Credit Card Finder
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67 cards found
Best No-Fee Cashback
Tangerine Money-Back Credit Card
MastercardTangerine · No annual fee
Earn 10% cashback on purchases
no-feecashbackgroceriesgas
Pros
- +No annual fee ever
- +Choose your own 2% cashback categories
- +Simple and flexible rewards structure
Cons
- –Only 0.50% on non-category spending
- –Mastercard network (fewer airport lounges)
Best for Groceries
Scotiabank Gold American Express Card
AmexScotiabank · $120/year
Earn up to 40,000 Scene+ points
travelgroceriesdiningentertainment
Pros
- +Exceptional earn rate on everyday spending
- +Scene+ points are versatile (travel, movies, groceries)
- +Strong welcome bonus
Cons
- –$120 annual fee
- –American Express not accepted everywhere
Best for Dining
American Express Cobalt Card
AmexAmerican Express · $156/year
Earn up to 30,000 Membership Rewards points
dininggroceriestravelfood-delivery
Pros
- +Industry-leading 5x on dining and food delivery
- +Monthly fee structure is easier to manage
- +Amex Membership Rewards points are very flexible
Cons
- –Annual fee of ~$156
- –Amex not accepted everywhere in Canada
Best Cashback Overall
Scotia Momentum Visa Infinite Card
VisaScotiabank · $120/year
Earn 10% cashback for 3 months
cashbackgroceriesgasdining
Pros
- +Excellent 4% grocery cashback rate
- +Good coverage across categories
- +Visa Infinite benefits and insurance
Cons
- –$120 annual fee
- –Need to spend enough on groceries to offset fee
Best Flat-Rate Cashback
Wealthsimple Visa Infinite Card
VisaWealthsimple · No annual fee
5% cashback for 30 days
cashbackno-feeonline-shopping
Pros
- +2% flat cashback on everything is best-in-class
- +No foreign transaction fees
- +No annual fee for qualifying clients
Cons
- –Need $100K+ assets or direct deposit to waive monthly fee
- –Visa Infinite requires $60K personal or $100K household income
Best WestJet Card
WestJet RBC World Elite Mastercard
MastercardRBC · $119/year
Earn up to 450 WestJet dollars
travelwestjetairlines
Pros
- +Annual companion voucher (round-trip for $119)
- +First checked bag free on WestJet
- +1.5% back in WestJet dollars on everything
Cons
- –$119/year annual fee
- –Rewards only redeemable on WestJet
Best Flat-Rate Cashback
SimplyCash Preferred Card from American Express
AmexAmerican Express · $100/year
cashbackgroceriesgas
Pros
- +Industry-leading 2% flat cashback rate
- +No category restrictions
- +Solid travel insurance
Cons
- –$99.99/year annual fee
- –Amex acceptance limitations
Best Aeroplan Card
CIBC Aeroplan Visa Infinite Card
VisaCIBC · $139/year
Earn up to 20,000 Aeroplan points
travelaeroplanair-canada
Pros
- +Valuable Aeroplan points for Air Canada flights
- +Companion buddy pass once per year
- +Insurance package included
Cons
- –$139 annual fee
- –Earn rate is modest outside of travel
TD Aeroplan Visa Infinite Card
VisaTD · $139/year
Earn up to 20,000 Aeroplan points
travelaeroplanair-canada
Pros
- +Strong earn rate on everyday categories
- +Aeroplan points for flexible travel
- +First checked bag free on Air Canada
Cons
- –$139 annual fee
- –Best perks require Air Canada loyalty
Best Budget Cashback
BMO CashBack Mastercard
MastercardBMO · No annual fee
no-feecashbackgroceries
Pros
- +No annual fee
- +Excellent 3% rate on groceries
- +Good for building credit
Cons
- –Only 0.5% on general purchases
- –No travel benefits
Best No-Fee for Dining
Simplii Financial Cash Back Visa Card
VisaSimplii Financial · No annual fee
Earn 10% cashback for 4 months
no-feecashbackdininggroceries
Pros
- +No annual fee
- +Excellent 4% on dining
- +Good grocery and gas earn rate
Cons
- –Low base earn rate
- –Must have a Simplii account
Best No FX Fee Card
Home Trust Preferred Visa Card
VisaHome Trust · No annual fee
no-feeno-fx-feestravelonline-shopping
Pros
- +No annual fee
- +No foreign transaction fees (saves 2.5%)
