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Canadian Credit Cards

Save money with the best Canadian Credit Cards that feature no annual fee, 0% introductory interest rates, and as much as 5% cash back incentives.


     Smart Cash MasterCard® Credit Card

  • Get up to 5% cash back on qualifying net retail gas and grocery purchases for the first 6 months*

  • Get up to 3% cash back on qualifying net retail gas and grocery purchases thereafter*

  • Get up to 1% cash back for all other qualifying net retail purchases*

  • 1.99% introductory annual interest rate* on balance transfers* and cheque cash advances for 10 months

  • Feel secure with around-the-clock fraud protection

  • Enjoy free online access to your credit card account

  • No annual fee

  • Click here for official application, terms, and details.

Smart Cash MasterCard Credit Card Apply for Smart Cash MasterCard Credit Card Online
Intro APR Intro APR Period Regular APR Annual Fee
1.99% on Balance Transfers 10 months 19.99% None

     PremierRewards® MasterCard®

PremierRewards MasterCard Apply for PremierRewards MasterCard Online
Intro APR Intro APR Period Regular APR Annual Fee
N/A N/A 19.99% None

     Aspire Gold MasterCard®

  • 5,000 bonus reward miles with your first purchase

  • 1,000 anniversary bonus reward miles every year

  • Earn 1 reward mile for every $1 spent on everything you buy

  • Redeem for travel, cash, merchandise or gift cards

  • Earn reward miles - with no annual fee!

  • Click here for official application, terms, and details.

Aspire Gold MasterCard Apply for Aspire Gold MasterCard Online
Intro APR Intro APR Period Regular APR Annual Fee
N/A N/A 19.8% None

     Delta SkyMiles® Gold MasterCard® Capital One®

Delta SkyMiles Gold MasterCard Capital One Apply for Delta SkyMiles Gold MasterCard Capital One Online
Intro APR Intro APR Period Regular APR Annual Fee
N/A N/A 19.8% None

     Best Western MasterCard® Credit Card

  • Receive 5,000 bonus Best Western Rewards points after first 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

  • Earn additional Best Western Rewards points from retail partners

  • Click here for official application, terms, and details.

Best Western MasterCard Credit Card Apply for Best Western MasterCard Credit Card Online
Intro APR Intro APR Period Regular APR Annual Fee
N/A N/A 19.99% None

     Gold MasterCard® Credit Card - Fixed 9.99% AIR

Gold MasterCard Credit Card - Fixed 9.99% AIR Apply for Gold MasterCard Credit Card - Fixed 9.99% AIR Online
Intro APR Intro APR Period Regular APR Annual Fee
N/A N/A 9.99% None

     Sony Card MasterCard® Credit Card

  • Get 2,000 Sony Points after your first qualifying transaction

  • Earn Double Sony Points with every purchase of Sony products at SonyStyle.ca or the Sony store/Maison Sony

  • Earn Sony Points with every net retail purchase made on your Sony Card MasterCard

  • Redeem Sony Points toward any Sony product at SonyStyle.ca

  • Browse through the complete SonyStyle.ca catalogue including PlayStation Games, VAIO Wireless Notebooks, BRAVIA LCD Televisions, MP3 Walkman Digital Music Players, movies, software, media and so much more

  • Click here for official application, terms, and details.

Sony Card MasterCard Credit Card Apply for Sony Card MasterCard Credit Card Online
Intro APR Intro APR Period Regular APR Annual Fee
N/A N/A 19.99% None

     WorldPoints® MasterCard®

  • 1,000 Bonus WorldPoints after your first purchase

  • 1,000 Bonus WorldPoints each year on your account anniversary date

  • Earn 1 WorldPoint for every $1 in net retail purchases

  • Redeem WorldPoints for travel, merchandise, and gift certificates

  • No Annual Fee

  • Click here for official application, terms, and details.

WorldPoints MasterCard Apply for WorldPoints MasterCard Online
Intro APR Intro APR Period Regular APR Annual Fee
N/A N/A 19.99% None

     Studentawards Credit Card

  • Earn 1 WorldPoint for every $2 in qualifying net retail purchases*

  • No maximum earnings cap on WorldPoints

  • No Annual Fee

  • Online access to your credit card account

  • Around-the-clock fraud protection

  • Unparalleled 24-hour customer service

  • Immediate cash access at 430,000 ATMs internationally

  • Click here for official application, terms, and details.

