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Points rewards credit cards

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Showing 1 — 10 of 19
Annual fee $65
Rewards rate 1 Air Miles reward mile per $15 spent
Bonus offer 2,000 Air Miles
Card details
Network
American Express
Provider
American Express
Credit needed
Excellent
Fees and interest
Annual fee
$65
Purchase interest rate
19.99%
Cash advance rate
22.99%
*provided you make your minimum monthly payments on time
Balance transfer rate
1.99%
22.99% after 6 months
Card description
  • New American Express® AIR MILES®* Platinum Credit Card card members, earn a Welcome Bonus of 2,000 AIR MILES®* Reward Miles when you charge a total of $1,500 in purchases to your card within your first three months of card membership. That's enough for a select flight
  • Earn 1 Mile for every $10 in Card purchases at eligible AIR MILES®* Partner
  • * Excludes purchases made at airmilesshops.ca
  • Earn 1 Mile for every $10 in card purchases at AIR MILES®* Partners and at other eligible grocery stores, gas stations, and drugstores in Canada
  • Plus, earn 1 Mile for every $15 in card purchases everywhere else
  • Optional balance transfer offer - Enjoy a 1.99% interest rate in the first 6 months of card membership if you choose to transfer your other credit card balances to this American Express card
  • Balance transfer option is only available at time of online application. There is no balance transfer fee at time of application
  • Shop at participating AIR MILES®* Partners®* across Canada with your card and show your AIR MILES®* Card, and you can earn reward miles twice *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
  • Air Miles Rewards
  • Entertainment Benefits
  • Extended Warranty
  • Purchase Protection
  • Rental Car Insurance
  • Travel Insurance
Annual fee $120
Rewards rate 5 Points per $1 spent on eats and drinks, including groceries
Bonus offer 30,000 Membership Rewards points
Card details
Network
American Express
Provider
American Express
Credit needed
Fair
Fees and interest
Annual fee
$120
Purchase interest rate
19.99%
*7.99% rate charged within the first 6 months
Cash advance rate
22.99%
*provided you make your minimum monthly payments on time
Balance transfer rate
N/A
Card description
  • In your first year as a new Cobalt Cardmember, you can earn 2,500 Membership Rewards® points for each monthly billing period in which you spend $500 in net purchases on your Card. This could add up to 30,000 points in a year.
  • 30,000 points is enough for:
    • An eligible short-haul flight using the Fixed Points Travel Program, or
    • $300 in statement credits redeemed towards travel purchases charged to your Card or
    • $300 worth of tickets on Ticketmaster.ca
  • Earn 5 points for every $1 spent on Card purchases at eligible restaurants, bars, grocery stores and food delivery in Canada
  • Earn 2 points for every $1 spent on eligible transit & gas purchases in Canada and eligible travel purchases. That's 2X the points on purchases that get you from point A to B
  • Earn 1 point for every $1 in Card purchases everywhere else. We won't tell you where to spend, we'll just reward you on your Card purchases
  • Enjoy a special low interest rate of 7.99% on purchases charged to your Card within the first 6 months*
  • Cobalt Cardmembers receive regular Perks such as bonus reward offers and access to great events
  • Get advance access to tickets to some of the hottest concerts, shows and events through Front Of The Line® by American Express Invites® and advance screenings to blockbuster movies.
  • American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details, current product information and Terms and Conditions, click the Apply now link.
  • Conditions Apply
Features
  • 24/7 Customer Service
  • Entertainment Benefits
  • Fraud Protection
