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Capital One Credit Cards

Whether you need to repair your credit history or you're looking to reap rewards from your spending habits, Capital One offer a host of credit cards that may suit your needs.

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Capital One conducts business solely online in Canada and provides a range of different MasterCard credit cards suitable for a variety of different spending habits. They also work with Costco Wholesale and offer a credit card associated with the warehouse giant. Whether you are looking to reap the rewards from shopping at Costco Wholesale warehouses or you are looking to build your credit score, there are a few different credit cards on offer that suit different financial situations. Credit cards on offer include rewards, cash back, secured and travel credit cards.

Read our guide to learn about the different types of Capital One credit cards on the market, as well as the features and benefits of the different cards offered. Learn how to apply for a Capital One credit card and discover the eligibility requirements.

Types of Capital One credit cards available

With Capital One, you can choose from credit cards that each offer specific benefits like cash back, points per dollar spent, complimentary insurance, low rates and zero fees. Here’s a summary of each of the main types of Capital One credit cards on offer:

  • Cash Back credit cards

Capital One cash back credit cards give you cash back on all of your purchases. If you’re a Costco member, you can receive additional cash back when shopping at Costco, purchasing gas or eating at restaurants. Non-Costco cash back cards usually provide 1% cash back on all purchases, while Costco cash back cards provide between 1-3%. These cards come with Zero Liability and additional insurance can be added.

  • Travel Rewards credit cards

Capital One offer a premium travel rewards credit card that allows you to earn points per dollar spent. There are usually no limits on the amount of points you can collect, and some cards even come with introductory bonus points. These types of cards offer travel insurance, flexibility and plenty of perks. You can redeem points for flights, hotels and other travel related expenses.

    • Secured credit cards

    Capital One offer a secured credit card that allows you to work on building up your credit score while safely spending money. The credit limit on your card will depend on your history, but usually runs from $300 to $2,500. You will be required to put $75 to $300 up as security for collateral, however this is returned if you ever close the account.

    • No Annual Fee credit cards

    Whether you want to earn cash back dollars or work on building up your credit score, you can reap the benefits you want with a no annual fee credit card. With a $0 annual fee, these cards typically come with Zero Liability, with the option to add additional insurance.

    • Guaranteed credit cards

    Capital One offer a couple of credit cards tailored specifically for those with bad credit scores. Also called guaranteed credit cards, these cards typically come with low annual fees and allow you to repair your credit history with low interest rates.

        The benefits of banking with Capital One

        Some of the features you can enjoy when you get a Capital One credit card include:

        • Capital One rewards

        Capital One typically offer a specific type of reward depending on the credit card you select. These rewards include cash back per dollar spent and points per dollar spent. If you are a Costco member, you can receive additional cash back from shopping at Costco and purchasing gas from the on-site gas stations. You can also earn extra cash back by eating at restaurants and paying with your Capital One card.

        • Capital One Internet and mobile banking

        If you have a Capital One credit card, you can access your account online through Capital One online banking. You can also download the Capital One mobile app and access your credit card accounts via your smartphone. This means you can manage your credit card account, pay bills, request a credit limit increase on your card or apply for another Capital One credit card at any time, either online or via the app.

        • Capital One credit card complimentary extras

        Many Capital One credit cards come with complimentary extras including Zero Liability. Premium cards tend to come with additional complimentary extras which may include Purchase Security, Extended Warranty Protection, travel insurance, baggage delay coverage, auto rental and collision insurance and a suite of other extensive insurance coverage.

        • Capital One credit cards security

        Capital One offer a variety of security products with credit cards including Chip & PIN technology and Zero Liability. Zero Liability ensures that you have full coverage over any fraudulent or unauthorized purchases on your credit card. If your credit card has any suspicious spending activity, Capital One will inform you through their alerts system by sending you a text or an email immediately. In addition, they have a team on hand to help resolve any problems.

