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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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Cash Back Visa

Desjardins

$441 First Year Value
$441 Consecutive Years Value
Annual Fee Free
Additional Card Free (maximum 1)
Purchase Interest Rate 19.90%
Cash Advance 19.90%
Balance Transfer 19.90%
Card Categories Cashback
Card User Types Personal
Required Income None
Rewards 2% : Pre-authorized payments, Restaurant, Public transportation and Entertainment;
0.5% : Other purchases
Insurances
  • 📆 Extended warranty
  • 🛍 Purchase protection
  • 📵 Mobile device insurance
  • 🦷 Travel accident
  • 🏥 Medical emergency
  • ❌ Trip cancellation
Learn more Apply Now
Cash Back Visa – Desjardins

Estimated rewards for the first year*

Total Reward: $441
Entertainment: $24
Gas: $120
Groceries: $144
Restaurants: $120
Other: $33
Annual Fee: $0
Total: $441
* 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 Visa – Desjardins

Estimated rewards for subsequent years*

Total Reward: $441
Entertainment: $24
Gas: $120
Groceries: $144
Restaurants: $120
Other: $33
Annual Fee: $0
Total: $441
* 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.
Tangerine Money-Back Credit Card

Tangerine

$433 First Year Value
$333 Consecutive Years Value
Annual Fee Free
Additional Card Free
Purchase Interest Rate 20.95%
Cash Advance 22.95%
Balance Transfer 22.95%
Card Categories Cashback, Balance transfer
Card User Types Personal
Required Income $12,000
Required Credit Score Fair
Rewards 2% (Choose 2 categories among 13);
Unlock a third 2% category by having your Cash Back Reward deposited into a Tangerine Savings Account;
0.5%: Other purchases
Insurances
  • 🛍 Purchase protection
  • 📆 Extended warranty
Legal Note *Conditions apply. Refer to Tangerine page for up to date offer terms and conditions.
Learn more Apply Now

Apply for the Tangerine Money-Back Credit Card and earn 10% cash back, up to $100, on your first two months of purchases. Plus, get a promo rate on balances you transfer for a limited time. This offer ends on September 30, 2026.

Tangerine Money-Back Credit Card – Tangerine

Estimated rewards for the first year*

Total Reward: $433
Entertainment: $6
Gas: $30
Groceries: $244
Restaurants: $120
Other: $33
Annual Fee: $0
Total: $433
* 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.
Tangerine Money-Back Credit Card – Tangerine

Estimated rewards for subsequent years*

Total Reward: $333
Entertainment: $6
Gas: $30
Groceries: $144
Restaurants: $120
Other: $33
Annual Fee: $0
Total: $333
* 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.
Scotia Momentum® for business Visa* Card

Scotiabank

$431 First Year Value
$431 Consecutive Years Value
Annual Fee $79
Additional Card $29
Purchase Interest Rate 20.99%
Cash Advance 22.99%
Balance Transfer 22.99%
Card Categories Cashback
Card User Types Business
Rewards 3%: Gas, Electric vehicle (EV) charging, Restaurants, Office supply stores and Eligible recurring bill payments;
2%: Shipping and Accounting or bookkeeping services;
1%: Other eligible everyday business purchases
Insurances
  • 🚗 Auto rental coverage
  • 🏥 Medical emergency
  • 🛍 Purchase protection
  • 📆 Extended warranty
Learn more Apply Now

Get 5% cash back on up to $6,500 in purchases in the first three months. Plus, 2.99% introductory interest rate on Balance transfers for the first 6 months (22.99% after that; annual fee $79).

Scotia Momentum® for business Visa* Card – Scotiabank

Estimated rewards for the first year*

Total Reward: $510
Entertainment: $12
Gas: $180
Groceries: $72
Restaurants: $180
Other: $66
Annual Fee: $79
Total: $431
* 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.
Scotia Momentum® for business Visa* Card – Scotiabank

Estimated rewards for subsequent years*

Total Reward: $510
Entertainment: $12
Gas: $180
Groceries: $72
Restaurants: $180
Other: $66
Annual Fee: $79
Total: $431
* 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.
enviro™️ Visa Infinite* card

Vancity Credit Union

$428 First Year Value
$308 Consecutive Years Value
Annual Fee $120
Additional Card $0 for the first card, $50 per additional card, up to 4 cards
Purchase Interest Rate 19.5%
Cash Advance 19.5%
Balance Transfer 19.5%
Card Categories Reward
Card User Types Personal
Required Income $60,000 annual personal income,
$100,000 annual household income, or $250,000 or more in investible funds.
Required Credit Score Very Good
Rewards 10 points for every $1 spent at select local businesses.
5 points for every $1 spent on public transit and ferries.
2.5 points for every $1 spent on groceries.
2x the points when booking travel through Vancity Rewards.
1.25 points for every $1 spent on all other purchases. Complimentary Visa Airport Companion membership
Insurances
  • 📆 Extended warranty
  • 🛍 Purchase protection
  • 📵 Mobile device insurance
  • 🚗 Auto rental coverage
  • 🧳 Lost or stolen baggage insurance
  • 🦷 Travel accident
  • ⏱ Flight delay
Legal Note ◊ You will earn more points per $1 on eligible purchases made with an enviro Visa Infinite card. Eligibility is based on the merchant code as classified in the Visa credit card network. For complete and current information on this card please click the Apply now button.
Learn more Apply Now

