Rates
Credit cards
The published credit card catalogue, captured 2026-11-15. Each card's annual fee, interest rates and earn rates are printed in the source's own wording, and a source's own award or valuation of a card is printed as the source's, labelled with its name.
Basis of the catalogue, as recorded at capture: The credit card catalogue as published by Rates.ca and LowestRates.ca, captured 2026-11-15 by text fetch, and re-sourced on 2026-11-15 in the de-aggregation pass: for 21 of the remaining 28 cards the issuer's own product page is now the source of record (fees, interest and earn figures as the issuer prints them, held in rates-lender-card-issuers.json). Seven cards remain aggregator-sourced because no usable issuer page could be captured; each is named in the gaps of rates-lender-card-issuers.json. The HSBC +Rewards Mastercard was removed: its issuer left Canada in March 2024.
No referral links are live on this page yet. When a referral program approves this site, its link appears beside the entry, labelled as a referral link in plain words.
American Express Cobalt Card
American Express
Fees and interest as published: Annual fee $15.99 per month for non-Quebec residents, which equals $191.88 per year, and $191.88 per year for Quebec residents. No annual fee on additional cards. Interest 21.99% on purchases, 21.99% on funds advances.
Earn 5 Membership Rewards points per $1 on eats and drinks, 3 points per $1 on streaming subscriptions, 2 points per $1 on gas, transit and ride share, and 1 point per $1 on everything else, plus 1 additional point per $1 on hotel or car rental bookings through Amex Travel Online. Welcome offer: 1,250 points in each monthly billing period in which $750 is spent during the first year, up to 15,000 points.
Source: American Express Cobalt® Card | American Express Canada | As of 2026-11-15
RBC Avion Visa Infinite Card
RBC Royal Bank
Fees and interest as published: Annual fee $120, additional card $50. Interest 20.99% on purchases, 22.99% on cash advances.
Earn 1.25 Avion points per $1 on travel related purchases and 1 point per $1 on all other eligible purchases. Minimum income $60,000 personal or $100,000 household. Offer: up to 70,000 Avion points, a travel value of up to $1,500, for applications by November 25, 2026.
Source: RBC Avion Visa Infinite | As of 2026-11-15
Scotiabank Gold American Express Card
Scotiabank
Fees and interest as published: Annual fee $120, $29 for each additional card. Interest 21.99% on purchases, 22.99% on cash advances including balance transfers.
Earn 6 Scene+ points per $1 at Sobeys family grocery stores, 5 points per $1 on other grocery, dining and entertainment, 3 points per $1 on gas, transit and select streaming services, and 1 point per $1 on all other purchases, with the accelerated rates applying to the first $50,000 spent annually. No foreign transaction fees. Welcome offer for accounts opened November 2, 2026 to January 3, 2027: up to 65,000 bonus Scene+ points, 40,000 for $2,000 in eligible purchases in the first 3 months and 25,000 for $7,500 in the first year.
Source: Scotiabank Gold American Express® Card | Scotiabank Canada | As of 2026-11-15
MBNA True Line Mastercard
MBNA
Fees and interest as published: Annual fee $0. Interest 12.99% on purchases, 17.99% on balance transfers, 24.99% on cash advances.
Welcome offer: 0% promotional annual interest rate for 12 months on balance transfers completed within 90 days of account opening. Captured from MBNA's balance transfer card listing page, which publishes this card's fee and rates.
Source: Find the Best Balance Transfer Credit Card For You | MBNA Canada | As of 2026-11-15
Scotiabank Platinum American Express Card
Scotiabank
Fees and interest as published: Annual fee $399, supplementary cards $99 per year. Interest 9.99% on purchases, 9.99% on cash advances including balance transfers. Minimum credit limit $10,000.
Earn 2 Scene+ points per $1 on all eligible purchases. No foreign transaction fees, and 10 complimentary airport lounge visits. Offer for accounts opened November 2, 2026 to July 1, 2027: up to 80,000 bonus Scene+ points, presented as up to $2,800 in value in the first 14 months, made up of 45,000 points for $5,000 spent in 6 months, 25,000 more for $10,000 in 12 months, and 10,000 more for a purchase in month 14.
Source: Scotiabank Platinum Amex | Luxury Travel Rewards | Scotiabank Canada | As of 2026-11-15
BMO CashBack World Elite Mastercard
BMO
Fees and interest as published: Annual fee $139.00, $50.00 per additional card. Interest 21.99% on purchases, fees and other charges, and 23.99% on cash advances and balance transfers, 21.99% on cash advances and balance transfers for Quebec residents.
Figures are from BMO's own disclosure document, Important information about BMO Credit Cards, with charges valid as of November 2, 2026. The disclosure publishes standard rates for all BMO Mastercard and Visa cards other than the BMO Preferred Rate Mastercard, a 2.50% foreign currency conversion markup, and an interest free grace period of at least 21 days on new purchases when the balance is paid in full. The disclosure does not publish earn rates.
