Credit Card Comparison: Find the Credit Card in Canada for You

Here at Young and Thrifty, we’re obsessed with scouring the market and doing credit card comparisons in Canada. Our team of experts created a comparison tool after extensively reviewing and comparing credit cards across the country.

You can use the filters to provide insight into finding a credit card that suits your situation:

  1. Choose a credit card type: select the credit card categories that best match your search
  2. Filter by credit score: select the score that applies to you

Below is our credit card comparison in Canada and continue reading to see what each can offer you.


American Express® AIR MILES®* Credit Card

Apply Now On American Express CA Secure Website

Credit Card Benefits

The American Express® AIR MILES®* credit card is a no annual fee credit card that allows cardholders to earn 1 Mile for every $15 in card purchases at AIR MILES partners and 1 MILE for every $20 in card purchases elsewhere. Earn twice the Miles by shopping at participating AIR MILES partners across Canada with your card and AIR MILES®* Collector Card. New cardholders can earn a bonus of 500 AIR MILES after spending $500 in card purchases within the first 3 months of card membership. Additional perks of this card include travel insurance and shopping coverage.

Read review
Credit score requirements: Credit Score requirements are based on Young and Thrifty's own research of approval rates; meeting the minimum score will give you the best chance to be approved for the credit card of your choice.
Poor 500-599
Fair 660-689
Good 700-749
Excellent 741-900

What we like:

  • No annual fee

  • Welcome offer of 500 AIR MILES®* Bonus Miles

  • Earn 1 AIR MILE for every $15 in card purchases at AIR MILES partners

  • Earn 1 MILE for every $20 in card purchases everywhere else

  • $0 annual fee
  • Welcome offer of 500 AIR MILES when you spend $500 in card purchases within your first 3 months as a cardholder
  • Rewards: Earn 1 Mile for every $15 in card purchases at AIR MILES partners, 1 Mile for every $20 in card purchases elsewhere, 2X the Miles by shopping at participating AIR MILES partners across Canada with your card and AIR MILES Collector Card.
  • Special 1.99% interest rate on balance transfers for the first 6 months, plus no transfer fees
  • Other perks: free supplementary cards, travel accident insurance, shopping coverage
  • Minimum Income Eligibility Requirement: N/A
  • Credit Score Required: Good to Excellent
  • Interest on Purchases: 20.99% | Interest on Cash Advances: 22.99%
  • This post was not sponsored. The views and opinions expressed in this review are purely my own
Cash Advance APR 22.99%
Purchase APR 20.99%
Purchase Intro Rate N/A
Intro Rate Duration N/A
Balance Transfer APR N/A
Balance Transfer Intro Rate 1.99%
Intro Rate Duration 6 months

Check your eligibility >>

American Express® AIR MILES®* Credit Card

Apply Now On American Express CA Secure Website

Credit Card Benefits

The American Express® AIR MILES®* credit card is a no annual fee credit card that allows cardholders to earn 1 Mile for every $15 in card purchases at AIR MILES partners and 1 MILE for every $20 in card purchases elsewhere. Earn twice the Miles by shopping at participating AIR MILES partners across Canada with your card and AIR MILES®* Collector Card. New cardholders can earn a bonus of 500 AIR MILES after spending $500 in card purchases within the first 3 months of card membership. Additional perks of this card include travel insurance and shopping coverage.

Read review
Credit score requirements: Credit Score requirements are based on Young and Thrifty's own research of approval rates; meeting the minimum score will give you the best chance to be approved for the credit card of your choice.
Poor 500-599
Fair 660-689
Good 700-749
Excellent 741-900

What we like:

  • No annual fee

  • Welcome offer of 500 AIR MILES®* Bonus Miles

  • Earn 1 AIR MILE for every $15 in card purchases at AIR MILES partners

  • Earn 1 MILE for every $20 in card purchases everywhere else

  • $0 annual fee
  • Welcome offer of 500 AIR MILES when you spend $500 in card purchases within your first 3 months as a cardholder
  • Rewards: Earn 1 Mile for every $15 in card purchases at AIR MILES partners, 1 Mile for every $20 in card purchases elsewhere, 2X the Miles by shopping at participating AIR MILES partners across Canada with your card and AIR MILES Collector Card.
  • Special 1.99% interest rate on balance transfers for the first 6 months, plus no transfer fees
  • Other perks: free supplementary cards, travel accident insurance, shopping coverage
  • Minimum Income Eligibility Requirement: N/A
  • Credit Score Required: Good to Excellent
  • Interest on Purchases: 20.99% | Interest on Cash Advances: 22.99%
  • This post was not sponsored. The views and opinions expressed in this review are purely my own
Cash Advance APR 22.99%
Purchase APR 20.99%
Purchase Intro Rate N/A
Intro Rate Duration N/A
Balance Transfer APR N/A
Balance Transfer Intro Rate 1.99%
Intro Rate Duration 6 months

