Compare credit cards in Canada

Cards from issuers licensed in Canada that we have a live apply link for. Compare annual fee, purchase rate and rewards — if a card is missing, we cannot attribute the click.

41Offers

—Lowest APR

5Providers

✓No credit pull to look
✓Published rates, not estimates
✓Free to compare

read live from provider feeds

What should the card do?

What matters? Pick several

Match me for Credit cards

About a minute · we pull no credit file

Credit cards

Cards you can apply for.

Live from issuers we have a distribution agreement with in this market.

Scotiabank

Scotiabank Platinum American Express Card

AMEX

Scotiabank Platinum American Express Card

8.74.4(1)

from Scotiabank

Lowest APR

2–5 pts/$

Rewards

$399

Annual fee

9.99%

Purchase rate

Consumer
Reward points

2 Scene+ points/$ on eligible purchases; 5 points/$ on eligible hotels and car rentals booked through Scene+ Travel.

APR: 9.99%

Annual fee: CAD 399. Purchase interest: 9.99%. Cash advances: 9.99%. Rates and fees may change; see issuer information box. We do not receive commission on this link. Eligibility and final terms are determined by the issuer.

See details Apply

Scotiabank

Scotiabank Value Visa Card

VISA

Scotiabank Value Visa Card

8.74.4(1)

from Scotiabank

No rewards

Rewards

$29

Annual fee

13.99%

Purchase rate

Consumer

This card focuses on borrowing costs or USD spending rather than a points or cashback programme.

APR: 13.99%

Annual fee: CAD 29. Purchase interest: 13.99%. Cash advances: 13.99%. Rates and fees may change; see issuer information box. We do not receive commission on this link. Eligibility and final terms are determined by the issuer.

See details Apply

Scotiabank

Scotiabank Value Visa Card (for students)

VISA

Scotiabank Value Visa Card (for students)

8.74.4(1)

from Scotiabank

No rewards

Rewards

$29

Annual fee

13.99%

Purchase rate

Consumer

This card focuses on borrowing costs or USD spending rather than a points or cashback programme.

APR: 13.99%

Annual fee: CAD 29. Purchase interest: 13.99%. Cash advances: 13.99%. Rates and fees may change; see issuer information box. Student eligibility requirements apply. We do not receive commission on this link. Eligibility and final terms are determined by the issuer.

See details Apply

Neo Financial

Cathay World Elite Mastercard

8.74.4(1)

from Neo Financial

Asia Miles

Rewards

$180

Annual fee

19.99–26.99%

Purchase rate

Consumer
Reward points

1 Asia Mile/$ on eligible Canadian purchases; 2 miles/$ on foreign-currency purchases. Additional Cathay and partner earn rates apply.

180 CAD annual card fee. Secured credit requires a security deposit and Build membership at CAD 9.99/month in addition to the annual fee.

Reward and credit options

APR: 19.99%

Issuer determines eligibility and available card type after application. We do not receive commission on this link. Eligibility and final terms are determined by the issuer.

See details Apply

Neo Financial

Neo Mastercard

8.74.4(1)

from Neo Financial

No annual fee

Up to 1% cashback

Rewards

Annual fee

19.99–29.99%

Purchase rate

Consumer
No annual fee

1% on eligible groceries, gas and EV charging, plus qualifying partner cashback offers.

0 CAD annual card fee. Secured credit requires a security deposit and Build membership at CAD 9.99/month in addition to the annual fee.

Reward and credit options

$0 annual fee; no minimum income; extra cardholder $0
1% cash back on groceries and gas/EV charging (standard card)
Credit limit up to $10,000, or a secured limit with Build ($7.99/month)
Pre-approval uses no hard credit check; Canadian photo ID required

APR: 19.99%
Credit limit: $10,000

Neo Mastercard has $0 annual fee. Purchase APR 19.99%–29.99%; cash advances 22.99%–31.99%. Quebec purchase 19.99%–24.99%; cash advances 22.99%–25% (FAQ truncated on-page). Rate is set at account level. Traditional limit up to $10,000. Secured option requires refundable security funds and Build membership ($7.99/month). Must live in Canada, have Canadian photo ID, and be the age of majority. Source: neofinancial.com/credit-cards/neo-mastercard, 2026-08-27.

