Canada's Best Visa Credit Cards 2019

35 CARDS The total number of credit card results available for this search
Annual Fees The amount of money charged to you each year to use the card
Rewards Rate The rewards rate your credit card receive for purchases made with your card
Bonus Offer The bonus offer available when you apply for this card
YOUR ESTIMATED NET ANNUAL REWARDS
The annual reward earnings, minus the average annual fee (fee / years), plus the average annual value of the signing bonus (bonus / years)

Home Trust Secured Annual Fee Visa

$59
per year  
N/A 
 
N/A 
 
Net Rewards
$-59
Show Offer Details
Offer Summary

  • Not available to residents of Quebec.

  • The Home Trust Secured Visa Card is a credit card that requires a security deposit for eligibility. Your credit limit is then set at the amount of the deposit. You can put down as little as $500, or as much as $10,000.

  • Make purchases over the phone or online

  • Plan and book a vacation

  • Access cash anytime, anywhere from over 1 million ATMs around the world displaying the Visa or Plus logo Shop at over 24 million locations worldwide

  • Applicants who have been discharged from Bankruptcy are eligible to apply at any time (Discharge Certificate may be requested)
  • ...
Card Facts

Network:
Institution: Home Trust
Type:

Fees & Interest

Purchase Interest Rate: 14.9%
Cash Advance Interest Rate: 19.8%
Balance Transfer Interest Rate: %
First Year Annual Fee: $59
Annual Fee After First Year: $59

Eligibility

Personal Income: $
Household Income: $
Credit Needed:

VISA Black (reduced rate option)

$30
per year  
N/A 
 
12.49% 
balance transfer rate 
Net Rewards
$-30 Apply Now on Laurentian Bank's
secure website
Show Offer Details
Offer Summary

  • You’re protected against the unauthorized use of your card or information about your account with Visa’s Zero Liability3 policy, at no extra cost to you

  • You can safely shop online thanks to Verified by Visa or Visa Checkout

  • 21-day interest-free payment deferment until the date shown on your statement

  • Possibility of access to virtual mail statement
  • v
  • Balances tranfer to other credit cards possible

  • Cards accepted in over 150 countries

  • Cash advances available from 800,000 automatic teller machines and 400,000 financial institutions

  • Free additional cards

  • Easy account payment by Internet, telephone, mail or at Bank Branches
Card Facts

Network:
Institution: Laurentian Bank
Type:

Fees & Interest

Purchase Interest Rate: 12.49%
Cash Advance Interest Rate: 12.49%
Balance Transfer Interest Rate: 12.49%
First Year Annual Fee: $30
Annual Fee After First Year: $30

Eligibility

Personal Income: $
Household Income: $0
Credit Needed:

Desjardins Classic Visa

$30
per year  
N/A 
 
12.9% 
on balance transfers 
Net Rewards
$-30 Apply Now on Desjardins's
secure website
Show Offer Details
Offer Summary

  • Pay less for a low-rate card

  • 3-Day Travel Insurance

  • Mobile Payment: pay for your purchases with a wave of your smartphone

  • Zero Liability against fraudulent transactions made to your card

  • Cash advances up to $2,500 per day

  • Up to 10% hertz discount
Card Facts

Network:
Institution: Desjardins
Type:

Fees & Interest

Purchase Interest Rate: 12.9%
Cash Advance Interest Rate: 12.9%
Balance Transfer Interest Rate: 12.9%
First Year Annual Fee: $30
Annual Fee After First Year: $30

Eligibility

Personal Income: $
Household Income: $0
Credit Needed:

CIBC Select VISA (Low Rate)

$29
per year  
N/A 
 
13.99% 
low interest rate 
Net Rewards
$-29 Apply Now on CIBC's
secure website
Show Offer Details
Offer Summary

  • Get a low interest rate of 13.99% with a $29 annual fee

  • Enjoy perks such as Avis and Budget car rental discounts

  • No annual fee for additional cards (up to 3)
Card Facts

Network:
Institution: CIBC
Type:

Fees & Interest

Purchase Interest Rate: 13.99%
Cash Advance Interest Rate: 13.99%
Balance Transfer Interest Rate: 13.99%
First Year Annual Fee: $29
Annual Fee After First Year: $29

Eligibility

Personal Income: $
Household Income: $15000
Credit Needed:

Scotiabank Value® Visa*

$29
per year  
N/A 
 
0.99% 
rate on transfers 1st 6 months 
Net Rewards
$-29
Show Offer Details
Offer Summary

