Best Rewards Credit Cards | Credit Karma™ Canada

American Express Cobalt® Card

Annual interest rate 20.99% annual interest rate, 21.99% on cash advances
Rewards rate Earn 1x – 5x points per dollar
Annual fee $155.88 annual fee ($12.99/month)

Card details

Purchase 20.99% on purchases, 21.99% on cash advances
Annual $155.88
Balance Transfer N/A
Balance Transfer Intro N/A
Balance Transfer N/A
Balance Transfer Intro N/A
Rewards Points
Security Deposit N/A
Foreign Transaction 2.5%
Minimum Income Requirement 40,000
Dishonoured Payment See Terms*
Grace Period See Terms*

* See Online Provider's Application for Terms and Conditions. Reasonable efforts are made to maintain information. See Online Provider's Application for complete details.

Visit provider's site for more information

More details

In your first year as a new Cobalt Cardmember, you can earn 2,500 Membership Rewards® points for each monthly billing period in which you spend $500 in net purchases on your Card. This could add up to 30,000 points in a year
30,000 points is enough for:
$300 in statement credits redeemed towards purchases charged to your Card or
$225 in American Express® Prepaid Cards
Earn 5x the points on eligible eats and drinks in Canada, including groceries and food delivery
Earn 3x the points on eligible streaming subscriptions in Canada
Earn 2 points for every $1 spent on eligible transit & gas purchases in Canada and eligible travel purchases. That’s 2X the points on purchases that get you from point A to B
Earn 1 point for every $1 in Card purchases everywhere else. We won’t tell you where to spend, we’ll just reward you on your Card purchases
Transfer points 1:1 to several frequent flyer and other loyalty programs
Cobalt Cardmembers receive regular Perks such as bonus reward offers and access to great events
Access Front Of The Line® Presale & Reserved Tickets to some of your favourite concerts and theatre performances and special offers and events curated for Cardmembers with American Express® Experiences
American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details, current product information and Terms and Conditions, click the Apply now link. Conditions Apply

American Express® Green Card

Apply Now

Annual interest rate 20.99% annual interest rate, 21.99% on cash advances
Signup bonus Earn 10,000 welcome bonus points
Rewards rate Earn 1x points per dollar
Annual fee $0 annual fee

Card details

Purchase 20.99% on purchases, 21.99% on cash advances
Annual N/A
Balance Transfer N/A
Balance Transfer Intro N/A
Balance Transfer N/A
Balance Transfer Intro N/A
Rewards Points
Foreign Transaction 2.5%
Minimum Income Requirement N/A
Dishonoured Payment N/A
Grace Period N/A

* See Online Provider's Application for Terms and Conditions. Reasonable efforts are made to maintain information. See Online Provider's Application for complete details.

Visit provider's site for more information

More details

Get the Card that lets you live in the moment while getting ready for the future. The American Express® Green Card lets you go for it with every swipe or tap of your Card
As a new American Express® Green Cardmember, you can earn a Welcome Bonus of 10,000 Membership Rewards® points when you charge $1,000 in purchases to your Card in the first 3 months of Cardmembership
Earn 1x the points on Card purchases
Charge an eligible purchase to your Card and redeem your Membership Rewards points for a statement credit (All eligible purchases: 1,000 points = $10 statement credit)
With American Express Experiences and Front Of The Line®, American Express Cardmembers get access to amazing events in Canada
Transfer points 1:1 to several frequent flyer and other loyalty programs
American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information click the Apply now link. Conditions apply

BMO eclipse Visa Infinite* Card

Apply Now

Annual interest rate 20.99% annual interest rate, 23.99% on cash advances
Signup bonus Earn up to 70,000 welcome bonus points*
Rewards rate Earn 1x – 5x points per dollar
Annual fee $120 annual fee, waived in the first year

Card details

Purchase 20.99% purchases, 23.99% cash advances
Annual $120 waived for the first year
Balance Transfer 23.99%
Balance Transfer Intro N/A
Balance Transfer See Terms*
Balance Transfer Intro N/A
Rewards Points
Foreign Transaction See Terms*
Minimum Income Requirement $60,000 ($100,000 HHI)
Dishonoured Payment See Terms*
Grace Period See Terms*

* See Online Provider's Application for Terms and Conditions. Reasonable efforts are made to maintain information. See Online Provider's Application for complete details.

