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Compare Credit Cards in Canada

Compare credit cards in Canada to find the best option based on rewards, interest rates, fees, and perks. Use filters to quickly narrow down cards that match your spending habits and financial goals.

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204 results
Neo Mastercard

Neo Financial

$217 First Year Value
$192 Consecutive Years Value
Annual Fee $0
Additional Card $10
Purchase Interest Rate Between 19.99%-29.99%
Cash Advance Between 22.99%-31.99%
Balance Transfer Between 22.99%-31.99%
Card Categories Cashback
Card User Types Personal
Required Credit Score Good
Rewards Up to 5% cash back at Neo Partners.
1% on groceries and gas.
Legal Note *Conditions apply. Refer to Neo page for up to date offer terms and conditions.
Learn more Apply Now

Start building with Canada’s first credit card designed to grow with you. Receive guaranteed, instant approval, guided credit building tools, and 1% cashback on gas & groceries.

Neo Mastercard – Neo Financial

Estimated rewards for the first year*

Total Reward: $217
Entertainment: $12
Gas: $60
Groceries: $60
Restaurants: $60
Other: $0
Additional Bonus: $25
Annual Fee: $0
Total: $217
* The calculated estimated expenses are based on typical monthly spending, including approximately $100 for entertainment, $500 for gas, $600 for groceries, $550 for other miscellaneous costs, and $500 for restaurants, or on the amounts entered by the user in the expense calculator on this page, if provided.
Neo Mastercard – Neo Financial

Estimated rewards for subsequent years*

Total Reward: $192
Entertainment: $12
Gas: $60
Groceries: $60
Restaurants: $60
Other: $0
Annual Fee: $0
Total: $192
* The calculated estimated expenses are based on typical monthly spending, including approximately $100 for entertainment, $500 for gas, $600 for groceries, $550 for other miscellaneous costs, and $500 for restaurants, or on the amounts entered by the user in the expense calculator on this page, if provided.
Neo Mastercard – Secured

Neo Financial

$217 First Year Value
$96 Consecutive Years Value
Annual Fee Requires the Build membership for $7.99/month
Additional Card $10
Purchase Interest Rate Between 19.99%-29.99%
Cash Advance Between 22.99%-31.99%
Balance Transfer Between 22.99%-31.99%
Card Categories Secured, Cashback
Card User Types Credit builder, Personal
Rewards Up to 5% cash back at Neo Partners.
1% on groceries and gas.
Legal Note *Conditions apply. Refer to Neo page for up to date offer terms and conditions.
Learn more Apply Now

Start building with Canada’s first credit card designed to grow with you. Receive guaranteed, instant approval, guided credit building tools, and 1% cashback on gas & groceries.

Neo Mastercard – Secured – Neo Financial

Estimated rewards for the first year*

Total Reward: $217
Entertainment: $12
Gas: $60
Groceries: $60
Restaurants: $60
Other: $0
Additional Bonus: $25
Annual Fee: $0
Total: $217
* The calculated estimated expenses are based on typical monthly spending, including approximately $100 for entertainment, $500 for gas, $600 for groceries, $550 for other miscellaneous costs, and $500 for restaurants, or on the amounts entered by the user in the expense calculator on this page, if provided.
Neo Mastercard – Secured – Neo Financial

Estimated rewards for subsequent years*

Total Reward: $192
Entertainment: $12
Gas: $60
Groceries: $60
Restaurants: $60
Other: $0
Annual Fee: $95.88
Total: $96.12
* The calculated estimated expenses are based on typical monthly spending, including approximately $100 for entertainment, $500 for gas, $600 for groceries, $550 for other miscellaneous costs, and $500 for restaurants, or on the amounts entered by the user in the expense calculator on this page, if provided.
Triangle Mastercard

Canadian Tire Bank

$207 First Year Value
$207 Consecutive Years Value
Annual Fee Free
Purchase Interest Rate 21.99%
Cash Advance 22.99%
Balance Transfer 22.99%
Card Categories Cashback
Card User Types Personal
Rewards 5 ¢ per litre in CT Money : Gas+ and Husky stations participating;
4% Argent CT : Canadian Tire, Sport Chek, Atmosphere, Sports Rousseau, Hockey Experts, L’Entrepôt du Hockey and participating Mark’s/L’Équipeur and Sports Experts stores;
1.5% CT Money : Grocery on the first $12,000 per year (excluded Costco/Walmart)
Insurances
  • 🛍 Purchase protection
  • 🚗 Auto rental coverage
Learn more Apply Now

Earn 4% back

Triangle Mastercard – Canadian Tire Bank

Estimated rewards for the first year*

Total Reward: $207
Entertainment: $6
Gas: $30
Groceries: $108
Restaurants: $30
Other: $33
Annual Fee: $0
Total: $207
* The calculated estimated expenses are based on typical monthly spending, including approximately $100 for entertainment, $500 for gas, $600 for groceries, $550 for other miscellaneous costs, and $500 for restaurants, or on the amounts entered by the user in the expense calculator on this page, if provided.
Triangle Mastercard – Canadian Tire Bank

Estimated rewards for subsequent years*

Total Reward: $207
Entertainment: $6
Gas: $30
Groceries: $108
Restaurants: $30
Other: $33
Annual Fee: $0
Total: $207
* The calculated estimated expenses are based on typical monthly spending, including approximately $100 for entertainment, $500 for gas, $600 for groceries, $550 for other miscellaneous costs, and $500 for restaurants, or on the amounts entered by the user in the expense calculator on this page, if provided.
Cash Back Mastercard®

Coast Capital Savings Federal Credit Union

$201 First Year Value
$201 Consecutive Years Value
Annual Fee Free
Purchase Interest Rate 20.99%
Cash Advance 22.99%
Balance Transfer 22.99%
Card Categories Cashback
Card User Types Personal
Rewards 1 point for every $1 spent on grocery, gas, sustainable transit, select recurring bills and digital streaming purchases ($5k cap) / 0.5 points for every $1 spent on all other purchases
Insurances
  • 📵 Mobile device insurance
  • 🛍 Purchase protection
  • 📆 Extended warranty
Learn more Apply Now
Cash Back Mastercard® – Coast Capital Savings Federal Credit Union

Estimated rewards for the first year*

Total Reward: $201
Entertainment: $6
Gas: $60
Groceries: $72
Restaurants: $30
Other: $33
Annual Fee: $0
Total: $201
* The calculated estimated expenses are based on typical monthly spending, including approximately $100 for entertainment, $500 for gas, $600 for groceries, $550 for other miscellaneous costs, and $500 for restaurants, or on the amounts entered by the user in the expense calculator on this page, if provided.
Cash Back Mastercard® – Coast Capital Savings Federal Credit Union

Estimated rewards for subsequent years*

Total Reward: $201
Entertainment: $6
Gas: $60
Groceries: $72
Restaurants: $30
Other: $33
Annual Fee: $0
Total: $201
* The calculated estimated expenses are based on typical monthly spending, including approximately $100 for entertainment, $500 for gas, $600 for groceries, $550 for other miscellaneous costs, and $500 for restaurants, or on the amounts entered by the user in the expense calculator on this page, if provided.
Meridian Visa Cash Back Card

Meridian Credit Union

$201 First Year Value
$201 Consecutive Years Value
Annual Fee Free
Additional Card Free
Purchase Interest Rate 19.50 %
Cash Advance 21.99 %
Balance Transfer 21.99 %
Card Categories Cashback, Reward
Card User Types Personal
Required Income None
Rewards 1 % : Gas, Grocery, Pharmacy and Utility bill payments;
0.50 % : Other purchases
Insurances
  • 🦷 Travel accident
  • 📵 Mobile device insurance
  • 🛍 Purchase protection
  • 📆 Extended warranty
Learn more Apply Now
Meridian Visa Cash Back Card – Meridian Credit Union

Estimated rewards for the first year*

Total Reward: $201
Entertainment: $6
Gas: $60
Groceries: $72
Restaurants: $30
Other: $33
Annual Fee: $0
Total: $201
* The calculated estimated expenses are based on typical monthly spending, including approximately $100 for entertainment, $500 for gas, $600 for groceries, $550 for other miscellaneous costs, and $500 for restaurants, or on the amounts entered by the user in the expense calculator on this page, if provided.
Meridian Visa Cash Back Card – Meridian Credit Union

Estimated rewards for subsequent years*

Total Reward: $201
Entertainment: $6
Gas: $60
Groceries: $72
Restaurants: $30
Other: $33
Annual Fee: $0
Total: $201
* The calculated estimated expenses are based on typical monthly spending, including approximately $100 for entertainment, $500 for gas, $600 for groceries, $550 for other miscellaneous costs, and $500 for restaurants, or on the amounts entered by the user in the expense calculator on this page, if provided.
RBC Rewards Visa Preferred

RBC

$198 First Year Value
$198 Consecutive Years Value
Annual Fee $ 110
Additional Card $ 40/year
Purchase Interest Rate 20.99%
Cash Advance 22.99%
Balance Transfer 22.99%
Card Categories Reward
Card User Types Personal
Required Income None
Rewards 1 RBC Rewards point per $ 1 spent;
3 ¢ off per litre on gas at Petro-Canada;
Earn 20% more Petro- Points and RBC Rewards points
Insurances
  • 📆 Extended warranty
Learn more Apply Now
RBC Rewards Visa Preferred – RBC

Estimated rewards for the first year*

Total Reward: $307.8
Entertainment: $13.68
Gas: $68.4
Groceries: $82.08
Restaurants: $68.4
Other: $75.24
Annual Fee: $110
Total: $197.8
* The calculated estimated expenses are based on typical monthly spending, including approximately $100 for entertainment, $500 for gas, $600 for groceries, $550 for other miscellaneous costs, and $500 for restaurants, or on the amounts entered by the user in the expense calculator on this page, if provided.
RBC Rewards Visa Preferred – RBC

Estimated rewards for subsequent years*

Total Reward: $307.8
Entertainment: $13.68
Gas: $68.4
Groceries: $82.08
Restaurants: $68.4
Other: $75.24
Annual Fee: $110
Total: $197.8
* The calculated estimated expenses are based on typical monthly spending, including approximately $100 for entertainment, $500 for gas, $600 for groceries, $550 for other miscellaneous costs, and $500 for restaurants, or on the amounts entered by the user in the expense calculator on this page, if provided.
KOHO Prepaid Mastercard Extra

KOHO Financial

$196 First Year Value
$164 Consecutive Years Value
Annual Fee $144
Purchase Interest Rate N/A
Cash Advance For $2 a month, KOHO Cover gives up to $500 interest-free cash advance.
Balance Transfer N/A
Card Categories Prepaid, Virtual
Card User Types Credit builder, Personal
Required Credit Score No credit check required
Rewards Earn 1.5% instant cash back on groceries, restaurants and transportation. Earn 0.25% cash back on everything else.
Legal Note *Conditions apply
Learn more Apply Now
KOHO Prepaid Mastercard Extra – KOHO Financial

Estimated rewards for the first year*

Total Reward: $327.56
Entertainment: $3
Gas: $90
Groceries: $108
Restaurants: $90
Other: $16.56
Additional Bonus: $20
Annual Fee: $132
Total: $195.56
* The calculated estimated expenses are based on typical monthly spending, including approximately $100 for entertainment, $500 for gas, $600 for groceries, $550 for other miscellaneous costs, and $500 for restaurants, or on the amounts entered by the user in the expense calculator on this page, if provided.
KOHO Prepaid Mastercard Extra – KOHO Financial

Estimated rewards for subsequent years*

Total Reward: $307.56
Entertainment: $3
Gas: $90
Groceries: $108
Restaurants: $90
Other: $16.56
Annual Fee: $144
Total: $163.56
* The calculated estimated expenses are based on typical monthly spending, including approximately $100 for entertainment, $500 for gas, $600 for groceries, $550 for other miscellaneous costs, and $500 for restaurants, or on the amounts entered by the user in the expense calculator on this page, if provided.
TD Rewards Visa* Card

TD

$176 First Year Value
$176 Consecutive Years Value
Annual Fee $0
Additional Card $0
Purchase Interest Rate 19.99%
Cash Advance 22.99 % (20.99% for Quebec Residents)
Balance Transfer 22.99% (20.99% for Quebec Residents)
Card Categories Reward
Card User Types Personal
Required Income None
Rewards 4 TD Rewards points per $1 : Travel on ExpediaForTD.com†;
3 TD Rewards points per $1 : Grocery, Restaurant†;
2 TD Rewards points for recurring bill payments†;
1 TD Rewards point per $1 : Other purchases†.
Legal Note †Terms and conditions apply.
The Toronto-Dominion Bank (TD) is not responsible for the contents of this site including any editorials or reviews that may appear on this site. For complete and current information on any TD product, please click the Apply now button.
Learn more Apply Now
TD Rewards Visa* Card – TD

