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This offer is not available to residents of Quebec. For residents of Quebec, please click here.
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Want to earn while you spend? Points rewards credit cards let you do just that. Every dollar you spend with these cards earns you points that you can redeem at participating outlets, including retailers, auto dealerships, cinemas, and charities. Compare all the best points rewards credit cards right here.
Comparing points rewards cards isn't always easy. After all, different cards earn points at different rates. You also have to remember that, generally, the higher the rewards rate, the higher the annual fee on the card. So when you're looking for the card that'll give you the best value, first consider how much you'll spend each year on your rewards card. Even a rough estimate will help you determine which card will be the best deal.
Check out our table below to see the different kinds of points rewards cards we offer.
Card |  |  |  |
|---|---|---|---|
Rewards | 1 MBNA Rewards point on every $1 spent. Redeem points for cash back, travel, merchandise, gift cards, retailers, or donate them. | 1 Scotia point for every $1 spent. | Earn 3 points for every $1 spent on eligible dining experiences, 2 points for every $1 on eligible travel purchases, 1 point on all other purchases. Lots of other cool benefits and perks. |
Interest rate | 19.99% | 19.99% | 30.00% |
Annual Fee | $0 | $0 | $699 |
Sign-up bonus | Not available. | 5,000 bonus Scotia points. | 25,000 bonus Membership Rewards points. |
| Get this card | Get this card |
Looking for more credit card info? Check out our Help Centre.
Points rewards credit cards are popular among Canadians — and for good reason. With a good points rewards card, you can earn points toward the items or services that you're going to get the most use out of or enjoy the most. Many cards also give you bonus points when you sign up, which means you get a big stash of points rewards right away.
And tracking all of your rewards points is easy. In most cases, your points rewards are held in a special account that you can sign into online. From there, you can watch your points grow as you continue to use your credit card, and, when you're ready to put all those points to use, redeem them for your rewards.
At LowestRates.ca, we do the homework so you don't have to. No matter what kind of points rewards program you're interested in, you can find the right credit card here, anytime and from anywhere.
Credit CardsInterested in what credit card churners are up to in this economy? We spoke to two to find out.
Credit CardsIf my parents and educators had discussed credit with me when I was a teenager and allowed me to practise responsible use, I’d have felt more confident when the time came to sign up for my own card and begin building credit on my own. This is why I believe parents should commit to teaching their teens about the role of credit in our adult lives, which may involve giving them their own card to practise on.