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The Best Credit Cards in Canada Posted on April 14, 2020
Last Updated: January 18, 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:

The Card to get right now

The Best Quick Access Cash Back Credit Card in Canada

The Best AIR MILES Credit Card in Canada

The Best Overall Credit Card in Canada

The Best Long Term Cash Back Credit Card in Canada

The Best Hotel Card in Canada

The Best Low Interest Credit Card in Canada

The Best No Annual Fee Card in Canada

The Best Air Canada Aeroplan Card in Canada

The Best No Foreign Transaction Fee Credit Card in Canada

The Best Small Business Card in Canada

The Best High End Credit Card in Canada

 

The Best Mastercard to use at Costco Canada

 

 

The card to get right now

The card to get right now is the American Express Cobalt Card. Why get this card now? It just had a new limited time welcome bonus offer increase from its standard 30,000 points to 45,000 points. This is the highest ever bonus seen on the Canada's number one travel rewards credit card. 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 $7 off any one of those purchases you had already made. a 3.5% 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 the card to get right now?

New limited time Welcome Bonus of up to 45,000 points! The best ever bonus seen on this card! This offer lasts until May 5, 2021

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 0.7% to 3.5% 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 Marriott Bonvoy which can then be converted to Air Canada Aeroplan, United MileagePlus and over 40 other airlines


American Express Cobalt™ Card


American Express Cobalt™ Card

• Apply now and you could earn up to 45,000 bonus points with the American Express Cobalt™ Card 
   • 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 travel purchases charged to your Card or 
   • $225 in American Express® Prepaid Cards 
   • Plus, when you apply by May 5, 2021, you can earn a Welcome Bonus of 15,000 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 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
• 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

Top Travel Credit Card Welcome Offers
Card & Sign Up Offer Mininum
Travel Value
TD® Aeroplan® Visa Infinite* Card
10,000 points plus earn an Air Canada Buddy Pass to bring anyone along to anywhere Air Canada flies in North America, incl Hawaii and Mexico. ​First year no Annual Fee Conditions Apply. Must apply by Jan 17, 21
$420
CIBC Aeroplan® Visa Infinite* Card
10,000 points plus earn an Air Canada Buddy Pass to bring anyone along to anywhere Air Canada flies in North America, incl Hawaii and Mexico. ​First year no Annual Fee Conditions Apply. Must apply by Jan 31, 21
$420
Marriott Bonvoy™ American Express® Card
Earn 50,000 Marriott Bonvoy™ points after you charge $1,500 in purchases to your Card in your first three months of Cardmembership.
$380
American Express® Aeroplan®* Card
15,000 points plus earn an Air Canada Buddy Pass to bring anyone along to anywhere Air Canada flies in North America, incl Hawaii and Mexico. ​
$360
Alaska Airlines World Elite® Mastercard®
30,000 bonus miles after you make $1,000 or more in eligible purchases within the first 90 days of your account opening. Plus earn a $100 statement credit
$351

 

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 $7 off any one of those purchases you had already made. a 3.5% 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?

New limited time Welcome Bonus of up to 45,000 points! The best ever bonus seen on this card. This offer lasts until May 5, 2021

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 0.7% to 3.5% 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 Marriott Bonvoy which can then be converted to Air Canada Aeroplan, United MileagePlus and over 40 other airlines


American Express Cobalt™ Card


American Express Cobalt™ Card

• Apply now and you could earn up to 45,000 bonus points with the American Express Cobalt™ Card 
   • 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 travel purchases charged to your Card or 
   • $225 in American Express® Prepaid Cards 
   • Plus, when you apply by May 5, 2021, you can earn a Welcome Bonus of 15,000 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 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
• 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

TIP - Check out our American Express Cobalt Card Resources to learn more about this amazing card

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Recommended:

The New Air Canada Aeroplan Program All the resources you need

Presented by HigherEdPoints
Redeem Aeroplan points for education. Pay for tuition or repay student loans through www.HigherEdPoints.com



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

Apply Now

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

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MBNA True Line® Mastercard® credit card

• No annual fee
• Standard Annual Interest Rates of 12.99% on eligible purchases, 12.99% on balance transfers✪ and access cheques, and 24.99% on cash advances
• Around-the-clock fraud protection
• Access to 24/7 customer service
• Immediate cash access at over 1 million ATMs internationally
• 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).

