25 Best Credit Cards in Canada for September 2023

• Low interest rates, no foreign transaction fees, and an impressive insurance package that includes comprehensive travel insurance coverage and newly-added mobile device insurance.
• Luxury travel privileges include 10 free VIP airport lounge visits per year with a complimentary Priority Pass membership.

• The $399 annual fee is quite a bit higher than other rewards cards, but frequent travellers seeking a low rate on purchases and cash advances can easily make the yearly cost worthwhile.

• Earn up to $2,100* in value in your first 14 months, including up to 60,000* bonus Scene+ points. Offer ends October 31, 2023.
• You will not pay 2.5% foreign transaction fees on any foreign currency purchases, including online shopping and when travelling abroad. Only the exchange rate applies.
• Earn 2X Scene+™ points for every $1 CAD you spend on all your eligible purchases.
• Scene+ points can be redeemed for travel purchase, merchandise and other non-travel rewards such as gift cards and prepaid cards.
• You must redeem a minimum of 5,000 points per travel-related rewards redemption, equivalent to $50 in travel savings. Points must be redeemed within 12 months of the purchase date.
• $399 annual fee.
• Redeem points for any flight, any time through Scene+ Travel, a full-service travel agency. Plus, take advantage of a best price guarantee on airfare.
• Get a Hertz #1 Club Gold membership for special privileges and rental car benefits at over 8,500 locations in 147 countries.
• Enjoy culinary events and experiences, entertainment, luxury fashion, tours, and more through American Express benefits, including American Express Invites, Platinum VIP offers and access to 24/7 premium concierge services for restaurant reservations, show tickets, and gift purchases.
• Lounge access at over 600 VIP airport lounges around the world with a complimentary Priority Pass membership, which includes 10 free visits per year.
• 12 types of insurance provided, including 31-day travel medical benefits — up to $2 million in coverage — for you, your spouse and any dependent children under the age of 65. 10-day coverage available for those over the age of 65.
• Preferred rates: 9.99% for purchases, 9.99% for cash advances.
• 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.
• Terms and Conditions Apply. Click ‘Apply Now’ for complete details.

A travel rewards credit card brings your next trip a little closer every time you use it. Whether you’re loyal to a specific airline or hotel chain and want a co-branded card, or prefer the flexibility of a general-purpose travel card, check out our choices for the best travel credit cards in Canada.

• It’s rare for a credit card to offer 4% cash back on two major spending categories. It’s even rarer to set a $25,000 annual limit to that 4% — a $1,000 value — before reverting to the healthy 1% base rate.
• You can waive the $120 annual fee every single year by using the Scotiabank Ultimate Package.

• The cash back earned is hands-off. You have to wait until November, and then it’s only redeemable as a statement credit. If you have a Scotiabank account, that annual payout can be deposited into your bank account.
• The 4% rate won’t mean much to you if you don’t buy a lot of groceries or often buy your food at somewhere that Visa doesn’t classify as a grocery store or supermarket, such as Canadian Tire, FreshCo, London Drugs, Walmart and No Frills.

• SPECIAL OFFER: Earn 10% cash back on all purchases for the first 3 months (up to $2,000 in total purchases). No annual fee in the first year, including on supplementary cards. Offer ends October 31, 2023.
• Earn 4% for every $1 you spend on grocery store purchases, recurring bill payments, and subscription purchases.
• Earn 2% for every $1 you spend on gas purchases and daily transit purchases.
• Earn 1% cash back on all other purchases with no cash back limit.
• Redeem cash back as a statement credit in November.
• Visa Infinite benefits, including Visa Infinite* Concierge, Visa Infinite* Luxury Hotel Collection, Visa Infinite* Dining Series, and entertainment and lifestyle offers.
• Save up to 25% off base rates at participating AVIS locations and at participating Budget locations in Canada and the U.S.
• Access to Scotia SelectPay™.
• To be eligible, $60,000 (individual) or $100,000 (household) annual income is required, or $250,000 minimum assets under management. Also, you must have a Canadian credit file and be a Canadian resident that is the age of majority in the province or territory where you live.
• Terms and Conditions Apply. Click ‘Apply Now’ for complete details.

Cash back is the most flexible of all credit card rewards — it’s simple to earn and even easier to redeem. See our selections for the best cash-back credit cards to find the right option for you.

• The generous welcome offer and 1,000-point monthly spend bonus should be attainable for many businesses.
• A healthy earn rate on several everyday business purchases, like office supplies, electronics and gas.
• Ability to add up to 99 supplementary cards — and up to $100,000 in coverage in case of employee misuse.

• Not all retailers accept American Express.
• Because of the relatively low spending limits associated with the 10x and 3x earn rates, the increased rewards may not be in effect for long for some businesses.
• Limited insurance coverage included.

• Earn up to 67,000 welcome bonus Membership Rewards® points.
• Earn 45,000 Welcome Bonus points when you charge $5,000 in purchases to your Card in your first three months of Cardmembership.
• Plus, earn 10x the points for every $1 spent on eligible business essentials including office supplies & electronics, rides & gas, eats & drinks within 6 months of Cardmembership, up to a maximum of 10,000.
• 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.
• That’s $670 in statement credits that can be reinvested in your business.
• Earn points that you can redeem in a variety of ways.
• Earn 3x the points for Card purchases on eligible business essentials including office supplies & electronics, rides & gas, eats & drinks when your Welcome Offer ends. Caps and other conditions may apply.
• Earn 1x the points on all other purchases charged to the Card.
• Use points to offset business expenses. Membership Rewards® allows you to offset business expenses by covering the cost of purchases made on your Card, in full or in part. Redeem points for statement credits and to book flights, hotels, and car rentals.
• Transfer points to frequent flyer and hotel programs, including one-to-one to Aeroplan®* and Avios.
• Make the most out of a full 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.
• Employee Card Misuse Protection is a benefit created specifically for business owners and it provides coverage of up to $100,000 per Basic Cardmember in the event an employee misuses their Supplementary Card for unauthorized charges.
• Access coverage that can protect your business purchases when you charge the full price of eligible items to your American Express Business Edge™ Card.
• Protect your eligible purchases against accidental physical damage and theft for up to 90 days with Purchase Protection® Plan.
• Double the manufacturer’s original warranty up to one additional year with Buyer’s Assurance® Protection Plan.
• 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.

