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Credit-Land.com is an independent, advertising-supported web site. Credit-Land.com receives compensation from most 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.
Best Canadian Credit Cards: September 2023
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.
- Top for September 2023
- Rewards
- No Annual Fee
- Personal Loans
our choice
Earn
5X
Points at Restaurants
Restaurant Rewards
Earn up to 5 points per dollar in eligible grocery and restaurant purchases*
Earn More
on Your
on Your
Daily Spending
Rewards on everyday purchases
1 point per 1 dollar in other purchases
Max. Rewards
Earn up to 5 points per dollar in eligible grocery and restaurant purchases*
Rewards expiration
Rewards never expire
our choice
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 4.6% APR
Great Features
Credit Check
No
Instant Response
Yes
Credit Agencies Report
Yes
our choice
Great Rewards
Bonus Offer
Sign up using this link to receive a $25 welcome offer.
Max. Rewards
Earn an average 5% unlimited cashback at 10,000+ 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
- You can earn 1% cash back on all of your purchases.220
- Get the card for $0 and keep your budget on track.
- There’s no fee to order the card, no fee to load it and no conversion fees when you make a purchase.
- Use the app to load up to 10 currencies at a time on the go. Shop wherever Visa is accepted.
- Advanced chip and pin technology keeps your money safe.
- Shop with foreign currency on global e-commerce sites.
- Apply. Load. Use everywhere and earn cash back.
our choice
Visa
prepaid card
Card Network
Visa*
Activation Fee
$0
Paper Statement Fee
See terms
Great Rewards
Rewards on Everyday Purchases
You can earn 1% cash back on all of your purchases.220
No Credit Check
Instant Response
Yes
Guaranteed Approval
Yes
Credit Check
No
our choice
Earn
2X
Points at Restaurants
Restaurant Rewards
Earn up to 2 points per dollar in eligible grocery and restaurant purchases*
Earn More
on Your
on Your
Daily Spending
Rewards on everyday purchases
1 point per 1.5 dollars in other purchases
Redemption Options
With the À la carte Rewards Plan® (the “À la carte Plan”), you earn points for every dollar on eligible purchases. These points may be exchanged for rewards such as merchandise, a travel package, a gift card, a travel discount, a donation, a financial product, repayment with rewards points or any other reward offered under the À la carte Plan.
Rewards Transfer
See terms
Unsecured Card
Annual Fee
$70 (Reimbursement of annual fees for the first year)
Regular APR
20.99%
Late Payment Fee
See terms
our choice
Great Rewards
Bonus Offer
Sign up using this link to receive a $25 welcome offer.
Max. Rewards
Earn up to 15% cashback on your first-time purchases and an average 5% cashback at 10,000+ partners.
Rewards expiration
See terms
$0
Annual Fee
Annual Fee
$0
Foreign Transaction Fee
See terms
Late Payment Fee
See terms
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
Earn More
on Your
on Your
Daily Spending
Rewards on everyday purchases
Earn up to 2 points on all card purchases* without restrictions*
Max. Rewards
Earn up to 2 points on all card purchases* without restrictions*
Rewards expiration
Rewards never expire
our choice
Great Rewards
Bonus Offer
Apply for a Tangerine Money-Back Credit Card by October 31st, 2023 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)*
(30 days)*
Intro APR on Balance Transfer
1.95%
(30 days)*
(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
$0
Annual Fee
Annual Fee
$0
Foreign Transaction Fee
2.5%
Late Payment Fee
See terms
Earn More
on Your
on Your
Daily Spending
Rewards on everyday purchases
Earn 1 point for every $2 spent
Max. Rewards
Earn 1 point for every $2 spent
Rewards expiration
Rewards never expire
our choice
- 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
Earn More
on Your
on Your
Daily Spending
Rewards on everyday purchases
0,5% on all other eligible purchases
Max. Rewards
1% on restaurant transactions and recurring automatic transfers
Rewards expiration
Rewards never expire
$0
Annual Fee
Annual Fee
$0
Foreign Transaction Fee
2.5%
Late Payment Fee
See terms
our choice
- 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
Earn More
on Your
on Your
Daily Spending
Rewards on everyday purchases
Get unlimited 1% cashback on all other purchases
Max. Rewards
Earn 1.5% cashback on most online purchases, in grocery stores and on gas*
Rewards expiration
Rewards never expire
our choice
1.95%
Intro APR on Purchases & Balance Transfers
Intro APR on Purchases
1.95%
(30 days)*
(30 days)*
Intro APR on Balance Transfer
1.95%
(30 days)*
(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 October 31st, 2023 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
$0
Annual Fee
Annual Fee
$0
Foreign Transaction Fee
2.5%
Late Payment Fee
See terms
our choice
Unsecured Card
Annual Fee
$35
Regular APR
Variable rate: prime rate + 4% (8,90% min)
Late Payment Fee
See terms
our choice
Great Rewards
Bonus Offer
Sign up using this link to receive a $25 welcome offer.
