The Best Credit Cards in Canada

First posted on April 14, 2020
Last Updated on December 27, 2021


Rewards Canada is known for starting the top credit card ranking trend in Canada when we launched our first Top Travel Rewards Credit Card rankings in 2009. Since that time we continued with annual travel card rankings and added in cash back rankings. Now we add in one more ranking - the best cards in Canada for different types of categories. Unlike our other rankings where we list first to fifth place this feature only displays the top card for each type of credit card category. From best overall to best low interest to best hotel card and many others in between, you'll find the best of each here. With nearly 20 years of research, experience in the loyalty and credit card space you can count on Rewards Canada to give you the most un-biased straight forward rankings. Unlike other websites and blogs we don't just cover cards we earn commissions on - we take them all into account as we have done since our inception in 2001. Do some cards earn us a commission? Yes! Do all of them? No. They all get equal consideration.

Note that at time of publishing this we are in the middle of the COVID-19 Pandemic so we list the most relevant categories first. The first four categories of the Best Overall, the Best Low Interest, the Best No FX fee and the Best Quick Access Cash Back cards are really the ones to look at if you want to help out your cash flow and finances through these difficult times.

Quick jump to each of the categories on this page:


Canadian Loyalty Programs

The card to get right now


The card to get right now is the TD Aeroplan Visa Infinite Card. Why get this card now? Well if you want some big savings on travel in 2021 or 2022 then applying for this card by March 6, 2022 is something you'll want to do. The reason why is the card provides a Buddy Pass - that pass allows you to buy one ticket at the prevailing price (will depend on the route, fare class) in Economy Class all the way up to Latitude fare class and have someone travel with you at no cost other than the taxes and fees. That's right the Buddy Pass covers the entire base fare for your travelling companion. This can save you anywhere from $100 to $2000 or more depening on which route you choose and what fare class you buy.! The Buddy Pass is good for travel to anywhere in North America including Hawaii and Mexico. Read more about Buddy pass here: The Air Canada Buddy Pass explained and evaluated and learn more about the New Aeroplan program here.


TD® Aeroplan® Visa Infinite* Card

Apply Now


Why this is the card to get right now

The welcome bonus of 25,000 Aeroplan Points and a Buddy Pass coupled with no annual fee in the first year provides huge value - Learn more about the Buddy Pass here.

Aeroplan Miles are very valuable when redeeming for business class and first class flights

A strong earn rate is offered on this card of 1 to 1.5 Aeroplan Miles per dollar spent

Extra benefits like preferred pricing on Aeroplan award flights, first checked bag free on Air Canada flights & more!

 



TD® Aeroplan® Visa Infinite* Card

Annual Fee $139
Additional Cards: $75 †
Annual interest rate 19.99% on purchases and 22.99% on funds advances
$60,000 personal or $100,000 household annual income

Limited Time Offer
Earn up to $1,250 in value† including up to 25,000 Aeroplan points, no annual fee for the first year and additional travel benefits. Must apply by March 6, 2022.

  • Earn a welcome bonus of 10,000 Aeroplan points when you make your first purchase with your new card†
  • Earn an additional 15,000 Aeroplan points when you spend $1,000 within 90 days of Account opening†
  • Earn a Bonus Buddy Pass† that can score you a second ticket when you book an economy ticket. On the second ticket, you only pay the taxes and third-party charges. You’ll receive the one-time use pass when you spend $1,000 within 90 days of Account opening†, and you have a whole year to use it†
  • Enroll for NEXUS and once every 48 months get an application fee rebate†, and share free first checked bags†
  • Plus, get an annual fee rebate for the first year†.
  • To receive the first-year annual fee rebate, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening and you must add your Additional Cardholders by March 7, 2022.
Earning Aeroplan Points
  • Earn 1.5 points† for every $1 spent on eligible gas, grocery and direct through Air Canada® purchases (including Air Canada Vacations®) made with your card
  • Earn 1 point† 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).
  • Your Aeroplan Points do not expire as long as you are a TD® Aeroplan® Visa Infinite* Cardholder in good standing
Card Benefits
  • Travel lightly through the airport and save on baggage fees† : Primary Cardholders, Additional Cardholders, and travel companions (up to eight) travelling on the same reservation will all enjoy their first checked bag free (up to 23kg/50lbs) when your travel originates on an Air Canada flight.
  • Complimentary Visa Infinite Concierge† : On-call 24 hours a day, seven days a week, the Visa Infinite Concierge can help with any Cardholder request — big or small, to help you get the most out of life whenever you travel, shop and use your Card.
  • Visa Infinite Luxury Hotel Collection†: Receive seven exclusive benefits when you book your stay through the Visa Infinite Luxury Hotel Collection featuring over 900 of the world’s most intriguing properties.

