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We present you the Milesopedia 2025 Ranking of the:
You can find our methodology here.
This year, we’ve expanded our awards list to include votes from our Milesopedia Community Members for certain awards.
The Best Credit Cards in 2025 for Everyday Life:
The Best Credit Cards in 2025 for Travel:
The Best Credit Cards in 2025 based on Customer Profile:
The Best Credit Cards in 2025 according to the Milesopedia Community and statistics from Milesopedia’s network (Milesopedia.com and partners):
The Best Loyalty Programs in 2025 according to the Milesopedia Community:
The Best Bank Accounts in 2025 according to Milesopedia:
For this 2025 edition, we have divided credit cards into 4 main categories:
In 2024-2025, the economic context has profoundly changed consumer habits. In an inflationary environment, Canadians are looking for products that can help them save money on expenses such as groceries, gas, recurring bills or drugstore purchases.
The credit cards listed below all stood out in 2024 in their respective categories for offering their cardholders more than their competitors. That’s why we’ve selected them as the Best Credit Cards in Canada in 2025 for everyday life.
The CIBC Dividend® Visa Infinite* Card is the Best Cash Back Credit Card in 2025 in Canada for these reasons:
Here are 3 other credit card choices in this category:
The CIBC Dividend® Visa* Card is the Best No Fee Cash Back Credit Card in Canada in 2025 for these reasons:
Voici 3 autres choix de cartes de crédit dans cette catégorie :
Scotiabank Gold American Express® Card is the Best Grocery Credit Card in Canada in 2025 for these reasons:
The RBC ION+ Visa Card is the Best Credit Card for Gas and Transit in Canada in 2025 for these reasons:
The Scotia Momentum® VISA Infinite* Card is the Best Credit Card for Recurring Payments in 2025 in Canada for these reasons:
The American Express Cobalt® Card is the Best Credit Card for Dining in Canada in 2025 for these reasons:
The CIBC Select Visa* Card is the Best Balance Transfer Credit Card in Canada in 2025:
Scotiabank Value® Visa* Card is the Best Low-Interest Rate Credit Card in Canada in 2025 for these reasons:
Since 2022, after two years of the pandemic, Canadians have been looking forward to getting away from it all: travel has resumed in earnest. But here too, the context has changed: we’ve noticed that travellers are looking for greater comfort, insurance and savings.
Credit cards offering airport lounge access, travel credits for enhanced comfort, insurance coverage for unforeseen events, or no foreign transaction fees have stood out in this ranking.
Since 2022, we’ve seen unprecedented welcome offers designed to equip travellers with top-notch payment solutions! Here are the Best Travel Rewards Credit Cards in Canada for 2025.
The National Bank World Elite Mastercard is the Best Credit Card for Travel in 2025 in Canada for these reasons:
The RBC Avion Visa Infinite Card is the Best Flexible Travel Rewards Credit Card in 2025 in Canada for these reasons:
The TD First Class Travel® Visa Infinite* Card is the Best Travel Rewards Credit Card in 2025 in Canada for these reasons:
The Scotiabank Passport™ Visa Infinite* Card is the Best No Foreign Conversion Fee Credit Card in 2025 in Canada for these reasons:
The TD® Aeroplan® Visa Infinite* Card is the Best Airline Credit Card in 2025 in Canada for these reasons:
The American Express Platinum Card® is the Best Premium Credit Card in Canada in 2025 for these reasons:
The American Express® Aeroplan®* Reserve Card is the Best Credit Card For Frequent Flyers in 2025 in Canada for these reasons:
Every consumer profile is different, and evolves from year to year as needs change.
This year, thanks to the feedback we’ve received from members of the Milesopedia community, we’ve decided to refine our ranking to better suit each type of profile.
For example:
This ranking also lists the best cards for entrepreneurs.
Here are the Best Credit Cards in Canada in 2025 by Customer Profile.
The CIBC Dividend® Visa* Card for Students is the Best Credit Card For Students in Canada in 2025 for these reasons:
The National Bank Platinum Mastercard® is the Best Credit Card for Young Professionals in 2025 in Canada for these reasons:
The Business Platinum Card® from American Express is the Best Business Credit Card in 2025 in Canada for these reasons:
Milesopedia has significant monthly traffic both on its website (Milesopedia.com) and on its subdomains, which are used by our affiliate partners through our white-label credit card comparison tool. Thanks to this highly qualified traffic – since we’re talking about consumers looking for a financial product – we’re able to determine which credit cards are the most frequently consulted and, ultimately, the most subscribed to throughout our “Milesopedia network”.
We have decided to divide this section of the ranking according to the 3 main credit card networks.