Check your eligibility >>

American Express® AIR MILES®* Platinum Credit Card

Apply Now On American Express CA Secure Website

Credit Card Benefits

With the American Express® AIR MILES®* Platinum Credit Card, cardholders earn 1 Mile for every $5 in card purchases (up to $30,000 annually) on eligible food, drink, gas, and transit in Canada. Earn 1 Mile for every $10 in card purchases everywhere else. New cardholders earn 3,000 AIR MILES Bonus Miles after charging a total of $1,500 in purchases to the card within the first three months of card membership. Earn a referral bonus of 500 Miles for each approved referral, up to a maximum annual referral bonus of 7,500 Miles.

Read review
Credit score requirements: Credit Score requirements are based on Young and Thrifty's own research of approval rates; meeting the minimum score will give you the best chance to be approved for the credit card of your choice.
Poor 500-599
Fair 660-689
Good 700-749
Excellent 741-900

What we like:

  • New American Express® AIR MILES®* Platinum Credit Card Cardmembers, earn a Welcome Bonus of 3,000 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 $310 towards your purchases with AIR MILES®* Cash

  • Earn 1 Mile for every $5 in card purchases on eligible food, drink, gas, and transit in Canada (up to $30,000 annually)

  • Earn 1 Mile for every $10 in card purchases everywhere else.

  • Special 1.99% interest rate on balance transfers for the first 6 months, with no balance transfer fee.

  • $120 annual fee
  • Welcome Offer: Up to 3,000 AIR MILES Bonus Miles
  • Rewards: Earn 1 Mile for every $5 in card purchases on eligible food, drink, gas, and transit in Canada (up to $30,000 annually) and 1 Mile for every $10 in eligible card purchases everywhere else.
  • Special 1.99% balance transfer rate for the first 6 months with no transfer fee.
  • Additional Perks: Travel accident insurance, car rental insurance, purchase protection, and buyer’s assurance protection, referral program
  • Minimum Income Eligibility Requirement: N/A
  • Credit Score Required: Good to Excellent
  • Interest on Purchases: 19.99% | Interest on Cash Advances: 22.99%
  • This post was not sponsored. The views and opinions expressed in this review are purely my own
Cash Advance APR 22.99%
Purchase APR 19.99%
Purchase Intro Rate N/A
Intro Rate Duration N/A
Balance Transfer APR N/A
Balance Transfer Intro Rate 1.99%
Intro Rate Duration 6 months

Check your eligibility >>

American Express Cobalt Card

Apply Now On American Express CA Secure Website

Credit Card Benefits

The American Express Cobalt™ Card is a winner for earning flexible, easy-to-redeem points on everyday spending. At 5 points per $1 spent on eligible food and drink, 2 points per $1 spent on gas, transit, and travel, and 1 point per $1 on everything else, the points will add up fast. Plus, get a head start with up to 45,000 points (worth approx. $450) in welcome bonuses. Although American Express cards aren’t as widely accepted as Visa or Mastercard, this card deserves a spot in your wallet as one of the top credit cards to use for groceries, restaurants, and food delivery purchases.

Read review
Credit score requirements: Credit Score requirements are based on Young and Thrifty's own research of approval rates; meeting the minimum score will give you the best chance to be approved for the credit card of your choice.
Poor 500-599
Fair 660-689
Good 700-749
Excellent 741-900

What we like:

  • Welcome offer of up to 45,000 Membership Rewards® points (worth approx. $450)

  • Earn 5X the points on eligible eats & drinks, 2X the points on eligible travel & transit, 1X the points on everything else

  • Includes comprehensive travel insurance for the cardholder

  • Flexible redemptions – use points for travel, event tickets, gift cards, merchandise, a statement credit, and more.

