Best Rewards Credit Cards Canada

Find Canada's Best Credit Card With Rate Genie

WRITTEN BY
Lisa Rennie
Updated August 6, 2020

Best Rewards Cards 2020

You’re already spending your money on expenditures like groceries, gas, transportation, entertainment, and travel, so why not be rewarded for your spending? That’s exactly what rewards credit cards can do for you. With every dollar you spend, you’ll be rewarded with points that can later be redeemed for things like free groceries, lower-cost travel, and discounted merchandise, among other things. 

There are also plenty of perks that many credit cards offer along with their rewards, like travel insurance, and front-of-the-line service at concerts and events. 

But with so many rewards credit cards out there, how do you pick just one? We’ve rounded up our favourites based on numerous factors to help you decide which card you should apply for. 

Criteria Used to Evaluate Rewards Credit Cards

Our round-up of the best rewards credit cards was made using a few criteria to accurately assess each card, including the following: 

  • Rewards
  • Perks
  • Welcome bonus
  • Point redemption options
  • Foreign transaction fees
  • Annual fee
  • Insurance

Summary of the Best Travel Credit Cards

When it comes to the best rewards credit cards, the following make the cut:

CategoryCredit Card
Best Credit Card For Day-to-Day SpendingScotiabank Gold American Express
Best Travel Rewards Credit CardTD First Class Travel Visa Infinite
Best No-Fee Rewards Credit CardMBNA Rewards Platinum Plus Mastercard
Best Credit Card For GroceriesScotia Momentum Visa Infinite Card
Best Credit Card for Restaurants and EntertainmentAmerican Express Cobalt Card
Scotiabank Gold American Express

Best Credit Card For Day-to-Day Spending: Scotiabank Gold American Express

Why spend cash when you can use your Scotiabank Gold American Express and earn rewards points at the same time? Imagine being rewarded with free money every time you pay for something using your credit card. That’s essentially what having a points card is like. 

With the Scotiabank Gold American Express, you earn points on every dollar you spend, and once you accumulate enough, you can put them toward travel and merchandise. Plus, you will save on foreign transaction fees and will even have your travels protected with travel insurance. 

  • Earn up to 20,000 Scotia Rewards Points as a welcome bonus when you spend $1,000 spend within the first 3 months. 
  • Earn 5x rewards points for every dollar spent at grocery stores, restaurants, and entertainment.
  • Earn 3x rewards points for every dollar spent on gas, eligible streaming services, and public transit.
  • Earn 1x rewards points on all other expenditures. 
  • No foreign transaction fees. 
  • Travel emergency medical insurance.
  • Travel accident, trip cancellation/interruption insurance.
  • Rental car collision/damage coverage.
  • Discount on Priority Pass airport lounge access.
  • Annual fee: $120
  • Annual fee for additional cardholder: $29 
  • Purchase APR: 19.99%
  • Cash Advance APR: 22.99%
TD First Class Travel Visa Infinite

Best Travel Rewards Credit Card: TD First Class Travel Visa Infinite

If you’re an avid traveller, you may want to consider applying for a credit card that allows you to earn rewards points that can be put toward airfare, accommodations, and rental cars to help keep the cost of travelling as low as possible. Travel rewards credit cards also offer a variety of other awesome perks, such as VIP access to luxury airport lounges, priority boarding on flights, and travel insurance. 

While there are plenty of travel rewards credit cards available, the TD First Class Travel Visa Infinite is one of the better ones. You’ll earn 9 times the points for every dollar spent on flights booked on Expedia online, 6 points for every dollar spent on Expedia when you book over the telephone and 3 points for every dollar spent anywhere else. 

Once you’ve accumulated enough points – which shouldn’t take long to do thanks to the healthy points setup – you can redeem them for any travel expense. Plus, your points never expire as long as your card is active.  

  • Earn 20,000 as a welcome bonus when you make your first purchase (must apply by September 8, 2020; equal to $100 in value when redeemed for travel).
  • Earn 9x rewards points per dollar spent on online Expedia bookings.
  • Earn 6x rewards points per dollar spent on telephone Expedia bookings.
  • Earn 3x rewards points per dollar spent on all other expenditures. 
  • Redeem points on many different travel rewards, not just airfare.
  • First year fee waived.
  • Travel medical, trip cancellation/interruption. 
  • Travel accident insurance.
  • Car rental collision/loss insurance. 
  • Savings with Avis and Budget car rental.
  • Priority Pass membership discount.
  • No travel blackouts. 
  • No seat restrictions.
  • Annual fee: $120 (waived for the first year)
  • Annual fee for additional cardholder: $50 (waived for the first year)
  • Purchase APR: 19.99%
  • Cash Advance APR: 22.99%
MBNA Rewards Platinum Plus Mastercard

Best No-Fee Rewards Credit Card: MBNA Rewards Platinum Plus Mastercard

It’s great to be able to earn rewards with every purchase you make with your credit card that can then be redeemed toward various types of purchases, but it’s even better when you can do so without having to pay an annual fee. When it comes to no-fee rewards credit cards, MBNA Rewards Platinum Plus Mastercard ranks right up there with the best. 