Studentawards Credit Card Apply for Studentawards Credit Card Online
Intro APR Intro APR Period Regular APR Annual Fee
N/A N/A 18.99% - 19.99% None

     Platinum Plus® MasterCard®

  • 1.99% introductory Annual Interest Rate for 10 months on Cheque Cash Advances and Balance Transfers

  • No Annual Fee

  • 17.99% Annual Interest Rate on Purchases and 19.99% Annual Interest Rate on Cash Advances

  • Immediate cash access at 430,000 ATMs internationally

  • Click here for official application, terms, and details.

Platinum Plus MasterCard Apply for Platinum Plus MasterCard Online
Intro APR Intro APR Period Regular APR Annual Fee
1.99% on Balance Transfers and on Cash Advances 10 months 17.99% None

     Shoppers Optimum® MasterCard® Credit Card

  • 15,000 Shoppers Optimum Bonus Points® after your first purchase - that's up to a $25 in-store value at shoppers drug mart®

  • Earn 25 points for every $1 in purchases at Shoppers Drug Mart using your Shoppers Optimum® MasterCard® when you show your Shoppers Optimum Card®

  • 1.99% Introductory Annual Interest Rate on Cheque Cash Advances and Balance Transfers for 6 months

  • No Annual Fee

  • Click here for official application, terms, and details.

Shoppers Optimum MasterCard Credit Card Apply for Shoppers Optimum MasterCard Credit Card Online
Intro APR Intro APR Period Regular APR Annual Fee
1.99% on Balance Transfers 6 months 19.99% None

     Pharmaprix Optimum® MasterCard® Credit Card

  • 15,000 Pharmaprix Optimum Bonus Points® after your first purchase - that's up to a $25 in-store value at Pharmaprix®

  • Earn 25 points for every $1 in purchases at Pharmaprix using your Pharmaprix Optimum® MasterCard® when you show your Pharmaprix Optimum Card®

  • 1.99% Introductory Annual Interest Rate on Cheque Cash Advances and Balance Transfers for 6 months

  • No Annual Fee

  • Click here for official application, terms, and details.

Pharmaprix Optimum MasterCard Credit Card Apply for Pharmaprix Optimum MasterCard Credit Card Online
Intro APR Intro APR Period Regular APR Annual Fee
1.99% on Balance Transfers 6 months 19.99% None

     CAA Quebec MasterCard® Credit Card

  • On top of the 2˘ per litre of gas earned in CAA-Quebec Dollars when you show your CAA-Quebec membership card at the counter when filling up on gas at participating Couche-Tard outlets, you receive an additional 2% rebate by paying with your CAA-Quebec MasterCard credit card on all your qualifying purchases — including gas — at participating Couche-Tard outlets that sell gas

  • Even more, this 2% is added to the .5% rebate you earn each time you use your CAA-Quebec MasterCard credit card

  • Low 3.99% introductory interest rate for 6 months on Cheque Cash Advances and Balance Transfers

  • No Annual Fee

  • Click here for official application, terms, and details.

CAA Quebec MasterCard Credit Card Apply for CAA Quebec MasterCard Credit Card Online
Intro APR Intro APR Period Regular APR Annual Fee
3.99% on Balance Transfers 6 months 14.99% None

     American Express® AIR MILES®* Platinum Credit Card

  • Get 350 Bonus AIR MILES reward miles the first time you use the Card

  • Earn 1 reward mile for every $10 in Card purchases at AIR MILES Sponsors

  • Earn 1 reward mile for every $15 in Card purchases everywhere else you use the Card

  • Click here for official application, terms, and details.

American Express AIR MILES Platinum Credit Card Apply for American Express AIR MILES Platinum Credit Card Online
Intro APR Intro APR Period Regular APR Annual Fee
N/A N/A as low as 19.99% $50

     SmartLine™ Platinum MasterCard

  • Enjoy our lowest long-term rate of 5.99% on purchases and balance transfers guaranteed for 3 years (as long you pay your bills on time)

  • After that your rate will stay low and become a variable rate of Prime +3.75% on purchases and balance transfers

  • Save money when you transfer high-interest debt with our no-fee balance transfer service

  • No Annual Fee, Annual interest rate for cash advances is 19.8%

  • Click here for official application, terms, and details.