        How to apply for a Capital One credit card

        If you’ve done your own research and have decided that you’d like to apply for a Capital One credit card, you can begin the process by applying online at the secure Capital One website or by visiting a Costco Wholesale warehouse and applying in person. If applying online, you will be redirected from the main website to a secure Capital One credit card application page, where you can apply for a specific credit card if you have all of your documents and information handy.

        Before you get started on your application, you should make sure that you meet the eligibility requirements for the specific credit card that you are interested in. Furthermore, have the necessary documents on hand so that you can correctly fill out the application form. Eligibility requirements can sometimes vary between credit cards but generally include the following:

        Eligibility requirements

        • Your age. You should be the age of majority in your province or territory.
        • Your residency status. You typically need to be a Canadian resident to apply for a Canadian credit card.
        • Your credit history. Check your credit score if you are unsure of your credit history before applying for a credit card. Most credit cards will require you to have good to excellent credit, while some of the guaranteed and secured credit cards allow you to apply with bad credit.

        Information you will need for your application

        After checking that you are eligible for the credit card, you will need to gather the following information in order to proceed with the application process:

        • Personal information. You’ll need to provide personal information such as your address and your contact information. You’ll also need to verify your identity by providing an accepted form of identification, such as your driver’s licence number or passport number.
        • Financial information. You will need information about your current employment, income and assets like shares or property and your employer’s contact details. If you are self-employed, you may need to provide information regarding your expenses, liabilities and your accountant’s contact information.
        Capital One offer a host of credit cards that can help you reap rewards from your spending. Whether you shop at Costco and are looking to receive cash back rewards or you’re looking to build up your credit score, there are a variety of different credit card options that could work for you.

