{"id":945272,"date":"2021-01-20T09:30:44","date_gmt":"2021-01-20T09:30:44","guid":{"rendered":""},"modified":"2026-02-20T16:09:23","modified_gmt":"2026-02-20T21:09:23","slug":"finder-credit-card-awards","status":"publish","type":"post","link":"https:\/\/www.finder.com\/ca\/credit-cards\/finder-credit-card-awards","title":{"rendered":"Finder Credit Card Awards 2021"},"content":{"rendered":"<h2>Welcome to the Finder Credit Card Awards 2021<\/h2><p>Our awards are designed to find the credit cards that stand out as excellent choices for Canadians in the most important categories: Travel, Rewards, Cash Back, No Annual Fee, Balance Transfer and Low Rate. When picking the best credit cards in each category, we used a data-driven approach to analyze all relevant features and fees fairly and equally to arrive at our list of winners and finalists.<\/p><h3>The winners<\/h3><p>We\u2019ve selected a winner for travel, rewards, cash back, no annual fee, balance transfer and low rate. You can read more on our methodology below. We considered all widely available credit card products for the Finder Credit Card Awards, including those from all major banks and challenger banks. Any credit card products that were excluded from consideration were excluded on the basis of very limited availability to the average Canadian (regardless of province of residence) OR if the card could not be used at a wide range of retailers\/service providers.<\/p><p>Here are the winners for 2021:<\/p><h2 id=\"1\">Best Rewards Credit Cards<\/h2><div class=\"has-margin-bottom-large\">To be eligible for this category, a card needs to offer either rewards points or miles.<\/div><div class=\"content\"><div class=\"u-grid u-grid--alignStretch\"><div class=\"u-grid__col u-1\/3@s\"><article class=\"luna-card luna-card--border\"><div class=\"luna-card__block\"><table border=\"0\"><tbody><tr><td><h4><a style=\"text-decoration: none;\" href=\"https:\/\/www.finder.com\/ca\/credit-cards\/scotiabank\/scotiabank-gold-american-express-credit-card\">Winner: Scotiabank Gold American Express Card<\/a><\/h4><p style=\"font-size: 16px;\">Earn higher spend rewards on everyday purchases like grocery, gas and dining.<\/p><\/td><\/tr><tr><td><a style=\"text-decoration: none;\" href=\"https:\/\/www.finder.com\/ca\/credit-cards\/scotiabank\/scotiabank-gold-american-express-credit-card\"><img decoding=\"async\" class=\"size-full wp-image-955004 aligncenter\" title=\"Image: Supplied\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2021\/11\/ScotiabankGoldAmericanExpress-Award.png\" alt=\"Scotiabank Gold American Express Award\" width=\"374\" height=\"315\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2021\/11\/ScotiabankGoldAmericanExpress-Award.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2021\/11\/ScotiabankGoldAmericanExpress-Award.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2021\/11\/ScotiabankGoldAmericanExpress-Award.png?fit=600 600w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2021\/11\/ScotiabankGoldAmericanExpress-Award.png?fit=900 900w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2021\/11\/ScotiabankGoldAmericanExpress-Award.png?fit=1122 1122w\" sizes=\"(max-width: 1122px) 100vw, 1122px\" loading=\"lazy\"><\/a><\/td><\/tr><\/tbody><\/table><\/div><\/article><\/div><div class=\"u-grid__col u-1\/3@s\"><article class=\"luna-card luna-card--border\"><div class=\"luna-card__block\"><table border=\"0\"><tbody><tr><td><h4><a style=\"text-decoration: none;\" href=\"https:\/\/www.finder.com\/ca\/credit-cards\/mbna\/mbna-rewards-platinum-plus-mastercard-review\">Finalist: MBNA Rewards Platinum Plus Mastercard<\/a><\/h4><p style=\"font-size: 16px;\">Earn a high rewards value on everyday purchases like gas, grocery and dining with no annual fee.<\/p><\/td><\/tr><tr><td><a style=\"text-decoration: none;\" href=\"https:\/\/www.finder.com\/ca\/credit-cards\/mbna\/mbna-rewards-platinum-plus-mastercard-review\"><img decoding=\"async\" class=\"size-full wp-image-955006 aligncenter\" title=\"Image: Supplied\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2021\/11\/MBNA-Rewards-Platinum-Plus-Mastercard-Award-2021.png\" alt=\"MBNA Rewards Platinum Plus Mastercard Award\" width=\"371\" height=\"316\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2021\/11\/MBNA-Rewards-Platinum-Plus-Mastercard-Award-2021.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2021\/11\/MBNA-Rewards-Platinum-Plus-Mastercard-Award-2021.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2021\/11\/MBNA-Rewards-Platinum-Plus-Mastercard-Award-2021.png?fit=600 600w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2021\/11\/MBNA-Rewards-Platinum-Plus-Mastercard-Award-2021.png?fit=900 900w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2021\/11\/MBNA-Rewards-Platinum-Plus-Mastercard-Award-2021.png?fit=1113 1113w\" sizes=\"(max-width: 1113px) 100vw, 1113px\" loading=\"lazy\"><\/a><\/td><\/tr><\/tbody><\/table><\/div><\/article><\/div><div class=\"u-grid__col u-1\/3@s\"><article class=\"luna-card luna-card--border\"><div class=\"luna-card__block\"><table border=\"0\"><tbody><tr><td><h4><a style=\"text-decoration: none;\" href=\"https:\/\/www.finder.com\/ca\/credit-cards\/bmo\/bmo-eclipse-visa-infinite-review\">Finalist: BMO eclipse Visa Infinite<\/a><\/h4><p style=\"font-size: 16px;\">Earn accelerated rewards on everyday purchases and get an annual lifestyle credit.<\/p><\/td><\/tr><tr><td><a style=\"text-decoration: none;\" href=\"https:\/\/www.finder.com\/ca\/credit-cards\/bmo\/bmo-eclipse-visa-infinite-review\"><img decoding=\"async\" class=\"size-full wp-image-955007 aligncenter grid__col--alignBott\" title=\"Image: Supplied\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2021\/11\/BMO-eclipse-Visa-Infinite-Award-2021.png\" alt=\"BMO eclipse Visa Infinite Award 2021\" width=\"371\" height=\"316\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2021\/11\/BMO-eclipse-Visa-Infinite-Award-2021.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2021\/11\/BMO-eclipse-Visa-Infinite-Award-2021.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2021\/11\/BMO-eclipse-Visa-Infinite-Award-2021.png?fit=600 600w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2021\/11\/BMO-eclipse-Visa-Infinite-Award-2021.png?fit=900 900w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2021\/11\/BMO-eclipse-Visa-Infinite-Award-2021.png?fit=1113 1113w\" sizes=\"(max-width: 1113px) 100vw, 1113px\" loading=\"lazy\"><\/a><\/td><\/tr><\/tbody><\/table><\/div><\/article><\/div><\/div><ul class=\"luna-accordionGroup accordionGroup\"><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000000\" data-toggle=\"collapse\" data-target=\"#accordion0000000000\">\n        <span class=\"luna-accordion__title\">Methodology for Best Rewards Credit Card<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000000\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><h5>Selection Criteria<\/h5><p>Products were selected from the broader market that met these criteria:<\/p><ul><li>Must offer rewards points or miles<\/li><li>Not a business card<\/li><\/ul><h5>Presumptions<\/h5><p>Tiebreakers are ranked by the lowest interest rate.<\/p><h5>Weighting<\/h5><p>Scores for each metric were then weighted:<\/p><ul><li>Rewards value: 40%<\/li><li>Fees: 20% (When applicable, the first year fee makes up 60% of this score while the regular annual fee makes up the other 40%.)<\/li><li>Interest rate: 20%<\/li><li>Bonus sign-up points: 20%<\/li><\/ul><\/div>\n  <\/div>\n<\/li><\/ul><hr><h2 id=\"2\">Best Travel Credit Cards<\/h2><div class=\"has-margin-bottom-large\">Credit cards in this category must earn rewards points or miles, complimentary travel insurance and at least one other travel-related perk, such as airport lounge access or car rental perks.<\/div><div class=\"u-grid u-grid--alignStretch\"><div class=\"u-grid__col u-1\/3@s\"><article class=\"luna-card luna-card--border\"><div class=\"luna-card__block\"><table border=\"0\"><tbody><tr><td><h4><a style=\"text-decoration: none;\" href=\"https:\/\/www.finder.com\/ca\/credit-cards\/scotiabank\/scotiabank-gold-american-express-credit-card\">Winner: Scotiabank Gold American Express Card<\/a><\/h4><p style=\"font-size: 16px;\">Redeem accelerated rewards for travel purchases including Best Price Guarantee on airfare, and pay no foreign transaction fee.