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All 72 Canadian credit cards we score.
Filter, sort, search. Every number on this page is computed from the same source-of-truth database that drives our category pages, calculator, and quiz.
72cards
20issuers
35no-fee
20newcomer-friendly
27cash back
38points
Showing 72 of 72 cards
Score 4.0+$0 feeNewcomer-eligible
How to readYear-1 value = annual rewards at $36k/yr standard spend + welcome bonus − Year-1 annual fee. Ongoing = annual rewards − full annual fee (no welcome). TopRates score is the weighted 0–5 rating per our methodology. Numbers refreshed weekly from issuer-published terms.
| # | Card Art | Card | Type | Fee | Welcome | Year-1 | Ongoing | Score | Newcomer | FX Fee | Action |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 01 | PlatinumAMEX —AMERICAN EXPRESS | The Platinum CardAmerican Express · Amex | Points | $799 | $2000 | $2,508.7 | $508.7 | 3.0/5 | — | 2.5% | View → |
| 02 | GoldAMEX —AMERICAN EXPRESS | American Express Gold Rewards CardAmerican Express · Amex | Points | $250 | $1500 | $2,095.7 | $595.7 | 3.0/5 | — | 2.5% | View → |
| 03 | Aero ReserveAMEX —AMERICAN EXPRESS | American Express Aeroplan Reserve CardAmerican Express · Amex | Points | $599 | $1350 | $2,075.5 | $725.5 | 3.0/5 | — | 2.5% | View → |
| 04 | AeroplanVISA —VISA | TD Aeroplan Visa Infinite Privilege CardTD · Visa | Points | $599 | $1500 | $2,069.5 | $569.5 | 3.0/5 | — | 2.5% | View → |
| 05 | BMO VIPorterMASTERCARD —MASTERCARD | BMO VIPorter World Elite MastercardBMO · Mastercard | Points | $199 Y1 $0 | $1050 | $1,944.9 | $695.9 | 3.0/5 | — | 2.5% | View → |
| 06 | eclipse VIPVISA —VISA | BMO eclipse Visa Infinite Privilege CardBMO · Visa | Points | $399 | $1340 | $1,921.55 | $581.55 | 3.0/5 | — | 2.5% | View → |
| 07 | AeroplanVISA —VISA | CIBC Aeroplan Visa Infinite Privilege CardCIBC · Visa | Points | $599 | $1200 | $1,769.5 | $569.5 | 3.0/5 | — | 2.5% | View → |
| 08 | TD FirstVISA —VISA | TD First Class Travel Visa Infinite CardTD · Visa | Points | $139 Y1 $0 | $825 | $1,458.3 | $494.3 | 3.0/5 | — | 2.5% | View → |
| 09 | HSBC WorldMASTERCARD —MASTERCARD | HSBC World Elite MastercardHSBC Canada · Mastercard | Points | $149 | $1000 | $1,442.3 | $442.3 | 3.0/5 | — | 2.5% | View → |
| 10 | American ExpressAMEX —AMERICAN EXPRESS | American Express Business Edge CardAmerican Express · Amex | Points | $199 | $1000 | $1,358.7 | $358.7 | 3.0/5 | — | 2.5% | View → |
| 11 | AvionVISA —VISA | RBC Avion Visa Infinite Privilege CardRBC · Visa | Points | $399 | $750 | $1,339.5 | $589.5 | 3.0/5 | — | 2.5% | View → |
| 12 | AscendMASTERCARD —MASTERCARD | BMO Ascend World Elite MastercardBMO · Mastercard | Points | $150 Y1 $0 | $771 | $1,337.71 | $416.71 | 3.0/5 | — | 2.5% | View → |
| 13 | CashBack WEMASTERCARD —MASTERCARD | BMO CashBack World Elite MastercardBMO · Mastercard | Cash Back | $120 Y1 $0 | $480 | $1,310.1 | $710.1 | 3.0/5 | — | 2.5% | View → |
| 14 | eclipse VIVISA —VISA | BMO eclipse Visa Infinite CardBMO · Visa | Points | $120 Y1 $0 | $469 | $1,283.5 | $694.5 | 3.0/5 | — | 2.5% | View → |
