Compare Capital One Credit Cards

Whether you’re looking for a low interest card card, cash back credit card or one of the most popular travel rewards credit cards in Canada, Capital One will have something to suit your needs. Fill out your spending profile, then find, compare and apply for the best Capital one credit card for you.

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
19.8% $0 $ Get details
19.8% $0 $ Get details
19.8% $150 $ Get details
For a LIMITED time only, you will receive a FREE gift card from RateHub.ca to Starbucks, Homesense/Winners, or Amazon.ca upon approval of this card. Click “Get details” for more info.
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Capital One Credit Card overview

Capital One offers a diverse range of credit cards (12 in total) that are sure to meet your needs.

Want to get cash back every time you use your card? The Capital One Aspire Cash Platinum MasterCard, and the Capital One Vibe MasterCard for students and young adults, both let you earn 1% cash back on all of your purchases.

If you sometimes carry a balance and want to avoid paying high interest rates, the Capital One SmartLine Platinum MasterCard saves you money with no annual fee and a low interest rate of Prime (3.00%) + 6.99%. The Capital One Low Rate Guaranteed MasterCard also has a low interest rate of 14.9%, which can save you money if you aren’t able to pay your monthly balance in full.

If you’d like to improve your credit, the Capital One Guaranteed MasterCard and Capital One Guaranteed Secured MasterCard can help learn how to use your card responsibly. Simply put down a deposit and the card may be yours.

Finally, if you’re a frequent traveller or want to see more of the world, Capital One offers 6 travel rewards credit cards. The most popular travel card in Canada is the Capital One Aspire Travel World MasterCard. That plus the Capital One Aspire Travel Platinum MasterCard let you earn points that can be redeemed for travel via the Capital One site. Capital One is also partnered with Delta SkyMiles and IHG Rewards, so you can use their cards to earn rewards for their individual programs.


Capital One Credit Card partnerships

Capital One’s credit card partnerships include:

  • IHG Rewards: Capital One offers two IHG Rewards credit cards: the Capital One IHG Rewards Club World MasterCard and the IHG Rewards Platinum MasterCard. Both let you earn rewards points and offer travel perks when you stay at InterContinental Hotel Group properties, including bonus points for hotel stays, complimentary room upgrades and priority check-ins.
  • Delta SkyMiles: Capital One offers two Delta SkyMiles credit cards: the Delta SkyMiles World MasterCard and Delta SkyMiles Gold MasterCard. Depending on which one you choose, you earn free miles with every purchase you make, plus bonus miles on Delta purchases, and receive complimentary travel insurance and priority boarding for you and up to 8 other travellers.

As of Fall 2014, Capital One + MasterCard are also the official partners on Costco’s new credit card. Up until then, Costco had been partnered with American Express.


More on Capital One

Capital One Financial Corporation is an international financial services company known for making innovations in the credit card industry, such as introducing balance transfers, low introductory rates, and fixed rate credit cards. As the eighth largest bank in the United States as measured by total assets and deposits, Capital One has been offering credit cards in Canada since 1996. Capital One has two offices in Toronto and Montreal.


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