Personal Credit Cards

Personal credit cards are useful payment tools designed for consumers to manage everyday purchases. When you use your credit cards, you don’t have to carry cash any more. You receive a credit card bill at the end of each billing cycle, which you can then pay off all the payments once a month. For most of the credit cards that have no annual fee, you can use them at no cost as long as you pay off bills on time. In addition, you have the opportunity to earn as much as 4% cash back with some credit cards or to receive 0% interest to save money on credit card debt. Check out the best personal credit cards for Canadian residents.

  • Do life stuff: get an extra 10% back* on everyday purchases.
  • Earn an extra 10% back* for a limited time with a Tangerine Money-Back Credit Card.
  • Apply for a Tangerine Money-Back Credit Card and earn an extra 10% back (up to $100) when you spend up to $1,000 in everyday purchases within your first 2 months.*
  • Earn 2% Money-Back Rewards on your everyday purchases in up to 3 categories of your choice, and 0.50% Money-Back Rewards on all your other everyday purchases.
  • No limit on the amount of Money-Back Rewards you can earn.
  • Change your 2% Money-Back Categories to suit your spending.
  • No annual fee
Intro APR
1.95% on Balance Transfers
Intro APR Period
6 months
Purchase APR
19.95%
Annual Fee
$0
  • New SimplyCash™ from American Express Cardmembers can earn 4% cash back on purchases (up to $200 cash back) for the first 6 months of Cardmembership
  • Earn 1.25% cash back on purchases when your Welcome Rate ends
  • No limit to the amount of cash back you can earn after your Welcome Rate ends
  • Access virtual events and special offers curated for Cardmembers with American Express® Experiences
  • Insurance coverage and 24/7 Customer Service
  • American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information click the Apply now link. Conditions apply
Intro APR
N/A
Intro APR Period
N/A
Purchase APR
19.99%
Annual Fee
$0
  • New SimplyCash™ Preferred Card from American Express Cardmembers can earn 10% cash back on all eligible purchases (up to $400 cash back) for the first 4 months of Cardmembership
  • Earn 2.0% cash back when your Welcome Rate ends
  • No limit to the amount of cash back you can earn after your Welcome Rate ends
  • Access to memorable experiences with American Express Invites®
  • Extensive insurance coverage and 24/7 Customer Service
  • American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information click the Apply now link. Conditions apply
Intro APR
N/A
Intro APR Period
N/A
Purchase APR
19.99%
Annual Fee
$99
  • New Marriott Bonvoy® American Express®* Cardmembers earn 50,000 Marriott Bonvoy® points after you charge $1,500 in purchases to your Card in your first three months of Cardmembership. Subject to change at any time
  • Earn 5 points for every $1 spent in eligible Card purchases at hotels participating in Marriott Bonvoy®
  • Earn 2 points for every $1 spent in all other Card purchases
  • Receive an Annual Free Night Award for up to 35,000 points at eligible hotels and resorts worldwide every year after your first anniversary
  • No annual fee on Additional Cards
  • Redeem points for free nights with no blackout dates at over 7,000 of the world's most desired hotels
  • Automatic Marriott Bonvoy Silver Elite status membership
  • Receive 15 Elite Night Credits each calendar year with your Marriott Bonvoy® American Express®* Card. These can be used towards attaining the next level of Elite status in the Marriott Bonvoy program
  • Enjoy an automatic upgrade to Marriott Bonvoy Gold Elite status when you reach $30,000 in purchases on the Card each year
  • American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information click the Apply now link. Conditions apply
Intro APR
N/A
Intro APR Period
N/A
Purchase APR
19.99%
Annual Fee
$120
  • Earn 10% cash back on all purchases for the first 3 months (up to $2,000 in total purchases).¹
  • The cash back card with the most awards in 2021.
  • Comprehensive Travel Insurance and New Mobile Device Insurance.
  • No annual fee in the first year, including on supplementary cards.
  • Earn 4% for every $1 you spend on grocery store purchases, recurring bill payments, and subscription purchases.
  • Earn 2% for every $1 you spend on gas purchases and daily transit purchases.
  • Earn 1% cash back on all other purchases with no cash back limit.
