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Best Credit Cards in Canada
Last Updated: May 23, 2013 09:30:43FREE $50 Gift Card
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
Welcome Bonus of 12,000 Membership Rewards® points - enough for a FREE $100 Gift Card
ChoicePlus Card from American ExpressTM
Earn a Welcome Bonus of 12,000 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
-
$65.00
-
Good
1.67%
*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.
SCENE® VISA Card
Get 2,000 bonus SCENE points -- that's 2 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
ScotiaGold Passport® VISA card
5,000 BONUS Scotia Rewards points, 5% cash back on travel, and comprehensive travel protection
Interest Rate
Balance Transfer
Annual Fee
Cash Advance
19.99%
21.99%
$99.00
*$110 after the first year.
21.99%
Good
5.00%
*maximum
Scotiabank Gold American Express Card
Earn 15,000 bonus points with your first card purchase - a $200 travel value!
Interest Rate
Balance Transfer
Annual Fee
Cash Advance
19.99%
21.99%
$99.00
21.99%
Excellent
4.00%
*maximum
Scotia Momentum® VISA Infinite Card
4% cash back on eligible purchases, a 1.99% intro rate on balance transfers, and cash advances.
Interest Rate
Balance Transfer
Annual Fee
Cash Advance
19.99%
1.99%
*21.99% after 6 months
$99.00
1.99%
*21.99% after 6 months
Good
4.00%
*maximum
Shell®†† CashBack World MasterCard®* from BMO®
3¢ CashBack at Shell
Interest Rate
Balance Transfer
Annual Fee
Cash Advance
19.90%
19.90%
$79.00
19.90%
Good
3.00%
*maximum
The TrueEarnings® Card from Costco and American Express
Earn CASH BACK when you use your TrueEarnings® Card inside and outside of Costco.
Interest Rate
Balance Transfer
Annual Fee
Cash Advance
2.99%
*19.75% after 6 months
-
$0.00
21.99%
Good
3.00%
*maximum
Capital One Delta SkyMiles® World MasterCard®
Earn Delta miles on everything you buy.
Interest Rate
Balance Transfer
Annual Fee
Cash Advance
19.80%
19.80%
$120.00
19.80%
Excellent
3.00%
*maximum
RBC Royal Bank® Visa Infinite‡ Avion®
15,000 welcome RBC Rewards Points upon approval (up to $350 flight value!)
Interest Rate
Balance Transfer
Annual Fee
Cash Advance
19.99%
1.90%
*21.90% after 10 months
$120.00
1.99%
*21.99% after 10 months
Good
2.88%
*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
BMO® Rewards World Elite™ MasterCard®*
Get a 15,000 point welcome bonus, equivalent to a $285 travel credit to use without restrictions!
Interest Rate
Balance Transfer
Annual Fee
Cash Advance
20.50%
20.50%
$150.00
20.50%
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
Marriott Rewards® Premier Visa® Card
Start with up to 5 Free Nights after first purchase!
Interest Rate
Balance Transfer
Annual Fee
Cash Advance
19.99%
19.99%
*1.0% of the Balance Transfer amount
$0.00
*$120.00 after the first year
19.99%
*1.0% of the Cash Advance amount, minimum $5.00
Good
2.00%
*maximum
Capital One Aspire Travel™ World MasterCard®
Earn more reward miles – on everything you buy!
Interest Rate
Balance Transfer
Annual Fee
Cash Advance
16.80%
*+ Prime
16.80%
*+ Prime
$120.00
16.80%
*+ Prime
Excellent
2.00%
*maximum
TD First Class Travel Visa Infinite
$100 in TD Points upon approval, 3 TD points earned for every $1 spent on card
Interest Rate
Balance Transfer
Annual Fee
Cash Advance
19.99%
21.50%
$120.00
21.50%
Excellent
4.50%
*maximum
TD Platinum Travel Visa
15,000 TD Points upon approval, 3 TD points earned for every $1 spent on card.
Interest Rate
Balance Transfer
Annual Fee
Cash Advance
19.99%
21.50%
$99.00
21.50%
Good
3.00%
*maximum
Sony Card MasterCard® credit card
Until July 31, 2013, earn 5X Sony Points†† for eligible purchases at the Sony Reader™ Store when you use your SonyCard MasterCard credit card. Visit readerstore.sony.com to start earning bonus points today! Account registration required. Click here to l
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
Scotia Momentum® VISA card
up to 2% cash back + 1.99% intro rate on balance transfers, and cash advances.
Interest Rate
Balance Transfer
Annual Fee
Cash Advance
19.99%
1.99%
*21.99% after 6 months
$39.00
1.99%
*21.99% after 6 months
Good
2.00%
*maximum
Apply now and get a response in 60 seconds!
American Express Gold Rewards Card (Charge Card)
Earn 15,000 Membership Rewards® points – enough for a short haul flight. Apply now and get a response in 60 seconds!
Interest Rate
Balance Transfer
Annual Fee
Cash Advance
30.00%
*Charge Card
-
$0.00
*$150.00 after the first year
-
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
CIBC Dividend UnlimitedTM World MasterCardTM
Earn up to 2% cash back. No limit to the amount of cash back you can earn
Interest Rate
Balance Transfer
Annual Fee
Cash Advance
19.99%
21.99%
$79.00
21.99%
Excellent
2.00%
*maximum
CIBC Dividend Visa InfiniteTM
Earn up to 2% cash back + Out-of-Province Emergency Travel Medical Insurance
Interest Rate
Balance Transfer
Annual Fee
Cash Advance
19.99%
21.99%
$79.00
21.99%
Excellent
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
American Express® AeroplanPlus®* Platinum Card
Earn 25,000 Bonus Aeroplan®* Miles and get approved in 60 seconds!
