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★ THE HONEST NUMBER ON EVERY CARD272 CARDS TRACKEDNO BIAS · NO SIGNUP
File Nº 01 — Canada Cards

The honest number on every Canada credit card.

Every card we hold for Canada — fee, network, and welcome offer, with no marketing copy and no pay-to-rank. Where a figure has never been recorded, we leave it blank rather than guess it.

*figures come from issuers’ own terms and regulators’ published documents. Each card's review page marks which of its figures a document states — and marks the rest Not yet checked, or Not published where we checked, or Issuer restricts access.

272
Canada cards tracked
27
categories filed
Browse by place

Where you live in Canada

Issuers a quoted line ties to the place, regional issuers with branches there, and the local rules that change how you pay — each one from its source.

Browse by issuer

Every bank and lender we list

Each issuer's page lists the cards it offers today, with the figures we have confirmed against its own terms.

The ledger

All credit cards in Canada

Showing 48 of 272
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Filtering on fee uses the figure on record. A card with no fee on record shows a blank on its tile, not a price.
Affinity Credit Union№ 1

Affinity World Elite Mastercard

Mastercard issued by Affinity Credit Union.

PremiumRewards
Annual feeNot confirmed
Top earn rateNot confirmed
Affinity Credit Union№ 2

Affinity World Mastercard

Mastercard issued by Affinity Credit Union.

RewardsWelcome Bonus
Annual feeNot confirmed
Top earn rateNot confirmed
Affinity Credit Union№ 3

Affinity® Mastercard®

Mastercard issued by Affinity Credit Union.

RewardsWelcome Bonus
Annual feeNot confirmed
Top earn rateNot confirmed
MBNA Canada№ 5

Amazon.ca Rewards Mastercard®

Get 5% back at Amazon.ca, Whole Foods Market stores in Canada, grocery stores and restaurants! Valid for the first 6 months, on your first $3,000 in eligible purchases†

DiningNo Annual Fee
Annual feeC$0per year
Top earn rateNot confirmed
American Express Canada№ 8

American Express Cobalt® Card

Amex card issued by American Express Canada.

Rewards
Annual feeNot confirmed
Top earn rateNot confirmed
American Express Canada№ 9

American Express Corporate Card

Amex card issued by American Express Canada.

BusinessTravel Insurance
Annual feeC$45per year
Top earn rateNot confirmed
American Express Canada№ 10

American Express Corporate Gold Card

Amex card issued by American Express Canada.

BusinessTravel Insurance
Annual feeC$75per year
Top earn rateNot confirmed
American Express Canada№ 13

American Express® Aeroplan®* Card

Amex card issued by American Express Canada.

AirlineWelcome Bonus
Annual feeC$120per year
Top earn rateNot confirmed
American Express Canada№ 17

American Express® Green Card

Amex card issued by American Express Canada.

Rewards
Annual feeNot confirmed
Top earn rateNot confirmed
ATB Financial№ 18

ATB Alberta Mastercard

Mastercard issued by ATB Financial.

No Annual Fee
Annual feeC$0per year
Top earn rateNot confirmed
ATB Financial№ 20

ATB Gold Cash Rewards Mastercard

Welcome bonus | Special offer Upon approval, you’ll receive 5% cash back rewards for first 3 months up to $2,000 in spend.

Cash BackRewards
Annual feeC$0per year
Top earn rateNot confirmed
ATB Financial№ 24

ATB US Dollar Mastercard

Mastercard issued by ATB Financial.

Travel Insurance
Annual feeNot confirmed
Top earn rateNot confirmed
ATB Financial№ 25

ATB World Elite Mastercard

Mastercard issued by ATB Financial.

PremiumRewards
Annual feeNot confirmed
Top earn rateNot confirmed
BMO№ 31

BMO Blue Rewards Mastercard

Mastercard issued by BMO.

Gas & FuelGroceries
Annual feeNot confirmed
Top earn rateNot confirmed
BMO№ 34

BMO CashBack Business Mastercard

Get 10% cash back on gas, office supplies and cellphone and internet bill payments for 3 months!** Plus, get a 0.00% introductory interest rate on balance transfers for 9 months with a 3% transfer fee.∆

BusinessCash Back
Annual feeC$0per year
Top earn rateNot confirmed
BMO№ 35

BMO CashBack Mastercard

Mastercard issued by BMO.

Cash BackGroceries
Annual feeNot confirmed
Top earn rateNot confirmed
BMO№ 42

BMO VIPorter Mastercard

Mastercard issued by BMO.

DiningGas & Fuel
Annual feeC$89per year
Top earn rateNot confirmed
Desjardins№ 44

Bonus Visa

Visa card issued by Desjardins.

Rewards
Annual feeNot confirmed
Top earn rateNot confirmed
Brim Financial№ 45

Brim Standard

Mastercard issued by Brim Financial.

Cash BackPoints
Annual feeNot confirmed
Top earn rate1 pts per C$2Other
Brim Financial№ 46

Brim World Elite

Mastercard issued by Brim Financial.

Cash BackPoints
Annual feeC$89per year
Top earn rateNot confirmed
Questions

Frequently asked

How many credit cards does PointsExplained track in Canada?

We currently track 272 credit cards in Canada, covering every major bank and issuer. Each card records the issuer's published fee, network, category, and welcome offer where we hold one.

What is the best credit card in Canada?

The best card depends on your spending. For travel, look for accelerated earn on travel and dining. For everyday value, a card with broad earn and no yearly cost is ideal. Use the category chips and filters above to narrow 272 cards to your wallet.

How do I compare credit cards on this page?

Filter by network (Visa, Mastercard, Amex) and annual fee, then open any card for the full review. To put two or three cards head to head, use the Compare tool, which lays them out side by side on a single ledger.

Why do some cards show a blank annual fee?

Because we hold no confirmed figure for it. Our fee column used to default to zero, and many cards still carry a zero that no check has confirmed — so a zero on its own cannot be told apart from a field nobody filled in, and printing “C$0” there would invent a price. A card shows a fee where a positive one is on record, or where a zero was confirmed against the issuer's terms; otherwise the slot reads “Not confirmed”, and the issuer's own page is the place to check before you apply.

How do I know which of a card's details have been checked?

Each card's review page marks every figure it prints: “Checked” with the month (and a link to the published document where we hold its address), or “Not yet checked” with the issuer where no check is on record — and a card with any unchecked figure says so at the top. A figure the issuer's pages we checked do not state, or that sits behind a site that blocks automated reading, is left blank and marked “Not published by the issuer where we checked” or “Issuer restricts access — check their site”. The date beside “Annual fee checked” covers the annual fee only. Terms change without notice, so confirm the current fee and offer on the issuer's own page before you apply.