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Best Canadian Credit Cards: May 2022

Here you can find Canada credit cards from some of the popular credit card companies in Canada. Whether you are looking for competitive rates or American Express credit card offers, best rewards credit cards or balance transfer credit cards, we have you covered. Mastercard and Visa credit cards are also available. Canada residents can choose from a wide assortment of bank products from prepaid cards and personal loans to credit card offers to find the best deal!
Please note that all credit offers on this page are for Canadian citizens only. If you are an American resident or citizen, please see the best US credit card offers.

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  • Top for May 2022
  • Rewards
  • No Annual Fee
  • Personal Loans
Rating
Intro APR on Purch. Period
Intro APR on Bal. Tr. Period
Avg. Regular APR
Annual Fee
Hide

our choice

Rating 4.1

  • Earn 10% cash back on all purchases for the first 3 months (up to $2,000 in total purchases). No annual fee in the first year, including on supplementary cards.
  • Get a 2.99% introductory interest rate on purchases and balance transfers for the first 6 months (20.99% on purchases/22.99% on cash advances including balance transfers after that; annual fee $120).
  • Comprehensive Travel Insurance and New Mobile Device Insurance.
  • Earn 4% for every $1 you spend on grocery store purchases, recurring bill payments, and subscription purchases.
  • Earn 2% for every $1 you spend on gas purchases and daily transit purchases.
  • Earn 1% cash back on all other purchases with no cash back limit.

our choice

2.99%
Intro APR on Purchases & Balance Transfers
Intro APR on Purchases
2.99% (6 months)
Intro APR on Balance Transfer
2.99% (6 months)
Regular APR
20.99%
Balance Transfer Fee
See terms*
Great Reward Bonus
Bonus Offer
Earn 10% cash back on all purchases for the first 3 months (up to $2,000 in total purchases).
Max. Rewards
Earn 4% for every $1 you spend on grocery store purchases, recurring bill payments, and subscription purchases.
Rewards expiration
Do not expire as long as you are a Cardholder
Earn More
on Your
Daily Spending
Rewards on everyday purchases
Earn 1% cash back on all other purchases with no cash back limit.
Redemption Options
Scotia Momentum cash back will be calculated and credited in Canadian dollars and can be used for purchases
Rewards Transfer
See terms*

our choice

Rating 4.3

  • Loans from $500 to $50,000
  • Terms from 6-60 months
  • Rates as low as 5.75% APR
  • Apply in as little as 60 seconds
  • Completing the application will not affect the consumer's credit score

our choice

Loans up to
$50,000
Minimum Loan Amount
$500
Maximum Loan Amount
$50,000
Term of Loan
Terms from 6-60 months
Low Rates
APR
Rates as low as 5.75% APR
Great Features
Credit Check
No
Instant Response
Yes
Credit Agencies Report
Yes

our choice

Rating 4.2

  • Redeem your $15 Welcome Bonus plus your $10 Paperless Statement Bonus and use the $25 to save at Walmart.
  • Earn Walmart Reward DollarsTM even faster: 3% at Walmart.ca, 1.25% at gas stations, 1.25% at Walmart stores in Canada, 1% everywhere else.
  • There’s no limit to how much you can earn.
  • No Annual Fee.
  • Get emergency cash, replace your lost or stolen card, and more 24/7 anywhere in the world.
  • You can redeem your Walmart RewardTM Dollars for anything Walmart sells online or in-store. That includes Walmart Marketplace and Online Grocery purchases at Walmart.ca.

our choice

$0
Annual Fee
Annual Fee
None
Foreign Transaction Fee
2.5%
Late Payment Fee
N/A
Earn More
on Your
Daily Spending
Rewards on everyday purchases
Earn Walmart Reward DollarsTM even faster: 3% at Walmart.ca, 1.25% at gas stations, 1.25% at Walmart stores in Canada, 1% everywhere else.
Max. Rewards
3% at Walmart.ca
Rewards expiration
Do not expire as long as your account is open.

