Best Credit Cards in Canada in 2022: the Ranking

The CIBC Dividend^® Visa Infinite* Card is the Best Cash Back Credit Card in 2022 in Canada for these reasons:

• High cash back earning rate on everyday purchases: 4% on gas and groceries, 2% on transportation, dining and recurring payments and 1% on everything else
• The minimum cash back redemption amount is $25
• Accepted at almost every retailer

The American Express Cobalt^® Card is the Best American Express Cash Back Credit Card in 2022 in Canada for these reasons:

• High cash back earning rate on everyday purchases: 5% on groceries, food delivery, restaurants and bars, convenience stores, 3% on streaming subscriptions, 2% on gas, transit, travel and 1% on everything else
• The minimum cash back redemption amount is $10 (1,000 points)
• No minimum income required

The BMO^® CashBack^® World Elite^®* Mastercard^®* is the Best Mastercard Cash Back Credit Card in 2022 in Canada for these reasons:

• High cash back earning rate on everyday purchases: 5% on groceries, 4% on transit, 3% on gas and electric vehicle charging, 2% on recurring bills, and 1% on all other purchases.
• The minimum cash back redemption amount is $1
• Roadside assistance
• Accepted at almost every retailer worldwide

The CIBC Dividend^® Visa Infinite* Card is the Best Visa Cash Back Credit Card in 2022 in Canada for these reasons:

• High cash back earning rate on everyday purchases: 4% on gas and groceries, 2% on transportation, dining and recurring payments and 1% on everything else
• The minimum cash back redemption amount is $25
• Accepted at almost every retailer

The BMO^® CashBack^® Mastercard^®* is the Best Cash Back Credit Card with No Annual Fee in 2022 in Canada for these reasons:

• High cash back earning rate on everyday purchases: 3% on groceries, 1% on recurring bill payments such as streaming services, subscriptions or monthly utilities and 0.5% on all other purchases
• The minimum cash back redemption amount is $1
• Accepted at almost every retailer

The American Express^® Green Card is the Best American Express Cash Back Credit Card with No Annual Fee in 2022 in Canada for these reasons:

• Flexible Rewards
• The minimum cash back redemption amount is $10 (1,000 points)
• No minimum income required

The BMO^® CashBack^® Mastercard^®* is the Best Mastercard Cash Back Credit Card With No Annual Fee in 2022 in Canada for these reasons:

• High cash back earning rate on everyday purchases: 3% on groceries, 1% on recurring bill payments such as streaming services, subscriptions or monthly utilities and 0.5% on all other purchases
• The minimum cash back redemption amount is $1
• Accepted at almost every retailer

The CIBC Dividend^® Visa* Card is the Best Cash Back Credit Card With No Annual Fee in 2022 in Canada for these reasons:

• Cash back earning rate on everyday purchases: 2% on groceries, 1% on gas, transit and dining and 0.5% on all other purchases
• The minimum cash back redemption amount is $25
• Accepted at almost every retailer
• No minimum income required
• No annual fee

The American Express Business Edge™ Card is the Best Cash Back Credit Card For Business in 2022 in Canada for these reasons:

• High cash back earning rate on everyday business purchases: 3% on office supplies, electronics purchases, transit, gas, restaurants and bars, and 1% on everything else
• The minimum cash back redemption amount is $10 (1,000 points)
• Low Annual Fee for a Business Card

The American Express Business Edge™ Card is the Best American Express Cash Back Credit Card For Business in 2022 in Canada for these reasons:

• High cash back earning rate on everyday business purchases: 3% on office supplies, electronics purchases, transit, gas, restaurants and bars, and 1% on everything else
• The minimum cash back redemption amount is $10 (1,000 points)
• Up to 99 free supplementary cards for employees
• Low Annual Fee for a Business Card

The BMO CashBack^® Business Mastercard^®* is the Best Mastercard Cash Back Credit Card for Business in 2022 in Canada for these reasons:

• High cash back earning rate on everyday business purchases: 1.75% at Shell, 1.5% on gas and office supplies purchases, and recurring cell phone and Internet bill payments
• The minimum cash back redemption amount is $1
• Accepted at almost every retailer worldwide
• No annual fee