Estimated rewards for the first year*

Total Reward: $176.22
Entertainment: $3.96
Gas: $19.8
Groceries: $71.28
Restaurants: $59.4
Other: $21.78
Annual Fee: $0
Total: $176.22
* The calculated estimated expenses are based on typical monthly spending, including approximately $100 for entertainment, $500 for gas, $600 for groceries, $550 for other miscellaneous costs, and $500 for restaurants, or on the amounts entered by the user in the expense calculator on this page, if provided.
TD Rewards Visa* Card – TD

Estimated rewards for subsequent years*

Total Reward: $176.22
Entertainment: $3.96
Gas: $19.8
Groceries: $71.28
Restaurants: $59.4
Other: $21.78
Annual Fee: $0
Total: $176.22
* The calculated estimated expenses are based on typical monthly spending, including approximately $100 for entertainment, $500 for gas, $600 for groceries, $550 for other miscellaneous costs, and $500 for restaurants, or on the amounts entered by the user in the expense calculator on this page, if provided.
TD® Aeroplan® Visa* Infinite Privilege* Card

TD

$172 First Year Value
$172 Consecutive Years Value
Annual Fee $599
Additional Card $199/year
Purchase Interest Rate 20.99%
Cash Advance 22.99% (20.99% for Quebec Residents)
Balance Transfer 22.99% (20.99% for Quebec Residents)
Card Categories Reward
Card User Types Personal
Required Income $200,000
Rewards Earn 2 points† for every $1 spent on eligible purchases made direct through Air Canada® purchases (including Air Canada Vacations®).
Earn 1.5 points† for every $1 spent on eligible gas, grocery, travel and dining purchases.
Earn 1.25 points† for every $1 spent on all other purchases made with your Card.
Earn points twice when you pay with your Card and provide your Aeroplan number at over 150 Aeroplan partner brands and at 170+ online retailers via the Aeroplan eStore (www.aeroplan.com/estore).
Insurances
  • 🏥 Medical emergency
  • 📵 Mobile device insurance
  • 🛍 Purchase protection
  • ⏱ Flight delay
  • 🧳 Lost or stolen baggage insurance
  • 💨 Hotel or motel burglary
  • 🦷 Travel accident
Legal Note †Terms and conditions apply;
The Toronto-Dominion Bank (TD) is not responsible for the contents of this site including any editorials or reviews that may appear on this site;
For complete and current information on any TD product, please click the Apply now button.
Learn more Apply Now
TD® Aeroplan® Visa* Infinite Privilege* Card – TD

Estimated rewards for the first year*

Total Reward: $771
Entertainment: $30
Gas: $180
Groceries: $216
Restaurants: $180
Other: $165
Annual Fee: $599
Total: $172
* The calculated estimated expenses are based on typical monthly spending, including approximately $100 for entertainment, $500 for gas, $600 for groceries, $550 for other miscellaneous costs, and $500 for restaurants, or on the amounts entered by the user in the expense calculator on this page, if provided.
TD® Aeroplan® Visa* Infinite Privilege* Card – TD

Estimated rewards for subsequent years*

Total Reward: $771
Entertainment: $30
Gas: $180
Groceries: $216
Restaurants: $180
Other: $165
Annual Fee: $599
Total: $172
* The calculated estimated expenses are based on typical monthly spending, including approximately $100 for entertainment, $500 for gas, $600 for groceries, $550 for other miscellaneous costs, and $500 for restaurants, or on the amounts entered by the user in the expense calculator on this page, if provided.
Meridian Visa Infinite Travel Rewards Card

