Credit-Land.com is an independent, advertising-supported web site. Credit-Land.com receives compensation from most credit card issuers whose offers appear on our site. Compensation from our advertising partners impacts how and where their products appear on our site, including, for example, the order in which they may appear within review lists. Credit-Land.com has not reviewed all available credit card offers in the marketplace.
January 2021. 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 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. Contrast the features, terms and conditions of the available online applications to choose the best Canadian deal for you!
- Top for January 2021
- Mastercard
- Visa
- No Annual Fee
our choice
- Earn 25,000 bonus Scotia Rewards points with your first $1,000 in everyday purchases in first 3 months†
- Earn 5 Scotia Rewards points for every $1 you spend at eligible grocery stores, dining and entertainment
- Earn 3 Scotia Rewards points for every $1 you spend at eligible gas stations, daily transit, and select streaming services
- Earn 1 point for every $1 you spend on all other eligible everyday purchases
- Complimentary Concierge Services 24/7
- Amex exclusive benefits (Front Of The Line)
- Rates, fees, offers and other information are effective as of Nov 1, 2020. Subject to change.
our choice
our choice
- Fast, Flexible & Straightforward Loans.
- Borrow $2,000 - $10,000 with bad credit
- Safe and secure loan application, get approved in 60 seconds
- No early settlement fees
- 100% online application
our choice
our choice
- Search multiple lenders and get approved at the best rate and terms
- Get approved in 5 minutes, with same-day funding
- Terms range from 6 to 60 months with rates starting at 10% APR
- Whether you have poor, excellent or no credit we have a lender that fits your needs
our choice
our choice
- Earn 10% cash back on all purchases for the first 3 months (up to $2,000 in total purchases). Plus, no annual fee in the first year, including on supplementary cards.1 A welcome offer value of $350.†
- 4% on eligible recurring bill payments and grocery store purchases
- 2% on eligible gas station and daily transit purchases
- 1% cash back on all other eligible everyday purchases
- Complimentary Concierge Services 24/7
- Visa Infinite Dining Series
- Visa Infinite Music Series
- Wine Country Wonders
- Luxury Hotel Privileges
- Comprehensive Travel Insurance & New Mobile Device Insurance coverage
- Rates, fees and other information are effective as of Nov 1, 2020. Subject to change.
our choice
our choice
(30 days)*
(30 days)*
- Earn 0.50% Money-Back Rewards on all other purchases.
- Have your Money-Back Rewards deposited into a Tangerine Savings Account, and get a 3rd 2% Money-Back Category.
- Money-Back Rewards are earned automatically and paid monthly, and can either be applied towards your Credit Card balance or redeemed into your Savings Account.
- No limit on the amount of Money-Back Rewards you can earn.
- Change your 2% Money-Back Categories to suit your spending.162
our choice
our choice
- 7.99% introductory interest rate on purchases for the first 6 months (19.99% after that; annual fee $0)◊
- Cash back on everyday spending with no annual fee
- 1% cash back on eligible gas station, grocery store and drug store purchases and recurring bill payments
- 0.5% cash back on all other eligible everyday purchases
- Rates, fees and other information are effective as of Nov 1, 2020. Subject to change.
our choice
our choice
(30 days)*
(30 days)*
- Have your Money-Back Rewards deposited into a Tangerine Savings Account, and get a 3rd 2% Money-Back Category.
- Money-Back Rewards are earned automatically and paid monthly, and can either be applied towards your Credit Card balance or redeemed into your Savings Account.
- No limit on the amount of Money-Back Rewards you can earn.
- Change your 2% Money-Back Categories to suit your spending.
- Orange Alerts are emailed to you so that you’re up-to-date on what's happening in your Account.162
our choice
our choice
- Earn 2,500 bonus SCENE points with your first $500 in everyday purchases in first 3 months◊
- Earn 1 SCENE point for every $1 you spend on credit card purchases
- Earn 5 SCENE points for every $1 you spend on SCENE Visa purchases at participating Cineplex Entertainment theatres or online at cineplex.com
- Rates, fees and other information are effective as of Nov 1, 2020. Subject to change.
our choice
our choice
- Earn 5,000 bonus Scotia Rewards points with your first $500 in everyday purchases in first 3 months◊
- Earn one Scotia Rewards point on all eligible everyday purchases
- Flexible Point Redemption
- Rates, fees and other information are effective as of Nov 1, 2020. Subject to change.
our choice
our choice
- 2.99% introductory interest rate on balance transfers for the first 6 months (22.99% after that; annual fee $39)◊
- Cash back with low annual fee
- 2% on eligible gas station, grocery store and drug store purchases and recurring bill payments
- 1% cash back on all other eligible everyday purchases
- Rates, fees and other information are effective as of Nov 1, 2020. Subject to change.
our choice
our choice
(30 days)*
(30 days)*
- Have your Money-Back Rewards deposited into a Tangerine Savings Account, and get a 3rd 2% Money-Back Category.
- Money-Back Rewards are earned automatically and paid monthly, and can either be applied towards your Credit Card balance or redeemed into your Savings Account.
- No limit on the amount of Money-Back Rewards you can earn.
- Change your 2% Money-Back Categories to suit your spending.
- Orange Alerts are emailed to you so that you’re up-to-date on what's happening in your Account.162
our choice
our choice
(30 days)*
(30 days)*
- Earn 0.50% Money-Back Rewards on all other purchases.
- Have your Money-Back Rewards deposited into a Tangerine Savings Account, and get a 3rd 2% Money-Back Category.
- Money-Back Rewards are earned automatically and paid monthly, and can either be applied towards your Credit Card balance or redeemed into your Savings Account.
- No limit on the amount of Money-Back Rewards you can earn.