Get up to $390 in value

enviro™️ Visa Infinite* card – Vancity Credit Union

Estimated rewards for the first year*

Total Reward: $427.5
Entertainment: $15
Gas: $75
Groceries: $180
Restaurants: $75
Other: $82.5
Annual Fee: $0
Total: $427.5
* 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.
enviro™️ Visa Infinite* card – Vancity Credit Union

Estimated rewards for subsequent years*

Total Reward: $427.5
Entertainment: $15
Gas: $75
Groceries: $180
Restaurants: $75
Other: $82.5
Annual Fee: $120
Total: $307.5
* 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 World Elite® Mastercard

Coast Capital Savings Federal Credit Union

$426 First Year Value
$426 Consecutive Years Value
Annual Fee $`120
Purchase Interest Rate 20.99%
Cash Advance 22.99%
Balance Transfer 22.99%
Card Categories Reward, Cashback
Card User Types Personal
Required Income $80,000 individual income or $150,000 household income
Rewards 4 points for every $1 spent on groceries and sustainable transit (up to $20,000 cap)
2 points for every $1 spent on select recurring bills, digital streaming subscriptions, and dining (up to $20,000 cap)
1 point for every $1 spent on all other purchases
Insurances
  • 🚗 Auto rental coverage
  • 🛍 Purchase protection
  • 📆 Extended warranty
  • 📵 Mobile device insurance
  • ⚡️ Trip interruption
  • 🦷 Travel accident
  • 🏥 Medical emergency
  • ⏱ Flight delay
  • 🧳 Lost or stolen baggage insurance
Learn more Apply Now
Cash Back World Elite® Mastercard – Coast Capital Savings Federal Credit Union

Estimated rewards for the first year*

Total Reward: $546
Entertainment: $12
Gas: $60
Groceries: $288
Restaurants: $120
Other: $66
Annual Fee: $120
Total: $426
* 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 World Elite® Mastercard – Coast Capital Savings Federal Credit Union

Estimated rewards for subsequent years*

Total Reward: $546
Entertainment: $12
Gas: $60
Groceries: $288
Restaurants: $120
Other: $66
Annual Fee: $120
Total: $426
* 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.
MBNA Smart Cash Platinum Plus® Mastercard®

MBNA bank

$423 First Year Value
$423 Consecutive Years Value
Annual Fee Free
Additional Card Free
Purchase Interest Rate 19.99%
Cash Advance 24.99%
Balance Transfer 22.99%
Card Categories Cashback
Card User Types Personal
Required Income None
Rewards Get 2% Cash Back‡ on eligible gas and grocery purchases
Get 0.5% Cash Back‡ for all other eligible purchases
Insurances
  • 🛍 Purchase protection
  • 📆 Extended warranty
Legal Note †, ✪, Terms and Conditions apply. This offer is not available for residents of Quebec. For complete information on this MBNA credit card, please click on the “Apply Now” button.
Learn more Apply Now

Up to 5% Cash Back

MBNA Smart Cash Platinum Plus® Mastercard® – MBNA bank

Estimated rewards for the first year*

Total Reward: $423
Entertainment: $6
Gas: $120
Groceries: $144
Restaurants: $120
Other: $33
Annual Fee: $0
Total: $423
* 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.
MBNA Smart Cash Platinum Plus® Mastercard® – MBNA bank

Estimated rewards for subsequent years*

Total Reward: $423
Entertainment: $6
Gas: $120
Groceries: $144
Restaurants: $120
Other: $33
Annual Fee: $0
Total: $423
* 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.
The RBC® Visa Business Platinum Avion®

RBC

$420 First Year Value
$420 Consecutive Years Value
Annual Fee $120
Purchase Interest Rate 19.99%
Cash Advance 22.99%
Balance Transfer 22.99%
Card Categories Reward
Card User Types Business
Rewards 1 Avion point for every $1 spent in net purchases
Insurances
  • 🦷 Travel accident
  • 🚗 Auto rental coverage
  • ❌ Trip cancellation
  • ⚡️ Trip interruption
  • 🧳 Lost or stolen baggage insurance
  • ⏱ Flight delay
  • 🛍 Purchase protection
  • 📆 Extended warranty
  • 💨 Hotel or motel burglary
  • 📆 Extended warranty
Learn more Apply Now

Get 20,000 bonus Avion Points

The RBC® Visa Business Platinum Avion® – RBC

Estimated rewards for the first year*

Total Reward: $540
Entertainment: $24
Gas: $120
Groceries: $144
Restaurants: $120
Other: $132
Annual Fee: $120
Total: $420
* 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.
The RBC® Visa Business Platinum Avion® – RBC

