Compare the Best Credit Cards in Canada

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The Best Credit Cards in Canada

Find the perfect card for your lifestyle with Insurdinary. The best credit card comparison website for Canadians like you.

BEST CREDIT CARDS COMPARISON IN CANADA

American Express Business Edge Card

$99Annual Fee

19.99% (P) / 21.99% (CA)

Interest Rates:

Key Features:
- Best business card
- No min. income
- Earn up to 42,000 bonus Membership Rewards^® points in 1st year
- Earning 3 Rewards points/$1 spent on gas and transit; food and drink; office supplies; and electronics, plus 1 point per $1 spent elsewhere

$NA Minimum

Apply Now

Tangerine World Mastercard

$0.00Annual Fee

19.95% (P) / 19.95% (CA)

Interest Rates:

Key Features:
- Best no-fee balance transfer card
- Best used for flexible spending
- 1.95% balance transfer rate
- $60,000 min. income
- 2% Cash back spending in 2 chosen categories (0.5% on other purchases)

$NA Minimum

Apply Now

Scotiabank Value No-Fee Visa Card

$0.00Annual Fee

16.99% (P) / 16.99% (CA)

Interest Rates:

Key Features:
- Best no-fee low interest credit card
- No min. income
- 3.99% introductory interest rate on balance transfers for the first 6 months

$500 Minimum

Apply Now

Scotiabank Scotia Momentum VISA Infinite Cash Back Card

Scotia Momentum VISA Infinite Card

$120Annual Fee

20.99% (P) / 22.99% (CA)

Interest Rates:

Key Features:
- Best overall value cash back card
- Best used for groceries and bills
- $60,000 min. income
- 1%-4% cash back on all eligible spending

$5,000 Minimum

Apply Now

ManulifeMONEY+ Visa Infinite Card

$99Annual Fee

19.99% (P) / 22.99% (CA)

Interest Rates:

Key Features:
- Best cash back for first 3 months on groceries up to 10%
- 1-3% cash back on everything else
- Exclusive Visa Infinite benefits

$5,000 Minimum

Apply Now

ManulifeMONEY+ Visa Platinum Card

$0.00Annual Fee

19.99% (P) / 22.99% (CA)

Interest Rates:

Key Features:
- Best cash back for first 3 months on groceries up to 5%
- 1-2% cash back on everything else
- 1.99% balance transfers for the first 6 months

$1,000 Minimum

Apply Now

Refresh Financial Secured Visa Card

$48.95Annual Fee

17.99% on Purchases

Interest Rates:

Key Features:
- Best for Credit Builder/Repair Card
- No min. income
- $12.95 annual fee along with a $3/month maintenance fee which comes out to a total of $48.95

$200 Minimum

Apply Now

Scotiabank Value VISA* Card

$29.00Annual Fee

12.99% (P) / 12.99% (CA)

Interest Rates:

Key Features:
- Best balance transfer & low interest card
- 0.99% balance transfer rate
- $12,000 min. income
- Save up to hundreds of dollars a year on interest

$500 Minimum

Apply Now

Scotiabank Gold American Express Card

$120Annual Fee

19.99% (P) / 22.99% (CA)

Interest Rates:

Key Features:
- Best travel & lifestyle rewards card for everyday spending
- $12,000 min. income
- Earn up to 20,000 sign up bonus points

$5,000 Minimum

Apply Now

American Express Cobalt Credit Card

$120Annual Fee

19.99%/21.99%

Interest Rates:

Key Features:
- Best rewards card for everyday spending
- Earn up to 30,000 sign up bonus points
- Earn up to 5x points on eligible everyday spending

$NA Minimum

Apply Now

Scotiabank Passport Visa Infinite Card

$139Annual Fee

19.99% (P) / 22.99% (CA)

Interest Rates:

Key Features:
- Best No Foreign Transaction Fees Card
- Best for lounge access
- $60,000 min. income
- Earn up to 30,000 sign up bonus points

$5,000 Minimum

Apply Now

Tangerine Money-Back Credit Card

$0.00Annual Fee

19.95% (P) / 19.95% (CA)

Interest Rates:

Key Features:
- Best overall value no-fee cash back card
- Best used for flexible spending
- $12,000 min. income
- 2% Cash back spending in 2 chosen categories (0.5% on other purchases)

$NA Minimum

Apply Now

What to Know Before
Choosing a Credit Card

Make sure you know what you’re looking at when you compare credit cards in Canada so there are no surprises. Knowing the fees and processes associated with each card is crucial to making the right choice.

