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Best Credit Cards in Canada
Last Updated: June 19, 2013 02:31:14
Scotia Momentum® No-Fee VISA card
1% cash back on eligible purchases, a 7.99% intro purchase rate, and no annual fee.
Interest Rate
Balance Transfer
Annual Fee
Cash Advance
7.99%
*19.99% after 6 months
21.99%
$0.00
21.99%
Good
1.00%
*maximum
Smart Cash MasterCard® Credit Card
Up to 5% cash back on all of your eligible gas and grocery purchases for the first 6 months‡
Interest Rate
Balance Transfer
Annual Fee
Cash Advance
19.99%
1.99%
*21.99% after 10 months
$0.00
24.99%
Good
5.00%
*Up to for the first 6 mos, up to 2% afterwards.
FREE $25 Gift Card
SCENE® VISA Card
Get 4,000 bonus SCENE points -- that's 4 FREE movies, with your first SCENE VISA credit card purchase
Interest Rate
Balance Transfer
Annual Fee
Cash Advance
19.99%
21.99%
$0.00
21.99%
Good
5.00%
*1.3% on all other purchases
The TrueEarnings® Card from Costco and American Express
You can earn a $10 Statement Credit with the TrueEarnings Card. Apply by June 23 2013.
Interest Rate
Balance Transfer
Annual Fee
Cash Advance
2.99%
*19.75% after 6 months
-
$0.00
21.99%
Good
3.00%
*maximum
More Rewards MasterCard credit card
25,000 Bonus points†† with the More Rewards credit card
Interest Rate
Balance Transfer
Annual Fee
Cash Advance
19.99%
1.99%
*19.99% after 6 months
$0.00
19.99%
Unknown
2.26%
*maximum
Sony Card MasterCard® credit card
Receive 10,000 BONUS Sony Points ($100.00 value) after your first eligible purchase††
Interest Rate
Balance Transfer
Annual Fee
Cash Advance
1.99%
*19.99% after 10 months
1.99%
*19.99% after 10 months
$0.00
19.99%
Good
2.00%
*maximum
RBC® Cash Back MasterCard‡
For no annual fee receive 2% on grocery store purchases and up to 1% on all other purchases*.
Interest Rate
Balance Transfer
Annual Fee
Cash Advance
19.99%
1.90%
*21.99% after 10 months
$0.00
1.90%
*21.99% after 10 months
Good
2.00%
*maximum
TD Drivers Rewards Visa
Earn up to 2% in TD Drivers Rewards Points on every Purchase charged to the Card
Interest Rate
Balance Transfer
Annual Fee
Cash Advance
19.99%
21.50%
$0.00
21.50%
Good
2.00%
*maximum
Capital One Aspire Cash™ World MasterCard®
Earn 50% extra cash rewards every year and pay no annual fee!
Interest Rate
Balance Transfer
Annual Fee
Cash Advance
16.80%
*+ Prime
16.80%
*+ Prime
$0.00
16.80%
*+ Prime
Excellent
1.50%
*maximum
Shell®†† CashBack MasterCard®* from BMO®
1.5¢ CashBack at Shell
Interest Rate
Balance Transfer
Annual Fee
Cash Advance
19.90%
19.90%
$0.00
19.90%
Good
1.50%
*maximum
Canadian Tire Cash Advantage® Mastercard®
Earn up to 1.5% cash back everywhere you shop.
Interest Rate
Balance Transfer
Annual Fee
Cash Advance
19.99%
19.99%
$0.00
21.99%
Good
1.50%
*maximum
Canadian Tire Options® MasterCard®
The BEST way to earn the most Canadian Tire Money.
Interest Rate
Balance Transfer
Annual Fee
Cash Advance
19.99%
19.99%
$0.00
21.99%
Good
1.36%
*maximum
Capital One Aspire Travel™ Platinum MasterCard®
Earn reward miles - with no annual fee!
Interest Rate
Balance Transfer
Annual Fee
Cash Advance
16.80%
*+ Prime
16.80%
*+ Prime
$0.00
16.80%
*+ Prime
Good
1.25%
*maximum
Capital One Aspire Cash™ Platinum MasterCard®
Earn cash rewards and pay no annual fee!
Interest Rate
Balance Transfer
Annual Fee
Cash Advance
16.80%
*+ Prime
16.80%
*+ Prime
$0.00
16.80%
*+ Prime
Good
1.25%
*maximum
Walmart MasterCard®
Earn 1.25% of your Walmart purchases in Walmart Rewards.
