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Best Overall Credit Card: American Express Cobalt® Card

The American Express Cobalt® Card stands out as the best overall credit card in Canada for its unbeatable combination of flexible rewards, high earn rates on everyday spending, and valuable travel perks.

  • Rating: ★★★★★ (4.8/5)

  • Annual Fee: $155.88 ($12.99/month)

Reward Rates:

  • 5x points on food & drinks (restaurants, cafes, bars, delivery)
  • 3x points on streaming services
  • 2x points on travel & transit
  • 1x point on everything else

 

 

Best For: Everyday spending, travel rewards, and flexible redemptions via Amex Membership Rewards

 

With its generous multipliers and premium benefits, the Cobalt is ideal for Canadians who want to maximize points on the purchases they already make every day.

Find the Best Credit Card for You — Backed by Capital Corner’s Expert Research

The best credit card isn’t one-size-fits-all — it’s the one that matches your unique lifestyle, goals, and spending habits. At Capital Corner, our team has reviewed and rated the best credit cards in Canada and the U.S. for 2025 — from high-reward travel cards and cashback champions to 0% APR offers and no-annual-fee options — so you can find the perfect fit for your wallet.

Capital_Corner__3_-removebg-preview.png
  • 400+ credit cards reviewed and curated with real-world value in mind

  • Independent and unbiased research focused on financial literacy and empowerment

  • 10,000+ hours spent comparing fees, rewards, perks, and fine print

  • Transparent rating criteria so you always know how cards are evaluated

  • Built by financial educators who make it easy to compare, understand, and apply\

Our credit card content is created and reviewed by experienced finance professionals, not salespeople. Whether you're a student building credit, a family maximizing cashback, or a frequent flyer chasing points — Capital Corner is your trusted guide.

Best Credit Cards for 2025 

Best for: Travel Insurance

The_Platinum_Card.avif

American Express® Gold Rewards Card

5.0/5


Annual Fee

$250

Interest Rate

21.99%

Intro offer

60,000 Points

Recommended credit score

700 - 900

Card details

2xPoints on eligible travel purchases.

2x Points on eligible purchases at gas stations in Canada.

2x on eligible purchases at grocery stores in Canada.

2x on eligible purchases at drugstores in Canada.

1x Point on purchases everywhere else.

 

 

  • Earn up to 60,000 Membership Rewards® points:

  • New American Express® Gold Rewards Cardmembers, earn 5,000 Membership Rewards® points for each monthly billing period in which you spend $1,000 in net purchases on your Card.

  • This could add up to 60,000 points in a year. That’s up to $600 towards your next vacation.

  • Earn 2 points for every $1 in Card purchases for eligible travel purchases, including flights, hotels, car rentals, cruises, and more.

  • Earn 2 points for every $1 in Card purchases at eligible gas stations, grocery stores and drugstores in Canada, and 1 point for every $1 in Card purchases everywhere else.

  • The Card is now available in your choice of Gold or Rose Gold metal options.

  • Receive a $50 CAD statement credit when a NEXUS application or renewal fee is charged to your American Express Gold Rewards Card.

  • You have access to an annual $100 CAD Travel Credit, compliments of your American Express Gold Rewards Card. Use the credit once annually towards any single travel booking of $100 or more charged to your Gold Rewards Card through American Express Travel Online.

  • As a Gold Rewards Cardmember, you can receive complimentary membership in Priority PassTM – one of the world’s largest independent airport lounge programs. Escape the chaos of airports and relax in an oasis of calm and simply enjoy the fact that the travel experience has begun before your plane has even left the ground. Enrollment is required and entry fees apply.

  • Enjoy four (4) complimentary visits per Calendar year to Plaza Premium Lounges across Canada. Entry fees apply once complimentary visits have been used.

  • Charge any eligible purchase to your credit Card then log in to redeem your earned points for a statement credit.

  • Transfer points 1:1 to several frequent flyer and other loyalty programs.

  • 1 Free Additional Gold Rewards Card (a $50 value) to help you earn points faster.

  • Subject to approval. The preferred rate for purchases is 21.99% and funds advances is 21.99%. If you have Missed Payments, the applicable rates for your account will be 25.99% and/or 28.99%. See the information box included with the application for the definition of Missed Payment and which rates apply to charges on your account and other details

  • American Express is not responsible for maintaining of monitoring the accuracy of information on this website. For full details and current product information click the Apply now link. Conditions apply.

  • To be eligible, you must have a Canadian credit file and be a Canadian resident of the age of majority in the province or territory where you live.