<\/p><\/td><\/tr><tr><td><img decoding=\"async\" class=\"size-full wp-image-956274 aligncenter\" title=\"Image: Supplied\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2021\/11\/ScotiabankGoldAmericanExpress-Travel-Award-2021.png\" alt=\"Scotiabank Gold American Express Travel Award 2021\" width=\"371\" height=\"317\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2021\/11\/ScotiabankGoldAmericanExpress-Travel-Award-2021.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2021\/11\/ScotiabankGoldAmericanExpress-Travel-Award-2021.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2021\/11\/ScotiabankGoldAmericanExpress-Travel-Award-2021.png?fit=600 600w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2021\/11\/ScotiabankGoldAmericanExpress-Travel-Award-2021.png?fit=900 900w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2021\/11\/ScotiabankGoldAmericanExpress-Travel-Award-2021.png?fit=1113 1113w\" sizes=\"(max-width: 1113px) 100vw, 1113px\" loading=\"lazy\"><\/td><\/tr><\/tbody><\/table><\/div><\/article><\/div><div class=\"u-grid__col u-1\/3@s\"><article class=\"luna-card luna-card--border\"><div class=\"luna-card__block\"><table border=\"0\"><tbody><tr><td><h4><a style=\"text-decoration: none;\" href=\"https:\/\/www.finder.com\/ca\/credit-cards\/td\/td-bank-aeroplan-visa-infinite-card\">Finalist: TD Aeroplan Visa Infinite Card<\/a><\/h4><p style=\"font-size: 16px;\">Earn accelerated Aeroplan points to redeem for travel and merchandise, plus get other travel perks, all for a reasonable annual fee.<\/p><\/td><\/tr><tr><td><a href=\"https:\/\/www.finder.com\/ca\/credit-cards\/td\/td-bank-aeroplan-visa-infinite-card\"><img decoding=\"async\" class=\"size-full wp-image-955751 aligncenter\" title=\"Image: Supplied\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2021\/11\/TD-Aeroplan-Visa-Infinite-Card-Award-2021.png\" alt=\"TD Aeroplan Visa Infinite Card Award 2021\" width=\"369\" height=\"315\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2021\/11\/TD-Aeroplan-Visa-Infinite-Card-Award-2021.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2021\/11\/TD-Aeroplan-Visa-Infinite-Card-Award-2021.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2021\/11\/TD-Aeroplan-Visa-Infinite-Card-Award-2021.png?fit=600 600w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2021\/11\/TD-Aeroplan-Visa-Infinite-Card-Award-2021.png?fit=900 900w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2021\/11\/TD-Aeroplan-Visa-Infinite-Card-Award-2021.png?fit=1107 1107w\" sizes=\"(max-width: 1107px) 100vw, 1107px\" loading=\"lazy\"><\/a><\/td><\/tr><\/tbody><\/table><\/div><\/article><\/div><div class=\"u-grid__col u-1\/3@s\"><article class=\"luna-card luna-card--border\"><div class=\"luna-card__block\"><table border=\"0\"><tbody><tr><td><h4><a style=\"text-decoration: none;\" href=\"https:\/\/www.finder.com\/ca\/credit-cards\/american-express\/american-express-aeroplan-reserve-card-review\">Finalist: American Express Aeroplan Reserve<\/a><\/h4><p style=\"font-size: 16px;\">A premium travel card where you\u2019ll earn Aeroplan points for travel and get a suite of travel perks like lounge access and priority airport access.<\/p><\/td><\/tr><tr><td><a href=\"https:\/\/www.finder.com\/ca\/credit-cards\/american-express\/american-express-aeroplan-reserve-card-review\"><img decoding=\"async\" class=\"size-full wp-image-955752 aligncenter\" title=\"Image: Supplied\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2021\/11\/American-Express-Aeroplan-Reserve-Award-2021.png\" alt=\"American Express Aeroplan Reserve Award 2021\" width=\"373\" height=\"314\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2021\/11\/American-Express-Aeroplan-Reserve-Award-2021.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2021\/11\/American-Express-Aeroplan-Reserve-Award-2021.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2021\/11\/American-Express-Aeroplan-Reserve-Award-2021.png?fit=600 600w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2021\/11\/American-Express-Aeroplan-Reserve-Award-2021.png?fit=900 900w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2021\/11\/American-Express-Aeroplan-Reserve-Award-2021.png?fit=1119 1119w\" sizes=\"(max-width: 1119px) 100vw, 1119px\" loading=\"lazy\"><\/a><\/td><\/tr><\/tbody><\/table><\/div><\/article><\/div><\/div><ul class=\"luna-accordionGroup accordionGroup\"><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000001\" data-toggle=\"collapse\" data-target=\"#accordion0000000001\">\n        <span class=\"luna-accordion__title\">Methodology for Best Travel Credit Card<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000001\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><h5>Selection Criteria<\/h5><p>Products were selected from the broader market that met these criteria:<\/p><ul><li>Must directly earn travel rewards points or miles<\/li><li>Offers complimentary travel insurance<\/li><li>Offers at least one other travel-related perk such as airport lounge access, discounts, car rental perks<\/li><li>Not a business card<\/li><\/ul><h5>Presumptions<\/h5><p>Tiebreakers are ranked by the lowest interest rate.<\/p><h5>Weighting<\/h5><p>Scores for each metric were then weighted:<\/p><ul><li>Rewards value: 30%<\/li><li>Fees: 15%<\/li><li>Interest rate: 20%<\/li><li>Bonus sign-up points: 10%<\/li><li>Currency conversion rate: 15%<\/li><li>Airport lounge access: 10%<\/li><\/ul><\/div>\n  <\/div>\n<\/li><\/ul><hr><h2 id=\"3\">Best Cash Back Credit Cards<\/h2><div class=\"has-margin-bottom-large\">Cards offering cash back were considered for this category.<\/div><div class=\"u-grid u-grid--alignStretch\"><div class=\"u-grid__col u-1\/3@s\"><article class=\"luna-card luna-card--border\"><div class=\"luna-card__block\"><table border=\"0\"><tbody><tr><td><h4><a style=\"text-decoration: none;\" href=\"https:\/\/www.finder.com\/ca\/credit-cards\/bmo\/bmo-cashback-mastercard\">Winner: BMO CashBack Mastercard<\/a><\/h4><p style=\"font-size: 16px;\">Earn a high cash back rate on everyday purchases like groceries with no annual fee and a solid welcome bonus.<\/p><\/td><\/tr><tr><td><a href=\"https:\/\/www.finder.com\/ca\/credit-cards\/bmo\/bmo-cashback-mastercard\"><img decoding=\"async\" class=\"size-full wp-image-955753 aligncenter\" title=\"Image: Supplied\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2021\/11\/BMO-CashBack-Mastercard-Award-2021.png\" alt=\"BMO CashBack Mastercard\" width=\"370\" height=\"314\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2021\/11\/BMO-CashBack-Mastercard-Award-2021.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2021\/11\/BMO-CashBack-Mastercard-Award-2021.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2021\/11\/BMO-CashBack-Mastercard-Award-2021.png?fit=600 600w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2021\/11\/BMO-CashBack-Mastercard-Award-2021.png?fit=900 900w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2021\/11\/BMO-CashBack-Mastercard-Award-2021.png?fit=1110 1110w\" sizes=\"(max-width: 1110px) 100vw, 1110px\" loading=\"lazy\"><\/a><\/td><\/tr><\/tbody><\/table><\/div><\/article><\/div><div class=\"u-grid__col u-1\/3@s\"><article class=\"luna-card luna-card--border\"><div class=\"luna-card__block\"><table border=\"0\"><tbody><tr><td><h4><a style=\"text-decoration: none;\" href=\"https:\/\/www.finder.com\/ca\/credit-cards\/desjardins\">Finalist: Desjardins Cash Back Card<\/a><\/h4><p style=\"font-size: 16px;\">Earn a relatively high cash back rate on everyday purchases and pre-authorized payments with no annual fee.<\/p><\/td><\/tr><tr><td><a href=\"https:\/\/www.finder.com\/ca\/credit-cards\/desjardins\"><img decoding=\"async\" class=\"aligncenter wp-image-955758 size-full\" title=\"Image: Supplied\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2021\/11\/Desjardins-Cash-Back-Card-Award-2021.png\" alt=\"Desjardins Cash Back Card\" width=\"375\" height=\"318\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2021\/11\/Desjardins-Cash-Back-Card-Award-2021.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2021\/11\/Desjardins-Cash-Back-Card-Award-2021.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2021\/11\/Desjardins-Cash-Back-Card-Award-2021.png?fit=600 600w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2021\/11\/Desjardins-Cash-Back-Card-Award-2021.png?fit=900 900w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2021\/11\/Desjardins-Cash-Back-Card-Award-2021.png?fit=1125 1125w\" sizes=\"(max-width: 1125px) 100vw, 1125px\" loading=\"lazy\"><\/a><\/td><\/tr><\/tbody><\/table><\/div><\/article><\/div><div class=\"u-grid__col u-1\/3@s\"><article class=\"luna-card luna-card--border\"><div class=\"luna-card__block\"><table border=\"0\"><tbody><tr><td><h4><a style=\"text-decoration: none;\" href=\"https:\/\/www.finder.com\/ca\/credit-cards\/hometrust\">Finalist: Home Trust Equityline Visa Card<\/a><\/h4><p style=\"font-size: 16px;\">Earn cash back at a low interest rate with this home equity secured credit card.