RateHub.ca's Best Credit Cards in Canada

It’s easy to find the best credit cards in Canada by using RateHub.ca’s credit card comparison chart. By selecting your monthly spending and preferences, we’ll match you with the best credit cards for your needs. Once you’ve picked the card you want, we’ll walk you through the steps to apply for it.

Best cash back

Best offer

Sponsored card

Sponsored card

Best cash back

Image of MBNA Rewards World Elite

Best offer

Image of SimplyCash Preferred Card from American Express

Sponsored card

Image of Laurentian Bank Visa Infinite card

Sponsored card

Image of World Elite® MasterCard®

10,000 bonus points†† with first eligible purchase and earn 2 MBNA Rewards points for every $1 spent

For a limited time earn up to 5% on everyday purchases for 6 months. Earn 2% after the promo rate ends.

Earn up to 3% cashback. Special offer: Annual fees refunded for the 1st year

Receive up to $250 in Elite traveller fee rebates and earn up to 2.5 points on ALL card purchases

Apply now View details Apply now View details Apply now View details Apply now View details
Rewards cards Purchase Interest Rate Annual fee First year rewards (up to)
Best travel credit cards
Scotiabank Gold American Express® card View details Scotiabank Gold American Express® card 19.99% $99
$915
Apply now
ECHO® Cashback MasterCard® View details ECHO® Cashback MasterCard® 19.99% $0
$231
Apply now
American Express AeroplanPlus Platinum Card View details American Express AeroplanPlus Platinum Card 30% $499
$351
Apply now
World Elite® MasterCard® View details World Elite® MasterCard® 19.99% $150
$370
Apply now
BMO World Elite MasterCard® View details BMO World Elite MasterCard® 19.99% $150
$617
Apply now
Walmart MasterCard® View details Walmart MasterCard® 19.89% $0
$195
Apply now
Canadian Tire Cash Advantage MasterCard® View details Canadian Tire Cash Advantage MasterCard® 19.99% $0
$155
Apply now
PC Financial MasterCard® View details PC Financial MasterCard® 19.97% $0
$180
Apply now
PC Financial World MasterCard® View details PC Financial World MasterCard® 19.97% $0
$180
Apply now
RBC Signature Rewards Visa View details RBC Signature Rewards Visa 19.99% $39
$249
Apply now
WestJet RBC World Elite MasterCard® View details WestJet RBC World Elite MasterCard® 19.99% $99
$421
Apply now
RBC Cash Back MasterCard® View details RBC Cash Back MasterCard® 19.99% $0
$175
Apply now
WestJet RBC MasterCard® View details WestJet RBC MasterCard® 19.99% $39
$191
Apply now
RBC Visa Infinite Avion View details RBC Visa Infinite Avion 19.99% $120
$412
Apply now
CIBC Dividend Visa Card View details CIBC Dividend Visa Card 19.99% $0
$161
Apply now
CIBC Aerogold Visa Infinite View details CIBC Aerogold Visa Infinite 19.99% $120
$435
Apply now
CIBC Aventura Visa Infinite View details CIBC Aventura Visa Infinite 19.99% $120
$262
Apply now
Laurentian Bank Visa Infinite card View details Laurentian Bank Visa Infinite card 19.99% $130
$297
Apply now
TD Aeroplan Platinum Visa Card View details TD Aeroplan Platinum Visa Card 19.99% $89
$201
Apply now
TD Platinum Travel Visa View details TD Platinum Travel Visa 19.99% $99
$246
Apply now
Harley-Davidson MasterCard® View details Harley-Davidson MasterCard® 19.99% $0
$90
Apply now
Scotiabank VISA Business Card View details Scotiabank VISA Business Card 19.8% $75
$115
Apply now
Scotiabank Rewards VISA Card View details Scotiabank Rewards VISA Card 19.99% $0
$90
Apply now
American Express® AIR MILES® Gold Business Card View details American Express® AIR MILES® Gold Business Card 19.99% $0
$127
Apply now
Blue Sky Credit Card View details Blue Sky Credit Card 19.99% $0
$325
Apply now
MBNA Rewards MasterCard View details MBNA Rewards MasterCard 19.99% $0
$190
Apply now
American Express AeroplanPlus Gold Card View details American Express AeroplanPlus Gold Card 30% $120
$540
Apply now
American Express Platinum Rewards Card View details American Express Platinum Rewards Card 30% $699
$26
Apply now