From flat-rate rewards on office expenses to credit cards boasting low-interest rates, see our choices for Canada’s best business credit cards.

• Earn flexible and easy-to-redeem cash rewards on everyday purchases.
• There’s no minimum threshold for redeeming your cash-back rewards. Redeem as little as $1 if you want.

• Accelerated earn rates for groceries and recurring bills are capped at $500 per billing cycle.
• Insurance is limited to extended warranty and purchase protection.

• Welcome offer: Get 5% cash back in your first 3 months.*
• Then get 3% cash back on grocery purchases, 1% cash back on recurring bill payments and 0.5% unlimited cash back on all other purchases!*
• Now earn the highest cash back on groceries in Canada without paying an annual fee!†
• Get cash back every time you spend, plus start building a healthy credit history.
• Want to get your cash back ASAP? Now you can redeem your cash back anytime through direct deposit, as a credit on your statement or into your BMO InvestorLine account.*
• No Annual fee.*
• Extended Warranty.*
• Purchase Protection.*
• Receive a discount on car rentals.*
• *Terms and conditions apply.
• †Statement based on a comparison of the non-promotional grocery rewards earn rate on Canadian cash back credit cards as of January 4, 2023.
• BMO is not responsible for maintaining the content on this site. Please click on the Apply now link for the most up to date information.

Finding a student credit card with the right combination of features for your lifestyle can be daunting, especially if it’s your first time choosing a card. Compare our picks for the best student credit cards in Canada to find the best choice for you.

• Annual fee waived for the first year.
• Flexible rewards program.
• Airport lounge access and additional travel perks.

• $139 annual fee.

• Intro offer: Earn up to 35,000 Aventura Points (up to $800 in value) during your first year. Receive 20,000 Aventura Points when you make your first purchase, and an additional 15,000 Aventura Points when you spend $1,000 each monthly statement or more during the first year.
• Get a one-time annual fee rebate ($139) for you (the primary cardholder) and up to three authorized users ($50 each): over $189 value.
• Enjoy a Priority Pass Membership and 4 complimentary visits per year at 1,300+ airport lounges: over $200 value.
• Plus, get a NEXUS Application Fee rebate: a $50 value.
• Offer applies to newly approved card accounts only.
• 2x for every $1 spent on travel purchased through the CIBC Rewards Centre.
• 1.5x on for every $1 spent at eligible gas stations, electric vehicle charging stations, grocery stores and drug stores, up to $80,000 annual spend.
• 1x for every $1 spent on all other purchases.
• 1x for every $4.00 spent on a CIBC Global Money Transfer, through June 30, 2022.
• Redeem points for airline tickets, merchandise, gift cards and more.
• Apply points to your CIBC Aventura card balance or select CIBC financial products.
• $139 annual fee.
• Access to more than 1,300 airport lounges across the globe. Priority Pass membership with 4 complimentary lounge visits a year. Zip in and out of the country with a rebate on one NEXUS™ application fee every 4 years.
• Fly any airline with points that don’t expire.
• Use Aventura Points to cover full airfare including taxes and fees.
• Link your Journie Rewards card to save on every fill-up at participating Pioneer, Fas Gas, Ultramar and Chevron gas stationsabout the features of this card.
• Visa’s Zero Liability Policy and Fraud Alerts.
• Valuable insurance included: Out-of-Province Emergency Travel Medical Insurance, Flight Delay and Baggage Insurance, Auto Rental Collision and Loss Damage Insurance, $500,000 Common Carrier Accident Insurance, Purchase Security and Extended Protection Insurance, Hotel Burglary Insurance and Mobile Device Insurance.
• Access to installment plans through CIBC Pace It.
• Preferred rates: 20.99% for purchases, and 22.99% for cash advances (21.99% for Quebec residents).
• To be eligible, a $15,000 individual annual income is required and you must be a Canadian resident that has reached the age of majority in your province.

No single rewards card is right for everyone. It’s all about how you spend money and what kind of rewards you value. See our choices for the best rewards credit cards in Canada to select the best option for you.

• Interest-free balance transfers for a full year.
• Save money while building credit with the no-fee credit card.

• Higher interest rate compared to the 8.99% offered on the MBNA True Line® Gold Mastercard®, which charges an annual fee.
• Few extra benefits and no rewards program.

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

Looking to reduce and contain your credit card debt? Explore our choices for Canada’s best balance transfer credit cards to find promotional offers with impressively-low interest rates.

• New cardmembers can earn a 9.99% introductory annual interest on purchases for the first six months.

• The 0.5% base rate isn’t exactly impressive, but it only applies after you hit the annual spending limits of bonus categories.
• It only includes purchase security and extended protection insurance.

• 4% on restaurant, bar and coffee shops, up to $5,000 per year.
• 1.5% on gas, groceries, drugstores and pre-authorized payments, up to $15,000 per year.
• 0.5% on everything else.
• Plus, for your first 3 months, enjoy 20% bonus cash back on eligible gas, groceries, drugstore purchases and pre-authorized payments (up to $500 spend).
• Redeem cash back as a statement credit in December.
• No annual fee.
• Cash back when you send money abroad with a Simplii Financial Global Money Transfer. No transaction fees and no interest charges.
• Purchase security and extended protection insurance provided.
• Preferred rates: 19.99% for purchases, 22.99% for cash advances.
• To be eligible, a $15,000 (individual) annual income is required. Also, you must have a Canadian credit file and be a Canadian resident (excluding Quebec) that is the age of majority in the province or territory where you live.

