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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.
RBC Royal Bank№ 145

More Rewards RBC Visa Infinite

Visa card issued by RBC Royal Bank.

DiningEV Charging
Annual feeNot confirmed
Top earn rateNot confirmed
National Bank of Canada№ 146

mycredit Mastercard

Mastercard issued by National Bank of Canada.

Bills & UtilitiesCash Back
Annual feeC$0per year
Top earn rate1%Dining
National Bank of Canada№ 147

National Bank Allure Mastercard

Mastercard issued by National Bank of Canada.

No Annual FeeRewards
Annual feeC$0per year
Top earn rateNot confirmed
National Bank of Canada№ 149

National Bank Business Mastercard

Mastercard issued by National Bank of Canada.

Business
Annual feeNot confirmed
Top earn rateNot confirmed
National Bank of Canada№ 151

National Bank MC1 Mastercard

Mastercard issued by National Bank of Canada.

Annual feeNot confirmed
Top earn rateNot confirmed
National Bank of Canada№ 153

National Bank Platinum Mastercard

Up to 35,000 reward points upon enrollment, and a refund of the annual fee for the first year for the primary cardholder of a National Bank® Platinum Mastercard®.

Bills & UtilitiesDining
Annual feeNot confirmed
Top earn rateNot confirmed
National Bank of Canada№ 154

National Bank World Elite Mastercard

Mastercard issued by National Bank of Canada.

Bills & UtilitiesDining
Annual feeNot confirmed
Top earn rateNot confirmed
National Bank of Canada№ 155

National Bank World Mastercard

Mastercard issued by National Bank of Canada.

RewardsTravel
Annual feeNot confirmed
Top earn rateNot confirmed
Neo Financial№ 156

Neo Mastercard

Mastercard issued by Neo Financial.

Credit BuildingGas & Fuel
Annual feeC$0per year
Top earn rateNot confirmed
Collabria Financial Services Inc.№ 163

No Fee Cash Back Business Mastercard®

Mastercard issued by Collabria Financial Services Inc..

BusinessCash Back
Annual feeNot confirmed
Top earn rateNot confirmed
Collabria Financial Services Inc.№ 164

No Fee Cash Back Visa* Business Card

Visa card issued by Collabria Financial Services Inc..

BusinessCash Back
Annual feeNot confirmed
Top earn rateNot confirmed
Servus Credit Union№ 165

No Fee Mastercard

Mastercard issued by Servus Credit Union.

No Annual Fee
Annual feeC$0per year
Top earn rateNot confirmed
Desjardins№ 166

Odyssey Gold Visa

Visa card issued by Desjardins.

PremiumRewards
Annual feeC$110per year
Top earn rateNot confirmed
Desjardins№ 168

Odyssey World Elite Mastercard

Mastercard issued by Desjardins.

DiningEntertainment
Annual feeC$130per year
Top earn rateNot confirmed
PC Financial№ 170

PC® Mastercard®

Mastercard issued by PC Financial.

PointsRewards
Annual feeNot confirmed
Top earn rateNot confirmed
PC Financial№ 172

PC® World Mastercard®

Mastercard issued by PC Financial.

GroceriesPoints
Annual feeNot confirmed
Top earn rateNot confirmed
Ramp№ 173

Ramp Visa Business Card

Visa card issued by Ramp.

Business
Annual feeNot confirmed
Top earn rateNot confirmed
RBC Royal Bank№ 174

RBC Avion Visa Business

Visa card issued by RBC Royal Bank.

BusinessRewards
Annual feeNot confirmed
Top earn rateNot confirmed
RBC Royal Bank№ 175

RBC Avion Visa Infinite

Visa card issued by RBC Royal Bank.

PremiumRewards
Annual feeC$120per year
Top earn rateNot confirmed
RBC Royal Bank№ 176

RBC Avion Visa Infinite Business

Visa card issued by RBC Royal Bank.

BusinessLounge Access
Annual feeNot confirmed
Top earn rateNot confirmed
RBC Royal Bank№ 178

RBC Avion Visa Platinum

Visa card issued by RBC Royal Bank.

PremiumRewards
Annual feeC$120per year
Top earn rateNot confirmed
RBC Royal Bank№ 181

RBC Cash Back Mastercard

Mastercard issued by RBC Royal Bank.

Cash BackEV Charging
Annual feeC$0per year
Top earn rateNot confirmed
RBC Royal Bank№ 183

RBC ION Visa

Visa card issued by RBC Royal Bank.

EntertainmentGas & Fuel
Annual feeNot confirmed
Top earn rateNot confirmed
RBC Royal Bank№ 184

RBC ION+ Visa

Visa card issued by RBC Royal Bank.

DiningEntertainment
Annual feeNot confirmed
Top earn rateNot confirmed
RBC Royal Bank№ 185

RBC Royal Bank Visa Business

Visa card issued by RBC Royal Bank.

Business
Annual feeC$12per year
Top earn rateNot confirmed
RBC Royal Bank№ 186

RBC U.S. Dollar Visa Gold

Visa card issued by RBC Royal Bank.

RewardsTravel
Annual feeC$65per year
Top earn rateNot confirmed
RBC Royal Bank№ 189

RBC Visa Platinum

Visa card issued by RBC Royal Bank.

No Annual Fee
Annual feeC$0per year
Top earn rateNot confirmed
Rogers Bank№ 190

Rogers Red Mastercard

Mastercard issued by Rogers Bank.

Cash BackRewards
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.