Canadian Tire Options MasterCard® View details Canadian Tire Options MasterCard® 19.99% $0
$180
Apply now
American Express Air Miles Credit Card View details American Express Air Miles Credit Card 19.99% $0
$169
Apply now
Starwood Preferred Guest® Business Credit Card from American Express View details Starwood Preferred Guest® Business Credit Card from American Express 19.99% $150
$474
Apply now
American Express® Business Gold Rewards Card View details American Express® Business Gold Rewards Card 30% $250
$180
Apply now
ScotiaGold Passport® VISA View details ScotiaGold Passport® VISA 19.99% $110
$120
Apply now
SimplyCash Card from American Express View details SimplyCash Card from American Express 19.99% $0
$405
Apply now
BMO SPC Air Miles MasterCard® View details BMO SPC Air Miles MasterCard® 19.99% $0
$108
Apply now
MBNA Rewards World Elite View details MBNA Rewards World Elite 19.99% $89
$371
Apply now
BMO SPC CashBack MasterCard® View details BMO SPC CashBack MasterCard® 19.99% $0
$90
Apply now
The Starwood Preferred Guest Credit Card from American Express View details The Starwood Preferred Guest Credit Card from American Express 19.99% $120
$727
Apply now
CIBC Dividend Visa Infinite Card View details CIBC Dividend Visa Infinite Card 19.99% $99
$101
Apply now
World MasterCard® View details World MasterCard® 19.99% $125
$145
Apply now
American Express Air Miles Platinum Credit Card View details American Express Air Miles Platinum Credit Card 19.99% $65
$357
Apply now
Platinum MasterCard® Business Card View details Platinum MasterCard® Business Card 19.99% $125
$145
Apply now
BMO® AIR MILES® MasterCard® View details BMO® AIR MILES® MasterCard® 19.99% $0
$108
Apply now
American Express Gold Rewards Card View details American Express Gold Rewards Card 30% $150
$532
Apply now
TD First Class Travel Visa Infinite View details TD First Class Travel Visa Infinite 19.99% $120
$470
Apply now
BMO Rewards MasterCard® View details BMO Rewards MasterCard® 19.99% $35
$145
Apply now
BMO Air Miles World Elite MasterCard® View details BMO Air Miles World Elite MasterCard® 19.99% $120
$432
Apply now
SCENE® Visa* card View details SCENE® Visa* card 19.99% $0
$402
Apply now
Scotiabank® American Express® Card View details Scotiabank® American Express® Card 19.99% $39
$299
Apply now
Scotia Momentum® No-Fee VISA View details Scotia Momentum® No-Fee VISA 19.99% $0
$152
Apply now
Scotia Momentum® VISA View details Scotia Momentum® VISA 19.99% $39
$266
Apply now
Scotia Momentum® Visa Infinite* card View details Scotia Momentum® Visa Infinite* card 19.99% $99
$510
Apply now
BMO CashBack MasterCard® View details BMO CashBack MasterCard® 19.99% $0
$180
Apply now
Tangerine Money-Back Credit Card View details Tangerine Money-Back Credit Card 19.95% $0
$243
Apply now
SimplyCash Preferred Card from American Express View details SimplyCash Preferred Card from American Express 19.99% $99
$441
Apply now
TD Aeroplan Visa Infinite Card View details TD Aeroplan Visa Infinite Card 19.99% $120
$582
Apply now
TD Aeroplan Visa Infinite Privilege Card View details TD Aeroplan Visa Infinite Privilege Card 19.99% $399
$190
Apply now
Best cash back credit cards
Scotiabank Gold American Express® card View details Scotiabank Gold American Express® card 19.99% $99
$915
Apply now
ECHO® Cashback MasterCard® View details ECHO® Cashback MasterCard® 19.99% $0
$231
Apply now
American Express AeroplanPlus Platinum Card View details American Express AeroplanPlus Platinum Card 30% $499
$351
Apply now
World Elite® MasterCard® View details World Elite® MasterCard® 19.99% $150
$370
Apply now
BMO World Elite MasterCard® View details BMO World Elite MasterCard® 19.99% $150
$617
Apply now
Walmart MasterCard® View details Walmart MasterCard® 19.89% $0
$195
Apply now
Canadian Tire Cash Advantage MasterCard® View details Canadian Tire Cash Advantage MasterCard® 19.99% $0
$155
Apply now
PC Financial MasterCard® View details PC Financial MasterCard® 19.97% $0
$180
Apply now
PC Financial World MasterCard® View details PC Financial World MasterCard® 19.97% $0
