Compare Canada's most popular credit cards side by side on the numbers that decide the winner — annual fee, purchase APR, welcome bonus, rewards, and the credit score you need to qualify. Start from the curated table below, then filter by category and shortlist up to four cards in the interactive comparison tool.
A snapshot of 12 of Canada's most compared cards. Select a card name for the full review, or use the tool below to build your own side-by-side comparison.
| Credit Card | Annual Fee | Purchase APR | Welcome Bonus | Best For | Rec. Score |
|---|---|---|---|---|---|
| American Express Cobalt® CardAmerican Express Canada | $191.88 ($15.99/month) | 21.99% | Earn up to 15,000 Membership Rewards points in the first year. | Groceries and dining | 660 |
| BMO Ascend World Elite®* Mastercard®*BMO | $150.00 | 21.99% | Earn up to 100,000 BMO Rewards points, a $200 NEXUS credit, and first-year fee waiver. | Travel rewards | 725 |
| CIBC Dividend® Visa Infinite* CardCIBC | $120.00 | 21.99% | 10% cash back welcome bonus up to $200, plus $50 pre-auth bonus, and first-year fee rebate. | Everyday cashback | 660 |
| MBNA True Line® Mastercard®MBNA | $0 | 12.99% | You could get a 0% promotional annual interest rate (“AIR”)† for 12 months on balance transfers✪ completed within 90 days of account opening, with a 3% transfer fee. | Low interest | 660 |
| Scotia Momentum® Visa Infinite* CardScotiabank | $120.00 | 20.99% | Earn 10% cash back on up to $2,000 in eligible purchases during the first 3 months, plus first-year annual fee waived. | Everyday cashback | 725 |
| Scotiabank Gold American Express® CardScotiabank | $120.00 | 21.99% | Earn up to 45,000 bonus Scene+ points in the first year. | Groceries and dining | 660 |
| Scotiabank Passport® Visa Infinite* CardScotiabank | $150.00 | 20.99% | Earn up to 60,000 bonus Scene+ points in the first year, plus get no annual fee on your first supplementary card as part of the current welcome offer. | Travel rewards | 725 |
| Tangerine Money-Back Credit CardTangerine | $0 | 20.95% | Earn 10% cash back in first 2 months on up to $1,000. | No-fee cashback | 600 |
| TD Rewards Visa* CardTD | $0 | 21.99% | Earn 30,310 TD Rewards Points (a value of $100 on Amazon.ca) when you spend $1,500 within 90 days of Account opening. | No-fee travel rewards | 660 |
| American Express Essential™ Credit CardAmerican Express Canada | $25 | 12.99% | - | Low interest | 660 |
| American Express® Aeroplan®* Reserve CardAmerican Express Canada | $599 | 21.99% | Earn 70,000 points after you spend $7,500 on your Card in your first 3 months of Cardmembership. Earn an additional 40,000 points after you spend a total of $45,000 on your Card in your first 12 months of Cardmembership. Earn 40,000 Aeroplan®* points when you make a purchase between 15 and 17 months of Cardmembership. | Aeroplan travel | 760 |
| American Express® Gold Rewards CardAmerican Express Canada | $250 | 21.99% | Earn up to 60,000 Membership Rewards® points by earning 5,000 Membership Rewards points for each monthly billing period in which you spend $1,000 on your Card in your first year as a new American Express® Gold Rewards Cardmember. | Travel rewards | 725 |
Filter by category, sort by fee, rewards, or welcome bonus, and shortlist up to four cards to see them side by side.
Advertiser Disclosure: Finzap may receive compensation from card issuers when you apply through links on our site. This compensation may influence which products we review and where they appear, but it does not affect our editorial integrity or recommendations. Our goal is to provide you with the most accurate and up-to-date information to help you make informed financial decisions.
Advertiser Disclosure: Finzap may receive compensation from card issuers when you apply through links on our site. This does not affect editorial scoring or the compare workflow below.
Featured cards from the current published credit-card dataset.
Groceries and diningAmerican Express Cobalt® Card
American Express Canada
The Cobalt Card delivers its strongest value on food-related spending, with one of the richest earn rates available in Canada for eligible dining, groceries and food delivery. It also adds useful bonus categories for streaming, gas, transit and travel.
Travel rewardsBMO Ascend World Elite®* Mastercard®*
BMO
This card is aimed at travellers who want premium-style airport and travel perks without moving into an ultra-premium fee tier. It stands out for strong points earning on travel, solid everyday bonus categories and valuable first-year extras.
Everyday cashbackCIBC Dividend® Visa Infinite* Card
CIBC
This card is built for everyday household spending, especially if you spend heavily on groceries, gas and recurring bills. It stands out for its high cash back rates in practical categories and the ability to redeem cash back once your balance reaches $10.
Low interestMBNA True Line® Mastercard®
MBNA
This card has no rewards program. It focuses on low interest rates rather than earning points or cash back.
Not sure where to start?
Use the Credit Card Finder to narrow down the right fit before you compare.
Build a shortlist in the table below and compare up to four cards at once.
Step 1
Shortlist cards
Tap Compare on any row or mobile card.
Step 2
Open compare mode
Use the sticky compare bar once two or more cards are selected.
Step 3
Decide faster
Review core differences side by side, then open the best fit.
Showing 36 of 36 cards
$191.88 ($15.99/month)
21.99%
Earn up to 15,000 Membership Rewards points in the first year.
2.5%
$120.00
21.99%
Earn up to 45,000 bonus Scene+ points in the first year.
0%
$120.00
21.99%
10% cash back welcome bonus up to $200, plus $50 pre-auth bonus, and first-year fee rebate.
2.5%
$120.00
20.99%
Earn 10% cash back on up to $2,000 in eligible purchases during the first 3 months, plus first-year annual fee waived.
2.5%
$0
20.95%
Earn 10% cash back in first 2 months on up to $1,000.
2.5%
$0
21.99%
Earn 30,310 TD Rewards Points (a value of $100 on Amazon.ca) when you spend $1,500 within 90 days of Account opening.
2.5%
$150.00
21.99%
Earn up to 100,000 BMO Rewards points, a $200 NEXUS credit, and first-year fee waiver.
2.5%
$0
12.99%
You could get a 0% promotional annual interest rate (“AIR”)† for 12 months on balance transfers✪ completed within 90 days of account opening, with a 3% transfer fee.
2.5%
Showing 8 of 36 cards
Use the finder for a guided recommendation or read the latest guides before you apply.
Selected cards
1 / 4 cards selected
Select at least one more card to open side-by-side compare mode.