        Compare other credit cards

        Name Product Purchase Interest Rate Cash Advance Rate Annual Fee Minimum Income Benefits with this card Description
        American Express Cobalt Card
        19.99%
        21.99%
        $120
        N/A
        Earn 5 Membership Rewards points per $1 spent at eligible grocery stores, restaurants, bars, cafés and food delivery services, and earn 2 Membership Rewards points per $1 spent at eligible gas stations, and on transit and travel purchases, and earn 1 Membership Rewards point per $1 spent elsewhere. Terms apply
        Earn up to 45,000 bonus Membership Rewards points. In your first year as a new Cobalt Cardmember, earn 2,500 Membership Rewards points for each monthly billing period in which you spend $500 on your card (for a total of 30,000 points in a year). Plus, earn a Welcome Bonus of 15,000 Membership Rewards points when you spend a total of $3,000 in purchases on your Card in your first 3 months of Cardmembership. Apply by May 5, 2021.
        BMO World Elite Mastercard
        19.99%
        22.99%
        $0 annual fee for the first year ($150 thereafter)
        $80,000
        Get 3 BMO Rewards points per $1 spent on eligible travel, dining and entertainment purchases (up to $50,000 spend annually), and get 2 BMO Rewards points per $1 spent on all other eligible purchases (and once you reach the $50,000 annual spend).
        Get up to $575 in value in your first year. Get a bonus of 40,000 BMO Rewards points ($285 travel value booked on bmorewards.com). Plus, get the $150 annual fee waived in the first year.
        American Express Aeroplan Card
        30% annual interest rate applies to balances not paid in full each month
        N/A
        $120
        N/A
        Earn 2x the points on eligible purchases made directly with Air Canada and Air Canada vacations, 1.5x the points on eligible dining and food delivery purchases and 1x the points on everything else.
        Earn up to 15,000 Welcome Bonus Aeroplan points and a bonus Buddy Pass as a new cardmember.
        SimplyCash Preferred Card from American Express
        19.99%
        21.99%
        $99
        N/A
        Earn 2% cash back on all eligible purchases
        Earn 10% cash back on all eligible purchases (up to $400 in cash back) for the first four months of Cardmembership.
        Choice Card from American Express
        19.99%
        23.99%
        $0
        N/A
        Earn 1 American Express Membership Point for every $1 you spend on purchases.
        Earn a Welcome Bonus of 10,000 Membership Rewards points when you charge $1,000 in purchases to your card in the first 3 months of Cardmembership.
        BMO Preferred Rate Mastercard
        12.99%
        12.99%
        $20
        $15,000
        Take advantage of an introductory balance transfer offer, annual fee waiver in the first year, and low purchase and cash advance interest rates.
        Get a rate of 3.99% on balance transfers for 9 months with a 1% transfer fee. Plus, get the $20 annual fee waived in the first year.
        BMO eclipse Visa Infinite
        20.99%
        23.99%
        $0 annual fee for the first year ($120 thereafter)
        $60,000
        Earn 5x the BMO Points for every $1 spent on groceries, dining in and out, gas and transit.
        Get up to 40,000 points and the $120 annual fee waived in the first year. Earn 25,000 points after you spend $3,000 in the first 3 months and get 15,000 points on your first anniversary.
        Tangerine Money-Back Credit Card
        1.95% intro APR for the first 6 months, 19.95% thereafter
        19.95%
        $0
        $12,000
        Earn 2% cash back in two categories of your choice (or three categories if you open a Tangerine Savings Account and directly deposit your cash back into the account), and 0.5% cash back on everything else.
        Get a 1.95% interest rate on balance transfers for the first six months (valid within the first 30 days of account opening).
        American Express Aeroplan Reserve Card
        19.99%
        21.99%
        $599
        N/A
        Earn 3x the points on eligible purchases made directly with Air Canada and Air Canada Vacations, 2x the points on eligible dining and food delivery purchases in Canada, and 1x the points on everything else.
        Earn up to 65,000 Welcome Bonus Aeroplan points and a $100 Statement Credit as a new cardmember.
        American Express Business Edge Card
        19.99%
        21.99%
        $99
        N/A
        Earn 3 Membership Rewards points for every $1 spent on eligible business essentials including office supplies, electronics, rides, gas, eats and drinks (up to an annual earn of 75,000 Membership Rewards), and earn 1 Membership Reward point for every $1 spent on all other eligible purchases
        Earn up to 42,000 Membership Rewards points in your first year. Earn a Welcome Bonus of 30,000 Membership Rewards points when you spend at least $5,000 on eligible purchases within the first three months, and earn 1,000 Membership Rewards points each month (a total of 12,000 annually) when you spend a minimum of $3,000 on eligible purchases
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        Compare up to 4 providers

