RateBuddyCredit card guide LIMITED TIME

Current Credit Card Offers & Deals in Canada

Fact checked
Welcome offers
First-year value

RateBuddy Card InsightEditorial reviewed Sep 12, 2026

A good offer is only good if the details work for you

Promotions can add real value, but the fine print matters. RateBuddy helps organize welcome offers, spending requirements, annual fees, reward types, and timing considerations so you can compare deals with a clearer view of the total picture.

Before applying for a promotion

Check the spending requirement
Compare the annual fee and first-year value
Review reward redemption rules
Confirm the offer with the issuer

RateBuddyOFFERS AT A GLANCE

Best Credit Card Offers — October 2026

Get Ratebuddy Cash Rebate $200 RateBuddy rebate

Scotiabank®

Scotiabank® Gold American Express® Card

Featured

How RateBuddy estimates this value A transparent first-year snapshot

Welcome-offer value Advertised value estimate, subject to eligibility and provider requirements $950

Estimated rewards from spending Based on $1,500 in monthly spending $0

First-year annual fee Fee charged during the first year $120

Estimated first-year card value Welcome value + spending rewards − first-year fee $830

View spending and reward-rate details

Spending category	Monthly spend	Rate	Annual value
Groceries	$450	0%	$0
Dining	$300	0%	$0
Gas and transit	$150	0%	$0
Travel	$75	0%	$0
Recurring bills	$75	0%	$0
Other purchases	$450	0%	$0

RateBuddy cash rebate This separate rebate is not included in the card value or ranking above. +$200

Potential first-year value with RateBuddy rebate $1,030

Estimate notes

No usable reward rate is configured, so spending rewards were not estimated.

This is an estimate, not a guaranteed cash return. Actual value depends on spending, eligibility, redemption choices and meeting the provider’s offer terms. Reward rates are treated as estimated cash-equivalent percentages.

Earn up to $950 in welcome offers, first-year rewards and savings value, including up to 50,000 bonus Scene+ points.

Welcome bonus (up to): $950

RateBuddy rebate: $200

Get from RateBuddy$200

Rebate ends Oct 31, 2026

Get this offer View Offer Learn more

Get Ratebuddy Cash Rebate $150 RateBuddy rebate

Scotiabank®

Scotia Momentum® Visa Infinite +* Card

Featured

How RateBuddy estimates this value A transparent first-year snapshot

Welcome-offer value Advertised value estimate, subject to eligibility and provider requirements $300

Estimated rewards from spending Based on $1,500 in monthly spending $0

First-year annual fee $120 first-year fee waiver applied ~~$120~~ $0

Estimated first-year card value Welcome value + spending rewards − first-year fee $300

View spending and reward-rate details

Spending category	Monthly spend	Rate	Annual value
Groceries	$450	0%	$0
Dining	$300	0%	$0
Gas and transit	$150	0%	$0
Travel	$75	0%	$0
Recurring bills	$75	0%	$0
Other purchases	$450	0%	$0

RateBuddy cash rebate This separate rebate is not included in the card value or ranking above. +$150

Potential first-year value with RateBuddy rebate $450

Estimate notes

No usable reward rate is configured, so spending rewards were not estimated.

Earn 15% cash back for the first 3 months, get 0% on balance transfers for 12 months, plus get the first-year annual fee waived.*. Welcome offer ends Nov 1, 2026

Welcome bonus (up to): $300

RateBuddy rebate: $150

Get from RateBuddy$150

Rebate ends Oct 31, 2026

Get this offer View Offer Learn more

Get Ratebuddy Cash Rebate $150 RateBuddy rebate

Scotiabank®

Scotiabank® Passport® Visa Infinite Privilege* Card

Featured

How RateBuddy estimates this value A transparent first-year snapshot

Welcome-offer value Advertised value estimate, subject to eligibility and provider requirements $800

Estimated rewards from spending Based on $1,500 in monthly spending $0

First-year annual fee Fee charged during the first year $599

Estimated first-year card value Welcome value + spending rewards − first-year fee $201

View spending and reward-rate details

Spending category	Monthly spend	Rate	Annual value
Groceries	$450	0%	$0
Dining	$300	0%	$0
Gas and transit	$150	0%	$0
Travel	$75	0%	$0
Recurring bills	$75	0%	$0
Other purchases	$450	0%	$0

RateBuddy cash rebate This separate rebate is not included in the card value or ranking above. +$150

Potential first-year value with RateBuddy rebate $351

Estimate notes

No usable reward rate is configured, so spending rewards were not estimated.

