VIP ACCESS Updated May 2026

Event Access

Get presale tickets and front-of-the-line access to concerts and events.

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 If a service is outdated, we flag it.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 Event Access Cards

Comparing results based on your preferences.

Smart Filter
Auto-updates
$
Annual Fee $399
Purchase 9.99%
Cash Adv. 9.99%
Scotiabank Scotiabank
Best For [ Travel Rewards ] [ Low Interest ] [ Premium ]
Scotiabank Platinum American Express Card
Est. 1st Yr Value: $2461
Scene+
Welcome Bonus: Earn up to 80,000 bonus Scene+ points in the first 14 months.
Highlights: No Foreign Transaction Fees Airport Lounge Access Travel Medical Insurance Mobile Device Insurance +6 more
View Offer
ELIGIBILITY
Personal Inc: $12,000
Purchase APR 9.99%
Cash Advance APR 9.99%
Annual Fee $399
Foreign Tx Fee 2.5%
Personal Income $12,000
Household Income N/A
Credit Score Good/Excellent
Add. Card Fee $99.00
Annual Fee
$199 $0
1st yr Fee Waived
Purchase 21.99%
Cash Adv. 23.99%
BMO Bank of Montreal BMO Bank of Montreal
Best For [ Travel Rewards ] [ Premium ] [ Rewards ]
BMO VIPorter World Elite Mastercard
Est. 1st Yr Value: $1507
1st Yr Free
Welcome Bonus: Up to $2,400 in value including 70,000 VIPorter points and a round-trip companion pass
Highlights: Airport Lounge Access Travel Medical Insurance First-Year Fee Waived Car Rental Collision/Loss Damage Waiver +6 more
View Offer
ELIGIBILITY
Personal Inc: $80,000
Household Inc: $150,000
Purchase APR 21.99%
Cash Advance APR 23.99%
Annual Fee $199
Foreign Tx Fee 2.5%
Personal Income $80,000
Household Income $150,000
Credit Score Good/Excellent
Annual Fee $599
Purchase 21.99%
Cash Adv. 21.99%
American Express(Canada) American Express(Canada)
Best For [ Travel Rewards ] [ Business ] [ Premium ]
American Express Aeroplan Business Reserve Card
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 2.5%
Personal Income N/A
Household Income N/A
Credit Score Good/Excellent
Add. Card Fee $199.00
Annual Fee $120
Purchase 21.99%
Cash Adv. 22.99%
Scotiabank Scotiabank
Best For [ Travel Rewards ] [ Premium ] [ Rewards ]
Scotiabank Gold American Express Card
Est. 1st Yr Value: $1378
Scene+
Welcome Bonus: Earn up to 45,000 bonus Scene+ points in welcome offers and first-year rewards.
Highlights: No Foreign Transaction Fees Airport Lounge Access Travel Medical Insurance Mobile Device Insurance +6 more
View Offer
ELIGIBILITY
Personal Inc: $12,000
Purchase APR 21.99%
Cash Advance APR 22.99%
Annual Fee $120
Foreign Tx Fee 2.5%
Personal Income $12,000
Household Income N/A
Credit Score Good/Excellent
Add. Card Fee $29.00
Annual Fee $599
Purchase 21.99%
Cash Adv. 21.99%
American Express(Canada) American Express(Canada)
Best For [ Travel Rewards ] [ Premium ] [ Rewards ]
American Express Aeroplan Reserve Card
Est. 1st Yr Value: $1369
Metal
Aeroplan
Welcome Bonus: Up to 85,000 Welcome Bonus Aeroplan points
Highlights: Airport Lounge Access Travel Medical Insurance Free Checked bag Car Rental Collision/Loss Damage Waiver +5 more
Purchase APR 21.99%
Cash Advance APR 21.99%
Annual Fee $599
Foreign Tx Fee 2.5%
Personal Income N/A
Household Income N/A
Credit Score Good/Excellent
Annual Fee $120
Purchase 19.99%
Cash Adv. 22.99%
CIBC CIBC
Best For [ Travel Rewards ] [ Business ] [ Premium ]
CIBC Aeroplan Visa Business Plus Card
Est. 1st Yr Value: $1301
Aeroplan
Welcome Bonus: Up to 75,000 Aeroplan points + Annual Fee Rebate for the first 2 years.
Highlights: Airport Lounge Access 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 $120
Foreign Tx Fee 2.5%
Personal Income N/A
Household Income N/A
Credit Score Good/Excellent
Annual Fee $599
Purchase 21.99%
Cash Adv. 22.99%
CIBC CIBC
Best For [ Travel Rewards ] [ Premium ]
CIBC Aeroplan Visa Infinite Privilege Card
Est. 1st Yr Value: $1260
Aeroplan
Welcome Bonus: Apply and earn up to $3,200 in value, which includes up to 100,000 Aeroplan points!
Highlights: Airport Lounge Access Travel Medical Insurance Mobile Device Insurance Car Rental Collision/Loss Damage Waiver +6 more
View Offer
ELIGIBILITY
Personal Inc: $150,000
Household Inc: $200,000
Purchase APR 21.99%
Cash Advance APR 22.99%
Annual Fee $599
Foreign Tx Fee 2.5%
Personal Income $150,000
Household Income $200,000
Credit Score Good/Excellent
Annual Fee $180
Purchase 12.99%
Cash Adv. 14.50%
CIBC CIBC
Best For [ Travel Rewards ] [ Business ]
CIBC Aeroplan Visa Business Card
Est. 1st Yr Value: $1241
Aeroplan
Welcome Bonus: Up to 75,000 Aeroplan points + Annual Fee Rebate for the first 2 years.
Highlights: Airport Lounge Access First-Year Fee Waived Car Rental Collision/Loss Damage Waiver Trip Cancellation/Interruption Insurance +6 more
View Offer
ELIGIBILITY
Personal Inc: $35,000
Purchase APR 12.99%
Cash Advance APR 14.50%
Annual Fee $180
Foreign Tx Fee 2.5%
Personal Income $35,000
Household Income N/A
Credit Score Good/Excellent
Annual Fee $120
Purchase 21.99%
Cash Adv. 21.99%
American Express(Canada) American Express(Canada)
Best For [ Travel Rewards ] [ Rewards ]
American Express Aeroplan Card
Est. 1st Yr Value: $987
Aeroplan
Welcome Bonus: Up to 45,000 Welcome Bonus Aeroplan points
Highlights: Free Checked bag Car Rental Collision/Loss Damage Waiver Extended Warranty Insurance Purchase Security Insurance +5 more
Purchase APR 21.99%
Cash Advance APR 21.99%
Annual Fee $120
Foreign Tx Fee 2.5%
Personal Income N/A
Household Income N/A
Credit Score Good/Excellent
Add. Card Fee $50.00
Annual Fee $139
Purchase 21.99%
Cash Adv. 22.99%
CIBC CIBC
Best For [ Travel Rewards ] [ Premium ]
CIBC Aeroplan Visa Infinite Card
Est. 1st Yr Value: $982
Aeroplan
Welcome Bonus: Apply and earn up to $1,300 in value, which includes up to 50,000 Aeroplan points
Highlights: Travel Medical Insurance First-Year Fee Waived Mobile Device Insurance Car Rental Collision/Loss Damage Waiver +6 more
View Offer
ELIGIBILITY
Personal Inc: $60,000
Household Inc: $100,000
Purchase APR 21.99%
Cash Advance APR 22.99%
Annual Fee $139
Foreign Tx Fee 2.5%
Personal Income $60,000
Household Income $100,000
Credit Score Good/Excellent
Showing 10 of 24 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.

