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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 32 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.
TD Bank Group№ 241

TD Rewards Visa Card

Earn 15,152 TD Rewards Points+ (a value of $50 on Amazon.ca13) when you spend $500 within 90 days of Account opening+. Conditions apply.

No Annual FeeRewards
Annual feeC$0per year
Top earn rateNot confirmed
TD Bank Group№ 242

TD Secured Credit Card

Visa card issued by TD Bank Group.

SecuredCredit Building
Annual feeNot confirmed
Top earn rateNot confirmed
TD Bank Group№ 243

TD U.S. Dollar Visa Card

Visa card issued by TD Bank Group.

RewardsTravel Insurance
Annual feeC$39per year
Top earn rateNot confirmed
The Home Depot Canada№ 244

The Home Depot® Commercial Account

Credit card issued by The Home Depot Canada.

BusinessStore & Retail
Annual feeNot confirmed
Top earn rateNot confirmed
American Express Canada№ 247

The Platinum Card®

Amex card issued by American Express Canada.

Lounge AccessPremium
Annual feeC$799per year
Top earn rateNot confirmed
Canadian Tire Bank№ 248

Triangle Mastercard

Mastercard issued by Canadian Tire Bank.

Cash BackGroceries
Annual feeC$0per year
Top earn rateNot confirmed
Canadian Tire Bank№ 249

Triangle World Elite Mastercard

Mastercard issued by Canadian Tire Bank.

Cash BackPremium
Annual feeNot confirmed
Top earn rateNot confirmed
Collabria Financial Services Inc.№ 251

US Dollar Mastercard®

Mastercard issued by Collabria Financial Services Inc..

Annual feeC$50per year
Top earn rateNot confirmed
Collabria Financial Services Inc.№ 252

US Dollar Visa* Card

Visa card issued by Collabria Financial Services Inc..

Annual feeC$50per year
Top earn rateNot confirmed
Desjardins№ 253

Visa Business

Visa card issued by Desjardins.

Business
Annual feeNot confirmed
Top earn rateNot confirmed
Desjardins№ 254

Visa Business Advantage

Visa card issued by Desjardins.

BusinessRewards
Annual feeNot confirmed
Top earn rateNot confirmed
Desjardins№ 257

Visa Corporate

Visa card issued by Desjardins.

BusinessTravel Insurance
Annual feeC$20per year
Top earn rateNot confirmed
Collabria Financial Services Inc.№ 258

Visa Infinite Business* Card

Visa card issued by Collabria Financial Services Inc..

BusinessPremium
Annual feeC$130per year
Top earn rateNot confirmed
Collabria Financial Services Inc.№ 259

Visa Infinite* Card

Visa card issued by Collabria Financial Services Inc..

Premium
Annual feeC$120per year
Top earn rate3xGroceries
Desjardins№ 260

Visa Purchasing

Visa card issued by Desjardins.

Business
Annual feeC$20per year
Top earn rateNot confirmed
Desjardins№ 261

Visa US Business

Visa card issued by Desjardins.

Business
Annual feeNot confirmed
Top earn rateNot confirmed
Collabria Financial Services Inc.№ 262

Visa* Classic Card

Visa card issued by Collabria Financial Services Inc..

Annual feeC$20per year
Top earn rateNot confirmed
Fairstone Financial№ 263

Walmart Rewards™ Mastercard®

Mastercard issued by Fairstone Financial.

Cash BackRewards
Annual feeNot confirmed
Top earn rateNot confirmed
Fairstone Bank of Canada№ 264

Walmart Rewards™ World Mastercard®

Mastercard issued by Fairstone Bank of Canada.

RewardsStore & Retail
Annual feeNot confirmed
Top earn rateNot confirmed
Wealthsimple№ 266

Wealthsimple Visa Infinite Privilege

Visa card issued by Wealthsimple.

Cash BackPremium
Annual feeC$20/monthNot yet checked with WealthsimpleC$240/yr
Top earn rate2%Other
Wealthsimple№ 267

Wealthsimple Visa Infinite+

Visa card issued by Wealthsimple.

Cash BackPremium
Annual feeC$20/monthNot yet checked with WealthsimpleC$240/yr
Top earn rateNot confirmed
RBC Royal Bank№ 268

WestJet RBC Mastercard

Mastercard issued by RBC Royal Bank.

AirlineDining
Annual feeC$39per year
Top earn rateNot confirmed
Collabria Financial Services Inc.№ 271

World Elite® Business Mastercard

Mastercard issued by Collabria Financial Services Inc..

Business
Annual feeC$130per year
Top earn rateNot confirmed
Collabria Financial Services Inc.№ 272

World® Mastercard

Mastercard issued by Collabria Financial Services Inc..

Annual feeC$120per year
Top earn rate3xGroceries
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.