Best for: Luxury travel perks

The_Platinum_Card.avif

The Platinum Card® from American Express

5.0/5


Annual Fee

$799

Interest Rate

Varies

Intro offer

80,000 Points

Recommended credit score

700 - 900

Card details

2xPoints on eligible travel purchases.

2x Points on eligible purchases at gas stations in Canada.

2x on eligible purchases at grocery stores in Canada.

2x on eligible purchases at drugstores in Canada.

1x Point on purchases everywhere else.

 

 

  • Earn up to 60,000 Membership Rewards® points:

  • New American Express® Gold Rewards Cardmembers, earn 5,000 Membership Rewards® points for each monthly billing period in which you spend $1,000 in net purchases on your Card.

  • This could add up to 60,000 points in a year. That’s up to $600 towards your next vacation.

  • Earn 2 points for every $1 in Card purchases for eligible travel purchases, including flights, hotels, car rentals, cruises, and more.

  • Earn 2 points for every $1 in Card purchases at eligible gas stations, grocery stores and drugstores in Canada, and 1 point for every $1 in Card purchases everywhere else.

  • The Card is now available in your choice of Gold or Rose Gold metal options.

  • Receive a $50 CAD statement credit when a NEXUS application or renewal fee is charged to your American Express Gold Rewards Card.

  • You have access to an annual $100 CAD Travel Credit, compliments of your American Express Gold Rewards Card. Use the credit once annually towards any single travel booking of $100 or more charged to your Gold Rewards Card through American Express Travel Online.

  • As a Gold Rewards Cardmember, you can receive complimentary membership in Priority PassTM – one of the world’s largest independent airport lounge programs. Escape the chaos of airports and relax in an oasis of calm and simply enjoy the fact that the travel experience has begun before your plane has even left the ground. Enrollment is required and entry fees apply.

  • Enjoy four (4) complimentary visits per Calendar year to Plaza Premium Lounges across Canada. Entry fees apply once complimentary visits have been used.

  • Charge any eligible purchase to your credit Card then log in to redeem your earned points for a statement credit.

  • Transfer points 1:1 to several frequent flyer and other loyalty programs.

  • 1 Free Additional Gold Rewards Card (a $50 value) to help you earn points faster.

  • Subject to approval. The preferred rate for purchases is 21.99% and funds advances is 21.99%. If you have Missed Payments, the applicable rates for your account will be 25.99% and/or 28.99%. See the information box included with the application for the definition of Missed Payment and which rates apply to charges on your account and other details

  • American Express is not responsible for maintaining of monitoring the accuracy of information on this website. For full details and current product information click the Apply now link. Conditions apply.

  • To be eligible, you must have a Canadian credit file and be a Canadian resident of the age of majority in the province or territory where you live.

Best for: Families & households

The_Platinum_Card.avif

Blue Cash Preferred® Card from American Express

5.0 /5


Annual Fee

$0 intro annual fee for the first year, then $95.

Interest Rate

21.99%

Intro offer

$250

Recommended credit score

650 - 900

Card details

2xPoints on eligible travel purchases.

2x Points on eligible purchases at gas stations in Canada.

2x on eligible purchases at grocery stores in Canada.

2x on eligible purchases at drugstores in Canada.

1x Point on purchases everywhere else.

 

 

  • Earn up to 60,000 Membership Rewards® points:

  • New American Express® Gold Rewards Cardmembers, earn 5,000 Membership Rewards® points for each monthly billing period in which you spend $1,000 in net purchases on your Card.

  • This could add up to 60,000 points in a year. That’s up to $600 towards your next vacation.

  • Earn 2 points for every $1 in Card purchases for eligible travel purchases, including flights, hotels, car rentals, cruises, and more.

  • Earn 2 points for every $1 in Card purchases at eligible gas stations, grocery stores and drugstores in Canada, and 1 point for every $1 in Card purchases everywhere else.

  • The Card is now available in your choice of Gold or Rose Gold metal options.

  • Receive a $50 CAD statement credit when a NEXUS application or renewal fee is charged to your American Express Gold Rewards Card.

  • You have access to an annual $100 CAD Travel Credit, compliments of your American Express Gold Rewards Card. Use the credit once annually towards any single travel booking of $100 or more charged to your Gold Rewards Card through American Express Travel Online.

  • As a Gold Rewards Cardmember, you can receive complimentary membership in Priority PassTM – one of the world’s largest independent airport lounge programs. Escape the chaos of airports and relax in an oasis of calm and simply enjoy the fact that the travel experience has begun before your plane has even left the ground. Enrollment is required and entry fees apply.

  • Enjoy four (4) complimentary visits per Calendar year to Plaza Premium Lounges across Canada. Entry fees apply once complimentary visits have been used.