Intro APR
N/A
Intro APR Period
N/A
Purchase APR
20.99%
Annual Fee
No annual fee in the first year, $120 thereafter
  • Earn up to 50,000 Membership Rewards® points - that's $500 in statement credits towards your next flight or dinner out with friends that has been charged to the Card
  • New American Express® Gold Rewards Cardmembers can earn a Welcome Bonus of 40,000 points when you charge $3,000 in purchases to your Card in your first 3 months of Cardmembership
  • Plus, earn an additional 10,000 points when you make a purchase between 14 and 17 months of Cardmembership
  • Earn 2 points for every $1 in Card purchases for eligible travel purchases, including flights, hotels, car rentals, cruises, and more
  • Earn 2 points for every $1 in Card purchases at eligible gas stations, grocery stores and drugstores in Canada, and 1 point for every $1 in Card purchases everywhere else
  • The Card is now available in your choice of Gold or Rose Gold metal options
  • Receive a $50 CAD statement credit when a NEXUS application or renewal fee is charged to your American Express Gold Rewards Card
  • You have access to an annual $100 CAD Travel Credit, compliments of your American Express Gold Rewards Card. Use the credit once annually towards any single travel booking of $100 or more charged to your Gold Rewards Card through American Express Travel Online
  • As a Gold Rewards Cardmember, you can receive complimentary membership in Priority Pass™ - one of the world's largest independent airport lounge programs. Escape the chaos of airports and relax in an oasis of calm and simply enjoy the fact that the travel experience has begun before your plane has even left the ground. Enrollment is required and entry fees apply
  • Enjoy four (4) complimentary visits per Calendar year to Plaza Premium Lounges across Canada. Entry fees apply once complimentary visits have been used
  • Charge any eligible purchase to your credit Card then log in to redeem your earned points for a statement credit
  • Transfer points 1:1 to several frequent flyer and other loyalty programs
  • 1 Free Additional Gold Rewards Card (a $50 value) to help you earn points faster
  • Subject to approval. The preferred rate for purchases is 20.99% and funds advances is 21.99%. If you have Missed Payments, the applicable rates for your account will be 23.99% and/or 26.99%. See the information box included with the application for the definition of Missed Payment and which rates apply to charges on your account and other details
  • American Express is not responsible for maintaining of monitoring the accuracy of information on this website. For full details and current product information click the Apply now link. Conditions apply.
Intro APR
N/A
Intro APR Period
N/A
Purchase APR
20.99%
Annual Fee
$250
  • In your first year as a new Cobalt Cardmember, you can earn 2,500 Membership Rewards® points for each monthly billing period in which you spend $500 in net purchases on your Card. This could add up to 30,000 points in a year
  • 30,000 points is enough for:
  • •  $300 in statement credits redeemed towards purchases charged to your Card or
    •  $225 in American Express® Prepaid Cards
  • Earn 5x the points on eligible eats and drinks in Canada, including groceries and food delivery
  • Earn 3x the points on eligible streaming subscriptions in Canada
  • Earn 2 points for every $1 spent on eligible transit & gas purchases in Canada and eligible travel purchases. That's 2X the points on purchases that get you from point A to B
  • Earn 1 point for every $1 in Card purchases everywhere else. We won't tell you where to spend, we'll just reward you on your Card purchases
  • Transfer points 1:1 to several frequent flyer and other loyalty programs
  • Cobalt Cardmembers receive regular Perks such as bonus reward offers and access to great events
  • Access Front Of The Line® Presale & Reserved Tickets to some of your favourite concerts and theatre performances and special offers and events curated for Cardmembers with American Express® Experiences
  • American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details, current product information and Terms and Conditions, click the Apply now link. Conditions Apply
Intro APR
N/A
Intro APR Period
N/A
Purchase APR
20.99%
Annual Fee
$12.99/month of Cardmembership ($155.88 annually)
  • Earn up to 35,000 bonus Scene+™ points in your first year (that's up to $350 towards travel).¹ Plus, no annual fee in the first year, including on supplementary cards¹
  • Earn 25,000 bonus Scene+ points by making at least $1,000 in everyday eligible purchases in your first 3 months.
  • Plus, as a Scotiabank Passport Visa Infinite cardholder, you are eligible to earn an annual 10,000 Scene+ point bonus when you spend at least $40,000 in everyday net eligible purchases annually.
  • Redeem your Scene+ points towards statement credits, travel, the latest tech, gift cards and more!
  • Earn 2 Scene+ points on every $1 you spend on eligible grocery stores, dining, entertainment purchases, and daily transit purchases (including buses, subways, taxis and more).
  • Earn 1 Scene+ point on every $1 you spend on all other eligible purchases.
  • You will not be charged a Foreign Currency Conversion mark-up on foreign currency purchases whether you make them online or outside of Canada. Only the exchange rate applies.
  • Enjoy complimentary Priority Pass™ membership, plus 6 free visits per year from the date of enrolment to all participating lounges worldwide (including Priority Pass and Plaza Premium lounges).