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


The Best No Foreign Transaction Fee Credit Card in Canada

Again, with our current market situation the world of online shopping has exploded - not that it hadn't before but with so many more people staying at home they are utilizing more online shops. It those online purchases are from non-Canadian retailers charging you in US$, GBP or any other currency you are more than likely incurring a 2 to 3% foreign transaction fee that is charged by your credit card company. There are a few cards in Canada however that do not charge this No Foreign Transaction fee and given the situation of the pandemic we've changed the best card from the Scotia Passport Visa Infinte Card (it's still one of the top cards) to the HSBC World Elite Mastercard because of its really good earn rates and rewards options


HSBC World Elite® Mastercard®

Apply Now

Why is this card the best No Foreign Transaction Fee card?

The card has no foreign transaction fees - that means you can save the typical 2.5% on online purchases made outside of Canada or any purchases when you travel outside of Canada

You can convert points to British Airways Executive Club, Cathay Pacific AsiaMiles and Singapore Airlines KrisFlyer

Free global Boingo WiFi and airport lounge access

Strong insurance benefits and annual $100 travel enhancements credit

 


HSBC World Elite® Mastercard®
HSBC World Elite® Mastercard®

Primary Cardholder Annual Fee: $149
Authorized User Annual Fee: $50 Per Card
Annual interest rate: 19.9% on purchases and 22.9% on funds advances
$80,000 personal or $150,000 household annual income

Welcome Bonus of 20,000 Points ($100 in travel rewards)
• Earn 3% in travel rewards on all eligible travel purchases (6 Points per $1) and earn 1.5% in travel rewards on all other eligible purchases (3 Points per $1)
• No foreign transaction fees. Only the exchange rate will apply
• Enjoy maximum flexibility and redeem your Points on your terms for:

• Travel
• Gift cards and valuable merchandise
• Financial rewards
• Rewards for miles

Apply Now


Top Cash Back Credit Card Welcome Offers
Card & Sign Up Offer Min. Cash Back Value
SimplyCash™ Preferred Card from American Express
New SimplyCash™ Preferred Card from American Express Cardmembers can earn 10% cash back on all eligible purchases (up to $400 cash back) for the first 4 months of Cardmembership 
$301
National Bank of Canada World Elite Mastercard
$300 cashback when you spend $4,000 on the card in the first three month and no annual fee on the primary card in the 1st year
$300
ManulifeMONEY+ Visa  Infinite 
Receive 10% cash back on grocery purchases up to $2,500 as your welcome bonus in the first three months card membership
$250
BMO CashBack® World Elite®* MasterCard®*
Earn 10% Cash Back on all Purchases for the first 3 months up to a total spend of $2,000 and the $120 annual fee waived in the first year*
$200
MBNA Rewards World Elite® Mastercard®
Up to 30,000 Points - 20,000 bonus points after you make $2,000 or more in eligible purchases and 10,000 bonus points once enrolled for paperless e-statements within the first 90 days of account opening
$180

The Best Quick Access Cash Back Credit Card in Canada

Technically speaking this could be the American Express Cobalt Card however here we look at overall cash back value and a card that is not an Amex card. By quick access we mean where you can get your cash back quicker than your traditional cash back cards that only provide your cash back reward once per year. Right now the best Quick Access Cash Back Credit Card is the CIBC Dividend® Visa Infinite* Card. It has a strong earn rates but more importantly as of February 1st, 2021 it lets you redeem at anytime when you reach $25 in cash back rewards. For most Canadians that could be once or twice per month if you spend quite a bit on groceries and recurring bills.


CIBC Dividend® Visa Infinite* Card

Apply Now

* denotes the ability to redeem your cash back when you like typically when you reach a small minimum set amount

Why is this card the best?

4% cash back on gas and grocery purchases

2% cash back on transportation, dining purchases and recurring payments (as of Feb 1, 21)

Redeem whenever you like as long as your cash back rewards balance hits $25 (as of Feb 1, 21)

Added benefits like Emergency Road Services and Travel Medical Insurance

 


CIBC Dividend® Visa Infinite* Card

CIBC Dividend® Visa Infinite* Card

Annual Fee $99 Additional Cards (Up to 3): $30
Annual interest rate 19.99%† on purchases and 22.99%† on cash advances
$60,000 personal or $100,000 household annual income †

Welcome Offer: Get a first year annual fee rebate!† Plus, get a 10.99% introductory interest rate on all purchases until August 2021!†

· 4% cash back on eligible gas and grocery purchases†
· 1% cash back on all other purchases†

Apply Now

†Conditions Apply


The Best Long Term Cash Back Credit Card in Canada

This category looks at credit cards that only award your cash back once per year but the trade off is that you can usually earn a slightly higher cash back rate and generally get a better welcome bonus. The card that provides this is also ranked as one of the best cash back cards in Canada in our Cash Back rankings and that card is the SimplyCash Preferred Cash Back card. It has an amazing welcome bonus offer and the best standard cash back earn rate in the country.


SimplyCash™ Preferred Card from American Express


Apply Now

* denotes tthat your cash back reward is only awarded once per year

Why is this card the best?

10% cash back on all purchases for the first 4 months (up to $400 cash back)

2% cash back on all purchases

Strong insurance package and additional American Express benefits

 



SimplyCash™ Preferred Card from American Express
SimplyCash™ Preferred Card from American Express

Card Type: Credit   
Annual Fee: $99 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 SimplyCash™ Preferred Card from American Express Cardmembers can earn 10% cash back on all eligible purchases (up to $400 cash back) for the first 4 months of Cardmembership 
• Earn 2.0% cash back when your Welcome Rate ends
• No limit to the amount of cash back you can earn after your Welcome Rate ends
• Access to memorable experiences with American Express Invites®
• Extensive insurance coverage and 24/7 Customer Service
• 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


The Best No Annual Fee 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 is the MBNA Rewards Platinum Plus Mastercard as it provides a nice welcome bonus along with a really good points earning structure for a no fee card. The points can be redeemed for travel at a rate of 100 points for $1 (a 1% to 4% return depending on your spending) or 200 points for $1 as cash back (a 0.5% to 2% return depending on your spending)


MBNA Rewards Platinum Plus® Mastercard®


Apply Now

Why is this card the best?

Up to 10,000 points as your welcome bonus

Up to a 4% return on your spending

 


MBNA Rewards Platinum Plus® Mastercard®
MBNA Rewards Platinum Plus® Mastercard®

• 4 points†† for every $1 spent on eligible gas, groceries and restaurant purchases during the first 90 days, and 2 points‡ for every $1 spent on eligible gas, groceries and restaurant purchases thereafter ($5,000 annual cap on each category). 1 point‡ for every $1 spent on all other eligible purchases
• 5,000 bonus points†† after you make $500 or more in eligible purchases within the first 90 days of your account opening
• 5,000 bonus points†† once enrolled for paperless e-statements within the first 90 days of account opening
• Redeem points‡ for travel, cash back, brand-name merchandise, gift cards from participating retailers, and charitable donations
• Standard Annual Interest Rates of 19.99% on purchases, 22.99% on balance transfers✪ and access cheques, and 24.99% on cash advances
• No annual fee
• This offer is not available for residents of Quebec.  For residents of Quebec, please click here.


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.


‡ These are highlights of the credit card rewards program (the " Program ") associated with this credit card account. Points will be awarded on eligible transactions charged to your account as set out in the Program terms and conditions. You will earn two (2) points per dollar spent on eligible gas, grocery and restaurant purchases to a maximum annual amount of $5,000 in each category. Eligible purchases that are not eligible gas, grocery and restaurant purchases will earn a Base Earn Rate of one (1) point per dollar. The redemption rate for Points earned may differ depending on the redemption option chosen. Complete terms and conditions describing Program eligibility, accrual, earn limits, and redemption of Points, and other important conditions will be sent after your account is opened. Please read the terms and conditions carefully upon receipt.

†† To qualify for this offer, an applicant must be approved for the specific credit card account described in the offer. Welcome bonus of 5,000 points will be awarded if $500 in eligible Purchases are made on your Account within the first 90 days of account opening that are not subsequently rescinded, the subject of a charge back request(s) or otherwise disputed. In order to obtain a "Paperless Bonus" of 5,000 bonus points, you must enroll in online banking at www.mbna.ca and consent to Paperless Statements for the account within the first 90 days of account opening, and not subsequently rescind such enrollment throughout this period. For the double the points on gas, grocery and restaurant Purchases offer, for the first 90 days after account opening you will earn an additional 2 points/$1 spent on eligible gas, grocery and restaurant purchases (on top of the regular earn rate of 2 points/$1 spent on such purchases as indicated in the Program terms and conditions), subject to a maximum annual cap of $5,000 in each category. Please allow 8-10 weeks for the applicable bonus points to be posted to your points account. Limit one-time bonus point offer (no cash value) per new account for each bonus point offer. This offer is not available to residents of Quebec. This promotion is offered by MBNA and may be amended or cancelled at any time without notice.

✪ 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 1.00 % 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).

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


The Best Small Business 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 


Apply Now

Why is this card the best?