  • Charge any eligible purchase to your credit Card then log in to redeem your earned points for a statement credit.

  • Transfer points 1:1 to several frequent flyer and other loyalty programs.

  • 1 Free Additional Gold Rewards Card (a $50 value) to help you earn points faster.

  • Subject to approval. The preferred rate for purchases is 21.99% and funds advances is 21.99%. If you have Missed Payments, the applicable rates for your account will be 25.99% and/or 28.99%. See the information box included with the application for the definition of Missed Payment and which rates apply to charges on your account and other details

  • American Express is not responsible for maintaining of monitoring the accuracy of information on this website. For full details and current product information click the Apply now link. Conditions apply.

  • To be eligible, you must have a Canadian credit file and be a Canadian resident of the age of majority in the province or territory where you live.

Best for: Travel portal benefits

The_Platinum_Card.avif

Capital One Venture X Rewards Credit Card

Annual Fee

$395

Interest Rate

21.99%

Intro offer

75,000 Miles

Recommended credit score

650 - 900

Card details

2xPoints on eligible travel purchases.

2x Points on eligible purchases at gas stations in Canada.

2x on eligible purchases at grocery stores in Canada.

2x on eligible purchases at drugstores in Canada.

1x Point on purchases everywhere else.

 

 

  • Earn up to 60,000 Membership Rewards® points:

  • New American Express® Gold Rewards Cardmembers, earn 5,000 Membership Rewards® points for each monthly billing period in which you spend $1,000 in net purchases on your Card.

  • This could add up to 60,000 points in a year. That’s up to $600 towards your next vacation.

  • Earn 2 points for every $1 in Card purchases for eligible travel purchases, including flights, hotels, car rentals, cruises, and more.

  • Earn 2 points for every $1 in Card purchases at eligible gas stations, grocery stores and drugstores in Canada, and 1 point for every $1 in Card purchases everywhere else.

  • The Card is now available in your choice of Gold or Rose Gold metal options.

  • Receive a $50 CAD statement credit when a NEXUS application or renewal fee is charged to your American Express Gold Rewards Card.

  • You have access to an annual $100 CAD Travel Credit, compliments of your American Express Gold Rewards Card. Use the credit once annually towards any single travel booking of $100 or more charged to your Gold Rewards Card through American Express Travel Online.

  • As a Gold Rewards Cardmember, you can receive complimentary membership in Priority PassTM – one of the world’s largest independent airport lounge programs. Escape the chaos of airports and relax in an oasis of calm and simply enjoy the fact that the travel experience has begun before your plane has even left the ground. Enrollment is required and entry fees apply.

  • Enjoy four (4) complimentary visits per Calendar year to Plaza Premium Lounges across Canada. Entry fees apply once complimentary visits have been used.

  • Charge any eligible purchase to your credit Card then log in to redeem your earned points for a statement credit.

  • Transfer points 1:1 to several frequent flyer and other loyalty programs.

  • 1 Free Additional Gold Rewards Card (a $50 value) to help you earn points faster.

  • Subject to approval. The preferred rate for purchases is 21.99% and funds advances is 21.99%. If you have Missed Payments, the applicable rates for your account will be 25.99% and/or 28.99%. See the information box included with the application for the definition of Missed Payment and which rates apply to charges on your account and other details

  • American Express is not responsible for maintaining of monitoring the accuracy of information on this website. For full details and current product information click the Apply now link. Conditions apply.

  • To be eligible, you must have a Canadian credit file and be a Canadian resident of the age of majority in the province or territory where you live.

Best for: Food and entertainment

The_Platinum_Card.avif

Capital One Savor Student Cash Rewards Credit Card

Annual Fee

$0

Interest Rate

19.24% - 29.24%

Intro offer

$50

Recommended credit score

600-900

Card details

2xPoints on eligible travel purchases.

2x Points on eligible purchases at gas stations in Canada.

2x on eligible purchases at grocery stores in Canada.

2x on eligible purchases at drugstores in Canada.

1x Point on purchases everywhere else.

 

 

  • Earn up to 60,000 Membership Rewards® points:

  • New American Express® Gold Rewards Cardmembers, earn 5,000 Membership Rewards® points for each monthly billing period in which you spend $1,000 in net purchases on your Card.

  • This could add up to 60,000 points in a year. That’s up to $600 towards your next vacation.

  • Earn 2 points for every $1 in Card purchases for eligible travel purchases, including flights, hotels, car rentals, cruises, and more.