Interest Rate
Balance Transfer
Annual Fee
Cash Advance
30.00%
*Charge Card
-
$499.00
-
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
CIBC Aerogold® Visa
Welcome Bonus of 15,000 Aeroplan Miles. Earn 50% more miles at gas, grocery and drug stores.
Interest Rate
Balance Transfer
Annual Fee
Cash Advance
19.99%
21.99%
$120.00
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
BMO® CashBack World MasterCard®*
Now, even more Cash Back than ever. 1.25%.
Interest Rate
Balance Transfer
Annual Fee
Cash Advance
19.90%
19.90%
$79.00
19.90%
Good
1.25%
*maximum
Get a Response in 60 Seconds!
American Express® AeroplanPlus®* Gold Card
BONUS: Earn up to 20,000 Bonus Aeroplan®* Miles
Interest Rate
Balance Transfer
Annual Fee
Cash Advance
30.00%
*Charge Card
-
$120.00
-
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
CIBC Aventura® World MasterCardTM
Welcome Bonus of 15,000 Aventura Points + Earn 50% more points at gas, grocery and drug stores
Interest Rate
Balance Transfer
Annual Fee
Cash Advance
19.99%
21.99%
$120.00
21.99%
Excellent
1.16%
*maximum
CIBC Aventura® Visa InfiniteTM
Welcome Bonus of 15,000 Aventura Points + Fly Any Airline!
Interest Rate
Balance Transfer
Annual Fee
Cash Advance
19.99%
21.99%
$120.00
21.99%
Excellent
1.16%
*maximum
CIBC Aerogold® Visa Infinite*
Welcome Bonus of 15,000 Aeroplan Miles. Earn 50% more miles at gas, grocery and drug stores.
Interest Rate
Balance Transfer
Annual Fee
Cash Advance
19.99%
21.99%
$120.00
21.99%
Excellent
1.08%
*maximum
The Platinum Card®
Earn 50,000 Bonus Membership Rewards® points by spending $1,000 in purchases in the first three months of Cardmembership
Interest Rate
Balance Transfer
Annual Fee
Cash Advance
30.00%
*Charge Card
-
$699.00
-
Excellent
1.04%
*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
ScotiaHockey™ NHL® VISA Card
Choose your favourite team card plus get 3,000 BONUS points
Interest Rate
Balance Transfer
Annual Fee
Cash Advance
19.99%
21.99%
$29.00
21.99%
Good
1.00%
*maximum
BMO®* Rewards MasterCard®*
Earn flexible rewards points to use for travel, merchandise, and more.
Interest Rate
Balance Transfer
Annual Fee
Cash Advance
19.90%
19.90%
$35.00
19.90%
Good
1.00%
*maximum
American Express® AeroplanPlus®* Card
No annual fee for the first year. A value of $60*
Interest Rate
Balance Transfer
Annual Fee
Cash Advance
30.00%
*Charge Card
-
$0.00
*$60.00 after the first year
-
Good
1.00%
*maximum
The American Express® AIR MILES®* Platinum Credit Card
Apply now, and get a response in 60 seconds! Get 500 introductory reward miles on your first purchase.
Interest Rate
Balance Transfer
Annual Fee
Cash Advance
2.99%
*19.99% after 12 months
-
$0.00
*$65.00 after the first year
-
Good
1.00%
*maximum
Get a Response in 60 Seconds!
The Starwood Preferred Guest Credit Card
Earn 10,000 bonus Starpoints® (enough for up to 3 free nights) plus apply now and get a response in 60 seconds!
Interest Rate
Balance Transfer
Annual Fee
Cash Advance
19.99%
19.99%
$120.00
21.99%
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
TD Classic Travel Visa
2,000 TD Points upon approval, 2 TD points earned for every $1 spent.
Interest Rate
Balance Transfer
Annual Fee
Cash Advance
19.99%
21.50%
$19.00
21.50%
Fair
1.00%
*maximum
TD Gold Elite Visa
Earn 1% cash rebate on all net purchases charged to card and supplementary cards
Interest Rate
Balance Transfer
Annual Fee
Cash Advance
19.99%
21.50%
$99.00
21.50%
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
BMO® AIR MILES®† World MasterCard®*
Stretch your AIR MILES and fly sooner with our exclusive 25% flight discount.
Interest Rate
Balance Transfer
Annual Fee
Cash Advance
19.90%
19.90%
$99.00
19.90%
Good
0.84%
*maximum
Shell®†† AIR MILES®† World MasterCard®* from BMO®
1.25x AIR MILES at Shell
Interest Rate
Balance Transfer
Annual Fee
Cash Advance
19.90%
19.90%
$99.00
19.90%
Good
0.83%
*maximum
CIBC Aventura® MasterCard®
Welcome Bonus of 2,500 Aventura Points + Earn 1 Aventura Point for every dollar spent
Interest Rate
Balance Transfer
Annual Fee
Cash Advance
19.99%
21.99%
$39.00
21.99%
Good
0.77%
*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
CIBC Aero Classic VisaTM
Welcome Bonus of 2,500 Aeroplan Miles. Earn 1 Aeroplan Mile for every $2 spent.
Interest Rate
Balance Transfer
Annual Fee
Cash Advance
19.99%
21.99%
$29.00
21.99%
Good
0.72%
*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®
1.25x AIR MILES®† at Shell
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®*
Enjoy exclusive SPC Card discounts at hundreds of your favourite stores and earn AIR MILES reward miles — all for no annual fee!
Interest Rate
Balance Transfer
Annual Fee
Cash Advance
19.90%
19.90%
$0.00
19.90%
Good
0.50%
*maximum
BMO® AIR MILES®† MasterCard®*
Free rewards. No annual Fee.
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
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
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
0.15%
*maximum
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
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