Interest Rate
Balance Transfer
Annual Fee
Cash Advance
19.89%
21.49%
$0.00
21.49%
Good
1.25%
*maximum
Last Minute Club MasterCard® Credit Card
Apply today, if approved, you'll receive a free classic membership for The Last Minute Club¹. Also earn points towards free travel by simply using your card‡
Interest Rate
Balance Transfer
Annual Fee
Cash Advance
1.99%
*19.99% after 10 months
19.99%
$0.00
19.99%
Good
1.00%
*maximum
Capital One Delta SkyMiles® Gold MasterCard®
Earn Delta miles on everything you buy with no annual fee!
Interest Rate
Balance Transfer
Annual Fee
Cash Advance
19.80%
19.80%
$0.00
19.80%
Good
1.00%
*maximum
mbna rewards MasterCard credit card
Earn 1 mbna rewards point for every $1 spent on eligible transactions‡
Interest Rate
Balance Transfer
Annual Fee
Cash Advance
19.99%
21.99%
$0.00
24.99%
Good
1.00%
*maximum
President's Choice Financial MasterCard®
Earn 10 PC Points on every $1 spent + 5000 BONUS points for signing up.
Interest Rate
Balance Transfer
Annual Fee
Cash Advance
19.97%
19.97%
$0.00
21.97%
Good
1.00%
*maximum
TD Rebate Rewards Visa
19.99% on purchases and 21.5% on Cash Advance
Interest Rate
Balance Transfer
Annual Fee
Cash Advance
19.99%
21.50%
$0.00
21.50%
Fair
1.00%
*maximum
CIBC Dividend Card®
Everyday convenience plus up to 1% cash back on card purchases
Interest Rate
Balance Transfer
Annual Fee
Cash Advance
19.99%
21.99%
$0.00
21.99%
Fair
1.00%
*maximum
CIBC PETRO-POINTSTM MasterCard®
Instant fuel savings of 2 cents per litre at Petro-Canada locations across Canada
Interest Rate
Balance Transfer
Annual Fee
Cash Advance
19.99%
21.99%
$0.00
21.99%
Fair
0.90%
*maximum
Choice Card from American ExpressTM
Earn a Welcome Bonus of 1,500 Membership Rewards® points the first time you use the approved Card
Interest Rate
Balance Transfer
Annual Fee
Cash Advance
2.99%
*19.99% after 12 months
-
$0.00
-
Good
0.77%
*maximum
The American Express® AIR MILES®* Credit Card
Special Offer: 150 Bonus Reward miles on your first purchase. No Annual Fee!
Interest Rate
Balance Transfer
Annual Fee
Cash Advance
2.99%
*19.99% after 12 months
-
$0.00
-
Good
0.67%
*maximum
Shell®†† AIR MILES®† MasterCard®* from BMO®
Earn 500 Bonus reward miles when you spend $200 or more in purchases by October 31, 2013.* Apply by August 31, 2013.
Interest Rate
Balance Transfer
Annual Fee
Cash Advance
19.90%
19.90%
$0.00
19.90%
Good
0.63%
*maximum
Best Western MasterCard® credit card
Receive 20,000 bonus Best Western Rewards points after your first qualifying purchase††
Interest Rate
Balance Transfer
Annual Fee
Cash Advance
19.99%
19.99%
$0.00
19.99%
Good
0.58%
*maximum
Capital One Fusion™ Platinum MasterCard®
The low interest rate you need with rewards you want.
Interest Rate
Balance Transfer
Annual Fee
Cash Advance
9.90%
9.90%
$0.00
19.80%
Excellent
0.50%
*maximum
BMO® SPC®‡ AIR MILES®† MasterCard®*
Earn 500 Bonus reward miles when you spend $200 or more in purchases by October 31, 2013.* Apply by August 31, 2013.
Interest Rate
Balance Transfer
Annual Fee
Cash Advance
19.90%
19.90%
$0.00
19.90%
Good
0.50%
*maximum
BMO® AIR MILES®† MasterCard®*
Earn 500 Bonus reward miles when you spend $200 or more in purchases by October 31, 2013.* Apply by August 31, 2013.
Interest Rate
Balance Transfer
Annual Fee
Cash Advance
19.90%
19.90%
$0.00
19.90%
Good
0.50%
*maximum
BMO®* CashBack MasterCard®*
Turn every purchase into CashBack on every dollar you spend.