- +Flat 1% cashback on everything
Cons
- –Only 1% base cashback
- –No bonus categories
Best for Newcomers
Neo Financial Mastercard
MastercardNeo Financial · No annual fee
no-feecashbacknewcomers
Pros
- +No annual fee
- +High cashback at partner stores
- +Guaranteed approval (secured option)
Cons
- –Low earn rate outside partner network
- –Partner network still growing
Best for Students
BMO SPC CashBack Mastercard
MastercardBMO · No annual fee
studentno-feecashback
Pros
- +No annual fee
- +Free SPC student discount membership
- +3% cashback on groceries
Cons
- –Low base earn rate
- –Limited perks beyond SPC
Best for Gas
CIBC Costco Mastercard
MastercardCIBC · No annual fee
cashbackgasdininggroceries
Pros
- +No annual fee
- +Great earn rates across categories
- +3% on gas and dining
Cons
- –Requires Costco membership
- –Cashback paid as annual certificate
Best Low Interest
MBNA True Line Mastercard
MastercardMBNA · No annual fee
0% intro rate on balance transfers
low-interestno-feebalance-transfer
Pros
- +No annual fee
- +Low regular interest rate of 12.99%
- +Balance transfer promotional offers
Cons
- –No rewards or cashback
- –No travel perks
Best Flexible Travel
TD First Class Travel Visa Infinite Card
VisaTD · $139/year
Earn up to 100,000 TD Rewards points
travelflexible-travel
Pros
- +High earn rate on travel purchases
- +Points redeemable at Expedia for TD
- +Strong travel insurance package
Cons
- –$139 annual fee
- –Points best redeemed through Expedia for TD
Best No-Fee All-Around
Rogers Red World Elite Mastercard
MastercardRogers Bank · No annual fee
Earn 3% cashback for the first 6 months
no-feecashbackno-fx-feesonline-shopping
Pros
- +No annual fee with World Elite benefits
- +Flat 1.5% cashback on everything
- +Effective 0.5% gain on foreign purchases
Cons
- –$80,000 household income requirement
- –Cashback redeemed against Rogers bills ideally
Best Premium Card
American Express Platinum Card
AmexAmerican Express · $799/year
Earn up to 80,000 MR points
travellounge-accesspremium
Pros
- +Unlimited Priority Pass + Centurion lounge access
- +$200 annual travel credit offsets fee
- +Strong travel insurance package
Cons
- –Very high $799 annual fee
- –Amex not accepted everywhere
Best Aeroplan Premium
American Express Aeroplan Reserve Card
AmexAmerican Express · $599/year
Earn up to 90,000 Aeroplan points
travelaeroplanlounge-accessair-canada
Pros
- +Maple Leaf Lounge access on Air Canada flights
- +Excellent base earn rate of 2x everywhere
- +Priority boarding on Air Canada
Cons
- –$599 annual fee is very steep
- –Amex not accepted everywhere
TD Cash Back Visa Infinite Card
VisaTD · $89/year
Earn up to 10% cashback
cashbackgroceriesgasrecurring-bills
Pros
- +Strong 3% on groceries, gas, and bills
- +Cashback deposited automatically
- +Visa Infinite benefits and insurance
Cons
- –$89 annual fee
- –Only 1% on non-bonus spending
CIBC Dividend Visa Infinite Card
VisaCIBC · $99/year
Earn 10% cashback for 4 months
cashbackgroceriesgasdining
Pros
- +Excellent 4% on groceries and gas
- +2% on dining and transit
- +Visa Infinite insurance and perks
Cons
- –$99 annual fee
- –Only 1% base rate
BMO Eclipse Visa Infinite Card
VisaBMO · $99/year
Earn up to 50,000 BMO Rewards points
travelgroceriesdiningtransit
Pros
- +Excellent 5x rate on top categories
- +Flexible redemption options
- +Strong Visa Infinite insurance
Cons
- –$99 annual fee
- –Only 1x on non-bonus spending
Best No-FX Travel Card
Scotiabank Passport Visa Infinite Card
VisaScotiabank · $150/year
Earn up to 40,000 Scene+ points
travelno-fx-feesdiningentertainment
Pros
- +No foreign transaction fees (saves 2.5%)
- +Strong earn rates across categories
- +Scene+ points are versatile
Cons
- –$150 annual fee
- –$60,000 minimum income
CIBC Aventura Visa Infinite Card
VisaCIBC · $139/year
Earn up to 30,000 Aventura points
travelflexible-travel
Pros