        Name Product Purchase Interest Rate Balance Transfer Rate Balance Transfer Fee Annual Fee Minimum Income Reward Description
        BMO Preferred Rate Mastercard
        12.99%
        3.99% for the first 9 months (then 12.99%)
        1%
        $20
        $15,000
        Take advantage of an introductory balance transfer offer, annual fee waiver in the first year, and low purchase and cash advance interest rates.
        Get a rate of 3.99% on balance transfers for 9 months with a 1% transfer fee. Plus, get the $20 annual fee waived in the first year.
        Tangerine Money-Back Credit Card
        1.95% intro APR for the first 6 months, 19.95% thereafter
        1.95% for the first 6 months (then 19.95%)
        3%
        $0
        $12,000
        Earn 2% cash back in two categories of your choice (or three categories if you open a Tangerine Savings Account and directly deposit your cash back into the account), and 0.5% cash back on everything else.
        Get a 1.95% interest rate on balance transfers for the first six months (valid within the first 30 days of account opening).
        BMO Rewards Mastercard
        19.99%
        1.99% for the first 9 months (then 22.99%)
        1%
        $0
        $15,000
        Get 1 BMO Reward point for every $1 spent on eligible purchases, and get 2 BMO Rewards points for every $1 spent at participating National Car Rental and Alamo Rent A Car locations.
        Get a bonus of 15,000 BMO Rewards points. Plus, get a rate of 1.99% on balance transfers for 9 months. A 1% fee applies to transferred balances.
        BMO AIR MILES Mastercard
        19.99%
        1.99% for the first 9 months (then 22.99%)
        1%
        $0
        $15,000
        Get 3x the AIR MILES for every $25 spent at eligible AIR MILES partners, and get 1 AIR MILE for every $25 spent elsewhere.
        Get 800 AIR MILES Bonus Miles (enough for $80 towards purchases with AIR MILES Cash). Get a rate of 1.99% on balance transfers for 9 months. A 1% fee applies to transferred balances.
        BMO CashBack Mastercard
        19.99%
        1.99% for the first 9 months (then 22.99%)
        1%
        $0
        $15,000
        Earn 3% cash back on groceries, 1% on recurring bill payments and 0.5% on all other eligible purchases.
        Get 5% cash back on all eligible purchases in the first three months of card membership (up to a maximum spend of $2,000, and earn 3% cash back on groceries, 1% on recurring bill payments and 0.5% on all other eligible purchases thereafter). Plus, get a rate of 1.99% on balance transfers with a 1% balance transfer fee for nine months.
        BMO AIR MILES Mastercard For Students
        19.99%
        1.99% for the first 9 months (then 22.99%)
        1%
        $0
        $15,000
        Get 3x the AIR MILES for every $25 spent at eligible AIR MILES partners, and get 1 AIR MILE for every $25 spent elsewhere.
        Get 800 AIR MILES Bonus Miles (enough for $80 towards purchases with AIR MILES Cash). Get a 1.99% introductory interest rate on balance transfers for 9 months. A 1% fee applies to balance amounts transferred.
        BMO CashBack Mastercard For Students
        19.99%
        1.99% for the first 9 months (then 22.99%)
        1%
        $0
        $15,000
        Earn 3% cash back on groceries, 1% on recurring bill payments and 0.5% on all other eligible purchases.
        Get up to 5% cash back in the first three months (up to a maximum spend of $2,000, and earn 3% cash back on groceries, 1% on recurring bill payments and 0.5% on all other eligible purchases thereafter). Plus, get a rate of 1.99% on balance transfers for 9 months, with a 1% fee for every transferred balance.
        Scotiabank Value Visa Card
        12.99%
        0.99% for the first 6 months (then 12.99%)
        N/A
        $29
        $12,000
        Save on interest for 6 months by consolidating your higher-rate balances with the balance transfer offer, and get an on-going 12.99% interest rate on purchases, cash advances and balance transfers.
        Get a 0.99% introductory interest rate on balance transfers with a 0% transfer fee for the first 6 months. Apply by February 28, 2021.
        Scotia Momentum Visa Card
        19.99%
        2.99% for the first 6 months (then 22.99%)
        N/A
        $39
        $12,000
        Earn 2% cash back on all eligible gas station, grocery store and drug store purchases and on recurring bill payments (up to a $25,000 annual spend), and earn 1% cash back on all other eligible purchases (and on all eligible purchases once the $25,000 annual spend is reached).
        Get a 2.99% introductory rate on balance transfers and a 0% balance transfer fee for the first 6 months. Apply by February 28, 2021.
        Tangerine World Mastercard
        19.95%
        1.95% for the first 6 months (then 19.95%)
        3%
        $0
        $60,000
        Earn 2% cash back in two categories of your choice (or three categories if you open a Tangerine Savings Account and directly deposit your cash back into the account), and 0.5% cash back on everything else.
        Get a 1.95% interest rate on balance transfers for the first six months (valid within the first 30 days of account opening).
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        Compare up to 4 providers