The welcome bonus of 30,000 points coupled with 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 
American Express Business Edge™ Card 

• Earn up to 42,000 Membership Rewards® bonus points in your first year of Cardmembership
• Earn 30,000 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


Apply Now

 


The Best Mastercard to use at Costco Canada

You would think Capital One's Mastercard that is exclusively for Costco members would be the best Mastercard for Costco purchases 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 Rogers World Elite Mastercard as it provides a 1.5% return, great benefits and costs you nothing as it has no annual fee.


Rogers World Elite Mastercard

Apply Now

* denotes the ability to redeem your cash back when you like typically when you reach a small minimum set amount

Why is this card the best?

$25 cash back welcome bonus after your first purchase

1.5% cash back return on all purchases

Strong World Elite Mastercard benefits

Redeem your cash back for any purchase as soon as your rewards balance hits $20

 


Rogers World Elite Mastercard
Rogers World Elite Mastercard

· Earn $25 Cash Back Reward when you make your first purchase on this card
· Annual Fee: $0
· Earn 3% in on all eligible U.S. currency purchases, 1.5% on all other eligible purchases
· Extended Warranty and Purchase Protection, Rental Car Collision/Damage, Out-of-Province/Out-of-Country Emergency Medical, Trip Interruption and Trip Cancellation.
· Complimentary membership in Mastercard Airport Experiences provided by LoungeKey
· Interest Rate: Purchases 19.9% Cash Advances 21.5%
· Minimum Income: $80,000 Personal or $150,000 Household

Apply Now

The Best AIR MILES Credit 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 3,000 AIR MILES which is worth more than $300

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
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 3,000 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 $310 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

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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 most 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 is hidden gem in the travel world.


Marriott Bonvoy™ American Express® Card


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Why is this card the best?

The welcome bonus of 50,000 Marriott Bonvoy points is one of the highest in terms of value in Canada

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
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 enough for 3 free nights at a Category 2 hotel 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&reg 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

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The Best Air Canada 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. If it didn't have that it wouldn't be in this spot, the American Express Gold Rewards card would be as it actually earns more miles per dollar spent but has a lower sign up bonus and an annual fee attached to it.


TD® Aeroplan® Visa Infinite* Card

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Why is this card the best?

The welcome bonus of 20,000 Aeroplan Points and a Buddy Pass coupled with no annual fee in the first year provides huge value of at least $540! - 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

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TD® Aeroplan® Visa Infinite* Card

Annual Fee $139 Additional Cards: $752
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 20,000 Aeroplan points and a bonus Buddy Pass1. Plus, first year no Annual Fee1. Conditions Apply. Must apply by May 30, 2021.

• Bring along a friend! As a new Cardholder, your bonus Buddy Pass 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.1​ 

• Earn a welcome bonus of 10,000 Aeroplan points when you make your first purchase with your new card.1

• Earn 10,000 Aeroplan points when you spend $1,000 within 90 days of Account opening, up to a total of 20,000 points.1

• 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 May 31, 2021.

Your Card also allows you to enjoy:

• Travelling lightly through the airport and saving on baggage fees3. 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/50lb) when your travel originates on an Air Canada flight.
• Enroll for NEXUS and once every 48 months get an application fee rebate (up to $100 CAD)4. Additional Cardholders can also take advantage of this NEXUS fee rebate.
• For a limited time, earn 1.5 bonus Aeroplan points for each $1 spent on eligible purchases at participating Starbucks® locations17. Conditions Apply. Offer ends November 7, 2021.
• Travel Medical Insurance10: Up to $1 million of coverage for the first 21 days. If you or your spouse is aged 65 or older, you are covered for the first 4 days of your trip. Additional top-up coverage is available.
• Trip Cancellation/Trip Interruption Insurance11: For Trip Cancellation coverage of up to $1,500 per insured person, with a maximum of $5,000 for all insured persons, and for Trip Interruption coverage of up to $5,000 per insured person, with a maximum of $25,000 for all insured persons on the same covered trip.
• Flight/Trip Delay Insurance12: Up to $500 in coverage per insured person if your flight/trip is delayed for over 4 hours.
• Delayed and Lost Baggage Insurance12: Up to $1,000 overall coverage per insured person toward the purchase of essentials, such as clothes and toiletries, if your baggage is delayed for over 6 hours or lost.
• Common Carrier Travel Accident Insurance13: Up to $500,000 of coverage for covered losses while travelling on a common carrier (for example, a bus, ferry, plane, train or auto rental).
• Hotel/Motel Burglary Insurance14: Up to $2,500 of coverage per occurrence for eligible personal items stolen from your hotel room that belong to the Cardholder on the Account and eligible family members travelling with the Cardholder.
• Auto Rental Collision/Loss Damage Insurance15: Coverage for up to 48 consecutive days.
• Emergency Travel Assistance Services16: Help is just a call away. Toll-free access to help in the event of a personal emergency while travelling.