With this card, you can earn 4x the rewards points on every dollar you spend within the first 90 days of getting your card on eligible purchases, then 2x the rewards after that. For all other purchases, you’ll earn 1x the rewards points for every $1. And if you like to travel, you’ll get certain types of travel insurance with your MBNA Platinum Plus Mastercard, including accidental death benefits, unexpected return home coverage, and car rental collision damage insurance. And your points never expire as long as you keep your account open. 

  • Earn 4x rewards points for every dollar spent at participating grocery stores, gas stations, and restaurants within the first 3 months.
  • Earn 2x rewards points for every dollar spent on gas, groceries, and restaurant purchases (up to $5,000 per year in each category).
  • Earn 1x rewards points for every dollar spent on all other purchases. 
  • Earn up to 14,200 welcome bonus points.
  • Earn 5,000 points when you spend $500 within the first 3 months.
  • Earn 5,000 points when you enroll for e-statements within the first 3 months. 
  • Redeem points for travel, cash back, and more.
  • Assistance with travel ticket replacement, lost luggage, and legal help when travelling.
  • Travel insurance.
  • Save at least 10% off base rates in Canada and the U.S. and 5% off the base rates internationally at Avis and Budget Rent car rental.
  • Annual fee: $0
  • Purchase APR: 19.99%
  • Cash Advance APR: 24.99%
Scotia Momentum Visa Infinite Card

Best Credit Card For Groceries: Scotia Momentum Visa Infinite Card

No one can get away without blowing a small fortune at the grocery store, so you might as well get rewarded for your hefty expenditures. And the best way to do that is to get yourself a credit card that rewards you with plenty of points for every dollar spent at your local supermarket. There are a few to choose from in this category, but the Scotia Momentum Visa Infinite Card is probably one of the better ones. 

This card offers a hefty 4% cash back on all eligible grocery store purchases. But not only is the cash back rate high, so is the yearly cap in how much you can spend to earn that rate. You can spend as much as $25,000 in one year to earn 4% cash back, after which you will earn 1%. 

  • First year annual fee waived. 
  • Earn 4% cash back on eligible grocery store purchases after the first 90 days (on up to $25,000 spent a year).
  • Earn 4% cash back on recurring bill payments.
  • Earn 2% cash back on public transit and gas.
  • Earn 1% cash back on all other purchases.
  • Comprehensive travel insurance, including emergency medical, trip delay/cancellation, lost baggage, travel accident, and rental car damage/loss.
  • Mobile device insurance up to $1,000.
  • Includes Visa Infinite Services, like wine country discounts in Ontario and B.C. and concierge services.
  • Annual Fee: $120 (waived the first year).
  • Purchase APR: 20.99%
  • Cash Advance APR: 22.99%
American Express Cobalt Card

Best Credit Card for Restaurants and Entertainment: American Express Cobalt Card

If you love going out to eat or attending concerts and other events, then the American Express Cobalt Card is for you. You’ll earn a handsome 5 points for every dollar you spend at eligible grocery stores, restaurants, and bars, including for food deliveries. You’ll also be able to take advantage of some sweet perks that foodies and entertainment-goers will appreciate, such as front-of-the-line advance access to movies and events, and special offers and experiences, to name a few.

The avid traveller can also enjoy 2 points for every dollar spent on travel, including hotels, ground transportation, and gas. You’ll be greeted with 30,000 points, which is worth $300 in travel to help you get a leg up on saving for your next trip. All other purchases earn 1 point for every dollar spent. You can redeem your points on travel-related expenditures, Amazon purchases, or a statement credit.

  • Earn up to 30,000 points within the first year.
  • Earn 5 Points for every dollar spent on eligible groceries, food deliveries, and restaurants.
  • Earn 2 Points for every dollar spent on gas, public transit, and airline tickets.
  • Earn 1 Point for every dollar spent on all other purchases.
  • Travel insurance includes emergency medical, flight delay, lost/stolen baggage, hotel burglary, and car rental damage or theft.
  • Enjoy advanced screenings of movies.
  • Redeem points on streaming services, movie tickets, concerts and events, eats and drinks, retail, and more. 
  • Annual fees: $120
  • Purchase APR: 19.99%
  • Cash Advance APR: 21.99%

Why Apply For a Rewards Credit Card?

