Best credit cards in Canada

Beta version — October 2022

Getting new credit cards is one of the best ways for Canadians to travel more for less.

It’s how we easily get over a thousand dollars in travel rewards every year ourselves, all the while improving our credit score and getting plenty of other awesome travel benefits.

The key is to choose cards among the best credit cards in Canada (offers change constantly) and to always pay balances on-time and in full.

Here’s our monthly ranking, which focuses mainly on our Flytrippers Valuation of the credit cards’ welcome bonuses alone, since that’s what will be the same for any type of traveler—and because that is what is most important to maximize travel rewards.

(More details about how the ranking works or our Flytrippers Valuation.)

Flytrippers ranking of the best credit card offers in Canada (October 2022)

These are the best of the best, the credit cards with the highest welcome bonus offers in Canada right now. You can’t go wrong with any of these credit cards that all offer at least $301 in travel rewards with their welcome bonuses alone, but we help you choose below too.

You can read our detailed page about the best credit card offers in Canada for October 2022 (coming soon).

Best credit card offers
(September 2022)
WELCOME BONUS
( VALUATION)
Best
for
American Express Aeroplan Reserve Card
Card:
Bonus: spend $6k in 6 mos.
Rewards: ≈ $1388
Card Fee: $599
For Air Canada
lounge access
& other AC benefits
RBC Avion Visa Infinite Card
Card:
Bonus: spend $5k in 6 mos.
Rewards: ≈ $900
Card Fee: $120
Non-Amex
with
flexible rewards
ends October 31st
American Express Cobalt Card
Card:
Bonus: spend $500/mo for 12 mos.
Rewards: ≈ $900
Card Fee: $156
Best overall
card
in Canada
American Express Aeroplan Card
Card:
Bonus: spend $3k in 6 mos.
Rewards: ≈ $795
Card Fee: $120
Lowest spend
for valuable
Aeroplan pts
RBC British Airways Visa Infinite Card
Card:
Bonus: spend $6k in 3 mos.
Rewards: ≈ $840
Card Fee: $165
Great airline
rewards
for big spenders
ends September 30th
American Express Business Edge Card
Card: no business required
Bonus: spend $5k in 3 mos.
Rewards: ≈ $750
Card Fee: $99
A good
earn rate
3X on dining & more
limited time
HSBC World Elite Mastercard (non-QC)
Card:
Bonus: spend $6k in 6 mos. (see QC offer)
Rewards: ≈ $639
Card Fee: $0 $149
No FX fee
good earn rate
& flexible rewards
ends October 31st
American Express Gold Rewards Card
Card:
Bonus: spend $3k in 3 mos.
Rewards: ≈ $745
Card Fee: $250
Flexible rewards
and 4
airport lounge passes
Platinum Card from American Express
Card:
Bonus: spend $6k in 3 mos.
Rewards: ≈ $1190
Card Fee: $699
Unlimited access to
airport lounges
and flexible rewards
WestJet RBC World Elite Mastercard
Card:
Bonus: spend $5k in 3 mos.
Rewards: $525
Card Fee: $119
Simple
fixed-value
rewards for flights
BMO eclipse Visa Infinite Card
Card:
Bonus: spend $3k in 3 mos.
Rewards: $360
Card Fee: $0 $120
Easy
credits
simple rewards
Marriott Bonvoy American Express Card
Card:
Bonus: spend $1.5k in 3 mos.
Rewards: ≈ $477
Card Fee: $120
Very lucrative
hotel points
for specific hotels
Marriott Bonvoy Business American Express Card
Card: no business required
Bonus: spend $1.5k in 3 mos.
Rewards: ≈ $477
Card Fee: $150
For those
who already have
the one above
SimplyCash Preferred Card from American Express
Card:
Bonus: spend $4k in 4 mos.
Rewards: $400
Card Fee: $99
Cashback
fans
who spend more
Terms and conditions apply. Flytrippers editorial opinion only. Financial institutions are not responsible for maintaining the content on this site. Please click "See More" to see most up-to-date information.
Best credit card offers
(September 2022)
American Express® Aeroplan®* Reserve Card American Express Aeroplan Reserve Card
Card:
Bonus: spend $6k in 6 mos.
WELCOME BONUS
Rewards: ≈ $1388
Card Fee: $599
Best for: For Air Canada lounge access
& other AC benefits
RBC Avion Visa Infinite Card RBC Avion Visa Infinite Card
Card:
Bonus: spend $5k in 6 mos.
WELCOME BONUS
ends October 31st
Rewards: ≈ $900
Card Fee: $120
Best for: Non-Amex with
flexible rewards
American Express Cobalt® Card American Express Cobalt Card
Card:
Bonus: spend $500/mo for 12 mos.
WELCOME BONUS
Rewards: ≈ $900
Card Fee: $156
Best for: Best overall card
in Canada
American Express® Aeroplan®* Card American Express Aeroplan Card
Card:
Bonus: spend $3k in 6 mos.
WELCOME BONUS
Rewards: ≈ $795
Card Fee: $120
Best for: Lowest spend for valuable
Aeroplan pts
RBC® British Airways Visa Infinite RBC British Airways Visa Infinite Card
Card:
Bonus: spend $6k in 3 mos.
WELCOME BONUS
ends September 30th
Rewards: ≈ $840
Card Fee: $165
Best for: Great airline rewards
for big spenders
American Express Business Edge Card American Express Business Edge Card
Card: no business required
Bonus: spend $5k in 3 mos.
WELCOME BONUS
limited time
Rewards: ≈ $750
Card Fee: $99
Best for: A good earn rate
3X on dining & more
HSBC World Elite® Mastercard® HSBC World Elite Mastercard (non-QC)
Card:
Bonus: spend $6k in 6 mos. (see QC offer)
WELCOME BONUS
ends October 31st
Rewards: ≈ $639
Card Fee: $0 $149
Best for: No FX fee good earn rate
& flexible rewards
American Express® Gold Rewards Card American Express Gold Rewards Card
Card:
Bonus: spend $3k in 3 mos.
WELCOME BONUS
Rewards: ≈ $745
Card Fee: $250
Best for: Flexible rewards and 4
airport lounge passes
Platinum Card® from American Express Platinum Card from American Express
Card:
Bonus: spend $6k in 3 mos.
WELCOME BONUS
Rewards: ≈ $1190
Card Fee: $699
Best for: Unlimited access to airport lounges
and flexible rewards
WestJet RBC World Elite Mastercard WestJet RBC World Elite Mastercard
Card:
Bonus: spend $5k in 3 mos.
WELCOME BONUS
Rewards: $525
Card Fee: $119
Best for: Simple fixed-value
rewards for flights
BMO eclipse Visa Infinite* Card BMO eclipse Visa Infinite Card
Card:
Bonus: spend $3k in 3 mos.
WELCOME BONUS
Rewards: $360
Card Fee: $0 $120
Best for: Easy credits
simple rewards
Marriott Bonvoy American Express® Card Marriott Bonvoy American Express Card
Card:
Bonus: spend $1.5k in 3 mos.
WELCOME BONUS
Rewards: ≈ $477
Card Fee: $120
Best for: Very lucrative hotel points
for specific hotels
Marriott Bonvoy Business American Express® Card Marriott Bonvoy Business American Express Card
Card: no business required
Bonus: spend $1.5k in 3 mos.
WELCOME BONUS
Rewards: ≈ $477
Card Fee: $150
Best for: For those who already have
the one above
SimplyCash Preferred Card from American Express® SimplyCash Preferred Card from American Express
Card:
Bonus: spend $4k in 4 mos.
WELCOME BONUS
Rewards: $400
Card Fee: $99
Best for: Cashback fans
who spend more
Terms and conditions apply. Flytrippers editorial opinion only. Financial institutions are not responsible for maintaining the content on this site. Please click "See More" to see most up-to-date information.

Best credit cards in Canada by category

Since there is no such thing as one  “best card”, this beta version of our ranking of the best credit cards is now also split into various different sections based on your own preferences, profile, and strategy.

You can read a teaser about how to choose the best credit cards for you below the ranking, with more to come.

We’ll soon have even more categories, detailed credit card pages, comparison features, and more: sign up for free to be the first to get the full version.

Beginners: our upcoming free course (written & video) will explain how travel rewards & credit cards work in greater detail, but if you are new to this world, it’s important to read some basic knowledge (like not canceling old cards) also below the ranking.

Best credit cards in Canada for groceries

A lot of travel rewards beginners have a hard time understanding that earn rates aren’t as important as welcome bonuses, so we figured adding this section would be a great opportunity to remind you. But with groceries being such a big expense, these cards are great for those getting started out.

