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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.
Industrial and Commercial Bank of China (Canada)№ 97

Dual Currency Credit Card

Credit card issued by Industrial and Commercial Bank of China (Canada).

Annual feeNot confirmed
Top earn rateNot confirmed
National Bank of Canada№ 98

ECHO Cashback Mastercard

Mastercard issued by National Bank of Canada.

Cash BackOnline Shopping
Annual feeC$30per year
Top earn rateNot confirmed
Vancity№ 102

enviro Visa Gold

Visa card issued by Vancity.

RewardsTravel
Annual feeNot confirmed
Top earn rateNot confirmed
Vancity№ 104

enviro Visa Infinite

Visa card issued by Vancity.

GroceriesPremium
Annual feeNot confirmed
Top earn rateNot confirmed
Vancity№ 107

enviro Visa Secured

Visa card issued by Vancity.

SecuredCredit Building
Annual feeNot confirmed
Top earn rateNot confirmed
Desjardins№ 109

Flexi Visa

Visa card issued by Desjardins.

Low InterestTravel Insurance
Annual feeNot confirmed
Top earn rateNot confirmed
Flexiti№ 110

FlexitiCard®

Credit card issued by Flexiti.

Store & Retail
Annual feeNot confirmed
Top earn rateNot confirmed
Float Financial Solutions Inc.№ 111

Float Charge

Credit card issued by Float Financial Solutions Inc..

Annual feeNot confirmed
Top earn rateNot confirmed
Home Trust№ 112

Home Trust Equityline Visa

Visa card issued by Home Trust.

Secured
Annual feeNot confirmed
Top earn rateNot confirmed
Home Trust№ 113

Home Trust Preferred Visa

Visa card issued by Home Trust.

Cash BackNo Annual Fee
Annual feeC$0per year
Top earn rateNot confirmed
Home Trust№ 114

Home Trust Secured Visa

Visa card issued by Home Trust.

SecuredCredit Building
Annual feeC$0per year
Top earn rateNot confirmed
Keep№ 115

Keep Business Mastercard

Mastercard issued by Keep.

Business
Annual feeNot confirmed
Top earn rateNot confirmed
Laurentian Bank№ 117

Laurentian Bank Visa EXPLORE

Visa card issued by Laurentian Bank.

TravelPoints
Annual feeC$110per year
Top earn rateNot confirmed
Laurentian Bank№ 118

Laurentian Bank Visa Infinite

Visa card issued by Laurentian Bank.

TravelPremium
Annual feeC$130per year
Top earn rate2xGas & Fuel
Loop№ 121

Loop Global Visa Card

Visa card issued by Loop.

BusinessNo Annual Fee
Annual feeC$0per year
Top earn rateNot confirmed
Collabria Financial Services Inc.№ 122

Low Rate Business Mastercard®

Mastercard issued by Collabria Financial Services Inc..

Business
Annual feeC$25per year
Top earn rateNot confirmed
Collabria Financial Services Inc.№ 123

Low Rate Visa* Business Card

Visa card issued by Collabria Financial Services Inc..

Business
Annual feeC$25per year
Top earn rateNot confirmed
Manulife Bank№ 124

Manulife Bank Visa Infinite

10% rewards on eligible purchases for first 3 months; 1.99% introductory rate for 6 months on balance transfers

PremiumRewards
Annual feeC$139Not yet checked with Manulife Bankper year
Top earn rateNot confirmed
Manulife Bank№ 125

Manulife Bank Visa Platinum

Get a 1.99% introductory rate for the first 6 months on balance transfers.

DiningEntertainment
Annual feeC$0per year
Top earn rateNot confirmed
MBNA Canada№ 131

MBNA Smart Cash World Mastercard®

Welcome offer: Earn 5% Cash Back on eligible gas and groceries purchases for the first 6 months†† ($500 monthly spend cap)

Cash BackGas & Fuel
Annual feeC$39per year
Top earn rateNot confirmed
MBNA Canada№ 133

MBNA True Line® Mastercard®

Welcome offer: You could get a 0% promotional annual interest rate (“AIR”)† for 12 months on balance transfers✪ completed within 90 days of account opening.

Balance TransferLow Interest
Annual feeC$0per year
Top earn rateNot confirmed
Meridian Credit Union№ 136

Meridian Visa Cash Back

Visa card issued by Meridian Credit Union.

Bills & UtilitiesCash Back
Annual feeNot confirmed
Top earn rateNot confirmed
Meridian Credit Union№ 138

Meridian Visa Infinite Cash Back

Visa card issued by Meridian Credit Union.

Bills & UtilitiesCash Back
Annual feeNot confirmed
Top earn rateNot confirmed
Meridian Credit Union№ 140

Meridian Visa Platinum Cash Back

Visa card issued by Meridian Credit Union.

Bills & UtilitiesCash Back
Annual feeNot confirmed
Top earn rateNot confirmed
Meridian Credit Union№ 142

Meridian Visa US Dollar Card

Visa card issued by Meridian Credit Union.

No FX FeeRewards
Annual feeNot confirmed
Top earn rateNot confirmed
RBC Royal Bank№ 143

moi RBC Visa

Visa card issued by RBC Royal Bank.

DiningEV Charging
Annual feeC$0per year
Top earn rateNot confirmed
RBC Royal Bank№ 144

More Rewards RBC Visa

Visa card issued by RBC Royal Bank.

DiningEV Charging
Annual feeC$0per year
Top earn rate5xDining
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.