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Website #4 - Best Credit Cards in Canada 2019 

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Website #4 - Best Credit Cards in Canada 2019 

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This has to be the most informal websites that we have come across in our research. This website has a very helpfully chart on it which compares 10 different credit card companies and what they have to offer their clients.
The chart includes credit card names, credit card types, special card features, annual fees, and credit card reviews.
Each card has its own sections in the lower parts of the website where in three to four paragraphs which includes eligibility criteria, what you have to have to get this card. Its also included details of what the card has to offer, how to gain points / cash back. It also clearly outlines the costs associated with these cards to there are no surprises.

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Advertiser Disclosure This article/post contains references to products or services from one or more of our advertisers or partners. We may receive compensation when you click on links to those products or services.

If you're looking to bathe yourself in points, miles, cash or simply bask in the glory of 0% interest rates, Greedyrates.ca' s latest picks for Canada's Best Credit Cards for 2019 should get you lathered-up into a frenzy! You can stick with the card you have in your wallet, but do so at your own risk. Click the navigation links below to get to your preferable credit category quicker.

Credit Cards Comparison in Canada in 2019

Best Credit Card Offer

This offer is not available for residents of Quebec. For Quebec residents, please click here.

In addition to being a purposeful and effective tool for earning cash back on gas, grocery, and recurring bill purchases, the TD Cash Back Visa Infinite card also offers one of the market's best exclusive introductory bonus offer of 6% on eligible purchase categories for your first 3 months. Although the offer extends up to a maximum spend of $3,500 worth of total spending in these categories (that's $210 cash back), that's a lot of value.

The card is also worthwhile after the promotion ends, collecting at a regular rate of 3% in the categories mentioned previously, and then 1% everywhere else. Use the cash to pay down your account balance however you like, or let it collect indefinitely with no expiration. You'll also enjoy complimentary membership to TD's Auto Club, which provides roadside assistance to cardholders. With travel medical insurance included along these benefits, it's not surprising that cardholders will need to show a $60,000 minimum income to become eligible, and pay a $120 annual fee.
Click here to apply for the TD Cash Back Visa Infinite
Best Credit Card for Cash Back Promotion and First Annual Fee Waiver
Scotia Momentum Visa Infinite
If you are seeking cash back rewards, the Scotia Momentum Visa Infinite offers some of the most comprehensive cash back accrual rates in Canada.

Cardholders receive 4% cash back on eligible grocery and gas purchases-one of the highest regular rates in Canada for these purchase categories. This is capped at a very high annual spend limit of $25,000 ($1,000 cash back). The card also returns 2% cash back at pharmacies and automated recurring bills. All other purchases generate 1% cash back.

The Momentum Visa Infinite card also delivers the Canadian market's best introductory cash back promotion, with 10% cash back for your first 3 months on everyday expenses. New cardholders will earn at 10% until the 3 months is over or until they've collected $200 cash back (up to a maximum spend of $2,000 in the first 3 months). Be aware however that one must apply before April 30, 2019 to be eligible for the accelerated cash back promotion and the annual fee waiver.

This may seem like enough, but Scotia's Visa Infinite card also offers entry to fine dining experiences and music performances, and provides perks at luxury hotels. To add even more value, cardholders gain access to an around-the-clock concierge service for all their planning and reservation needs. Finally, the Scotia Momentum card offers excellent travel benefits including several kinds of travel insurance like medical, trip interruption, flight delay, and more.

All of this is sweetened by the fact that the card waives its annual fee for the first 12 months (accounts must be opened by date included in the terms and conditions; please click on the link below).

For more cash back categories, visit our page of the Best Cash Back Credit Card Rankings in Canada for 2 019.
Click Here To Apply For The Scotia Momentum Visa Infinite
Best Credit Card for Aeroplan

TD® Aeroplan® Visa Infinite

Eligibility Criteria:
- Credit score required: good_excellent
- Min personal income required: $60000
- Annual fees: $120

This offer is not available for residents of Quebec. For Quebec residents, please click here.

Those who fly often with Air Canada will appreciate the ability to weave future travel plans into their daily purchasing habits. The best credit card for the job is TD® Aeroplan® Visa Infinite, which not only offers a generous and immediate Aeroplan miles bonus but also grants extra benefits on Air Canada flights. New cardholders will receive 30000 Aeroplan Miles - 15,000 Aeroplan Miles just for making an initial purchase with the card (even something like a candy bar qualifies) and then another 15,000 Miles for spending $1,000 in their first 3 months, Better yet, they'll earn 1.5 Aeroplan miles for every $1 spent on groceries, gas, drugstore, and aircanada.com purchases. Outside these categories cardholders will collect 1 Aeroplan mile for every $1 spent.

