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Audited Award Winners (2026)
Verified Yields| Category Vertical | winner Card | Audited Net Value* | Credit Score | Direct link |
|---|---|---|---|---|
| Best Overall Rewards Card | American Express Cobalt® Credit Card | +$1380 /yr | Fair | Full Audit Review |
| Best Overall Travel Card | RBC Avion® Visa Infinite | +$1894 /yr | Good | Full Audit Review |
| Best No-Fee Cashback Card | Tangerine Money-Back Mastercard | +$409 /yr | Good | Full Audit Review |
| Best Low Interest Card | MBNA True Line® Mastercard® | +$400 /yr | Good | Full Audit Review |
| Best No FX Transaction Fee Card | Scotiabank® Passport™ Visa Infinite* | +$1074 /yr | Good | Full Audit Review |
BMOMastercard
BMO CashBack World Elite Mastercard
WELCOME OFFER
Up to $480 bonus CB
PROS
- cash-back benefits
- gas benefits
CONS
- Annual fee of $120.0
ONGOING ANNUAL VALUE+$479.7
Annual Fee$120
Interest (Purch)20.99%
Credit LevelGood
ScotiabankAmex
Scotiabank Gold American Express Card
WELCOME OFFER
Up to 45,000 Scene+ pts
PROS
- gas benefits
- grocery benefits
CONS
- Annual fee of $120.0
ONGOING ANNUAL VALUE+$479.7
Annual Fee$120
Interest (Purch)20.99%
Credit LevelGood
BMOMastercard
BMO VIPorter World Elite Mastercard
WELCOME OFFER
VIPorter benefits
PROS
- gas benefits
- grocery benefits
CONS
- Annual fee of $199.0
ONGOING ANNUAL VALUE+$472.7
Annual Fee$199
Interest (Purch)20.99%
Credit LevelGood
BMOMastercard
BMO VIPorter Mastercard
WELCOME OFFER
VIPorter benefits
PROS
- gas benefits
- grocery benefits
CONS
- Annual fee of $89.0
ONGOING ANNUAL VALUE+$327.25
Annual Fee$89
Interest (Purch)20.99%
Credit LevelGood
TangerineMastercard
Tangerine Rewards World Elite Mastercard
WELCOME OFFER
Up to $600 value
PROS
- gas benefits
- grocery benefits
CONS
- Fewer premium travel benefits
ONGOING ANNUAL VALUE+$477.45
Annual Fee$0
Interest (Purch)20.99%
Credit LevelGood
Neo FinancialMastercard
Neo World Elite Mastercard
WELCOME OFFER
None
PROS
- cash-back benefits
- gas benefits
CONS
- Fewer premium travel benefits
ONGOING ANNUAL VALUE+$666
Annual Fee$0
Interest (Purch)19.99%
Credit LevelGood
American ExpressAmex
American Express Gold Rewards Card
WELCOME OFFER
Up to 75,000 MR pts
PROS
- gas benefits
- grocery benefits
CONS
- Annual fee of $250.0
ONGOING ANNUAL VALUE+$384.5
Annual Fee$250
Interest (Purch)21.99%
Credit LevelGood
BMOVisa
BMO eclipse Visa Infinite Privilege Card
WELCOME OFFER
Up to 200,000 pts
PROS
- gas benefits
- grocery benefits
CONS
- Annual fee of $399.0
ONGOING ANNUAL VALUE+$348.75
Annual Fee$399
Interest (Purch)20.99%
Credit LevelExcellent
BMOVisa
BMO eclipse Visa Infinite Card
WELCOME OFFER
Up to 70,000 pts
PROS
- gas benefits
- grocery benefits
CONS
- Annual fee of $120.0
ONGOING ANNUAL VALUE+$473.7
Annual Fee$120
Interest (Purch)20.99%
Credit LevelGood
TDVisa
TD First Class Travel Visa Infinite Card
WELCOME OFFER
Up to 165,000 TD pts
PROS
- gas benefits
- grocery benefits
CONS
- Annual fee of $139.0
ONGOING ANNUAL VALUE+$340.7
Annual Fee$139
Interest (Purch)20.99%
