Best Canadian Credit Cards

In the interest of full disclosure, OMAAT earns a referral bonus for anyone that’s approved through some of the below links. These are the best publicly available offers that we have found for each card. Opinions expressed here are the author's alone, not those of the bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities. Please check out my advertiser policy for further details about our partners, and thanks for your support!
Earn up to $300 in bonus reward points

Scotiabank®* Gold American Express® card

Foreign Transaction Fee: 0%
Annual Fee: $120 CAD
See Terms*
on Scotiabank's secure site
Why we like this card

Current Offer
• Earn up to $300 in bonus reward points ◊
• 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 August 1, 2019. Subject to change.

on Scotiabank's secure site
Earn 50,000 Bonus Points

The Platinum Card®

Foreign Transaction Fee: 2.5%
Annual Fee: $699 CAD
Conditions apply
on American Express' secure site
Why we like this card

This is a great card to have if you're looking to earn Membership Rewards points while having lounge access when traveling. The benefits of the Platinum Card are fantastic so as long as you take advantage of the benefits that this card features, it's a card we highly recommend.

Current Offer
Earn 50,000 Bonus Membership Rewards® points by spending $3,000 in purchases in the first three months of Cardmembership

Card Details
• Unlock special experiences with the newly designed metal Platinum Card
• New Platinum Card® Cardmembers, earn 50,000 Bonus Membership Rewards® points by spending $3,000 in purchases in the first three months of Cardmembership
• Earn 3 points for every $1 in Card purchases on eligible dining in Canada, 2 points for every $1 in Card purchases on eligible travel, and 1 point for every $1 in all other Card purchases
• You will have access to a $200 CAD Annual Travel Credit to use towards any single travel booking of $200 or more charged to your Platinum Card and made on www.americanexpress.ca/travel or through Platinum Card® Travel Service
• Take full advantage of the American Express Global Lounge Collection which unlocks access to over 1200 airport lounges worldwide. This includes The Centurion® Lounge network, Plaza Premium Lounges, and hundreds of other domestic and international lounges designed to enhance your travel experience
• Enjoy complimentary benefits that offer an average value of $550 USD at over 1,000 extraordinary properties worldwide when you book Fine Hotels & Resorts.
• Platinum Cardmembers can enjoy access to special events and unique opportunities
• Enjoy premium benefits at the Toronto Pearson Airport including security bypass, complimentary valet car service and discount car care and parking
• You will also have access to many leading hotel and car rental companies’ loyalty programs. Our partners include Marriott International, Hilton Hotels and Resorts®, Radisson Hotel Group Shangri-La Hotels and Resorts and Hertz® and Avis®
• As a Charge Card, the balance must always be paid in full each month. 30% annual interest rate applies to balances not paid in full. Payments must be received and processed by the date of the next monthly statement to avoid interest charges
• 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 now link. Conditions apply

on American Express' secure site
Earn Up To 30,000 Bonus Points

American Express Cobalt™ Card

Foreign Transaction Fee: See cardmember agreement
Annual Fee: $120 CAD
Conditions apply
on American Express' secure site
Why we like this card

This is a great card to have if you spend a lot at restaurants, bars, grocery stores, and food deliveries in Canada. Even though these aren't your traditional Membership Rewards points which you can transfer to partner airline and hotel programs, this is a great way of redeeming your points for short-distance flights and earning Rewards points.

Card Details
• In your first year as a new Cobalt Cardmember, you can earn 2,500 Membership Rewards® points for each monthly billing period in which you spend $500 in net purchases on your Card. This could add up to 30,000 points in a year
• 30,000 points is enough for:
• An eligible short-haul flight using the Fixed Points Travel Program, or
• $300 in statement credits redeemed towards travel purchases charged to your Card or
• $300 worth of tickets on Ticketmaster.ca
• Earn 5 points for every $1 spent on Card purchases at eligible restaurants, bars, grocery stores and food delivery in Canada
• Earn 2 points for every $1 spent on eligible transit & gas purchases in Canada and eligible travel purchases. That's 2X the points on purchases that get you from point A to B
• Earn 1 point for every $1 in Card purchases everywhere else. We won't tell you where to spend, we'll just reward you on your Card purchases
• Cobalt Cardmembers receive regular Perks such as bonus reward offers and access to great events
• Get advance access to tickets to some of the hottest concerts, shows and events through Front Of The Line® by American Express Invites® and advance screenings to blockbuster movies
• American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details, current product information and Terms and Conditions, click the Apply now link. Conditions Apply

on American Express' secure site
50,000 Marriott Bonvoy™ points

The Marriott Bonvoy™ American Express® Card (Canada)

Foreign Transaction Fee: 2.5%
Annual Fee: $120 CAD
Conditions apply
on American Express' secure site
Why we like this card

Marriott points are very valuable as they can be used for hotels and/or airline transfers. This is a great way of earning miles with programs that you otherwise wouldn't be able to earn via credit card spend, such as Japan Airlines.