Additional Aeroplan benefits mean that cardholders will double their Miles earn rate at any participating Aeroplan partner retailers or at the Aeroplan eStore, and Aeroplan miles will never expire for members. On Air Canada flights, complimentary checked bags and priority boarding is nice to have. The card's $120 fee, rebated in the first year, is accompanied by the addition of other lucrative travel perks: Visa Infinite cardholders will also enjoy a full suite of travel insurance including coverage for travel medical, trip cancellation and interruption, delayed and lost baggage, flight or trip delay, auto rental collisions and damage, and even a one-time annual pass to the Air Canada Maple Leaf Lounge. Finally, we always appreciate purchase security and extended warranty coverage for new items bought with the card, as well as worldwide discounts at Avis and Budget Rent A Car of up to 10%.

Applicants should keep in mind that the minimum individual and household income requirement for eligibility is $60,000 and $100,000, respectively. Those with a higher annual income might even consider the TD® Aeroplan® Visa Infinite Privilege card, which is similar but upgraded in many respects (higher earn rate, better bonus, additional airport lounge passes, and more).
Click here to apply for the TD® Aeroplan® Visa Infinite card
Best Credit Card for Flexible Cash Back

Cash back is a pretty straightforward perk, but even a straightforward perk should ideally be tailored to a cardholder's interests. With the Tangerine Money-Back card, it's easy for cardholders to choose two purchase categories where they'll earn 2% cash back. The card breaks up purchases into different groups: grocery, furniture, restaurants, hotel-motel, gas, recurring bills, drug store, home improvement, entertainment, and public transit and parking. Cardholders simply need to do an analysis of where they spend the most each month before picking the relevant cash back categories to begin earning.

By choosing to send all or a portion of their cash back to a Tangerine Savings Account, cardholders will earn the right to choose a third cash back category. On purchases not from a chosen category, cash back accrues at 0.5%. The way that cash back is redeemed is also flexible: you're given your cash back monthly and can decide to apply it to your balance or send it to a savings account.

As an additional perk, other authorized users on your account can receive supplementary cards for free and enjoy earning cash back alongside you. You'll also enjoy protection for new items purchased with the card and extended manufacturer's warranties where applicable.
Click here to apply for the Tangerine Money-Back card
Best Credit Card for Going Out

A night out on the town in Canada is rarely cheap. But with the new Cobalt card from American Express, cardholders can earn accelerated reward points on all their restaurant spend, and then redeem these points on travel and entertainment.

In addition to having a great credit card referral program bonus, the card's standout feature is its massive earning rate on food: 5 points per $1 spent on dining out (and in!). This includes restaurants, bars, takeout, and even groceries. Points are also earned on travel in all its forms, with 2 points accrued per $1 spent on taxis, ridesharing, rail, gas, and airfare.

Fast rewards for everyday purchases are complemented by the card's special purchase interest rate promotion: 7.99% interest on all purchases charged to the card in your first 6 months. This half-year period can be used to save money on a big-ticket item, trip, or other expense that you aren't able to pay off immediately.

Amex's generous bonus offer adds even more value. The introductory promotion allows new cardholders to get up to 30000 points in their first year - just for spending $500 per month. 1 rewards point is equal to $0.01, giving the first-year bonus a potential value of $300. Cardholders can redeem their rewards by treating themselves to concerts, sport events, theatre, or any other Ticketmaster event they like. Or, if they prefer to get out of town, they can cash in the rewards for a long-haul flight to virtually anywhere in Canada or the continental United States.
Click Here To Apply For The American Express Cobalt™ Card
Best Credit Card for People Looking For Free Travel

This card is phenomenal if you're looking for a rich sign-up bonus, redemption flexibility, insurance and a great rewards rate.

The American Express Gold Rewards Card comes with a great welcome bonus. First, it comes with a 25000-point welcome bonus (minimum spend of $1500 in the first 3 months). The great thing about the welcome bonus is that you can either use it as a $250 credit against any travel expense on your credit card statement. Or, you can convert it to Aeroplan miles 1:1 at no extra cost, meaning it effectively becomes a 25000 bonus Aeroplan miles!

The Amex Gold Rewards card also happens to be a great rewards earner, but more than that, the highest earning Aeroplan credit card in the country. You get 2 points per dollar spent in grocery, gas, pharmacy and all travel purchases and point everywhere else. Remember, if you convert your points to Aeroplan that's 2 Aeroplan miles in gas, grocery, pharmacy and all travel! The best any other Aeroplan credit card does is offer 1.5 miles per dollar spent!