Credit cards not only make it convenient to purchase products or services without having to carrying cash, but they can also benefit you, too. If you pick the one that suits your particular lifestyle, you’ll find yourself collecting points that can then be put toward the exact types of expenditures you make, helping you to reduce the cost of such purchases. 

Every time you hit the stores, those points will add up without you even thinking about it. And when you’re ready to book a hotel, pay for a meal, or buy your groceries, you may find that you have enough points to cover the cost. 

That’s the beauty of rewards credit cards. As long as you choose a credit card with a rewards program that suits you well, you can make that card work for you. 

Pros and Cons of a Rewards Credit Card

Should you apply for a rewards credit card? Before you do, weigh the pros and cons of these financial products.

Pros 

  • Earn rewards points every time you use the card to make a purchase
  • Redeem for various purchases and perks
  • Use points to pay for groceries, entertainment, travel expenses, and merchandise
  • Take advantage of big welcome bonuses
  • Gain access to VIP airport lounges in some cases
  • Travel insurance for medical, trip cancellations, and rental car damage
  • Build good credit with responsible use

Cons

  • Expensive annual fees for most rewards cards
  • Some cards charge foreign transaction fees 
  • High credit score may be necessary
  • High income may be necessary

How to Choose The Right Rewards Credit Card

There are dozens of rewards credit cards available, so how do you know you’re picking the right one? Every credit card has its own set of perks and drawbacks that you should assess before you apply, but some might be better suited for your lifestyle than others. Based on the above list, there is one card that we feel is best for various categories, which should help you narrow down your choices. 

Here are some considerations to make when choosing the right rewards credit card for you:

  • Opt for a card that offers high rewards for each dollar you spend. 
  • Check out the welcome points bonus to help you get a head start.
  • Look for cards that offer a significant number of points per $1 at places that you normally spend your money at, like restaurants or grocery stores. 
  • Look at various perks that each card offers, such as travel insurance.
  • Verify whether or not foreign transaction fees are charged.
  • Consider the annual fee.

How to Get The Most Value From a Rewards Credit Card

To get the most out of your rewards credit card, consider the following:

  • Make sure the rewards align with your interests. There are different rewards programs, and the one that you choose should match your interests and lifestyle. 
  • Use your rewards credit card for all your purchases. Every dollar helps you earn points, so the more you use your card – versus cash or debit cards – the more points you can accumulate. 
  • Get familiar with the terms of the rewards. Make sure you are spending wisely with your card to maximize your rewards by checking out the fine print on your credit card. 
  • Use your rewards credit card where you’ll collect the most points. Rewards credit cards offer more rewards points for purchases made at participating retailers, so try to focus your expenditures at these places to collect the most rewards. 
  • Look out for bonus point-earning incentives. Some rewards credit cards offer incentives to earn extra rewards for specific purchases from time to time. When this happens, take advantage to earn more points.
  • Add an authorized credit card user. Add your spouse or partner to your account as an authorized user to help collect more rewards points faster. 

Final Thoughts

Everyone has expenses to pay for. And even the purchases that are considered leisurely still require you to open your wallet. But rather than part with your cash and get nothing back in return, you could be using a rewards credit card that can help you earn rewards points for every dollar you spend. There are tons of rewards credit cards out there, so you’ll want to make sure you pick one that closely aligns with your lifestyle. 

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Sign Up Bonus Annual Fee Purchase APR Cash Advance Interest Rate Regular Balance Transfer Rate Recommended Credit Score
Sign Up Bonus Annual Fee Purchase APR Cash Advance Interest Rate Regular Balance Transfer Rate Recommended Credit Score
Scotiabank® American Express® Card logo

Scotiabank® American Express® Card

5,000
Earn 5,000 bonus Scotia Rewards points with your first $500 in everyday purchases in first 3 months
$0
19.99%
22.99%
22.99%
740-850
Apply
Scotiabank® American Express® Card logo

Scotiabank® American Express® Card

Apply for this card

Sign Up Bonus

5,000

Annual Fee

$0

Snapshot of card details

Purchase APR
19.99%
Cash Advance Interest Rate
22.99%
Regular Balance Transfer Rate
22.99%
Recommended Credit Score
740-850
  • Earn 5,000 bonus Scotia Rewards points with your first $500 in everyday purchases in first 3 months
  • Earn one Scotia Rewards point on all eligible everyday purchases
  • Flexible Point Redemption
  • Rates, fees and other information are effective as of Sep 1, 2020. Subject to change.
SCENE® Visa® Card logo

SCENE® Visa® Card

2,500 points
Earn 2,500 bonus SCENE points with your first $500 in everyday purchases in first 3 months
$0
19.99%
22.99%
22.99%
670-739
Apply
SCENE® Visa® Card logo