Intro APR
N/A
Intro APR Period
N/A
Purchase APR
19.99%
Annual Fee
$139
  • Earn 5% cash back on all purchases for the first 3 months (up to $2,000 in total purchases). Plus, get a 2.99% introductory interest rate on balance transfers for the first 6 months (22.99% after that; annual fee $0).
  • Earn 1% cash back on all eligible gas stations, grocery stores, drug stores purchases and recurring payments.
  • Earn 0.5% cash back on all other eligible purchases.
Intro APR
2.99% on Balance Transfers
Intro APR Period
6 months
Purchase APR
19.99%
Annual Fee
$0
  • New American Express® AIR MILES®* Platinum Credit Card Cardmembers, earn a Welcome Bonus of 2,000 AIR MILES®* Bonus Miles when you charge a total of $1,500 in purchases to your Card within your first three months of Cardmembership. That's enough to redeem for $200 towards your purchases with AIR MILES®* Cash
  • Earn 1 Mile for every $5 in Card purchases, up to $30,000 annually, on eligible food & drinks, (such as eligible restaurants, coffee shops and stand-alone grocery stores), and eligible gas & transit (such as local commuter transportation including ridesharing services and taxi) in Canada
  • Earn 1 Mile for every $10 in Card purchases everywhere else
  • American Express® AIR MILES®* Platinum Credit Card Cardmembers can take advantage of the Annual Travel Redemption Benefit. Once per calendar year, when an eligible Cardmember uses Dream Miles with the AIR MILES Reward Program to book their first single flight or package vacation through airmiles.ca or vacations.airmiles.ca, they can get Bonus Miles equivalent to 25% of the net number of Miles used (up to a maximum of 750 Bonus Miles)
  • Shop at participating AIR MILES®* Partners®* across Canada with your Card and show your AIR MILES®* Card, and you can earn Miles twice
  • American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information click the Apply now link. Conditions apply
Intro APR
N/A
Intro APR Period
N/A
Purchase APR
20.99%
Annual Fee
$120
  • Get a 2.99% introductory interest rate on balance transfers for the first 6 months (22.99% after that; annual fee $39)
  • Earn 2% cash back for every $1 you spend on all eligible gas stations, grocery store, drug store purchases and recurring bill payments.
  • 1% cash back on all other eligible everyday purchases
Intro APR
2.99% on Balance Transfers
Intro APR Period
6 months
Purchase APR
19.99%
Annual Fee
$39
  • Earn Scene+™* points on everyday purchases.
  • Earn 5,000 bonus Scene+™ points with your first $750 in everyday purchases in the first 3 months.
  • Earn 5 Scene+ points for every $1 you spend on credit card purchases at Cineplex™ theatres or at cineplex.com.
  • Earn 1 Scene+ point for every $1 you spend on your everyday credit card purchases.
  • Redeem Scene+™* points for travel, shopping, entertainment, dining, banking, and more.
  • Get $5 off at participating restaurants when you redeem just 500 points.
  • A new, flexible way to pay off your eligible Scotiabank Visa* credit card purchases of $100 or more, with no interest rate on your plan and a low fee.
Intro APR
N/A
Intro APR Period
N/A
Purchase APR
19.99%
Annual Fee
$0
  • 0.99% introductory interest rate on balance transfers for the first 6 months (12.99% after that; annual fee $29)
  • Save up to hundreds of dollars in interest a year
  • Low 12.99% interest rate
  • Convenient with Visa payWave*simply wave your card and go!