Apply Now

This offer is not available for residents of Quebec. For Quebec residents, please click here.

† Terms and Conditions apply.

Sponsored advertising. 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.


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International Loyalty Programs

The Best Overall Credit Card in Canada


The best overall card in Canada is the American Express Cobalt Card and it has been since it was launched late in 2017. Since that time it has been ranked as our number one overall travel rewards card but it is even a great cash back card. That's why we rank it the best overall card in Canada. It broke records when it was launched in 2017 by offering 5x points on eats and drinks - no other card had done that before. And by eats and drinks it means restaurants, fast food, grocery stores, convenience stores, bars and yes food and grocery delivery services. With all this not only is this card the best overall card in Canada but it is the best card to have in our current world with the Covid-19 Pandemic! The reason why is that you earn lots of points on eats and drinks - that is most of what Canadians are only spending money on right now and it gives you easy access to redeem those points. For example, say you apply for the card and receive it on a Monday and activate it. Then on Tuesday you order $50 worth of food via Skip the Dishes and on Wednesday you get $150 of groceries delivered from Loblaws (via Instacart since they take Amex even though Loblaws doesn't) for $200 in spending at 5x points. By the next Monday you'll have had 1,000 points post to your account and you can redeem them right away for $10 off any one of those purchases you had already made. a 5% cash back return that you don't have to wait to redeem for at the end of the month or the end of the year. It is the ultimate credit card to help preserve your cash flow by allowing to redeem at that cash back rate when you want or need to.

Also check out our new Rewards Canada Clash - Clash of the Reward Charts! American Express vs. RBC and see how the Cobalt Card destroys the RBC Avion card.


American Express Cobalt™ Card


Apply Now


Why is this card the best?

Provides the utmost in rewards flexibility with a trio of travel redemption options and redeem for any purchase made on the card (ie cash back)

Earns 5x Points per dollar on Eats & Drinks - including food delivery services like Skip the Dishes and Instacart
Hint: Use Instacart to bypass Costco, Loblaws, Real Canadian Superstore, and other Loblaw family of stores non-acceptance of American Express

Provides a 1% to 10% or higher rate of return when redeeming for travel

Provides a 1% to 5% rate of return when redeeming for any purchase on the card outside of travel (your cash back option)

Redeem your points at anytime for virtually any purchase starting at only 1,000 points (or as little as $200 in spending)

Convert points to Air Canada Aeroplan, British Airways Executive Club, Marriott Bonvoy and others

 



American Express Cobalt® Card
2022 Overall Top Travel Rewards Card
2022 Top Hybrid Travel Rewards Card
2022 Top Cash Back Card

This is the best overall credit card in Canada!

Monthly Fee $12.99/month of Cardmembership ($155.88 annually) Additional Cards: $0
Annual interest rate 20.99% on purchases and 21.99% on funds advances

• In your first year as a new Cobalt Cardmember, you can earn 2,500 Membership Rewards® points for each monthly billing period in which you spend $500 in net purchases on your Card. This could add up to 30,000 points in a year
      • 30,000 points is enough for: 
            • $300 in statement credits redeemed towards purchases charged to your Card or
            • $225 in American Express® Prepaid Cards
• Plus, you can earn a Welcome Bonus of 20,000 Membership Rewards points when you spend a total of $3,000 in purchases on your Card in your first 3 months of Cardmembership

• Earn 5x the points on eligible eats and drinks in Canada, including groceries and food delivery
• Earn 3x the points on eligible streaming subscriptions in Canada
• Earn 2 points for every $1 spent on eligible transit & gas purchases in Canada and eligible travel purchases. That's 2X the points on purchases that get you from point A to B 
• Earn 1 point for every $1 in Card purchases everywhere else. We won't tell you where to spend, we'll just reward you on your Card purchases

