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Best Canadian Credit Cards

Canada credit cards are offered by the authoritative credit company, and you can find competitive rates and no annual fee American Express offers available in Canada. Canada bank card applications presented here are mainly for people with good payment history, who are eager to open credit lines for business or consumer needs.

Canada residents may choose from a wide assortment of bank products such as credit offers with low APR, no fee plastics and frequent flyer mile cards. You can apply online for a bank card of your choice orienting on your individual needs.

We offer a considerable number of Canada card applications online, so you can be in the know of the latest bank products in the country. Contrast the features, terms and conditions of the available online applications to choose the best Canadian deal for you!

Sort Cards by:RatingIntro APR on Purch.Intro APR on Bal. Tr.Regular APRAnnual FeeGuar. ApprovalInst. Response
Excellent / Good Credit

Excellent/Good Credit
Required FICO score for this card: 700 to 850
You can apply if: you have a long and positive credit history with a mix of credit types, you keep your balances low and make on time payments.

This credit offer is only for people with Excellent or Good credit history.

Have Bad credit history? Click Here!

No credit history? Click Here!

Fair credit? Click Here!

Compare (45)
You've selected 45 cards for comparison. Click on "Compare" link to go to the full comparison list.
Key Feature: No Annual Fee
Expert Rating:
Summary of Card Features:
Intro APR on Purch.Intro APR on Bal. Tr.Regular APRAnnual FeeGuaranteed ApprovalInstant Response
n/a0% for your first
12 billing cycles
19.99%$0NoNo
Card Details:
  • 0% annual interest rate (AIR) on balance transfers* and deposits* for the first 12 full months.
  • Around-the-clock fraud protection.
  • Online access to your credit card account.
  • Unparalleled 24-hour customer service.
  • International acceptance at millions of locations.
  • No annual fee.
  • Enhanced security and protection with Chip & PIN technology and PayPass.
Our Expert Opinion
  • 0% intro annual interest rate on balance transfer.
  • No annual fee.

  • 1% (min. $7.50) fee on balance transfer.
See card details
Excellent / Good Credit

Excellent/Good Credit
Required FICO score for this card: 700 to 850
You can apply if: you have a long and positive credit history with a mix of credit types, you keep your balances low and make on time payments.

This credit offer is only for people with Excellent or Good credit history.

Have Bad credit history? Click Here!

No credit history? Click Here!

Fair credit? Click Here!

Compare (45)
You've selected 45 cards for comparison. Click on "Compare" link to go to the full comparison list.
Key Feature: No Annual Fee
Expert Rating:
Summary of Card Features:
Intro APR on Purch.Intro APR on Bal. Tr.Regular APRAnnual FeeGuaranteed ApprovalInstant Response
n/an/a9.99%$0NoNo
Card Details:
  • 9.99% annual interest rate on eligible purchases.
  • No annual fee.
  • Exclusive Platinum benefits and peace of mind.
  • Add authorized users at no additional cost.
  • Around-the-clock fraud protection.
  • Enhanced security and protection with Chip & Pin technology.
Our Expert Opinion
  • Low fixed interest rate.
  • Fraud protection.
  • Add authorized users for free.

See card details
Good Credit

Good Credit
Required FICO score for this card: 700 to 749
You can apply if: you missed a couple of payments a while back, your credit history is not long, or you declared a bankruptcy in the past, but now you manage your credit(s) perfectly, which cancelled out past credit troubles.

This credit offer is only for people with Excellent or Good credit history.

Have Bad credit history? Click Here!

No credit history? Click Here!

Fair credit? Click Here!

Compare (45)
You've selected 45 cards for comparison. Click on "Compare" link to go to the full comparison list.
Key Feature: Low 11.99% Interest Rate
Expert Rating:
Summary of Card Features:
Intro APR on Purch.Intro APR on Bal. Tr.Regular APRAnnual FeeGuaranteed ApprovalInstant Response
n/a0.99% for the first
6 months
11.99%$29NoNo
Card Details:
  • Low 11.99% interest rate.
  • Interest free grace period of at least 21 days on purchases.
  • Save hundreds of dollars a year.
  • Pay down balances faster.
  • Simplify your monthly payments.
  • 20% AVIS rental card discount.
Our Expert Opinion
  • Low interest rate credit card.
  • Save on AVIS car rentals.
  • Minimum credit limit of $500.

  • Has an annual fee.
See card details
Excellent / Good Credit

Excellent/Good Credit
Required FICO score for this card: 700 to 850
You can apply if: you have a long and positive credit history with a mix of credit types, you keep your balances low and make on time payments.

This credit offer is only for people with Excellent or Good credit history.

Have Bad credit history? Click Here!

No credit history? Click Here!

Fair credit? Click Here!

