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BMO AIR MILES World Elite MasterCard
BMO AIR MILES World Elite MasterCard image
Annual fee $120
Rewards rate 1 Air Miles reward mile per $10 spent
Bonus offer 2,000 Bonus Air Miles
Card details
Network
MasterCard
Provider
BMO Bank of Montreal
Fees and interest
Annual fee
$120
Interest rate
19.99%
Cash advance rate
22.99%
Balance transfer rate
22.99%
Card description
  • Limited time: Get 2,000 AIR MILES Bonus Miles. That's enough for two short-haul flights!*
  • Minimum 80K individual or 150K household income 
  • Earn 1 AIR MILES reward mile for every $10 you spend on your credit card*
  • Exclusive 25% Flight Discount on all AIR MILES flights in North America with no blackout periods*
  • Exclusive access to VIP Airport Lounges worldwide (over $150 US/year value)*
  • BMO AIR MILES World Elite Travel and Medical Protection*
  • Complimentary Roadside Assistance Program*
  • FREE additional cards
  • Extended Warranty*
  • Purchase Protection*
  • BMO Concierge Service*
  • BMO is not responsible for maintaining the content on this site. Please click on the Apply Now link for the most up to date information.
  • *Terms and conditions apply
Features
  • 24/7 Customer Service
  • Airport Lounge Access
  • Extended Warranty
  • Flight Discounts
  • Free Supplementary Card
  • Purchase Protection
  • Rental Car Discounts
  • Roadside Assistance Program
  • Travel Benefits
The Starwood Preferred Guest Credit Card from American Express
The Starwood Preferred Guest Credit Card from American Express image
Annual fee $120
Rewards rate 1 Starpoint per $1 spent
Bonus offer 20,000 Bonus Starpoints
Card details
Network
American Express
Provider
American Express
Fees and interest
Annual fee
$120
Interest rate
19.99%
Cash advance rate
21.99%
*provided you make your minimum monthly payments on time
Balance transfer rate
21.99%
*provided you make your minimum monthly payments on time
Card description
  • New Starwood Preferred Guest Credit Card from American Express Cardmembers, earn 20,000 bonus Starpoints® after you charge $1,500 in purchases to your Card in your first three months of Cardmembership
  • Earn 1 Starpoint for every $1 in purchases charged to the Card
  • Enjoy a Free Weekend Night Award when you reach $40,000 in purchases each year
  • Experience Starwood Gold Preferred Guest status when you reach $30,000 in purchases each year
  • Redeem Starpoints for Free Nights with no blackout dates at over 1,200 of the world's most desired hotels in nearly 100 countries
  • Use Starpoints for flights on over 150 airlines with no blackout dates with SPG Flights
  • Experience once-in-a-lifetime events with SPG Moments
  • American Express Invites™ opens the door to great music, theatre, dining, film, fashion and shopping experiences. Be among the first to know, and among the first to go!
  • Add a Supplementary Card and the first year’s annual fee is on us. That’s a value of $50.
  • You can use Apple Pay on your eligible device to pay for goods and services at participating American Express contactless merchants
  • Annual interest rate 19.99% on purchases and 21.99% on funds advances
  • American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information click the Apply now link.
  • Conditions apply
Features
  • 24/7 Customer Service
  • Entertainment Benefits
  • Extended Warranty
  • Purchase Protection
  • Rental Car Insurance
  • Travel Benefits
BMO CashBack World Elite MasterCard
BMO CashBack World Elite MasterCard image
Annual fee $120
Rewards rate 1.75% Cash back on all purchases
Bonus offer 4% Cash back (first 4 months)
Card details
Network
MasterCard
Provider
BMO Bank of Montreal
Fees and interest
Annual fee
$120
Interest rate
19.99%
Cash advance rate
22.99%
Balance transfer rate
22.99%
Card description
  • Welcome Offer: Get 4% cash back on every purchase (up to $250 cash back) in your first 4 months*
  • Earn 1.75% CashBack on ALL purchases* without restrictions*!
  • Minimum 80K individual or 150K household income
  • Get up to 25% off rentals at National Car Rental and Alamo Rent A Car
  • BMO CashBack World Elite Travel and Medical Protection*
  • Complimentary Roadside Assistance Program*
  • FREE additional cards
  • Extended Warranty Plus*
  • Purchase Protection Plus*
  • BMO Concierge Service*
  • BMO is not responsible for maintaining the content on this site. Please click on the Apply Now link for the most up to date information.
  • *Terms and conditions apply
Features
  • 24/7 Customer Service
  • Extended Warranty
  • Free Supplementary Card
  • Purchase Protection
  • Rental Car Discounts
  • Roadside Assistance Program
  • Travel Benefits
BMO World Elite Rewards MasterCard
BMO World Elite Rewards MasterCard image
Annual fee $150
Rewards rate 2% Back in travel rewards
Bonus offer 20,000 Welcome bonus points