<\/p><\/td><\/tr><tr><td><a href=\"https:\/\/www.finder.com\/ca\/credit-cards\/hometrust\"><img decoding=\"async\" class=\"size-full wp-image-955759 aligncenter\" title=\"Image: Supplied\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2021\/11\/Home-Trust-Equityline-Visa-Card-Award-2021.png\" alt=\"Home Trust Equityline Visa Card\" width=\"369\" height=\"317\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2021\/11\/Home-Trust-Equityline-Visa-Card-Award-2021.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2021\/11\/Home-Trust-Equityline-Visa-Card-Award-2021.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2021\/11\/Home-Trust-Equityline-Visa-Card-Award-2021.png?fit=600 600w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2021\/11\/Home-Trust-Equityline-Visa-Card-Award-2021.png?fit=900 900w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2021\/11\/Home-Trust-Equityline-Visa-Card-Award-2021.png?fit=1107 1107w\" sizes=\"(max-width: 1107px) 100vw, 1107px\" loading=\"lazy\"><\/a><\/td><\/tr><\/tbody><\/table><\/div><\/article><\/div><\/div><ul class=\"luna-accordionGroup accordionGroup\"><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000002\" data-toggle=\"collapse\" data-target=\"#accordion0000000002\">\n        <span class=\"luna-accordion__title\">Methodology for Best Cash Back Credit Card<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000002\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><h5>Selection Criteria<\/h5><p>Products were selected from the broader market that met these criteria:<\/p><ul><li>The card must earn cash back<\/li><li>Not a business card<\/li><\/ul><h5>Presumptions<\/h5><p>Tiebreakers are ranked by the lowest interest rate.<\/p><h5>Weighting<\/h5><p>Scores for each metric were then weighted:<\/p><ul><li>Points earned on spending: 50%<\/li><li>Fees: 25% (When applicable, the first year fee makes up 60% of this score while the regular annual fee makes up the other 40%.)<\/li><li>Interest rate: 10%<\/li><li>Rewards points cap: 10%<\/li><li>Bonus sign-up points required spend: 5%<\/li><\/ul><\/div>\n  <\/div>\n<\/li><\/ul><hr><h2 id=\"4\">Best No Annual Fee Credit Cards<\/h2><div class=\"has-margin-bottom-large\">Cards in this category must charge no annual fee for the life of the card \u2013 cards offering no fee for a limited period, such as the first year, are not included.<\/div><div class=\"u-grid u-grid--alignStretch\"><div class=\"u-grid__col u-1\/3@s\"><article class=\"luna-card luna-card--border\"><div class=\"luna-card__block\"><table border=\"0\"><tbody><tr><td><h4><a style=\"text-decoration: none;\">Winner: Capital One Aspire Cash Platinum Mastercard<\/a><\/h4><p style=\"font-size: 16px;\">Earn an impressive standard rewards rate on all purchases and get travel insurance coverage.<\/p><\/td><\/tr><tr><td><a><img decoding=\"async\" class=\"size-full wp-image-955762 aligncenter\" title=\"Image: Supplied\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2021\/11\/Capital-One-Aspire-Cash-Platinum-Mastercard-Award-2021.png\" alt=\"Capital One Aspire Cash Platinum Mastercard\" width=\"372\" height=\"319\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2021\/11\/Capital-One-Aspire-Cash-Platinum-Mastercard-Award-2021.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2021\/11\/Capital-One-Aspire-Cash-Platinum-Mastercard-Award-2021.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2021\/11\/Capital-One-Aspire-Cash-Platinum-Mastercard-Award-2021.png?fit=600 600w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2021\/11\/Capital-One-Aspire-Cash-Platinum-Mastercard-Award-2021.png?fit=900 900w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2021\/11\/Capital-One-Aspire-Cash-Platinum-Mastercard-Award-2021.png?fit=1116 1116w\" sizes=\"(max-width: 1116px) 100vw, 1116px\" loading=\"lazy\"><\/a><\/td><\/tr><\/tbody><\/table><\/div><\/article><\/div><div class=\"u-grid__col u-1\/3@s\"><article class=\"luna-card luna-card--border\"><div class=\"luna-card__block\"><table border=\"0\"><tbody><tr><td><h4><a style=\"text-decoration: none;\">Finalist: American Express Essential Credit Card<\/a><\/h4><p style=\"font-size: 16px;\">Get a low purchase interest rate, a suite of AMEX-exclusive benefits and basic purchase coverage.<\/p><\/td><\/tr><tr><td><a><img decoding=\"async\" class=\"size-full wp-image-955763 aligncenter\" title=\"Image: Supplied\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2021\/11\/American-Express-Essential-Credit-Card-Award-2021.png\" alt=\"American Express Essential Credit Card\" width=\"373\" height=\"316\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2021\/11\/American-Express-Essential-Credit-Card-Award-2021.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2021\/11\/American-Express-Essential-Credit-Card-Award-2021.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2021\/11\/American-Express-Essential-Credit-Card-Award-2021.png?fit=600 600w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2021\/11\/American-Express-Essential-Credit-Card-Award-2021.png?fit=900 900w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2021\/11\/American-Express-Essential-Credit-Card-Award-2021.png?fit=1119 1119w\" sizes=\"(max-width: 1119px) 100vw, 1119px\" loading=\"lazy\"><\/a><\/td><\/tr><\/tbody><\/table><\/div><\/article><\/div><div class=\"u-grid__col u-1\/3@s\"><article class=\"luna-card luna-card--border\"><div class=\"luna-card__block\"><table border=\"0\"><tbody><tr><td><h4><a style=\"text-decoration: none;\" href=\"https:\/\/www.finder.com\/ca\/credit-cards\/mbna\/mbna-true-line-mastercard-review\">Finalist: MBNA True Line Mastercard<\/a><\/h4><p style=\"font-size: 16px;\">Get a low purchase interest rate and a competitive balance transfer offer with this no annual fee card.<\/p><\/td><\/tr><tr><td><a href=\"https:\/\/www.finder.com\/ca\/credit-cards\/mbna\/mbna-true-line-mastercard-review\"><img decoding=\"async\" class=\"size-full wp-image-955764 aligncenter\" title=\"Image: Supplied\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2021\/11\/MBNA-True-Line-Mastercard-Award-2021.png\" alt=\"MBNA True Line Mastercard\" width=\"370\" height=\"316\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2021\/11\/MBNA-True-Line-Mastercard-Award-2021.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2021\/11\/MBNA-True-Line-Mastercard-Award-2021.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2021\/11\/MBNA-True-Line-Mastercard-Award-2021.png?fit=600 600w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2021\/11\/MBNA-True-Line-Mastercard-Award-2021.png?fit=900 900w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2021\/11\/MBNA-True-Line-Mastercard-Award-2021.png?fit=1110 1110w\" sizes=\"(max-width: 1110px) 100vw, 1110px\" loading=\"lazy\"><\/a><\/td><\/tr><\/tbody><\/table><\/div><\/article><\/div><\/div><ul class=\"luna-accordionGroup accordionGroup\"><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000003\" data-toggle=\"collapse\" data-target=\"#accordion0000000003\">\n        <span class=\"luna-accordion__title\">Methodology for Best No Annual Fee Credit Card<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000003\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><h5>Selection Criteria<\/h5><p>Products were selected from the broader market that met these criteria:<\/p><ul><li>Cards must charge no annual fee<\/li><li>Cards offering no fee for a limited period will not be included<\/li><li>Not a business card<\/li><\/ul><h5>Presumptions<\/h5><p>Tiebreakers are ranked by the lowest interest rate.<\/p><h5>Weighting<\/h5><p>Scores for each metric were then weighted:<\/p><ul><li>Interest rate: 80%<\/li><li>Interest free period: 10%<\/li><li>Rewards: 10%<\/li><\/ul><\/div>\n  <\/div>\n<\/li><\/ul><hr><h2 id=\"5\">Best Balance Transfer Credit Cards<\/h2><div class=\"has-margin-bottom-large\">Credit cards offering a balance transfer rate of 3.99% or less were considered in this category. We also take into account balance transfer fees and the number of months the offer is valid for.