From premium travel rewards to everyday cashback, here are Canada's top credit cards. Sorted by category so you can find exactly what fits your spending.
Premium cards with the highest earn rates, lounge access, travel insurance, and transferable points.
Why we like it: Canada's most popular rewards card for a reason. The 5x on food (groceries + restaurants + delivery) covers where most Canadians spend the most. Points transfer to Aeroplan, Marriott, and more.
Why we like it: Strong competitor to the Cobalt with Scene+ points transferable to Aeroplan. Great earn rates across everyday categories at a slightly lower annual fee.
Why we like it: The go-to Aeroplan card if you prefer Visa acceptance. Free first checked bag and priority boarding on Air Canada. Strong insurance package.
Why we like it: Excellent multipliers with airport lounge access. BMO points are flexible — redeem for travel, statement credits, or merchandise. Competitive with Cobalt on dining.
No annual fee, real cashback. These cards prove you don't need to pay to earn rewards.
Why we like it: The best flat-rate no-fee card in Canada. 1.5% on everything with no annual fee is hard to beat. The 3% on USD purchases effectively eliminates foreign transaction fees — perfect for cross-border shopping.
Why we like it: Choose your own bonus categories (groceries, gas, restaurants, recurring bills, etc.) and earn 2% on those. Get a third bonus category by depositing rewards into a Tangerine savings account.
Why we like it: If you shop at Neo partner merchants (Hudson's Bay, Rexall, and hundreds more), the cashback is exceptional. No annual fee and a slick app experience make this a great secondary card.
Why we like it: 4% back at Canadian Tire, Sport Chek, Mark's, and Atmosphere. If you shop these stores regularly, no other card comes close. Pairs well with a flat-rate cashback card for everything else.
| Card | Annual Fee | Top Earn Rate | Welcome Bonus | Best For |
|---|---|---|---|---|
| Amex Cobalt | $191.88/yr | 5x eats & drinks | 15,000 MR pts | Best overall |
| Scotia Gold Amex | $120/yr | 6x Sobeys / 5x dining | 45,000 Scene+ pts | Groceries |
| TD Aeroplan Visa Infinite | $139/yr | 1.5x gas & groceries | 45,000 Aeroplan pts | Air Canada |
| BMO Eclipse Visa Infinite | $120/yr | 5x dining | 70,000 BMO pts | Dining |
| Amex Aeroplan Reserve | $599/yr | 3x travel & dining | 85,000 Aeroplan pts | Best premium |
| Amex Platinum | $799/yr | 2x travel & dining | 100,000 MR pts | Luxury |
| TD Aeroplan Visa Inf. Privilege | $599/yr | 2x Air Canada | 85,000 Aeroplan pts | Premium Visa |
| CIBC Aventura Visa Inf. Privilege | $499/yr | 2x travel | 80,000 Aventura pts | Flexible travel |
| Rogers World Elite MC | $0 | 3% USD purchases | — | Best no-fee |
| Tangerine Money-Back MC | $0 | 2% on chosen categories | — | Customizable |
| Neo Mastercard | $0 | 5%+ partner stores | — | Partner cashback |
| CT Triangle MC | $0 | 4% CT family stores | — | Canadian Tire |
All card details are based on publicly available information as of April 2026. Welcome bonuses, annual fees, and earn rates are subject to change. Always verify current terms directly with the card issuer before applying.
Pair a premium rewards card (Amex Cobalt for food, 5x) with a no-fee flat-rate card (Rogers 1.5% on everything) for purchases where Amex isn't accepted. This covers all your spending at the highest possible rate.
Welcome bonuses are the single most valuable part of any credit card. Plan your application around a period of higher spending (moving, renovations, holiday season) to easily hit the minimum spend requirement.
Amex MR points and Scene+ points can transfer to Aeroplan at strong ratios. A business class flight booked with points can be worth 5-10x more than a statement credit. Always check transfer value first.
Credit card interest rates in Canada run 20-22%. No rewards program can outpace that. If you carry a balance, skip the rewards cards entirely and focus on a low-interest card until you're paying in full every month.
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