Card details
Network
MasterCard
Provider
BMO Bank of Montreal
Fees and interest
Annual fee
$150
Interest rate
19.99%
Cash advance rate
22.99%
Balance transfer rate
22.99%
Card description
  • Get 20,000 welcome bonus points* - that's $200 in travel rewards
  • Points you can use to cover all flights charges and taxes*
  • Minimum 80K individual or 150K household income 
  • 2% back in travel rewards on all card purchases*
  • Exclusive access to VIP Airport Lounges worldwide (over $200 US/year value)*
  • Fly on any airline, with no blackout dates*
  • Best-in-class travel and medical insurance (unlimited trips per year)*
  • FREE additional cards
  • Extended Warranty*
  • Purchase Protection*
  • BMO Concierge Service*
  • BMO is not responsible for maintaining the content on this site. Please click on the Apply Now link for the most up to date information.
  • *Terms and conditions apply
Features
  • 24/7 Customer Service
  • Airport Lounge Access
  • Extended Warranty
  • Free Supplementary Card
  • Purchase Protection
  • Travel Benefits
TD® Aeroplan® Visa Infinite*
TD® Aeroplan® Visa Infinite* image
Annual fee $60 $120 after the first year
Rewards rate 1.5 Miles per $1 spent on eligible purchases
Bonus offer 30,000 Bonus Aeroplan miles
Card details
Network
VISA
Provider
TD Canada Trust
Fees and interest
Annual fee
$60
$120 after the first year
Interest rate
19.99%
Cash advance rate
22.99%
Balance transfer rate
N/A
Card description
  • Receive a Welcome Bonus of 15,000 Aeroplan Miles with your first Purchase
  • 10,000 Aeroplan Miles when you keep your account open, active and in good standing for 90 days after Account approval
  • 5,000 Aeroplan Miles when you add an Authorized User to your Account by June 14, 2017 (Authorized User must call and activate their Card by July 31, 2017)
  • 50% Annual Fee Rebate for the first year (Primary Cardholder only) – that’s $60 in savings!
  • Offer Valid until May 4, 2017
  • Earn 1.5 miles for every $1 spent on eligible gas, grocery, drugstore and aircanada.com Purchases made with your Card
  • Earn 1 mile for every $1 you spend on all other Purchases on your Card, when you pay with your TD Aeroplan Visa Infinite Card and present your Aeroplan membership card  at over 150 Aeroplan partner brands and at 120 online retailers  via the Aeroplan eStore. Learn where you can earn miles twice at aeroplan.com
  • Your Aeroplan miles will not expire as long as you are a TD Aeroplan Credit Cardholder
  • Enjoy an extensive suite of travel insurances for peace of mind on your next getaway
Features
  • 24/7 Customer Service
  • Air Canada Benefits
  • Airport Lounge Access
  • Rental Car Discounts
  • Roadside Assistance Program
  • Travel Benefits
  • Visa Infinite Benefits
Best Western MasterCard®
Best Western MasterCard® image
Annual fee $0
Rewards rate 1 Best Western point per $1 spent
Bonus offer 20,000 Best Western Rewards points
Card details
Network
MasterCard
Provider
MBNA
Fees and interest
Annual fee
$0
Interest rate
19.99%
Cash advance rate
24.99%
Balance transfer rate
1.99%
21.99% after 10 months
Card description
  • Reward yourself with a free night's stay. You could get a FREE night with the Best Western Rewards® MasterCard® credit card‡
  • Earn 20,000 Best Western Rewards® points†† on your first purchase – enough for a free night stay
  • Earn 1 Best Western Rewards® point for every $1 in eligible purchases‡
  • Earn 5 Best Western Rewards® points for every $1 in eligible purchases at Best Western properties‡
  • You will be awarded "Gold Status" upon first use of your credit card and "Diamond Status" when you spend $10,000 in eligible purchases within one year♦♦
  • No limit to the Best Western Rewards® points that can be earned using the credit card in a year
  • Use your Best Western Rewards® points in many ways – hotel stays, elite status upgrades♦♦, dining, airfare, gift cards and more.
  • 1.99% promotional annual interest rate† (AIR) on balance transfers* for the first 10 full months
Features
  • No Limit on Points Earned
No-Fee Scotiabank Value® VISA*
No-Fee Scotiabank Value® VISA* image
Annual fee $0
Rewards rate N/A
Bonus offer 3.99% Interest rate on balance transfers (first 6 months)
Card details
Network
VISA
Provider
Scotiabank
Fees and interest
Annual fee
$0
Interest rate
16.99%
Cash advance rate
16.99%
Balance transfer rate
3.99%
16.99% after 6 months
Card description
  • Get an introductory 3.99% interest rate on balance transfers for the first six months. For accounts opened by July 31, 2017.
  • NOTE: A 1% Promotional Rate Fee (minimum fee of $3.50) on the amount of any cash advance, balance transfer and Scotia® Credit Card Cheque will apply during this promotional offer.
  • 16.99% interest rate
  • Interest free grace period of at least 21 days on purchases
  • Save hundreds of dollars a year
