Canadian Credit Cards
Check out these popular Canadian credit cards. Many Canadian credit cards offer great incentives, such as cash back for purchases at supermarkets and gas stations, airline miles and hotel rewards, 0% APR on purchases or balance transfers.
- How Smart Cash Works
- Up to 5% cash back on all of your eligible gas and grocery purchases for the first 6 months
- Up to 2% cash back on eligible gas and grocery purchases thereafter
- And, up to 1% cash back on all of your other eligible purchases
- 1.99% annual interest rate†(AIR) on balance transfers*, access cheques and deposits* for the first 10 full months
- Enjoy free online access to your credit card account
- And, with no annual fee and free additional cards you'll start to see the benefits right away
- Rewarding yourself is easy
- Once your cash back totals at least $50 at the end of a monthly billing cycle, we'll automatically mail you a cheque - it's that simple
| Intro APR | Intro APR Period | Regular APR | Annual Fee |
| 1.99% on Balance Transfers | 10 months | 19.99% | None |
- You can earn cash back when you use your TrueEarnings® Card inside and outside of Costco
- Plus, there's no limit to the amount of cash back you can earn annually
- Earn 3% CASH BACK on eligible restaurant purchases
- Earn 2% CASH BACK on eligible gas purchases
- Earn UP TO 1% CASH BACK on everyday purchases - including at Costco®
- Add a FREE Supplementary Card – that person just needs to be a current member on your Costco account
- Enjoy 2.99% special low interest rate on purchases for the first 6 months of Cardmembership, 19.75% thereafter, 21.99% on funds advances, provided you make your minimum monthly payments on time
- Show your TrueEarnings Card for entry into any Costco warehouse and use it to pay for your purchases
- 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.
| Intro APR | Intro APR Period | Regular APR | Annual Fee |
| 0% on Purchases | 6 months | 19.75% | None |
- Earn a Welcome Bonus of 15,000 Membership Rewards® points when you charge $500 in purchases to your Card in your first 3 months of Cardmembership
- Earn double points on eligible travel and everyday purchases
- Transfer your points to frequent flyer programs, or 1:1 to Aeroplan®* and Avios
- 1 Free Supplementary Gold Rewards Card (a $50 value*) to help you earn points faster
- 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.
| Intro APR | Intro APR Period | Regular APR | Annual Fee |
| N/A | N/A | 30%* | No Annual Fee for the first year; $150 Annual Fee thereafter* |
- Earn 10,000 bonus Starpoints® (enough for up to 3 free nights), after you charge $1,000 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 1,000 of the world's most desired hotels in nearly 100 countries
- Use Starpoints for flights on over 350 airlines with no blackout dates with SPG Flights
- Experience once-in-a-lifetime events with SPG Moments
- Get Front Of The Line®* access to tickets for some of the most popular concerts, theatre and special events
- Enjoy the flexibility to pay balances in full or over time
- 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.
- Annual interest rate 19.99% on purchases and 21.99% on funds advances
| Intro APR | Intro APR Period | Regular APR | Annual Fee |
| N/A | N/A | 19.99% | $120 |
- Receive 20,000 bonus Best Western Rewards points after your first qualifying purchase
- Earn 1.5 Best Western Rewards points for every $1 in net retail purchases
- Receive 50 Best Western Rewards points for every cash advance transaction over $50
- Receive a one tier elite status upgrade within the Best Western Rewards program when you spend $6,000 on your card within one year
- Earn even more Best Western Rewards points by staying at Best Western hotels or spending with our retail partners
| Intro APR | Intro APR Period | Regular APR | Annual Fee |
| N/A | N/A | 19.99% | None |
- The no annual fee Choice Privileges® MasterCard® credit card brings rewards closer to home and from around the world
- Apply today and you'll earn 8,000 points upon your first eligible transaction - that's enough for a free night at over 1,500 locations across North America!
- Get away faster and easier by earning:
- Up to 15 points for every $1 in eligible purchases at over 5,500 Choice Privileges locations in Canada, the U.S., Europe, Mexico, and Australasia
- 2 points for every $1 spent on everyday eligible purchases
- 2,000 Bonus Points every year on your account anniversary
- Up to an additional 4,500 Bonus points when you spend $30,000 in a calendar year
- Plus, get automatically upgraded to Elite Gold status, which gives you:
- The ability to book free nights 50 days in advance instead of 30 days
- A 10% point bonus on every eligible stay
| Intro APR | Intro APR Period | Regular APR | Annual Fee |
| N/A | N/A | 19.99% | None |
- Earn Sony Points on qualifying net retail purchases made using your Sony Card MasterCard®
- Get 2,000 Sony Points after your first qualifying transaction
- Earn Double Sony Points with every qualifying net retail purchase of Sony products at sony.ca or the Sony store/ Maison Sony
- Redeem Sony Points toward any Sony product at sony.ca
- Browse through the complete sony.ca catalogue including PlayStation Games, VAIO Wireless Notebooks, BRAVIA LCD Televisions, MP3 Walkman Digital Music Players, movies, software, media and so much more!