Visit provider's site for more information

More details

Cash interest rate of 23.99%, 21.99% for Québec residents
Welcome offer: Get up to 70,000 points worth $467 in travel rewards, a $50 lifestyle credit and the $120 annual fee waived in the first year – that’s a $637 value in your first year!*
Earn 5x the BMO Rewards points on groceries, dining, gas and transit*
Get 1 BMO Reward for every $1 spent on everything else*
Get a $50 annual lifestyle credit to spend however you want*
Mobile Device Insurance that covers you for up to $1,000*
Earn 10% more points when you add an authorized user to your account*
Pay with Points by browsing your recent transactions & redeem your points for as little as $1
BMO is not responsible for maintaining the content on this site. Please click on the Apply now link for the most up to date information
*Terms and conditions apply

BMO AIR MILES®† MasterCard®* for Students

Apply Now

Annual interest rate 19.99% annual interest rate, 22.99% on cash advances*
Signup bonus Earn 800 welcome bonus miles
Rewards rate Earn 0.04x – 0.12x miles per dollar
Annual fee $0 annual fee

Card details

Purchase 19.99% purchases, 22.99% cash advances*
Annual $0
Balance Transfer 22.99%
Balance Transfer Intro N/A
Balance Transfer See Terms*
Balance Transfer Intro N/A
Rewards Miles
Security Deposit N/A
Foreign Transaction See Terms*
Minimum Income Requirement $0
Dishonoured Payment N/A
Grace Period 21 Days

* See Online Provider's Application for Terms and Conditions. Reasonable efforts are made to maintain information. See Online Provider's Application for complete details.

Visit provider's site for more information

More details

Cash interest rate of 22.99%, 21.99% for Québec residents
Welcome offer: Get 800 AIR MILES Bonus Miles!* That’s enough for $80 towards purchases with AIR MILES Cash*
Get 3x the Miles for every $25 spent at participating AIR MILES Partners*
Get 1 Mile for every $25 spent everywhere else*
Use your BMO AIR MILES Mastercard and AIR MILES Collector Card at an AIR MILES Partner to earn Reward Miles from both*
Get AIR MILES back every time you spend, plus start building a healthy credit history
Best BMO AIR MILES Mastercard for Students
No annual fee*
Receive a discount on car rentals*
Extended Warranty*
Purchase Protection*
BMO is not responsible for maintaining the content on this site. Please click on the Apply now link for the most up to date information
*Terms and conditions apply

BMO AIR MILES®† MasterCard®*

Apply Now

Annual interest rate 19.99% annual interest rate, 22.99% on cash advances*
Balance transfer intro rate 9 months of 1.99% on balance transfers*
Signup bonus Earn 1,500 welcome bonus miles
Rewards rate Earn 0.04x – 0.2x miles per dollar
Annual fee $0 annual fee

Card details

Purchase 19.99% purchases, 22.99% cash advances*
Annual $0
Balance Transfer 22.99%
Balance Transfer Intro 1.99% for the first 9 months*
Balance Transfer See Terms*
Balance Transfer Intro 1%
Rewards Miles
Security Deposit N/A
Foreign Transaction See Terms*
Minimum Income Requirement $15,000
Dishonoured Payment N/A
Grace Period 21 Days

* See Online Provider's Application for Terms and Conditions. Reasonable efforts are made to maintain information. See Online Provider's Application for complete details.

Visit provider's site for more information

More details

Cash interest rate of 22.99%, 21.99% for Québec residents
Limited time offer: Get 1,500 AIR MILES Bonus Miles!* That’s enough for $150 towards purchases with AIR MILES Cash*
Get a 1.99% introductory interest rate on Balance Transfers for 9 months*, 1% fee applies to balance amounts transferred*
Get 3x the Miles for every $25 spent at participating AIR MILES Partners*
Get 1 Mile for every $25 spent everywhere else*
Use your BMO AIR MILES Mastercard and AIR MILES Collector Card at an AIR MILES Partner to earn Reward Miles from both*
No annual fee*
Receive a discount on car rentals*
Extended Warranty*
Purchase Protection*
BMO is not responsible for maintaining the content on this site. Please click on the Apply now link for the most up to date information
*Terms and conditions apply