  • Pay down balances faster
  • Simplify your monthly payments
  • 20% AVIS rental car discount
Features
  • Rental Car Discounts
Scotiabank®* Gold American Express® Card
Scotiabank®* Gold American Express® Card image
Annual fee $0 $99 after the first year
Rewards rate 4 Scotia Rewards points per $1 spent on eligible purchases
Bonus offer 25,000 Bonus Scotia Rewards points (after your first purchase)
Card details
Network
American Express
Provider
Scotiabank
Fees and interest
Annual fee
$0
$99 after the first year
Interest rate
19.99%
Cash advance rate
22.99%
Balance transfer rate
22.99%
Card description
  • Earn 25,000 Scotia Rewards bonus points after you spend $750 in everyday purchases within the first three months - worth $250 in travel. For accounts opened by April 30, 2017.
  • $99 first year annual fee is waived
  • Earn 4x Scotia Rewards points for every $1 you spend at gas stations, grocery stores, on dining and entertainment
  • Earn one point on all other eligible purchases
  • Extraordinary travel benefits
  • Flexible Point Redemption
  • Comprehensive travel insurance
  • Use your points to purchase travel online or over the phone through our full-service travel agency. Or book your own travel using your card and go online to redeem points for the purchase.
  • Receive discounts and other special offers on hotels, airfare, car rentals, cruises and vacation packages.
  • Complimentary Concierge Services
  • Access to Priority Pass Lounges worldwide
Features
  • 24/7 Customer Service
  • Airfare Price Guarantee
  • Airport Lounge Access
  • Cruise Discounts
  • Entertainment Benefits
  • Extended Warranty
  • Hotel Discounts
  • Price Protection
  • Purchase Protection
  • Rental Car Discounts
  • Rental Car Insurance
  • Travel Insurance
  • Vacation Package Discounts
American Express Gold Rewards Card
American Express Gold Rewards Card image
Annual fee $0 $150 after the first year
Rewards rate 2 Points per $1 spent
Bonus offer 25,000 Membership Rewards points
Card details
Network
American Express
Provider
American Express
Fees and interest
Annual fee
$0
$150 after the first year
Interest rate
30%
Cash advance rate
N/A
Balance transfer rate
N/A
Card description
  • New American Express® Gold Rewards* Cardmembers can earn a Welcome Bonus of 25,000 Membership Rewards® points just by making $1,500 in purchases in the first three months of Cardmembership. That’s enough to redeem for a round-trip Fixed Mileage Flight Reward TM* to almost anywhere in North America.
  • No Annual Fee for the first year; $150 Annual Fee thereafter*
  • Earn 2 points for every $1 on eligible travel and everyday purchases
  • Charge any travel to your Card then pay for it with points. Your points can even cover taxes and fees!
  • Transfer your points to frequent flyer programs, including Avios and Aeroplan®*
  • 1 Free Supplementary Gold Rewards Card (a $50 value*) to help you earn points faster
  • You can use Apple Pay on your eligible device to pay for goods and services at participating American Express contactless merchants
  • American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information click the Apply now link.
  • *As a Charge Card, the balance must always be paid in full each month. 30% annual interest rate applies to balances not paid in full.
  • Conditions apply
Features
  • 24/7 Customer Service
  • American Express Hotel Collection
  • Entertainment Benefits
  • Extended Warranty
  • Free Supplementary Card
  • Purchase Protection
  • Rental Car Discounts
  • Rental Car Insurance
  • Travel Insurance
Blue Sky Credit Card
Blue Sky Credit Card image
Annual fee $0
Rewards rate 1.25 Blue Sky points per $1 spent
Bonus offer 10,000 Blue Sky points
Card details
Network
American Express
Provider
American Express
Fees and interest
Annual fee
$0
Interest rate
19.99%
Cash advance rate
N/A
Balance transfer rate
N/A
Card description
  • New Blue Sky Credit Card Cardmembers, earn 10,000 Blue Sky® Points after you charge $500 in purchases to your Card in your first three months of Cardmembership
  • Earn 1.25 Blue Sky Points for every $1 in purchases charged to the Card
  • You can start redeeming with as little as 10,000 points towards any travel purchase charged to your Card
  • Enjoy the convenience of no blackout dates, no advance purchase requirements, no seat restrictions and no travel restrictions.
  • $100,000 Travel Accident Insurance
  • You can use Apple Pay on your eligible device to pay for goods and services at participating American Express contactless merchants
  • American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information click the Apply now link.
  • Conditions Apply.
Features
  • 24/7 Customer Service
  • Entertainment Benefits
  • Travel Insurance
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How it works
  1. Magnifying lens
    Search for cards

