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

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.

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.

Find The Card for You

Insurdinary Blog

Your window to get credit card updates, tips, FAQ & more.

Best Cash Back Credit Cards in Canada

Scotiabank No Fee Credit Cards | Review 2021

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Insurance pruducts and services are provided by Alliance Income Services Corp.

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Google Rating

4.9

Insurdinary

4.9

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

Davan Keyland

Len Hanes

Kafa Hajjar

Joseph Engel

Brad Tyrrell

Chris was well informed and guided me to what was best for my needs at the time . I will be doing more with him I’m sure in the future .

Pooran Singh

Excellent service, pleasant representative, simple enrollment process.

Judith Stewart

Sunny Vee

Gautum helped my partner and I get a really great deal on Insurance! We're really glad we got a quote and Alliance called us immediately. Without a proper quote, we would have paid $92 more per month if we went on about it without speaking to them first! Thank you so much :)

Peter Rychlik

Gautam Kholsa is the man!! I came to him with very specific insurance needs, I needed a plan with lots of psych benefits, and he found me the perfect plan, with up to 15 sessions per year offering coverage. That benefits package was 27/mo overall, and he was able to extend the coverage to my partner as well. That felt so good, and came at the right time, as my work benefits were ending.

Wendell mccue

George of Insurdinary was a very helpful polite broker.. he answered all of my questions with ease.. I will recommend to friends and familyThank you

Chris

Rosa D

Great service from Chris ! He found the best plan that was most suitable for me .Thank you

Shauntelle Hall

Tristan was such a great help today, very knowledgeable and gave me his honest opinion with making the right choice!

Lori Sanderson

Tapan Sen

Sourabh Rathour was the agent who helped me with my questions regarding the insurance. He was knowledgeable and clarified all my queries patiently. His advice was very helpful and guided me to choose the right insurance for myself and my wife. Thank you Sourabh.

Nicole Bellaire

Insurdinary was professional and answered all my questions. They got the best rate and met my needs.

melinda zeitoun

I dealt with your agent Tristan , he was very helpful in assisting me in make the right choice for dental coverage. He followed up with me to see if I had any questions. I was very pleased with the service I received.

Jodi Brooks

Steve Kazan

Myself and my wife purchased extended health insurance from Alliance.Manish Chung ,health insurance adviser ,was extremely helpful and was very professional and very knowledgeable .Every time we called him with our questions he answered them immediately.We were very pleased with his costumer service .Thank you .S&R Kazan.

ruby ben

Dale Dechief

The process was easy and customer friendly. My rep was very knowledgeable and recommended the most economic package for me.

Roby O'Neil

Jaspreet & Gulshan Dhillon

Hi i got best plan for my life insurance from insurdinary company. Its really best company i dealt with. George is the guys who explained me everthing in detail and he is really very helpful i will refer this company products to all my friends and family specially george is very helpful Amazing experience👌👌👌

Janice Wurtz

Chris Magafas was a great help! Knew exactly what I was looking for. Very pleasant to talk to.

Rodney Romain

George from Insurdinary was extremely helpful and knowledgeable. Took the time answered all my questions and provided a written quote, I would highly recommend to friends and family

Sam

Sirkka Roman Fannon

Polite,reliable,honest

cyi andersen

I was VERY happy dealing with Denis Bricov, with Alliance he was so kind, easy to deal with, answered all my questions, explained my options & suggested the plan that was best for me. Everything was easy to set up and get. If I had any questions Denis was on the other end of the phone or email to help me along this process. He was patient while I decided what company I wanted to go through never pressuring me to make a decision and deal with him. I was very happy with my entire experience dealing with Denis from Alliance. I would suggest him to my family and friends who don't have medical, dental, vision care etc. Thanks Denis for everything and not pressuring me along this process.Sincerely, Caralee Andersen

Rajan Bhatti

shelley ferguson

I was very pleased how he helped me doing everything on my phone

Valerie Cooper

Insurdinary rep was very easy to understand and very helpful. The application process was quick and painless. Thank you!

FiTMASS

Sourabh Rathour was very knowledgeable,I informative and helpful. He helped My spouse and I get the best possible plan I can possibly find. The service was great and very professional.I would definitely recommend and will refer freinds and family.Thank you so much🙏

Mike Pagan

Guanam was excellent to work with through the policy shopping right through to the billing stage. I would recommend his services again.

Denise’s Den

Brenda Hawes

joe conohan

Our experience with Insurdinary was very pleasant. The evening call was right on time and the process was seamless. All of our questions were answered and we feel we received some great advice. Would certainly recommend them.

Corinne Siqueira

I felt that the customer service representative answered my questions and concerns professionally and promptly and explained the plan in pretty good details and the process was virtually minimal time consuming to go through the application and pricing, etc. Insurdinary would be a company I probably would be quite likely to recommend to friends/family if they needed a plan. Thank you for your assistance. It was a very good experience overall.

Emma Mullen

My broker Eric was very helpful provide me with lots of information, made sure to double check, didn't feel like he was trying to push me into any plans, great agent.