  • Pay down higher interest rates balances faster
  • Transfer higher rate balances and save even more
Intro APR
0.99% on Balance Transfers
Intro APR Period
6 months
Purchase APR
12.99%
Annual Fee
$29
  • New American Express® AIR MILES®* Reserve Credit Card Cardmembers, earn a welcome bonus of 2,400 AIR MILES®* Bonus Miles when you charge a total of $3,000 in purchases to your Card within your first 3 months of Cardmembership. That's enough for two select flights
  • Your ticket to the World of Onyx®* - Receive automatic Onyx® Collector status
  • Once a year, when you redeem for any flight Reward within the AIR MILES®* Reward Program, you can receive up to a maximum of 1,700 Miles towards a Companion Flight, for your companion to travel with you for the same itinerary (offer excludes service charges if applicable and taxes)
  • Get 1 Mile for every $10 in Card purchases at eligible AIR MILES®* Partners (excludes purchases made at airmilesshops.ca)
  • Get 1 Mile for every $10 in Card purchases at other eligible grocery stores, gas stations and drugstores in Canada
  • Plus, get 1 Mile for every $15 in Card purchases everywhere else
  • You can receive four (4) complimentary visits per year to more than 1,200 airport lounges around the globe. After your four (4) complimentary visits have been used for the year, you may continue to visit the lounges for a usage fee at the prevailing rate
  • American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information click the Apply now link. Conditions apply
Intro APR
N/A
Intro APR Period
N/A
Purchase APR
20.99%
Annual Fee
$299
  • Unlock special experiences with the Platinum Card®
  • Earn up to 80,000 Membership Rewards® points - that's up to $800 in statement credits that can be used towards extra leg room on your next flight, or a weekend away at the spa charged to your Card
  • New Platinum® Cardmembers, earn 60,000 Welcome Bonus points after you charge $6,000 in net purchases to your Card in your first 3 months of Cardmembership
  • Plus, earn 20,000 points when you make a purchase between 14 and 17 months of Cardmembership
  • Earn 3 points for every $1 in Card purchases on eligible dining and food delivery in Canada, 2 points for every $1 in Card purchases on eligible travel, and 1 point for every $1 in all other Card purchases
  • You will have access to a $200 CAD Annual Travel Credit to use towards any single travel booking of $200 or more charged to your Platinum Card and made on www.americanexpress.ca/travel or through Platinum Card® Travel Service
  • Take full advantage of The American Express Global Lounge Collection™ which unlocks access to over 1200 airport lounges worldwide. This includes The Centurion® Lounge network, Plaza Premium Lounges, and hundreds of other domestic and international lounges designed to enhance your travel experience
  • Enjoy flexible ways to use your points such as statement credits for any eligible purchase charged to your Card, new travel purchases booked on American Express Travel Online through the Flexible Points Travel Program, and eligible flights through the Fixed Points Travel Program
  • Transfer points 1:1 to several frequent flyer and other loyalty programs
  • Enjoy complimentary benefits that offer an average value of $550 USD at over 1,000 extraordinary properties worldwide when you book Fine Hotels + Resorts
  • Platinum Cardmembers can enjoy access to special events and unique opportunities
  • Enjoy premium benefits at the Toronto Pearson Airport such as discount on parking
  • You will also have access to many leading hotel and car rental companies' loyalty programs. Our partners include Marriott International, Hilton Hotels and Resorts, Radisson Hotel Group Americas, Hertz and Avis
  • Interest applies in accordance with your Cardmember Agreement, Information Box, and Disclosure statement if the total New Balance is not paid by the Payment Due Date each month. All payments must be received by the Payment Due Date shown on the monthly statement
  • American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information click the Apply now link. Conditions apply
Intro APR
N/A
Intro APR Period
N/A
Purchase APR
N/A
Annual Fee
$699
  • New American Express® Aeroplan®* Cardmembers can earn up to 50,000 Aeroplan points:
  • Earn 20,000 Aeroplan points after spending $1,500 in net purchases on your Card within the first 3 months of Cardmembership
  • Plus, earn 2,500 Aeroplan points for each monthly billing period in which you spend $500 in purchases on your Card for the first twelve months of Cardmembership. That could add up to 30,000 Aeroplan points
  • New Cardmembers: Earn up to $1,100 in value within your first year. Spend applies to bonus point offers valued at up to $1,000
  • Eligible cardmembers get a FREE Uber Pass membership for 6 months. Including unlimited $0 delivery fee on eligible restaurant orders of $15 or more, 5% off eligible restaurant orders over $15, and exclusive Rides Perks
  • Standard Earn Rate: Earn 2X the points on eligible purchases made directly with Air Canada®* and Air Canada vacations®*
  • Standard Earn Rate: Earn 1.5X the points on eligible Dining and Food Delivery purchases in Canada
  • Standard Earn Rate: Earn 1X the points on everything else
  • Enjoy your first checked bag free (up to 23kg/50lb) for up to 9 people travelling on the same reservation on Air Canada®* flights
  • Earn 1,000 Status Qualifying Miles and 1 Status Qualifying Segment for every $10,000 in eligible net purchases charged to your Card
  • As an American Express Aeroplan Cardmember, you can often book flight rewards for even fewer points with preferred pricing