| 15 | CobaltAMEX —AMERICAN EXPRESS | American Express Cobalt CardAmerican Express · Amex | Points | $155.88 | $600 | $1,214.22 | $614.22 | 3.0/5 | — | 2.5% | View → |
| 16 | AeroplanVISA —VISA | TD Aeroplan Visa Infinite CardTD · Visa | Points | $139 | $600 | $1,181.9 | $581.9 | 3.0/5 | — | 2.5% | View → |
| 17 | BMO VIPorterMASTERCARD —MASTERCARD | BMO VIPorter MastercardBMO · Mastercard | Points | $89 Y1 $0 | $600 | $1,155.45 | $466.45 | 3.0/5 | — | 2.5% | View → |
| 18 | GoldAMEX —AMERICAN EXPRESS | Scotiabank Gold American Express CardScotiabank · Amex | Points | $120 | $450 | $1,155.3 | $705.3 | 3.0/5 | — | 2.5% | View → |
| 19 | MBNA RewardsMASTERCARD —MASTERCARD | MBNA Rewards World Elite MastercardMBNA · Mastercard | Points | $0 | $300 | $1,100.1 | $800.1 | 3.0/5 | — | 2.5% | View → |
| 20 | AeroplanVISA —VISA | CIBC Aeroplan Visa Infinite CardCIBC · Visa | Points | $139 | $450 | $1,073.9 | $623.9 | 3.0/5 | — | 2.5% | View → |
| 21 | DividendVISA —VISA | CIBC Dividend Visa Infinite CardCIBC · Visa | Cash Back | $120 Y1 $0 | $400 | $1,063.3 | $543.3 | 3.0/5 | — | 2.5% | View → |
| 22 | PassportVISA —VISA | Scotiabank Passport Visa Infinite CardScotiabank · Visa | Points | $170 | $600 | $994.9 | $394.9 | 3.0/5 | — | 2.5% | View → |
| 23 | AvionVISA —VISA | RBC Avion Visa Infinite CardRBC · Visa | Points | $120 | $450 | $980.1 | $530.1 | 3.0/5 | — | 2.5% | View → |
| 24 | Neo WorldMASTERCARD —MASTERCARD | Neo World Elite MastercardNeo Financial · Mastercard | Cash Back | $0 | — | $932.4 | $932.4 | 3.0/5 | — | 2.5% | View → |
| 25 | RewardsMASTERCARD —MASTERCARD | Tangerine Rewards World Elite MastercardTangerine · Mastercard | Points | $0 | $300 | $931.05 | $631.05 | 3.0/5 | — | 2.5% | View → |
| 26 | SimplyCash PreferredAMEX —AMERICAN EXPRESS | SimplyCash Preferred Card from AmexAmerican Express · Amex | Cash Back | $120 | $400 | $890.5 | $490.5 | 3.0/5 | — | 2.5% | View → |
| 27 | National BankMASTERCARD —MASTERCARD | National Bank World Elite MastercardNational Bank · Mastercard | Points | $150 | $400 | $889.3 | $489.3 | 3.0/5 | — | 2.5% | View → |
| 28 | Neo WorldMASTERCARD —MASTERCARD | Neo World MastercardNeo Financial · Mastercard | Cash Back | $0 | — | $877.2 | $877.2 | 3.0/5 | — | 2.5% | View → |
| 29 | MomentumVISA —VISA | Scotia Momentum Visa Infinite CardScotiabank · Visa | Cash Back | $120 Y1 $0 | $259 | $876.7 | $497.7 | 3.0/5 | — | 2.5% | View → |
| 30 | United MileagePlusMASTERCARD —MASTERCARD | United MileagePlus Neo World Elite MastercardNeo Financial · Mastercard | Points | $120 | $400 | $871.6 | $471.6 | 3.0/5 | — | 2.5% | View → |
| 31 | Neo SecuredMASTERCARD —MASTERCARD | Neo Secured MastercardNeo Financial · Mastercard | Cash Back | $0 | — | $849.6 | $849.6 | 3.0/5 | ✓ Yes | 2.5% | View → |
| 32 | CashBackVISA —VISA | TD Cash Back Visa Infinite CardTD · Visa | Cash Back | $139 Y1 $0 | $245 | $835.1 | $451.1 | 3.0/5 | — | 2.5% | View → |
| 33 | CashBackVISA —VISA | Simplii Financial Cash Back Visa CardSimplii · Visa | Cash Back | $0 | $200 | $801.8 | $601.8 | 3.0/5 | — | 2.5% | View → |
