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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.

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

Intro APR	Intro APR Period	Regular APR	Annual Fee
1.99% on Balance Transfers	10 months	19.99%	None

	The Starwood Preferred Guest^®* Credit Card from American Express Earn 15,000 Welcome Bonus Starpoints after you spend $1,000 in purchases to your Card in your first three months of Card membership Earn 1 Starpoint for every $1 in purchases charged to the Card Click here for official application, terms, and details

Intro APR	Intro APR Period	Regular APR	Annual Fee
N/A	N/A	19.99%	$120

American Express^® Gold Rewards Card

Earn 15,000 Bonus Membership Rewards^® points when you spend $500 or more in the first 3 months
Earn double points for every $1 in eligible travel purchases charged to the Card, including flights, hotels, car rentals, cruises, and more
Plus, earn double points for every $1 in eligible gas, grocery and drugstore purchases charged to the Card
You'll also earn one point for every $1 in Card purchases everywhere else
Click here for official application, terms, and details

Intro APR	Intro APR Period	Regular APR	Annual Fee
N/A	N/A	N/A	None for first year, $150 thereafter

MBNA Sony MasterCard^®

Earn 10,000 Sony Bonus Points with the MBNA Sony MasterCard
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

Intro APR	Intro APR Period	Regular APR	Annual Fee
N/A	N/A	19.99%	None

Choice Privileges MasterCard^®

2 points for every qualifying net retail $1 spent on everyday purchases like gas and groceries*
Get the card. Earn 2 free nights at over 1,500 hotels across North America!
Up to 15 points for every $1 in qualifying net retail purchases at over 5,500 Choice Privileges locations in Canada, the U.S., Europe, the Middle East, Mexico, Central America, the Caribbean and Australasia*
Automatic upgrade to Elite Gold status*** – earning you more points for every eligible stay
Click here for official application, terms, and details

Intro APR	Intro APR Period	Regular APR	Annual Fee
N/A	N/A	16.99%	None

Platinum Plus^® MasterCard^®

0% introductory annual interest rate* on balance transfers* and cheque cash advances for 10 months
No Annual Fee
17.99% Annual Interest Rate on Purchases and 19.99% Annual Interest Rate on Cash Advances
Around-the-clock fraud protection
Online access to your credit card account
Unparalleled 24-hour Customer service
International acceptance at millions of locations
Click here for official application, terms, and details

Intro APR	Intro APR Period	Regular APR	Annual Fee
0% on Balance Transfers and on Cash Advances	10 months	17.99%	None

Aspire Cash™ World MasterCard^®

1.5% cash rewards on all purchases
20% extra cash rewards every year
$100 bonus cash reward on your first purchase
No limit to the amount of cash you can earn
Add an authorized user for $0, and earn even more cash
Valuable World MasterCard benefits including Purchase Assurance and Extended Warranty
Click here for official application, terms, and details

Intro APR	Intro APR Period	Regular APR	Annual Fee
N/A	N/A	Prime + 16.8%	$120

Aspire Cash™ Platinum MasterCard^®

Earn cash rewards and pay no annual fee!
1% cash rewards on all net purchases
20% extra cash rewards every year
$50 bonus cash reward on your first purchase
No limit to the amount of cash you can earn
Add an authorized user for $0, and earn even more cash
Valuable Platinum benefits including Purchase Assurance and Extended Warranty
Click here for official application, terms, and details

Intro APR	Intro APR Period	Regular APR	Annual Fee
N/A	N/A	Prime + 16.8%	None

	PremierRewards^® MasterCard^® 1% back on all net retail purchases No Annual Fee 19.99% 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

Intro APR	Intro APR Period	Regular APR	Annual Fee
N/A	N/A	19.99%	None

American Express^® AIR MILES^®* Credit Card

Earn a Welcome Bonus of 150 reward miles the first time you use the card
Earn 1 reward mile for every $15 in Card purchases at AIR MILES^®* Sponsors
Earn 1 reward mile for every $20 in Card purchases everywhere else
As well, shop at participating AIR MILES^®* Sponsors across Canada with your Card and your AIR MILES^®* Collector Card, and you can earn reward miles from both
Click here for official application, terms, and details

Intro APR	Intro APR Period	Regular APR	Annual Fee
2.99% on Purchases	12 months	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

Intro APR	Intro APR Period	Regular APR	Annual Fee
N/A	N/A	19.99%	None

Best Western MasterCard^® Credit Card

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
19.99% Annual Interest Rate on Purchases and 19.99% Annual Interest Rate on Cash Advances
Around-the-clock fraud protection
Online access to your credit card account
Unparalleled 24-hour Customer service
Immediate cash access at 430,000 ATMs internationally
No Annual Fee
Click here for official application, terms, and details

