Last updated: June 23, 2026 · Credit cards compared: 15 · Data source: Official bank product pages
Reviewed by Zia Shahid, Buzdy Banking Editor · Our methodology
? In this guide
Looking for the best credit card in Canada in 2026? We compared 15 credit cards from top banks in Canada to help you find the right one for your needs, income, and lifestyle.
This guide covers fees, interest rates, eligibility, rewards, and key benefits for every option. All data is sourced from official bank product pages and updated as of June 23, 2026. Every option is from a bank regulated by Office of the Superintendent of Financial Institutions (OSFI).
Quick Comparison: All 15 Credit cards in Canada
Side-by-side comparison of every credit card option in Canada as of June 23, 2026. Tap any name for full details.
| Credit card | Bank | Rate / Eligibility | Top Features | Apply |
|---|---|---|---|---|
| 1. Allure Mastercard | National Bank of Can… | 1.66% per month | Purchase Protection, Digital Wallet, Hotel Discounts… | View → |
| 2. MC1 Mastercard | National Bank of Can… | 1.66% per month | Purchase Protection, Digital Wallet, Lifestyle Privi… | View → |
| 3. mycredit Mastercard | National Bank of Can… | 1.66% per month | Purchase Protection, Digital Wallet, Hotel Discounts… | View → |
| 4. World Elite Mastercard | National Bank of Can… | 1.66% per month | Shopping Discounts, Travel Benefits, Lounge Access, … | View → |
| 5. Avion Visa Infinite Business | Royal Bank of Canada | 1.66% per month | Digital Wallet, Chip/Pin, Supplementary Cards | View → |
| 6. Avion Visa Infinite Privilege | Royal Bank of Canada | 1.66% per month | Digital Wallet, Chip/Pin, Supplementary Cards | View → |
| 7. British Airways Visa Infinite | Royal Bank of Canada | 1.66% per month | Digital Wallet, Chip/Pin, Supplementary Cards | View → |
| 8. Business Cash Back Mastercard | Royal Bank of Canada | 1.66% per month | Digital Wallet, Chip/Pin, Supplementary Cards | View → |
| 9. CreditLine for Small Business | Royal Bank of Canada | 1.66% per month | Digital Wallet, Chip/Pin, Supplementary Cards | View → |
| 10. moi RBC Visa | Royal Bank of Canada | 1.66% per month | Digital Wallet, Chip/Pin, Supplementary Cards | View → |
| 11. RBC Avion Visa Infinite | Royal Bank of Canada | 1.66% per month | Digital Wallet, Chip/Pin, Supplementary Cards | View → |
| 12. RBC Avion Visa Platinum | Royal Bank of Canada | 1.66% per month | Digital Wallet, Chip/Pin, Supplementary Cards | View → |
| 13. RBC Cash Back Mastercard | Royal Bank of Canada | 1.66% per month | Digital Wallet, Chip/Pin, Supplementary Cards | View → |
| 14. RBC CashBack World Elite card | Royal Bank of Canada | 1.66% per month | Digital Wallet, Chip/Pin, Supplementary Cards, Inter… | View → |
| 15. RBC ION Visa | Royal Bank of Canada | 1.66% per month | Digital Wallet, Chip/Pin, Supplementary Cards | View → |
Top 15 Credit Cards in Canada (2026)
1. Allure Mastercard
Bank: National Bank of Canada
- Interest Rate: 1.66% per month
- Salary/Eligibility: Not Required
- Benefits: Purchase Protection, Digital Wallet, Hotel Discounts & Offers, Lifestyle Privileges, Global Acceptance, Chip/Pin
A no-annual-fee cashback card that supports the Quebec Breast Cancer Foundation with every purchase. Earn 1 point per $2 spent, redeemable as $10 cashback per 1,000 points annually. National Bank dona
2. MC1 Mastercard
Bank: National Bank of Canada
- Interest Rate: 1.66% per month
- Salary/Eligibility: Not Required
- Benefits: Purchase Protection, Digital Wallet, Lifestyle Privileges, Global Acceptance, Chip/Pin, Supplementary Cards
A no-annual-fee, no-frills Mastercard from National Bank of Canada ideal for building credit. Features a 21-day interest-free grace period, contactless Tap and Go payments, Mastercard Zero Liability p
3. mycredit Mastercard
Bank: National Bank of Canada
- Interest Rate: 1.66% per month
- Salary/Eligibility: Not Required
- Cashback: Up to 1% cashback
- Benefits: Purchase Protection, Digital Wallet, Hotel Discounts & Offers, Global Acceptance, Chip/Pin, Supplementary Cards
Benefit from cashback on your pre-authorized payment, restaurant purchases, and a free mobile protection
4. World Elite Mastercard
Bank: National Bank of Canada
- Annual Fee: 150 $
- Interest Rate: 1.66% per month
- Salary/Eligibility: Not Required
- Benefits: Shopping Discounts, Travel Benefits, Lounge Access, Dinning Benefits, Purchase Protection, Digital Wallet
A premium National Bank card earning 5 points per $1 on first $2,500 monthly spend, 2 points on gas, EV charging, and bills, plus airport lounge access at Montreal-Trudeau. Includes up to $150 annual
5. Avion Visa Infinite Business
Bank: Royal Bank of Canada
- Interest Rate: 1.66% per month
- Salary/Eligibility: Not Required
- Benefits: Digital Wallet, Chip/Pin, Supplementary Cards
A premium business travel card earning 1.25 Avion points per $1 on first $75,000 annually. Includes access to 1,200+ airport lounges worldwide, 24/7 concierge service, best-in-class insurance includin
6. Avion Visa Infinite Privilege
Bank: Royal Bank of Canada
- Interest Rate: 1.66% per month
- Salary/Eligibility: Not Required
- Benefits: Digital Wallet, Chip/Pin, Supplementary Cards
Get up to 55,000 Avion points1 (a value of up to $1,100†), that’s enough to fly anywhere in North America or the Caribbean!