The RBC^® Business Cash Back Mastercard is the Best Visa Cash Back Credit Card For Business in 2022 in Canada for these reasons:

• 1% cash back on all other purchases
• The minimum cash back redemption amount is $25
• Accepted at almost every retailer
• No annual fee

The CIBC Dividend^® Visa Infinite* Card is the Best Cash Back Credit Card for Groceries in 2022 in Canada for these reasons:

• High cash back earning rate on everyday purchases: 4% on gas and groceries, 2% on transportation, dining and recurring payments and 1% on everything else
• The minimum cash back redemption amount is $25
• Accepted at almost every retailer

The American Express Cobalt^® Card is the Best American Express Cash Back Credit Card for Groceries in 2022 in Canada for these reasons:

• High cash back earning rate on everyday purchases: 5% on groceries, food delivery, restaurants and bars, convenience stores, 3% on streaming subscriptions, 2% on gas, transit, travel and 1% on everything else
• The minimum cash back redemption amount is $10 (1,000 points)
• No minimum income required

The BMO^® CashBack^® World Elite^®* Mastercard^®* is the Best Mastercard Cash Back Credit Card for Groceries in 2022 in Canada for these reasons:

• High cash back earning rate on everyday purchases: 5% on groceries, 4% on transit, 3% on gas and electric vehicle charging, 2% on recurring bills, and 1% on all other purchases.
• The minimum cash back redemption amount is $1
• Roadside assistance
• Accepted at almost every retailer worldwide

The CIBC Dividend^® Visa Infinite* Card is the Best Visa Cash Back Credit Card for Groceries in 2022 in Canada for these reasons:

• High cash back earning rate on everyday purchases: 4% on gas and groceries, 2% on transportation, dining and recurring payments and 1% on everything else
• The minimum cash back redemption amount is $25
• Accepted at almost every retailer

The BMO^® CashBack^® World Elite^®* Mastercard^®* is the Best Cash Back Credit Card for Gas and Transit in 2022 in Canada for these reasons:

• High cash back earning rate on everyday purchases: 5% on groceries, 4% on transit, 3% on gas and electric vehicle charging, 2% on recurring bills, and 1% on all other purchases.
• The minimum cash back redemption amount is $1
• Roadside assistance
• Accepted at almost every retailer worldwide

The American Express Cobalt^® Card is the Best American Express Cash Back Credit Card for Gas and Transit in 2022 in Canada for these reasons:

• High cash back earning rate on everyday purchases: 5% on groceries, food delivery, restaurants and bars, convenience stores, 3% on streaming subscriptions, 2% on gas, transit, travel and 1% on everything else
• The minimum cash back redemption amount is $10 (1,000 points)
• No minimum income required

The BMO^® CashBack^® World Elite^®* Mastercard^®* is the Best Mastercard Cash Back Credit Card for Gas and Transit in 2022 in Canada for these reasons:

• High cash back earning rate on everyday purchases: 5% on groceries, 4% on transit, 3% on gas and electric vehicle charging, 2% on recurring bills, and 1% on all other purchases.
• The minimum cash back redemption amount is $1
• Roadside assistance
• Accepted at almost every retailer worldwide

The CIBC Dividend^® Visa Infinite* Card is the Best Visa Cash Back Credit Card for Gas and Transit in 2022 in Canada for these reasons:

• High cash back earning rate on everyday purchases: 4% on gas and groceries, 2% on transportation, dining and recurring payments and 1% on everything else
• The minimum cash back redemption amount is $25
• Accepted at almost every retailer

The BMO^® CashBack^® Mastercard^®* for Students is the Best Cash Back Credit Card For Students in Canada for 2022.

• High cash back earning rate on everyday purchases: 3% on groceries, 1% on recurring bill payments such as streaming services, subscriptions or monthly utilities and 0.5% on all other purchases
• The minimum cash back redemption amount is $1
• Accepted at almost every retailer
• No minimum income required
• No annual fee

The SimplyCash™ from American Express is the Best American Express Cash Back Credit Card For Students in 2022 in Canada for these reasons:

• 1.25% cash back on all purchases
• No minimum income required
• No annual fee

The BMO^® CashBack^® Mastercard^®* for Students is the Best Mastercard Cash Back Credit Card For Students in Canada for 2022.

