Credit Cards
Canadian credit cards
A neutral hub for major Canadian credit cards: how each one earns, what it costs a year, and what it charges on foreign-currency purchases. Full reviews link from the cards that have one.
Data freshness
13 of 13 cards have structured source checks
Most recent check: Aug 4, 2026. 1 card expires within 30 days.
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
American 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
American 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
BMO 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
CIBC 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
Scotiabank 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
TD 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
American 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
Scotiabank 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
CIBC 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
American 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
Marriott 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
TD 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.