Best credit cards in Canada

• 1 point per $1 on everything (base card: $0/yr at 1 pt per $2)

Income

World Elite standards apply

FX fee

1.5% — Brim’s old no-FX positioning is GONE; both cards now charge “a low 1.5% foreign transaction fee”

Rates

See issuer page purchases · See issuer page advances

$15.99/month ($191.88/yr); supplementary $0 (up to 9)

• 5× on eats & drinks — restaurants, stand-alone grocery, food delivery (combined $2,500/month cap)
• 3× streaming · 2× gas/transit/rideshare · 1× else (+1 on Amex Travel Online)

1,250 pts per monthly period with $750 spend — up to 15,000 in year 1; ongoing, former Cobalt members excluded

Income

No income requirement

FX fee

Not published on the card page — confirm in the cardmember agreement (typically 2.5%)

Travel medical

15 days if 64 or under ($5M) · 65+: EXCLUDED entirely — certificate-verified

Rates

21.99% purchases · 21.99% (escalates after missed payments) advances

One supplementary Gold free, $50 thereafter

• 2× travel · 2× gas/grocery/drugstore (Canada) · 1× else
• $100 annual travel credit (Amex Travel, use-it-or-lose-it) + NEXUS credit every 4 yrs

5,000 pts per monthly period with $1,000 spend — up to 60,000 in year 1; ongoing

Income

No income requirement

FX fee

Not published on the card page — confirm in the cardmember agreement (typically 2.5%)

Travel medical

15 days if 64 or under ($5M) · 65+: EXCLUDED entirely — certificate-verified

Rates

21.99% purchases · 21.99% advances

Additional Platinum $250; first two additional Golds $0

• 2× dining & food delivery · 2× travel · 1× else
• $200 annual travel credit + $200 annual dining credit (enrolment + eligible restaurants)
• Global Lounge Collection incl. Centurion lounges

Up to 130,000 pts: 90,000 with $10,000 in 3 months + 40,000 with $45,000 in 12 months — ongoing

Income

No income requirement — charge card, no preset limit

FX fee

Not published on the card page — confirm in the cardmember agreement (typically 2.5%)

Travel medical

15 days if 64 or under ($5M) · 65+: EXCLUDED entirely — even at $799/yr

Rates

Charge card — 21.99% on carried Flexible Payment balances purchases · n/a advances

$75 per additional cardholder; first-year rebate in the current offer

• 1.5× gas, EV charging, grocery and direct Air Canada · 1× else
• Free first checked bag for up to 9 travellers on one reservation + NEXUS credit

Up to 40,000 Aeroplan pts (10k first purchase + 15k at $3,000/90 days + 15k anniversary at $12,000) + first-year rebate — ongoing, may be withdrawn

Income

$60,000 personal / $100,000 household

FX fee

Not published on the card page — confirm in the cardholder agreement (typically 2.5%)

Travel medical

21 days if 64 or under ($2M) · 65+: first 4 days — among the best big-bank 65+ treatment

Rates

21.99% purchases · 22.99% advances

$50 per additional; no first-year waiver in the current offer

• 1.25× travel · 1× everything else
• Air Travel Redemption Schedule: long-haul round trips from 35,000 pts (to a $750 ticket)

Up to 70,000 pts: 35,000 on approval + 20,000 with $5,000/6 months + 15,000 anniversary — APPLY BY JULY 15, 2026

Income

$60,000 personal / $100,000 household

FX fee

Not published on the card page — confirm in the cardholder agreement (typically 2.5%)

Travel medical

15 days under 65 · 65+: 3 days — with an UNLIMITED maximum benefit (unique)

Rates

20.99% purchases · 22.99% advances

Waived with an eligible Scotia bank account; first supplementary $0

• 3× at Sobeys/Safeway/IGA/Foodland · 2× dining, other groceries, entertainment, transit · 1× else
• 10,000-pt annual bonus at $40,000 spend

Headline 60,000 Scene+ pts (40k at $2,000/3mo + 10k at $10,000/6mo + the annual 10k spend bonus) — accounts opened Jan 2 to July 1, 2026 · Ends soon

Income

$60,000 personal / $100,000 household / $250,000 AUM

FX fee

NONE — “without the typical 2.5% foreign transaction fee… Just the exchange rate applies”

Travel medical

25 days under 65 ($2M) · 65+: 3 days — NOT the 10 days widely cited (that’s the $599 Privilege card)

Rates

20.99% purchases · 22.99% advances

First year rebated; up to 3 additional cards at $50 (also rebated yr 1)