Source: Important information about BMO Credit Cards | As of 2026-11-15
Tangerine Money-Back World Mastercard
Tangerine
Fees and interest as published: Annual fee $0. Interest 20.95% on purchases, 22.95% on cash advances.
Rates.ca 2026 winner: Best No-Fee Cash Back Credit Card. Welcome bonus valued at $120 in Money-Back Rewards; annual rewards $309; first year value $409. Earn 2% cash back on purchases in up to three categories of your choice. Rates.ca CashSurge style bonus printed on the card block: Get a $75 Cash Bonus from Rates.ca, offer ends November 30, 2026. Credit score required as printed: Good.
Source: Best Credit Cards of 2026 in Canada, Rates.ca | As of 2026-11-15
MBNA Rewards Platinum Plus Mastercard
MBNA
Fees and interest as published: Annual fee $0. Interest 21.99% on purchases, 22.99% on balance transfers, 22.99% on cash advances.
Welcome offer as published on the product page: earn 4 points per $1 on eligible restaurant, grocery, digital media, membership and household utility purchases until $10,000 is spent annually, plus up to 10,000 bonus points, 5,000 after $500 or more in eligible purchases in the first 90 days and 5,000 for enrolling in paperless e-statements in the first 90 days. Annual birthday bonus points. Points do not expire while the account is open and in good standing. Mobile device insurance up to $1,000.
Source: MBNA Rewards Platinum Plus® Mastercard® | As of 2026-11-15
Neo Secured Mastercard
Neo Financial
Fees and interest as published: Monthly fee $9.99, additional cardholder fee $0. Interest 19.99% to 29.99% on purchases. The fetched page did not print a cash advance rate.
Guaranteed instant approval with no credit score required and no hard credit check to pre-qualify, and no minimum income. Deposit $50 or more into a Neo Everyday account to set the credit limit, with the security fund fully refundable. Get $25 when approved, and earn up to 15% cash back with Neo partners.
Source: Secured Neo Mastercard | As of 2026-11-15
CIBC Aventura Visa Card for Students
CIBC
Fees and interest as published: Annual fee $0. Interest 21.99% on purchases, 22.99% on cash advances for non-Quebec residents and 21.99% for Quebec residents.
Earn 1 Aventura point per $1 on eligible travel booked through the CIBC Rewards Centre and 1 point per $1 on eligible gas, EV charging, grocery and drugstore purchases, with up to 12,500 Aventura Points available to earn and a free SPC+ membership. Capture note: the fetched page showed this card with the same internal rate code as the CIBC Aventura Visa Card, and the rates above are the ones printed for that card in the search indexed text of the same CIBC page on 2026-11-15.
Source: Compare and Find the Best CIBC Travel Cards in Canada for You | CIBC | As of 2026-11-15
CIBC Dividend Visa Infinite Card
CIBC
Fees and interest as published: Annual fee $120, rebated for the first year, and $50 each for up to 3 additional cards, also rebated for the first year. Interest 21.99% on purchases, 22.99% on cash advances for non-Quebec residents and 21.99% for Quebec residents.
Earn 4% cash back on eligible gas, EV charging and grocery purchases, 2% on transportation, dining, recurring payments and eligible travel booked through CIBC by Expedia, and 1% on everything else, with no limit on total cash back earned and redemption from $10. Capture note: the fetched page rendered its interest rates as dynamic placeholders, so the rates above are the ones printed in the search indexed text of the same CIBC page on 2026-11-15; the fee and earn figures come from the fetched page itself.
Source: Apply for the Dividend Visa Infinite Credit Card | CIBC | As of 2026-11-15
BMO eclipse Visa Infinite Card
BMO
Fees and interest as published: Annual fee $120.00, $50.00 per additional card. Interest 21.99% on purchases, fees and other charges, and 23.99% on cash advances and balance transfers, 21.99% on cash advances and balance transfers for Quebec residents.
Figures are from BMO's own disclosure document, Important information about BMO Credit Cards, with charges valid as of November 2, 2026. The disclosure publishes standard rates for all BMO Mastercard and Visa cards other than the BMO Preferred Rate Mastercard, a 2.50% foreign currency conversion markup, and an interest free grace period of at least 21 days on new purchases when the balance is paid in full. The disclosure does not publish earn rates.
Source: Important information about BMO Credit Cards | As of 2026-11-15
KOHO Essential Mastercard Prepaid Card
KOHO
Fees and interest as published: Essential plan $0 per month when the plan's free condition is met, as printed in KOHO's plan table with an asterisked condition. The card is a prepaid Mastercard, so no purchase interest rate applies.
KOHO's plan table lists the Essential plan at $0 per month on its stated condition, earning 1% unlimited cash back on groceries, transportation, food and drinks, and 2% interest on the balance. The fetched KOHO landing page describes one prepaid Mastercard with up to 2% cash back on everyday spending and up to 3.5% interest on the balance across its plans.
Source: KOHO: One place for your money and life | As of 2026-11-15
BMO CashBack Mastercard
BMO
Fees and interest as published: Annual fee $0. Interest 21.99% on purchases, 23.99% on cash advances.
Rates.ca 2026 winner: Best Credit Card for Newcomers to Canada. Welcome bonus valued at $100 in cash back rewards; annual rewards $288; first year value $388. Earn 5% cash back in the first three months, then 3% on grocery purchases, 1% on recurring bill payments and 0.5% unlimited cash back on all other purchases. Introductory balance transfer rate 0.99% for nine months with a 2% transfer fee. Credit score required as printed: Good.
Source: Best Credit Cards of 2026 in Canada, Rates.ca | As of 2026-11-15
MBNA Rewards World Elite Mastercard
MBNA
Fees and interest as published: Annual fee $120, $50 for an additional card. Interest 21.99% on purchases, 22.99% on balance transfers, 22.99% on cash advances.
Welcome offer: earn up to 30,000 bonus MBNA Rewards Points. Captured from MBNA's rewards card listing page, which publishes the fee, the rates and the welcome offer but does not print ongoing earn rates.
Source: Find the Best Rewards Credit Card For You – MBNA Canada | As of 2026-11-15
CIBC Aventura Visa Infinite Card
CIBC
Fees and interest as published: Annual fee $139, rising to $159 on January 12, 2027 according to the search indexed text of the same CIBC page. Interest 21.99% on purchases, 22.99% on cash advances for non-Quebec residents and 21.99% for Quebec residents.
Earn 2 Aventura points per $1 on eligible travel booked through the CIBC Rewards Centre (CIBC by Expedia) and 1.5 points per $1 on eligible gas, EV charging, grocery and drugstore purchases. Lounge access, a NEXUS application fee rebate and Visa concierge are listed, and CIBC presents the current offer as up to $1,900 in value. Capture note: the fetched page rendered its interest rates as dynamic placeholders, so the rates above are from the search indexed text of the same CIBC page on 2026-11-15; the fee and earn figures come from the fetched page itself.
Source: Compare and Find the Best CIBC Travel Cards in Canada for You | CIBC | As of 2026-11-15
TD Aeroplan Visa Infinite Card
TD
Fees and interest as published: Annual fee $139. Interest 21.99% on purchases, 22.99% on cash advances.
Offer as printed on TD's card listing page: up to $1,550 in value including up to 50,000 Aeroplan points, plus an annual fee rebate for the first year. The listing page does not print earn rates.
Source: Best TD Credit Cards in Canada | TD Canada Trust | As of 2026-11-15
President's Choice Financial World Elite Mastercard
President's Choice Financial
Fees and interest as published: Annual fee $0. Interest 21.99% on purchases, 22.97% on cash advances, 21.97% on cash advances in Quebec.
Earn 4.5% back in PC Optimum points at Shoppers Drug Mart and Pharmaprix, 3% back in points at participating grocery stores, at least 3 cents per litre back in points at Esso and Mobil stations, and 1% back in points on dining, transit and everywhere else, with no caps on points earning. One application matches the applicant with the best no annual fee PC Mastercard based on eligibility, and the page states a minimum $50,000 to $80,000 personal or $80,000 to $150,000 household annual income depending on the card matched.
Source: All PC® Financial Credit Cards | PC Financial | As of 2026-11-15
Scotia Momentum Visa Infinite Card
Scotiabank
Fees and interest as published: Annual fee $120 per year, waived for the first year under the special offer, supplementary cards $50 per year. Interest 20.99% on purchases, 22.99% on cash advances. Minimum credit limit $5,000.
Earn 4% cash back on grocery and recurring payments on the first $25,000 spent annually, 2% on gas, EV charging, transit, rideshare and food delivery on the first $25,000 spent annually, and 1% on everything else. Offer from November 2, 2026 to April 30, 2027: 10% cash back on the first $2,000 in the first 3 months, an introductory 0% balance transfer rate for 12 months with a 2% fee, and a first year annual fee waiver.
Source: Scotia Momentum® Visa Infinite +* Card | Scotiabank Canada | As of 2026-11-15
Home Trust Secured Visa
Home Trust
Fees and interest as published: Fees and interest rates not printed in the captured hub text.
LowestRates.ca hub top pick for both Secured and Guaranteed categories (required credit score printed as NA). Rates.ca provider top pick table lists the Home Trust Secured Visa Card with required credit score Fair and the feature note that keeping up with card payments improves the credit score. A secured card requiring a deposit that typically sets the credit limit.
