Best Membership Rewards Points Credit Cards in Canada

Credit Cards that are eligible for a promotional offer are marked throughout the comparison chart with a promotional offer icon such as or . Click this box to show only Credit Cards that contain free promotional offers. For gift card FAQs and Terms & Conditions click here.
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. Most credit cards have a minimum credit score requirement. Select your credit score to filter your credit card results based on your credit score and which cards you are most likely to be approved for. If you aren’t sure what your credit score is, select “Not sure”, and your results will be filtered without taking your credit score in to account. 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. Most credit cards have a minimum credit score requirement. Select your credit score to filter your credit card results based on your credit score and which cards you are most likely to be approved for. If you aren’t sure what your credit score is, select “Not sure”, and your results will be filtered without taking your credit score in to account. 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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Hit enter or click outside the box to refresh your results
 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. Most credit cards have a minimum credit score requirement. Select your credit score to filter your credit card results based on your credit score and which cards you are most likely to be approved for. If you aren’t sure what your credit score is, select “Not sure”, and your results will be filtered without taking your credit score in to account. 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. Most credit cards have a minimum credit score requirement. Select your credit score to filter your credit card results based on your credit score and which cards you are most likely to be approved for. If you aren’t sure what your credit score is, select “Not sure”, and your results will be filtered without taking your credit score in to account.
Monthly spending by category
Monthly spending by category

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Credit card Purchase interest rate Balance transfer rate Annual fee Net reward (1st year) Monthly interest fee Monthly interest fee Required deposit Min. required income
BMO® AIR MILES® MasterCard®
BMO® AIR MILES® MasterCard®
19.99%
Cash advance 22.99%
$ 0 $108 Get details
Blue Sky Credit Card
Blue Sky Credit Card
19.99%
Cash advance 22.99%
$ 0 $325 Get details
Scotiabank®* Gold American Express® Card
Scotiabank®* Gold American Express® Card
19.99%
Cash advance 22.99%
$ 99 $915 Get details
BMO CashBack MasterCard®
BMO CashBack MasterCard®
19.99%
Cash advance 22.99%
$ 0 $180 Get details
American Express® Business Gold Rewards Card
American Express® Business Gold Rewards Card
30% $ 250 $180 Get details
MBNA Rewards Platinum Plus® Mastercard®
MBNA Rewards Platinum Plus® Mastercard®
19.99%
Cash advance 24.99%
$ 0 $190 Get details
BMO CashBack® Business Mastercard®*
BMO CashBack® Business Mastercard®*
19.99%
Cash advance 22.99%
$ 0 $ Get details
Meridian Visa Platinum Cash Back Card
Meridian Visa Platinum Cash Back Card
19.5%
Cash advance 21.99%
$ 49 $ Get details
WestJet RBC World Elite MasterCard®
WestJet RBC World Elite MasterCard®
19.99%
Cash advance 21.99%
$ 119 $421 Get details
Rogers Platinum MasterCard
Rogers Platinum MasterCard
19.99%
Cash advance 21.50%
$ 0 $ Get details
Meridian Visa* US Dollar Card
Meridian Visa* US Dollar Card
19.5%
Cash advance 21.99%
$ 65 $ Get details
PC Financial® World Elite Mastercard®
PC Financial® World Elite Mastercard®
19.97%
Cash advance 22.97%
$ 0 $180 Get details
MBNA Smart Cash® World Mastercard®
MBNA Smart Cash® World Mastercard®
19.99%
Cash advance 24.99%
$ 39 $ Get details
PC Financial® Mastercard®
PC Financial® Mastercard®
19.97%
Cash advance 22.97%
$ 0 $180 Get details
The Business Platinum Card from American Express
The Business Platinum Card from American Express
30% $ 499 $ Get details
TD Platinum Travel Visa
TD Platinum Travel Visa
19.99%
