Featured Cards
At Rate My Rewards we know it can be tough to figure out which credit cards are the best ones to consider. Below, we’ve carefully selected our top choices for the best reward programs and benefits in Travel, Cashback, No Fee and Low Interest credit cards you should have on your radar.
View Best Cards
Card | First year value | Annual fee | Rewards † | |
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9.99% Purchase Interest, 9.99% Cash Advance, 9.99% Balance Transfer
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$681
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$399 |
Earn up to $2,100* in value in your first 14 months, including up to 60,000* bonus Scene+ points.
Earn 2X Scene+ points for every $1 CAD spent on eligible grocery stores, restaurants, fast food, and drinking establishments. Includes popular food delivery and food subscriptions. Earn 2X Scene+ points for every $1 CAD spent on eligible gas and daily transit. Includes rideshare, buses, taxis, subway, and more. Earn 2X Scene+ point for every $1 spent on every other purchase. † Conditions Apply
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Apply Now |
Annual fee: $399
Rewards:
Earn up to $2,100* in value in your first 14 months, including up to 60,000* bonus Scene+ points. Earn 2X Scene+ points for every $1 CAD spent on eligible grocery stores, restaurants, fast food, and drinking establishments. Includes popular food delivery and food subscriptions. Earn 2X Scene+ points for every $1 CAD spent on eligible gas and daily transit. Includes rideshare, buses, taxis, subway, and more. Earn 2X Scene+ point for every $1 spent on every other purchase. † Conditions Apply
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19.99% Purchase Interest, 22.99% Cash Advance, 22.99% Balance Transfer
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$565
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$139 |
Earn up to 35,000 bonus Scene+TM* points in your first year (that’s up to $350 towards travel).
The only major bank credit card offering you no foreign transaction fees, including for shopping online or abroad Earn 2 Scene+ points on every $1 you spend on eligible grocery stores, dining, entertainment purchases, and daily transit purchases (including buses, subways, taxis and more). Earn 1 Scene+ point on every $1 you spend on all other eligible purchases. 6 Complimentary Airport Lounge Access Save on car rentals Visa Infinite* Concierge Service, Hotel Collection, Dining and Wine Country program † Conditions Apply
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Annual fee: $139
Rewards:
Earn up to 35,000 bonus Scene+TM* points in your first year (that’s up to $350 towards travel). The only major bank credit card offering you no foreign transaction fees, including for shopping online or abroad Earn 2 Scene+ points on every $1 you spend on eligible grocery stores, dining, entertainment purchases, and daily transit purchases (including buses, subways, taxis and more). Earn 1 Scene+ point on every $1 you spend on all other eligible purchases. 6 Complimentary Airport Lounge Access Save on car rentals Visa Infinite* Concierge Service, Hotel Collection, Dining and Wine Country program † Conditions Apply
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Apply Now | ||||
19.99% Purchase Interest, 22.99% Cash Advance, 22.99% Balance Transfer
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$1024
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$120 |
Earn up to 40,000 bonus Scene+™ points in your first year (that’s up to $400 towards travel)and first year annual fee waived.
You will not pay 2.5% foreign transaction fees on any foreign currency purchases, including online shopping and when travelling abroad. Only the exchange rate applies. Earn 5X Scene+ points for every $1 CAD spent on eligible grocery stores, restaurants, fast food, and drinking establishments. Includes popular food delivery and food subscriptions. Earn 3X Scene+ points for every $1 CAD spent on eligible gas and daily transit. Includes rideshare, buses, taxis, subway, and more. Earn 1X Scene+ point for every $1 spent on every other purchase. † Conditions Apply
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Apply Now |
Annual fee: $120
Rewards:
Earn up to 40,000 bonus Scene+™ points in your first year (that’s up to $400 towards travel)and first year annual fee waived. You will not pay 2.5% foreign transaction fees on any foreign currency purchases, including online shopping and when travelling abroad. Only the exchange rate applies. Earn 5X Scene+ points for every $1 CAD spent on eligible grocery stores, restaurants, fast food, and drinking establishments. Includes popular food delivery and food subscriptions. Earn 3X Scene+ points for every $1 CAD spent on eligible gas and daily transit. Includes rideshare, buses, taxis, subway, and more. Earn 1X Scene+ point for every $1 spent on every other purchase. † Conditions Apply
Best used for:
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Apply Now | ||||
20.99% Purchase Interest, 22.99% Cash Advance, 22.99% Balance Transfer
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$444
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$120 |
Earn 10% cash back on all purchases for the first 3 months (up to $2,000 in total purchases).