  • Special 0.99% introductory interest rate on balance transfers for the first 6 months

  • Pay down higher interest rate balances faster when transferred to your card

  • Simplify your monthly payments by consolidating all your higher interest outstanding balances on this card

  • Annual Fee $29

  • Up to 20% AVIS rental car discount

  • Estimated first year rewards on credit card account following approval and if all requirements for rewards are met
Card Facts

Network:
Institution: Scotiabank
Type:

Fees & Interest

Purchase Interest Rate: 11.99%
Cash Advance Interest Rate: 11.99%
Balance Transfer Interest Rate: 11.99%
First Year Annual Fee: $29
Annual Fee After First Year: $29

Eligibility

Personal Income: $
Household Income: $
Credit Needed:

Visa Classic Low Rate Option

$20
per year  
N/A 
 
11.99% 
on balance transfers 
Net Rewards
$-20
Show Offer Details
Offer Summary

  • Worldwide access to cash advances of up to $500 daily (up to your available credit limit)

  • Accepted at more than 600,000 locations in Canada and over 24 million worldwide

  • Time-saving autopayment service

  • Commission-free travellers cheques
Card Facts

Network:
Institution: RBC Royal Bank
Type:

Fees & Interest

Purchase Interest Rate: 11.99%
Cash Advance Interest Rate: 11.99%
Balance Transfer Interest Rate: 11.99%
First Year Annual Fee: $20
Annual Fee After First Year: $20

Eligibility

Personal Income: $
Household Income: $
Credit Needed:

CIBC Classic Visa for Students

$0
no fee  
N/A 
 
N/A 
 
Net Rewards
$0
Show Offer Details
Offer Summary

  • Need a card with unsurpassed acceptance worldwide

  • Don't want to pay an annual fee

  • Enjoy making small purchases faster with Visa payWave™

  • Want added benefits including CIBC Convenience

  • Cheques and cash advances up to $1,000 a day

  • Want to save up to 25% on car rentals at participating Avis® and Budget® locations
Card Facts

Network:
Institution: CIBC
Type:

Fees & Interest

Purchase Interest Rate: 19.99%
Cash Advance Interest Rate: 22.99%
Balance Transfer Interest Rate: 22.99%
First Year Annual Fee: $0
Annual Fee After First Year: $0

Eligibility

Personal Income: $
Household Income: $
Credit Needed:

Home Trust Secured Visa

$0
no fee  
N/A 
 
N/A 
 
Net Rewards
$0
Show Offer Details
Offer Summary

  • Not available to residents of Quebec.

  • The Home Trust Secured Visa Card is a credit card that requires a security deposit for eligibility. Your credit limit is then set at the amount of the deposit. You can put down as little as $500, or as much as $10,000.

  • Make purchases over the phone or online

  • Plan and book a vacation

  • Access cash anytime, anywhere from over 1 million ATMs around the world displaying the Visa or Plus logo Shop at over 24 million locations worldwide

  • Applicants who have been discharged from Bankruptcy are eligible to apply at any time (Discharge Certificate may be requested)
  • ...
Card Facts

Network:
Institution: Home Trust
Type:

Fees & Interest

Purchase Interest Rate: 19.99%
Cash Advance Interest Rate: 19.99%
Balance Transfer Interest Rate: %
First Year Annual Fee: $0
Annual Fee After First Year: $0

Eligibility

Personal Income: $
Household Income: $
Credit Needed:

Desjardins Odyssey Gold Visa

$110
per year  
point per $1 
N/A 
 
Net Rewards
$70 Apply Now on Desjardins's
secure website
Show Offer Details
Offer Summary

  • Get 1% BONUSDOLLARS on all purchases

  • Exclusive advantage for Desjardins members: 20% more BONUSDOLLARS on BONUSDOLLARS accumulated annually and additional card for your spouse or other family member at no charge

  • A full complement of travel insurance up to 60 days

  • Mobile Device Insurance

  • Mobile Payment: pay for your purchases with a wave of your smartphone

  • Zero liability in case of fraudulent use of your card

  • Cash Advances up to $5,000 per day

  • Up to 20% hertz discount
Card Facts

Network:
Institution: Desjardins
Type:

Fees & Interest

Purchase Interest Rate: 19.9%
Cash Advance Interest Rate: 19.9%
Balance Transfer Interest Rate: 19.9%
First Year Annual Fee: $110
Annual Fee After First Year: $110

Eligibility

Personal Income: $
Household Income: $0
Credit Needed:

Desjardins Student Cash Back Visa

$0
no fee  
0.5 
point on all purchases 
1% 
cash back on some transactions 
Net Rewards
$90
Show Offer Details
Offer Summary

  • Get 1% cash back on contactless payment transactions and pre-authorized payments to service providers, and 0.5% on all your other purchases.