Cash advance 22.99%
$ 99 $246 Get details
National Bank Edition MasterCard®
National Bank Edition MasterCard®
19.99%
Cash advance 22.99%
$ 0 $ Get details
American Express® Air Miles Platinum® Credit Card
American Express® Air Miles Platinum® Credit Card
19.99%
Cash advance 22.99%
$ 65 $357 Get details
CIBC Aventura® Visa Infinite* Card
CIBC Aventura® Visa Infinite* Card
19.99%
Cash advance 22.99%
$ 120 $262 Get details
Scotia Momentum® Visa Infinite* Card
Scotia Momentum® Visa Infinite* Card
19.99%
Cash advance 22.99%
$ 99 $510 Get details
American Express Cobalt Card
American Express Cobalt Card
19.99%
Cash advance 22.99%
$ 120 $ Get details
RBC Cash Back MasterCard®
RBC Cash Back MasterCard®
19.99%
Cash advance 21.99%
$ 0 $175 Get details
Visa DOLLARS
Visa DOLLARS
19.99%
Cash advance 21.99%
$ 65 $ Get details
BMO Air Miles World Elite MasterCard®
BMO Air Miles World Elite MasterCard®
19.99%
Cash advance 22.99%
$ 120 $432 Get details
Scotia Momentum® Mastercard®* Credit Card
Scotia Momentum® Mastercard®* Credit Card
19.99%
Cash advance 22.99%
$ 0 $ Get details
American Express® Air Miles® Credit Card
American Express® Air Miles® Credit Card
19.99%
Cash advance 22.99%
$ 0 $169 Get details
CIBC Dividend Visa Card
CIBC Dividend Visa Card
19.99%
Cash advance 22.99%
$ 0 $161 Get details
CIBC Tim Hortons Double Double Visa Card
CIBC Tim Hortons Double Double Visa Card
19.99%
Cash advance 22.99%
$ 0 $ Get details
VISA Black Reward Me
VISA Black Reward Me
19.99%
Cash advance 21.99%
$ 42 $ Get details
Harley-Davidson Mastercard®
Harley-Davidson Mastercard®
19.99%
Cash advance 24.99%
$ 0 $90 Get details
National Bank World MasterCard®
National Bank World MasterCard®
19.99%
Cash advance 22.99%
$ 125 $145 Get details
RBC Signature Rewards Visa
RBC Signature Rewards Visa
19.99%
Cash advance 21.99%
$ 39 $249 Get details
WestJet RBC MasterCard®
WestJet RBC MasterCard®
19.99%
Cash advance 21.99%
$ 39 $191 Get details
SCENE® Visa* Card
SCENE® Visa* Card
19.99%
Cash advance 22.99%
$ 0 $402 Get details
RBC Visa Infinite Avion
RBC Visa Infinite Avion
19.99%
Cash advance 21.99%
$ 120 $412 Get details
TD First Class Travel Visa Infinite
TD First Class Travel Visa Infinite
19.99%
Cash advance 22.99%
$ 120 $470 Get details
TD Aeroplan Platinum Visa Card
TD Aeroplan Platinum Visa Card
19.99%
Cash advance 22.99%
$ 89 $201 Get details
TD Aeroplan Visa Infinite Card
TD Aeroplan Visa Infinite Card
19.99%
Cash advance 22.99%
$ 120 $582 Get details
CIBC Aerogold Visa Infinite
CIBC Aerogold Visa Infinite
19.99%
Cash advance 22.99%
$ 120 $435 Get details
BMO CashBack World Elite MasterCard®
BMO CashBack World Elite MasterCard®
19.99%
Cash advance 22.99%
$ 120 $ Get details
SimplyCash™ Preferred Card from American Express
SimplyCash™ Preferred Card from American Express
19.99%
Cash advance 22.99%
$ 99 $441 Get details
SimplyCash™ Card from American Express
SimplyCash™ Card from American Express
19.99%
Cash advance 22.99%
$ 0 $405 Get details
National Bank World Elite® MasterCard®
National Bank World Elite® MasterCard®
19.99%
Cash advance 22.99%
$ 150 $370 Get details
Scotia Momentum® No-Fee VISA card
Scotia Momentum® No-Fee VISA card
19.99%
Cash advance 21.99%
$ 0 $152 Get details
Desjardins Elegance Gold Visa
Desjardins Elegance Gold Visa
19.9%
Cash advance 19.90%
$ 30 $ Get details
Shell CashBack World MasterCard® from BMO
Shell CashBack World MasterCard® from BMO
19.99%
Cash advance 22.99%
$ 79 $ Get details
Meridian Visa Platinum Travel Rewards Card
Meridian Visa Platinum Travel Rewards Card
19.5%
Cash advance 21.99%
$ 49 $ Get details
Desjardins Cash Back Mastercard
Desjardins Cash Back Mastercard
19.9%
Cash advance 19.99%
$ 0 $ Get details
Shell CashBack MasterCard® from BMO
Shell CashBack MasterCard® from BMO
19.99%
Cash advance 22.99%
$ 0 $ Get details
Shell AIR MILES MasterCard® from BMO
Shell AIR MILES MasterCard® from BMO
19.99%
Cash advance 22.99%
$ 0 $ Get details
BMO® AIR MILES®† Business® Mastercard®*
BMO® AIR MILES®† Business® Mastercard®*
19.99%
Cash advance 22.99%
$ 120 $ Get details
American Express® Platinum Card®
American Express® Platinum Card®
30% $ 699 $26 Get details