Match Me

Answer 3 simple questions. Our AI finds your perfect card instantly.

I'll Browse

Filter 120+ cards by bank, annual fee, rewards type, and more.

RATEBUDDY PRO TIP #HACK

Double-Dip Your Rewards

Link your credit card to loyalty programs like Uber or Starbucks within their apps. You will often earn credit card points *plus* the app’s loyalty points on the same transaction.

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.

RateBuddy.ca
Hello, Stranger.

Find Your Perfect Credit Card.

Your wallet deserves an upgrade.

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 Event Access Cards 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.

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.

Yes, many major banks offer specific programs for newcomers that do not require a Canadian credit history. You may need to visit a branch in person and provide immigration documents (such as a Permanent Resident card or Work Permit) to be approved.

Most Canadian credit cards charge a fee (typically 2.5%) on top of the exchange rate for any transaction made in a currency other than Canadian dollars. Cards marketed as 'No Foreign Transaction Fee' generally waive this 2.5% surcharge, though the exchange rate itself is still determined by the card network (Visa/Mastercard/Amex).

In Canada, you will often see AIR (Annual Interest Rate) used. It represents the yearly cost of borrowing on the card. Standard cards typically have purchase interest rates around 20.99%, while Low Interest cards can be significantly lower. Cash advances often carry higher interest rates than purchases.

Providing your Social Insurance Number (SIN) is usually optional for credit card applications, though it can help the issuer verify your identity and locate your credit file more accurately. You can generally apply without it, provided you supply other identification details.