See details Apply

Neo Financial

Neo World Elite Mastercard — Everywhere

Neo World Elite Mastercard

8.74.4(1)

from Neo Financial

Up to 5% cashback

Rewards

$149

Annual fee

19.99–29.99%

Purchase rate

Consumer
Cashback

Choose Gas & Grocery (5% groceries, 3% gas/EV, 4% recurring, 1% otherwise), Shop & Dine (5% food/drink, 3% shopping, 1% otherwise), or Everywhere (2%). Category limits apply.

149 CAD annual card fee. Secured credit requires a security deposit and Build membership at CAD 9.99/month in addition to the annual fee.

Reward and credit options

Rewards option: Everywhere
Annual card fee: CAD 149

APR: 19.99%

Issuer determines eligibility and available card type after application. We do not receive commission on this link. Eligibility and final terms are determined by the issuer.

See details Apply

Neo Financial

Neo World Mastercard — Everywhere

Neo World Mastercard

8.74.4(1)

from Neo Financial

No annual fee

Up to 2% cashback

Rewards

Annual fee

19.99–29.99%

Purchase rate

Consumer
Cashback
No annual fee

Choose Gas & Grocery (2% groceries, gas/EV and recurring; 0.5% otherwise), Shop & Dine (2% food/drink and shopping; 0.5% otherwise), or Everywhere (1%). Category limits apply.

0 CAD annual card fee. Secured credit requires a security deposit and Build membership at CAD 9.99/month in addition to the annual fee.

Reward and credit options

Rewards option: Everywhere
Annual card fee: CAD 0

APR: 19.99%

Issuer determines eligibility and available card type after application. We do not receive commission on this link. Eligibility and final terms are determined by the issuer.

See details Apply

Scotiabank

Scotiabank U.S. Dollar Visa Card

VISA

Scotiabank U.S. Dollar Visa Card

8.74.4(1)

from Scotiabank

No rewards

Rewards

US$35

Annual fee

19.99%

Purchase rate

Consumer

This card focuses on borrowing costs or USD spending rather than a points or cashback programme.

APR: 19.99%

Annual fee: USD 35. Purchase interest: 19.99%. Cash advances: 22.99%. Rates and fees may change; see issuer information box. We do not receive commission on this link. Eligibility and final terms are determined by the issuer.

See details Apply

Neo Financial

United MileagePlus Neo World Elite Mastercard

8.74.4(1)

from Neo Financial

0.75–1.25 miles/$

Rewards

$89

Annual fee

19.99–29.99%

Purchase rate

Consumer
Reward points

0.75 MileagePlus miles/$ on other eligible purchases; 1 on dining and groceries; 1.25 on United and Star Alliance flights. Additional partner offers apply.

89 CAD annual card fee. Secured credit requires a security deposit and Build membership at CAD 9.99/month in addition to the annual fee.

Reward and credit options

APR: 19.99%

Issuer determines eligibility and available card type after application. We do not receive commission on this link. Eligibility and final terms are determined by the issuer.

See details Apply

Tangerine

Tangerine Money-Back Credit Card

VISA

Tangerine Money-Back Credit Card

8.94.5(1)

from Tangerine

No annual fee

0.5–2% cashback

Rewards

Annual fee

20.95%

Purchase rate

Consumer
No annual fee
Balance transfer

2% in two selected categories, or three when rewards are deposited into a Tangerine Savings Account; 0.5% on other eligible purchases.

