Credit Cards
Canadian credit cards
A neutral hub for major Canadian credit cards: their rewards, annual fees, and FX handling. The first in-depth reviews are live, with more reviews and side-by-side comparisons being built out.
Data freshness
13 of 13 cards have structured source checks
Most recent check: Aug 4, 2026.
Chasing a welcome bonus?
Many of these cards run signup promos. Enter your monthly spend in the welcome-bonus calculator to rank the offers you can actually qualify for, net of the first-year fee.
Wealthsimple
Wealthsimple Credit Card
Flat 2% cash back with no FX fee, in two tiers (Visa Infinite + and Visa Infinite Privilege).
Highlights
- 2% unlimited cash back on purchases, redeemed manually in-app to a Wealthsimple account.
- No Wealthsimple foreign-transaction (FX) fee on purchases in another currency.
- $240/yr fee (billed $20/month, or annually for Quebec residents) is waived with a qualifying $4,000/month direct deposit, or $100k+ in eligible individual net deposits/assets.
- The 2% card has two tiers, assigned by Wealthsimple. You qualify for a tier by meeting at least one of four criteria: for Visa Infinite + that is income $80k+/$150k+ household, $25k+ annual spend, or $300k+ in assets at Wealthsimple; Visa Infinite Privilege uses the same criteria at higher levels ($150k+/$200k+ income, $50k+ spend, or $400k+ assets). Clients who do not qualify for the 2% card may be offered a separate, free Visa Infinite 1% card (invite-only beta).
- The Privilege tier adds airport lounge access and higher travel-insurance limits over Infinite + (some insurance benefits are not available to Quebec residents); a complimentary concierge comes with both tiers.
Best for: Wealthsimple clients who want flat-rate cash back, no foreign-transaction surcharge, and a fee they can waive with a direct deposit.
American Express
Review coming soonAmerican Express Cobalt Card
A points-forward everyday card built around eats, drinks, and flexible transfers.
Highlights
- Earns Membership Rewards points that can transfer to airline partners including Aeroplan.
- Billed as a monthly fee for most provinces; Quebec residents are charged a single annual fee.
- Welcome-bonus value is modelled separately in the welcome-bonus calculator.
Best for: Spenders who put groceries and dining on one card and want transferable Membership Rewards points.
American Express
Review coming soonAmerican Express Platinum Card
A premium travel charge card whose value leans on lifestyle credits and transfer partners.
Highlights
- It's a charge card, not a revolving credit card, so the balance is due in full each month and there is no preset spending limit.
- Membership Rewards points transfer to partners including Aeroplan.
- Lifestyle credits can offset the fee for travellers who use them; this hub does not count them as cash.
- Premium-travel benefits including lounge access and concierge.
Best for: Frequent travellers who will actually use the travel and dining credits and lounge access.
BMO
Review coming soonBMO eclipse Visa Infinite Card
A category-bonus travel card with a recurring lifestyle credit.
Highlights
- Earns BMO Rewards points with category multipliers on common spend.
- First-year primary annual fee is commonly rebated on the public offer.
- BMO Rewards redeem for travel at a fixed rate; no transfer partners.
Best for: Spenders who want accelerated earn on everyday categories and a first-year fee rebate.
CIBC
Review coming soonCIBC Aeroplan Visa Infinite Privilege Card
A high-end Aeroplan co-brand aimed at frequent Air Canada flyers.
Highlights
- Earns Aeroplan points usable across Air Canada and Star Alliance partners.
- Privilege tier carries a higher minimum-income requirement.
- Premium Aeroplan travel benefits; ongoing earn is outside welcome-bonus value.
Best for: Air Canada loyalists who value Aeroplan status perks and have the income to qualify.
Scotiabank
Review coming soonScotiabank Gold American Express Card
A Scene+ earner with no foreign-transaction fee and strong grocery and dining multipliers.
Highlights
- Earns Scene+ points with accelerated earn on groceries, dining, and entertainment.
- No foreign-transaction fee on purchases in another currency.
- Scene+ redeems at a cash-equivalent rate; no premium-cabin transfer upside.
Best for: Spenders who want category bonuses, Scene+ value, and no FX surcharge on foreign purchases.
TD
Review coming soonTD Aeroplan Visa Infinite Privilege Card
TD's top Aeroplan co-brand for committed Air Canada travellers.
Highlights
- Earns Aeroplan points usable across Air Canada and Star Alliance partners.
- Privilege tier carries a higher minimum-income requirement.
- Aeroplan co-brand travel benefits; verify current terms before applying.
Best for: Frequent Air Canada flyers who want Aeroplan status perks through a major bank.
American Express
Review coming soonAmerican Express Aeroplan Reserve Card
Amex's top Aeroplan co-brand, built around lounge access and a companion pass.
Highlights
- Up to 85,000 Aeroplan points on the current offer; 60,000 come after $7,500 of spend in the first 3 months.
- Unlimited Air Canada Maple Leaf Lounge access when flying Air Canada, plus a worldwide companion pass after $25,000 in annual spend.
- Aeroplan points transfer across Air Canada and Star Alliance partners.
Best for: Air Canada loyalists who want lounge access and a large Aeroplan welcome bonus.
Scotiabank
Review coming soonScotiabank Passport Visa Infinite+ Card
A no-FX-fee Scene+ travel card with lounge access and comprehensive travel insurance.
Highlights
- No foreign-transaction fee on purchases in another currency.
- Six complimentary airport-lounge passes plus broad travel insurance.
- Current offer is up to 35,000 Scene+ points: 25,000 after $2,000 in the first 3 months, plus the recurring 10,000-point annual bonus after $40,000 of spend.
Best for: Travellers who want no foreign-transaction fee, airport-lounge access, and Scene+ earning.
CIBC
Review coming soonCIBC Dividend Visa Infinite Card
A category cash-back leader with strong grocery and gas earn and a first-year fee rebate.
Highlights
- Earns 4% cash back on gas, EV charging, and groceries; 2% on dining, transport, and recurring bills.
- Welcome offer is up to $250 cash back plus a first-year annual fee rebate.
- Cash back is redeemed as a statement credit; no travel-transfer upside.
Best for: Households with heavy grocery and gas spending who want flat cash back, not points.
American Express
Review coming soonAmerican Express Aeroplan Card
The entry-level Amex Aeroplan co-brand for flexible Aeroplan earning.
Highlights
- Earns Aeroplan points that transfer across Air Canada and Star Alliance partners.
- Up to 45,000 Aeroplan points on the current offer; calculator counts the 35,000-point year-1 tranche.
- No first-year fee waiver; the mid-tier alternative to the Reserve card.
Best for: Air Canada flyers who want Aeroplan points on an Amex without a premium annual fee.
American Express
Review coming soonMarriott Bonvoy American Express Card
A hotel co-brand built around an annual free night and Marriott Bonvoy earning.
Highlights
- Earns 5x Marriott Bonvoy points at participating Marriott hotels, 2x elsewhere.
- Annual Free Night Award (redemption value up to 35,000 points) plus 15 Elite Night Credits each year.
- Up to 110,000 Bonvoy points on an elevated offer ending September 22, 2026; calculator counts the 80,000-point year-1 tranche.
Best for: Marriott guests who want an annual free night and hotel points, not airline miles.
TD
Review coming soonTD First Class Travel Visa Infinite Card
TD's flagship TD Rewards travel card, with a large headline welcome bonus and lounge access.
Highlights
- Up to 146,000 TD Rewards points on the current offer, plus a first-year annual fee rebate.
- TD Rewards redeem at about 0.5cpp through Expedia For TD, which is why the headline point count is high.
- Includes an annual travel credit and four complimentary airport-lounge visits.
Best for: TD clients who book travel through Expedia For TD and want a big first-year point haul.
What's coming
More reviews and comparisons are in progress
This hub is the foundation for the credit-card section. The next layer will add more individual reviews and side-by-side comparisons that separate ongoing card value (rewards rate, fees, and FX) from temporary welcome bonuses.