our choice

Rating 3.8

  • Earn up to 45,000 bonus Scene+ points in your first year (that’s up to $450 towards travel). Plus, no annual fee in the first year, including on supplementary cards and get a 0.00% introductory interest rate on balance transfers for the first 6 months (22.99% after that; annual fee $120) (1% balance transfer fee).
  • The only major bank that saves you 2.5% on foreign transaction fees.
  • You will not pay 2.5% foreign transaction fees on any foreign currency purchases, including online shopping and when travelling abroad. Only the exchange rate applies.
  • Earn 5 Scene+ points for every $1 CAD spent on eligible grocery stores, restaurants, fast food, and drinking establishments. Includes popular food delivery and food subscriptions.
  • Earn 3X Scene+ points for every $1 CAD spent on eligible gas and daily transit. Includes rideshare, buses, taxis, subway, and more.
  • Earn 3X Scene+ points for every $1 CAD spent on eligible select streaming services.
  • Earn 1 point for every $1 you spend on all other eligible everyday purchases.
  • Save 2.5% while cross-border shopping online.

our choice

0%
Intro APR on Balance Transfers
Intro APR on Balance Transfer
0.00% (6 months)
Regular APR
22.99%
Balance Transfer Fee
See terms*
45,000
Bonus
Scene+ points
Bonus Offer
Earn up to 45,000 bonus Scene+ points in your first year (that’s up to $450 towards travel).
Up to
5X
Points
Bonus Offer
Earn up to 45,000 bonus Scene+ points in your first year (that’s up to $450 towards travel).
Max. Rewards
Earn 5 Scene+ points for every $1 CAD spent on eligible grocery stores, restaurants, fast food, and drinking establishments. Includes popular food delivery and food subscriptions.
Rewards on everyday purchases
Earn 1 point for every $1 you spend on all other eligible everyday purchases.
Rewards expiration
Do not expire as long as you are a Cardholder
Apply for goPeer - Credit-Land.com APPLY

Excellent/Good/Fair Credit

our choice

Rating 4.6

  • Loans from $1,000 to $25,000
  • Rates as low as 8% APR
  • Helps Canadians achieve their financial goals
  • There are no management, brokerage account, or transaction fees.

our choice

Loans up to
$25,000
Minimum Loan Amount
$1,000
Maximum Loan Amount
$25,000
Term of Loan
36 or 60 months
Low Rates
APR
Rates starting from 8% APR

our choice

Rating 4.4

  • Apply for a Tangerine Money-Back Credit Card by May 31st, 2022 and earn an extra 10% back (up to $100) when you spend up to $1,000 in everyday purchases within your first 2 months.*
  • Earn 2% Money-Back Rewards on purchases in two 2% Money-Back Categories of your choice, and 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.
  • No limit on the amount of Money-Back Rewards you can earn.
  • Change your 2% Money-Back Categories to suit your spending.206

our choice

Great Rewards
Bonus Offer
Apply for a Tangerine Money-Back Credit Card by May 31st, 2022 and earn an extra 10% back (up to $100) when you spend up to $1,000 in everyday purchases within your first 2 months.*
Max. Rewards
Earn 2% Money-Back Rewards on purchases in two 2% Money-Back Categories of your choice, and 0.50% Money-Back Rewards on all other purchases.
Rewards expiration
See terms
1.95%
Intro APR on Purchases & Balance Transfers
Intro APR on Purchases
1.95%
(30 days)*
Intro APR on Balance Transfer
1.95%
(30 days)*
Regular APR
19.95%*
Balance Transfer Fee
3.00% of the amount transferred, or minimum of $5.00
$0
Annual Fee
Annual Fee
$0*
Foreign Transaction Fee
2.50%
Late Payment Fee
See Terms

our choice

Rating 4.1

  • Redeem your $15 Welcome Bonus plus your $10 Paperless Statement Bonus and use the $25 to save at Walmart.
  • Earn Walmart Reward DollarsTM on all your purchases: 1.25% at Walmart stores and online at Walmart.ca, 1% аt any gas station, 1% everywhere else.
  • There’s no limit to how much you can earn.
  • No Annual Fee.
  • Get emergency cash, replace your lost or stolen card, and more 24/7 anywhere in the world.
  • You can redeem your Walmart RewardTM Dollars for anything Walmart sells online or in-store. That includes Walmart Marketplace and Online Grocery purchases at Walmart.ca.