  • Card image personalization

  • Free access to your credit file

  • Mobile Payment: pay for your purchases with a wave of your smartphone

  • Zero liability in case of fraudulent use of your card

  • Up to 10% hertz discount

  • Cash advances up to $2,500 per day

  • Automatic account credit after $25 accumulated
Card Facts

Network:
Institution: Desjardins
Type:

Fees & Interest

Purchase Interest Rate: 19.9%
Cash Advance Interest Rate: 19.9%
Balance Transfer Interest Rate: 19.9%
First Year Annual Fee: $0
Annual Fee After First Year: $0

Eligibility

Personal Income: $
Household Income: $
Credit Needed:

Scotiabank VISA Business

$75
per year  
1% 
cash back on all purchases 
N/A 
 
Net Rewards
$105
Show Offer Details
Offer Summary

  • The annual fee for Scotiabank VISA Business Cards is based on the type of card (Gold or Silver) and the currency (CAD or USD) you select to suit your cardholder and business needs.

  • CAD Program Silver $75 CAD Gold $105 CAD

  • USD Program Silver $75 USD Gold $105 USD

  • With our Canadian dollar program, your business will receive up to 1% cash back annually per card based on spending levels. The cash goes directly into your Business Account. There's no limit to the rewards you can earn and how you spend the cash back is up to you.

  • The Scotiabank VISA Business Card program helps...
Card Facts

Network:
Institution: Scotiabank
Type:

Fees & Interest

Purchase Interest Rate: 19.8%
Cash Advance Interest Rate: 19.8%
Balance Transfer Interest Rate: 19.8%
First Year Annual Fee: $75
Annual Fee After First Year: $75

Eligibility

Personal Income: $
Household Income: $
Credit Needed:

ScotiaGold Passport® VISA

$110
per year  
point per $1 
5,000 
Bonus points 
Net Rewards
$120
Show Offer Details
Offer Summary

  • Earn 5,000 bonus points with your first card purchase

  • Travel anywhere, at any time of the year with no restrictions

  • Comprehensive travel protection and insurance

  • 5% cash back on travel purchased through Scotia Rewards, book online or by phone

  • Concierge Service

  • Merchandise, gift card and other rewards available
Card Facts

Network:
Institution: Scotiabank
Type:

Fees & Interest

Purchase Interest Rate: 19.99%
Cash Advance Interest Rate: 22.99%
Balance Transfer Interest Rate: 22.99%
First Year Annual Fee: $110
Annual Fee After First Year: $110

Eligibility

Personal Income: $35000
Household Income: $
Credit Needed: Very Good

Desjardins Elegance Gold Visa

$30
per year  
point per $1 
N/A 
 
Net Rewards
$150 Apply Now on Desjardins's
secure website
Show Offer Details
Offer Summary

  • Get 1% in BONUSDOLLARS on all purchases

  • Exclusive advantage for Desjardins members: additional card for your spouse or family member at no charge

  • Mobile Device Insurance

  • 3-Day Travel Insurance

  • Mobile Payment: pay for your purchases with a wave of your smartphone

  • Zero liability in case of fraudulent use of your card

  • Cash Advances up to $5,000 per day

  • Up to 20% hertz discount
Card Facts

Network:
Institution: Desjardins
Type:

Fees & Interest

Purchase Interest Rate: 19.9%
Cash Advance Interest Rate: 19.9%
Balance Transfer Interest Rate: 19.9%
First Year Annual Fee: $30
Annual Fee After First Year: $30

Eligibility

Personal Income: $15000
Household Income: $0
Credit Needed: Good

Scotia Momentum® No-Fee VISA

$0
no fee  
1% 
cash back on eligible purchases 
7.99% 
rate on purchases 1st 6 months 
Net Rewards
$153
Show Offer Details
Offer Summary

  • Get an introductory 7.99% on purchases for the first six months

  • Cash back on everyday spending with no annual fee 1% cash back on eligible gas station, grocery store and drug store purchases and recurring bill payments
  • 0.5% cash back on all other eligible everyday purchases

  • 20% AVIS rental card discount
Card Facts

Network:
Institution: Scotiabank
Type:

Fees & Interest

Purchase Interest Rate: 19.99%
Cash Advance Interest Rate: 21.99%
Balance Transfer Interest Rate: 21.99%
First Year Annual Fee: $0
Annual Fee After First Year: $0

Eligibility

Personal Income: $15000
Household Income: $
Credit Needed: Good

VISA Black Reward me

$42
per year  
point per $1 
2,500 
welcome points on 1st purchase 
Net Rewards
$163 Apply Now on Laurentian Bank's
secure website
Show Offer Details
Offer Summary

  • Only available for residents of Quebec and Ontario.
  • Welcome offer: Get 2,500 points with your first purchase.