<\/div><div class=\"u-grid u-grid--alignStretch\"><div class=\"u-grid__col u-1\/3@s\"><article class=\"luna-card luna-card--border\"><div class=\"luna-card__block\"><table border=\"0\"><tbody><tr><td><h4>Winner: BMO AIR MILES Mastercard<\/h4><p style=\"font-size: 16px;\">Earn AIR MILES at an accelerated rate on every purchase, get a sign-up bonus and save with a low balance transfer rate.<\/p><\/td><\/tr><tr><td><a href=\"https:\/\/www.finder.com\/ca\/credit-cards\/bmo\/bmo-air-miles-mastercard\"><img decoding=\"async\" class=\"size-full wp-image-955765 aligncenter\" title=\"Image: Supplied\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2021\/11\/BMO-AIR-MILES-Mastercard-Award-2021.png\" alt=\"BMO Air Miles Mastercard\" width=\"370\" height=\"312\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2021\/11\/BMO-AIR-MILES-Mastercard-Award-2021.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2021\/11\/BMO-AIR-MILES-Mastercard-Award-2021.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2021\/11\/BMO-AIR-MILES-Mastercard-Award-2021.png?fit=600 600w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2021\/11\/BMO-AIR-MILES-Mastercard-Award-2021.png?fit=900 900w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2021\/11\/BMO-AIR-MILES-Mastercard-Award-2021.png?fit=1110 1110w\" sizes=\"(max-width: 1110px) 100vw, 1110px\" loading=\"lazy\"><\/a><\/td><\/tr><\/tbody><\/table><\/div><\/article><\/div><div class=\"u-grid__col u-1\/3@s\"><article class=\"luna-card luna-card--border\"><div class=\"luna-card__block\"><table border=\"0\"><tbody><tr><td><h4><a style=\"text-decoration: none;\" href=\"https:\/\/www.finder.com\/ca\/credit-cards\/pc-financial\">Finalist: President\u2019s Choice Financial Mastercard<\/a><\/h4><p style=\"font-size: 16px;\">Earn accelerated PC Optimum points with every purchase and pay a low balance transfer rate during the introductory period.<\/p><\/td><\/tr><tr><td><a href=\"https:\/\/www.finder.com\/ca\/credit-cards\/pc-financial\"><img decoding=\"async\" class=\"aligncenter wp-image-955766 size-full\" title=\"Image: Supplied\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2021\/11\/Presidents-Choice-Financial-Mastercard-Award-2021.png\" alt=\"Presidents Choice Financial Mastercard Award 2021\" width=\"369\" height=\"315\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2021\/11\/Presidents-Choice-Financial-Mastercard-Award-2021.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2021\/11\/Presidents-Choice-Financial-Mastercard-Award-2021.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2021\/11\/Presidents-Choice-Financial-Mastercard-Award-2021.png?fit=600 600w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2021\/11\/Presidents-Choice-Financial-Mastercard-Award-2021.png?fit=900 900w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2021\/11\/Presidents-Choice-Financial-Mastercard-Award-2021.png?fit=1107 1107w\" sizes=\"(max-width: 1107px) 100vw, 1107px\" loading=\"lazy\"><\/a><\/td><\/tr><\/tbody><\/table><\/div><\/article><\/div><div class=\"u-grid__col u-1\/3@s\"><article class=\"luna-card luna-card--border\"><div class=\"luna-card__block\"><table border=\"0\"><tbody><tr><td><h4><a style=\"text-decoration: none;\" href=\"https:\/\/www.finder.com\/ca\/credit-cards\/scotiabank\/scotia-momentum-no-fee-visa-credit-card\">Finalist: Scotia Momentum No-Fee Visa Card<\/a><\/h4><p style=\"font-size: 16px;\">Earn cash back on all purchases, get a sign-up bonus and pay a low balance transfer rate over the introductory period.<\/p><\/td><\/tr><tr><td><a href=\"https:\/\/www.finder.com\/ca\/credit-cards\/scotiabank\/scotia-momentum-no-fee-visa-credit-card\"><img decoding=\"async\" class=\"size-full wp-image-955767 aligncenter\" title=\"Image: Supplied\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2021\/11\/Scotia-Momentum-No-Fee-Visa-Card-Award-2021.png\" alt=\"Scotia Momentum No-Fee Visa Card\" width=\"371\" height=\"316\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2021\/11\/Scotia-Momentum-No-Fee-Visa-Card-Award-2021.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2021\/11\/Scotia-Momentum-No-Fee-Visa-Card-Award-2021.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2021\/11\/Scotia-Momentum-No-Fee-Visa-Card-Award-2021.png?fit=600 600w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2021\/11\/Scotia-Momentum-No-Fee-Visa-Card-Award-2021.png?fit=900 900w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2021\/11\/Scotia-Momentum-No-Fee-Visa-Card-Award-2021.png?fit=1113 1113w\" sizes=\"(max-width: 1113px) 100vw, 1113px\" loading=\"lazy\"><\/a><\/td><\/tr><\/tbody><\/table><\/div><\/article><\/div><\/div><ul class=\"luna-accordionGroup accordionGroup\"><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000004\" data-toggle=\"collapse\" data-target=\"#accordion0000000004\">\n        <span class=\"luna-accordion__title\">Methodology for Best Balance Transfer Credit Card<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000004\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><h5>Selection Criteria<\/h5><p>Products were selected from the broader market that met these criteria:<\/p><ul><li>Card must offer 3.99% or less APR balance transfer<\/li><li>A one-off transfer fee is allowed<\/li><li>Not a business card<\/li><\/ul><h5>Presumptions<\/h5><p>Tiebreakers are ranked by the lowest interest rate.<\/p><h5>Weighting<\/h5><p>Scores for each metric were then weighted:<\/p><ul><li>Fees: 20% (When applicable, the first year and second year fees make up 40% and 30% of this score respectively, while the regular annual fee makes up the other 30%. If the card does not have a different fee in the second year, then the split becomes 60% from the first year and 40% from the regular fee.)<\/li><li>Interest rate: 5%<\/li><li>Balance transfer fee: 20%<\/li><li>Intro period: 55%<\/li><\/ul><\/div>\n  <\/div>\n<\/li><\/ul><hr><h2 id=\"6\">Best Low Rate Credit Cards<\/h2><div class=\"has-margin-bottom-large\">This category considers any cards with purchase interest rates of 12.99% or lower. Cards offering temporary low interest rates were not considered here.<\/div><div class=\"u-grid u-grid--alignStretch\"><div class=\"u-grid__col u-1\/2@s\"><article class=\"luna-card luna-card--border\"><div class=\"luna-card__block\"><table border=\"0\"><tbody><tr><td><h4><a style=\"text-decoration: none;\" href=\"https:\/\/www.finder.com\/ca\/credit-cards\/bmo\/bmo-preferred-rate-mastercard\">Finalist: BMO Preferred Rate Mastercard<\/a><\/h4><p style=\"font-size: 16px;\">Pay a low annual fee for basic purchase coverage and a competitive balance transfer offer.<\/p><\/td><\/tr><tr><td><a href=\"https:\/\/www.finder.com\/ca\/credit-cards\/bmo\/bmo-preferred-rate-mastercard\"><img decoding=\"async\" class=\"size-full wp-image-955771 aligncenter\" title=\"Image: Supplied\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2021\/11\/BMO-Preferred-Rate-Mastercard-Award-2021.png\" alt=\"BMO Preferred Rate Mastercard\" width=\"368\" height=\"318\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2021\/11\/BMO-Preferred-Rate-Mastercard-Award-2021.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2021\/11\/BMO-Preferred-Rate-Mastercard-Award-2021.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2021\/11\/BMO-Preferred-Rate-Mastercard-Award-2021.png?fit=600 600w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2021\/11\/BMO-Preferred-Rate-Mastercard-Award-2021.png?fit=900 900w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2021\/11\/BMO-Preferred-Rate-Mastercard-Award-2021.png?fit=1104 1104w\" sizes=\"(max-width: 1104px) 100vw, 1104px\" loading=\"lazy\"><\/a><\/td><\/tr><\/tbody><\/table><\/div><\/article><\/div><div class=\"u-grid__col u-1\/2@s\"><article class=\"luna-card luna-card--border\"><div class=\"luna-card__block\"><table border=\"0\"><tbody><tr><td><h4><a style=\"text-decoration: none;\" href=\"https:\/\/www.finder.com\/ca\/credit-cards\/rbc\/rbc-visa-classic-low-rate-option-credit-card-review\">Finalist: RBC Visa Classic Low Rate Option<\/a><\/h4><p style=\"font-size: 16px;\">Get a low interest rate on both purchases and cash advances, plus the opportunity to earn accelerated Petro-Points at Petro-Canada stations.