Compare (45)
You've selected 45 cards for comparison. Click on "Compare" link to go to the full comparison list.
Key Feature: Up to 5% Cash Back
Expert Rating:
Summary of Card Features:
Intro APR on Purch.Intro APR on Bal. Tr.Regular APRAnnual FeeGuaranteed ApprovalInstant Response
n/a1.99% for your first
10 billing cycles
19.99%$0NoNo
Card Details:
  • Up to 5% cash back on all of your eligible gas and grocery purchases for the first 6 months‡.
  • Up to 2% cash back on eligible gas and grocery purchases thereafter‡.
  • And, up to 1% cash back on all of your other eligible purchases‡.
  • 1.99% annual interest rate† (AIR) on balance transfers* and deposits* for the first 10 full months.
  • Enjoy free online access to your credit card account.
  • And, with no annual fee and free additional cards you´ll start to see the benefits right away.
  • Rewarding yourself is easy.
  • Once your cash back totals at least $50 at the end of a monthly billing cycle, we´ll automatically mail you a cheque‡ - it´s that simple.
Our Expert Opinion
  • Generous cash back rewards.
  • Low intro interest rate on balance transfers.
  • Free additional cards.

See card details
Excellent / Good Credit

Excellent/Good Credit
Required FICO score for this card: 700 to 850
You can apply if: you have a long and positive credit history with a mix of credit types, you keep your balances low and make on time payments.

This credit offer is only for people with Excellent or Good credit history.

Have Bad credit history? Click Here!

No credit history? Click Here!

Fair credit? Click Here!

Compare (45)
You've selected 45 cards for comparison. Click on "Compare" link to go to the full comparison list.
Key Feature: No Annual Fee
Expert Rating:
Summary of Card Features:
Intro APR on Purch.Intro APR on Bal. Tr.Regular APRAnnual FeeGuaranteed ApprovalInstant Response
n/a1.99% for your first
10 billing cycles
17.99%$0NoNo
Card Details:
  • Earn Harley-Davidson® Genuine Rewards that are redeemable for Harley Chrome® Cash.
  • Redeem your Harley Chrome® Cash at any authorized participating Harley-Davidson® retailer nationwide.
  • Use your card for eligible net retail purchases and you could enjoy entries into the quarterly Harley-Davidson® motorcycle contest click here for official rules.
  • No annual fee.
  • Credit limits up to $100,000.
  • Around the clock fraud protection.
  • Enhanced security and protection with Chip & PIN technology and PayPass.
Our Expert Opinion
  • Apply to win a new Harley-Davidson® motorcycle.
  • Get high credit limit.
  • Earn rewards to redeem for Harley Chrome® Cash.

  • No 0% interest introductory period on balance transfers.
See card details
Excellent Credit

Excellent Credit
Required FICO score for this card: 750 to 850
You can apply if: you have not been late on any credit card or loan in the last year and make timely payments, you have long lasting credit history and high credit limit; you have never declared a bankruptcy or defaulted loan.

This credit offer is only for people with Excellent credit history.

Have Bad credit history? Click Here!

No credit history? Click Here!

Fair credit? Click Here!

Compare (45)
You've selected 45 cards for comparison. Click on "Compare" link to go to the full comparison list.
Key Feature: Maximum Cash Back on Everyday Spending
Expert Rating:
Summary of Card Features:
Intro APR on Purch.Intro APR on Bal. Tr.Regular APRAnnual FeeGuaranteed ApprovalInstant Response
n/an/a19.99%$99 annual fee waived
for the first year for accounts opened by June 30, 2014.
NoNo
Card Details:
  • 4% on eligible gas station and grocery store purchases.
  • 2% on drug store purchases and recurring bills.
  • 1% cash back on all other eligible purchases.
  • VISA Infinite Complimentary Concierge Service - available 24/7.
  • Access to VISA Infinite Luxury Hotel Collection.
  • VISA Infinite Dining Series - Unique dining experiences in some of Canada´s top restaurants.
  • Special access to unique offers and experiences.
  • Rental car collision insurance.
  • Purchase security and extended warranty protection.
Our Expert Opinion
  • The maximum Scotia Momentum cash back.
  • Minimum credit limit of $5,000.
  • Save at participating AVIS car rental locations worldwide.

  • Has an annual fee.
See card details
Excellent / Good Credit

Excellent/Good Credit
Required FICO score for this card: 700 to 850
You can apply if: you have a long and positive credit history with a mix of credit types, you keep your balances low and make on time payments.

This credit offer is only for people with Excellent or Good credit history.

Have Bad credit history? Click Here!

No credit history? Click Here!

Fair credit? Click Here!