  • Earn 2 points for every $1 in Card purchases at eligible gas stations, grocery stores and drugstores in Canada, and 1 point for every $1 in Card purchases everywhere else.

  • The Card is now available in your choice of Gold or Rose Gold metal options.

  • Receive a $50 CAD statement credit when a NEXUS application or renewal fee is charged to your American Express Gold Rewards Card.

  • You have access to an annual $100 CAD Travel Credit, compliments of your American Express Gold Rewards Card. Use the credit once annually towards any single travel booking of $100 or more charged to your Gold Rewards Card through American Express Travel Online.

  • As a Gold Rewards Cardmember, you can receive complimentary membership in Priority PassTM – one of the world’s largest independent airport lounge programs. Escape the chaos of airports and relax in an oasis of calm and simply enjoy the fact that the travel experience has begun before your plane has even left the ground. Enrollment is required and entry fees apply.

  • Enjoy four (4) complimentary visits per Calendar year to Plaza Premium Lounges across Canada. Entry fees apply once complimentary visits have been used.

  • Charge any eligible purchase to your credit Card then log in to redeem your earned points for a statement credit.

  • Transfer points 1:1 to several frequent flyer and other loyalty programs.

  • 1 Free Additional Gold Rewards Card (a $50 value) to help you earn points faster.

  • Subject to approval. The preferred rate for purchases is 21.99% and funds advances is 21.99%. If you have Missed Payments, the applicable rates for your account will be 25.99% and/or 28.99%. See the information box included with the application for the definition of Missed Payment and which rates apply to charges on your account and other details

  • American Express is not responsible for maintaining of monitoring the accuracy of information on this website. For full details and current product information click the Apply now link. Conditions apply.

  • To be eligible, you must have a Canadian credit file and be a Canadian resident of the age of majority in the province or territory where you live.

Best for: Simple travel rewards

The_Platinum_Card.avif

Capital One Venture Rewards Credit Card

Annual Fee

$95

Interest Rate

19.99% -29.99%

Intro offer

75,000 Miles

Recommended credit score

650 - 900

Card details

2xPoints on eligible travel purchases.

2x Points on eligible purchases at gas stations in Canada.

2x on eligible purchases at grocery stores in Canada.

2x on eligible purchases at drugstores in Canada.

1x Point on purchases everywhere else.

 

 

  • Earn up to 60,000 Membership Rewards® points:

  • New American Express® Gold Rewards Cardmembers, earn 5,000 Membership Rewards® points for each monthly billing period in which you spend $1,000 in net purchases on your Card.

  • This could add up to 60,000 points in a year. That’s up to $600 towards your next vacation.

  • Earn 2 points for every $1 in Card purchases for eligible travel purchases, including flights, hotels, car rentals, cruises, and more.

  • Earn 2 points for every $1 in Card purchases at eligible gas stations, grocery stores and drugstores in Canada, and 1 point for every $1 in Card purchases everywhere else.

  • The Card is now available in your choice of Gold or Rose Gold metal options.

  • Receive a $50 CAD statement credit when a NEXUS application or renewal fee is charged to your American Express Gold Rewards Card.

  • You have access to an annual $100 CAD Travel Credit, compliments of your American Express Gold Rewards Card. Use the credit once annually towards any single travel booking of $100 or more charged to your Gold Rewards Card through American Express Travel Online.

  • As a Gold Rewards Cardmember, you can receive complimentary membership in Priority PassTM – one of the world’s largest independent airport lounge programs. Escape the chaos of airports and relax in an oasis of calm and simply enjoy the fact that the travel experience has begun before your plane has even left the ground. Enrollment is required and entry fees apply.

  • Enjoy four (4) complimentary visits per Calendar year to Plaza Premium Lounges across Canada. Entry fees apply once complimentary visits have been used.

  • Charge any eligible purchase to your credit Card then log in to redeem your earned points for a statement credit.

  • Transfer points 1:1 to several frequent flyer and other loyalty programs.

  • 1 Free Additional Gold Rewards Card (a $50 value) to help you earn points faster.

  • Subject to approval. The preferred rate for purchases is 21.99% and funds advances is 21.99%. If you have Missed Payments, the applicable rates for your account will be 25.99% and/or 28.99%. See the information box included with the application for the definition of Missed Payment and which rates apply to charges on your account and other details

  • American Express is not responsible for maintaining of monitoring the accuracy of information on this website. For full details and current product information click the Apply now link. Conditions apply.

  • To be eligible, you must have a Canadian credit file and be a Canadian resident of the age of majority in the province or territory where you live.

Best for: big sign-up bonus

The_Platinum_Card.avif

Chase Sapphire Preferred® Card

Annual Fee

$95

Interest Rate

20.49% - 27.49%

Intro offer

60,000 Points

Recommended credit score

700 - 900

Card details

2xPoints on eligible travel purchases.

2x Points on eligible purchases at gas stations in Canada.

2x on eligible purchases at grocery stores in Canada.

2x on eligible purchases at drugstores in Canada.

1x Point on purchases everywhere else.

 

 

  • Earn up to 60,000 Membership Rewards® points:

  • New American Express® Gold Rewards Cardmembers, earn 5,000 Membership Rewards® points for each monthly billing period in which you spend $1,000 in net purchases on your Card.

  • This could add up to 60,000 points in a year. That’s up to $600 towards your next vacation.

  • Earn 2 points for every $1 in Card purchases for eligible travel purchases, including flights, hotels, car rentals, cruises, and more.

  • Earn 2 points for every $1 in Card purchases at eligible gas stations, grocery stores and drugstores in Canada, and 1 point for every $1 in Card purchases everywhere else.

  • The Card is now available in your choice of Gold or Rose Gold metal options.

  • Receive a $50 CAD statement credit when a NEXUS application or renewal fee is charged to your American Express Gold Rewards Card.

  • You have access to an annual $100 CAD Travel Credit, compliments of your American Express Gold Rewards Card. Use the credit once annually towards any single travel booking of $100 or more charged to your Gold Rewards Card through American Express Travel Online.

  • As a Gold Rewards Cardmember, you can receive complimentary membership in Priority PassTM – one of the world’s largest independent airport lounge programs. Escape the chaos of airports and relax in an oasis of calm and simply enjoy the fact that the travel experience has begun before your plane has even left the ground. Enrollment is required and entry fees apply.

  • Enjoy four (4) complimentary visits per Calendar year to Plaza Premium Lounges across Canada. Entry fees apply once complimentary visits have been used.

  • Charge any eligible purchase to your credit Card then log in to redeem your earned points for a statement credit.

  • Transfer points 1:1 to several frequent flyer and other loyalty programs.

  • 1 Free Additional Gold Rewards Card (a $50 value) to help you earn points faster.

  • Subject to approval. The preferred rate for purchases is 21.99% and funds advances is 21.99%. If you have Missed Payments, the applicable rates for your account will be 25.99% and/or 28.99%. See the information box included with the application for the definition of Missed Payment and which rates apply to charges on your account and other details

  • American Express is not responsible for maintaining of monitoring the accuracy of information on this website. For full details and current product information click the Apply now link. Conditions apply.

  • To be eligible, you must have a Canadian credit file and be a Canadian resident of the age of majority in the province or territory where you live.

Best for: All-around cash back

The_Platinum_Card.avif

Chase Freedom Unlimited®

Annual Fee

$0

Interest Rate

18.99% - 28.49 %

Intro offer

$200

Recommended credit score

700 - 900

Card details

2xPoints on eligible travel purchases.

2x Points on eligible purchases at gas stations in Canada.

2x on eligible purchases at grocery stores in Canada.

2x on eligible purchases at drugstores in Canada.

1x Point on purchases everywhere else.

 

 

  • Earn up to 60,000 Membership Rewards® points:

  • New American Express® Gold Rewards Cardmembers, earn 5,000 Membership Rewards® points for each monthly billing period in which you spend $1,000 in net purchases on your Card.

  • This could add up to 60,000 points in a year. That’s up to $600 towards your next vacation.

  • Earn 2 points for every $1 in Card purchases for eligible travel purchases, including flights, hotels, car rentals, cruises, and more.

  • Earn 2 points for every $1 in Card purchases at eligible gas stations, grocery stores and drugstores in Canada, and 1 point for every $1 in Card purchases everywhere else.

  • The Card is now available in your choice of Gold or Rose Gold metal options.

  • Receive a $50 CAD statement credit when a NEXUS application or renewal fee is charged to your American Express Gold Rewards Card.

  • You have access to an annual $100 CAD Travel Credit, compliments of your American Express Gold Rewards Card. Use the credit once annually towards any single travel booking of $100 or more charged to your Gold Rewards Card through American Express Travel Online.

  • As a Gold Rewards Cardmember, you can receive complimentary membership in Priority PassTM – one of the world’s largest independent airport lounge programs. Escape the chaos of airports and relax in an oasis of calm and simply enjoy the fact that the travel experience has begun before your plane has even left the ground. Enrollment is required and entry fees apply.

  • Enjoy four (4) complimentary visits per Calendar year to Plaza Premium Lounges across Canada. Entry fees apply once complimentary visits have been used.

  • Charge any eligible purchase to your credit Card then log in to redeem your earned points for a statement credit.

  • Transfer points 1:1 to several frequent flyer and other loyalty programs.

  • 1 Free Additional Gold Rewards Card (a $50 value) to help you earn points faster.

  • Subject to approval. The preferred rate for purchases is 21.99% and funds advances is 21.99%. If you have Missed Payments, the applicable rates for your account will be 25.99% and/or 28.99%. See the information box included with the application for the definition of Missed Payment and which rates apply to charges on your account and other details

  • American Express is not responsible for maintaining of monitoring the accuracy of information on this website. For full details and current product information click the Apply now link. Conditions apply.

  • To be eligible, you must have a Canadian credit file and be a Canadian resident of the age of majority in the province or territory where you live.

Best for: Flat-rate cash back

The_Platinum_Card.avif

Wells Fargo Active Cash® Card

5.0/5


Annual Fee

$0

Interest Rate

19.24% - 29.24%

Intro offer

$200

Recommended credit score

600 - 900

Card details

2xPoints on eligible travel purchases.

2x Points on eligible purchases at gas stations in Canada.

2x on eligible purchases at grocery stores in Canada.

2x on eligible purchases at drugstores in Canada.

1x Point on purchases everywhere else.

 

 

  • Earn up to 60,000 Membership Rewards® points:

  • New American Express® Gold Rewards Cardmembers, earn 5,000 Membership Rewards® points for each monthly billing period in which you spend $1,000 in net purchases on your Card.

  • This could add up to 60,000 points in a year. That’s up to $600 towards your next vacation.

  • Earn 2 points for every $1 in Card purchases for eligible travel purchases, including flights, hotels, car rentals, cruises, and more.

  • Earn 2 points for every $1 in Card purchases at eligible gas stations, grocery stores and drugstores in Canada, and 1 point for every $1 in Card purchases everywhere else.

  • The Card is now available in your choice of Gold or Rose Gold metal options.

  • Receive a $50 CAD statement credit when a NEXUS application or renewal fee is charged to your American Express Gold Rewards Card.

  • You have access to an annual $100 CAD Travel Credit, compliments of your American Express Gold Rewards Card. Use the credit once annually towards any single travel booking of $100 or more charged to your Gold Rewards Card through American Express Travel Online.

  • As a Gold Rewards Cardmember, you can receive complimentary membership in Priority PassTM – one of the world’s largest independent airport lounge programs. Escape the chaos of airports and relax in an oasis of calm and simply enjoy the fact that the travel experience has begun before your plane has even left the ground. Enrollment is required and entry fees apply.

  • Enjoy four (4) complimentary visits per Calendar year to Plaza Premium Lounges across Canada. Entry fees apply once complimentary visits have been used.

  • Charge any eligible purchase to your credit Card then log in to redeem your earned points for a statement credit.

  • Transfer points 1:1 to several frequent flyer and other loyalty programs.

  • 1 Free Additional Gold Rewards Card (a $50 value) to help you earn points faster.

  • Subject to approval. The preferred rate for purchases is 21.99% and funds advances is 21.99%. If you have Missed Payments, the applicable rates for your account will be 25.99% and/or 28.99%. See the information box included with the application for the definition of Missed Payment and which rates apply to charges on your account and other details

  • American Express is not responsible for maintaining of monitoring the accuracy of information on this website. For full details and current product information click the Apply now link. Conditions apply.

  • To be eligible, you must have a Canadian credit file and be a Canadian resident of the age of majority in the province or territory where you live.

Best for: No late fees

The_Platinum_Card.avif

Citi Simplicity® Card

Annual Fee

$0

Interest Rate

0%

Intro offer

N/A

Recommended credit score

600 - 900

Card details

2xPoints on eligible travel purchases.

2x Points on eligible purchases at gas stations in Canada.

2x on eligible purchases at grocery stores in Canada.

2x on eligible purchases at drugstores in Canada.

1x Point on purchases everywhere else.

 

 

  • Earn up to 60,000 Membership Rewards® points:

  • New American Express® Gold Rewards Cardmembers, earn 5,000 Membership Rewards® points for each monthly billing period in which you spend $1,000 in net purchases on your Card.

  • This could add up to 60,000 points in a year. That’s up to $600 towards your next vacation.

  • Earn 2 points for every $1 in Card purchases for eligible travel purchases, including flights, hotels, car rentals, cruises, and more.

  • Earn 2 points for every $1 in Card purchases at eligible gas stations, grocery stores and drugstores in Canada, and 1 point for every $1 in Card purchases everywhere else.