  • 1 point for every dollar on other eligible purchases (1%)

  • Fee of $3.50 per month when the net monthly purchases are less than $350

  • Refer to site for terms and conditions.
Card Facts

Network:
Institution: Laurentian Bank
Type:

Fees & Interest

Purchase Interest Rate: 19.99%
Cash Advance Interest Rate: 21.99%
Balance Transfer Interest Rate: 21.99%
First Year Annual Fee: $42
Annual Fee After First Year: $42

Eligibility

Personal Income: $
Household Income: $0
Credit Needed:

RBC Signature Rewards Visa

$39
per year  
point per $1 
N/A 
 
Net Rewards
$166
Show Offer Details
Offer Summary

  • Earn 1 RBC Rewards point for every one dollar in purchases† you make with the card.

  • Earn bonus points§ when you shop online at the RBC Rewards eMall™.

  • Great for frequent shoppers who want to earn premium rewards and want premium benefits.

  • Redeem for gift cards, merchandise items, travel rewards, and RBC Financial Rewards® vouchers with rewards starting as low as 2,500 points!

  • Book travel rewards instantly. Only the RBC Rewards program has an online booking tool that's powered by Orbitz‡.

  • $39 Annual Fee Rebate is available for Student Banking1 and RBC Signature No Limit Banking account owners.
Card Facts

Network:
Institution: RBC Royal Bank
Type:

Fees & Interest

Purchase Interest Rate: 19.99%
Cash Advance Interest Rate: 21.99%
Balance Transfer Interest Rate: 21.99%
First Year Annual Fee: $39
Annual Fee After First Year: $39

Eligibility

Personal Income: $
Household Income: $
Credit Needed: None

TD® Aeroplan®Visa Infinite Privilege

$399
per year  
1.5 
points per $1 
25,000 
Miles on your 1st purchase 
Net Rewards
$171 Apply Now on TD's
secure website
Show Offer Details
Offer Summary

  • Receive a Welcome Bonus of 25,000 Aeroplan Miles with your first Purchase

  • Earn 1.5 miles for every $1 you charge to your Card at gas stations, grocery and drug stores, and on eligible Air Canada purchases

  • Earn 1.25 miles for every $1 you spend on all other Purchases on your Card

  • Earn miles twice when you pay with your TD Aeroplan Visa Infinite Privilege Card and present your Aeroplan Membership Card at participating retailers and the Aeroplan eStrore

  • Extensive suite of travel insurances

  • Air Canada® 5 benefits such as: Priority Check-in on Air Canada flights (Primary Cardholder) Priority Boarding on Air Canada flights (Primary...
Card Facts

Network:
Institution: TD
Type:

Fees & Interest

Purchase Interest Rate: 19.99%
Cash Advance Interest Rate: 22.99%
Balance Transfer Interest Rate: 22.99%
First Year Annual Fee: $399
Annual Fee After First Year: $399

Eligibility

Personal Income: $200000
Household Income: $200000
Credit Needed: Excellent

CIBC Dividend Visa

$0
no fee  
2% 
cash back on categories 
N/A 
 
Net Rewards
$180
Show Offer Details
Offer Summary

  • Earn 2% cash back on your first $6,000 in net annual grocery purchases

  • Earn 0.5% cash back on the first $6,000 in annual purchases

  • Earn 1% cash back on all other annual purchases over $6,000

  • No limit on the total cash back you can earn

  • Added benefit of replacements for lost, stolen or damaged items with Purchase Security and Extended Protection® Insurance
Card Facts

Network:
Institution: CIBC
Type:

Fees & Interest

Purchase Interest Rate: 19.99%
Cash Advance Interest Rate: 22.99%
Balance Transfer Interest Rate: 22.99%
First Year Annual Fee: $0
Annual Fee After First Year: $0

Eligibility

Personal Income: $15000
Household Income: $
Credit Needed: Good

Home Trust Preferred Visa

$0
no fee  
1% 
cash back on all purchases 
N/A 
 
Net Rewards
$180
Show Offer Details
Offer Summary

  • Earn 1% cash back with every purchase, with no limit in the amount you can earn.

