🇨🇦 Best Credit Cards in Canada (2026)

Amex Gold

American Express® Gold Rewards Card

American Express

1

4.2

"The American Express® Gold Rewards Card by American Express provides excellent rewards on dining and supermarkets, and offers travel perks such as lounge access. Flexibility in points redemption and a solid app experience are highlights. However, it has a high annual fee and limited upgrade paths. Best for frequent travelers valuing dining and travel rewards."

Visa Infinite

Scotiabank Passport Visa Infinite Card

Scotiabank

2

3.9

"The Scotiabank Passport Visa Infinite card is ideal for frequent travelers and premium users seeking solid travel benefits and an excellent earn rate for points and miles. It offers lounge access, no foreign transaction fees, and good travel insurance coverage. While the annual fee is high and waiver options are limited, the travel perks and app experience balance these downsides. Not ideal for customers looking to transfer balances with competitive terms."

Visa Infinite

RBC Avion Visa Infinite Card

RBC

3

3.9

"The RBC Avion Visa Infinite card offers a strong rewards program, excellent travel insurance, and flexible point redemption, but it has a significant annual fee and limited cashback options."

Mastercard World Elite

PC Financial World Elite Mastercard

PC Financial

4

3.5

"The PC Financial World Elite Mastercard is an appealing option for those who frequently shop at chains like Shoppers Drug Mart and Loblaws, offering an excellent earn rate in PC Optimum points with no annual fee. While it boasts strong purchase protection and travel insurance benefits, its travel perks are limited and the card requires a significant minimum income for approval. It's a solid choice for consumers looking to maximize daily spending returns in selected categories, though it may not be ideal for frequent or international travelers due to limited transfer partners and minimal airport lounge access."

Mastercard World

Tangerine World Mastercard®

Tangerine Bank

5

3.5

"The Tangerine World Mastercard® is an excellent choice for consumers seeking cashback with no annual fees. It offers 2% cashback on selected categories, airport lounge access, and comprehensive travel insurance coverage. However, there is no signup bonus, and customer service received negative reviews. Not recommended for those interested in miles and points accumulation."

Mastercard Standard

Tangerine Money-Back Credit Card

Tangerine Bank

6

3.5

"The Tangerine Money-Back Credit Card is a great choice for those seeking a no-annual-fee credit card with competitive cashback rates. With the ability to select up to three categories for 2% cashback, it's ideal for those making everyday purchases in these areas. The ease of redeeming rewards and the card’s security and transparency are strong points. However, it lacks strong travel perks and charges foreign transaction fees. For those focused on daily rewards rather than travel, it's a solid option."

Mastercard Standard

RBC Cash Back Mastercard

RBC

7

3.4

"The RBC Cash Back Mastercard provides a solid option for consumers looking for a no annual fee card with cash back on everyday purchases. It offers a competitive base cashback rate, especially in bonus categories like groceries, but lacks travel features and an intro offer. This card is well-suited for daily use, particularly for those who seek simplicity and moderate savings on routine spending."

Mastercard Standard

HSBC +Rewards Mastercard

HSBC

8

3.0

"The HSBC +Rewards Mastercard is a card aimed at daily use with a focus on flexible rewards and low costs. With a low annual fee and the possibility of a waiver for certain customers, it offers good purchase protection and extended warranties. However, the points redemption options are limited, and there's no cashback incentive. Advantages include fee waivers for premium banking customers, while notable downsides are low-value rewards and limited travel perk options, suggesting it's best suited for credit builders and low-fee seekers."