Here are some tips to get you started!

Interest Rate

Your interest rate varies by card. This interest is charged on the carried balance, and can usually be avoided if you pay the balance in full before the end of the grace period. Interest is often higher on cash advances, compared to card purchases.

Fees

Many cards carry an annual fee. There may also be fees for late payments or one time fees for cash advances. Cash advance fees are in addition to the interest rate charged for the advance.

Sign Up Process

Sign up and approval processes vary by card. Some are extensive, with credit rating, assets, and income are all being considered for approval. Other cards have lower requirements and simple approval processes.

Your Credit Score

Be careful not to apply for too many cards at one time, or for cards that are likely to be denied. Too many inquiries from lenders in a short period can negatively impact your credit rating.

Whether You Are Pre-Approved

You may have received notices about pre-approval for credit cards in the past. Pre-approval is an estimate, since the company has not yet received permission to pull your credit information.

Looking for the BestCredit Card in Canada?

Choosing the right credit card can make a huge difference in the fees and interest you pay and the rewards you earn. It can also be a challenge to find the best card for your financial situation and current credit rating.

While credit card companies often showcase the best features on their websites, you’ll have to spend tons of time reading over the small print to find the rest of the details. This can make it very difficult to compare one card to another.

Fortunately, Insurdinary.ca makes comparing credit cards easy. Insurdinary lets you compare the details of each card, side by side, so you save time and make an informed decision.

Insurdinary insurance representative smiling

Our Picks for the Best
Credit Cards in Canada for 2020

Learn all about our recommended credit cards, what makes them stand out, and how to get the best rates below.

Scotiabank

Scotiabank offers a wide range of credit card options to suit your needs. From low-interest rates to no annual fee to travel to their cash-back rewards program, Scotiabank offers all of the features a savvy Canadian needs. While some of the high-rewards cards require income minimums to qualify, Scotiabank offers student cards and other products for any income level.

APPLY NOW

Scotiabank Gold American Express Card

Best Travel & Lifestyle Rewards for everyday spending

Earn up to 20,000 Scotia Rewards points with your first $1,000 in purchases

$12,000 minimum income required

$120 annual fee

Interest rates: 19.99% purchases / 22.99% cash advances

$5,000 min. credit limit

APPLY NOW

Scotia Momentum Visa Infinite Card

Best overall value Cash Back Card

$60,000 minimum income required

$120 annual fee

First year annual fee waived

4% cash back on all grocery, bills & subscription fees, 2% on daily transit & 1% on everything else

Interest rates: 20.99% purchases / 22.99% cash advances

$5,000 min. credit limit

APPLY NOW

Scotiabank Value Visa* Card

Best Balance Transfer and Low Interest Card

$12,000 minimum income required

$29 annual fee

Save up to hundreds of dollars a year on interest

0.99% introductory interest rate on balance transfers for the first 6 months

Interest rates: 12.99% purchases / 12.99% cash advances

$500 minimum credit limit

Tangerine

Tangerine Bank offers just one credit card, but it’s a unique one. It offers 2% cash back on a variety of categories, including dining, fuel, lodging, pharmacy, and recurring bill payments. Unlike many cash back cards, there is no limit to how much cash back you can earn.

Tangerine also offers a tool to help you track your spending. It analyses purchase categories and helps you see where you’re spending your money and where you could be saving.

