Comparison
Credit cards
The right card depends on how you spend. This is a curated shortlist by need; rewards, fees and rates change, so confirm the current terms at the issuer. We'll note affiliate links where present.
The numbers, in brief: Annual fees range from $0 (no-fee cash-back and student cards) to several hundred dollars (premium travel). Purchase interest is typically ~19.99%+ unless it's a low-interest card. Figures are typical ranges as of August 2026 — confirm current terms at the issuer.
Curated shortlist · verified 2026-08-03. Rates, fees and rewards change — confirm the current terms at the provider before applying. Some links may be affiliate links; rankings are on the merits. See our disclosures.
| Product | Key numbers* | Known for | Best for | Notes |
|---|---|---|---|---|
| No-fee cash-back cards Tangerine · Rogers · Neo | $0Annual feeup to ~2–4%Cash back* | Cash back with no annual fee | Everyday spending without a fee | |
| Grocery & gas cash-back cards CIBC · Scotiabank | ~$0–120Annual fee*up to ~4–5%Groceries* | Higher cash back on groceries, gas and recurring bills | Families with big grocery spend | |
| Travel rewards cards Amex · Scotiabank · TD | ~$120–799Annual fee*travel/loungePerks | Points on travel & dining, plus travel perks | Frequent travellers who spend on dining/travel | |
| No-FX-fee cards Wealthsimple · Scotiabank Passport | 0%FX markup$0–150Annual fee* | No foreign-transaction markup on purchases abroad | Travellers and cross-border shoppers | |
| Low-interest cards MBNA · Scotiabank | ~12.99%Purchase APR*~$0–120Annual fee* | A lower ongoing interest rate for carried balances | Anyone carrying or paying down a balance | |
| Secured cards Home Trust · Neo | SecuredTyperequiredDeposit | Approval with a deposit to build or rebuild credit | New-to-credit or rebuilding | |
| Student cards BMO · CIBC | $0Annual feestudent-friendlyApproval | Easier approval and no-fee rewards for students | Students building their first credit history |
* CDIC coverage applies at member institutions within limits; provincial insurers cover credit unions. Confirm coverage and current rates with each provider. General information, not individualized advice.