Compare The Best Credit Cards in Canada

Special Offer:

• Enter the code MILESOPEDIA when you apply for your card
• Get $20 in your KOHO account after the first purchase within the first 30 days

Features:

• Earn an extra 2% cashback on eating & drinking, billing & services, and groceries on top of minimum 0.5% cash back on all purchases. Plus, up to 50% extra cashback from select merchants.
• Accepted at Costco
• Earn 5% interest on both your spending and savings account. Your funds will also be eligible for CDIC insurance. Interest rates are per year, calculated daily, paid monthly, and can change at any time without notice.
• $19/month to unlock the following KOHO Everything account features.
• No Foreign Exchange fees on any purchases.
• Also get access to 1 free international ATM withdrawal per month.
• Credit Building for $5 / month instead of $10
• Choose from one of five exciting card colours including the exclusive KOHO Everything card design. Receive both a physical and virtual card.
• Access all the features of a KOHO account such as Card Security, Goals, and RoundUps.
• Build your credit history with a 6-month Credit Builder program at only $5/month and earn cashback with KOHO Extra Mastercard Prepaid Card
• Get access to a cash advance of up to $250 at 0% interest with KOHO Cover

Redefine what you’ll experience and discover with Platinum

Earn up to 120,000 bonus Membership Rewards^® points

• Earn 80,000 Membership Rewards^® points after you charge $15,000 in net purchases to your Card in your first 3 months of Cardmembership.
• Plus, earn 40,000 points when you make a purchase between 14 and 17 months of Cardmembership.
• That’s up to $1,200 in statement credit that can be reinvested in your business

Earn points that you can redeem in a variety of ways.

• Earn 1.25 Membership Rewards points for virtually every $1 in purchases and get the most out of your business expenses
• Enjoy an exceptional line-up of rewards redemption options for you and your business, including travel, dining, entertainment, gift cards, merchandise, and more with Membership Rewards program.
• Transfer points to frequent flyer and hotel programs, including one-to-one to Aeroplan^®* and Avios.

Bolster your business with up to $820 in annual business and travel statement credits

• Enroll your eligible Card and earn up to $500 in business statement credits on qualifying purchases with Dell and Indeed.
• Enroll and earn up to $120 in eligible Wireless Credits each year.
• Access a $200 Annual Travel Credit each year of your Cardmembership

Unlock spending power and payment flexibility with a full suite of business management tools that give you more control over your business – anytime and anywhere

• Enjoy financial flexibility with no pre-set spending limit on purchases. With this Card, your purchasing power adjusts dynamically with your Card usage, and can grow over time, as long as you make your payments on time and maintain a good credit history
• Maximize your cash flow with up to 55 interest free days so you can keep more cash on hand when you need it most.
• Pay for business expenses over time with Flexible Payment Option.
• This charge card has both Due in Full and Flexible Payment Option balances. All Due in Full balances must be paid each month. Interest rate of 30% applies to each delinquent Due in Full charge. This rate is effective from the day account is opened. The Preferred rate of 20.99% applies to your Flexible Payment Option balance. If you have 2 separate Missed Payments in a 12 month period, the Flexible Payment Option rate for your account will be 25.99%. If you have 3 or more separate Missed Payments in a 12 month period, the Flexible Payment Option rate will be 28.99%. These rates are effective from the day the Flexible Payment Option is first available on your account.

Enjoy special benefits for you and your business.

• Extend payment solutions with Supplementary Cards for your employees.
• Take full advantage of the American Express Global Lounge Collection which unlocks access to over 1300 airport lounges worldwide. This includes The Centurion® Lounge network, Plaza Premium Lounges, and hundreds of other domestic and international lounges designed to enhance your travel experience.
• Enjoy premium benefits at the Toronto Pearson Airport, including access to the Pearson Priority Security Lane and discount on parking.
• Get access to discounted base fares for you and your travel companions when you book through the International Airline Program.
• Enjoy complimentary benefits that offer an average total value of $600 USD* at over 1,500 extraordinary properties worldwide when you book Fine Hotels + Resorts.
• Upgrade your stay with premium status at leading hotel brands like Hilton Honors and Marriott Bonvoy
• Enjoy access to specialty services and events, preferential treatment, and a dedicated Concierge team.
• Access a $100 CAD credit for NEXUS every 4 years with your Cardmembership

Access comprehensive insurance coverage for your travel needs.