SCENE® Visa® Card

Apply for this card

Sign Up Bonus

2,500 points

Annual Fee

$0

Snapshot of card details

Purchase APR
19.99%
Cash Advance Interest Rate
22.99%
Regular Balance Transfer Rate
22.99%
Recommended Credit Score
670-739
  • Earn 2,500 bonus SCENE points with your first $500 in everyday purchases in first 3 months
  • Earn 1 SCENE point for every $1 you spend on credit card purchases
  • Earn 5 SCENE points for every $1 you spend on SCENE Visa purchases at participating Cineplex Entertainment theatres or online at cineplex.com
  • Rates, fees and other information are effective as of Sep 1, 2020. Subject to change.
No-Fee Scotiabank Value® Visa® Card logo

No-Fee Scotiabank Value® Visa® Card

3.99%
3.99% introductory interest rate on balance transfers for the first 6 months (16.99% after that)
$0
16.99%
16.99%
16.99%
670-739
Apply
No-Fee Scotiabank Value® Visa® Card logo

No-Fee Scotiabank Value® Visa® Card

Apply for this card

Sign Up Bonus

3.99%

Annual Fee

$0

Snapshot of card details

Purchase APR
16.99%
Cash Advance Interest Rate
16.99%
Regular Balance Transfer Rate
16.99%
Recommended Credit Score
670-739
  • 3.99% introductory interest rate on balance transfers for the first 6 months (16.99% after that)
  • A great low rate with no annual fee
  • Pay down balances faster
  • Simplify your monthly payments
  • Rates, fees and other information are effective as of Sep 1, 2020. Subject to change.
Scotiabank Value® Visa® Card logo

Scotiabank Value® Visa® Card

0.99%
0.99% introductory interest rate on balance transfers for the first 6 months (12.99% after that)
$29
12.99%
12.99%
12.99%
670-739
Apply
Scotiabank Value® Visa® Card logo

Scotiabank Value® Visa® Card

Apply for this card

Sign Up Bonus

0.99%

Annual Fee

$29

Snapshot of card details

Purchase APR
12.99%
Cash Advance Interest Rate
12.99%
Regular Balance Transfer Rate
12.99%
Recommended Credit Score
670-739
  • 0.99% introductory interest rate on balance transfers for the first 6 months (12.99% after that; annual fee $29)
  • Save hundreds of dollars in interest a year
  • Low 12.99% interest rate
  • Pay down balances faster
  • Simplify your monthly payments
  • Rates, fees and other information are effective as of Sep 1, 2020. Subject to change.
BMO® Preferred Rate MasterCard® logo

BMO® Preferred Rate MasterCard®

3.99%
Get a 3.99% introductory interest rate on Balance Transfers for 9 months with a 1% transfer fee
$20
First year annual fee waived
12.99%
12.99%
12.99%
670-739
Apply
BMO® Preferred Rate MasterCard® logo

BMO® Preferred Rate MasterCard®

Apply for this card

Sign Up Bonus

3.99%

Annual Fee

$20

Snapshot of card details

Purchase APR
12.99%
Cash Advance Interest Rate
12.99%
Regular Balance Transfer Rate
12.99%
Recommended Credit Score
670-739
  • Welcome offer: Get a 3.99% introductory interest rate on Balance Transfers for 9 months with a 1% transfer fee and we’ll waive the $20 annual fee for the first year
  • Enjoy our lowest interest rate of 12.99% on purchases and cash advances
  • Free extended warranty and purchase protection
  • Zero Dollar Liability: protects you from unauthorized use of your credit card
  • Worldwide acceptance at over 30 million locations
Shell AIR MILES® World MasterCard® from BMO logo

Shell AIR MILES® World MasterCard® from BMO

0
$99
19.99%
22.99%
22.99%
740-850
Apply
Shell AIR MILES® World MasterCard® from BMO logo

Shell AIR MILES® World MasterCard® from BMO

Apply for this card

Sign Up Bonus

0

Annual Fee

$99

Snapshot of card details

Purchase APR
19.99%
Cash Advance Interest Rate
22.99%
Regular Balance Transfer Rate
22.99%
Recommended Credit Score
740-850
  • 1.25x Miles on card purchases at Shell locations in Canada
  • 1 Mile for every $15 in card purchases everywhere else MasterCard is accepted
BMO® Sobeys AIR MILES® MasterCard® logo

BMO® Sobeys AIR MILES® MasterCard®

800
When you spend $1,000 in the first 3 months
$0
19.99%
22.99%
22.99%
670-739
Apply
BMO® Sobeys AIR MILES® MasterCard® logo

