Best Credit Cards in Canada — Compare 27 Cards
Every credit card we can verify as issued in Canada — 27 cards from 3 banks — with the minimum salary, annual fee, interest rate and salary-transfer rule each bank publishes. Filter them below, or use the guided finder.
Best credit cards in Canada — our picks
One card per job, chosen by a stated rule, with the number that wins it. No bank holds two slots while another qualifies.
No annual fee, and at 22.49% a year it is among the cheaper cards to carry a balance on.
Chosen by: Zero or permanently waived annual fee, then the lowest published interest rate. Picked from 9 qualifying cards.
Go to nbc.ca National Bank of Canada's site — this card is not linked directly
You do not have to move your salary to this bank — the stated minimum is CAD 5,000 a month.
Chosen by: Bank does not require your salary to be transferred to it, then the lowest minimum salary. Picked from 27 qualifying cards.
Card details On Buzdy — no verified issuer link on file yet
Airport lounge access for CAD 99 a year.
Chosen by: Publishes airport lounge access, then the lowest annual fee. Picked from 4 qualifying cards.
Go to rbcroyalbank.com Royal Bank of Canada's site — this card is not linked directly
At 19.92% a year this is the cheapest published rate we hold for this market — it only matters if you revolve a balance.
Chosen by: Lowest published monthly interest / profit rate in this market. Picked from 27 qualifying cards.
Go to rbcroyalbank.com Royal Bank of Canada's site — this card is not linked directly
Headline cashback of up to 3% — check which categories it applies to before you assume it covers everything.
Chosen by: Highest published headline cashback rate. Picked from 7 qualifying cards.
Card details On Buzdy — no verified issuer link on file yet
Accepts a monthly salary from CAD 5,000 — the lowest published requirement in our data for this market.
Chosen by: Lowest published minimum monthly salary. Picked from 6 qualifying cards.
Card details On Buzdy — no verified issuer link on file yetCompare all 27 Canada credit cards
Figures are as each bank publishes them. 6 of 27 cards state a minimum monthly salary, 24 state an annual fee, 27 state an interest or profit rate and 27 state whether a salary transfer is required. A dash means the bank does not publish that figure — not that it is zero.
Default ranking: cards are ordered by how much of the decision they let you make — how many of the four numbers (minimum salary, annual fee, rate, salary transfer) the bank publishes, then how many benefits are documented, then user rating. It is not a paid placement and it is not alphabetical. Use the sort links in the table header to rank by fee, rate or salary instead.
Showing 27 of 27 cards.
Every figure comes from the issuing bank's own published terms, stored per card. Country attribution uses the product's own market, not the bank's branch footprint, so a multinational's Hong Kong catalogue never appears here. Interest and profit rates are annualised figures as published; a few banks quote a monthly rate instead, so confirm the basis with the issuer before you compare two cards on rate alone. Verify the current terms with the bank before you apply.
Prefer to be asked?
Four questions — salary, spending, and what matters most — and we shortlist five of the 27 cards above for you.
Where are you located?
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More about credit cards in Canada
The 27 cards compared above are every credit card we can attribute to Canada itself, from 3 issuing banks — a card is counted here only when the product's own market and the issuing bank agree, so a multinational's catalogue from another country is never folded in. Figures are in CAD as published by each bank.
Banks we track in Canada
Keep going in Canada
Guides for Canada
Canada — frequently asked questions
Which credit cards have no annual fee in Canada?
RBC ION Visa (Royal Bank of Canada), moi RBC Visa (Royal Bank of Canada), RBC Cash Back Mastercard (Royal Bank of Canada), RBC Visa Platinum (Royal Bank of Canada) are among the 9 cards in our Canada data with a zero or waived annual fee.
What is the best cashback credit card in Canada?
We track 7 cashback cards in Canada. RBC CashBack World Elite card from Royal Bank of Canada publishes: Earn up to 1.5% cash back on all purchases. The right one depends on where you actually spend — the finder above ranks them for your profile.
What salary do I need for a credit card in Canada?
Published minimum income requirements in our Canada data include A minimum personal income of $60,000 or a minimum household income of $100,000 is required for this card.; A minimum personal income of $80,000 or a minimum household income of $150,000 is required for this card.; A minimum personal income of $200,000 or a minimum household income of $200,000 is required for this card.. Enter your salary above and the finder only shows cards you meet the stated requirement for.
How does the card finder pick a card?
It scores every card we hold for Canada against your salary, your biggest spending category and whether you want cashback, miles, no fee or a Shariah-compliant card, then shows the top five with the reasons for each.