You don’t need to pay an annual fee for impressive rewards and perks. See our selections for Canada’s best no-fee credit cards.

• Earn unlimited 3x on a variety of common spending categories, like groceries, gas, food delivery, and even digital gaming.
• Get a monthly fee rebate every month when you have an RBC Signature No Limit Banking or RBC Advantage Banking for students account.

• Limited insurance offerings, but mobile device insurance is included.

• Get 12,000 Avion welcome points upon approval¹ – that’s $80 of value in gift cards+, Apply by October 31, 2023.^
• Earn 3X Avion points for every $1 spent¹ on:
• Grocery, Dining & Food Delivery – Satisfy your taste buds by earning points on groceries, dining out, food delivery.ⁱ
• Rides, Gas & EV Charging – Enjoy earning points on gas, rideshare, daily public transit, electric vehicle charging.ⁱⁱ
• Streaming, Digital Gaming & Subscriptions– Stay entertained while earning points on streaming, gaming, eligible digital subscriptions, eligible digital downloads, and in-game purchases.ⁱⁱⁱ
• Earn 1 Avion point for every $1 spent on all other qualifying purchases.¹
• Annual Fee $48² ($4 charged monthly).
• Pay With Points – Redeem your Avion points to pay bills, your credit card balance or even send money to friends with Interac e-Transfer⁴. Minimum redemption is only $10, so you can use your points where you need them most.
• Save at Petro-Canada – Save 3¢/L on fuel and earn 20% more points when you pay with a linked RBC card.⁶
• Earn more Be Well points at Rexall – Earn 50 Be Well points for every $1 spent on eligible purchases at Rexall when you pay with your linked RBC card and scan your Be Well card.⁷
• Save Big on Delivery with DoorDash – Get a 3-month complimentary DashPass subscription – a value of almost $308. Enjoy unlimited deliveries with $0 delivery fees on qualifying orders of $15 or more when you pay with your eligible RBC credit card⁹. See how to save with DoorDash.
• Enjoy a Monthly Fee Rebate – Get a $4 rebate¹⁰ each month ($48/year) on the monthly fee of your credit card when you have an RBC Signature No Limit Banking or RBC Advantage Banking for students account.
• Mobile Device Insurance⁵ Included – Get 2 years of coverage up to $1,000 in the event your mobile device such as your cell phone is lost, stolen, accidentally damaged or experiences mechanical failure when you purchase your mobile device with this credit card.
• Purchase Security and Extended Warranty Insurance⁵ – Automatically protects eligible card purchases against loss, theft or damage within 90 days of purchase, and doubles the manufacturer’s original Canadian warranty by up to one additional year, to a maximum of five years.
• Corresponding legal references and product terms are available on the RBC website, which will be available and agreed upon in the customer onboarding process.

• An app that tracks your spending, helps with budgeting, offers free financial coaching, and the ability to earn up to 4.50% interest on your entire account.
• Access to a credit building service that reports your payments for only $7 per month — a rare feature for a prepaid card.

• KOHO is a tech-focused company, so if you’re uncomfortable with digital banking, it may not be the right choice.
• KOHO isn’t a credit card, which means you can’t borrow any money. You can only access the funds already in your account.

• Up to 6% extra cash back when shop with partnered merchants.
• 2% cash back on groceries, transportation, eating & drinking.
• 0.5% cash back on all purchases.
• Cash back is instantly added to your KOHO Savings account.
• $9 monthly fee/$84 annual fee, + a 30-day free trial.
• No foreign exchange fees.
• 1 free international ATM withdrawal per month.
• Subscribe to Credit Building for $10/month in-app.
• Earn 2% interest on all balances (no minimum deposit requirement).
• To be eligible, you must be a Canadian resident of the age of majority in the province or territory where you live.

There are many different reloadable cards on the market, offering different perks and conveniences. See our selections for Canada’s best prepaid credit cards.

• Low interest rate.
• Payments are reported to both credit bureaus.

• You’ll need to budget for the annual fee.
• No ability to earn rewards on purchases.

• $59 annual fee.
• No fee option available with a higher interest rate.
• $500 minimum security fund deposit required.
• $10,000 maximum security fund deposit.
• Hard credit checks are made on Home Trust Secured Visa applications.
• Credit activity, including every payment, is reported to TransUnion and Equifax, the two major consumer credit bureaus in Canada.
• Ability to upgrade to an unsecured credit card.
• Manage your account and billing with online banking.
• Cardholders can choose between a card with no annual fee and 19.99% interest or an annual fee of $59 and 14.90% interest.
• Protection against fraud through Visa’s Zero Liability Policy.
• Preferred rates: 14.90% for purchases, 19.80% for cash advances.
• To be eligible, you must have a source of income and cannot currently be in bankruptcy. You must be able to provide security funds and be a Canadian resident of the age of majority in the province or territory where you live. The Home Trust Secured Visa Card is not available to Québec residents.

Whether you want to build your credit or a controlled way to ease into the world of credit card use, secured cards can help. See our selections for the best secured credit cards in Canada.

• Strong earn rates with unlimited rewards.
• Air Canada airport benefits, like Maple Leaf Lounge access, a free checked bag, Priority Airport Check-In, Priority Boarding for you and up to eight travel companions.

• A high $599 annual fee.
• The highest earn rate only applies to Air Canada travel purchases, so this card might not be a good fit if you prefer another airline.