Intro APR	Intro APR Period	Regular APR	Annual Fee
N/A	N/A	19.99%	None

	Aspire™ Travel Platinum MasterCard^® Earn reward miles – with no annual fee! No Annual Fee Earn 1 reward mile for every $1 spent - on all purchases 5,000 bonus reward miles with your first purchase 1,000 anniversary bonus reward miles every year Redeem for travel, cash, merchandise or gift cards Click here for official application, terms, and details

Intro APR	Intro APR Period	Regular APR	Annual Fee
N/A	N/A	Prime + 16.8%	None

	Delta SkyMiles^® Gold MasterCard^® 2,500 bonus Delta miles with first purchase 1 Delta miles for every $1 you spend on Delta purchases 1 Delta mile per $2 for all other net purchases Earn Delta miles on everything you buy Click here for official application, terms, and details

Intro APR	Intro APR Period	Regular APR	Annual Fee
N/A	N/A	19.8%	None

	Gold MasterCard^® Credit Card - Fixed 9.99% AIR No Annual Fee Credit limit up to $100,000 9.99% Annual Interest Rate on Purchases and Cash Advances 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

Intro APR	Intro APR Period	Regular APR	Annual Fee
N/A	N/A	9.99%	None

	Studentawards WorldPoints^® MasterCard^® 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

Intro APR	Intro APR Period	Regular APR	Annual Fee
N/A	N/A	18.99% - 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

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

Earn a Welcome Bonus of 500 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
Now! Earn 1 reward mile for every $10 in Card purchases at other eligible gas, grocery and drugstores
Earn 1 reward mile for every $15 in Card purchases everywhere else
Click here for official application, terms, and details

Intro APR	Intro APR Period	Regular APR	Annual Fee
2.99% on Purchases	12 months	19.99%	None for first year, $65 thereafter

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 your three years are up, your purchase rate and balance transfer rate become a variable rate of Prime +4.99%
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

Intro APR	Intro APR Period	Regular APR	Annual Fee
5.99% on Purchases and on Balance Transfers	3 years	Prime +4.99%	None

Delta SkyMiles^® World MasterCard^®

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
Earn Delta miles on everything you buy
Click here for official application, terms, and details

Intro APR	Intro APR Period	Regular APR	Annual Fee
N/A	N/A	19.8%	$120

Aspire™ Travel World MasterCard^®

Earn more reward miles – on everything you buy!
Earn 2 reward miles for every $1 – on all purchases
35,000 bonus reward miles with your first purchase
10,000 anniversary bonus reward miles every year
Redeem for travel, cash, merchandise and gift cards
World MasterCard benefits including Travel Emergency Medical Insurance and Trip Cancellation Insurance
Click here for official application, terms, and details

Intro APR	Intro APR Period	Regular APR	Annual Fee
N/A	N/A	Prime + 16.8%	$120

Gold MasterCard^®: 11.9%

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
Annual interest rate for cash advances is 19.8%
Save money when you transfer higher-interest balances with our no-fee balance transfer service
Click here for official application, terms, and details

Intro APR	Intro APR Period	Regular APR	Annual Fee
11.9% for 3 years	3 years	Prime +9.9%	$19

	Guaranteed Secured MasterCard^® Guaranteed Approval May help you establish or re-establish your credit history $0 fraud liability for unauthorized use Click here for official application, terms, and details

Intro APR	Intro APR Period	Regular APR	Annual Fee
N/A	N/A	19.8%	$59

	Guaranteed MasterCard^® Help you strengthen your credit history 24/7 customer service online or by phone $0 fraud liability for unauthorized use Security funds not required, unless we contact you Click here for official application, terms, and details

Intro APR	Intro APR Period	Regular APR	Annual Fee
N/A	N/A	19.8%	$59

	Low Rate Guaranteed Secured MasterCard^® Low rate on purchases and balance transfers Guaranteed Approval May help you establish or re-establish your credit history Click here for official application, terms, and details

Intro APR	Intro APR Period	Regular APR	Annual Fee
N/A	N/A	14.9%	$69

	Low Rate Guaranteed MasterCard^® Low rate on purchases and balance transfers May help you strengthen your credit history $0 fraud liability for unauthorized use Security funds not required, unless we contact you Click here for official application, terms, and details

Intro APR	Intro APR Period	Regular APR	Annual Fee
N/A	N/A	14.9%	$79

American Express^® Business Gold Rewards Card

25,000 Welcome Points. Enough for a ticket almost anywhere in North America. Just purchase $3,000 in the first 3 months
Earn 1 point for every dollar in purchases charged to the Card. No caps.
Earn up to 40,000 bonus points. Every year. 15,000 points when you reach $50,000 in purchases. Another 25,000 when you reach $100,000.
Get additional Cards for employees. Earn even more points - all on your account
More Rewards for you or your Business. Transfer to Aeroplan^®*. Instantly. 1 point = 1 Aeroplan^®* mile
Also transfer points to Delta Air Lines and Cathay Pacific's Asia Miles and access their 27 airline partners
Book virtually any trip or vacation. Pay all or part with points. No blackouts
No fee for the First Year. A savings of $180.
Click here for official application, terms, and details

Intro APR	Intro APR Period	Regular APR	Annual Fee
N/A	N/A	Annual Interest Rate Applies*	None for first year, $180 thereafter

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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.