Max. Rewards
Earn an average 5% unlimited cashback at 10,000+ 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
Earn
5X
Points at Restaurants
Restaurant Rewards
Earn up to 5 points per dollar in eligible grocery and restaurant purchases*
Earn More
on Your
on Your
Daily Spending
Rewards on everyday purchases
1 point per 1 dollar in other purchases
Max. Rewards
Earn up to 5 points per dollar in eligible grocery and restaurant purchases*
Rewards expiration
Rewards never expire
our choice
Earn
2X
Points at Restaurants
Restaurant Rewards
Earn up to 2 points per dollar in eligible grocery and restaurant purchases*
Earn More
on Your
on Your
Daily Spending
Rewards on everyday purchases
1 point per 1.5 dollars in other purchases
Redemption Options
With the À la carte Rewards Plan® (the “À la carte Plan”), you earn points for every dollar on eligible purchases. These points may be exchanged for rewards such as merchandise, a travel package, a gift card, a travel discount, a donation, a financial product, repayment with rewards points or any other reward offered under the À la carte Plan.
Rewards Transfer
See terms
Unsecured Card
Annual Fee
$70 (Reimbursement of annual fees for the first year)
Regular APR
20.99%
Late Payment Fee
See terms
our choice
- You can earn 1% cash back on all of your purchases.220
- Get the card for $0 and keep your budget on track.
- There’s no fee to order the card, no fee to load it and no conversion fees when you make a purchase.
- Use the app to load up to 10 currencies at a time on the go. Shop wherever Visa is accepted.
- Advanced chip and pin technology keeps your money safe.
- Shop with foreign currency on global e-commerce sites.
- Apply. Load. Use everywhere and earn cash back.
our choice
Visa
prepaid card
Card Network
Visa*
Activation Fee
$0
Paper Statement Fee
See terms
Great Rewards
Rewards on Everyday Purchases
You can earn 1% cash back on all of your purchases.220
No Credit Check
Instant Response
Yes
Guaranteed Approval
Yes
Credit Check
No
our choice
Earn More
on Your
on Your
Daily Spending
Rewards on everyday purchases
Earn up to 2 points on all card purchases* without restrictions*
Max. Rewards
Earn up to 2 points on all card purchases* without restrictions*
Rewards expiration
Rewards never expire
our choice
Great Rewards
Bonus Offer
Sign up using this link to receive a $25 welcome offer.
Max. Rewards
Earn up to 15% cashback on your first-time purchases and an average 5% cashback at 10,000+ partners.
Rewards expiration
See terms
$0
Annual Fee
Annual Fee
$0
Foreign Transaction Fee
See terms
Late Payment Fee
See terms
our choice
$0
Annual Fee
Annual Fee
$0
Foreign Transaction Fee
2.5%
Late Payment Fee
See terms
Earn More
on Your
on Your
Daily Spending
Rewards on everyday purchases
Earn 1 point for every $2 spent
Max. Rewards
Earn 1 point for every $2 spent
Rewards expiration
Rewards never expire
our choice
1.95%
Intro APR on Purchases & Balance Transfers
Intro APR on Purchases
1.95%
(30 days)*
(30 days)*
Intro APR on Balance Transfer
1.95%
(30 days)*
(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 October 31st, 2023 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
Earn More
on Your
on Your
Daily Spending
Rewards on everyday purchases
0,5% on all other eligible purchases
Max. Rewards
1% on restaurant transactions and recurring automatic transfers
Rewards expiration
Rewards never expire
$0
Annual Fee
Annual Fee
$0
Foreign Transaction Fee
2.5%
Late Payment Fee
See terms
our choice
Earn More
on Your
on Your
Daily Spending
Rewards on everyday purchases
Get unlimited 1% cashback on all other purchases
Max. Rewards
Earn 1.5% cashback on most online purchases, in grocery stores and on gas*
Rewards expiration
Rewards never expire
our choice
Great Rewards
Bonus Offer
Apply for a Tangerine Money-Back Credit Card by October 31st, 2023 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)*
(30 days)*
Intro APR on Balance Transfer
1.95%
(30 days)*
(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
Great Rewards
Bonus Offer
Sign up using this link to receive a $25 welcome offer.
Max. Rewards
Earn an average 5% unlimited cashback at 10,000+ 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
1.95%
Intro APR on Purchases & Balance Transfers
Intro APR on Purchases
1.95%
(30 days)*
(30 days)*
Intro APR on Balance Transfer
1.95%
(30 days)*
(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 October 31st, 2023 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
- You can earn 1% cash back on all of your purchases.220
- Get the card for $0 and keep your budget on track.
- There’s no fee to order the card, no fee to load it and no conversion fees when you make a purchase.
- Use the app to load up to 10 currencies at a time on the go. Shop wherever Visa is accepted.
- Advanced chip and pin technology keeps your money safe.
- Shop with foreign currency on global e-commerce sites.
- Apply. Load. Use everywhere and earn cash back.
our choice
Visa
prepaid card
Card Network
Visa*
Activation Fee
$0
Paper Statement Fee
See terms
Great Rewards
Rewards on Everyday Purchases
You can earn 1% cash back on all of your purchases.220
No Credit Check
Instant Response
Yes
Guaranteed Approval
Yes
Credit Check
No
our choice
$0
Annual Fee
Annual Fee
$0
Foreign Transaction Fee
2.5%
Late Payment Fee
See terms
Earn More
on Your
on Your
Daily Spending
Rewards on everyday purchases
Earn 1 point for every $2 spent
Max. Rewards
Earn 1 point for every $2 spent
Rewards expiration
Rewards never expire
our choice
Great Rewards
Bonus Offer
Sign up using this link to receive a $25 welcome offer.
Max. Rewards
Earn up to 15% cashback on your first-time purchases and an average 5% cashback at 10,000+ partners.
Rewards expiration
See terms
$0
Annual Fee
Annual Fee
$0
Foreign Transaction Fee
See terms
Late Payment Fee