• 2× travel via CIBC Rewards Centre · 1.5× gas/EV/grocery/drugstore · 1× else

Up to 60,000 Aventura pts (15k first purchase + 30k at $3,000 + 15k at $5,000, first 4 statement periods) — ongoing

Income

$60,000 personal / $100,000 household

FX fee

Not published on the card page — confirm in the cardholder agreement (typically 2.5%)

Travel medical

15 days if 64 or under ($5M) · 65+: 3 days — pre-existing stability window doubles to 180 days at 65+

Rates

21.99% — raised recently; aggregators still show 20.99% purchases · 22.99% (21.99% Quebec) advances

Waived first year (incl. authorized users); rebated annually with BMO Premium chequing

• 5× travel · 3× dining, entertainment, recurring bills · 1× else
• Bonus rates revert to base beyond $10,000 annual spend per category

Up to 100,000 pts (45k at $5,000/110 days + 20k at $10,000/180 + 35k at $20,000/365) + NEXUS credit — applications Dec 15, 2025 to Oct 31, 2026

Income

$80,000 personal / $150,000 household

FX fee

2.5% (BMO rates PDF)

Travel medical

21 days if 64 or under ($5M) · 65+: EXCLUDED — certificate-verified (an optional paid 31-day plan is sold to ages 65–74)

Rates

21.99% purchases · 23.99% advances

Charge card — 30% interest on balances not paid in full

• 2× Air Canada & AC Vacations · 1.5× dining and food delivery · 1× else
• Free first checked bag for up to 9 on one Air Canada reservation

Up to 45,000 pts (35k at $7,500/6mo + 10k month-13 spend) — ongoing

Income

No income requirement

FX fee

2.5% (Amex fee schedule)

Travel medical

NONE — certificate-confirmed: zero emergency-medical coverage on this card

Rates

Charge card — pay in full (30% on carried balances) purchases · n/a advances

Supplementary Reserve $199

• 3× Air Canada & AC Vacations · 2× dining/food delivery · 1.25× else
• Maple Leaf Lounge + AC Café access (Canada/US) · free first checked bag for up to 9 · annual Companion Pass

Up to 150,000 pts (70k at $7,500/3mo + 40k at $45,000/12mo + 40k months 15–17) — offer ends July 28, 2026

Income

No income requirement

FX fee

2.5% (Amex fee schedule)

Travel medical

15 days if under 65 ($5M) · 65+: EXCLUDED — the Amex pattern holds at $599

Rates

Charge card — pay in full purchases · n/a advances

$50 second authorized card

• 5 pts/$1 groceries & restaurants — but only on the first $2,500 of TOTAL monthly purchases (all categories), then 2 pts
• 2 pts gas/EV, recurring bills, À la carte Travel · 1 pt else · $150/yr travel-expense refund (bags, seats, lounges)

Up to 35,000 pts — but only 15k is pure spend; 20k requires insurance enrolment + a chequing package — ends June 29, 2026 · Ends soon

Income

$80,000 personal / $150,000 household

FX fee

2.5%

Travel medical

60 days (≤54) · 31 days (55–64) · 15 days (65–75) — the best 65+ coverage in Canada

Rates

20.99% purchases · 22.49% advances

• 3% groceries (first $10,000/yr) · 3% restaurants (first $6,000/yr) · 2% entertainment, transit, travel (caps apply)
• BONUSDOLLARS redeem 1:1; 8 free Desjardins Lounge passes/yr (Montréal-Trudeau)

None currently offered

Income

$80,000 personal / $150,000 household — available Canada-wide, caisse membership not required

FX fee

2.5%

Travel medical

60 days (≤59) · 31 days (60–64) · 15 days (65–75) — certificate-verified

Rates

20.9% purchases · 21.9% advances

• 2 pts/$1 (4 pts first 90 days) on restaurants, groceries, digital media, memberships and utilities — $10,000/yr cap per category
• 1 pt/$1 elsewhere · points worth 1¢ toward travel, 0.5¢ as cash
• Birthday bonus: 10% of prior-year points (max 10,000)

5,000 pts after $500 spend in 90 days + 5,000 pts for paperless enrolment (no end date stated)

Income

No income floor — Canadian resident, age of majority

FX fee

2.5% (application disclosure)

Rates

21.99% purchases · 22.99% advances

Secured route requires the $7.99/month Build membership (waivable)

• 1% on gas & groceries to an unspecified monthly cap, then 0% — plus rotating partner offers
• One card, two onboarding paths: traditional credit (to $10,000) or secured (min $50 security funds)