• High cash back earning rate on everyday purchases: 3% on groceries, 1% on recurring bill payments such as streaming services, subscriptions or monthly utilities and 0.5% on all other purchases
• Accepted at almost every retailer
• No minimum income required
• No annual fee

The CIBC Dividend^® Visa* Card for Students is the Best Visa Cash Back Credit Card for Students in 2022 in Canada for these reasons:

• Cash back earning rate on everyday purchases: 2% on groceries, 1% on gas, transit and dining and 0.5% on all other purchases
• Free registration to the SPC program offering discounts to students
• Accepted at almost every retailer
• No minimum income required
• No annual fee

The American Express Cobalt^® Card is the Best Cash Back Credit Card For Restaurant and Food Delivery in 2022 in Canada for these reasons:

• 5% cash back on dining and food delivery
• The minimum cash back redemption amount is $10 (1,000 points)
• No minimum income required

The American Express Cobalt^® Card is the Best American Express Cash Back Credit Card For Dining and Food Delivery in Canada for 2022 for these reasons:

• 5% cash back on dining and food delivery
• The minimum cash back redemption amount is $10 (1,000 points)
• No minimum income required

The Desjardins Cash Back World Elite^® Mastercard^® is the Best Mastercard Cash Back Credit Card For Dining in 2022 in Canada for these reasons:

• 3% cash back on dining
• Accepted at almost every retailer worldwide

The Desjardins Odyssey^® Visa* Infinite Privilege Card is the Best Visa Cash Back Credit Card For Dining and Food Delivery in 2022 in Canada for these reasons:

• 4% cash back on dining
• Accepted at almost every retailer worldwide

The American Express Cobalt^® Card is the Best Travel Credit Card in Canada for 2022 for these reasons:

• Earning categories
• Flexible Rewards
• Travel Partners (American Express Membership Rewards program)
• Travel insurance
• No minimum income required

The American Express Cobalt^® Card is the Best American Express Travel Credit Card in Canada for 2022 for these reasons:

• Earning categories
• Flexible Rewards
• Travel Partners (American Express Membership Rewards program)
• Travel insurance
• No minimum income required

The HSBC World Elite^® Mastercard^® is the Best Mastercard Travel Credit Card in 2022 in Canada for these reasons:

• Earning rate on travel purchases (6 points per dollar or 3%)
• No Foreign Transaction Fee
• $100 Annual Travel Credit
• Flexible Rewards
• Accepted at almost every retailer worldwide

The Scotiabank Passport™ Visa Infinite* Card is the Best Visa Travel Credit Card in 2022 in Canada for these reasons:

• 6 Complimentary airport lounge access
• No Foreign Transaction Fee
• Flexible Rewards
• Full travel insurance
• Accepted at almost every retailer worldwide

The TD^® Aeroplan^® Visa Infinite* Card is the Best Aeroplan Credit Card in 2022 in Canada for these reasons:

• Air Canada Benefits for Cardmembers
• Rewards earned with everyday purchases
• Travel Insurance when redeeming Aeroplan Points
• Accepted at almost every retailer

The American Express^® Aeroplan^®* Card is the Best American Express Aeroplan Credit Card in 2022 in Canada for these reasons:

• Air Canada Benefits for Cardmembers
• Rewards earned with everyday purchases
• Travel Insurance when redeeming Aeroplan Points
• No minimum income required

There are no Mastercard Aeroplan credit cards in Canada.