Earn up to 80,000 bonus Scene+ points in your first 14 months—that’s up to $800 in value.*

Welcome bonus (up to): $800

RateBuddy rebate: $150

Get from RateBuddy$150

Rebate ends Oct 31, 2026

Get this offer View Offer Learn more

Best for Credit Building: $0 Prepaid Mastercard with No Credit Check and Unlimited Transactions.

KOHO

KOHO Core Mastercard® Prepaid Card

Featured

How RateBuddy estimates this value A transparent first-year snapshot

Welcome-offer value No current monetary welcome-offer estimate was included $0

Estimated rewards from spending Based on $1,500 in monthly spending $90

First-year annual fee No annual fee $0

Estimated first-year card value Welcome value + spending rewards − first-year fee $90

View spending and reward-rate details

Spending category	Monthly spend	Rate	Annual value
Groceries	$450	1%	$54
Dining	$300	1%	$36
Gas and transit	$150	0%	$0
Travel	$75	0%	$0
Recurring bills	$75	0%	$0
Other purchases	$450	0%	$0

View Offer Learn more

Get Ratebuddy Cash Rebate $100 RateBuddy rebate

Neo Financial

Neo World Elite Mastercard

Featured

How RateBuddy estimates this value A transparent first-year snapshot

Welcome-offer value Advertised value estimate, subject to eligibility and provider requirements $100

Estimated rewards from spending Based on $1,500 in monthly spending $459

First-year annual fee $149 first-year fee waiver applied ~~$149~~ $0

Estimated first-year card value Welcome value + spending rewards − first-year fee $559

View spending and reward-rate details

Spending category	Monthly spend	Rate	Annual value
Groceries	$450	5%	$270
Dining	$300	1%	$36
Gas and transit	$150	3%	$54
Travel	$75	1%	$9
Recurring bills	$75	4%	$36
Other purchases	$450	1%	$54

RateBuddy cash rebate This separate rebate is not included in the card value or ranking above. +$100

Potential first-year value with RateBuddy rebate $659

Get Neo’s $100 welcome bonus + your first year’s annual fee waived ($149 value), plus an exclusive $75 RateBuddy cash rebate! Conditions apply. Welcome offer ends Oct 12, 2026

Welcome bonus (up to): $100

RateBuddy rebate: $100

Get from RateBuddy$100

Get this offer View Offer Learn more

Ratebuddy Cash Rebate $50 RateBuddy rebate

Neo Financial

Secured Neo World Elite Mastercard

Featured

How RateBuddy estimates this value A transparent first-year snapshot

Welcome-offer value No current monetary welcome-offer estimate was included $0

Estimated rewards from spending Based on $1,500 in monthly spending $459

First-year annual fee Fee charged during the first year $149

Estimated first-year card value Welcome value + spending rewards − first-year fee $310

View spending and reward-rate details

Spending category	Monthly spend	Rate	Annual value
Groceries	$450	5%	$270
Dining	$300	1%	$36
Gas and transit	$150	3%	$54
Travel	$75	1%	$9
Recurring bills	$75	4%	$36
Other purchases	$450	1%	$54

RateBuddy cash rebate This separate rebate is not included in the card value or ranking above. +$50

Potential first-year value with RateBuddy rebate $360

Get from RateBuddy$50

Get this offer View Offer Learn more

Promotions & Limited-Time Offers

Get Ratebuddy Cash Rebate: $200

Scotiabank® Platinum American Express® Card

Annual fee $399

Purchase APR 9.99%

Cash advance 9.99%

Scotiabank®

Best for Travel Rewards Low Interest Premium

Scotiabank® Platinum American Express® Card

Best for Travel Rewards Low Interest Premium

RateBuddy 4.80

How RateBuddy estimates this value A transparent first-year snapshot

Welcome-offer value Advertised value estimate, subject to eligibility and provider requirements $3,000

