Canadian credit-card terms

See what a card really offers, and how it changed.

Sign-up bonuses, fees and rates for 131 Canadian cards, dated and on record. All figures in CAD. Each card ranked at its latest capture, July 12, 2026–August 23, 2026.

Best Aeroplan sign-up bonuses

Card	pts	Fee
CIBC Aeroplan Visa Infinite Privilege Card CIBC	100,000 pts	C$599
TD Aeroplan Visa Infinite Privilege Card TD	85,000 pts	C$599
American Express Aeroplan Reserve Card American Express	85,000 pts	C$599
CIBC Aeroplan Visa Infinite Card CIBC	50,000 pts	C$139
American Express Aeroplan Card American Express	45,000 pts	C$120
TD Aeroplan Visa Infinite Card TD	40,000 pts	C$139

Best CU Rewards sign-up bonuses

Card	pts	Fee
Meridian Visa Infinite Travel Rewards Card Meridian	10,000 pts	C$99
Meridian Visa Infinite Cash Back Card Meridian	10,000 pts	C$99
Meridian Visa Cash Back Card Meridian	10,000 pts	C$0
Meridian Visa Platinum Cash Back Card Meridian	10,000 pts	C$49
Meridian Visa Platinum Travel Rewards Card Meridian	10,000 pts	C$49
Meridian Visa US Dollar Card Meridian	10,000 pts	C$65

Best Scene+ sign-up bonuses

Card	pts	Fee
Scotiabank American Express Platinum Card Scotiabank	100,000 pts	C$399
Scotiabank Gold American Express Card Scotiabank	50,000 pts	C$120
Scotiabank Passport Visa Infinite + Card Scotiabank	35,000 pts	C$150
Scotiabank American Express Card Scotiabank	10,000 pts	C$0
Scotiabank Scene+ Visa Card (for students) Scotiabank	5,000 pts	C$0
Scotiabank Scene+ Visa Card Scotiabank	5,000 pts	C$0

Best BMO Rewards sign-up bonuses

Card	pts	Fee
BMO eclipse Visa Infinite Privilege Card BMO	200,000 pts	C$599
BMO eclipse Visa Infinite Card BMO	70,000 pts	C$120
BMO Blue Rewards Mastercard BMO	20,000 pts	C$0
BMO eclipse rise Visa Card BMO	20,000 pts	C$0
BMO Rewards Mastercard BMO	10,000 pts	C$0

Best RBC Avion sign-up bonuses

Card	pts	Fee
RBC Avion Visa Infinite Privilege RBC	100,000 pts	C$399
RBC Avion Visa Infinite RBC	70,000 pts	C$120
RBC Avion Visa Platinum RBC	70,000 pts	C$120
RBC ION+ Visa RBC	28,000 pts	C$48
RBC ION Visa RBC	14,000 pts	C$0

Best CIBC Aventura sign-up bonuses

Card	pts	Fee
CIBC Aventura Visa Infinite Privilege Card CIBC	80,000 pts	C$499
CIBC Aventura Visa Infinite Card CIBC	35,000 pts	C$139
CIBC Aventura Gold Visa Card CIBC	35,000 pts	C$139
CIBC Aventura Visa Card CIBC	12,500 pts	C$0

Best Membership Rewards sign-up bonuses

Card	pts	Fee
The Platinum Card American Express	100,000 pts	C$799
American Express Gold Rewards Card American Express	60,000 pts	C$250
American Express Cobalt Card American Express	15,000 pts	C$191.88
American Express Green Card American Express	10,000 pts	C$0

Best VIPorter points sign-up bonuses

Card	pts	Fee
BMO VIPorter World Elite Mastercard BMO	70,000 pts	C$199
BMO VIPorter World Mastercard BMO	40,000 pts	C$89
BMO VIPorter Mastercard BMO	40,000 pts	C$89

