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 whether you'll get approved. Filter by what you're looking for, then expand any row for the full breakdown.
Rates and terms verified August 5, 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 | |||
|---|---|---|---|---|---|
Scene+ Visa Scotiabank · Visa | None | 2 Scene+ per $1 at Sobeys/Safeway | Not published | A free card to pair with a Shell/Scene+ fuel discount | |
Money-Back Credit Card Tangerine · Mastercard | None | 2% in categories you pick | $12,000 | Anyone who wants no fee but real control over categories | |
Red World Elite Mastercard Rogers Bank · Mastercard | None | Flat cashback + USD rebate | $80,000 | Cross-border shoppers and USD subscriptions | |
CashBack Mastercard BMO · Mastercard | None | 3% groceries | Not published | A no-fee grocery card that doubles as a transfer landing spot | |
True Line Mastercard MBNA · Mastercard | None | No rewards — low rate | Not published | Carrying a balance down rather than earning points | |
Momentum Visa Infinite Scotiabank · Visa | $120 | 4% groceries & recurring bills | $60,000 | Households with heavy grocery and utility spend | |
Dividend Visa Infinite CIBC · Visa | $120 | 4% gas & EV charging | $60,000 | Commuters — the best straight gas rate among big-bank cards | |
Aeroplan Visa Infinite TD · Visa | $139 | 1.5x on gas, grocery & Air Canada | $60,000 | Air Canada flyers out of a hub airport | |
Cobalt Card American Express · Amex | $156 | 5x on eats & drinks | Not published | Renters and city dwellers whose biggest line item is food | |
The Platinum Card American Express · Amex | $799 | 2x dining & travel | Not published | Frequent travellers who will actually use the credits |
Not sure which row is yours?
A table can rank cards. It can't weigh your grocery bill against your commute against the two trips you take a year. The Adviser asks about your actual spending and does that math out loud.
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