🇨🇦 Best Credit Cards in Canada (2026)

Visa Infinite

Scotiabank Passport Visa Infinite Card

Scotiabank

1

3.9

"The Scotiabank Passport Visa Infinite card is ideal for frequent travelers and premium users seeking solid travel benefits and an excellent earn rate for points and miles. It offers lounge access, no foreign transaction fees, and good travel insurance coverage. While the annual fee is high and waiver options are limited, the travel perks and app experience balance these downsides. Not ideal for customers looking to transfer balances with competitive terms."

Visa Infinite

RBC Avion Visa Infinite Card

RBC

2

3.9

"The RBC Avion Visa Infinite card offers a strong rewards program, excellent travel insurance, and flexible point redemption, but it has a significant annual fee and limited cashback options."

Mastercard Standard

Canadian Tire Triangle Mastercard

Canadian Tire

3

3.6

"The Canadian Tire Triangle Mastercard is an excellent choice for consumers focused on everyday shopping, especially at Canadian Tire stores. It offers good cashback on select purchases and has no annual fee, making it a budget-friendly choice. However, its travel perks are limited, and it charges foreign transaction fees. Card application and account management via the app are convenient and effective."

Mastercard Standard

Mosaic Mastercard

First National Bank of Omaha

4

3.4

"The Mosaic Mastercard from First National Bank of Omaha is a solid choice for those looking to build credit, with strong reporting to credit bureaus. It is suitable for daily use, offering low foreign transaction fees and flexible cashback redemption options. However, it lacks significant travel benefits and an appealing welcome bonus. The cashback structure is decent but not exceptional in bonus categories."

Amex Charge

American Express Cobalt Card

American Express

7

""