The Starwood Preferred Guest® Credit Card from American Express
The Starwood Preferred Guest® Credit Card from American Express
19.99%
Cash advance 22.99%
$ 120 $727 Get details
Home Trust Preferred Visa
Home Trust Preferred Visa
19.99%
Cash advance 19.99%
$ 0 $ Get details
Scotiabank Passport™ Visa Infinite* Card
Scotiabank Passport™ Visa Infinite* Card
19.99%
Cash advance 22.99%
$ 139 $ Get details
BMO Rewards® Business Mastercard®*
BMO Rewards® Business Mastercard®*
14.99%
Cash advance 22.99%
$ 120 $ Get details
Meridian Visa Cash Back Card
Meridian Visa Cash Back Card
19.5%
Cash advance 21.99%
$ 0 $ Get details
Meridian Visa Infinite* Travel Rewards Card
Meridian Visa Infinite* Travel Rewards Card
19.5%
Cash advance 21.99%
$ 99 $ Get details
CIBC Dividend Platinum Visa Card
CIBC Dividend Platinum Visa Card
19.99%
Cash advance 22.99%
$ 99 $ Get details
TD Aeroplan Visa Infinite Privilege Card
TD Aeroplan Visa Infinite Privilege Card
19.99%
Cash advance 22.99%
$ 399 $190 Get details
Scotiabank®* Platinum American Express® card
Scotiabank®* Platinum American Express® card
19.99%
Cash advance 22.99%
$ 399 $0 Get details
BMO World Elite MasterCard®
BMO World Elite MasterCard®
19.99%
Cash advance 22.99%
$ 150 $617 Get details
VISA Explore
VISA Explore
19.99%
Cash advance 21.99%
$ 110 $ Get details
BMO Rewards MasterCard®
BMO Rewards MasterCard®
19.99%
Cash advance 22.99%
$ 0 $ Get details
Scotiabank VISA Business Card
Scotiabank VISA Business Card
19.8%
Cash advance 19.80%
$ 75 $115 Get details
Walmart Rewards™ Mastercard®
Walmart Rewards™ Mastercard®
19.89%
Cash advance 21.49%
$ 0 $195 Get details
American Express® Gold Rewards Card
American Express® Gold Rewards Card
30% $ 150 $532 Get details
CIBC Dividend Visa Infinite Card
CIBC Dividend Visa Infinite Card
19.99%
Cash advance 22.99%
$ 99 $101 Get details
Shell AIR MILES World MasterCard® from BMO
Shell AIR MILES World MasterCard® from BMO
19.99%
Cash advance 22.99%
$ 99 $ Get details
ECHO® Cashback MasterCard®
ECHO® Cashback MasterCard®
19.99%
Cash advance 22.99%
$ 30 $231 Get details
Scotia Momentum® VISA
Scotia Momentum® VISA
19.99%
Cash advance 21.99%
$ 39 $266 Get details
Laurentian Bank Visa Infinite card
Laurentian Bank Visa Infinite card
19.99%
Cash advance 21.99%
$ 130 $297 Get details
Tangerine Money-Back Credit Card
Tangerine Money-Back Credit Card
19.95%
Cash advance 19.95%
$ 0 $243 Get details
BMO® AIR MILES®† No-Fee Business® Mastercard®*
BMO® AIR MILES®† No-Fee Business® Mastercard®*
19.99%
Cash advance 22.99%
$ 0 $ Get details
MBNA Smart Cash Platinum Plus® Mastercard®
MBNA Smart Cash Platinum Plus® Mastercard®
19.99%
Cash advance 24.99%
$ 0 $270 Get details
Scotiabank® American Express® Card
Scotiabank® American Express® Card
19.99%
Cash advance 22.99%
$ 0 $299 Get details
BMO SPC CashBack MasterCard®
BMO SPC CashBack MasterCard®
19.99%
Cash advance 22.99%
$ 0 $90 Get details
Meridian Visa Infinite* Cash Back Card
Meridian Visa Infinite* Cash Back Card
19.5%
Cash advance 21.99%
$ 99 $ Get details
American Express® AIR MILES® for Business Card
American Express® AIR MILES® for Business Card
30% $ 180 $-35 Get details
PC Financial® World Mastercard®
PC Financial® World Mastercard®
19.97%
Cash advance 22.97%
$ 0 $180 Get details
Desjardins Odyssey Gold Visa
Desjardins Odyssey Gold Visa
19.9%
Cash advance 19.90%
$ 110 $ Get details
ScotiaGold Passport® VISA
ScotiaGold Passport® VISA
19.99%
Cash advance 22.99%
$ 110 $120 Get details
Desjardins Odyssey World Elite Mastercard
Desjardins Odyssey World Elite Mastercard
19.9%
Cash advance 19.99%
$ 130 $140 Get details
BMO SPC Air Miles MasterCard®
BMO SPC Air Miles MasterCard®
19.99%
Cash advance 22.99%
$ 0 $108 Get details
Desjardins Student Cash Back Visa
Desjardins Student Cash Back Visa
19.9%
Cash advance 19.90%
$ 0 $25 Get details
American Express® AIR MILES® Gold Business Card
American Express® AIR MILES® Gold Business Card
19.99%
Cash advance 22.99%
$ 0 $127 Get details
For a limited time, you will receive a promotional offer from Ratehub.ca if your application is approved. Terms and conditions apply. Click here for details.
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