our choice

Great Rewards
Bonus Offer
Redeem your $15 Welcome Bonus plus your $10 Paperless Statement Bonus and use the $25 to save at Walmart.
Max. Rewards
1.25% at Walmart stores and online at Walmart.ca
Rewards expiration
Do not expire as long as your account is open.
$0
Annual Fee
Annual Fee
None
Foreign Transaction Fee
2.5%
Late Payment Fee
N/A

our choice

Rating 4.2

  • Helps users build credit and save money207
  • Not a cash loan
  • A 'set it and forget it’ solution for building credit
  • Approval with no credit check
  • Can be approved without a co-signer
  • Access to financial education
  • Paid Referral Program - $100 for every person that signs up for a Credit Builder Loan
  • Reports to both credit bureaus

our choice

Loans up to
$10,000
Minimum Loan Amount
$1,250
Maximum Loan Amount
$10,000
Term of Loan
36 months or 60 months
No Credit Check
Credit Check
No
Instant Response
No
Credit Agencies Report
Yes
Reporting
to the Major Consumer Reporting Agencies
Credit Check
No
Instant Response
No
Credit Agencies Report
Yes

our choice

Rating 4.3

  • Earn 50 green satoshi rewards (bits of bitcoin) with every tap of your MogoCard and watch it grow over time.
  • With each tap there will also be a tree planted.
  • Control your spending.
  • No debt. No credit impact.
  • Free monthly credit score monitoring and identity fraud protection.
  • No annual fee. You won’t have to put down any fees to sign up for this card.

our choice

Visa
prepaid card
Card Network
Visa®
Activation Fee
See terms
Paper Statement Fee
See terms
No Credit Check
Instant Response
No
Guaranteed Approval
Yes!
Credit Check
No

our choice

Rating 3.8

  • Special offer - 0% APR for the first 3 months. Upon sign up, new customers get 5000 Reward Points ≈ $20.00 redeemable after 3 months*
  • Plastk Reward Points on everyday purchases
  • Quick and easy application process
  • Simple way to pay
  • Cash advances
  • Worldwide acceptance
  • Accepted at hotels and car rentals
  • Easy access to premium rewards
  • Helps improve credit score and knowledge
  • For every $1 spent, earn 1 point

our choice

5,000
Bonus
points
Bonus Offer
Special offer - 0% APR for the first 3 months. Upon sign up, new customers get 5000 Reward Points ≈ $20.00 redeemable after 3 months*
17.99%
APR on Purchases
Annual Fee
$48.00
Regular APR
17.99%
Late Payment Fee
See terms
Reporting
to the Major Consumer Reporting Agencies
Build Credit
Yes
Instant Response
No
Card Usage
Use Anywhere

our choice

Rating 4.2

  • Earn up to 35,000 bonus Scene+ points in your first year (that’s up to $350 towards travel). Plus, no annual fee in the first year, including on supplementary cards and 2.99% introductory interest rate on purchases and balance transfers for the first 6 months (19.99% on purchases/22.99% on cash advances including balance transfers after that; annual fee $139)
  • Earn 20,000 bonus Scene+ points when you spend $1,000 in everyday eligible purchases in the first 3 months.
  • Earn 10,000 bonus Scene+ points when you spend at least $40,000 in everyday eligible purchases annually.
  • Redeem your Scene+ points towards statement credits, travel, the latest tech, gift cards and more!

our choice

20,000
Bonus
Scene+ points
Bonus Offer
Earn 20,000 bonus Scene+ points when you spend $1,000 in everyday eligible purchases in the first 3 months.
Earn More
on Your
Daily Spending
Rewards on everyday purchases
Earn 1 Scene+ point on every $1 you spend on all other eligible purchases.
Max. Rewards
Earn 2 Scene+ points on every $1 you spend on eligible grocery stores, dining, entertainment purchases, and daily transit purchases (including buses, subways, taxis and more).
Rewards expiration
Do not expire as long as you are a Cardholder
2.99%
Intro APR on Purchases & Balance Transfers
Intro APR on Purchases
2.99% (6 months)
Intro APR on Balance Transfer
2.99% (6 months)
Regular APR
19.99%
Balance Transfer Fee
See terms*

our choice

Rating 4.3

  • Get your loan offer in as little 3 minutes.
  • No impact to your credit score to check your rate with Mogo.
  • No obligation to take the loan.
  • Checking your rate also gets you free credit score monitoring and free ID fraud protection ($240 a year value).
  • Completely digital application, no need to go into a store/location.
  • Receive your loan funds as soon as the same day.
  • No pre-payment penalties, pay the loan off or make additional payments towards the outstanding principal balance at any time.
  • Your information is safe and secure, Mogo uses bank level security.
  • Get access to other great products including the free MogoCard.
  • Overtime as you build your relationship with Mogo you can gain access to increased credit.