Current Offer
• New Marriott Bonvoy™* American Express® Cardmembers earn 50,000 Marriott Bonvoy™ points enough for 3 free nights at a Category 2 hotel after you charge $1,500 in purchases to your Card in your first three months of Cardmembership.*Offer subject to change at any time
• Earn 5 points for every dollar in eligible Card purchases at participating Marriott Bonvoy™* properties
• Earn 2 points for every $1 in all other Card purchases
• Receive an Annual Free Night Award for up to 35,000 points at eligible hotels and resorts worldwide every year after your first anniversary
• No annual fee on Additional Cards
• Redeem points for free nights with no blackout dates at over 7,000 of the world’s most desired hotels
• Automatic Marriott Bonvoy Silver Elite status membership
• Receive 15 Elite Night Credits each calendar year with your Marriott Bonvoy™American Express® Card. These can be used towards attaining the next level of Elite status in the Marriott Bonvoy program
• Enjoy an automatic upgrade to Marriott Bonvoy Gold Elite status when you reach $30,000 in purchases on the Card each year
• 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 now link. Conditions apply

on American Express' secure site
50,000 Marriott Bonvoy™ points

Marriott Bonvoy™ Business American Express® Card (Canada)

Foreign Transaction Fee: 2.5%
Annual Fee: $150 CAD
Conditions apply
on American Express' secure site
Why we like this card

Marriott points are very valuable as they can be used for hotels and/or airline transfers. This is a great way of earning miles with programs that you otherwise wouldn't be able to earn via credit card spend, such as Japan Airlines.

Current Offer
• Earn 50,000 Welcome Bonus Marriott Bonvoy™ points after you charge $1,500 in purchases to your Card in your first three months of Cardmembership. Offer subject to change at any time.
• Receive an Annual Free Night Award automatically each year after your anniversary
• Enjoy an automatic upgrade to Marriott Bonvoy Gold Elite status when you reach $30,000 in purchases on your Card each year
• Receive 15 Elite Night Credits each calendar year with your Marriott Bonvoy Business American Express Card. These can be used towards attaining the next level of Elite status in the Marriott Bonvoy program.
• You can earn 3 points for every $1 in Card purchases on eligible gas, dining and travel
• Earn 5 points for every $1 in Card purchases at participating Marriott Bonvoy properties. Earn 2 points for every $1 in purchases charged to the Card everywhere else
• Make the most of a suite of business management tools that give you more control over your business anytime and anywhere
• Redeem points for free nights with no blackout dates at over 7,000 of some of the world's most extraordinary hotels and resorts around the globe. Use your points for flights on some of the world's leading airlines
• 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 now link. Conditions apply

on American Express' secure site
4% Money-Back Rewards in up to 3 Categories for 3 Months.*

Tangerine Money-Back Credit Card

Foreign Transaction Fee: 2.5%
Annual Fee: $0 CAD
Why we like this card

Current Offer
Apply for the Tangerine Money-Back Credit Card by October 31, 2019 and earn 4% Money-Back Rewards in up to 3 chosen categories* for your first 3 months, instead of the usual 2%

Card Details
Earn 2% Money-Back Rewards on your everyday purchases in two 2% Money-Back Categories of your choice, and 0.50% Money-Back Rewards on all your other everyday purchases.

Earn 40,000 Bonus Points

Business Platinum Card® from American Express

Foreign Transaction Fee: 2.5%
Annual Fee: $499 CAD
Conditions apply
on American Express' secure site
Why we like this card

This is a great card to have if you're looking to earn Membership Rewards points through business expenses while having lounge access when traveling. The benefits of the Platinum Card are fantastic so as long as you take advantage of the benefits that this card features, it's a card we highly recommend.