APPLY NOW

Tangerine Money-Back Credit Card

Best overall value No-Fee Cash Back Card

Unlimited Money Back

$12,000 minimum incomre required

$0 annual fee

2% Cash back spending in 2 chosen categories (0.5% on other purchases)

Track Spending Habits

Interest rates: 19.95% on purchases and cash advances

Refresh Financial

Not sure if you qualify for a credit card? Trying to rebuild damaged credit or start from scratch with no credit history at all?

Refresh Financial may offer the right credit card for you.

The Refresh Financial Secured Visa is a secured credit card. The credit limit is guaranteed by cash deposited in your account. Maintaining that balance in your account removes risk for the creditor, which makes it possible for you to qualify even without a credit check.

APPLY NOW

Refresh Financial Secured Visa Card

Best for Credit Builder/Repair Card Credit

No credit check – guaranteed approval

Build or rebuild your credit

No minimum income required

$48.95 annual fee

Access personal financial literacy dashboard

$12.95 annual fee along with a $3/month maintenance fee which comes out to a total of $48.95

Interest rates: 17.99% on purchases

$200 minimum credit limit

Manulife

Manulife bank offers two credit cards to choose from. Both offer cash-back and additional cash back rewards for the first 3 statement periods. Manulife’s no-fee credit card offers reasonable rewards with no annual fee. Their premium card offers even higher cash back rewards.

APPLY NOW

ManulifeMONEY+ Visa Infinite Card

10% cash back for first 3 months on groceries

3% cash back at grocery stores

2% cash back on travel

1% cash back on everything else

$99 annual fee

Exclusive Visa Infinite Benefits

Enjoy the travel benefits, accelerated cash back rewards and exclusive perks

Interest rates: 19.99% on purchases / 22.99%
on cash advances

$5,000 minimum credit limit

APPLY NOW

ManulifeMONEY+ Visa Platinum Card

5% cash back for first 3 months on groceries

2% cash back at grocery stores

1% cash back on everything else

$0 annual fee

1.99% balance transfers for first 6 months

Purchase protection and extended warranty insurance

Interest rates: 19.99% on purchases / 22.99%
on cash advances

$1,000 minimum credit limit

American Express

The American Express Company, also known as AMEX, is an American multinational financial services corporation headquartered in Three World Financial Center in New York City.

APPLY NOW

American Express Business Edge Card

Best Business Credit Card

Earn up to 42,000 bonus Membership Rewards® points in your first year of Cardmembership

Earn 3 times the points for Card purchases on eligible business essentials and 1 times the points on everything else.

Earn an extra 1,000 points each month that you spend at least $3,000

Earn 30,000 Welcome Bonus points when you charge $5,000 in purchases to your Card in your first three months

Redeem your points to pay for almost anything you charge to your Card

$99 annual fee

No minimum income required

Credit Cards
Frequently Asked Questions (FAQ)

You may have some common questions regarding comparing credit cards in Canada. Hopefully, our answers will make your decision a bit easier.

How can I redeem card rewards points?

One of the biggest differences between rewards cards is the way you can redeem your points. Some can be redeemed as a statement credit toward your balance, while others can be redeemed for airmiles, hotel points, gift cards, or other perks. Some can even be transferred to other rewards programs, like frequent flier or hotel VIP clubs.

Can a credit card help me improve my credit score?

Used responsibly, credit cards can help build your credit. Available credit is a factor in your credit score, and opening a new card can increase that number. Percentage of credit used is another factor, so keeping your balance low will also benefit your credit rating.

Are there cards specifically for those with low or no credit?

Those with little credit history or negative history can use a credit card to help build credit. The most likely cards in this case would be secured or guaranteed cards, since they use your deposit to support your line of credit.

What’s the best way to avoid fees and negative impacts on credit?

Timely payments are the most important factor in avoiding fees and credit damage. Set up automated payments to ensure you never miss a due date. To minimize or eliminate interest, set your auto payment before the end of the grace period each month and set it to cover your balance, not just the minimum due.

Compare more Credit Cards

Still didn’t find the right card for you. Click here for the complete credit card selection in Canada.