$180
Apply now
RBC Signature Rewards Visa View details RBC Signature Rewards Visa 19.99% $39
$249
Apply now
WestJet RBC World Elite MasterCard® View details WestJet RBC World Elite MasterCard® 19.99% $99
$421
Apply now
RBC Cash Back MasterCard® View details RBC Cash Back MasterCard® 19.99% $0
$175
Apply now
WestJet RBC MasterCard® View details WestJet RBC MasterCard® 19.99% $39
$191
Apply now
RBC Visa Infinite Avion View details RBC Visa Infinite Avion 19.99% $120
$412
Apply now
CIBC Dividend Visa Card View details CIBC Dividend Visa Card 19.99% $0
$161
Apply now
CIBC Aerogold Visa Infinite View details CIBC Aerogold Visa Infinite 19.99% $120
$435
Apply now
CIBC Aventura Visa Infinite View details CIBC Aventura Visa Infinite 19.99% $120
$262
Apply now
Laurentian Bank Visa Infinite card View details Laurentian Bank Visa Infinite card 19.99% $130
$297
Apply now
TD Aeroplan Platinum Visa Card View details TD Aeroplan Platinum Visa Card 19.99% $89
$201
Apply now
TD Platinum Travel Visa View details TD Platinum Travel Visa 19.99% $99
$246
Apply now
Harley-Davidson MasterCard® View details Harley-Davidson MasterCard® 19.99% $0
$90
Apply now
Scotiabank VISA Business Card View details Scotiabank VISA Business Card 19.8% $75
$115
Apply now
Scotiabank Rewards VISA Card View details Scotiabank Rewards VISA Card 19.99% $0
$90
Apply now
American Express® AIR MILES® Gold Business Card View details American Express® AIR MILES® Gold Business Card 19.99% $0
$127
Apply now
Blue Sky Credit Card View details Blue Sky Credit Card 19.99% $0
$325
Apply now
MBNA Rewards MasterCard View details MBNA Rewards MasterCard 19.99% $0
$190
Apply now
American Express AeroplanPlus Gold Card View details American Express AeroplanPlus Gold Card 30% $120
$540
Apply now
American Express Platinum Rewards Card View details American Express Platinum Rewards Card 30% $699
$26
Apply now
Canadian Tire Options MasterCard® View details Canadian Tire Options MasterCard® 19.99% $0
$180
Apply now
American Express Air Miles Credit Card View details American Express Air Miles Credit Card 19.99% $0
$169
Apply now
Starwood Preferred Guest® Business Credit Card from American Express View details Starwood Preferred Guest® Business Credit Card from American Express 19.99% $150
$474
Apply now
American Express® Business Gold Rewards Card View details American Express® Business Gold Rewards Card 30% $250
$180
Apply now
ScotiaGold Passport® VISA View details ScotiaGold Passport® VISA 19.99% $110
$120
Apply now
SimplyCash Card from American Express View details SimplyCash Card from American Express 19.99% $0
$405
Apply now
BMO SPC Air Miles MasterCard® View details BMO SPC Air Miles MasterCard® 19.99% $0
$108
Apply now
MBNA Rewards World Elite View details MBNA Rewards World Elite 19.99% $89
$371
Apply now
BMO SPC CashBack MasterCard® View details BMO SPC CashBack MasterCard® 19.99% $0
$90
Apply now
The Starwood Preferred Guest Credit Card from American Express View details The Starwood Preferred Guest Credit Card from American Express 19.99% $120
$727
Apply now
CIBC Dividend Visa Infinite Card View details CIBC Dividend Visa Infinite Card 19.99% $99
$101
Apply now
World MasterCard® View details World MasterCard® 19.99% $125
$145
Apply now
American Express Air Miles Platinum Credit Card View details American Express Air Miles Platinum Credit Card 19.99% $65
$357
Apply now
Platinum MasterCard® Business Card View details Platinum MasterCard® Business Card 19.99% $125
$145
Apply now
BMO® AIR MILES® MasterCard® View details BMO® AIR MILES® MasterCard® 19.99% $0
$108
Apply now
American Express Gold Rewards Card View details American Express Gold Rewards Card 30% $150
$532
Apply now
TD First Class Travel Visa Infinite View details TD First Class Travel Visa Infinite 19.99% $120
$470
Apply now
BMO Rewards MasterCard® View details BMO Rewards MasterCard® 19.99% $35
$145
Apply now
BMO Air Miles World Elite MasterCard® View details BMO Air Miles World Elite MasterCard® 19.99% $120
$432