Estimated rewards from spending Based on $1,500 in monthly spending $0

First-year annual fee Fee charged during the first year $399

Estimated first-year card value Welcome value + spending rewards − first-year fee $2,601

View spending and reward-rate details

Spending category	Monthly spend	Rate	Annual value
Groceries	$450	0%	$0
Dining	$300	0%	$0
Gas and transit	$150	0%	$0
Travel	$75	0%	$0
Recurring bills	$75	0%	$0
Other purchases	$450	0%	$0

RateBuddy cash rebate This separate rebate is not included in the card value or ranking above. +$200

Potential first-year value with RateBuddy rebate $2,801

Estimate notes

No usable reward rate is configured, so spending rewards were not estimated.

Rewards program Scene+

Get $200 Ratebuddy Cash rebate Offer expires Oct 31, 2026

Earn up to $3,000 in value in the first 14 months, including up to 100,000 bonus Scene+ points.* Earn up to $3,000 in value during the first 14 months, including up to 100,000 bonus Scene+ points. Reaching the maximum advertised value and bonus-point amount is subject to applicable offer requirements, eligibility restrictions and conditions.*

View Offer Get $200 Rebate & Apply

Secure. Apply on Scotiabank®’s site.

Learn More

Card highlights

No Foreign Transaction Fees Airport Lounge Access Travel Medical Insurance Mobile Device Insurance Trip Cancellation/Interruption Insurance Extended Warranty Insurance

Card essentials

Rates, fees and requirements

The important numbers, organized so they are easy to scan and compare.

Annual fee $399 Primary cardholder

Purchase APR 9.99% Regular purchase rate

Cash advance APR 9.99% Cash transaction rate

Balance transfer APR — When available

Foreign transaction fee 0% Foreign-currency purchases

Additional card fee $99 Supplementary cardholder

Before you apply

Eligibility snapshot

Recommended credit score —

Minimum personal income $12,000

Minimum household income —

Approval, rates and credit limits are determined by the card provider.

View Terms & Conditions

Promotions & Limited-Time Offers

TD Aeroplan Visa Infinite Privilege Credit Card

Annual fee $599

Purchase APR 21.99%

Cash advance 22.99%

TD Canada Trust

Best for Travel Rewards Premium Rewards

TD Aeroplan Visa Infinite Privilege Credit Card

Best for Travel Rewards Premium Rewards

How RateBuddy estimates this value A transparent first-year snapshot

Welcome-offer value Advertised value estimate, subject to eligibility and provider requirements $3,000

Estimated rewards from spending Based on $1,500 in monthly spending $258.75

First-year annual fee Fee charged during the first year $599

Estimated first-year card value Welcome value + spending rewards − first-year fee $2,659.75

View spending and reward-rate details

Spending category	Monthly spend	Rate	Annual value
Groceries	$450	1.5%	$81
Dining	$300	1.5%	$54
Gas and transit	$150	1.5%	$27
Travel	$75	2%	$18
Recurring bills	$75	1.25%	$11.25
Other purchases	$450	1.25%	$67.50

Rewards program Aeroplan

Metal card

Earn up to 85,000 Aeroplan points ($3,000 estimated value). Earn up to $3,000 in value, including up to 85,000 points. Get 20,000 points on first purchase. Earn an additional 35,000 points after spending $12,000 within 180 days. Earn an anniversary bonus of 30,000 points after spending $24,000 within 12 months.

Card highlights

Airport Lounge Access Travel Medical Insurance Free Checked bag Mobile Device Insurance Car Rental Collision/Loss Damage Waiver Trip Cancellation/Interruption Insurance

Card essentials

Rates, fees and requirements

The important numbers, organized so they are easy to scan and compare.

Annual fee $599 Primary cardholder

Purchase APR 21.99% Regular purchase rate

Cash advance APR 22.99% Cash transaction rate

Balance transfer APR — When available

Foreign transaction fee — Foreign-currency purchases

Additional card fee $199 Supplementary cardholder

Before you apply

Eligibility snapshot

Recommended credit score —

Minimum personal income $150,000

Minimum household income $200,000

Approval, rates and credit limits are determined by the card provider.

