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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: October 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.
- Top for October 2022
- Rewards
- No Annual Fee
- Personal Loans
our choice
Up to
4%
Cash Back
Max. Rewards
Earn 4% for every $1 you spend on grocery store purchases, recurring bill payments, and subscription purchases.
Great Reward Bonus
Bonus Offer
SPECIAL OFFER: 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. Offer ends Oct. 31, 2022
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
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
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
60,000
Bonus
Scene+ points
Scene+ points
Bonus Offer
Earn up to $2,100* in value in your first 14 months, including up to 60,000* bonus Scene+ points. Offer ends Oct. 31, 2022
Up to
2X
Points at Gas Stations
Rewards on Gas
Earn 2X Scene+ points for every $1 CAD spent on eligible gas and daily transit. Includes rideshare, buses, taxis, subway, and more
Groceries Rewards
Earn 2X 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 All Purchases
Earn 2X Scene+ point for every $1 spent on every other purchase
0%
Foreign Transaction Fee
Foreign Transaction Fee
0%
Annual Fee
$399 for the primary card and $99 for each additional supplementary card
Late Payment Fee
See terms*
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 5.75% APR
Great Features
Credit Check
No
Instant Response
Yes
Credit Agencies Report
Yes
our choice
$0
Annual Fee
Annual Fee
None
Foreign Transaction Fee
2.5%
Late Payment Fee
N/A
Earn More
on Your
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
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
Max. Rewards
Earn up to 2 points per dollar in eligible grocery and restaurant purchases*
Rewards expiration
Rewards never expire
our choice
40,000
Bonus
Scene+ points
Scene+ points
Bonus Offer
Earn up to 40,000 bonus Scene+™ points in your first year (that's up to $400 towards travel) and first year annual fee waived. Offer ends Oct 31,2022
Up to
5X
Points
Bonus Offer
Earn up to 40,000 bonus Scene+™ points in your first year (that's up to $400 towards travel) and first year annual fee waived. Offer ends Oct 31,2022
Max. Rewards
Earn 5X 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 1X Scene+ point for every $1 spent on every other purchase
Rewards expiration
Do not expire as long as you are a Cardholder
0%
Foreign Transaction Fee
Foreign Transaction Fee
0%
Annual Fee
First year annual fee waived, $120 after that.
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
10,000
Bonus
Scene+ points
Scene+ points
Bonus Offer
Earn up to 10,000 bonus Scene+™ points in your first year (that's up to $100 towards travel) Offer ends Oct. 31, 2022
$0
Annual Fee
Annual Fee
$0/year, Each supplementary card $0/year
Foreign Transaction Fee
3%
Late Payment Fee
See terms*
Earn More
on Your
on Your
Daily Spending
Rewards on everyday purchases
Earn 1X Scene+ point for every $1 spent on every other purchase
Max. Rewards
Earn 2X Scene+ points for every $1 CAD spent on eligible entertainment, including movies, theatres and ticket agencies
Rewards expiration
Do not expire as long as you are a Cardholder
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 September 30th, 2022 and earn an extra 15% back (up to $150) 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
- You can earn 1% cash back on all of your purchases.220
- From June 1st to August 31st, 2022, you’ll be entered for a chance to win two (2) Air Canada plane tickets as a grand prize for each $250 CAD equivalent load in any foreign currency on to your card. Each $250 CAD equivalent load in a foreign currency count as an additional ballot into the draw. Three (3) secondary prizes include a chance to win222 $150 cash back to your AC ConversionTM Visa* Prepaid Card in the month of June, July and August, respectively. See exchange rate conversions in real-time and get great exchange rates with no conversion fees! We made it easy and convenient for you to load your AC ConversionTM Visa* Prepaid Card through the AC Conversion Mobile App or by signing up for an account at (CIBC's secure website).
- 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
our choice
Great Rewards
Rewards on Everyday Purchases
You can earn 1% cash back on all of your purchases.220
Bonus Offer
From June 1st to August 31st, 2022, you’ll be entered for a chance to win two (2) Air Canada plane tickets as a grand prize for each $250 CAD equivalent load in any foreign currency on to your card. Each $250 CAD equivalent load in a foreign currency count as an additional ballot into the draw.
Additional Rewards
Three (3) secondary prizes include a chance to win222 $150 cash back to your AC ConversionTM Visa* Prepaid Card in the month of June, July and August, respectively.
Visa
prepaid card
Card Network
Visa*
Activation Fee
$0
Paper Statement 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
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
- 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
5,000
Bonus
points
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
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
35,000
Bonus
Scene+ points
Scene+ points
Bonus Offer
Earn up to 35,000 bonus Scene+™ points in your first year (that's up to $350 towards travel) Offer ends Oct 31, 2022
Earn More
on Your
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
0%
Foreign Transaction Fee
Foreign Transaction Fee
0%
Annual Fee
First year annual fee waived, $139 after that.
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
0%
Intro APR on Balance Transfers
Intro APR on Balance Transfer
0% (6 months)
Regular APR
22.99%
Balance Transfer Fee
$5
Great Rewards
Bonus Offer
Earn 5% cash back on all purchases for the first 3 months (up to $2,000 in total purchases). Offer ends Oct. 31, 2022
Max. Rewards
Get up to 1% cash back on eligible purchases with no annual fee.
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
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
Sign up using this link to receive a $25 welcome offer.
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
Great Rewards
Bonus Offer
Sign up using this link to receive a $25 welcome offer.
Max. Rewards
Get an average 5% unlimited cashback at thousands of Neo partners, plus earn enormous bonuses - like up to 15% cashback on your first purchase at most partners.
Rewards expiration
See terms
$0
Annual Fee
Annual Fee
$0
Foreign Transaction Fee
See terms
Late Payment Fee
See terms
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 September 30th, 2022 and earn an extra 15% back* (up to $150) 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
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
Unsecured Card
Annual Fee
$35
Regular APR
8.90% (min) or prime rate + 4%
Late Payment Fee
See terms
our choice
7,500
Bonus
Scene+ points
Scene+ points
Bonus Offer
Earn 7,500 bonus Scene+™ points within your first year
Up to
5X
Points
Bonus Offer
Earn 7,500 bonus Scene+™ points within your first year
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
0%
Intro APR on Balance Transfers
Intro APR on Balance Transfer
0% (6 months)
Regular APR
22.99%
Balance Transfer Fee
$5
Earn More
on Your
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
0%
Intro APR on Balance Transfers
Intro APR on Balance Transfer
0.00% (6 months)
Regular APR
12.99%
Balance Transfer Fee
$5
12.99%
Low Fixed APR
Intro APR
N/A
Regular APR
12.99%
Annual Fee
First year annual fee waived, $29 after that.
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 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
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
40,000
Bonus
Scene+ points
Scene+ points
Bonus Offer
Earn up to 40,000 bonus Scene+™ points in your first year (that's up to $400 towards travel) and first year annual fee waived. Offer ends Oct 31,2022
Up to
5X
Points
Bonus Offer
Earn up to 40,000 bonus Scene+™ points in your first year (that's up to $400 towards travel) and first year annual fee waived. Offer ends Oct 31,2022
Max. Rewards
Earn 5X 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 1X Scene+ point for every $1 spent on every other purchase
Rewards expiration
Do not expire as long as you are a Cardholder
0%
Foreign Transaction Fee
Foreign Transaction Fee
0%
Annual Fee
First year annual fee waived, $120 after that.
Late Payment Fee
See terms*
our choice
$0
Annual Fee
Annual Fee
None
Foreign Transaction Fee
2.5%
Late Payment Fee
N/A