Credit cards

We have analyzed more than 140 credit cards in Canada.

Find the best credit card for your needs: use our filters to compare your options by issuer, reward type, reward program, annual fee, income, offer value, etc.

Welcome Offer and Renewal

Earn up to 25,000 miles, including a welcome bonus and an annual renewal bonus.

  • 5,000 miles on card activation and first transaction
  • Additional 15,000 miles when you spend $3,000 net of refunds within 3 months
  • 5,000 miles per year (renewal) when the account remains open and active within 365 days

Earn rates: 1.25 miles/$ on United and Star Alliance flights; 1 mile/$ on dining and groceries; 0.75 miles/$ everywhere else; bonus miles via 10,000+ Neo partners.

Secured card: a security deposit is required. Limited to new customers who have not held a United Neo World Elite Mastercard. Annual personal income of $80,000 or household income of $150,000. Chubb travel insurance is not offered in Quebec.

Annual Fee
  • Primary card $89
  • Additional card
Annual Income Required
  • Individual $80,000
  • Household $150,000
Conversion fees
  • 2.5 %
Value
  • Year 1 $805
  • Year 2+ $355
Best For
Transfer Partners
  • United MileagePlus

Advantages

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

Travel Insurance

Insurance Name
Included
Amount
Duration
  • 2% on all purchases (2 points/$1)
  • Welcome bonus: 25,000 points (~$250)
  • Annual fee of $150
  • Purchase interest rate of 20.99%
  • Alberta residents; in-branch application
Legal

*Conditions apply. Information sheet.

Annual Fee
  • Primary card $150
  • Additional card
Annual Income Required
  • Individual $80,000
  • Household $150,000
Conversion fees
  • 2.5 %
Value
  • Year 1
  • Year 2+
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
  • No annual fee
  • Cash Back on eligible purchases
  • 19.99% purchase interest rate
  • Issued by Collabria for Coast Capital
  • Membership required; primarily in British Columbia
Legal

*Conditions apply. Fact sheet. Rates to be confirmed.

Annual Fee
  • Primary card $0
  • Additional card
Annual Income Required
  • Individual $0
  • Household $0
Conversion fees
  • 2.5 %
Value
  • Year 1
  • Year 2+
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
  • 1 Vancity Rewards point per $1 (2× on travel through Vancity Rewards)
  • Points worth 1 cent each
  • Access to Visa Airport Companion lounges
  • Purchase interest rate of 19.50%
  • Annual fee of $120 (waived in the first year)
  • Vancity membership required; primarily in British Columbia
Legal

*Conditions apply. Information sheet.

Annual Fee
  • Primary card $120
  • Additional card
Annual Income Required
  • Individual $60,000
  • Household $100,000
Conversion fees
  • 2.5 %
Value
  • Year 1
  • Year 2+
Best For

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
  • 8 points/$1 on travel
  • 6 points/$1 on groceries, gas, streaming, and entertainment
  • 2 points/$1 on all other purchases
  • Welcome Bonus: 40,000 points ($200 value)
  • Annual fee waived for the first year (then $120)
  • Available to Alberta residents
Legal

*Conditions apply. Information sheet.

Annual Fee
  • Primary card $120
  • Additional card
Annual Income Required
  • Individual $80,000
  • Household $150,000
Conversion fees
  • 2.5 %
Value
  • Year 1
  • Year 2+
Best For

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
  • Secured Card to Build Credit
  • $49 Annual Fee
  • 19.99% purchase interest rate
  • Requires a Security Deposit
  • Available to Alberta residents
Legal

*Conditions apply. Information sheet.

Annual Fee
  • Primary card $49
  • Additional card
Annual Income Required
  • Individual $0
  • Household $0
Conversion fees
  • 2.5 %
Value
  • Year 1
  • Year 2+
Best For

Advantages

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

Travel Insurance

Insurance Name
Included
Amount
Duration
  • Low fixed interest rate of 10.90% (purchases and cash advances)
  • $29 annual fee
  • No rewards
  • Available to Alberta residents
Legal

*Conditions apply. Information sheet.

Annual Fee
  • Primary card $29
  • Additional card
Annual Income Required
  • Individual $0
  • Household $0
Conversion fees
  • 2.5 %
Value
  • Year 1
  • Year 2+
Best For

Advantages

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

Travel Insurance

Insurance Name
Included
Amount
Duration
  • No annual fee
  • 1% cash back on all purchases
  • Cash back paid annually as a statement credit
  • Available to Alberta residents
Legal

*Conditions apply. Information sheet.

Annual Fee
  • Primary card $0
  • Additional card
Annual Income Required
  • Individual $0
  • Household $0
Conversion fees
  • 2.5 %
Value
  • Year 1
  • Year 2+
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
  • Low Purchase Interest Rate of 14.90%
  • Annual Fee of $59
  • Refundable security deposit of $500 to $10,000
  • Helps build or rebuild your credit
  • Reported to both major credit bureaus
  • No credit history required
Legal

*Conditions apply. Information sheet.

Annual Fee
  • Primary card $59
  • Additional card
Annual Income Required
  • Individual $0
  • Household $0
Conversion fees
  • 2.5 %
Value
  • Year 1
  • Year 2+
Best For

Advantages

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

Travel Insurance

Insurance Name
Included
Amount
Duration
  • No annual fee
  • 19.99% purchase interest rate
  • Refundable security deposit of $500 to $10,000
  • Helps build or rebuild your credit
  • Reported to both major credit bureaus
  • No credit history required
Legal

*Conditions apply. Information sheet.

Annual Fee
  • Primary card $0
  • Additional card
Annual Income Required
  • Individual $0
  • Household $0
Conversion fees
  • 2.5 %
Value
  • Year 1
  • Year 2+
Best For

Advantages

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

Travel Insurance

Insurance Name
Included
Amount
Duration
  • No annual fee
  • No foreign currency conversion fees (save 2.5% on currency purchases)
  • 1% cash back on all eligible purchases, with no cap
  • Purchase security (90 days)
  • Visa Zero Liability Protection
  • Minimum annual income of $15,000
Legal

*Conditions apply. Information sheet.

Annual Fee
  • Primary card $0
  • Additional card
Annual Income Required
  • Individual $15,000
  • Household $0
Conversion fees
  • 0 %
Value
  • Year 1
  • Year 2+
Best For

Advantages

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

Travel Insurance

Insurance Name
Included
Amount
Duration

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