Eligible purchases made directly with Air Canada® including Air Canada Vacations®
2 Aeroplan pts/$1
TEAM SPENDING
Updated Jul 2026
Employee Cards
Issue cards to your team and earn rewards on their spending.
CREDIT CARD
ratebuddy.ca
Data Driven Algorithmic Integrity
We deploy rigorous data analysis to index and score the market. Our recommendations are derived from raw data, ensuring zero bias from advertiser influence.
You Are The Priority
We strive to be the smartest financial friend you have. Our goal is to save you money, not upsell you junk.
How We Stay Free
Ads pay the bills, but our Math runs the show. See our "No-Nonsense" Disclosure
FULL TRANSPARENCY
Platform Integrity & Transparency Standards
A comprehensive overview of our business model, data ethics, and commitment to unbiased service.
The Reality Check
RateBuddy is free for you to use, but it does cost money to run. To cover our expenses, we earn revenue through advertisements and sponsorship placements. This means our partners often compensate us when you click a link or apply for a product through our site. Importantly, this does not change our product ratings, rankings, reviews, or opinions. We strive to show you the most options possible so you can make informed decisions.
Our Total Loyalty Commitment
Our obligation to you supersedes any business relationship. This applies to everything we do—from the code that sorts rates to the advice in our guides. If a product has excessive fees, we expose them. If a service is outdated, we flag it. We are built to be your advocate, ensuring you always have the full, unvarnished picture.
We Can't Cover Everything
While we strive to scan the entire market, the financial world is massive. We might not list every single credit union or local bank in existence. However, we work tirelessly to present the most competitive offers available in Canada.
Our Editorial Independence
Our opinions are our own. If a card has a terrible fee, we’ll tell you. If a bank has a glitchy app, we’ll warn you. Our loyalty is to your wallet, because if you don't trust us, you won't come back. And we really want you to come back.
Compare Cards for Employees
Comparing results based on your preferences.
Auto-updates
Annual Fee
$149
$0
1st yr Fee Waived
Purchase
14.99%
Cash Adv.
22.99%
TD Canada Trust
Best For
[
Travel Rewards
]
[
Business
]
[
Rewards
]
Est. 1st Yr Value: $1963
1st Yr Free
Aeroplan
Welcome Bonus: Earn up to 60,000 Aeroplan points + First-year fee waived for you and 2 employees.
Highlights:
Travel Medical Insurance
•
First-Year Fee Waived
•
Free Checked bag
•
Mobile Device Insurance
+6 more
Purchase APR
14.99%
Cash Advance APR
22.99%
Annual Fee
$149
Foreign Tx Fee
—
Personal Income
—
Household Income
—
Credit Score
—
Add. Card Fee
$49
Annual Fee
$149
$0
1st yr Fee Waived
Purchase
19.99%
Cash Adv.
22.99%
TD Canada Trust
Best For
[
Travel Rewards
]
[
Business
]
[
Rewards
]
Est. 1st Yr Value: $1489
1st Yr Free
TD Rewards
Welcome Bonus: Earn up to 200,000 TD Rewards Points + First-year fee waived for you and 4 employees.
Highlights:
Travel Medical Insurance
•
First-Year Fee Waived
•
Car Rental Collision/Loss Damage Waiver
•
Trip Cancellation/Interruption Insurance
+6 more
Purchase APR
19.99%
Cash Advance APR
22.99%
Annual Fee
$149
Foreign Tx Fee
—
Personal Income
—
Household Income
—
Credit Score
—
Add. Card Fee
$49
Annual Fee
$599
Purchase
21.99%
Cash Adv.
21.99%
American Express(Canada)
Best For
[
Travel Rewards
]
[
Business
]
[
Premium
]
Est. 1st Yr Value: $1442
Aeroplan
Welcome Bonus: Up to 90,000 Welcome Bonus Aeroplan points
Highlights:
Airport Lounge Access
•
Travel Medical Insurance
•
Free Checked bag
•
Car Rental Collision/Loss Damage Waiver
+6 more
Purchase APR
21.99%
Cash Advance APR
21.99%
Annual Fee
$599
Foreign Tx Fee
—
Personal Income
—
Household Income
—
Credit Score
—
Add. Card Fee
$199
Annual Fee
$150
Purchase
21.99%
Cash Adv.