  • $10 monthly fee
  • Welcome offer: Up to 45,000 Membership Rewards® points
  • Rewards: Earn 5X the points for every $1 spent on eligible eats and drinks, 2X the points for every $1 spent on eligible travel and transit including hotels, public transit, and gas, 1X the points for every $1 spent on all other purchases
  • Other perks: travel insurance, free supplementary cards, exclusive entertainment access
  • Minimum Income Eligibility Requirement: N/A
  • Recommended credit score: Fair to Good
  • Interest on Purchases: 19.99% | Interest on Cash Advances: 22.99%
  • This post was not sponsored. The views and opinions expressed in this review are purely my own
Cash Advance APR 22.99%
Purchase APR 19.99%
Purchase Intro Rate N/A
Intro Rate Duration N/A
Balance Transfer APR N/A
Balance Transfer Intro Rate N/A
Intro Rate Duration N/A

Check your eligibility >>

American Express Marriott Bonvoy

Apply Now On American Express CA Secure Website

Credit Card Benefits

With an excellent earn rate and premium perks, the Marriott Bonvoy™ American Express® Card is an excellent travel rewards credit card. Earn Marriott Bonvoy™ points for every $1 in eligible card purchases, which ca be redeemed for free nights at 7,000+ hotels around the world, travel experiences, merchandise, gift cards, tickets to events, and more. Or transfer points to other frequent flyer programs such as Aeroplan. Includes benefits such as a complimentary upgrade to Marriott Bonvoy™ Silver Elite status, travel insurance, and exclusive entertainment access with American Express Invites®.

Read review
Credit score requirements: Credit Score requirements are based on Young and Thrifty's own research of approval rates; meeting the minimum score will give you the best chance to be approved for the credit card of your choice.
Poor 500-599
Fair 660-689
Good 700-749
Excellent 741-900

What we like:

  • Welcome Offer: Earn 50,000 Marriott Bonvoy™ points (after you charge $1,500 in purchases to your card in your first three months)

  • Earn 5 Marriott Bonvoy™ points for every $1 in eligible card purchases at participating Marriott Bonvoy™ properties

  • Earn 2 points for every $1 in card purchases everywhere else

  • Free annual night reward

  • Annual Fee: $120
  • Minimum Income Eligibility Requirement: N/A
  • Credit Score Required: Good to Excellent
  • Welcome Offer: 50,000 bonus points when you spend $1,500 in 3 months
  • Other Perks: Automatic upgrade to Marriott Bonvoy™ Silver Elite Status, annual free night, travel insurance coverage, American Express Invites® access
  • Interest on Purchases: 19.99% | Interest on Cash Advances: 22.99%
  • This post was not sponsored. The views and opinions expressed in this review are purely my own
Cash Advance APR 22.99%
Purchase APR 19.99%
Purchase Intro Rate N/A
Intro Rate Duration N/A
Balance Transfer APR N/A
Balance Transfer Intro Rate N/A
Intro Rate Duration N/A

Check your eligibility >>

SimplyCash Card from American Express

Apply Now On American Express CA Secure Website

Credit Card Benefits

The SimplyCash™ Card from American Express has no annual fee and you can earn 1.25% cash back for every $1 in card purchases. As a welcome bonus, new cardholders earn 2.5% cash back
on purchases (up to $150 cash back) for the first 3 months. Also offered at the time of application is a special 1.99% introductory interest rate on balance transfer for the first 6 months. Additional perks include travel insurance, shopping protection, and American Express Invites®.

Read review
Credit score requirements: Credit Score requirements are based on Young and Thrifty's own research of approval rates; meeting the minimum score will give you the best chance to be approved for the credit card of your choice.
Poor 500-599
Fair 660-689
Good 700-749
Excellent 741-900

What we like:

  • No annual fee

  • Earn 2.5% cashback in your first 3 months (up to $150 cashback)

  • Earn up to 1.25% cash back on card purchases

  • Special 1.99% introductory interest rate on balance transfers for the first 6 months

  • Annual Fee: $0
  • Minimum Income Eligibility: None
  • Credit Score Required: Good to Excellent
  • Welcome Bonus: Earn 2.5% cashback in your first 3 months (up to $150 cashback)
  • Rewards: Earn 1.25% cash back for every $1 in card purchases
  • Additional Benefits: Travel insurance, purchase protection, American Express Invites, refer a friend incentive
  • Interest on Purchases: 19.99% | Interest on Cash Advances: 22.99%
  • This post was not sponsored. The views and opinions expressed in this review are purely my own
Cash Advance APR 22.99%
Purchase APR 19.99%
Purchase Intro Rate N/A
Intro Rate Duration N/A
Balance Transfer APR N/A
Balance Transfer Intro Rate N/A
Intro Rate Duration N/A

