Best rewards credit cards

Get rewarded for your spending with a cash back, miles or rewards points credit card.

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Are you looking for a credit card that gives you rewards just for spending? Learn more about the types of rewards cards on offer, as well as how to maximize your earnings. We’ve researched all rewards types offered by credit card providers in Canada, to help you narrow down the right card type for you.

How we chose our top picks for the best rewards cards

We’ve chosen the cards on this page based on the providers available through Finder. These cards are not representative of the entire market. Our top rewards cards offer a high value of rewards points, miles or cash back, exclusive perks such as comprehensive travel insurance coverage, and a signup bonus. We’ve also considered annual fees and balance transfer fees.

No single rewards card will be the best choice for everyone, so compare your options before picking your new card.

Best for earning rewards points: American Express Gold Rewards Card

With the American Express Gold Rewards Card, you’ll earn 2 Membership Rewards points for every $1 spent on gas, likewise with purchases on travel, grocery and drug store purchases.

Although this might seem like a low earn rate compared to, say a 4% cash back card, Amex Membership Rewards points are much more valuable. You can transfer your points to Aeroplan Miles at a rate of 1:1, which are worth $2.50 when redeemed toward a flight. Plus, this card is automatically enrolled in the Membership Rewards program, which saves yo $50 annually.

Best for earning Air Miles: BMO AIR MILES World Elite MasterCard

With the BMO AIR MILES World Elite MasterCard, you’ll earn 1 mile per $10 spend in purchases. Air Miles can be redeemed for flights, cash, merchandise and statement credit, with little to no restrictions.

To sweeten the deal, the card comes with an enticing signup bonus, the annual fee waived in the first year and plenty of travel related perks including airport lounge access, comprehensive travel insurance coverage, big gas savings at Shell stations across Canada and more.

Best for earning Aeroplan Miles: TD Aeroplan Visa Infinite Card

When it comes to Air Canada, the TD Aeroplan Visa Infinite Card is a great alternative to the American Express Gold Rewards Card. You’ll get plenty of Air Canada perks, however the earn rate is not as high as the Amex card which has us choosing it as the best Aeroplan Miles card instead.

Best for earning flat-rate cash back: SimplyCash Preferred Card from American Express

The SimplyCash Preferred Card from American Express gives 2% cash back on purchases and a 5% return in your first 6 months.

The card also offers comprehensive travel insurance, an introductory balance transfer rate and exclusive offers on dining and entertainment. Just watch out for the annual fee of $99.

Best for earning accelerated cash back: Scotia Momentum Visa Infinite Card

The Scotia Momentum Visa Infinite Card offers a 4% cash back return on groceries and recurring bill payments, 2% cash back for all gas and daily transit purchases and 1% for everything else.

This card comes with an annual fee of $120 but it’s waived in the first year.

Contender for earning rewards points: Scotiabank Gold American Express Card

With a fresh new look, the Scotiabank Gold American Express Card is a powerful everyday credit card as well as a strong travel companion. With a signup bonus of 30,000 points, earn 5x the points on your everyday eating and drinking expenses, and 3x the points on gas and daily transit costs. You’ll also earn 1x the points on everything else, which means no matter what you buy on a daily basis, you’ll rack up points regardless of the spending category.

When it comes to travel, enjoy no foreign transaction fees, complimentary airport lounge access, access to a 24/7 concierge service and a comprehensive suite of travel insurance.

Compare more rewards credit cards

Compare the features and earn rates of more rewards credit cards below.

Air Miles and Aeroplan Miles credit cards

These cards can help you monetize your everyday spending to earn miles, which you can use towards flights, accommodation, car rentals and other travel-related perks. Check out our available Air Miles and Aeroplan Miles cards below.