You can read our detailed page about the best credit cards in Canada for groceries (coming soon).

 

Best credit cards
for groceries
WELCOME BONUS
( VALUATION)
Earn rate
on groceries
American Express Cobalt Card
Card:
Bonus: spend $500/mo for 12 mos.
Rewards: ≈ $900
Card Fee: $156
≈ 7.5%
as Aeroplan/Avios pts
$30k annual cap
American Express Cobalt Card
Card:
Bonus: spend $500/mo for 12 mos.
Rewards: $600
Card Fee: $156
5%
as cash back
$30k annual cap
Scotiabank Gold American Express Card
Card:
Bonus: spend $1k in 3 mos.
Rewards: $250
Card Fee: $0 $120
5%
in simple credit
$50k annual cap
ends October 31st
CIBC Dividend Visa Infinite Card
Card:
Bonus: spend $2.5k in 4 mos.
Rewards: $250
Card Fee:
4%
as cash back
$20k annual cap
BMO CashBack World Elite Mastercard
Card:
Bonus: spend $2k in 3 mos.
Rewards: $200
Card Fee: $0 $120
5%
as cash back
$500 monthly cap
Scotia Momentum Visa Infinite Card
Card:
Bonus: spend $2k in 3 mos.
Rewards: $200
Card Fee: $0 $120
4%
as cash back
$25k annual cap
BMO eclipse Visa Infinite Card
Card:
Bonus: spend $3k in 3 mos.
Rewards: $360
Card Fee: $0 $120
3.33%
in simple credit
$50k annual cap
Tangerine World Mastercard
Card:
Bonus: spend $1k in 2 mos.
Rewards: $170
Card Fee: $0
2%
as cash back
no cap
ends September 30th
Terms and conditions apply. Flytrippers editorial opinion only. Financial institutions are not responsible for maintaining the content on this site. Please click "See More" to see most up-to-date information.
Best credit cards
for groceries
American Express Cobalt® Card American Express Cobalt Card
Card:
Bonus: spend $500/mo for 12 mos.
WELCOME BONUS
Rewards: ≈ $900
Card Fee: $156
Earn rate on groceries: ≈ 7.5% as Aeroplan/Avios pts
$30k annual cap
American Express Cobalt® Card American Express Cobalt Card
Card:
Bonus: spend $500/mo for 12 mos.
WELCOME BONUS
Rewards: $600
Card Fee: $156
Earn rate on groceries: 5% as cash back
$30k annual cap
Scotiabank Gold American Express® Card Scotiabank Gold American Express Card
Card:
Bonus: spend $1k in 3 mos.
WELCOME BONUS
ends October 31st
Rewards: $250
Card Fee: $0 $120
Earn rate on groceries: 5% in simple credit
$50k annual cap
CIBC Dividend® Visa Infinite* Card CIBC Dividend Visa Infinite Card
Card:
Bonus: spend $2.5k in 4 mos.
WELCOME BONUS
Rewards: $250
Card Fee:
Earn rate on groceries: 4% as cash back
$20k annual cap
BMO CashBack® World Elite®* MasterCard®* BMO CashBack World Elite Mastercard
Card:
Bonus: spend $2k in 3 mos.
WELCOME BONUS
Rewards: $200
Card Fee: $0 $120
Earn rate on groceries: 5% as cash back
$500 monthly cap
Scotia Momentum® Visa Infinite* Card Scotia Momentum Visa Infinite Card
Card:
Bonus: spend $2k in 3 mos.
WELCOME BONUS
Rewards: $200
Card Fee: $0 $120
Earn rate on groceries: 4% as cash back
$25k annual cap
BMO eclipse Visa Infinite* Card BMO eclipse Visa Infinite Card
Card:
Bonus: spend $3k in 3 mos.
WELCOME BONUS
Rewards: $360
Card Fee: $0 $120
Earn rate on groceries: 3.33% in simple credit
$50k annual cap
Tangerine World Mastercard® Tangerine World Mastercard
Card:
Bonus: spend $1k in 2 mos.
WELCOME BONUS
ends September 30th
Rewards: $170
Card Fee: $0
Earn rate on groceries: 2% as cash back
no cap
Terms and conditions apply. Flytrippers editorial opinion only. Financial institutions are not responsible for maintaining the content on this site. Please click "See More" to see most up-to-date information.

Best credit cards in Canada for airport lounge access

The only thing better than airport lounge access is free airport lounge access. We love airport lounges. And it’s easy for any Canadian to get free airport lounge access with these cards, no matter how often you travel.

You can read our detailed page about the best credit cards in Canada for airport lounge access (coming soon).

Best credit cards for
airport lounge access
WELCOME BONUS
( VALUATION)
Lounge
passes
Platinum Card from American Express
Card:
Bonus: spend $6k in 3 mos.
Rewards: ≈ $1190
Card Fee: $699
Unlimited + 1 guest
worldwide
Priority Pass + more
American Express Aeroplan Reserve Card
Card:
Bonus: spend $6k in 6 mos.
Rewards: ≈ $1388
Card Fee: $599
Unlimited + 1 guest
in North America
Air Canada Lounges (on *A)
American Express Gold Rewards Card
Card:
Bonus: spend $3k in 3 mos.
Rewards: ≈ $745
Card Fee: $250
4 passes
in Canada
Plaza Premium only
Scotiabank Platinum American Express Card
Card:
Bonus: spend $3k in 3 mos.
Rewards: $560
Card Fee: $399
10 passes
worldwide
Priority Pass & Plaza Premium
ends October 31st
CIBC Aventura Gold Visa Card
Card:
Bonus: make 1 purchase (no min.)
Rewards: ≈ $220
Card Fee:
4 passes
worldwide
DragonPass
CIBC Aventura Visa Infinite Card
Card:
Bonus: make 1 purchase (no min.)
Rewards: ≈ $220
Card Fee:
4 passes
worldwide
DragonPass
BMO Ascend World Elite MasterCard
Card:
Bonus: spend $3k in 3 mos.
Rewards: $240
Card Fee: $0 $150
4 passes
worldwide
DragonPass
Scotia Passport Visa Infinite Card
Card:
Bonus: spend $1k in 3 mos.
Rewards: $260
Card Fee: $139
6 passes
worldwide
DragonPass
National Bank World Elite Mastercard
Card:
Bonus: no welcome bonus
Rewards: ≈ $150
Card Fee: $150
Unlimited + 1 guest
at YUL only
NBC Lounge (intl)
ends August 31st
BMO eclipse Visa Infinite Privilege Card
Card:
Bonus: spend $6k in 3 mos.
Rewards: $853
Card Fee: $499
6 passes
worldwide
DragonPass
Business Platinum Card from American Express
Card: no business required
Bonus: spend $6k in 3 mos.
Rewards: ≈ $1313
Card Fee: $499
Unlimited + 1 guest
worldwide
Priority Pass + more
American Express Aeroplan Business Reserve Card
Card: no business required
Bonus: spend $3k in 3 mos.
Rewards: ≈ $506
Card Fee: $599
Unlimited + 1 guest
in North America
Air Canada Lounges (on *A)
Terms and conditions apply. Flytrippers editorial opinion only. Financial institutions are not responsible for maintaining the content on this site. Please click "See More" to see most up-to-date information.
Best credit cards for
airport lounge access
Platinum Card® from American Express Platinum Card from American Express
Card:
Bonus: spend $6k in 3 mos.
WELCOME BONUS
Rewards: ≈ $1190
Card Fee: $699
Lounge passes: Unlimited + 1 guest worldwide
Priority Pass + more
American Express® Aeroplan®* Reserve Card American Express Aeroplan Reserve Card
Card:
Bonus: spend $6k in 6 mos.
WELCOME BONUS
Rewards: ≈ $1388
Card Fee: $599
Lounge passes: Unlimited + 1 guest in North America
Air Canada Lounges (on *A)
American Express® Gold Rewards Card American Express Gold Rewards Card
Card:
Bonus: spend $3k in 3 mos.
WELCOME BONUS
Rewards: ≈ $745
Card Fee: $250
Lounge passes: 4 passes in Canada
Plaza Premium only
Scotiabank Platinum American Express® Card Scotiabank Platinum American Express Card
Card:
Bonus: spend $3k in 3 mos.
WELCOME BONUS
ends October 31st
Rewards: $560
Card Fee: $399
Lounge passes: 10 passes worldwide
Priority Pass & Plaza Premium
CIBC Aventura® Gold Visa* Card CIBC Aventura Gold Visa Card
Card:
Bonus: make 1 purchase (no min.)
WELCOME BONUS
Rewards: ≈ $220
Card Fee:
Lounge passes: 4 passes worldwide
DragonPass
CIBC Aventura® Visa Infinite* Card CIBC Aventura Visa Infinite Card
Card:
Bonus: make 1 purchase (no min.)
WELCOME BONUS
Rewards: ≈ $220
Card Fee:
Lounge passes: 4 passes worldwide
DragonPass
BMO Ascend World Elite®* MasterCard®* BMO Ascend World Elite MasterCard
Card:
Bonus: spend $3k in 3 mos.
WELCOME BONUS
Rewards: $240
Card Fee: $0 $150
Lounge passes: 4 passes worldwide
DragonPass
Scotia Passport Visa Infinite* Card Scotia Passport Visa Infinite Card
Card:
Bonus: spend $1k in 3 mos.
WELCOME BONUS
Rewards: $260
Card Fee: $139
Lounge passes: 6 passes worldwide
DragonPass
National Bank® World Elite Mastercard® National Bank World Elite Mastercard
Card:
Bonus: no welcome bonus
WELCOME BONUS
ends August 31st
Rewards: ≈ $150
Card Fee: $150
Lounge passes: Unlimited + 1 guest at YUL only
NBC Lounge (intl)
BMO eclipse Visa Infinite Privilege* Card BMO eclipse Visa Infinite Privilege Card
Card:
Bonus: spend $6k in 3 mos.
WELCOME BONUS
Rewards: $853
Card Fee: $499
Lounge passes: 6 passes worldwide
DragonPass
Business Platinum Card® from American Express Business Platinum Card from American Express
Card: no business required
Bonus: spend $6k in 3 mos.
WELCOME BONUS
Rewards: ≈ $1313
Card Fee: $499
Lounge passes: Unlimited + 1 guest worldwide
Priority Pass + more
American Express® Aeroplan®* Business Reserve Card American Express Aeroplan Business Reserve Card
Card: no business required
Bonus: spend $3k in 3 mos.
WELCOME BONUS
Rewards: ≈ $506
Card Fee: $599
Lounge passes: Unlimited + 1 guest in North America
Air Canada Lounges (on *A)
Terms and conditions apply. Flytrippers editorial opinion only. Financial institutions are not responsible for maintaining the content on this site. Please click "See More" to see most up-to-date information.