Credit LevelGood
RBCVisa
RBC Avion Visa Infinite Privilege Card
WELCOME OFFER
Up to 75,000 Avion pts
PROS
- gas benefits
- grocery benefits
CONS
- Annual fee of $399.0
ONGOING ANNUAL VALUE+$355.5
Annual Fee$399
Interest (Purch)20.99%
Credit LevelExcellent
MBNAMastercard
MBNA Rewards World Elite Mastercard
WELCOME OFFER
Up to 30,000 pts
PROS
- gas benefits
- grocery benefits
CONS
- Fewer premium travel benefits
ONGOING ANNUAL VALUE+$562.5
Annual Fee$0
Interest (Purch)20.99%
Credit LevelGood
National BankMastercard
National Bank World Elite Mastercard
WELCOME OFFER
Up to 40,000 pts
PROS
- gas benefits
- grocery benefits
CONS
- Annual fee of $150.0
ONGOING ANNUAL VALUE+$311.7
Annual Fee$150
Interest (Purch)20.99%
Credit LevelGood
American ExpressAmex
American Express Aeroplan Reserve Card
WELCOME OFFER
Up to 90,000 Aeroplan pts
PROS
- gas benefits
- grocery benefits
CONS
- Annual fee of $599.0
ONGOING ANNUAL VALUE+$413.5
Annual Fee$599
Interest (Purch)21.99%
Credit LevelExcellent
ScotiabankVisa
Scotiabank Passport Visa Infinite Card
WELCOME OFFER
Up to 60,000 Scene+ pts
PROS
- gas benefits
- grocery benefits
CONS
- Annual fee of $170.0
ONGOING ANNUAL VALUE+$255.7
Annual Fee$170
Interest (Purch)20.99%
Credit LevelGood
Neo FinancialMastercard
Neo World Mastercard
WELCOME OFFER
None
PROS
- cash-back benefits
- gas benefits
CONS
- Fewer premium travel benefits
ONGOING ANNUAL VALUE+$618
Annual Fee$0
Interest (Purch)19.99%
Credit LevelGood
Neo FinancialMastercard
Neo Secured Mastercard
WELCOME OFFER
None
PROS
- cash-back benefits
- gas benefits
CONS
- Fewer premium travel benefits
ONGOING ANNUAL VALUE+$594
Annual Fee$0
Interest (Purch)19.99%
Credit LevelPoor
DesjardinsVisa
Desjardins Odyssey World Elite Visa
WELCOME OFFER
Up to 30,000 pts
PROS
- gas benefits
- grocery benefits
CONS
- Annual fee of $150.0
ONGOING ANNUAL VALUE+$275.7
Annual Fee$150
Interest (Purch)20.99%
Credit LevelGood
American ExpressAmex
American Express Cobalt Card
WELCOME OFFER
Up to 30,000 MR pts
PROS
- gas benefits
- grocery benefits
CONS
- Annual fee of $155.88
ONGOING ANNUAL VALUE+$388.62
Annual Fee$155.88
Interest (Purch)21.99%
Credit LevelGood
American ExpressAmex
SimplyCash Preferred Card from Amex
WELCOME OFFER
10% CB 4mo
PROS
- cash-back benefits
- gas benefits
CONS
- Annual fee of $120.0
ONGOING ANNUAL VALUE+$346.5
Annual Fee$120
Interest (Purch)21.99%
Credit LevelGood
American ExpressAmex
American Express Aeroplan Card
WELCOME OFFER
Up to 10,000 Aeroplan pts
PROS
- no-annual-fee benefits
- rewards benefits
CONS
- Fewer premium travel benefits
ONGOING ANNUAL VALUE+$440.25
Annual Fee$0
Interest (Purch)20.99%
Credit LevelGood
BMOMastercard
BMO Ascend World Elite Mastercard
WELCOME OFFER
Up to 115,000 pts
PROS
- gas benefits
- grocery benefits
CONS
- Annual fee of $150.0
ONGOING ANNUAL VALUE+$265.56
Annual Fee$150
Interest (Purch)20.99%
Credit LevelGood
TDVisa
TD Aeroplan Visa Infinite Card
WELCOME OFFER
Up to 40,000 Aeroplan pts
PROS
- grocery benefits
- rewards benefits
CONS
- Annual fee of $139.0