View Terms & Conditions

Promotions & Limited-Time Offers

Scotiabank Passport® Visa Infinite Business* Card

Annual fee $199

Purchase APR 20.99%

Cash advance 22.99%

Scotiabank®

Best for Travel Rewards Business Premium

Scotiabank Passport® Visa Infinite Business* Card

Best for Travel Rewards Business Premium

RateBuddy 4.50

How RateBuddy estimates this value A transparent first-year snapshot

Welcome-offer value Advertised value estimate, subject to eligibility and provider requirements $2,600

Estimated rewards from spending Based on $1,500 in monthly spending $0

First-year annual fee Fee charged during the first year $199

Estimated first-year card value Welcome value + spending rewards − first-year fee $2,401

View spending and reward-rate details

Spending category	Monthly spend	Rate	Annual value
Groceries	$450	0%	$0
Dining	$300	0%	$0
Gas and transit	$150	0%	$0
Travel	$75	0%	$0
Recurring bills	$75	0%	$0
Other purchases	$450	0%	$0

Estimate notes

No usable reward rate is configured, so spending rewards were not estimated.

Rewards program Scene+

Earn up to 40,000 bonus Scene+ points with qualifying spending, included in up to $2,600 in advertised first-year savings and reward value. Conditions apply. Open an eligible new account from May 1 to October 31, 2026. Earn 30,000 bonus Scene+ points after $5,000 in eligible purchases posts within three months, plus 10,000 after $60,000 posts within 12 months. Bonuses generally arrive within approximately eight weeks after qualification; the account must remain open and in good standing. Current Scotiabank business cardholders and those who held a primary or secondary business card within the previous two years are excluded. Terms and conditions apply. Expires Oct 31, 2026

Card highlights

No Foreign Transaction Fees Airport Lounge Access Travel Medical Insurance Car Rental Collision/Loss Damage Waiver Trip Cancellation/Interruption Insurance Extended Warranty Insurance

Card essentials

Rates, fees and requirements

The important numbers, organized so they are easy to scan and compare.

Annual fee $199 Primary cardholder

Purchase APR 20.99% Regular purchase rate

Cash advance APR 22.99% Cash transaction rate

Balance transfer APR 22.99% When available

Foreign transaction fee 0% Foreign-currency purchases

Additional card fee $50 Supplementary cardholder

Before you apply

Eligibility snapshot

Recommended credit score —

Minimum personal income $60,000

Minimum household income $100,000

Approval, rates and credit limits are determined by the card provider.

View Terms & Conditions

Promotions & Limited-Time Offers

Annual fee $149$0 First year waived

Purchase APR 14.99%

Cash advance 22.99%

TD Canada Trust

Best for Travel Rewards Business Rewards

TD Aeroplan Visa Business Card

Best for Travel Rewards Business Rewards

How RateBuddy estimates this value A transparent first-year snapshot

Welcome-offer value Advertised value estimate, subject to eligibility and provider requirements $1,900

Estimated rewards from spending Based on $1,500 in monthly spending $211.50

First-year annual fee $149 first-year fee waiver applied ~~$149~~ $0

Estimated first-year card value Welcome value + spending rewards − first-year fee $2,111.50

View spending and reward-rate details

Spending category	Monthly spend	Rate	Annual value
Groceries	$450	1%	$54
Dining	$300	1.5%	$54
Gas and transit	$150	1%	$18
Travel	$75	2%	$18
Recurring bills	$75	1.5%	$13.50
Other purchases	$450	1%	$54

Rewards program Aeroplan

First year free

Earn up to 60,000 Aeroplan points + First-year fee waived for you and 2 employees. Earn up to $1,900 in value. 10,000 pts on first purchase; 30,000 pts after spending $15k in 180 days; 20,000 pts after spending $25k in 365 days. Plus, a first-year annual fee rebate for the Primary Business Cardholder and first two Additional Cardholders.

Card highlights

Travel Medical Insurance First-Year Fee Waived Free Checked bag Mobile Device Insurance Car Rental Collision/Loss Damage Waiver Trip Cancellation/Interruption Insurance

Card essentials

Rates, fees and requirements

The important numbers, organized so they are easy to scan and compare.