Best credit cards in Canada for easy fixed-value travel credits

While variable-value rewards are the best to maximize the value you get, some prefer easy fixed-value travel credits that can be applied to any travel expense for a lot more flexibility (and are okay with sacrificing value for that). These are the best current offers for easy “eraser”-type points.

You can read our detailed page about the best credit cards in Canada for easy fixed-value travel credits (coming soon).

Best credit cards
for easy travel credits
WELCOME BONUS
( VALUATION)
Best
for
Platinum Card from American Express
Card:
Bonus: spend $6k in 3 mos.
Rewards: $860
Card Fee: $699
Unlimited airport
lounge access
higher spend req.
American Express Gold Rewards Card
Card:
Bonus: spend $3k in 3 mos.
Rewards: $530
Card Fee: $250
Those who
already have
the Cobalt Card
HSBC World Elite Mastercard (non-QC)
Card:
Bonus: spend $6k in 6 mos. (see QC offer)
Rewards: $541
Card Fee: $0 $149
Welcome
bonus
is very good
ends October 31st
RBC Avion Visa Infinite Card
Card:
Bonus: spend $5k in 6 mos.
Rewards: ≈ $600
Card Fee: $120
Non-Amex
with
flexible rewards
ends October 31st
American Express Cobalt Card
Card:
Bonus: spend $500/mo for 12 mos.
Rewards: $600
Card Fee: $156
Big
spenders
or beginners
Scotiabank Gold American Express Card
Card:
Bonus: spend $1k in 3 mos.
Rewards: $250
Card Fee: $0 $120
Very good
travel insurance
and earn rate
ends October 31st
HSBC +Rewards Mastercard (non-QC)
Card:
Bonus: spend $2k in 6 mos. (see QC offer)
Rewards: $185
Card Fee: $0 $25
Non-Amex
option
no travel insurance
HSBC Travel Rewards Mastercard (non-QC)
Card:
Bonus: spend $1k in 6 mos. (see QC offer)
Rewards: $130
Card Fee: $0
Easy & simple
travel credit
for any trip
limited time
Terms and conditions apply. Flytrippers editorial opinion only. Financial institutions are not responsible for maintaining the content on this site. Please click "See More" to see most up-to-date information.
Best credit cards
for easy travel credits
Platinum Card® from American Express Platinum Card from American Express
Card:
Bonus: spend $6k in 3 mos.
WELCOME BONUS
Rewards: $860
Card Fee: $699
Best for: Unlimited airport lounge access
higher spend req.
American Express® Gold Rewards Card American Express Gold Rewards Card
Card:
Bonus: spend $3k in 3 mos.
WELCOME BONUS
Rewards: $530
Card Fee: $250
Best for: Those who already have
the Cobalt Card
HSBC World Elite® Mastercard® HSBC World Elite Mastercard (non-QC)
Card:
Bonus: spend $6k in 6 mos. (see QC offer)
WELCOME BONUS
ends October 31st
Rewards: $541
Card Fee: $0 $149
Best for: Welcome bonus
is very good
RBC Avion Visa Infinite Card RBC Avion Visa Infinite Card
Card:
Bonus: spend $5k in 6 mos.
WELCOME BONUS
ends October 31st
Rewards: ≈ $600
Card Fee: $120
Best for: Non-Amex with
flexible rewards
American Express Cobalt® Card American Express Cobalt Card
Card:
Bonus: spend $500/mo for 12 mos.
WELCOME BONUS
Rewards: $600
Card Fee: $156
Best for: Big spenders
or beginners
Scotiabank Gold American Express® Card Scotiabank Gold American Express Card
Card:
Bonus: spend $1k in 3 mos.
WELCOME BONUS
ends October 31st
Rewards: $250
Card Fee: $0 $120
Best for: Very good travel insurance
and earn rate
HSBC +Rewards Mastercard® HSBC +Rewards Mastercard (non-QC)
Card:
Bonus: spend $2k in 6 mos. (see QC offer)
WELCOME BONUS
Rewards: $185
Card Fee: $0 $25
Best for: Non-Amex option
no travel insurance
HSBC Travel Rewards Mastercard® (excl. QC) HSBC Travel Rewards Mastercard (non-QC)
Card:
Bonus: spend $1k in 6 mos. (see QC offer)
WELCOME BONUS
limited time
Rewards: $130
Card Fee: $0
Best for: Easy & simple travel credit
for any trip
Terms and conditions apply. Flytrippers editorial opinion only. Financial institutions are not responsible for maintaining the content on this site. Please click "See More" to see most up-to-date information.

Best credit cards in Canada for AIR MILES Rewards

The AIR MILES program is widely-known but quite misused: like any rewards program, you can get the highest potential value by using it for travel. And AIR MILES Miles are easy to earn with many credit cards available.

You can read our detailed page about the best credit cards in Canada for AIR MILES Rewards (coming soon).

Best credit cards for
AIR MILES Rewards
WELCOME BONUS
( VALUATION)
AIR MILES
Miles
BMO AIR MILES World Elite MasterCard
Card:
Bonus: spend $3k in 3 mos.
Rewards: ≈ $279
Card Fee: $0 $120
2,325 Miles
after welcome bonus
American Express AIR MILES Reserve Card
Card:
Bonus: spend $3k in 3 mos.
Rewards: ≈ $276
Card Fee: $299
2,400 Miles
after welcome bonus
American Express AIR MILES Platinum Card
Card:
Bonus: spend $1.5k in 3 mos.
Rewards: ≈ $276
Card Fee: $120
2,300 Miles
after welcome bonus
BMO AIR MILES MasterCard
Card:
Bonus: spend $1k in 3 mos.
Rewards: ≈ $110
Card Fee: $0
920 Miles
after welcome bonus
American Express AIR MILES for Business Card
Card: no business required
Bonus: spend $5k in 3 mos.
Rewards: ≈ $280
Card Fee: $180
2,300 Miles
after welcome bonus
BMO AIR MILES Business Mastercard
Card: business required
Bonus: spend $5k in 3 mos.
Rewards: ≈ $420
Card Fee: $0 $120
3,500 Miles
after welcome bonus
BMO AIR MILES No-Fee Business Mastercard
Card: business required
Bonus: spend $3k in 3 mos.
Rewards: ≈ $138
Card Fee: $0
AIR MILES
collectors
who spend less
Terms and conditions apply. Flytrippers editorial opinion only. Financial institutions are not responsible for maintaining the content on this site. Please click "See More" to see most up-to-date information.
Best credit cards for
AIR MILES Rewards
BMO AIR MILES®† World Elite®* MasterCard®* BMO AIR MILES World Elite MasterCard
Card:
Bonus: spend $3k in 3 mos.
WELCOME BONUS
Rewards: ≈ $279
Card Fee: $0 $120
AIR MILES Miles: 2,325 Miles
after welcome bonus
American Express® AIR MILES®* Reserve Card American Express AIR MILES Reserve Card
Card:
Bonus: spend $3k in 3 mos.
WELCOME BONUS
Rewards: ≈ $276
Card Fee: $299
AIR MILES Miles: 2,400 Miles
after welcome bonus
American Express® AIR MILES®* Platinum Card American Express AIR MILES Platinum Card
Card:
Bonus: spend $1.5k in 3 mos.
WELCOME BONUS
Rewards: ≈ $276
Card Fee: $120
AIR MILES Miles: 2,300 Miles
after welcome bonus
BMO AIR MILES®† MasterCard®* BMO AIR MILES MasterCard
Card:
Bonus: spend $1k in 3 mos.
WELCOME BONUS
Rewards: ≈ $110
Card Fee: $0
AIR MILES Miles: 920 Miles
after welcome bonus
American Express® AIR MILES®* for Business Card American Express AIR MILES for Business Card
Card: no business required
Bonus: spend $5k in 3 mos.
WELCOME BONUS
Rewards: ≈ $280
Card Fee: $180
AIR MILES Miles: 2,300 Miles
after welcome bonus
BMO AIR MILES®† Business® Mastercard®* BMO AIR MILES Business Mastercard
Card: business required
Bonus: spend $5k in 3 mos.
WELCOME BONUS
Rewards: ≈ $420
Card Fee: $0 $120
AIR MILES Miles: 3,500 Miles
after welcome bonus
BMO AIR MILES®† No-Fee Business® Mastercard®* BMO AIR MILES No-Fee Business Mastercard
Card: business required
Bonus: spend $3k in 3 mos.
WELCOME BONUS
Rewards: ≈ $138
Card Fee: $0
AIR MILES Miles: AIR MILES collectors
who spend less
Terms and conditions apply. Flytrippers editorial opinion only. Financial institutions are not responsible for maintaining the content on this site. Please click "See More" to see most up-to-date information.

Best credit cards in Canada for Marriott Bonvoy points

Marriott has by far the best hotel rewards program for Canadians, and it is so easy to get many many free hotel nights. This is especially great for those who are like us and are able to find cheap flights anyways (and want to maximize the value they get from rewards).

You can read our detailed page about the best credit cards in Canada for Marriott Bonvoy points (coming soon).

Best credit cards for
Marriott points
WELCOME BONUS
( VALUATION)
Marriott
points
American Express Cobalt Card
Card:
Bonus: spend $500/mo for 12 mos.
Rewards: ≈ $648
Card Fee: $156
72,000 pts
after welcome bonus
Marriott Bonvoy American Express Card
Card:
Bonus: spend $1.5k in 3 mos.
Rewards: ≈ $477
Card Fee: $120
53,000 pts
after welcome bonus
American Express Green Card
Card:
Bonus: spend $1k in 3 mos.
Rewards: ≈ $119
Card Fee: $0
13,200 pts
after welcome bonus
Marriott Bonvoy Business American Express Card
Card: no business required
Bonus: spend $3k in 3 mos.
Rewards: ≈ $477
Card Fee: $150
53,000 pts
after welcome bonus
American Express Business Edge Card
Card: no business required
Bonus: spend $5k in 3 mos.
Rewards: ≈ $540
Card Fee: $99
60,000 pts
(50,000 Amex pts)
after welcome bonus
limited time
Terms and conditions apply. Flytrippers editorial opinion only. Financial institutions are not responsible for maintaining the content on this site. Please click "See More" to see most up-to-date information.
Best credit cards for
Marriott points
American Express Cobalt® Card American Express Cobalt Card
Card:
Bonus: spend $500/mo for 12 mos.
WELCOME BONUS
Rewards: ≈ $648
Card Fee: $156
Marriott points: 72,000 pts
after welcome bonus
Marriott Bonvoy American Express® Card Marriott Bonvoy American Express Card
Card:
Bonus: spend $1.5k in 3 mos.
WELCOME BONUS
Rewards: ≈ $477
Card Fee: $120
Marriott points: 53,000 pts
after welcome bonus
American Express® Green Card American Express Green Card
Card:
Bonus: spend $1k in 3 mos.
WELCOME BONUS
Rewards: ≈ $119
Card Fee: $0
Marriott points: 13,200 pts
after welcome bonus
Marriott Bonvoy Business American Express® Card Marriott Bonvoy Business American Express Card
Card: no business required
Bonus: spend $3k in 3 mos.
WELCOME BONUS
Rewards: ≈ $477
Card Fee: $150
Marriott points: 53,000 pts
after welcome bonus
American Express Business Edge Card American Express Business Edge Card
Card: no business required
Bonus: spend $5k in 3 mos.
WELCOME BONUS
limited time
Rewards: ≈ $540
Card Fee: $99
Marriott points: 60,000 pts (50,000 Amex pts)
after welcome bonus
Terms and conditions apply. Flytrippers editorial opinion only. Financial institutions are not responsible for maintaining the content on this site. Please click "See More" to see most up-to-date information.

Best credit cards in Canada for cashback

Travel rewards are a lot better than cashback if you want to get more value. And some types of travel rewards are just as simple and flexible as cashback. But some still prefer cashback, so here are the few cashback cards that at least have good welcome bonuses.

You can read our detailed page about the best credit cards in Canada for cashback (coming soon).

Best credit cards
for cash back
WELCOME BONUS
( VALUATION)
Earn
rate
American Express Cobalt Card
Card:
Bonus: spend $500/mo for 12 mos.
Rewards: $600
Card Fee: $156
5%
on groceries (1-3% elsewhere)
CIBC Dividend Visa Infinite Card
Card:
Bonus: spend $2.5k in 4 mos.
Rewards: $250
Card Fee:
4%
on groceries (1-2% elsewhere)
Scotia Momentum Visa Infinite Card
Card:
Bonus: spend $2k in 3 mos.
Rewards: $200
Card Fee: $0 $120
4%
on groceries (1-2% elsewhere)
BMO CashBack World Elite Mastercard
Card:
Bonus: spend $2k in 3 mos.
Rewards: $200
Card Fee: $0 $120
5% (with monthly cap)
on groceries (1-4% elsewhere)
CIBC Dividend Platinum Visa Card
Card:
Bonus: spend $2.5k in 4 mos.
Rewards: $250
Card Fee:
3%
on groceries (1-2% elsewhere)
SimplyCash Preferred Card from American Express
Card:
Bonus: spend $4k in 4 mos.
Rewards: $400
Card Fee: $99
2%
on everything
American Express AIR MILES Platinum Card
Card:
Bonus: spend $1.5k in 3 mos.
Rewards: $242
Card Fee: $120
2.1%
on food & gas (1.05% elsewhere)
Tangerine World Mastercard
Card:
Bonus: spend $1k in 2 mos.
Rewards: $170
Card Fee: $0
2%
choice of 3 categories
ends September 30th
CIBC Dividend Visa Card
Card:
Bonus: spend $2k in 4 mos.
Rewards: $100
Card Fee:
2%
on groceries (0.5-1% elsewhere)
BMO AIR MILES MasterCard
Card:
Bonus: spend $1k in 3 mos.
Rewards: $97
Card Fee: $0
1.26%
at AM partners (0.42% elsewhere)
BMO AIR MILES World Elite MasterCard
Card:
Bonus: spend $3k in 3 mos.
Rewards: $244
Card Fee: $0 $120
1.05%
(2.63% at AM partners)
SimplyCash Card from American Express
Card:
Bonus: spend $5k in 6 mos.
Rewards: $200
Card Fee: $0
1.25%
on everything
HSBC Cash Rewards Mastercard (non-QC)
Card:
Bonus: spend $1k in 6 mos. (see QC offer)
Rewards: $130
Card Fee: $0
1.5%
online (0.5-1% elsewhere)
Terms and conditions apply. Flytrippers editorial opinion only. Financial institutions are not responsible for maintaining the content on this site. Please click "See More" to see most up-to-date information.
Best credit cards
for cash back
American Express Cobalt® Card American Express Cobalt Card
Card:
Bonus: spend $500/mo for 12 mos.
WELCOME BONUS
Rewards: $600
Card Fee: $156
Earn rate: 5%
on groceries (1-3% elsewhere)
CIBC Dividend® Visa Infinite* Card CIBC Dividend Visa Infinite Card
Card:
Bonus: spend $2.5k in 4 mos.
WELCOME BONUS
Rewards: $250
Card Fee:
Earn rate: 4%
on groceries (1-2% elsewhere)
Scotia Momentum® Visa Infinite* Card Scotia Momentum Visa Infinite Card
Card:
Bonus: spend $2k in 3 mos.
WELCOME BONUS
Rewards: $200
Card Fee: $0 $120
Earn rate: 4%
on groceries (1-2% elsewhere)
BMO CashBack® World Elite®* MasterCard®* BMO CashBack World Elite Mastercard
Card:
Bonus: spend $2k in 3 mos.
WELCOME BONUS
Rewards: $200
Card Fee: $0 $120
Earn rate: 5% (with monthly cap)
on groceries (1-4% elsewhere)
CIBC Dividend Platinum® Visa* Card CIBC Dividend Platinum Visa Card
Card:
Bonus: spend $2.5k in 4 mos.
WELCOME BONUS
Rewards: $250
Card Fee:
Earn rate: 3%
on groceries (1-2% elsewhere)
SimplyCash Preferred Card from American Express® SimplyCash Preferred Card from American Express
Card:
Bonus: spend $4k in 4 mos.
WELCOME BONUS
Rewards: $400
Card Fee: $99
Earn rate: 2%
on everything
American Express® AIR MILES®* Platinum Card American Express AIR MILES Platinum Card
Card:
Bonus: spend $1.5k in 3 mos.
WELCOME BONUS
Rewards: $242
Card Fee: $120
Earn rate: 2.1%
on food & gas (1.05% elsewhere)
Tangerine World Mastercard® Tangerine World Mastercard
Card:
Bonus: spend $1k in 2 mos.
WELCOME BONUS
ends September 30th
Rewards: $170
Card Fee: $0
Earn rate: 2%
choice of 3 categories
CIBC Dividend® Visa* Card CIBC Dividend Visa Card
Card:
Bonus: spend $2k in 4 mos.
WELCOME BONUS
Rewards: $100
Card Fee:
Earn rate: 2%
on groceries (0.5-1% elsewhere)
BMO AIR MILES®† MasterCard®* BMO AIR MILES MasterCard
Card:
Bonus: spend $1k in 3 mos.
WELCOME BONUS
Rewards: $97
Card Fee: $0
Earn rate: 1.26%
at AM partners (0.42% elsewhere)
BMO AIR MILES®† World Elite®* MasterCard®* BMO AIR MILES World Elite MasterCard
Card:
Bonus: spend $3k in 3 mos.
WELCOME BONUS
Rewards: $244
Card Fee: $0 $120
Earn rate: 1.05%
(2.63% at AM partners)
SimplyCash Card from American Express® SimplyCash Card from American Express
Card:
Bonus: spend $5k in 6 mos.
WELCOME BONUS
Rewards: $200
Card Fee: $0
Earn rate: 1.25%
on everything
HSBC Cash Rewards Mastercard® (excl. QC) HSBC Cash Rewards Mastercard (non-QC)
Card:
Bonus: spend $1k in 6 mos. (see QC offer)
WELCOME BONUS
Rewards: $130
Card Fee: $0
Earn rate: 1.5%
online (0.5-1% elsewhere)
Terms and conditions apply. Flytrippers editorial opinion only. Financial institutions are not responsible for maintaining the content on this site. Please click "See More" to see most up-to-date information.

Best credit cards in Canada with no foreign transaction fees

Almost every Canadian credit card charges a 2.5% fee on all transactions in foreign currencies, which might still be worth paying overall, depending on your card strategy. But these are the best credit cards to avoid that fee altogether.

You can read our detailed page about the best credit cards in Canada with no foreign transaction fees (coming soon).

Best credit cards with
no foreign transaction fees
WELCOME BONUS
( VALUATION)
Other
benefit
HSBC World Elite Mastercard (non-QC)
Card:
Bonus: spend $6k in 6 mos. (see QC offer)
Rewards: ≈ $639
Card Fee: $0 $149
Welcome
bonus
is very good
ends October 31st
Scotiabank Gold American Express Card
Card:
Bonus: spend $1k in 3 mos.
Rewards: $250
Card Fee: $0 $120
Very good
travel insurance
and earn rate
ends October 31st
Scotiabank Platinum American Express Card
Card:
Bonus: spend $3k in 3 mos.
Rewards: $560
Card Fee: $399
Airport
lounge access
10 passes
ends October 31st
Scotia Passport Visa Infinite Card
Card:
Bonus: spend $1k in 3 mos.
Rewards: $260
Card Fee: $139
Airport
lounge access
6 passes
Brim Mastercard
Card:
Bonus: no welcome bonus
Rewards: $0
Card Fee: $0
No-fee
card
add-on w/ other card
Brim World Elite Mastercard
Card:
Bonus: no welcome bonus
Rewards: $0
Card Fee: $0 $199
No minimum
spend
add-on w/ other card
limited time
Terms and conditions apply. Flytrippers editorial opinion only. Financial institutions are not responsible for maintaining the content on this site. Please click "See More" to see most up-to-date information.
Best credit cards with
no foreign transaction fees
HSBC World Elite® Mastercard® HSBC World Elite Mastercard (non-QC)
Card:
Bonus: spend $6k in 6 mos. (see QC offer)
WELCOME BONUS
ends October 31st
Rewards: ≈ $639
Card Fee: $0 $149
Other benefit: Welcome bonus
is very good
Scotiabank Gold American Express® Card Scotiabank Gold American Express Card
Card:
Bonus: spend $1k in 3 mos.
WELCOME BONUS
ends October 31st
Rewards: $250
Card Fee: $0 $120
Other benefit: Very good travel insurance
and earn rate
Scotiabank Platinum American Express® Card Scotiabank Platinum American Express Card
Card:
Bonus: spend $3k in 3 mos.
WELCOME BONUS
ends October 31st
Rewards: $560
Card Fee: $399
Other benefit: Airport lounge access
10 passes
Scotia Passport Visa Infinite* Card Scotia Passport Visa Infinite Card
Card:
Bonus: spend $1k in 3 mos.
WELCOME BONUS
Rewards: $260
Card Fee: $139
Other benefit: Airport lounge access
6 passes
Brim Mastercard Brim Mastercard
Card:
Bonus: no welcome bonus
WELCOME BONUS
Rewards: $0
Card Fee: $0
Other benefit: No-fee card
add-on w/ other card
Brim World Elite Mastercard Brim World Elite Mastercard
Card:
Bonus: no welcome bonus
WELCOME BONUS
limited time
Rewards: $0
Card Fee: $0 $199
Other benefit: No minimum spend
add-on w/ other card
Terms and conditions apply. Flytrippers editorial opinion only. Financial institutions are not responsible for maintaining the content on this site. Please click "See More" to see most up-to-date information.

Best credit cards in Canada for balance transfers

You should never carry a balance on a credit card. If you do, fixing that should be your #1 financial priority (the yearly thousand dollars in travel rewards you can get with credit cards should be good motivation). But if you are carrying a balance, in the meantime these cards will at least help you save on interest by doing a transfer.

You can read our detailed page about the best credit cards in Canada for balance transfers (coming soon).