  • American Express® Experiences: From music and movies, to specially curated dining and online shopping opportunities, stay connected with all that we have to offer from the comfort of your own home
  • Enjoy an array of travel related insurance benefits such as Lost or Stolen Baggage Insurance and up to $500,000 in Travel Accident Insurance
  • 24/7 Customer Service and Emergency Card Replacement
  • As part of our commitment to sustainability, the American Express® Aeroplan®* Card has been made with 70% reclaimed plastic
  • No pre-set spending limit on purchases gives you flexibility. Using a charge card is a great way to manage your finances as the balance must be paid in full each month* * American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information click the Apply now link. Conditions apply
Intro APR
N/A
Intro APR Period
N/A
Purchase APR
See Rates & Fees
Annual Fee
$120
  • New American Express® Aeroplan®* Reserve Cardmembers can earn up to 85,000 Aeroplan points:
  • Earn 25,000 Aeroplan points after spending $3,000 in net purchases on your Card within the first 3 months of Cardmembership
  • Plus, you can also earn 5,000 Aeroplan points for each monthly billing period in which you spend $1,000 in purchases on your Card for the first 12 months of Cardmembership. That could add up to 60,000 Aeroplan points
  • New Cardmembers: Earn up to $2,700 in value within your first year. Spend applies to bonus point offers valued at up to $1,700
  • Eligible cardmembers get a FREE Uber Pass membership for 12 months. Including unlimited $0 delivery fee on eligible restaurant orders of $15 or more, 5% off eligible restaurant orders over $15, and exclusive Rides Perks
  • New Cardmembers: Receive up to $100 CAD in statement credits every four years when a NEXUS application or renewal fee is charged to your American Express Aeroplan Reserve Card
  • Standard Earn Rate: Earn 3X the points on eligible purchases made directly with Air Canada®* and Air Canada Vacations®*
  • Standard Earn Rate: Earn 2X the points on eligible Dining and Food Delivery purchases in Canada
  • Earn 2X the points on eligible purchases with Rocky Mountaineer®**. Plus, you could receive a Complimentary Hotel Room Category Upgrade, on the first and last night, and a Complimentary Upgrade from SilverLeaf to GoldLeaf class of service when you book directly with Rocky Mountaineer using your Aeroplan Reserve Card
  • Standard Earn Rate: Earn 1.25X the points on everything else
  • Get through the airport quicker with Air Canada Priority Check-In, Air Canada Priority Boarding and Air Canada Priority Baggage Handling
  • Receive one Annual Worldwide Companion Pass when you spend $25,000 in net purchases prior to your Card anniversary date; your Pass entitles you to buy an accompanying Air Canada economy class ticket for a companion at a fixed base fare from $99 to a maximum of $599 CAD (plus taxes, fees, charges, and surcharges)
  • Enjoy access to select Air Canada Maple Leaf Lounges™* and Air Canada Café™ in North America for you and a guest, with a same day ticket on a departing Air Canada or Star Alliance flight
  • Enjoy your eligible first checked bag free for up to 9 people travelling on the same reservation on Air Canada flights
  • Roll over any unallocated Aeroplan Elite™* Status Qualifying Miles and unused eUpgrade Credits to the following year to enjoy during your travels
  • American Express® Experiences opens doors for you to access a number of special events, including special dining experiences, VIP parties, advance film screenings and more
  • Get more from your travel experience at Toronto Pearson International Airport with:
  • Access to Pearson Priority Security Lane
  • Complimentary valet service at the Express Park and Daily Park
  • 15% discount on parking rates at the Express Park and Daily Park
  • 15% discount on Car Care Services
  • Get access to more than 1,200 Priority Pass™ airport lounges and enjoy an oasis of comfort before your flight, regardless of your airline or cabin class
  • Insurance Coverage: whether you're shopping nearby or travelling abroad, you can feel confident knowing you can be taken care of
  • American Express® Aeroplan®* Reserve Card is made from precision cut and engraved 13g metal - it's the perfect companion on your next exceptional journey
  • American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information click the Apply now link. Conditions apply
Intro APR
N/A
Intro APR Period
N/A
Purchase APR
19.99%
Annual Fee
$599
  • Get the Card that lets you live in the moment while getting ready for the future. The American Express® Green Card lets you go for it with every swipe or tap of your Card
  • As a new American Express® Green Cardmember, you can earn a Welcome Bonus of 10,000 Membership Rewards® points when you charge $1,000 in purchases to your Card in the first 3 months of Cardmembership
  • Earn 1x the points on Card purchases
  • Charge an eligible purchase to your Card and redeem your Membership Rewards points for a statement credit (All eligible purchases: 1,000 points = $10 statement credit)
  • With American Express Experiences and Front Of The Line®, American Express Cardmembers get access to amazing events in Canada
  • Transfer points 1:1 to several frequent flyer and other loyalty programs
  • American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information click the Apply now link. Conditions apply
Intro APR
N/A
Intro APR Period
N/A
Purchase APR
20.99%
Annual Fee
$0
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