7. British Airways Visa Infinite
Bank: Royal Bank of Canada
- Interest Rate: 1.66% per month
- Salary/Eligibility: Not Required
- Benefits: Digital Wallet, Chip/Pin, Supplementary Cards
Earn 3 Avios per $1 on British Airways purchases and 2 Avios per $1 on dining. Redeem for flights, upgrades, or get 10% off paid BA bookings. Includes a companion voucher at $30,000 annual spend, Visa
8. Business Cash Back Mastercard
Bank: Royal Bank of Canada
- Interest Rate: 1.66% per month
- Salary/Eligibility: Not Required
- Benefits: Digital Wallet, Chip/Pin, Supplementary Cards
A no-annual-fee business Mastercard earning 1% cash back on all purchases with a 2% welcome bonus for the first 3 months. Features purchase protection, extended warranty up to 5 years, Zero Liability
9. CreditLine for Small Business
Bank: Royal Bank of Canada
- Interest Rate: 1.66% per month
- Salary/Eligibility: Not Required
- Benefits: Digital Wallet, Chip/Pin, Supplementary Cards
The Functionality of a Line of Credit Combined With the Convenience of Credit Card. Get easy access to the credit you need, when your business needs it – at a low, competitive interest rate for no a
10. moi RBC Visa
Bank: Royal Bank of Canada
- Interest Rate: 1.66% per month
- Salary/Eligibility: Not Required
- Benefits: Digital Wallet, Chip/Pin, Supplementary Cards
Earn 2 Moi points per $1 at Metro, Brunet, Jean Coutu, and Premiere Moisson stores, plus 2 points per $1 on dining and gas. Redeem points at checkout in participating stores. Includes mobile device in
11. RBC Avion Visa Infinite
Bank: Royal Bank of Canada
- Interest Rate: 1.66% per month
- Salary/Eligibility: Not Required
- Benefits: Digital Wallet, Chip/Pin, Supplementary Cards
RBC Avion Visa Infinite – a Premium Travel Credit Card with Insurance Benefits
12. RBC Avion Visa Platinum
Bank: Royal Bank of Canada
- Interest Rate: 1.66% per month
- Salary/Eligibility: Not Required
- Benefits: Digital Wallet, Chip/Pin, Supplementary Cards
Get up to 55,000 Avion points1 (a value of up to $1,100†), that’s enough to fly anywhere in North America or the Caribbean!
13. RBC Cash Back Mastercard
Bank: Royal Bank of Canada
- Interest Rate: 1.66% per month
- Salary/Eligibility: Not Required
- Benefits: Digital Wallet, Chip/Pin, Supplementary Cards
Get Unlimited Cash Back on Your Purchases2 with our no annual fee Cash Back credit card
14. RBC CashBack World Elite card
Bank: Royal Bank of Canada
- Interest Rate: 1.66% per month
- Salary/Eligibility: Not Required
- Benefits: Digital Wallet, Chip/Pin, Supplementary Cards, Interest Free Days
Get Unlimited Cash Back on Your Purchases with our premium Cash Back credit card
15. RBC ION Visa
Bank: Royal Bank of Canada
- Interest Rate: 1.66% per month
- Salary/Eligibility: Not Required
- Benefits: Digital Wallet, Chip/Pin, Supplementary Cards
RBC ION Visa – RBC’s best no Annual Fee Rewards Credit Card__ Get 6,000 Avion welcome points upon approval^ - that’s $40 of value in gift cards!
7 Smart Tips Before You Apply
What banks won't put in their marketing — but every smart applicant should know.
- Compare APR, not just headline rates. The advertised "low interest" is usually a promo. The real cost is the Annual Percentage Rate (APR) after fees, balance transfer charges, and FX markups. A 1.5% monthly rate is actually ~19.6% APR.
- Read the small print on rewards. Banks advertise "5% cashback" but cap it at $20/month. After the cap, you earn 0.5%. Always check the monthly cap, eligible merchants, and minimum spend requirements.