The TD^® Aeroplan^® Visa Infinite* Card is the Best Visa Aeroplan Credit Card in 2022 in Canada for these reasons:

• Air Canada Benefits for Cardmembers
• Rewards earned with everyday purchases
• Travel Insurance when redeeming Aeroplan Points
• Accepted at almost every retailer

The BMO^® AIR MILES^® World Elite^®* Mastercard^®* is the Best AIR MILES Credit Card in 2022 in Canada for these reasons:

• AIR MILES benefits for Cardmembers when booking flight rewards
• Rewards earned with everyday purchases (AIR MILES partners)
• Full travel insurance
• Accepted at almost every retailer

The American Express^® AIR MILES^®* Platinum Credit Card is the Best American Express AIR MILES Credit Card in 2022 in Canada for these reasons:

• Rewards earned with everyday purchases
• No minimum income required

The BMO^® AIR MILES^® World Elite^®* Mastercard^®* is the Best Mastercard AIR MILES Credit Card in 2022 in Canada for these reasons:

• AIR MILES benefits for Cardmembers when booking flight rewards
• Rewards earned with everyday purchases (AIR MILES partners)
• Full travel insurance
• Accepted at almost every retailer

There are no Visa AIR MILES credit cards in Canada.

The National Bank World Elite Mastercard^® is the Best Credit Card For Travel Insurance in 2022 in Canada for these reasons:

• Generous insurance coverage for travel and everyday purchases
• Award-winning customer service
• Up to $250 in Annual Travel Credits
• Accepted at almost every retailer worldwide

The Scotiabank Platinum American Express^® Card is the Best American Express Credit Card For Travel Insurance in 2022 in Canada for these reasons:

• Excellent travel insurance coverage
• Earning categories
• Flexible Rewards
• 10 Complimentary airport lounge access
• Personal income required: $12,000

The National Bank World Elite Mastercard^® is the Best Mastercard Credit Card For Travel Insurance in 2022 in Canada for these reasons:

• Generous insurance coverage for travel and everyday purchases
• Award-winning customer service
• Up to $250 in Annual Travel Credits
• Accepted at almost every retailer worldwide

The Desjardins Odyssey^® Gold Visa* Card is the Best Visa Credit Card For Travel Insurance in 2022 in Canada for these reasons:

• Generous travel insurance coverage
• Accepted at almost every retailer worldwide
• No minimum income required

The American Express^® Green Card is the Best Travel Credit Card With No Annual Fee in 2022 in Canada for these reasons:

• Ease of points redemption
• Travel Partners (American Express Membership Rewards program)
• Flexible Rewards
• No minimum income required

The American Express^® Green Card is the Best Travel Credit Card With No Annual Fee in 2022 in Canada for these reasons:

• Ease of points redemption
• Travel Partners (American Express Membership Rewards program)
• Flexible Rewards
• No minimum income required

The MBNA Rewards Platinum Plus^® Mastercard^® is the Best Mastercard Travel Credit Card With No Annual Fee in 2022 in Canada for these reasons:

• Earning categories for everyday purchases
• Anniversary bonus upon card renewal
• Ease of points redemption
• No minimum income required

The SCENE Visa Card is the Best Visa Travel Credit Card With No Annual Fee in 2022 in Canada for these reasons:

• Scene+ program (flexible rewards including Travel)
• Earn 1 point per dollar on all purchases (= 1% in travel rewards)
• No minimum income required

The HSBC World Elite^® Mastercard^® is the Best No Foreign Transaction Fee Credit Card in 2022 in Canada for these reasons:

• Earning rate on travel purchases (6 points per dollar or 3%)
• No Foreign Transaction Fee
• $100 Annual Travel Credit
• Flexible Rewards
• Accepted at almost every retailer worldwide

The Scotiabank Gold American Express^® Card is the Best American Express No Foreign Transaction Fee Credit Card in 2022 in Canada for these reasons:

• Earning categories
• Flexible Rewards
• No Foreign Transaction Fee
• Travel insurance
• Minimum income required: $12,000

The HSBC World Elite^® Mastercard^® is the Best Mastercard No Foreign Transaction Fee Credit Card in 2022 in Canada for these reasons:

• Earning rate on travel purchases (6 points per dollar or 3%)
• No Foreign Transaction Fee
• $100 Annual Travel Credit
• Flexible Rewards
• Accepted at almost every retailer worldwide

The Scotiabank Passport™ Visa Infinite* Card is the Best Visa No Foreign Transaction Fee Credit Card in 2022 in Canada for these reasons:

• 6 Complimentary airport lounge access
• No Foreign Transaction Fee
• Flexible Rewards
• Full travel insurance
• Accepted at almost every retailer worldwide