  • This product is currently not available to residents of Quebec.

  • No annual fee

  • 0% foreign currency conversion charge on purchases abroad

  • Roadside Assistance at no extra cost.

  • Car Rental Collision Insurance and Purchase Security Insurance included
Card Facts

Network:
Institution: Home Trust
Type:

Fees & Interest

Purchase Interest Rate: 19.99%
Cash Advance Interest Rate: 19.99%
Balance Transfer Interest Rate: %
First Year Annual Fee: $0
Annual Fee After First Year: $0

Eligibility

Personal Income: $
Household Income: $
Credit Needed:

CIBC Tim Hortons Double Double Visa

$0
no fee  
point per $1 
1% 
Tim Cash for every $1 spent 
Net Rewards
$200 Apply Now on CIBC's
secure website
Show Offer Details
Offer Summary

  • Earn 1% back in Tim Cash for every dollar spent on purchases

  • Receive $20 in Tim Cash as a Welcome Bonus when you spend $200 anywhere

Card Facts

Network:
Institution: CIBC
Type:

Fees & Interest

Purchase Interest Rate: 19.99%
Cash Advance Interest Rate: 22.99%
Balance Transfer Interest Rate: 22.99%
First Year Annual Fee: $0
Annual Fee After First Year: $0

Eligibility

Personal Income: $
Household Income: $15000
Credit Needed:

TD® Aeroplan® Visa Platinum

$89
per year  
point per $1 
10,000 
signup Aeroplan Miles 
Net Rewards
$201 Apply Now on TD's
secure website
Show Offer Details
Offer Summary

  • Get up to 10,000 Aeroplan Miles1 with a TD Aeroplan Visa Platinum Card

  • Earn 1 mile for every $1 you spend on gas, grocery and drug store purchases using your Card

  • Earn 1 mile for every $1.50 you spend on all other purchases using your Card

  • Earn miles twice4 when you pay with your TD Aeroplan Visa Platinum Card and present your Aeroplan Membership Card at over 150 Aeroplan partner brands and with 100 online retailers through Aeroplan’s eStore. Visit aeroplan.com for a list of participating Aeroplan partners.

  • The protection of valuable insurances

  • No miles expiry as long as you are a Cardholder
...
Card Facts

Network:
Institution: TD
Type:

Fees & Interest

Purchase Interest Rate: 19.99%
Cash Advance Interest Rate: 22.99%
Balance Transfer Interest Rate: 22.99%
First Year Annual Fee: $89
Annual Fee After First Year: $89

Eligibility

Personal Income: $12000
Household Income: $0
Credit Needed: Very Good

TD Platinum Travel Visa

$99
per year  
point per $1 on Travel 
15,000 
TD Points on your 1st purchase  
Net Rewards
$246 Apply Now on TD's
secure website
Show Offer Details
Offer Summary

  • Earn a Welcome Bonus of 15,000 TD Points following your first purchase (that's worth $75 towards any travel)

  • Earn 3 TD Points for every $1 you spend on Purchases using your Card (equivalent to a 1.5% return on your purchase)

  • Earn 4 TD Points when you book travel over the phone through either Expedia® For TD (that's a 2% return on your travel purchases!)

  • Earn 6 TD Points when you book travel online through Expedia® For TD (that's a 3% return on your travel purchases!)
Card Facts

Network:
Institution: TD
Type:

Fees & Interest

Purchase Interest Rate: 19.99%
Cash Advance Interest Rate: 22.99%
Balance Transfer Interest Rate: 22.99%
First Year Annual Fee: $99
Annual Fee After First Year: $99

Eligibility

Personal Income: $
Household Income: $0
Credit Needed:

RBC Visa Infinite Avion

$120
per year  
1.25 
points per $1 
15,000  
Welcome Points 
Net Rewards
$259 Apply Now on RBC Royal Bank's
secure website
Show Offer Details
Offer Summary

  • Start Flying with 15,000 Welcome Points.

  • Earn 1 RBC Rewards point for every $1 spent using your card.

  • Earn 25% more on all travel related purchases (rental cars, hotels, etc.)

  • Earn bonus points when you shop online at the RBC Rewards eMallTM

  • Earn additional RBC Rewards points when you book travel with Carlson Wagonlit Travel‡ or rent a vehicle at any participating Thrifty Car Rental‡ locations in Canada RBC 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. Offer subject to change without notice.
Card Facts

Network:
Institution: RBC Royal Bank
Type:

Fees & Interest

Purchase Interest Rate: 19.99%
Cash Advance Interest Rate: 21.99%
Balance Transfer Interest Rate: 22.99%
First Year Annual Fee: $120
Annual Fee After First Year: $120

Eligibility

Personal Income: $60000
Household Income: $120000
Credit Needed: Excellent

Scotia Momentum® VISA

$39
per year  
2% 
cash back on eligible purchases 
2.99% 
rate on transfers 1st 6 months 
Net Rewards
$267
Show Offer Details
Offer Summary

  • Get an introductory 2.99% on Balance transfers for the first six months.

  • Cash back with low annual fee

  • 2% on eligible fas station, grocery store and drug store purchases, and reoccurring bill payments

  • 20% AVIS rental car discount
Card Facts

Network:
Institution: Scotiabank
Type:

Fees & Interest

Purchase Interest Rate: 19.99%
Cash Advance Interest Rate: 21.99%
Balance Transfer Interest Rate: 21.99%
First Year Annual Fee: $39
Annual Fee After First Year: $39

Eligibility

Personal Income: $15000
Household Income: $
Credit Needed: Good

CIBC Dividend Platinum VISA

$99
per year  
4% 
cash back on categories 
N/A 
 
Net Rewards
$279 Apply Now on CIBC's
secure website
Show Offer Details
Offer Summary

  • Earn 4% cash back at the gas station and grocery store

  • No limit on the total cash back you can earn

  • Earn 2% cash back at Tim Hortons® and TELUS® 1% cash back on all other purchases
Card Facts

Network:
Institution: CIBC
Type:

Fees & Interest

Purchase Interest Rate: 19.99%
Cash Advance Interest Rate: 22.99%
Balance Transfer Interest Rate: 22.99%
First Year Annual Fee: $99
Annual Fee After First Year: $99

Eligibility

Personal Income: $
Household Income: $15000
Credit Needed:

CIBC Dividend VISA Infinite

$99
per year  
2% 
cash back on categories 
N/A 
 
Net Rewards
$279 Apply Now on CIBC's
secure website
Show Offer Details
Offer Summary

  • Earn 4% cash back on gas and grocery purchases

  • Earn 2% cash back on Tim Hortons® and TELUS® purchases

  • Earn 1% cash back on all other purchases

  • Note:The 4% and 2% cash back offers are only available on the first $80,000 in net annual card purchases, or $20,000 on gas, grocery, TELUS or Tim Hortons purchases on your account— whichever comes first
Card Facts

Network:
Institution: CIBC
Type:

Fees & Interest

Purchase Interest Rate: 19.99%
Cash Advance Interest Rate: 22.99%
Balance Transfer Interest Rate: 22.99%
First Year Annual Fee: $99
Annual Fee After First Year: $99

Eligibility

Personal Income: $60000
Household Income: $100000
Credit Needed: Excellent

TD First Class Travel® Visa Infinite

$120
per year  
points per $1 
20,000 
TD Points on your 1st purchase 
Net Rewards
$300 Apply Now on TD's
secure website
Show Offer Details
Offer Summary

  • Receive a Welcome Bonus of 20,000 TD Points after your first Purchase

  • You could receive another 5,000 bonus TD Points if you keep your Account open, active and in good standing for 90 days after your Account is opened

  • You could earn another 5,000 bonus TD Points when you add an Authorized User to your Account by December 2

  • Earn 3 TD Points for every $1 spent on Purchases made using your Card

  • Earn 9 TD Points for every $1 spent on travel purchases made online through ExpediaForTD.com with your Card

  • TD Points can be redeemed to help pay for almost any travel expense...
Card Facts

Network:
Institution: TD
Type:

Fees & Interest

Purchase Interest Rate: 19.99%
Cash Advance Interest Rate: 22.99%
Balance Transfer Interest Rate: 22.99%
First Year Annual Fee: $120
Annual Fee After First Year: $120

Eligibility

Personal Income: $60000
Household Income: $100000
Credit Needed: Good

CIBC Aventura VISA Infinite

$120
per year  
point per $1 
15,000 
Aventura Points Welcome Bonus 
Net Rewards
$301 Apply Now on CIBC's
secure website
Show Offer Details
Offer Summary

  • 15,000 Aventura® Points Welcome Bonus after first purchase

  • Earn 1 Aventura Point for every $1 spent using your card

  • 1.5 Aventura Points for every $1 spent at gas stations, grocery stores and drug stores