- +Broad 2x category coverage
- +Flexible travel redemption
- +Visa Infinite benefits
Cons
- –$139 annual fee
- –Aventura points aren't as valuable as Aeroplan
TD Rewards Visa Card
VisaTD · No annual fee
no-feenewcomers
Pros
- +No annual fee
- +Simple 1x earn everywhere
- +Good starting point for TD product-switching
Cons
- –Only 1x earn rate
- –Points value is modest
Scotiabank Value Visa Card
VisaScotiabank · $29/year
low-interestfair-credit
Pros
- +Very low interest rate (12.99%)
- +Low annual fee ($29)
- +Accessible to fair credit
Cons
- –No rewards at all
- –$29 annual fee
National Bank World Elite Mastercard
MastercardNational Bank · $150/year
Earn up to 40,000 bonus points
travelgroceriesdining
Pros
- +Excellent 5x on groceries and dining
- +World Elite Mastercard benefits
- +Good travel insurance
Cons
- –$150 annual fee
- –National Bank less widespread
CIBC Select Visa Card
VisaCIBC · $35/year
low-interestbalance-transfer
Pros
- +Low interest rate (13.49%)
- +Balance transfer promotional rates
- +Accessible credit requirements
Cons
- –No rewards
- –$35 annual fee
Scotiabank Scene+ Visa Card
VisaScotiabank · No annual fee
no-feeentertainmentnewcomersstudent
Pros
- +No annual fee
- +5x at Cineplex theatres
- +Scene+ redeemable at Sobeys/FreshCo
Cons
- –Only 1x earn rate on most purchases
- –Low point value
Best Grocery Cashback
BMO CashBack World Elite Mastercard
MastercardBMO · $120/year
Earn up to 10% cashback for 3 months
cashbackgroceriesgasdining
Pros
- +Top-tier 5% grocery cashback
- +Strong earn across all daily categories
- +Works at Costco (Mastercard)
Cons
- –$120 annual fee
- –$80,000 household income requirement
TD Platinum Travel Visa Card
VisaTD · $89/year
travelflexible-travel
Pros
- +No minimum income requirement
- +Solid base earn of 2x everywhere
- +Flexible travel redemption
Cons
- –$89 annual fee
- –Points best redeemed via Expedia for TD
Triangle World Elite Mastercard
MastercardCanadian Tire · No annual fee
no-feegasgroceriescanadian-tire
Pros
- +No annual fee with World Elite benefits
- +4% at Canadian Tire family stores
- +Good gas earn at Petro-Canada/Gas+
Cons
- –CT Money has limited redemption (Canadian Tire stores)
- –$80,000 household income for WE tier
PC Financial World Elite Mastercard
MastercardPC Financial · No annual fee
no-feegroceriesgas
Pros
- +No annual fee
- +High earn rate at Shoppers Drug Mart
- +Great for Loblaws/No Frills shoppers
Cons
- –Points only redeemable at Loblaw stores
- –$80,000 household income requirement
Brim Financial World Elite Mastercard
MastercardBrim Financial · $199/year
travelno-fx-feeslounge-access
Pros
- +No foreign transaction fees
- +LoungeKey airport lounge access
- +Works at Costco (Mastercard)
Cons
- –$199 annual fee
- –Brim is newer/less established
WestJet RBC Mastercard
MastercardRBC · No annual fee
Earn up to 250 WestJet dollars
travelwestjetno-fee
Pros
- +No annual fee
- +1% back in WestJet dollars
- +Access to member-exclusive WestJet fares
Cons
- –Lower earn rate than World Elite version
- –No companion voucher
RBC Avion Visa Infinite Card
VisaRBC · $120/year
Earn 35,000 bonus Avion points
travelpointsflexible-rewards
Pros
- +Flexible point redemption (travel, gift cards, merchandise)
- +Transfer to 10+ airline partners
- +Strong travel insurance package
Cons
- –$120/year annual fee
- –Point value varies by redemption method
RBC Avion Visa Infinite Privilege Card
VisaRBC · $399/year
Earn 60,000 bonus Avion points
travelluxurylounges
Pros
- +Priority Pass lounge access (6 free visits/year)
- +Concierge service
- +Best Avion earn rates
Cons
- –$399/year annual fee
- –Minimum personal income $200,000 or household $300,000
RBC ION+ Visa Card
VisaRBC · No annual fee
no-feecashbacknewcomers
Pros
- +No annual fee
- +Automatic cashback redemption
- +No minimum redemption threshold
Cons
- –Only 1% earn rate on everything
- –No bonus categories