Apply now
SCENE® Visa* card View details SCENE® Visa* card 19.99% $0
$402
Apply now
Scotiabank® American Express® Card View details Scotiabank® American Express® Card 19.99% $39
$299
Apply now
Scotia Momentum® No-Fee VISA View details Scotia Momentum® No-Fee VISA 19.99% $0
$152
Apply now
Scotia Momentum® VISA View details Scotia Momentum® VISA 19.99% $39
$266
Apply now
Scotia Momentum® Visa Infinite* card View details Scotia Momentum® Visa Infinite* card 19.99% $99
$510
Apply now
BMO CashBack MasterCard® View details BMO CashBack MasterCard® 19.99% $0
$180
Apply now
Tangerine Money-Back Credit Card View details Tangerine Money-Back Credit Card 19.95% $0
$243
Apply now
SimplyCash Preferred Card from American Express View details SimplyCash Preferred Card from American Express 19.99% $99
$441
Apply now
TD Aeroplan Visa Infinite Card View details TD Aeroplan Visa Infinite Card 19.99% $120
$582
Apply now
TD Aeroplan Visa Infinite Privilege Card View details TD Aeroplan Visa Infinite Privilege Card 19.99% $399
$190
Apply now
Best store credit cards
Scotiabank Gold American Express® card View details Scotiabank Gold American Express® card 19.99% $99
$915
Apply now
ECHO® Cashback MasterCard® View details ECHO® Cashback MasterCard® 19.99% $0
$231
Apply now
American Express AeroplanPlus Platinum Card View details American Express AeroplanPlus Platinum Card 30% $499
$351
Apply now
World Elite® MasterCard® View details World Elite® MasterCard® 19.99% $150
$370
Apply now
BMO World Elite MasterCard® View details BMO World Elite MasterCard® 19.99% $150
$617
Apply now
Walmart MasterCard® View details Walmart MasterCard® 19.89% $0
$195
Apply now
Canadian Tire Cash Advantage MasterCard® View details Canadian Tire Cash Advantage MasterCard® 19.99% $0
$155
Apply now
PC Financial MasterCard® View details PC Financial MasterCard® 19.97% $0
$180
Apply now
PC Financial World MasterCard® View details PC Financial World MasterCard® 19.97% $0
$180
Apply now
RBC Signature Rewards Visa View details RBC Signature Rewards Visa 19.99% $39
$249
Apply now
WestJet RBC World Elite MasterCard® View details WestJet RBC World Elite MasterCard® 19.99% $99
$421
Apply now
RBC Cash Back MasterCard® View details RBC Cash Back MasterCard® 19.99% $0
$175
Apply now
WestJet RBC MasterCard® View details WestJet RBC MasterCard® 19.99% $39
$191
Apply now
RBC Visa Infinite Avion View details RBC Visa Infinite Avion 19.99% $120
$412
Apply now
CIBC Dividend Visa Card View details CIBC Dividend Visa Card 19.99% $0
$161
Apply now
CIBC Aerogold Visa Infinite View details CIBC Aerogold Visa Infinite 19.99% $120
$435
Apply now
CIBC Aventura Visa Infinite View details CIBC Aventura Visa Infinite 19.99% $120
$262
Apply now
Laurentian Bank Visa Infinite card View details Laurentian Bank Visa Infinite card 19.99% $130
$297
Apply now
TD Aeroplan Platinum Visa Card View details TD Aeroplan Platinum Visa Card 19.99% $89
$201
Apply now
TD Platinum Travel Visa View details TD Platinum Travel Visa 19.99% $99
$246
Apply now
Harley-Davidson MasterCard® View details Harley-Davidson MasterCard® 19.99% $0
$90
Apply now
Scotiabank VISA Business Card View details Scotiabank VISA Business Card 19.8% $75
$115
Apply now
Scotiabank Rewards VISA Card View details Scotiabank Rewards VISA Card 19.99% $0
$90
Apply now
American Express® AIR MILES® Gold Business Card View details American Express® AIR MILES® Gold Business Card 19.99% $0
$127
Apply now
Blue Sky Credit Card View details Blue Sky Credit Card 19.99% $0
$325
Apply now
MBNA Rewards MasterCard View details MBNA Rewards MasterCard 19.99% $0
$190
Apply now
American Express AeroplanPlus Gold Card View details American Express AeroplanPlus Gold Card 30% $120
$540
Apply now
American Express Platinum Rewards Card View details American Express Platinum Rewards Card 30% $699
$26
Apply now
Canadian Tire Options MasterCard® View details Canadian Tire Options MasterCard® 19.99% $0
$180
Apply now
American Express Air Miles Credit Card View details American Express Air Miles Credit Card 19.99% $0