• Transfer points 1:1 to several frequent flyer and other loyalty programs
• Cobalt Cardmembers receive regular Perks such as bonus reward offers and access to great events
• Access Front Of The Line® Presale & Reserved Tickets to some of your favourite concerts and theatre performances and special offers and events curated for Cardmembers with American Express® Experiences
• American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details, current product information and Terms and Conditions, click the Apply now link. Conditions Apply

Apply Now


International Loyalty Programs

The Best Low Interest Credit Card in Canada


Another major category to pay attention to in our current market situation is if you are needing to run a balance on your credit card(s). If you are and that card is a reward card with high interest rates you may need to look at a lower interest card. This is especially the case if you feel like it will take you more than two or three months to pay off that balance. In these cases the best low interest card in our market is the MBNA True Line Mastercard. It has a great standard low interest rate of 12.99%, which is 6 to 9% lower than most cards.


MBNA True Line® Mastercard® credit card

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Why is this card the best?

Standard annual interest rate of 12.99% on purchases and balance transfers

No annual fee

 



MBNA True Line® Mastercard® credit card


You could get a 0% promotional annual interest rate (“AIR”)† for 12 months on balance transfers✪ completed within 90 days of account opening

• No annual fee
• Standard Annual Interest Rates of 12.99% on eligible purchases, 12.99% on balance transfers✪, and 24.99% on cash advances
• You could get a 0% promotional annual interest rate (“AIR”)† for 12 months on balance transfers✪ completed within 90 days of account opening
• Around-the-clock fraud protection
• Use available credit on your credit card to transfer funds right to your chequing account.
Apply for the MBNA True Line® Mastercard® credit card today
• This offer is not available for residents of Quebec.


Apply Now

Sponsored advertising. MBNA is a division of The Toronto-Dominion Bank (TD) and TD is not responsible for the contents of this site including any editorials or reviews that may appear on this site. For complete information on this MBNA credit card, please click on the Apply Now button.


✪ Balance transfers will be fulfilled in the order listed and are treated as balance transfers in accordance with your Account Agreement. The total value of balance transfers cannot exceed your authorized credit limit. If the value is greater, MBNA may send a partial payment to the named creditor/designated account. THERE WILL BE A TRANSACTION FEE EQUAL TO 3.00% OF THE DOLLAR AMOUNT OF EACH BALANCE TRANSFER INITIATED WITH THIS APPLICATION. A MINIMUM FEE OF $7.50 WILL APPLY TO EACH BALANCE TRANSFER TRANSACTION. A balance transfer may not be used to pay off or down your account balance or any other balances with us (including our affiliates, which would include any member of the TD Bank Group).

† Promotional Rates: Balance Transfers: 0.00% This Promotional Rate applies to any balance transfers made within 90 day(s) of your account opening (each, an "eligible transaction") and will remain in effect for 12 Statement Periods from the transaction date of each eligible transaction. The Promotional Rate will increase and the remaining balance of the eligible transaction will become subject to the Standard Rate for balance transfers either: (1) on the first day of the first Statement Period that occurs after the expiry of the Promotional Rate; or (2) on the first day of the second Statement Period following any late Minimum Payment. Other conditions apply. Offer may be changed, extended or withdrawn at any time, without notice. Standard Rates: Purchases: 12.99% Balance transfers and access cheques: 12.99% Cash advances: 24.99%

Default Rates: If your Minimum Payment is late twice within any [12] consecutive Statement Periods (the "change event"), the Standard Rate(s) that apply to your account at that time will increase to the following new Standard Rate(s): Purchases: 19.99% Balance transfers and access cheques: 21.99% Cash advances: 24.99%

The new Standard Rate(s) will apply on the first day of the second Statement Period following the change event. If you then pay each Minimum Payment on time for [12] consecutive Statement Periods ("cure period"), the new Standard Rate(s) will decrease to the Standard Rate(s) that applied on your account at the time of the change event. Such rates will apply on the first day of the first Statement Period that occurs after the cure period.