With 25000 points that can be converted into a $250 travel credit or 25000 Aeroplan miles, you can redeem for a return flight to anywhere in North America from any Canadian city!
Click Here To Apply For The American Express Gold Rewards Card
Best Credit Card for Hotels

Eligibility Criteria:
- Credit score required: fair_good
- Min personal income required: N/A
- Annual fees: $0
- This offer is not available for residents of Quebec. For residents of Quebec, please click here

The MBNA Best Western Rewards Mastercard earns points for hotel stays. It's an excellent choice for frequent travellers or those who love a vacation (which would be...well...everyone). Cardholders earn 1 Best Western Rewards point for every $1 charged to the card. And eligible purchases at Best Western properties earn a massive 5 points per $1 spent, one of the most accelerated earn rates of any rewards card in Canada. On top of this, new cardholders get a welcome bonus of 20000 points-enough for a free night stay at a Best Western property. The signup bonus is earned for making any purchase on the card, no matter how small.

Along with the accelerated earn rate and welcome bonus, the MBNA Best Western Mastercard offers fast-track Gold Elite Status after the 1st eligible purchase with the card. Diamond Elite Status is earned after spending $10,000 on this card in a calendar year. These statuses enable cardholders to earn even more bonus points on every Best Western property stay, as well as special room upgrades and premium options like late check out.

Best Western Rewards points never expire and can be redeemed for the aforementioned free hotel stays, as well as transferred to other rewards programs, used to make a charitable donation, or exchanged for gift cards and merchandise. The card also comes with other MBNA perks including lost luggage assistance, travel insurance, rental car coverage, and extended warranty benefits and purchase assurance.

Overall, the Best Western Rewards Mastercard has quite an impressive set of perks for a card with $0 annual fee.
Click here to apply for the MBNA Best Western Mastercard
Best Credit Card for Insurance Coverage

The benefits of credit card membership are not limited to merchandise rewards or airfare; another advantage offered by select cards is protection during life's unexpected and unfortunate incidents. The BMO World Elite Mastercard is ideal for those who value these perks, as the card comes with a broad variety of travel insurance features that keep cardholders safe while they are away from home. It also provides $540 in cash value nearly immediately to new cardholders (more on that later).

The BMO World Elite card includes one of the most sought after travel features for Canadians: out-of-province emergency medical insurance. Those who experience a medical emergency during their travels have $2 million-worth of coverage at their disposal designed to defray hospital and other care costs.

But medical emergencies are just one of many complications that may arise during travel, and this Mastercard extends its protective advantages to other areas of necessity. Members will enjoy insurance for rental cars, trip cancellation, trip interruption, flight delay, and baggage. The card also comes with a wealth of additional trip assistance services including emergency cash advance, lost document replacement and more. Coverage is unlimited, meaning that each of these features applies to every trip, no matter how frequent.

For an extra fee, cardholders can access balance protection as well, an insurance feature which guarantees that their balance is paid in the event of disability, job loss, loss of life or limb, and critical or terminal illness. Considering that cardholders are also exempt from the first year's annual fee (limited time offer), receive a welcome bonus of 35000 points (after spending $3000 with the card in the first 3 months), earn rewards at a lucrative 2 points per $1 on all eligible purchases, and gain VIP access to airport lounges, the BMO World Elite has set the bar very high for travel cards.

Few of these other cards can boast that they deliver $540 of value to cardholders via bonuses, but this one can. The 35000 points ($250 value), first-year annual fee waiver ($150 value), and four annual VIP lounge passes ($140 value) add up to $540 and they are easily obtainable within a short time of receiving the BMO World Elite card.
Click Here To Apply For The BMO® World Elite™Mastercard®
Read more on Best Travel Insurance Credit Cards.

Best Credit Card for Mobile Device Insurance

It's financially burdensome to eat the cost of replacing one of today's expensive phones. Fortunately, a few rare credit cards include built-in coverage for mobile devices. An excellent travel card in many regards, the Meridian Visa Infinite Travel Rewards card offers $1,000 for lost, damaged, stolen, and failing mobile devices purchased with the card. This valuable perk is great for everyday cardholders, but particularly useful for travellers, who might be wary of risking their expensive phone while on a trip abroad.

