Annual Fee
$0*
Credit Needed
Average Credit

BMO® World Elite™ MasterCard®*

Apply Now at Bank of Montreal's
secure site
  • 20,000 welcome bonus points* - that's $200 in travel rewards.
  • Points you can use to cover all flight charges & taxes*
  • Fly on any airline, with no blackout dates*
  • 2% back for travel on all card purchases*
  • Best-in-class travel and medical insurance (unlimited trips per year)*
  • VIP airport lounge access (over $200 US/year value)*
  • BMO is not responsible for maintaining the content on this site. Please click on the Apply now link for the most up to date information
  • en Français
Show More
Apply Now at Bank of Montreal's
secure site
Typical APR
19.99% (Fixed)
Balance Transfer APR
22.99%
Balance Transfer Fee
19.99%
Annual Fee
$150
Credit Needed
Excellent Credit

BMO® CashBack® MasterCard®*

Apply Now at Bank of Montreal's
secure site
  • Limited time: Get up to $75 cash back rewards*
  • Earn 1% CashBack on ALL card purchases* without restrictions!*
  • No Annual fee*
  • Receive a discount on car rentals*
  • Extended Warranty*
  • Purchase Protection*
  • BMO is not responsible for maintaining the content on this site. Please click on the Apply now link for the most up to date information
  • en Français
Show More
Apply Now at Bank of Montreal's
secure site
Typical APR
19.99% (Fixed)
Balance Transfer APR
22.99%
Balance Transfer Fee
See Terms
Annual Fee
$0
Credit Needed
Good Credit

TD® Aeroplan® Visa Infinite Card

Apply Now at TD Canada Trust's
secure site
  • Receive a Welcome Bonus of 15,000 TD Points following your first Purchase with your Card
  • Earn 1.5 miles for every $1 spent on eligible gas, grocery, drugstore and aircanada.com Purchases made with your Card.
  • Earn 1 mile for every $1 you spend on all other Purchases on your Card.
  • Earn miles twice when you pay with your TD Aeroplan Visa Infinite Card and present your Aeroplan Membership Card at over 150 Aeroplan partner brands and with 100 online retailers
  • Your Aeroplan miles will not expire as long as you are a TD Aeroplan Credit Cardholder
  • Enjoy an extensive suite of travel insurances for peace of mind on your next getaway.
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Apply Now at TD Canada Trust's
secure site
Typical APR
Purchases APR: 19.99%*
Balance Transfer APR
N/A
Balance Transfer Fee
See Terms
Annual Fee
$120
Credit Needed
Excellent Credit

Capital One® Aspire Travel™ World Elite MasterCard®

Apply Now at Capital One - Canada's
secure site
  • Earn more reward miles — on everything you buy!
  • Earn 2 reward miles for every $1 — on all purchases
  • Get 40,000 bonus reward miles when you spend $1,000 on net purchases in the first 3 months after account opening — a value of $400 in travel
  • Redeem for travel, cash, and gift cards
  • World Elite MasterCard Travel benefits, including Travel Emergency Medical Insurance and Trip Cancellation Insurance
  • Add an authorized user for $0
Show More
Apply Now at Capital One - Canada's
secure site
Typical APR
19.8%
Balance Transfer APR
19.8%
Balance Transfer Fee
See Terms
Annual Fee
$150*
Credit Needed
Excellent Credit

Scotia Momentum® VISA Infinite Card

Apply Now at CA Scotiabank's
secure site
  • 4% on eligible gas station and grocery store purchases
  • 2% on drug store purchases and recurring bills
  • 1% cash back on all other eligible purchases
  • VISA Infinite Complimentary Concierge Service — available 24/7
  • Access to VISA Infinite Luxury Hotel Collection
  • VISA Infinite Dining Series— Unique dining experiences in some of Canada's top restaurants
  • Special access to unique offers and experiences
  • Rental car collision insurance
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Apply Now at CA Scotiabank's
secure site
Typical APR
19.99%*
Balance Transfer APR
22.99%*
Balance Transfer Fee
See Terms
Annual Fee
$99
Credit Needed
Excellent Credit

Capital One® Guaranteed MasterCard®

Apply Now at Capital One - Canada's
secure site
  • May help you strengthen your credit history
  • 24/7 customer service online or by phone
  • Security funds may be required
  • Valuable MasterCard benefits, including Zero Liability
  • Add an authorized user for $0
Show More
Apply Now at Capital One - Canada's
secure site
Typical APR
19.8%
Balance Transfer APR
19.8%
Balance Transfer Fee
See Terms
Annual Fee
$59
Credit Needed
Credit Needs Improvement

Capital One® Low Rate Guaranteed MasterCard®

Apply Now at Capital One - Canada's
secure site
  • Low annual interest rate of 14.9% on purchases and balance transfers
  • Annual interest rate for cash advances is 19.8%
  • May help you strengthen your credit history
  • Security funds may be required
  • Annual fee of $79
  • Valuable MasterCard benefits, including Zero Liability
  • Add an authorized user for $0
Show More
Apply Now at Capital One - Canada's
secure site
Typical APR
14.9%
Balance Transfer APR
14.9%
Balance Transfer Fee
See Terms
Annual Fee
$79
Credit Needed
Credit Needs Improvement

BMO® Preferred Rate MasterCard®*

Apply Now at Bank of Montreal's
secure site
  • Enjoy our lowest no-fee interest rate of 11.9+% on purchases and cash advances*
  • Free extended warranty and purchase protection*
  • Zero Dollar Liability: protects you from unauthorized use of your credit card*
  • Worldwide acceptance at over 30 million locations
  • BMO is not responsible for maintaining the content on this site. Please click on the Apply now link for the most up to date information
  • *Terms and conditions apply
  • en Français
Show More
Apply Now at Bank of Montreal's
secure site
Typical APR
11.90% (Variable)
Balance Transfer APR
11.9%
Balance Transfer Fee
See Terms
Annual Fee
$20
Credit Needed
Good Credit

BMO® U.S. Dollar MasterCard®*

Apply Now at Bank of Montreal's
secure site
  • The ideal way to travel and shop — or buy online — from U.S. retailers
  • Shop with no exchange rate surprises.
  • Fee Rebate offer: Spend just $1,000 USD in one year on your card, and the annual fee for the following year is on us*
  • Extended Warranty*
  • Purchase Protection*
  • BMO is not responsible for maintaining the content on this site. Please click on the Apply now link for the most up to date information
  • en Français
Show More
Apply Now at Bank of Montreal's
secure site
Typical APR
19.99% (Fixed)
Balance Transfer APR
22.99%*
Balance Transfer Fee
See Terms
Annual Fee
$35 USD/yr
Credit Needed
Good Credit

BMO SPC®** CashBack® MasterCard®*

Apply Now at Bank of Montreal's
secure site
  • Limited time: Get up to $60 Cash Back*
  • Earn 1% CashBack on all card purchases* without restrictions!*
  • No Annual fee*
  • Extended Warranty*
  • Purchase Protection*
  • SPC discounts (Student Price Card Ltd.) of 10% to 15% at hundreds of your favourite stores*
  • BMO is not responsible for maintaining the content on this site. Please click on the Apply now link for the most up to date information
  • en Français
Show More
Apply Now at Bank of Montreal's
secure site
Typical APR
19.99% (Fixed)
Balance Transfer APR
22.99%
Balance Transfer Fee
See Terms
Annual Fee
$0
Credit Needed
Good Credit
* See the online best canadian credit cards applications for details about terms and conditions of offer. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click the “Apply Now” button you can review the credit card terms and conditions on the issuer's website.