- Know your credit profile before applying. Each rejected application damages your credit score. Use the bank's pre-qualification check (soft pull) before submitting a formal application (hard pull).
- Avoid cash advances at all costs. Cash advance APR is usually 5-10% higher than purchase APR, with no grace period and an upfront fee of 2-5% of the amount. Use only in emergencies.
- Set up direct debit for the full balance. Paying only the minimum (often 5% of balance) means interest accrues on the rest. A balance of $1,000 paid at minimum costs ~$1,400 in interest over 5 years.
- Use foreign-fee-free cards abroad. Standard cards charge 2-3% on every foreign transaction plus FX markup. Travel cards charge 0%. On a $3,000 holiday, that's $90 saved.
- Watch the annual fee waiver conditions. Many premium cards waive fees in year 1 only or require a minimum annual spend (e.g. $5,000) to keep the waiver. Set a reminder before renewal.
Common Mistakes to Avoid
The five most expensive errors people make with credit cards:
- Applying for too many cards at once. Each application is a hard credit pull. 3+ pulls in 6 months drops your score 30-50 points. Space out applications by at least 90 days.
- Only paying the minimum. If you have $5,000 balance at 24% APR and pay only the minimum (5%), you'll pay $1,500+ in interest before clearing the debt. Always pay in full when possible.
- Ignoring the fine print on welcome bonuses. "Get $200 cashback!" usually requires spending $3,000 in 90 days. Read the qualifying spend, the eligible categories, and the payout timeline.
- Not using benefits you've already paid for. If you pay a $400 annual fee for a card with airport lounge access, lost-baggage insurance, and concierge — use them. Most users don't claim 80% of what they paid for.
- Treating credit cards as free money. They're high-cost short-term loans. The minimum payment cycle is designed to keep you indebted for 7-10 years on average.
How to Choose the Right Credit card in Canada
- Annual fees — compare across banks, some offer zero fee for the first year
- Interest rates — lower rates save money if you carry a balance
- Rewards and benefits — match to your spending habits
- Eligibility — salary and documentation requirements vary by bank
- Digital access — mobile app, internet banking, contactless payments
- Customer support — 24/7 helpline, branch network, dispute resolution time
- Regulation — all products listed are from banks regulated by Office of the Superintendent of Financial Institutions (OSFI)
Frequently Asked Questions: Credit cards in Canada
What is the best credit card in Canada for 2026?
The best credit card depends on your priorities — income level, spending habits, and eligibility. Use the comparison table above to filter by rate, benefits, and bank. For premium benefits with worldwide acceptance, look at Platinum tier cards. For low income requirements, classic tier cards offer easier eligibility. Compare all 15 options on this page.
What credit score do I need for a credit card in Canada?
Most banks in Canada require a clean credit history with no defaults in the last 5 years. Premium products typically require higher monthly income. Each bank publishes its own minimum on the product page.
Can I apply online for a credit card in Canada?
Yes, most major banks in Canada now offer fully online applications. Tap "View" on any credit card above to start the application process directly with the bank.
What documents do I need?
Standard documents: valid government ID, tax identification number, proof of address (utility bill or rental agreement), latest 3 months of payslips (for salaried applicants) or 6 months of bank statements (self-employed), and a recent passport-size photograph. Exact requirements vary by bank.
Are these credit cards regulated and safe?
Yes — all 15 options listed are from banks regulated by Office of the Superintendent of Financial Institutions (OSFI). Consumer disputes can be escalated to the regulator if a bank does not resolve the issue.
What are the typical fees in Canada?
Fees vary by tier and bank: classic cards typically C$ 0–1,500/year, gold C$ 1,500–3,000, platinum C$ 3,000–10,000. Many banks waive the first year. Always check the product page for the exact fee schedule.
Can I get a credit card if I am self-employed in Canada?
Yes. Self-employed applicants typically need: business registration, latest tax returns, 6 months of bank statements, and audited financials (for higher tiers). Approval rates are lower than for salaried applicants but several banks specifically cater to small business owners.
What happens if I default on payments?
Missed payments trigger late fees (typically C$ 500–2,000), a credit-score drop, and a higher interest rate going forward. After 90 days of non-payment, the account goes to collections and is reported to credit bureaus. Contact your bank BEFORE missing a payment if you have trouble — most banks offer hardship plans.
Related Guides for Canada
- All banks in Canada
- Bank branches across Canada
- Credit Cards In Canada 2026
- Personal Loans In Canada 2026
- Savings Accounts In Canada 2026
- Canada EMI calculator
- Canada savings calculator
How We Compare
Our editorial team reviews each product based on annual fees, interest rates, rewards programs, eligibility requirements, and verified bank disclosures. We update this comparison regularly to reflect the latest offers. Data is sourced from official bank websites and verified where regulatory filings are publicly available.
Buzdy compares products from 555 banks across 51 countries. We are not affiliated with any single bank — our rankings are based on objective criteria outlined in our methodology.
Disclosure: Buzdy may earn a referral commission when you apply through links on our site. Commissions never influence rankings. Read our full editorial standards.
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