The 20 Best Credit Cards in Quebec

What makes a good credit card? Is it a low-interest rate? A generous rewards program? Or the absence of annual fees? The answer varies from person to person, since everyone’s needs are different.

We’ve compiled cards for every budget and every profile. So whether you’re a frequent traveler or a parent who wants to save money, there’s a credit card for you. Thankfuly, the right one can even help you avoid taking on too much debt

We’ve included a vast selection of cards. In all, they offer cash back, no-currency conversion fees, rewards points, attractive welcome bonuses or comprehensive insurance packages. Soon, you will definitely find what you’re looking for!

Mastercard BMO CashBack – Quebec’s best credit card for cash back

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The BMO CashBack Mastercard credit card is an excellent choice for Quebecers on a tight budget, including students. It earns 3% cash back on groceries while charging no annual fee. That’s not all. You also get 1% cash back on recurring bill payments and 0.5% cash back on all other purchases.

In addition, you can receive a 5% cash back for the first 3 months. That unfolds at an interest rate of 0.99% on balance transfers for the first 9 months. This makes it the ideal card for first-time credit cardholders or those wishing to make a balance transfer.

Eligibility	Description
Credit Score (estimated)	600
Annual Income	None
Other	Be a resident or citizen of Canada and have reached the age of majority in your province/territory of residence.

TD First Class Travel Visa Infinite – Best credit card to make hotel reservations

Do you travel often? If so, the TD First Class Travel Visa Infinite credit card could be your best ally. It earns TD Rewards points, which can then be redeemed to book travel on the Expedia for TD platform. Further, you earn 8 points per dollar spent on the Expedia for TD platform and 6 points on groceries or restaurants. Pick up a further 4 points per dollar on recurring bill payments and 2 points on all other purchases.

The TD First Class Travel card gives you access to Visa Infinite Luxury’s Hotel Collection of more than 900 properties. You could get a room upgrade, VIP guest status or late check-out, among other things. Each year, you get a $100 travel credit on any accommodation of $500 or more made with Expedia for TD.

In addition to booking flights, hotels or vacations, you can use your points to purchase merchandise in the TD Rewards boutique. Alternatively, to pay down your credit card balance. You could also receive an annual anniversary bonus of up to 10,000 points. The card comes with a full range of travel insurance.

Eligibility	Description
Credit Score (estimated)	660
Annual Income	$60,000 personal or $100,000 household
Other	Be a resident or citizen of Canada and have reached the age of majority in your province/territory of residence.

Moi RBC Visa – Best credit card in Quebec for moi points

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Do you shop at Metro grocery stores, Jean Coutu or Premiere Moisson? If so, you should know that the Metro & moi program has become the moi rewards program. With the moi RBC Visa credit card, maximize rewards at Metro, Jean Coutu, Brunet, Premiere Moisson and Super C stores.

With the moi RBC Visa card, earn 2 points on every dollar you spend on groceries, beauty and wellness products. Use it as well as on gasoline and electric vehicle charging. You also earn 2 points at restaurants and 1 moi point on all other purchases.

For renovations and hardware, receive a credit up to 10% on your first $250 of purchases at RONA, Reno-Depot or Lowe’s. After this initial credit, you can get another credit of up to 5% on the next $1,250 in purchases. In total, you can earn a maximum credit of $87.50.

Eligibility	Description
Credit Score (estimated)	660
Annual Income	None
Other	Be a resident or citizen of Canada and have reached the age of majority in your province/territory of residence.

Neo Credit – Best credit card in Canada

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When we determined which was the best credit card in Canada, Neo Credit came out on top. First, it is free and available to people with a fair credit score or higher.

On average, you’ll earn 5% cash back at many partners located nationwide. There are over 10,000 partners, including Netflix, Avis and Clearly. To find them, go to the Neo mobile application.

Neo Credit allows you to opt for a subscription to benefit from additional benefits: travel, food and drinks, health. For example, with the Travel benefit priced at $4.99 per month, you get 2% cash back on all foreign transactions. Moreover, tap into a 1.5x cashback at all partner hotels. You also have access to Priority Pass airport lounges in more than 1,300 locations worldwide.

The benefits are designed to add up easily. You can add several to your Neo Credit card. If your plans change, simply modify your benefit selection accordingly.