• Access Out of Province/Country Emergency Medical Insurance (for under age 65), even if you don’t charge your tickets and travel arrangements to your Business Platinum Card.
• Access Trip Cancellation Insurance, Trip Interruption Insurance, Travel Emergency Assistance, and up to $500,000 Travel Accident Insurance when you fully charge your tickets and travel arrangements to your Business Platinum Card.
• Plus, access Lost or Stolen Baggage Insurance, Flight Delay Insurance, and Baggage Delay Insurance when you fully charge your airline tickets to your Business Platinum Card.
• Save money when travelling with complimentary Car Rental Theft and Damage Insurance

Access coverage that can protect your business purchases when you charge the full price of eligible items to your Business Platinum Card

• Protect your eligible purchases against accidental physical damage and theft for up to 90 days with Purchase Protection^® Plan
• Double the manufacturer’s original warranty up to one additional year with Buyer’s Assurance^® Protection Plan
• Equip your business with Mobile Device Insurance

• Unlock special experiences with the Platinum^® Card
• Earn up to 100,000 Membership Rewards^® points – that’s up to $1,000 towards a weekend away
  • New Platinum^® Cardmembers, earn 70,000 Welcome Bonus points after you charge $10,000 in net purchases to your Card in your first 3 months of Cardmembership
  • Plus, earn 30,000 points when you make a purchase between 14 and 17 months of Cardmembership
• Earn 2 points for every $1 in Card purchases on eligible dining and food delivery in Canada, 2 points for every $1 in Card purchases on eligible travel, and 1 point for every $1 in all other Card purchases
• Access a $200 Annual Travel Credit through American Express Travel Online or Platinum^® Card Travel Service
• Enjoy a $200 Annual Dining Credit at some of Canada’s best restaurants
• Unlock $200 or more in additional value with Member extras. You can earn statement credits for qualifying purchases with participating brands
• Take full advantage of The American Express Global Lounge Collection^TM which unlocks access to over 1300 airport lounges worldwide. This includes The Centurion^® Lounge network, Plaza Premium Lounges, and hundreds of other domestic and international lounges designed to enhance your travel experience
• Enjoy flexible ways to use your points such as statement credits for any eligible purchase charged to your Card, new travel purchases booked on American Express Travel Online through the Flexible Points Travel Program, and eligible flights through the Fixed Points Travel Program
• Transfer points 1:1 to several frequent flyer and other loyalty programs
• Enjoy complimentary benefits that offer an average value of $600 USD at over 1,500 extraordinary properties worldwide when you book Fine Hotels + Resorts
• Platinum Cardmembers can enjoy access to special events and unique opportunities
• Enjoy premium benefits at the Toronto Pearson Airport
• You will also have access to many leading hotel and car rental companies’ loyalty programs. Our partners include Marriott International, Hilton Hotels and Resorts, Hertz and Avis
• Interest applies in accordance with your Cardmember Agreement, Information Box, and Disclosure statement if the total New Balance is not paid by the Payment Due Date each month. All payments must be received by the Payment Due Date shown on the monthly statement

• Earn up to 60,000 Membership Rewards^® points:
• New American Express^® Gold Rewards Cardmembers, earn 5,000 Membership Rewards^® points for each monthly billing period in which you spend $1,000 in net purchases on your Card
• This could add up to 60,000 points in a year. That’s up to $600 towards your next vacation
• Earn 2 points for every $1 in Card purchases for eligible travel purchases, including flights, hotels, car rentals, cruises, and more
• Earn 2 points for every $1 in Card purchases at eligible gas stations, grocery stores and drugstores in Canada, and 1 point for every $1 in Card purchases everywhere else
• The Card is now available in your choice of Gold or Rose Gold metal options
• Receive a $50 CAD statement credit when a NEXUS application or renewal fee is charged to your American Express Gold Rewards Card
• You have access to an annual $100 CAD Travel Credit, compliments of your American Express Gold Rewards Card. Use the credit once annually towards any single travel booking of $100 or more charged to your Gold Rewards Card through American Express Travel Online
• As a Gold Rewards Cardmember, you can receive complimentary membership in Priority Pass^TM – one of the world’s largest independent airport lounge programs. Escape the chaos of airports and relax in an oasis of calm and simply enjoy the fact that the travel experience has begun before your plane has even left the ground. Enrollment is required and entry fees apply
• Enjoy four (4) complimentary visits per Calendar year to Plaza Premium Lounges across Canada. Entry fees apply once complimentary visits have been used
• Charge any eligible purchase to your credit Card then log in to redeem your earned points for a statement credit
• Transfer points 1:1 to several frequent flyer and other loyalty programs
• 1 Free Additional Gold Rewards Card (a $50 value) to help you earn points faster
• Subject to approval. The preferred rate for purchases is 21.99% and funds advances is 21.99%. If you have Missed Payments, the applicable rates for your account will be 25.99% and/or 28.99%. See the information box included with the application for the definition of Missed Payment and which rates apply to charges on your account and other details

