Best credit cards by category
The Best Credit cards For Beginners
These credit cards are perfect for beginners.
It is therefore advised to keep a card like that, year after year, to improve your credit history.
MBNA Rewards Platinum Plus® Mastercard®
The MBNA Rewards Platinum Plus® Mastercard® is one of the best credit cards with no annual fee in Canada.
With this card, you earn 2 points per dollar on some purchases:
- gas
- grocery stores
- restaurants
One caveat: there is a $5,000 max annual spend per category. And 1 point per dollar everywhere else.
For a limited time, you can get 10,000 welcome bonus points, a $100 value on travel purchases charged to your Card.
Best Western Rewards Mastercard
If you’re looking for a credit card with no annual fee but with a welcome bonus, the Best Western Rewards® Mastercard is the card for you!
You earn 20,000 Best Western points after your first purchase! It can get you at least one free hotel night.
With this card you earn:
- 5 points per dollar at Best Western properties
- 1 point per dollar anywhere else, including Costco
Marriott Bonvoy™ American Express® Card
The Marriott Bonvoy™ American Express® Card is the best credit card for free hotel nights.
You can earn 50,000 Welcome Bonus points, enough for several free hotel nights at one of the 7,000 Marriott Bonvoy properties around the world. And you can earn 2 points per dollar on all your purchases.
Besides, you will receive an Annual Free Night Award after your anniversary each year (35,000 points value) and 15 Elite Night Credits each calendar year, counting for your Marriott Bonvoy status.
Finally, this Card has reliable insurance:
- Baggage delay insurance
- Lost or Stolen Baggage Insurance
- $500,000 Travel Accident Insurance
- Flight delay insurance
- Hotel or motel burglary insurance
- Car Rental Theft and Damage Insurance
- Buyer’s Assurance® Protection Plan
- Purchase Protection Guarantee
BMO® CashBack® Mastercard®*
The BMO® CashBack® Mastercard®* is a cash back credit card with no annual fee.
With this card, you can get 5% cash back in your first 3 months. It’s a maximum welcome bonus of $100.
Then you get:
- 3% cash back on grocery purchases, including at Walmart Supercenters
- 1% cash back on recurring bill payments
Finally, you can also get a 1.99% introductory interest rate on Balance Transfers for 9 months.
Tangerine Money-Back Credit Card
The Tangerine Money-Back Credit Card has no annual fee and offers cashback.
You can choose two to three categories of purchases (grocery, gas, furniture, home improvement, recurring bill payments, drug store, etc.) to earn 2% cashback! And with unlimited annual cashback!
Besides, the Tangerine Money-Back Credit Card comes with additional benefits:
- 90 days purchase insurance
- One year extended warranty
World Mastercard Tangerine
If you have an individual income of $60,000 or a family income of $100,000, you could choose to apply for the World Mastercard Tangerine. This credit card has no annual fee and offers cashback.
You can choose two to three categories of purchases (grocery, gas, furniture, home improvement, recurring bill payments, drug store, etc.) to earn 2% cashback! And with unlimited annual cashback!
Besides, the World Mastercard Tangerine comes with additional benefits:
- 90 days purchase insurance
- One year extended warranty
- Mobile Device Insurance
- Rental Car Collision/Loss Damage Insurance
BMO® AIR MILES® MasterCard®
With the BMO® AIR MILES® Mastercard®*, you get 950 Bonus Miles after $1,000 in Card purchases, which has a $110 value, including minimum expenses. Besides, it’s a no-annual-fee credit card.
With the BMO® AIR MILES® Mastercard®*, you get 1 mile for every $20 you spend, Costco included.
And until December 31, 2020, you get 5x the Miles at Shell!
If you already have this credit card, you could get the same welcome offer for one of these no-annual-fee BMO AIR MILES credit cards: