Find the best credit card in Canada for your spending.
Compare cashback, travel, and no-fee cards. Our transparent scoring helps you choose with confidence.
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Our Top Picks
Hand-picked credit cards that stand out for value, rewards, and features.
Best No-Fee Cashback
Tangerine Money-Back Credit Card
MastercardTangerine · No annual fee
Earn 10% cashback on purchases
no-feecashbackgroceriesgas
Pros
- +No annual fee ever
- +Choose your own 2% cashback categories
- +Simple and flexible rewards structure
Cons
- –Only 0.50% on non-category spending
- –Mastercard network (fewer airport lounges)
Best for Dining
American Express Cobalt Card
AmexAmerican Express · $156/year
Earn up to 30,000 Membership Rewards points
dininggroceriestravelfood-delivery
Pros
- +Industry-leading 5x on dining and food delivery
- +Monthly fee structure is easier to manage
- +Amex Membership Rewards points are very flexible
Cons
- –Annual fee of ~$156
- –Amex not accepted everywhere in Canada
Best Cashback Overall
Scotia Momentum Visa Infinite Card
VisaScotiabank · $120/year
Earn 10% cashback for 3 months
cashbackgroceriesgasdining
Pros
- +Excellent 4% grocery cashback rate
- +Good coverage across categories
- +Visa Infinite benefits and insurance
Cons
- –$120 annual fee
- –Need to spend enough on groceries to offset fee
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