Compare (45)
You've selected 45 cards for comparison. Click on "Compare" link to go to the full comparison list.
Key Feature: No Annual Fee
Expert Rating:
Summary of Card Features:
Intro APR on Purch.Intro APR on Bal. Tr.Regular APRAnnual FeeGuaranteed ApprovalInstant Response
n/a1.99% for your first
10 billing cycles
19.99%$0NoNo
Card Details:
  • No annual fee.
  • On top of 2¢ per litre of gas earned in CAA-Quebec Dollars when you show your CAA-Quebec membership card at the Couche-Tard counter, receive up to 2% in CAA-Quebec Dollars on all your eligible purchases - including gas - at participating Couche-Tard outlets.
  • Earn up to 1% in CAA-Quebec Dollars on your other eligible purchases.
  • 1.99% annual interest rate (AIR) on balance transfers* and deposits* for the first 10 full months.
  • Unparalleled 24-hour customer service.
  • Online access to your credit card account.
  • International acceptance at millions of locations.
  • Enhanced security and protection with Chip & Pin technology and PayPass.
Our Expert Opinion
  • Low promotional interest rate.
  • No annual fee.
  • 2% rebate on gas and other purchases.

  • Available for CAA-Quebec members only.
See card details
Good Credit

Good Credit
Required FICO score for this card: 700 to 749
You can apply if: you missed a couple of payments a while back, your credit history is not long, or you declared a bankruptcy in the past, but now you manage your credit(s) perfectly, which cancelled out past credit troubles.

This credit offer is only for people with Excellent or Good credit history.

Have Bad credit history? Click Here!

No credit history? Click Here!

Fair credit? Click Here!

Compare (45)
You've selected 45 cards for comparison. Click on "Compare" link to go to the full comparison list.
Key Feature: Essential Travel Benefits with No Annual Fee
Expert Rating:
Summary of Card Features:
Intro APR on Purch.Intro APR on Bal. Tr.Regular APRAnnual FeeGuaranteed ApprovalInstant Response
n/an/a19.99%$0NoNo
Card Details:
  • Rental Car Collision Insurance.
  • 20% discount rates at Avis Car Rental.
  • Commission-free Travellers Cheques.
Our Expert Opinion
  • Travel benefits at no annual fee.
  • Minimum credit limit of $5,000.
  • Emergency travel assistance.

  • No rewards program.
See card details
Excellent / Good Credit

Excellent/Good Credit
Required FICO score for this card: 700 to 850
You can apply if: you have a long and positive credit history with a mix of credit types, you keep your balances low and make on time payments.

This credit offer is only for people with Excellent or Good credit history.

Have Bad credit history? Click Here!

No credit history? Click Here!

Fair credit? Click Here!

Compare (45)
You've selected 45 cards for comparison. Click on "Compare" link to go to the full comparison list.
Key Feature: Receive 20,000 Bonus Best Western Rewards Points
Expert Rating:
Summary of Card Features:
Intro APR on Purch.Intro APR on Bal. Tr.Regular APRAnnual FeeGuaranteed ApprovalInstant Response
n/a1.99% for your first
10 billing cycles
19.99%$0NoNo
Card Details:
  • Earn Best Western Rewards points for your everyday expenses!
  • Receive 20,000 bonus Best Western Rewards points after your first eligible purchase.
  • Earn 1.5 Best Western Rewards points for every $1 in eligible purchases.
  • Receive 50 Best Western Rewards points for every cash advance transaction over $50.
  • Receive a one tier elite status upgrade within the Best Western Rewards program when you spend $6,000 on your card within one year.
  • Earn even more Best Western Rewards points by staying at Best Western hotels or spending with our retail partners.
Our Expert Opinion
  • Expanded rewards program.
  • No annual fee.
  • Reasonable annual interest rate.

See card details

Wide Range of Credit Cards for Canadians

To make a credit card application online, make sure you are eligible for the chosen bank offer (e.g. unsecured or rewards credit card applications). Evaluate the terms and conditions of each product presented to make the right choice when making the application.

If you expect credit companies to offer instant approval for bank products for fair or bad credit, issued in Canada, unfortunately you won't find them here.

Canada applications require good credit rating, so we do not provide customers with secured credit card applications. Though bad credit card applications in Canada, cards for fair credit (including secured credit offers in Canada) and no credit products are a frequent request at the site, still, there are no applications for these products.

You can rather find a credit card application with balance transfer or some rewards than a secured Visa product for Canada residents or any other deal for bad payment history. So, select a Canadian bank offer for good payment record and satisfy your personal needs applying online for it.

Like all other online credit card applications, opening a Canada credit line implies filling out a form, after which the bank decides whether or not to approve you. The procedure of making online applications is quick and safe. If you are choosing a most profitable application form online, you have convenient charts and easy online tools for comparing Canada applications available.

On the site customers can also find bank offers with cash back, as well as gasoline and hotel credit offers available through MasterCard or Visa card applications. Get the best bank credit offers to apply - instant online approval and balance transfer credit cards. Or you can choose among bank student credit offers.

Our Experts about Canadian Credit Cards

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Questions & Answers about
Canadian Credit Cards

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Leo Zhu
Credit-Land Expert on Credit Cards

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