our choice

Loans up to
$35,000
Minimum Loan Amount
$500
Maximum Loan Amount
$35,000
Term of Loan
See terms
Free Credit Score Monitoring
Credit Score Monitoring
Checking your rate also gets you free credit score monitoring and free ID fraud protection ($240 a year value).
Great Features
Credit Check
Yes
Instant Response
Yes
Credit Agencies Report
Yes

our choice

Rating 3.9

  • Earn 5% cash back on all purchases for the first 3 months (up to $2,000 in total purchases). Plus, get a 2.99% introductory interest rate on balance transfers for the first 6 months (22.99% after that; annual fee $0)
  • Earn 1% cash back on all eligible gas stations, grocery stores, drug stores purchases and recurring payments.
  • Earn 0.5% cash back on all other eligible purchases.

our choice

2.99%
Intro APR on Balance Transfers
Intro APR on Balance Transfer
2.99% (6 months)
Regular APR
22.99%
Balance Transfer Fee
See terms*
Great Rewards
Bonus Offer
Earn 5% cash back on all purchases for the first 3 months (up to $2,000 in total purchases).
Max. Rewards
Earn 1% cash back on all eligible gas stations, grocery stores, drug stores purchases and recurring payments.
Rewards expiration
Do not expire as long as you are a Cardholder
$0
Annual Fee
Annual Fee
$0
Foreign Transaction Fee
2.5%
Late Payment Fee
See terms*

our choice

Rating 4.5

  • Earn enormous bonuses—like 15% cashback—on your first purchase at most partners.
  • Earn an average 5% unlimited cashback at thousands of local and national Neo partners.
  • Earn at least 1% back across all purchases. If your overall cashback falls below 1%, we’ll top you up.
  • No annual, monthly or overlimit fees.
  • Apply in 3 minutes and once approved, you can use your Neo credit card instantly via Apple Play or Google Pay.

our choice

Great Rewards
Bonus Offer
Earn enormous bonuses—like 15% cashback—on your first purchase at most partners.
Max. Rewards
Earn an average 5% unlimited cashback at thousands of local and national Neo partners.
Rewards expiration
See terms
$0
Annual Fee
Annual Fee
$0
Foreign Transaction Fee
See terms
Late Payment Fee
See terms
Instant Response
Instant Response
Yes
Card Network
Mastercard®
Credit Check
Yes

our choice

Rating 4.2

  • Guaranteed approval card that earns you cashback.
  • Get an average 5% unlimited cashback at thousands of Neo partners, a minimum 1% back across all purchases, plus earn enormous bonuses - like 15% cashback on your first purchase at most partners.
  • No monthly or annual fees for free. Standard rewards plans.
  • Cash out your rewards at any time.
  • No hard credit check required to join.

our choice

Earn Up to
5%
Cash Back
Max. Rewards
Get an average 5% unlimited cashback at thousands of Neo partners
Rewards on everyday purchases
1% minimum cashback guarantee across all purchases
Bonus Offer
Earn enormous bonuses - like 15% cashback on your first purchase at most partners.
$0
Annual Fee
Annual Fee
$0
Foreign Transaction Fee
See terms
Late Payment Fee
See terms

our choice

Rating 4.3

  • Apply for a Tangerine World Mastercard® by May 31st, 2022 and earn an extra 10% back* (up to $100) when you spend up to $1,000 in everyday purchases within your first 2 months.
  • Earn 2% Money-Back Rewards on purchases in two 2% Money-Back Categories of your choice, and 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.
  • 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

