Who it's for: Best for Canadians who frequently spend on gas and groceries and prefer straightforward cashback rewards.
- Annual fee No annual fee
- Rewards 2%
- APR 21.99%
Counter advice, no bank jargon
Which card is right for you? Ask at the counter.
Tell us your situation. We show the real yearly cost first, then the perks — and say plainly who should skip a card.
Take a number: what is your situation?
Recently added
Who it's for: Best for those who travel frequently and can leverage the rewards for flights and upgrades.
- Annual fee CA$120
- Rewards 1%
- APR 20.99%
Who it's for: Best suited for Canadians looking to minimize interest charges on carried balances.
- Annual fee CA$25
- Rewards —
- APR 12.9%
Who it's for: Ideal for those who frequently spend on dining and entertainment, looking to maximize rewards through Scene+.
- Annual fee CA$120
- Rewards 5%
- APR 21.99%
Who it's for: TD Bank customers building credit
- Annual fee No annual fee
- Rewards —
- APR 19.99%
Who it's for: Individuals with good credit seeking to earn cash back rewards on everyday purchases while traveling.
- Annual fee CA$139
- Rewards —
- APR 21.99%
MBNA True Line Mastercard
MastercardWho it's for: Best for consumers needing to consolidate debt or those who carry a balance month to month due to its low interest rates.
- Annual fee No annual fee
- Rewards —
- APR 12.99%
Who it's for: Best suited for frequent travelers who can leverage the card's travel rewards and benefits.
- Annual fee CA$139
- Rewards 2%
- APR 21.99%
Who it's for: Canadians with bad credit wanting dual-bureau reporting
- Annual fee CA$48
- Rewards —
- APR 17.99%
Rogers World Elite Mastercard
MastercardWho it's for: Best for Canadians who travel to the U.S. or make significant purchases in USD.
- Annual fee No annual fee
- Rewards 3%
- APR 20.99%
Who it's for: Best for those who dine out frequently and spend on groceries, maximizing their rewards potential.
- Annual fee CA$191.88
- Rewards 5%
- APR 21.99%
Secured Neo Mastercard
MastercardWho it's for: Canadians looking for the lowest barrier to entry for a secured card that also earns rewards.
- Annual fee CA$96
- Rewards 1%
- APR 19.99%
Neo World Elite Mastercard
MastercardWho it's for: High-income Canadians with excellent credit scores who want to maximize cashback on everyday purchases.
- Annual fee CA$125
- Rewards 5%
- APR 19.99%
Who it's for: Budget-conscious Canadians who want a simple, fee-free secured card focused purely on credit building.
- Annual fee No annual fee
- Rewards —
- APR 19.99%
Who it's for: Best for students wanting to earn cashback on everyday grocery purchases without incurring fees.
- Annual fee No annual fee
- Rewards 2%
- APR 21.99%
Capital One Guaranteed Mastercard
MastercardWho it's for: This card is best for individuals with no credit history or those looking to improve their credit score.
- Annual fee CA$59
- Rewards —
- APR 21.9%
BMO CashBack Mastercard
MastercardWho it's for: Best for consumers who primarily spend on groceries and want to avoid annual fees.
- Annual fee No annual fee
- Rewards 3%
- APR 21.99%
Who it's for: Canadian newcomers wanting to start with a major bank
- Annual fee No annual fee
- Rewards —
- APR 19.99%
BMO CashBack Mastercard for Students
MastercardWho it's for: Best for students who want to earn cashback on everyday purchases without incurring annual fees.
- Annual fee No annual fee
- Rewards 3%
- APR 21.99%
Who it's for: Newcomers wanting to build credit with a major Canadian bank
- Annual fee CA$35
- Rewards —
- APR 19.99%