MintFlying Credit Cards
Compare Credit Cards in Canada
Find the best credit card in Canada for your spending habits. Compare travel rewards cards side-by-side—filter by issuing bank, rewards program, annual fee, card network, and features like lounge access and companion vouchers.
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Supermarkets & grocery stores
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Pharmacies & drugstores
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Issuing Bank
Card Network
Rewards Program
Key Features

American Express Aeroplan Card
The American Express Aeroplan Card is a mid-tier Aeroplan credit card that earns accelerated Aeroplan points on Air Canada and dining/food delivery purchases, plus offers a welcome bonus of up to 40,000 Aeroplan points and Air Canada travel benefits like a free first checked bag and preferred reward pricing.

American Express Aeroplan Reserve Card
Premium Aeroplan credit card from American Express designed for frequent Air Canada travellers, offering elevated Aeroplan earn rates, Maple Leaf Lounge and Air Canada Café access, and an Annual Companion Pass after meeting a yearly spend threshold.

American Express Cobalt Card
The American Express Cobalt Card earns accelerated Membership Rewards points on eats and drinks, streaming, and transit, with a monthly spend-based welcome bonus structure that can total up to 15,000 points in the first year.

American Express Gold Rewards Card
The American Express Gold Rewards Card earns Membership Rewards points on everyday spending, with accelerated rewards on gas, groceries, drugstores, and travel, plus an elevated welcome bonus earned through consistent monthly spending in the first year.

American Express Green Card
The American Express Green Card is a no-annual-fee Membership Rewards card that earns 1 point per dollar on everyday purchases and accelerated points on eligible hotel and car rentals booked through American Express Travel, with flexible redemption options including travel, gift cards, merchandise, and Amazon.ca Shop with Points.

American Express Platinum Card
The American Express Platinum Card is a premium rewards card earning Membership Rewards points on dining, travel, and everyday spending, with a large welcome bonus and rich travel benefits including a $200 annual travel credit, $200 annual dining credit, NEXUS fee credit, and complimentary access to the Global Lounge Collection.

BMO Ascend World Elite Mastercard
BMO Ascend World Elite Mastercard is a Canadian travel card with Up to 100,000 BMO Rewards points, $150 annual fee, and BMO Rewards plus lounge access. It earns 1 BMO Rewards points per $1 in bonus categories.

BMO CashBack Mastercard
The BMO CashBack Mastercard is a no-annual-fee cash back card that offers elevated rewards on grocery purchases and recurring bill payments, with flexible redemption options including statement credits and deposits to BMO accounts.

BMO CashBack World Elite Mastercard
The BMO CashBack World Elite Mastercard is a premium cash back card offering up to 5% back on groceries, strong earn rates on transit, gas, and recurring bills, and flexible cash back redemptions starting at $1, with the annual fee rebated in the first year and a welcome offer valued up to $650.

BMO eclipse Rise Visa
The BMO eclipse rise Visa Card is a no-annual-fee rewards card that earns accelerated BMO Rewards points on recurring bills, groceries, dining and takeout, plus a welcome bonus and opportunities to earn extra points annually for good payment and redemption habits.

BMO eclipse Visa Infinite
The BMO eclipse Visa Infinite Card is a lifestyle-focused rewards card that earns 5x BMO Rewards points on groceries, gas, transit, dining, and food delivery, plus 1x on everything else. It features a strong welcome offer, a $50 annual lifestyle credit, and built-in travel insurance benefits.

BMO eclipse Visa Infinite Privilege
Premium lifestyle and travel rewards card earning 5x BMO Rewards points on everyday categories, with a large welcome bonus, rich travel insurance, airport lounge access, and an annual $200 lifestyle credit for high-income Canadian cardholders.

BMO Preferred Rate Mastercard
A low-interest BMO Mastercard with a modest annual fee, featuring a 13.99% purchase rate and 15.99% cash advance rate, plus a first-year annual fee waiver and optional BMO PaySmart installment plans.

BMO VIPorter Mastercard
The BMO VIPorter Mastercard lets you earn VIPorter points on every purchase, with accelerated rewards on Porter flights and travel categories, plus a welcome package that includes up to 40,000 points, a 35% off flight voucher, and first-year annual fee waiver.

BMO VIPorter World Elite Mastercard
A premium travel Mastercard for Porter flyers, the BMO VIPorter World Elite Mastercard earns elevated VIPorter points on Porter, travel, groceries, dining and hotels, and includes perks like an annual round-trip companion pass, free checked and carry-on bags, seat selection, and priority airport services, with the annual fee waived in the first year.