<\/p><\/td><\/tr><tr><td><a href=\"https:\/\/www.finder.com\/ca\/credit-cards\/rbc\/rbc-visa-classic-low-rate-option-credit-card-review\"><img decoding=\"async\" class=\"size-full wp-image-955772 aligncenter\" title=\"Image: Supplied\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2021\/11\/RBC-Visa-Classic-Low-Rate-Option-Award-2021.png\" alt=\"RBC Visa Classic Low Rate Option 2021\" width=\"371\" height=\"316\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2021\/11\/RBC-Visa-Classic-Low-Rate-Option-Award-2021.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2021\/11\/RBC-Visa-Classic-Low-Rate-Option-Award-2021.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2021\/11\/RBC-Visa-Classic-Low-Rate-Option-Award-2021.png?fit=600 600w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2021\/11\/RBC-Visa-Classic-Low-Rate-Option-Award-2021.png?fit=900 900w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2021\/11\/RBC-Visa-Classic-Low-Rate-Option-Award-2021.png?fit=1113 1113w\" sizes=\"(max-width: 1113px) 100vw, 1113px\" loading=\"lazy\"><\/a><\/td><\/tr><\/tbody><\/table><\/div><\/article><\/div><\/div><ul class=\"luna-accordionGroup accordionGroup\"><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000005\" data-toggle=\"collapse\" data-target=\"#accordion0000000005\">\n        <span class=\"luna-accordion__title\">Methodology for Best Low Rate Credit Card<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000005\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><h5>Selection Criteria<\/h5><p>Products were selected from the broader market that met these criteria:<\/p><ul><li>The interest rate must be 12.99% or under<\/li><li>Temporary low rates not included<\/li><li>Not a business card<\/li><\/ul><h5>Presumptions<\/h5><p>Tiebreakers are ranked by the lowest interest rate.<\/p><h5>Weighting<\/h5><p>Scores for each metric were then weighted:<\/p><ul><li>Fees: 20% (When applicable, the first year and second year fees make up 40% and 30% of this score respectively, while the regular annual fee makes up the other 30%. If the card does not have a different fee in the second year, then the split becomes 60% from the first year and 40% from the regular fee.)<\/li><li>Interest rate: 70%<\/li><li>Interest fee period: 10%<\/li><\/ul><\/div>\n  <\/div>\n<\/li><\/ul><hr><h2>Finder Credit Card Awards winners announcement<\/h2><div class=\"fin-video fin-video--horizontal\" data-player-type=\"youtube\" data-video-id=\"pEqwfDDJfGk\" style=\"\">\n    <div class=\"fin-video__container\">\n                    <img decoding=\"async\" class=\"fin-video__thumbnail\" src=\"https:\/\/img.youtube.com\/vi\/pEqwfDDJfGk\/maxresdefault.jpg\" data-fallback-sd=\"https:\/\/img.youtube.com\/vi\/pEqwfDDJfGk\/sddefault.jpg\" data-fallback-hq=\"https:\/\/img.youtube.com\/vi\/pEqwfDDJfGk\/hqdefault.jpg\" alt=\"\" loading=\"lazy\">\n                            <div class=\"fin-video__duration\">4:03<\/div>\n                        <div class=\"fin-video__play-btn\" role=\"button\" aria-label=\"Play video\"><\/div>\n                <iframe allow=\"autoplay\" class=\"fin-video__player\" id=\"ytPlayer-pEqwfDDJfGk\" title=\"Video player\"><\/iframe>\n    <\/div>\n        <\/div>\n<h3>Consumer credit card sentiment<\/h3><div class=\"u-grid\"><div class=\"u-grid__col u-1\/2@s\"><p>The start of the year is typically a time of housekeeping and planning. Paying off holiday bills, setting budgets, and reevaluating financial products, including credit cards.<\/p><p>And it turns out Canadians are wary of taking on more debt in 2022 with three times as many people saying they will use their credit card less this year or stop entirely (20%), as compared to those saying they will use their card more (5%).<\/p><p>1.6 million Canadians (5%) say they plan to switch or have a card that doesn\u2019t meet their needs. An additional 3% of Canadians say their credit card brings them stress.<\/p><\/div><div class=\"u-grid__col u-1\/2@s\"><p><iframe id=\"datawrapper-chart-bw5HW\" title=\"\" height=\"607\" frameborder=\"0\" scrolling=\"no\" aria-label=\"Grouped Column Chart\" data-external=\"1\" data-src=\"https:\/\/datawrapper.dwcdn.net\/bw5HW\/6\/\"><\/iframe><script type=\"text\/javascript\">!function(){\"use strict\";window.addEventListener(\"message\",(function(e){if(void 0!==e.data[\"datawrapper-height\"]){var t=document.querySelectorAll(\"iframe\");for(var a in e.data[\"datawrapper-height\"])for(var r=0;r<t.length;r++){if(t&#091;r&#093;.contentWindow===e.source)t&#091;r&#093;.style.height=e.data&#091;\"datawrapper-height\"&#093;&#091;a&#093;+\"px\"}}}))}();<\/script><\/p><\/div><\/div><hr><h3>Credit Card Features - 2022 Ranking<\/h3><div class=\"u-grid\"><div class=\"u-grid__col u-1\/2@s\"><p><iframe id=\"datawrapper-chart-VyzAm\" title=\"Features Canadians want most in a credit card \" height=\"219\" frameborder=\"0\" scrolling=\"no\" aria-label=\"Bar Chart\" data-external=\"1\" data-src=\"https:\/\/datawrapper.dwcdn.net\/VyzAm\/3\/\"><\/iframe><script type=\"text\/javascript\">!function(){\"use strict\";window.addEventListener(\"message\",(function(e){if(void 0!==e.data[\"datawrapper-height\"]){var t=document.querySelectorAll(\"iframe\");for(var a in e.data[\"datawrapper-height\"])for(var r=0;r<t.length;r++){if(t&#091;r&#093;.contentWindow===e.source)t&#091;r&#093;.style.height=e.data&#091;\"datawrapper-height\"&#093;&#091;a&#093;+\"px\"}}}))}();<\/script><\/p><\/div><div class=\"u-grid__col u-1\/2@s\"><p>We asked Canadians which credit card perks mattered to them most in 2022. Unsurprisingly, the number one focus was low interest rates, which 26.5% or 8.2 million Canadians cited as their top priority in a card.<\/p><p>Coming in a close second are cards which offer rewards programs and points with 24.6% or 7.6 million prioritizing this category. The third highest focus for 19.2% or 5.9 million Canadians is to earn cash back in a credit card. Closely following cash back is 18.9% or 5.8 million Canadians looking for a low-annual fee on their credit card.<\/p><p>Rounding out the list is travel, with 9.5% or 2.9 million Canadians looking for their credit card to provide travel miles, points or other perks. Finally, being a more niche category focused on debt consolidation and repayment is balance transfer cards, with just 4.9% or 1.5 million Canadians citing this as a key priority in their credit card.<\/p><\/div><\/div><hr><h3>Demographic Trends<\/h3><h4>Gender<\/h4><ul><li>Men are more likely to say they plan to switch cards this year (3% vs 2%) for women.<\/li><li>Women are more likely to say they will use their credit card less (12% vs 9%)<\/li><li>Men are slightly more likely to care about rewards (25% vs 23% of women) and balance transfer (6% vs 4% of women)<\/li><\/ul><h4>Generation<\/h4><p>On average 21% of older Canadians aged 45 - 65+ say they plan to use their credit card less or stop entirely versus an average of just 18% of younger Canadians aged 18 - 44<\/p><ul><li>Canadians aged 25 - 34 (5%) are most likely to have a card that doesn't meet their current needs or that brings them stress (5%)<\/li><li>Canadians aged 18 - 24 (6%) are more likely than any other generation to say they plan to use their card more<\/li><li>Younger Canadians aged 18 - 34 more likely to say they prefer rewards credit cards<\/li><li>Seniors also most likely to say they care about low interest rate cards (20%)<\/li><\/ul><h4>Region<\/h4><p>Overall Western Canadians seem to be more satisfied with their credit cards, as just 3% of Western Canadians (BC, SK, MB, AB) say they have a credit card that doesn't meet their needs or plan to switch cards vs more than 7% of Eastern Canadians (ON, QC, Atlantic)<\/p><hr><div class=\"content\"><h2>Providers we compared<\/h2><table class=\"luna-table luna-table--responsiveList\"><thead class=\"luna-table__header\"><tr><th scope=\"col\">Lender<\/th><th scope=\"col\">Review<\/th><\/tr><\/thead><tbody class=\"luna-table__body\"><tr><td data-title=\"Credit Card Provider\"><img decoding=\"async\" class=\"alignright size-full wp-image-124473\" title=\"Image: Supplied\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2018\/08\/americanexpress_250_250.png\" alt=\"American Express logoAmerican Express\" width=\"250\" height=\"250\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2018\/08\/americanexpress_250_250.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2018\/08\/americanexpress_250_250.