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Insurdinary Blog

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Google Rating

4.9

Insurdinary

4.9

Traci Dumas

Rick Mahler

Deborah Ransome

Eric at customer service was amazing. He was kind, patient and generally worked to solve all issues as I have recently retired and have always had benefits. Eric gave the best policy for me at my time of life. I can not rave enough about this young man. Good job Eric.Deborah Ransome

Kristina Prasad

Mani Tm

It was great experience talking to Christine. She answered all my questions in detail and took care my needs very well. She gave me a good plan suitable to my needs. I appreciate it.

Tall Tree

I don't who are. Are you a Canadian co?

Deepak Mehta

vicki alm

Christine was incredibly helpful and very genuine .Answered all of my questions very willingly ( I had alot of them !) . The plan is very affordable.

Jenn Hrehoruk

maleishia wylie

David Wild

Theresa was very professional and helpful through the whole process

tara kiani tari

chen yc

Erin Lynch

Taylor Gang

Aubrey Lindo

Judy Vanhorne

Braxton Hawkes

krickette McCormick

Lisa Myers

Overall this was a good experience. The first person I spoke to didn't explain things in terms that I was understanding, especially about the banking. Make sure you always ask questions to clarify. The second person I talked to was a manager, and he gave me two different options, put me on hold twice, and sadly that left me feeling confused about what my decision should be. The third person I talked to the next day was excellent. I am very happy with the application process. I haven't used any of the insurance products as of yet so I can't give a review on those. Summary: Great products here. (And I researched many companies.)

Barry Hollywood

Eric was extremely helpful and very knowledgeable of the products available and what would be the best plan for me. He is excellent with customer service.

Ron Buis

Great service and fast at getting back to me about questions that I had. I am very pleased.

Wendell mccue

Scammers.. don't deal with this agency

Mario Pancino

Coco Abraham

Eric helped me to find the best health coverage for my needs.He clearly understood my situation, found and explained a very well fitting product to me and never in the process pressured me to sign. Also no attempt of up selling me onto a higher cost plan. Great experience overall!

Gerard Grady

Sean Kim

CHRIS MAGAFAS was really helpful and professional. He let me know the benefits clearly and that is exactly what I need. He was very efficiency, so I decided to buy this insurance from him.

Serena Lamb

Julia Goldberg

Eric Clementi Was great, quick, helpful and he was on time when I requested him to call me back at a specific time. Thank you !

Mary Skinner

Vicki Barrett

We had a fantastic experience with George! He is knowledgeable and friendly. We had a smooth and easy pp

Maria Van Straten

Roger Van Vlack

Neema V

trent glanz

Theresa was a delight to deal with , answered all my questions and more .

joshua croteau

Polina Tertyshnaya

Chris was great in explaining all the different options for me for health & dental, critical illness and disability insurance. He spent a lot of time with me through the application process and was very patient answering my questions.

Matt Norlock

Hazel Clark Jordan

I had the most patient and friendly and knowledgeable help in Christine when signing up for health insurance. I would recommend her service to anyone! Thank you Christine!Hazel

Dianne Warnick

It was quick, it was easy, the customer service woman was polite, knowledgeable and personable.I recommend it to all

Alan Edmonds

I was very satisfied with our service from George. He found us a policy that was right for us, and was sure that options were explained to us.

Deborah Raymond

I had a great experience getting my personal insurance through Alliance Income. Theresa Heuser was very helpful in providing me the health insurance I wanted and needed.

Nihilated

Alex was a huge help. Very informative as well as patient. 10/10

Barrett Bilcowski

Christine is professional. She led me to the solutions I was looking for. Thank you!

Shelley Gruntz

Hi just spoke to Alex who put my mind at ease what a great rep he took the time to go through what would work for me very pleased with the conversation and very excited about the package. Was so worried because I lost mine plan from work so after all that worry I feel so much stress freeThanks Alex

john mckinnon

Eric Clementi did an excellent job of explaining our options and handled the signup process efficiently.