CIBC Adapta Mastercard
The CIBC Adapta Mastercard automatically rewards you with bonus points in your top 3 monthly spend categories, offers a strong welcome bonus, and includes complimentary roadside assistance—all with no annual fee.

CIBC Aeroplan Visa
The CIBC Aeroplan Visa Card is a no annual fee travel rewards card that lets you earn Aeroplan points on everyday purchases, including gas, groceries, and Air Canada flights. Enjoy valuable insurance coverage and exclusive Aeroplan travel benefits, making it a great entry-level choice for Canadian travellers.

CIBC Aeroplan Visa Infinite
The CIBC Aeroplan Visa Infinite Card lets you earn Aeroplan points quickly on everyday purchases like gas, groceries, and Air Canada flights, with a strong welcome bonus and first year annual fee rebate. Enjoy comprehensive travel insurance, a free checked bag on Air Canada flights, and exclusive Visa Infinite perks.

CIBC Aeroplan Visa Infinite Privilege
The CIBC Aeroplan Visa Infinite Privilege Card is a premium travel rewards card for Canadians, offering up to 100,000 Aeroplan points as a welcome bonus, elevated earn rates on Air Canada and everyday purchases, Maple Leaf Lounge access, an annual companion pass, and a suite of premium travel and purchase insurance benefits.

CIBC Aventura Gold Visa
The CIBC Aventura Gold Visa Card offers flexible travel rewards, a generous welcome bonus, and 4 complimentary airport lounge visits per year, making it a strong choice for Canadians seeking travel perks and everyday earning power.

CIBC Aventura Visa
The CIBC Aventura Visa Card offers flexible travel rewards with no annual fee, allowing you to earn Aventura Points on everyday purchases and travel. Enjoy extra protection on new purchases and redeem points for flights, hotels, and more with no expiry.

CIBC Aventura Visa Infinite
The CIBC Aventura Visa Infinite Card offers flexible travel rewards, a strong welcome bonus, 4 complimentary airport lounge visits, and premium insurance coverage, making it a top choice for Canadian travellers seeking value and flexibility.

CIBC Aventura Visa Infinite Privilege
The CIBC Aventura Visa Infinite Privilege Card offers premium travel rewards, including up to 80,000 Aventura Points in the first year, 6 complimentary airport lounge visits, a $200 annual travel credit, and exclusive Visa Infinite Privilege benefits. Designed for high-income Canadians, it features accelerated earn rates on travel, dining, and everyday purchases.

CIBC Dividend Visa
The CIBC Dividend Visa Card is a no annual fee cash back card that earns 2% on groceries, 1% on gas, EV charging, transportation, dining, recurring payments, and CIBC by Expedia travel, and 0.5% on all other purchases. It offers valuable insurance coverage and exclusive gas savings with Journie Rewards, making it a strong everyday card for Canadian households.

CIBC Dividend Visa Infinite
The CIBC Dividend Visa Infinite Card is a top-rated Canadian cash back card offering 4% cash back on gas, EV charging, and groceries, plus valuable insurance and exclusive Visa Infinite perks. Enjoy a strong welcome bonus, first-year annual fee rebate, and no limit on the total cash back you can earn.

Marriott Bonvoy American Express Card
The Marriott Bonvoy American Express Card earns elevated Marriott Bonvoy points on Marriott stays and a solid rate on everyday purchases, with a substantial welcome bonus and an annual Free Night Award worth up to 35,000 points for ongoing value.

MBNA True Line Gold Mastercard
The MBNA True Line Gold Mastercard is a low-rate credit card featuring a 10.99% standard interest rate on purchases and a modest $39 annual fee, designed for Canadians seeking to reduce interest costs rather than earn rewards.

MBNA True Line Mastercard
The MBNA True Line Mastercard is a no-annual-fee low-interest card featuring a 12.99% purchase rate and a 0% promotional balance transfer rate for 12 months on transfers completed within 90 days of account opening.

More Rewards RBC Visa
The More Rewards RBC Visa is a no-annual-fee card that lets you earn accelerated More Rewards points at partner grocery, pharmacy, gas, EV charging, and dining locations, making it ideal for Western Canadians who shop at More Rewards partners. Enjoy a welcome bonus, comprehensive insurance, and exclusive partner perks.

More Rewards RBC Visa Infinite
The More Rewards RBC Visa Infinite lets you earn accelerated More Rewards points at partner locations, on gas, EV charging, and dining, with no annual fee. Ideal for Western Canadians, it also includes comprehensive insurance and exclusive partner perks.