Interest Rate
Balance Transfer
Annual Fee
Cash Advance
19.90%
19.90%
$0.00
19.90%
Good
0.50%
*maximum
RBC Rewards® Visa‡ Gold
A Premium Rewards Credit Card and No Annual Fee.
Interest Rate
Balance Transfer
Annual Fee
Cash Advance
19.99%
1.90%
*21.99% after 10 months
$0.00
1.90%
*21.99% after 10 months
Good
0.50%
*maximum
Scotiabank® Rewards VISA* card
Earn travel rewards with no annual fee
Interest Rate
Balance Transfer
Annual Fee
Cash Advance
19.99%
21.99%
$0.00
21.99%
Good
0.50%
*maximum
Harley-Davidson® MasterCard® credit card
Use your card for eligible net retail purchases and be automatically entered for a quarterly Harley-Davidson® motorcycle draw‡
Interest Rate
Balance Transfer
Annual Fee
Cash Advance
1.99%
*17.99% after 6 months
19.99%
$0.00
19.99%
Good
0.45%
*maximum
CAA-Quebec Dollars Platinum Plus MasterCard® credit card
On top of 2¢ per litre of gas earned in CAA-Quebec Dollars when you show your CAA-Quebec membership card at the Couche-Tard counter◊◊, receive up to 2% in CAA-Quebec Dollars on all your eligible purchases‡ — including gas — at participating Couche-Tard
Interest Rate
Balance Transfer
Annual Fee
Cash Advance
19.99%
1.99%
*19.99% after 10 months
$0.00
19.99%
Good
Canadian Tire Gas Advantage® MasterCard®
BONUS! Save a full 10¢ per litre automatically for 30 days.
Interest Rate
Balance Transfer
Annual Fee
Cash Advance
19.99%
19.99%
$0.00
21.99%
Good
Capital One SmartLine™ Platinum MasterCard®
Enjoy a low, long-term rate of 5.99% on purchases and balance transfers, guaranteed for 3 years (as long as you pay your bills on time).
Interest Rate
Balance Transfer
Annual Fee
Cash Advance
5.99%
*for 3 years – after that, it becomes Prime +6.99%
5.99%
*for 3 years – after that, it becomes Prime +6.99%
$0.00
19.80%
Excellent
TrueLine MasterCard® credit card - Fixed 9.99% AIR
A great low interest rate credit card, with no annual fee.
Interest Rate
Balance Transfer
Annual Fee
Cash Advance
9.99%
9.99%
$0.00
24.99%
Good
No-Fee Scotiabank Value® VISA card
SPECIAL OFFER: 3.99% interest rate for the first six months...plus no annual fee.
Interest Rate
Balance Transfer
Annual Fee
Cash Advance
16.99%
3.99%
*16.99% after 6 months
$0.00
3.99%
*16.99% after 6 months
Good
BMO® Preferred Rate MasterCard®*
No frills — just savings. A lower 17.5% interest rate and no annual fee.
Interest Rate
Balance Transfer
Annual Fee
Cash Advance
17.90%
17.90%
$0.00
17.90%
Good
Platinum Plus® MasterCard® Credit Card
0% annual interest rate† (AIR) on balance transfers* and deposits* for the first 12 full months
Interest Rate
Balance Transfer
Annual Fee
Cash Advance
17.99%
0.00%
*19.99% after 12 months
$0.00
24.99%
Good
No-Fee ScotiaGold® VISA Card
Essential travel benefits, with no annual fee.
Interest Rate
Balance Transfer
Annual Fee
Cash Advance
19.99%
21.99%
$0.00
21.99%
Good
Choice Privileges MasterCard®
Until July 31, 2013 only, earn up to 24,000 points - enough for 3 FREE Nights1 at over 1,500 Choice Privileges locations across North America!
Interest Rate
Balance Transfer
Annual Fee
Cash Advance
19.99%
19.99%
$0.00
19.99%
Good
TD Green VISA Credit Card
No annual fee, 19.99% on purchases and 21.5% on Cash Advances.
Interest Rate
Balance Transfer
Annual Fee
Cash Advance
19.99%
21.50%
$0.00
21.50%
Good
TD Gold Select Visa
No annual fee, annual interest rate of 19.99% on purchases, 21.5% on Cash Advances
Interest Rate
Balance Transfer
Annual Fee
Cash Advance
19.99%
21.50%
$0.00
21.50%
Good
CIBC Platinum VisaTM
Extended purchasing power and exclusive benefits
Interest Rate
Balance Transfer
Annual Fee
Cash Advance
19.99%
21.99%
$0.00
21.99%
Fair