• New American Express® Aeroplan®* Reserve Cardmembers can earn up to 90,000 Aeroplan points:
• Earn 5,000 Aeroplan points for each Additional Aeroplan®* Reserve Card with an annual fee added to your account at time of application, up to a maximum of 2 approved Additional Cards. That could add up to 10,000 Aeroplan points
• Plus, earn 7,500 Aeroplan points for each monthly billing period in which you spend $2,000 in net purchases on your Card for the first 6 months of Cardmembership. That could add up to 45,000 Aeroplan points
• You can also earn 35,000 Aeroplan points when you spend $6,000 in net purchases between 13 and 16 months of Cardmembership
• That’s up to $2,700 or more in value when you combine your welcome bonus points and card benefits.
• Receive up to $100 CAD in statement credits every four years when a NEXUS application or renewal fee is charged to your American Express Aeroplan Reserve Card.
• Highest Air Canada earn rate on an Aeroplan payment card in Canada: Earn 3X the points on eligible purchases made directly with Air Canada®* and Air Canada Vacations®*.
• Standard Earn Rate: Earn 2X the points on eligible Dining and Food Delivery purchases in Canada.
• Earn 2X the points on eligible purchases with Rocky Mountaineer®**. Plus, you could receive a Complimentary Hotel Room Category Upgrade, on the first and last night, and a Complimentary Upgrade from SilverLeaf to GoldLeaf class of service when you book directly with Rocky Mountaineer using your Aeroplan Reserve Card.
• Standard Earn Rate: Earn 1.25X the points on everything else.
• Get through the airport quicker with Air Canada Priority Check-In, Air Canada Priority Boarding and Air Canada Priority Baggage Handling.
• Receive one Annual Worldwide Companion Pass when you spend $25,000 in net purchases prior to your Card anniversary date; your Pass entitles you to buy an accompanying Air Canada economy class ticket for a companion at a fixed base fare from $99 to a maximum of $599 CAD (plus taxes, fees, charges, and surcharges).
• Enjoy access to select Air Canada Maple Leaf Lounges™* and Air Canada Café™ in North America for you and a guest, with a same day ticket on a departing Air Canada or Star Alliance flight.
• Enjoy your eligible first checked bag free for up to 9 people travelling on the same reservation on Air Canada flights.
• Roll over any unallocated Aeroplan Elite™* Status Qualifying Miles and unused eUpgrade Credits to the following year to enjoy during your travels.
• American Express® Experiences opens doors for you to access a number of special events, including special dining experiences, VIP parties, advance film screenings and more.
• Get more from your travel experience at Toronto Pearson International Airport with:
• Access to Pearson Priority Security Lane.
• Complimentary valet service at the Express Park and Daily Park.
• 15% discount on parking rates at the Express Park and Daily Park.
• 15% discount on Car Care Services.
• Get access to more than 1,200 Priority Pass™ airport lounges and enjoy an oasis of comfort before your flight, regardless of your airline or cabin class.
• Insurance Coverage: whether you’re shopping nearby or travelling abroad, you can feel confident knowing you can be taken care of
• American Express® Aeroplan®* Reserve Card is made from precision cut and engraved 13 g metal – it’s the perfect companion on your next exceptional journey
• 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.

When it comes to style and sophisticated perks, metal credit cards are heavy hitters. See our selections for the best metal credit cards in Canada.

• Accelerated rewards rates on everyday business spending, including gas, office supplies, cell phone and internet bill payments.
• Travel insurance coverage that includes trip cancellation, trip interruption, baggage delay, and more.
• Free Maple virtual care visits.

• Limited airport lounge access.
• $50 price for each employee card.

• Get up to 50,000 points when you spend $5,000 in the first three months and an additional 20,000 points when you spend $35,000 in the first twelve months.
• Take advantage of a 0.00% introductory interest rate on balance transfers for nine months with a 3% transfer fee.
• Earn 4 points for every $1 you spend on gas, office supplies, cell phone and internet bill payments, up to a $50,000 annual spending limit.
• Earn 1.5 points for every $1 you spend on all other card purchases, including category spending in excess of the annual limit.
• Redeem reward points for travel, office supplies and gifts for employees, as well as to pay for recent purchases, make cash deposits into your BMO investment account, and more.
• Get up to 22 additional cards so employees can easily make purchases on behalf of your business and help you earn points faster.
• Get protection against employee card abuse with the Liability Waiver Program.
• Enjoy two free airport lounge passes a year with a complimentary membership to Mastercard Travel Pass provided by DragonPass.
• Get automatic rebates of 1%-25% when you shop at qualifying merchants with Mastercard Easy Savings.
• Receive travel protection when you use your Mastercard to book travel arrangements. Coverage includes trip cancellation/trip interruption insurance, baggage delay insurance, a car rental collision damage waiver and more.
• Get 90-day purchase protection and extended warranty protection of up to one additional year on items you charge to the card.
• Access on-demand health care with five free virtual care visits on Maple shared by you and your family members.

• No foreign exchange fee on any foreign currency purchases while travelling abroad or shopping online — you just have to pay the exchange rate.

• The bonus rewards rates drop down to the 1x flat rate after a $50,000 annual spend. This sounds like a lot, but much of your daily spending is probably included in the six bonus categories, so you might hit the limit faster than you’d think.

• Earn up to $650* in value in the first 12 months, including up to 40,000 bonus Scene+ points. NEW OFFER May 1, 2023 – October 31, 2023.
• You will not pay 2.5% foreign transaction fees on any foreign currency purchases, including online shopping and when travelling abroad. Only the exchange rate applies.
• Earn 5X Scene+ points for every $1 CAD spent on eligible grocery stores, restaurants, fast food, and drinking establishments. Includes popular food delivery and food subscriptions.
• Earn 5X Scene+ points for every $1 CAD spent on eligible entertainment purchases. Includes movies, theatre, and ticket agencies.
• Earn 3X Scene+ points for every $1 CAD spent on eligible gas and daily transit. Includes rideshare, buses, taxis, subway, and more.
• Earn 1X Scene+ point for every $1 spent on every other purchase.
• You’ll earn 6X Scene+ points for each $1 CAD charged to your account on all eligible purchases¹ at Sobeys, IGA, Safeway, Foodland, FreshCo, Voilà by Sobeys, Voilà by IGA, Voilà by Safeway, Chalo! FreshCo, Thrifty Foods, IGA West, Les Marchés Tradition, Rachelle Béry and Co-Op.
• Discounted Priority Pass™ membership, which grants you access to over 1200 VIP lounges around the world.
• Score deals on shopping, dining, travel and more with Amex Offers®, and experience special events and discounts with American Express Invites®.
• Access to Amex Front Of The Line® presale and reserved tickets.
• To be eligible, $12,000 (individual) annual income is required. Also, 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.
• Terms and Conditions Apply. Click ‘Apply Now’ for complete details.