Income

No stated minimum

FX fee

3% per the current fee schedule (Neo’s disclosure PDF still says 2.5% — discrepancy noted)

Rates

19.99%–29.99% (risk-based) purchases · 22.99%–31.99% advances

• 2% in 2 categories you choose (a 3rd unlocks by depositing rewards into Tangerine Savings) — unlimited, no caps
• 0.5% on everything else
• World Mastercard variant ($50k/$80k income or $250k with Tangerine): same earn + mobile insurance + lounge network access

10% back for 2 months on up to $1,000 (up to $100) — expires Sept 30, 2026

Income

$12,000 (base card)

FX fee

2.5%

Travel medical

None on either card

Rates

20.95% purchases · 22.95% advances

• 2% gas (Canada) · 2% groceries to $300 cash back/yr ($15k spend) — restructured from the old flat 1.25%
• 1.25% unlimited on everything else

5% for 3 months on up to $2,000 (up to $100) — no end date stated; former cardmembers excluded

Income

No income requirement — Canadian resident, age of majority

FX fee

Not published on the card page — confirm in the cardmember agreement (typically 2.5%)

Travel medical

None

Rates

21.99% purchases · 21.99% (25.99/29.99% after missed payments) advances

• 1× Membership Rewards on everything (+1 on Amex Travel hotel/car bookings)

10,000 MR pts after $1,000 spend in 3 months — ongoing

Income

No income requirement

FX fee

2.5% (Amex fee schedule)

Travel medical

None — shopping protection only

Rates

21.99% purchases · 21.99% (escalates after missed payments) advances

Up to 3 additional cards $0; Costco membership required (card doubles as the membership card)

• 3% restaurants & Costco gas · 2% other gas/EV and Costco.ca
• 1% everything else INCLUDING in-warehouse Costco — no cap on total cash back

None

Income

$15,000

FX fee

Not stated on the card page — confirm in the cardholder agreement (typically 2.5%)

Travel medical

None

Rates

21.75% — higher than commonly quoted purchases · 22.49% (21.99% Quebec) advances

Free tier; a paid PC Insiders WE ($120, 4% grocery + 5% Shoppers) now sits above it. Lower free tiers: PC World (2% grocery, $50k income), PC Mastercard (1%)

• 3% in PC Optimum points at Loblaws-banner grocery · 4.5% at Shoppers Drug Mart · ≥3¢/L at Esso/Mobil
• Points worth full value in-store (10,000 = $10) but only $7 as a statement credit

50,000 PC Optimum bonus points — apply by June 30, 2026 (spend conditions apply) · Ends soon

Income

$80,000 personal / $150,000 household (WE tier)

FX fee

2.5%

Travel medical

Up to 10 days, under 65 only

Rates

21.99% purchases · 22.97% advances

• 4% CT Money at Canadian Tire/Sport Chek/Mark’s family · 3% groceries on first $12,000/yr (EXCLUDES Costco & Walmart)
• 5¢/L (7¢/L premium) at Gas+ AND Petro-Canada · 1% elsewhere

No current acquisition offer stated

Income

$80,000 personal / $150,000 household

FX fee

2.5%

Travel medical

None

Rates

21.99% purchases · 22.99% advances

Base card identical earn; World tier adds 6 months Walmart+ and purchase protection

• 3% at any Walmart in Canada or Walmart.ca — the old 1.25% in-store tier is GONE (recent restructure)
• 1% everywhere else · Reward Dollars spend 1:1 at Walmart only

$25 Reward Dollars after a $75+ Walmart purchase in 30 days — ongoing

Income

$80,000 household (World tier, new applicants)

FX fee

2.5%

Travel medical

None

Rates

21.99% (26.99% if approved at standard rate) purchases · 22.99% advances

US$65 (additional card US$30)

• 1 Avion point per US$1

Income

Canadian resident, age of majority

FX fee

n/a — bills in USD

Travel medical

NOT included — no travel medical on this card

Rates

20.99% purchases · 22.99% advances

US$49 — rebated the following year when US$3,000+ is spent (aggregators still cite the old $35/$1,000)

• No rewards — a pure USD-billing tool

Income

No stated minimum

FX fee

n/a — bills in USD

Travel medical

NOT included — BMO states the card “does not include travel insurance”

Rates

21.99% purchases · 23.99% advances

US$39 — rebated with TD’s Borderless (USD) account, which is optional

• No rewards

Income

Canadian resident, age of majority — no US address needed

FX fee

n/a — bills in USD

Travel medical

Optional paid add-on only

Rates

21.99% purchases · 22.99% advances