| 34 | RBC WestJetMASTERCARD —MASTERCARD | RBC WestJet World Elite MastercardRBC · Mastercard | Points | $119 | $450 | $774.1 | $324.1 | 3.0/5 | — | 2.5% | View → |
| 35 | AeroplanAMEX —AMERICAN EXPRESS | American Express Aeroplan CardAmerican Express · Amex | Points | $0 | $150 | $751.05 | $601.05 | 3.0/5 | — | 2.5% | View → |
| 36 | AventuraVISA —VISA | CIBC Aventura Visa Infinite CardCIBC · Visa | Points | $139 Y1 $0 | $300 | $747.3 | $308.3 | 3.0/5 | — | 2.5% | View → |
| 37 | Desjardins OdysseyVISA —VISA | Desjardins Odyssey World Elite VisaDesjardins · Visa | Points | $150 | $300 | $714.9 | $414.9 | 3.0/5 | — | 2.5% | View → |
| 38 | SimplyCash CardAMEX —AMERICAN EXPRESS | SimplyCash Card from American ExpressAmerican Express · Amex | Cash Back | $0 | $300 | $651 | $351 | 3.0/5 | — | 2.5% | View → |
| 39 | eclipse riseVISA —VISA | BMO eclipse rise Visa CardBMO · Visa | Points | $0 | $168 | $632.4 | $464.4 | 3.0/5 | ✓ Yes | 2.5% | View → |
| 40 | Scotiabank Scene+VISA —VISA | Scotiabank Scene+ Visa CardScotiabank · Visa | Points | $0 | $100 | $553.6 | $453.6 | 3.0/5 | ✓ Yes | 2.5% | View → |
| 41 | TriangleMASTERCARD —MASTERCARD | Triangle World Elite MastercardCanadian Tire · Mastercard | Points | $0 | $100 | $513.85 | $413.85 | 3.0/5 | — | 2.5% | View → |
| 42 | CashBackVISA —VISA | Desjardins Cash Back World Elite VisaDesjardins · Visa | Cash Back | $99 | — | $511.5 | $511.5 | 3.0/5 | — | 2.5% | View → |
| 43 | BMO CashBackMASTERCARD —MASTERCARD | BMO CashBack MastercardBMO · Mastercard | Cash Back | $0 | $100 | $494.8 | $394.8 | 3.0/5 | ✓ Yes | 2.5% | View → |
| 44 | BMO CashBackMASTERCARD —MASTERCARD | BMO CashBack Mastercard for studentsBMO · Mastercard | Cash Back | $0 | $100 | $494.8 | $394.8 | 3.0/5 | ✓ Yes | 2.5% | View → |
| 45 | Money-BackMASTERCARD —MASTERCARD | Tangerine Money-Back Credit CardTangerine · Mastercard | Cash Back | $0 | $100 | $488.8 | $388.8 | 3.0/5 | — | 2.5% | View → |
| 46 | Money-BackMASTERCARD —MASTERCARD | Tangerine Money-Back World MastercardTangerine · Mastercard | Cash Back | $0 | $100 | $488.8 | $388.8 | 3.0/5 | — | 2.5% | View → |
| 47 | CIBC CostcoMASTERCARD —MASTERCARD | CIBC Costco MastercardCIBC · Mastercard | Cash Back | $0 | — | $466.65 | $466.65 | 3.0/5 | — | 2.5% | View → |
| 48 | Brim FinancialMASTERCARD —MASTERCARD | Brim Financial World Elite MastercardBrim Financial · Mastercard | Points | $199 | — | $460.7 | $460.7 | 3.0/5 | — | 2.5% | View → |
| 49 | Rogers WorldMASTERCARD —MASTERCARD | Rogers World Elite MastercardRogers · Mastercard | Cash Back | $0 | — | $329.4 | $329.4 | 3.0/5 | — | 2.5% | View → |
| 50 | TriangleMASTERCARD —MASTERCARD | Triangle MastercardCanadian Tire · Mastercard | Points | $0 | $50 | $303.8 | $253.8 | 3.0/5 | ✓ Yes | 2.5% | View → |
| 51 | ION+VISA —VISA | RBC ION+ Visa CardRBC · Visa | Cash Back | $0 | $50 | $300.8 | $250.8 | 3.0/5 | ✓ Yes | 2.5% | View → |
| 52 | CashBackMASTERCARD —MASTERCARD | RBC Cash Back MastercardRBC · Mastercard | Cash Back | $0 | — | $298.8 | $298.8 | 3.0/5 | ✓ Yes | 2.5% | View → |