The Toronto-Dominion Bank is the issuer of this credit card. MBNA is a division of The Toronto-Dominion Bank.





International Loyalty Programs

The Best Cash Back Credit Card in Canada


Canada's Top Travel Rewards Credit Card for four years running is now the number one cash back card in Canada! Thanks to American Express changing the Use Points for Purchases rate from 1,000 points for $7 to 1,000 points for $10 in 2021. This means the card earns a healthy 1%, 2%, 3% and 5% on spending. Even with paying the monthly fee on this card its cash back earning beats other true cash back cards in the Canada! And it's a quick access cash back card. As soon as you have 1,000 points (as little as $200 in spending) you can redeem for $10 towards any purchase you made on the card. Not to mention in the first year it's welcome bonus of 50,000 points is worth $500 in cash back alone. There is a reason why we call this card 'The Destroyer'

Recommended reading: The best credit card in Canada doesn't just beat the competition - it destroys them now


American Express Cobalt™ Card


Apply Now


Why is this card the best?

Provides the utmost in rewards flexibility with a trio of travel redemption options and redeem for any purchase made on the card (ie cash back)

Earns 5x Points per dollar on Eats & Drinks - including food delivery services like Skip the Dishes and Instacart
Hint: Use Instacart to bypass Costco, Loblaws, Real Canadian Superstore, and other Loblaw family of stores non-acceptance of American Express

Provides a 1% to 5% rate of return when redeeming for any purchase on the card outside of travel (your cash back option)

Redeem your points at anytime for virtually any purchase starting at only 1,000 points (or as little as $200 in spending)

 

 



American Express Cobalt® Card
2022 Overall Top Travel Rewards Card
2022 Top Hybrid Travel Rewards Card
2022 Top Cash Back Card

This is the best overall credit card in Canada!

Monthly Fee $12.99/month of Cardmembership ($155.88 annually) Additional Cards: $0
Annual interest rate 20.99% on purchases and 21.99% on funds advances

• In your first year as a new Cobalt Cardmember, you can earn 2,500 Membership Rewards® points for each monthly billing period in which you spend $500 in net purchases on your Card. This could add up to 30,000 points in a year
      • 30,000 points is enough for: 
            • $300 in statement credits redeemed towards purchases charged to your Card or
            • $225 in American Express® Prepaid Cards
• Plus, you can earn a Welcome Bonus of 20,000 Membership Rewards points when you spend a total of $3,000 in purchases on your Card in your first 3 months of Cardmembership

• Earn 5x the points on eligible eats and drinks in Canada, including groceries and food delivery
• Earn 3x the points on eligible streaming subscriptions in Canada
• Earn 2 points for every $1 spent on eligible transit & gas purchases in Canada and eligible travel purchases. That's 2X the points on purchases that get you from point A to B 
• Earn 1 point for every $1 in Card purchases everywhere else. We won't tell you where to spend, we'll just reward you on your Card purchases

• Transfer points 1:1 to several frequent flyer and other loyalty programs
• Cobalt Cardmembers receive regular Perks such as bonus reward offers and access to great events
• Access Front Of The Line® Presale & Reserved Tickets to some of your favourite concerts and theatre performances and special offers and events curated for Cardmembers with American Express® Experiences
• American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details, current product information and Terms and Conditions, click the Apply now link. Conditions Apply

Apply Now


International Loyalty Programs

The Best No Annual Fee Credit Card in Canada


The Canadian credit card market has no shortage of no annual fee cards and most provide a very similar level of rewards and benefits. The best of them in our mind has changed in 2021 - we think the best card is now the American Express Green Card. It provides the same type of flexibliity as its older sibling, the American Express Cobalt Card in that you can redeem for any travel, redeem for cash back and even convert the points to Aeroplan, British Airways, Marriott Bonvoy and other programs. In fact it is the best no annual fee card for earning Aeroplan points!

Recommended reading: Clash of the Credit Cards! American Express® Green Card vs. CIBC Aeroplan® Visa* Card


American Express Green Card


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Why is this card the best?