SmartLine Platinum MasterCard Apply for SmartLine Platinum MasterCard Online
Intro APR Intro APR Period Regular APR Annual Fee
5.99% on Purchases and on Balance Transfers 3 years Prime +3.75% None

     Cash Back Plus Platinum MasterCard®

Cash Back Plus Platinum MasterCard Apply for Cash Back Plus Platinum MasterCard Online
Intro APR Intro APR Period Regular APR Annual Fee
N/A N/A 19.8% $99

     Delta SkyMiles® World MasterCard® Capital One®

  • Get 25,000 bonus Delta miles with first purchase

  • Earn 2 Delta miles for every $1 you spend on Delta purchases

  • Earn 1 Delta mile per $1 for all other net purchases

  • Earn 2,500 bonus Delta miles on your account anniversary, every year.

  • Get 2,500 bonus Delta miles by adding an authorized user

  • PLUS – valuable World MasterCard Benefits

  • Click here for official application, terms, and details.

Delta SkyMiles World MasterCard Capital One Apply for Delta SkyMiles World MasterCard Capital One Online
Intro APR Intro APR Period Regular APR Annual Fee
N/A N/A 19.8% $120

     Aspire World MasterCard®

  • 35,000 bonus reward miles with your first purchase

  • 10,000 anniversary bonus reward miles every year

  • Earn 2 reward mile for every $1 spent on everything you buy

  • Earn more reward miles on everything you buy!

  • Redeem for travel, cash, merchandise or gift cards

  • World MasterCard benefits including Travel Emergency Medical Insurance and Trip Cancellation Insurance

  • Click here for official application, terms, and details.

Aspire World MasterCard Apply for Aspire World MasterCard Online
Intro APR Intro APR Period Regular APR Annual Fee
N/A N/A 19.8% $120

     Cash Back Gold MasterCard®

  • Earn up to 1% cash back on purchases

  • No limit to the amount of cash you can earn

  • Redeem anytime your cash rewards balance is $15 or more

  • Choose how you'd like your cash - cheque or statement credit

  • Earn cash back quickly and pay no annual fee!

  • Click here for official application, terms, and details.

Cash Back Gold MasterCard Apply for Cash Back Gold MasterCard Online
Intro APR Intro APR Period Regular APR Annual Fee
N/A N/A 19.8% None

     Gold MasterCard®: 11.9% Guaranteed for 3 Years

  • Enjoy the certainty of a low long-term rate of 11.9% on purchases and balance transfers guaranteed for 3 years (as long you pay your bills on time)

  • After that your rate will stay low and become a variable rate of Prime +9.9% on purchases and balance transfers

  • Save money when you transfer higher-interest balances with our no-fee balance transfer service

  • Click here for official application, terms, and details.

Gold MasterCard: 11.9% Guaranteed for 3 Years Apply for Gold MasterCard: 11.9% Guaranteed for 3 Years Online
Intro APR Intro APR Period Regular APR Annual Fee
11.9% on Purchases and on Balance Transfers 3 years Prime +9.9% $19

     Guaranteed Secured MasterCard®

Guaranteed Secured MasterCard Apply for Guaranteed Secured MasterCard Online
Intro APR Intro APR Period Regular APR Annual Fee
N/A N/A 19.8% $59

     Guaranteed MasterCard®

Guaranteed MasterCard Apply for Guaranteed MasterCard Online
Intro APR Intro APR Period Regular APR Annual Fee
N/A N/A 19.8% $59

     Low Rate Guaranteed Secured MasterCard®

Low Rate Guaranteed Secured MasterCard Apply for Low Rate Guaranteed Secured MasterCard Online
Intro APR Intro APR Period Regular APR Annual Fee
N/A N/A 14.9% $69

     Low Rate Guaranteed MasterCard®

Low Rate Guaranteed MasterCard Apply for Low Rate Guaranteed MasterCard Online
Intro APR Intro APR Period Regular APR Annual Fee
N/A N/A 14.9% $79
Chase Sapphire Card
How to ...
   Boost your credit score
   Apply for business credit cards
   Access your credit reports for free
   Choose and use credit cards
   Dispute a credit card bill
   Fight back against identity theft
What is ...
   The history of credit cards
   The meaning of credit card numbers
   The basics of credit scores
   Credit report says about you
   Truth of credit card loss protection
Credit Card Terminology
     Balance Transfer
     Cash Advance Check
     Annual Percentage Rate (APR)
     Introductory Rates
     Variable Interest Rate
     Prime Rate
     Periodic Rate
     Average Daily Balance
     Credit Limit
     Grace Period
     Minimum Monthly Payment
     Monthly Finance Charge
     Credit Score
     Pre-Approved
     Secured Credit Card
 
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