Name Product Welcome Offer Reward Purchase Interest Rate Cash Advance Rate Annual Fee
Get up to 3,000 AIR MILES Bonus Miles with minimum spend of $3,000 in the first three months, plus a first year annual fee waiver. Ends 31 October 2019.
Earn 1 mile per $10 spend in purchases.
19.99%
22.99%
$0 annual fee for the first year ($120 thereafter)
Get up to 3,000 AIR MILES Bonus Miles with minimum spend of $3,000 in the first three months, plus a first year annual fee waiver. Ends 31 October 2019.
Receive 2,000 bonus AIR MILES® when you spend $1,500 within the first three months of membership.
Offers 1.99% balance transfer rate in the first 6 months. No balance transfer fee upon application.
19.99%
22.99%
$65
Offers 1.99% balance transfer rate in the first 6 months. No balance transfer fee upon application.
Receive 40,000 bonus Aeroplan Miles after spending $3,000 in the first three months of card membership.
You can also earn an additional $150 Air Canada eGift Card after spending a total of $6,000 in purchases within the first six months of card membership.
Get free annual partner ticket and unlimited access to Air Canada Maple Leaf Lounges as well as Air Canada priority check-in.
N/A
N/A
$499
Get free annual partner ticket and unlimited access to Air Canada Maple Leaf Lounges as well as Air Canada priority check-in.
Offers 5,000 Bonus Aeroplan Miles when you spend $500 in the first three months of membership. For new cardmembers only.
Earn 1 Aeroplan Mile for every dollar spent. Double your miles on purchases at over 150 Aeroplan partner brands.
N/A
N/A
$60
Earn 1 Aeroplan Mile for every dollar spent. Double your miles on purchases at over 150 Aeroplan partner brands.
Get up to 25,000 Aeroplan Miles (equivalent to 1 long-haul roundtrip flight reward) and pay no annual fee for the first year. Conditions apply. Ends 1 December 2019.
Earn 1 Aeroplan Mile for every $1 spent on eligible grocery, gas and drugstore purchases and 1 mile for every $1.50 spent on other purchases.
19.99%
22.99%
$89
Earn 1 Aeroplan Mile for every $1 spent on eligible grocery, gas and drugstore purchases and 1 mile for every $1.50 spent on other purchases.
Get up to 60,000 Aeroplan Miles (equivalent to 2 business class short-haul roundtrip flight rewards) Conditions apply. Ends 1 December 2019.
Get 1.5 miles for every $1 spent on eligible grocery, gas, drugstore and Air Canada purchases and 1.25 miles for every $1 spent elsewhere.
19.99%
22.99%
$399
Get 1.5 miles for every $1 spent on eligible grocery, gas, drugstore and Air Canada purchases and 1.25 miles for every $1 spent elsewhere.
Get up to 40,000 Aeroplan Miles and pay no Annual Fee for the first year. Conditions apply. Ends 1 December 2019.
Earn 1.5 miles for every $1 spent on eligible grocery, gas, drugstore and aircanada.com purchases and 1 mile for every $1 spent elsewhere. T&C's apply.
19.99%
22.99%
$120
Apply by December 1, 2019 to get an Annual Fee Rebate for the Primary Cardholder for the first year and earn up to 40,000 Aeroplan Miles (equivalent to 2 premium economy short-haul roundtrip flight rewards).
Get up to 800 bonus AIR MILES reward miles with minimum spend of $1,000 in the first three months. Ends 31 October 2019.
Earn 2x AIR MILES reward miles per $20 spent at eligible partners and 1 mile per $20 spent for all other purchases.
19.99%
22.99%
$0
Get up to 800 bonus AIR MILES reward miles with minimum spend of $1,000 in the first three months. Ends 31 October 2019.
Get up to 800 bonus AIR MILES reward miles with minimum spend of $1,000 in the first three months. Ends 31 October 2019.
Earn 2x AIR MILES reward miles per $20 spent at Sobeys stores and 1 miles for all other purchases.
19.99%
22.99%
$0
Get up to 800 bonus AIR MILES reward miles with minimum spend of $1,000 in the first three months. Ends 31 October 2019.
Offers 2,000 bonus AIR MILES® when you spend $5,000 within the first 3 months of membership.
Earn 1 AIR MILES® for every $10 spent at eligible AIR MILES® Partners* and 1 mile for every $15 spent anywhere else
N/A
N/A
$180
Earn 1 AIR MILES® for every $10 spent at eligible AIR MILES® Partners* and 1 mile for every $15 spent anywhere else.