        Name Product Purchase Interest Rate Cash Advance Rate Annual Fee Minimum Income Benefits with this card Description
        American Express Cobalt Card
        19.99%
        21.99%
        $120
        N/A
        Earn 5 Membership Rewards points per $1 spent at eligible grocery stores, restaurants, bars, cafés and food delivery services, and earn 2 Membership Rewards points per $1 spent at eligible gas stations, and on transit and travel purchases, and earn 1 Membership Rewards point per $1 spent elsewhere. Terms apply
        Earn up to 45,000 bonus Membership Rewards points. In your first year as a new Cobalt Cardmember, earn 2,500 Membership Rewards points for each monthly billing period in which you spend $500 on your card (for a total of 30,000 points in a year). Plus, earn a Welcome Bonus of 15,000 Membership Rewards points when you spend a total of $3,000 in purchases on your Card in your first 3 months of Cardmembership. Apply by May 5, 2021.
        BMO AIR MILES World Elite Mastercard
        19.99%
        22.99%
        $0 annual fee for the first year ($120 thereafter)
        $80,000
        Get 1 AIR MILE for every $10 spent on eligible purchases.
        Earn a bonus of up to 2,000 AIR MILES. Terms apply. Plus, get the annual fee of $120 waived in the first year.
        American Express AIR MILES Platinum Credit Card
        20.99%
        21.99%
        $120
        N/A
        Earn 1 AIR MILE for every $5 spent on eligible food, drink, gas and transit purchases (up to an annual spend of $30,000), and earn 1 AIR MILE for every $10 spent on all other eligible purchases (and after the $30,000 annual spend)
        Earn a Welcome Bonus of 3,000 AIR MILES when you spend at least $1,500 in eligible purchases within the first three months.
        American Express Aeroplan Card
        30% annual interest rate applies to balances not paid in full each month
        N/A
        $120
        N/A
        Earn 2x the points on eligible purchases made directly with Air Canada and Air Canada vacations, 1.5x the points on eligible dining and food delivery purchases and 1x the points on everything else.
        Earn up to 15,000 Welcome Bonus Aeroplan points and a bonus Buddy Pass as a new cardmember.
        BMO eclipse Visa Infinite
        20.99%
        23.99%
        $0 annual fee for the first year ($120 thereafter)
        $60,000
        Earn 5x the BMO Points for every $1 spent on groceries, dining in and out, gas and transit.
        Get up to 40,000 points and the $120 annual fee waived in the first year. Earn 25,000 points after you spend $3,000 in the first 3 months and get 15,000 points on your first anniversary.
        Marriott Bonvoy American Express Card
        19.99%
        21.99%
        $120
        N/A
        Receive 5 Marriott Bonvoy™ points per dollar spent on eligible purchases at participating Marriott Bonvoy™ properties and 2 points on all other spend. Terms apply
        Receive 50,000 bonus Marriott Bonvoy™ points when you charge $1,500 in the first three months of card membership. Terms apply
        Choice Card from American Express
        19.99%
        23.99%
        $0
        N/A
        Earn 1 American Express Membership Point for every $1 you spend on purchases.
        Earn a Welcome Bonus of 10,000 Membership Rewards points when you charge $1,000 in purchases to your card in the first 3 months of Cardmembership.
        American Express Business Edge Card
        19.99%
        21.99%
        $99
        N/A
        Earn 3 Membership Rewards points for every $1 spent on eligible business essentials including office supplies, electronics, rides, gas, eats and drinks (up to an annual earn of 75,000 Membership Rewards), and earn 1 Membership Reward point for every $1 spent on all other eligible purchases
        Earn up to 42,000 Membership Rewards points in your first year. Earn a Welcome Bonus of 30,000 Membership Rewards points when you spend at least $5,000 on eligible purchases within the first three months, and earn 1,000 Membership Rewards points each month (a total of 12,000 annually) when you spend a minimum of $3,000 on eligible purchases
        BMO World Elite Mastercard
        19.99%
        22.99%
        $0 annual fee for the first year ($150 thereafter)
        $80,000
        Get 3 BMO Rewards points per $1 spent on eligible travel, dining and entertainment purchases (up to $50,000 spend annually), and get 2 BMO Rewards points per $1 spent on all other eligible purchases (and once you reach the $50,000 annual spend).
        Get up to $575 in value in your first year. Get a bonus of 40,000 BMO Rewards points ($285 travel value booked on bmorewards.com). Plus, get the $150 annual fee waived in the first year.
        Shell AIR MILES Mastercard from BMO
        19.99%
        22.99%
        $0
        $15,000
        Get 3x the AIR MILES for every $25 spent at eligible AIR MILES partners, and get 1 AIR MILE for every $25 spent elsewhere.
        Get 800 AIR MILES Bonus Miles (enough for $80 towards purchases with AIR MILES Cash).
        loading

