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November 2019. 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!

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  • Top for November 2019
  • Mastercard
  • Visa
  • No Annual Fee
Rating
Intro APR on Purch. Period
Intro APR on Bal. Tr. Period
Avg. Regular APR
Annual Fee
Hide

our choice

Intro APR on Purchases
N/A
Intro APR on Balance Transfer
N/A
Regular APR
19.99%
Balance Transfer Fee
See terms*
Annual Fee
$120
  • Earn up to $300 in bonus reward points ◊
  • 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 Scotia Rewards point for every $1 you spend on all other eligible everyday purchases in any currency
  • Complimentary Concierge Services 24/7
  • Amex exclusive benefits (Front Of The Line®)
  • Rates, fees, offers and other information are effective as of August 1, 2019. Subject to change.

our choice

Rewards Bonus

Earn up to $300 in bonus reward points ◊

Rewards

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 Scotia Rewards point for every $1 you spend on all other eligible everyday purchases in any currency

Foreign Transaction Fee: 0%

Unsecured Credit Card

our choice

Intro APR on Purchases
N/A
Intro APR on Balance Transfer
N/A
Regular APR
20.99%
Balance Transfer Fee
See terms*
Annual Fee
First year annual fee waived, $120 after that.
  • First year annual fee waived1
  • 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 August 1, 2019. Subject to change.

our choice

Rewards

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

Unsecured Credit Card

Use this card everywhere Visa cards are accepted

our choice

Intro APR on Purchases
N/A
Intro APR on Balance Transfer
3.99% for the first 6 months*
Regular APR
16.99%
Balance Transfer Fee
See terms*
Annual Fee
$0
  • 3.99% introductory interest rate on balance transfers for the first 6 months (16.99% after that)◊
  • A great low rate with no annual fee
  • Pay down balances faster
  • Simplify your monthly payments
  • Rates, fees and other information are effective as of August 1, 2019. Subject to change.

our choice

Annual Fee: $0

Unsecured Credit Card

Use this card everywhere Visa cards are accepted

our choice

Intro APR on Purchases
N/A
Intro APR on Balance Transfer
N/A
Regular APR
19.99%
Balance Transfer Fee
See terms*
Annual Fee
$0
  • 7.99% introductory interest rate on purchases for the first 6 months†
  • 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 August 1, 2019. Subject to change.

our choice

Annual Fee: $0

Rewards

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

Unsecured Credit Card

Use this card everywhere Visa cards are accepted

Apply for Tangerine Money-Back Credit Card - Credit-Land.com

Rating 4.4

APPLY

Good/Excellent Credit

our choice

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
Annual Fee
$0*
  • Special Offer: Earn 4% Money-Back Rewards on purchases in two Money-Back Categories of their choice, and 0.50% Money-Back Rewards on all other purchases.162
  • 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.

our choice

Unsecured Credit Card

Use this card everywhere Mastercard cards are accepted (subject to available credit)

Apply for SCENE®* VISA* Card - Credit-Land.com

Rating 3.8

APPLY

Good Credit

our choice

Intro APR on Purchases
N/A
Intro APR on Balance Transfer
N/A
Regular APR
19.99%
Balance Transfer Fee
See terms*
Annual Fee
$0
  • 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 August 1, 2019. Subject to change.

our choice

Annual Fee: $0

2,500 Points

Earn 2,500 bonus SCENE points with your first $500 in everyday purchases in first 3 months◊

Rewards

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

Unsecured Credit Card

our choice

Intro APR on Purchases
N/A
Intro APR on Balance Transfer
N/A
Regular APR
19.99%
Balance Transfer Fee
See terms*
Annual Fee
$0
  • 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 August 1, 2019. Subject to change.

our choice

Annual Fee: $0

5,000 Points

Earn 5,000 bonus Scotia Rewards points with your first $500 in everyday purchases in first 3 months◊