Source: Compare the Best Credit Cards in Canada, LowestRates.ca (credit card hub) | As of 2026-11-15
Tangerine Money-Back Credit Card
Tangerine
Fees and interest as published: Fees and interest rates not printed in the captured hub text.
LowestRates.ca hub top pick for the No-Fee category. Required credit score as printed: Fair. Distinct listing from the Tangerine Money-Back World Mastercard ranked on Rates.ca.
Source: Compare the Best Credit Cards in Canada, LowestRates.ca (credit card hub) | As of 2026-11-15
MBNA True Line Gold Mastercard
MBNA
Fees and interest as published: Annual fee $39. Interest 10.99% on purchases, 13.99% on balance transfers, 24.99% on cash advances.
MBNA presents this as its lowest rate card. Captured from MBNA's balance transfer card listing page, which publishes this card's fee and rates.
Source: Find the Best Balance Transfer Credit Card For You | MBNA Canada | As of 2026-11-15
BMO CashBack Mastercard for Students
BMO
Fees and interest as published: Fees and interest rates not printed in the captured hub text.
LowestRates.ca hub top pick for the Student category. Required credit score as printed: Good.
Source: Compare the Best Credit Cards in Canada, LowestRates.ca (credit card hub) | As of 2026-11-15
American Express Business Gold Rewards Card
American Express
Fees and interest as published: Fees and interest rates not printed in the captured hub text.
LowestRates.ca hub top pick for the Business category. Required credit score as printed: Good.
Source: Compare the Best Credit Cards in Canada, LowestRates.ca (credit card hub) | As of 2026-11-15
BMO U.S. Dollar Mastercard
BMO
Fees and interest as published: Annual fee US$49.00, with no fee shown for additional cards. Interest 21.99% on purchases, fees and other charges, and 23.99% on cash advances and balance transfers, 21.99% on cash advances and balance transfers for Quebec residents. Fees and charges for BMO U.S. Dollar Mastercard cards are in U.S. dollars.
Figures are from BMO's own disclosure document, Important information about BMO Credit Cards, with charges valid as of November 2, 2026. The disclosure publishes standard rates for all BMO Mastercard and Visa cards other than the BMO Preferred Rate Mastercard, a 2.50% foreign currency conversion markup, and an interest free grace period of at least 21 days on new purchases when the balance is paid in full. The disclosure does not publish earn rates.
Source: Important information about BMO Credit Cards | As of 2026-11-15
The Marriott Bonvoy American Express Card
American Express
Fees and interest as published: Annual fee $120, increasing to $150 for annual fees charged on or after February 9, 2027. No annual fee on additional cards. Interest 21.99% on purchases, 21.99% on funds advances.
Earn 5 Marriott Bonvoy points per $1 on eligible purchases at hotels participating in Marriott Bonvoy and 2 points per $1 on all other purchases. Welcome offer as published on the campaign page: 40,000 points after $1,500 in net purchases in the first 3 months, 10,000 more points for a purchase made between months 15 and 17, and a $100 statement credit on the first purchase. Annual Free Night Award each year after the account anniversary, automatic Marriott Bonvoy Silver Elite status, and 15 Elite Night Credits each calendar year.
Source: Marriott Bonvoy® American Express® Card | Campaigns | American Express Canada | As of 2026-11-15
L'earn Visa
Desjardins
Fees and interest as published: Fees and interest rates not printed in the captured page text.
Named in the LowestRates.ca rewards category page prose as a no fee rewards card that is better for low annual spend, alongside the Scotia Momentum No-Fee. No card block is published in the captured text.
Source: Rewards Credit Cards, LowestRates.ca | As of 2026-11-15
Scotia Momentum No-Fee Visa
Scotiabank
Fees and interest as published: No annual fee for the primary card or for additional cards. Interest 20.99% on purchases, 22.99% on cash advances.
Earn 1% cash back on grocery, gas, EV charging, transit, rideshare, food delivery, drugstore and recurring bill payment purchases on the first $15,000 spent annually, and 0.5% on everything else. Offer from November 2, 2026 to April 30, 2027: 5% cash back on the first $2,000 in the first 3 months and an introductory 0.99% balance transfer rate for 9 months with a 2% fee.
Source: Scotia Momentum No-Fee Visa Card | Scotiabank Canada | As of 2026-11-15
How to choose from a catalogue like this
Four numbers decide what a card is worth, and the catalogue prints all four for every card. The annual fee is the only certain figure in the set, and it is worth paying only when the earn rate, applied to spending the holder actually does, clears it with room to spare. The earn rate is worth reading by category rather than by headline, because the generous multiples live in categories like groceries, dining and gas while everything else often earns the base rate, and a card whose bonus categories match a household's real spending beats a card with a higher headline and the wrong categories. The welcome bonus is usually the largest figure attached to a card in its first year, and its conditions, the spending required and the deadline for spending it, are printed in each card's conditions, where they deserve more attention than the bonus itself. The interest rate matters only to a balance that gets carried, and at the rates printed here it outruns any earn rate within a few months, which is why a rewards card and a carried balance should never live in the same wallet, and why a household carrying a balance should be shopping the low-rate rows of this catalogue rather than the rewards rows.