Annual fee $0 first year Then $149 annually

Purchase APR 14.99% Regular purchase rate

Cash advance APR 22.99% Cash transaction rate

Balance transfer APR — When available

Foreign transaction fee — Foreign-currency purchases

Additional card fee $49 Supplementary cardholder

Before you apply

Eligibility snapshot

Recommended credit score —

Minimum personal income —

Minimum household income —

Approval, rates and credit limits are determined by the card provider.

View Terms & Conditions

Promotions & Limited-Time Offers

TD First Class Travel Visa Infinite Card

Annual fee $139$0 First year waived

Purchase APR 21.99%

Cash advance 22.99%

TD Canada Trust

Best for Travel Rewards Rewards

TD First Class Travel Visa Infinite Card

Best for Travel Rewards Rewards

How RateBuddy estimates this value A transparent first-year snapshot

Welcome-offer value Advertised value estimate, subject to eligibility and provider requirements $1,400

Estimated rewards from spending Based on $1,500 in monthly spending $396

First-year annual fee $139 first-year fee waiver applied ~~$139~~ $0

Estimated first-year card value Welcome value + spending rewards − first-year fee $1,796

View spending and reward-rate details

Spending category	Monthly spend	Rate	Annual value
Groceries	$450	3%	$162
Dining	$300	3%	$108
Gas and transit	$150	1%	$18
Travel	$75	4%	$36
Recurring bills	$75	2%	$18
Other purchases	$450	1%	$54

Rewards program TD Rewards

First year free

Earn up to 165,000 TD Rewards Points + First-year fee waived. Earn up to $1,400 in value. Earn 20,000 points on your first purchase. Earn 145,000 points when you spend $7,500 within 180 days. Plus, get a first-year annual fee rebate.

Card highlights

Airport Lounge Access Travel Medical Insurance First-Year Fee Waived Mobile Device Insurance Car Rental Collision/Loss Damage Waiver Trip Cancellation/Interruption Insurance

Card essentials

Rates, fees and requirements

The important numbers, organized so they are easy to scan and compare.

Annual fee $0 first year Then $139 annually

Purchase APR 21.99% Regular purchase rate

Cash advance APR 22.99% Cash transaction rate

Balance transfer APR — When available

Foreign transaction fee — Foreign-currency purchases

Additional card fee $50 Supplementary cardholder

Before you apply

Eligibility snapshot

Recommended credit score —

Minimum personal income $60,000

Minimum household income $100,000

Approval, rates and credit limits are determined by the card provider.

View Terms & Conditions

Promotions & Limited-Time Offers

Annual fee $199$0 First year waived

Purchase APR 21.99%

Cash advance 23.99%

BMO Bank of Montreal

Best for Travel Rewards Premium Rewards

BMO VIPorter World Elite Mastercard

Best for Travel Rewards Premium Rewards

How RateBuddy estimates this value A transparent first-year snapshot

Welcome-offer value Advertised value estimate, subject to eligibility and provider requirements $1,400

Estimated rewards from spending Based on $1,500 in monthly spending $306

First-year annual fee $199 first-year fee waiver applied ~~$199~~ $0

Estimated first-year card value Welcome value + spending rewards − first-year fee $1,706

View spending and reward-rate details

Spending category	Monthly spend	Rate	Annual value
Groceries	$450	2%	$108
Dining	$300	2%	$72
Gas and transit	$150	2%	$36
Travel	$75	3%	$27
Recurring bills	$75	1%	$9
Other purchases	$450	1%	$54

First year free

Up to $2,400 in value including 70,000 VIPorter points and a round-trip companion pass

Card highlights

Airport Lounge Access Travel Medical Insurance First-Year Fee Waived Car Rental Collision/Loss Damage Waiver Trip Cancellation/Interruption Insurance Extended Warranty Insurance

Card essentials

Rates, fees and requirements

The important numbers, organized so they are easy to scan and compare.

Annual fee $0 first year Then $199 annually

Purchase APR 21.99% Regular purchase rate

Cash advance APR 23.99% Cash transaction rate

Balance transfer APR — When available

Foreign transaction fee — Foreign-currency purchases

Additional card fee — Supplementary cardholder

Before you apply

Eligibility snapshot

Recommended credit score —

Minimum personal income $80,000

Minimum household income $150,000

Approval, rates and credit limits are determined by the card provider.