- Change your 2% Money-Back Categories to suit your spending.162
our choice
our choice
- Earn 10% cash back on all purchases for the first 3 months (up to $2,000 in total purchases). Plus, no annual fee in the first year, including on supplementary cards.1 A welcome offer value of $350.†
- 4% on eligible recurring bill payments and grocery store purchases
- 2% on eligible gas station and daily transit purchases
- 1% cash back on all other eligible everyday purchases
- Complimentary Concierge Services 24/7
- Visa Infinite Dining Series
- Visa Infinite Music Series
- Wine Country Wonders
- Luxury Hotel Privileges
- Comprehensive Travel Insurance & New Mobile Device Insurance coverage
- Rates, fees and other information are effective as of Nov 1, 2020. Subject to change.
our choice
our choice
- Earn 2,500 bonus SCENE points with your first $500 in everyday purchases in first 3 months◊
- Earn 1 SCENE point for every $1 you spend on credit card purchases
- Earn 5 SCENE points for every $1 you spend on SCENE Visa purchases at participating Cineplex Entertainment theatres or online at cineplex.com
- Rates, fees and other information are effective as of Nov 1, 2020. Subject to change.
our choice
our choice
- 7.99% introductory interest rate on purchases for the first 6 months (19.99% after that; annual fee $0)◊
- Cash back on everyday spending with no annual fee
- 1% cash back on eligible gas station, grocery store and drug store purchases and recurring bill payments
- 0.5% cash back on all other eligible everyday purchases
- Rates, fees and other information are effective as of Nov 1, 2020. Subject to change.
our choice
our choice
- Earn 5,000 bonus Scotia Rewards points with your first $500 in everyday purchases in first 3 months◊
- Earn one Scotia Rewards point on all eligible everyday purchases
- Flexible Point Redemption
- Rates, fees and other information are effective as of Nov 1, 2020. Subject to change.
our choice
our choice
- 2.99% introductory interest rate on balance transfers for the first 6 months (22.99% after that; annual fee $39)◊
- Cash back with low annual fee
- 2% on eligible gas station, grocery store and drug store purchases and recurring bill payments
- 1% cash back on all other eligible everyday purchases
- Rates, fees and other information are effective as of Nov 1, 2020. Subject to change.
our choice
our choice
- 0.99% introductory interest rate on balance transfers for the first 6 months (12.99% after that; annual fee $29)◊
- Save hundreds of dollars in interest a year
- Low 12.99% interest rate
- Pay down balances faster
- Simplify your monthly payments
- Rates, fees and other information are effective as of Nov 1, 2020. Subject to change.
our choice
our choice
(30 days)*
(30 days)*
- Earn 0.50% Money-Back Rewards on all other purchases.
- Have your Money-Back Rewards deposited into a Tangerine Savings Account, and get a 3rd 2% Money-Back Category.
- Money-Back Rewards are earned automatically and paid monthly, and can either be applied towards your Credit Card balance or redeemed into your Savings Account.
- No limit on the amount of Money-Back Rewards you can earn.
- Change your 2% Money-Back Categories to suit your spending.162
our choice
our choice
- 7.99% introductory interest rate on purchases for the first 6 months (19.99% after that; annual fee $0)◊
- Cash back on everyday spending with no annual fee
- 1% cash back on eligible gas station, grocery store and drug store purchases and recurring bill payments
- 0.5% cash back on all other eligible everyday purchases
- Rates, fees and other information are effective as of Nov 1, 2020. Subject to change.
our choice
our choice
(30 days)*
(30 days)*
- Have your Money-Back Rewards deposited into a Tangerine Savings Account, and get a 3rd 2% Money-Back Category.
- Money-Back Rewards are earned automatically and paid monthly, and can either be applied towards your Credit Card balance or redeemed into your Savings Account.
- No limit on the amount of Money-Back Rewards you can earn.
- Change your 2% Money-Back Categories to suit your spending.
- Orange Alerts are emailed to you so that you’re up-to-date on what's happening in your Account.162
our choice
our choice
- Earn 2,500 bonus SCENE points with your first $500 in everyday purchases in first 3 months◊
- Earn 1 SCENE point for every $1 you spend on credit card purchases
- Earn 5 SCENE points for every $1 you spend on SCENE Visa purchases at participating Cineplex Entertainment theatres or online at cineplex.com
- Rates, fees and other information are effective as of Nov 1, 2020. Subject to change.
our choice
our choice
- Earn 5,000 bonus Scotia Rewards points with your first $500 in everyday purchases in first 3 months◊
- Earn one Scotia Rewards point on all eligible everyday purchases
- Flexible Point Redemption
- Rates, fees and other information are effective as of Nov 1, 2020. Subject to change.
our choice
wide range OF CREDIT CARDS
FOR CANADIANS
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. You can apply online for a bank card of your choice orienting on your individual needs. 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 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 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 the 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.
questionsABOUT
CREDIT CARDS
How to get the best credit card?
With the credit card issuers coming up with newer plans and strategies every passing day, there is no dearth of good deals in the market today. But not all deals are suitable for all customers. There are many factors...
Read moreAre there any cards available to Canadians?
We can recommend you consider Canadian credit card offers from our partners. Make sure you chose the card that corresponds to your credit score.
Read moreHow do store credit cards work?
Store credit cards are credit accounts that are offered by retailers together with credit card issuing companies. Their usage is usually limited to the issuing store. That means you won’t be able to use store cards...
Read more
commentsABOUT
CANADIAN CREDIT CARDS
must read FEATURED NEWS
AND RELATED RESEARCH
The tax-filing season usually starts in late January, and the deadline to file taxes comes on April...
The COVID-19 pandemic has made significant changes not only in people's lives and their financial...