RBC Avion Visa Infinite
The RBC Avion Visa Infinite is a premium travel rewards card that earns flexible Avion points on everyday and travel purchases, with a welcome bonus of up to 55,000 points and extensive travel insurance coverage, plus access to Visa Infinite benefits and Avion Rewards Elite membership.

RBC Avion Visa Infinite Privilege
A premium travel rewards card that earns 1.25 Avion points per dollar on all purchases, offers up to 70,000 Avion points as a welcome bonus, and includes extensive travel benefits such as lounge access, fast-track security, and comprehensive insurance coverage.

RBC British Airways Visa Infinite
The RBC British Airways Visa Infinite card earns Avios on everyday spending with elevated rewards on British Airways, dining and food delivery, plus a rich welcome bonus and annual companion voucher opportunity. Cardholders also benefit from a 10% discount on British Airways flights and broad travel and purchase protection insurance.

RBC Cash Back Mastercard
The RBC Cash Back Mastercard offers unlimited cash back with no annual fee, including up to 2% back on groceries and up to 1% on all other purchases. Enjoy a simple rewards program, exclusive partner offers, and essential purchase insurance coverage.

RBC Cash Back Preferred World Elite Mastercard
The RBC Cash Back Preferred World Elite Mastercard offers unlimited cash back on all purchases, premium travel benefits including lounge access, and exclusive perks from RBC and Mastercard. With a high earn rate on everyday spending and a strong welcome bonus, it's ideal for high-income Canadians seeking cash back and premium benefits.

RBC ION Visa
The RBC ION Visa is a no annual fee rewards card that lets you earn Avion points on everyday essentials like groceries, gas, rideshare, streaming, and more. Enjoy flexible redemption options, standard purchase security and extended warranty insurance, and access to exclusive partner offers.

RBC Visa Classic Low Rate
The RBC Visa Classic Low Rate Option credit card offers a low annual interest rate and a low annual fee, making it ideal for those who tend to carry a balance. It includes purchase security and extended warranty insurance, plus exclusive partner offers and the first year annual fee waived for new applicants.

RBC Visa Platinum
The RBC Visa Platinum card offers premium car, travel, and purchase insurance coverage with no annual fee, making it a strong value choice for Canadians seeking essential protections without ongoing costs.

RBC Visa Platinum Avion
The RBC Avion Visa Platinum is a travel rewards credit card that earns flexible Avion points on all purchases and includes automatic Avion Rewards Elite membership, allowing redemptions for flights, hotels, car rentals and more with no blackout dates or seat restrictions.

Rogers Red Mastercard
The Rogers Red Mastercard is a no-annual-fee cash back card that offers up to 2% cash back on everyday and U.S. dollar purchases, plus a 1.5x redemption bonus when you apply rewards to eligible Rogers, Fido, Shaw or Comwave bills and 5 free Roam Like Home days annually with an eligible Rogers mobile plan.

Rogers Red World Elite Mastercard
The Rogers Red World Elite Mastercard is a no-annual-fee cash back card that offers up to 3% cash back on U.S. dollar purchases and enhanced earn rates and redemption bonuses for Rogers, Fido, Shaw and Comwave customers, along with included insurance benefits and 5 free Roam Like Home days each year with an eligible Rogers mobile plan.

Scotia Momentum Visa Infinite Card
The Scotia Momentum Visa Infinite Card offers up to 4% cash back on groceries and recurring payments, 2% on gas, transit, and food delivery, and 1% on all other purchases. Enjoy a strong welcome bonus, comprehensive travel and mobile device insurance, and first-year annual fee waiver for both primary and supplementary cards.

Scotiabank American Express Card
The Scotiabank American Express Card is a no-fee Scene+ rewards card that earns accelerated Scene+ points on groceries at participating Sobeys group stores, on everyday categories like dining, entertainment, gas, transit and streaming, and on all other purchases, with a modest welcome bonus for new cardholders.

Scotiabank American Express Platinum Card
The Scotiabank Platinum American Express Card offers accelerated Scene+ points on all purchases, no foreign transaction fees, and premium travel benefits including Priority Pass lounge access and comprehensive travel insurance.

Scotiabank Gold American Express Card
The Scotiabank Gold American Express Card offers accelerated Scene+ points on groceries, dining, entertainment, gas, transit, and streaming, with no foreign transaction fees and a strong welcome bonus. It's ideal for Canadians seeking flexible rewards and premium earn rates on everyday spending.

