The best credit cards in Canada are a click away. Hooray! Compare credit cards for free and apply online.


Find the right credit card.

Get Started

TD Cash Back Visa Infinite* Card

This offer is not available for residents of Quebec. †Terms and conditions apply..

Annual fee $120 First year annual fee rebate
Rewards rate 1 - 3% Cash Back Dollars on eligible purchases
Bonus offer 6% Cash Back on all Purchases for the first 3 months up to a total spend of $2,000. Must apply by May 29, 2022
Purchase interest rate 20.99%
Balance transfer interest rate 22.99%
Cash advance interest rate 22.99%

Scotia Momentum® VISA Infinite* Card

Annual fee $120 $0 for the first year
Rewards rate 4% Cash back on eligible recurring bill payments and grocery store purchases
Bonus offer 10% Cash back on all purchases for the first 3 months (up to $2,000 in total purchases)
Purchase interest rate 20.99%
Balance transfer interest rate 22.99%
Cash advance interest rate 22.99%

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 annual fee rebate
Rewards rate 6 Points per $1 spent on eligible travel purchases
Bonus offer 100,000 HSBC Rewards Points (up to $500 travel value)
Purchase interest rate 19.90%
Balance transfer interest rate 22.90%
Cash advance interest rate 22.90%

American Express Cobalt® Card

Annual fee $155.88 ($12.99 /month)
Rewards rate 5 Points per $1 spent on eligible eats and drinks, including groceries and food delivery
Bonus offer 50,000 Membership Rewards points
Purchase interest rate 20.99%
Balance transfer interest rate N/A
Cash advance interest rate 21.99% *provided you make your minimum monthly payments on time

How we help you choose the best credit card.

  1. You’ll be taken to your chosen card’s website to submit your info.
  2. Once you’re approved, your card will arrive in the mail.

Why choose

75+ trusted partners (and growing) on our site to compare mortgage rates, insurance and credit cards

$1 billion+ saved in interest and fees

14+ million Canadians helped per year

High praise for

Based on 360 reviews
January 8
fast and easy
fast and easy
moira fortin
November 4
It was a good experience
It was a good experience
October 26
Easy to use
Easy to use, easy to find the result that you're looking for! 5 star coverage!
October 15
Great service and very helpful :) would…
Great service and very helpful :) would definitely recommend
Emily Peacock
October 14
It's great
It's great, found the best rates.
Chirath Ranaweera
October 14
Fast and pleasant experience
Fast and pleasant experience. Saved a lot of money too!
October 14
Fast response
Fast response
October 13
From the online process to the first…
From the online process to the first contact speaking to a rep it’s was a good...
Rose Daniel
October 13
A very pleasant contact
A very pleasant contact, without rep talking over my head., It was very infor...
Margaret Markson
September 30 is the best out there is the best out there. They are fast efficient and gets job done...
Maria M. T.
August 31
very quick and reliable rates
very quick and reliable rates
Tracie N
August 12
I can’t believe how quickly I am…
I can’t believe how quickly I am getting email responses. Very happy with this...
July 25
Awesome 👍😎
Awesome 👍😎
Joshua Leong
July 1
excellent service
excellent service
An Luu
June 22
Highly recommended
Excellent customer service. Was very patient and answer my customers toughly. Fo...
Karan Parmar

Types of credit cards.

Looking for more credit card info? Check out our Help Centre.


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–$699
Interest rate19.95%-30%
Credit scoreGood to excellent

Low interest

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-$59
Interest rate7.99%-16.99%
Credit scoreGood

Balance transfer

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-$99
Interest rate8.99%-19.99%
Credit scoreGood


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 rate19.99%
Credit scoreFair to good

No fee

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 rate5.99%-19.99%
Credit scoreGood

Secured and guaranteed

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-$59
Interest rate14.90%-19.99%
Credit scoreNone 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$150-$250
Interest rate19.99%-30%
Credit scoreExcellent


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 rate16.99%-19.99%
Credit scoreExcellent

U.S. dollar

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$0-$139
Interest rate19.99%
Credit scoreGood

What you need to know about credit cards.

Looking for more credit card info? Check out our Help Centre.

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 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.



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.



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.

What are the key credit card terms I need to 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.

Credit card news

Read More Like This