Eligibility	Description
Credit Score (estimated)	600
Annual Income	None
Other	Be a resident or citizen of Canada, show photo ID, and have reached the age of majority in your province/territory of residence.

Tangerine World Mastercard – Quebec’s best no-fee credit card

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The famous orange bank offers a very interesting credit card for all Quebecers. Tangerine’s World Mastercard credit card extends 2% cash back on two purchase categories of your choice. Then earn 0.5% cash back on all other purchases. There’s no limit to the amount of cash back you can earn.

The categories are: groceries, entertainment, furniture, restaurants, hotels/motels, gasoline, recurring bills, pharmacy, home improvement, and public transit and parking. You can save according to your shopping habits!

You can also earn 2% on a third category if you deposit your cash back into a Tangerine savings account. When you travel outside Canada, you can unlock cash back offers. Just get a discount applicable directly on your statement with Mastercard Travel Rewards. In addition, the Tangerine World Mastercard credit card offers a DragonPass membership for exclusive airport offers.

Eligibility	Description
Credit Score (estimated)	660
Annual Income	$60,000 personal or $100,000 household or $250,000 in assets under management with Tangerine
Other	Be a resident or citizen of Canada and have reached the age of majority in your province/territory of residence. Clear of bankruptcy for 7 years.

KOHO Mastercard – Best prepaid card to build credit in Quebec

KOHO’s prepaid card is a little different from the other cards on this list, since it’s halfway between a debit and a credit card.

You only have access to the funds in your account, but you earn cash back on your purchases. KOHO offers 3 plans. Depending on your choice, you earn a cash back rate of 1% to 2%, and earn 5% interest on the money in your account regardless of the chosen plan. Currency conversion fees are low or non-existent, and KOHO also offers the services of a financial coach to help you manage your finances with certain plans.

Although the KOHO card has no impact on your credit rating, since it’s not a credit card in the strict sense of the word, you can still build up your credit history with KOHO’s Credit Building feature. For a fee of $5 to $10 a month, KOHO communicates your progress to credit bureaus. The company estimates that it can improve your credit in as little as 6 months.

Eligibility	Description
Credit Score	None
Annual Income	None
Other	Be a resident or citizen of Canada and have reached the age of majority in your province/territory of residence.

BMO CashBack World Elite – Best premium credit card in Quebec for cash back

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If you’re looking for generous cash back, the BMO CashBack World Elite credit card is for you. In fact, it’s the most generous cash back card in the country but it is not easy to get. It offers 5% cash back on groceries, 4% on transportation including carpooling, cabs and public transit, 3% on gasoline and electric vehicle recharging, 2% on recurring payments and 1% cash back on all other purchases.

You’ll also enjoy other benefits, such as roadside assistance, medical expenses insurance when you are abroad and unexpected return to Canada insurance, as well as 25% discount on car rentals at National and Alamo Rent A Car.

Eligibility	Description
Credit Score (estimated)	725
Annual Income	$80,000 personal or $150,000 household
Other	Be a resident or citizen of Canada and have reached the age of majority in your province/territory of residence.

Mastercard BMO AIR MILES World Elite – Best credit card for AIR MILES

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The BMO AIR MILES World Elite Mastercard is undoubtedly the best when it comes to collecting AIR MILES. You earn 3 miles for every $12 at participating retailers, 2 miles for every $12 at eligible grocery stores, and 1 mile for every $12 on all other purchases.

Travelers are particularly spoiled with this credit card, as it offers a 25% discount on all AIR MILES flights once a year, regardless of your destination. It also entitles you to free membership of the Mastercard Travel Pass program provided by DragonPass. This gives you access to exclusive lounges at airports around the world. You’re also entitled to one of the best ranges of travel insurance, including 15-day coverage for out-of-province emergency medical expenses, up to a maximum of $2 million.

Eligibility	Description
Credit Score (estimated)	670
Annual Income	$80,000 personal or $150,000 household
Other	Be a resident or citizen of Canada and have reached the age of majority in your province/territory of residence.