Scotiabank Momentum Mastercard
The Scotiabank Momentum Mastercard is a no annual fee cash back card that offers 1% cash back on gas, groceries, drug stores, and recurring payments, and 0.5% on all other purchases. It features a 7.99% introductory purchase interest rate for the first 6 months, making it a strong choice for everyday spending and value-conscious Canadians.

Scotiabank Momentum No-Fee Visa
The Scotiabank Momentum No-Fee Visa Card offers up to 1% cash back on everyday purchases with no annual fee, making it a great choice for Canadians seeking simple rewards and flexible cash back redemption.

Scotiabank Momentum Visa
The Scotiabank Momentum Visa Card offers up to 2% cash back on everyday purchases like groceries, gas, transit, and recurring bills, with a modest annual fee. Cardholders also benefit from car rental discounts and flexible cash back redemption options.

Scotiabank Passport Visa Infinite Card
A premium no-foreign-transaction-fee travel rewards card that earns accelerated Scene+ points on travel, groceries, dining, entertainment and transit, and includes six annual airport lounge visits plus robust travel insurance coverage.

Scotiabank Passport Visa Infinite Privilege Card
A premium travel rewards card with no foreign transaction fees, rich Scene+ earning on travel, dining, and everyday purchases, a $250 annual travel credit, and extensive airport lounge access and luxury travel benefits for high-income Canadian travelers.

Scotiabank Scene+ Visa Card
The Scotiabank Scene+ Visa Card is a no annual fee credit card that lets you earn Scene+ points on every purchase, with accelerated rates at select grocery stores, Cineplex, Home Hardware, and when booking hotels and car rentals through Scene+ Travel. Redeem your points flexibly for travel, entertainment, and more, making it a great entry-level rewards card for everyday spending.

Scotiabank Value Visa Card
The Scotiabank Value Visa Card is a low-interest credit card designed for Canadians who want to save on interest and pay down balances faster, with a competitive 13.99% rate on purchases and cash advances. It features a low annual fee, first-year fee waiver, and special balance transfer offers, making it ideal for those focused on debt repayment rather than rewards.

SimplyCash Card from American Express
The SimplyCash Card from American Express is a no-annual-fee cash back card that offers a 5% bonus cash back welcome offer and strong ongoing earn rates, including 2% cash back on eligible gas and grocery purchases up to an annual cap and 1.25% on other eligible spending.

SimplyCash Preferred Card from American Express
The SimplyCash Preferred Card from American Express is a cash back credit card that offers a 10% welcome cash back bonus on your first $2,000 in purchases, plus elevated cash back on gas and grocery purchases and a flat rate on all other eligible spending for straightforward rewards.

TD Aeroplan Visa Infinite Card
The TD Aeroplan Visa Infinite Card is a premium Aeroplan rewards credit card that earns accelerated points on gas, EV charging, groceries and Air Canada purchases, plus a strong welcome bonus package. Cardholders benefit from free first checked bags for up to eight companions on Air Canada flights, NEXUS fee rebates, and exclusive Visa Infinite travel and lifestyle perks.

TD Aeroplan Visa Infinite Privilege Card
Ultra-premium metal Aeroplan credit card offering up to 85,000 Aeroplan points in the first year, elevated earn rates on Air Canada and everyday categories, and extensive Air Canada travel perks including Maple Leaf Lounge access and an annual Worldwide Companion Pass.

TD Aeroplan Visa Platinum Card
The TD Aeroplan Visa Platinum Card is an entry-level Aeroplan credit card that earns Aeroplan points on everyday purchases, with accelerated earning on gas, EV charging, groceries and Air Canada purchases, plus a first-year annual fee rebate and a modest welcome bonus.

TD Cash Back Visa Card
The TD Cash Back Visa Card is a no annual fee credit card that lets you earn 1% cash back on groceries, gas, transit, recurring bills, and streaming, plus 0.5% on all other purchases. Redeem your Cash Back Dollars at any time to help pay down your account balance.

TD Cash Back Visa Infinite Card
The TD Cash Back Visa Infinite Card offers 3% cash back on groceries, gas, transit, recurring bills, and streaming, plus 1% on everything else. Enjoy a strong welcome bonus, first-year annual fee rebate, premium insurance, and free roadside assistance.

TD First Class Travel Visa Infinite Card
The TD First Class Travel Visa Infinite Card offers strong travel rewards with up to 165,000 TD Rewards Points as a welcome bonus, first-year annual fee rebate, and accelerated earn rates on travel, groceries, dining, and more. Enjoy premium travel benefits including a $100 annual travel credit, 4 complimentary airport lounge visits, and comprehensive travel insurance.