$169
Apply now
Starwood Preferred Guest® Business Credit Card from American Express View details Starwood Preferred Guest® Business Credit Card from American Express 19.99% $150
$474
Apply now
American Express® Business Gold Rewards Card View details American Express® Business Gold Rewards Card 30% $250
$180
Apply now
ScotiaGold Passport® VISA View details ScotiaGold Passport® VISA 19.99% $110
$120
Apply now
SimplyCash Card from American Express View details SimplyCash Card from American Express 19.99% $0
$405
Apply now
BMO SPC Air Miles MasterCard® View details BMO SPC Air Miles MasterCard® 19.99% $0
$108
Apply now
MBNA Rewards World Elite View details MBNA Rewards World Elite 19.99% $89
$371
Apply now
BMO SPC CashBack MasterCard® View details BMO SPC CashBack MasterCard® 19.99% $0
$90
Apply now
The Starwood Preferred Guest Credit Card from American Express View details The Starwood Preferred Guest Credit Card from American Express 19.99% $120
$727
Apply now
CIBC Dividend Visa Infinite Card View details CIBC Dividend Visa Infinite Card 19.99% $99
$101
Apply now
World MasterCard® View details World MasterCard® 19.99% $125
$145
Apply now
American Express Air Miles Platinum Credit Card View details American Express Air Miles Platinum Credit Card 19.99% $65
$357
Apply now
Platinum MasterCard® Business Card View details Platinum MasterCard® Business Card 19.99% $125
$145
Apply now
BMO® AIR MILES® MasterCard® View details BMO® AIR MILES® MasterCard® 19.99% $0
$108
Apply now
American Express Gold Rewards Card View details American Express Gold Rewards Card 30% $150
$532
Apply now
TD First Class Travel Visa Infinite View details TD First Class Travel Visa Infinite 19.99% $120
$470
Apply now
BMO Rewards MasterCard® View details BMO Rewards MasterCard® 19.99% $35
$145
Apply now
BMO Air Miles World Elite MasterCard® View details BMO Air Miles World Elite MasterCard® 19.99% $120
$432
Apply now
SCENE® Visa* card View details SCENE® Visa* card 19.99% $0
$402
Apply now
Scotiabank® American Express® Card View details Scotiabank® American Express® Card 19.99% $39
$299
Apply now
Scotia Momentum® No-Fee VISA View details Scotia Momentum® No-Fee VISA 19.99% $0
$152
Apply now
Scotia Momentum® VISA View details Scotia Momentum® VISA 19.99% $39
$266
Apply now
Scotia Momentum® Visa Infinite* card View details Scotia Momentum® Visa Infinite* card 19.99% $99
$510
Apply now
BMO CashBack MasterCard® View details BMO CashBack MasterCard® 19.99% $0
$180
Apply now
Tangerine Money-Back Credit Card View details Tangerine Money-Back Credit Card 19.95% $0
$243
Apply now
SimplyCash Preferred Card from American Express View details SimplyCash Preferred Card from American Express 19.99% $99
$441
Apply now
TD Aeroplan Visa Infinite Card View details TD Aeroplan Visa Infinite Card 19.99% $120
$582
Apply now
TD Aeroplan Visa Infinite Privilege Card View details TD Aeroplan Visa Infinite Privilege Card 19.99% $399
$190
Apply now
Best travel credit cards
View details Apply now
Best cash back credit cards
View details Apply now
Best store credit cards
View details Apply now
Balance transfer cards Balance transfer rate Annual fee
22.99% $0 Get details Compare all cards
22.99% $150 Get details Compare all cards
22.97% $0 Get details Compare all cards
13.99% $29 Get details Compare all cards
21.99% $120 Get details Compare all cards
11.99% $20 Get details Compare all cards
8.99% $0 Get details Compare all cards
16.99% $0 Get details Compare all cards
21.99% $0 Get details Compare all cards
12.49% $30 Get details Compare all cards
21.99% $0 Get details Compare all cards
22.97% $0 Get details Compare all cards
11.9% $20 Get details Compare all cards
21.99% $0 Get details Compare all cards
22.99% $125 Get details Compare all cards
22.99% $125 Get details Compare all cards
21.99% $39 Get details Compare all cards
22.99% $99 Get details Compare all cards
11.99% $29 Get details Compare all cards
21.99% $99 Get details Compare all cards
View details after months Apply now