Check your eligibility >>

The Platinum Card®

Apply Now On American Express CA Secure Website

Credit Card Benefits

The Platinum Card® is an excellent travel rewards credit card offering premium perks. The welcome bonus of up to 25,000 bonus points is enough to redeem for a $250 statement credit towards eligible travel purchases charged to the card. Earn up to 3 points on every $1 in eligible card purchases, redeemable for travel, gift cards, merchandise, a statement credit – whatever you like. Includes an annual $200 Annual Travel Credit, unlimited free access to American Express Global Lounge Collection, travel insurance, a 24/7 Platinum Concierge, exclusive access to Platinum experiences, enhanced hotel stays, and more.

Read review
Credit score requirements: Credit Score requirements are based on Young and Thrifty's own research of approval rates; meeting the minimum score will give you the best chance to be approved for the credit card of your choice.
Poor 500-599
Fair 660-689
Good 700-749
Excellent 741-900

What we like:

  • New Platinum® Cardmembers, earn 25,000 Welcome Bonus Membership Rewards® points when you charge $2,000 in purchases to your Card in the first three months of Cardmembership

  • Earn up to 3 points for every $1 in eligible card purchases

  • Earn 1 additional Membership Rewards® point for every $1 you charge to your Platinum Card on eligible hotel or car rental bookings made with American Express Travel

  • $200 Annual Travel Credit

  • Annual Fee: $699
  • Minimum income eligibility requirement: N/A
  • Credit score required: Good to Excellent
  • Rewards: 3 points per $1 spent on dining, 2 points per $1 spent on travel, 1 point per $1 spent on everything else.
  • Welcome Offer: Up to 25,000 Membership Rewards® points
  • Additional benefits: $200 annual travel credit, unlimited access to American Express Global Lounge Collection, premium benefits at Pearson airport, access to hotel and rental car loyalty programs, access to special events
  • Interest on Purchases: 30% | Interest on Cash Advances: 22.99%
  • This post was not sponsored. The views and opinions expressed in this review are purely my own
Cash Advance APR 22.99%
Purchase APR 30%
Purchase Intro Rate N/A
Intro Rate Duration N/A
Balance Transfer APR N/A
Balance Transfer Intro Rate N/A
Intro Rate Duration N/A

Check your eligibility >>

BMO AIR MILES®† MasterCard®*

Apply Now On BMO CA Secure Website

Credit Card Benefits

The BMO® AIR MILES®† Mastercard®* allows cardholders to earn 3X the Miles for every $25 spent at participating AIR MILES partners, and 1 Mile for every $25 spent everywhere else. You can also double dip at AIR MILES sponsored locations when you shop with your BMO® AIR MILES®† Mastercard®* and show your AIR MILES collector card. This credit card has no annual fee and includes benefits such as extended warranty and purchase protection. New cardholders can also take advantage of the 1.99% introductory balance transfer rate for 9 months.

Read review
Credit score requirements: Credit Score requirements are based on Young and Thrifty's own research of approval rates; meeting the minimum score will give you the best chance to be approved for the credit card of your choice.
Poor 500-599
Fair 660-689
Good 700-749
Excellent 741-900

What we like:

  • $0 annual fee

  • Welcome offer of 800 AIR MILES Bonus Miles

  • Earn 3X the Miles for every $25 spent at participating AIR MILES partners

  • Earn 1 Mile for every $25 spent elsewhere

  • Annual Fee: $0
  • Minimum Income Eligibility Requirement: N/A
  • Credit Score Required: Good
  • Welcome Offer: Get 800 AIR MILES Bonus Miles
  • Rewards: Get 2x the Miles for every $20 spent at participating AIR MILES Partners, get 1 Mile for every $20 spent everywhere else, double-dip at AIR MILES sponsored locations
  • Additional Perks: 1.99% introductory balance transfer offer, extended warranty and purchase protection, entertainment discounts
  • Interest on Purchases: 19.99% | Interest on Cash Advances: 22.99%
Cash Advance APR 22.99%
Purchase APR 19.99%
Purchase Intro Rate N/A
Intro Rate Duration N/A
Balance Transfer APR N/A
Balance Transfer Intro Rate 1.99%
Intro Rate Duration 9 months

Check your eligibility >>

BMO AIR MILES®† World Elite®* MasterCard®*

Apply Now On BMO CA Secure Website

Credit Card Benefits

With the BMO® AIR MILES®† World Elite®* Mastercard®, earn 1 Mile for every $10 in card purchases – the highest rate of return for an AIR MILES credit card currently on the market. You’ll also get 2X the Miles on car rentals from National Car Rental and Alamo Rent A Car. New cardholders receive a welcome bonus of 2,000 AIR MILES Bonus Miles, and a first-year annual fee waiver. Includes travel insurance, shopping protection, 15% off North American flights booked through AirMiles.ca, and complimentary membership in Mastercard Airport Experiences provided by LoungeKey.