    Sort by type to find the card you're looking for.

  2. An assortment of information boxes
    Compare results

    Explore features, rewards and rates, then select your card.

  3. A form being filled in
    Apply online

    Continue to your chosen card's website and submit your application.

  4. An envelope next to a letter and a credit card
    Receive your card

    Once you're approved, your card will arrive in the mail.

Types of credit cards

Hugely popular among affluent and regular consumers alike, these cards allow you to earn points, air miles, cash back, or other types of rewards as you spend.

Annual Fee
$0–$499
Interest Rate
2.99%–19.99%
Credit Score
Good to Excellent
Compare

With low APRs, these cards are perfect for people who carry a balance from month to month. Many offer extra perks and some even have rewards programs!

Annual Fee
$0–$79
Interest Rate
2.99%–14.99%
Credit Score
Good
Compare

Struggling with credit card debt? These cards allow you to transfer balances over from other credit cards so that you can save money on interest.

Annual Fee
$0–$39
Interest Rate
1.99%–19.99%
Credit Score
Good
Compare

Designed with students in mind, these cards offer low fees, easy approval, and rewards that students love. For many Canadians, this will be their first credit card!

Annual Fee
$0
Interest Rate
19.99%
Credit Score
Fair to Good
Compare

You guessed it – these credit cards don’t charge any annual fee, so if you are able to pay off your balance every month, they are effectively free to use!