Meridian Credit Union

$171 First Year Value
$171 Consecutive Years Value
Annual Fee $ 99
Additional Card $ 30
Purchase Interest Rate 19.50 %
Cash Advance 21.99 %
Balance Transfer 21.99 %
Card Categories Reward
Card User Types Personal
Required Income $ 60,000 (individual) OR;
$ 100,000 (household)
Rewards 3 Travel reward points per $ 1 : Purchases in foreign currencies;
1.5 Travel reward points per $ 1 : Other purchases
Insurances
  • 🏥 Medical emergency
  • ❌ Trip cancellation
  • ⚡️ Trip interruption
  • ⏱ Flight delay
  • 🧳 Lost or stolen baggage insurance
  • 🦷 Travel accident
  • 🚗 Auto rental coverage
  • 🛍 Purchase protection
  • 📆 Extended warranty
  • 📵 Mobile device insurance
Learn more Apply Now

First-year annual fee waived

Meridian Visa Infinite Travel Rewards Card – Meridian Credit Union

Estimated rewards for the first year*

Total Reward: $270
Entertainment: $12
Gas: $60
Groceries: $72
Restaurants: $60
Other: $66
Annual Fee: $99
Total: $171
* The calculated estimated expenses are based on typical monthly spending, including approximately $100 for entertainment, $500 for gas, $600 for groceries, $550 for other miscellaneous costs, and $500 for restaurants, or on the amounts entered by the user in the expense calculator on this page, if provided.
Meridian Visa Infinite Travel Rewards Card – Meridian Credit Union

Estimated rewards for subsequent years*

Total Reward: $270
Entertainment: $12
Gas: $60
Groceries: $72
Restaurants: $60
Other: $66
Annual Fee: $99
Total: $171
* The calculated estimated expenses are based on typical monthly spending, including approximately $100 for entertainment, $500 for gas, $600 for groceries, $550 for other miscellaneous costs, and $500 for restaurants, or on the amounts entered by the user in the expense calculator on this page, if provided.

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Credit Card Comparison FAQs

  • How to choose a credit card with Hardbacon’s comparison tool?

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    To choose a credit card with our comparison tool, you need to, first, determine its purpose. If unable to pay in full the card balance each month, click on “Offer Type” on the left sidebar and select “Low Interest Rate”. If you wish to obtain rewards, select “Rewards,” and enter your annual income, in order for us to recommend the best card for you. Do not hesitate to use the other filters, and click on “more details” when you want to know more about a specific card.

  • How does Hardbacon compare credit cards?

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    Hardbacon compares credit cards using a data-driven methodology that evaluates fees, rewards, interest rates, eligibility requirements, and key benefits.
    Cards are ranked based on net value, which considers how a card performs for different spending profiles rather than relying on promotional claims or popularity.

    Our comparisons are designed to help Canadians understand which card actually fits their situation, not just which card looks best on paper.

  • What information should I enter to get accurate results?

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    To get the most accurate comparison, you should estimate your monthly spending by category, such as groceries, gas, dining, and other purchases.
    This allows the calculator to estimate potential rewards and show how different cards perform based on your real habits, not averages.

    You do not need to enter personal identifying information to use the comparison tool.

  • What does “first year value” mean?

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    First year value represents the estimated total benefit during your first year with a card.
    This can include:

    • Welcome bonuses
    • Rewards earned from spending
    • Statement credits or rebates
    • Annual fee waivers, if applicable

    It helps compare cards that may look very different upfront but deliver similar or very different value once everything is considered.

  • What does “consecutive years value” mean?

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    Consecutive years value estimates how much value a card can deliver after the first year, once welcome bonuses are no longer available.

    This is especially useful when comparing:

    • No-fee cards versus premium cards
    • Cards with high earn rates but annual fees
    • Cards meant for long-term use

    Looking beyond the first year helps avoid choosing a card that only looks good temporarily.

  • Can I compare credit cards if I carry a balance?

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    Yes. If you sometimes carry a balance, interest rates become more important than rewards.
    Hardbacon allows you to compare cards based on purchase interest rates, balance transfer offers, and fees, helping you identify lower-cost options.

    In many cases, a low-interest or balance transfer card can save more money than a rewards card.

  • Do I need good credit to use this comparison?

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    No. Hardbacon’s comparison includes cards for a wide range of credit profiles, including:

    • Excellent and good credit
    • Fair or average credit
    • Limited or rebuilding credit

    Filters help narrow results based on approval likelihood and eligibility requirements so you can focus on realistic options.

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