At Milesopedia, we analyze nearly 200 credit cards available in Canada to present you with the best current offers. To help you find your way around, we have divided them into dozens of categories.
Click on the category you are interested in to see the best credit card offers.
The best
Discover the best credit card offers in Canada across all categories.
Cash Back
Cash is king: get cash back to your account.
No Annual Fee
Keep it year after year: you will pay no annual fees.
Beginners
If you’re starting, improve your credit score with one of these cards.
Low Interest
These credit cards offer a low interest rate to help you save.
Grocery
Grocery is a major expense throughout the year: earn rewards with it.
Transportation
Earn rewards with your gas or public transportation expenses.
Restaurants
Restaurants, food delivery, coffee: every dollar counts!
Balance transfer
Save in interest charges with these credit card balance transfer offers.
Travel Points
Do you want to travel? Choose one of these credit cards with travel points.
Hotels
Are you staying in hotels? Earn free hotel nights with these credit cards.
Airbnb
Would you prefer Airbnb or Booking.com? Save on accommodation with these credit cards.
No FX Fee
0% foreign currency conversion fees with these credit cards.
Insurance
Have the best insurance for your trips or purchases with these credit cards.
Student
Ideal for students, these credit cards do not require a minimum income.
Business
Self-employed, professional, small business: here are the best cards for you.
VIP lounges
Why wait in the rush at the airport when you could be sipping a drink?
Aeroplan
Looking to earn Aeroplan points? Here are the best offers.
AIR MILES
Are you an AIR MILES Reward Miles Collector? Get thousands more!
Marriott Bonvoy
Here are all the best credit card offers to earn Marriott Bonvoy points.
Membership Rewards
Here are all the best credit card offers to earn American Express Membership Rewards Points.
Hilton Honors
Here are all the best credit card offers to earn Hilton Honors points.
American Express
Here are the best American Express card offers in Canada.
Mastercard
Here are the best Mastercard credit card offers in Canada.
Visa
Here are the best Visa credit card offers in Canada.
Frequent Asked Questions about credit cards
Here are some frequently asked questions in the milesopedia community about credit cards in Canada.
What’s the best credit card in Canada?
There are over 200 credit cards in Canada. There is no « one best credit card » in Canada.
Several credit cards can match your needs:
- Best Cash Back Credit Cards
- Best AIR MILES Credit Cards
- Best Credit Cards With Insurance
- The Best Credit cards For Airbnb
- Best Credit Cards For Hotels
Which is the best American Express credit card in Canada?
There are more than 30 American Express credit cards in Canada. Check out our best American Express Credit Cards page.
What’s the best Mastercard credit card in Canada?
There are over 90 Mastercard credit cards in Canada. Check out our Best Mastercard Credit Cards page.
What’s the best Visa credit card in Canada?
There are over 80 Visa credit cards in Canada. Check out our Best Visa Credit Cards page.
How to choose the right credit card category?
To make the right choice, analyze your spending over 3 to 6 months in the following categories:
- Épicerie et restaurants — privilégiez Cobalt, Or BNS, Mastercard World Elite BNC.
- Voyage — privilégiez RBC Avion, BMO eclipse, Scotia Passeport, Aéroplan TD.
- Essence et transports — Visa Momentum, BMO Remises, RemiseSimple Amex.
- Achats à l’étranger — Scotia Passeport (sans frais de conversion).
The category where you spend most regularly should guide your primary choice, as multipliers yield the most rewards there.
Is it better to choose a specialized or versatile card?
It depends on your strategy:
- Specialized card (e.g., Marriott Bonvoy Amex Card) — best return if you’re loyal to the brand (>10 nights/year at Marriott).
- Versatile card (e.g., Amex Cobalt Card) — flexible points usable across multiple partners (Aeroplan, Marriott, Hilton, Avios).
The most profitable approach: combine 2-3 complementary cards covering your key spending categories (e.g., Cobalt for groceries + Visa Momentum for gas + Scotia Passport for international travel).