RBC Visa ION+ – Best credit card in Quebec for gas

Do you fill up often? With the RBC Visa ION+ credit card, you can save money on your gas purchases. You earn 3 Avion points per dollar spent on gas, transportation and electric vehicle charging. You also earn 3 points per dollar on groceries, restaurants, meal delivery, streaming, subscriptions and digital games. Then you can redeem your Avion points to pay bills, pay down your credit card balance or even send money to a friend via Interac e-Transfer.

That’s not all! You also get a 3-cent discount per litre of gas when you use your card at any Petro-Canada service station. Plus, you earn 20% more Petro-Points when you use your card! It also comes with a free three-month subscription to DashPass, which lets you enjoy unlimited free deliveries on orders of $15 or more.

Eligibility	Description
Credit Score (estimated)	700
Annual Income	None
Other	Be a resident or citizen of Canada and have reached the age of majority in your province/territory of residence.

PC Financial World Elite Mastercard – Best credit card to earn PC Optimum points

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If you’re used to shopping at Loblaw stores, the PC Finance World Elite Mastercard is for you. It lets you quickly earn PC Optimum points. You earn 45 PC Optimum points per dollar at Shoppers Drug Mart. Tap to get 30 points per dollar at Maxi, Provigo, Wholesale Club, Esso, Exxon Mobil, and with PC Travel Services. For all other purchases, you earn 10 PC Optimum points per dollar.

PC Optimum points can be redeemed for discounts at Loblaw stores. You get a $10 discount for every 10,000 points. With 4,000 points, you can also get a rebate of 10 cents per liter at Esso, up to a maximum of 40 liters. You can also get a free car wash with 10,000 points.

Eligibility	Description
Credit Score (estimated)	700
Annual Income	$80,000 personal or $150,000 household
Other	Be a resident or citizen of Canada and have reached the age of majority in your province/territory of residence.

Visa Infinite Momentum Scotia – Best credit card for everyday purchases

The Scotia Momentum Visa Infinite card has one of the most advantageous cash back programs in Canada. It offers 4% cash back on groceries, as well as on recurring bills and recurring subscriptions like Netflix, up to $25,000 in purchases per year. So it’s a perfect card for families with lots of household expenses. It also offers a 2% cash back on gasoline and public transit, and 1% on all other purchases.

Its annual fee is $120 and you will pay $50 for each additional card, but at Scotia, you can get a waiver of the annual fee by subscribing to the Ultimate package or the Preferred package. The Scotia Momentum Visa Infinite card also comes with a range of protections, including mobile device and travel insurance. You also have access to the exclusive experiences and benefits offered by the Visa Infinite program.

Eligibility	Description
Credit Score (estimated)	700
Annual Income	$60,000 personal or $100,000 household
Other	Be a resident or citizen of Canada and have reached the age of majority in your province/territory of residence. Minimum credit limit of $5,000.

Passport Visa Infinite from Scotiabank – Best credit card for lounge access

The Scotiabank Visa Infinite Passport credit card is perfect for frequent travelers. It’s one of the only cards with no foreign transaction fees, saving you money when traveling outside the country, but also for online purchases in other currencies.

This card earns reward points fast. You earn 3 points per dollar spent at participating Sobeys, Safeway, IGA, Foodland and Co-Op grocery stores, 2 points at other grocery stores and restaurants, at entertainment venues and on public transit. For all other purchases, you receive one Scene+ point per dollar.

The Scotia Visa Infinite Passport also comes with complimentary membership to the Visa Airport Companion program, which offers six free visits to 1,200 airport lounges per year. You’re also entitled to the Visa Infinite Hotel Collection, which offers a complimentary room upgrade, subject to availability, and many other exclusives. The card also comes with several travel insurances.

Eligibility	Description
Credit Score (estimated)	700
Annual Income	$60,000 personal or $100,000 household
Other	Be a resident or citizen of Canada and have reached the age of majority in your province/territory of residence. Minimum credit limit of $5,000.

MBNA True Line Gold Mastercard – Best low rate credit card in Quebec

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The MBNA True Gold Line Mastercard offers a low interest rate of 8.99% on purchases. In exchange for a low annual fee, you significantly reduce the interest you pay.

This card also offers purchase protection covering loss, damage or theft of your items for 90 days after the date of purchase. The manufacturer’s warranty is doubled for a maximum of one year.

Plus, you get at least 10% off at Avis and Budget in Canada and the United States. Internationally, the discount is at least 5% when you rent a car from these agencies. The True Line Gold MBNA card also allows you to have up to 9 additional cards free of charge.