TD Low Rate Visa Card
TD Low Rate Visa Card offers a low ongoing rate on purchases and cash advances, with a 0% promotional rate on Purchases for the first 6 months. It includes optional Travel Medical Insurance and Trip Cancellation/Trip Interruption Insurance, Purchase Security and Extended Warranty Protection, Starbucks Stars, and digital wallet compatibility.

TD Platinum Travel Visa Card
The TD Platinum Travel Visa Card lets you earn TD Rewards Points on everyday purchases, with accelerated rates for travel booked through Expedia For TD, groceries, dining, and more. Enjoy flexible redemption options, a strong suite of travel insurance, and a first-year annual fee rebate.

TD Rewards Visa Card
The TD Rewards Visa Card is a no annual fee travel rewards card that lets you earn TD Rewards Points on everyday purchases, including groceries, dining, public transit, and travel booked through Expedia For TD. Enjoy flexible redemption options, mobile device insurance, and exclusive savings on car rentals.

WestJet RBC Mastercard
The WestJet RBC Mastercard is a low-fee travel card that earns WestJet points on everyday spending, with accelerated earn on WestJet travel and select dining and digital categories. Cardholders also receive a welcome and annual companion voucher tied to modest annual spend, plus mobile device and travel-related insurance benefits.

WestJet RBC World Elite Mastercard
A premium WestJet travel card that earns elevated WestJet points on WestJet, grocery, gas and transportation purchases, plus strong travel perks including free checked bags, an annual companion voucher with flexible exchange options, and access to airport lounges.
How to Choose the Best Credit Card in Canada
With dozens of credit cards available from Canada's major banks and financial institutions, finding the right card can feel overwhelming. Whether you're looking for the best travel rewards credit card, a no-annual-fee everyday card, or a premium card with lounge access and comprehensive insurance, our comparison tool makes it easy to evaluate your options side-by-side.
We track credit cards from RBC, TD, CIBC, BMO, Scotiabank, American Express, HSBC, MBNA, National Bank, and more—covering every major rewards program in Canada including Aeroplan, Avion, Scene+, Aventura, Membership Rewards, and others. Each card listing is updated regularly so you can compare the latest sign-up bonuses, earn rates, and benefits.
Compare Annual Fees
Filter credit cards by annual fee to find no-fee options or see whether a premium card's perks justify the cost. Many Canadian banks waive the first-year fee as a promotional offer.
Travel Rewards Programs
Earn Aeroplan points, Avion rewards, Scene+ points, Aventura miles, or Amex Membership Rewards. Compare which rewards program and credit card gives you the best value for flights, hotels, and other travel.
Premium Card Perks
Airport lounge access, companion vouchers, no foreign transaction fees, and comprehensive travel insurance—see which Canadian credit cards offer the best premium travel benefits at a glance.
Credit Card Comparison Guide for Canadians
Best Travel Credit Cards in Canada
Travel credit cards in Canada let you earn points or miles on everyday purchases that can be redeemed for flights, hotel stays, and other travel expenses. The most popular travel rewards programs include Aeroplan (Air Canada), Avion (RBC), Scene+ (Scotiabank), Aventura (CIBC), and Membership Rewards (American Express). Each program has its own strengths—Aeroplan cards are ideal for Star Alliance flyers, while Avion points offer flexibility across multiple airlines.
No-Annual-Fee vs. Premium Credit Cards
A no-annual-fee credit card is a great choice if you want to earn rewards without paying for the privilege. However, premium cards (typically $120–$599/year) often deliver far more value through higher earn rates, airport lounge access, travel insurance, companion vouchers, and other perks. If you spend $2,000+ per month on your card, a premium card almost always pays for itself.
Foreign Transaction Fees
Most Canadian credit cards add a 2.5% surcharge on purchases made in a foreign currency. If you travel internationally or shop at US-based online retailers, look for a card that waives this fee. Several premium cards—and a few mid-tier options—offer 0% foreign transaction fees, which can save you hundreds of dollars per year.
Maximizing Credit Card Sign-Up Bonuses
Welcome bonuses are one of the fastest ways to accumulate a large points balance. Canadian banks regularly offer bonuses worth $300–$1,000+ in travel value when you meet a minimum spending requirement in the first few months. Keep an eye on seasonal promotions, as banks frequently increase their standard bonus offers during key periods throughout the year.