• Flexible and easy redemption. You can redeem cash back anytime through CIBC Online and Mobile Banking.
• Generous cash back rates on five popular spending categories.

• You’ll only earn 1% cash back after spending $80,000 across bonus categories. Most credit cards have specific limits for each category, but the CIBC Dividend Visa Infinite collectively caps all bonus rates with an $80,000 limit.
• Insurance offerings are limited compared to what you might expect from a card with a $120 annual fee. However, you can avoid this cost every single year with a CIBC Smart Plus™ Account.

• 4% on groceries, gas, and electric vehicle charging, and 2% on transportation, dining and recurring payments. Accelerated rates apply to the first $80,000 spent per year.
• 1% on everything else, and after spending $80,000.
• 0.25% cash back for every $1 spent on a CIBC Global Money Transfer, with no foreign transaction fees.
• Redeem a minimum of $25 cash back at any time through CIBC Online and Mobile Banking.
• $120 annual fee.
• Visa Infinite benefits, including Visa Infinite Concierge, Visa Infinite Luxury Hotel Collection, Visa Infinite Dining Series, and entertainment and lifestyle offers.
• Save up to 10 cents per litre at Chevron, Ultramar and Pioneer gas stations when you link your card with Journie Rewards.
• Access to CIBC Pace It.
• Five types of insurance provided, including 10-day out-of-province/out-of-country emergency medical benefits — up to $5 million in coverage.
• Preferred rates: 20.99% for purchases, 22.99% for cash advances.
• To be eligible, $60,000 (individual) or $100,000 (household) annual income is required. Also, 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.

• At 11.9%, you’ll benefit from a lower interest rate on purchases and cash advances than many other rewards cards.
• Redeem points for travel, as gift cards or as financial rewards.

• Despite the low interest rate, there’s no balance transfer promotional period.
• Travel and medical insurance coverage costs an additional $69 per year.

• Get up to $200 in total value* for the first year! Must apply by September 29, 2023. Conditions apply.
• Earn 2 Points for every $1 spent on eligible dining or entertainment purchases.
• HSBC’s lowest interest rate for purchases, cash advances and balance transfers.
• Price Protection Service – find a lower price within 60 days of your purchase, the difference will be refunded, up to $500 per eligible item.
• Primary Cardholder Annual Fee: $25.
• Annual Interest on Purchases: 11.9%.
• Authorized User Annual Fee: $10 Per Card.
• *Terms and Conditions apply.
• ®/TM Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. Used pursuant to license.

• Solid Canadian Tire Money earn rates on groceries, sports equipment and other merchandise at participating stores.
• No annual fee.
• Access to various insurance plans.

• Not much added value if you don’t shop at Canadian Tire or its affiliated stores.
• Large families could burn through their accelerated earn rates on groceries sooner than they’d like.
• Earning Canadian Tire Money on gas purchases could be challenging if you don’t live near an eligible gas station.

• Collect 3% in Canadian Tire Money on the first $12,000 spent at eligible grocery stores per year and 1% on eligible grocery purchases after that.
• Collect 4% in Canadian Tire Money on qualifying purchases at Canadian Tire, Sport Chek, Mark’s/L’Equipeur, Atmosphere, Party City, Sports Rousseau, Hockey Experts, L’Entrepot du Hockey and participating Sports Experts stores.
• Collect 7 cents in Canadian Tire money per litre of premium fuel, and 5 cents per litre on all other fuel types purchased at Gas+/Essence+ locations.
• Canadian Tire Money can be redeemed at Canadian Tire, Sport Chek, Atmosphere, Sports Rousseau, Hockey Experts, L’Entrepot du Hockey and participating Mark’s/L’Equipeur and Sports Experts stores.
• No fee, no interest financing on qualifying purchases of $150 or more at participating stores. Conditions apply.
• No-receipt returns at participating stores.
• Access to member-only events and personalized offers.
• Priority queuing when calling the Triangle call centre.
• Enrollment in the Triangle World Elite Mastercard Roadside Assistance Gold Plan, which includes 5 service calls per year and unlimited tows to any Canadian Tire Auto Service Centre within towing limits.
• Car rental collision/loss damage waiver insurance.
• Extended warranty insurance for eligible purchases.
• Eligibility: Must be a Canadian resident and the age of majority in the province/territory of residence.
• No annual fee.
• No fee for obtaining a supplementary card on the same account.
• Interest rates: 19.99% on purchases, 22.99% on cash transactions (21.99% in Quebec).

• Flexible redemption options, including cash back, brand-name merchandise, gift cards, charitable donations and travel, and points never expire.
• You can receive up to 10,000 Birthday Bonus Points every year.

• Accelerated earn rate drops to 2x after the first 90 days, and 1x after $10,000 in spending. Considering how many categories fit into the cap, hitting the limit will be easy for families and big spenders.
• Lack of travel insurance may disappoint some cardholders.