Eligibility	Description
Credit Score (estimated)	680
Annual Income	None
Other	Be a resident or citizen of Canada and have reached the age of majority in your province/territory of residence.

Rogers World Elite Mastercard – Best no-fee travel credit card in Quebec

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The Rogers World Elite Mastercard has a few surprises in store, including no annual fee, a $25 welcome bonus and 3% cashback on eligible purchases in U.S. dollars. To qualify for the welcome bonus, make your first purchase within three months of receiving your card.

By opting for this card, you’ll benefit from a cashback rate of 1.5% on all your purchases, and 3% on purchases in U.S. dollars. You’ll also have access to insurance coverage for your travels, including emergency medical care and trip interruption or cancellation. Finally, the Rogers World Elite Mastercard also offers purchase protection, an extended warranty and collision and damage insurance for car rentals.

Eligibility	Description
Credit Score (estimated)	725
Annual Income	$80,000 personal or $150,000 household
Other	Be a resident or citizen of Canada and have reached the age of majority in your province/territory of residence. To keep the card, spend at least $15,000/year.

Aeroplan Visa Infinite TD – Best airline credit card in Quebec

The TD Aeroplan Visa Infinite credit card offers one of the best welcome bonuses of the year for Quebecers. This card also lets you earn Aeroplan points quickly. You earn 1.5 point for every dollar you spend on groceries, gas and eligible Air Canada purchases. You also earn 1 point per dollar on all your other purchases, and by presenting your card and Aeroplan number together at a partner establishment, you’ll double your points.

You will be entitled to your first checked bag free of charge. You can share this same privilege with 8 traveling companions. If you join NEXUS, you’ll get a discount (up to $100) on the membership fee every 48 months.

In addition, this credit card gives you access to numerous Visa Infinite exclusives, including the Visa Infinite Luxury Hotel Collection, gastronomic experiences and privileged access to events across the country. It also comes with a range of protections so you can travel with peace of mind.

Eligibility	Description
Credit Score (estimated)	660
Annual Income	$60,000 personal or $100,000 household
Other	Be a resident or citizen of Canada and have reached the age of majority in your province/territory of residence.

Scotiabank Gold American Express – Best credit card in Quebec for Groceries

Scotiabank’s American Express Gold credit card is one of the few that doesn’t charge foreign transaction fees, making it perfect for frequent travelers. That’s not the only advantage of this card, as it includes a generous rewards points program.

For every dollar spent in partner grocery stores, you earn 6 Scene+ points. For every dollar spent at other grocery stores, restaurants, liquor stores, meal delivery services and entertainment products, you earn 5 Scene+ points. You get 3 points for every dollar you spend on gas, public transit and certain streaming services. For all other purchases, you earn one point per dollar. These points can be redeemed for credit on your card, travel or a variety of items such as Apple products or gifts.

This credit card also gives you access to many American Express benefits, including exclusive pre-sales (to concerts, plays, etc.) and the Priority Pass program, which gives you access to over 1,200 airport lounges worldwide.

Eligibility	Description
Credit Score (estimated)	700
Annual Income	None
Other	Be a resident or citizen of Canada and have reached the age of majority in your province/territory of residence. Minimum credit limit of $5,000.

Neo Secured Card – Best secured credit card in Quebec

If you come up against closed doors when you apply for credit, the Neo secured credit card is for you. Approval is guaranteed. A secured card frees up credit in exchange for a security deposit (in case you can’t pay off your balance). In the case of the Neo card, this deposit is only $50! Neo Financial now reports secured card transactions to TransUnion, and all previous transaction history has been retroactively captured. There are no other annual fees to pay.

With this card, you also earn cash back at thousands of partners. On average, the cash back rate is 5%. However, it can go up to 15% when you make your first purchase at a participating partner. If your overall cash-back rate falls below 0.5%, Neo will make up the difference to help you reach that percentage!

Eligibility	Description
Credit Score	None
Annual Income	None
Other	Be a resident or citizen of Canada, show photo ID, and have reached the age of majority in your province/territory of residence. Make a security deposit.