Best cash sign-up bonuses

Card	Value	Fee
SimplyCash Preferred Card from American Express American Express	C$400	C$119.88
RBC Cash Back Preferred World Elite Mastercard RBC	C$240	C$99
CIBC Dividend Visa Infinite Card CIBC	C$200	C$120
CIBC Dividend Platinum Visa Card CIBC	C$200	C$99
SimplyCash Card from American Express American Express	C$100	C$0
Simplii Financial Cash Back Visa Card Simplii	C$100	C$0
Cash Back World Elite Mastercard Desjardins	C$100	C$100
TD Cash Back Visa Card TD	C$100	C$0
Tangerine Money-Back Credit Card Tangerine	C$100	C$0
Tangerine Money-Back World Mastercard Tangerine	C$100	C$0
Rogers Red Mastercard Rogers Bank	C$60	—
Rogers Red World Legend Mastercard Rogers Bank	C$60	—

Lowest purchase APR

Card	Value	Fee
National Bank Syncro Mastercard National Bank	8.9%	C$35
Scotiabank American Express Platinum Card Scotiabank	9.99%	C$399
Flexi Visa Desjardins	10.9%	C$0
MBNA True Line Gold Mastercard MBNA	10.99%	C$39
Odyssey Visa Infinite Privilege Desjardins	11.9%	C$295
Servus Low Rate Mastercard Servus	12.99%	C$30
RBC Visa Classic Low Rate RBC	12.99%	C$20
MBNA True Line Mastercard MBNA	12.99%	C$0
American Express Essential Credit Card American Express	12.99%	C$25
Scotiabank Value Visa Card Scotiabank	13.99%	C$29
BMO Preferred Rate Mastercard BMO	13.99%	C$29
CIBC Select Visa Card CIBC	13.99%	C$29
Meridian Visa Infinite Cash Back Card Meridian	19.5%	C$99
Meridian Visa Platinum Cash Back Card Meridian	19.5%	C$49
Meridian Visa US Dollar Card Meridian	19.5%	C$65

No foreign-transaction fee

Card	Value	Fee
Home Trust Equityline Visa Home Trust	0%	C$0
Home Trust Preferred Visa Home Trust	0%	C$0
Wealthsimple Credit Card Wealthsimple	0%	C$0

Showing the 8 points programs with the widest coverage; 9 more are tracked and appear in the full card list below.

Sign-up bonuses are ranked within a points currency. 131 cards across several programs means a raw points total is not comparable between them \u2014 100,000 of one program is not 100,000 of another, and what a point is worth is an opinion we keep out of the numbers.

All cards

American Express

American Express Aeroplan Card fee C$120 · purchase — · SUB 45,000 Aeroplan
American Express Aeroplan Reserve Card fee C$599 · purchase 21.99% · SUB 85,000 Aeroplan
American Express Cobalt Card fee C$191.88 · purchase 21.99% · SUB 15,000 Membership Rewards
American Express Essential Credit Card fee C$25 · purchase 12.99% · SUB —
American Express Gold Rewards Card fee C$250 · purchase 21.99% · SUB 60,000 Membership Rewards
American Express Green Card fee C$0 · purchase 21.99% · SUB 10,000 Membership Rewards
Marriott Bonvoy American Express Card fee C$120 · purchase 21.99% · SUB 110,000 Marriott Bonvoy
SimplyCash Card from American Express fee C$0 · purchase 21.99% · SUB C$100 cash
SimplyCash Preferred Card from American Express fee C$119.88 · purchase 21.99% · SUB C$400 cash
The Platinum Card fee C$799 · purchase — · SUB 100,000 Membership Rewards