• Earn 4 points†† for every $1 spent on eligible restaurant, grocery, digital media, membership and household utility purchases during the first 90 days, and 2 points‡ for every $1 spent on eligible purchases in those categories thereafter – in both cases, these earn rates apply until $10,000 is spent annually in the applicable category.
• Earn 1 point‡ for every $1 spent on all other eligible purchases.
• 5,000 bonus points†† ($25 in cash back value) after you make $500 or more in eligible purchases within the first 90 days of your account opening.
• 5,000 bonus points††($25 in cash back value) once enrolled for paperless e-statements within the first 90 days of account opening.
• Each year, you will receive Birthday Bonus Points‡ equal to 10% of the total number of Points earned in the 12 months before the month of your birthday, to a maximum Birthday Bonus each year of 10,000 Points.
• Redeem points‡ for cash back, brand-name merchandise, gift cards from participating retailers, charitable donations, and travel.
• Mobile Device Insurance*** With Mobile Device Insurance, you’ve got up to $1,000 in coverage for eligible mobile devices in the event of loss, theft, accidental damage or mechanical breakdown.
• No annual fee.
• ‡, ††, ✪, ***, Terms and Conditions apply.
• This offer is not available for residents of Quebec.
• 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.

• Solid earn rates should help members of the Marriott Bonvoy® program score free hotel stays.
• Marriott Bonvoy® points can be transferred to frequent flyer miles with some airlines, including Air Canada’s Aeroplan.
• Access to American Express® Experiences and several varieties of insurance.

• You’ll need to be a Marriott Bonvoy® member to take advantage of the card’s most valuable benefits.
• American Express isn’t always as widely accepted as some other credit cards, so using the Marriott Bonvoy® American Express®* — and collecting points — everywhere you go might not always be possible.

• New Marriott Bonvoy® American Express®* Cardmembers earn 50,000 Marriott Bonvoy® points after you charge $1,500 in purchases to your Card in your first three months of Cardmembership. Subject to change at any time
• Earn 5 points for every dollar in eligible Card purchases at hotels participating in Marriott Bonvoy®.
• Earn 2 points for every $1 in all other Card purchases.
• Receive an Annual Free Night Award for up to 35,000 points at eligible hotels and resorts worldwide every year after your first anniversary.
• No annual fee on Additional Cards.
• Redeem points for free nights with no blackout dates at over 7,000 of the world’s most desired hotels.
• Automatic Marriott Bonvoy Silver Elite status membership.
• Receive 15 Elite Night Credits each calendar year with your Marriott Bonvoy® American Express®* Card. These can be used towards attaining the next level of Elite status in the Marriott Bonvoy program.
• Enjoy an automatic upgrade to Marriott Bonvoy Gold Elite status when you reach $30,000 in purchases on the Card each year or when you combine 10 qualifying paid nights within one calendar year with the 15 Elite Night Credits from your card.
• 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.

• No foreign exchange fee on any foreign currency purchases while travelling abroad or shopping online — you just have to pay the exchange rate.

• The bonus rewards rates drop down to the 1x flat rate after a $50,000 annual spend. This sounds like a lot, but much of your daily spending is probably included in the six bonus categories, so you might hit the limit faster than you’d think.

• Earn up to $650* in value in the first 12 months, including up to 40,000 bonus Scene+ points. NEW OFFER May 1, 2023 – October 31, 2023.
• You will not pay 2.5% foreign transaction fees on any foreign currency purchases, including online shopping and when travelling abroad. Only the exchange rate applies.
• Earn 5X Scene+ points for every $1 CAD spent on eligible grocery stores, restaurants, fast food, and drinking establishments. Includes popular food delivery and food subscriptions.
• Earn 5X Scene+ points for every $1 CAD spent on eligible entertainment purchases. Includes movies, theatre, and ticket agencies.
• Earn 3X Scene+ points for every $1 CAD spent on eligible gas and daily transit. Includes rideshare, buses, taxis, subway, and more.
• Earn 1X Scene+ point for every $1 spent on every other purchase.
• You’ll earn 6X Scene+ points for each $1 CAD charged to your account on all eligible purchases¹ at Sobeys, IGA, Safeway, Foodland, FreshCo, Voilà by Sobeys, Voilà by IGA, Voilà by Safeway, Chalo! FreshCo, Thrifty Foods, IGA West, Les Marchés Tradition, Rachelle Béry and Co-Op.
• Discounted Priority Pass™ membership, which grants you access to over 1200 VIP lounges around the world.
• Score deals on shopping, dining, travel and more with Amex Offers®, and experience special events and discounts with American Express Invites®.
• Access to Amex Front Of The Line® presale and reserved tickets.
• To be eligible, $12,000 (individual) annual income is required. Also, 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.
• Terms and Conditions Apply. Click ‘Apply Now’ for complete details.

• From special reservations to insider tips, you can enhance your travel experiences with complimentary, personalized service from Platinum Concierge — available 24/7.
• Benefit from a full suite of Platinum-level travel perks, such as worldwide airport lounge access, the Global Dining Collection, and more.

• Unless you plan to travel a lot, it may be difficult to offset the high $699 annual fee.
• No travel medical coverage for cardmembers over the age of 65.

• Unlock special experiences with the Platinum Card®.
• Earn 80,000 Membership Rewards® points – that’s $800 towards a weekend away.
• New Platinum® Cardmembers, earn 80,000 Welcome Bonus points after you charge $7,500 in net purchases to your Card in your first 3 months of Cardmembership.
• Earn 3 points for every $1 in Card purchases on eligible dining and food delivery in Canada, 2 points for every $1 in Card purchases on eligible travel, and 1 point for every $1 in all other Card purchases.
• You will have access to a $200 CAD Annual Travel Credit to use towards any single travel booking of $200 or more charged to your Platinum Card and made on www.americanexpress.ca/travel or through Platinum Card® Travel Service.
• Take full advantage of The American Express Global Lounge Collection™ which unlocks access to over 1300 airport lounges worldwide. This includes The Centurion® Lounge network, Plaza Premium Lounges, and hundreds of other domestic and international lounges designed to enhance your travel experience.
• Enjoy flexible ways to use your points such as statement credits for any eligible purchase charged to your Card, new travel purchases booked on American Express Travel Online through the Flexible Points Travel Program, and eligible flights through the Fixed Points Travel Program.
• Transfer points 1:1 to several frequent flyer and other loyalty programs.
• Enjoy complimentary benefits that offer an average value of $550 USD at over 1,000 extraordinary properties worldwide when you book Fine Hotels + Resorts.
• Platinum Cardmembers can enjoy access to special events and unique opportunities.
• Enjoy premium benefits at the Toronto Pearson Airport such as discount on parking.
• You will also have access to many leading hotel and car rental companies’ loyalty programs. Our partners include Marriott International, Hilton Hotels and Resorts, Radisson Hotel Group Americas, Hertz and Avis.
• Interest applies in accordance with your Cardmember Agreement, Information Box, and Disclosure statement if the total New Balance is not paid by the Payment Due Date each month. All payments must be received by the Payment Due Date shown on the monthly statement.
• American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information click the Apply now link. Conditions apply.