Current Offer
Earn 40,000 points when you charge $5,000 in purchases to your Card in your first three months of Cardmembership

Card Details
• Earn a Welcome Bonus of 40,000 points when you charge $5,000 in purchases to your Card in your first three months of Cardmembership
• You can maximize your cash flow with up to 55 interest free days. Use the Card throughout the month for all of your everyday business expenses, and earn reward points while you're at it
• Earn 1.25 Membership Rewards points for virtually every $1 in purchases and get the most out of your business expenses
• Take full advantage of the American Express Global Lounge Collection which unlocks access to over 1200 airport lounges worldwide. This includes The Centurion® Lounge network, Plaza Premium Lounges, and hundreds of other domestic and international lounges designed to enhance your travel experience
• Enjoy financial flexibility with no pre-set spending limit on purchases. With this Card, your purchasing power adjusts dynamically with your Card usage, and can grow over time, as long as you make your payments on time and maintain a good credit history
• Platinum Cardmembers can enjoy access to specialty services, preferential treatment and a dedicated Concierge team
• As a Charge Card, the balance must always be paid in full each month. 30% annual interest rate applies to balances not paid in full. Payments must be received and processed by the date of the next monthly statement to avoid interest charges
• 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 now link. Conditions apply

on American Express' secure site
Earn 2.5% cashback in your first 3 months (up to $150 cashback)

SimplyCash™ from American Express

Foreign Transaction Fee: 2.5%
Annual Fee: $0
Conditions apply
on American Express' secure site
Why we like this card

This is a great card to apply for if you're looking for a no annual fee card that earns cash back. The 1.25% earning rate after the initial welcome bonus is quite good since it applies for all transactions, regardless of the category.

Card Details
• New SimplyCash™ Card from American Express Cardmembers can earn 2.5% cash back on purchases (up to $150 cash back) for the first 3 months of Cardmembership
• Earn 1.25% cash back on purchases when your Welcome Rate ends
• No limit to the amount of cash back you can earn after your Welcome Rate ends
• Optional Balance Transfer Offer – Enjoy a 1.99% interest in first 6 months of Cardmembership if you choose to transfer your other credit card balances to this American Express card
• Balance Transfer option is only available at time of online application. There is no balance transfer fee at time of application
• Access to memorable experiences with American Express Invites®
• Insurance coverage and 24/7 Customer Service
• 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 now link. Conditions apply

on American Express' secure site
Earn 5% cashback in your first 6 months (up to $300)

SimplyCash™ Preferred Card from American Express

Foreign Transaction Fee: 2.5%
Annual Fee: $99 CAD
Conditions apply
on American Express' secure site
Why we like this card

This is a great card to have if you're looking for a card that earns 2% cash back on all purchases without any cap.

Card Details
• New SimplyCash™ Preferred Card from American Express Cardmembers can earn 5% cash back on all eligible purchases (up to $300 cash back) for the first 6 months of Cardmembership
• Earn 2.0% cash back when your Welcome Rate ends
• Optional Balance Transfer Offer – Enjoy a 1.99% interest in first 6 months of Cardmembership if you choose to transfer your other credit card balances to this American Express card
• Balance Transfer option is only available at time of online application. There is no balance transfer fee at time of application
• No limit to the amount of cash back you can earn after your Welcome Rate ends
• Access to memorable experiences with American Express Invites®
• Extensive insurance coverage and 24/7 Customer Service
• 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 now link. Conditions apply

on American Express' secure site
Earn 25,000 Bonus Points

American Express® Gold Rewards Card

Foreign Transaction Fee: 2.5%
Annual Fee: $150 CAD
Conditions apply
on American Express' secure site
Why we like this card

This is a great card to have if you're trying to earn Membership Rewards points and have a lot of spend on the 2X categories, such as travel purchases and gas stations.