  • Rental Car Insurance
  • Travel Benefits
  • Travel Insurance
Annual fee $150
Rewards rate 2 Points per $1 spent
Bonus offer 25,000 Membership Rewards points
Card details
Network
American Express
Provider
American Express
Credit needed
Excellent
Fees and interest
Annual fee
$150
Purchase interest rate
30%
Cash advance rate
N/A
Balance transfer rate
N/A
Card description
  • New American Express® Gold Rewards* card members can earn a welcome bonus of 25,000 Membership Rewards® points just by making $1,500 in purchases in the first three months of card membership. That’s enough to redeem for a round-trip Fixed Mileage Flight Reward TM* to almost anywhere in North America.
  • 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®*
  • Free Additional Gold Rewards Card (a $50 value*) to help you earn points faster
  • Receive up to a $100 USD hotel credit at participating properties on qualifying room charges and a room upgrade, when available
  • 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. Payments must be received and processed by the date of the next monthly statement to avoid interest charges.
  • Conditions apply
Features
  • 24/7 Customer Service
  • American Express Hotel Collection
  • Entertainment Benefits
  • Extended Warranty
  • Purchase Protection
  • Rental Car Discounts
  • Rental Car Insurance
  • Travel Insurance
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
Credit needed
Good
Fees and interest
Annual fee
$0
Purchase interest rate
19.99%
Cash advance rate
22.99%
*provided you make your minimum monthly payments on time
Balance transfer rate
N/A
Card description
  • New Blue Sky® Credit Card card members, earn 10,000 Blue Sky® Points after you charge $500 in purchases to your card in your first three months of card membership
  • 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 seat restrictions and no travel restrictions
  • $100,000 Travel accident insurance
  • 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
Annual fee $139
Rewards rate 2 Scotia Rewards points per $1 spent on eligible purchases
Bonus offer 40,000 Bonus Scotia Rewards points
Card details
Network
VISA
Provider
Scotiabank
Credit needed
Excellent
Fees and interest
Annual fee
$139
Purchase interest rate
19.99%
Cash advance rate
22.99%
Balance transfer rate
22.99%
Card description
  • Earn up to 40,000 bonus Scotia Rewards points in your first year (that’s up to $400 towards travel )†. For accounts opened by June 30, 2019.
  • Earn 2x Scotia Rewards® points on every $1 you spend on eligible grocery stores, dining, entertainment purchases and daily transit purchase (including buses, subways, taxis and more).
  • Enjoy no FX Mark-up.
  • Enjoy Complimentary Airport Lounge Access, plus 6 free lounge visits per year
  • Rates, fees, and other information are effective as of April 1, 2018.  Subject to change.
Features
  • Airport Lounge Access
  • No Currency Conversion Fee
  • Rental Car Discounts
  • Rental Car Insurance
  • Travel Cancellation
  • Travel Insurance
  • Visa Infinite Benefits
Annual fee $99
Rewards rate 4 Scotia Rewards points per $1 spent on eligible purchases
Bonus offer 15,000 Bonus Scotia Rewards points
Card details
Network
American Express
Provider
Scotiabank
Credit needed
Good
Fees and interest
Annual fee
$99
Purchase interest rate
19.99%
Cash advance rate
22.99%
Balance transfer rate
22.99%
Card description
  • Earn 15,000 bonus Scotia Rewards points with your first $1,000 in everyday purchases in the first 3 months◊. For accounts opened by June 30, 2019
  • Earn 4 Scotia Rewards points for every $1 you spend at eligible gas stations, grocery stores, on dining and entertainment
  • Earn 1 point for every $1 you spend on all other eligible everyday purchases
  • Complimentary Concierge Services 24/7
  • Rates, fees, offers and other information are effective as of March 1, 2018.  Subject to change.