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2018\/08\/americanexpress_250_250.png?fit=600 600w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2018\/08\/americanexpress_250_250.png?fit=750 750w\" sizes=\"(max-width: 750px) 100vw, 750px\" loading=\"lazy\"><\/td><td style=\"vertical-align: middle;\" data-title=\"\"><a href=\"https:\/\/www.finder.com\/ca\/credit-cards\/american-express\">American Express<\/a><\/td><td style=\"vertical-align: middle;\" data-title=\"Review\">American Express offers a range of credit cards to cater to all types of customers, as well as the exclusive Experiences rewards program.<\/td><td style=\"vertical-align: middle;\" data-title=\"\"><a class=\"luna-button luna-button--success luna-button\" href=\"https:\/\/www.finder.com\/ca\/credit-cards\/american-express\" type=\"button\">See the range<\/a><\/td><\/tr><tr><td data-title=\"Credit Card Provider\"><img decoding=\"async\" class=\"alignright size-full wp-image-124473\" title=\"Image: Supplied\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2019\/09\/BMOLogo_Supplied_250x250.jpg\" alt=\"BMO logo\" width=\"250\" height=\"250\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2019\/09\/BMOLogo_Supplied_250x250.jpg?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2019\/09\/BMOLogo_Supplied_250x250.jpg?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2019\/09\/BMOLogo_Supplied_250x250.jpg?fit=600 600w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2019\/09\/BMOLogo_Supplied_250x250.jpg?fit=750 750w\" sizes=\"(max-width: 750px) 100vw, 750px\" loading=\"lazy\"><\/td><td style=\"vertical-align: middle;\" data-title=\"\"><a href=\"https:\/\/www.finder.com\/ca\/credit-cards\/bmo-credit-cards\">BMO<\/a><\/td><td style=\"vertical-align: middle;\" data-title=\"Review\">BMO has some of the most competitive balance transfer and low rate credit card options, as well as a range of travel, cash back and rewards cards. BMO is a Big Five bank.<\/td><td style=\"vertical-align: middle;\" data-title=\"\"><a class=\"luna-button luna-button--success luna-button\" href=\"https:\/\/www.finder.com\/ca\/credit-cards\/bmo-credit-cards\">See the range<\/a><\/td><\/tr><tr><td data-title=\"Credit Card Provider\"><img decoding=\"async\" class=\"alignright size-full wp-image-124473\" title=\"Image: Supplied\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2021\/10\/brim_supplied_250x250.png\" alt=\"Brim logo\" width=\"250\" height=\"250\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2021\/10\/brim_supplied_250x250.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2021\/10\/brim_supplied_250x250.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2021\/10\/brim_supplied_250x250.png?fit=600 600w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2021\/10\/brim_supplied_250x250.png?fit=750 750w\" sizes=\"(max-width: 750px) 100vw, 750px\" loading=\"lazy\"><\/td><td style=\"vertical-align: middle;\" data-title=\"\"><a href=\"https:\/\/www.finder.com\/ca\/credit-cards\/brim-financial\">Brim<\/a><\/td><td style=\"vertical-align: middle;\" data-title=\"Review\">New to the credit card market, Brim is an innovative company with cards offering cash back in points that can be used to pay off your credit card balance.<\/td><td style=\"vertical-align: middle;\" data-title=\"\"><a class=\"luna-button luna-button--success luna-button\" href=\"https:\/\/www.finder.com\/ca\/credit-cards\/brim-financial\">See the range<\/a><\/td><\/tr><tr><td data-title=\"Credit Card Provider\"><img decoding=\"async\" class=\"alignright size-full wp-image-124473\" title=\"Image: Supplied\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2019\/10\/Capital-One-logo_supplied_250x250.jpg\" alt=\"Capital One logo\" width=\"250\" height=\"250\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2019\/10\/Capital-One-logo_supplied_250x250.jpg?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2019\/10\/Capital-One-logo_supplied_250x250.jpg?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2019\/10\/Capital-One-logo_supplied_250x250.jpg?fit=600 600w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2019\/10\/Capital-One-logo_supplied_250x250.jpg?fit=750 750w\" sizes=\"(max-width: 750px) 100vw, 750px\" loading=\"lazy\"><\/td><td style=\"vertical-align: middle;\" data-title=\"\"><a href=\"https:\/\/www.finder.com\/ca\/credit-cards\/capital-one\">Capital One<\/a><\/td><td style=\"vertical-align: middle;\" data-title=\"Review\">Capital One offers credit-builder cards for those looking to improve their credit score, as well as competitive rewards cards.<\/td><td style=\"vertical-align: middle;\" data-title=\"\"><a class=\"luna-button luna-button--success luna-button\" href=\"https:\/\/www.finder.com\/ca\/credit-cards\/capital-one\">See the range<\/a><\/td><\/tr><tr><td data-title=\"Credit Card Provider\"><img decoding=\"async\" class=\"alignright size-full wp-image-124473\" title=\"Image: Supplied\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2021\/06\/cibc_supplied_250x250.png\" alt=\"CIBC logo\" width=\"250\" height=\"250\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2021\/06\/cibc_supplied_250x250.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2021\/06\/cibc_supplied_250x250.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2021\/06\/cibc_supplied_250x250.png?fit=600 600w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2021\/06\/cibc_supplied_250x250.png?fit=750 750w\" sizes=\"(max-width: 750px) 100vw, 750px\" loading=\"lazy\"><\/td><td style=\"vertical-align: middle;\" data-title=\"\"><a href=\"https:\/\/www.finder.com\/ca\/credit-cards\/cibc-credit-cards\">CIBC<\/a><\/td><td style=\"vertical-align: middle;\" data-title=\"Review\">One of the Big Five banks, CIBC has a wide variety of credit card products, with rewards, cash back, student and business cards.<\/td><td style=\"vertical-align: middle;\" data-title=\"\"><a class=\"luna-button luna-button--success luna-button\" href=\"https:\/\/www.finder.com\/ca\/credit-cards\/cibc-credit-cards\">See the range<\/a><\/td><\/tr><tr><td data-title=\"Credit Card Provider\"><img decoding=\"async\" class=\"alignright size-full wp-image-124473\" title=\"Image: Supplied\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2019\/12\/Desjardins_Supplied_250x250.jpg\" alt=\"Desjardins logo\" width=\"250\" height=\"250\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2019\/12\/Desjardins_Supplied_250x250.jpg?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2019\/12\/Desjardins_Supplied_250x250.jpg?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2019\/12\/Desjardins_Supplied_250x250.jpg?fit=600 600w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2019\/12\/Desjardins_Supplied_250x250.jpg?fit=750 750w\" sizes=\"(max-width: 750px) 100vw, 750px\" loading=\"lazy\"><\/td><td style=\"vertical-align: middle;\" data-title=\"\"><a href=\"https:\/\/www.finder.com\/ca\/credit-cards\/desjardins\">Desjardins<\/a><\/td><td style=\"vertical-align: middle;\" data-title=\"Review\">The Desjardins Group is a financial services cooperative and the largest federation of credit unions in North America. It offers a range of cards including cash back, rewards, student cards and no annual fee.<\/td><td style=\"vertical-align: middle;\" data-title=\"\"><a class=\"luna-button luna-button--success luna-button\" href=\"https:\/\/www.finder.com\/ca\/credit-cards\/desjardins\">See the range<\/a><\/td><\/tr><tr><td data-title=\"Credit Card Provider\"><img decoding=\"async\" class=\"alignright size-full wp-image-124473\" title=\"Image: Supplied\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2021\/10\/hometrust_supplied_250x250.png\" alt=\"Home Trust logo\" width=\"250\" height=\"250\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2021\/10\/hometrust_supplied_250x250.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2021\/10\/hometrust_supplied_250x250.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2021\/10\/hometrust_supplied_250x250.png?fit=600 600w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2021\/10\/hometrust_supplied_250x250.png?fit=750 750w\" sizes=\"(max-width: 750px) 100vw, 750px\" loading=\"lazy\"><\/td><td style=\"vertical-align: middle;\" data-title=\"\"><a href=\"https:\/\/www.finder.com\/ca\/credit-cards\/hometrust\">Home Trust<\/a><\/td><td style=\"vertical-align: middle;\" data-title=\"Review\">Home Trust has a small offering of credit cards which cater to those looking to rebuild credit, access home equity or earn cash back.