The Business Platinum Card^® from American Express is the Best Travel Credit Card for Business in 2022 in Canada for these reasons:

• Complimentary access to over 1,300 airport lounges worldwide
• Travel Partners (American Express Membership Rewards program)
• Cardmember benefits at select hotels and restaurants
• Full travel insurance

The Business Platinum Card^® from American Express is the Best American Express Travel Credit Card for Business in 2022 in Canada for these reasons:

• Complimentary access to over 1,300 airport lounges worldwide
• Travel Partners (American Express Membership Rewards program)
• Cardmember benefits at select hotels and restaurants
• Full travel insurance

The BMO World Elite^®* Business Mastercard^®* is the Best Mastercard Travel Credit Card For Business in 2022 in Canada.

• Earning categories for common business purchases
• 2 Complimentary airport lounge access
• Virtual health care services on demand
• Accepted at almost every retailer worldwide including Costco

The RBC Avion Visa Infinite Business Card is the Best Visa Travel Credit Card For Business in 2022 in Canada for these reasons:

• Flexible Rewards (RBC Rewards program)
• Fixed Reward Chart for Flights
• Accepted at almost every retailer worldwide

The American Express Cobalt^® Card is the Best Travel Credit Card for Groceries in Canada for 2022 for these reasons:

• Earning categories
• 5 points per dollar on groceries (= 5% in travel rewards)
• Flexible Rewards
• Travel Partners (American Express Membership Rewards program)
• No minimum income required

The American Express Cobalt^® Card is the Best American Express Travel Credit Card for Groceries in Canada for 2022 for these reasons:

• Earning categories
• 5 points per dollar on groceries (= 5% in travel rewards)
• Flexible Rewards
• Travel Partners (American Express Membership Rewards program)
• No minimum income required

The Desjardins Odyssey^® World Elite^® Mastercard is the Best Mastercard Travel Credit Card For Groceries in 2022 in Canada for these reasons:

• 3% per dollar in travel rewards on groceries
• Full travel insurance
• Accepted at almost every retailer

The BMO eclipse Visa Infinite* Card is the Best Visa Travel Credit Card For Groceries in 2022 in Canada for these reasons:

• 5 points per dollar on groceries (= 3.33% in travel rewards)
• $50 Annual Credit on any purchase
• Accepted at almost every retailer

The BMO eclipse Visa Infinite* Card is the Best Travel Credit Card For Gas and Transit in 2022 in Canada for these reasons:

• 5 points per dollar on gas and transit (= 3.33% in travel rewards)
• $50 Annual Credit on any purchase
• Accepted at almost every retailer

The Scotiabank Gold American Express^® Card is the Best American Express Travel Credit Card For Gas and Transit in 2022 in Canada for these reasons:

• 3 points per dollar on gas and transit (= 3% in travel rewards)
• Flexible Rewards
• No Foreign Transaction Fee
• Travel insurance
• Minimum income required: $12,000

The Desjardins Odyssey^® World Elite^® Mastercard is the Best Mastercard Travel Credit Card For Gas and Transit in 2022 in Canada for these reasons:

• 2% per dollar on transit and 1.5% on gas
• Full travel insurance
• Accepted at almost every retailer

The BMO eclipse Visa Infinite* Card is the Best Visa Travel Credit Card For Gas and Transit in 2022 in Canada for these reasons:

• 5 points per dollar on gas and transit (= 3.33% in travel rewards)
• $50 Annual Credit on any purchase
• Accepted at almost every retailer

The CIBC Aventura Visa* Card for Students is the Best Travel Credit Card For Students in 2022 in Canada for these reasons:

• Earning categories for everyday purchases
• Free registration to the SPC program offering discounts to students
• Insurance coverage
• Accepted at almost every retailer
• No minimum income required
• No annual fee

The Scotiabank American Express^® Card is the Best American Express Travel Credit Card For Students in 2022 in Canada for these reasons:

• Flexible Rewards
• Travel insurance
• No minimum income required
• No annual fee

The BMO^® AIR MILES^® Mastercard^®* For Students is the Best Mastercard Travel Credit Card For Students in 2022 in Canada for these reasons:

