The Best Visa Credit Cards July 2022

Last updated on June 7, 2022
First posted on April 28, 2022


In the market for a Canadian Visa Card? Overwhelmed with so many choices? Here we make it easy and pick six Visa Cards from the dozens available that are best across several categories.

Quick jump to each of the categories on this page:


Canadian Loyalty Programs

The best overall Visa Card in Canada


One of Canada's oldest, largest and best known loyalty programs, Air Canada's Aeroplan has a lot of credit cards partnered with it however the primary card out of them all is the TD® Aeroplan® Visa Infinite* Card. This card also happens to be the best overall Visa card in Canada thanks to a great welcome bonus, strong points earning, the potential to get outsized value from those points and a slew of travel and insurance benefits. With the ability to redeem points to almost any destination worldwide in Economy to Business to First Class the Aeroplan program is tough to compete with if you know how to make those most it. Add in card features like first checked bag free, Preferred Pricing for Aeroplan flight redemptions, a NEXUS credit and you can see why this is the best Visa card in Canada.


TD® Aeroplan® Visa Infinite* Card

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Why this card is the best Visa Card in Canada?

The welcome bonus of up to 50,000 Aeroplan Points coupled with no annual fee in the first year provides huge value of at least $750!

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

Online exclusive
Earn up to 50,000 Aeroplan points†. Plus, first year no Annual Fee†. Conditions Apply. Must apply online by September 5, 2022.

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 $1,400 in value† including up to 50,000 Aeroplan points, no annual fee for the first year and additional travel benefits. Must apply by September 5, 2022.

  • Earn a welcome bonus of 10,000 Aeroplan points when you make your first purchase with your new card†
  • Earn 20,000 Aeroplan points when you spend $1,500 within 90 days of Account opening†
  • Plus, earn an additional 20,000 Aeroplan points when you spend $7,500 within 12 months of Account opening†
  • 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 September 6, 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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Earn Aeroplan Points

 The Best Hybrid Visa Card


One of the most popular cards in Canada thanks to it being on the market for so many years is the RBC Avion Visa Infinite Card! This stalwart is also the best Hybrid Visa card in Canada. What do we mean by Hybrid? Well, this is Rewards Canada's favourite type of category, and Hybrid means it provides the two most popular redemption options when it comes to travel. The first option is the any airline any time option and you get that with RBC Rewards' Avion airline award chart - you can redeem points for travel on any airline that you can book via RBC Rewards. The second option is converting points to airline frequent flyer programs and the Avion card has you covered here! You can convert points to American AAdvantage, British Airways Executive Club, Cathay Pacific Asia Miles and WestJet Rewards. What more could you ask for?

RBC Avion Visa Infinite Card
RBC Avion Visa Infinite Card

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Why is this card the best Hybrid Visa Card?

The best ever bonus for this card is now out! You can earn up to 55,000 bonus RBC Rewards Points and the first part is the easiest welcome bonus to earn in the Canadian market - you get 35,000 points on approval - no minimum spend or timeline required. Then spend $5,000 over 6 months and get another 20,000 points.

Up to a 2.3% return on your spending depending on which reward ticket you book.

Convert your points to American Airlines, British Airways, Cathay Pacific or WestJet. Keep your eye out for transfer bonus several times per year!

 



RBC Avion Visa Infinite

Annual Fee: $120
Additional Card Fee: $50


Get up to 55,000 bonus points (a value of up to $1,100), that’s enough to fly anywhere in North America or the Caribbean! (Taxes and Fees extra) - You’ll get 35,000 Welcome Points on approval and 20,000 bonus points when you spend $5,000 in your first 6 months. Apply by September 16, 2022

  • Earn 1 RBC Rewards® point for every dollar you spend* and an extra 25% on eligible travel purchases.
  • When you are ready to travel again, Avioners can book flights with points on any airline, on any flight, at any time, early or last minute, with no blackout periods or restrictions.
  • Avioners earn points that never expire so your points will be waiting for your next adventure.
  • Redeem your points for travel and more. Use points for anything from paying bills and paying your card balance to redeeming for Gift Cards and Merchandise at top brands like Apple. The RBC Rewards program gives you the freedom of choice to use your points your way, and helps you make the most as an Avioner.
  • Eligible RBC Rewards members can also convert points to other loyalty programs including WestJet dollars, British Airways Avios points and Hudson’s Bay Rewards points.
  • Link your RBC card with a Petro-Points membership to instantly save 3₵ per litre on fuel at Petro-Canada stations and earn 20% more Petro-Points and 20% more RBC rewards points
  • Link your RBC card with a Rexall Be Well account and get 50 Be Well points for every $1 spent on eligible products at Rexall. Redeem Be Well points faster for savings in store on eligible purchases where 25,000 Be Well points = $10
  • Get access to RBC offers which provides access to earn points faster at specified brands
  • Extensive insurance including: mobile device insurance, travel insurance (trip cancellation, interruption and emergency medical) and other eligible purchases to protect you and your family
  • Avioners get access to luxury Visa Infinite benefits including first in line for exclusive events, and hotel and dining benefits.
  • Avioners no longer need 14-days to book travel using the RBC grid
  • Up to a 2.3% return on your spending depending on which reward ticket you book
  • Unwritten ability to redeem for Business Class tickets although at a lower rate of return when compared to the Avion Reward chart
  • Get $0 delivery fees for 12 months from DoorDash17 - Add your eligible RBC credit card to your DoorDash account to:
    • Get a 12-month complimentary DashPass subscription18 – a value of almost $120
    • Enjoy unlimited deliveries with $0 delivery fees on orders of $12 or more when you pay with your eligible RBC credit card
Apply Now