Current Offer
Earn 25,000 Membership Rewards® points when you charge $1,500 in purchases to your Card in your first 3 months of Cardmembership

Card Details
• New American Express® Gold Rewards Cardmembers can earn a Welcome Bonus of 25,000 Membership Rewards® points when you charge $1,500 in purchases to your Card in your first 3 months of Cardmembership
• That's enough to redeem for a round-trip Fixed Mileage Flight Reward™ to almost anywhere in North America
• Earn 2 points for every $1 in Card purchases at eligible gas stations, grocery stores and drugstores in Canada
• Earn 2 points for every $1 in Card purchases for eligible travel purchases, including flights, hotels, car rentals, cruises, and more
• Earn 1 point for every $1 in Card purchases everywhere else
• Charge any eligible purchase to your Card then log in to redeem your points for a statement credit
• Book flights within Canada or to destinations around the world for a fixed amount of points, with the Fixed Points Travel Program. You can book any airline, fly any day, and even book right up to a day before departure • 1 Free Additional Gold Rewards Card (a $50 value) to help you earn points faster
• As a Charge Card, the balance must always be paid in full each month. 30% annual interest rate applies to balances not paid in full. Payments must be received and processed by the date of the next monthly statement to avoid interest charges
• 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 now link. Conditions apply

on American Express' secure site
Earn 30,000 Bonus Points

American Express® Business Gold Rewards Card

Foreign Transaction Fee: 2.5%
Annual Fee: $250 CAD
Conditions apply
on American Express' secure site
Why we like this card

This is a great card to have if you're trying to earn Membership Rewards points and have a lot of annual business spend with up to three of the suppliers that are listed for the 2X earnings.

Current Offer
Earn 30,000 points when you charge $5,000 in purchases to your Card in your first three months of Cardmembership

Card Details
• Earn a Welcome Bonus of 30,000 points when you charge $5,000 in purchases to your Card in your first three months of Cardmembership
• You can maximize your cash flow with up to 55 interest free days. Use the Card throughout the month for all of your everyday business expenses, and earn reward points while you're at it
• Earn 1 point for every dollar in purchases charged to the Card. Plus, there is an easy, convenient way to get more out of your Membership Rewards® points - simply charge an eligible purchase to your card. Then you can redeem points for a statement credit
• Take advantage of purchasing power that grows with your business. With this Card, your purchasing power adjusts dynamically with your Card usage, and can grow over time, as long as you make your payments on time and maintain a good credit history
• Make the most of a suite of business management tools that give you more control over your business - anytime and anywhere
• As a Charge Card, the balance must always be paid in full each month. 30% annual interest rate applies to balances not paid in full. Payments must be received and processed by the date of the next monthly statement to avoid interest charges
• 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 now link. Conditions apply

on American Express' secure site
5,000 Bonus Aeroplan®* Miles

American Express® AeroplanPlus®* Card

Foreign Transaction Fee: 2.5%
Annual Fee: $60 CAD
Conditions apply
on American Express' secure site
Why we like this card

Current Offer
• New American Express® AeroplanPlus®* Cardmembers earn 5,000 Bonus Aeroplan®* Miles after spending $500 in purchases in the first three months of Cardmembership
• Earn 1 Aeroplan Mile for every $1 in Card purchases
• Earn Aeroplan Miles twice when you use your American Express® AeroplanPlus®* Card and provide your Aeroplan Number at over 170 Aeroplan Partner brands
• Travel to over 1,300 destinations in over 190 countries worldwide on flights operated by Air Canada®** and its global network of partner airlines
• $250,000 Travel Accident Insurance
• American Express Invites®including Front Of The Line opens the door to great music, theatre, dining, film, fashion and shopping experiences
• As a Charge Card, the balance must always be paid in full each month. 30% annual interest rate applies to balances not paid in full. Payments must be received and processed by the date of the next monthly statement to avoid finance charges
• 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 now link. Conditions apply

on American Express' secure site
Earn 25,000 Bonus Miles

TD® Aeroplan® Visa Infinite Privilege Card

Foreign Transaction Fee: 2.5%
Annual Fee: $399 CAD
Why we like this card

This is a great card to have if you're looking to earn Aeroplan miles and have a lot of spend at grocery stores, gas stations, drugstores, and at aircanada.com. The 50% companion certificate can be useful as well if you travel with someone else within Canada as paid tickets can be quite expensive.

Current Offer
Earn 25,000 Aeroplan miles upon account opening

Card Details
Earn 1.5 Aeroplan miles for every $1 you spend on eligible grocery, gas, drugstore, and aircanada.com purchases. Earn 1.25 Aeroplan miles for every $1 you spend on all other purchases. Complimentary first checked bag, priority check-in and boarding when flying on flights operated by Air Canada. Four annual one-time guest access to Air Canada's Maple Leaf Lounge (when traveling on an Aeroplan Flight Reward). One 50% discount on a companion ticket on an Air Canada flight. Priority Pass membership for six annual complimentary airport lounge visits. Visa Infinite Privilege Airport Benefits which includes VIP Fast Track Lanes for security, dedicated airport taxi and limo lines, dedicated premium parking spots, and 20% discounts on parking at select Canadian airports.