Provides the utmost in rewards flexibility with a trio of travel redemption options and redeem for any purchase made on the card (ie cash back)

Earns 1 point per dollar on all spending. That's no less than a 1% return and goes higher depending on how you redeem the points

The welcome bonus of 10,000 points is worth no less than $100

Convert points to Air Canada Aeroplan, British Airways Executive Club, Marriott Bonvoy and others

 



American Express® Green Card

Card Type: Credit Card   
Annual Fee: $0
Additional Card Fee: $0
Annual interest rate 20.99% on purchases and 21.99% on funds advances; Missed payment applicable rates, 23.99% and/or 26.99%

• Get the Card that lets you live in the moment while getting ready for the future. The American Express® Green Card lets you go for it with every swipe or tap of your Card
•As a new American Express® Green Cardmember, you can earn a Welcome Bonus of 10,000 Membership Rewards® points when you charge $1,000 in purchases to your Card in the first 3 months of Cardmembership
• Earn 1x the points on Card purchases
• Charge an eligible purchase to your Card and redeem your Membership Rewards points for a statement credit (All eligible purchases: 1,000 points = $10 statement credit)
• With American Express Experiences and Front Of The Line®, American Express Cardmembers get access to amazing events in Canada
• Transfer points 1:1 to several frequent flyer and other loyalty programs
• American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information click the Apply now link. Conditions apply

Apply Now


International Loyalty Programs

The Best Aeroplan Card in Canada


One of Canada's oldest, largest and best known loyalty programs has a lot of credit cards partnered with it. The question is which one is the best Air Canada Aeroplan card at this point in time. Right now that's the TD Aeroplan Visa Infinite Card thanks to its sign up bonus and first year annual fee rebates. Add in the benefits for flying with Air Canada and the Preferred Pricing for Aeroplan flight redemptions and this is why this card is the mainstay Aeroplan card in Canada


TD® Aeroplan® Visa Infinite* Card

Apply Now


Why is this card the best?

The welcome bonus of 25,000 Aeroplan Points and a Buddy Pass coupled with no annual fee in the first year provides huge value of at least $675! - Learn more about the Buddy Pass here.

Aeroplan Miles are very valuable when redeeming for business class and first class flights

A strong earn rate is offered on this card of 1 to 1.5 Aeroplan Miles per dollar spent

Extra benefits like preferred pricing on Aeroplan award flights, first checked bag free on Air Canada flights & more!

 



TD® Aeroplan® Visa Infinite* Card

Annual Fee $139
Additional Cards: $75 †
Annual interest rate 19.99% on purchases and 22.99% on funds advances
$60,000 personal or $100,000 household annual income

Limited Time Offer
Earn up to $1,250 in value† including up to 25,000 Aeroplan points, no annual fee for the first year and additional travel benefits. Must apply by March 6, 2022.

  • Earn a welcome bonus of 10,000 Aeroplan points when you make your first purchase with your new card†
  • Earn an additional 15,000 Aeroplan points when you spend $1,000 within 90 days of Account opening†
  • Earn a Bonus Buddy Pass† that can score you a second ticket when you book an economy ticket. On the second ticket, you only pay the taxes and third-party charges. You’ll receive the one-time use pass when you spend $1,000 within 90 days of Account opening†, and you have a whole year to use it†
  • Enroll for NEXUS and once every 48 months get an application fee rebate†, and share free first checked bags†
  • Plus, get an annual fee rebate for the first year†.
  • To receive the first-year annual fee rebate, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening and you must add your Additional Cardholders by March 7, 2022.
Earning Aeroplan Points
  • Earn 1.5 points† for every $1 spent on eligible gas, grocery and direct through Air Canada® purchases (including Air Canada Vacations®) made with your card
  • Earn 1 point† 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).
  • Your Aeroplan Points do not expire as long as you are a TD® Aeroplan® Visa Infinite* Cardholder in good standing
Card Benefits
  • Travel lightly through the airport and save on baggage fees† : Primary Cardholders, Additional Cardholders, and travel companions (up to eight) travelling on the same reservation will all enjoy their first checked bag free (up to 23kg/50lbs) when your travel originates on an Air Canada flight.
  • Complimentary Visa Infinite Concierge† : On-call 24 hours a day, seven days a week, the Visa Infinite Concierge can help with any Cardholder request — big or small, to help you get the most out of life whenever you travel, shop and use your Card.
  • Visa Infinite Luxury Hotel Collection†: Receive seven exclusive benefits when you book your stay through the Visa Infinite Luxury Hotel Collection featuring over 900 of the world’s most intriguing properties.