Best credit cards
for balance transfers
WELCOME BONUS
( VALUATION)
Interest
rate
CIBC Select Visa Card
Card:
Bonus: no welcome bonus
Rewards: $0
Card Fee:
0%
for 10 mos
1% transfer fee
Tangerine Money-Back Card
Card:
Bonus: spend $1k in 2 mos.
Rewards: $170
Card Fee: $0
1.95%
for 6 mos
1% transfer fee
ends September 30th
BMO AIR MILES MasterCard
Card:
Bonus: spend $1k in 3 mos.
Rewards: ≈ $110
Card Fee: $0
0.99%
for 9 mos
2% transfer fee
BMO Rewards MasterCard
Card:
Bonus: spend $1k in 3 mos.
Rewards: $74
Card Fee: $0
0.99%
for 9 mos
2% transfer fee
BMO CashBack Mastercard
Card:
Bonus: spend $500 in 3 mos.
Rewards: $25
Card Fee: $0
0.99%
for 9 mos
2% transfer fee
President's Choice Financial Mastercard
Card:
Bonus: make 1 purchase (no min.)
Rewards: $20
Card Fee: $0
0.97%
for 6 mos
0% transfer fee
Scotiabank Value Visa Card
Card:
Bonus: no welcome bonus
Rewards: $0
Card Fee: $29
0.99%
for 6 mos
0% transfer fee
Terms and conditions apply. Flytrippers editorial opinion only. Financial institutions are not responsible for maintaining the content on this site. Please click "See More" to see most up-to-date information.
Best credit cards
for balance transfers
CIBC Select Visa* Card CIBC Select Visa Card
Card:
Bonus: no welcome bonus
WELCOME BONUS
Rewards: $0
Card Fee:
Interest rate: 0% for 10 mos
1% transfer fee
Tangerine Money-Back Card Tangerine Money-Back Card
Card:
Bonus: spend $1k in 2 mos.
WELCOME BONUS
ends September 30th
Rewards: $170
Card Fee: $0
Interest rate: 1.95% for 6 mos
1% transfer fee
BMO AIR MILES®† MasterCard®* BMO AIR MILES MasterCard
Card:
Bonus: spend $1k in 3 mos.
WELCOME BONUS
Rewards: ≈ $110
Card Fee: $0
Interest rate: 0.99% for 9 mos
2% transfer fee
BMO Rewards® MasterCard®* BMO Rewards MasterCard
Card:
Bonus: spend $1k in 3 mos.
WELCOME BONUS
Rewards: $74
Card Fee: $0
Interest rate: 0.99% for 9 mos
2% transfer fee
BMO CashBack® MasterCard®* BMO CashBack Mastercard
Card:
Bonus: spend $500 in 3 mos.
WELCOME BONUS
Rewards: $25
Card Fee: $0
Interest rate: 0.99% for 9 mos
2% transfer fee
President's Choice Financial® Mastercard® President's Choice Financial Mastercard
Card:
Bonus: make 1 purchase (no min.)
WELCOME BONUS
Rewards: $20
Card Fee: $0
Interest rate: 0.97% for 6 mos
0% transfer fee
Scotiabank Value® Visa* Card Scotiabank Value Visa Card
Card:
Bonus: no welcome bonus
WELCOME BONUS
Rewards: $0
Card Fee: $29
Interest rate: 0.99% for 6 mos
0% transfer fee
Terms and conditions apply. Flytrippers editorial opinion only. Financial institutions are not responsible for maintaining the content on this site. Please click "See More" to see most up-to-date information.

Best credit cards in Canada with low minimum spends

Pros know that adding a 2nd card the same day as a card application is a great way to double your welcome bonuses, and that’s easier when the 2nd has a low minimum spend (also for those who spend less, despite our tips to reach minimum spend requirements).

You can read our detailed page about the best credit cards in Canada with low minimum spends (coming soon).

Best credit cards
with low minimum spends
WELCOME BONUS
( VALUATION)
Best
for
RBC Avion Visa Infinite Card
Card:
Bonus: make 1 purchase (no min.)
Rewards: ≈ $525
Card Fee: $120
Non-Amex
with
flexible rewards
ends October 31st
Scotiabank Gold American Express Card
Card:
Bonus: spend $1k in 3 mos.
Rewards: $250
Card Fee: $0 $120
Lower spend
5x on food, no FX
insurance for lower income
ends October 31st
CIBC Aventura Gold Visa Card
Card:
Bonus: make 1 purchase (no min.)
Rewards: ≈ $220
Card Fee:
4 airport lounge
passes
flexible points
CIBC Aventura Visa Infinite Card
Card:
Bonus: make 1 purchase (no min.)
Rewards: ≈ $220
Card Fee:
4 airport lounge
passes
flexible points
HSBC +Rewards Mastercard (non-QC)
Card:
Bonus: spend $2k in 6 mos. (see QC offer)
Rewards: $185
Card Fee: $0 $25
Non-Amex
option
no travel insurance
American Express Green Card
Card:
Bonus: spend $1k in 3 mos.
Rewards: ≈ $165
Card Fee: $0
Valuable
Amex points
for free
HSBC Travel Rewards Mastercard (non-QC)
Card:
Bonus: spend $1k in 6 mos. (see QC offer)
Rewards: $130
Card Fee: $0
Easy & simple
travel credit
for any trip
limited time
HSBC Cash Rewards Mastercard (non-QC)
Card:
Bonus: spend $1k in 6 mos. (see QC offer)
Rewards: $130
Card Fee: $0
Easy & simple
cash rewards
no fee
CIBC Aventura Visa Card
Card:
Bonus: make 1 purchase (no min.)
Rewards: ≈ $127
Card Fee:
Flexible
points
no-fee card
Scotia Passport Visa Infinite Card
Card:
Bonus: spend $1k in 3 mos.
Rewards: $260
Card Fee: $139
6 airport lounge
passes
and no FX fees
BMO AIR MILES MasterCard
Card:
Bonus: spend $1k in 3 mos.
Rewards: ≈ $110
Card Fee: $0
More
AIR MILES
Rewards
Terms and conditions apply. Flytrippers editorial opinion only. Financial institutions are not responsible for maintaining the content on this site. Please click "See More" to see most up-to-date information.
Best credit cards
with low minimum spends
RBC Avion Visa Infinite Card RBC Avion Visa Infinite Card
Card:
Bonus: make 1 purchase (no min.)
WELCOME BONUS
ends October 31st
Rewards: ≈ $525
Card Fee: $120
Best for: Non-Amex with
flexible rewards
Scotiabank Gold American Express® Card Scotiabank Gold American Express Card
Card:
Bonus: spend $1k in 3 mos.
WELCOME BONUS
ends October 31st
Rewards: $250
Card Fee: $0 $120
Best for: Lower spend 5x on food, no FX
insurance for lower income
CIBC Aventura® Gold Visa* Card CIBC Aventura Gold Visa Card
Card:
Bonus: make 1 purchase (no min.)
WELCOME BONUS
Rewards: ≈ $220
Card Fee:
Best for: 4 airport lounge passes
flexible points
CIBC Aventura® Visa Infinite* Card CIBC Aventura Visa Infinite Card
Card:
Bonus: make 1 purchase (no min.)
WELCOME BONUS
Rewards: ≈ $220
Card Fee:
Best for: 4 airport lounge passes
flexible points
HSBC +Rewards Mastercard® HSBC +Rewards Mastercard (non-QC)
Card:
Bonus: spend $2k in 6 mos. (see QC offer)
WELCOME BONUS
Rewards: $185
Card Fee: $0 $25
Best for: Non-Amex option
no travel insurance
American Express® Green Card American Express Green Card
Card:
Bonus: spend $1k in 3 mos.
WELCOME BONUS
Rewards: ≈ $165
Card Fee: $0
Best for: Valuable Amex points
for free
HSBC Travel Rewards Mastercard® (excl. QC) HSBC Travel Rewards Mastercard (non-QC)
Card:
Bonus: spend $1k in 6 mos. (see QC offer)
WELCOME BONUS
limited time
Rewards: $130
Card Fee: $0
Best for: Easy & simple travel credit
for any trip
HSBC Cash Rewards Mastercard® (excl. QC) HSBC Cash Rewards Mastercard (non-QC)
Card:
Bonus: spend $1k in 6 mos. (see QC offer)
WELCOME BONUS
Rewards: $130
Card Fee: $0
Best for: Easy & simple cash rewards
no fee
CIBC Aventura® Visa* Card CIBC Aventura Visa Card
Card:
Bonus: make 1 purchase (no min.)
WELCOME BONUS
Rewards: ≈ $127
Card Fee:
Best for: Flexible points
no-fee card
Scotia Passport Visa Infinite* Card Scotia Passport Visa Infinite Card
Card:
Bonus: spend $1k in 3 mos.
WELCOME BONUS
Rewards: $260
Card Fee: $139
Best for: 6 airport lounge passes
and no FX fees
BMO AIR MILES®† MasterCard®* BMO AIR MILES MasterCard
Card:
Bonus: spend $1k in 3 mos.
WELCOME BONUS
Rewards: ≈ $110
Card Fee: $0
Best for: More AIR MILES
Rewards
Terms and conditions apply. Flytrippers editorial opinion only. Financial institutions are not responsible for maintaining the content on this site. Please click "See More" to see most up-to-date information.

Best credit cards in Canada for businesses

If you have an incorporated business, you have even more options in terms of small business cards, so here are the best ones.

You can read our detailed page about the best credit cards in Canada for businesses (coming soon).