Annual Fee
$0
Interest Rate
14.99%–19.99%
Credit Score
Good
Compare

For consumers who wish to rebuild or establish their credit history. Depending on your credit score, you may be required to post a security deposit.

Annual Fee
$0–$79
Interest Rate
14.90%–19.99%
Credit Score
None to Needs Improvement
Compare Secured Cards
Compare Guaranteed Cards

Business credit cards have features appealing to small business owners, including expense management tools, extra insurance and the ability to support multiple cardholders.

Annual Fee
$0–$250
Interest Rate
30%
Credit Score
Excellent
Compare

From hockey to baseball to football, and everything in between, Canadians love their sports, and now they can own a credit card that reflects their passion.

Annual Fee
$0–$29
Interest Rate
16.99–19.99%
Credit Score
Excellent
Compare

These cards bill in U.S. dollars. It’s time to say goodbye to currency conversion fees and unpredictable exchange rates when you’re making purchases in the U.S.

Annual Fee
$35
Interest Rate
19.99%
Credit Score
Good
Compare

Compare credit cards at LowestRates.ca

Whether you're looking for travel rewards, balance transfers, cash back, or another credit card perk, you can find the perfect piece of plastic in just seconds at LowestRates.ca. Use our comparison tools above to dial in on the features that matter to you most and check out the exclusive credit card offers only available here.

How do credit cards work?

When you open up a credit card account, your credit card provider extends a line of credit to you so you can make purchases with your new card. Every time you buy something with your card, you spend money borrowed from your credit card provider.

As a cardholder, you agree to repay those funds within a set amount of time and to abide by the terms and conditions set out in your card’s contract. Your contract will describe the interest rates, late fees, surcharges, cash-advance limits, and other conditions that you're held to by using your card.

Once a month, your credit card company will send you a bill outlining all the purchases you made with your credit card, the minimum amount you owe, and the due date for your payment. You can opt to pay a portion of the bill or the full amount — it’s up to you.

If you don't pay your bill in full by the due date, any balance that you carry over into the next billing period will be subject to interest charges. The activity on your account will also be reported to the credit bureaus in Canada, which can boost your credit score over time if you use your card responsibly.

Who should get a credit card?

As more commerce moves online or goes high tech, credit cards are becoming a necessity rather than a convenience. Whether it’s booking an airline ticket, paying for parking, or shopping on your favourite store’s website, credit cards are often the only way to complete a transaction.

That means most working adults should have at least one credit card — provided they can use it responsibly. But if you have trouble controlling your spending or tracking your bills, a credit card might be a bad idea. Too many Canadians are already struggling to pay down their high interest rate debt.

Where can I find the right credit card?

When it comes to credit cards, online comparison websites like LowestRates.ca serve consumers best. We have powerful comparison tools that let you search for cards by category or criteria. So whether you're shopping by rewards, annual fees, interest rates, or credit score, you'll always find the right card. And unlike bank websites, comparison sites let you compare offers from all the major credit card providers in Canada rather than in just one company.

You'll be able to see how the best cards from retail banking giants like Scotiabank compare to the best cards from specialized providers like American Express. You'll also be able to view the best offerings in whichever credit card category you’re interested — you can compare your options side by side. Once you find the right card, just click the “Get Card” or “Apply Now” button, and we'll direct you to a secure application page for that credit card.

What type of credit card should I get?

 

Before you can find the perfect credit card, you need to know how you're going to use it and what kind of consumer you are. Do you pay off your card on time every month? How much do you spend? Do you make use of credit card rewards or is a low interest rate or another credit card feature more important to you? We offer a complete range of credit cards:

How can I benefit by getting a credit card?

 

Let us count the ways.

Convenience

Why carry wads of cash when you can just swipe your credit card and go? Millions of vendors worldwide accept credit cards and using a card is often the only way you can make online transactions.

Cash flow management

Credit cards let you to borrow money, which means you can use them to pay bills or make purchases even if you don’t have the cash immediately on hand. For many Canadians, particularly those just starting out, this is a huge benefit.