Our own ranking of this catalogue, computed at a stated spending pattern under a published method, is in preparation. Until it can be printed with its method beside it, this page stays a record rather than a verdict, and the verdicts printed in the cards above remain the sources' own.
All published credit card rate rows
| Institution | Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|---|
| American Express | Credit card | American Express Cobalt Card | Annual fee $15.99 per month for non-Quebec residents, which equals $191.88 per year, and $191.88 per year for Quebec residents. No annual fee on additional cards. Interest 21.99% on purchases, 21.99% on funds advances. | Earn 5 Membership Rewards points per $1 on eats and drinks, 3 points per $1 on streaming subscriptions, 2 points per $1 on gas, transit and ride share, and 1 point per $1 on everything else, plus 1 additional point per $1 on hotel or car rental bookings through Amex Travel Online. Welcome offer: 1,250 points in each monthly billing period in which $750 is spent during the first year, up to 15,000 points. | American Express Cobalt® Card | American Express Canada | 2026-11-15 |
| American Express | Credit card | Marriott Bonvoy American Express Card | Annual fee $120, increasing to $150 for annual fees charged on or after February 9, 2027. No annual fee on additional cards. Interest 21.99% on purchases, 21.99% on funds advances. | Earn 5 Marriott Bonvoy points per $1 on eligible purchases at hotels participating in Marriott Bonvoy and 2 points per $1 on all other purchases. Welcome offer as published on the campaign page: 40,000 points after $1,500 in net purchases in the first 3 months, 10,000 more points for a purchase made between months 15 and 17, and a $100 statement credit on the first purchase. Annual Free Night Award each year after the account anniversary, automatic Marriott Bonvoy Silver Elite status, and 15 Elite Night Credits each calendar year. | Marriott Bonvoy® American Express® Card | Campaigns | American Express Canada | 2026-11-15 |
| American Express | Credit card | SimplyCash Preferred Card from American Express | 21.99% interest rate; Rewards rate 2%-4% | Annual fee $119.88; Intro offer Up to $250 | Best Credit Cards in Canada | 2026-11-14 |
| BMO | Credit card | BMO CashBack World Elite Mastercard | Annual fee $139.00, $50.00 per additional card. Interest 21.99% on purchases, fees and other charges, and 23.99% on cash advances and balance transfers, 21.99% on cash advances and balance transfers for Quebec residents. | Figures are from BMO's own disclosure document, Important information about BMO Credit Cards, with charges valid as of November 2, 2026. The disclosure publishes standard rates for all BMO Mastercard and Visa cards other than the BMO Preferred Rate Mastercard, a 2.50% foreign currency conversion markup, and an interest free grace period of at least 21 days on new purchases when the balance is paid in full. The disclosure does not publish earn rates. | Important information about BMO Credit Cards | 2026-11-15 |
| BMO | Credit card | BMO eclipse Visa Infinite Card | Annual fee $120.00, $50.00 per additional card. Interest 21.99% on purchases, fees and other charges, and 23.99% on cash advances and balance transfers, 21.99% on cash advances and balance transfers for Quebec residents. | Figures are from BMO's own disclosure document, Important information about BMO Credit Cards, with charges valid as of November 2, 2026. The disclosure publishes standard rates for all BMO Mastercard and Visa cards other than the BMO Preferred Rate Mastercard, a 2.50% foreign currency conversion markup, and an interest free grace period of at least 21 days on new purchases when the balance is paid in full. The disclosure does not publish earn rates. | Important information about BMO Credit Cards | 2026-11-15 |
| BMO | Credit card | BMO U.S. Dollar Mastercard | Annual fee US$49.00, with no fee shown for additional cards. Interest 21.99% on purchases, fees and other charges, and 23.99% on cash advances and balance transfers, 21.99% on cash advances and balance transfers for Quebec residents. Fees and charges for BMO U.S. Dollar Mastercard cards are in U.S. dollars. | Figures are from BMO's own disclosure document, Important information about BMO Credit Cards, with charges valid as of November 2, 2026. The disclosure publishes standard rates for all BMO Mastercard and Visa cards other than the BMO Preferred Rate Mastercard, a 2.50% foreign currency conversion markup, and an interest free grace period of at least 21 days on new purchases when the balance is paid in full. The disclosure does not publish earn rates. | Important information about BMO Credit Cards | 2026-11-15 |