Apply Now

This offer is not available for residents of Quebec. For Quebec residents, please click here.

† Terms and Conditions apply.

Sponsored advertising. 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.


International Loyalty Programs

The Best AIR MILES Card in Canada


One of Canada's largest and most popular loyalty programs AIR MILES has quite a few credit cards to choose from. The best one of the bunch is the American Express® AIR MILES* Platinum Credit Card as it has amazing earning potential. It is the only card in the market that earns 1 AIR MILES Reward Mile for every $5 spend in the select categories of food and drinks as well as gas and transit. All other spending earns 1 AIR MILES Reward Miles for every $10 spent - that's the rate earned on the next best AIR MILES card the BMO AIR MILES World Elite Mastercard. Add in a welcome bonus of 2,000 miles, an annual travel redemption benefit that saves you 25% on an AIR MILES award flight (up to 750 miles in total discount) and you see why this card is the best AIR MILES credit card in Canada


American Express® AIR MILES* Platinum Credit Card

Apply Now


Why is this card the best?

A strong welcome bonus of 2,000 AIR MILES which is worth just over $200

The best earn rate of any AIR MILES credit card with 1 mile earned for every $5 on eligible food & drinks and gas & transit

Annual travel redemption benefit that gives you back 25% of the miles used for a flight as a bonus - up to a max of 750 bonus miles

 



American Express®  AIR MILES* Platinum Credit Card

Card Type: Credit   
Annual Fee: $120 Additional Card Fee: $50
Annual interest rate 20.99% on purchases and 21.99% on funds advances; Missed payment applicable rates, 23.99% and/or 26.99%

• New American Express® AIR MILES®* Platinum Credit Card Cardmembers, earn a Welcome Bonus of 2,000 AIR MILES®* Bonus Miles when you charge a total of $1,500 in purchases to your Card within your first three months of Cardmembership. That’s enough to redeem for $200 towards your purchases with AIR MILES®* Cash 
• Earn 1 Mile for every $5 in Card purchases, up to $30,000 annually, on eligible food & drinks, (such as eligible restaurants, coffee shops and stand-alone grocery stores), and eligible gas & transit (such as local commuter transportation including ridesharing services and taxi) in Canada.
• Earn 1 Mile for every $10 in Card purchases everywhere else.
• American Express® AIR MILES®* Platinum Credit Card Cardmembers can take advantage of the Annual Travel Redemption Benefit. Once per calendar year, when an eligible Cardmember uses Dream Miles with the AIR MILES Reward Program to book their first single flight or package vacation through airmiles.ca or vacations.airmiles.ca, they can get Bonus Miles equivalent to 25% of the net number of Miles used (up to a maximum of 750 Bonus Miles).
• Shop at participating AIR MILES®* Partners®* across Canada with your Card and show your AIR MILES®* Card, and you can earn Miles twice
• American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information click the Apply now link. Conditions apply

Apply Now


International Loyalty Programs

The Best Hotel Card in Canada


Several years ago we had upwards of six credit card choices for hotel loyalty programs but that has now dwindled down to two. Unfortunately many Canadians haven't caught on to hotel programs and the value they can provide. The best hotel credit card in Canada is the Marriott Bonvoy American Express card and it can provide huge value. Marriott Bonvoy points have a minimum redemption value of about a penny each and with this card earning no less than 2 points per dollar that translates to a 2% return - at a minimum. There are many cases where the value is much higher depending on which hotel you redeem for. Another good thing about a hotel credit card is that if there 2 or 3 or 4 of travelling you only need to earn enough points for one redemption - ie one hotel room - compare this to trying to earn enough points to redeem for 2 to 4 flights. Hotel programs, especially Marriott Bonvoy are a hidden gem in the travel world.


Marriott Bonvoy™ American Express® Card


Apply Now


Why is this card the best?