Nancy MacKneson

Eric was very helpful in finding just the right coverage for us. The information he provided was clear and complete. He was also readily available to answer any questions.

Neil Liedeman

Tristain provided the information I needed to make a decision on a medical/dental plan. He also provided advice on the most competitive provider which was very helpful. Great quick and easy process to get enrolled and good follow up.

Deanne Jarvis

Excellent experience with Alliance!! I dealt with Manish, who was absolutely amazing! he was so helpful and knowledgeable and found the perfect insurance for our family. He answered every single question i had without any hesitation and was compassionate, caring and understanding. Definitely recommend him☺️

Amanda D'Souza

Working with Theresa has been a pleasure from beginning to end. In addition to having extensive industry knowledge, she was empathetic, approachable, transparent, and patient. She foresaw and addressed any misunderstandings I had and she communicated in a positive and clear manner. Theresa was always friendly and professional as she worked with me to come up with an innovative solution to my (not so standard) situation. I am grateful that I had Theresa's expertise to guide me through the process of choosing the right health insurance to meet my needs. It was also very evident that this company puts people above profit as they seemed to work as a team in order to ensure the best outcome for me, as a client.

Daphne Darlow

We just recently were in need of health and dental benefits. Gautam contacted us rapidly and sent us our options to choose from. He explained the plans well and answered any questions we had. Recommend using them.

L King

Amazing

Jane Field

Chris Wilson

Alice Sech

Chris at Insurdinary was a big help in my time of need. He took the time to understand my circumstance and found me the perfect coverage plan for my family and I. He saved me a lot of time from doing endless research and comparing all the plans out there. Highly recommend him!

ali avci

Chris Mitchell

Chinda Vilaisavanh

joan buchanan

Eric Clementi was very helpful and answered my questions.

Slime gang

Cathy Scollon

Very friendly, helpful and knowledgeable. I was going to decline the insurance, he talked me into it.

Ernesto Rivas

Subham singh

Sabrina Shaikh

Jaswinder Rathor

Crissy Clark

What a great experience. The agent was extremely knowledgeable, I know nothing about any kind of insurance. He took his time explaining everything to me to make sure I understood exactly what I needed. I feel extremely confident in recommending this company! I never felt like I was being rushed nor did I feel any pressure to purchase.

Jeffrey Giroux

Laurent Mpiana

Amazing Experience and Alexzander was a great help! His professionalism and product knowledge was the main reason I signed up as soon as I did!Thanks

Norene Crosier

Theresa was very helpful and informative.

Merideth Lew

I had the pleasure with speaking with Alexzander who answered all my questions fully. Alexzander was also very patient with me when I was having trouble understanding somethings we discussed, and helped me understand all my troubles. I am now fully satisfied with my health and dental insurance and feel very confident with my choices. Thank you so much for providing me such a smooth experience.

Andrea Mulder

Sancho-chilli

jestacio2001

Kapil Tyagi

GEORGE was really professional and prompt, willingness to answer all question with patience.

Shawan Greater

mysticpt

delano irwin

Alicia Samad

kat skot

Dealing with Chris was a great experience. He explained things thoroughly, he helped me pick out the plan that would be best for me and my needs. It was quick and easy. And no waiting period for when you can begin to use your benefits. I would definitely recommend.

Sandy Magnus

Katherine Boddington

I was contacted right away by Theresa. She went over all my options that best suited what I was looking for. Theresa found me the best price with even more then I hoped for. I am really happy with Theresa, the company and my plan. Best thing I have done for myself. Thank you Theresa.

Reg Kerr

Deb Send

CHRIS MAGAFAS from Aliiance Income Corp delivered an exceptional customer service. He was very thorough and explained to me the plan benefit in details. I was comfortable in deciding to go with the plan that's best for me.

Steve Ramcharitar

My experience dealing with Chris Magafas at Alliance Income was very helpful. Chris has the knowledge & answered all the questions. His patience & following up with me in a timely manner showed that he understood my needs & give me the best policy suited for me & knowing my beneficiary will be well taken care of. I will recommend Chris to all & anyone wanting a Term Life/Permanent Insurance.