$0 annual fee; up to 5 free authorized users
2% cash back in 2 categories (3rd if rewards go to a Tangerine Savings Account); 0.5% on everything else
Purchase interest 20.95%; cash advances 22.95%
Canadian resident, age of majority, $12,000+ income; no bankruptcy in past 7 years

APR: 20.95%

Foreign fee: 2.5

No annual fee. Purchase interest 20.95%; cash advances and balance transfers 22.95%. Penalty rates 25.95% / 27.95% after two missed consecutive minimum payments. Cash-advance fee $3.50 in Canada / $5 outside. Regular BT fee 3% (min $5). Promo 1.95% BT for 6 statement periods on transfers within 30 days of opening (1% promo BT fee; waived in Quebec). Foreign conversion 2.50%. New-card 10% cash-back offer (up to $100) if applied by 30 Sep 2026. Source: tangerine.ca Money-Back Credit Card, 2026-08-27.

See details Apply

Tangerine

Tangerine Money-Back World Mastercard

8.94.5(1)

from Tangerine

No annual fee

0.5–2% cashback

Rewards

Annual fee

20.95%

Purchase rate

Consumer
Cashback
No annual fee

2% in two selected categories, or three when rewards are deposited into a Tangerine Savings Account; 0.5% on other eligible purchases.

APR: 20.95%

Annual Interest Rates: The annual interest rate on Purchases is 20.95% and Cash Advances (including Balance Transfers) is 22.95%. Rates are subject to change. If you don't make 2 consecutive monthly Minimum Payments, or at any time thereafter, an interest rate of 25.95% will apply to your Account on Purchases and 27.95% on Cash Advances (including Balance Transfers). See the information Box at tangerine.ca/creditcardlegal for full details. Rates and fees are subject to change. *See Card Provider's website and Card Application for complete card details, terms and current offers. Reasonable efforts are made to maintain accuracy of information. We do not receive commission on this link. Eligibility and final terms are determined by the issuer.

See details Apply

Tangerine

Tangerine Rewards World Elite Mastercard

8.94.5(1)

from Tangerine

1–1.5 pts/$

Rewards

$120

Annual fee

20.95%

Purchase rate

Consumer
Reward points

1 Scene+ point per eligible dollar; 1.5 points/$ in three selected accelerator categories, changeable every 90 days.

APR: 20.95%

See details Apply

Scotiabank

Scotia Momentum Mastercard

8.74.4(1)

from Scotiabank

No annual fee

0.5–1% cashback

Rewards

Annual fee

20.99%

Purchase rate

Consumer
Cashback
No annual fee

1% in eligible bonus categories; 0.5% on other eligible purchases. Category definitions and spending limits apply.

APR: 20.99%

Annual fee: CAD 0. Purchase interest: 20.99%. Cash advances: 22.99%. Rates and fees may change; see issuer information box. We do not receive commission on this link. Eligibility and final terms are determined by the issuer.

See details Apply

Scotiabank

Scotia Momentum No-Fee Visa Card

VISA

Scotia Momentum No-Fee Visa Card

8.74.4(1)

from Scotiabank

No annual fee

0.5–1% cashback

Rewards

Annual fee

20.99%

Purchase rate

Consumer
Cashback
No annual fee

1% in eligible bonus categories; 0.5% on other eligible purchases. Category definitions and spending limits apply.

APR: 20.99%

See details Apply

Scotiabank

Scotia Momentum No-Fee Visa Card (for students)

VISA

Scotia Momentum No-Fee Visa Card (for students)

8.74.4(1)

from Scotiabank

No annual fee

0.5–1% cashback

Rewards

Annual fee

20.99%

Purchase rate

Consumer
Cashback
No annual fee

1% in eligible bonus categories; 0.5% on other eligible purchases. Category definitions and spending limits apply.

APR: 20.99%

Annual fee: CAD 0. Purchase interest: 20.99%. Cash advances: 22.99%. Rates and fees may change; see issuer information box. Student eligibility requirements apply. We do not receive commission on this link. Eligibility and final terms are determined by the issuer.