Read review
Credit score requirements: Credit Score requirements are based on Young and Thrifty's own research of approval rates; meeting the minimum score will give you the best chance to be approved for the credit card of your choice.
Poor 500-599
Fair 660-689
Good 700-749
Excellent 741-900

What we like:

  • Welcome Offer of 2,000 AIR MILES Bonus Miles

  • $120 annual fee is waived for the first year

  • Earn 1 Mile for every $10 in card purchases

  • Exclusive 15% Flight Discount on all AIR MILES flights in North America with no blackout periods

  • Annual Fee: $120 (first year free)
  • Minimum Income Eligibility Requirement: $80,000 individual or $150,000 household
  • Credit Score Required: Excellent
  • Welcome Offer: 2,000 AIR MILES Bonus Miles
  • Rewards: Earn 1 Mile for every $10 spent in card purchases, earn 2X the Miles earned from National Car Rental and Alamo Rent a Car
  • Additional Perks: Travel insurance, flight discounts, complimentary membership in Mastercard Airport Experiences provided by LoungeKey, entertainment discounts, shopping protection
  • Interest on Purchases: 19.99% | Interest on Cash Advances: 22.99%
Cash Advance APR 22.99%
Purchase APR 19.99%
Purchase Intro Rate N/A
Intro Rate Duration N/A
Balance Transfer APR N/A
Balance Transfer Intro Rate N/A
Intro Rate Duration N/A

Check your eligibility >>

BMO CashBack® MasterCard®*

Apply Now On BMO CA Secure Website

Credit Card Benefits

The BMO CashBack® Mastercard®* offers a lucrative welcome bonus of 5% cash back in your first 3 months on all purchases. Then get 3% cash back on grocery purchases, 1% cash back on recurring bill payments and 0.5% unlimited cash back on all other purchases!* Redeem cash back any way you like: deposit into your BMO chequing or savings account, put it into your InvestorLine account, or apply the credit to your monthly statement. Other perks include up to 25% off rentals at participating National Car Rental and Alamo Rent-A-Car locations, shopping protection, and a 1.99% introductory interest rate on Balance Transfers for 9 months (with a 1% transfer fee).

Read review
Credit score requirements: Credit Score requirements are based on Young and Thrifty's own research of approval rates; meeting the minimum score will give you the best chance to be approved for the credit card of your choice.
Poor 500-599
Fair 660-689
Good 700-749
Excellent 741-900

What we like:

  • No annual fee

  • Welcome Offer: Get up to 5% cash back in your first 3 months

  • Then get 3% cash back on grocery purchases, 1% cash back on recurring bill payments and 0.5% unlimited cash back on all other purchases!*

  • Get an 1.99% introductory interest rate for balance transfers for the first 9 months (1% fee applies to balance amounts transferred

  • Annual Fee: $0
  • Minimum Income Eligibility Requirement: $15,000
  • Credit Score Required: Good to Excellent
  • Welcome Offer: 5% cash back bonus for first 3 months on all purchases and 1.99% introductory interest rate on balance transfers for 9 months (with a 1% transfer fee)
  • Rewards: Get 3% cash back on grocery purchases, 1% cash back on recurring bill payments and 0.5% unlimited cash back on all other purchases!*
  • Additional Benefits: Flexible redemption, car rental discounts, purchase protection and extended warranty, entertainment discounts
  • Interest on Purchases: 19.99% | Interest on Cash Advances: 22.99%
Cash Advance APR 22.99%
Purchase APR 19.99%
Purchase Intro Rate N/A
Intro Rate Duration N/A
Balance Transfer APR N/A
Balance Transfer Intro Rate 1.99%
Intro Rate Duration 9 months

Check your eligibility >>

BMO U.S. Dollar MasterCard®*

Apply Now On BMO CA Secure Website

Credit Card Benefits

With the BMO® U.S. Dollar Mastercard®*, pay for purchases in US dollars to avoid any foreign exchange rate surprises. This credit card is accepted at more than 30 million locations in the U.S., Canada and worldwide, making it a smart choice for snowbirds and travellers. The annual fee is just $35, but it’s rebated if you spend $1,000 or more in a year. Benefits include extended warranty coverage and purchase protection.