RBC Cash Back Mastercard
MastercardRBC · No annual fee
no-feecashbackgroceries
Pros
- +No annual fee
- +2% on groceries is competitive for a free card
- +Mastercard acceptance everywhere
Cons
- –Only 0.5% on non-grocery spending
- –No travel insurance
RBC Rewards+ Visa Card
VisaRBC · No annual fee
no-feestudentsnewcomerspoints
Pros
- +No annual fee
- +RBC Rewards points ecosystem
- +Available to students and newcomers
Cons
- –Low earn rate
- –Points less flexible than cashback
CIBC Aeroplan Visa Infinite Privilege Card
VisaCIBC · $599/year
Earn up to 100,000 Aeroplan points
travelaeroplanloungesluxury
Pros
- +Maple Leaf Lounge access (domestic)
- +Priority Pass (international)
- +Up to 3 Aeroplan points per $1 on Air Canada
Cons
- –$599/year annual fee
- –Minimum income $200,000 personal
TD Aeroplan Visa Infinite Privilege Card
VisaTD · $599/year
Earn up to 100,000 Aeroplan points
travelaeroplanloungesluxury
Pros
- +Maple Leaf Lounge access
- +Priority Pass membership
- +3 Aeroplan points per $1 on Air Canada
Cons
- –$599/year annual fee
- –Minimum income $200,000 personal
American Express Aeroplan Card
AmexAmerican Express · No annual fee
Earn 10,000 Aeroplan points
travelaeroplanno-fee
Pros
- +No annual fee
- +Earn Aeroplan points for free
- +Priority boarding benefit
Cons
- –Low earn rate (1x everywhere)
- –Amex acceptance limitations
American Express Gold Rewards Card
AmexAmerican Express · $150/year
Earn 40,000 MR points
travelpointsflexible-rewards
Pros
- +Flexible Membership Rewards points
- +2x on travel, gas, and select partners
- +Transfer to airline/hotel partners
Cons
- –$150/year annual fee
- –Amex acceptance limitations
SimplyCash Card from American Express
AmexAmerican Express · No annual fee
cashbackno-fee
Pros
- +No annual fee
- +Higher flat rate than most free cards (1.25%)
- +No earning caps
Cons
- –Amex acceptance limitations
- –No bonus categories
Marriott Bonvoy American Express Card
AmexAmerican Express · $120/year
Earn 55,000 Marriott Bonvoy points
travelhotelsmarriott
Pros
- +Automatic Marriott Silver Elite status
- +5x on Marriott purchases
- +2x on travel and dining
Cons
- –$120/year annual fee
- –Amex acceptance limitations
BMO AIR MILES Mastercard
MastercardBMO · No annual fee
no-feeair-milespoints
Pros
- +No annual fee
- +Earn AIR MILES for free
- +Mastercard universal acceptance
Cons
- –Low earn rate (1 Mile per $25)
- –AIR MILES devaluation concerns
BMO AIR MILES World Elite Mastercard
MastercardBMO · $120/year
Earn 3,000 bonus AIR MILES
travelair-milesgroceries
Pros
- +Strong AIR MILES earn rates
- +Good grocery earn rate
- +Comprehensive travel insurance
Cons
- –$120/year annual fee
- –AIR MILES devaluation concerns
BMO Ascend World Elite Mastercard
MastercardBMO · $150/year
Earn 60,000 BMO Rewards points
travelpointsdininggroceries
Pros
- +5x on dining and groceries is excellent
- +3x on travel, gas, transit
- +Mastercard works at Costco
Cons
- –$150/year annual fee
- –BMO Rewards less flexible than Aeroplan
Scotia Momentum No-Fee Visa Card
VisaScotiabank · No annual fee
cashbackno-feegroceries
Pros
- +No annual fee
- +Decent grocery and bills earn rate
- +Visa acceptance everywhere
Cons
- –Low base cashback rate (0.5%)
- –No travel insurance
TD Aeroplan Visa Platinum Card
VisaTD · $89/year
Earn 20,000 Aeroplan points
travelaeroplan
Pros
- +Lower fee entry into Aeroplan
- +Priority boarding benefit
- +First checked bag free on Air Canada
Cons
- –$89/year annual fee
- –Lower earn rate than Infinite card
MBNA Rewards World Elite Mastercard
MastercardMBNA · $89/year
Earn 20,000 bonus points
pointsflexible-rewards
Pros
- +2x everywhere is very competitive
- +Flexible redemption options
- +Strong travel insurance
Cons
- –$89/year annual fee
- –Point value depends on redemption type
Desjardins Cash Back Visa Card
VisaDesjardins · No annual fee
cashbackno-feequebec
Pros