See details Apply

Scotiabank

Scotia Momentum Visa Card

VISA

Scotia Momentum Visa Card

8.74.4(1)

from Scotiabank

1–2% cashback

Rewards

$49

Annual fee

20.99%

Purchase rate

Consumer
Cashback

2% in eligible bonus categories; 1% on other eligible purchases. Category definitions and spending limits apply.

APR: 20.99%

Annual fee: CAD 49. Purchase interest: 20.99%. Cash advances: 22.99%. Rates and fees may change; see issuer information box. We do not receive commission on this link. Eligibility and final terms are determined by the issuer.

See details Apply

Scotiabank

Scotia Momentum Visa Card (for students)

VISA

Scotia Momentum Visa Card (for students)

8.74.4(1)

from Scotiabank

1–2% cashback

Rewards

$49

Annual fee

20.99%

Purchase rate

Consumer
Cashback

2% in eligible bonus categories; 1% on other eligible purchases. Category definitions and spending limits apply.

APR: 20.99%

Annual fee: CAD 49. Purchase interest: 20.99%. Cash advances: 22.99%. Rates and fees may change; see issuer information box. Student eligibility requirements apply. We do not receive commission on this link. Eligibility and final terms are determined by the issuer.

See details Apply

Scotiabank

Scotia Momentum Visa Infinite + Card

VISA

Scotia Momentum Visa Infinite + Card

8.74.4(1)

from Scotiabank

1–4% cashback

Rewards

$120

Annual fee

20.99%

Purchase rate

Consumer
Cashback

4% on eligible groceries and recurring payments; 2% on eligible gas, EV charging, transit and food delivery; 1% otherwise.

APR: 20.99%

Annual fee: CAD 120. Purchase interest: 20.99%. Cash advances: 22.99%. Rates and fees may change; see issuer information box. We do not receive commission on this link. Eligibility and final terms are determined by the issuer.

See details Apply

Scotiabank

Scotiabank Passport Visa Infinite + Card

VISA

Scotiabank Passport Visa Infinite + Card

8.74.4(1)

from Scotiabank

1–4 pts/$

Rewards

$150

Annual fee

20.99%

Purchase rate

Consumer
Reward points

Earn Scene+ points on eligible purchases. Base earn: 1 point/$; higher category and Scene+ Travel rates apply, up to 4 points/$. See issuer category definitions and limits.

APR: 20.99%

Annual fee: CAD 150. Purchase interest: 20.99%. Cash advances: 22.99%. Rates and fees may change; see issuer information box. We do not receive commission on this link. Eligibility and final terms are determined by the issuer.

See details Apply

Scotiabank

Scotiabank Passport Visa Infinite Privilege Card

VISA

Scotiabank Passport Visa Infinite Privilege Card

8.74.4(1)

from Scotiabank

1–6 pts/$

Rewards

$599

Annual fee

20.99%

Purchase rate

Consumer
Reward points

Earn Scene+ points on eligible purchases. Base earn: 1 point/$; higher category and Scene+ Travel rates apply, up to 6 points/$. See issuer category definitions and limits.

APR: 20.99%

Annual fee: CAD 599. Purchase interest: 20.99%. Cash advances: 22.99%. Rates and fees may change; see issuer information box. We do not receive commission on this link. Eligibility and final terms are determined by the issuer.

See details Apply

Wealthsimple

Wealthsimple Visa Infinite + Credit Card

VISA

Wealthsimple Visa Infinite + Credit Card

9.04.5(1)

from Wealthsimple

Highest score

2% cashback

Rewards

$20/mo

Monthly fee

20.99%

Purchase rate

Consumer
Cashback

2% on eligible purchases without category caps.

CAD 20/month, charged annually in Quebec; waived for qualifying assets or payroll deposits. Eligibility conditions apply.