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

The Starwood Preferred Guest®* Credit Card from American Express

Earn 15,000 Welcome Bonus Starpoints after you spend $1,000 in purchases to your Card in your first three months of Card membership

Earn 1 Starpoint for every $1 in purchases charged to the Card

American Express® Gold Rewards Card

Earn 15,000 Bonus Membership Rewards® points when you spend $500 or more in the first 3 months

Earn double points for every $1 in eligible travel purchases charged to the Card, including flights, hotels, car rentals, cruises, and more

Plus, earn double points for every $1 in eligible gas, grocery and drugstore purchases charged to the Card

You'll also earn one point for every $1 in Card purchases everywhere else

MBNA Sony MasterCard®

Earn 10,000 Sony Bonus Points with the MBNA Sony MasterCard

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

Choice Privileges MasterCard®

2 points for every qualifying net retail $1 spent on everyday purchases like gas and groceries*

Get the card. Earn 2 free nights at over 1,500 hotels across North America!

Up to 15 points for every $1 in qualifying net retail purchases at over 5,500 Choice Privileges locations in Canada, the U.S., Europe, the Middle East, Mexico, Central America, the Caribbean and Australasia*

Automatic upgrade to Elite Gold status*** – earning you more points for every eligible stay

Platinum Plus® MasterCard®

0% introductory annual interest rate* on balance transfers* and cheque cash advances for 10 months

No Annual Fee

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

Around-the-clock fraud protection

Online access to your credit card account

Unparalleled 24-hour Customer service

International acceptance at millions of locations

Aspire Cash™ World MasterCard®

1.5% cash rewards on all purchases

20% extra cash rewards every year

$100 bonus cash reward on your first purchase

No limit to the amount of cash you can earn

Add an authorized user for $0, and earn even more cash

Valuable World MasterCard benefits including Purchase Assurance and Extended Warranty

Aspire Cash™ Platinum MasterCard®

Earn cash rewards and pay no annual fee!

1% cash rewards on all net purchases

20% extra cash rewards every year

$50 bonus cash reward on your first purchase

No limit to the amount of cash you can earn

Add an authorized user for $0, and earn even more cash

Valuable Platinum benefits including Purchase Assurance and Extended Warranty

PremierRewards® MasterCard®

1% back on all net retail purchases

No Annual Fee

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

Immediate cash access at 430,000 ATMs internationally

American Express® AIR MILES®* Credit Card

Earn a Welcome Bonus of 150 reward miles the first time you use the card

Earn 1 reward mile for every $15 in Card purchases at AIR MILES®* Sponsors

Earn 1 reward mile for every $20 in Card purchases everywhere else

As well, shop at participating AIR MILES®* Sponsors across Canada with your Card and your AIR MILES®* Collector Card, and you can earn reward miles from both

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

Best Western MasterCard® Credit Card

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

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

Around-the-clock fraud protection

Online access to your credit card account

Unparalleled 24-hour Customer service

Immediate cash access at 430,000 ATMs internationally

No Annual Fee

Aspire™ Travel Platinum MasterCard®

Earn reward miles – with no annual fee!

Smart Cash MasterCard^® Credit Card

The Starwood Preferred Guest^®* Credit Card from American Express

American Express^® Gold Rewards Card

Earn 15,000 Bonus Membership Rewards^® points when you spend $500 or more in the first 3 months

MBNA Sony MasterCard^®

Choice Privileges MasterCard^®

Platinum Plus^® MasterCard^®

**0% introductory annual interest rate* on balance transfers* and cheque cash advances for 10 months**

Aspire Cash™ World MasterCard^®

Aspire Cash™ Platinum MasterCard^®

PremierRewards^® MasterCard^®

American Express^® AIR MILES^®* Credit Card

Earn 1 reward mile for every $15 in Card purchases at AIR MILES^®* Sponsors

As well, shop at participating AIR MILES^®* Sponsors across Canada with your Card and your AIR MILES^®* Collector Card, and you can earn reward miles from both

WorldPoints^® MasterCard^®

Best Western MasterCard^® Credit Card

Aspire™ Travel Platinum MasterCard^®

Delta SkyMiles^® Gold MasterCard^®

Gold MasterCard^® Credit Card - Fixed 9.99% AIR

Studentawards WorldPoints^® MasterCard^®

CAA Quebec MasterCard^® Credit Card

American Express^® AIR MILES^®* Platinum Credit Card

Earn a Welcome Bonus of 500 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

Delta SkyMiles^® World MasterCard^®

Aspire™ Travel World MasterCard^®