  • The Card is now available in your choice of Gold or Rose Gold metal options.

  • Receive a $50 CAD statement credit when a NEXUS application or renewal fee is charged to your American Express Gold Rewards Card.

  • You have access to an annual $100 CAD Travel Credit, compliments of your American Express Gold Rewards Card. Use the credit once annually towards any single travel booking of $100 or more charged to your Gold Rewards Card through American Express Travel Online.

  • As a Gold Rewards Cardmember, you can receive complimentary membership in Priority PassTM – one of the world’s largest independent airport lounge programs. Escape the chaos of airports and relax in an oasis of calm and simply enjoy the fact that the travel experience has begun before your plane has even left the ground. Enrollment is required and entry fees apply.

  • Enjoy four (4) complimentary visits per Calendar year to Plaza Premium Lounges across Canada. Entry fees apply once complimentary visits have been used.

  • Charge any eligible purchase to your credit Card then log in to redeem your earned points for a statement credit.

  • Transfer points 1:1 to several frequent flyer and other loyalty programs.

  • 1 Free Additional Gold Rewards Card (a $50 value) to help you earn points faster.

  • Subject to approval. The preferred rate for purchases is 21.99% and funds advances is 21.99%. If you have Missed Payments, the applicable rates for your account will be 25.99% and/or 28.99%. See the information box included with the application for the definition of Missed Payment and which rates apply to charges on your account and other details

  • American Express is not responsible for maintaining of monitoring the accuracy of information on this website. For full details and current product information click the Apply now link. Conditions apply.

  • To be eligible, you must have a Canadian credit file and be a Canadian resident of the age of majority in the province or territory where you live.

Best for: Longest intro APR period

The_Platinum_Card.avif

Wells Fargo Reflect® Card

Annual Fee

$0

Interest Rate

18.24% - 29.99%

Intro offer

N/A

Recommended credit score

600 - 900

Card details

2xPoints on eligible travel purchases.

2x Points on eligible purchases at gas stations in Canada.

2x on eligible purchases at grocery stores in Canada.

2x on eligible purchases at drugstores in Canada.

1x Point on purchases everywhere else.

 

 

  • Earn up to 60,000 Membership Rewards® points:

  • New American Express® Gold Rewards Cardmembers, earn 5,000 Membership Rewards® points for each monthly billing period in which you spend $1,000 in net purchases on your Card.

  • This could add up to 60,000 points in a year. That’s up to $600 towards your next vacation.

  • Earn 2 points for every $1 in Card purchases for eligible travel purchases, including flights, hotels, car rentals, cruises, and more.

  • Earn 2 points for every $1 in Card purchases at eligible gas stations, grocery stores and drugstores in Canada, and 1 point for every $1 in Card purchases everywhere else.

  • The Card is now available in your choice of Gold or Rose Gold metal options.

  • Receive a $50 CAD statement credit when a NEXUS application or renewal fee is charged to your American Express Gold Rewards Card.

  • You have access to an annual $100 CAD Travel Credit, compliments of your American Express Gold Rewards Card. Use the credit once annually towards any single travel booking of $100 or more charged to your Gold Rewards Card through American Express Travel Online.

  • As a Gold Rewards Cardmember, you can receive complimentary membership in Priority PassTM – one of the world’s largest independent airport lounge programs. Escape the chaos of airports and relax in an oasis of calm and simply enjoy the fact that the travel experience has begun before your plane has even left the ground. Enrollment is required and entry fees apply.

  • Enjoy four (4) complimentary visits per Calendar year to Plaza Premium Lounges across Canada. Entry fees apply once complimentary visits have been used.

  • Charge any eligible purchase to your credit Card then log in to redeem your earned points for a statement credit.

  • Transfer points 1:1 to several frequent flyer and other loyalty programs.

  • 1 Free Additional Gold Rewards Card (a $50 value) to help you earn points faster.

  • Subject to approval. The preferred rate for purchases is 21.99% and funds advances is 21.99%. If you have Missed Payments, the applicable rates for your account will be 25.99% and/or 28.99%. See the information box included with the application for the definition of Missed Payment and which rates apply to charges on your account and other details

  • American Express is not responsible for maintaining of monitoring the accuracy of information on this website. For full details and current product information click the Apply now link. Conditions apply.

  • To be eligible, you must have a Canadian credit file and be a Canadian resident of the age of majority in the province or territory where you live.

Best for: Long intro period

The_Platinum_Card.avif

Discover it® Cash Back - 18 Month Intro Balance Transfer Offer

4.9/5


Annual Fee

$0

Interest Rate

18.24 % - 27.24%

Intro offer

Cashback Match

Recommended credit score

700 - 900

Card details

2xPoints on eligible travel purchases.