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Rewards points credit cards

With rewards points cards, you can earn points for every $1 spent on eligible purchases and redeem them for a range of rewards such as flights, travel discounts, statement credit, merchandise and more. Check out our available rewards points cards below.

Name Product Bonus Points Rewards Program Rewards Purchase Interest Rate Cash Advance Rate Annual Fee
30,000
Membership Rewards
5x points per $1 spent on eligible grocery, restaurants, bars, cafés, food delivery, 2x points on transit, gas, travel purchases, and 1 point on all other spend.
19.99%
22.99%
$120
Earn 5x the points on eligible eats and drinks, including groceries and food delivery, 2x points on transit, gas, travel purchases, and 1 point on all other spend.
35,000
BMO Rewards
3 BMO Rewards points per $1 spent on dining, travel and entertainment purchases
19.99%
22.99%
$0 annual fee for the first year ($150 thereafter)
Offers 35,000 BMO Rewards bonus points upon minimum spend of $3,000 in the first three months of card membership. Ends 31 October 2019.
25,000
Scotia Rewards
Visa Infinite
2x points per $1 spent on grocery stores, dining, entertainment and daily transit, 1 point on all other spend
19.99%
22.99%
$139
Earn 2 Scotia Rewards points per $1 spent on eligible grocery stores, dining, entertainment purchases, and daily transit. Earn 1 Scotia Rewards points per $1 spent on all other eligible purchases. Plus, an extra 10,000 points with a min. annual spend of $40,000 on your card.
90,000
Visa Infinite
TD Rewards
Earn 9 TD Points per $1 in travel booked online through Expedia for TD, and 3 points/$1 spent elsewhere.
19.99%
22.99%
$120
Apply by December 1, 2019 to get an Annual Fee Rebate for the Primary Cardholder for the first year and earn up to 90,000 TD Points (a travel value of $450 when you book travel purchases through ExpediaForTD.com).
2,500
SCENE
5x points per $1 spent at Cineplex theatres or at cineplex.com, 1 point on all other spend
19.99%
22.99%
$0
Save with no annual fee and earn 1 SCENE point for every $1 spent on all purchases.
20,000
BMO Rewards
1 BMO Rewards point for every $1 spent and 2 points per $1 spent at eligible car rental locations
19.99%
22.99%
$0
Offers a 1.99% balance transfer intro rate for the first nine months to new cardmembers.
50,000
Membership Rewards
3x points per $1 spent on eligible dining, 2x points on eligible travel purchases and 1 point on all other spend
N/A
N/A
$699
Earn 3 Membership Rewards points for every $1 spent on eligible dining, 2 points on eligible travel purchases and 1 point on all other spend.
30,000
Scotia Rewards
4x points per $1 spent at grocery stores, gas stations, dining and entertainment purchases, 1 point on all other spend
19.99%
22.99%
$399
Earn 4x Scotia Rewards points per $1 spent at grocery stores, gas stations, dining and entertainment purchases.
25,000
Membership Rewards
2x Membership Rewards points per $1 spent on eligible travel, gas, grocery and drug store purchases ,1 point on all other spend
N/A
N/A
$150
Earn 2 Membership Rewards points for every $1 spent on eligible travel, gas, grocery and drug store purchases and 1 point for every $1 spent elsewhere.
5,000
Scotia Rewards
1 point per $1 spent on all purchases
19.99%
22.99%
$0
Earn 1 Scotia Rewards point per $1 spent on eligible purchases.