21.99%
American Express(Canada)
Best For
[
Travel Rewards
]
[
Business
]
[
Rewards
]
Est. 1st Yr Value: $823
Welcome Bonus: Up to 80,000 Bonus Marriott Bonvoy points
Highlights:
Car Rental Collision/Loss Damage Waiver
•
Extended Warranty Insurance
•
Purchase Security Insurance
•
Flight Delay Insurance
+6 more
Purchase APR
21.99%
Cash Advance APR
21.99%
Annual Fee
$150
Foreign Tx Fee
—
Personal Income
—
Household Income
—
Credit Score
—
Add. Card Fee
$50
Annual Fee
$199
Purchase
21.99%
Cash Adv.
21.99%
American Express(Canada)
Best For
[
Business
]
[
Rewards
]
Est. 1st Yr Value: $681
Membership Rewards
Welcome Bonus: Up to 70,000 Membership Rewards points
Highlights:
Mobile Device Insurance
•
Car Rental Collision/Loss Damage Waiver
•
Extended Warranty Insurance
•
Purchase Security Insurance
+6 more
Purchase APR
21.99%
Cash Advance APR
21.99%
Annual Fee
$199
Foreign Tx Fee
—
Personal Income
—
Household Income
—
Credit Score
—
Add. Card Fee
$50
Annual Fee
$799
Purchase
21.99%
Cash Adv.
21.99%
American Express(Canada)
Best For
[
Travel Rewards
]
[
Business
]
[
Premium
]
Est. 1st Yr Value: $626
Membership Rewards
Welcome Bonus: Up to 120,000 Welcome Bonus Membership Rewards points
Highlights:
Airport Lounge Access
•
Travel Medical Insurance
•
Mobile Device Insurance
•
Car Rental Collision/Loss Damage Waiver
+6 more
Purchase APR
21.99%
Cash Advance APR
21.99%
Annual Fee
$799
Foreign Tx Fee
—
Personal Income
—
Household Income
—
Credit Score
—
Annual Fee
$29
$0
1st yr Fee Waived
Purchase
13.99%
Cash Adv.
13.99%
CIBC
Best For
[
Low Interest
]
[
Balance Transfer
]
1st Yr Free
Welcome Bonus: 0% interest for up to 10 months on balance transfers (1% transfer fee) + First Year Annual Fee Rebate.
Balance Transfer: 0% Balance Transfer for 10 months (1% transfer fee).
Highlights:
First-Year Fee Waived
•
Extended Warranty Insurance
•
Purchase Security Insurance
•
Introductory 0% APR on Purchases
+1 more
Purchase APR
13.99%
Cash Advance APR
13.99%
Annual Fee
$29
Foreign Tx Fee
—
Personal Income
—
Household Income
$15,000
Credit Score
—
Annual Fee
$0
Purchase
19.99%
Cash Adv.
22.99%
TD Canada Trust
Best For
[
Cash Back
]
[
No Annual Fee
]
[
Business
]
Est. 1st Yr Value: $144
Cash Back
Highlights:
No Annual Fee
•
Extended Warranty Insurance
•
Purchase Security Insurance
•
Expense Management Tools
+2 more
Purchase APR
19.99%
Cash Advance APR
22.99%
Annual Fee
$0
Foreign Tx Fee
—
Personal Income
—
Household Income
—
Credit Score
—
Add. Card Fee
$0
Annual Fee
$0
Purchase
11.99%
Cash Adv.
11.99%
TD Canada Trust
Best For
[
Low Interest
]
[
No Annual Fee
]
[
Business
]
Highlights:
No Annual Fee
•
Car Rental Collision/Loss Damage Waiver
•
Extended Warranty Insurance
•
Purchase Security Insurance
+3 more
Purchase APR
11.99%
Cash Advance APR
11.99%
Annual Fee
$0
Foreign Tx Fee
—
Personal Income
—
Household Income
—
Credit Score
—
Add. Card Fee
$0
Annual Fee
$0
Purchase
20.99%
Cash Adv.
22.99%
National Bank of Canada
Best For
[
No Annual Fee
]
[
Business
]
Highlights:
No Annual Fee
•
Expense Management Tools
•
Employee Cards
Purchase APR
20.99%
Cash Advance APR
22.99%
Annual Fee
$0
Foreign Tx Fee
—
Personal Income
—
Household Income
—
Credit Score
—
Add. Card Fee
$0
Showing 10 of 15 cards
RateBuddy
Math. Not Marketing.