<\/td><td style=\"vertical-align: middle;\" data-title=\"\"><a class=\"luna-button luna-button--success luna-button\" href=\"https:\/\/www.finder.com\/ca\/credit-cards\/hometrust\">See the range<\/a><\/td><\/tr><tr><td data-title=\"Credit Card Provider\"><img decoding=\"async\" class=\"alignright size-full wp-image-124473\" title=\"Image: Supplied\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2018\/06\/MBNA250x250.png\" alt=\"MBNA logo\" width=\"250\" height=\"250\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2018\/06\/MBNA250x250.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2018\/06\/MBNA250x250.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2018\/06\/MBNA250x250.png?fit=600 600w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2018\/06\/MBNA250x250.png?fit=750 750w\" sizes=\"(max-width: 750px) 100vw, 750px\" loading=\"lazy\"><\/td><td style=\"vertical-align: middle;\" data-title=\"\"><a href=\"https:\/\/www.finder.com\/ca\/credit-cards\/mbna\">MBNA<\/a><\/td><td style=\"vertical-align: middle;\" data-title=\"Review\">A subsidiary of TD, MBNA offers a wide range of credit cards including co-branded cards, rewards, travel, balance transfer and cash back.<\/td><td style=\"vertical-align: middle;\" data-title=\"\"><a class=\"luna-button luna-button--success luna-button\" href=\"https:\/\/www.finder.com\/ca\/credit-cards\/mbna\">See the range<\/a><\/td><\/tr><tr><td data-title=\"Credit Card Provider\"><img decoding=\"async\" class=\"alignright size-full wp-image-124473\" title=\"Image: Supplied\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2019\/09\/National-Bank-logo-squared_Finder_250x250.jpg\" alt=\"National Bank logo\" width=\"250\" height=\"250\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2019\/09\/National-Bank-logo-squared_Finder_250x250.jpg?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2019\/09\/National-Bank-logo-squared_Finder_250x250.jpg?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2019\/09\/National-Bank-logo-squared_Finder_250x250.jpg?fit=600 600w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2019\/09\/National-Bank-logo-squared_Finder_250x250.jpg?fit=750 750w\" sizes=\"(max-width: 750px) 100vw, 750px\" loading=\"lazy\"><\/td><td style=\"vertical-align: middle;\" data-title=\"\"><a href=\"https:\/\/www.finder.com\/ca\/credit-cards\/national-bank\">National Bank<\/a><\/td><td style=\"vertical-align: middle;\" data-title=\"Review\">The sixth largest bank in Canada, National Bank offers a suite of credit cards alongside the \u00c0 la carte Rewards Plan.<\/td><td style=\"vertical-align: middle;\" data-title=\"\"><a class=\"luna-button luna-button--success luna-button\" href=\"https:\/\/www.finder.com\/ca\/credit-cards\/national-bank\">See the range<\/a><\/td><\/tr><tr><td data-title=\"Credit Card Provider\"><img decoding=\"async\" class=\"alignright size-full wp-image-124473\" title=\"Image: Supplied\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2021\/10\/neo_supplied_250x250.png\" alt=\"Neo Financial logo\" width=\"250\" height=\"250\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2021\/10\/neo_supplied_250x250.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2021\/10\/neo_supplied_250x250.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2021\/10\/neo_supplied_250x250.png?fit=600 600w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2021\/10\/neo_supplied_250x250.png?fit=750 750w\" sizes=\"(max-width: 750px) 100vw, 750px\" loading=\"lazy\"><\/td><td style=\"vertical-align: middle;\" data-title=\"\"><a href=\"https:\/\/www.finder.com\/ca\/credit-cards\/neo-financial-credit-card-review\">Neo<\/a><\/td><td style=\"vertical-align: middle;\" data-title=\"Review\">Neo Financial is a Canadian tech company that offers a Mastercard branded cash back card. The company also offers the Hudson's Bay Mastercard.<\/td><td style=\"vertical-align: middle;\" data-title=\"\"><a class=\"luna-button luna-button--success luna-button\" href=\"https:\/\/www.finder.com\/ca\/credit-cards\/neo-financial-credit-card-review\">See the range<\/a><\/td><\/tr><tr><td data-title=\"Credit Card Provider\"><img decoding=\"async\" class=\"alignright size-full wp-image-124473\" title=\"Image: Supplied\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2018\/07\/PC-Financial-featured.png\" alt=\"PC Financial logo\" width=\"250\" height=\"250\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2018\/07\/PC-Financial-featured.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2018\/07\/PC-Financial-featured.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2018\/07\/PC-Financial-featured.png?fit=600 600w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2018\/07\/PC-Financial-featured.png?fit=750 750w\" sizes=\"(max-width: 750px) 100vw, 750px\" loading=\"lazy\"><\/td><td style=\"vertical-align: middle;\" data-title=\"\"><a href=\"https:\/\/www.finder.com\/ca\/credit-cards\/pc-financial\">PC Financial<\/a><\/td><td style=\"vertical-align: middle;\" data-title=\"Review\">President's Choice Bank powers the President's Choice Financial Mastercard. Earn and redeem PC Optimum points at 4,500 locations across Canada including Shoppers Drug Mart and Loblaws.<\/td><td style=\"vertical-align: middle;\" data-title=\"\"><a class=\"luna-button luna-button--success luna-button\" href=\"https:\/\/www.finder.com\/ca\/credit-cards\/pc-financial\">See the range<\/a><\/td><\/tr><tr><td data-title=\"Credit Card Provider\"><img decoding=\"async\" class=\"alignright size-full wp-image-124473\" title=\"Image: Supplied\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2019\/12\/RBCLogo_Supplied_250x250.jpg\" alt=\"RBC logo\" width=\"250\" height=\"250\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2019\/12\/RBCLogo_Supplied_250x250.jpg?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2019\/12\/RBCLogo_Supplied_250x250.jpg?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2019\/12\/RBCLogo_Supplied_250x250.jpg?fit=600 600w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2019\/12\/RBCLogo_Supplied_250x250.jpg?fit=750 750w\" sizes=\"(max-width: 750px) 100vw, 750px\" loading=\"lazy\"><\/td><td style=\"vertical-align: middle;\" data-title=\"\"><a href=\"https:\/\/www.finder.com\/ca\/credit-cards\/rbc-credit-cards\">RBC<\/a><\/td><td style=\"vertical-align: middle;\" data-title=\"Review\">One of the Big Five banks, RBC is the biggest bank in Canada by market capitalization. RBC offers a range of credit cards including rewards, travel, cash back, balance transfer, no annual fee, business and low rate cards.<\/td><td style=\"vertical-align: middle;\" data-title=\"\"><a class=\"luna-button luna-button--success luna-button\" href=\"https:\/\/www.finder.com\/ca\/credit-cards\/rbc-credit-cards\">See the range<\/a><\/td><\/tr><tr><td data-title=\"Credit Card Provider\"><img decoding=\"async\" class=\"alignright size-full wp-image-124473\" title=\"Image: Supplied\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2021\/10\/rogersbank_supplied_250x250.png\" alt=\"Rogers Bank logo\" width=\"250\" height=\"250\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2021\/10\/rogersbank_supplied_250x250.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2021\/10\/rogersbank_supplied_250x250.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2021\/10\/rogersbank_supplied_250x250.png?fit=600 600w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2021\/10\/rogersbank_supplied_250x250.png?fit=750 750w\" sizes=\"(max-width: 750px) 100vw, 750px\" loading=\"lazy\"><\/td><td style=\"vertical-align: middle;\" data-title=\"\"><a href=\"https:\/\/www.finder.com\/ca\/credit-cards\/rogers-credit-cards\">Rogers Bank<\/a><\/td><td style=\"vertical-align: middle;\" data-title=\"Review\">Rogers Bank is a Canadian financial services company owned by Rogers Communications. The company offers both secured and unsecured Mastercard credit cards.<\/td><td style=\"vertical-align: middle;\" data-title=\"\"><a class=\"luna-button luna-button--success luna-button\" href=\"https:\/\/www.finder.com\/ca\/credit-cards\/rogers-credit-cards\">See the range<\/a><\/td><\/tr><tr><td data-title=\"Credit Card Provider\"><img decoding=\"async\" class=\"alignright size-full wp-image-124473\" title=\"Image: Supplied\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2020\/06\/Scotiabanklogo_Supplied_250x250.jpg\" alt=\"Scotiabank logo\" width=\"250\" height=\"250\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2020\/06\/Scotiabanklogo_Supplied_250x250.jpg?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2020\/06\/Scotiabanklogo_Supplied_250x250.jpg?