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Compare Canadian Credit Cards

Find the best credit card for your needs by answering a few questions

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What kind of user are you?

Enter your monthly expenses and get an estimate of your rewards for each credit card

🌮 Restaurant
⛽️ Gas
🎉 Entertainment
🛒 Groceries
Other
Total
$2,250.00
157 results
CIBC Aeroplan Visa Infinite Card

$1,608.00/ year

Estimated Rewards

based on your spending taking into account annual fees. After the first year, rewards will be $569.00 taking into account annual fees.}

Annual Fee$139
Additional Card$50/year (maximum 3)
Interest rate on purchases20.99%
Cash Advance22.99%
Balance Transfer22.99%
Card CategoriesReward
Card User TypesPersonal
Required Income$60,000 (individual); OR
$100,000 (household)
Rewards1.5 Aeroplan point per $1 : , Air Canada, gas and groceries;
1 Aeroplan point per $1 : Other purchases;
Earn points twice at Aeroplan partner brands
Insurances
📆 Extended warranty🛍 Purchase protection📵 Mobile device insurance🦷 Travel accident🏥 Medical emergency⚡️ Trip interruption❌ Trip cancellation⏱ Flight delay💨 Hotel or motel burglary🚗 Auto rental coverage
Learn more
Earn up to $1,200 in value* including up to 45,000 Aeroplan points. *Conditions Apply.CIBC logo
RBC Avion Visa Infinite

$1,520.00/ year

Estimated Rewards

based on your spending taking into account annual fees. After the first year, rewards will be $420.00 taking into account annual fees.}

Annual Fee$120
Additional Card$ 50/year
Interest rate on purchases20.99%
Cash Advance22.99%
Balance Transfer22.99%
Card CategoriesReward
Card User TypesPersonal
Required Income$ 60,000 (individual) OR;
$ 100,000 (household)
Rewards1 Avion point for 1 $*;
25% more points with travels purchases*;
3 ¢ off per litre on gas at Petro-Canada*.
Insurances
📵 Mobile device insurance❌ Trip cancellation⚡️ Trip interruption🏥 Medical emergency🦷 Travel accident🚗 Auto rental coverage🛍 Purchase protection📆 Extended warranty⏱ Flight delay💨 Hotel or motel burglary📆 Extended warranty
Legal Note*Conditions apply. Refer to RBC page for up to date offer terms and conditions
Learn more
Get 35,000 Avion points*, that’s enough to fly anywhere in North America or the Caribbean! Apply online and get a response in as little as 60 seconds. * Conditions apply.RBC logo
CIBC Aventura Visa Infinite Privilege Card

$1,273.75/ year

Estimated Rewards

based on your spending taking into account annual fees. After the first year, rewards will be $509.75 taking into account annual fees.}

Annual Fee$ 499
Additional Card$ 99/year (maximum 9)
Interest rate on purchases20.99%
Cash Advance22.99%
Balance Transfer22.99%
Card CategoriesReward
Card User TypesPersonal
Required Income$ 150,000 (individual) OR; $ 200,000 (household)
Recommended Credit ScoreExcellent
Rewards3 Aventura points per $ 1 : Travel purchased through the CIBC Rewards Centre;
2 Aventura points per $ 1 : Restaurent, Gas, Grocery, Entertainment and Transportation;
1.5 Aventura points per $ 1 : Other purchases
Insurances
🚗 Auto rental coverage🛍 Purchase protection📆 Extended warranty📵 Mobile device insurance⚡️ Trip interruption🦷 Travel accident⏱ Flight delay❌ Trip cancellation💨 Hotel or motel burglary🏥 Medical emergency
Learn more
Receive up to 80,000 Aventura points. Offer expires in September 30, 2023. Conditions apply.CIBC logo
CIBC Aventura Gold Visa Card

$1,179.20/ year

Estimated Rewards

based on your spending taking into account annual fees. After the first year, rewards will be $666.20 taking into account annual fees.}

Annual Fee$ 139
Additional Card$ 50/year (maximum 3)
Interest rate on purchases20.99%
Cash Advance22.99%
Balance Transfer22.99%
Card CategoriesReward
Card User TypesPersonal
Required Income$ 15,000
Recommended Credit ScoreGood
Rewards2 Aventura points per $ 1 : Travel purchased through the CIBC Rewards Centre;
1,5 Aventura points per $ 1 : Gas, Grocery and Drug store;
1 Aventura point per $ 1 : Other purchases;
3 ¢ off per litre on gas at Chevron, Pioneer or Ultramar
Insurances
🚗 Auto rental coverage🛍 Purchase protection📆 Extended warranty📵 Mobile device insurance🦷 Travel accident⏱ Flight delay💨 Hotel or motel burglary🏥 Medical emergency
Learn more
Receive up to 35,000 Aventura points and an annual fee refund for you and up to three authorized users. Offer expires September 30, 2023. Conditions apply.CIBC logo
RBC Avion Visa Platinum

$1,120.00/ year

Estimated Rewards

based on your spending taking into account annual fees. After the first year, rewards will be $420.00 taking into account annual fees.}