Mobile insurance also complements an already top-tier package of other insurance benefits including medical coverage, trip cancellation and interruption insurance, and coverage for baggage, rental cars and more. The Meridian Visa Infinite card's basic earnings model collects 1.5 points per $1 spent on all net purchases, and then 3 points per $1 on all net purchases made in a foreign currency-another broadly beneficial point that's relevant for travellers as well. Points can be redeemed on a bevy of options like travel (from over 100 airlines), vacations, merchandise, gift cards, and other rewards. The card costs $99 per year, but in your first year the fee is instantly rebated after being applied.
Click here to apply for the Meridian Visa Infinite* Travel Reward Card
Best Credit Card for Household Expenses

Families that spend significant amounts monthly on groceries, gas, home and garden maintenance, and other household bills will benefit immensely from the huge earn rate of 3% in Canadian Tire Money on purchases in participating grocery stores. There's also 4% back on transactions in Canadian Tire, Mark's, Sport Chek, and Atmosphere, and 5 cents back per litre in Canadian Tire Money at Gas+ locations. The advantage of earning Canadian Tire Money, as opposed to other rewards credit cards, is that you can spend it like cash at the participating stores. So, first you earn Canadian Tire Money on your groceries, then you use it to pay the bill.

On top of this saving on your household expenses, you'll pay $0 in annual fees, get contactless payments for small purchases, and 24/7 online account management. Canadian Tire Money doesn't expire as long as your account is open.

It's important to note that once you reach $12,000 in qualifying purchases, your earn rate will drop to 1%. Additionally, certain stores including Wal-Mart, Costco, and Wal-Mart Superstore aren't included as 'grocery' stores for the purposes of your 3% earn rate.
Apply for the CTFS Triangle World Elite Mastercard
Best Credit Card for No Foreign Transaction Fees
Rogers World Elite Mastercard
The Rogers World Elite Mastercard is a useful, inexpensive tool for travellers, because it gives them the ability to avoid foreign transaction fees and annual fees as well. You'll save money when spending in a foreign currency, as the World Elite card earns an impressive 4% cash back on these foreign purchases. The 2.50% foreign transaction fees are still charged, netting 1.50% cash back for the cardholder during their vacation or business trip (or online shopping splurge). When spending in Canadian dollars at home the card has a competitive flat rate of 1.75% cash back.

The card offers all its cash back and fee-avoiding capabilities for no annual fee, though one will need to meet a minimum income requirement of $80000. Cardholders can redeem cash back on Rogers products, services, and bills, but also once yearly as a lump sum statement credit. While other cards might help you escape foreign fees by exempting you from them entirely, Rogers' card might be preferable because you're also getting cash back in excess of these fees, and at a high rate on domestic spending as well.
Apply for the RogerWorld Elite Mastercard
At the moment, the Home Trust Preferred Card is one of the select few cards in the Canadian market that waives foreign transaction fees altogether. Canadians used to have the choice of Chase's Amazon and Marriott cards too, but those were recently cancelled. The Home Trust Preferred is an attractive card for anyone with a minimum personal income of $15000 and a fair_good credit score. As well as %0 foreign transaction fees, it has $0 annual fee, 1% unlimited cashback (including on purchases overseas), free roadside assistance, purchase protection, and rental car damage and collision insurance. Average APR is 19.99%.

Though the net cash back on foreign currency purchases is higher with the Home Trust Preferred card than it it is with the Rogers Platinum, the Home Trust Preferred does have some notable limitations. Home Trust currently limits cardholders to 10 transactions per day and the card is not available to Quebec residents.

In addition to the above two no annual fee cards which either waive or subsidize foreign transaction fees, we also would like to highlight a more premium travel card that waives foreign transaction fees as well.
Apply for the Home Trust Preferred card
Frequent travellers will appreciate the Scotiabank Passport Visa Infinite's complete exemption from any foreign currency transaction fees. Paying no fees on purchases saves a lot of money during a trip, but the card's benefits also extend to travel amenities. The Passport Visa Infinite grants travellers a Priority Pass to airport lounges worldwide, which gives access at around half the price that non-members pay (around $14 per person). Cardholders often end up paying nothing, given that the card also provides 6 free lounge passes each year.

Though the annual fee is $139, which is more expensive than the free Rogers Platinum Mastercard and Home Trust Preferred card, the Scotia Passport's features outperform each as well. For $139, you gain complete exemption from foreign transaction fees (not merely cash back like with Rogers), the ability to earn Scotia Rewards (2 per $1 spent on grocery, dining, and entertainment) and the VIP airport lounge status and passes. You'll also gain great insurance benefits like travel medical, trip interruption and cancellation, and rental car coverage. The icing on the cake is an introductory bonus of 25000 points for just minimum spend of $1,000 during your first 3 months as a cardholder.
Apply for the Scotiabank Passport Visa Infinite Card
Click here to learn more about Foreign Transaction Fees and how to avoid them

Best Credit Cards for People with Credit Card Debt
The True Line® Mastercard®
EXCLUSIVE OFFER TO GREEDYRATES

Eligibility Criteria:
- Credit score required: fair_good
- Min personal income required: N/A
- Annual fees: $0
- This offer is not available for residents of Quebec. For residents of Quebec, please click here

It can be difficult to justify paying an annual fee for a credit card when your main financial priorities are reducing expenses and paying off debt. Those who need shelter from high interest, but who don't want to pay an annual fee, can apply for the True Line Mastercard and get an industry-leading balance transfer promotion of 0% for 10 months (fee of 1% of the amount advanced, minimum fee of $7.5). Those interested in the special promotion should keep in mind that the deal is available only to those who apply by This offer is not available for residents of Quebec. For residents of Quebec, please click here. After the promotional period ends the balance transfer and purchase interest rates both return to 12.99% (compare to the Gold card's post-promotional rate of 8.99%). These are still very forgiving interest rates when compared with the norm.

Applicants debating between the no-fee True Line Mastercard and the $39 annual fee Gold Mastercard (see below) should assess their debt situation and repayment prospects to figure out which card will help them save more in the long run. The True Line Mastercard offers the advantage of a longer promotional 0% interest rate period and has no annual fee. The Gold version has a shorter promotional interest period and an annual fee, but it has lower post-promotional interest rates.
Apply for the True Line Mastercard here The True Line® Gold Mastercard®
Eligibility Criteria:
- Credit score required: fair_good
- Min personal income required: N/A
- Annual fees: $39
- This offer is not available for residents of Quebec. For residents of Quebec, please click here

There's no better tool for eliminating high-interest debt than a favourable balance transfer promotion. The promotion offered by MBNA is also competitive, at 0% for 6 months on balances transferred. The special promotion is only available to those who apply by This offer is not available for residents of Quebec. For residents of Quebec, please click here, and it only applies to balances transferred within the first 90 days of card membership. Though approved applicants will pay 0% in interest on balance transfers for 6 months, they will need to pay a 1% balance transfer fee (minimum fee of $7.50) for each transfer they make.

The Gold card's interest rate on purchases and balance transfers after the 6-month promotion ends should be very attractive to debt-laden individuals, as it doesn't immediately skyrocket past 20.00% (as is the case with most other balance transfer cards). Instead, these rates are bumped up to a reasonable 8.99%, allowing cardholders to feasibly carry debt from month to month without harsh penalties. For a low fee of just $39, the True Line Gold Mastercard represents an immediate relief from high interest for a wide range of applicants.
Apply for the True Line ® Gold Mastercard® here
If you're looking to pay off a large amount of debt, the standard 6-10 month low-interest promotional period offered by most balance transfer cards might not be long enough to make a serious dent in what you owe. That's why we're delighted with the RBC Visa Platinum's special offer, which provides an industry-leading 30 months (two and a half years) for low-interest balance transfers.

Although the RBC Visa Platinum's promotional balance transfer rate is 'only' 5.9%-admittedly higher than the 0%-2.99% offered by its top competitors-the sheer length of the promotional period gives the deal a very good value overall. It might be tempting to choose a card with a shorter promo period and lower interest rate, but beware of the consequences for those who are unable to pay off their balance entirely during that promo: the interest rate will likely increase to around 19.99% or more immediately after the period ends, which can just further exacerbate the cycle of debt.

Though the special balance transfer offer is the card's most notable feature, the RBC Visa Platinum has other worthwhile features. There's $0 annual fee and cardholders are eligible for roadside assistance, emergency travel assistance, and a $0.03 per litre discount at Petro-Canada.
Apply for the RBC Visa Platinum card here
You can learn more about reducing credit card debt with balance transfer cards via our Best 0% Balance Transfer Credit Card Offers in Canada page

Best Credit Card for Fixed-Rate Low Interest

Cardholders seeking a low fixed rate of interest are likely planning on carrying a balance from month to month, and don't want to incur overly-punitive charges for doing so. This is not only possible, but straightforward and easy with the American Express Essential credit card. With just 8.99% interest on both cash advances and purchases, Amex offers one of the lowest permanent interest rates in the country alongside other noteworthy features.

