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We present the Milesopedia 2026 Awards for:
You can find our methodology here.
As last year, our Ranking also includes the vote of the Milesopedia community members for specific awards.
The best credit cards in 2026 for everyday life:
The best credit cards in 2026 for travel:
The best credit cards in 2026 by client profile:
The best credit cards in 2026 according to the Milesopedia Community and Milesopedia network statistics (Milesopedia.com and partners):
The best loyalty programs in 2026 according to the Milesopedia Community:
The best bank accounts in 2026 according to Milesopedia:
For this 2026 edition, we have divided credit cards into 4 main categories:
In 2025-2026, the economic context profoundly changed consumer habits. In an inflationary environment, exacerbated by the tariff war led by the United States, Canadians are looking for products that allow them to save on many spending categories, such as groceries, gas, recurring bills, or pharmacy purchases.
The credit cards below all distinguished themselves in 2025 in their respective categories by offering more to their cardholders than their competitors. These are therefore the ones we have selected as the best credit cards in Canada in 2026 for everyday life.
The Scotiabank Momentum Visa Infinite Card is the best Cash Back credit card in Canada in 2026 for these reasons:
Here are 3 other credit card choices in this category:
The CIBC Dividend® Visa* Card is the best cash back credit card with no annual fee in Canada in 2026 for these reasons:
The American Express® Green Card is the best no-fee travel credit card in Canada for 2026 for these reasons:
The Scotiabank Gold American Express Card is the best credit card for groceries in Canada in 2026 for these reasons:
The American Express Cobalt® Card is the best credit card for restaurants in Canada in 2026 for these reasons:
The CIBC Select Visa* Card is the best credit card for balance transfers in Canada in 2026:
The Scotiabank Value Visa Card is the best low interest rate credit card in Canada in 2026 for these reasons:
Following the pandemic, we have observed that travelers are looking for more comfort, insurance, and savings.
Thus, credit cards offering airport lounge access, travel credits to enhance comfort, insurance to guard against any unforeseen events, or the absence of foreign currency conversion fees stood out in this ranking.
Here are the best travel rewards credit cards in Canada in 2026.
The National Bank World Elite Mastercard is the best Travel credit card in Canada in 2026 for these reasons:
The TD First Class Travel® Visa Infinite* Card is the best credit card for travel rewards in Canada in 2026 for these reasons:
The Scotiabank Passport Visa Infinite Card is the best credit card with no foreign transaction fees in Canada in 2026 for these reasons:
The TD® Aeroplan® Visa Infinite* Card is the best airline credit card in Canada in 2026 for these reasons:
The American Express Platinum Card® is the best premium credit card in Canada in 2026 for these reasons:
The American Express® Aeroplan®* Reserve Card is the best credit card for frequent travelers in Canada in 2026 for these reasons:
Every consumer profile is different, and evolves from year to year as needs change.
This year, thanks to the feedback we’ve received from members of the Milesopedia community, we’ve decided to refine our ranking to better suit each type of profile.
For example:
This ranking also lists the best cards for entrepreneurs.
Here are the best credit cards in Canada in 2026 by client profile.
The CIBC Dividend® Visa* Card for Students is the best credit card for students in Canada in 2026 for these reasons:
The National Bank Platinum Mastercard is the best credit card for young professionals in Canada in 2026 for these reasons:
The Business Platinum Card® from American Express is the best business credit card in Canada in 2026 for these reasons:
Milesopedia has significant monthly traffic both on its website (Milesopedia.com) and on its subdomains, which are used by our affiliate partners through our white-label credit card comparison tool. Thanks to this highly qualified traffic – since we’re talking about consumers looking for a financial product – we’re able to determine which credit cards are the most frequently consulted and, ultimately, the most subscribed to throughout our “Milesopedia network”.
We have decided to divide this part of the ranking according to the three main credit card networks.