- Enhanced security and protection with Chip & PIN technology and PayPass
| Intro APR | Intro APR Period | Regular APR | Annual Fee |
| 1.99% on balance transfers | 6 months | 19.99% | None |
- 0% annual interest rate†(AIR) on balance transfers*, access cheques and deposits* for the first 12 full months
- Around-the-clock fraud protection
- Online access to your credit card account
- Unparalleled 24-hour customer service
- International acceptance at millions of locations
- No annual fee
- Enhanced security and protection with Chip & PIN technology and PayPass
| Intro APR | Intro APR Period | Regular APR | Annual Fee |
| 0% on Balance Transfers and on Cash Advances | 12 months | 17.99% | None |
- Earn a Welcome Bonus of 150 AIR MILES®* reward miles the first time you use the approved Card
- Earn 1 reward mile for every $15 in Card purchases at AIR MILES®* Sponsors
- Earn 1 reward mile for every $20 in purchases you charge to the Card everywhere else
- Shop at participating AIR MILES®* Sponsors across Canada with your American Express® AIR MILES®* Credit Card and your AIR MILES®* Collector Card, and you can earn reward miles twice
- More than 1000 rewards to choose from! Redeem for a wide range of rewards - everything from movie tickets to electronics, travel and more
- 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.
| Intro APR | Intro APR Period | Regular APR | Annual Fee |
| 2.99% on Purchases | 12 months | 19.99% | None |
- Earn points on every qualifying purchase
- Earn 1 mbna rewards point for every qualifying $1 spent on retail transactions‡
- Choose your rewards
- Redeem points for cash back, travel, brand-name merchandise, gift cards from top retailers and charitable donations
- Earn extra points
- 1,000 bonus points after your first qualifying purchase†â€
- 1,000 bonus points each year on your account anniversary date‡
- No annual fee
| Intro APR | Intro APR Period | Regular APR | Annual Fee |
| N/A | N/A | 19.99% | None |
- Earn 1 mbna reward for every qualifying $1 spent on retail transactions
- 1,000 Bonus mbna rewards after your first qualifying purchase
- 1,000 Bonus mbna rewards each year on your account
- Redeem points for cash back, charitable donations, travel, brand-name merchandise and gift cards from top retailers
| Intro APR | Intro APR Period | Regular APR | Annual Fee |
| N/A | N/A | 18.99% - 19.99% | None |
- Receive a total rebate of 2% in CAA-Quebec Dollars on all your qualifying purchases - including gas - at participating Couche-Tard outlets that sell gas
- Even better! Virtually everywhere else, earn a 1% rebate in CAA-Quebec Dollars on your other qualifying purchases
- No Annual Fee
- 3.99% annual interest rate (AIR) on balance transfers*, access cheques and deposits* for the first 6 full months
- Online access to your credit card account
- Unparalleled 24-hour customer service
- International acceptance at millions of locations
| Intro APR | Intro APR Period | Regular APR | Annual Fee |
| 3.99% on Balance Transfers | 6 months | 14.99% | None |
- Earn a Welcome Bonus of 500 AIR MILES®* reward miles the first time you use the approved Card
- Enjoy your first year free
- Earn 1 reward mile for every $10 in Card purchases at AIR MILES®* Sponsors
- Earn 1 reward mile for every $10 in Card purchases at other eligible gas, grocery and drugstores
- Plus, earn 1 reward mile for every $15 in Card purchases everywhere else you use the Card
- More than 1000 rewards to choose from! Redeem for a wide range of rewards - everything from movie tickets to electronics, travel and more
- Shop at participating AIR MILES Sponsors across Canada with your American Express® AIR MILES®* Platinum Credit Card and show your AIR MILES®* Collector 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.
| Intro APR | Intro APR Period | Regular APR | Annual Fee |
| 2.99% on purchases | 12 months | 19.99% | $65 annual fee waived for the first year$65 annual fee waived for the first year |
- Earn a Welcome Bonus of 12,000 Membership Rewards® points the first time you use the approved Card. That's enough for a $100 Gift Card for dining, entertainment, or home improvement!
- Earn 2 Points for every $1 in eligible Card purchases at your 5 places chosen from a list of select American Express merchants. That's double the points compared to your Card purchases everywhere else
- Earn 1 Point for every $1 in Card purchases everywhere else
- Choose your 5 places from a list of select American Express merchants, including stores, restaurants, hotels and more
- Enjoy an introductory 2.99% interest rate on purchases for the first 12 months of Cardmembership, 19.99% thereafter, 21.99% on funds advances, provided you make your minimum monthly payments on time
- 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
| Intro APR | Intro APR Period | Regular APR | Annual Fee |
| 2.99% on purchases | 12 months | 19.99% | $65 |
- Earn a Welcome Bonus of 1,500 Membership Rewards® points the first time you use the approved Card
- Earn 1 Point for every $1 in eligible Card purchases at your 5 places chosen from a list of select American Express merchants. That's double the points compared to your Card purchases everywhere else
- Earn 1 Point for every $2 in Card purchases everywhere else
- Choose your 5 places from a list of select American Express merchants, including stores, restaurants, hotels and more
- 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.
