Compare Rewards Credit Cards

Our rewards credit card comparison chart matches the best rewards credit cards in Canada to suit your needs. By selecting your monthly spending and rewards preferences, you can compare all the rewards credit cards on our site, until you find the one you want to apply for.

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Some credit cards come with an annual fee and some do not. The general rule for this is that the greater the rewards, the larger the annual fee. The annual fee is charged once per year and is added to your credit card statement. If you don't mind paying an annual fee, select I don't mind. If you'd prefer not to pay to use a credit card, select None. Some rewards credit cards have an annual income requirement. Enter either your personal or household annual income here, as it may affect which credit cards you are able to apply for.

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What type of rewards do you want to earn for every dollar you spend? Is cash back important to you? Would you prefer gift cards or store credit? What about free flights and hotels? Think about what's most important to you and what would help your budget the most, then look for the best cards to offer that reward. Do you have a preference of whether you want a Visa, MasterCard or American Express card? Select which network you'd prefer, or select "All" if you don't have a preference.
There are a number of lenders and companies that issue credit cards - and they aren't just financial institutions. If you would prefer to get a credit card from one specific credit card issuer, choose the one you want. Otherwise, select All banks. There are generally three types of people who use credit cards: individuals, students and businesses. If you are an individual who uses their credit card for daily living expenses, select Personal. If you are in school and on living on a tight budget, select Student. And if you are someone who uses a credit card to pay for business expenses, select Business. There are many different credit card reward programs available. If you have a preferred reward program, such as Aeroplan Miles, select your choice using the dropdown. Note that each card only uses one reward program. Enter the dollar amount you spend each month on your credit card. Edit your monthly spend by each spending category in the 'monthly spending by category' tab below.

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Some credit cards come with an annual fee and some do not. The general rule for this is that the greater the rewards, the larger the annual fee. The annual fee is charged once per year and is added to your credit card statement. If you don't mind paying an annual fee, select I don't mind. If you'd prefer not to pay to use a credit card, select None. Some rewards credit cards have an annual income requirement. Enter either your personal or household annual income here, as it may affect which credit cards you are able to apply for.

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Do you carry a balance on your credit card each month? This isn't how much you spend on your card, but how much you typically carry over into a new month. If so, write that amount here, so we can calculate how much interest you'll be charged.

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There are a number of lenders and companies that issue credit cards - and they aren't just financial institutions. If you would prefer to get a credit card from one specific credit card issuer, choose the one you want. Otherwise, select All banks. There are generally three types of people who use credit cards: individuals, students and businesses. If you are an individual who uses their credit card for daily living expenses, select Personal. If you are in school and on living on a tight budget, select Student. And if you are someone who uses a credit card to pay for business expenses, select Business. Do you have a preference of whether you want a Visa, MasterCard or American Express card? Select which network you'd prefer, or select "All" if you don't have a preference.
Some credit cards come with an annual fee and some do not. The general rule for this is that the greater the rewards, the larger the annual fee. The annual fee is charged once per year and is added to your credit card statement. If you don't mind paying an annual fee, select I don't mind. If you'd prefer not to pay to use a credit card, select None. Some rewards credit cards have an annual income requirement. Enter either your personal or household annual income here, as it may affect which credit cards you are able to apply for.

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Do you have a preference of whether you want a Visa, MasterCard or American Express card? Select which network you'd prefer, or select "All" if you don't have a preference.
There are a number of lenders and companies that issue credit cards - and they aren't just financial institutions. If you would prefer to get a credit card from one specific credit card issuer, choose the one you want. Otherwise, select All banks. If you are currently carrying a balance on another credit card, you may want to take advantage of a balance transfer promotional offer with one of the credit cards listed below. Enter the amount you would transfer to the new card, to find out what the promotional interest rate and period are.

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Some credit cards come with an annual fee and some do not. The general rule for this is that the greater the rewards, the larger the annual fee. The annual fee is charged once per year and is added to your credit card statement. If you don't mind paying an annual fee, select I don't mind. If you'd prefer not to pay to use a credit card, select None. Do you have a preference of whether you want a Visa, MasterCard or American Express card? Select which network you'd prefer, or select "All" if you don't have a preference.
There are a number of lenders and companies that issue credit cards - and they aren't just financial institutions. If you would prefer to get a credit card from one specific credit card issuer, choose the one you want. Otherwise, select All banks.
Monthly spending by category
Monthly spending by category