BMO AIR MILES®† World Elite®* MasterCard®*

Apply Now

Annual interest rate 20.99% annual interest rate, 23.99% on cash advances*
Signup bonus Get 3,000 AIR MILES Bonus Miles*
Rewards rate Earn 0.08 – 0.25x miles per dollar
Annual fee $120 annual fee, waived for the first year*

Card details

Purchase 20.99% purchases, 23.99% cash advances*
Annual $120 Waived for the first year
Balance Transfer 22.99%
Balance Transfer Intro N/A
Balance Transfer See Terms*
Balance Transfer Intro N/A
Rewards Miles
Security Deposit N/A
Foreign Transaction See Terms*
Minimum Income Requirement 80k (150k HHI)
Dishonoured Payment N/A
Grace Period 21 Days

* See Online Provider's Application for Terms and Conditions. Reasonable efforts are made to maintain information. See Online Provider's Application for complete details.

Visit provider's site for more information

More details

Cash interest rate of 23.99%, 21.99% for Québec residents
Limited time offer: Get 3,000 AIR MILES Bonus Miles and we’ll waive the $120 annual fee for the first year*.
Get 3x the Miles for every $12 spent at participating AIR MILES Reward Partners.*
Earn 1 reward mile for every $12 in credit card purchases, everywhere you spend*
Get valuable benefits and offers for digital everyday services from a variety of on-demand apps and subscription services
Use your card at Costco*
Extended Warranty
Access over 1 million Wi-Fi hotspots around the world – all at no added cost, and no added fees or roaming charges*
Complimentary membership in Mastercard Airport Experiences provided by LoungeKey*
Exclusive 15% Flight Discount on all AIR MILES flights in North America with no blackout periods*
BMO AIR MILES World Elite Travel and Medical Protection*
BMO Concierge Service*
Unlock Mastercard Travel Rewards cashback offers when you travel and shop outside of Canada
BMO is not responsible for maintaining the content on this site. Please click on the Apply now link for the most up to date information
*Terms and conditions apply

BMO Rewards® MasterCard

Offer not available in Québec

Apply Now

Annual interest rate 19.99% annual interest rate, 22.99% on cash advance*
Balance transfer intro rate 9 months of 1.99% on balance transfers
Signup bonus Earn 15,000 welcome bonus points
Rewards rate Earn 1x points per dollar
Annual fee $0 annual fee

Card details

Purchase 19.99% purchases, 22.99% cash advances*
Annual $0
Balance Transfer 22.99%
Balance Transfer Intro 1.99% for the first 9 months*
Balance Transfer See Terms*
Balance Transfer Intro 1.99%
Rewards Points
Security Deposit N/A
Foreign Transaction See Terms*
Minimum Income Requirement $15,000
Dishonoured Payment N/A
Grace Period 21 Days

* See Online Provider's Application for Terms and Conditions. Reasonable efforts are made to maintain information. See Online Provider's Application for complete details.

Visit provider's site for more information

More details

Cash interest rate of 22.99%, 21.99% for Québec residents
Welcome offer: Get 15,000 BMO Rewards welcome points (worth $75 when you pay with points).*
Get a 1.99% introductory interest rate on Balance Transfers for 9 months, 1% fee applies to balance amounts transferred*
Get 1 BMO Rewards point for every $1 spent*
Earn faster with additional cardholders
Get up to 25% off car rentals at National®#† Car Rental and Alamo®*‡ Rent A Car locations worldwide*
Extended Warranty*
Purchase Protection*
BMO is not responsible for maintaining the content on this site. Please click on the Apply now link for the most up to date information
*Terms and conditions apply

HSBC World Elite® Mastercard®
*Offer only available in Québec.

Offer only available in Québec

Apply Now

Annual interest rate 19.9% annual interest rate, 22.9% on cash advances
Signup bonus Earn 20,000 welcome bonus points
Annual fee $149 annual fee

Card details

Purchase 19.9% purchases, 22.9% cash advances
Annual $149
Balance Transfer 22.9%
Balance Transfer Intro N/A
Balance Transfer N/A
Balance Transfer Intro N/A
Rewards Points
Security Deposit N/A
Foreign Transaction N/A
Minimum Income Requirement $80,000
Dishonoured Payment See Terms*
Grace Period See Terms*

* See Online Provider's Application for Terms and Conditions. Reasonable efforts are made to maintain information. See Online Provider's Application for complete details.

Visit provider's site for more information

More details

This offer is only available to residents of Québec. For residents of other provinces/territories please click here.
Special offer: Earn up to 110,000 ($550 travel value)* PLUS receive a $100 annual travel enhancement credit*. Must apply by October 31, 2022. Conditions apply.
Get up to $650 in total value* for the first year!
Welcome bonus of 20,000 points* ($100 travel value)
Earn 70,000 points* when you keep your account open and active for 6 months ($350 travel value)
Earn 20,000 points* as an anniversary bonus ($100 travel value)
Receive a $100 annual travel enhancement credit*
Primary Cardholder Annual Fee: $149
Annual Interest on Purchases: 19.9%
Annual Interest on Cash Advances and Balance Transfers: 22.9%
Authorized User Annual Fee: $50 Per Card
*Terms and Conditions apply
®/TM Mastercard and World Elite are registered trademarks, and the circles design is a trademark of Mastercard International Incorporated. Used pursuant to licence.

BMO eclipse Visa Infinite Privilege* Card

Apply Now

Annual interest rate 20.99% annual interest rate, 23.99% on cash advances
Signup bonus Earn up to 90,000 welcome bonus points*
Rewards rate Earn 1x – 5x points per dollar
Annual fee $499 annual fee

Card details

Purchase 20.99% on purchases, 23.99% on cash advances
Annual $499
Balance Transfer 23.99%
Balance Transfer Intro N/A
Balance Transfer See Terms*
Balance Transfer Intro N/A
Rewards Points
Foreign Transaction See Terms*
Minimum Income Requirement $150,000 ($200,000 HHI)
Dishonoured Payment See Terms*
Grace Period See Terms*

* See Online Provider's Application for Terms and Conditions. Reasonable efforts are made to maintain information. See Online Provider's Application for complete details.

Visit provider's site for more information

More details

Cash interest rate of 23.99%, 21.99% for Québec residents
Welcome offer: Get up to 90,000 points*
Earn 5x the BMO Rewards points on groceries, dining, drugstore purchases, gas and travel*
Get 1 BMO Reward for every $1 spent on everything else*
Get a $200 annual lifestyle credit to spend however you want*
Mobile Device Insurance that covers you for up to $1,000*
Earn 25% more points when you add an authorized user to your account*
Pay with Points by browsing your recent transactions & redeem your points for as little as $1
Enjoy Priority PassTM membership and 6 lounge pass visits for primary cardholders and 6 lounge pass vists for every authorized user on the account per year*
Airport experiences along with Priority Security Lane, airport parking and valet service discounts at select Canadian airports*
Enjoy the Visa Infinite Dining Series and Visa Infinite Wine Country*
BMO is not responsible for maintaining the content on this site. Please click on the Apply now link for the most up to date information
*Terms and conditions apply

TD Rewards Visa* Card
Offer not available in Québec.

Offer not available in Québec

Apply Now

Annual interest rate 19.99% annual interest rate, 22.99% on cash advances
Signup bonus Earn 15,152 TD Rewards Points†
Rewards rate Earn 1x – 3x points per dollar
Annual fee $0 annual fee

Card details

Purchase 19.99% purchases, 22.99% cash advances
Annual $0
Balance Transfer 22.99%
Balance Transfer Intro N/A
Balance Transfer 3%
Balance Transfer Intro N/A
Rewards Points
Security Deposit N/A
Foreign Transaction 2.5%
Minimum Income Requirement N/A
Dishonoured Payment $48
Grace Period 21 days on new purchases

* See Online Provider's Application for Terms and Conditions. Reasonable efforts are made to maintain information. See Online Provider's Application for complete details.