APR: 20.99%

Requires Canadian residency, age of majority and an active Wealthsimple chequing account. Limited quantities; meeting eligibility does not guarantee a card. Monthly fee CAD 20 below CAD 100,000 in individual assets; Quebec clients billed annually. Fee waiver available with qualifying CAD 4,000 monthly direct deposit. Purchase interest 20.99%; cash advances 22.99%; penalty rates 25.99%/27.99% after two missed consecutive minimum payments. Income, household-income or asset/spend eligibility criteria apply; see issuer terms. We do not receive commission on this link. Eligibility and final terms are determined by the issuer.

See details Apply

Wealthsimple

Wealthsimple Visa Infinite Privilege Credit Card

VISA

Wealthsimple Visa Infinite Privilege Credit Card

9.04.5(1)

from Wealthsimple

Highest score

2% cashback

Rewards

$20/mo

Monthly fee

20.99%

Purchase rate

Consumer
Cashback

2% on eligible purchases without category caps.

CAD 20/month, charged annually in Quebec; waived for qualifying assets or payroll deposits. Eligibility conditions apply.

APR: 20.99%

See details Apply

Scotiabank

Scotiabank American Express Card

AMEX

Scotiabank American Express Card

8.74.4(1)

from Scotiabank

No annual fee

1–4 pts/$

Rewards

Annual fee

21.99%

Purchase rate

Consumer
Reward points
No annual fee

Earn Scene+ points on eligible purchases. Base earn: 1 point/$; higher category and Scene+ Travel rates apply, up to 4 points/$. See issuer category definitions and limits.

APR: 21.99%

Annual fee: CAD 0. Purchase interest: 21.99%. Cash advances: 22.99%. Rates and fees may change; see issuer information box. We do not receive commission on this link. Eligibility and final terms are determined by the issuer.

See details Apply

Scotiabank

Scotiabank American Express Card (for students)

AMEX

Scotiabank American Express Card (for students)

8.74.4(1)

from Scotiabank

No annual fee

1–4 pts/$

Rewards

Annual fee

21.99%

Purchase rate

Consumer
Reward points
No annual fee

Earn Scene+ points on eligible purchases. Base earn: 1 point/$; higher category and Scene+ Travel rates apply, up to 4 points/$. See issuer category definitions and limits.

APR: 21.99%

Annual fee: CAD 0. Purchase interest: 21.99%. Cash advances: 22.99%. Rates and fees may change; see issuer information box. Student eligibility requirements apply. We do not receive commission on this link. Eligibility and final terms are determined by the issuer.

See details Apply

Scotiabank

Scotiabank Gold American Express Card

AMEX

Scotiabank Gold American Express Card

8.74.4(1)

from Scotiabank

1–6 pts/$

Rewards

$120

Annual fee

21.99%

Purchase rate

Consumer
Reward points

6 Scene+ points/$ at participating grocery partners; 5 on eligible dining, other groceries and entertainment; 3 on eligible gas, transit and streaming; 1 otherwise. Eligible Scene+ Travel bookings earn 4 points/$.

APR: 21.99%

Annual fee: CAD 120. Purchase interest: 21.99%. Cash advances: 22.99%. Rates and fees may change; see issuer information box. We do not receive commission on this link. Eligibility and final terms are determined by the issuer.

See details Apply

Scotiabank

Scotiabank Scene+ Visa Card

VISA

Scotiabank Scene+ Visa Card

8.74.4(1)

from Scotiabank

No annual fee

1–4 pts/$

Rewards

Annual fee

21.99%

Purchase rate

Consumer
Reward points
No annual fee

Earn Scene+ points on eligible purchases. Base earn: 1 point/$; higher category and Scene+ Travel rates apply, up to 4 points/$. See issuer category definitions and limits.

APR: 21.99%

See details Apply

Scotiabank

Scotiabank Scene+ Visa Card (for students)

VISA

Scotiabank Scene+ Visa Card (for students)

8.74.4(1)

from Scotiabank

No annual fee

1–4 pts/$

Rewards

Annual fee

21.99%

Purchase rate

Consumer
Reward points
No annual fee

Earn Scene+ points on eligible purchases. Base earn: 1 point/$; higher category and Scene+ Travel rates apply, up to 4 points/$. See issuer category definitions and limits.