| CIBC | Credit card | CIBC Adapta™ Mastercard® | $0 | Annual fee | Best Credit Cards in Canada | |
| CIBC | Credit card | CIBC Aventura Visa Card for Students | Annual fee $0. Interest 21.99% on purchases, 22.99% on cash advances for non-Quebec residents and 21.99% for Quebec residents. | Earn 1 Aventura point per $1 on eligible travel booked through the CIBC Rewards Centre and 1 point per $1 on eligible gas, EV charging, grocery and drugstore purchases, with up to 12,500 Aventura Points available to earn and a free SPC+ membership. Capture note: the fetched page showed this card with the same internal rate code as the CIBC Aventura Visa Card, and the rates above are the ones printed for that card in the search indexed text of the same CIBC page on 2026-11-15. | Compare and Find the Best CIBC Travel Cards in Canada for You | CIBC | 2026-11-15 |
| CIBC | Credit card | CIBC Aventura Visa Infinite Card | Annual fee $139, rising to $159 on January 12, 2027 according to the search indexed text of the same CIBC page. Interest 21.99% on purchases, 22.99% on cash advances for non-Quebec residents and 21.99% for Quebec residents. | Earn 2 Aventura points per $1 on eligible travel booked through the CIBC Rewards Centre (CIBC by Expedia) and 1.5 points per $1 on eligible gas, EV charging, grocery and drugstore purchases. Lounge access, a NEXUS application fee rebate and Visa concierge are listed, and CIBC presents the current offer as up to $1,900 in value. Capture note: the fetched page rendered its interest rates as dynamic placeholders, so the rates above are from the search indexed text of the same CIBC page on 2026-11-15; the fee and earn figures come from the fetched page itself. | Compare and Find the Best CIBC Travel Cards in Canada for You | CIBC | 2026-11-15 |
| CIBC | Credit card | CIBC Dividend Visa Infinite Card | Annual fee $120, rebated for the first year, and $50 each for up to 3 additional cards, also rebated for the first year. Interest 21.99% on purchases, 22.99% on cash advances for non-Quebec residents and 21.99% for Quebec residents. | Earn 4% cash back on eligible gas, EV charging and grocery purchases, 2% on transportation, dining, recurring payments and eligible travel booked through CIBC by Expedia, and 1% on everything else, with no limit on total cash back earned and redemption from $10. Capture note: the fetched page rendered its interest rates as dynamic placeholders, so the rates above are the ones printed in the search indexed text of the same CIBC page on 2026-11-15; the fee and earn figures come from the fetched page itself. | Apply for the Dividend Visa Infinite Credit Card | CIBC | 2026-11-15 |
| Home Trust | Credit card | Home Trust Preferred Visa | 21.99% purchase; 1% cash back on all Canadian purchases | Annual Fee: $0 | The best no foreign transaction fee credit cards in Canada | 2026-11-14 |
| KOHO | Credit card | KOHO Essential Mastercard Prepaid | Essential plan $0 per month when the plan's free condition is met, as printed in KOHO's plan table with an asterisked condition. The card is a prepaid Mastercard, so no purchase interest rate applies. | KOHO's plan table lists the Essential plan at $0 per month on its stated condition, earning 1% unlimited cash back on groceries, transportation, food and drinks, and 2% interest on the balance. The fetched KOHO landing page describes one prepaid Mastercard with up to 2% cash back on everyday spending and up to 3.5% interest on the balance across its plans. | KOHO: One place for your money and life | 2026-11-15 |
| MBNA | Credit card | MBNA Rewards Platinum Plus Mastercard | Annual fee $0. Interest 21.99% on purchases, 22.99% on balance transfers, 22.99% on cash advances. | Welcome offer as published on the product page: earn 4 points per $1 on eligible restaurant, grocery, digital media, membership and household utility purchases until $10,000 is spent annually, plus up to 10,000 bonus points, 5,000 after $500 or more in eligible purchases in the first 90 days and 5,000 for enrolling in paperless e-statements in the first 90 days. Annual birthday bonus points. Points do not expire while the account is open and in good standing. Mobile device insurance up to $1,000. | MBNA Rewards Platinum Plus® Mastercard® | 2026-11-15 |
| MBNA | Credit card | MBNA Rewards World Elite Mastercard | Annual fee $120, $50 for an additional card. Interest 21.99% on purchases, 22.99% on balance transfers, 22.99% on cash advances. | Welcome offer: earn up to 30,000 bonus MBNA Rewards Points. Captured from MBNA's rewards card listing page, which publishes the fee, the rates and the welcome offer but does not print ongoing earn rates. | Find the Best Rewards Credit Card For You – MBNA Canada | 2026-11-15 |