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2020\/06\/Scotiabanklogo_Supplied_250x250.jpg?fit=600 600w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2020\/06\/Scotiabanklogo_Supplied_250x250.jpg?fit=750 750w\" sizes=\"(max-width: 750px) 100vw, 750px\" loading=\"lazy\"><\/td><td style=\"vertical-align: middle;\" data-title=\"\"><a href=\"https:\/\/www.finder.com\/ca\/credit-cards\/scotiabank-credit-cards\">Scotiabank<\/a><\/td><td style=\"vertical-align: middle;\" data-title=\"Review\">Scotiabank is a Big Five bank that operates nationwide and has a big presence in the Americas too. A suite of credit cards are offered including travel, rewards, cash back, balance transfer and low rate cards.<\/td><td style=\"vertical-align: middle;\" data-title=\"\"><a class=\"luna-button luna-button--success luna-button\" href=\"https:\/\/www.finder.com\/ca\/credit-cards\/scotiabank-credit-cards\">See the range<\/a><\/td><\/tr><tr><td data-title=\"Credit Card Provider\"><img decoding=\"async\" class=\"alignright size-full wp-image-124473\" title=\"Image: Supplied\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2021\/03\/simplii_financial_logo_supplied_250x250.jpg\" alt=\"Simplii Financial logo\" width=\"250\" height=\"250\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2021\/03\/simplii_financial_logo_supplied_250x250.jpg?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2021\/03\/simplii_financial_logo_supplied_250x250.jpg?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2021\/03\/simplii_financial_logo_supplied_250x250.jpg?fit=600 600w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2021\/03\/simplii_financial_logo_supplied_250x250.jpg?fit=750 750w\" sizes=\"(max-width: 750px) 100vw, 750px\" loading=\"lazy\"><\/td><td style=\"vertical-align: middle;\" data-title=\"\"><a href=\"https:\/\/www.finder.com\/ca\/credit-cards\/cash-back-credit-cards\/simplii-financial-cash-back-visa-card\">Simplii Financial<\/a><\/td><td style=\"vertical-align: middle;\" data-title=\"Review\">Simplii Financial is the direct banking brand of CIBC. Founded in 2017, the bank offers a cash back credit card.<\/td><td style=\"vertical-align: middle;\" data-title=\"\"><a class=\"luna-button luna-button--success luna-button\" href=\"https:\/\/www.finder.com\/ca\/credit-cards\/cash-back-credit-cards\/simplii-financial-cash-back-visa-card\">See the range<\/a><\/td><\/tr><tr><td data-title=\"Credit Card Provider\"><img decoding=\"async\" class=\"alignright size-full wp-image-124473\" title=\"Image: Supplied\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2019\/12\/TangerineLogo_Supplied_250x250.jpg\" alt=\"Tangerine logo\" width=\"250\" height=\"250\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2019\/12\/TangerineLogo_Supplied_250x250.jpg?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2019\/12\/TangerineLogo_Supplied_250x250.jpg?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2019\/12\/TangerineLogo_Supplied_250x250.jpg?fit=600 600w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2019\/12\/TangerineLogo_Supplied_250x250.jpg?fit=750 750w\" sizes=\"(max-width: 750px) 100vw, 750px\" loading=\"lazy\"><\/td><td style=\"vertical-align: middle;\" data-title=\"\"><a href=\"https:\/\/www.finder.com\/ca\/credit-cards\/tangerine-credit-cards\">Tangerine<\/a><\/td><td style=\"vertical-align: middle;\" data-title=\"Review\">Tangerine Bank is a subsidiary of Scotiabank. It offers cash back credit cards that typically come with sign-up bonuses and insurance coverage.<\/td><td style=\"vertical-align: middle;\" data-title=\"\"><a class=\"luna-button luna-button--success luna-button\" href=\"https:\/\/www.finder.com\/ca\/credit-cards\/tangerine-credit-cards\">See the range<\/a><\/td><\/tr><tr><td data-title=\"Credit Card Provider\"><img decoding=\"async\" class=\"alignright size-full wp-image-124473\" title=\"Image: Supplied\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2019\/08\/TDLogo_Supplied_250x250.jpg\" alt=\"TD logo\" width=\"250\" height=\"250\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2019\/08\/TDLogo_Supplied_250x250.jpg?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2019\/08\/TDLogo_Supplied_250x250.jpg?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2019\/08\/TDLogo_Supplied_250x250.jpg?fit=600 600w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2019\/08\/TDLogo_Supplied_250x250.jpg?fit=750 750w\" sizes=\"(max-width: 750px) 100vw, 750px\" loading=\"lazy\"><\/td><td style=\"vertical-align: middle;\" data-title=\"\"><a href=\"https:\/\/www.finder.com\/ca\/credit-cards\/td-credit-cards\">TD<\/a><\/td><td style=\"vertical-align: middle;\" data-title=\"Review\">TD Canada Trust is a Big Five bank offering a range of credit cards including travel, rewards, cash back, low rate and balance transfer cards.<\/td><td style=\"vertical-align: middle;\" data-title=\"\"><a class=\"luna-button luna-button--success luna-button\" href=\"https:\/\/www.finder.com\/ca\/credit-cards\/td-credit-cards\">See the range<\/a><\/td><\/tr><tr><td data-title=\"Credit Card Provider\"><img decoding=\"async\" class=\"alignright size-full wp-image-124473\" title=\"Image: Supplied\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2021\/10\/canadiantire_supplied_250x250.png\" alt=\"Canadian Tire Triangle logo\" width=\"250\" height=\"250\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2021\/10\/canadiantire_supplied_250x250.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2021\/10\/canadiantire_supplied_250x250.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2021\/10\/canadiantire_supplied_250x250.png?fit=600 600w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2021\/10\/canadiantire_supplied_250x250.png?fit=750 750w\" sizes=\"(max-width: 750px) 100vw, 750px\" loading=\"lazy\"><\/td><td style=\"vertical-align: middle;\" data-title=\"\"><a href=\"https:\/\/www.finder.com\/ca\/credit-cards\/canadian-tire\">Triangle<\/a><\/td><td style=\"vertical-align: middle;\" data-title=\"Review\">Triangle offers a range of Mastercard credit cards issued by Canadian Tire Bank. Earn CT Money and use it at a range of stores including Canadian Tire, Sport Chek and more.<\/td><td style=\"vertical-align: middle;\" data-title=\"\"><a class=\"luna-button luna-button--success luna-button\" href=\"https:\/\/www.finder.com\/ca\/credit-cards\/canadian-tire\">See the range<\/a><\/td><\/tr><\/tbody><\/table><div><h3 id=\"methodology\">Credit card ratings methodology<\/h3><p>Finder considered all widely available credit card products for the Finder Credit Card Awards, including those from all major banks and challenger banks. Any credit card products that were excluded from consideration were excluded on the basis of very limited availability to the average Canadian (regardless of province of residence) OR if the card could not be used at a wide range of retailers\/service providers.<\/p><p>To get a full breakdown of the methodology used to select the best travel, rewards, cash back, no annual fee, balance transfer and low rate cards, see above.<\/p><p><i data-stringify-type=\"italic\">Evaluation took place in September and October 2021 with awards consideration closing October 31, 2021. Any new card features or details announced after October 31, 2021 would not have been factored into evaluation for the 2021 Finder Credit Card Awards.<\/i><\/p><\/div><\/div><\/div>","protected":false},"excerpt":{"rendered":"<p>Find out the most loved credit card brands in our latest survey of card customers.<\/p>\n","protected":false},"author":452,"featured_media":364567,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"apple_news_api_created_at":"","apple_news_api_id":"","apple_news_api_modified_at":"","apple_news_api_revision":"","apple_news_api_share_url":"","apple_news_cover_media_provider":"image","apple_news_coverimage":0,"apple_news_coverimage_caption":"","apple_news_cover_video_id":0,"apple_news_cover_video_url":"","apple_news_cover_embedwebvideo_url":"","apple_news_is_hidden":"","apple_news_is_paid":"","apple_news_is_preview":"","apple_news_is_sponsored":"","apple_news_maturity_rating":"","apple_news_metadata":"\"\"","apple_news_pullquote":"","apple_news_pullquote_position":"","apple_news_slug":"","apple_news_sections":[],"apple_news_suppress_video_url":false,"apple_news_use_image_component":false,"footnotes":""},"categories":[91],"tags":[],"asset_tag":[],"class_list":["post-945272","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-cards"],"apple_news_notices":[],"yoast_head":"<!-- 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