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

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.

Interest rates, fees and features are effective as of January 18, 2021, unless otherwise indicated, and are subject to change.

The Aeroplan program is a loyalty rewards and recognition program operated by Air Canada’s subsidiary Aeroplan Inc. Visit Air Canada for complete terms and conditions of the Aeroplan program.

1 Must apply by May 30, 2021. Welcome Bonus of 10,000 Aeroplan points will be awarded to the Aeroplan Member account associated with the TD® Aeroplan® Visa Infinite* Card Account (“Account”) only after the first Purchase is made on the Account. For Residents outside of Quebec: To receive the additional bonus 10,000 Aeroplan points and the bonus Buddy Pass, you must make $1,000 in net Purchases (less any returns and credits) on your Account, including your first Purchase, within 90 days of Account opening. For Quebec Residents only: To receive the additional bonus 10,000 Aeroplan points and the bonus Buddy Pass, you must keep your Account open, active and in good standing for 90 days after Account opening. For all Accounts: Rebate of the Annual Fee is only for the first year for the Primary Cardholder and up to 3 Additional Cardholders added to the Account. 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. To receive the Additional Cardholder Annual Fee Rebates, you must add your Additional Cardholders by May 31, 2021. Annual Fee Rebate will be applied within 2 monthly statements from the date of the statement with the first Annual Fee charge. The Primary Cardholder is responsible for all charges to the Account, including those made by any Additional Cardholder. Other conditions apply. If you have opened an Account in the last 12 months, you will not be eligible for this offer. We reserve the right to limit the number of Accounts opened by one person, and the number of Welcome Bonus Aeroplan points, additional bonus Aeroplan points and bonus Buddy Passes awarded to any one person. Offers may be changed, withdrawn or extended at any time and cannot be combined with any other offer unless otherwise specified. Your Account must be in good standing at the time the Welcome Bonus Aeroplan points, additional bonus Aeroplan points and the bonus Buddy Pass are awarded. Please allow up to 8 weeks after the conditions for each offer are fulfilled for the Welcome Bonus Aeroplan points, additional bonus Aeroplan points and the bonus Buddy Pass to be credited to your Aeroplan Member account.

The Buddy Pass entitles a companion to accompany the Primary Cardholder for a $0 base fare, when a published Economy Class fare marketed and operated by Air Canada, Air Canada Rouge or under the Air Canada Express brand is booked for travel wholly within North America. The pass is valid for 12 months from the date of issuance. The pass is valid towards a new booking only, and not valid on existing reservations. Bookings must be made directly with Air Canada, via aircanada.com, the Air Canada Mobile App, or through the Air Canada call center (“Air Canada Reservations”). Valid for one round-trip for a companion when travelling on the same itinerary and booked at the same time as Primary Cardholder. Maximum one companion pass may be used per booking. If one-way travel is booked, the pass will be deemed fully used and the return portion of travel is forfeited. Total pricing varies based on itinerary booked. Primary Cardholder may use the pass only once for travel wholly within North America, which is defined as Canada , the United States (including Hawaii) and Mexico. Companion will be responsible to pay all applicable taxes, fees, and charges that apply above the base fare. Valid for travel at any time with no blackout periods. Also valid against the purchase of fares on sale. Companion will be booked into same fare brand as Primary Cardholder and will receive all applicable benefits and services associated with that fare brand. The pass may not be used with premium cabin fares, or in conjunction with Aeroplan flight rewards, Flight Pass, group travel bookings, Air Canada Vacations bookings, or any other discounts or promotion codes. The pass must be redeemed at time of purchase of a ticket, and if multiple companion passes are available for the Aeroplan number, the pass that would expire first will be used. Booking must be made before the pass expiry date; travel may occur after the pass expiry date subject to flight schedule availability at the time of booking. The pass may only be used as described, cannot be transferred and has no monetary or exchange value. Changes or cancellations are allowed according to the fare rules of the fare purchased. Changes and cancellations must be made at the same time for both guests, and failure to do so may result in a forfeit of the companion pass. If during a change or cancellation the certificate is reinstated in the Primary Cardholders account, the original expiry date will take effect and the pass may then be considered expired. In the event of a change or cancellation, travellers are required to pay all applicable fees based on the fare type purchased for each ticket, plus the difference in fare, if applicable and all applicable taxes, fees, and charges that apply above the base fare. Companions who are members of the Aeroplan program or other partner frequent flyer programs will not be eligible to accumulate points or miles for the ticket issued in exchange for the companion pass. Aeroplan Elite Status benefits and upgrades are applicable if the traveller holds appropriate status and the fare purchased allows for such benefits and upgrades. Air Canada reserves the right to apply additional fees for bookings made via Air Canada Reservations. Unused passes will automatically be cancelled on the date the credit card is closed, regardless of reason for closure, or if the credit card account is changed to a different product. Terms and conditions of the air transportation services are subject to the General Conditions of Carriage & Tariffs and any other terms and conditions relating to air transportation services in effect at the time of booking, as determined by Air Canada in its sole discretion and as may be changed from time to time. This one-time Buddy Pass is only valid for eligible cardholders. You will not be eligible for the Buddy Pass if you have previously opened an Aeroplan Program credit card of the same type, regardless of the credit card issuer and have received the Welcome Bonus offer in the last 12 months. This offer may be changed, cancelled or extended at any time and cannot be combined with any other offers.