Rewards

Earn one Scotia Rewards point on all eligible everyday purchases

Unsecured Credit Card

our choice

Intro APR on Purchases
N/A
Intro APR on Balance Transfer
2.99% for the first 6 months*
Regular APR
19.99%
Balance Transfer Fee
See terms*
Annual Fee
$39
  • 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 August 1, 2019. Subject to change.

our choice

Rewards

2% on eligible gas station, grocery store and drug store purchases and recurring bill payments

1% cash back on all other eligible everyday purchases

Unsecured Credit Card

Use this card everywhere Visa cards are accepted

our choice

Intro APR on Purchases
N/A
Intro APR on Balance Transfer
0.99% for the first 6 months*
Regular APR
12.99%
Balance Transfer Fee
See terms*
Annual Fee
$29
  • 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 August 1, 2019. Subject to change.

our choice

Unsecured Credit Card

Use this card everywhere Visa cards are accepted

SHOW MORE CARDS
Rating
Intro APR on Purch. Period
Intro APR on Bal. Tr. Period
Avg. Regular APR
Annual Fee
Hide
Apply for Tangerine Money-Back Credit Card - Credit-Land.com

Rating 4.4

APPLY

Good/Excellent Credit

our choice

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
Annual Fee
$0*
  • Special Offer: Earn 4% Money-Back Rewards on purchases in two Money-Back Categories of their choice, and 0.50% Money-Back Rewards on all other purchases.162
  • 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.

our choice

Unsecured Credit Card

Use this card everywhere Mastercard cards are accepted (subject to available credit)

Rating
Intro APR on Purch. Period
Intro APR on Bal. Tr. Period
Avg. Regular APR
Annual Fee
Hide

our choice

Intro APR on Purchases
N/A
Intro APR on Balance Transfer
N/A
Regular APR
20.99%
Balance Transfer Fee
See terms*
Annual Fee
First year annual fee waived, $120 after that.
  • First year annual fee waived1
  • 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 August 1, 2019. Subject to change.

our choice

Rewards

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

Unsecured Credit Card

Use this card everywhere Visa cards are accepted

our choice

Intro APR on Purchases
N/A
Intro APR on Balance Transfer
3.99% for the first 6 months*
Regular APR
16.99%
Balance Transfer Fee
See terms*
Annual Fee
$0
  • 3.99% introductory interest rate on balance transfers for the first 6 months (16.99% after that)◊
  • A great low rate with no annual fee
  • Pay down balances faster
  • Simplify your monthly payments
  • Rates, fees and other information are effective as of August 1, 2019. Subject to change.

our choice

Annual Fee: $0

Unsecured Credit Card

Use this card everywhere Visa cards are accepted

Apply for SCENE®* VISA* Card - Credit-Land.com

Rating 3.8

APPLY

Good Credit

our choice

Intro APR on Purchases
N/A
Intro APR on Balance Transfer
N/A
Regular APR
19.99%
Balance Transfer Fee
See terms*
Annual Fee
$0
  • 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 August 1, 2019. Subject to change.

our choice

Annual Fee: $0

2,500 Points

Earn 2,500 bonus SCENE points with your first $500 in everyday purchases in first 3 months◊

Rewards

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

Unsecured Credit Card

our choice

Intro APR on Purchases
N/A
Intro APR on Balance Transfer
N/A
Regular APR
19.99%
Balance Transfer Fee
See terms*
Annual Fee
$0
  • 7.99% introductory interest rate on purchases for the first 6 months†
  • 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 August 1, 2019. Subject to change.

our choice

Annual Fee: $0

Rewards

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

Unsecured Credit Card

Use this card everywhere Visa cards are accepted

our choice

Intro APR on Purchases
N/A
Intro APR on Balance Transfer
N/A
Regular APR
19.99%
Balance Transfer Fee
See terms*
Annual Fee
$0
  • 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 August 1, 2019. Subject to change.

our choice

Annual Fee: $0

5,000 Points

Earn 5,000 bonus Scotia Rewards points with your first $500 in everyday purchases in first 3 months◊

