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The best Visa credit cards in Canada

Looking for Visa credit cards? Why not compare your options? In under 2 minutes, we’ll narrow down your best card matches from multiple banks.

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Compare Canada's best Visa credit cards

The best rewards cards with

all reward types


any annual fee
CardBest used forAnnual feeRewards
American Express® Cobalt™ Card

Groceries & dining


  • 5 pts/$1 for groceries, restaurants
  • 2 pts/$1 for gas, travel
  • 1 pts/$1 for other
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BMO eclipse Visa Infinite* Card

Food & transit


  • 5 pts/$1 for gas, groceries, restaurants
  • 1 pts/$1 for other
get more details
CIBC Dividend® Visa Infinite* Card

Groceries & gas


  • 4% eligible gas, groceries
  • 1% other
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TD® Aeroplan® Visa Infinite* Card

Aeroplan Points


  • 1.5 pts/$1 for eligible gas, groceries, travel
  • 1 pts/$1 for everything else
get more details

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Our top picks

Ratehub's best credit cards for January 2021

We've helped over 1 million Canadians compare the best credit cards

Whether you want cash back or travel points, lounge access benefits or roadside assistance perks - there's a credit card out there that's right for you. Find it in under 2 minutes.

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Visa credit cards overview

Visa is the largest of the three major credit card companies in Canada. Unlike American Express, Visa doesn’t issue credit cards on its site, nor does it offer any credit cards that are solely under the Visa name. Instead, your Visa will be issued by a bank, credit union or retailer, meaning you’ll see the issuer’s logo + the Visa logo on your card.

With that being said, Visa does divide its credit card products under four categories: Classic, Gold, Platinum, Infinite, and Infinite Privilege.

  • Visa Classic is an ideal first credit card for you to get, either as a student, young professional or someone trying to establish credit. They don’t typically come with many perks or rewards, but their benefits include zero liability and lost/stolen card reporting. Visa Classic cards also typically have a low or no annual fees and little to no income requirements.
  • Visa Gold is the next step up in Visa card offerings. They typically have an annual income requirement and come with a $5,000 minimum credit limit. Visa Gold benefits include: zero liability, lost/stolen card reporting, car rental insurance, travel and emergency insurance policies, and emergency cash and card replacement.
  • Visa Platinum comes with the same income requirements and minimum credit limits as Visa Gold, as well as the same list of benefits. However, they often charge higher annual fees (hovering around the $89 mark) for greater rewards – and offer some extra prestige, if that’s what you’re looking for.
  • Visa Infinite offers all the same great benefits as both Visa Gold and Visa Platinum, but also includes added benefits (i.e. comprehensive travel insurance), higher earn rates for its cardholders, and more exclusive perks (read more about the Visa Infinite program in the next section). A personal income of $60,000 (or $100,000) is usually required to be approved for these cards.
  • Finally, Visa Infinite Privilege represent the most exclusive Visa credit cards and offer a suite of perks that often include access to airport lounges with a membership to Priority Pass, companion travel tickets, a higher volume of rewards per dollar, and huge sign-up bonuses. Visa Infinite Privilege usually have a higher barrier to entry with annual fees of $499 or more.


Visa Infinite program

There are well over a dozen Visa cards attached to its unique brand recognition program: Visa Infinite. Visa Infinite cardholders have access to special offers and unique opportunities, such as a long list of hotel upgrades, invitations to dinners hosted by renowned chefs, advance tickets and VIP lounge access at TIFF, discounts on tickets to sporting events and complimentary concierge services. They also come with travel insurance policies, travel medical insurance, zero liability, emergency card replacement and cash service, and more. Before you make a purchase with your Visa Infinite card, check out the Visa Infinite website to see if there are any offers you can take advantage of first!


Visa credit card partnerships

Aside from the Visa Infinite program, some of Visa’s current credit card partnerships include:

  • Aeroplan: CIBC and TD offer a total of 7 personal Aeroplan Visa travel rewards credit cards (4 and 3 respectively). CIBC offers two entry-level Aeroplan Visa Cards for students and general cardholders, TD offers the mid-tier Aeroplan Visa Platinum, while both banks provide near-identical versions of the Aeroplan Visa Infinite and Aeroplan Visa Infinite Privilege.
  • SCENE: The Scotiabank SCENE Visa Card comes with 2,500 SCENE points (worth 2 free movies), and lets you earn 5 SCENE points per $1 spent at Cineplex and 1 SCENE point per $1 spent everywhere else.
  • British Airways: The RBC British Airways Visa Infinite card comes that lets you earn triple Avios for every $1 spent on British Airways purchases and 1.5 Avios for every $1 spent anywhere else. Avios can be redeemed for travel anywhere British Airways flies
  • Cathway Pacific: The RBC Cathway Pacific Visa Platinum card comes with a complimentary Green Tier membership into the Marco Polo Club, and lets you earn double Asia Miles for every $1 spent on Cathway Pacific purchases and 1 Asia Mile for every $1 spent anywhere else. Asia Miles can be redeemed for flights, upgrades and more.

Remember that all of these credit cards will be issued by a bank, credit union or retailer – not by Visa itself. As well, some Visa credit cards may also help you earn points specific to a bank’s own branded rewards program (like CIBC Aventura or RBC Avion), of which there are too many to list here.


More on Visa

Headquartered in Foster City, California, Visa is the largest credit card company in the world. In fact, The Nilson Report showed that Visa held 60.5% of the market share of purchase transactions made worldwide in 2013. Today, Visa operates in more than 200 countries, and is well known for its Visa credit card and Visa debit card products.

Cards summary (+/-)

Author bio

Mikael Castaldo, Senior Manager of Everyday Banking

Mikael is a Senior Business Manager at and the driving force behind our credit cards team. He knows everything there is to know about the best credit cards, and works closely with Canada’s top financial institutions - from banks to credit unions - to help ensure our over 800,000 monthly users get matched with the right plastic. A numbers guy at heart, having worked as a strategy consultant at the Boston Consulting Group, he’s found himself right at home as a personal finance expert at

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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.

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