Best business
credit cards
WELCOME BONUS
( VALUATION)
Best
for
Business Platinum Card from American Express
Card: no business required
Bonus: spend $6k in 3 mos.
Rewards: ≈ $1313
Card Fee: $499
Big spenders
& luxury
travelers
American Express Business Gold Rewards Card
Card: no business required
Bonus: spend $5k in 3 mos.
Rewards: ≈ $1125
Card Fee: $199
More valuable
Amex points
for Aeroplan or Avios
limited time
American Express Aeroplan Business Reserve Card
Card: no business required
Bonus: spend $3k in 3 mos.
Rewards: ≈ $506
Card Fee: $599
Frequent Air Canada
travel
& maximizing Aeroplan
American Express Business Edge Card
Card: no business required
Bonus: spend $5k in 3 mos.
Rewards: ≈ $750
Card Fee: $99
More Amex
points
and good earn rate
limited time
Marriott Bonvoy Business American Express Card
Card: no business required
Bonus: spend $3k in 3 mos.
Rewards: ≈ $477
Card Fee: $150
Valuable Marriott
certificate
another must-have
BMO AIR MILES Business Mastercard
Card: business required
Bonus: spend $5k in 3 mos.
Rewards: ≈ $420
Card Fee: $0 $120
AIR MILES
Rewards
collectors
BMO Rewards Business Mastercard
Card: business required
Bonus: spend $5k in 3 mos.
Rewards: $398
Card Fee: $0 $120
Easy-to-use
fixed-value
rewards
BMO CashBack Business Mastercard
Card: business required
Bonus: spend $1.5k in 3 mos.*
Rewards: $150
Card Fee: $0
Simple
cashback
rewards
BMO AIR MILES No-Fee Business Mastercard
Card: business required
Bonus: spend $3k in 3 mos.
Rewards: ≈ $138
Card Fee: $0
AIR MILES
collectors
who spend less
American Express AIR MILES for Business Card
Card: no business required
Bonus: spend $5k in 3 mos.
Rewards: ≈ $280
Card Fee: $180
Another
AIR MILES
bonus
Terms and conditions apply. Flytrippers editorial opinion only. Financial institutions are not responsible for maintaining the content on this site. Please click "See More" to see most up-to-date information.
Best business
credit cards
Business Platinum Card® from American Express Business Platinum Card from American Express
Card: no business required
Bonus: spend $6k in 3 mos.
WELCOME BONUS
Rewards: ≈ $1313
Card Fee: $499
Best for: Big spenders & luxury
travelers
American Express® Business Gold Rewards Card American Express Business Gold Rewards Card
Card: no business required
Bonus: spend $5k in 3 mos.
WELCOME BONUS
limited time
Rewards: ≈ $1125
Card Fee: $199
Best for: More valuable Amex points
for Aeroplan or Avios
American Express® Aeroplan®* Business Reserve Card American Express Aeroplan Business Reserve Card
Card: no business required
Bonus: spend $3k in 3 mos.
WELCOME BONUS
Rewards: ≈ $506
Card Fee: $599
Best for: Frequent Air Canada travel
& maximizing Aeroplan
American Express Business Edge Card American Express Business Edge Card
Card: no business required
Bonus: spend $5k in 3 mos.
WELCOME BONUS
limited time
Rewards: ≈ $750
Card Fee: $99
Best for: More Amex points
and good earn rate
Marriott Bonvoy Business American Express® Card Marriott Bonvoy Business American Express Card
Card: no business required
Bonus: spend $3k in 3 mos.
WELCOME BONUS
Rewards: ≈ $477
Card Fee: $150
Best for: Valuable Marriott certificate
another must-have
BMO AIR MILES®† Business® Mastercard®* BMO AIR MILES Business Mastercard
Card: business required
Bonus: spend $5k in 3 mos.
WELCOME BONUS
Rewards: ≈ $420
Card Fee: $0 $120
Best for: AIR MILES Rewards
collectors
BMO Rewards Business Mastercard®* BMO Rewards Business Mastercard
Card: business required
Bonus: spend $5k in 3 mos.
WELCOME BONUS
Rewards: $398
Card Fee: $0 $120
Best for: Easy-to-use fixed-value
rewards
BMO CashBack® Business Mastercard®* BMO CashBack Business Mastercard
Card: business required
Bonus: spend $1.5k in 3 mos.*
WELCOME BONUS
Rewards: $150
Card Fee: $0
Best for: Simple cashback
rewards
BMO AIR MILES®† No-Fee Business® Mastercard®* BMO AIR MILES No-Fee Business Mastercard
Card: business required
Bonus: spend $3k in 3 mos.
WELCOME BONUS
Rewards: ≈ $138
Card Fee: $0
Best for: AIR MILES collectors
who spend less
American Express® AIR MILES®* for Business Card American Express AIR MILES for Business Card
Card: no business required
Bonus: spend $5k in 3 mos.
WELCOME BONUS
Rewards: ≈ $280
Card Fee: $180
Best for: Another AIR MILES
bonus
Terms and conditions apply. Flytrippers editorial opinion only. Financial institutions are not responsible for maintaining the content on this site. Please click "See More" to see most up-to-date information.

Best prepaid credit cards in Canada

While you won’t get a high amount of travel rewards by getting a prepaid credit card, if you are building your credit and still want some of the benefits of credit cards in a free chequing account, these prepaid cards do not require a credit check (we have & recommend both).

You can read our detailed page about the best prepaid credit cards in Canada (coming soon).

Best prepaid
credit cards
WELCOME BONUS
( VALUATION)
Best
for
KOHO Prepaid Visa
Card:
Bonus: no welcome bonus
Rewards: $0
Card Fee: $0
0.5%
cashback
on everything
STACK Prepaid Mastercard
Card:
Bonus: complete signup (no min.)
Rewards: $5
Card Fee: $0
No ATM
fees
but FX fees apply
Terms and conditions apply. Flytrippers editorial opinion only. Financial institutions are not responsible for maintaining the content on this site. Please click "See More" to see most up-to-date information.
Best prepaid
credit cards
KOHO Prepaid Visa KOHO Prepaid Visa
Card:
Bonus: no welcome bonus
WELCOME BONUS
Rewards: $0
Card Fee: $0
Best for: 0.5% cashback
on everything
STACK Prepaid Mastercard® STACK Prepaid Mastercard
Card:
Bonus: complete signup (no min.)
WELCOME BONUS
Rewards: $5
Card Fee: $0
Best for: No ATM fees
but FX fees apply
Terms and conditions apply. Flytrippers editorial opinion only. Financial institutions are not responsible for maintaining the content on this site. Please click "See More" to see most up-to-date information.

Best free credit score monitoring in Canada

As part of your travel rewards strategy, you should monitor your credit score. Your bank might offer this for free, but if not, you can still get it at no cost. By following the rules, you’ll maintain or improve your credit score in addition to getting great welcome bonuses.

You can read our detailed page about the best free credit score monitoring in Canada (coming soon).

Best free credit score
monitoring service
WELCOME BONUS
( VALUATION)
Best
for
Mogo
Card: not available in Québec
Bonus: no welcome bonus
Rewards: $0
Card Fee: $0
Free credit
score
monitoring
Terms and conditions apply. Flytrippers editorial opinion only. Financial institutions are not responsible for maintaining the content on this site. Please click "See More" to see most up-to-date information.
Best free credit score
monitoring service
Mogo Mogo
Card: not available in Québec
Bonus: no welcome bonus
WELCOME BONUS
Rewards: $0
Card Fee: $0
Best for: Free credit score
monitoring
Terms and conditions apply. Flytrippers editorial opinion only. Financial institutions are not responsible for maintaining the content on this site. Please click "See More" to see most up-to-date information.

Other upcoming credit card categories

Subscribe to our free travel rewards newsletter to get all our content to earn a lot more travel rewards.

  • Best credit cards for Aeroplan points
  • Best credit cards for other airline points
  • Best credit cards for luxury travel benefits
  • Best credit cards for travel insurance
  • Best credit cards for insurance coverage for reward flights
  • Best credit cards for luxury travel benefits
  • Best credit cards for mobile device insurance
  • Best credit cards for low interest rates
  • More to be announced later

Best online shopping portals in Canada

Credit cards are how you’ll earn rewards a lot faster, but it’s also a good practice to double-dip and to always use online shopping portals to get 100% more rewards for everything you buy. You can get valuable variable-value rewards or simpler cashback.

You can read our detailed page about the best online shopping portals for Canadians.