Aside from the absence of an annual fee, Amex includes some other peripheral perks to sweeten the deal a bit. Most of these are from Amex's standard array of benefits, such as purchase protections and travel accident insurance up to $100,000. Cardholders will also be able to call Amex and reserve tickets for almost any sporting event, restaurant, or concert via Front of the Line Advanced Access.
Apply for the American Express Essential card
Best Credit Card for No-Fee Balance Transfers

American Express® AIR MILES®* Credit Card

If you're looking for a no-fee balance transfer card, but don't want to miss out on earning valuable rewards, the American Express® AIR MILES®* Credit Card is a solid choice. If you transfer your balance to the card when you complete your credit card application, you'll be charged only 1.99% interest on the balance for the first 6 months. What's more, you won't have to pay any balance transfer fee, and there's no annual fee for the card either. That means you can consolidate and pay down your credit card debt without paying extra for the privilege. However, it's important to remember that at the end of the low-interest balance transfer period, you'll start paying a high interest rate of 22.99% on those balances you transferred. Therefore we only recommend this tactic for balances that you are confident you'll pay off within 6 months.

Aside from the excellent balance transfer offer, you'll earn 500 Miles as a Welcome Bonus with a minimum spend of $500 in Card purchases in the first 3 months. The card earns 1 Mile for every $15 in Card purchases at AIR MILES Partners, and 1 Mile per $20 in Card purchases spent everywhere else.
Click here to learn more about the American Express® AIR MILES®* Credit Card
*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 link.

Best Credit Card to Repair or Establish Credit

As one of the best credit cards for bad credit in Canada, Refresh Financial's Secured Visa offers purchasing power and the ability to improve one's credit score, no matter how deeply it has fallen. Those with bad credit, no credit, or a history of bankruptcy and consumer proposals are all eligible to sign up and receive approval. The only requirement is a security deposit, which also matches the credit limit assigned to you by Refresh.

A nice part about the Refresh Financial Secured card is that its minimum security deposit is lower than most other secured cards. At just $200, it's easy to afford, thereby lowering the barrier to entry even further. The maximum deposit is $10000. With a secured card, cardholders can rebuild or establish a good credit score faster, because their repayment behavior is reported more frequently to credit bureaus like Equifax and TransUnion.

Once your credit score is improved, be sure to pay off the card in full to receive your security deposit back.
Apply for the Refresh Financial Secured Visa
Best Credit Card If You're A Student

Getting your first credit card when you're a student should be a simple task. You want a card that offers easy approval, does not require income or proof of income and offers great rewards!

Unfortunately, not all Canadian student credit cards fit the bill. In fact, some require that you hold a part-time job and show proof of income. Not exactly friendly to the full-time student. Others require you pay an annual fee, which makes no sense.

That's why we love the BMO SPC Student Mastercard. It comes with $0 annual fee, $0 income required, and has great perks, like 10-15% discounts at hundreds of retailers across Canada through SPC.

Lastly, you can either get the cash back or Air Miles no fee student credit card. The BMO SPC Cash back card offers an introductory cash back rate of 5% on all eligible purchases for the first 3 months from account opening, and the no fee Air Miles card comes with a 800 Air Miles welcome bonus!
Apply for the BMO SPC MasterCard
Learn more about Canada's Best Student Credit Cards for 2019.

Summary of Best Credit Cards in Canada in 2019

Picking the Right Companion for Your Wallet

Identifying your spending habits and unique credit card needs is crucial to narrowing down a final choice. Compare credit cards by issuer, card feature and more and see which card applies the most to your needs. After you input your unique criteria and preferences, as well as your common purchasing patterns, the tool will curate a list of cards which are suited to you personally.

Getting the best credit card is a simple matter, regardless of which card perks you desire most. Whether you want a high cashback percentage, amazing travel rewards, accelerated credit improvement, or if you just want to nab this month's most lucrative credit card promotions in Canada, it's easier than ever to find the best options available on GreedyRates. If you need any further assistance when making an ultimate decision, feel free to contact us by email and we'll give you a helping hand.

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Best Credit Cards in Canada 2019 | Comparison & Reviews | Greedyrates.ca

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Looking for a credit card but are unsure which to choose? Compare the best credit cards in Canada in 2019 including our expert's review. We categorized the best canadian credit cards 2019 in the most popular categories so you can easily choose the best card for your financial needs.

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Website #3-American Express Rewards Canada 

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Website #3-American Express Rewards Canada 

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On this website it talks about the American Express Rewards credit card offers in Canada. This card is excellent for those who like to travel and gain points for using this card on everyday purchases.
When you sign up for this AMEX card you will receive 2,000 air miles when you spend $1,500 in the first three months. That amount of points will help towards selected flights.
What is really cool about this card is all the offers that the users of this card receive. You will automatically be entered into contests where you can see your favorite artist live in concert. With this card you will receive travel coverage, car rentals, theft & damage insurance, and accident insurance.
Another cool feature of this card is " Refer A Friend" program where you can be reward with 500-7,500 air mile reward miles.