        Compare up to 4 providers

        Name Product Purchase Interest Rate Cash Advance Rate Cash Back Rate Annual Fee Minimum Income Reward
        SimplyCash Preferred Card from American Express
        19.99%
        21.99%
        2%
        $99
        N/A
        Earn 2% cash back on all eligible purchases
        Earn 10% cash back on all eligible purchases (up to $400 in cash back) for the first four months of Cardmembership.
        SimplyCash Card from American Express
        19.99%
        21.99%
        1.25%
        $0
        N/A
        1.25% cash back rate on all purchases when your welcome offer ends. No cap
        Earn 2.5% cash back on all eligible purchases in your first three months (up to a maximum spend of $6,000, or $150 in cash back).
        Tangerine Money-Back Credit Card
        1.95% intro APR for the first 6 months, 19.95% thereafter
        19.95%
        2%
        $0
        $12,000
        Earn 2% cash back in two categories of your choice (or three categories if you open a Tangerine Savings Account and directly deposit your cash back into the account), and 0.5% cash back on everything else.
        Get a 1.95% interest rate on balance transfers for the first six months (valid within the first 30 days of account opening).
        BMO CashBack World Elite Mastercard
        19.99%
        22.99%
        1.5%
        $0 annual fee for the first year ($120 thereafter)
        $80,000
        Earn 1.5% cash back on all eligible purchases.
        Get up to 10% cash back in your first 3 months and the $120 annual fee waived in the first year.
        Shell CashBack Mastercard from BMO
        19.99%
        22.99%
        1.5%
        $0
        $15,000
        Get 1.5% cash back at participating Shell locations in Canada (up to a maximum spend of $2,500 in any monthly billing period), and get 0.5% cash back everywhere else.
        Get $50 in cash back bonuses once you charge your first eligible purchase to your card. Plus, earn 1% cash back for the first 6 months on all eligible purchases.
        BMO Cashback Business Mastercard
        19.99%
        22.99%
        1.75%
        $0
        N/A
        Earn 1.5% cash back on eligible gas purchases, office supplies and on cell phone and internet recurring payments, earn 1.75% cash back at participating Shell stations, and earn 0.75% on all other eligible card purchases.
        Get 10% cash back on gas, office supplies, cell phone bills and internet bills for 3 months.
        BMO CashBack Mastercard
        19.99%
        22.99%
        0.5%
        $0
        $15,000
        Earn 3% cash back on groceries, 1% on recurring bill payments and 0.5% on all other eligible purchases.
        Get 5% cash back on all eligible purchases in the first three months of card membership (up to a maximum spend of $2,000, and earn 3% cash back on groceries, 1% on recurring bill payments and 0.5% on all other eligible purchases thereafter). Plus, get a rate of 1.99% on balance transfers with a 1% balance transfer fee for nine months.
        BMO CashBack Mastercard For Students
        19.99%
        22.99%
        0.5%
        $0
        $15,000
        Earn 3% cash back on groceries, 1% on recurring bill payments and 0.5% on all other eligible purchases.
        Get up to 5% cash back in the first three months (up to a maximum spend of $2,000, and earn 3% cash back on groceries, 1% on recurring bill payments and 0.5% on all other eligible purchases thereafter). Plus, get a rate of 1.99% on balance transfers for 9 months, with a 1% fee for every transferred balance.
        Shell CashBack World Mastercard from BMO
        19.99%
        22.99%
        3%
        $79
        $60,000
        Get 3% cash back per $1 spent at Shells stations, 1.25% cash back on all other spend.
        Earn 3% cash back at Shell stations in Canada, plus 1.25% cash back on all other spend.
        Scotia Momentum No-Fee Visa Card
        7.99% intro APR for the first 6 months, 19.99% thereafter
        22.99%
        1%
        $0
        $12,000
        Get 1% cash back on all eligible gas station, grocery store and drug store purchases and recurring bill payments, and get 0.5% cash back on all other eligible purchases.
        Get a 7.99% introductory interest rate on all eligible purchases for the first 6 months. Apply by February 28, 2021.
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        Compare up to 4 providers

