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Best rewards credit cards

Earn points back on your purchases with cash back, customer loyalty, travel, merchandise and gas rewards cards.

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 points. We’ve researched all rewards types offered by credit card providers in Canada, to help you narrow down the right fit for you.

Compare some of the best rewards credit cards

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

Air miles credit cards

Air miles cards can help you monetise your everyday spending to earn points and miles, which you can use towards flights, accommodation and more. Check out our available miles cards below.

Name Product Welcome Offer Purchase Interest Rate Cash Advance Rate Annual Fee
BMO® AIR MILES®† World Elite®* MasterCard®*
BMO® AIR MILES®† World Elite®* MasterCard®*
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.
19.99%
22.99%
$0 annual fee for the first year ($120 thereafter)
Get a 3¢ discount per litre at participating Shell stations. Ends 31 October 2019.
Receive 2,000 bonus AIR MILES® Reward miles when you spend $1,500 within the first three months of membership.
19.99%
22.99%
$65
Offers 1.99% balance transfer rate in the first 6 months. No balance transfer fee upon application.
Offers 40,000 bonus Aeroplan Miles when you spend $3,000 within the first three months.
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.
N/A
N/A
$60
Earn 1 Aeroplan Mile for every dollar spent. Double your miles on purchases at over 150 Aeroplan partner brands.
Shell AIR MILES MasterCard from BMO
Shell AIR MILES MasterCard from BMO
Get up to 800 bonus AIR MILES reward miles with minimum spend of $1,000 in the first three months. Ends 31 October 2019.
19.99%
22.99%
$0
Get 3¢ discount per litre at participating Shell stations. Ends 31 October 2019.
BMO® Sobeys AIR MILES®† MasterCard®*
BMO® Sobeys AIR MILES®† MasterCard®*
Get up to 800 bonus AIR MILES reward miles with minimum spend of $1,000 in the first three months. Ends 31 October 2019.
19.99%
22.99%
$0
Get 3¢ discount per litre at participating Shell stations. Ends 31 October 2019.
Offers 2,000 bonus AIR MILES® Reward miles when you spend $5,000 within the first 3 months of membership.
N/A
N/A
$180
Earn 1 AIR MILES® reward mile for every $10 spent at eligible sponsors and 1 mile for every $15 spent anywhere else.
Shell AIR MILES World MasterCard from BMO
Shell AIR MILES World MasterCard from BMO
Get 3¢ discount per litre at participating Shell stations. Ends 31 October 2019.
19.99%
22.99%
$99
Earn 1.25x Miles on card purchases at participating Shell stations in Canada.
Receive 2,400 AIR MILES® Reward Miles when you spend $3,000 within first three months of membership.
19.99%
22.99%
$299
Offers 1.99% balance transfer rate in the first 6 months. No balance transfer fee upon application.
BMO® AIR MILES®† MasterCard®*
BMO® AIR MILES®† MasterCard®*
Earn up to 800 AIR MILES bonus miles with minimum spend of $1,000 in the first three months. Ends 31 October 2019.
19.99%
22.99%
$0
Get 3¢ discount per litre at participating Shell stations. Ends 31 October 2019.
Offers 150 AIR MILES® Reward Miles when you spend $1,000 within the first 3 months of membership.
19.99%
22.99%
$0
Earn 1 mile for every $15 you spend at official sponsors and 1 mile for every $20 you spend anywhere else.
Offers 15,000 bonus Aeroplan Miles when you spend $1,500 within your first 3 months of membership.
N/A
N/A
$120
Earn 1 Aeroplan Mile for every dollar you spend up to $10,000 and 1.25 Aeroplan Miles for every dollar spent over $10,000 per year.
Offers 50,000 bonus Aeroplan Miles when you spend $3,000 within the first three months of membership.
19.99%
22.99%
$899
Receive a bonus $200 in annual travel credit to use towards flights, car rentals, hotels and more.
BMO® IGA AIR MILES®† MasterCard®*
BMO® IGA AIR MILES®† MasterCard®*
Get up to 800 bonus AIR MILES reward miles with minimum spend of $1,000 in the first three months.
19.99%
22.99%
$0
Get a 3¢ discount per litre at participating Shell stations. Ends 31 October 2019.