1.95%
Intro APR on Purchases & Balance Transfers
Intro APR on Purchases
1.95%
(30 days)*
Intro APR on Balance Transfer
1.95%
(30 days)*
Regular APR
19.95%*
Balance Transfer Fee
3.00% of the amount transferred, or minimum of $5.00
Great Rewards
Bonus Offer
Apply for a Tangerine World Mastercard® by May 31st, 2022 and earn an extra 10% back* (up to $100) when you spend up to $1,000 in everyday purchases within your first 2 months.
Max. Rewards
Earn 2% Money-Back Rewards on purchases in two 2% Money-Back Categories of your choice, and 0.50% Money-Back Rewards on all other purchases.
Rewards expiration
See terms
$0
Annual Fee
Annual Fee
$0*
Foreign Transaction Fee
2.50%
Late Payment Fee
See terms

our choice

Rating 3.5

  • Guaranteed Approval207
  • No credit checks required
  • Approved unconditionally
  • Build credit while making purchases
  • Low interest
  • Low annual fee
  • No cash advance fee

our choice

17.99%
Fixed APR
Intro APR
See terms
Regular APR
17.99%
Annual Fee
$12.95
No Credit Check
Card Network
Visa®
Card Type
Secured
Regular APR
17.99%
Annual Fee
$12.95
Credit Line from
$200
Security Deposit
$200
Credit Line
$200-$10,000
Credit Line Increase
See terms

our choice

Rating 3.8

  • Earn Scene+ points on everyday purchases.
  • Earn 5,000 bonus Scene+ points with your first $750 in everyday purchases in the first 3 months.
  • Earn 5 Scene+ points for every $1 you spend on credit card purchases at Cineplex™ theatres or at cineplex.com.
  • Earn 1 Scene+ point for every $1 you spend on your everyday credit card purchases.
  • Redeem for a FREE movie with just 1,250 points.
  • Get $5 off at participating restaurants when you redeem just 500 points.
  • A new, flexible way to pay off your eligible Scotiabank Visa* credit card purchases of $100 or more, with no interest rate on your plan and a low fee.

our choice

5,000
Bonus
Scene+ points
Bonus Offer
Earn 5,000 bonus Scene+ points with your first $750 in everyday purchases in the first 3 months.
Up to
5X
Points
Bonus Offer
Earn 5,000 bonus Scene+ points with your first $750 in everyday purchases in the first 3 months.
Max. Rewards
Earn 5 Scene+ points for every $1 you spend on credit card purchases at Cineplex™ theatres or at cineplex.com.
Rewards on everyday purchases
Earn 1 Scene+ point for every $1 you spend on your everyday credit card purchases.
Rewards expiration
Do not expire as long as you are a Cardholder
$0
Annual Fee
Annual Fee
$0
Foreign Transaction Fee
2.5%
Late Payment Fee
See terms*

our choice

Rating 4.0

  • Get a 2.99% introductory interest rate on balance transfers for the first 6 months (22.99% after that; annual fee $39)
  • Earn 2% cash back for every $1 you spend on all eligible gas stations, grocery store, drug store purchases and recurring bill payments.
  • Earn 1% cash back on all other eligible purchases.

our choice

2.99%
Intro APR on Balance Transfers
Intro APR on Balance Transfer
2.99% (6 months)
Regular APR
22.99%
Balance Transfer Fee
See terms*
Earn More
on Your
Daily Spending
Rewards on everyday purchases
Earn 1% cash back on all other eligible purchases.
Max. Rewards
Earn 2% cash back for every $1 you spend on all eligible gas stations, grocery store, drug store purchases and recurring bill payments.
Rewards expiration
Do not expire as long as you are a Cardholder

our choice

Rating 3.2

  • 0.99% introductory interest rate on balance transfers for the first 6 months (12.99% after that; annual fee $29).
  • Save up to hundreds of dollars in interest a year.
  • Low 12.99% interest rate.
  • Convenient with Visa payWave*simply wave your card and go!
  • Pay down higher interest rates balances faster.
  • Transfer higher rate balances and save even more.

our choice

0.99%
Intro APR on Balance Transfers
Intro APR on Balance Transfer
0.99% (6 months)
Regular APR
12.99%
Balance Transfer Fee
See terms*
12.99%
Low Fixed APR
Intro APR
N/A
Regular APR
12.99%
Annual Fee
$29
Rating
Intro APR on Purch. Period
Intro APR on Bal. Tr. Period
Avg. Regular APR
Annual Fee
Hide

our choice

Rating 4.5

  • Earn enormous bonuses—like 15% cashback—on your first purchase at most partners.
  • Earn an average 5% unlimited cashback at thousands of local and national Neo partners.
  • Earn at least 1% back across all purchases. If your overall cashback falls below 1%, we’ll top you up.
  • No annual, monthly or overlimit fees.
  • Apply in 3 minutes and once approved, you can use your Neo credit card instantly via Apple Play or Google Pay.