        Name Product Purchase Interest Rate Cash Advance Rate Annual Fee Minimum Income Benefits with this card Description
        BMO CashBack Mastercard
        19.99%
        22.99%
        $0
        $15,000
        Earn 3% cash back on groceries, 1% on recurring bill payments and 0.5% on all other eligible purchases.
        Get 5% cash back on all eligible purchases in the first three months of card membership (up to a maximum spend of $2,000, and earn 3% cash back on groceries, 1% on recurring bill payments and 0.5% on all other eligible purchases thereafter). Plus, get a rate of 1.99% on balance transfers with a 1% balance transfer fee for nine months.
        Tangerine Money-Back Credit Card
        1.95% intro APR for the first 6 months, 19.95% thereafter
        19.95%
        $0
        $12,000
        Earn 2% cash back in two categories of your choice (or three categories if you open a Tangerine Savings Account and directly deposit your cash back into the account), and 0.5% cash back on everything else.
        Get a 1.95% interest rate on balance transfers for the first six months (valid within the first 30 days of account opening).
        Choice Card from American Express
        19.99%
        23.99%
        $0
        N/A
        Earn 1 American Express Membership Point for every $1 you spend on purchases.
        Earn a Welcome Bonus of 10,000 Membership Rewards points when you charge $1,000 in purchases to your card in the first 3 months of Cardmembership.
        Shell AIR MILES Mastercard from BMO
        19.99%
        22.99%
        $0
        $15,000
        Get 3x the AIR MILES for every $25 spent at eligible AIR MILES partners, and get 1 AIR MILE for every $25 spent elsewhere.
        Get 800 AIR MILES Bonus Miles (enough for $80 towards purchases with AIR MILES Cash).
        Shell CashBack Mastercard from BMO
        19.99%
        22.99%
        $0
        $15,000
        Get 1.5% cash back at participating Shell locations in Canada (up to a maximum spend of $2,500 in any monthly billing period), and get 0.5% cash back everywhere else.
        Get $50 in cash back bonuses once you charge your first eligible purchase to your card. Plus, earn 1% cash back for the first 6 months on all eligible purchases.
        BMO Rewards Mastercard
        19.99%
        22.99%
        $0
        $15,000
        Get 1 BMO Reward point for every $1 spent on eligible purchases, and get 2 BMO Rewards points for every $1 spent at participating National Car Rental and Alamo Rent A Car locations.
        Get a bonus of 15,000 BMO Rewards points. Plus, get a rate of 1.99% on balance transfers for 9 months. A 1% fee applies to transferred balances.
        BMO IGA AIR MILES Mastercard
        19.99%
        22.99%
        $0
        $15,000
        Get 3x the AIR MILES for every $25 spent on eligible purchases at IGA stores and at participating AIR MILES partners, and get 1 AIR MILE for every $25 spent elsewhere.
        Get 800 AIR MILES Bonus Miles (enough for $80 towards purchases with AIR MILES Cash).
        BMO AIR MILES Mastercard
        19.99%
        22.99%
        $0
        $15,000
        Get 3x the AIR MILES for every $25 spent at eligible AIR MILES partners, and get 1 AIR MILE for every $25 spent elsewhere.
        Get 800 AIR MILES Bonus Miles (enough for $80 towards purchases with AIR MILES Cash). Get a rate of 1.99% on balance transfers for 9 months. A 1% fee applies to transferred balances.
        BMO AIR MILES Mastercard For Students
        19.99%
        22.99%
        $0
        $15,000
        Get 3x the AIR MILES for every $25 spent at eligible AIR MILES partners, and get 1 AIR MILE for every $25 spent elsewhere.