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Rewards points credit cards

With rewards points cards you can earn points on eligible purchases and redeem them for a range of rewards. Check out our available 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 dining, 2x points on travel and transit and 1 point on other spend
19.99%
22.99%
$120
Earn 5x points per $1 spent on eligible dining transactions, 2x points on travel and 1 point on all other spend.
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 purchases. Plus, an extra 10,000 points with a min. annual spend of $40,000 on your card.
BMO® World Elite™* MasterCard®*
BMO® World Elite™* MasterCard®*
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.
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.
BMO Rewards® MasterCard
BMO Rewards® MasterCard
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.
50,000
Marriott Bonvoy™
5 points per $1 spent at participating Marriott properties, 2 points on all other spend
19.99%
22.99%
$120
Receive 5 Marriott Bonvoy™ points per dollar spent on eligible purchases at participating Marriott Bonvoy™ properties and 2 points on all other spend.
15,000
Scotia Rewards
4x points per $1 on the first $50,000 annual spend on eligible purchases (1 point thereafter)
19.99%
22.99%
$99
Earn 4 Scotia Rewards points per $1 on the first $50,000 spent annually on eligible purchases.
50,000
Marriott Bonvoy™
5 points per $1 spent at participating Marriott properties, 3 points on gas, dining and travel and 2 points on all other spend
19.99%
22.99%
$150
Receive 5 Marriott Bonvoy™ points per dollar spent on eligible purchases at participating Marriott Bonvoy™ properties, and 3 points for every dollar spent on eligible gas, dining and travel.
5,000
Scotia Rewards
1 point per $1 spent on all purchases
19.99%
22.99%
$110
Get 5% cash back on travel purchases via Scotia Rewards Travel Service and earn 1 Scotia Rewards point for every $1 spent on daily purchases.

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Cash back credit cards

Cash back cards offer you the opportunity to earn a certain percentage from each transaction to offset your next purchase. 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.

19.99%
22.99%
4%
$0 annual fee for the first year ($99 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 July 2019.
Shell CashBack MasterCard® from BMO
Shell CashBack MasterCard® from BMO
Get $50 limited bonus cash back upon first spend. Ends 31 October 2019.
19.99%
22.99%
1.5%
$0
Get 3¢ discount per litre at participating Shell stations. Ends 31 October 2019.
Waived annual fee for the first year of card membership. Ends 31 October 2019.
19.99%
22.99%
5%
$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.
BMO® CashBack® World Elite®* MasterCard®*
BMO® CashBack® World Elite®* MasterCard®*
Get 5% cash back in the first three months of card membership with first year annual fee waiver. Ends 30 November 2019.
19.99%
22.99%
1.5%
$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.
BMO® CashBack® MasterCard®*
BMO® CashBack® MasterCard®*
Get 5% cash back with minimum spend of $2,000 in the first three months of card membership. Ends 30 November 2019.
19.99%
22.99%
1%
$0
Offers a 1.99% balance transfer intro rate for nine months to new cardmembers.
Shell CashBack World MasterCard® from BMO
Shell CashBack World MasterCard® from BMO
Get a 3¢ discount per litre at participating Shell stations. Ends 31 October 2019.
19.99%
22.99%
3%
$79
Earn 3% cash back at Shell stations in Canada, plus 1.25% cash back on all other spend.
No available introductory offer.
17.99%
17.99%
5%
$0
Get up to 5% in GM Earnings on your initial spend of $5,000 in the first year.