ONGOING ANNUAL VALUE+$394.7
Annual Fee$139
Interest (Purch)20.99%
Credit LevelGood
CIBCVisa
CIBC Aventura Visa Infinite Card
WELCOME OFFER
Up to 30,000 Aventura pts
PROS
- gas benefits
- grocery benefits
CONS
- Annual fee of $139.0
ONGOING ANNUAL VALUE+$202.7
Annual Fee$139
Interest (Purch)20.99%
Credit LevelGood
CIBCVisa
CIBC Aeroplan Visa Infinite Card
WELCOME OFFER
Up to 30,000 Aeroplan pts
PROS
- grocery benefits
- rewards benefits
CONS
- Annual fee of $139.0
ONGOING ANNUAL VALUE+$424.7
Annual Fee$139
Interest (Purch)20.99%
Credit LevelGood
CIBCVisa
CIBC Dividend Visa Infinite Card
WELCOME OFFER
10% CB 4mo
PROS
- cash-back benefits
- gas benefits
CONS
- Annual fee of $120.0
ONGOING ANNUAL VALUE+$358.5
Annual Fee$120
Interest (Purch)20.99%
Credit LevelGood
RBCVisa
RBC Avion Visa Infinite Card
WELCOME OFFER
Up to 45,000 Avion pts
PROS
- gas benefits
- grocery benefits
CONS
- Annual fee of $120.0
ONGOING ANNUAL VALUE+$371.7
Annual Fee$120
Interest (Purch)20.99%
Credit LevelGood
Brim FinancialMastercard
Brim Financial World Elite Mastercard
WELCOME OFFER
None
PROS
- gas benefits
- grocery benefits
CONS
- Annual fee of $199.0
ONGOING ANNUAL VALUE+$297.5
Annual Fee$199
Interest (Purch)20.99%
Credit LevelGood
TDVisa
TD Aeroplan Visa Infinite Privilege Card
WELCOME OFFER
Up to 100,000 Aeroplan pts
PROS
- gas benefits
- grocery benefits
CONS
- Annual fee of $599.0
ONGOING ANNUAL VALUE+$281.5
Annual Fee$599
Interest (Purch)20.99%
Credit LevelExcellent
ScotiabankVisa
Scotia Momentum Visa Infinite Card
WELCOME OFFER
15% CB 3mo
PROS
- cash-back benefits
- gas benefits
CONS
- Annual fee of $120.0
ONGOING ANNUAL VALUE+$317.7
Annual Fee$120
Interest (Purch)20.99%
Credit LevelGood
CIBCVisa
CIBC Aeroplan Visa Infinite Privilege Card
WELCOME OFFER
Up to 80,000 Aeroplan pts
PROS
- gas benefits
- grocery benefits
CONS
- Annual fee of $599.0
ONGOING ANNUAL VALUE+$281.5
Annual Fee$599
Interest (Purch)20.99%
Credit LevelExcellent
DesjardinsVisa
Desjardins Cash Back World Elite Visa
WELCOME OFFER
None
PROS
- cash-back benefits
- gas benefits
CONS
- Annual fee of $99.0
ONGOING ANNUAL VALUE+$331.5
Annual Fee$99
Interest (Purch)20.99%
Credit LevelGood
TDVisa
TD Cash Back Visa Infinite Card
WELCOME OFFER
10% CB 3mo
PROS
- cash-back benefits
- gas benefits
CONS
- Annual fee of $139.0
ONGOING ANNUAL VALUE+$292.7
Annual Fee$139
Interest (Purch)20.99%
Credit LevelGood
CIBCMastercard
CIBC Costco Mastercard
WELCOME OFFER
None
PROS
- cash-back benefits
- gas benefits
CONS
- Fewer premium travel benefits
ONGOING ANNUAL VALUE+$332.25
Annual Fee$0
Interest (Purch)20.99%
Credit LevelGood
HSBCMastercard
HSBC World Elite Mastercard
WELCOME OFFER
Up to 100,000 pts
PROS
- gas benefits
- grocery benefits
CONS
- Annual fee of $149.0
ONGOING ANNUAL VALUE+$300.7
Annual Fee$149
Interest (Purch)20.99%
Credit LevelGood
American ExpressAmex
The Platinum Card
WELCOME OFFER
Up to 100,000 MR pts
PROS
- gas benefits
- grocery benefits
CONS
- Annual fee of $799.0
ONGOING ANNUAL VALUE+$201.5
Annual Fee$799
Interest (Purch)21.99%
Credit LevelExcellent