BMO® Sobeys AIR MILES® MasterCard®

Apply for this card

Sign Up Bonus

800

Annual Fee

$0

Snapshot of card details

Purchase APR
19.99%
Cash Advance Interest Rate
22.99%
Regular Balance Transfer Rate
22.99%
Recommended Credit Score
670-739
  • WELCOME BONUS! Get 800 AIR MILES Bonus Miles
  • New! Always get 2x the miles at participating* AIR MILES Partners. That’s 2 Miles for every $20 you spend using your BMO Sobeys AIR MILES Mastercard
  • 2x the Miles for every $20 spent at Sobeys
  • 1 Mile for every $20 spent everywhere else
  • Extended Warranty and Purchase Protection
  • No Annual Fee
BMO® IGA AIR MILES® MasterCard® logo

BMO® IGA AIR MILES® MasterCard®

800
When you spend $1,000 in the first 3 months
$0
19.99%
22.99%
22.99%
670-739
Apply
BMO® IGA AIR MILES® MasterCard® logo

BMO® IGA AIR MILES® MasterCard®

Apply for this card

Sign Up Bonus

800

Annual Fee

$0

Snapshot of card details

Purchase APR
19.99%
Cash Advance Interest Rate
22.99%
Regular Balance Transfer Rate
22.99%
Recommended Credit Score
670-739
  • WELCOME BONUS! Get 800 AIR MILES Bonus Miles
  • New! Always get 2x the miles at participating* AIR MILES Partners. That’s 2 Miles for every $20 you spend using your BMO IGA AIR MILES Mastercard
  • Get 2 Miles for every $20 spent at IGA
  • 1 Mile for every $20 spent everywhere else
  • Extended Warranty and Purchase Protection
  • No Annual Fee*\
Shell AIR MILES® MasterCard® from BMO logo

Shell AIR MILES® MasterCard® from BMO

800
After first purchase
$0
19.99%
22.99%
22.99%
670-739
Apply
Shell AIR MILES® MasterCard® from BMO logo

Shell AIR MILES® MasterCard® from BMO

Apply for this card

Sign Up Bonus

800

Annual Fee

$0

Snapshot of card details

Purchase APR
19.99%
Cash Advance Interest Rate
22.99%
Regular Balance Transfer Rate
22.99%
Recommended Credit Score
670-739
  • WELCOME BONUS! Get 800 AIR MILES Bonus Miles
  • New! Always get 2x the miles at participating AIR MILES Partners. That’s 2 Miles for every $20 you spend using your Shell AIR MILES MasterCard from BMO
  • 1 Mile for every $20 in card purchases everywhere else
  • No Annual Fee
BMO® Rewards MasterCard® logo

BMO® Rewards MasterCard®

15,000
Minimum spend of $1,000 for the first 3 months
$0
19.99%
22.99%
22.99%
670-739
Apply
BMO® Rewards MasterCard® logo

BMO® Rewards MasterCard®

Apply for this card

Sign Up Bonus

15,000

Annual Fee

$0

Snapshot of card details

Purchase APR
19.99%
Cash Advance Interest Rate
22.99%
Regular Balance Transfer Rate
22.99%
Recommended Credit Score
670-739
  • Welcome Offer: Get up to 15,000 BMO Rewards welcome points
  • 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
  • Zero Dollar Liability: protects you from unauthorized use of your credit card
ScotiaGold Passport® Visa card logo

ScotiaGold Passport® Visa card

5,000
5,000 welcome bonus points on first purchase.
$110
19.99%
22.99%
22.99%
670-739
Apply
ScotiaGold Passport® Visa card logo

ScotiaGold Passport® Visa card

Apply for this card

Sign Up Bonus

5,000

Annual Fee

$110

Snapshot of card details

Purchase APR
19.99%
Cash Advance Interest Rate
22.99%
Regular Balance Transfer Rate
22.99%
Recommended Credit Score
670-739
  • Earn 5,000 bonus Scotia Rewards points upon your first purchase
  • Earn 1 Scotia Rewards point for every $1 you spend on eligible everyday purchases
  • 5% cash back on travel purchased through Scotia Rewards Flexible Point Redemption
  • Rates, fees and other information are effective as of Sep 1, 2020. Subject to change.
Scotiabank® GM® Visa Infinite card logo

Scotiabank® GM® Visa Infinite card

0
$79
First year annual fee waived
19.99%
22.99%
22.99%
670-739
Apply
Scotiabank® GM® Visa Infinite card logo

Scotiabank® GM® Visa Infinite card

Apply for this card

Sign Up Bonus

0

Annual Fee

$79

Snapshot of card details

Purchase APR
19.99%
Cash Advance Interest Rate
22.99%
Regular Balance Transfer Rate
22.99%
Recommended Credit Score
670-739
  • First year annual fee waived
  • Get closer to your new car with up to 5% in GM Earnings
  • Earn 5% in GM Earnings on the first $10,000 spent annually, and 2% thereafter
  • $1 in GM Earning = $1 off the purchase price or lease of a new Chevrolet, Buick, GMC, or Cadillac
  • No earning or redemption caps
  • Rates, fees and other information are effective as of Sep 1, 2020. Subject to change.
Scotiabank® GM® Visa card logo