  • Earn 2 Aventura Points when you purchase your trip through the CIBC Aventura Rewards Centre

  • Earn 3 Aventura Points for every $1 spent at participating CIBC Bonus Rewards restaurants, hotels, inns and spas

  • No black-out periods when redeeming points for travel on any airline

  • Earn travel rewards on all your purchases
  • Enjoy perks such as Avis® and Budget® car rental discounts

  • Enjoy Visa Infinite Exclusive Offers including, access...
Card Facts

Network:
Institution: CIBC
Type:

Fees & Interest

Purchase Interest Rate: 19.99%
Cash Advance Interest Rate: 22.99%
Balance Transfer Interest Rate: 22.99%
First Year Annual Fee: $120
Annual Fee After First Year: $120

Eligibility

Personal Income: $60000
Household Income: $100000
Credit Needed: Excellent

VISA EXPLORE

$110
per year  
points per $1 on bills 
11,000 
points on first 1K in 3 months 
Net Rewards
$312 Apply Now on Laurentian Bank's
secure website
Show Offer Details
Offer Summary

  • Only available for residents of Quebec and Ontario.

  • Get 2,500 points with your first purchase and 8,500 points when you charge $1,000 to your account within the first 3 months.

  • 3 points for every dollar on recurring payments (3%)

  • 2 points for every dollar on foreign currency purchases and transportation-related purchases (2%)

  • 1 point for every dollar on other eligible purchases (1%) Redeem your points for rewards, gift cards or travel credits (no booking restriction) : 10,000 points = $100 rebate on your trip

  • Comprehensive travel insurance included

  • Refer to site for terms and conditions. For Ontario/Quebec residents only.
Card Facts

Network:
Institution: Laurentian Bank
Type:

Fees & Interest

Purchase Interest Rate: 19.99%
Cash Advance Interest Rate: 21.99%
Balance Transfer Interest Rate: 21.99%
First Year Annual Fee: $110
Annual Fee After First Year: $110

Eligibility

Personal Income: $15000
Household Income: $0
Credit Needed:

CIBC Aerogold VISA Infinite

$120
per year  
point per $1 
15,000 
Aeroplan Miles Welcome Bonus 
Net Rewards
$315 Apply Now on CIBC's
secure website
Show Offer Details
Offer Summary

  • 15,000 Aeroplan Miles Welcome Bonus1 - That's enough for a short-haul flight in Economy class to select destinations

  • Earn 1 Aeroplan Mile for every $1 spent using your card

  • Earn 1.5 Aeroplan Miles for every $1 spent at gas stations, grocery stores, drug stores and on purchases at aircanada.com3 (excluding Air Canada Vacation packages)

  • Earn 3 times the Aeroplan Miles for every $1 spent at participating CIBC Bonus Rewards restaurants, hotels, inns and spas

  • Earn even more Aeroplan Miles at over 150 participating Aeroplan Partners, when you use your CIBC Aerogold Visa Infinite Card and present your Aeroplan Card

  • Vacation packages, car rentals, and...
Card Facts

Network:
Institution: CIBC
Type:

Fees & Interest

Purchase Interest Rate: 19.99%
Cash Advance Interest Rate: 22.99%
Balance Transfer Interest Rate: 22.99%
First Year Annual Fee: $120
Annual Fee After First Year: $120

Eligibility

Personal Income: $60000
Household Income: $100000
Credit Needed: Excellent

SCENE® Visa

$0
no fee  
point per $1 
2,000 
Bonus SCENE points 
Net Rewards
$320
Show Offer Details
Offer Summary

  • Earn 2,000 bonus points with your first $500 in everyday purchases in first 3 months

  • Redeem points for free movies at Cineplex Entertainment theatres, music and other entertainment rewards

  • Earn 5 Scene points for every $1 you spend on participating Cineplex Entertainment theatres or online at cineplex.com

  • Earn 1 point per dollar on everyday purchases

  • No annual fee

  • Estimated first year rewards on credit card account following approval and if all requirements for rewards are met
Card Facts

Network:
Institution: Scotiabank
Type:

Fees & Interest

Purchase Interest Rate: 19.99%
Cash Advance Interest Rate: 22.99%
Balance Transfer Interest Rate: 22.99%
First Year Annual Fee: $0
Annual Fee After First Year: $0

Eligibility

Personal Income: $3000
Household Income: $
Credit Needed: Good

TD® Aeroplan®Visa Infinite

$120
per year  
1.5 
points per $1 
15,000 
Miles on your 1st purchase 
Net Rewards
$330 Apply Now on TD's
secure website
Show Offer Details
Offer Summary