Earn 15,000 Bonus Miles

TD Aeroplan Visa Infinite

Foreign Transaction Fee: 2.5%
Annual Fee: $120 CAD
Why we like this card

This is a great card if you want to earn 1.5 Aeroplan miles on the eligible bonus categories but don't need the 50% companion certificate, Priority Pass passes, and/or Visa Infinite Privilege Airport Benefits that are offered on the TD® Aeroplan® Visa Infinite Privilege* Card.

Current Offer
Earn 15,000 Aeroplan miles upon account opening

Card Details
Earn 1.5 Aeroplan miles for every $1 you spend on eligible grocery, gas, drugstore, and at aircanada.com. Complimentary first checked bag, priority check-in and boarding when flying on flights operated by Air Canada via an Aeroplan Flight Reward. One annual one-time guest access benefit to an Air Canada Maple Leaf Lounge when traveling on an Aeroplan Flight Reward.

Earn 15,000 Bonus Miles

American Express® AeroplanPlus®* Gold Card

Foreign Transaction Fee: 2.5%
Annual Fee: $120 CAD
Conditions apply
on American Express' secure site
Why we like this card

This is a great card to have if you want to earn Aeroplan miles but don't have much spend on the bonus categories that apply for the TD Bank-issued Aeroplan cards, such as grocery stores, drugstores, and purchases made at aircanada.com. This card is also a charge card if you have a lot of high dollar amount transactions and need the flexibility of a charge card.

Current Offer
• New American Express® AeroplanPlus®* Gold Cardmembers, earn 15,000 bonus Aeroplan®* Miles after you spend $1,500 in your first 3 months of Cardmembership
• Earn 1 Aeroplan Mile for every $1 in Card purchases up to $10,000
• Accelerate your earn rate to 1.25 Aeroplan Miles for every additional $1 in Card purchases over $10,000 annually
• Earn Aeroplan Miles faster with two free Additional Cards – a $100 value ($50 for each additional Card)
• Travel to more than 1,300 destinations in more than 190 countries worldwide with Air Canada®** and its global network of partner airlines
• In addition to flights, you can also redeem for hotel stays, car rentals, vacation packages, experiential rewards, merchandise and more
• As a Charge Card, the balance must always be paid in full each month. 30% annual interest rate applies to balances not paid in full. Payments must be received and processed by the date of the next monthly statement to avoid finance charges
• 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 now link. Conditions apply

on American Express' secure site
Earn 40,000 Bonus Miles

American Express® AeroplanPlus®* Platinum Card

Foreign Transaction Fee: 2.5%
Annual Fee: $499 CAD
Conditions apply
on American Express' secure site
Why we like this card

This is a great card to have if you want to earn Aeroplan miles but don't have much spend on the bonus categories that apply for the TD Bank-issued Aeroplan cards, such as grocery stores, drugstores, and purchases made at aircanada.com. If you value having Maple Leaf Lounge access when traveling on Air Canada, the annual Partner Ticket benefit, and can take advantage of the increased 1.5X earning rate then this is the card for you!

Current Offer
• New American Express® AeroplanPlus®* Platinum Cardmembers earn 40,000 Bonus Aeroplan®* Miles after spending $3,000 in the first three months of Card membership
• Earn 1.25 miles for every dollar in purchases you charge to the Card, up to $25,000 and accelerate your earn rate to 1.5 miles for every dollar in purchases over $25,000 annually
• Indulge before your flight with unlimited access to the Air Canada Maple Leaf Lounge™** where available, in airports worldwide
• Relax before you fly with access to over 1,200 state-of-the-art lounges worldwide with a complimentary Priority Pass membership
• Breeze through airport lines with Air Canada Priority Check-in benefit and avoid the line-ups at security by accessing the Pearson Priority Security Lane located at the departure levels of Terminal 1 & 3 at Toronto Pearson International Airport
• Enjoy an annual Partner Ticket™ benefit for a short-haulØ roundtrip Fixed Mileage Flight Reward®* in economy class when you redeem up to 15,000 Aeroplan Miles
• As a Charge Card, the balance must always be paid in full each month. 30% annual interest rate applies to balances not paid in full. Payments must be received and processed by the date of the next monthly statement to avoid finance charges
• 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 now link. Conditions apply

on American Express' secure site
Earn 50,000 Bonus Miles

American Express® AeroplanPlus®* Reserve Card

Foreign Transaction Fee: 2.5%
Annual Fee: $899 CAD
Conditions apply
on American Express' secure site
Why we like this card