Best online
shopping portals
WELCOME BONUS
( VALUATION)
Best
for
Aeroplan eStore
Card: earn Aeroplan points online
Bonus: no welcome bonus
Rewards: $0
Card Fee: $0
Most valuable
rewards
for purchases
AIR MILES Shops
Card: earn AIR MILES Miles online
Bonus: no welcome bonus
Rewards: $0
Card Fee: $0
Other valuable
rewards
for purchases
Rakuten
Card: earn cashback online
Bonus: spend $25 (anywhere)
Rewards: $5
Card Fee: $0
Easy cashback
rewards
for purchases
ampli
Card: earn cashback online & in-store
Bonus: spend $0 (at sign-up)
Rewards: $5
Card Fee: $0
Other cashback
app
for purchases
Paymi
Card: earn cashback online & in-store
Bonus: no welcome bonus
Rewards: $0
Card Fee: $0
Other cashback
app
for purchases
Terms and conditions apply. Flytrippers editorial opinion only. Financial institutions are not responsible for maintaining the content on this site. Please click "See More" to see most up-to-date information.
Best online
shopping portals
Aeroplan eStore Aeroplan eStore
Card: earn Aeroplan points online
Bonus: no welcome bonus
WELCOME BONUS
Rewards: $0
Card Fee: $0
Best for: Most valuable rewards
for purchases
AIR MILES Shops AIR MILES Shops
Card: earn AIR MILES Miles online
Bonus: no welcome bonus
WELCOME BONUS
Rewards: $0
Card Fee: $0
Best for: Other valuable rewards
for purchases
Rakuten Rakuten
Card: earn cashback online
Bonus: spend $25 (anywhere)
WELCOME BONUS
Rewards: $5
Card Fee: $0
Best for: Easy cashback rewards
for purchases
ampli ampli
Card: earn cashback online & in-store
Bonus: spend $0 (at sign-up)
WELCOME BONUS
Rewards: $5
Card Fee: $0
Best for: Other cashback app
for purchases
Paymi Paymi
Card: earn cashback online & in-store
Bonus: no welcome bonus
WELCOME BONUS
Rewards: $0
Card Fee: $0
Best for: Other cashback app
for purchases
Terms and conditions apply. Flytrippers editorial opinion only. Financial institutions are not responsible for maintaining the content on this site. Please click "See More" to see most up-to-date information.

Best services to earn more rewards in Canada

Bill payment services are another way to earn more rewards. One allows you to at least earn some rewards for some bills that can’t be paid by credit card (for free), while the other allows you to pay virtually any bill by credit card (for a fee).

You can read our detailed page about the best services to earn more rewards in Canada (coming soon).

Best services
to earn more rewards
WELCOME BONUS
( VALUATION)
Best
for
Plastiq
Card: bill-payment website
Bonus: make US$2,500 in payments
Rewards: $13
Card Fee: $0
Pay any bill
with a card
for a fee
PaySimply
Card: bill-payment website
Bonus: no welcome bonus
Rewards: $0
Card Fee: $0
Pay certain bills
with a card
for a fee
Terms and conditions apply. Flytrippers editorial opinion only. Financial institutions are not responsible for maintaining the content on this site. Please click "See More" to see most up-to-date information.
Best services
to earn more rewards
Plastiq Plastiq
Card: bill-payment website
Bonus: make US$2,500 in payments
WELCOME BONUS
Rewards: $13
Card Fee: $0
Best for: Pay any bill with a card
for a fee
PaySimply PaySimply
Card: bill-payment website
Bonus: no welcome bonus
WELCOME BONUS
Rewards: $0
Card Fee: $0
Best for: Pay certain bills with a card
for a fee
Terms and conditions apply. Flytrippers editorial opinion only. Financial institutions are not responsible for maintaining the content on this site. Please click "See More" to see most up-to-date information.

Best travel insurance providers for COVID-19

While getting travel insurance coverage for free is one of the best benefits of credit cards, most of it has been temporarily voided due to COVID-19. It is now necessary to purchase a stand-alone travel insurance plan if you are traveling internationally.

You can read our detailed page about the best travel insurance providers for Canadians (coming soon).

Best travel insurance
providers for COVID-19
WELCOME BONUS
( VALUATION)
Best
for
SafetyWing
Card: made for nomads
Bonus: no welcome bonus
Rewards: $0
Card Fee: $0
Lower-cost
& lower coverage
option
Goose
Card: app-first insurer
Bonus: spend $0 (at sign-up)
Rewards: $0
Card Fee: $0
All-digital
experience
& welcome bonus
Manulife
Card: leading Canadian insurer
Bonus: no welcome bonus
Rewards: $0
Card Fee: $0
Customer
service
& full-service insurer
TuGo
Card: another Canadian option
Bonus: no welcome bonus
Rewards: $0
Card Fee: $0
Comprehensive &
customizable options
simple process
Terms and conditions apply. Flytrippers editorial opinion only. Financial institutions are not responsible for maintaining the content on this site. Please click "See More" to see most up-to-date information.
Best travel insurance
providers for COVID-19
SafetyWing SafetyWing
Card: made for nomads
Bonus: no welcome bonus
WELCOME BONUS
Rewards: $0
Card Fee: $0
Best for: Lower-cost & lower coverage
option
Goose Goose
Card: app-first insurer
Bonus: spend $0 (at sign-up)
WELCOME BONUS
Rewards: $0
Card Fee: $0
Best for: All-digital experience
& welcome bonus
Manulife Manulife
Card: leading Canadian insurer
Bonus: no welcome bonus
WELCOME BONUS
Rewards: $0
Card Fee: $0
Best for: Customer service
& full-service insurer
TuGo TuGo
Card: another Canadian option
Bonus: no welcome bonus
WELCOME BONUS
Rewards: $0
Card Fee: $0
Best for: Comprehensive & customizable options
simple process
Terms and conditions apply. Flytrippers editorial opinion only. Financial institutions are not responsible for maintaining the content on this site. Please click "See More" to see most up-to-date information.

Best cryptocurrency services

Some also invest time into cryptocurrencies in addition to credit cards. Since we are as passionate about innovation as we are are about the financial industry, here are our favorite services for Canadians interested in cryptocurrencies (also called digital currencies).

You can read our detailed page about the best cryptocurrency services in Canada (coming soon).

Best cryptocurrency
apps & platforms
WELCOME BONUS
( VALUATION)
Best
for
Coinbase
Card:
Bonus: take free courses
Rewards: $51
Card Fee: $0
Highest
bonus
for a portfolio
Crypto.com
Card:
Bonus: signup for card
Rewards: $32
Card Fee: $0
Crypto
as rewards
on a credit card
Bitbuy
Card:
Bonus: deposit $250
Rewards: $20
Card Fee: $0
Easy-to-use
Canadian
platform
BlockFi
Card:
Bonus: deposit US$25
Rewards: $19
Card Fee: $0
Earning
interest
on your crypto
CoinField
Card:
Bonus: deposit $100
Rewards: $17
Card Fee: $0
Leading
global
platform
NDAX
Card:
Bonus: spend $0 (at sign-up)
Rewards: $10
Card Fee: $0
Easy-to-use
Canadian
platform
Kraken
Card:
Bonus: no welcome bonus
Rewards: $0
Card Fee: $0
Most secure
crypto
exchange
Coinsmart
Card:
Bonus: no welcome bonus
Rewards: $0
Card Fee: $0
Trade
in CAD
100% Canadian
Coinsquare
Card:
Bonus: no welcome bonus
Rewards: $0
Card Fee: $0
Another
app-first
exchange
Binance
Card:
Bonus: no welcome bonus
Rewards: $0
Card Fee: $0
World's largest
crypto
platform
Terms and conditions apply. Flytrippers editorial opinion only. Financial institutions are not responsible for maintaining the content on this site. Please click "See More" to see most up-to-date information.
Best cryptocurrency
apps & platforms
Coinbase Coinbase
Card:
Bonus: take free courses
WELCOME BONUS
Rewards: $51
Card Fee: $0
Best for: Highest bonus
for a portfolio
Crypto.com Crypto.com
Card:
Bonus: signup for card
WELCOME BONUS
Rewards: $32
Card Fee: $0
Best for: Crypto as rewards
on a credit card
Bitbuy Bitbuy
Card:
Bonus: deposit $250
WELCOME BONUS
Rewards: $20
Card Fee: $0
Best for: Easy-to-use Canadian
platform
BlockFi BlockFi
Card:
Bonus: deposit US$25
WELCOME BONUS
Rewards: $19
Card Fee: $0
Best for: Earning interest
on your crypto
CoinField CoinField
Card:
Bonus: deposit $100
WELCOME BONUS
Rewards: $17
Card Fee: $0
Best for: Leading global
platform
NDAX NDAX
Card:
Bonus: spend $0 (at sign-up)
WELCOME BONUS
Rewards: $10
Card Fee: $0
Best for: Easy-to-use Canadian
platform
Kraken Kraken
Card:
Bonus: no welcome bonus