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Cash back credit cards

Cash back cards offer you the opportunity to earn a certain percentage from each transaction back in cash. Check out our available cash back cards below.

Name Product Welcome Offer Purchase Interest Rate Cash Advance Rate Cash Back Rate Annual Fee
Receive 5% cashback (up to $300 cashback) in the first six months.
19.99%
22.99%
2%
$99
Offers 1.99% balance transfer rate in the first 6 months to new cardmembers. No balance transfer fee upon application.
Earn 2.5% cash back (up to $150 cash back) in the first three months.
19.99%
22.99%
1.25%
$0
Offers 1.99% balance transfer rate in the first 6 months. No balance transfer fee upon application.
First year annual fee waived for new cardholders. Ends 31 October 2019.

20.99%
22.99%
4%
$0 annual fee for the first year ($120 thereafter)
Save with no annual fee for the first year. Ends 31 October 2019.
Receive a 7.99% introductory interest rate on all spend for the first six months. Ends 31 October 2019.
7.99% intro APR for the first 6 months, 19.99% thereafter
22.99%
1%
$0
Get 1% cash back on payments made at gas stations, grocery stores and pharmacies, including recurring payments.
Offers a 7.99% introductory interest rate on all spend for the first 6 months. Ends 31 October 2019.
7.99% intro APR for the first 6 months, 19.99% thereafter
22.99%
1%
$0
Receive 1% cash back on payments made at petrol stations, supermarkets, pharmacies and recurring bill payments.
Offers a 2.99% introductory balance transfer rate for the first 6 months. Ends 31 October 2019.
19.99%
22.99%
2%
$39
2% cash back on eligible gas stations, grocery and drug store purchases including recurring payments. T&C's apply.
Get 1.95% interest rate on balance transfers for the first six months. Valid within the first 30 days of account opening.
19.95%
19.95%
2%
$0
Earn 4% Money-Back Rewards in three categories of your choice such as groceries, dining, petrol and more. Ends 31 October 2019.
Earn 10% cash back on all purchases for the first 3 months (up to a total spend of $2,000). Ends 1 December 2019.
20.99%
22.99%
3%
$0 annual fee for the first year ($120 thereafter)
Get 3% cash back on eligible groceries, gas and bill payments and 1% cash back on all other purchases.
N/A
19.99%
22.99%
1%
$0
Earn 1% in cash back on eligible groceries, gas, and bill payments and 0.5% in cash back on all other purchases.
Get $50 limited bonus cash back upon first spend. Ends 31 October 2019.
19.99%
22.99%
1.5%
$0
Get $50 limited bonus cash back upon first spend. Ends 31 October 2019.

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Grocery credit cards

With a grocery card, you can earn cash back and extra rewards when you purchase your everyday groceries. Check out our available grocery cards below.