The welcome bonus of up to 85,000 Marriott Bonvoy points

You earn a free night award each year on your card's anniversary date

Automatic Marriott Bonvoy Silver Elite status and 15 night credit towards status

You can convert Marriott Bonvoy points to over 40 airline programs including Air Canada Aeroplan

The card has one of the best everday best earn rates of 2 points per dollar which we value as a 2% return at a minimum

 



Marriott Bonvoy™ American Express® Card

Card Type: Credit   
Annual Fee: $120 Additional Card Fee: $0
Annual interest rate 19.99% on purchases and 21.99% on funds advances; Missed payment applicable rates, 23.99% and/or 26.99%

• New Marriott Bonvoy® American Express®* Cardmembers earn 50,000 Marriott Bonvoy® points after you charge $1,500 in purchases to your Card in your first three months of Cardmembership. Subject to change at any time

  • Earn 5 points for every dollar in eligible Card purchases at participating Marriott Bonvoy®* properties
  • Earn 2 points for every $1 in all other Card purchases
  • Receive an Annual Free Night Award for up to 35,000 points at eligible hotels and resorts worldwide every year after your first anniversary
  • No annual fee on Additional Cards
  • Redeem points for free nights with no blackout dates at over 7,000 of the world’s most desired hotels
  • Automatic Marriott Bonvoy Silver Elite status membership 
  • Receive 15 Elite Night Credits each calendar year with your Marriott Bonvoy® American Express®* Card. These can be used towards attaining the next level of Elite status in the Marriott Bonvoy program
  • Enjoy an automatic upgrade to Marriott Bonvoy Gold Elite status when you reach $30,000 in purchases on the Card each year
  • American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information click the Apply now link. Conditions apply

Apply Now


International Loyalty Programs

The Best Mastercard to use at Costco


You would think Capital One's Mastercard that is exclusively for Costco members or its replacement the upcoming CIBC Costco Mastercard would be the best Mastercard for Costco purchases but that's not the case! That card only earns 1% cash back at Costco where other cards can earn more. Your best bet is the Brim World Elite Mastercard as it provides a 2% return (on $25,000 in total annual spend), great benefits, No Foreign Transaction Fees and has no annual fee in the first year.

Recommended reading: Top 5 Mastercard Cards to use at Costco


Brim World Elite MasterCard


Apply Now

Why is this card the best?

You'll earn 2% cash back on all your Costco purchases until you reach the annual $25,000 cap on 2% cash back

The card offers No Foreign Transaction Fees so you'll save 2.5% on average on purchases made outside of Canada

It has a really strong insurance benefits package

 



Brim World Elite MasterCard


Annual Fee: $199 Primary Card (Waived in first year) $50 Secondary Card

• Up to $500 in first time bonuses from Brim merchant partners
• 2 points for every $1 spent up to $25,000 annually
• 1 point for every $1 spent after that
• No Foreign Transaction fees
• Complimentary membership in Mastercard Airport Experiences provided by LoungeKey
• Free Global Wi-Fi
• Comprehensive package of insurance benefits

Apply Now

International Loyalty Programs

The Best Ultra Premium Card in Canada


Don't be swayed by the $699 annual fee - this is a high end card with an annual fee to match. The card comes with welcome bonus of up to 100,000 points which is worth $1,000 or more. This isn't even taking into consideration all the other benefits that this card affords and there are a lot. An annual $200 travel credit, hotel elite status, NEXUS credit, the best lounge access of all cards in Canada and more.

Recommended reading: How to maximize the elite status benefits from The Platinum Card from American Express


The Platinum Card®

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Why is this card the best?

Earns 3x Points per dollar on dining - including restaurants, fast food, coffee shops and more.

Redeem your points at anytime for virtually any purchase starting at only 1,000 points (or as little as $334 in spending)

Convert points directly to Air Canada Aeroplan or British Airways Executive Club on a 1:1 basis

Amazing travel benefits like an annual $200 travel credit, airport business class lounge access benefits, hotel elite status and more

 

The Platinum Card®

Card Type: Charge
Annual Fee: $699 Additional Card Fee: $175 for Platinum, $50 for Gold