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Credit card Interest Rate Balance transfer rate Annual fee Net reward (1st year) Monthly interest fee Monthly interest fee Required deposit
19.89% $0 $195 Get details
19.99% $0 $216 Get details
19.99% $0 $155 Get details
19.99% $0 $225 Get details
19.97% $0 $180 Get details
19.97% $0 $180 Get details
19.99% $39 $249 Get details
19.99% $35 $145 Get details
19.99% $0 $135 Get details
19.99% $99 $421 Get details
19.99% $0 $175 Get details
19.99% $39 $191 Get details
19.99% $120 $412 Get details
19.99% $0 $161 Get details
19.99% $19 $161 Get details
19.99% $120 $262 Get details
19.99% $120 $435 Get details
19.99% $0 $90 Get details
19.99% $89 $201 Get details
19.99% $399 $190 Get details
19.99% $19 $161 Get details
19.8% $65 $115 Get details
19.99% $0 $152 Get details
19.8% $0 $ Get details
19.99% $99 $246 Get details
19.99% $29 $147 Get details
19.99% $39 $266 Get details
19.99% $0 $167 Get details
19.99% $0 $90 Get details
30% $399 $-174 Get details
19.99% $0 $127 Get details
30% $180 $-35 Get details
19.99% $0 $325 Get details
19.99% $0 $190 Get details
30% $150 $508 Get details
19.99% $0 $200 Get details
19.99% $0 $320 Get details
19.99% $150 $474 Get details
19.99% $0 $169 Get details
30% $499 $351 Get details
30% $699 $26 Get details
30% $120 $540 Get details
19.99% $65 $292 Get details
19.8% $0 $ Get details
19.99% $0 $382 Get details
30% $250 $180 Get details
19.99% $0 $180 Get details
19.99% $110 $120 Get details
19.99% $120 $470 Get details
19.99% $39 $299 Get details
19.99% $0 $180 Get details
19.99% $65 $ Get details
19.99% $79 $338 Get details
19.99% $99 $538 Get details
19.99% $120 $ Get details
19.99% $0 $190 Get details
19.99% $0 $108 Get details
19.99% $89 $371 Get details
19.9% $110 $ Get details
19.97% $0 $ Get details
19.99% $99 $605 Get details
19.99% $29 $ Get details
19.99% $0 $200 Get details
19.99% $99 $101 Get details
19.99% $0 $90 Get details
19.99% $99 $81 Get details
19.99% $0 $0 Get details
17% + prime $0 $ Get details
19.99% $120 $ Get details
19.99% $120 $727 Get details
19.8% $150 $ Get details
19.9% $111 $ Get details
19.99% $99 $ Get details
17.9% $0 $ Get details
19.99% $150 $370 Get details
19.95% $0 $ Get details
12.9% $0 $ Get details
19.99% $120 $570 Get details
19.99% $0 $ Get details
19.9% $0 $ Get details
19.9% $0 $ Get details
19.9% $42 $ Get details
19.99% $0 $108 Get details
19.99% $150 $510 Get details
19.99% $0 $231 Get details
19.99% $125 $145 Get details
19.99% $125 $145 Get details
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If you need help comparing rewards credit cards, read our frequently asked questions below:

Why should I get a rewards credit card?

If you already use a credit card for most of your daily purchases and pay off the balance each month, using a rewards credit card instead can give you the opportunity to earn some tangible benefits for doing so. With a rewards credit card, every purchase you make helps you earn points that can later be redeemed for flights, hotel rooms, cash back or other rewards. If you are one of the 70% of Canadians who pays off their credit card balance every month and successfully avoids interest charges, a rewards credit card would be a great way to get more out of your daily purchases.


What type of rewards can I earn?

The most common types of rewards you can earn are: travel points, cash back, store points and free gas. Travel rewards credit cards offer travel points every time you make a purchase, which accumulate and can be redeemed towards purchasing plane tickets or hotel stays. Cash back credit cards offer cash rebates on your purchases, typically in the range of 0.75-4.00%; your rebate will either be applied to your statement or sent as a cheque in the mail. Store credit cards are offered by some specific retailers and help you earn points that can be redeemed for merchandise in their stores. Finally, gas credit cards simply offer you the ability to earn free money to be used at specific gas stations.

Many rewards credit cards also include insurance products, such as travel medical insurance, trip cancellation and interruption insurance, and rental car collision and damage insurance. These insurance products come at no extra cost and can provide meaningful value to you in the event of any accidents or unforeseen events.


Why do most rewards credit cards have an annual fee?

Rewards credit cardholders pay a fee for the privilege of using the card and gaining its benefits. While the annual fee can sometimes seem high, if you use your card often, the rewards you earn can easily outweigh the cost of holding the card. If you don’t use your credit card often or will not redeem your points, a no fee credit card that offers fewer rewards may be a better choice.


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