Estimated rewards for subsequent years*

Total Reward: $540
Entertainment: $24
Gas: $120
Groceries: $144
Restaurants: $120
Other: $132
Annual Fee: $120
Total: $420
* 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 Platinum Travel Visa* Card

TD

$420 First Year Value
$420 Consecutive Years Value
Annual Fee $89
Additional Card $35/year (for the first supplementary card)
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 None
Rewards 6 TD Rewards points per $1 : Travel on Expedia® For TD†.
4.5 TD Rewards points per $1 : Grocery and Restaurants†;
3 TD Rewards points for Recurring bill payments†;
1.5 TD Rewards points 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 Platinum Travel Visa* Card – TD

Estimated rewards for the first year*

Total Reward: $508.5
Entertainment: $27
Gas: $135
Groceries: $162
Restaurants: $135
Other: $49.5
Annual Fee: $89
Total: $419.5
* 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 Platinum Travel Visa* Card – TD

Estimated rewards for subsequent years*

Total Reward: $508.5
Entertainment: $27
Gas: $135
Groceries: $162
Restaurants: $135
Other: $49.5
Annual Fee: $89
Total: $419.5
* 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.
BMO CashBack® Mastercard®*

BMO

$415 First Year Value
$315 Consecutive Years Value
Annual Fee Free
Additional Card Free
Purchase Interest Rate 21.99%
Cash Advance 23.99%
Balance Transfer 23.99%
Card Categories Cashback, Balance transfer
Card User Types Personal
Required Credit Score Good
Rewards 3% : Groceries;
1% : Recurring bill payments;
0.5% : Other purchases
Insurances
  • 🛍 Purchase protection
  • 📆 Extended warranty
Legal Note *Terms and conditions apply;
†Based on a comparison of the non-promotional grocery rewards earn rate on cash back credit cards with no annual fee as of January 4, 2023.
Learn more Apply Now

Get a cashback rate of up to 5% on all your purchases for the first three months*. *Conditions apply

BMO CashBack® Mastercard®* – BMO

Estimated rewards for the first year*

Total Reward: $415.01
Entertainment: $10.55
Gas: $52.73
Groceries: $241
Restaurants: $52.73
Other: $58
Annual Fee: $0
Total: $415.01
* 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.
BMO CashBack® Mastercard®* – BMO

Estimated rewards for subsequent years*

Total Reward: $315
Entertainment: $6
Gas: $30
Groceries: $216
Restaurants: $30
Other: $33
Annual Fee: $0
Total: $315
* 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 World Elite Mastercard

Canadian Tire Bank

$414 First Year Value
$414 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
Required Income $ 80,000 (individual) OR;
$ 150,000 (household)
Required Credit Score Excellent
Rewards 5¢ per litre back in Canadian Tire money when you fill up gas at Gas+ and Essence + locations.
3% back in Canadian Tire money at participating grocery stores.
4% back in Canadian Tire money at top partners including Canadian Tire, Sport Chek, Mark’s Work Warehouse, Party City and more.
Earn 1% back in Canadian Tire money on everything else. Personal 24/7 concierge service.
Insurances
  • 🛍 Purchase protection
  • 📆 Extended warranty
  • 🚗 Auto rental coverage
Learn more Apply Now
Triangle World Elite Mastercard – Canadian Tire Bank

Estimated rewards for the first year*

Total Reward: $414
Entertainment: $12
Gas: $60
Groceries: $216
Restaurants: $60
Other: $66
Annual Fee: $0
Total: $414
* 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 World Elite Mastercard – Canadian Tire Bank

Estimated rewards for subsequent years*

Total Reward: $414
Entertainment: $12
Gas: $60
Groceries: $216
Restaurants: $60
Other: $66
Annual Fee: $0
Total: $414
* 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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Financial planning

The 6 Best Tax Return Software in Canada

To file quickly, easily, and without a blinding migraine, choosing the best tax return software in Canada is crucial. Tax season is the most dreaded time of year, with many of us hoping to bypass the annual state of confusion…
Guide to old age security in 2023
Financial planning

The New Guide to Old Age Security

What is Old Age Security? Times are tough, especially when you stop working. Your income goes down while prices go up. Old Age Security (OAS), sometimes called Old Age Pension, is money you might receive from the government when you…
A man and woman standing face to face, displaying depression and anxiety between them
Financial planning

What Is the Cost of a Divorce in Canada?

Going through a divorce can drain you emotionally and financially. By understanding the costs involved, you can decide what to fight for and what to do yourself. In Canada, divorce costs can vary from $1,000 to $25,000 and up, depending…
Ontario staycation tax credit
Financial planning

Ontario Staycation Tax Credit: What You Need To Know in 2022

If you are a resident of Ontario and are planning a short trip anytime soon, you may consider opting for a staycation in the province. At least you get to receive some money back from the Ontario government for enjoying…
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