New in 2025! We surveyed members of the Milesopedia community to find out what they think are the best credit cards in the two main categories: Cash Back and Travel.
Here are the rankings of the Best Credit Cards in Canada in 2025, according to the Milesopedia Community and Network (Milesopedia.com and affiliated partners).
The American Express Cobalt® Card is the Best American Express Credit Card in 2025 in Canada for these reasons:
The National Bank World Elite Mastercard is the Best Mastercard Credit Card in 2025 in Canada for these reasons:
The CIBC Aventura® Visa Infinite* Card is Canada’s Best Visa Credit Card 2025 for these reasons:
The Scotiabank Gold American Express® Card is the Best Cash Back Credit Card According to the Milesopedia Community in 2025 for these reasons:
Here are the other 2 cards completing the Milesopedia community vote in this category:
The American Express Cobalt® Card is the Best Travel Credit Card According to the Milesopedia Community in 2025 for these reasons:
For this 2025 edition, we asked members of the Milesopedia Community to vote for the Best Loyalty Programs they use every day.
The Aeroplan Loyalty Program was voted Best Airline Program by the Milesopedia Community in 2025 for these reasons, mentioned by voters:
Here are the 2 other loyalty programs completing the Milesopedia Community vote in this category:
The Marriott Bonvoy Loyalty Program was voted the Best Hotel Program by the Milesopedia Community in 2025 for these reasons, as mentioned by voters:
The American Express Membership Rewards Loyalty Program was voted the Best Banking Program by the Milesopedia Community in 2025 for these reasons, as mentioned by voters:
The Scene+ loyalty program was voted Best Cash Back Program by the Milesopedia Community in 2025 for these reasons, as mentioned by voters:
Another new feature of this 2025 edition is the addition of the Best Bank Accounts based on our experience and that of our Community members.
The Scotiabank Ultimate Package Chequing Account was voted Best Premium Chequing Account by Milesopedia in 2025 for these reasons:
Here are the 2 other high-end bank accounts completing the list of winners in this category:
Le Compte courant Banque EQ a été élu meilleur compte bancaire en ligne selon Milesopedia en 2025 pour ces raisons :
Here are the 2 other online banking accounts that complete the list of winners in this category:
The Wealthsimple Cash Account was voted the Best Bank Account for Savings by Milesopedia in 2025 for these reasons:
Here are the 2 other savings bank accounts completing the list of winners in this category:
National Bank was voted the Best Bank for Newcomers in Quebec by Milesopedia in 2025 for these reasons:
Here are the 2 other banks and caisses completing the list of winners in this category:
BMO – Bank of Montreal was voted Best Bank for Newcomers to Canada by Milesopedia in 2025 for these reasons:
Here are the 2 other banks completing the list of winners in this category:
Depuis 2015, sur Milesopedia, nous analysons près de 200 cartes de crédit offertes aux canadiens. Il est possible de les retrouver dans notre comparateur de cartes de crédit. Ce comparateur est d’ailleurs repris et utilisé par Protégez-Vous depuis 2021, confirmant la crédibilité de nos données.
Le réseau Milesopedia est constitué des partenaires suivants :
En plus de nos analyses, nous sommes également des utilisateurs de cartes de crédit : nous avons – ou avons eu – la plupart de ces cartes de crédit dans notre portefeuille. Ce qui nous permet de confirmer ou d’infirmer par la pratique des informations théoriques.
Enfin, nous analysons les différentes retours d’expérience de dizaines de milliers de titulaires de ces cartes de crédit qui nous partagent leurs expériences au sein de la communauté Milesopedia au sujet de chacun de ces produits.
Chaque mois, nous mettons à jour notre classement des meilleures offres de cartes de crédit, pour permettre aux canadiens de trouver la meilleure offre de carte de crédit du moment qui correspond à leurs besoins.
Une offre de carte de crédit peut donc être excellente à certaines périodes de l’année, mais moins à d’autres : c’est pour cela qu’il faut sans cesse se tenir au courant des offres en vigueur – notamment via notre infolettre hebdomadaire.
Sur cette page, nous ne parlerons pas d’offres, mais plutôt d’une évaluation en fonction des caractéristiques globales de chaque carte de crédit. Plusieurs facteurs sont ainsi considérés pour choisir la meilleure carte de crédit en 2025 au Canada par catégorie comme:
Concernant les prix de la Communauté Milesopedia, ceux-ci ont été décernés à la suite d’un vote réalisé auprès des lecteurs et abonnés à l’infolettre de Milesopedia entre le 15 novembre et le 10 décembre 2024.
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