This is a great card to have if you travel enough to take advantage of the unlimited Air Canada Maple Leaf and Priority Pass lounge access. Having the annual Partner Ticket on short-haul and long-haul Aeroplan awards is a nice benefit as well.

Current Offer
• New American Express® AeroplanPlus®* Reserve Cardmembers earn 50,000 Welcome Bonus Aeroplan®* Miles after you spend $3,000 in your first three months of Cardmembership
• Earn 1.25 miles for every $1 in Card purchases and accelerate your earn rate to 2 Aeroplan miles for every $1 of eligible Air Canada purchases
• Access to one annual $200 Annual Travel Credit
• Indulge before your flight with unlimited access to the Air Canada Maple Leaf Lounge™** where available, in airports worldwide
• Relax before you fly with access to over 1,200 state-of-the-art lounges worldwide with a complimentary Priority Pass membership
• Enjoy an annual Partner Ticket™ benefit for a short-haul or long-haul flight reward when you redeem up to 25,000 Aeroplan Miles
• Experience the benefit of an eligible complimentary first checked bag on flights operated by Air Canada, up to 5 bags annually breeze through airport lines with the Air Canada Priority Check-in benefit
• Benefit from access to the Aeroplan Priority Line. With priority access to Aeroplan Contact Centre, you’ll have the ability to book travel, change flights and add a Partner Ticket to your next trip
• 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 now link. Conditions apply

on American Express' secure site
Earn 5% in GM Earnings on the first $10,000 spent annually, and 2% thereafter

Scotiabank® GM®* Visa Infinite* card

Foreign Transaction Fee: 2.5%
Annual Fee: $79 CAD Waived for the first year*
See Terms*
on Scotiabank's secure site
Why we like this card

Current Offer
• 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 February 1, 2018. Subject to change.

on Scotiabank's secure site
Earn 30,000 bonus Scotia Rewards points upon first purchase

Scotiabank®* Platinum American Express® card

Foreign Transaction Fee: 2.5%
Annual Fee: $399 CAD
See Terms*
on Scotiabank's secure site
Why we like this card

Current Offer
• 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 February 1, 2018. Subject to change.

on Scotiabank's secure site
Earn 5% in GM Earnings on the first $5,000 spent annually, and 2% thereafter

Scotiabank® GM®* Visa* card

Foreign Transaction Fee: 2.5%
Annual Fee: $0
See Terms*
on Scotiabank's secure site
Why we like this card

Current Offer
• 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 February 1, 2018. Subject to change.

on Scotiabank's secure site
Earn 5,000 bonus Scotia Rewards points with your first $500 in everyday purchases in first 3 months

Scotiabank®* American Express® card

Foreign Transaction Fee: 2.5%
Annual Fee: $0
See Terms*
on Scotiabank's secure site
Why we like this card

Current Offer
• 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 February 1, 2018. Subject to change.

on Scotiabank's secure site
4% on eligible recurring bill payments and grocery store purchases

Scotia Momentum® Visa Infinite* card

Foreign Transaction Fee: 2.5%
Annual Fee: $120 CAD
See Terms*
on Scotiabank's secure site
Why we like this card

Current Offer
• First year annual fee waived
• 4% on eligible recurring bill payments and grocery store purchases
• 2% on eligible gas station and daily transit purchases
• 1% cash back on all other eligible everyday purchases
• Complimentary Concierge Services 24/7
• Visa Infinite Dining Series
• Visa Infinite Music Series
• Wine Country Wonders
• Luxury Hotel Privileges
• Comprehensive Travel Insurance & New Mobile Device Insurance coverage
• Rates, fees and other information are effective as of August 1, 2019. Subject to change.

on Scotiabank's secure site
Cash back with low annual fee

Scotia Momentum® Visa* card

Foreign Transaction Fee: 2.5%
Annual Fee: $39 CAD
See Terms*
on Scotiabank's secure site
Why we like this card