| MBNA | Credit card | MBNA True Line Mastercard Promotional | Annual fee $0. Interest 12.99% on purchases, 17.99% on balance transfers, 24.99% on cash advances. | Welcome offer: 0% promotional annual interest rate for 12 months on balance transfers completed within 90 days of account opening. Captured from MBNA's balance transfer card listing page, which publishes this card's fee and rates. | Find the Best Balance Transfer Credit Card For You | MBNA Canada | 2026-11-15 |
| MBNA | Credit card | MBNA True Line Gold Mastercard | Annual fee $39. Interest 10.99% on purchases, 13.99% on balance transfers, 24.99% on cash advances. | MBNA presents this as its lowest rate card. Captured from MBNA's balance transfer card listing page, which publishes this card's fee and rates. | Find the Best Balance Transfer Credit Card For You | MBNA Canada | 2026-11-15 |
| Meridian | Credit card | Meridian Visa Infinite Travel Rewards | 19.5% on purchases; Rewards: 1.5 to 3 Points per dollar | Annual fee: $99; Welcome offer: Get 7,000 bonus points when opening any new Meridian Visa card | The best no foreign transaction fee credit cards in Canada | 2026-11-14 |
| Neo Financial | Credit card | Neo Secured Mastercard | Monthly fee $9.99, additional cardholder fee $0. Interest 19.99% to 29.99% on purchases. The fetched page did not print a cash advance rate. | Guaranteed instant approval with no credit score required and no hard credit check to pre-qualify, and no minimum income. Deposit $50 or more into a Neo Everyday account to set the credit limit, with the security fund fully refundable. Get $25 when approved, and earn up to 15% cash back with Neo partners. | Secured Neo Mastercard | 2026-11-15 |
| President's Choice Financial | Credit card | PC World Elite Mastercard | Annual fee $0. Interest 21.99% on purchases, 22.97% on cash advances, 21.97% on cash advances in Quebec. | Earn 4.5% back in PC Optimum points at Shoppers Drug Mart and Pharmaprix, 3% back in points at participating grocery stores, at least 3 cents per litre back in points at Esso and Mobil stations, and 1% back in points on dining, transit and everywhere else, with no caps on points earning. One application matches the applicant with the best no annual fee PC Mastercard based on eligibility, and the page states a minimum $50,000 to $80,000 personal or $80,000 to $150,000 household annual income depending on the card matched. | All PC® Financial Credit Cards | PC Financial | 2026-11-15 |
| RBC Royal Bank | Credit card | RBC Avion Visa Infinite Card | Annual fee $120, additional card $50. Interest 20.99% on purchases, 22.99% on cash advances. | Earn 1.25 Avion points per $1 on travel related purchases and 1 point per $1 on all other eligible purchases. Minimum income $60,000 personal or $100,000 household. Offer: up to 70,000 Avion points, a travel value of up to $1,500, for applications by November 25, 2026. | RBC Avion Visa Infinite | 2026-11-15 |
| Rogers | Credit card | Rogers Red World Elite Mastercard | 25.99% on purchases; Rewards: 1.5% to 3% cash back | Annual fee: $0; Welcome offer: None at this time | The best rewards credit cards in Canada for 2025 | 2026-11-14 |
| Scotiabank | Credit card | Scotiabank Gold American Express Card | Annual fee $120, $29 for each additional card. Interest 21.99% on purchases, 22.99% on cash advances including balance transfers. | Earn 6 Scene+ points per $1 at Sobeys family grocery stores, 5 points per $1 on other grocery, dining and entertainment, 3 points per $1 on gas, transit and select streaming services, and 1 point per $1 on all other purchases, with the accelerated rates applying to the first $50,000 spent annually. No foreign transaction fees. Welcome offer for accounts opened November 2, 2026 to January 3, 2027: up to 65,000 bonus Scene+ points, 40,000 for $2,000 in eligible purchases in the first 3 months and 25,000 for $7,500 in the first year. | Scotiabank Gold American Express® Card | Scotiabank Canada | 2026-11-15 |
| Scotiabank | Credit card | Scotia Momentum No-Fee Visa Card Promotional | No annual fee for the primary card or for additional cards. Interest 20.99% on purchases, 22.99% on cash advances. | Earn 1% cash back on grocery, gas, EV charging, transit, rideshare, food delivery, drugstore and recurring bill payment purchases on the first $15,000 spent annually, and 0.5% on everything else. Offer from November 2, 2026 to April 30, 2027: 5% cash back on the first $2,000 in the first 3 months and an introductory 0.99% balance transfer rate for 9 months with a 2% fee. | Scotia Momentum No-Fee Visa Card | Scotiabank Canada | 2026-11-15 |