• Travel in comfort: room and rental car upgrades, access to airport lounges and credits for hotel amenities like dining and spa treatments.
• The 60,000-point intro offer is equivalent to $600 for shopping, travel and more.

• Travellers 65 or older won’t be covered by the card’s emergency medical insurance.
• If you travel often, you could burn through your four complimentary visits to Plaza Premium Lounges fairly quickly.

• 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 20.99% 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.

• No limits on rewards spending, and more ways to redeem your points than other no-fee rewards credit cards on this list.
• Cardholders who enjoy VIP treatment will enjoy access to a multitude of perks through American Express Experiences.

• Reward earn rates are lower than some other no-fee credit cards.
• Lacks some of the travel perks and insurance options offered by other cards.

• Get the Card that lets you live in the moment while getting ready for the future.
• The American Express® Green Card lets you go for it with every swipe or tap of your Card.
• As a new American Express® Green Cardmember, you can earn a Welcome Bonus of 10,000 Membership Rewards® points when you charge $1,000 in purchases to your Card in the first 3 months of Cardmembership. That’s $100 towards groceries or concert tickets.
• Earn 1x the points on Card purchases.
• Charge an eligible purchase to your Card and redeem your Membership Rewards points for a statement credit (All eligible purchases: 1,000 points = $10 statement credit).
• With American Express Experiences and Front Of The Line®, American Express Cardmembers get access to amazing events in Canada.
• Transfer points 1:1 to several frequent flyer and other loyalty programs.
• American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information click the Apply now link. Conditions apply.

• No annual fee.
• Earn 5,000 Scene points within the first year.
• Flexible point redemption program.

• Insurance coverage isn’t included — it must be opted into.
• No option to earn cash back.

• Earn 5,000 Scene+ Points (5K with $750 spend in first 3 months). NEW OFFER May 1, 2023 – October 31, 2023.
• Earn 2x Scene+ points for every $1 you spend on credit card purchases at Cineplex™ theatres or at cineplex.com
• Earn 1x Scene+ point for every $1 you spend on your everyday credit card purchases.
• You’ll earn 2X Scene+ points for each dollar charged to your account on all eligible purchases¹ at Sobeys, IGA, Safeway, Foodland, FreshCo, Voilà by Sobeys, Voilà  by IGA, Voilà  by Safeway, Chalo! FreshCo, Thrifty Foods, IGA West, Les Marchés Tradition, Rachelle Béry and Co-Op. 
• Redeem Scene+™* points for travel, shopping, entertainment, dining, banking, and more.
• As a SCENE®* Visa* Cardholder, you can save up to 25% off base rates at participating AVIS locations and at participating Budget locations in Canada and the U.S. when you pay with your SCENE®* Visa* card.
• No annual fee.
• Preferred rates: 19.99% for purchases, 22.99% for cash advances.
• To be eligible, $12,000 (individual) annual income is required. Also, 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.
• Terms and Conditions Apply. Click ‘Apply Now’ for complete details.

• An app that tracks your spending, helps with budgeting, offers free financial coaching, and the ability to earn up to 4.50% interest on your entire account.
• Access to a credit building service that reports your payments for only $7 per month — a rare feature for a prepaid card.

• KOHO is a tech-focused company, so if you’re uncomfortable with digital banking, it may not be the right choice.
• KOHO isn’t a credit card, which means you can’t borrow any money. You can only access the funds already in your account.

• Up to 6% extra cash back when shop with partnered merchants.
• 2% cash back on groceries, transportation, eating & drinking.
• 0.5% cash back on all purchases.
• Cash back is instantly added to your KOHO Savings account.
• $9 monthly fee/$84 annual fee, + a 30-day free trial.
• No foreign exchange fees.
• 1 free international ATM withdrawal per month.
• Subscribe to Credit Building for $10/month in-app.
• Earn 2% interest on all balances (no minimum deposit requirement).
• To be eligible, you must be a Canadian resident of the age of majority in the province or territory where you live.

• Low interest rate.
• Payments are reported to both credit bureaus.

• You’ll need to budget for the annual fee.
• No ability to earn rewards on purchases.

• $59 annual fee.
• No fee option available with a higher interest rate.
• $500 minimum security fund deposit required.
• $10,000 maximum security fund deposit.
• Hard credit checks are made on Home Trust Secured Visa applications.
• Credit activity, including every payment, is reported to TransUnion and Equifax, the two major consumer credit bureaus in Canada.
• Ability to upgrade to an unsecured credit card.
• Manage your account and billing with online banking.
• Cardholders can choose between a card with no annual fee and 19.99% interest or an annual fee of $59 and 14.90% interest.
• Protection against fraud through Visa’s Zero Liability Policy.
• Preferred rates: 14.90% for purchases, 19.80% for cash advances.
• To be eligible, you must have a source of income and cannot currently be in bankruptcy. You must be able to provide security funds and be a Canadian resident of the age of majority in the province or territory where you live. The Home Trust Secured Visa Card is not available to Québec residents.

• Cardholders who carry a balance will save money every month with this card’s low 12.99% interest rate on purchases, cash advances and balance transfers.
• A stellar 0% introductory interest rate on balance transfers for the first six months.