APR: 21.99%

See details Apply

Simplii Financial

Simplii Financial Cash Back Visa

VISA

Simplii Financial Cash Back Visa

8.74.4(1)

from Simplii Financial

No annual fee

0.5–4% cashback

Rewards

Annual fee

21.99%

Purchase rate

Consumer
No annual fee

4% on eligible restaurants, bars and coffee shops up to $5,000/year; 1.5% on eligible gas, groceries, drugstores and pre-authorized payments up to $15,000/year; 0.5% otherwise.

$0 annual fee (primary plus up to 3 extra cards)
4% dining (cap $5,000/year) / 1.5% gas, groceries, drugstore and bills (cap $15,000/year) / 0.5% unlimited
Minimum household income $15,000; not available in Quebec
Cash back paid once a year as a January statement credit

APR: 21.99%

Foreign fee: 2.5

No annual fee. Purchase interest 21.99%; cash advances 22.99%. Payment due 21 days from statement date. 4% restaurants/bars/coffee up to $5,000 spend/year; 1.5% gas, groceries, drugstore and pre-authorized payments up to $15,000/year; 0.5% on all other purchases with no cap. Cash back is accumulated Jan–Dec and applied on the January statement. Minimum household income $15,000. Age of majority. Canadian citizen or permanent resident excluding Quebec; no bankruptcy in the last 7 years. Source: simplii.com Cash Back Visa, 2026-08-27.

See details Apply

For open credit, the figure shown is the annual interest rate as at the date stated, not an annual percentage rate. Every charge that applies at the outset and every periodic charge is shown alongside it.

Labels are derived from the published terms in this list — the lowest rate, the fastest stated payout, the widest amount range — and are recalculated whenever the list changes. They are not paid placements.

You are comparing this market from outside it. Availability and terms differ by province and state, so this list is limited to products that may be offered in all of them — from inside the market you may see more.

Buckmatch is paid by the lenders and banks whose products appear here. Cheapest first. The list is ordered on the all-in annual cost rate each provider publishes — the APR, or the effective rate where the market uses that term — from lowest to highest. Where a provider publishes a range, the lowest rate in the range is used. How this list is ordered

Payment is usually contingent on you taking up a product — being approved, drawing the loan, or being issued the card. It does not affect the order of this list, or the rates and fees shown, which come from the provider. We are not a lender, a mortgage broker or an adviser.

The order is calculated before any commercial term is considered. No provider can pay for a higher position, and products with no published rate appear last.

Buckmatch compares published product terms. We do not give financial, credit, tax or legal advice, we do not assess whether a product is suitable for you, and we cannot tell you whether you will be approved.

Payment does not affect this order. No provider can buy a higher position, and the order is calculated from published rates before any commercial term is considered. Products with no published rate appear last.

Where two products carry the same rate, the earlier one keeps its place. Products we earn nothing from are ordered the same way as products we do.

We do not cover every product on the market. A provider absent from this list is not a judgement about it.

Scotiabank: Annual fee: CAD 399. Purchase interest: 9.99%. Cash advances: 9.99%. Rates and fees may change; see issuer information box. We do not receive commission on this link. Eligibility and final terms are determined by the issuer.

Scotiabank: Annual fee: CAD 29. Purchase interest: 13.99%. Cash advances: 13.99%. Rates and fees may change; see issuer information box. We do not receive commission on this link. Eligibility and final terms are determined by the issuer.

Scotiabank: Annual fee: CAD 29. Purchase interest: 13.99%. Cash advances: 13.99%. Rates and fees may change; see issuer information box. Student eligibility requirements apply. We do not receive commission on this link. Eligibility and final terms are determined by the issuer.

Neo Financial: Issuer determines eligibility and available card type after application. We do not receive commission on this link. Eligibility and final terms are determined by the issuer.