2 Primary Cardholder remains liable for all charges to the Account, including those made by any Additional Cardholder.

3 A Primary Cardholder or Additional Cardholder, and up to eight (8) other passengers travelling on the same reservation (up to a maximum of nine (9) travellers), are each entitled to a free first checked bag up to 23kg/50lbs. Benefit only applies when checking in with Air Canada, for a flight operated by Air Canada, Air Canada Rouge or under the Air Canada Express brand. Benefit is not available if check-in is with another airline. If the first checked bag is already complimentary (for example, as a result of Aeroplan Elite Status or fare purchased), there is no additional checked bag benefit that will be provided. Free first checked bag benefit may not be applied retroactively, and no refunds will be issued. Service charges for additional/oversized/overweight baggage may apply. More information on baggage restrictions: https://www.aircanada.com/ca/en/aco/home/plan/baggage.html.

4 The Account will receive a statement credit up to a maximum of $100 CAD for the amount posted to the Account for a NEXUS application fee regardless of NEXUS application approval. There is a maximum of four (4) NEXUS statement credits available when a qualifying NEXUS application fee is posted to the Account in any given 48-month period and the number of available NEXUS statement credits will be equal to the number of Cardholders on the Account when a qualifying NEXUS application fee is posted to your Account. The 48 month period starts when the first qualifying NEXUS application fee is posted to the Account. To be eligible for the statement credit, the Account must be in good standing at the time the NEXUS application fee is charged and posted on the Account. NEXUS means the expedited border control program offered jointly by the Canada Border Services Agency and the U.S. Customs and Border Protection. The terms of the NEXUS program are established by NEXUS. The Toronto-Dominion Bank and its affiliates are not responsible for the NEXUS program: https://www.cbsa-asfc.gc.ca/prog/nexus/term-eng.html

5 Purchase of Gas or Grocery or Air Canada Products means a Purchase of gas or gas station services or products or a Purchase of grocery or grocery items, including those at grocery locations, or a Purchase from Air Canada or of any of Air Canada’s products and services, each from a merchant classified through the Visa network with a merchant category code (MCC) that identifies the merchant in the “gas” or “grocery” or "Air Canada" category. Aeroplan points are earned on eligible purchases charged to the Account as follows:
• 1.5 Aeroplan points (Bonus Rate) earned for each $1 in Purchases of Gas, Grocery or Air Canada Products (earned only on a maximum annual amount of $80,000 of Purchases of Gas, Grocery or Air Canada Products); or
• 1 Aeroplan point earned for each $1 on all other Purchases.

Please contact TD if you wish to confirm the MCC that applies to a particular merchant, or if the Purchase qualifies as a Purchase of Gas, Grocery or Air Canada Products. If you have earned Aeroplan points on the maximum annual amount of Purchases of Gas, Grocery or Air Canada Products charged to your Account (from January 1 to December 31) or if your Purchase does not qualify as a Purchase of Gas, Grocery or Air Canada Products, you will instead earn the standard rate of Aeroplan points that applies to all other Purchases charged to the Account as described above. The Bonus Rate is in place of and not in addition to the standard rate of Aeroplan points earned on all other Purchases charged to the Account.