• Rewards earned with everyday purchases (AIR MILES partners)
• Accepted at almost every retailer
• No minimum income required
• No annual fee

The CIBC Aventura Visa* Card for Students is the Best Visa Travel Credit Card For Students in 2022 in Canada for these reasons:

• Earning categories for everyday purchases
• Free registration to the SPC program offering discounts to students
• Insurance coverage
• Accepted at almost every retailer
• No minimum income required
• No annual fee

The Platinum Card^® from American Express is the Best Premium Travel Card in 2022 in Canada for these reasons:

• Complimentary access to over 1,300 airport lounges worldwide
• Elite Status with several hotel loyalty programs
• Cardmembers benefits at renowned hotels and restaurants
• Flexible Rewards
• Travel Partners (American Express Membership Rewards program)
• Full travel insurance
• No minimum income required

The Platinum Card^® from American Express is the Best American Express Premium Card in 2022 in Canada for these reasons:

• Complimentary access to over 1,300 airport lounges worldwide
• Elite Status with several hotel loyalty programs
• Cardmembers benefits at renowned hotels and restaurants
• Flexible Rewards
• Travel Partners (American Express Membership Rewards program)
• Full travel insurance
• No minimum income required

The National Bank World Elite Mastercard^® is the Best Mastercard Premium Credit Card in 2022 in Canada for these reasons:

• Generous insurance coverage for travel and everyday purchases
• Flexible Rewards: flights, vacation packages, car rentals, hotel stays, cruises, condominium and cottage reservations, tours, camping, personal finance, gift cards, and more
• Up to $250 in Annual Travel Credits
• Unlimited access to the National Bank Lounge for the cardholder, one guest and up to 2 children
• Accepted at almost every retailer worldwide

The Desjardins Odyssey^® Visa* Infinite Privilege Card is the Best Visa Premium Credit Card in 2022 in Canada for these reasons:

• 4% BONUSDOLLARS on restaurants, entertainment, centers, public transportation; 3% on groceries and travel and 1.75% on all other purchases
• Full travel insurance
• 6 Complimentary airport lounge access
• Concierge service
• Accepted at almost every retailer worldwide

The Marriott Bonvoy™ American Express^® Card is the Best Hotel Credit Card in 2022 in Canada for these reasons:

• Points can be redeemed at over 7,000 hotels worldwide
• Annual Free Night Award at Card renewal
• Marriott Bonvoy Benefits (Elite status and Earning Rate)
• No minimum income required

The Marriott Bonvoy™ American Express^® Card is the Best American Express Hotel Credit Card in 2022 in Canada for these reasons:

• Points can be redeemed at over 7,000 hotels worldwide
• Annual Free Night Award at Card renewal
• Marriott Bonvoy Benefits (Elite status and Earning Rate)
• No minimum income required

The Best Western Rewards^® Mastercard is the Best Mastercard Hotel Credit Card in 2022 in Canada for these reasons:

• Points can be redeemed at over 4,700 hotels worldwide
• No annual fee
• No minimum income required

There are no Visa hotel credit cards in Canada.

The American Express Cobalt^® Card is the Best Travel Credit Card with Flexible Rewards in Canada for 2022 for these reasons:

• Earning categories
• Flexible Rewards
• Travel Partners (American Express Membership Rewards program)
• No minimum income required

The American Express Cobalt^® Card is the Best American Express Travel Credit Card with Flexible Rewards in Canada for 2022 for these reasons:

• Flexible Rewards: point transfers, flights, vacation packages, car rentals, hotel stays, cruises, condominium and cottage reservations, tours, camping, gift cards, and more
• Earning categories
• Travel Partners (American Express Membership Rewards program)
• Attractive Flight Reward Chart
• No minimum income required

The National Bank World Elite Mastercard^® is the Best Mastercard Travel Credit Card With Flexible Rewards in 2022 in Canada for these reasons:

• Flexible Rewards: flights, vacation packages, car rentals, hotel stays, cruises, condominium and cottage reservations, tours, camping, personal finance, gift cards, and more
• Generous insurance coverage for travel and everyday purchases
• Up to $250 in Annual Travel Credits
• Accepted at almost every retailer worldwide

