FinviloNational Bank of Canada
Allure® Mastercard®
A no-annual-fee card that earns cash back and supports the Quebec Breast Cancer Foundation.
- Annual fee
- No annual fee
Credit Cards in Canada
Understand Canadian credit card types, fees and who each one suits.
Compare credit cards by borrowing costs, annual fees and benefits you will use. Rewards do not remove the cost of carrying a balance.
Browse by type
Verified options
BMO
BMO CashBack® Mastercard®*
A no-annual-fee card with cash back on purchases, including higher rates for groceries and recurring bill payments.
- Earn rate
- 3% cash back
BMO
BMO CashBack® World Elite®* Mastercard®*
A cash back card with category-based rewards, roadside assistance and travel insurance benefits.
- Annual fee
- $139
- Earn rate
- 5% on groceries
- Minimum income
- $80,000 (individual) or $150,000 (household)
BMO
BMO eclipse Visa Infinite* Card
A rewards card offering additional points on groceries, gas, transit and dining. It includes an annual lifestyle credit.
- Earn rate
- Earn 5 points per $1 spent at grocery stores.
Desjardins
Bonus Visa
A personal credit card with BONUSDOLLARS rewards on eligible purchases.
- Annual fee
- None
- Purchase interest rate
- 20.9%
- Cash advance rate
- 21.9%
- Earn rate
- Up to 2% of your purchases in BONUSDOLLARS
Capital One Canada
Capital One Secured Mastercard
Secured Mastercard with security funds required.
- Annual fee
- $0
- Purchase interest rate
- 29.9% (21.9% for Quebec residents)
- Eligibility
- Security funds required
Desjardins
Cash Back Mastercard
A personal credit card with cash-back rewards on eligible purchases.
- Annual fee
- None
- Purchase interest rate
- 20.9%
- Cash advance rate
- 21.9%
- Earn rate
- Up to 2% on your purchases
Desjardins
Cash Back Visa
A personal credit card with cash-back rewards on eligible purchases.
- Annual fee
- None
- Purchase interest rate
- 20.9%
- Cash advance rate
- 21.9%
- Earn rate
- Up to 2% on your purchases
Desjardins
Cash Back World Elite Mastercard
A personal credit card with cash-back rewards on eligible purchases.
- Annual fee
- $100
- Purchase interest rate
- 20.9%
- Cash advance rate
- 21.9%
- Earn rate
- Up to 4% on your purchases
CIBC
CIBC Adapta™ Mastercard®
A rewards card that adapts its higher earning categories to eligible spending.
- Annual fee
- $0
CIBC
CIBC Aeroplan® Visa Infinite* Card
An Aeroplan rewards card for earning points on eligible purchases.
- Annual fee
- $139
CIBC
CIBC Aventura® Visa Infinite* Card
A travel rewards card earning Aventura points on eligible purchases.
- Annual fee
- $139
CIBC
CIBC Costco Mastercard
A cash back Mastercard offered to Costco members.
Full details for CIBC Costco Mastercard (opens in new tab)CIBC
CIBC Dividend® Visa Infinite* Card
A cash back card with different earning rates for eligible spending categories.
Full details for CIBC Dividend® Visa Infinite* Card (opens in new tab)CIBC
CIBC Select Visa* Card
A credit card positioned as a low-interest option for carrying a balance.
Full details for CIBC Select Visa* Card (opens in new tab)National Bank of Canada
ECHO® Cashback Mastercard®
A cash back card with higher earning on eligible gas, grocery and online purchases.
- Annual fee
- $30
- Earn rate
- Up to 1.5% cashback
Desjardins
Flexi Visa
A personal credit card with a lower purchase interest rate and no annual fee.
- Annual fee
- None
- Purchase interest rate
- 10.9%
- Cash advance rate
- 12.9%
Home Trust
Home Trust Secured Visa
Secured Visa with a no-fee option or a lower-rate option with a fee.
- Annual fee
- $0 (19.99%) or $59 (14.90%)
- Purchase interest rate
- 19.99% no-fee option; 14.90% with $59 fee
- Provincial availability
- Not available in Quebec
Home Trust
Home Trust Secured Visa: Low Rate Option
A lower-interest pricing option in the Home Trust Secured Visa family with an annual fee. The cash deposit secures the account, while regular payments are still required.
- Credit reporting
- Monthly reporting to a credit bureau.
- Provinces
- Quebec excluded; complete province-by-province availability Not confirmed.
- Repayment
- Deposit does not replace monthly payments.
- Security deposit and limit
- CAD 500 to CAD 10,000; limit equals deposit.
Home Trust
Home Trust Secured Visa: No Annual Fee Option
Deposit-secured card with monthly credit-bureau reporting. The deposit determines the limit but does not replace regular card payments.
- Provinces
- Quebec excluded; complete province-by-province availability Not confirmed.
- Credit reporting
- Monthly reporting to a credit bureau.
- Requirements
- Permanent Canadian resident, age of majority, not currently bankrupt.
- Annual fee
- CAD 0.
National Bank of Canada
MC1® Mastercard®
A card for daily purchases and credit building with purchase protection and extended warranty coverage.