American ExpressAmex
SimplyCash Card from American Express
WELCOME OFFER
4% CB 6mo
PROS
- cash-back benefits
- no-annual-fee benefits
CONS
- Fewer premium travel benefits
ONGOING ANNUAL VALUE+$252
Annual Fee$0
Interest (Purch)20.99%
Credit LevelGood
RBCMastercard
RBC WestJet World Elite Mastercard
WELCOME OFFER
Up to 450 WJD
PROS
- gas benefits
- grocery benefits
CONS
- Annual fee of $119.0
ONGOING ANNUAL VALUE+$219.7
Annual Fee$119
Interest (Purch)20.99%
Credit LevelGood
Neo FinancialMastercard
United MileagePlus Neo World Elite Mastercard
WELCOME OFFER
Up to 20,000 pts
PROS
- gas benefits
- grocery benefits
CONS
- Annual fee of $120.0
ONGOING ANNUAL VALUE+$318
Annual Fee$120
Interest (Purch)19.99%
Credit LevelGood
SimpliiVisa
Simplii Financial Cash Back Visa Card
WELCOME OFFER
10% CB 4mo
PROS
- cash-back benefits
- gas benefits
CONS
- Fewer premium travel benefits
ONGOING ANNUAL VALUE+$429
Annual Fee$0
Interest (Purch)20.5%
Credit LevelFair
WealthsimpleVisa
Wealthsimple Cash Card
WELCOME OFFER
None
PROS
- low-interest benefits
- cash-back benefits
CONS
- Fewer premium travel benefits
ONGOING ANNUAL VALUE+$162
Annual Fee$0
Interest (Purch)19.99%
Credit LevelN/A
Loop FinancialVisa
Loop Card
WELCOME OFFER
None
PROS
- cash-back benefits
- newcomers benefits
CONS
- Fewer premium travel benefits
ONGOING ANNUAL VALUE+$162
Annual Fee$0
Interest (Purch)19.99%
Credit LevelN/A
American ExpressAmex
American Express Business Edge Card
WELCOME OFFER
Up to 50,000 MR pts
PROS
- gas benefits
- grocery benefits
CONS
- Annual fee of $199.0
ONGOING ANNUAL VALUE+$219.5
Annual Fee$199
Interest (Purch)21.99%
Credit LevelGood
BMOVisa
BMO eclipse rise Visa Card
WELCOME OFFER
Up to 25,000 pts
PROS
- gas benefits
- rewards benefits
CONS
- Fewer premium travel benefits
ONGOING ANNUAL VALUE+$330
Annual Fee$0
Interest (Purch)20.99%
Credit LevelFair
KOHOMastercard
KOHO Essential Mastercard
WELCOME OFFER
None
PROS
- low-interest benefits
- cash-back benefits
CONS
- Fewer premium travel benefits
ONGOING ANNUAL VALUE+$111
Annual Fee$0
Interest (Purch)19.99%
Credit LevelN/A
KOHOMastercard
KOHO Extra Mastercard
WELCOME OFFER
None
PROS
- low-interest benefits
- cash-back benefits
CONS
- Annual fee of $84.0
ONGOING ANNUAL VALUE+$138
Annual Fee$84
Interest (Purch)19.99%
Credit LevelN/A
RogersMastercard
Rogers World Elite Mastercard
WELCOME OFFER
None
PROS
- cash-back benefits
- no-annual-fee benefits
CONS
- Fewer premium travel benefits
ONGOING ANNUAL VALUE+$243
Annual Fee$0
Interest (Purch)20.99%
Credit LevelGood
Canadian TireMastercard
Triangle World Elite Mastercard
WELCOME OFFER
$100 CT Money
PROS
- grocery benefits
- no-annual-fee benefits
CONS
- Fewer premium travel benefits
ONGOING ANNUAL VALUE+$284.25
Annual Fee$0
Interest (Purch)21.99%
Credit LevelGood
Brim FinancialMastercard
Brim Mastercard
WELCOME OFFER
None
PROS
- newcomers benefits
- no-annual-fee benefits
CONS
- Fewer premium travel benefits
ONGOING ANNUAL VALUE+$162
Annual Fee$0
Interest (Purch)20.99%
Credit LevelFair
ScotiabankVisa
