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Best Visa credit cards

Earn rewards on your purchases or save money on interest.

Visa is one of the largest card networks accepted worldwide. Depending on the card issuer, you can get excellent Visa cards for travel, for earning cash back on everyday purchases or you can get a card with a long 0% intro APR period on balance transfers and purchases.

How we picked our best cards

We compared Visa credit cards and weighed in features like reward and travel points, low interest rates and APRs. We selected the cards that stood out from the competition that can suit a variety of lifestyles from travelers to students.

Best for earning Aeroplan Miles: TD Aeroplan Visa Infinite Card

TD Aeroplan Visa Infinite Card

The TD Aeroplan Visa Infinite Card is great if you’re an Aeroplan member and fly frequently with Air Canada. Earn 1.5 points for every $1 you spend on gas, groceries and Air Canada purchases, as well as 1 point on everything else. T&C's apply.

This card also comes with an attractive signup bonus for new cardholders. Earn 25,000 Aeroplan points and get a Bonus Buddy Pass. Plus, get the first year annual fee waived for the Primary and 1st additional cardholder. Earn a total value of $1,250 in the first year. Conditions Apply. Apply by March 6, 2022.

Best for low interest rate: TD Emerald Flex Rate Visa Card

TD Emerald Flex Rate Visa Card

The TD Emerald Flex Rate Visa Card is a unique credit card that offers a flexible and low APR that based on your own personal credit profile. With a higher credit score, you’ll likely be offered a lower APR, while a lower credit score will result in a higher APR. Interest rates are calculated by using the TD Prime¹ + 4.5% up to TD Prime + 12.75%.

Although this card can help you save money if you don’t pay off your balance in full each month, you won’t earn any rewards points or cash back.

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

Scotia Momentum Visa Infinite Card

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Earn 4% cash back for every $1 spent on eligible grocery purchases & recurring bill payments, 2% per $1 spent on eligible gas purchases & public transit, and 1% per $1 spent on all other eligible purchases.

With this card, you’ll get access to a comprehensive suite of travel insurance coverage. In addition, the annual fee is waived in the first year – a value of $120.

Best for students with no credit history: Scotiabank SCENE Visa Card

Scotiabank SCENE Visa Card

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If you’ve got no credit history and are looking for a rewards card with a $0 annual fee, the Scotiabank SCENE Visa Card is worth taking a look at – especially if you’re a big movie buff. Earn 5 Scene+ points per $1 spent at participating Cineplex theatres or cineplex.com, and earn 1 Scene+ point per $1 spent on eligible purchases elsewhere. Redeem your SCENE points for movie tickets or take advantage of discounts at participating restaurants.

Pay $0 to add a Supplemental Cardholder to your account. As an added incentive, the Scotiabank SCENE Visa Card offers a appealing signup bonus. Earn 5,000 bonus Scene+ points when you spend a minimum of $750 on eligible purchases in the first three months as a new SCENE Visa cardholder. Apply by February 28, 2022.

Compare more Visa credit cards

Name Product Welcome Offer Rewards Purchase Interest Rate Annual Fee Min. Credit Score Description
Scotiabank Value Visa Card
0.99% rate on balance transfers for 6 months
N/A
12.99%
$29
Min. recommended credit score: 660
Get a 0.99% introductory interest rate on balance transfers with a 0% transfer fee for the first 6 months. Apply by February 28, 2022.
Simplii Financial Cash Back Visa Card
10% cash back
Up to 4% cash back
9.99% intro APR for the first 6 months, 19.99% thereafter
$0
Min. recommended credit score: 650
Get 10% bonus cash back at eligible restaurants and bars for the first 4 months (up to $500 spend). Plus, get a 9.99% introductory annual interest rate on purchases for the first 6 months.
Scotia Momentum Visa Infinite Card
Fee rebate
Up to 4% cash back per $1 spent
20.99%
$0 annual fee for the first year ($120 thereafter)
Min. recommended credit score: 750
Pay no annual fee in the first year, including on supplementary cards. Apply by January 1, 2022.
Refresh Financial Secured Card
N/A
N/A
17.99%
$12.95
Min. recommended credit score: Any score
The Refresh Secured Card has no credit check, a low annual fee and guaranteed approval once you secure your card with anywhere from $200 - $10,000.
Home Trust Secured Visa (No Annual Fee)
N/A
N/A
19.99%
$0
Min. recommended credit score: Any score
The no annual fee Home Trust Secured card comes with a standard 19.99% purchase and cash advance rate. Apply with any credit score and start rebuilding your credit.
BMO eclipse Visa Infinite
40,000 points
Up to 5 points per $1 spent
20.99%
$0 annual fee for the first year ($120 thereafter)
Min. recommended credit score: 760
Get up to 40,000 points and the $120 annual fee waived in the first year.
BMO eclipse Visa Infinite Privilege
50,000 points
5 points per $1 spent
20.99%
$499
Min. recommended credit score: 760
Get up to 50,000 welcome points in your first year.
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Bottom line

As one of the largest credit card networks in the world, you’ll find a plethora of Visa credit cards to choose from. Some of these cards come with rewards on your purchases, others have low intro APR periods.

But if you’re not sure whether a Visa card is the right choice for you, compare other credit card options.

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