Visit provider's site for more information

More details

Apply by October 29, 2022 to get a 9.99% promotional interest rate on purchases for the first 6 months with no annual fee†. Plus, earn 15,152 TD Rewards Points (a value of $50 on Amazon.ca with Shop with Points†) by keeping your Account open, active and in good standing for the first 90 days†.
No Annual Fee.
Earn higher TD Rewards Points in grocery, restaurant and fast food purchases, travel bookings and regularly recurring bill payments†.
Redeem your TD Rewards Points towards making purchases at Amazon.ca with Amazon Shop with Points. Conditions apply.
You can redeem the TD Rewards Points you’ve earned towards everyday perks like cash back, gift cards and more.
Your TD Rewards Points will never expire as long as your account is open and in good standing.
Shop with confidence knowing your eligible purchases are covered with Purchase Security and Extended Warranty Protection†.
Earn 2 TD Rewards Points for every $1 in grocery, restaurant and fast food purchases†, and regularly recurring bill payments†.
Earn 3 TD Rewards Points for every $1 when you book travel online through ExpediaForTD.com†.
Earn 1 TD Rewards Point for every $1 you spend on all other purchases†.
This offer is not available for residents of Quebec. For Quebec residents, please click here.
†Terms and conditions apply.
Sponsored advertising. The Toronto-Dominion Bank (TD) is not responsible for the contents of this site including any editorials or reviews that may appear on this site. For complete and current information on any TD product, please click the Apply Now button.

HSBC +Rewards™ Mastercard®
*Offer not available in Québec.

Apply Now

Annual interest rate 11.9% annual interest rate, 11.9% on cash advances
Signup bonus Earn 30,000 welcome bonus points*
Annual fee $25 annual fee, rebate in the first year

Card details

Purchase 11.9% purchases, 11.9% cash advances
Annual $25 – rebate in the first year
Balance Transfer 11.9%
Balance Transfer Intro N/A
Balance Transfer N/A
Balance Transfer Intro N/A
Rewards Points
Security Deposit N/A
Foreign Transaction See Terms*
Minimum Income Requirement N/A
Dishonoured Payment See Terms*
Grace Period See Terms*

* See Online Provider's Application for Terms and Conditions. Reasonable efforts are made to maintain information. See Online Provider's Application for complete details.

Visit provider's site for more information

More details

This offer is not available to residents of Québec. For residents of Québec, please click here.
Special offer: Earn up to 35,000 points* ($175 travel value) PLUS a full annual fee rebate for the primary cardholder for the first year ($25 value). Must apply by October 31, 2022. Conditions apply.
Get up to $200 in total value* for the first year!
Earn 30,000 points* when you spend $2,000 within 6 months of account opening ($150 travel value)
Earn 5,000 points* when you start your application online ($25 travel value)Earn 2 Points for every $1 spent on eligible dining or entertainment purchases
Earn 2 Points for every $1 spent on eligible dining or entertainment purchases
HSBC’s lowest interest rate for purchases, cash advances and balance transfers
Price Protection Service – find a lower price within 60 days of your purchase, the difference will be refunded, up to $500 per eligible item
Primary Cardholder Annual Fee: $25
Annual Interest on Purchases: 11.9%
Annual Interest on Cash Advances and Balance Transfers: 11.9%
Authorized User Annual Fee: $10 Per Card
*Terms and Conditions apply
®/TM Mastercard and World Elite are registered trademarks, and the circles design is a trademark of Mastercard International Incorporated. Used pursuant to license

HSBC +Rewards™ Mastercard®
*Offer only available in Québec.

Offer only available in Québec

Apply Now

Annual interest rate 11.9% annual interest rate, 11.9% on cash advances
Signup bonus Earn 35,000 welcome bonus points*
Annual fee $25 annual fee

Card details

Purchase 11.9% purchases, 11.9% cash advances
Annual $25
Balance Transfer 11.9%
Balance Transfer Intro N/A
Balance Transfer N/A
Balance Transfer Intro N/A
Rewards Points
Security Deposit N/A
Foreign Transaction See Terms*
Minimum Income Requirement N/A
Dishonoured Payment See Terms*
Grace Period See Terms*

* See Online Provider's Application for Terms and Conditions. Reasonable efforts are made to maintain information. See Online Provider's Application for complete details.