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Grocery credit cards

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

Name Product Welcome Offer 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.
19.99%
22.99%
$120
Earn 5x points per $1 spent on eligible dining transactions, 2x points on travel and 1 point on all other spend.
Get 25,000 bonus Scotia Rewards points with min. spend of $1,000 in the first 3 months. Ends 31 October 2019.
19.99%
22.99%
$139
Earn 2 Scotia Rewards points per $1 spent on eligible purchases. Plus, an extra 10,000 points with a min. annual spend of $40,000 on your card.
Receive 2,000 bonus AIR MILES® Reward miles when you spend $1,500 within the first three months of membership.
19.99%
22.99%
$65
Offers 1.99% balance transfer rate in the first 6 months. No balance transfer fee upon application.
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%
$0
Receive 1% cash back on payments made at petrol stations, supermarkets, pharmacies and recurring bill payments.
BMO® IGA AIR MILES®† MasterCard®*
BMO® IGA AIR MILES®† MasterCard®*
Get up to 800 bonus AIR MILES reward miles with minimum spend of $1,000 in the first three months.
19.99%
22.99%
$0
Get a 3¢ discount per litre at participating Shell stations. Ends 31 October 2019.
First year annual fee waived for new cardholders. Ends 31 October 2019.

19.99%
22.99%
$0 annual fee for the first year ($99 thereafter)
Save with no annual fee for the first year. Ends 31 October 2019.
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%
$0
Earn 4% Money-Back Rewards in three categories of your choice such as groceries, dining, petrol and more. Ends 31 July 2019.
Receive 30,000 bonus Scotia Rewards points upon first eligible purchase within the first two months. Ends 31 October 2019.
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® Reward Miles when you spend $3,000 within first three months of membership.
19.99%
22.99%
$299
Offers 1.99% balance transfer rate in the first 6 months. No balance transfer fee upon application.
Receive 25,000 bonus Membership Rewards points when you spend $1,500 within the first three months of membership.
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.
Get 15,000 bonus Scotia Rewards points with min. spend of $1,000 within the first 3 months. Ends 31 July 2019.
19.99%
22.99%
$99
Earn 4 Scotia Rewards points per $1 on the first $50,000 spent annually on eligible purchases.
BMO® Sobeys AIR MILES®† MasterCard®*
BMO® Sobeys AIR MILES®† MasterCard®*
Get up to 800 bonus AIR MILES reward miles with minimum spend of $1,000 in the first three months. Ends 31 October 2019.
19.99%
22.99%
$0
Get 3¢ discount per litre at participating Shell stations. Ends 31 October 2019.
Offers a 2.99% introductory balance transfer rate for the first 6 months. Ends 31 October 2019.
19.99%
22.99%
$39
2% cash back on eligible gas stations, grocery and drug store purchases including recurring payments. T&C's apply.

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Gas credit cards

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

Name Product Welcome Offer Purchase Interest Rate Cash Advance Rate Annual Fee
Shell AIR MILES MasterCard from BMO
Shell AIR MILES MasterCard from BMO
Get up to 800 bonus AIR MILES reward miles with minimum spend of $1,000 in the first three months. Ends 31 October 2019.
19.99%
22.99%
$0
Get 3¢ discount per litre at participating Shell stations. Ends 31 October 2019.
Earn 2,500 points with minimum spend of $500 for each billing period. Up to 30,000 bonus points in your first year.
19.99%
22.99%
$120
Earn 5x points per $1 spent on eligible dining transactions, 2x points on travel and 1 point on all other spend.
Receive 2,000 bonus AIR MILES® Reward miles when you spend $1,500 within the first three months of membership.
19.99%
22.99%
$65
Offers 1.99% balance transfer rate in the first 6 months. No balance transfer fee upon application.
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%
$0
Receive 1% cash back on payments made at petrol stations, supermarkets, pharmacies and recurring bill payments.
Shell AIR MILES World MasterCard from BMO
Shell AIR MILES World MasterCard from BMO
Get 3¢ discount per litre at participating Shell stations. Ends 31 October 2019.
19.99%
22.99%
$99
Earn 1.25x Miles on card purchases at participating Shell stations in Canada.
Shell CashBack MasterCard® from BMO
Shell CashBack MasterCard® from BMO
Get $50 limited bonus cash back upon first spend. Ends 31 October 2019.
19.99%
22.99%
$0
Get 3¢ discount per litre at participating Shell stations. Ends 31 October 2019.
BMO® IGA AIR MILES®† MasterCard®*
BMO® IGA AIR MILES®† MasterCard®*
Get up to 800 bonus AIR MILES reward miles with minimum spend of $1,000 in the first three months.
19.99%
22.99%
$0
Get a 3¢ discount per litre at participating Shell stations. Ends 31 October 2019.
First year annual fee waived for new cardholders. Ends 31 October 2019.