If you need any help comparison shopping, read our frequently asked questions below:

Why should I compare credit cards?

It’s important to compare credit cards so you can find the right card for your specific needs. The best credit card for you may not be the best credit card for someone else; it all depends on how much you make, how much spending you do with your card, and what rewards and features are important to you. For example, if you spend $2,000/month on your card and pay it off each month, you may want to find a great rewards credit card. On the other hand, if you only have a limited income or if there’s a chance you won’t be able to pay off your balance each month, you may want to look at no fee or low interest credit cards, instead. There are many different types of credit cards on RateHub.ca, so input your spending and find the right one for you.


How does credit card interest work?

Credit card interest is charged to your credit account if you do not pay off your full balance each month by the payment due date listed on your credit card statement. If you miss the due date, you will be charged interest on the entire balance of your statement. Even if you pay off $999 of a $1,000 balance, you will be charged interest on the full $1,000 balance – not just on the $1 that’s leftover. The interest rate on a credit card is typically 19.99% for purchases and, if you can’t pay off your full balance, it goes back and begins to accrue on the date you made each transaction. For this reason, it’s important you only use your credit card when you know you can afford to pay it back in full by the payment due date to avoid high interest rates and penalties.


Why do some credit cards have an annual fee?

Annual fees are attached to some credit cards because you have to pay for the privilege of having the card in order to receive its rewards. Most annual fees range from $20 to $120, but they can go as high as $399. Typically, the higher the annual fee for a credit card, the greater the rewards it offers. Popular credit card reward programs offer travel, cash back and gas savings.


Should I get a rewards credit card?

If you pay off the full balance of your credit card (not just the minimum payment) by the payment due date and use your card responsibly, you could maximize the benefits of using your credit card by earning some great rewards. Of course, it’s important to be aware of the annual fee and understand how to value the points in your credit card’s rewards programs. But if you spend enough money, the rewards could far outweigh the credit card’s annual fees. If you don’t plan on using your card very often, don’t value the rewards or will not take advantage of them, a card with an annual fee might not be the best choice for you. In this case, consider a no fee credit card that still offers some rewards.