| Scotiabank | Credit card | Scotia Momentum Visa Infinite Card Promotional | Annual fee $120 per year, waived for the first year under the special offer, supplementary cards $50 per year. Interest 20.99% on purchases, 22.99% on cash advances. Minimum credit limit $5,000. | Earn 4% cash back on grocery and recurring payments on the first $25,000 spent annually, 2% on gas, EV charging, transit, rideshare and food delivery on the first $25,000 spent annually, and 1% on everything else. Offer from November 2, 2026 to April 30, 2027: 10% cash back on the first $2,000 in the first 3 months, an introductory 0% balance transfer rate for 12 months with a 2% fee, and a first year annual fee waiver. | Scotia Momentum® Visa Infinite +* Card | Scotiabank Canada | 2026-11-15 |
| Scotiabank | Credit card | Scotiabank Platinum American Express Card | Annual fee $399, supplementary cards $99 per year. Interest 9.99% on purchases, 9.99% on cash advances including balance transfers. Minimum credit limit $10,000. | Earn 2 Scene+ points per $1 on all eligible purchases. No foreign transaction fees, and 10 complimentary airport lounge visits. Offer for accounts opened November 2, 2026 to July 1, 2027: up to 80,000 bonus Scene+ points, presented as up to $2,800 in value in the first 14 months, made up of 45,000 points for $5,000 spent in 6 months, 25,000 more for $10,000 in 12 months, and 10,000 more for a purchase in month 14. | Scotiabank Platinum Amex | Luxury Travel Rewards | Scotiabank Canada | 2026-11-15 |
| Scotiabank | Credit card | Scotiabank Passport Visa Infinite + Card | 20.99% purchase; Rewards: 1 to 3 points per dollar | Annual Fee: $150; Welcome offer: Earn 25,000 bonus Scene+ points when you spend $2,000 within the first 3 months | The best no foreign transaction fee credit cards in Canada | 2026-11-14 |
| Simplii Financial | Credit card | Simplii Financial™ Cash Back Visa Card | $0 | Annual fee | Best Credit Cards in Canada | |
| Simplii Financial | Credit card | Simplii Financial™ Cash Back Visa Card | 20.99% | Interest rates: for purchases | Best Credit Cards in Canada | |
| Simplii Financial | Credit card | Simplii Financial™ Cash Back Visa Card | 22.99% | Interest rates: for cash advances | Best Credit Cards in Canada | |
| Simplii Financial | Credit card | Simplii Financial Cash Back Visa Card | 20.99% for purchases; Rewards rate 0.5%-8% | Annual fee $0; Intro offer Up to $80 | Best Credit Cards in Canada | 2026-11-14 |
| TD | Credit card | TD Aeroplan Visa Infinite Card Promotional | Annual fee $139. Interest 21.99% on purchases, 22.99% on cash advances. | Offer as printed on TD's card listing page: up to $1,550 in value including up to 50,000 Aeroplan points, plus an annual fee rebate for the first year. The listing page does not print earn rates. | Best TD Credit Cards in Canada | TD Canada Trust | 2026-11-15 |
| Tangerine | Credit card | Tangerine Money-Back Credit Card | $0 | Annual fee | Best Credit Cards in Canada | |
| Tangerine | Credit card | Tangerine Money-Back Credit Card | 20.95% | Preferred rates: for purchases | Best Credit Cards in Canada | |
| Tangerine | Credit card | Tangerine Money-Back Credit Card | 22.95% | Preferred rates: for cash advances (including balance transfers) | Best Credit Cards in Canada | |
| Tangerine | Credit card | Tangerine Money-Back Credit Card | 20.95% for purchases; Rewards rate 0.5%-2% | Annual fee $0; Intro offer Up to $100 | Best Credit Cards in Canada | 2026-11-14 |
| Tangerine | Credit card | Tangerine Money-Back World Mastercard | 20.95% for purchases; Rewards rate 0.5%-2% | Annual fee $0; Intro offer $120 | Best Rewards Credit Cards in Canada | 2026-11-14 |
What the catalogue does not hold
- compare.lowestrates.ca card blocks (fees, earn rates, welcome offers, insurance coverages for the full LowestRates catalogue) are rendered by a JavaScript application and returned only a loading shell to the text fetch on 2026-11-15. A live browser pass is the route that closes this gap.
- compare.rates.ca full catalogue beyond the 20 Rates.ca award winners and the provider and network top pick tables is likewise application rendered; the 80 card universe Rates.ca says it analysed is not published as a readable list.
- Insurance coverages per card are printed only where the page prose names them (for example mobile device insurance and purchase protection on the MBNA Rewards Platinum Plus). Most winner blocks print no coverage list.
- HSBC +Rewards Mastercard removed from the catalogue on 2026-11-15: HSBC Bank Canada was acquired by RBC on March 28, 2024 and its cards were replaced by RBC cards; the card no longer exists on any issuer page and the LowestRates.ca listing that sourced it is stale.