our choice

Great Rewards
Bonus Offer
Earn enormous bonuses—like 15% cashback—on your first purchase at most partners.
Max. Rewards
Earn an average 5% unlimited cashback at thousands of local and national Neo partners.
Rewards expiration
See terms
$0
Annual Fee
Annual Fee
$0
Foreign Transaction Fee
See terms
Late Payment Fee
See terms
Instant Response
Instant Response
Yes
Card Network
Mastercard®
Credit Check
Yes

our choice

Rating 3.8

  • Earn up to 45,000 bonus Scene+ points in your first year (that’s up to $450 towards travel). Plus, no annual fee in the first year, including on supplementary cards and get a 0.00% introductory interest rate on balance transfers for the first 6 months (22.99% after that; annual fee $120) (1% balance transfer fee).
  • The only major bank that saves you 2.5% on foreign transaction fees.
  • You will not pay 2.5% foreign transaction fees on any foreign currency purchases, including online shopping and when travelling abroad. Only the exchange rate applies.
  • Earn 5 Scene+ points for every $1 CAD spent on eligible grocery stores, restaurants, fast food, and drinking establishments. Includes popular food delivery and food subscriptions.
  • Earn 3X Scene+ points for every $1 CAD spent on eligible gas and daily transit. Includes rideshare, buses, taxis, subway, and more.
  • Earn 3X Scene+ points for every $1 CAD spent on eligible select streaming services.
  • Earn 1 point for every $1 you spend on all other eligible everyday purchases.
  • Save 2.5% while cross-border shopping online.

our choice

0%
Intro APR on Balance Transfers
Intro APR on Balance Transfer
0.00% (6 months)
Regular APR
22.99%
Balance Transfer Fee
See terms*
45,000
Bonus
Scene+ points
Bonus Offer
Earn up to 45,000 bonus Scene+ points in your first year (that’s up to $450 towards travel).
Up to
5X
Points
Bonus Offer
Earn up to 45,000 bonus Scene+ points in your first year (that’s up to $450 towards travel).
Max. Rewards
Earn 5 Scene+ points for every $1 CAD spent on eligible grocery stores, restaurants, fast food, and drinking establishments. Includes popular food delivery and food subscriptions.
Rewards on everyday purchases
Earn 1 point for every $1 you spend on all other eligible everyday purchases.
Rewards expiration
Do not expire as long as you are a Cardholder

our choice

Rating 4.2

  • Redeem your $15 Welcome Bonus plus your $10 Paperless Statement Bonus and use the $25 to save at Walmart.
  • Earn Walmart Reward DollarsTM even faster: 3% at Walmart.ca, 1.25% at gas stations, 1.25% at Walmart stores in Canada, 1% everywhere else.
  • There’s no limit to how much you can earn.
  • No Annual Fee.
  • Get emergency cash, replace your lost or stolen card, and more 24/7 anywhere in the world.
  • You can redeem your Walmart RewardTM Dollars for anything Walmart sells online or in-store. That includes Walmart Marketplace and Online Grocery purchases at Walmart.ca.

our choice

$0
Annual Fee
Annual Fee
None
Foreign Transaction Fee
2.5%
Late Payment Fee
N/A
Earn More
on Your
Daily Spending
Rewards on everyday purchases
Earn Walmart Reward DollarsTM even faster: 3% at Walmart.ca, 1.25% at gas stations, 1.25% at Walmart stores in Canada, 1% everywhere else.
Max. Rewards
3% at Walmart.ca
Rewards expiration
Do not expire as long as your account is open.

our choice

Rating 4.1

  • Redeem your $15 Welcome Bonus plus your $10 Paperless Statement Bonus and use the $25 to save at Walmart.
  • Earn Walmart Reward DollarsTM on all your purchases: 1.25% at Walmart stores and online at Walmart.ca, 1% аt any gas station, 1% everywhere else.
  • There’s no limit to how much you can earn.
  • No Annual Fee.
  • Get emergency cash, replace your lost or stolen card, and more 24/7 anywhere in the world.
  • You can redeem your Walmart RewardTM Dollars for anything Walmart sells online or in-store. That includes Walmart Marketplace and Online Grocery purchases at Walmart.ca.