| 53 | KOHO EverythingMASTERCARD —MASTERCARD | KOHO Everything MastercardKOHO · Mastercard | Cash Back | $168 | — | $271.2 | $271.2 | 3.0/5 | ✓ Yes | 2.5% | View → |
| 54 | Fido MastercardMASTERCARD —MASTERCARD | Fido MastercardRogers · Mastercard | Cash Back | $0 | — | $267.6 | $267.6 | 3.0/5 | — | 2.5% | View → |
| 55 | KOHO ExtraMASTERCARD —MASTERCARD | KOHO Extra MastercardKOHO · Mastercard | Cash Back | $84 | — | $231.6 | $231.6 | 3.0/5 | ✓ Yes | 2.5% | View → |
| 56 | TD RewardsVISA —VISA | TD Rewards Visa CardTD · Visa | Points | $0 | — | $219.6 | $219.6 | 3.0/5 | ✓ Yes | 2.5% | View → |
| 57 | PlatinumMASTERCARD —MASTERCARD | Rogers Platinum MastercardRogers · Mastercard | Cash Back | $0 | — | $219.6 | $219.6 | 3.0/5 | — | 2.5% | View → |
| 58 | National BankMASTERCARD —MASTERCARD | National Bank MastercardNational Bank · Mastercard | Points | $0 | — | $219.6 | $219.6 | 3.0/5 | ✓ Yes | 2.5% | View → |
| 59 | Brim MastercardMASTERCARD —MASTERCARD | Brim MastercardBrim Financial · Mastercard | Points | $0 | — | $219.6 | $219.6 | 3.0/5 | ✓ Yes | 2.5% | View → |
| 60 | Wealthsimple CashVISA —VISA | Wealthsimple Cash CardWealthsimple · Visa | Cash Back | $0 | — | $219.6 | $219.6 | 3.0/5 | ✓ Yes | 2.5% | View → |
| 61 | Loop CardVISA —VISA | Loop CardLoop Financial · Visa | Cash Back | $0 | — | $219.6 | $219.6 | 3.0/5 | ✓ Yes | 2.5% | View → |
| 62 | Simplii FinancialVISA —VISA | Simplii Financial Visa CardSimplii · Visa | Cash Back | $0 | — | $205.8 | $205.8 | 3.0/5 | ✓ Yes | 2.5% | View → |
| 63 | KOHO EssentialMASTERCARD —MASTERCARD | KOHO Essential MastercardKOHO · Mastercard | Cash Back | $0 | — | $157.8 | $157.8 | 3.0/5 | ✓ Yes | 2.5% | View → |
| 64 | PC OptimumMASTERCARD —MASTERCARD | PC Financial World Elite MastercardPC Financial · Mastercard | Points | $0 | — | $41.16 | $41.16 | 3.0/5 | — | 2.5% | View → |
| 65 | PC OptimumMASTERCARD —MASTERCARD | PC Financial MastercardPC Financial · Mastercard | Points | $0 | — | $36.36 | $36.36 | 3.0/5 | ✓ Yes | 2.5% | View → |
| 66 | BMO PreferredMASTERCARD —MASTERCARD | BMO Preferred Rate MastercardBMO · Mastercard | Points | $29 Y1 $0 | — | $0 | $-29 | 3.0/5 | — | 2.5% | View → |
| 67 | TD LowVISA —VISA | TD Low Rate Visa CardTD · Visa | Points | $0 | — | $0 | $0 | 3.0/5 | — | 2.5% | View → |
| 68 | MBNA TrueMASTERCARD —MASTERCARD | MBNA True Line MastercardMBNA · Mastercard | Points | $0 | — | $0 | $0 | 3.0/5 | — | 2.5% | View → |
| 69 | PlatinumMASTERCARD —MASTERCARD | MBNA Platinum Plus MastercardMBNA · Mastercard | Points | $0 | — | $0 | $0 | 3.0/5 | ✓ Yes | 2.5% | View → |
| 70 | Desjardins ClassicVISA —VISA | Desjardins Classic Visa CardDesjardins · Visa | Points | $0 | — | $0 | $0 | 3.0/5 | ✓ Yes | 2.5% | View → |
| 71 | Scotiabank ValueVISA —VISA | Scotiabank Value Visa CardScotiabank · Visa | Points | $29 | — | $-29 | $-29 | 3.0/5 | — | 2.5% | View → |
| 72 | CIBC SelectVISA —VISA | CIBC Select Visa CardCIBC · Visa | Points | $35 | — | $-35 | $-35 | 3.0/5 | — | 2.5% | View → |