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Find the best store credit cards without impacting your credit score

Apply with confidence. In under 60 seconds, CardFinder narrows down your top matches without impacting your credit score, no SIN required.

Compare the best store credit cards

The best store credit cards for
  • all reward types
  • cash back
  • store credit
  • travel
  • any annual fee
  • no annual fee
CardBest used forAnnual feeRewards
American Express Cobalt® Card
Purchase interest: 20.99%, Cash advance: 21.99%, Balance transfer: N/A

Groceries & dining


  • 5 pts/$1 for groceries, restaurants
  • 2 pts/$1 for gas, travel
  • 1 pts/$1 for other
HSBC +Rewards™ Mastercard®
Purchase interest: 11.90%, Cash advance: 11.90%, Balance transfer: 11.90%


  • 2 pts/$1 for entertainment, restaurants
  • 1 pts/$1 for bills, gas, groceries, other, pharmacy, travel
PC Financial® World Elite Mastercard®
Purchase interest: 20.97%, Cash advance: 22.97%, Balance transfer: 22.97%


  • 45 pts/$1 for at Shoppers Drug Mart or Pharmaprix
  • 30 pts/$1 for PC grocery stores
  • 30 pts/$1 for Esso and Mobil stations in Canada
  • 30 pts/$1 for travel
  • 10 pts/$1 for Everywhere Else
HSBC World Elite®Mastercard®
Purchase interest: 19.90%, Cash advance: 22.90%, Balance transfer: 22.90%


  • 3 pts/$1 for travel
  • 1.5 pts/$1 for bills, entertainment, gas, groceries, other, pharmacy, restaurants

Why use CardFinder

  • CardFinder has no impact on your credit score, no SIN required

  • Industry-standard protection

  • Match with cards you're most likely to qualify for

  • Your information is encrypted & never shared

Our top picks

Ratehub's top credit card picks

education centre

Have your credit card questions answered with our education centre

Find your perfect credit card in under 60 seconds - No SIN required

  1. Tell us a bit about yourself

    Answer some questions so we can personalize our recommendations - this won't impact your credit score

  2. Check your eligibility

    We confirm your eligibility with our partner, TransUnion. This will be a ‘soft credit check’ which you can see but lenders cannot

  3. Find your perfect matches

    We show you the cards you’re most likely to want and most likely to get

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We help you find better financial products for your specific needs. Whether you need a mortgage, credit card, savings account, or insurance coverage, we get you the information you need to choose better.

How does make money?

Financial institutions pay us for connecting them with customers. This could be through advertisements, or when someone applies or is approved for a product. However, not all products we list are tied to compensation for us. Our industry leading education centres and calculators are available 24/7, free of charge, and with no obligation to purchase. To learn more, visit our About us page.