Comparison tool
Compare Canadian credit cards side by side.
10 cards from Canada's major issuers, sorted by what actually decides the answer: the annual fee, the earn rate, and the issuer's published eligibility requirements. Filter by what you're looking for, then expand any row for the full breakdown.
"Best for" is NavoFin's editorial summary, not an issuer claim. It considers the annual fee, earn structure, category caps, published income requirements and foreign-currency costs. Your result depends on your own spending.
Rates and terms verified August 12, 2026. Issuers change offers without notice — always confirm on the issuer's own page before applying. Some links on this site are affiliate links; see how we make money.
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Showing 10 of 10 cards
| Headline earn | Best for | Details | |||
|---|---|---|---|---|---|
Scotiabank Scene+ Visa Scotiabank · Visa | None | 2 Scene+ points per $1 at select partners | Not published | No-fee Scene+ earning and eligible Shell Go+ savings | |
Tangerine Money-Back Credit Card Tangerine · Mastercard | None | 2% in selected categories | $12,000 | No-fee cash back with categories you can choose | |
Rogers Red World Elite Mastercard Rogers Bank · Mastercard | None | 3% on USD; 1.5%–2% elsewhere | $80,000 | Eligible Rogers customers and frequent U.S.-dollar spend | |
BMO CashBack Mastercard BMO · Mastercard | None | 3% groceries (first $500/statement) | Not published | No-fee grocery cash back within the statement-period cap | |
MBNA True Line Mastercard MBNA · Mastercard | None | No rewards — 12.99% purchase rate | Not published | Reducing interest while paying down an eligible transferred balance | |
Scotia Momentum Visa Infinite+ Scotiabank · Visa | $120 | 4% groceries & recurring bills | $60,000 | Households with substantial grocery and recurring-bill spending | |
CIBC Dividend Visa Infinite CIBC · Visa | $120 | 4% gas, EV charging & groceries | $60,000 | High eligible gas and grocery spending within the annual cap | |
TD Aeroplan Visa Infinite TD · Visa | $139 | 1.5x gas, EV charging, grocery & Air Canada | $60,000 | Air Canada travellers who can use the Aeroplan benefits | |
American Express Cobalt Card American Express · Amex | Billed at $15.99 per month ($191.88 per year) | 5x on eligible eats & drinks (capped) | Not published | High eligible food and grocery spending where Amex is accepted | |
The Platinum Card American Express · Amex | $799 | 2x eligible dining & travel | Not published | Frequent travellers who will use the included credits and lounge benefits |