- Minimum income
- No minimum annual income is required
National Bank of Canada
mycredit™ Mastercard®
A no-annual-fee cash back card with mobile device protection, purchase protection and extended warranty coverage.
- Earn rate
- Up to 1% cashback
Neo Financial
Neo Card
Neo's cashback Mastercard with offers from partner merchants.
Full details for Neo Card (opens in new tab)Neo Financial
Neo Secured Mastercard
Neo's entry Mastercard with a secured limit and no minimum income.
- Eligibility
- No minimum income requirement
- Credit reporting
- Payments reported to TransUnion and Equifax
- Security deposit
- Fully refundable
Neo Financial
Neo World Elite Mastercard (secured)
Neo World Elite Mastercard with a secured limit.
- Minimum income
- $80,000 individual or $150,000 household
- Credit reporting
- Payments reported to TransUnion and Equifax
Neo Financial
Neo World Mastercard (secured)
Neo World Mastercard with a secured limit.
- Minimum income
- $50,000 individual or $80,000 household
- Credit reporting
- Payments reported to TransUnion and Equifax
Desjardins
Odyssey Gold Visa
A personal credit card with BONUSDOLLARS rewards on eligible purchases.
- Annual fee
- $110
- Purchase interest rate
- 20.9%
- Cash advance rate
- 21.9%
- Earn rate
- Up to 2% of your purchases in BONUSDOLLARS
Desjardins
Odyssey Visa Infinite Privilege
A personal credit card with BONUSDOLLARS rewards on eligible purchases.
- Annual fee
- $295 for Desjardins members and $395 for non-members
- Purchase interest rate
- 11.9%
- Cash advance rate
- 12.9%
- Earn rate
- Up to 4% of your purchases in BONUSDOLLARS
Desjardins
Odyssey World Elite Mastercard
A personal credit card with BONUSDOLLARS rewards on eligible purchases.
- Annual fee
- $130
- Purchase interest rate
- 20.9%
- Cash advance rate
- 21.9%
- Earn rate
- Up to 3% of your purchases in BONUSDOLLARS
National Bank of Canada
Platinum Mastercard
A rewards card earning up to two points per dollar, with travel and mobile device insurance.
- Annual fee
- $70/year
- Earn rate
- Up to 2 points per dollar spent
RBC Royal Bank
RBC Avion Visa Infinite
A travel rewards card that earns Avion points redeemable for flights, hotels and other travel.
- Annual fee
- $120
- Purchase interest rate
- 20.99%
- Cash advance rate
- 22.99%
- Minimum income
- $60,000 or a minimum household income of $100,000
RBC Royal Bank
RBC Avion Visa Platinum
Travel rewards card RBC lists for newcomers, with no minimum income to apply.
- Annual fee
- $120
- Purchase interest rate
- 20.99%
- Cash advance rate
- 22.99%
- Eligibility
- No minimum income required
RBC Royal Bank
RBC Business Credit Cards
Credit cards for business owners from RBC.
Full details for RBC Business Credit Cards (opens in new tab)RBC Royal Bank
RBC Cash Back Mastercard
A cash back card with no annual fee and different earning rates for groceries, transportation and other purchases.
- Annual fee
- $0
- Purchase interest rate
- 21.99%
- Cash advance rate
- 22.99%
RBC Royal Bank
RBC ION Visa
A no-annual-fee card that earns Avion points on eligible everyday purchases.
- Annual fee
- $0
- Purchase interest rate
- 20.99%
- Cash advance rate
- 22.99%
RBC Royal Bank
RBC Newcomer Advantage
RBC banking and credit offers for newcomers to Canada.
Full details for RBC Newcomer Advantage (opens in new tab)RBC Royal Bank
RBC Visa Classic Low Rate Option
A card with a fixed standard purchase rate and a separate rate for cash advances, including balance transfers.
- Annual fee
- $20
- Purchase interest rate
- 12.99%
- Cash advance rate
- 14.99%
Scotiabank
Scotia Momentum No-Fee Visa Card for Students
No-fee student cash back card with an intro balance transfer rate.
- Annual fee
- $0
- Purchase interest rate
- 20.99%
- Cash advance rate
- 22.99%
- Balance transfer rate
- 0.99% for the first 9 months, 22.99% after; 2% fee
Scotiabank
Scotia Momentum Visa Card for Students
Student cash back card with a nine-month intro balance transfer rate.
- Annual fee
- $49
- Purchase interest rate
- 20.99%
- Cash advance rate
- 22.99%
- Balance transfer rate
- 0.99% for the first 9 months, 22.99% after; 2% fee
Scotiabank
Scotia Momentum Visa Infinite+ Card
A cash back card with an annual fee.
- Annual fee
- $120
- Purchase interest rate
- 20.99%
- Cash advance rate
- 22.99%
- Balance transfer rate
- 0% for the first 12 months, 22.99% after; 2% fee
Scotiabank
Scotiabank American Express Card for Students
No-fee student American Express earning Scene+ points.