Name Product Welcome Offer Reward Purchase Interest Rate Cash Advance Rate Annual Fee
Earn 2,500 points with minimum spend of $500 for each billing period. Up to 30,000 bonus points in your first year.
Earn 5x points on eligible eats and drinks, including groceries and food delivery, 2x points on transit, gas, travel purchases, and 1 point on all other spend.
19.99%
22.99%
$120
Earn 5x the points on eligible eats and drinks, including groceries and food delivery, 2x points on transit, gas, travel purchases, and 1 point on all other spend.
Get up to 40,000 Aeroplan Miles and pay no Annual Fee for the first year. Conditions apply. Ends 1 December 2019.
Earn 1.5 miles for every $1 spent on eligible grocery, gas, drugstore and aircanada.com purchases and 1 mile for every $1 spent elsewhere. T&C's apply.
19.99%
22.99%
$120
Apply by December 1, 2019 to get an Annual Fee Rebate for the Primary Cardholder for the first year and earn up to 40,000 Aeroplan Miles (equivalent to 2 premium economy short-haul roundtrip flight rewards).
Earn up to 35,000 bonus Scotia Rewards points in your first year of card membership.
Earn 2 Scotia Rewards points per $1 spent on eligible grocery stores, dining, entertainment purchases, and daily transit. Earn 1 Scotia Rewards points per $1 spent on all other eligible purchases.
19.99%
22.99%
$139
Earn 2 Scotia Rewards points per $1 spent on eligible grocery stores, dining, entertainment purchases, and daily transit. Earn 1 Scotia Rewards points per $1 spent on all other eligible purchases. Plus, an extra 10,000 points with a min. annual spend of $40,000 on your card.
Offers a 7.99% introductory interest rate on all spend for the first 6 months. Ends 31 October 2019.
Receive 1% cash back on payments made at petrol stations, supermarkets, pharmacies and recurring bill payments.
7.99% intro APR for the first 6 months, 19.99% thereafter
22.99%
$0
Receive 1% cash back on payments made at petrol stations, supermarkets, pharmacies and recurring bill payments.
Receive 2,000 bonus AIR MILES® when you spend $1,500 within the first three months of membership.
Offers 1.99% balance transfer rate in the first 6 months. No balance transfer fee upon application.
19.99%
22.99%
$65
Offers 1.99% balance transfer rate in the first 6 months. No balance transfer fee upon application.
Get 1.95% interest rate on balance transfers for the first six months. Valid within the first 30 days of account opening.
Earn 4% Money-Back Rewards in three categories of your choice such as groceries, dining, petrol and more. Ends 31 October 2019.
19.95%
19.95%
$0
Earn 4% Money-Back Rewards in three categories of your choice such as groceries, dining, petrol and more. Ends 31 October 2019.
Get up to 800 bonus AIR MILES reward miles with minimum spend of $1,000 in the first three months.
Earn 2x AIR MILES reward miles per $20 spent at eligible partners and IGA stores and 1 miles for all other purchases.
19.99%
22.99%
$0
Get up to 800 bonus AIR MILES reward miles with minimum spend of $1,000 in the first three months.
First year annual fee waived for new cardholders. Ends 31 October 2019.

Earn 4% cash back per $1 spent on groceries & recurring bill payments, 2% per $1 spent on gas & public transit and 1% per $1 spent on all other spend.
20.99%
22.99%
$0 annual fee for the first year ($120 thereafter)
Save with no annual fee for the first year. Ends 31 October 2019.
Receive 30,000 bonus Scotia Rewards points upon first eligible purchase within the first two months. Ends 31 October 2019.
Earn 4x Scotia Rewards points per $1 spent at grocery stores, gas stations, dining and entertainment purchases.
19.99%
22.99%
$399
Earn 4x Scotia Rewards points per $1 spent at grocery stores, gas stations, dining and entertainment purchases.
Receive 2,400 AIR MILES® when you spend $3,000 within first three months of membership.
1.99% balance transfer offer in the first 6 months. No balance transfer fee upon application
19.99%
22.99%
$299
Offers 1.99% balance transfer rate in the first 6 months. No balance transfer fee upon application.

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Gas credit cards

Gas rewards cards give generous discounts for spending on fuel and earn you points or cash back whenever you make purchases at eligible gas stations. Check out available gas cards below.