        Get 800 AIR MILES Bonus Miles (enough for $80 towards purchases with AIR MILES Cash). Get a 1.99% introductory interest rate on balance transfers for 9 months. A 1% fee applies to balance amounts transferred.
        BMO CashBack Mastercard For Students
        19.99%
        22.99%
        $0
        $15,000
        Earn 3% cash back on groceries, 1% on recurring bill payments and 0.5% on all other eligible purchases.
        Get up to 5% cash back in the first three months (up to a maximum spend of $2,000, and earn 3% cash back on groceries, 1% on recurring bill payments and 0.5% on all other eligible purchases thereafter). Plus, get a rate of 1.99% on balance transfers for 9 months, with a 1% fee for every transferred balance.
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        Name Product Purchase Interest Rate Cash Advance Rate Annual Fee Minimum Income Reward
        BMO Preferred Rate Mastercard
        12.99%
        12.99%
        $20
        $15,000
        Take advantage of an introductory balance transfer offer, annual fee waiver in the first year, and low purchase and cash advance interest rates.
        Get a rate of 3.99% on balance transfers for 9 months with a 1% transfer fee. Plus, get the $20 annual fee waived in the first year.
        HSBC +Rewards™ Mastercard®
        11.9%
        11.9%
        $25
        N/A
        Earn 2 Points for every $1 spent on eligible dining or entertainment purchases.
        Get a low interest rate for purchases, cash advances and balance transfers.
        BMO Rewards Business Mastercard
        14.99%
        22.99%
        $0 annual fee for the first year ($120 thereafter)
        N/A
        Earn 3 BMO Rewards points for every $1 you spend on gas, office supplies, cell phone bills and internet bills, and earn 1.5 BMO Rewards points for every $1 you spend elsewhere.
        Get up to $470 in value in your first year. Get 50,000 BMO Rewards points when you spend $5,000 in the first three months. Plus, the primary cardholder will get the first year $120 annual fee waived.
        Business Platinum Card from American Express
        N/A
        N/A
        $499
        N/A
        Earn 1.25 Membership Rewards points for every $1 spent on eligible purchases
        Earn a Welcome Bonus of 50,000 Membership Rewards points when you charge $7,000 in purchases to your Card in your first three months of Cardmembership.
        American Express Business Gold Rewards Card
        N/A
        N/A
        $250
        N/A
        Earn 2 Membership Rewards points for every $1 spent on eligible purchases at select American Express merchant suppliers in Canada (choose 3 suppliers), and earn 1 Membership Reward point for every $1 spent on eligible purchases elsewhere
        Earn a Welcome Bonus of 30,000 Membership Rewards points when you spend at least $5,000 on eligible purchases within the first three months
        Scotiabank Value Visa Card
        12.99%
        12.99%
        $29
        $12,000
        Save on interest for 6 months by consolidating your higher-rate balances with the balance transfer offer, and get an on-going 12.99% interest rate on purchases, cash advances and balance transfers.
        Get a 0.99% introductory interest rate on balance transfers with a 0% transfer fee for the first 6 months. Apply by February 28, 2021.
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        Frequently asked questions about Capital One credit cards

        We’ve curated a list of some of the most commonly asked questions about Capital One credit cards. If you can’t find the answer to your question below, or if you’d like to leave us some feedback, get in touch with us by filling out the form at the bottom of this page.

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