The RBC Avion Visa Infinite Card is the Best Visa Travel Credit Card With Flexible Rewards in 2022 in Canada for these reasons:

• Flexible Rewards: transfer points to airline partners, flights, vacation packages, car rentals, hotel stays, cruises, personal finance, gift cards, and more
• Attractive Flight Reward Chart
• Accepted at almost every retailer worldwide

The American Express Cobalt^® Card is the Best Travel Credit Card For Dining and Food Delivery in 2022 in Canada for these reasons:

• Earning categories
• 5 points per dollar on dining and food delivery (= 5% in travel rewards)
• Flexible Rewards
• Travel Partners (American Express Membership Rewards program)
• No minimum income required

The American Express Cobalt^® Card is the Best American Express Travel Credit Card For Dining and Food Delivery in 2022 in Canada for these reasons:

• Earning categories
• 5 points per dollar on dining and food delivery (= 5% in travel rewards)
• Flexible Rewards
• Travel Partners (American Express Membership Rewards program)
• No minimum income required

The BMO^® World Elite^®* Mastercard^®* is the Best Mastercard Travel Credit Card For Dining and Food Delivery in 2022 in Canada for these reasons:

• 3 points per dollar on dining (= 2% in travel rewards)
• 4 Complimentary airport lounge access
• Full travel insurance
• Accepted at almost every retailer

The BMO eclipse Visa Infinite* Card is the Best Visa Travel Credit Card For Dining and Food Delivery in 2022 in Canada for these reasons:

• 5 points per dollar on dining and food delivery (= 3.33% in travel rewards)
• $50 Annual Credit on any purchase
• Accepted at almost every retailer

The American Express^® Aeroplan^®* Reserve Card is the Best Credit Card For Frequent Flyers in 2022 in Canada for these reasons:

• Air Canada benefits such as Maple Leaf Lounge access
• Benefits for Aeroplan Elite Status
• Highest point earning rate for Air Canada purchases
• Travel insurance

The American Express^® Aeroplan^®* Reserve Card is the Best American Express Frequent Flyer Credit Card in 2022 in Canada for these reasons:

• Air Canada benefits such as Maple Leaf Lounge access
• Benefits for Aeroplan Elite Status
• Highest point earning rate for Air Canada purchases
• Travel insurance

The WestJet RBC World Elite Mastercard is the Best Mastercard Credit Card for Frequent Flyers in 2022 in Canada for these reasons:

• Benefits on WestJet flights
• Benefits for WestJet Rewards Elite status
• Travel insurance
• Accepted at almost every retailer worldwide

The TD^® Aeroplan^® Visa Infinite Privilege* Card is the Best Visa Credit Card for Frequent Flyers in 2022 in Canada for these reasons:

• Air Canada benefits such as Maple Leaf Lounge access
• Benefits for Aeroplan Elite Status
• 6 Complimentary airport lounge access
• Travel insurance
• Accepted at almost every retailer worldwide

The HSBC +Rewards™ Mastercard^® is the Best Low Interest Credit Card in 2022 in Canada for these reasons:

• Low annual interest rate on purchases, cash advances and balance transfers of 11.9%
• 1 to 2 points per dollar of purchases (= 0.5 to 1% in travel rewards)
• Accepted at almost every retailer worldwide

The National Bank mycredit Mastercard is the Best Credit Card For Newcomers in 2022 in Canada for these reasons:

• Specific approval criteria of the National Bank of Canada for Newcomers and its free 12-month accompaniment service on various subjects: daily life, legal, housing, personal finances and immigration
• 1% cash back on dining and recurring pre-authorized payments and 0.5% on all other purchases
• Accepted at almost every retailer worldwide
• No annual fee

The KOHO Premium Visa Prepaid Card is the Best Prepaid Card in 2022 in Canada for these reasons:

• Cash back on everyday purchases: 2% on transit, groceries and dining
• No Foreign Transaction Fee
• No credit check
• No minimum income required

The CIBC Select Visa* Card is the Best Balance Transfer Credit Card in 2022 in Canada:

• Recurring offer for 0% interest on balance transfers for up to 10 months, subject to a 1% transfer fee.