Name Product Welcome Offer Reward Purchase Interest Rate Cash Advance Rate Annual Fee
Earn 2,500 points with minimum spend of $500 for each billing period. Up to 30,000 bonus points in your first year.
Earn 5x points on eligible eats and drinks, including groceries and food delivery, 2x points on transit, gas, travel purchases, and 1 point on all other spend.
19.99%
22.99%
$120
Earn 5x the points on eligible eats and drinks, including groceries and food delivery, 2x points on transit, gas, travel purchases, and 1 point on all other spend.
Get up to 40,000 Aeroplan Miles and pay no Annual Fee for the first year. Conditions apply. Ends 1 December 2019.
Earn 1.5 miles for every $1 spent on eligible grocery, gas, drugstore and aircanada.com purchases and 1 mile for every $1 spent elsewhere. T&C's apply.
19.99%
22.99%
$120
Apply by December 1, 2019 to get an Annual Fee Rebate for the Primary Cardholder for the first year and earn up to 40,000 Aeroplan Miles (equivalent to 2 premium economy short-haul roundtrip flight rewards).
Offers a 7.99% introductory interest rate on all spend for the first 6 months. Ends 31 October 2019.
Receive 1% cash back on payments made at petrol stations, supermarkets, pharmacies and recurring bill payments.
7.99% intro APR for the first 6 months, 19.99% thereafter
22.99%
$0
Receive 1% cash back on payments made at petrol stations, supermarkets, pharmacies and recurring bill payments.
Receive 2,000 bonus AIR MILES® when you spend $1,500 within the first three months of membership.
Offers 1.99% balance transfer rate in the first 6 months. No balance transfer fee upon application.
19.99%
22.99%
$65
Offers 1.99% balance transfer rate in the first 6 months. No balance transfer fee upon application.
Get up to 800 bonus AIR MILES reward miles with minimum spend of $1,000 in the first three months. Ends 31 October 2019.
Earn 2x AIR MILES reward miles per $20 spent at eligible partners and 1 mile per $20 spent for all other purchases.
19.99%
22.99%
$0
Get up to 800 bonus AIR MILES reward miles with minimum spend of $1,000 in the first three months. Ends 31 October 2019.
N/A
Earn 1.25 AIR MILES reward miles at Shell stations in Canada.
19.99%
22.99%
$99
Earn 1.25x Miles on card purchases at participating Shell stations in Canada.
Get 1.95% interest rate on balance transfers for the first six months. Valid within the first 30 days of account opening.
Earn 4% Money-Back Rewards in three categories of your choice such as groceries, dining, petrol and more. Ends 31 October 2019.
19.95%
19.95%
$0
Earn 4% Money-Back Rewards in three categories of your choice such as groceries, dining, petrol and more. Ends 31 October 2019.
Get $50 limited bonus cash back upon first spend. Ends 31 October 2019.
Earn 1.5% cash back per $1 spent at Shell stations in Canada
19.99%
22.99%
$0
Get $50 limited bonus cash back upon first spend. Ends 31 October 2019.
Get up to 800 bonus AIR MILES reward miles with minimum spend of $1,000 in the first three months.
Earn 2x AIR MILES reward miles per $20 spent at eligible partners and IGA stores and 1 miles for all other purchases.
19.99%
22.99%
$0
Get up to 800 bonus AIR MILES reward miles with minimum spend of $1,000 in the first three months.
First year annual fee waived for new cardholders. Ends 31 October 2019.

Earn 4% cash back per $1 spent on groceries & recurring bill payments, 2% per $1 spent on gas & public transit and 1% per $1 spent on all other spend.
20.99%
22.99%
$0 annual fee for the first year ($120 thereafter)
Save with no annual fee for the first year. Ends 31 October 2019.

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Car rental credit cards

Get peace of mind on the road when you rent a car using your credit card that offers comprehensive insurance coverage. Check out available car rental cards below.