6 The Toronto-Dominion Bank is not responsible for any Aeroplan points earned under this “earn points twice” feature of the Aeroplan program when the Aeroplan number is provided. See your Aeroplan program for full details. Feature may be changed, withdrawn or extended at any time and cannot be combined with any other offer

7 The Aeroplan number of the person accessing the benefit must be included in the qualifying reservation, and the name on the airline reservation must be identical to the name on the Aeroplan account of the traveller. For Additional Cardholders’ ability to access available benefits, their Aeroplan number must be linked to a valid credit card account as verified by the bank. Please allow up to 72 hours after the credit card is approved, or the Aeroplan number of the Additional Cardholder is linked to the Additional Cardholder credit card, for these benefits to be activated. Aeroplan member accounts of the Primary Cardholder and Additional Cardholder(s) must be in good standing at time of flight for airline benefits to apply. Airline benefits will no longer be available upon account closure, regardless of reason for closure, or if the credit card product is changed. Aeroplan membership and benefits are subject to the Aeroplan Program Terms & Conditions (https://www.aircanada.com/ca/en/aco/home/aeroplan/legal/terms-and-conditions.html) and any applicable Air Canada terms and conditions relating to a benefit, as determined by Air Canada in its sole discretion and as may be changed from time to time.

8 The goods and services Cardholders request or otherwise choose to obtain through the Visa Infinite Concierge Service are provided by various third-party service providers unrelated to Visa. Visa does not endorse, review or qualify these service providers. Visa makes no representations or warranties (either express or implied) about and assumes no responsibility or liability for these service providers or the goods and services that may be obtained through the Visa Infinite Concierge. Neither Visa nor TD are responsible for any claims or damages arising from the use of any benefits or services provided by a third party. Visa cannot guarantee the successful fulfillment of Cardholders’ requests in all instances. There is no fee for the Concierge’s services; however, Cardholders are responsible for the cost of any goods or services (including any related fees or costs) authorized by the Cardholder and purchased by the Visa Infinite Concierge on the Cardholder’s behalf. All costs will be charged directly to the Cardholder’s Visa Infinite card.

9 You must be an eligible Visa Infinite Cardholder with a valid Canada-issued Visa Infinite Card to take advantage of the Visa Infinite benefits and services. Certain benefits and services require enrollment. Offers and benefits are non-transferable, and discounts cannot be combined with any other offer or discount. Neither Visa nor the Issuer of the Card are responsible for any claims or damages arising from the use of any benefits or services provided by a third party. Visa reserves the right to modify or cancel offers or benefits at any time and without notice. All offers, benefits and services made available through Visa are subject to complete terms and conditions (https://www.visainfinite.ca/infinite/en/terms.html), including third-party suppliers’ terms and conditions. The Visa Infinite privacy policy (https://www.visa.ca/en_CA/legal/global-privacy-notice.html) applies to all benefits and services that require enrollment through, or are otherwise provided by, the Visa Infinite Concierge or the Visa Infinite website. The collection use and disclosure of Cardholders’ personal information by third-party suppliers of services and benefits to Visa Infinite Cardholders are subject to such third parties’ own privacy policies.

10 Underwritten by TD Life Insurance Company. Medical and claims assistance, claims payment and administrative services are provided by our Administrator. Benefits, features and coverages are subject to conditions, limitations and exclusions, including a pre-existing condition exclusion, that are fully described in the Certificates of Insurance included with your TD Credit Cardholder Agreement. Note that this insurance offers different benefits, with different terms and conditions, then the optional Travel Medical Insurance that may be medically underwritten and is available for purchase to all TD customers, which you may be eligible to top up with. The day of departure from and the day of return to your province or territory of residence each count as one full day. 21-day coverage if you’re under 65 and 4-day coverage if you’re 65 or older.

11 Underwritten by TD Life Insurance Company (for medical covered causes) and TD Home and Auto Insurance Company (for non-medical covered causes). To be eligible for this insurance, at least 75% of your trip cost must be paid for using your TD Credit Card and/or Aeroplan points. Benefits, features and coverages are subject to conditions, limitations and exclusions, including a pre-existing condition exclusion, that are fully described in the Certificates of Insurance included with your TD Credit Cardholder Agreement. Note that this insurance offers different benefits, with different terms and conditions, than the optional Trip Cancellation and Trip Interruption Insurance that is available to all TD customers.

12 Underwritten by TD Home and Auto Insurance Company. To be eligible for this coverage, at least 75% of your trip cost must be paid for using your TD Credit Card and/or associated Aeroplan points. Benefits, features and coverages are subject to conditions, limitations and exclusions that are fully described in the Certificates of Insurance included with your TD Credit Cardholder Agreement.