Visit provider's site for more information

More details

This offer is only available to residents of Québec. For residents of other provinces/territories please click here.
Special offer: Earn up to 40,000 points* ($200 travel value). Must apply by October 31, 2022. Conditions apply.
Get up to $200 in total value* for the first year!
Earn 35,000 points* when you keep your account open and active for 6 months ($175 travel value)
Earn 5,000 points* when you start your application online ($25 travel value)
Earn 2 Points for every $1 spent on eligible dining or entertainment purchases
HSBC’s lowest interest rate for purchases, cash advances and balance transfers
Price Protection Service – find a lower price within 60 days of your purchase, the difference will be refunded, up to $500 per eligible item
Primary Cardholder Annual Fee: $25
Annual Interest on Purchases: 11.9%
Annual Interest on Cash Advances and Balance Transfers: 11.9%
Authorized User Annual Fee: $10 Per Card
*Terms and Conditions apply
®/TM Mastercard and World Elite are registered trademarks, and the circles design is a trademark of Mastercard International Incorporated. Used pursuant to license

HSBC World Elite® Mastercard®
*Offer not available in Québec.

Apply Now

Annual interest rate 19.9% annual interest rate, 22.9% on cash advances
Signup bonus Earn 20,000 welcome bonus points
Annual fee $149 annual fee, rebate in the first year

Card details

Purchase 19.9% purchases, 22.9% cash advances
Annual $149 – rebate in the first year
Balance Transfer 22.9%
Balance Transfer Intro N/A
Balance Transfer N/A
Balance Transfer Intro N/A
Rewards Points
Security Deposit N/A
Foreign Transaction N/A
Minimum Income Requirement $80,000
Dishonoured Payment See Terms*
Grace Period See Terms*

* See Online Provider's Application for Terms and Conditions. Reasonable efforts are made to maintain information. See Online Provider's Application for complete details.

Visit provider's site for more information

More details

This offer is not available to residents of Québec. For residents of Québec, please click here.
Special offer: Earn up to 80,000 points* ($400 travel value) PLUS a full annual fee rebate for the primary cardholder for the first year* ($149 value) and receive a $100 annual travel enhancement credit*. Must apply by October 31, 2022. Conditions apply.
Get up to $649 in total value* for the first year!
Welcome bonus of 20,000 points* ($100 travel value)
Earn 40,000 points* when you spend $6,000 within 6 months of account opening ($200 travel value)
Earn 20,000 points* as an anniversary bonus ($100 travel value)
First year annual fee rebate for the primary cardholder* ($149)
Receive a $100 annual travel enhancement credit*
Primary Cardholder Annual Fee: $149
Annual Interest on Purchases: 19.9%
Annual Interest on Cash Advances and Balance Transfers: 22.9%
Authorized User Annual Fee: $50 Per Card
*Terms and Conditions apply
®/TM Mastercard and World Elite are registered trademarks, and the circles design is a trademark of Mastercard International Incorporated. Used pursuant to licence.

Rewards cards

American Express Cobalt® Card

American Express® Green Card

BMO eclipse Visa Infinite* Card

BMO AIR MILES®† MasterCard®* for Students

BMO AIR MILES®† MasterCard®*

BMO AIR MILES®† World Elite®* MasterCard®*

BMO Rewards® MasterCard

HSBC World Elite® Mastercard®*Offer only available in Québec.

BMO eclipse Visa Infinite Privilege* Card

TD Rewards Visa* CardOffer not available in Québec.

HSBC +Rewards™ Mastercard®*Offer not available in Québec.

HSBC +Rewards™ Mastercard®*Offer only available in Québec.

HSBC World Elite® Mastercard®*Offer not available in Québec.

Best Cards For…

Credit cards

Build credit

Balance transfer cards

Cash back cards

Low-interest cards

HSBC World Elite® Mastercard®
*Offer only available in Québec.

TD Rewards Visa* Card
Offer not available in Québec.

HSBC +Rewards™ Mastercard®
*Offer not available in Québec.

HSBC +Rewards™ Mastercard®
*Offer only available in Québec.

HSBC World Elite® Mastercard®
*Offer not available in Québec.