View Terms & Conditions

Promotions & Limited-Time Offers

Annual fee $139$0 First year waived

Purchase APR 21.99%

Cash advance 22.99%

TD Canada Trust

Best for Travel Rewards Rewards

TD Aeroplan Visa Infinite Card

Best for Travel Rewards Rewards

How RateBuddy estimates this value A transparent first-year snapshot

Welcome-offer value Advertised value estimate, subject to eligibility and provider requirements $1,450

Estimated rewards from spending Based on $1,500 in monthly spending $220.50

First-year annual fee $139 first-year fee waiver applied ~~$139~~ $0

Estimated first-year card value Welcome value + spending rewards − first-year fee $1,670.50

View spending and reward-rate details

Spending category	Monthly spend	Rate	Annual value
Groceries	$450	1.5%	$81
Dining	$300	1%	$36
Gas and transit	$150	1.5%	$27
Travel	$75	1.5%	$13.50
Recurring bills	$75	1%	$9
Other purchases	$450	1%	$54

Rewards program Aeroplan

First year free

Earn up to 45,000 Aeroplan points + First-year fee waived. Earn up to $1,450 in value. Get 10,000 points on first purchase. Get 15,000 points after spending $3,000 in 90 days. Get an anniversary bonus of 20,000 points after spending $12,000 in 12 months. Plus, get a first-year annual fee rebate.

Card highlights

Travel Medical Insurance First-Year Fee Waived Free Checked bag Mobile Device Insurance Car Rental Collision/Loss Damage Waiver Trip Cancellation/Interruption Insurance

Card essentials

Rates, fees and requirements

The important numbers, organized so they are easy to scan and compare.

Annual fee $0 first year Then $139 annually

Purchase APR 21.99% Regular purchase rate

Cash advance APR 22.99% Cash transaction rate

Balance transfer APR — When available

Foreign transaction fee — Foreign-currency purchases

Additional card fee $75 Supplementary cardholder

Before you apply

Eligibility snapshot

Recommended credit score —

Minimum personal income $60,000

Minimum household income $100,000

Approval, rates and credit limits are determined by the card provider.

View Terms & Conditions

Promotions & Limited-Time Offers

Annual fee $149$0 First year waived

Purchase APR 19.99%

Cash advance 22.99%

TD Canada Trust

Best for Travel Rewards Business Rewards

TD Business Travel Visa Card

Best for Travel Rewards Business Rewards

How RateBuddy estimates this value A transparent first-year snapshot

Welcome-offer value Advertised value estimate, subject to eligibility and provider requirements $1,300

Estimated rewards from spending Based on $1,500 in monthly spending $337.50

First-year annual fee $149 first-year fee waiver applied ~~$149~~ $0

Estimated first-year card value Welcome value + spending rewards − first-year fee $1,637.50

View spending and reward-rate details

Spending category	Monthly spend	Rate	Annual value
Groceries	$450	1%	$54
Dining	$300	3%	$108
Gas and transit	$150	3%	$54
Travel	$75	4.5%	$40.50
Recurring bills	$75	3%	$27
Other purchases	$450	1%	$54

Rewards program TD Rewards

First year free

Earn up to 200,000 TD Rewards Points + First-year fee waived for you and 4 employees. Earn up to $1,300 in value. 30,000 pts on first purchase; 120,000 pts after spending $15k in 180 days; 30,000 pts after spending $25k in 365 days; 20,000 pts on your 15-month anniversary. Plus, a first-year annual fee rebate for the Primary Cardholder and first four Additional Cardholders.

Card highlights

Travel Medical Insurance First-Year Fee Waived Car Rental Collision/Loss Damage Waiver Trip Cancellation/Interruption Insurance Extended Warranty Insurance Purchase Security Insurance

Card essentials

Rates, fees and requirements

The important numbers, organized so they are easy to scan and compare.

Annual fee $0 first year Then $149 annually

Purchase APR 19.99% Regular purchase rate

Cash advance APR 22.99% Cash transaction rate

Balance transfer APR — When available

Foreign transaction fee — Foreign-currency purchases

Additional card fee $49 Supplementary cardholder

Before you apply

Eligibility snapshot

Recommended credit score —

Minimum personal income —

Minimum household income —

Approval, rates and credit limits are determined by the card provider.