• In your first year as a new Cobalt Cardmember, you can earn 1,250 Membership Rewards® points for each monthly billing period in which you spend $750 in net purchases on your Card. This could add up to 15,000 points in a year. That’s up to $150 towards a weekend getaway or concert tickets
• Earn 5x the points on eligible eats and drinks in Canada, including groceries and food delivery. Spend cap applies.
• Earn 3x the points on eligible streaming subscriptions in Canada
• Earn 2X the points on eligible ride shares, transit & gas in Canada
• Earn 1 additional point on eligible hotel and car rental bookings via American Express Travel Online
• Earn 1X point for every $1 in Card purchases everywhere else
• Enjoy access to hotel bookings, a room upgrade (when available), 12pm check-in and late check-out (when available), and up to $100 USD hotel credit to use on amenities when charged to the room for a stay of 2 or more consecutive nights through The Hotel Collection from American Express Travel
• Transfer points 1:1 to several frequent flyer and other loyalty programs
• Cobalt Cardmembers receive regular Perks such as bonus reward offers and access to great events
• Access Front Of The Line® Presale & Reserved Tickets to some of your favourite concerts and theatre performances and special offers and events curated for Cardmembers with American Express® Experiences

Earn up to 90,000 Welcome Bonus Aeroplan®* points.

• Earn 65,000 Aeroplan points after spending $10,500 in purchases on your Card within the first 3 months.
• Plus, earn an additional 25,000 Aeroplan points when you spend $3,500 in purchases in month 13.

Earn Aeroplan points that you can redeem in a variety of ways.

• Earn 3 points for every $1 spent on eligible purchases made directly with Air Canada and Air Canada Vacations®*, 2 points for every $1 spent on eligible hotels and car rentals.
• Earn 1.25 points for every $1 spent on everything else.

Make the most out of a full suite of business management tools that give you more control over your business – anytime and anywhere.

• Leverage your cash flow with the option of carrying a balance or paying in full each month
• Control employee expenses plus track and accumulate points on your account with Employee Cards, so you have an opportunity to maximize the points you earn.

Unlock business travel possibilities to make every work trip one to look forward to.

• Your American Express Aeroplan Business Reserve Card gives you access to more than 1,200 Priority Pass airport lounges around the globe. and enjoy an oasis of comfort before your flight, regardless of your airline or cabin class
• Enjoy access to select Air Canada Maple Leaf Lounges^™ for you and a guest, and Air Canada Café^™; in North America, with a same day ticket on a departing Air Canada or Star Alliance^®* flight
• You and up to eight companions will enjoy Priority Check-In, Priority Boarding, and Priority Baggage Handling when you fly with Air Canada.
• Receive one Annual Worldwide Companion Pass when you spend $25,000 in net purchases prior to your Card anniversary date; your Pass entitles you to buy an accompanying Air Canada economy class ticket for a companion at a fixed base fare from $99 to a maximum of $599 CAD (plus taxes, fees, charges, and surcharges)
• Stay focused on getting where you need to go. Receive up to $100 CAD in statement credits every four years when NEXUS application or renewal fees are charged to your Aeroplan Business Reserve Card.
• Use your American Express Aeroplan Business Card and present your Aeroplan Membership Card to pay for purchases at any of Aeroplan’s 170 partners and 120 online retailers in the Aeroplan eBoutique to earn double points!
• If you’re departing from Toronto Pearson International Airport, enjoy the benefits of being an American Express Aeroplan Business Reserve Cardmember. Get more from your travel experience with access to Pearson Priority Security Lane, complimentary valet service, 15% discount on parking rates, and 15% discount on Car Care Services
• Roll over any unallocated Aeroplan Elite™ Status Qualifying Miles and unused eUpgrade Credits to the following year to enjoy during your travels
• Enjoy priority access to the standby list and eUpgrades. Get prioritized on the standby waitlist for an Air Canada flight and higher priority when you request an eUpgrade
• Earn 1,000 Status Qualifying Miles and 1 Status Qualifying Segment for every $5,000 in eligible net purchases charged to your Card
• Book flight reward tickets for even fewer points with Air Canada. In addition to flights, you can also redeem for hotel stays, car rentals, vacation packages, merchandise and more
• Unlock two-car-class rental upgrades, expedited service, dedicated phone line, and more with complimentary upgrade to Avis President’s Club