Fraud protection

Credit card providers act as an intermediary between you and the merchant. That means credit card charges can be reversed or put on hold if someone tries to defraud you or give you faulty goods.

Features, perks, and rewards

Many credit cards offer perks and rewards just for using them. Depending on the card you choose, you might get fraud protection, travel points, cash back, or special access to concerts and sporting events.

Credit building

It’s a fact — using your credit card responsibly can help you establish and improve your credit score over time. For Canadians looking to boost their credit, nothing works better than using a credit card and promptly paying your bill every month.

Expense monitoring

Credit cards offer a convenient way to track your monthly expenses and monitor your spending. Many cards also itemize your purchases by category so you can see exactly where your money goes each month and how your spending habits change over time.

Cheap to use (in the right hands)

Credit cards don’t cost a lot of money if you use them responsibly. As long as you pay your credit card bills on time and in full, you won’t be charged interest or late fees, making them very inexpensive to use.

Practicality

Nobody wants to be stuck without a way to book a hotel room, buy something online, or pay for parking. Credit cards aren't just a convenience, they’re a necessity. All you have to do is find the right card.

How many credit cards should I have?

While there's no perfect number, most consumers should avoid having more than two or three credit cards at a time. The more credit cards you have, the harder it is to track your bills and make your payments. Many middle to upper income credit card users use a premium, or “cadillac”, credit card that offers lots of perks and rewards and a regular card that serves as a backup.

What do I need to know about my credit card’s terms and conditions?

First, you should understand that once you sign your credit card agreement, the terms are legally binding. And your credit card issuer can change these terms at any time, as long as they provide written notice. So it’s a good idea to carefully read mail from your credit card company and check for changes or updates to your account.

Key terms that all credit card users should know

 
Credit limit

This is the maximum credit balance that can be outstanding on your card. And remember: your credit limit also includes interest and fees.

Annual percentage rate

The APR is the interest rate your card charges on balances, balance transfers, and cash advances carried over from one month to the next.

Fixed or variable APRs

The interest rate on your credit card can either be fixed (it stays the same) or variable (it increases or decreases based on whatever index it follows).

Grace period

This is the amount of time you have to pay for the charges on your credit card before interest begins accruing. Your grace period may be different for each card, but a typical grace period can be as long as 10, 15, or even 30 days.

Minimum payment

The minimum amount of money you're required to pay towards your credit card bill each month. If you can't meet the minimum payment, you'll be charged a late fee and the delinquency might be reported to your credit bureau.

Available credit

The amount of unused credit still available on your credit card. Wondering how your available credit is calculated? Just subtract your outstanding credit card balance from your total credit line.

For a full rundown of the credit card terms you might encounter, you can browse our glossary here.

What are the drawbacks of a credit card?

 

The main drawback of any credit card is that you can use it to spend money you may not have. And if you don't have good financial judgment, you can quickly rack up lots of high interest debt that you can't pay back. Studies show that credit card debt is a major factor in consumer bankruptcies in both Canada and the United States.

We recommend that credit card users never take on more debt than they can reasonably pay back within a few months.

What should I watch out for with a credit card?

You should always keep an eye on the interest rate (known as APR) terms on your card. Credit card APRs are subject to change and many cards offer low introductory rates that reset much higher after a few months.

It's also a good idea to be mindful of how your APR is calculated. Most credit cards take your average daily account balance for the month and charge interest on that figure; others subtract the previous month’s balance from the current month’s balance and charge interest on the remaining amount.

Some credit cards calculate APR using a “two-cycle” method: the average of the last two months’ worth of balances is used. The two-cycle method often results in higher interest charges, so you should think twice before taking a card that uses it.

Credit card users should also pay attention to ATM fees. Most cards charge anywhere from $2 to $5 on ATM withdrawals. Thankfully, you can easily avoid these fees — skip the ATM altogether and just take out cash from your debit card or at your local bank.

More ways to find a great rate