Read review
Credit score requirements: Credit Score requirements are based on Young and Thrifty's own research of approval rates; meeting the minimum score will give you the best chance to be approved for the credit card of your choice.
Poor 500-599
Fair 660-689
Good 700-749
Excellent 741-900

What we like:

  • Low $35 USD annual fee

  • Annual fee is rebated when you spend $1,000 USD/ year

  • Shop in U.S. Dollars – meaning no exchange rate surprises

  • Extended Warranty Coverage

  • Annual Fee: $35 USD (Rebated if you spend $1,000 or more per year)
  • Minimum Income Eligibility Requirement: N/A
  • Credit Score Required: N/A
  • Additional Perks: Extended warranty and purchase protection, entertainment discounts
  • Interest on Purchases: 19.99% | Interest on Cash Advances: 22.99%
Cash Advance APR 22.99%
Purchase APR 19.99%
Purchase Intro Rate N/A
Intro Rate Duration N/A
Balance Transfer APR N/A
Balance Transfer Intro Rate N/A
Intro Rate Duration N/A

Check your eligibility >>

Capital One® Guaranteed Secured Mastercard®

Apply Now On Capital One CA Secure Website

Credit Card Benefits

The Capital One Guaranteed Secured Mastercard® is a secured credit card that allows cardholders to build or repair their credit. Approval is guaranteed if you meet all the required conditions, one of which is that you provide the necessary security funds – $75 or $300. Once approved, it reports your credit card activity to the credit reporting agencies monthly. There is a $59 annual fee for the card, which includes Mastercard Global Service and Zero Liability.

Read review
Credit score requirements: Credit Score requirements are based on Young and Thrifty's own research of approval rates; meeting the minimum score will give you the best chance to be approved for the credit card of your choice.
Poor 500-599
Fair 660-689
Good 700-749
Excellent 741-900

What we like:

  • Guaranteed approval (conditions apply)

  • Credit limit up to $2,500

  • Helps establish or repair your credit

  • Mastercard Global Service

  • Annual Fee: $59
  • Minimum Income Eligibility Requirement: None
  • Credit Score Required: Bad to Poor
  • Interest on Purchases: 19.80% | Interest on Cash Advances: 21.9%
Cash Advance APR 21.9%
Purchase APR 19.80%
Purchase Intro Rate N/A
Intro Rate Duration N/A
Balance Transfer APR N/A
Balance Transfer Intro Rate N/A
Intro Rate Duration N/A

Check your eligibility >>

The Capital One® Low Rate Guaranteed Mastercard®

Apply Now On Capital One CA Secure Website

Credit Card Benefits

The Capital One Low Rate Guaranteed Mastercard® is a low-interest credit card that can help repair or establish your credit rating. It offers a low 14.90% interest rate on both purchases and balance transfers, and approval is guaranteed so long as you meet four conditions. The annual fee is $79, but this card includes benefits such as travel insurance, price protection, purchase assurance, and extended warranty protection.

Read review
Credit score requirements: Credit Score requirements are based on Young and Thrifty's own research of approval rates; meeting the minimum score will give you the best chance to be approved for the credit card of your choice.
Poor 500-599
Fair 660-689
Good 700-749
Excellent 741-900

What we like:

  • Guaranteed approval if you meet 4 conditions

  • Low 14.90% interest rate on purchases

  • Helps repair or establish your credit rating

  • Includes shopping coverage and travel insurance

  • Annual Fee: $79
  • Minimum Income Eligibility: None
  • Credit Score Required: Bad to Poor
  • Welcome Offer: None
  • Additional Perks: None
  • Interest on Purchases: 14.90% | Interest on Cash Advances: 21.9% | Interest on Balance Transfers: 14.90%
Cash Advance APR 21.9%
Purchase APR 14.90%
Purchase Intro Rate N/A
Intro Rate Duration N/A
Balance Transfer APR 14.90%
Balance Transfer Intro Rate N/A
Intro Rate Duration N/A

Check your eligibility >>

CIBC Aero Platinum™ Visa* Card

Apply Now On CIBC CA Secure Website

Credit Card Benefits

With the CIBC Aero Platinum™ Visa* Card, you earn 1 Mile for every $1.50 spent on eligible purchases. Plus, you can earn double the Miles by shopping at over 150, when you use your CIBC Aero Platinum Visa Card and present your Aeroplan Card at over 150 participating Aeroplan Partners. Redeem Miles for flights (including for taxes, fees, and surcharges), gift cards, merchandise, car rentals, entertainment, and more. Includes up to 3 free supplementary cards and some insurance coverage.

