Compare Credit Cards in Canada

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Use it to earn it

  • 2 points on Gas, Grocery, Travel and Transportation
  • 2 points on Recurring Payments
  • 1 point on everything else

Earn up to $600 in points

  • Earn up to 60,000 bonus points when you spend $6,000 in the first six months.
Annual Fee
  • Primary card $130
  • Additional card $50
Annual Income Required
  • Individual $60,000
  • Household $100,000
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 20.99 %
  • Cash Advance Rates 22.99 %
  • Balance Transfer Rates 21.99 %
Earning Rate
  • Groceries2%
  • Gas2%
  • Local Transport2%
Value
  • Year 1 $1,107
  • Year 2+ $247
Best For
Transfer Partners
  • Cash back

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
$5,000,000
31 day(s)
Travel medical insurance up to 64 years old
$5,000,000
31 day(s)
Travel medical insurance 65+
$5,000,000
15 day(s)
Trip Cancellation Insurance
$2,000
Trip Interruption Insurance
$5,000
Common Carrier Travel Accident Insurance
$500,000
Flight Delay Insurance
Delayed Baggage Insurance
Lost/Stolen Baggage Insurance
Auto Rental Loss/Insurance
Hotel/Motel Burglary Insurance

Use it to earn it

  • 2% cash back on Gas and Grocery
  • 2% cash back on Recurring Payments
  • 1% cash back on Everything Else

Up to $60 in cash back

  • Get up to $60 cash back when you spend $1,000 in the first 3 months and set up a pre-authorized payment.

 

Annual Fee
  • Primary card $65
  • Additional card $0
Annual Income Required
  • Individual $0
  • Household $0
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 20.99 %
  • Cash Advance Rates 22.99 %
  • Balance Transfer Rates 21.99 %
Earning Rate
  • Groceries2%
  • Gas2%
  • Recurring Payments2%
Value
  • Year 1 $355
  • Year 2+ $295
Best For
Transfer Partners
  • Cash back

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
Travel medical insurance up to 64 years old
Travel medical insurance 65+
Trip Cancellation Insurance
Trip Interruption Insurance
Common Carrier Travel Accident Insurance
Flight Delay Insurance
Delayed Baggage Insurance
Lost/Stolen Baggage Insurance
Auto Rental Loss/Insurance
Hotel/Motel Burglary Insurance

Use it to earn it

  • 1 point on Gas and Grocery
  • 1 point on Recurring Payments
  • 0.5 point on everything else

Earn up to $20 in points

  • Earn up to 2,000 bonus points when you make your first purchase in the first 3 months and set up a pre-authorized payment.

 

Annual Fee
  • Primary card $0
  • Additional card $0
Annual Income Required
  • Individual $0
  • Household $0
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 20.99 %
  • Cash Advance Rates 22.99 %
  • Balance Transfer Rates 21.99 %
Earning Rate
  • Groceries1%
  • Gas1%
  • Recurring Payments1%
Value
  • Year 1 $158
  • Year 2+ $138
Best For
Transfer Partners
  • Cash back

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
Travel medical insurance up to 64 years old
Travel medical insurance 65+
Trip Cancellation Insurance
Trip Interruption Insurance
Common Carrier Travel Accident Insurance
Flight Delay Insurance
Delayed Baggage Insurance
Lost/Stolen Baggage Insurance
Auto Rental Loss/Insurance
Hotel/Motel Burglary Insurance

Get over 2,000 bonus points plus 0.99% interest on balance transfers.

Annual Fee
  • Primary card $30
  • Additional card $0
Annual Income Required
  • Individual $0
  • Household $0
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 12.49 %
  • Cash Advance Rates 13.99 %
  • Balance Transfer Rates 12.49 %
Earning Rate
  • All Spending0.00%
  • Groceries0.00%
  • Gas0.00%
Value
  • Year 1 $-10
  • Year 2+ $-30
Best For
Transfer Partners
  • Cash back

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
Travel medical insurance up to 64 years old
Travel medical insurance 65+
Trip Cancellation Insurance
Trip Interruption Insurance
Common Carrier Travel Accident Insurance
Flight Delay Insurance
Delayed Baggage Insurance
Lost/Stolen Baggage Insurance
Auto Rental Loss/Insurance
Hotel/Motel Burglary Insurance
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