As part of our great lineup of Canada’s best credit card offerings, RatemyRewards.ca is proud to offer you a full selection of VISA cards!

As the network responsible for processing credit card transactions, VISA serves as the intermediary for a wide variety of issuers, each of which offers credit cards that vary greatly in their respective reward programs.

Here’s a closer look at Canada’s best VISA credits cards and the differences between them:

Scotia Momentum® No-Fee Visa Card

The Scotia Momentum® No-Fee Visa Card is a no-fee credit card that offers cash back on everyday spending with no annual fee.

As well, this credit card offers a limited-time offer  in which users can earn 5% cash back on all purchases for the first 3 months (up to $2,000 in total purchases). As well, new users can take advantage of a special 1.99% introductory interest rate on balance transfers for the first 6 months (22.99% afterwards).

Users can earn cash back on this card at this rate:

  • 1% cash back on eligible gas station, grocery store and drugstore purchases and recurring bill payments
  • 5% cash back on all other eligible everyday purchases

Scotia Momentum® Visa Card

The Scotia Momentum® Visa Card offers many advantages as a cash back credit card with a low annual fee.

This card features an introductory offer where new users can earn 7.5% cash back on all purchases for the first 3 months (up to $2000). Additionally, users can get a 2.99% introductory interest rate on balance transfers for the first 6 months (22.99% afterwards).

Earn cash back on this card at the following rates:

  • 2% cash back on eligible gas station, grocery store and drugstore purchases and recurring bill payments
  • 1% cash back on all other eligible everyday purchases

Scotiabank Passport™ Visa Infinite* Card

The Scotiabank Passport™ Visa Infinite Card is a travel rewards credit card that offers many strong perks.

This card features a limited-time promotion  where users can:

  • Earn up to 40,000 Scotia Rewards points during the first year (worth $400)
  • Earn 30,000 bonus Scotia Rewards points for spending $1,000 in everyday eligible purchases during the first 3 months
  • Earn 10,000 bonus Scotia Rewards points for spending at least $40,000 in everyday eligible purchases annually
  • No annual fee for the first year
  • Earn 5x Scotia Rewards points on Travel during the first 3 months (up to $2,500 spend)

Regular features of this credit card allow users to:

  • Redeem Scotia Rewards points towards statement credits, travel, the latest in tech, gift cards and more
  • Enjoy no Foreign Exchange Mark-up
  • Enjoy Complimentary Airport Lounge Access, plus 6 free lounge visits per year

Users gain reward points for this card at these rates:

  • Earn 2x Scotia Rewards® 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 Scotia Rewards point on every $1 you spend on all other eligible purchases

CIBC Dividend Platinum® Visa Card

The CIBC Dividend Platinum® Visa Card is a cash back credit with a variety of benefits.

This credit card offers a welcome offer where new users receive a first-year annual fee rebate for themselves and up to 3 authorized users.

Great regular features include:

  • Purchase Security & Extended Protection Insurance
  • Car Rental Collision/Loss Damage Insurance
  • $500,000 Common Carrier Accident Insurance

Earn cash back at these rates:

  • 25% cash back for every $1 spent on a CIBC Global Money Transfer
  • 3% on eligible gas and grocery purchases
  • 2% on eligible transportation, dining and recurring payments
  • 1% cash back on all other eligible everyday purchases

CIBC Aventura® Visa Infinite Card

The CIBC Aventura® Visa Infinite Card is a travel rewards credit card with a difference, offering many great perks!

This card has an extensive welcome offer that allows you to:

  • Earn up to 35,000 Aventura Points (up to $800 in travel value)
  • Get a first-year annual fee rebate for you and up to 3 Authorized Users
  • Get 20,000 Aventura Points when you make your first purchase
  • Earn an additional 1,250 Aventura Points each monthly statement period during your first year in which you spend at least $1,000 (maximum 15,000 points)

Regular holders of this credit card will be able to:

  • Access to 1,300+ airport lounges (worth $200+)
  • Enjoy a Priority Pass Membership and 4 complimentary airport lounge visits per year
  • Get a NEXUS application fee rebate (worth $50)

Earn points at these rates:

  • 2 points for every $1 spent on travel purchased through the CIBC Rewards Centre
  • 5 points for every $1 spent at gas stations, grocery stores and drug stores
  • 1 point for every $1 spent on all other purchases

TD Cash Back Visa Infinite Card

The TD Cash Back Visa Infinite Card is a cash back credit card with rewards that make it hard to turn down.

This card’s limited-time promotion  allows new users to:

  • Earn 6% Cash Back on all Purchases for the first 3 months up to a total spend of $2,000
  • Plus, first year no Annual Fee for the Primary and Additional Cardholders

Great regular features of this card include:

  • Emergency Road Services with the Deluxe TD Auto Club Membership
  • Travel with confidence with Travel Medical Insurance
  • Complimentary Visa Infinite® Concierge service available 24/7

You can redeem your Cash Back Dollars to help pay down your Account balance whenever you please (minimum amount of $25) at these rates:

  • Earn 3% in Cash Back Dollars on eligible grocery Purchases and gas Purchases, and on regularly recurring bill payments set up on your Account
  • Earn 1% in Cash Back Dollars on all other Purchases made with your Card

With this card, your Cash Back Dollars never expire as long as your account is open and in good standing.

TD First Class Travel® Visa Infinite Card

The TD First Class Travel® Visa Infinite Card is a travel rewards credit card that can help you achieve the vacation trip of your dreams! With this card, you can redeem TD Points for travel and travel-related purchases, or use them for retail merchandise, gift cards, or for a cash credit to your Account.

By becoming a first-time user on this credit card, you can take part in a limited-time offer :

  • New users can earn up to 100,000 TD Points in addition to getting a first-year no Annual Fee for the Primary and Additional Cardholders (worth up to $670)
  • The Welcome Bonus of 20,000 TD Points is provided when you make your first Purchase with your Card. In addition to that, users can earn 80,000 TD Points when $1,000 is spent within 90 days of the account opening.
  • To receive the first-year annual fee rebate, new users must activate the card and make the first Purchase on the Account within the first 3 months after Account opening

TD® Aeroplan® Visa Infinite Card

The TD® Aeroplan® Visa Infinite Card is a travel card that offers many benefits in a single package!

It features this great limited-time offer :

  • Earn a welcome bonus of 10,000 Aeroplan points when you make your first purchase with your new card (worth $200).
  • Earn an additional 15,000 Aeroplan points when you spend $1,000 within 90 days of Account opening (worth $300).
  • Get an annual fee rebate for the first year (worth $214, assuming you add an Additional Cardholder to your account in the first year).
  • To receive the first-year annual fee rebate, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening and you must add your Additional Cardholders by December 6, 2021.

As a new Cardholder, you could earn a bonus Buddy Pass that can score you a second ticket when you book an economy ticket to bring anyone along anywhere Air Canada flies in North America, Including Hawaii and Mexico. On the second ticket, you only pay the taxes and third-party charges. You’ll receive the one-time use pass when you spend $1,000 within 90 days of Account opening, and you have a whole year to use it (a value of $350).

And there’s still more great perks:

  • Enroll for NEXUS and once every 48 months get an application fee rebate (a value of up to $125, assumes both the Primary Cardholder and Additional Cardholder use the NEXUS Benefit).
  • Share free first checked bags (a value of $120 for 2 travellers for each round-trip flight, assuming you take one round-trip Air Canada flight in the first year).

 

Want to know more? Read our blog to find out Canada’s best credit card reward programs for travel, or which credit cards are best for Canadian students!

†Conditions Apply

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