- Annual fee
- $0
- Purchase interest rate
- 21.99%
- Cash advance rate
- 22.99%
Scotiabank
Scotiabank Gold American Express Card
A Scene+ rewards card with enhanced earning at participating grocery stores.
- Annual fee
- $120
- Purchase interest rate
- 21.99%
- Cash advance rate
- 22.99%
Scotiabank
Scotiabank Passport Visa Infinite+ Card
A travel rewards card that earns Scene+ points on eligible purchases.
- Annual fee
- $150
- Purchase interest rate
- 20.99%
- Cash advance rate
- 22.99%
Scotiabank
Scotiabank Scene+ Visa Card
A no-annual-fee Scene+ card with enhanced earning at participating retailers.
- Annual fee
- $0
- Purchase interest rate
- 21.99%
- Cash advance rate
- 22.99%
Scotiabank
Scotiabank Scene+ Visa Card for Students
No-fee student card earning Scene+ points.
- Annual fee
- $0
- Minimum credit limit
- $500
- Purchase interest rate
- 21.99%
- Cash advance rate
- 22.99%
Scotiabank
Scotiabank Value Visa Card for Students
Low-rate student card with a promotional balance transfer rate.
- Annual fee
- $29
- Purchase interest rate
- 13.99%
- Cash advance rate
- 13.99%
- Balance transfer rate
- 0% for the first 9 months with a 1% fee
Simplii Financial
Simplii Financial™ Cash Back Visa* Card
A no-annual-fee cash-back card with category-based rewards, including eligible restaurant and bar purchases.
- Annual fee
- There is no annual fee for the Primary Cardholder or any Authorized User.
- Purchase interest rate
- 21.99%
- Cash advance rate
- 22.99%
National Bank of Canada
Syncro™ Mastercard®
A variable-rate credit card with purchase protection and extended warranty coverage. Purchase and cash advance rates have different minimum floors.
Full details for Syncro™ Mastercard® (opens in new tab)Tangerine
Tangerine® Money Back Credit Card
A cash-back card with selectable bonus categories and no annual fee.
- Annual fee
- $0
- Purchase interest rate
- 20.95%
- Cash advance rate
- 22.95%
- Minimum income
- $12,000 personal income
Tangerine
Tangerine® Money Back World Mastercard®*
A cash-back card with selectable bonus categories, rental car coverage and mobile device insurance.
- Annual fee
- $0
- Purchase interest rate
- 20.95%
- Cash advance rate
- 22.95%
- Minimum income
- $50,000/year personal income or $80,000/year household income or a minimum of $250,000 assets under management
Tangerine
Tangerine® Rewards World Elite Mastercard®*
A Scene+ rewards card with selectable accelerated earning categories, travel insurance and lounge passes.
- Annual fee
- $120 (Primary Cardholder)
- Purchase interest rate
- 20.95%
- Cash advance rate
- 22.95%
- Minimum income
- $80,000/year personal income or $150,000/year household income or a minimum of $400,000 assets under management
TD Canada Trust
TD Business Credit Cards
TD credit cards for small business spending.
Full details for TD Business Credit Cards (opens in new tab)TD Canada Trust
TD Cash Back Visa Infinite* Card
A cash back credit card with an annual fee.
- Annual fee
- $139
- Purchase interest rate
- 21.99%
- Cash advance rate
- 22.99%
TD Canada Trust
TD Cash Back Visa* Card
A no-annual-fee card that earns Cash Back Dollars redeemable towards the account balance.
- Annual fee
- $0
- Purchase interest rate
- 21.99%
- Cash advance rate
- 22.99%
TD Canada Trust
TD First Class Travel® Visa Infinite* Card
A travel rewards credit card that earns TD Rewards Points.
- Annual fee
- $139
- Purchase interest rate
- 21.99%
- Cash advance rate
- 22.99%
TD Canada Trust
TD® Aeroplan® Visa Infinite* Card
A travel credit card that earns Aeroplan points.
- Annual fee
- $139
- Purchase interest rate
- 21.99%
- Cash advance rate
- 22.99%
National Bank of Canada
World Elite Mastercard
A rewards card with travel benefits, airport lounge access and category-based points earning.
- Annual fee
- $150
- Earn rate
- Up to 5 rewards points per dollar spent
National Bank of Canada
World Mastercard
A rewards card with travel insurance and points redeemable towards travel, purchases or financial products.
- Earn rate
- Get up to 2 points per dollar spent
What to check before choosing credit cards
Borrowing costs
Check purchase, cash advance and balance transfer rates separately.
Net value
Compare the annual fee with rewards from your normal spending. Check caps, exclusions and redemption terms.
Eligibility and coverage
Confirm income requirements, credit criteria and insurance exclusions with the issuer.
Welcome offers may have spending deadlines and eligibility restrictions. Approval is never guaranteed.
Before you visit a provider
Confirm current fees, rates and eligibility directly with the provider. Product terms can change over time. A listed product is not a recommendation or a promise of approval.
Availability must be confirmed for your province or territory. If product-specific location or eligibility information is missing, it is not confirmed.
For further guidance, visit Financial Consumer Agency of Canada.
This is general information, not personalized advice. Read our editorial policy and affiliate disclosure.