19.99%
22.99%
$0 annual fee for the first year ($99 thereafter)
Save with no annual fee for the first year. Ends 31 October 2019.
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%
$0
Earn 4% Money-Back Rewards in three categories of your choice such as groceries, dining, petrol and more. Ends 31 July 2019.
Shell CashBack World MasterCard® from BMO
Shell CashBack World MasterCard® from BMO
Get a 3¢ discount per litre at participating Shell stations. Ends 31 October 2019.
19.99%
22.99%
$79
Earn 3% cash back at Shell stations in Canada, plus 1.25% cash back on all other spend.
Receive 30,000 bonus Scotia Rewards points upon first eligible purchase within the first two months. Ends 31 October 2019.
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® Reward Miles when you spend $3,000 within first three months of membership.
19.99%
22.99%
$299
Offers 1.99% balance transfer rate in the first 6 months. No balance transfer fee upon application.
Receive 25,000 bonus Membership Rewards points when you spend $1,500 within the first three months of membership.
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.
Get 15,000 bonus Scotia Rewards points with min. spend of $1,000 within the first 3 months. Ends 31 July 2019.
19.99%
22.99%
$99
Earn 4 Scotia Rewards points per $1 on the first $50,000 spent annually on eligible purchases.
BMO® Sobeys AIR MILES®† MasterCard®*
BMO® Sobeys AIR MILES®† MasterCard®*
Get up to 800 bonus AIR MILES reward miles with minimum spend of $1,000 in the first three months. Ends 31 October 2019.
19.99%
22.99%
$0
Get 3¢ discount per litre at participating Shell stations. Ends 31 October 2019.
Offers a 2.99% introductory balance transfer rate for the first 6 months. Ends 31 October 2019.
19.99%
22.99%
$39
2% cash back on eligible gas stations, grocery and drug store purchases including recurring payments. T&C's apply.