Name Product Purchase Interest Rate Cash Advance Rate Annual Fee Car Rental Perks
19.99%
22.99%
$99
Complimentary Car Rental Theft and Damage Insurance (MSRP of up to $85,000)
Earn up to 42,000 Membership Rewards® points in the first year of card approval.
19.99%
22.99%
$120
Complimentary Car Rental Theft and Damage Insurance (MSRP of up to $85,000)
Earn 5x the points on eligible eats and drinks, including groceries and food delivery, 2x points on transit, gas, travel purchases, and 1 point on all other spend.
19.99%
22.99%
$120
Get discounted rates at Avis and Budget car rental services with Auto Rental Collision/Loss Damage Insurance.
Apply by December 1, 2019 to get an Annual Fee Rebate for the Primary Cardholder for the first year and earn up to 40,000 Aeroplan Miles (equivalent to 2 premium economy short-haul roundtrip flight rewards).
19.99%
22.99%
$0 annual fee for the first year ($150 thereafter)
Complimentary Collision Damage Waiver benefits (MSRP of up to $65,000).
Offers 35,000 BMO Rewards bonus points upon minimum spend of $3,000 in the first three months of card membership. Ends 31 October 2019.
19.99%
22.99%
$139
Up to 25% car rental discount + complimentary upgrades for Avis® Preferred Plus members at participating Avis locations in Canada and the US, Rental Car Collision/Loss Damage Insurance coverage (up to $65,000)
Earn 2 Scotia Rewards points per $1 spent on eligible grocery stores, dining, entertainment purchases, and daily transit. Earn 1 Scotia Rewards points per $1 spent on all other eligible purchases. Plus, an extra 10,000 points with a min. annual spend of $40,000 on your card.
19.99%
22.99%
$120
Up to 10% rental discount at participating Avis and Budget locations in Canada and the US, 5% discount overseas. Plus, complimentary Auto Rental Collision/Loss Damage Insurance (MSRP of up to $65,000).
Apply by December 1, 2019 to get an Annual Fee Rebate for the Primary Cardholder for the first year and earn up to 90,000 TD Points (a travel value of $450 when you book travel purchases through ExpediaForTD.com).
19.99%
22.99%
$99
Complimentary Car Rental Theft and Damage Insurance (MSRP of up to $85,000)
Offers 1.99% balance transfer rate in the first 6 months to new cardmembers. No balance transfer fee upon application.
19.99%
22.99%
$0 annual fee for the first year ($120 thereafter)
Up to 25% discount at National Car Rental® and Alamo Rent A Car® locations with complimentary Collision Damage Waiver benefits (MSRP of up to $65,000).
Get 5% cash back in the first three months of card membership with a first year annual fee waiver. Ends 30 November 2019.
7.99% intro APR for the first 6 months, 19.99% thereafter
22.99%
$0
Up to 25% discount at participating Budget and AVIS car rental locations in Canada and the US
Receive 1% cash back on payments made at petrol stations, supermarkets, pharmacies and recurring bill payments.
19.99%
22.99%
$65
Complimentary Car Rental Theft and Damage Insurance (MSRP of up to $85,000)
Offers 1.99% balance transfer rate in the first 6 months. No balance transfer fee upon application.

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Online shopping credit cards

Shopping cards offer rewards for those who shop frequently including low APRs and no foreign transaction fees. Check out our available shopping cards below.

Name Product Welcome Offer Reward Purchase Interest Rate Cash Advance Rate Annual Fee
Get 5% cash back in the first three months of card membership with first year annual fee waiver. Ends 30 November 2019.
Earn 1.5% cash back on all purchases. No cap and no limit.
19.99%
22.99%
$0 annual fee for the first year ($120 thereafter)
Get 5% cash back in the first three months of card membership with a first year annual fee waiver. Ends 30 November 2019.
Get 2,500 bonus SCENE points with min. spend of $500 in the first three months. Ends 31 October 2019.
Earn 1 SCENE point per $1 spent on all purchases, plus 5 SCENE points for every $1 spent at Cineplex Entertainment theatres or cineplex.com.
19.99%
22.99%
$0
Save with no annual fee and earn 1 SCENE point for every $1 spent on all purchases.
Get 5% cash back with minimum spend of $2,000 in the first three months of card membership. Ends 30 November 2019.
Earn 1% cash back on all other purchases. No caps, no limit.
19.99%
22.99%
$0
Offers a 1.99% balance transfer intro rate for nine months to new cardmembers.
N/A
Get 3% cash back per $1 spent at Shells stations, 1.25% cash back on all other spend
19.99%
22.99%
$79
Earn 3% cash back at Shell stations in Canada, plus 1.25% cash back on all other spend.
Waived annual fee for the first year of card membership. Ends 31 October 2019.
Get up to 5% in GM Earnings upon initial spend of $10,000 in the first year and 2% subsequently
19.99%
22.99%
$0 annual fee for the first year ($79 thereafter)
Get up to 5% in GM Earnings upon initial spend of $10,000 in the first year and 2% subsequently.
Get up to 5% cash back with minimum spend of $2,000 in the first three months of card membership. Ends 30 November 2019.
Earn 1% cash back on all other purchases. No caps, no limit.
19.99%
22.99%
$0
Enjoy cash back on your every dollar spent and build a healthy credit history.