BMO

BMO Ascend World Elite Mastercard fee C$150 · purchase 21.99% · SUB —
BMO Blue Rewards Mastercard fee C$0 · purchase 21.99% · SUB 20,000 BMO Rewards
BMO Blue Rewards World Elite Mastercard fee C$150 · purchase 21.99% · SUB —
BMO CashBack Mastercard fee C$0 · purchase 21.99% · SUB —
BMO CashBack World Elite Mastercard fee C$139 · purchase 21.99% · SUB —
BMO eclipse rise Visa Card fee C$0 · purchase 21.99% · SUB 20,000 BMO Rewards
BMO eclipse Visa Infinite Card fee C$120 · purchase 21.99% · SUB 70,000 BMO Rewards
BMO eclipse Visa Infinite Privilege Card fee C$599 · purchase 21.99% · SUB 200,000 BMO Rewards
BMO Rewards Mastercard fee C$0 · purchase 21.99% · SUB 10,000 BMO Rewards
BMO VIPorter Mastercard fee C$89 · purchase 21.99% · SUB 40,000 VIPorter points
BMO VIPorter World Elite Mastercard fee C$199 · purchase 21.99% · SUB 70,000 VIPorter points
BMO VIPorter World Mastercard fee C$89 · purchase 21.99% · SUB 40,000 VIPorter points
BMO Preferred Rate Mastercard fee C$29 · purchase 13.99% · SUB —
Student BMO CashBack Mastercard fee C$0 · purchase 21.99% · SUB —
BMO U.S. Dollar Mastercard fee C$49 · purchase 21.99% · SUB —

Brim

Brim Mastercard fee C$0 · purchase — · SUB —
Brim World Elite Mastercard fee C$89 · purchase — · SUB —

CIBC

CIBC Adapta Mastercard fee C$0 · purchase 21.99% · SUB —
CIBC Aeroplan Visa Card fee C$0 · purchase 21.99% · SUB 10,000 Aeroplan
CIBC Aeroplan Visa Infinite Card fee C$139 · purchase 21.99% · SUB 50,000 Aeroplan
CIBC Aeroplan Visa Infinite Privilege Card fee C$599 · purchase 21.99% · SUB 100,000 Aeroplan
CIBC Aventura Gold Visa Card fee C$139 · purchase 21.99% · SUB 35,000 CIBC Aventura
CIBC Aventura Visa Card fee C$0 · purchase 21.99% · SUB 12,500 CIBC Aventura
CIBC Aventura Visa Infinite Card fee C$139 · purchase 21.99% · SUB 35,000 CIBC Aventura
CIBC Aventura Visa Infinite Privilege Card fee C$499 · purchase 21.99% · SUB 80,000 CIBC Aventura
CIBC Classic Visa Card fee C$0 · purchase 21.99% · SUB —
CIBC Costco Mastercard fee C$0 · purchase 21.75% · SUB —
CIBC Dividend Visa Card fee C$0 · purchase 21.99% · SUB —
CIBC Dividend Visa Infinite Card fee C$120 · purchase 21.99% · SUB C$200 cash
CIBC Dividend Platinum Visa Card fee C$99 · purchase 21.99% · SUB C$200 cash
CIBC Select Visa Card fee C$29 · purchase 13.99% · SUB —

Canadian Tire

Triangle Mastercard fee C$0 · purchase 21.99% · SUB —
Triangle World Elite Mastercard fee C$0 · purchase 21.99% · SUB —

Desjardins

Bonus Visa fee C$0 · purchase 20.9% · SUB —
Cash Back Mastercard fee C$0 · purchase 20.9% · SUB —
Cash Back Visa fee C$0 · purchase 20.9% · SUB —
Cash Back World Elite Mastercard fee C$100 · purchase 20.9% · SUB C$100 cash
Flexi Visa fee C$0 · purchase 10.9% · SUB —
Odyssey Gold Visa fee C$110 · purchase 20.9% · SUB —
Odyssey Visa Infinite Privilege fee C$295 · purchase 11.9% · SUB —
Odyssey World Elite Mastercard fee C$130 · purchase 20.9% · SUB —

Home Trust

Home Trust Equityline Visa fee C$0 · purchase — · SUB —
Home Trust Preferred Visa fee C$0 · purchase 21.99% · SUB —
Home Trust Secured Visa fee C$0 · purchase 19.99% · SUB —