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Car rental credit cards

Get peace of mind on the road when you rent a car on your credit card with 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%
$120
Complimentary Car Rental Theft and Damage Insurance (MSRP of up to $85,000)
Earn 5x points per $1 spent on eligible dining transactions, 2x points on travel and 1 point on all other spend.
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 purchases. Plus, an extra 10,000 points with a min. annual spend of $40,000 on your card.
BMO® AIR MILES®† World Elite®* MasterCard®*
BMO® AIR MILES®† World Elite®* MasterCard®*
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 a 3¢ discount per litre at participating Shell stations. Ends 31 October 2019.
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.
BMO® World Elite™* MasterCard®*
BMO® World Elite™* MasterCard®*
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%
$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.
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.
BMO® CashBack® World Elite®* MasterCard®*
BMO® CashBack® World Elite®* MasterCard®*
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.
12.99%
12.99%
$29
Up to 25% discount at participating Budget and AVIS car rental locations in Canada and the US
Save on interest by consolidating your higher-rate balances and get a low 12.99% purchase interest rate.
Shell AIR MILES World MasterCard from BMO
Shell AIR MILES World MasterCard from BMO
19.99%
22.99%
$99
Complimentary coverage with Car Rental Collision Damage Waiver.
Earn 1.25x Miles on card purchases at participating Shell stations in Canada.
N/A
N/A
$60
Redeem Aeroplan Miles to book car rentals at participating AVIS and Hertz locations
Earn 1 Aeroplan Mile for every dollar spent. Double your miles on purchases at over 150 Aeroplan partner brands.
19.99%
22.99%
$0
Up to 25% discount at participating Budget and AVIS car rental locations in Canada and the US
Save with no annual fee and earn 1 SCENE point for every $1 spent on all purchases.
N/A
N/A
$499
Complimentary Car Rental Theft and Damage Insurance (MSRP of up to $85,000), redeem Aeroplan Miles to book car rentals at participating Avis and Hertz locations
Get free annual partner ticket and unlimited access to Air Canada Maple Leaf Lounges as well as Air Canada priority check-in.
BMO Rewards® MasterCard
BMO Rewards® MasterCard
19.99%
22.99%
$0
Up to 25% discount at National Car Rental® and Alamo Rent A Car® locations. Plus, earn 2 BMO Rewards points for every $1 spent.
Offers a 1.99% balance transfer intro rate for the first nine months to new cardmembers.
16.99%
16.99%
$0
Up to 25% discount at participating Budget and AVIS car rental locations in Canada and the US
Save with a low interest rate and no annual fee.

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Online shopping credit cards

Shopping cards offer unique rewards for those who shop frequently including rewards for spending at certain online stores, and exclusive discounts. Check out our available shopping cards below.

Name Product Welcome Offer Purchase Interest Rate Cash Advance Rate Annual Fee
BMO® CashBack® World Elite®* MasterCard®*
BMO® CashBack® World Elite®* MasterCard®*
Get 5% cash back in the first three months of card membership with first year annual fee waiver. Ends 30 November 2019.
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 upon min. spend of $500 in the first 3 months. Ends 31 October 2019.
19.99%
22.99%
$0
Save with no annual fee and earn 1 SCENE point for every $1 spent on all purchases.
BMO® CashBack® MasterCard®*
BMO® CashBack® MasterCard®*
Get 5% cash back with minimum spend of $2,000 in the first three months of card membership. Ends 30 November 2019.
19.99%
22.99%
$0
Offers a 1.99% balance transfer intro rate for nine months to new cardmembers.
Shell CashBack World MasterCard® from BMO
Shell CashBack World MasterCard® from BMO
Get a 3¢ discount per litre at participating Shell stations. Ends 31 October 2019.
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.
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.

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Dining credit cards

Dining cards offer dining discounts as well as preferential bookings or special events at exclusive restaurants. Check out our available dining cards below.

Name Product Welcome Offer 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.
19.99%
22.99%
$120
Earn 5x points per $1 spent on eligible dining transactions, 2x points on travel and 1 point on all other spend.
Get 25,000 bonus Scotia Rewards points with min. spend of $1,000 in the first 3 months. Ends 31 October 2019.
19.99%
22.99%
$139
Earn 2 Scotia Rewards points per $1 spent on eligible purchases. Plus, an extra 10,000 points with a min. annual spend of $40,000 on your card.
BMO® World Elite™* MasterCard®*
BMO® World Elite™* MasterCard®*
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.
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.
Receive 50,000 bonus Membership Rewards points when you spend $3,000 within the first three months of membership.
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.
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%
$0
Earn 4% Money-Back Rewards in three categories of your choice such as groceries, dining, petrol and more. Ends 31 July 2019.
Receive 30,000 bonus Scotia Rewards points upon first eligible purchase within the first two months. Ends 31 October 2019.
19.99%
22.99%
$399
Earn 4x Scotia Rewards points per $1 spent at grocery stores, gas stations, dining and entertainment purchases.
Get 15,000 bonus Scotia Rewards points with min. spend of $1,000 within the first 3 months. Ends 31 July 2019.
19.99%
22.99%
$99
Earn 4 Scotia Rewards points per $1 on the first $50,000 spent annually on eligible purchases.