Current Offer
• 2.99% introductory interest rate on balance transfers for the first 6 months (22.99% after that; annual fee $39)◊
• Cash back with low annual fee
• 2% on eligible gas station, grocery store and drug store purchases and recurring bill payments
• 1% cash back on all other eligible everyday purchases
• Rates, fees and other information are effective as of February 1, 2018. Subject to change.

on Scotiabank's secure site
Cash back on everyday spending with no annual fee

Scotia Momentum® No-Fee Visa* card

Foreign Transaction Fee: 2.5%
Annual Fee: $0
See Terms*
on Scotiabank's secure site
Why we like this card

Current Offer
• 7.99% introductory interest rate on purchases for the first 6 months◊
• Cash back on everyday spending with no annual fee
• 1% cash back on eligible gas station, grocery store and drug store purchases and recurring bill payments
• 0.5% cash back on all other eligible everyday purchases
• Rates, fees and other information are effective as of February 1, 2018. Subject to change.

on Scotiabank's secure site
Earn 2,500 bonus SCENE points with your first $500 in everyday purchases in first 3 months

SCENE® Visa* card

Foreign Transaction Fee: 2.5%
Annual Fee: $0
See Terms*
on Scotiabank's secure site
Why we like this card

Current Offer
• 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 March 1, 2018. Subject to change.

on Scotiabank's secure site
Earn 5,000 bonus Scotia Rewards points upon your first purchase

ScotiaGold Passport® Visa* card

Foreign Transaction Fee: 2.5%
Annual Fee: $110 CAD
See Terms*
on Scotiabank's secure site
Why we like this card

Current Offer
• 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 February 1, 2018. Subject to change.

on Scotiabank's secure site
Save up to hundreds of dollars a year on interest

No-Fee Scotiabank Value® Visa* card

Foreign Transaction Fee: 2.5%
Annual Fee: $0
See Terms*
on Scotiabank's secure site
Why we like this card

Current Offer
• 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 February 1, 2018. Subject to change.

on Scotiabank's secure site
Low interest rate

Scotiabank® Value VISA card

Foreign Transaction Fee: 2.5%
Annual Fee: $29 CAD
See Terms*
on Scotiabank's secure site
Why we like this card

Card Details
• 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 February 1, 2018. Subject to change.

on Scotiabank's secure site
Cash back on all eligible gas station, grocery store, drug store purchases and recurring payments

Scotia Momentum® Mastercard®* Credit Card

Foreign Transaction Fee: 2.5%
Annual Fee: $0
See Terms*
on Scotiabank's secure site
Why we like this card

Card Details
• 7.99% introductory interest rate on purchases for the first 6 months (19.99% after that)◊
• Cash back on everyday spending with no annual fee
• 1% cash back on eligible gas station, grocery store and drug store purchases and recurring bill payments
• 0.5% cash back on all other eligible everyday purchases
• Rates, fees and other information are effective as of February 1, 2018. Subject to change.

on Scotiabank's secure site
Earn up to 35,000 bonus Scotia Rewards points in your first year

Scotiabank Passport™ Visa Infinite* Card

Foreign Transaction Fee: 0.0%
Annual Fee: $139 CAD
See Terms*
on Scotiabank's secure site
Why we like this card

Card Details
• Earn up to 35,000 bonus Scotia Rewards points in your first year (that’s up to $350 towards travel )‡
• 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)
• Enjoy no FX Mark-up
• Enjoy Complimentary Airport Lounge Access, plus 6 free lounge visits per year
• Rates, fees and other information are effective as of April 1, 2018. Subject to change.

on Scotiabank's secure site
2,400 AIR MILES®* Reward Miles

American Express® AIR MILES®* Reserve Credit Card

Foreign Transaction Fee: 2.5%
Annual Fee: $299 CAD
Conditions apply
on American Express' secure site
Why we like this card

