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.

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
Good 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
Show More
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

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
Very Good

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 Cardmembership
  • 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 1.99% rate on transferred balances in the first 6 months when transferring your other card balances to this AMEX card at time of online application. There is no transfer fee at time of application.
  • Access to memorable experiences with American Express Invites®
  • 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% on purchases and 21.99% on funds advances*
Balance Transfer APR
1.99%
Balance Transfer Fee
See Terms
Annual Fee
No annual fee
Credit Needed
Excellent Credit

BMO® CashBack® MasterCard®*

Apply Now at Bank of Montreal's
secure site
  • Welcome Offer: Get 4% cash back on every purchase (up to $125 cash back) in your first 4 months*.
  • Get 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
None
Credit Needed
Good 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
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
Good Credit

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

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
Show More
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 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 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

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

SimplyCash™ Preferred Card from American Express

Apply Now at American Express - Canada's
secure site
  • New SimplyCash™ Preferred Card from American Express Cardmembers can earn 5% cash back on all eligible for the first 6 months of Cardmembership (up to $300 cash back)
  • Earn 2.0% cash back when your Welcome Rate ends
  • No limit to the amount of cash back you can earn
  • Enjoy a special 1.99% intro rate on transferred balances in the first 6 months when transferring your other card balances to this AMEX card at time of online application. There is no transfer fee at time of application
  • Access to memorable experiences with American Express Invites®
  • Extensive insurance coverage and 24/7 Customer Service
  • 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% on purchases and 21.99% on funds advances*
Balance Transfer APR
N/A
Balance Transfer Fee
See Terms
Annual Fee
$99*
Credit Needed
Excellent Credit

Scotia Momentum® VISA Infinite Card

Apply Now at 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
Show More
Apply Now at 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® 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

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
  • If you're approved for a Secured card, security funds will be required
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
Building 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
None

BMO® World Elite™ MasterCard®*

Apply Now at Bank of Montreal's
secure site
  • Get 20,000 welcome bonus points* worth $200 in travel rewards.
  • Points you can use to cover all flight charges & taxes*
  • Fly on any airline, with no blackout dates*
  • Earn 2 BMO Reward points for every $1 you send on the card - that's 2% back on travel!*
  • 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

Capital One® Low Rate Guaranteed MasterCard®

Apply Now at Capital One - Canada's
secure site
  • Annual interest rate for cash advances is 19.8%
  • Low annual interest rate of 14.9% on purchases and balance transfers
  • May help you strengthen your credit history
  • If you're approved for a Secured card, security funds will be required
  • Annual fee of $79
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
Building Credit

The Platinum Card

Apply Now at American Express - Canada's
secure site
  • New Platinum Card Cardmembers, earn 50,000 Bonus Membership Rewards® points by spending $3,000 in purchases in the first three months of Cardmembership.
  • Platinum members are automatically enrolled in the Membership Rewards First™ Tier and earn 1.25 points for every dollar in purchases charged to the Card
  • The Platinum Card gives you access to exceptional lounge benefits such as the Canadian Platinum Lounge Benefit, Airport Club Program and other Business Class lounges.
  • You will also have access to elevated status with many Hotel & Car Rental loyalty programs, and a $200 Annual Travel Credit for Travel Bookings through Platinum Card Travel Service
  • 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
  • *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.
  • Conditions apply
Show More
Apply Now at American Express - Canada's
secure site
Typical APR
30%*
Balance Transfer APR
N/A
Balance Transfer Fee
See Terms
Annual Fee
$699 Annual Fee*
Credit Needed
Excellent 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.