Rewards

Earn one Scotia Rewards point on all eligible everyday purchases

Unsecured Credit Card

our choice

Intro APR on Purchases
N/A
Intro APR on Balance Transfer
2.99% for the first 6 months*
Regular APR
19.99%
Balance Transfer Fee
See terms*
Annual Fee
$39
  • 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 August 1, 2019. Subject to change.

our choice

Rewards

2% on eligible gas station, grocery store and drug store purchases and recurring bill payments

1% cash back on all other eligible everyday purchases

Unsecured Credit Card

Use this card everywhere Visa cards are accepted

our choice

Intro APR on Purchases
N/A
Intro APR on Balance Transfer
0.99% for the first 6 months*
Regular APR
12.99%
Balance Transfer Fee
See terms*
Annual Fee
$29
  • 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 August 1, 2019. Subject to change.

our choice

Unsecured Credit Card

Use this card everywhere Visa cards are accepted

Rating
Intro APR on Purch. Period
Intro APR on Bal. Tr. Period
Avg. Regular APR
Annual Fee
Hide

our choice

Intro APR on Purchases
N/A
Intro APR on Balance Transfer
3.99% for the first 6 months*
Regular APR
16.99%
Balance Transfer Fee
See terms*
Annual Fee
$0
  • 3.99% introductory interest rate on balance transfers for the first 6 months (16.99% after that)◊
  • A great low rate with no annual fee
  • Pay down balances faster
  • Simplify your monthly payments
  • Rates, fees and other information are effective as of August 1, 2019. Subject to change.

our choice

Annual Fee: $0

Unsecured Credit Card

Use this card everywhere Visa cards are accepted

our choice

Intro APR on Purchases
N/A
Intro APR on Balance Transfer
N/A
Regular APR
19.99%
Balance Transfer Fee
See terms*
Annual Fee
$0
  • 7.99% introductory interest rate on purchases for the first 6 months†
  • 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 August 1, 2019. Subject to change.

our choice

Annual Fee: $0

Rewards

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

Unsecured Credit Card

Use this card everywhere Visa cards are accepted

Apply for Tangerine Money-Back Credit Card - Credit-Land.com

Rating 4.4

APPLY

Good/Excellent Credit

our choice

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
Annual Fee
$0*
  • Special Offer: Earn 4% Money-Back Rewards on purchases in two Money-Back Categories of their choice, and 0.50% Money-Back Rewards on all other purchases.162
  • 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.

our choice

Unsecured Credit Card

Use this card everywhere Mastercard cards are accepted (subject to available credit)

Apply for SCENE®* VISA* Card - Credit-Land.com

Rating 3.8

APPLY

Good Credit

our choice

Intro APR on Purchases
N/A
Intro APR on Balance Transfer
N/A
Regular APR
19.99%
Balance Transfer Fee
See terms*
Annual Fee
$0
  • 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 August 1, 2019. Subject to change.

our choice

Annual Fee: $0

2,500 Points

Earn 2,500 bonus SCENE points with your first $500 in everyday purchases in first 3 months◊

Rewards

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

Unsecured Credit Card

our choice

Intro APR on Purchases
N/A
Intro APR on Balance Transfer
N/A
Regular APR
19.99%
Balance Transfer Fee
See terms*
Annual Fee
$0
  • 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 August 1, 2019. Subject to change.

our choice

Annual Fee: $0

5,000 Points

Earn 5,000 bonus Scotia Rewards points with your first $500 in everyday purchases in first 3 months◊

Rewards

Earn one Scotia Rewards point on all eligible everyday purchases

Unsecured Credit Card

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.

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what to choose?

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questionsABOUT
CREDIT CARDS

How can I have two people apply for a credit card / two people reflected on statement?

There are so-called joint credit card accounts. This means you can have a joint account holder, also known as a co-signer. Joint account holders can both use the credit card equally and are both liable for making...

Read more
Are 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 more
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 more
See all questions

NOT SURE WHICH CARD TO CHOOSE?

Ask our Experts and get free advice to your email!

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commentsABOUT
CANADIAN CREDIT CARDS

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