Credit cards
Compare Canadian credit card options by category
Below are examples of real Canadian credit cards grouped by how people typically use them. This list is not complete and the information can change at any time. Always confirm details on the bank's website before applying.
This page is for general education only and does not constitute financial advice or a recommendation. Consider your own situation or speak with a professional before choosing a card.
Everyday cashback cards
Cards focused on cash back for groceries, gas, recurring bills, and everyday spending.
CIBC Dividend® Visa Infinite* Card
CIBC
Annual fee: Around $120 (often rebated in year one)
Key idea: Strong cash back on gas and groceries, with lower rates on other categories.
Best suited for: Households with high grocery and gas spending.
Always check the latest rates, fees, rewards and eligibility on the card provider's site.
Apply on bank site →Scotia Momentum® Visa Infinite* Card
Scotiabank
Annual fee: Around $120 (promos sometimes waive first year)
Key idea: Higher cash back on groceries, recurring bills, and some everyday spending.
Best suited for: People who put most bills and groceries on one card.
Always check the latest rates, fees, rewards and eligibility on the card provider's site.
Apply on bank site →Tangerine Money-Back Credit Card
Tangerine Bank
Annual fee: $0 annual fee
Key idea: Choose 2–3 spending categories for boosted cash back; simple structure.
Best suited for: Fee-averse users who want flexible categories and pay balances in full.
Always check the latest rates, fees, rewards and eligibility on the card provider's site.
Apply on bank site →Travel rewards & points cards
Cards that earn travel points you can redeem for flights, hotels, and vacation spending.
RBC Avion® Visa Infinite* Card
RBC Royal Bank
Annual fee: Around $120
Key idea: Flexible travel rewards that can be used on many airlines, plus travel insurance on many versions.
Best suited for: Frequent travellers who value flexible point redemption.
Always check the latest rates, fees, rewards and eligibility on the card provider's site.
Apply on bank site →TD First Class Travel® Visa Infinite* Card
TD Canada Trust
Annual fee: Around $139
Key idea: Earn TD Rewards points that can be redeemed for travel through Expedia for TD and other options.
Best suited for: Travellers who like booking via bank travel portals.
Always check the latest rates, fees, rewards and eligibility on the card provider's site.
Apply on bank site →Scotiabank Passport™ Visa Infinite* Card
Scotiabank
Annual fee: Around $150
Key idea: Travel card with no foreign transaction fees on many purchases and airport lounge passes on some offers.
Best suited for: Canadians who travel abroad and want to reduce FX fees and gain perks.
Always check the latest rates, fees, rewards and eligibility on the card provider's site.
Apply on bank site →No-fee & starter cards
Simpler cards with no annual fee, good for building credit history or keeping a backup card.
Scotia Momentum® No-Fee Visa* Card
Scotiabank
Annual fee: $0 annual fee
Key idea: Basic cash back on everyday purchases with occasional promotional bonus rates.
Best suited for: First-time cardholders or anyone who wants a no-fee backup card.
Always check the latest rates, fees, rewards and eligibility on the card provider's site.
Apply on bank site →Neo Mastercard® (everyday cash back)
Neo Financial
Annual fee: $0 on many versions
Key idea: Cash back at partner merchants with app-based offers and changing promos.
Best suited for: Mobile-first users comfortable managing offers through an app.
Always check the latest rates, fees, rewards and eligibility on the card provider's site.
Apply on bank site →Balance transfer & low-interest options
Cards that focus more on lower interest rates or promotional balance transfers than on rewards.
BMO CashBack® Mastercard®
BMO
Annual fee: $0 annual fee
Key idea: No-fee cash back card, with frequent promos for higher cash back and balance-transfer offers.
Best suited for: Budget-conscious users who want no annual fee and flexible cash back.
Always check the latest rates, fees, rewards and eligibility on the card provider's site.
Apply on bank site →Low-rate Visa / Mastercard (various banks)
Offered by multiple Canadian banks
Annual fee: Typically $20–$39
Key idea: Lower interest rate than standard cards; fewer rewards but helps reduce interest costs.
Best suited for: Borrowers focused on paying down existing balances rather than maximizing rewards.
Always check the latest rates, fees, rewards and eligibility on the card provider's site.
Apply on bank site →