• No rewards.
• No insurance coverage.

• 0% introductory interest rate on Balance Transfers for the first 6 months (12.99% after that; annual fee $29).¹ Plus no annual fee in the first year.¹ Offer ends 31 Oct 2023.
• Save up to hundreds of dollars a year on interest.
• Low interest rate of 12.99%.
• Pay down higher interest rate balances faster.
• Transfer higher rate balances and save even more.
• To be eligible, $12,000 (individual) annual income is required. Also, you must have a Canadian credit file and be a Canadian resident that is the age of majority in the province or territory where you live.
• Terms and Conditions Apply. Click ‘Apply Now’ for complete details.

• It’s rare for a credit card to offer 4% cash back on two major spending categories. It’s even rarer to set a $25,000 annual limit to that 4% — a $1,000 value — before reverting to the healthy 1% base rate.
• You can waive the $120 annual fee every single year by using the Scotiabank Ultimate Package.

• The cash back earned is hands-off. You have to wait until November, and then it’s only redeemable as a statement credit. If you have a Scotiabank account, that annual payout can be deposited into your bank account.
• The 4% rate won’t mean much to you if you don’t buy a lot of groceries or often buy your food at somewhere that Visa doesn’t classify as a grocery store or supermarket, such as Canadian Tire, FreshCo, London Drugs, Walmart and No Frills.

• SPECIAL OFFER: Earn 10% cash back on all purchases for the first 3 months (up to $2,000 in total purchases). No annual fee in the first year, including on supplementary cards. Offer ends October 31, 2023.
• Earn 4% for every $1 you spend on grocery store purchases, recurring bill payments, and subscription purchases.
• Earn 2% for every $1 you spend on gas purchases and daily transit purchases.
• Earn 1% cash back on all other purchases with no cash back limit.
• Redeem cash back as a statement credit in November.
• Visa Infinite benefits, including Visa Infinite* Concierge, Visa Infinite* Luxury Hotel Collection, Visa Infinite* Dining Series, and entertainment and lifestyle offers.
• Save up to 25% off base rates at participating AVIS locations and at participating Budget locations in Canada and the U.S.
• Access to Scotia SelectPay™.
• To be eligible, $60,000 (individual) or $100,000 (household) annual income is required, or $250,000 minimum assets under management. Also, you must have a Canadian credit file and be a Canadian resident that is the age of majority in the province or territory where you live.
• Terms and Conditions Apply. Click ‘Apply Now’ for complete details.

As the world’s most widely-accepted credit card network, Visa cards are a smart addition to any wallet. See our selections for the best Visa credit cards in Canada.

• Airport lounge access with a complimentary membership in Mastercard Airport Experiences provided by LoungeKey.
• Strong insurance policy, including up to $2 million in out-of-province/out-of-country emergency medical insurance.

• This card doesn’t offer accelerated earn rates on certain spending categories.

• Welcome offer: Get 2,000 AIR MILES Bonus Miles and we’ll waive the $120 annual fee for the first year.*
• Get 3x the Miles for every $12 spent at participating AIR MILES Partners and 2x the Miles for every $12 spent at any eligible grocery store*.
• Earn 1 reward mile for every $12 in credit card purchases, everywhere you spend.*
• Get valuable benefits and offers for digital everyday services from a variety of on-demand apps and subscription services.
• Use your card at Costco.*
• Extended Warranty.
• Access over 1 million Wi-Fi hotspots around the world – all at no added cost, and no added fees or roaming charges.*
• Complimentary membership in Mastercard Travel Pass provided by DragonPass.*
• Use less Miles with our exclusive 25% discount on one worldwide AIR MILES flight redemption during the calendar year.*
• BMO AIR MILES World Elite Travel and Medical Protection.*
• BMO Concierge Service.*
• Unlock Mastercard Travel Rewards cashback offers when you travel and shop outside of Canada.
• *Terms and conditions apply.
• BMO is not responsible for maintaining the content on this site. Please click on the Apply now link for the most up to date information.

• Earn 150,000 points in the first year by spending up to $30,000 on eats, drinks and groceries. Combined with the 30,000 point intro offer, you could earn 180,000 points in your first year, which you could redeem for travel and more.
• Easily transfer the points you earn to popular airline and hotel loyalty programs, such as Aeroplan and Marriott Bonvoy.

• Airport lounge access isn’t provided, which may disappoint some frequent travellers.
• No travel medical coverage for cardmembers over the age of 65.

• 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. That’s up to $300 towards a weekend getaway or concert tickets.
• Earn 5x the points on eligible eats and drinks in Canada, including groceries and food delivery.*
• Earn 3x the points on eligible streaming subscriptions in Canada.
• Earn 2 points for every $1 spent on eligible transit & gas purchases in Canada and eligible travel purchases. That’s 2X the points on purchases that get you from point A to B.
• Earn 1 point for every $1 in Card purchases everywhere else. We won’t tell you where to spend, we’ll just reward you on your Card purchases.
• Transfer points 1:1 to several frequent flyer and other loyalty programs.
• Cobalt Cardmembers receive regular Perks such as bonus reward offers and access to great events.
• Access Front Of The Line® Presale & Reserved Tickets to some of your favourite concerts and theatre performances and special offers and events curated for Cardmembers with American Express® Experiences.
• *Effective August 15, 2023, Cobalt Cardmembers will earn 5x the points on all eligible eats & drinks charged to their Card up to $2,500 monthly, for the same total of $30,000 annually already in place today. Cardmembers will also continue to earn 3x on streaming subscriptions, 2x on eligible transit, gas & travel purchases and 1x on everything else. T&Cs apply. While the annual earn does not change, the new monthly construct intends to curb gaming activity. The change should have little to no impact on the majority of Cardmembers who utilize the Card and Membership Rewards program as it was intended.
• 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.

American Express knows how to reward cardholders with perks and exclusive experiences. See our selections for the best Amex cards in Canada.