Nestalia Art

gemma law

Chiehti Pan

Gilliane Laframboise

Fantastic service. Easy going and very personable staff. Fast response via email and phone. Highly recommend to anyone who needs their services.

C Learning

Chris Magafas was easy to deal with and was able to answer all our questions. Would definitely recommend his services. The company provided everything we needed and more.

lyn marie

Lucia Williams

Eric Clementi was friendly and professional

Son Truong

Chris Magafas was a great help in finding what I needed. He understand and was very patient in answering my questions when it was repeated several time.I do recommend him to others.Great Job Chris!!!

Anne Cosgrove

Elizabeth Irvine

Eric Clementi was my representative and he did an amazing job. Very personable and helped me understand completely. I would recommend him

Zoe Keenan

Was a wonderful experience with Insurdinary! Highly recommended

Fardoussa Houssein

Rowell Torres

Christine Augustus was a lovely agent who helped me choose a plan that was right for me. She followed up numerous times and answered all the questions I inquired about. Great service and thorough execution.

Amanda Schiestel

Peter Wolf

Thomas C. H. Baldwin

Tristan was most helpful. He is now in my contact list as my trusted AllianceIncome relationship manager.

Christina Bailey

Ken Pennell

The broker was pleasant and had great knowledge of the product.

Eleisha Mark

Randy Frank

K M

Sasikumar Tagore

Calgary

Heather Dougan

Katherine Hill

Greg Stone

Chris was very helpful and knowledgeable and guided us to the right package that met our needs.

Charlotte Goss

Very helpful. friendly staff.

Rebecca Caerels

Jeffrey Campbell

Excellent experience with Gautam Khosla. He first suggested the best solution for me (very affordable and covers my personal needs), but he also answered my many questions, helped fill in my form and assured that I could contact him after the fact if I had more questions or concerns.I was impressed with the ease of completion on documentation and the expediting of starting my program without delay.Thanks to Guatum! He was excellent.Jeffrey

Jennifer Collins

Cee Ccee

Chris was very knowledgable about insurance. He also explains everything clearly to me in order for me to make a good decision on what suits me best great experience

cathy laskar

My broker was Eric. He was great! Explained my options. Quick and efficient!

Vasiliki Charalabopoulos

Raquel Da Graca Archer

Insurdinary was the best choice. They provided us with a great quote and were quick to reach out and answer any and all questions. Our broker, George, was easy and pleasant to work with.

Aldon Smith

Lisa M Willms

My broker was Eric. He was very helpful and cordial. Eric guided me through the process and helped me choose the right package. He even called back at the designated time. I enjoyed the experience... who can say that when buying insurance!

Toya Kerr

The agent was very knowledgeable and helpful, I would recommend Christine to my family and friends. Ratings 10/10. Thank you Christine 😊 Latoya

Sharron Schock

Our contact, Gautham was knowledgeable with the different health plans. He simplified our choice by asking our current needs and he was detailed with explanations on the different options.Thank you Gautam.

tricia keleher

Coolbro66 Coolbro666

Thank you Christine for the great client service!! Friendly, fast call back. Patiently explains everything in detail. I feel good about the coverage I chose 😊 Alana Baxter

Natalie Forest

Gautam Khosla with Alliance Income was very helpful and thorough finding a company for Health Insurance. He wasn’t pushy at all which was very appreciated.

Lusciousdelight

Christine was very patient and helpful in assisting me in choosing the right plan for me. Her knowledge of the various services were quite impressive and as such I was able to choose a product that will work for me and within my budget.Sincerely appreciated her help.

Leeann Diamantopoulos

Michael Bastien

I felt George was very kind and helpful with helping us with the application. A big thank you!

Christine Valiquette

orlando martinez

melody sun

Customer service is quite satisfying. They check with my time when is convenient for talking and called me back with detailed explanations of the recommended plan. Thank you for making the whole process easier.

chen yc

Rhea Davis

Chris Magafas is very knowledgeable and was able to answer all my questions before setting up with my health insurance. I found his suggestions very helpful, and highly recommend him.

Shannon Das

The agent I spoke with was Tristan, and he was very helpful for me, as I had never done my own insurance before. He answered all of my questions and helped me through the process and was patient with me. amazing customer service !

Kari Essery

Chris was fantastic when we discussed the different plans available to me and what the costs would be. I had been researching different plans for about a month and was at an impasse. We narrowed down my priorities and picked a plan best suited to my needs. Thanks Chris!!

Hennessy Leggatt

Eric was absolutely amazing. He made the whole process quick and easy. He offered a few plans and helped me find the perfect plan for my needs within my budget.

Chris Pestano

Eric Clementi help me look for the right coverage I needed he took the time to help me find the right one. Would highly recomend him.Thank you

Daniel DeBiasio

I figured out a great insurance policy plan within a week with insurance Specialist Gautham Khosla who was very knowledgeable and helpful. He made me feel comfortable as I trusted his honest expert advice. I'm very thankful that I got an honest insurance specialist who made me get the exact insurance plan I desired.

trk

Bryce Jorger

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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)