Neo Financial: Neo Mastercard has $0 annual fee. Purchase APR 19.99%–29.99%; cash advances 22.99%–31.99%. Quebec purchase 19.99%–24.99%; cash advances 22.99%–25% (FAQ truncated on-page). Rate is set at account level. Traditional limit up to $10,000. Secured option requires refundable security funds and Build membership ($7.99/month). Must live in Canada, have Canadian photo ID, and be the age of majority. Source: neofinancial.com/credit-cards/neo-mastercard, 2026-08-27.

Scotiabank: Annual fee: USD 35. Purchase interest: 19.99%. Cash advances: 22.99%. Rates and fees may change; see issuer information box. We do not receive commission on this link. Eligibility and final terms are determined by the issuer.

Tangerine: No annual fee. Purchase interest 20.95%; cash advances and balance transfers 22.95%. Penalty rates 25.95% / 27.95% after two missed consecutive minimum payments. Cash-advance fee $3.50 in Canada / $5 outside. Regular BT fee 3% (min $5). Promo 1.95% BT for 6 statement periods on transfers within 30 days of opening (1% promo BT fee; waived in Quebec). Foreign conversion 2.50%. New-card 10% cash-back offer (up to $100) if applied by 30 Sep 2026. Source: tangerine.ca Money-Back Credit Card, 2026-08-27.

Tangerine: Annual Interest Rates: The annual interest rate on Purchases is 20.95% and Cash Advances (including Balance Transfers) is 22.95%. Rates are subject to change. If you don't make 2 consecutive monthly Minimum Payments, or at any time thereafter, an interest rate of 25.95% will apply to your Account on Purchases and 27.95% on Cash Advances (including Balance Transfers). See the information Box at tangerine.ca/creditcardlegal for full details. Rates and fees are subject to change. *See Card Provider's website and Card Application for complete card details, terms and current offers. Reasonable efforts are made to maintain accuracy of information. We do not receive commission on this link. Eligibility and final terms are determined by the issuer.

Scotiabank: Annual fee: CAD 0. Purchase interest: 20.99%. Cash advances: 22.99%. Rates and fees may change; see issuer information box. We do not receive commission on this link. Eligibility and final terms are determined by the issuer.

Scotiabank: Annual fee: CAD 0. Purchase interest: 20.99%. Cash advances: 22.99%. Rates and fees may change; see issuer information box. Student eligibility requirements apply. We do not receive commission on this link. Eligibility and final terms are determined by the issuer.

Scotiabank: Annual fee: CAD 49. Purchase interest: 20.99%. Cash advances: 22.99%. Rates and fees may change; see issuer information box. We do not receive commission on this link. Eligibility and final terms are determined by the issuer.

Scotiabank: Annual fee: CAD 49. Purchase interest: 20.99%. Cash advances: 22.99%. Rates and fees may change; see issuer information box. Student eligibility requirements apply. We do not receive commission on this link. Eligibility and final terms are determined by the issuer.

Scotiabank: Annual fee: CAD 120. Purchase interest: 20.99%. Cash advances: 22.99%. Rates and fees may change; see issuer information box. We do not receive commission on this link. Eligibility and final terms are determined by the issuer.

Scotiabank: Annual fee: CAD 150. Purchase interest: 20.99%. Cash advances: 22.99%. Rates and fees may change; see issuer information box. We do not receive commission on this link. Eligibility and final terms are determined by the issuer.

Scotiabank: Annual fee: CAD 599. Purchase interest: 20.99%. Cash advances: 22.99%. Rates and fees may change; see issuer information box. We do not receive commission on this link. Eligibility and final terms are determined by the issuer.