Read review
Credit score requirements: Credit Score requirements are based on Young and Thrifty's own research of approval rates; meeting the minimum score will give you the best chance to be approved for the credit card of your choice.
Poor 500-599
Fair 660-689
Good 700-749
Excellent 741-900

What we like:

  • 5,000 Aeroplan Miles Welcome Bonus

  • Earn 1 Mile for every $1.50 spent on your card

  • Earn Miles twice at 150+ Aeroplan Partners and 100+ online retailers

  • Redeem Miles for flights, gift cards, auto rentals, entertainment, merchandise and more

  • Annual Fee: $39
  • Minimum Income Eligibility Requirement: $15,000 household
  • Credit Score Requirement: Fair to Good
  • Welcome Offer: 5,000 Aeroplan Miles
  • Additional Perks: Auto rental collision and damage insurance, purchase protection
  • Interest on Purchases: 19.99% | Interest on Cash Advances: 22.99%
Cash Advance APR 22.99%
Purchase APR 19.99%
Purchase Intro Rate N/A
Intro Rate Duration N/A
Balance Transfer APR N/A
Balance Transfer Intro Rate N/A
Intro Rate Duration N/A

Check your eligibility >>

Desjardins Odyssey World Elite Mastercard

Apply Now On Desjardins CA Secure Website

Credit Card Benefits

The Desjardins Odyssey World Elite Mastercard will earn cardholders 1.5% in BONUSDOLLARS for the first $20,000 spent annually and 2% in BONUSDOLLARS spent after spending $20,000 annually. The BONUSDOLLARS act like cash and can be used for travel (no blackout periods), merchandise, entertainment, financial products and more. Includes travel insurance and 8 free passes per year to the Desjardin Odyssey Lounge in Montreal’s Trudeau Airport.

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Credit score requirements: Credit Score requirements are based on Young and Thrifty's own research of approval rates; meeting the minimum score will give you the best chance to be approved for the credit card of your choice.
Poor 500-599
Fair 660-689
Good 700-749
Excellent 741-900

What we like:

  • Earn up to 2% in BONUSDOLLARS®

  • Comprehensive travel insurance for up to 60 days

  • 8 free passes per year to the Desjardins Odyssey Lounge

  • Annual Fee: $130 (Desjardin member, then $0 for Desjardin)
  • Minimum Income Eligibility Requirement: $80,000 individual or $150,000 household
  • Credit Score Required: Fair to Good
  • Welcome Bonus: Get up to 2% in BONUSDOLLARS®.
  • Additional Perks: Insurance, 8 free passes per year to the Desjardin Odyssey Lounge
  • Interest on Purchases: 19.99% | Interest on Cash Advances: n/a
Cash Advance APR N/A
Purchase APR 19.99%
Purchase Intro Rate N/A
Intro Rate Duration N/A
Balance Transfer APR N/A
Balance Transfer Intro Rate N/A
Intro Rate Duration N/A

Check your eligibility >>

Home Trust Preferred Visa

Apply Now On Home Trust CA Secure Website

Credit Card Benefits

With the Home Trust Preferred Visa, you pay no annual fee and can earn 1% cashback on eligible purchases. There is no limit to how much cashback you can earn per year, and rewards are credited to your account annually. This credit card also offers no foreign currency fees when used abroad or for online shopping in foreign currencies. A free Roadside Assist membership included as an added perk.