| Intro APR | Intro APR Period | Regular APR | Annual Fee |
| 2.99% on purchases | 12 months | 19.99% | None |
- Earn 25,000 Bonus Aeroplan®* Miles. Receive 20,000 bonus miles after your first use of the Card, plus 5,000 bonus miles after you spend $1,000 in your first three months of Card membership
- Earn 1.25 miles for every dollar in purchases you charge to the Card, up to 25,000
- Accelerate your earn rate to 1.5 miles for every dollar in purchases over $25,000 annually
- Enjoy a 2-for-1 short-haul flight reward when you redeem 15,000 Aeroplan Miles, with the Partner Ticket benefit
- Bypass the regular check-in line at the airport with access to Air Canada Executive First®*/Executive Class®* Priority Airport Check-in
- Go confidently with coverage that's as broad as your horizons, including Car Rental Theft and Damage Insurance, Emergency Medical Insurance (out of province/country), and much more.
- 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.
| Intro APR | Intro APR Period | Regular APR | Annual Fee |
| N/A | N/A | 30%* | $499* |
- Earn 20,000 Bonus Aeroplan®* Miles. Receive 15,000 Bonus Aeroplan®* Miles after your first use of the Card, plus earn 5,000 bonus miles after you spend $1,000 in your first three months of Card membership
- Earn 1 Aeroplan Mile for every $1 in Card purchases up to $10,000
- Accelerate your earn rate to 1.25 Aeroplan Miles for every additional $1 in Card purchases over $10,000 annually
- Earn Aeroplan Miles faster with two free Supplementary Cards – a $100 value ($50 for each additional Supplementary Card*)
- Travel to more than 1,000 destinations in more than 180 countries worldwide with Air Canada and Star Alliance Member Airlines™**
- In addition to flights, you can also redeem for hotel stays, car rentals, vacation packages, experiential rewards, merchandise and more
- 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.
| Intro APR | Intro APR Period | Regular APR | Annual Fee |
| N/A | N/A | 30%* | $120* |
- Earn 5,000 Bonus Aeroplan®* Miles after your first use of an approved Card
- Earn 1 Aeroplan Mile for every $1 in Card purchases
- Earn Aeroplan Miles twice at over 150 Aeroplan Partners
- Supplementary AeroplanPlus Cards are FREE for the first year, $20 each annually thereafter
- No annual fee for the first year. A value of $60
- Travel to more than 1,000 destinations in more than 180 countries worldwide with Air Canada and Star Alliance Member Airlines™**
- In addition to flights, you can also redeem for hotel stays, car rentals, vacation packages, experiential rewards, merchandise and more
- 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.
| Intro APR | Intro APR Period | Regular APR | Annual Fee |
| N/A | N/A | 30%* | No annual fee for the first year. A value of $60* |
- Earn 25,000 Welcome Points (enough for a round-trip flight to almost anywhere in North America) if you reach $3,000 in purchases within the first 3 months of Cardmembership. You can also earn a Thank You Bonus of up to 40,000 Bonus Points each year
- Earn 1 Membership Rewards® point for virtually every $1 in purchases charged to your Card
- Use your points to save money by investing back into your business. Redeem Membership Rewards points toward your American Express Card balance with Points for Credit to pay for your everyday purchases.
- Transfer your points with no fee to many frequent flyer and loyalty programs and 1:1 to Aeroplan®*
- Go online to access the paperless Expense Management Reports delivered quarterly and annually, for flexible tracking and simple tax preparation
- 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.
| Intro APR | Intro APR Period | Regular APR | Annual Fee |
| N/A | N/A | N/A | None for first year, $180 thereafter |
- Low annual interest rate (AIR) of 9.99% for purchases, balance transfers, access cheques and deposits
- No Annual Fee
- Exclusive Platinum benefits and peace of mind
- Around-the-clock fraud protection
- Add authorized users at no additional cost
- Enhanced security and protection with Chip & Pin technology
| Intro APR | Intro APR Period | Regular APR | Annual Fee |
| N/A | N/A | 9.99% | None |
- Earn 50,000 Bonus Membership Rewards® points by spending $1,000 in purchases in the first three months of Cardmembership
- Platinum members are automatically enrolled in the Membership Rewards First™ Tier and earn 1.25 points for every dollar in purchases charged to the Card
- The Platinum Card gives you access to exceptional lounge benefits such as Priority Pass, the Canadian Platinum Lounge Benefit, Airport Club Program and access to the Cathay Pacific Business Class lounges and oneworld® alliance airlines Business Class lounges
- You will also have access to elevated status with many Hotel & Car Rental loyalty programs, $200 Annual Travel Credit for Travel Bookings through Platinum Card Travel Service, lodging benefits at a collection of over 700 Fine Hotels & Resorts around the world, access to special events and unique opportunities and a dedicated concierge team
- 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.
| Intro APR | Intro APR Period | Regular APR | Annual Fee |
| N/A | N/A | 30%* | $699 |