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AIR MILES Platinum Credit Card | American Express Canada

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Credit Cards from AMEX vary in benefits. View and Compare the Credit Cards and rewards on offer to find your best fit. Apply for Credit Cards Now!

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In this image you can see two credit cards, two passports, boarding passes for flights, a phone with travel information on it, and a map with a compass.
This is Scotiabank's marketing technique to make people want to use their credit cards. The picture showcases the Scotiabank Passport Visa Infinite Card. This card is said to be one of the best / most rewarding travel cards in Canada. The main offer of this card is it eliminates foreign transaction fees. All who use this card really value how easy it is to transfer funds to foreign currency with no charge. This card also offers 2,500 points within the first 3 months of use as long as you spend $1000.
After you have accumulated several points with this card it can be used towards several options such as: travel expenses, priority passes, rental cars, travel medical insurance, and cancellation insurance.  It also offers other perks such as Ray Ban Aviator sunglasses.
All information retrieved from: https://www.greedyrates.ca/blog/best-travel-credit-card-canada/

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Video #4 - Student Racks up Travel Reward Points For Free 

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Video #4 - Student Racks up Travel Reward Points For Free 

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In this video it talks about how a 24 year law student accumulated several points from approximately 7 different credit cards. He would spend money on his cards which would reward him with 1X-5X the points, cash back, and different rewards.
He would spend money on his cards, return the products and keep the points or cash back he had just received. There was one main way he did this, he took advantage of the Canadian Mint. He would purchase the coins in bulk online and in person at the Ottawa storefront. He earned all the points and cash back on said cards, then would go to one of his local banks and deposit the coins for cash to then pay off this credit card debts.
By doing this he received so many points / cash back offers he has now traveled all over the world, having first class flights, staying in beautiful places.

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Student racks up travel rewards points for free

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Video #3 - What is the NEW AMEX COBALT CARD?

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Video #3 - What is the NEW AMEX COBALT CARD?

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This video is about the new AMEX COBALT card, introduced in Canada is September 2017. This is a credit card that allows its users to gain points when they use this card to purchase items. They offer a 10,000 welcome points when you first sign up with this card. Then you can receive up to 40,000 points gained in increments over your first year of owning/using the AMEX COBALT Card. That sounds like a great offer but how do you gain these points? Well, every month you spend more than $500 you will receive 2,500 points. You earn 5x the points on "eats & drinks" (dinning out, grocery's etc) 2x the points on travel or transit, and 1x the points on everything else.
Once you have gained all these points you can redeem them several ways. You can use them towards; streaming services, concert tickets, eats & drinks, retail points, travel, gift cards, and more!

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This video was very helpful when your main focus is trying to find a credit card option with no annual fee. The tangerine MasterCard is a huge hit for a lot of people, you can get 2% back from gas, groceries, furniture etc. American Express offers 1.25% cash back plus cool exclusive pre ticket sales so you can see your favourite concerts and shows. The best visa with no annual fee is the home trust preferred visa. comes with 1% back on purchases. Another visa they highly suggest with no-fee if you're a movie lover is the Scotiabank scene points visa. As said in the title it offers loads of scene points to put towards your movie!

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This website is an excellent tool to help people find the best rates possible that best will benefit them, weather it be they are looking for cash back as a reward when they use their credit card or points. or they are a fan of travelling and look for airplane points to help pay a portion of each flight. When you enter this website they are very straight forward and give you a couple options such as earn rewards, low interest, transfer debt and build credit.We found that this website was one of the best websites to help make the task of finding a credit card that's right for you less stressful. We mean this when we say we wish this website was around when we were younger and looking for credit cards.

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We help you find better financial products for your specific needs. Whether you need a mortgage, credit card, savings account, or insurance coverage, we get you the information you need to choose better.

How does Ratehub.ca make money?

Financial institutions pay us for connecting them with customers. This could be through advertisements, or when someone applies or is approved for a product. However, not all products we list are tied to compensation for us. Our industry leading education centres and calculators are available 24/7, free of charge, and with no obligation to purchase. To learn more, visit our About us page.
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Compare the best credit cards in Canada - Ratehub.ca

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We help you find better financial products for your specific needs. Whether you need a mortgage, credit card, savings account, or insurance coverage, we get you the information you need to choose better. How does Ratehub.ca make money? Financial institutions pay us for connecting them with customers.