Wealthsimple: Requires Canadian residency, age of majority and an active Wealthsimple chequing account. Limited quantities; meeting eligibility does not guarantee a card. Monthly fee CAD 20 below CAD 100,000 in individual assets; Quebec clients billed annually. Fee waiver available with qualifying CAD 4,000 monthly direct deposit. Purchase interest 20.99%; cash advances 22.99%; penalty rates 25.99%/27.99% after two missed consecutive minimum payments. Income, household-income or asset/spend eligibility criteria apply; see issuer terms. We do not receive commission on this link. Eligibility and final terms are determined by the issuer.

Scotiabank: Annual fee: CAD 0. Purchase interest: 21.99%. Cash advances: 22.99%. Rates and fees may change; see issuer information box. We do not receive commission on this link. Eligibility and final terms are determined by the issuer.

Scotiabank: Annual fee: CAD 0. Purchase interest: 21.99%. Cash advances: 22.99%. Rates and fees may change; see issuer information box. Student eligibility requirements apply. We do not receive commission on this link. Eligibility and final terms are determined by the issuer.

Scotiabank: Annual fee: CAD 120. Purchase interest: 21.99%. Cash advances: 22.99%. Rates and fees may change; see issuer information box. We do not receive commission on this link. Eligibility and final terms are determined by the issuer.

Simplii Financial: No annual fee. Purchase interest 21.99%; cash advances 22.99%. Payment due 21 days from statement date. 4% restaurants/bars/coffee up to $5,000 spend/year; 1.5% gas, groceries, drugstore and pre-authorized payments up to $15,000/year; 0.5% on all other purchases with no cap. Cash back is accumulated Jan–Dec and applied on the January statement. Minimum household income $15,000. Age of majority. Canadian citizen or permanent resident excluding Quebec; no bankruptcy in the last 7 years. Source: simplii.com Cash Back Visa, 2026-08-27.

Credit cards in Canada are revolving credit from issuers we have a live distribution agreement with. If a card is missing, we do not have an apply link that attributes the click. Compare annual fee, purchase APR, cash-advance cost and any introductory period — rewards are worthless if you revolve a balance at the full rate.

Fee versus interest

A card with no annual fee and a high purchase rate is cheap only if you clear the statement every month. A fee-charging rewards card can still be cheaper if the rewards you actually use beat the fee and you do not revolve. Fees and interest works through that split.

When a loan is the cheaper tool

If the balance will take more than a few months to clear, an instalment personal loan often has a lower APR than revolving card credit. Use the loan calculator, then match for a card or a loan without a credit check to browse.

Issuers on this page are licensed in Canada and supervised by OSFI and the FCAC. See the lender directory and how we compare products.

FAQ

Questions readers in this market ask

Answered with local rules, local supervision and local pricing — not a translated US page.

What card interest rate is normal in Canada?

Revolving balances are priced on each issuer's published APR. A rewards card only pays off if you clear the balance in full every month. We do not invent a typical rate.

Who supervises the providers compared on Buckmatch in Canada?

Every institution listed for Canada is supervised by OSFI and the FCAC. Eligible deposits are covered by CDIC coverage up to $100,000 per depositor and institution.

What does "APR" mean here?

APR is the effective annual cost used in Canada, including interest and mandatory fees. We always show the local measure so figures match the provider's own price list.

Do you check my credit to show matches?

Providers in Canada assess applications with a Equifax / TransUnion Canada. We shortlist on the published minimum criteria only — Buckmatch never runs a credit check.

How current is the pricing on this page?

Every figure on this page is read from the provider's own product feed, so it changes here when the provider changes it rather than when we get round to retyping it. We deliberately do not stamp a verification date on the page: the feed does not record when a provider last reviewed a figure, so any date we printed would be our guess dressed up as a fact. Where a required number is missing from the feed we leave the field empty instead of estimating it.

How does Buckmatch make money?

Providers pay us a fee, and in most cases it falls due only if a reader goes on to be approved for or take up the product; on a few products it is a percentage of the amount borrowed. That never changes the order: it is computed from the price the provider publishes, before any commercial term is read, and placement is not for sale. The methodology page sets out exactly how the order is derived so you can check a list against it.