We also surveyed members of the Milesopedia community to determine, according to them, the best credit cards in the two main categories: Cash Back and Travel. This year, a third category was added: Business.
Here is the ranking of the best credit cards in Canada in 2026 according to the Milesopedia community and network (Milesopedia.com and affiliated partners).
The Scotiabank Gold American Express Card is the best American Express credit card in Canada in 2026 for these reasons:
The National Bank World Elite Mastercard is the best Mastercard credit card in Canada in 2026 for these reasons:
The CIBC Aventura® Visa Infinite* Card is the Best Visa credit card in Canada in 2026 for these reasons:
The Scotiabank Gold American Express Card is the best cash back credit card according to the Milesopedia community in 2026 for these reasons:
Here are the other 2 cards completing the Milesopedia community vote in this category:
The American Express Cobalt® Card is the best travel credit card according to the Milesopedia Community in 2026 for these reasons:
The Marriott Bonvoy® Business American Express®* Card is the best Business credit card according to the Milesopedia Community in 2026 for these reasons:
For this 2026 edition, we asked Milesopedia Community members to vote for the best loyalty programs they use daily.
The Aeroplan loyalty program was voted best airline program according to the Milesopedia Community in 2026 for these reasons, mentioned by voters:
Here are the 2 other loyalty programs completing the Milesopedia Community vote in this category:
The Marriott Bonvoy loyalty program was voted best hotel program according to the Milesopedia Community in 2026 for these reasons, mentioned by voters:
The American Express Membership Rewards loyalty program was voted best bank program according to the Milesopedia Community in 2026 for these reasons, mentioned by voters:
The Scene+ loyalty program was voted best cash back program according to the Milesopedia Community in 2026 for these reasons, mentioned by voters:
Another new feature of this 2026 edition is the addition of the best bank accounts based on our experience and that of our community members.
The Scotiabank Ultimate Package Chequing Account was voted best premium bank account according to Milesopedia in 2026 for these reasons:
Here are the 2 other high-end bank accounts completing the list of winners in this category:
The EQ Bank Personal Account was voted best online bank account according to Milesopedia in 2026 for these reasons:
Here are the 2 other online banking accounts that complete the list of winners in this category:
The Wealthsimple Chequing Account was named the best bank account for savers according to Milesopedia in 2026 for these reasons:
Here are the 2 other savings bank accounts completing the list of winners in this category:
National Bank was voted best bank for newcomers in Quebec according to Milesopedia in 2026 for these reasons:
Here are the 2 other banks and caisses completing the list of winners in this category:
BMO – Bank of Montreal was voted best bank for newcomers in Canada according to Milesopedia in 2026 for these reasons:
Here are the 2 other banks completing the list of winners in this category:
Since 2015, on Milesopedia, we analyze nearly 200 credit cards offered to Canadians. You can find them in our credit card comparison tool. This comparison tool has also been adopted and used by Protégez-Vous since 2021, which confirms the credibility of our data.
The Milesopedia network consists of the following partners (as of January 15, 2026):
In addition to our analyses, we are also credit card users: we have – or have had – most of them in our wallets. This allows us to confirm or refute theoretical information through practical experience.
Finally, we analyze the various feedback from tens of thousands of these credit card holders who share their experiences with us within the Milesopedia community regarding each of these products.
Each month, we update our ranking of the best credit card offers, to allow Canadians to find the best current credit card offer that matches their needs.
A credit card offer can therefore be excellent at certain times of the year, but less so at others: this is why it is essential to stay constantly informed about current offers – particularly via our weekly newsletter.
On this page, we will not discuss offers, but rather an evaluation based on the overall characteristics of each credit card. Several factors are thus considered to choose the best credit card in Canada in 2026 by category, such as:
Regarding the Milesopedia Community awards, they were awarded following a vote conducted among Milesopedia readers and newsletter subscribers between November 14 and December 15, 2025.
Savings are here (if you don’t see the sign-up form, please click here):
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