This offer is not available for residents of Quebec. For residents of Quebec, please click here.

Annual fee $0
Rewards rate 2 Points per $1 spent on gas, groceries, and restaurant purchases
Bonus offer 5,000 Bonus points
Card details
Network
Mastercard
Provider
MBNA
Credit needed
Good
Fees and interest
Annual fee
$0
Purchase interest rate
19.99%
Cash advance rate
24.99%
Balance transfer rate
22.99%
Card description
  • Get a head start with up to 5,000 bonus points as follows:
    • Receive 2,500 bonus points†† after your first eligible purchase within the first 90 days of account opening
    • Receive 2,500 bonus points†† once enrolled for e-statements within the first 90 days of account opening
  • Accelerate rewards points on common purchases!
  • No annual fee
  • 1 point‡ for every $1 in eligible purchases
  • 2 points‡ for every $1 spent on eligible gas, groceries and restaurant purchases ($5,000 annual cap on each category)
  • Redeem points‡ for travel, brand-name merchandise, gift cards from participating retailers, cash back, and charitable donations
  • Standard Annual Interest Rates of 19.99% on eligible purchases, 22.99% on balance transfers✪ and access cheques, and 24.99% on cash advances
  • A suite of comprehensive insurance**
Features
  • Extended Warranty
  • Purchase Protection
  • Rental Car Insurance
  • Travel Benefits
Annual fee $0
Rewards rate 5% In GM Earnings (up to $5,000 in purchases)
Bonus offer N/A
Card details
Network
VISA
Provider
Scotiabank
Credit needed
Good
Fees and interest
Annual fee
$0
Purchase interest rate
17.99%
Cash advance rate
17.99%
Balance transfer rate
17.99%
Card description
  • Get closer to your new car with up to 5% in GM Earnings
  • Earn 5% in GM Earnings on the first $5,000 spent annually, and 2% thereafter
  • $1 in GM Earning = $1 off the purchase price or lease of a new Chevrolet, Buick, GMC, or Cadillac
  • No earning or redemption caps
  • Rates, fees and other information are effective as of February 1, 2018. Subject to change.
Annual fee $250
Rewards rate 1 Point per $1 spent
Bonus offer 30,000 Welcome bonus points
Card details
Network
American Express
Provider
American Express
Credit needed
Excellent
Fees and interest
Annual fee
$250
Purchase interest rate
30%
Cash advance rate
N/A
Balance transfer rate
N/A
Card description
  • Earn a welcome bonus of 30,000 points when you charge $5,000 in purchases to your card in your first three months of card membership
  • You can maximize your cash flow with up to 55 interest free days. Use the card throughout the month for all of your everyday business expenses, and earn reward points while you're at it
  • Earn 1 point for every dollar in purchases charged to the card. Plus, there is an easy, convenient way to get more out of your Membership Rewards® points - simply charge an eligible purchase to your card. Then you can redeem points for a statement credit
  • Take advantage of purchasing power that grows with your business. With this card, your purchasing power adjusts dynamically with your card usage, and can grow over time, as long as you make your payments on time and maintain a good credit history
  • Make the most of a suite of business management tools that give you more control over your business - anytime and anywhere
  • Receive up to a $100 USD hotel credit at participating properties on qualifying room charges and a room upgrade, when available
  • 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. Payments must be received and processed by the date of the next monthly statement to avoid interest charges
  • 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
  • Employee Card Misuse Protection
  • Entertainment Benefits
  • Extended Warranty
  • Purchase Protection
  • Rental Car Insurance
  • Travel Insurance
  • Disability Coverage
Annual fee $0 $120 after the first year
Rewards rate 1 Air Miles reward mile per $10 spent
Bonus offer 3,000 Bonus Air Miles
Card details
Network
Mastercard
Provider
BMO Bank of Montreal
Credit needed
Excellent
Fees and interest
Annual fee
$0
$120 after the first year
Purchase interest rate
19.99%
Cash advance rate
22.99%
Balance transfer rate
22.99%
Card description
  • Welcome offer: Get up to 3,000 AIR MILES Bonus Miles and we’ll waive the $120 annual fee for the first year*
  • Earn 1 AIR MILES reward mile for every $10 in credit card purchases, everywhere you spend*
  • Complimentary membership in Mastercard Airport Experiences provided by LoungeKey, with exclusive VIP access, plus two annual complimentary passes*
  • Exclusive 15% Flight Discount on all AIR MILES flights in North America with no blackout periods*
  • Minimum 80K individual or 150K household income*
  • BMO AIR MILES World Elite Travel and Medical Protection*
  • BMO Concierge Service*
  • Use your card at Costco*
  • 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
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Points rewards credit cards

 

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.

About points rewards

 

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.

Comparing points rewards credit cards

 

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.

StudentAwards MBNA Rewards MasterCard credit card
Rewards
  • Points for charitable donations, travel, brand-name merchandise, cash back, and retailer gift cards.
Interest rate
19.99%
Annual fee
$0
Sign-up bonus
Not available.
Scotiabank American Express® Card
Rewards
  • 1 Scotia point for every $1 spent
  • 2 Scotia points for every $1 spent on groceries, gas, dining, and entertainment.
Interest rate
19.99%
Annual fee
$39
Sign-up bonus
5,000 Scotia points after your first purchase.
The Platinum Card® from American Express®
Rewards
  • 1.25 Membership Rewards points for every $1 spent, plus lots of other cool benefits and perks.
Interest rate
30.00%
Annual fee
$699
Sign-up bonus
50,000 sign-up points after your first $1,000 in purchases.

Compare points rewards credit cards today

 

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.

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