• Unlock special experiences with the Platinum Card
• Earn up to 100,000 Membership Rewards® points:
• New Platinum® Cardmembers, earn 80,000 Welcome Bonus points after you charge $6,000 in net purchases to your Card in your first 3 months of Cardmembership– enough to redeem for a $800 credit towards eligible purchases
• Plus, you can also earn 20,000 points when you make a purchase between 14 and 17 months of Cardmembership – enough to redeem for a $200 credit towards eligible purchases
• Earn 3 points for every $1 in Card purchases on eligible dining and food delivery in Canada, 2 points for every $1 in Card purchases on eligible travel, and 1 point for every $1 in all other Card purchases
• You will have access to a $200 CAD Annual Travel Credit to use towards any single travel booking of $200 or more charged to your Platinum Card and made on www.americanexpress.ca/travel or through Platinum Card Travel Service 
• Take full advantage of The American Express Global Lounge CollectionTM  which unlocks access to over 1200 airport lounges worldwide. This includes The Centurion® Lounge network, Plaza Premium Lounges, and hundreds of other domestic and international lounges designed to enhance your travel experience
• Enjoy flexible ways to use your points such as statement credits for any eligible purchase charged to your Card, new travel purchases booked on American Express Travel Online through the Flexible Points Travel Program, and eligible flights through the Fixed Points Travel Program
• Transfer points 1:1 to several frequent flyer and other loyalty programs
• Enjoy complimentary benefits that offer an average value of $550 USD at over 1,000 extraordinary properties worldwide when you book Fine Hotels + Resorts
• Platinum Cardmembers can enjoy access to special events and unique opportunities
• Enjoy premium benefits at the Toronto Pearson Airport such as discount on parking
• You will also have access to many leading hotel and car rental companies’ loyalty programs. Our partners include Marriott International, Hilton Hotels and Resorts, Radisson Hotel Group Americas, Hertz and Avis
• As a Charge Card, interest applies in accordance with your Cardmember Agreement, Information Box, and Disclosure statement if the total New Balance is not paid by the Payment Due Date each month. All payments must be received by the Payment Due Date shown on the monthly statement
• American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information click the Apply now link. Conditions apply


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International Loyalty Programs

The Small Business Credit Card in Canada


Storming onto the market in late 2019 the American Express Business Edge Card quickly took the honours of the best small business card in Canada. A strong sign up bonus and mid-level annual fee on the primary card only (up to 99 supplementary cards are free) are just the start of why this card is so good. Now add in the earn rate of 3 points per dollar on eats & drinks, office supplies & electronics and rides & transit and the card just gets better. Then you have have the power of the Membership Rewards program on the redemption side where 1,000 points = $10 towards any purchase or you can utilize Amex' Fixed Points travel program to score huge value when travelling and the list goes on!


American Express Business Edge™ Card 


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Why is this card the best?

The welcome bonus of 45,000 points (worth $450+) coupled with a mid level annual fee is a huge benefit to this card

The earn rate of 3 points per dolla on eats & drinks, office supplies & electronics and rides & transit

1,000 bonus points for each month you spend $3,000 or more on the card - for the life of the card!

Valuable redemption options via the Membership Rewards Select program including the ability to convert to Marriott Bonvoy

 



American Express Business Edge™ Card 

• Earn up to 57,000 Membership Rewards® bonus points in your first year of Cardmembership
• Earn 45,000 Welcome Bonus points when you charge $5,000 in purchases to your Card in your first three months of Cardmembership
• You can earn an extra 1,000 Membership Rewards points for each monthly billing period in which you spend $3,000 in purchases on your Card. This could add up to 12,000 extra points in a year
• You can earn 3 times the points for Card purchases on eligible business essentials including office supplies & electronics, rides & gas, eats & drinks. Caps and other conditions may apply.
• You can earn 1 times the points on all other purchases charged to the Card
• Get choice and flexibility by using points for purchases or redeeming them for a wide range of travel, dining, entertainment and retail rewards options
• Make the most of a suite of business management tools that give you more control over your business anytime and anywhere
• Leverage your cash flow with the option of carrying a balance or paying in full each month
• American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information click the Apply now link. Conditions apply


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There you have it! The best cards to get in various categories in Canada! Be sure to book mark this page as we will be adding more categories and as new cards or offers come along the best cards in each category may change!

Feel free to explore our site for many more articles, tips and tricks for credit cards and loyalty programs in Canada!