Earn Aeroplan Points

 The Best No Foreign Transaction Visa Card


One of the most well rounded travel rewards cards in Canada, the Scotiabank Passport Visa Infinite Card is the best No Foreign Transaction Fee Visa Card in Canada. What this means is they don't charge the 2 to 3% that most cards do in Canada when you make a purchase that isn't in Canadian dollars. Like to shop online from the U.S.? Travel a lot outside of Canada? This card will save you on average 2.5% on those purchases. On top of this it has a decent earn rate of 1 to 2 Scene+ points per dollar and those points can be redeemed for any travel that your purchase with any travel provider or via Scene+ Travel. On top of that the card has complimentary lounge access membership with six free lounge visit passes per year - each pass saves you US$32!

Scotia Passport Visa Infinite Card
Scotiabank Passport Visa Infinite Card

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Why is this card the best No FX Fee Visa Card?

No Foreign Transaction fees will save you on average 2.5% on all purchases that are made outside of Canada whether travelling or shopping online

Earn 2 points for every $1 spent on eligible grocery stores, dining, entertainment purchases, and daily transit purchases (including buses, subways, taxis and more).

Redeem your points for any travel that is booked through any travel provider

Complimentary Airport Lounge Access, plus 6 free lounge visits per year that are worth US$192 in total

 



Scotiabank Passport Visa Infinite card

Annual Fee: $139 Additional Cards: $0 for first card $50 for each additional
Minimum Income $60,000

• Earn up to 35,000 bonus Scene+ Rewards points in your first year (that’s up to $350 towards travel )1
Bonus offer broken down as follows:
- Earn 25,000 bonus Scene+ Rewards points by making at least $1,000 in everyday eligible purchases in your first 3 months.
- Plus, as a Scotiabank Passport Visa Infinite cardholder, you are eligible to earn an annual 10,000 Scene+ Rewards point bonus when you spend at least $40,000 in everyday net eligible purchases annually.
• Earn 2x Scene+ Rewards® points on every $1 you spend on eligible grocery stores, dining, entertainment purchases and daily transit purchases (including buses, subways, taxis and more)
• Enjoy no FX Mark-up
• Enjoy Complimentary Airport Lounge Access, plus 6 free lounge visits per year
• Rates, fees and other information are effective as of Mar 1, 2021. Subject to change.


Apply Now


No Fee Travel Visa Card

 The Best No Annual Fee Travel Rewards Visa Card


CIBC's Aventura line of credit cards are quite popular in Canada thanks to the popularity of the bank and relative ease of use of the CIBC Rewards program. That line up of cards also includes the CIBC Aventura® Visa* Card which is the best no annual fee travel rewards Visa card in Canada. With a relatively strong points earning structure coupled with the Aventura airline award chart for redeeming for flights, the card provides good value for a no fee card. It also has some insurance coverage and strong welcome bonus for a no fee travel card.


CIBC Aventura® Visa* Card

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Why is this card the best no annual fee travel rewards Visa card?

A sign up bonus worth up to $120

An accelerated earn rate of 1 point per dollar spent at gas stations, grocery stores and drug stores

Redeem your points for any travel booked via CIBC Rewards

Includes Auto Rental Collision and Loss Damage Insurance, Purchase Security and Extended Protection Insurance $100,000 and Common Carrier Accident Insurance

 



CIBC Aventura® Visa* Card


Annual Fee $0 Additional Cards (Up to 3): $0
Annual interest rate 20.99%† on purchases and 22.99%† on cash advances and 22.99% † on balance transfers
$15,000 household annual income †

Welcome Offer: Join and get up to $120 in value† for no annual fee.†

Get up to 12,000 Aventura points when you make your first purchase (up to $120 in travel value†)
Here’s how it adds up:
• Get up to 12,000 Aventura Points (up to $120 in travel value†):
• 2,500 Aventura Points when you complete all activities within 60 days of your CIBC Aventura® Visa* account approval.†
• 9,500 Aventura Points after you make your first purchase.

