Compare Credit Cards for 2019

Compare rewards, low-interest, balance transfer, secured cards and more.

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Credit Card Masthead
Finder’s free service makes comparing credit cards simple. Someone new to the world of credit cards may find the varieties offered in the market mind-boggling. Here’s a comprehensive guide from Finder to help you navigate your choices and understand the features and fees that come with this convenient source of credit.
 

Compare cards by type*

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 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 up to 90,000 TD Points and pay no Annual Fee for the first year. Conditions apply. Ends 1 December 2019.
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).
Receive 5% cashback (up to $300 cashback) in the first six months.
Get 2% cashback on all purchases. No cap and no limit.
19.99%
22.99%
$99
Offers 1.99% balance transfer rate in the first 6 months to new cardmembers. No balance transfer fee upon application.
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.
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.
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.

Compare up to 4 providers

Name Product Welcome Offer Purchase Interest Rate Balance Transfer Rate Annual Fee Credit Rating
Offers a 0.99% introductory interest rate on balance transfers with 0% transfer fee for the first 6 months. Ends 31 October 2019.
12.99%
0.99% for the first 6 months (then 12.99%)
$29
650+ recommended credit score
Save on interest by consolidating your higher-rate balances and get a low 12.99% purchase interest rate.
Receive 5% cashback (up to $300 cashback) in the first six months.
19.99%
1.99% for the first 6 months (then 22.99%)
$99
Good, Excellent
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%
1.99% for the first 6 months (then 22.99%)
$0
Good, Excellent
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.
19.95%
1.95% for the first 6 months (then 19.95%)
$0
650+ recommended credit score
Earn 4% Money-Back Rewards in three categories of your choice such as groceries, dining, petrol and more. Ends 31 October 2019.
Offers a 3.99% balance transfer intro rate in the first nine months to new cardmembers.
12.99%
3.99% for the first 9 months (then 12.99%)
$20
Good
Offers a 3.99% balance transfer intro rate for nine months to new cardmembers.
Offers a 3.99% introductory interest rate on balance transfers with 0% transfer fee for the first 6 months. Ends 31 October 2019.
16.99%
3.99% for the first 6 months (then 16.99%)
$0
650+ recommended credit score
Save with a low interest rate and no annual fee.
Receive 2,000 bonus AIR MILES® when you spend $1,500 within the first three months of membership.
19.99%
1.99% for the first 6 months (then 22.99%)
$65
Good, Excellent
Offers 1.99% balance transfer rate in the first 6 months. No balance transfer fee upon application.
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%
1.99% for the first 9 months (then 22.99%)
$0
Good
Enjoy AIR MILES on your every dollar spent and build a healthy credit history.
Get up to 5% cash back with minimum spend of $2,000 in the first three months of card membership. Ends 30 November 2019.
19.99%
1.99% for the first 9 months (then 22.99%)
$0
Good
Enjoy cash back on your every dollar spent and build a healthy credit history.
Receive 2,400 AIR MILES® when you spend $3,000 within first three months of membership.
19.99%
1.99% for the first 6 months (then 22.99%)
$299
Good, Excellent
Offers 1.99% balance transfer rate in the first 6 months. No balance transfer fee upon application.

Compare up to 4 providers

Name Product Welcome Offer Reward Purchase Interest Rate Cash Advance Rate Annual Fee
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.
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.
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 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.
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.
Receive 5% cashback (up to $300 cashback) in the first six months.
Get 2% cashback on all purchases. No cap and no limit.
19.99%
22.99%
$99
Offers 1.99% balance transfer rate in the first 6 months to new cardmembers. No balance transfer fee upon application.
Get 5,000 bonus Scotia Rewards points upon min. spend of $500 on eligible purchases within the first 3 months. Ends 31 October 2019.
Earn 1 Scotia Rewards point per $1 spent on eligible purchases.
19.99%
22.99%
$0
Earn 1 Scotia Rewards point per $1 spent on eligible purchases.

Compare up to 4 providers

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.

Compare up to 4 providers

Name Product Welcome Offer Reward Purchase Interest Rate Cash Advance Rate Annual Fee
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.
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.
N/A
Earn 1% in cash back on eligible groceries, gas, and bill payments and 0.5% in cash back on all other purchases.
19.99%
22.99%
$0
Earn 1% in cash back on eligible groceries, gas, and bill payments and 0.5% in cash back on all other purchases.
Get 2x TD Rewards Points on all purchases up to a total of 10,000 TD Rewards Points when your account is active and in good standing for 90 days after account opening (excluding Quebec residents). Ends 1 December 2019.
Earn 3 TD Rewards Points per $1 spent on travel booking via ExpediaForTD.com, 2 points when you book via phone, 2 points on grocery dining and bill payments and 1 point on all other spend.
19.99%
22.99%
$0
Get 2x TD Rewards Points on all purchases up to a total of 10,000 TD Rewards Points when your account is active and in good standing for 90 days after account opening (excluding Quebec residents). Ends 1 December 2019.
Offers up to 20,000 BMO Rewards welcome points upon minimum spend of $1,000 in the first three months. Ends 31 October 2019.
Earn 1 BMO Rewards point for every $1 spent.
19.99%
22.99%
$0
Offers a 1.99% balance transfer intro rate for the first nine months to new cardmembers.
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 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.
No available introductory offer.
Get up to 5% in GM Earnings on your initial spend of $5,000 in the first year, and 2% thereafter
19.99%
22.99%
$0
Get up to 5% in GM Earnings on your initial spend of $5,000 in the first year.
Receive a 7.99% introductory interest rate on all spend for the first six months. Ends 31 October 2019.
Get 1% cash back on payments made at gas stations, grocery stores and pharmacies, including recurring payments, plus an additional 0.5% cash back on all other spend.
7.99% intro APR for the first 6 months, 19.99% thereafter
22.99%
$0
Get 1% cash back on payments made at gas stations, grocery stores and pharmacies, including recurring payments.

Compare up to 4 providers

Name Product Required Deposit Purchase Interest Rate Cash Advance Rate Annual Fee
$200 - $10,000
17.99%
N/A
$12.95
Take advantage of a low annual fee, with guaranteed approval and no credit check.

Compare up to 4 providers

*The products compared on this page are chosen from a range of offers available to us and are not representative of all the products available in the market. There is no perfect order or perfect ranking system for the products we list on our Site, so we provide you with the functionality to self-select, re-order and compare products. The initial display order is influenced by a range of factors including conversion rates, product costs and commercial arrangements, so please don't interpret the listing order as an endorsement or recommendation from us. We're happy to provide you with the tools you need to make better decisions, but we'd like you to make your own decisions and compare and assess products based on your own preferences, circumstances and needs.

American Express Cobalt Card

American Express Cobalt Card

19.99 % APR

Purchase interest rate

Eligibility criteria, terms and conditions, fees and charges apply

American Express Cobalt Card

Apply today and earn up to 5 points for every dollar you spend

  • Purchase interest rate: 19.99%
  • Cash advance rate: 22.99%
  • Annual fee: $120
  • Credit rating: Fair, Good, Excellent
  • Minimum age: Age of majority in province/territory of residence
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