American Express® AIR MILES®* Platinum Credit Card
Annual fee $120
Rewards rate 1 Mile for every $5 spent on eligible food & drinks and gas & transit
Bonus offer 2,000 Air Miles
Interest rate 20.99%
Compare the best points rewards credit cards in Canada. Cheers to that.
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Get Started TD Rewards Visa* Card
Annual fee $0
Rewards rate 2 TD Rewards Points for every $1 spent on eligible purchases
Bonus offer 10,000 TD Rewards Points (equivalent to a $25 gift card). Conditions Apply. Must apply by November 7, 2020.
Interest rate 9.99% 19.99% after 6 months
HSBC +Rewards™ Mastercard®
This offer is not available to residents of Quebec. For residents of Quebec, please click here.
Annual fee $25 First Year Fee Rebate. Terms Apply.
Rewards rate 2 Points per $1 spent on eligible dining and entertainment purchases
Bonus offer 20,000 HSBC Rewards Points ($100 travel value)
Interest rate 11.90%
HSBC World Elite® Mastercard®
This offer is not available to residents of Quebec. For residents of Quebec, please click here.
Annual fee $149 First Year Fee Rebate. Terms Apply.
Rewards rate 6 Points per $1 spent on eligible travel purchases.
Bonus offer Up to 100,000 HSBC Rewards Points ($500 travel value)
Interest rate 19.90%
American Express Cobalt™ Card
Annual fee $120
Rewards rate 5 Points per $1 spent on eats and drinks, including groceries
Bonus offer 30,000 Membership Rewards points
Interest rate 19.99%
American Express® Gold Rewards Card
Annual fee $150
Rewards rate 2 Points per $1 spent
Bonus offer 25,000 Membership Rewards points
Interest rate 30%
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Comparing 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.
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 |
Your points rewards credit card questions, answered.
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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.
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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