• 1 Point for every $1 spent on travel purchased through the CIBC Rewards Centre†
• 1 Point for every $1 spent at eligible gas stations, grocery stores and drug stores†
• 1 Point for every $2 spent on all other purchases†

Save on gas with CIBC and Journie Rewards
Link and use your CIBC Aventura Visa Card with Journie Rewards to automatically save up to 10 cents per litre† at participating Pioneer, Fas Gas, Ultramar and Chevron gas stations.†

• Travel when it’s right for you – your Aventura Points don’t expire†
• Redeem your Aventura Points for more than travel with our Shop With Points/Pay with Points features†
• Travel local - Aventura Points can be redeemed for more than just flights – use your Points for hotels and car rentals for a weekend getaway
• This offer is not available for residents of Quebec.

Apply Now

This is a digital-exclusive offer.† To be eligible for this offer, you must apply for a new eligible card using the “Learn More” link available on this webpage.†

†Conditions Apply






Best Cash Back Visa

The Best Cash Back Visa Card


The best cash back Visa card in Canada is the CIBC Dividend® Visa Infinite* Card. Featuring a first year annual fee rebate and 10% cash back for the first 4 statements on net purchases of up to $2500† plus a strong 4% return on groceries and gas you can turbocharge your cash back. Plus you will benefit from a high cap on earn categories ($20K), no limit to the cash back you can earn, and strong insurance benefits! On top of this you can cash out cash back rewards anytime your balance hits $25 - no need to wait for a once per year cash out like this card's biggest competitor.


CIBC Dividend® Visa Infinite* Card


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Why is this card the best cash back Visa Card?

Strong 10% cash back welcome bonus where you can get up to $250 cash back

4% cash back on grocery and gas purchases

2% cash back on eligible transportation, dining purchases and recurring payments

You can redeem your cash back at anytime when your rewards balance reaches $25



CIBC Dividend® Visa Infinite* Card


Annual Fee $120 Additional Cards (Up to 3): $30
Annual interest rate 20.99%† on purchases and 22.99%† on cash advances and 22.99% † on balance transfers
$60,000 personal or $100,000 household annual income †

Get a first-year annual fee rebate for you and up to three Authorized Users† and 10% cash back for the first 4 statements on net purchases of up to $2500.†

10% cash back for the first 4 statements ($ 250 cap) & Fee Rebate†

After that, get 4% cash back on eligible gas and grocery purchases.†

• 2% cash back on eligible transportation, dining purchases and recurring payments†
• 1% cash back on all other purchases†
• Get cash back on demand - redeem your cash back at any time when you have a minimum of $25 through CIBC Online and Mobile Banking®†

Save on gas with CIBC and Journie Rewards
Link and use your CIBC Dividend® Visa Infinite* Card with Journie Rewards to automatically save up to 10 cents per litre† at participating Pioneer, Fas Gas, Ultramar and Chevron gas stations.†

• This offer is not available for residents of Quebec.

Apply Now

This is a digital-exclusive offer.† To be eligible for this offer, you must apply for a new eligible card using the “Learn More” link available on this webpage.†

†Conditions Apply


No fee cash back visa card

The Best No Annual Fee Cash Back Visa Card


The best no annual fee Visa Card in Canada is the Simplii Financial™ Cash Back Visa* Card. For being a no fee card it has a great cash back rewards earn rates. You earn 4% cash back on dining purchases (up to $5,000 in purchases annually), 1.5% back on gas, groceries, drugstore purchases and pre-authorized payments (up to $15,000 in purchases annually), and 0.5% on all other purchases. The current welcome bonus is also great at 10% cash back on up to $500 in dining spend made in the first four months


Simplii Financial™ Cash Back Visa* Card

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Why is this card the best no fee cash back Visa card?

4% cash back on dining is one of the best earn rates for a no fee card

1.5% cash back on gas, groceries, drugstore purchases and pre-authorized payments is great for a no fee card

The welcome bonus of 10% cash back on the first $500 in dining spend is an easy way to get $50 in rewards

The card also provides purchase protection and extended warranty coverage

 



Simplii Financial™ Cash Back Visa* Card

Card Type: Credit Card   
Annual Fee: $0 Additional Card Fee: $0
Annual interest rate 19.99% on purchases and 22.99% on funds advances
$15,000 annual household income

  • Welcome offer: For your first 4 months, enjoy 10% bonus cash back‡ at restaurants and bars up to $500 spend. Get 4% cash back after that.
  • Get 9.99% introductory annual interest on purchases for the first 6 months
  • Earn 4% on eligible restaurant, bar and coffee shop purchases, up to $5,000 per year
  • Earn 1.5% on eligible gas, groceries, drugstore purchases and pre-authorized payments, up to $15,000 per year
  • Earn 0.5% on all other credit card purchases with no limit on how much you can earn.
  • Purchase Security and Extended Protection Insurance

Apply Now


There you have it! The best Visa cards in Canada!

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