No annual fee in the first year, including on supplementary cards. Earn 4% for every $1 you spend on grocery store purchases, recurring bill payments, and subscription purchases. Earn 2% for every $1 you spend on gas purchases and daily transit purchases. Earn 1% cash back on all other purchases with no cash back limit. Visa Infinite Dining and Wine Country program, Hotel Collection, Concierge Service. Comprehensive Travel Insurance (Trip Interruption & Cancellation, Travel Medical) † Conditions Apply
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Annual fee: $120
Rewards:
Earn 10% cash back on all purchases for the first 3 months (up to $2,000 in total purchases). No annual fee in the first year, including on supplementary cards. Earn 4% for every $1 you spend on grocery store purchases, recurring bill payments, and subscription purchases. Earn 2% for every $1 you spend on gas purchases and daily transit purchases. Earn 1% cash back on all other purchases with no cash back limit. Visa Infinite Dining and Wine Country program, Hotel Collection, Concierge Service. Comprehensive Travel Insurance (Trip Interruption & Cancellation, Travel Medical) † Conditions Apply
Best used for:
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Apply Now | ||||
19.99% Purchase Interest, 22.99% Cash Advance, 19.99% Balance Transfer
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$484
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$0 |
Earn up to 10,000 bonus Scene+™ points in your first year (that’s up to $100 towards travel)
Earn 2X Scene+ points for every $1 CAD spent on eligible grocery stores, restaurants, fast food, and drinking establishments. Includes popular food delivery and food subscriptions. Earn 2X Scene+ points for every $1 CAD spent on eligible entertainment, including movies, theatres and ticket agencies. Earn 2X Scene+ points for every $1 CAD spent on eligible gas and daily transit. Includes rideshare, buses, taxis, subway, and more Earn 2X Scene+ points for every $1 CAD spent on eligible select streaming services. Earn 1X Scene+ point for every $1 spent on every other purchase. † Conditions Apply
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Apply Now |
Annual fee: $0
Rewards:
Earn up to 10,000 bonus Scene+™ points in your first year (that’s up to $100 towards travel) Earn 2X Scene+ points for every $1 CAD spent on eligible grocery stores, restaurants, fast food, and drinking establishments. Includes popular food delivery and food subscriptions. Earn 2X Scene+ points for every $1 CAD spent on eligible entertainment, including movies, theatres and ticket agencies. Earn 2X Scene+ points for every $1 CAD spent on eligible gas and daily transit. Includes rideshare, buses, taxis, subway, and more Earn 2X Scene+ points for every $1 CAD spent on eligible select streaming services. Earn 1X Scene+ point for every $1 spent on every other purchase. † Conditions Apply
Best used for:
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19.95% Cash Advance, 19.95% Balance Transfer
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$255
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$0 |
Get 10% back* on everyday purchases and 1.95% Balance Transfer promo for 6 months.
Mastercard® Airport Experiences Provided by LoungeKey * Boingo Wi-Fi for Mastercard®* Mastercard® Travel Rewards* On-Demand and Subscription Services* Rental Car Collision/Loss Damage Insurance* Mobile Device Insurance* † Conditions Apply
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Annual fee: $0
Rewards:
Get 10% back* on everyday purchases and 1.95% Balance Transfer promo for 6 months. Mastercard® Airport Experiences Provided by LoungeKey * Boingo Wi-Fi for Mastercard®* Mastercard® Travel Rewards* On-Demand and Subscription Services* Rental Car Collision/Loss Damage Insurance* Mobile Device Insurance* † Conditions Apply
Best used for:
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Apply Now | ||||
19.95% Purchase Interest, 19.95% Cash Advance
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$255
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$0 |
Enjoy the extra 10% back* and 1.95% Balance Transfer promo for 6 months
Exclusive Experiences and Offers Zero Liability Extended Warranty † Conditions Apply
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Annual fee: $0
Rewards:
Enjoy the extra 10% back* and 1.95% Balance Transfer promo for 6 months Exclusive Experiences and Offers Zero Liability Extended Warranty † Conditions Apply
Best used for:
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Apply Now | ||||
19.89% Purchase Interest, 21.49% Cash Advance, 19.89% Balance Transfer
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$273
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$0 |
Start with up to $25† in bonus Walmart Reward Dollars.
$15 Welcome Bonus†+ $10 Paperless statement Bonus† Earn Walmart Rewards for no annual fee. Earn 3% back pre-tax when shopping online at Walmart.ca. Earn 1.25% back pre-tax at Walmart and back on gas Earn 1% back everywhere else. † Conditions Apply
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Apply Now |
Annual fee: $0
Rewards:
Start with up to $25† in bonus Walmart Reward Dollars. $15 Welcome Bonus†+ $10 Paperless statement Bonus† Earn Walmart Rewards for no annual fee. Earn 3% back pre-tax when shopping online at Walmart.ca. Earn 1.25% back pre-tax at Walmart and back on gas Earn 1% back everywhere else. † Conditions Apply
Best used for:
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Apply Now |