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Hotel credit cards

With hotel cards you can earn points at hotels you stay at regularly that can then be redeemed for discounts and vouchers. Check out our available hotel cards below.

Name Product Welcome Offer Purchase Interest Rate Cash Advance Rate Annual Fee
Receive 50,000 bonus Marriott Bonvoy™ points when you charge $1,500 in the first three months of card membership.
19.99%
22.99%
$120
Receive 5 Marriott Bonvoy™ points per dollar spent on eligible purchases at participating Marriott Bonvoy™ properties and 2 points on all other spend.
Receive 50,000 Marriott Bonvoy™ points when you charge $1,500 in the first 3 months of card membership.
19.99%
22.99%
$150
Receive 5 Marriott Bonvoy™ points per dollar spent on eligible purchases at participating Marriott Bonvoy™ properties, and 3 points for every dollar spent on eligible gas, dining and travel.

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How do rewards cards work?

A rewards credit card typically accumulates a variable number of points for every dollar you spend. These points can be used to pay for everything from a new blender to a five-star resort vacation, depending on what your provider offers. Typically, the number of points you earn is converted to an equivalent dollar amount, but it’s not usually a 1:1 ratio. Instead, you might earn $1 in rewards for every 100 points you earn on your card.

Many rewards programs are flexible and allow you to redeem points for merchandise, gift cards, gas, travel, charitable donations and more. Others are more targeted, and limit you to earning and redeeming points in particular stores.

Types of rewards cards

There are many types of rewards cards which offer different benefits. Most cards offer a flat rate of points per dollar spent but some give you a higher number of points for specific purchases (like gas, groceries or dining out).

  • Cash back. Redeem points as cash to help pay off your credit card balance.
  • Travel rewards. Exchange points for discounts on flights, hotels and travel packages.
  • Customer loyalty. Shop at your favorite stores and get discounts on merchandise, membership fees and other goods and services.
  • Gas rewards. Pay at the pump and get targeted discounts and rebates on your next fuel-up.
  • Hybrid points. Get cash back or redeem flexible points for just about anything.

How to choose the best rewards card for you

When looking for a rewards card, consider the following factors:

  • Fee-free vs more rewards. Figure out whether your annual fee outweighs your return on rewards. If you don’t spend much on your card, it makes sense to opt for a fee-free card.
  • Targeted rewards. If you spend way more on some types of purchases (like groceries or gas), you should look for a targeted rewards program to maximize your points.
  • Rewards to dollar ratio. Figure out how much your rewards are worth and be sure to compare this to similar cards to get the best deal.
  • Comprehensive benefits. A good rule of thumb is to find a card that offers basic insurance (like purchase protection and extended warranty coverage) as well as extra benefits like travel insurance if you need them.

How to maximize your rewards

  • Consider paying an annual fee. For the most part, if you pay more for your annual fee, you’ll get a higher return on rewards.
  • Avoid rewards caps. Look for a provider that won’t limit the amount of money you can make back every year in rewards.
  • Sign up for targeted rewards. Find rewards programs targeted towards the types of purchases you make the most.
  • Look for a welcome bonus. You can earn additional points by signing up with a provider that offers a promo in your first few months.
  • Keep an eye on expiration dates. Your points may expire if you don’t use them within a certain time period, so make sure you know when you need to redeem them by.
  • Be mindful of excluded purchases. Some purchases aren’t eligible for rewards, so you should look into your rewards program to find out where you stand to earn the most.

 
Rewards cards offer general or targeted points that can be redeemed for cash back or to help pay for travel, merchandise and gas. Some rewards cards are fee-free and offer additional benefits like basic insurance (including price protection and extended warranty coverage) while others come with a fee, but offer more benefits and a higher return on points.

Frequently asked questions

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