Scotiabank® GM® Visa card

0
$0
Earn 5% in GM Earnings on the first $5,000 spent annually, and 2% thereafter.
19.99%
22.99%
17.99%
670-739
Apply
Scotiabank® GM® Visa card logo

Scotiabank® GM® Visa card

Apply for this card

Sign Up Bonus

0

Snapshot of card details

Purchase APR
19.99%
Cash Advance Interest Rate
22.99%
Regular Balance Transfer Rate
17.99%
Recommended Credit Score
670-739
  • Get closer to your new car with up to 5% in GM Earnings
  • Earn 5% in GM Earnings on the first $5,000 spent annually, and 2% thereafter
  • $1 in GM Earning = $1 off the purchase price or lease of a new Chevrolet, Buick, GMC, or Cadillac
  • No earning or redemption caps
  • Rates, fees and other information are effective as of Sep 1, 2020. Subject to change.
Scotiabank® Platinum American Express® card logo

Scotiabank® Platinum American Express® card

30,000
After first purchase within 60 days of account opening
$399
19.99%
22.99%
22.99%
670-739
Apply
Scotiabank® Platinum American Express® card logo

Scotiabank® Platinum American Express® card

Apply for this card

Sign Up Bonus

30,000

Annual Fee

$399

Snapshot of card details

Purchase APR
19.99%
Cash Advance Interest Rate
22.99%
Regular Balance Transfer Rate
22.99%
Recommended Credit Score
670-739
  • Earn 30,000 bonus Scotia Rewards points upon first purchase
  • Earn 4x Scotia Rewards points for every $1 you spend at gas stations, grocery stores, on dining and entertainment
  • Earn one point on all other eligible everyday purchases
  • Complimentary membership to Priority Pass Airport Lounges Worldwide
  • Rates, fees and other information are effective as of Sep 1, 2020. Subject to change.
Scotiabank® Gold American Express® card logo

Scotiabank® Gold American Express® card

20,000
Earn 25,000 bonus Scotia Rewards points with your first $1,000 in everyday purchases in first 3 months
$120
19.99%
22.99%
22.99%
740-850
Apply
Scotiabank® Gold American Express® card logo

Scotiabank® Gold American Express® card

Apply for this card

Sign Up Bonus

20,000

Annual Fee

$120

Snapshot of card details

Purchase APR
19.99%
Cash Advance Interest Rate
22.99%
Regular Balance Transfer Rate
22.99%
Recommended Credit Score
740-850
  • Earn 25,000 bonus Scotia Rewards points with your first $1,000 in everyday purchases in first 3 months
  • Earn 5 Scotia Rewards points for every $1 you spend at eligible grocery stores, dining and entertainment
  • Earn 3 Scotia Rewards points for every $1 you spend at eligible gas stations, daily transit, and select streaming services
  • Earn 1 point for every $1 you spend on all other eligible everyday purchases
  • Complimentary Concierge Services 24/7
  • Amex exclusive benefits (Front Of The Line)
  • Rates, fees, offers and other information are effective as of Sep 1, 2020. Subject to change.
Scotiabank® American Express® Card logo

Scotiabank® American Express® Card

Snapshot of card details

Purchase APR
19.99%
Cash Advance Interest Rate
22.99%
Regular Balance Transfer Rate
22.99%
Recommended Credit Score
740-850

5,000

Sign Up Bonus Earn 5,000 bonus Scotia Rewards points with your first $500 in everyday purchases in first 3 months
  • Earn 5,000 bonus Scotia Rewards points with your first $500 in everyday purchases in first 3 months
  • Earn one Scotia Rewards point on all eligible everyday purchases
  • Flexible Point Redemption
  • Rates, fees and other information are effective as of Sep 1, 2020. Subject to change.
SCENE® Visa® Card logo

SCENE® Visa® Card

Snapshot of card details

Purchase APR
19.99%
Cash Advance Interest Rate
22.99%
Regular Balance Transfer Rate
22.99%
Recommended Credit Score
670-739

2,500 points

Sign Up Bonus Earn 2,500 bonus SCENE points with your first $500 in everyday purchases in first 3 months
  • Earn 2,500 bonus SCENE points with your first $500 in everyday purchases in first 3 months
  • Earn 1 SCENE point for every $1 you spend on credit card purchases
  • Earn 5 SCENE points for every $1 you spend on SCENE Visa purchases at participating Cineplex Entertainment theatres or online at cineplex.com
  • Rates, fees and other information are effective as of Sep 1, 2020. Subject to change.
No-Fee Scotiabank Value® Visa® Card logo