View Terms & Conditions

Promotions & Limited-Time Offers

BMO eclipse Visa Infinite Privilege Card

Annual fee $599

Purchase APR 21.99%

Cash advance 23.99%

BMO Bank of Montreal

Best for Travel Rewards Balance Transfer Premium

BMO eclipse Visa Infinite Privilege Card

Best for Travel Rewards Balance Transfer Premium

How RateBuddy estimates this value A transparent first-year snapshot

Welcome-offer value Advertised value estimate, subject to eligibility and provider requirements $1,500

Estimated rewards from spending Based on $1,500 in monthly spending $648

First-year annual fee Fee charged during the first year $599

Estimated first-year card value Welcome value + spending rewards − first-year fee $1,549

View spending and reward-rate details

Spending category	Monthly spend	Rate	Annual value
Groceries	$450	5%	$270
Dining	$300	5%	$180
Gas and transit	$150	5%	$90
Travel	$75	5%	$45
Recurring bills	$75	1%	$9
Other purchases	$450	1%	$54

Up to $2,300 including up to 200,000 points and NEXUS Statement Credit

Balance transfer: 0% Balance Transfer for 12 months (2% transfer fee).

Card highlights

Airport Lounge Access Travel Medical Insurance Mobile Device Insurance Car Rental Collision/Loss Damage Waiver Trip Cancellation/Interruption Insurance Extended Warranty Insurance

Card essentials

Rates, fees and requirements

The important numbers, organized so they are easy to scan and compare.

Annual fee $599 Primary cardholder

Purchase APR 21.99% Regular purchase rate

Cash advance APR 23.99% Cash transaction rate

Balance transfer APR — When available

Foreign transaction fee — Foreign-currency purchases

Additional card fee — Supplementary cardholder

Before you apply

Eligibility snapshot

Recommended credit score —

Minimum personal income $150,000

Minimum household income $200,000

Approval, rates and credit limits are determined by the card provider.

View Terms & Conditions

Promotions & Limited-Time Offers

Annual fee $599

Purchase APR 21.99%

Cash advance 21.99%

American Express(Canada)

Best for Travel Rewards Premium Rewards

American Express Aeroplan Reserve Card

Best for Travel Rewards Premium Rewards

How RateBuddy estimates this value A transparent first-year snapshot

Welcome-offer value Advertised value estimate, subject to eligibility and provider requirements $1,700

Estimated rewards from spending Based on $1,500 in monthly spending $267.75

First-year annual fee Fee charged during the first year $599

Estimated first-year card value Welcome value + spending rewards − first-year fee $1,368.75

View spending and reward-rate details

Spending category	Monthly spend	Rate	Annual value
Groceries	$450	1.25%	$67.50
Dining	$300	2%	$72
Gas and transit	$150	1.25%	$22.50
Travel	$75	3%	$27
Recurring bills	$75	1.25%	$11.25
Other purchases	$450	1.25%	$67.50

Rewards program Aeroplan

Metal card

Up to 85,000 Welcome Bonus Aeroplan points Enjoy Maple Leaf Lounge access, Annual Worldwide Companion Pass, and Priority Airport Services.

Card highlights

Airport Lounge Access Travel Medical Insurance Free Checked bag Car Rental Collision/Loss Damage Waiver Trip Cancellation/Interruption Insurance Extended Warranty Insurance

Card essentials

Rates, fees and requirements

The important numbers, organized so they are easy to scan and compare.

Annual fee $599 Primary cardholder

Purchase APR 21.99% Regular purchase rate

Cash advance APR 21.99% Cash transaction rate

Balance transfer APR — When available

Foreign transaction fee — Foreign-currency purchases

Additional card fee — Supplementary cardholder

Before you apply

Eligibility snapshot

Recommended credit score —

Minimum personal income —

Minimum household income —

Approval, rates and credit limits are determined by the card provider.

View Terms & Conditions

Showing 10 of 30 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

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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.

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Frequently Asked Questions

Common questions about Compare Active Deals & Offers 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.

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.

It can be, depending on your usage. Premium cards with annual fees often come with higher reward earn rates, comprehensive insurance, and perks like lounge access. If the value of the rewards and benefits you utilize exceeds the cost of the fee, the card may offer a positive net value.

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.

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).

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.

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