Scotiabank Scene+ Visa Card
WELCOME OFFER
Up to 10,000 Scene+ pts
PROS
- newcomers benefits
- grocery benefits
CONS
- Fewer premium travel benefits
ONGOING ANNUAL VALUE+$312
Annual Fee$0
Interest (Purch)20.99%
Credit LevelFair
TangerineMastercard
Tangerine Money-Back Credit Card
WELCOME OFFER
$100 CB promo
PROS
- cash-back benefits
- gas benefits
CONS
- Fewer premium travel benefits
ONGOING ANNUAL VALUE+$288
Annual Fee$0
Interest (Purch)20.99%
Credit LevelFair
BMOMastercard
BMO CashBack Mastercard
WELCOME OFFER
5% CB 3mo
PROS
- newcomers benefits
- cash-back benefits
CONS
- Fewer premium travel benefits
ONGOING ANNUAL VALUE+$270
Annual Fee$0
Interest (Purch)20.99%
Credit LevelFair
BMOMastercard
BMO CashBack Mastercard for students
WELCOME OFFER
5% CB 3mo
PROS
- cash-back benefits
- student benefits
CONS
- Fewer premium travel benefits
ONGOING ANNUAL VALUE+$270
Annual Fee$0
Interest (Purch)20.99%
Credit LevelFair
TangerineMastercard
Tangerine Money-Back World Mastercard
WELCOME OFFER
$100 CB promo
PROS
- cash-back benefits
- gas benefits
CONS
- Fewer premium travel benefits
ONGOING ANNUAL VALUE+$288
Annual Fee$0
Interest (Purch)20.99%
Credit LevelGood
RBCVisa
RBC ION+ Visa Card
WELCOME OFFER
Up to $50 CB
PROS
- newcomers benefits
- cash-back benefits
CONS
- Fewer premium travel benefits
ONGOING ANNUAL VALUE+$180
Annual Fee$0
Interest (Purch)20.99%
Credit LevelFair
RBCMastercard
RBC Cash Back Mastercard
WELCOME OFFER
None
PROS
- newcomers benefits
- cash-back benefits
CONS
- Fewer premium travel benefits
ONGOING ANNUAL VALUE+$210
Annual Fee$0
Interest (Purch)20.99%
Credit LevelFair
KOHOMastercard
KOHO Everything Mastercard
WELCOME OFFER
None
PROS
- cash-back benefits
- gas benefits
CONS
- Annual fee of $168.0
ONGOING ANNUAL VALUE+$156
Annual Fee$168
Interest (Purch)19.99%
Credit LevelN/A
RogersMastercard
Fido Mastercard
WELCOME OFFER
None
PROS
- cash-back benefits
- no-annual-fee benefits
CONS
- Fewer premium travel benefits
ONGOING ANNUAL VALUE+$192
Annual Fee$0
Interest (Purch)20.99%
Credit LevelFair
TDVisa
TD Rewards Visa Card
WELCOME OFFER
None
PROS
- newcomers benefits
- no-annual-fee benefits
CONS
- Fewer premium travel benefits
ONGOING ANNUAL VALUE+$162
Annual Fee$0
Interest (Purch)20.99%
Credit LevelFair
RogersMastercard
Rogers Platinum Mastercard
WELCOME OFFER
None
PROS
- cash-back benefits
- no-annual-fee benefits
CONS
- Fewer premium travel benefits
ONGOING ANNUAL VALUE+$162
Annual Fee$0
Interest (Purch)20.99%
Credit LevelFair
National BankMastercard
National Bank Mastercard
WELCOME OFFER
None
PROS
- newcomers benefits
- no-annual-fee benefits
CONS
- Fewer premium travel benefits
ONGOING ANNUAL VALUE+$162
Annual Fee$0
Interest (Purch)20.99%
Credit LevelFair
Canadian TireMastercard
Triangle Mastercard
WELCOME OFFER
$50 CT Money
PROS
- newcomers benefits
- grocery benefits
CONS
- Fewer premium travel benefits
ONGOING ANNUAL VALUE+$171
Annual Fee$0
Interest (Purch)21.99%
Credit LevelFair
SimpliiVisa
Simplii Financial Visa Card
WELCOME OFFER
None
PROS
- newcomers benefits
- cash-back benefits