No-Fee Scotiabank Value® Visa® Card

Snapshot of card details

Purchase APR
16.99%
Cash Advance Interest Rate
16.99%
Regular Balance Transfer Rate
16.99%
Recommended Credit Score
670-739

3.99%

Sign Up Bonus 3.99% introductory interest rate on balance transfers for the first 6 months (16.99% after that)
  • 3.99% introductory interest rate on balance transfers for the first 6 months (16.99% after that)
  • A great low rate with no annual fee
  • Pay down balances faster
  • Simplify your monthly payments
  • Rates, fees and other information are effective as of Sep 1, 2020. Subject to change.
Scotiabank Value® Visa® Card logo

Scotiabank Value® Visa® Card

Snapshot of card details

Purchase APR
12.99%
Cash Advance Interest Rate
12.99%
Regular Balance Transfer Rate
12.99%
Recommended Credit Score
670-739

0.99%

Sign Up Bonus 0.99% introductory interest rate on balance transfers for the first 6 months (12.99% after that)
  • 0.99% introductory interest rate on balance transfers for the first 6 months (12.99% after that; annual fee $29)
  • Save hundreds of dollars in interest a year
  • Low 12.99% interest rate
  • Pay down balances faster
  • Simplify your monthly payments
  • Rates, fees and other information are effective as of Sep 1, 2020. Subject to change.
BMO® Preferred Rate MasterCard® logo

BMO® Preferred Rate MasterCard®

Snapshot of card details

Purchase APR
12.99%
Cash Advance Interest Rate
12.99%
Regular Balance Transfer Rate
12.99%
Recommended Credit Score
670-739

3.99%

Sign Up Bonus Get a 3.99% introductory interest rate on Balance Transfers for 9 months with a 1% transfer fee
  • Welcome offer: Get a 3.99% introductory interest rate on Balance Transfers for 9 months with a 1% transfer fee and we’ll waive the $20 annual fee for the first year
  • Enjoy our lowest interest rate of 12.99% on purchases and cash advances
  • Free extended warranty and purchase protection
  • Zero Dollar Liability: protects you from unauthorized use of your credit card
  • Worldwide acceptance at over 30 million locations
Shell AIR MILES® World MasterCard® from BMO logo

Shell AIR MILES® World MasterCard® from BMO

Snapshot of card details

Purchase APR
19.99%
Cash Advance Interest Rate
22.99%
Regular Balance Transfer Rate
22.99%
Recommended Credit Score
740-850

0

Sign Up Bonus
  • 1.25x Miles on card purchases at Shell locations in Canada
  • 1 Mile for every $15 in card purchases everywhere else MasterCard is accepted
BMO® Sobeys AIR MILES® MasterCard® logo

BMO® Sobeys AIR MILES® MasterCard®

Snapshot of card details

Purchase APR
19.99%
Cash Advance Interest Rate
22.99%
Regular Balance Transfer Rate
22.99%
Recommended Credit Score
670-739

800

Sign Up Bonus When you spend $1,000 in the first 3 months
  • WELCOME BONUS! Get 800 AIR MILES Bonus Miles
  • New! Always get 2x the miles at participating* AIR MILES Partners. That’s 2 Miles for every $20 you spend using your BMO Sobeys AIR MILES Mastercard
  • 2x the Miles for every $20 spent at Sobeys
  • 1 Mile for every $20 spent everywhere else
  • Extended Warranty and Purchase Protection
  • No Annual Fee
BMO® IGA AIR MILES® MasterCard® logo

BMO® IGA AIR MILES® MasterCard®

Snapshot of card details

Purchase APR
19.99%
Cash Advance Interest Rate
22.99%
Regular Balance Transfer Rate
22.99%
Recommended Credit Score
670-739

800

Sign Up Bonus When you spend $1,000 in the first 3 months
  • WELCOME BONUS! Get 800 AIR MILES Bonus Miles
  • New! Always get 2x the miles at participating* AIR MILES Partners. That’s 2 Miles for every $20 you spend using your BMO IGA AIR MILES Mastercard
  • Get 2 Miles for every $20 spent at IGA
  • 1 Mile for every $20 spent everywhere else
  • Extended Warranty and Purchase Protection
  • No Annual Fee*\
Shell AIR MILES® MasterCard® from BMO logo

Shell AIR MILES® MasterCard® from BMO

Snapshot of card details

Purchase APR
19.99%
Cash Advance Interest Rate
22.99%
Regular Balance Transfer Rate
22.99%
Recommended Credit Score
670-739