our choice

Great Rewards
Bonus Offer
Redeem your $15 Welcome Bonus plus your $10 Paperless Statement Bonus and use the $25 to save at Walmart.
Max. Rewards
1.25% at Walmart stores and online at Walmart.ca
Rewards expiration
Do not expire as long as your account is open.
$0
Annual Fee
Annual Fee
None
Foreign Transaction Fee
2.5%
Late Payment Fee
N/A

our choice

Rating 4.2

  • Earn up to 35,000 bonus Scene+ points in your first year (that’s up to $350 towards travel). Plus, no annual fee in the first year, including on supplementary cards and 2.99% introductory interest rate on purchases and balance transfers for the first 6 months (19.99% on purchases/22.99% on cash advances including balance transfers after that; annual fee $139)
  • Earn 20,000 bonus Scene+ points when you spend $1,000 in everyday eligible purchases in the first 3 months.
  • Earn 10,000 bonus Scene+ points when you spend at least $40,000 in everyday eligible purchases annually.
  • Redeem your Scene+ points towards statement credits, travel, the latest tech, gift cards and more!

our choice

20,000
Bonus
Scene+ points
Bonus Offer
Earn 20,000 bonus Scene+ points when you spend $1,000 in everyday eligible purchases in the first 3 months.
Earn More
on Your
Daily Spending
Rewards on everyday purchases
Earn 1 Scene+ point on every $1 you spend on all other eligible purchases.
Max. Rewards
Earn 2 Scene+ points on every $1 you spend on eligible grocery stores, dining, entertainment purchases, and daily transit purchases (including buses, subways, taxis and more).
Rewards expiration
Do not expire as long as you are a Cardholder
2.99%
Intro APR on Purchases & Balance Transfers
Intro APR on Purchases
2.99% (6 months)
Intro APR on Balance Transfer
2.99% (6 months)
Regular APR
19.99%
Balance Transfer Fee
See terms*

our choice

Rating 4.1

  • Earn 10% cash back on all purchases for the first 3 months (up to $2,000 in total purchases). No annual fee in the first year, including on supplementary cards.
  • Get a 2.99% introductory interest rate on purchases and balance transfers for the first 6 months (20.99% on purchases/22.99% on cash advances including balance transfers after that; annual fee $120).
  • Comprehensive Travel Insurance and New Mobile Device Insurance.
  • Earn 4% for every $1 you spend on grocery store purchases, recurring bill payments, and subscription purchases.
  • Earn 2% for every $1 you spend on gas purchases and daily transit purchases.
  • Earn 1% cash back on all other purchases with no cash back limit.

our choice

2.99%
Intro APR on Purchases & Balance Transfers
Intro APR on Purchases
2.99% (6 months)
Intro APR on Balance Transfer
2.99% (6 months)
Regular APR
20.99%
Balance Transfer Fee
See terms*
Great Reward Bonus
Bonus Offer
Earn 10% cash back on all purchases for the first 3 months (up to $2,000 in total purchases).
Max. Rewards
Earn 4% for every $1 you spend on grocery store purchases, recurring bill payments, and subscription purchases.
Rewards expiration
Do not expire as long as you are a Cardholder
Earn More
on Your
Daily Spending
Rewards on everyday purchases
Earn 1% cash back on all other purchases with no cash back limit.
Redemption Options
Scotia Momentum cash back will be calculated and credited in Canadian dollars and can be used for purchases
Rewards Transfer
See terms*

our choice

Rating 4.3

  • Apply for a Tangerine World Mastercard® by May 31st, 2022 and earn an extra 10% back* (up to $100) when you spend up to $1,000 in everyday purchases within your first 2 months.
  • Earn 2% Money-Back Rewards on purchases in two 2% Money-Back Categories of your choice, and 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.
  • 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

1.95%
Intro APR on Purchases & Balance Transfers
Intro APR on Purchases
1.95%
(30 days)*
Intro APR on Balance Transfer
1.95%
(30 days)*
Regular APR
19.95%*
Balance Transfer Fee
3.00% of the amount transferred, or minimum of $5.00
Great Rewards
Bonus Offer
Apply for a Tangerine World Mastercard® by May 31st, 2022 and earn an extra 10% back* (up to $100) when you spend up to $1,000 in everyday purchases within your first 2 months.
Max. Rewards
Earn 2% Money-Back Rewards on purchases in two 2% Money-Back Categories of your choice, and 0.50% Money-Back Rewards on all other purchases.
Rewards expiration
See terms
$0
Annual Fee
Annual Fee
$0*
Foreign Transaction Fee
2.50%
Late Payment Fee
See terms

our choice

Rating 4.2

  • Guaranteed approval card that earns you cashback.
  • Get an average 5% unlimited cashback at thousands of Neo partners, a minimum 1% back across all purchases, plus earn enormous bonuses - like 15% cashback on your first purchase at most partners.
  • No monthly or annual fees for free. Standard rewards plans.
  • Cash out your rewards at any time.
  • No hard credit check required to join.