Scene+ Visa from Scotiabank – Best credit card in Quebec for young adults

The Scotiabank Scene+ Visa card is the perfect way to introduce young adults to credit. It earns Scene+ points: 2 points for every dollar spent at partner grocery stores like IGA, Rachelle Bery and Marche Tradition; 2 points for every dollar spent at Cineplex theatres. For all other purchases, they earn one Scene+ point per dollar.

The card is also free. It’s the perfect tool for empowering young adults who love movies and are beginning to do their own shopping.

Eligibility	Description
Credit Score (estimated)	600
Annual Income	None
Other	Be a resident or citizen of Canada and have reached the age of majority in your province/territory of residence. Minimum credit limit of $500.

BMO eclipse Visa Infinite Privilege – Best premium credit card

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Those who can afford it will want to get their hands on the BMO eclipse Visa Infinite Privilege card. This card comes with a hefty annual fee, but also with a host of benefits. The first is the BMO rewards points accumulation rate. You earn 5 points per dollar on groceries, restaurant and take-out meals, gas, drugstores and travel. On everything else, you earn one point per dollar spent.

Among other things, you can earn 25% more points when you add an authorized user to your card. You also get an annual lifestyle credit of $200 to spend as you wish. You also enjoy a Visa Airport Companion membership, which gives you six free airport lounge visits per year, and many other Visa Infinite benefits. You’re also entitled to a full range of travel insurance.

Eligibility	Description
Credit Score (estimated)	760
Annual Income	$150,000 personal or $200,000 household
Other	Be a resident or citizen of Canada and have reached the age of majority in your province/territory of residence.

CIBC Visa Dividend for students – Best credit card in Quebec for students

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If you’re a student, you know that every dollar counts. With the CIBC Dividend Visa for Students, you get more for your everyday spending. You receive 2% cash back on groceries, 1% on gas, electric vehicle charging, transportation, dining and recurring payments, and 0.5% on all other purchases.

In addition, you can enroll for free in the SPC+ program, which allows you to save up to 30% on your purchases from over 450 brands. This card is free and requires no minimum income.

Eligibility	Description
Credit Score (estimated)	600
Annual Income	None
Other	Be a resident or citizen of Canada and have reached the age of majority in your province/territory of residence. Be a student.

Cobalt American Express – Best American Express credit card in Quebec

The American Express Cobalt card is consistently rated as one of the best credit cards. It offers an excellent balance of rewards, welcome bonus, insurance and affordability.

You get 5 points for every dollar spent at restaurants, bars and bistros as well as food delivery services, 3 points per dollar spent on an eligible Canadian streaming service (Spotify, Netflix, Apple Music, etc.) and 2 points on travel purchases and transportation. All other purchases earn 1 point per dollar spent. If you make a purchase from Amex’s online travel services (accommodation and car rental reservations), you also earn an extra point.

The American Express Cobalt card requires no minimum income, and additional cards are free of charge. It’s also attractive to travelers, as it comes with a range of insurances that include those for flight delays and lost or stolen baggage. You’re also entitled to exclusive Amex offers and American Express Experiences, which include access to events and bonus rewards. Finally, you can enjoy the benefits of The Hotel Collection program, which brings together hundreds of hotels and resorts in dozens of countries. You’ll be entitled to a credit of up to US$100 on a meal, spa treatments or leisure activities, plus a room upgrade subject to availability.

Eligibility	Description
Credit Score (estimated)	660
Annual Income	None
Other	Be a resident or citizen of Canada and have reached the age of majority in your province/territory of residence.

Select CIBC Visa – Best credit card in Quebec for balance transfers

If you’d like to transfer a balance from one credit card to another to take advantage of a better interest rate, the CIBC Select Visa card is perfect for you. You can take advantage of a promotional 0% interest rate on balance transfers, subject to a 1% transfer fee. On top of this 10-month promotional period, you’ll benefit from an attractive interest rate of 13.99% on purchases.

This card also helps you save up to 10 cents per liter with Journie Rewards when you fill up at participating Pioneer, Fas Gas, Ultramar and Chevron service stations. If you occasionally send money to another country, you can benefit from free CIBC Global Money Transfer (only the exchange rate applies).

Eligibility	Description
Credit Score (estimated)	660
Annual Income	None
Other	Be a resident or citizen of Canada and have reached the age of majority in your province/territory of residence.