We calculate the true value to save you every penny.
Data-Driven Logic
Rankings based on hard numbers (fees vs rewards), not advertising budgets.
100% Unbiased
We highlight the "gotchas" and fees just as clearly as the perks.
Direct & Secure
No data harvesting. We send you straight to the bank's secure official site.
Why Choose a Credit Card?
Beyond simple convenience, the right credit card offers a layer of consumer protection, financial leverage, and rewards that debit cards or cash simply cannot match.
Zero Liability Protection
Canadian credit cards come with robust federal protections against unauthorized transactions. Unlike cash, which is gone forever if lost, or debit cards which are directly linked to your bank funds, a credit card offers a buffer. If your card is used fraudulently, you are generally not held liable for those charges once reported. This keeps your actual bank account safe and liquid while the bank investigates the issue. It provides peace of mind in an era of increasing digital fraud.
Value-Added Rewards
Every purchase you make is an opportunity to earn a return on your spending. Whether you prefer travel points, merchandise, or cash back, using a credit card allows you to get value back on expenses you were going to pay anyway. Over the course of a year, a standard 1-2% reward rate can accumulate into hundreds of dollars in free groceries or flights. It is effectively a discount on your entire lifestyle, provided you pay your balance in full. Why pay full price with cash when you can earn a rebate with credit?
Building Credit History
Your credit score is your financial passport in Canada, dictating your ability to rent apartments, get a mortgage, or finance a car. Responsible credit card use is one of the most effective and fastest ways to establish this history. By using a card and paying it off on time every month, you demonstrate reliability to future lenders. A long, positive history with a credit card accounts for a significant portion of your credit score calculation. Without this history, obtaining major loans later in life can be difficult or much more expensive.
RATEBUDDY TOOLKIT
Crunch The Numbers
See exactly how much you can save, earn, or pay off.
Explore the Ecosystem
Discover more ways to save, earn, and optimize your wallet.
Not sure what you need?
Explore other possibilities.
Credit Cards is great, but sometimes a different card fits your lifestyle better. Use our Smart Finder to see what else you qualify for.
Cash Back
Earn money on daily spend.
Travel Rewards
Best for frequent flyers.
SPEC SHEET
Find best cards by features:
Filter our database by the specific perks and coverages that matter to you.
ISSUERS
Browse by Bank & Issuer:
Filter our database to see offers from specific Canadian financial institutions.
LOYALTY PROGRAMS
Browse by Reward Program:
Already collect points? Find the card that accelerates your existing balance.
PAYMENT NETWORKS
Browse by Network:
Filter by Visa, Mastercard, or Amex acceptance.
CARD LEVELS
Browse Cards by Tier:
From entry-level options to exclusive black cards. Find the eligibility level that fits you.
KNOWLEDGE BASE
Frequently Asked Questions
Common questions about Compare Cards for Employees Cards and financial strategy.
Disclaimer: Information is for educational purposes only and does not constitute financial or legal advice. Terms subject to change by issuers.
An authorized user is someone you add to your account (like a spouse or child) who gets their own card. The primary cardholder is fully responsible for all debt incurred by the authorized user. It can be a way to help someone build credit habits, but legal liability remains with the primary account holder.
You should contact your card issuer immediately to lock or cancel the card. Many issuers also offer a 'Lock Card' feature in their mobile app which can prevent new transactions instantly. Once reported, the issuer will typically send a replacement card with a new number.
A cash advance occurs when you withdraw cash from an ATM using your credit card or transfer funds from the card to a bank account. These transactions typically incur a fee (e.g., $5) and interest starts accruing immediately (no grace period), often at a higher rate than purchases.
Major networks like Visa, Mastercard, and Amex have 'Zero Liability' policies. This generally means that cardholders are not held responsible for unauthorized transactions if they have taken reasonable care of their card and PIN, and report the loss or theft promptly to the issuer.
Contactless payments use encryption technology similar to Chip & PIN transactions. Limits are typically placed on the amount allowed per tap (e.g., $100-$250) to minimize risk. If a thief exceeds this limit, a PIN is required. You are also protected by the issuer's Zero Liability policy for fraudulent tap transactions.
Still have questions?
Visit our Financial Education Hub
FINANCIAL WELLNESS
Tools & Resources
Master your money with our suite of free calculators and guides.