our choice

Earn Up to
5%
Cash Back
Max. Rewards
Get an average 5% unlimited cashback at thousands of Neo partners
Rewards on everyday purchases
1% minimum cashback guarantee across all purchases
Bonus Offer
Earn enormous bonuses - like 15% cashback on your first purchase at most partners.
$0
Annual Fee
Annual Fee
$0
Foreign Transaction Fee
See terms
Late Payment Fee
See terms

our choice

Rating 3.8

  • Special offer - 0% APR for the first 3 months. Upon sign up, new customers get 5000 Reward Points ≈ $20.00 redeemable after 3 months*
  • Plastk Reward Points on everyday purchases
  • Quick and easy application process
  • Simple way to pay
  • Cash advances
  • Worldwide acceptance
  • Accepted at hotels and car rentals
  • Easy access to premium rewards
  • Helps improve credit score and knowledge
  • For every $1 spent, earn 1 point

our choice

5,000
Bonus
points
Bonus Offer
Special offer - 0% APR for the first 3 months. Upon sign up, new customers get 5000 Reward Points ≈ $20.00 redeemable after 3 months*
17.99%
APR on Purchases
Annual Fee
$48.00
Regular APR
17.99%
Late Payment Fee
See terms
Reporting
to the Major Consumer Reporting Agencies
Build Credit
Yes
Instant Response
No
Card Usage
Use Anywhere

our choice

Rating 3.9

  • Earn 5% cash back on all purchases for the first 3 months (up to $2,000 in total purchases). Plus, get a 2.99% introductory interest rate on balance transfers for the first 6 months (22.99% after that; annual fee $0)
  • Earn 1% cash back on all eligible gas stations, grocery stores, drug stores purchases and recurring payments.
  • Earn 0.5% cash back on all other eligible purchases.

our choice

2.99%
Intro APR on Balance Transfers
Intro APR on Balance Transfer
2.99% (6 months)
Regular APR
22.99%
Balance Transfer Fee
See terms*
Great Rewards
Bonus Offer
Earn 5% cash back on all purchases for the first 3 months (up to $2,000 in total purchases).
Max. Rewards
Earn 1% cash back on all eligible gas stations, grocery stores, drug stores purchases and recurring payments.
Rewards expiration
Do not expire as long as you are a Cardholder
$0
Annual Fee
Annual Fee
$0
Foreign Transaction Fee
2.5%
Late Payment Fee
See terms*

our choice

Rating 4.4

  • Apply for a Tangerine Money-Back Credit Card by May 31st, 2022 and earn an extra 10% back (up to $100) when you spend up to $1,000 in everyday purchases within your first 2 months.*
  • Earn 2% Money-Back Rewards on purchases in two 2% Money-Back Categories of your choice, and 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.
  • No limit on the amount of Money-Back Rewards you can earn.
  • Change your 2% Money-Back Categories to suit your spending.206

our choice

Great Rewards
Bonus Offer
Apply for a Tangerine Money-Back Credit Card by May 31st, 2022 and earn an extra 10% back (up to $100) when you spend up to $1,000 in everyday purchases within your first 2 months.*
Max. Rewards
Earn 2% Money-Back Rewards on purchases in two 2% Money-Back Categories of your choice, and 0.50% Money-Back Rewards on all other purchases.
Rewards expiration
See terms
1.95%
Intro APR on Purchases & Balance Transfers
Intro APR on Purchases
1.95%
(30 days)*
Intro APR on Balance Transfer
1.95%
(30 days)*
Regular APR
19.95%*
Balance Transfer Fee
3.00% of the amount transferred, or minimum of $5.00
$0
Annual Fee
Annual Fee
$0*
Foreign Transaction Fee
2.50%
Late Payment Fee
See Terms