MBNA

Amazon.ca Rewards Mastercard fee C$0 · purchase 21.74% · SUB —
MBNA Rewards Platinum Plus Mastercard fee C$0 · purchase 21.99% · SUB 5,000 MBNA Rewards
MBNA Rewards World Elite Mastercard fee C$120 · purchase 21.99% · SUB 20,000 MBNA Rewards
MBNA Smart Cash Platinum Plus Mastercard fee C$0 · purchase 21.99% · SUB —
MBNA Smart Cash World Mastercard fee C$39 · purchase 21.99% · SUB —
MBNA True Line Gold Mastercard fee C$39 · purchase 10.99% · SUB —
MBNA True Line Mastercard fee C$0 · purchase 12.99% · SUB —

Meridian

Meridian Visa Cash Back Card fee C$0 · purchase 19.5% · SUB 10,000 CU Rewards
Meridian Visa Infinite Cash Back Card fee C$99 · purchase 19.5% · SUB 10,000 CU Rewards
Meridian Visa Infinite Travel Rewards Card fee C$99 · purchase 19.5% · SUB 10,000 CU Rewards
Meridian Visa Platinum Cash Back Card fee C$49 · purchase 19.5% · SUB 10,000 CU Rewards
Meridian Visa Platinum Travel Rewards Card fee C$49 · purchase 19.5% · SUB 10,000 CU Rewards
Meridian Visa US Dollar Card fee C$65 · purchase 19.5% · SUB 10,000 CU Rewards

National Bank

National Bank Allure Mastercard fee C$0 · purchase 20.99% · SUB —
National Bank mycredit Mastercard fee C$0 · purchase 20.99% · SUB —
National Bank Platinum Mastercard fee C$70 · purchase 20.99% · SUB —
National Bank Syncro Mastercard fee C$35 · purchase 8.9% · SUB —
National Bank World Elite Mastercard fee C$150 · purchase 20.99% · SUB —

Neo Financial

Neo Mastercard fee — · purchase — · SUB —
Neo Secured Mastercard fee — · purchase — · SUB —
United Neo World Elite Mastercard fee C$89 · purchase — · SUB 25,000 United MileagePlus miles
Neo World Elite Mastercard fee C$149 · purchase — · SUB —
Neo World Mastercard retired fee C$0 · purchase — · SUB —

PC Financial

PC Insiders World Elite Mastercard fee C$120 · purchase 21.99% · SUB 50,000 PC Optimum
PC Mastercard fee C$0 · purchase 21.99% · SUB —
PC World Elite Mastercard fee C$0 · purchase 21.99% · SUB 50,000 PC Optimum

RBC

RBC Avion Visa Infinite fee C$120 · purchase 20.99% · SUB 70,000 RBC Avion
RBC Avion Visa Infinite Privilege fee C$399 · purchase 20.99% · SUB 100,000 RBC Avion
RBC British Airways Visa Infinite fee C$165 · purchase 20.5% · SUB 60,000 Avios
Moi RBC Visa fee C$0 · purchase 20.99% · SUB —
RBC More Rewards Visa fee C$0 · purchase 20.99% · SUB 20,000 More Rewards
RBC More Rewards Visa Infinite fee C$0 · purchase 20.99% · SUB 20,000 More Rewards
RBC Cash Back Mastercard fee C$0 · purchase 20.99% · SUB —
RBC ION+ Visa fee C$48 · purchase 20.99% · SUB 28,000 RBC Avion
RBC ION Visa fee C$0 · purchase 20.99% · SUB 14,000 RBC Avion
RBC Cash Back Preferred World Elite Mastercard fee C$99 · purchase 20.99% · SUB C$240 cash
RBC RateAdvantage Visa fee C$0 · purchase — · SUB —
RBC U.S. Dollar Visa Gold fee C$65 · purchase 20.99% · SUB —
RBC Visa Classic Low Rate fee C$20 · purchase 12.99% · SUB —
RBC Visa Platinum fee C$0 · purchase 20.99% · SUB —
RBC Avion Visa Platinum fee C$120 · purchase 20.99% · SUB 70,000 RBC Avion
WestJet RBC Mastercard fee C$39 · purchase 20.99% · SUB 15,000 WestJet Rewards
WestJet RBC World Elite Mastercard fee C$139 · purchase 20.99% · SUB 70,000 WestJet Rewards