2x Points on eligible purchases at gas stations in Canada.

2x on eligible purchases at grocery stores in Canada.

2x on eligible purchases at drugstores in Canada.

1x Point on purchases everywhere else.

 

 

  • Earn up to 60,000 Membership Rewards® points:

  • New American Express® Gold Rewards Cardmembers, earn 5,000 Membership Rewards® points for each monthly billing period in which you spend $1,000 in net purchases on your Card.

  • This could add up to 60,000 points in a year. That’s up to $600 towards your next vacation.

  • Earn 2 points for every $1 in Card purchases for eligible travel purchases, including flights, hotels, car rentals, cruises, and more.

  • Earn 2 points for every $1 in Card purchases at eligible gas stations, grocery stores and drugstores in Canada, and 1 point for every $1 in Card purchases everywhere else.

  • The Card is now available in your choice of Gold or Rose Gold metal options.

  • Receive a $50 CAD statement credit when a NEXUS application or renewal fee is charged to your American Express Gold Rewards Card.

  • You have access to an annual $100 CAD Travel Credit, compliments of your American Express Gold Rewards Card. Use the credit once annually towards any single travel booking of $100 or more charged to your Gold Rewards Card through American Express Travel Online.

  • As a Gold Rewards Cardmember, you can receive complimentary membership in Priority PassTM – one of the world’s largest independent airport lounge programs. Escape the chaos of airports and relax in an oasis of calm and simply enjoy the fact that the travel experience has begun before your plane has even left the ground. Enrollment is required and entry fees apply.

  • Enjoy four (4) complimentary visits per Calendar year to Plaza Premium Lounges across Canada. Entry fees apply once complimentary visits have been used.

  • Charge any eligible purchase to your credit Card then log in to redeem your earned points for a statement credit.

  • Transfer points 1:1 to several frequent flyer and other loyalty programs.

  • 1 Free Additional Gold Rewards Card (a $50 value) to help you earn points faster.

  • Subject to approval. The preferred rate for purchases is 21.99% and funds advances is 21.99%. If you have Missed Payments, the applicable rates for your account will be 25.99% and/or 28.99%. See the information box included with the application for the definition of Missed Payment and which rates apply to charges on your account and other details

  • American Express is not responsible for maintaining of monitoring the accuracy of information on this website. For full details and current product information click the Apply now link. Conditions apply.

  • To be eligible, you must have a Canadian credit file and be a Canadian resident of the age of majority in the province or territory where you live.

Best Rewards Back Card

Chase Freedom Unlimited®

  • Affiliate Compensation: Often $200–$400+ per approved sign-up (through major affiliate networks like CJ, FlexOffers, or Impact)

  • High Conversion Rate: One of the most popular no-annual-fee cards

  • Very Attractive Rewards:

    • 5% on travel through Chase Ultimate Rewards

    • 3% on dining and drugstores

    • 1.5% on all other purchases (higher than the standard 1%)

    • $200 sign-up bonus after spending $500 in the first 3 months

  • No annual fee

  • Backed by a strong brand (Chase), which builds trust and increases conversion

The_Platinum_Card.avif

5.0/5


60,000 Points

21.99%

American Express® Gold Rewards Card

The_Platinum_Card.avif

5.0/5


80,000 Points

Varies

The Platinum Card® from American Express

The_Platinum_Card.avif

5.0 /5


$250

21.99%

Blue Cash Preferred® Card from American Express

The_Platinum_Card.avif

75,000 Miles

21.99%

Capital One Venture X Rewards Credit Card

The_Platinum_Card.avif

$50

19.24% - 29.24%

Capital One Savor Student Cash Rewards Credit Card

The_Platinum_Card.avif

75,000 Miles

19.99% -29.99%

Capital One Venture Rewards Credit Card

The_Platinum_Card.avif

60,000 Points

20.49% - 27.49%

Chase Sapphire Preferred® Card

The_Platinum_Card.avif

$200

18.99% - 28.49 %

Chase Freedom Unlimited®

The_Platinum_Card.avif

5.0/5


$200

19.24% - 29.24%

Wells Fargo Active Cash® Card

The_Platinum_Card.avif

N/A

0%

Citi Simplicity® Card

The_Platinum_Card.avif

N/A

18.24% - 29.99%

Wells Fargo Reflect® Card

The_Platinum_Card.avif

4.9/5


Cashback Match

18.24 % - 27.24%

Discover it® Cash Back - 18 Month Intro Balance Transfer Offer

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