Chelsea Sugrim

I spoke with Alex Charles and it was such a smooth experience! He kept it very clear and professional + extremely helpful with all of my inquiries about dental coverage; the service couldn’t have been better. Definitely recommending Alliance to others, thank you!

Barbie Arsenault

George Solomonv was thorough, transparent, and tactful. A well-versed broker who sees the sale through with no pressure. Thanks George!

shavonne holder

Eric was very helpful in explaining my options, and with talking me through the application process. The information about the different coverages available was very clear, easy to read and simple to understand. I'm looking forward to using my new insurance.

Dave Konowalchuk

Friendly to talk to.explained everything in depth..very knowledgable..would recomend...

Michelle LaFrance

Joana Maite

Hussain Al-Jibory

Chris was great! Very professional and easy to work with.

Liz Smith

Chris Magafas was very professional and knowledgeable and was very easy to work with for our new insurance.

Ryan Nein

Giovah Arafiles

Chris Magafas is my advisor and he is very helpful and so patient with me.and well recommended if you do need any type of insurance he willGuide you well and explain all the stuff you need and find you a good rate for all the insurance you need . He is very friendly also.

Anna Martens

Upon my phone conversation with Christine I was quite pleased.She explained everything well, she was friendly and ready to answer all my questions.

Steve Lesway

BrownSkin JJ

Anne Mogent

Thank you very much for helping me out

surinderpal saini

Keith Mallett

Very knowledgeable and helpful

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Compare the Best Credit Cards in Canada

The Best Credit Cards in Canada

BEST CREDIT CARDS COMPARISON IN CANADA

What to Know Before
Choosing a Credit Card

Interest Rate

Fees

Sign Up Process

Your Credit Score

Whether You Are Pre-Approved

Looking for the BestCredit Card in Canada?

Our Picks for the Best
Credit Cards in Canada for 2020

Scotiabank

Scotiabank Gold American Express Card

Scotia Momentum Visa Infinite Card

Scotiabank Value Visa* Card

Tangerine

Tangerine Money-Back Credit Card

Refresh Financial

Refresh Financial Secured Visa Card

Manulife

ManulifeMONEY+ Visa Infinite Card

ManulifeMONEY+ Visa Platinum Card

American Express

American Express Business Edge Card

Credit Cards
Frequently Asked Questions (FAQ)

How can I redeem card rewards points?

Can a credit card help me improve my credit score?

Are there cards specifically for those with low or no credit?

What’s the best way to avoid fees and negative impacts on credit?

Compare more Credit Cards

Insurdinary Blog

Health & Dental

Compare Life Insurance

Home and Auto

Pet and Travel

Compare the Best Credit Cards in Canada

The Best Credit Cards in Canada

BEST CREDIT CARDS COMPARISON IN CANADA

What to Know BeforeChoosing a Credit Card

Interest Rate

Fees

Sign Up Process

Your Credit Score

Whether You Are Pre-Approved

Looking for the BestCredit Card in Canada?

Our Picks for the BestCredit Cards in Canada for 2020

Scotiabank

Scotiabank Gold American Express Card

Scotia Momentum Visa Infinite Card

Scotiabank Value Visa* Card

Tangerine

Tangerine Money-Back Credit Card

Refresh Financial

Refresh Financial Secured Visa Card

Manulife

ManulifeMONEY+ Visa Infinite Card

ManulifeMONEY+ Visa Platinum Card

American Express

American Express Business Edge Card

Credit CardsFrequently Asked Questions (FAQ)

How can I redeem card rewards points?

Can a credit card help me improve my credit score?

Are there cards specifically for those with low or no credit?

What’s the best way to avoid fees and negative impacts on credit?

Compare more Credit Cards

Insurdinary Blog

What to Know Before
Choosing a Credit Card

Our Picks for the Best
Credit Cards in Canada for 2020

Credit Cards
Frequently Asked Questions (FAQ)