Skip to content
★ 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
Search
Network
Annual fee
Sort
Filtering on fee uses the figure on record. A card with no fee on record shows a blank on its tile, not a price.
Capital One Canada№ 50

Capital One Guaranteed Mastercard®

Mastercard issued by Capital One Canada.

Credit BuildingNo Annual Fee
Annual feeC$0per year
Top earn rateNot confirmed
Canadian Tire Bank№ 53

Cash Advantage Mastercard

Mastercard issued by Canadian Tire Bank.

Cash Back
Annual feeNot confirmed
Top earn rateNot confirmed
Desjardins№ 54

Cash Back Mastercard

Mastercard issued by Desjardins.

Cash BackNo Annual Fee
Annual feeC$0per year
Top earn rateNot confirmed
Collabria Financial Services Inc.№ 55

Cash Back Mastercard®

Mastercard issued by Collabria Financial Services Inc..

Cash BackNo Annual Fee
Annual feeC$0per year
Top earn rate1xGas & Fuel
Desjardins№ 56

Cash Back Visa

Visa card issued by Desjardins.

Cash BackNo Annual Fee
Annual feeC$0per year
Top earn rateNot confirmed
Collabria Financial Services Inc.№ 57

Cash Back Visa Infinite* Card

Visa card issued by Collabria Financial Services Inc..

Cash BackPremium
Annual feeC$120per year
Top earn rate4xGroceries
Collabria Financial Services Inc.№ 58

Cash Back Visa* Card

Visa card issued by Collabria Financial Services Inc..

Cash BackNo Annual Fee
Annual feeC$0per year
Top earn rate1xGas & Fuel
Collabria Financial Services Inc.№ 60

Cash Back World Elite® Mastercard

Mastercard issued by Collabria Financial Services Inc..

Cash Back
Annual feeC$120per year
Top earn rate4xGroceries
Collabria Financial Services Inc.№ 62

Centra Gold Mastercard®

Mastercard issued by Collabria Financial Services Inc..

Low Interest
Annual feeC$50per year
Top earn rate1xTwo independent reads agree · not quoted verbatimOther
Collabria Financial Services Inc.№ 63

Centra Visa* Gold Card

Visa card issued by Collabria Financial Services Inc..

Low Interest
Annual feeC$50per year
Top earn rate1xTwo independent reads agree · not quoted verbatimOther
CIBC№ 64

CIBC AC Conversion Visa

Visa card issued by CIBC.

AirlineTravel
Annual feeNot confirmed
Top earn rateNot confirmed
CIBC№ 65

CIBC Adapta Mastercard

Mastercard issued by CIBC.

Cash BackPoints
Annual feeC$0per year
Top earn rateNot confirmed
CIBC№ 69

CIBC Aeroplan Visa Card

Visa card issued by CIBC.

AirlineNo Annual Fee
Annual feeC$0per year
Top earn rateNot confirmed
CIBC№ 74

CIBC Aventura Visa Card

Visa card issued by CIBC.

Gas & FuelGroceries
Annual feeC$0per year
Top earn rate1xDrugstores
CIBC№ 80

CIBC bizline Visa Card

Visa card issued by CIBC.

BusinessLow Interest
Annual feeC$0per year
Top earn rateNot confirmed
CIBC№ 81

CIBC Classic Visa Card

Visa card issued by CIBC.

No Annual Fee
Annual feeC$0per year
Top earn rateNot confirmed
CIBC№ 85

CIBC Costco Mastercard

Mastercard issued by CIBC.

Cash BackDining
Annual feeC$0per year
Top earn rateNot confirmed
CIBC№ 86

CIBC Costco World Mastercard

Mastercard issued by CIBC.

Cash BackStore & Retail
Annual feeNot confirmed
Top earn rateNot confirmed
CIBC№ 88

CIBC Dividend Visa Card

Visa card issued by CIBC.

Cash BackDining
Annual feeC$0per year
Top earn rateNot confirmed
CIBC№ 91

CIBC Select Visa Card

Transfer your credit card balance and get 0% interest for up to 10 months with a 1% transfer fee

Low Interest
Annual feeC$29per year
Top earn rateNot confirmed
Collabria Financial Services Inc.№ 93

Classic Mastercard®

Mastercard issued by Collabria Financial Services Inc..

Annual feeC$20per year
Top earn rateNot confirmed
Canadian Western Bank (CWB)№ 95

CWB Rewards Mastercard

Mastercard issued by Canadian Western Bank (CWB).

Rewards
Annual feeNot confirmed
Top earn rateNot confirmed
Canadian Western Bank (CWB)№ 96

CWB World Elite Mastercard

Mastercard issued by Canadian Western Bank (CWB).

Rewards
Annual feeNot confirmed
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.