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Image #2 - Canadians Carry Credit Card Debt

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Image #2 - Canadians Carry Credit Card Debt

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In this image according to BMO's 2015 credit card report 46% of Canadians carry credit card debt. 32 per cent of Canadian's don't keep track of their balance between the monthly billing cycles. We found this to be interesting because it would make sense that the Atlantic provinces would have a higher credit card debt because the climate is so cold all there is to do all day is shop online.

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 Video #1 -  Comparing Canadian Travel Credit Cards

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 Video #1 -  Comparing Canadian Travel Credit Cards

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In this video city tv compares the best credit cards for travel rewards on your purchases. There are tons of credit card companies out there but the most used by Canadians seems to be TD, RBC, BMO and Scotiabank. Each of these banks charge different annual fee's sometimes ranging from $0-$500 a year. The credit card market is a highly competitive market which is why sometimes it can be extremely overwhelming when looking for a credit card that works for you because they're are a lot of options. Companies have started creating marketing tactics such as waving their annual fee for the first year and giving out thousands of free aeroplane miles when you switch from your current credit card to theirs. According to Citytv the best card on the market right now is the RBC World Elite Westjet Card.it provides a free return ticket on any flight in Canada when you switch from your own bank to theirs. Its in your best interest to do extensive research to make sure you're getting the cheapest interest rate and if you're looking into a travel credit card the most points aeroplane points. We chose this video because we found it extremely informitive and helpful. One tip we heard that we thought was great news is that credit card companies are fighting each other to try and get us to sign up so its a consumers market right now.

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 Website #1 - 10 Insane Facts About Canadian Credit Cards 

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 Website #1 - 10 Insane Facts About Canadian Credit Cards 

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- Shockingly Canadians spend over $300,000,000,000 on their credit cards each year
-The average Canadian who has a credit card owes a balance of $8,600
-Canadians make about 3 billion transactions per year on their credit cards which crazy enough is about 5,700 per minute

We chose this article because we all found that the statistics were shocking and are a great wake up call to young people deciding to apply for credit cards. We saved the most interesting fact for last, according to this website 30% of Canadians surveyed say they don't pay their credit cards off at the end of every month which ends up being roughly  7 billion in interest payments every year.

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Advertiser Disclosure This article/post contains references to products or services from one or more of our advertisers or partners. We may receive compensation when you click on links to those products or services.

There's a lot to know about Canada's love affair with its favorite plastic. Here are just ten of the many wild facts about Canadian credit cards that will leave you speechless:

1. Canadians spend over $300,000,000,000 on their credit cards every year! More than the Chinese & Russian defense budgets combined!

2. The average Canadian who has a credit card balance owes around $8,600! That's 5 times more than the per capita GDP of India!

3. The average spend per active credit card account is $9,700. That's more than the average annual Chinese salary!

4. Canadians charge-off about $3,000,000,000 of credit card debt per year. That's the equivalent of Canadians buying, and not paying for, 9.5 million iPads.

5. Canadians carry approximately $80,000,000,000 of credit card debt in total. More than the GDP of CUBA, but not enough to buy Google.

6. Canadians make about 3 billion transactions per year on their credit cards, about 5,700 transactions per minute.

7. There are about 31,000,000 active credit card accounts in Canada (an account that has a balance or made a recent purchase). More than the number of credit worthy Canadians.

8. Canadians now spend more on their credit cards than they do on their debit cards, but still use their debit cards about 1 billion more times than their credit cards every year.

9. Each Canadian makes about 103 transactions on their credit card per year, 8.5 transactions per month, 2 transactions per week.

10. 30% of Canadians surveyed say they DON'T pay their credit card balance off at the end of every month. That's about $7 billion in interest payments per year!

* Information was compiled using data from Visa, Mastercard, Canadian Bankers Association, Equifax, TransUnion, OSFI, IMF and data publicly available through company annual reports, and disclosures.

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10 Insane Facts About Canadian Credit Cards That Will Blow Your Mind! - GreedyRates

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There's a lot to know about Canada's love affair with its favorite plastic. Here are just ten of the many wild facts about Canadian credit cards that will leave you speechless: 1. Canadians spend over $300,000,000,000 on their credit cards every year! More than the Chinese & Russian defense budgets combined!

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Today we hope to share some of the important knowledge we have all learned while taking this general elective class. We hope to help all of you with the tough decision of choosing the perfect credit card company that's going to benefit you and your lifestyle!

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A project by Courtney English, Brandon English & Andrew Apalit