  • Receive a Welcome Bonus of 15,000 Aeroplan Miles with your first purchase

  • Earn miles twice when you pay with your TD Aeroplan Visa Infinite Card and present your Aeroplan Membership Card at participating retailers and the Aeroplan eStore. Earn 1.5 miles for every $1 spent on eligible gas, grocery, drugstore and aircanada.com purchases made with your Card

  • Earn 1 mile6 for every $1 you spend on all other purchases on your Card, when you pay with your TD Aeroplan Visa Infinite Card and present your Aeroplan Membership Card at over 150 Aeroplan partner brands and with 100 online retailers

  • Enjoy an extensive suite of travel insurances...
Card Facts

Network:
Institution: TD
Type:

Fees & Interest

Purchase Interest Rate: 19.99%
Cash Advance Interest Rate: 22.99%
Balance Transfer Interest Rate: 22.99%
First Year Annual Fee: $120
Annual Fee After First Year: $120

Eligibility

Personal Income: $60000
Household Income: $100000
Credit Needed: Excellent

VISA DOLLARS

$65
per year  
3% 
cash back on categories 
6% 
on categories for 1st 3 months 
Net Rewards
$367 Apply Now on Laurentian Bank's
secure website
Show Offer Details
Offer Summary

  • Only available for residents of Quebec and Ontario. Welcome offer: Welcome offer: Get 6% cashback on gas and groceries for the first 3 months (maximum of $120 cashback).

  • 3% on pre-authorized payments

  • 2% on groceries and gas

  • 1% on all other eligible purchases

  • No maximum cashback cap. Redeem your cashback as soon as you earn $25.

  • Purchase insurance and extended warranty.

  • Refer to site for terms and conditions. For Ontario/Quebec residents only.
Card Facts

Network:
Institution: Laurentian Bank
Type:

Fees & Interest

Purchase Interest Rate: 19.99%
Cash Advance Interest Rate: 21.99%
Balance Transfer Interest Rate: 21.99%
First Year Annual Fee: $65
Annual Fee After First Year: $65

Eligibility

Personal Income: $12000
Household Income: $0
Credit Needed:

Laurentian Bank Visa Infinite

$130
per year  
points per $1 
3,000 
points with your first purchase 
Net Rewards
$378 Apply Now on Laurentian Bank's
secure website
Show Offer Details
Offer Summary

  • Only available for residents of Quebec and Ontario. Welcome offer: Get 3,000 points with your first purchase and 10,000 points when you charge $1,000 to your account within the first 3 months.

  • 3 points for every dollar on pre-authorized payments (3%)

  • 2 points for every dollar on travel, gas, groceries, transportation-related purchases, and foreign currency purchases (2%)

  • 1 point for every dollar on all other eligible purchases (1%)

  • Redeem you points for cashback, rewards, gift cards or travel credits (no booking restriction) : 10,000 points = $100 cashback

  • Comprehensive travel insurance included

  • For Ontario/Quebec residents only.
Card Facts

Network:
Institution: Laurentian Bank
Type:

Fees & Interest

Purchase Interest Rate: 19.99%
Cash Advance Interest Rate: 21.99%
Balance Transfer Interest Rate: 2.99%
First Year Annual Fee: $130
Annual Fee After First Year: $130

Eligibility

Personal Income: $60000
Household Income: $100000
Credit Needed:

Scotia Momentum® Visa Infinite

$99
1st year free, $99 after  
4% 
cash back on categories 
N/A 
 
Net Rewards
$438
Show Offer Details
Offer Summary

  • 4% cash back on eligible gas station and grocery store purchases

  • 2% cash back on eligible drug store purchases and recurring bill payments

  • 1% cash back on all other eligible everyday purchases Annual fee waived for first year ($99 value)

  • VISA Infinite Complimentary Concierge Service - available 24/7

  • Access to VISA Infinite Luxury Hotel Collection.

  • VISA Infinite Dining Series - Unique dining experiences in some of Canada's top restaurants

  • Special access to unique offers and experiences

  • Subject to credit approval
Card Facts

Network:
Institution: Scotiabank
Type:

Fees & Interest

Purchase Interest Rate: 19.99%
Cash Advance Interest Rate: 22.99%
Balance Transfer Interest Rate: 22.99%
First Year Annual Fee: $0
Annual Fee After First Year: $99

Eligibility

Personal Income: $60000
Household Income: $
Credit Needed: Excellent