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Dining credit cards

Dining cards offer a higher rate of cash back or rewards points when dining out, as well as discounts, preferential bookings and/or special events at exclusive restaurants. Check out our available dining cards below.

Name Product Welcome Offer Reward Purchase Interest Rate Cash Advance Rate Annual Fee
Earn 2,500 points with minimum spend of $500 for each billing period. Up to 30,000 bonus points in your first year.
Earn 5x points on eligible eats and drinks, including groceries and food delivery, 2x points on transit, gas, travel purchases, and 1 point on all other spend.
19.99%
22.99%
$120
Earn 5x the points on eligible eats and drinks, including groceries and food delivery, 2x points on transit, gas, travel purchases, and 1 point on all other spend.
Offers 35,000 BMO Rewards bonus points with minimum spend of $3,000 in the first three months of card membership. Ends 31 October 2019.
Earn 3 BMO Rewards points per $1 spent on dining, travel and entertainment purchases.
19.99%
22.99%
$0 annual fee for the first year ($150 thereafter)
Offers 35,000 BMO Rewards bonus points upon minimum spend of $3,000 in the first three months of card membership. Ends 31 October 2019.
Earn up to 35,000 bonus Scotia Rewards points in your first year of card membership.
Earn 2 Scotia Rewards points per $1 spent on eligible grocery stores, dining, entertainment purchases, and daily transit. Earn 1 Scotia Rewards points per $1 spent on all other eligible purchases.
19.99%
22.99%
$139
Earn 2 Scotia Rewards points per $1 spent on eligible grocery stores, dining, entertainment purchases, and daily transit. Earn 1 Scotia Rewards points per $1 spent on all other eligible purchases. Plus, an extra 10,000 points with a min. annual spend of $40,000 on your card.
Get 1.95% interest rate on balance transfers for the first six months. Valid within the first 30 days of account opening.
Earn 4% Money-Back Rewards in three categories of your choice such as groceries, dining, petrol and more. Ends 31 October 2019.
19.95%
19.95%
$0
Earn 4% Money-Back Rewards in three categories of your choice such as groceries, dining, petrol and more. Ends 31 October 2019.
Receive 50,000 bonus Membership Rewards points when you spend $3,000 within the first three months of membership.
Earn 3 Membership Rewards points for every $1 spent on eligible dining, 2 points on eligible travel purchases and 1 point on all other spend
N/A
N/A
$699
Earn 3 Membership Rewards points for every $1 spent on eligible dining, 2 points on eligible travel purchases and 1 point on all other spend.
Receive 30,000 bonus Scotia Rewards points upon first eligible purchase within the first two months. Ends 31 October 2019.
Earn 4x Scotia Rewards points per $1 spent at grocery stores, gas stations, dining and entertainment purchases.
19.99%
22.99%
$399
Earn 4x Scotia Rewards points per $1 spent at grocery stores, gas stations, dining and entertainment purchases.
Get up to 30,000 bonus Scotia Rewards points in your first year of card membership (up to $300 in rewards). Ends 30 December 2019.
Earn 5 Scotia Rewards points per $1 spent on groceries, dining and entertainment, 3 points on gas, transportation and streaming services, and 1 point on every other purchase.
19.99%
22.99%
$120
Earn 5 Scotia Rewards points per $1 spent on groceries, dining and entertainment, 3 points on gas, transportation and streaming services.