• New American Express^® Aeroplan^®* Cardmembers can earn up to 50,000 Aeroplan points:
  • Earn 30,000 Aeroplan points after spending $3,000 in purchases on your Card within the first 3 months.
  • Plus, earn an additional 20,000 Aeroplan points when you spend $1,000 in purchases in month 13
  • That’s up to $1,100 or more in value when you combine your welcome bonus and card benefits.
• Standard Earn Rate: Earn 2X the points on eligible purchases made directly with Air Canada®* and Air Canada vacations®*
• Standard Earn Rate: Earn 1.5X the points on eligible Dining and Food Delivery purchases in Canada
• Standard Earn Rate: Earn 1X the points on everything else
• Enjoy your first checked bag free (up to 23kg/50lb) for up to 9 people travelling on the same reservation on Air Canada®* flights
• Earn 1,000 Status Qualifying Miles and 1 Status Qualifying Segment for every $10,000 in eligible net purchases charged to your Card
• As an American Express Aeroplan Cardmember, you can often book flight rewards for even fewer points with preferred pricing
• American Express® Experiences: From music and movies, to specially curated dining and online shopping opportunities, stay connected with all that we have to offer from the comfort of your own home
• Enjoy an array of travel related insurance benefits such as Lost or Stolen Baggage Insurance and up to $500,000 in Travel Accident Insurance
• 24/7 Customer Service and Emergency Card Replacement
• As part of our commitment to sustainability, the American Express^® Aeroplan^®* Card has been made with 70% reclaimed plastic.
• No pre-set spending limit on purchases gives you flexibility. Using a charge card is a great way to manage your finances as the balance must be paid in full each month*

• New American Express® Aeroplan®* Reserve Cardmembers can earn up to 85,000 Aeroplan points.
  • Earn 60,000 Aeroplan points after spending $7,500 in purchases on your Card within the first 3 months
    
  • Plus, earn an additional 25,000 Aeroplan points when you spend $2,500 in purchases in month 13
    
  • That’s up to $2,600 or more in value when you combine your welcome bonus points and card benefits
• New Offer: Cardmembers can now get an extra night free for every 3 consecutive hotel nights redeemed with Aeroplan points. Offer ends December 31, 2024
• Highest Air Canada earn rate on an Aeroplan payment card in Canada: Earn 3X the points on eligible purchases made directly with Air Canada^®* and Air Canada Vacations^®*
• Standard Earn Rate: Earn 2X the points on eligible Dining and Food Delivery purchases in Canada and earn 1.25X the points on everything else
  