- +No annual fee
- +Visa acceptance
- +Good option for Quebec residents
Cons
- –Lower earn rate than competitors
- –Primarily marketed in Quebec
Desjardins Odyssey Visa Infinite Card
VisaDesjardins · $120/year
Earn 30,000 Odyssey points
travelpointsquebec
Pros
- +3x earn rate on dining and entertainment
- +Comprehensive travel insurance
- +Flexible Odyssey point redemptions
Cons
- –$120/year annual fee
- –Primarily available through Desjardins/caisses
National Bank Syncro Mastercard
MastercardNational Bank · No annual fee
cashbackno-fee
Pros
- +No annual fee
- +Simple 1% flat cashback
- +Auto-redemption as statement credit
Cons
- –Only 1% earn rate
- –No bonus categories
PC Financial Mastercard
MastercardPC Financial · No annual fee
no-feegroceriespoints
Pros
- +No annual fee
- +Strong earn rate at Loblaws/Shoppers Drug Mart
- +Integrates with PC Optimum program
Cons
- –Points only for Loblaws/Shoppers redemption
- –Low earn rate outside PC stores
CIBC Dividend Visa Card
VisaCIBC · No annual fee
cashbackno-feegroceries
Pros
- +No annual fee
- +1% on groceries and gas
- +Visa acceptance
Cons
- –Only 0.5% on other spending
- –Lower tier than Dividend Infinite
TD Cash Back Visa Card
VisaTD · No annual fee
cashbackno-feegroceriesgas
Pros
- +No annual fee
- +1% on groceries and gas
- +TD banking integration
Cons
- –Only 0.5% on other spending
- –Outperformed by Tangerine Money-Back
Scotiabank American Express Card
AmexScotiabank · No annual fee
no-feepointsscene+
Pros
- +No annual fee
- +Earn Scene+ points for movies and travel
- +Good Amex entry card
Cons
- –Amex acceptance limitations
- –Low base earn rate
TD First Class Travel Visa Infinite Privilege Card
VisaTD · $399/year
Earn 115,000 TD Rewards points
travelluxurylounges
Pros
- +Priority Pass lounge access
- +Top-tier TD Rewards earn rates
- +Valet parking benefit
Cons
- –$399/year annual fee
- –Minimum income $200,000 or household $300,000
Brim Financial Mastercard
MastercardBrim Financial · No annual fee
no-feeno-fx-feestravel
Pros
- +No annual fee AND no FX fees is rare
- +1% cashback on everything
- +Mastercard acceptance including Costco
Cons
- –Only 1% earn rate
- –Smaller issuer (less branch support)
Canadian Tire Mastercard
MastercardCanadian Tire · No annual fee
no-feegascanadian-tire
Pros
- +No annual fee
- +4% back at Canadian Tire and gas bars
- +Good for CT, SportChek, Marks shoppers
Cons
- –Low earn rate outside CT family
- –CT Money only for Canadian Tire stores
RBC HSBC Mastercard
MastercardRBC · No annual fee
no-feecashbacknewcomers
Pros
- +No annual fee
- +Easy transition for former HSBC customers
- +Mastercard acceptance
Cons
- –Very low earn rate (0.5%)
- –Better free cards available
RBC Avion Visa Platinum
VisaRBC · No annual fee
no-feetravelpoints
Pros
- +No annual fee Avion card
- +Access to RBC Avion ecosystem
- +Visa acceptance everywhere
Cons
- –Lower earn rate than Infinite tier
- –Limited travel insurance
CIBC Aventura Visa Card
VisaCIBC · No annual fee
no-feetravelpoints
Pros
- +No annual fee travel card
- +Aventura points for flexible travel
- +Visa universal acceptance
Cons
- –Low earn rate without annual fee
- –Aventura less valuable than Aeroplan
RBC British Airways Visa Infinite Card
VisaRBC · $165/year
Earn up to 30,000 Avios
travelaviosbritish-airways
Pros
- +1.5 Avios per $1 everywhere
- +Annual companion voucher for BA flights
- +Avios usable on BA, Iberia, Qatar
Cons
- –$165/year annual fee
- –Best value for transatlantic travelers
How our scoring works
We rank cards based on category fit, fees, and commonly used perks. Cards score higher when they match your selected reward types and spending categories. Annual fee preferences and credit requirements are used as hard filters. Featured editorial picks receive a small bonus. Our rankings are not influenced by affiliate compensation. Learn more about our methodology.