Rogers Bank

Rogers Red Mastercard fee — · purchase 19.99% · SUB C$60 cash
Rogers Red World Elite Mastercard fee — · purchase — · SUB —
Rogers Red World Legend Mastercard fee — · purchase 19.99% · SUB C$60 cash
Rogers Red World Mastercard fee — · purchase — · SUB —

Scotiabank

Scotiabank Gold American Express Card fee C$120 · purchase 21.99% · SUB 50,000 Scene+
Scotia Momentum Mastercard fee C$0 · purchase 20.99% · SUB —
Scotia Momentum No-Fee Visa Card fee C$0 · purchase 20.99% · SUB —
Scotia Momentum Visa Card fee C$49 · purchase 20.99% · SUB —
Scotiabank Momentum Visa Infinite Card fee C$120 · purchase 20.99% · SUB —
Scotiabank American Express Card fee C$0 · purchase 21.99% · SUB 10,000 Scene+
Scotiabank Passport Visa Infinite + Card fee C$150 · purchase 20.99% · SUB 35,000 Scene+
Scotiabank American Express Platinum Card fee C$399 · purchase 9.99% · SUB 100,000 Scene+
Scotiabank Scene+ Visa Card fee C$0 · purchase 21.99% · SUB 5,000 Scene+
Scotiabank Scene+ Visa Card (for students) fee C$0 · purchase 21.99% · SUB 5,000 Scene+
Scotiabank Value Visa Card fee C$29 · purchase 13.99% · SUB —

Servus

Servus Gold Mastercard fee C$75 · purchase 20.99% · SUB 5,000 Servus Circle Rewards
Servus Low Rate Mastercard fee C$30 · purchase 12.99% · SUB —
Servus No Fee Mastercard fee C$0 · purchase 20.99% · SUB —
Servus World Elite Mastercard fee C$150 · purchase 20.99% · SUB 25,000 Servus Circle Rewards

Simplii

Simplii Financial Cash Back Visa Card fee C$0 · purchase 21.99% · SUB C$100 cash

TD Aeroplan Visa Infinite Card fee C$139 · purchase 21.99% · SUB 40,000 Aeroplan
TD Aeroplan Visa Infinite Privilege Card fee C$599 · purchase 21.99% · SUB 85,000 Aeroplan
TD Aeroplan Visa Platinum Card fee C$89 · purchase 21.99% · SUB 20,000 Aeroplan
TD Cash Back Visa Card fee C$0 · purchase 21.99% · SUB C$100 cash
TD Cash Back Visa Infinite Card fee C$139 · purchase 21.99% · SUB —
TD First Class Travel Visa Infinite Card fee C$139 · purchase 21.99% · SUB 146,000 TD Rewards
TD Low Rate Visa Card fee C$25 · purchase — · SUB —
TD Platinum Travel Visa Card fee C$89 · purchase 21.99% · SUB 50,000 TD Rewards
TD Rewards Visa Card fee C$0 · purchase 21.99% · SUB —
TD U.S. Dollar Visa Card fee — · purchase 21.99% · SUB —

Tangerine

Tangerine Money-Back Credit Card fee C$0 · purchase 20.95% · SUB C$100 cash
Tangerine Rewards World Elite Mastercard fee C$120 · purchase 20.95% · SUB —
Tangerine Money-Back World Mastercard fee C$0 · purchase 20.95% · SUB C$100 cash

Wealthsimple

Wealthsimple Credit Card fee C$0 · purchase 20.99% · SUB —