• Get through the airport quicker with Air Canada Priority Check-In, Air Canada Priority Boarding and Air Canada Priority Baggage Handling
• Enjoy access to select Air Canada Maple Leaf Lounges^™* and Air Canada Café^™ in North America for you and a guest, with a same day ticket on a departing Air Canada^®* or Star Alliance^®* flight
• Enjoy your eligible first checked bag free for up to 9 people travelling on the same reservation on Air Canada flights
• Roll over any unallocated Aeroplan Elite™* Status Qualifying Miles and unused eUpgrade Credits to the following year to enjoy during your travels
• Get access with your American Express^® Aeroplan^®* Reserve Card to more than 1,200 Priority Pass airport lounges and enjoy an oasis of comfort before your flight, regardless of your airline or cabin class
• Receive up to $100 CAD in statement credits every four years when a NEXUS application or renewal fee is charged to your American Express Aeroplan Reserve Card
• Receive one Annual Worldwide Companion Pass when you spend $25,000 in net purchases prior to your Card anniversary date; your Pass entitles you to buy an accompanying Air Canada economy class ticket for a companion at a fixed base fare from $99 to a maximum of $599 CAD (plus taxes, fees, charges, and surcharges)
• American Express® Experiences: From music and movies, to specially curated dining and online shopping opportunities, stay connected with all that we have to offer from the comfort of your own home
• Get more from your travel experience at Toronto Pearson International Airport with:
  • Access to Pearson Priority Security Lane
  • Complimentary valet service at the Express Park and Daily Park
  • 15% discount on parking rates at the Express Park and Daily Park
  • 15% discount on Auto Care services
• American Express® Aeroplan®* Reserve Card is made from precision cut and engraved 13 g metal – it’s the perfect companion on your next exceptional journey
• Insurance Coverage: whether you’re shopping nearby or travelling abroad, you can feel confident knowing you can be taken care of

Welcome offer:

• 20% cash back on eligible gas, groceries and drugstore purchases and pre-authorized payments for your first 3 months. Up to $500 spend.^†

Get :

• 4% cash back for eligible purchases at restaurants, bars and coffee shops (up to $5,000 spend per calendar year).^†
• 1.5% cash back for eligible purchases made at grocery stores, gas stations, drug stores and for eligible pre-authorized purchases (up to $15,000 spend per calendar year).^†
• 0.5% cash back on all other purchases (with no limit on spend per calendar year).^†

Other features:

• Purchase Security and Extended Protection Insurance.^† Protect your purchases with double the manufacturer’s warranty, up to one additional year.
• Get cash back when you send a Global Money Transfer and pay with your Visa* Card.^†
• Send money abroad for no fee with your Simplii Visa using Simplii Global Money Transfer.
• No annual fee

Welcome Offer

Earn up to 15,000 bonus Scene+ points in your first year (that’s up to $150 in points value). See offer details.

• Earn Scene+ points at Home Hardware and redeem with any Scene+ rewards partner.
• Earn 1 Scene+ point for every $1 spent on your card for eligible business purchases at Home Hardware.
• Redeem your Scene+ points on what you want for your business – business travel, office improvements, entertainment, groceries, gift cards from 60+ brands, tech, and even account credits.
• Use at any retailer where Visa is accepted.
• Manage your cash flow with a 21-Day interest free grace period on new purchases.

Visa* SavingsEdge

One great program – two paths to savings on your everyday business purchases with Visa SavingsEdge:

• Everyday Savings Offers: automatically available after you enroll, requiring no coupons or codes and are applied as statement credits on enrolled Visa Business cardholder’s future account statements.
• Instant Savings Offers: savings applied to your cart using a promotion code prior to making a qualifying purchase on a participating merchant’s website.

It’s free to join. Visit Visa SavingsEdge to enroll your eligible business and learn more.

Save on car rentals

• As a Scotia Home Hardware PRO Visa Business cardholder, you can save up to 25% off base rates at participating AVIS locations Worldwide and at participating Budget locations in Canada and the U.S. when you pay with your Scotia Home Hardware PRO Visa Business card.

Save time at the checkout

• Tap your Scotia Home Hardware PRO Visa Business Card or your mobile wallet for quick easy payments.
• Visa payWave* – Save time when paying for small, everyday purchases with Visa payWave. Simply wave your card over the card reader and go!
• Click to Pay – Paying online with your Visa card is easy, smart, and secure. Just click to pay with your Visa when you see the Click to Pay icon where your Scotiabank card is accepted.
• Also, use your phone to make on-the-go payments with: Google Pay, Samsung Pay, Apple Pay.

Insurance Coverage

• Purchase Security & Extended Warranty Protection
• Optional Scotia Business Loan Protection Insurance

• Earn up to 2 points per dollar spent
• Benefit from a complete travel insurance
• Out-of-Province Hospital Medical Insurance, Trip Interruption Insurance, Trip Cancellation Insurance, Flight Delay Insurance, Baggage Delay Insurance, Stolen or Lost Baggage Insurance
• Medical, general and legal assistance
• Purchase insurance against theft or damage
• Extended warranty