Best Visa cards in Canada

• 1% cash back on eligible Canadian purchases, no cap
• 0% on foreign-currency purchases — issuer-stated: foreign transactions are NOT eligible for CashBack

Income

No stated minimum

FX fee

None — “converted at the exchange rate set by Visa International, without additional surcharge”

Rates

See issuer page purchases · See issuer page advances

$20/month — waived with $100k+ in Wealthsimple assets or $4,000+/month direct deposit

• 2% cash back on everything, no categories, no caps

Income

Waiver-based pricing rather than an income gate — see issuer terms

FX fee

None — “We don’t charge any foreign exchange fees” (network conversion rate applies)

Travel medical

Emergency medical + trip cancellation included — confirm age limits in the certificate before relying on it

Rates

20.99% purchases · 22.99% advances

Two versions: $0/yr at 19.99% or $59/yr at 14.90%

• No rewards — deposit-secured limit ($500–$10,000, CDIC-protected), reports to the bureau monthly

Income

Age of majority, no active bankruptcy — NOT available in Quebec

FX fee

2% — lower than the big banks’ 2.5%

Rates

19.99% ($0 version) / 14.90% ($59 version) purchases · 19.99% ($0 version) advances

First year waived under the current offer

• No rewards — 13.99% on purchases, cash advances AND balance transfers

0.99% on balance transfers for 9 months (2% fee, min $5; max transfer $49,999.99) — ends Oct 31, 2026

Income

No stated income floor · min credit limit $500

FX fee

2.5% (application disclosure)

Rates

13.99% purchases · 13.99% — rare: same low rate on advances 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

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

First year free (limited time, no end date stated); $30 per additional card

• 4% gas + groceries (first $25,000/yr COMBINED) · 2% pharmacy + utilities ($25,000/yr)
• Points redemption: account credit ($50 min); gift cards carry a $4.95 fee

10,000 bonus points + first-year-free — apply June 1 to Aug 31, 2026

Income

$60,000 personal / $100,000 household — Ontario residents (Meridian membership required)

FX fee

2.5%

Travel medical

To $5M, duration age-tiered, covered to age 75 with up to 48 days — notably senior-friendly; confirm tiers in the certificate

Rates

19.50% — the lowest purchase rate among rewards cards here purchases · 21.99% advances

$50 per supplementary — both waived first year under the current offer

• 4% groceries + recurring payments (each to $25,000/yr spend)
• 2% gas, EV charging, daily transit and food delivery ($25,000/yr)
• 1% after caps and on everything else

15% cash back on the first $2,000 of purchases in 3 months (up to $300) + first-year fee waiver — window May 1 to Nov 1, 2026; excluded if you held a Scotia personal card in the past 2 years

Income

$60k–$80k personal / $100k–$150k household (Scotia’s stated range) · min credit limit $5,000

FX fee

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

Travel medical

Under 65: 15 days ($1M) · 65+: not covered per the card page

Rates

20.99% purchases · 22.99% advances

First year rebated; additional cards $30 → $50 effective Aug 1, 2026

• 4% gas, EV charging and groceries
• 2% transportation, dining, recurring payments
• 1% else — the page now states “no limit on the total cash back” (the old caps no longer appear; aggregators still print them)

Up to $350: 10% back on first $2,000 (4 statements) + $50 for a pre-authorized payment + $120 fee rebate — no end date stated

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

First 10 days if 64 or under · 65+: not covered

Rates

21.99% purchases · 22.99% (21.99% Quebec) 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 · Ends soon

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 first year under the current offer; +10% points with an additional cardholder

• 5 pts/$1 groceries & dining (each to $6,000/yr) and gas & transit (each to $20,000/yr) — NEW per-category caps
• Worth 3.3% toward travel (150 pts = $1) but only 2.5% as credit (200 pts = $1) · $50 annual lifestyle credit

Up to 70,000 pts + $240 streaming credits + fee waiver — applications Dec 15, 2025 to Oct 31, 2026

Income

$60,000 personal / $100,000 household — or $15,000 declared annual card spend

FX fee

2.5%

Travel medical

$5M, up to 15 days — age limits not stated on the page; confirm the certificate

Rates

21.99% — raised from the old 20.99% purchases · 23.99% advances

First-year rebate (primary + first additional, conditions); additional $50 first, $0 after

• 3% on groceries, gas/EV, transit, recurring bills and streaming/digital — each capped at $15,000/yr in category spend
• 1% on everything else

10% cash back for 3 months on up to $3,500 spend (up to $350) + fee rebate — ongoing, no stated end date

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

First 10 days ($2M) · 65+: first 4 days — one of the few cash-back cards with ANY 65+ coverage

Rates

21.99% purchases · 22.99% 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

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 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