800

Sign Up Bonus After first purchase
  • WELCOME BONUS! Get 800 AIR MILES Bonus Miles
  • New! Always get 2x the miles at participating AIR MILES Partners. That’s 2 Miles for every $20 you spend using your Shell AIR MILES MasterCard from BMO
  • 1 Mile for every $20 in card purchases everywhere else
  • No Annual Fee
BMO® Rewards MasterCard® logo

BMO® Rewards MasterCard®

Snapshot of card details

Purchase APR
19.99%
Cash Advance Interest Rate
22.99%
Regular Balance Transfer Rate
22.99%
Recommended Credit Score
670-739

15,000

Sign Up Bonus Minimum spend of $1,000 for the first 3 months
  • Welcome Offer: Get up to 15,000 BMO Rewards welcome points
  • 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
  • Zero Dollar Liability: protects you from unauthorized use of your credit card
ScotiaGold Passport® Visa card logo

ScotiaGold Passport® Visa card

Snapshot of card details

Purchase APR
19.99%
Cash Advance Interest Rate
22.99%
Regular Balance Transfer Rate
22.99%
Recommended Credit Score
670-739

5,000

Sign Up Bonus 5,000 welcome bonus points on first purchase.
  • Earn 5,000 bonus Scotia Rewards points upon your first purchase
  • Earn 1 Scotia Rewards point for every $1 you spend on eligible everyday purchases
  • 5% cash back on travel purchased through Scotia Rewards Flexible Point Redemption
  • Rates, fees and other information are effective as of Sep 1, 2020. Subject to change.
Scotiabank® GM® Visa Infinite card logo

Scotiabank® GM® Visa Infinite card

Snapshot of card details

Purchase APR
19.99%
Cash Advance Interest Rate
22.99%
Regular Balance Transfer Rate
22.99%
Recommended Credit Score
670-739

0

Sign Up Bonus
  • First year annual fee waived
  • Get closer to your new car with up to 5% in GM Earnings
  • Earn 5% in GM Earnings on the first $10,000 spent annually, and 2% thereafter
  • $1 in GM Earning = $1 off the purchase price or lease of a new Chevrolet, Buick, GMC, or Cadillac
  • No earning or redemption caps
  • Rates, fees and other information are effective as of Sep 1, 2020. Subject to change.
Scotiabank® GM® Visa card logo

Scotiabank® GM® Visa card

Snapshot of card details

Purchase APR
19.99%
Cash Advance Interest Rate
22.99%
Regular Balance Transfer Rate
17.99%
Recommended Credit Score
670-739

0

Sign Up Bonus
  • Get closer to your new car with up to 5% in GM Earnings
  • Earn 5% in GM Earnings on the first $5,000 spent annually, and 2% thereafter
  • $1 in GM Earning = $1 off the purchase price or lease of a new Chevrolet, Buick, GMC, or Cadillac
  • No earning or redemption caps
  • Rates, fees and other information are effective as of Sep 1, 2020. Subject to change.
Scotiabank® Platinum American Express® card logo

Scotiabank® Platinum American Express® card

Snapshot of card details

Purchase APR
19.99%
Cash Advance Interest Rate
22.99%
Regular Balance Transfer Rate
22.99%
Recommended Credit Score
670-739

30,000

Sign Up Bonus After first purchase within 60 days of account opening
  • Earn 30,000 bonus Scotia Rewards points upon first purchase
  • Earn 4x Scotia Rewards points for every $1 you spend at gas stations, grocery stores, on dining and entertainment
  • Earn one point on all other eligible everyday purchases
  • Complimentary membership to Priority Pass Airport Lounges Worldwide
  • Rates, fees and other information are effective as of Sep 1, 2020. Subject to change.
Scotiabank® Gold American Express® card logo

Scotiabank® Gold American Express® card

Snapshot of card details

Purchase APR
19.99%
Cash Advance Interest Rate
22.99%
Regular Balance Transfer Rate
22.99%
Recommended Credit Score
740-850

20,000

Sign Up Bonus Earn 25,000 bonus Scotia Rewards points with your first $1,000 in everyday purchases in first 3 months
  • Earn 25,000 bonus Scotia Rewards points with your first $1,000 in everyday purchases in first 3 months
  • Earn 5 Scotia Rewards points for every $1 you spend at eligible grocery stores, dining and entertainment
  • Earn 3 Scotia Rewards points for every $1 you spend at eligible gas stations, daily transit, and select streaming services
  • Earn 1 point for every $1 you spend on all other eligible everyday purchases
  • Complimentary Concierge Services 24/7
  • Amex exclusive benefits (Front Of The Line)
  • Rates, fees, offers and other information are effective as of Sep 1, 2020. Subject to change.