CONS
- Fewer premium travel benefits
ONGOING ANNUAL VALUE+$141
Annual Fee$0
Interest (Purch)20.5%
Credit LevelFair
TDVisa
TD Low Rate Visa Card
WELCOME OFFER
0% promo 6mo
PROS
- low-interest benefits
- balance-transfer benefits
CONS
- Fewer premium travel benefits
ONGOING ANNUAL VALUE+$0
Annual Fee$0
Interest (Purch)12.99%
Credit LevelFair
MBNAMastercard
MBNA True Line Mastercard
WELCOME OFFER
0% BT 12mo
PROS
- low-interest benefits
- balance-transfer benefits
CONS
- Fewer premium travel benefits
ONGOING ANNUAL VALUE+$0
Annual Fee$0
Interest (Purch)12.99%
Credit LevelFair
DesjardinsVisa
Desjardins Classic Visa Card
WELCOME OFFER
None
PROS
- newcomers benefits
- no-annual-fee benefits
CONS
- Fewer premium travel benefits
ONGOING ANNUAL VALUE+$0
Annual Fee$0
Interest (Purch)19.9%
Credit LevelFair
PC FinancialMastercard
PC Financial Mastercard
WELCOME OFFER
None
PROS
- gas benefits
- rewards benefits
CONS
- Fewer premium travel benefits
ONGOING ANNUAL VALUE+$25.2
Annual Fee$0
Interest (Purch)20.97%
Credit LevelFair
BMOMastercard
BMO Preferred Rate Mastercard
WELCOME OFFER
None
PROS
- low-interest benefits
- balance-transfer benefits
CONS
- Annual fee of $29.0
ONGOING ANNUAL VALUE$-29
Annual Fee$29
Interest (Purch)13.99%
Credit LevelFair
ScotiabankVisa
Scotiabank Value Visa Card
WELCOME OFFER
BT promo 0.99%
PROS
- low-interest benefits
- balance-transfer benefits
CONS
- Annual fee of $29.0
ONGOING ANNUAL VALUE$-29
Annual Fee$29
Interest (Purch)12.99%
Credit LevelFair
CIBCVisa
CIBC Select Visa Card
WELCOME OFFER
None
PROS
- low-interest benefits
- Premium insurance packages
CONS
- Annual fee of $35.0
ONGOING ANNUAL VALUE$-35
Annual Fee$35
Interest (Purch)13.49%
Credit LevelFair
MBNAMastercard
MBNA Platinum Plus Mastercard
WELCOME OFFER
None
PROS
- newcomers benefits
- no-annual-fee benefits
CONS
- Fewer premium travel benefits
ONGOING ANNUAL VALUE+$0
Annual Fee$0
Interest (Purch)20.99%
Credit LevelFair
PC FinancialMastercard
PC Financial World Elite Mastercard
WELCOME OFFER
None
PROS
- gas benefits
- grocery benefits
CONS
- Fewer premium travel benefits
ONGOING ANNUAL VALUE+$28.2
Annual Fee$0
Interest (Purch)20.97%
Credit LevelGood
Expert Selection Protocol
How to Find the Best Credit Card on TopRates.ca
Follow our certified financial checklist to isolate maximum utility for your wallet.
01
Choose Rewards vs. Low Interest
If you pay your balance in full each month, select **Rewards cards** (Cashback or Points). If you carry a monthly balance, prioritize **Low Interest** or balance transfer offers to protect your capital.
02
Select Cashback vs. Travel Points
**Cashback** offers a straightforward, risk-free statement credit. **Travel Points** (like Aeroplan or Amex MR) yield higher valuations (2.0¢ per point) but require strategic redemptions for maximum reward yields.
03
Determine Fee Tolerances
Paid cards ($120 - $150/yr) offer superior points multipliers, welcome bonus pools, and rich travel insurance packages. Compare net yields to see if the rewards fully offset the yearly fee.