Annual Fee$ 120
Additional Card$ 50/year
Interest rate on purchases20.99%
Cash Advance22.99%
Balance Transfer22.99%
Card CategoriesReward
Card User TypesPersonal
Required IncomeNone
Rewards1 RBC Rewards point for $ 1 spent;
3 ¢ off per litre on gas at Petro-Canada;
Earn 20% more Petro- Points and RBC Rewards points
Insurances
🚗 Auto rental coverage🛍 Purchase protection📆 Extended warranty❌ Trip cancellation⏱ Flight delay🩴 Emergency purchases💨 Hotel or motel burglary⚡️ Trip interruption🦷 Travel accident📆 Extended warranty
Learn more
Get 35,000 welcome Avion pointsRBC logo
BMO eclipse Visa Infinite* Card

$1,092.55/ year

Estimated Rewards

based on your spending taking into account annual fees. After the first year, rewards will be $572.35 taking into account annual fees.}

Annual Fee$120
Additional Card$50
Interest rate on purchases20.99%
Cash Advance23.99 %
Balance Transfer23.99%
Card CategoriesReward
Card User TypesPersonal
Required Income$60,000 (individual); OR
$100,000 (household)
Rewards5 points per $1 : Groceries purchases; < br /> 5 points per every $1 : Gas;
5 points per every $1 : Dining in and out;
5 points per every $1 : Transit;
1 point per every $1 : Spent on everything else;
Insurances
🛍 Purchase protection📆 Extended warranty🏥 Medical emergency🦷 Travel accident📵 Mobile device insurance🚗 Auto rental coverage
Learn more
Up to 60,000 BMO Rewards pointsBMO logo

Frequently asked questions about Canadian Credit Cards

How to choose a credit card with Hardbacon’s comparison tool?

To choose a credit card with our comparison tool, you need to, first, determine its purpose. If unable to pay in full the card balance each month, click on “Offer Type” on the left sidebar and select “Low Interest Rate”. If you wish to obtain rewards, select “Rewards,” and enter your annual income, in order for us to recommend the best card for you. Do not hesitate to use the other filters, and click on “more details” when you want to know more about a specific card.

What's a balance transfer with a low-interest rate?

If you find it difficult to pay your credit card in full, it is possible to transfer your balance to a low-interest-rate credit card. Financial institutions offer interest rates from 0% to 4%, for a period of 6 to 10 months on average. To obtain this card click on “Offer Type” on the left sidebar and select “Low Interest Rate”.

Can I acquire a credit card when being bankrupt or with no credit history?

If you have a bad credit history, it is still possible to obtain a credit card, but the financial institutions mayl ask you for a deposit. In the filter on the left side bar, click on “Offer Type” and select “Build my Credit Score”. Generally, even if your credit score is not good, or if you have no credit history, you can still obtain a credit card, but with a small credit limit, usually around $500.

Why is it important to pay in full the credit card balance each month?

If you pay the entire credit card balance at the end of each month, you will pay zero interest on the current month’s purchases. On the other hand, if you pay your balance partially, you will have to pay interest on the entire amount appearing on your credit card. If you think that you won’t be able to pay your credit card balance in full each month, it is recommended to use a debit card linked with a checking account.

How do credit cards work?

Credit Cards work by giving you instant access to a loan. Every time you make a purchase with your credit card, you borrow money. Your credit card comes with a credit limit; the maximum amount of money you can access. When you use your credit card to make a purchase it reduces the amount of credit you have access to. The balance you owe on your credit card accrues interest and you are required to make a minimum payment each month to keep the account in good standing. Your credit card company will send you a monthly statement detailing how much credit you have used, how much you have left, transaction history and your minimum payment due.

How to calculate credit card interest?

To calculate the amount of credit card interest you will pay each month on your balance, you need to break down your Annual Percentage Rate (APR) to a monthly rate. To do this, divide your APR by 12 because there are 12 months in a year. For example, if you carry a credit card balance of $1000 each month, and your APR is 19.99% you would do this:

  1. 19.99% / 12 = 1.7%
  2. 1.7% / 100 = 0.017
  3. $1000 x 0.017 = $17

A credit card with a $1000 balance owing will cost you $17 of interest per month. Having said that, credit card interest is compounded daily based on your average daily balance. If you don’t pay your balance off in full every month, It’ll cost you a lot more than $17.

What is a CVV?

CVV stands for Card Verification Value. It is the 3 to 4 digit number on the back of your credit card, typically found beside the signature box. It acts as a security code to protect your credit card against fraud. Never confuse your CVV number with your 4 digit Personal Identification Number (PIN), they are not the same. When you make an in-store purchase at a point-of-sale machine, you will often be asked to enter your 4 digit PIN number. However, the CVV is used for online purchases. The CVV protects you against fraud by confirming your credit card is legitimate, belongs to you, and is in your possession.

How to dispute a credit card charge?

Carefully review your statement each month and act fast when you spot an error. If you are unsatisfied with how the credit card company handled your dispute, you can escalate it to an External Complaints Body (ECB) such as ADR Chambers Banking Ombuds (ADRBO) and Ombudsman for Banking Services and Investments (OBSI).

What is the best credit card in Canada?

There is no “best credit card” in Canada. The best credit card is one that meets your needs and aligns with your spending habits and financial goals. People who love to travel tend to choose credit cards that offer competitive travel rewards. Others prefer the flexibility that cash back credit cards offer. Those who can’t pay their balance off in full each month often prefer a low-rate card. Use the Hardbacon Credit Card Comparison Tool to find the right card for your needs.