13 Underwritten by TD Life Insurance Company. To be eligible for this coverage, your trip must be paid for in full using your TD Credit Card and/or Aeroplan points. Benefits, features and coverages are subject to conditions, limitations and exclusions that are fully described in the Certificate of Insurance included with your TD Credit Cardholder Agreement.

14 Insurance coverages are underwritten by American Bankers Insurance Company of Florida (ABIC) under Group Policy TDA112020. Benefits, features and coverages are subject to conditions, limitations and exclusions that are fully described in the Certificates of Insurance included with your TD Credit Cardholder Agreement. ABIC, its subsidiaries, and affiliates carry on business in Canada under the name of Assurant ®. Assurant® is a registered trademark of Assurant, Inc.

15 Underwritten by TD Home and Auto Insurance Company. Car rentals must be charged in full to the Card and/or associated Aeroplan points, cannot exceed 48 consecutive days and the rental agency’s Collision Damage Waiver (CDW) coverage must be declined by the Cardholder. Please note, in some jurisdictions, rental agencies may require you to purchase the CDW coverage from them — it is important to call before booking your car rental to confirm their insurance requirements. Refer to the Auto Rental Collision/Loss Damage Insurance section of your TD Credit Cardholder Agreement for rental exclusions and further details.

16 Provided by our Administrator under a service agreement with TD Life Insurance Company. This is not an insurance benefit but assistance services only.

17 Limited Time Promotional Offer:  Applies to the TD® Aeroplan® Visa Infinite* Card (the Account).  Offer starts November 8, 2020 and ends November 7, 2021 (the Offer Period).  The Offer Period will apply regardless of when your Account is activated. Account Cardholders will earn 1.5 Bonus Aeroplan points for each $1.00 in Purchases charged to the Account at participating Starbucks® locations in Canada (the "Starbucks Bonus Aeroplan Earn Rate").  All reloads on the Starbucks mobile application and in-store purchases at corporate-owned stores are eligible. In-store purchases at licensed stores are excluded from this offer. See if a Starbucks location is a participating location. The Starbucks Bonus Aeroplan Earn Rate earned during the Offer Period is in place of, and not in addition to the base Aeroplan point earn rate for the Account.  If the Purchase does not qualify for the Starbucks Bonus Aeroplan Earn Rate, you will earn the base earn rate of 1 Aeroplan point for each $1.00 in Purchases charged to the Account.  Your Account must be in good standing to earn Aeroplan points. Any returned items, refunds, rebates or other similar credits will reduce or cancel the Aeroplan points earned on the original qualifying Purchase.  Please allow up to 8 weeks after each statement period for the Starbucks Bonus Aeroplan Earn Rate to be credited to your Account. This Limited Time Promotional Offer will be in addition to any other offers available for your Account. Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer unless otherwise specified. Starbucks and the Starbucks logo are registered trademarks of Starbucks Corporation.

All trade-marks are the property of their respective owners.
See Air Canada and Aeroplan trade-mark ownership details. (https://www.tdcanadatrust.com/products-services/banking/credit-cards/view-all-cards/trademark-legal.jsp)
™ NEXUS Official mark and/or trademark of Her Majesty the Queen in Right of Canada, used under license.
* Trademark of Visa Int., used under license.
® The TD logo and other trade-marks are the property of The Toronto-Dominion Bank.
Annual interest rates, fees and features are subject to change.


The Best High End Credit 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 a 25,000 point welcome bonus when you spend $2,000 on the card and with a $20 per 1,000 points redemption rate the welcome bonus is worth $500 alone. 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, lounge access and more. Sure we're not travelling now but those will come in handy in the future.


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 $167 in spending)

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

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


The Platinum Card®
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
• New Platinum® Cardmembers, earn 25,000 Welcome Bonus Membership Rewards® points when you charge $2,000 in purchases to your Card in the first three months of Cardmembership
• Earn 3 points for every $1 in Card purchases on eligible dining 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 Collection™ 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 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 including security bypass, complimentary valet car service and discount car care and 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 Hotels and Resorts, Hertz® and Avis®
• As a Charge Card, the balance must always be paid in full each month. 30% annual interest rate applies to balances not paid in full. Payments must be received and processed by the date of the next monthly statement to avoid interest charges
• 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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Recommended reading: How to maximize the elite status benefits from The Platinum Card from American Express


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!

 



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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 information on this TD credit card, please click on the Apply Now button.



 

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