Current Offer
• New American Express® AIR MILES®* Reserve Credit Card Cardmembers, earn a Welcome Bonus of 2,400 AIR MILES®* Reward Miles when you charge a total of $3,000 in purchases to your Card within your first three months of Cardmembership. That's enough for two select flights
• Your ticket to the World of Onyx™ - Receive automatic Onyx™ status
• Once a year, when you redeem for a round-trip economy flight within the AIR MILES®* Reward Program, up to a maximum of 1,700 Miles, you can receive a Companion Flight for your companion to travel with you for the same itinerary (offer excludes service charges if applicable and taxes)
• Earn 1 Mile for every $10 in Card purchases at eligible AIR MILES®* Partners * Excludes purchases made at airmilesshops.ca
• Earn 1 Mile for every $10 in Card purchases at other eligible grocery stores, gas stations, and drugstores in Canada
• Plus, earn 1 Mile for every $15 in Card purchases everywhere else
• Priority Pass™* - Worldwide Airport Lounge Access
• Through AIR MILES®* FlexFly™ Redemptions, you can access additional airlines and destinations, departure times, and economy, business and first-class seats on flights not available within the AIR MILES Reward Program
• 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 now link. Conditions apply

on American Express' secure site
2,000 AIR MILES®* Miles

American Express® AIR MILES®* Platinum Credit Card

Foreign Transaction Fee: 2.5%
Annual Fee: $65 CAD
Conditions apply
on American Express' secure site
Why we like this card

Current Offer
• New American Express® AIR MILES®* Platinum Credit Card Cardmembers, earn a Welcome Bonus of 2,000 AIR MILES®* Reward Miles when you charge a total of $1,500 in purchases to your Card within your first three months of Cardmembership. That's enough for a select flight
• Earn 1 Mile for every $10 in Card purchases at eligible AIR MILES®* Partners * Excludes purchases made at airmilesshops.ca
• Earn 1 Mile for every $10 in Card purchases at AIR MILES®* Partners and at other eligible grocery stores, gas stations, and drugstores in Canada
• Plus, earn 1 Mile for every $15 in Card purchases everywhere else
• Optional Balance Transfer Offer - Enjoy a 1.99% interest rate in the first 6 months of Cardmembership if you choose to transfer your other credit card balances to this American Express card
• Balance Transfer option is only available at time of online application. There is no balance transfer fee at time of application
• Shop at participating AIR MILES®* Partners®* across Canada with your Card and show your AIR MILES®* Card, and you can earn Miles twice
• 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 now link. Conditions apply

on American Express' secure site
150 Bonus AIR MILES®* Reward Miles

American Express® AIR MILES®* Gold Business Card

Foreign Transaction Fee: 2.5%
Annual Fee: $0
Conditions apply
on American Express' secure site
Why we like this card

Current Offer
150 Bonus AIR MILES®* Reward Miles when you spend $1,000 within the first three months of Cardmembership

Card Details
• Get 150 Bonus AIR MILES®* Reward Miles when you spend $1,000 within the first three months of Cardmembership
• Earn 1 Mile for every $15 in Card purchases at AIR MILES®* Sponsors and 1 for every $20 in Card purchases everywhere else
• Show your Collector Card and use your AIR MILES®* Gold Business Card at Sponsor locations to earn miles twice
• Pay no annual fee. Plus, enjoy the flexibility to pay balances in full or over time
• 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 now link. Conditions apply

on American Express' secure site
2,000 AIR MILES®* Miles

American Express® AIR MILES®* for Business Card

Foreign Transaction Fee: 2.5%
Annual Fee: $180 CAD
Conditions apply
on American Express' secure site
Why we like this card

Current Offer
• Earn a bonus of 2,000 AIR MILES®* Reward Miles when you charge a total of $5,000 in purchases to your Card within your first 3 months of Cardmembership
• You can maximize your cash flow with up to 55 interest-free days and enjoy purchasing power that adjusts dynamically with Card usage
• You can benefit from an exclusive 25% discount on business rewards when you redeem AIR MILES Reward Miles from your Dream balance for rewards from the AIR MILES For Business Rewards catalogue, an online catalogue designed especially with the small business owner in mind
• Earn 1 Mile for every $10 in Card purchases at eligible AIR MILES®* Partners* and 1 Mile for every $15 in Card purchases everywhere else
• Make the most of a suite of business management tools that give you more control over your business anytime and anywhere
• With the American Express® AIR MILES®* for Business Card, your purchasing power adjusts dynamically with your Card usage, and can grow over time, as long as you make your payments on time and maintain a good credit history. That’s the power of a charge card
• As a Charge Card, the balance must always be paid in full each month. 30% annual interest rate applies to balances not paid in full. Payments must be received and processed by the date of the next monthly statement to avoid finance charges
• 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 now link. Conditions apply

on American Express' secure site