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Credit score requirements: Credit Score requirements are based on Young and Thrifty's own research of approval rates; meeting the minimum score will give you the best chance to be approved for the credit card of your choice.
Poor 500-599
Fair 660-689
Good 700-749
Excellent 741-900

What we like:

  • No annual fee

  • 1% CashBack Rewards on eligible purchases

  • CashBack Rewards are credited to your account annually

  • No limits on CashBack rewards

  • Annual Fee: $0
  • Minimum Income Eligibility: $15,000
  • Credit Score Required: Fair to Good
  • Welcome Offer: None
  • Other Perks: No foreign currency surcharges and Roadside Assist Membership
  • Interest on Purchases: 19.99% | Interest on Cash Advances: 19.99%
Cash Advance APR 19.99%
Purchase APR 19.99%
Purchase Intro Rate N/A
Intro Rate Duration N/A
Balance Transfer APR N/A
Balance Transfer Intro Rate N/A
Intro Rate Duration N/A

Check your eligibility >>

Home Trust Secured Visa

Apply Now On Home Trust CA Secure Website

Credit Card Benefits

The Home Trust Secured Visa is a secured credit card that can establish or repair your credit rating. All you have to do is deposit funds to be able to use it. Your credit limit is determined by how much you want to put down as your security deposit with a minimum of $500 and a maximum of $10,000. There’s no annual fee, and this card typically has a high approval rating.

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Credit score requirements: Credit Score requirements are based on Young and Thrifty's own research of approval rates; meeting the minimum score will give you the best chance to be approved for the credit card of your choice.
Poor 500-599
Fair 660-689
Good 700-749
Excellent 741-900

What we like:

  • No annual fee

  • Helps establish or repair your credit rating

  • Credit limit is determined based on your deposit ($500-$10,000)

  • High approval rate

  • Annual Fee: $0
  • Minimum Income Eligibility Requirement: None
  • Credit Score Required: Bad to Poor
  • Welcome Offer: None
  • Additional Perks: None
  • Interest on Purchases: 19.99% | Interest on Cash Advances: 19.99%
Cash Advance APR 19.99%
Purchase APR 19.99%
Purchase Intro Rate N/A
Intro Rate Duration N/A
Balance Transfer APR N/A
Balance Transfer Intro Rate N/A
Intro Rate Duration N/A

Check your eligibility >>

RBC Visa Classic Low Rate Card

Apply Now On RBC Royal Bank CA Secure Website

Credit Card Benefits

The RBC Visa Classic Low Rate Card has an affordable $20 annual fee and offers a low 12.99% interest rate on purchases and cash advances. It also includes purchase security and extended warranty protection, and you can link your card to automatically save $0.03 per litre on fuel at participating Petro-Canada stations.

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Credit score requirements: Credit Score requirements are based on Young and Thrifty's own research of approval rates; meeting the minimum score will give you the best chance to be approved for the credit card of your choice.
Poor 500-599
Fair 660-689
Good 700-749
Excellent 741-900

What we like:

  • Low $20 annual fee

  • Low minimum income eligibility requirement

  • Ideal for building or repairing your credit score

  • Low 12.99% interest rate on purchases and cash advances

  • Annual Fee: $20
  • Minimum Income Eligibility: $15,000
  • Credit Score Required: Fair-Good
  • Welcome Offer: None
  • Additional Perks: Purchase protection, zero fraud liability, gas discount and extra Petro Points at Petro-Canada gas stations
  • Interest on Purchases: 12.99% | Interest on Cash Advances: 12.99%
Cash Advance APR 12.99%
Purchase APR 12.99%
Purchase Intro Rate N/A
Intro Rate Duration N/A
Balance Transfer APR N/A
Balance Transfer Intro Rate N/A
Intro Rate Duration N/A

Check your eligibility >>

RBC VISA Infinite Avion

Apply Now On RBC Royal Bank CA Secure Website

Credit Card Benefits

With the RBC Visa Infinite Avion, cardholders earn 1 RBC Rewards point for every $1 you spend, plus an extra 25% on eligible travel-related purchases. Rewards can be redeemed for travel, merchandise, or applied as a credit on your credit card statement. Also included is travel insurance, mobile device insurance, and shopping protection. Although there’s an annual fee of $120, this card comes with a welcome bonus of 15,000 welcome points

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Credit score requirements: Credit Score requirements are based on Young and Thrifty's own research of approval rates; meeting the minimum score will give you the best chance to be approved for the credit card of your choice.
Poor 500-599
Fair 660-689
Good 700-749
Excellent 741-900

What we like:

  • Welcome bonus 15,000 welcome points

  • Earn 1 1 RBC Rewards® point for every $1 spent,

  • Earn an extra 25% in RBC Rewards points on eligible travel-related purchases

  • No blackout periods or seat restrictions when you book travel with RBC rewards

  • Annual Fee: $120
  • Minimum Income Eligibility Requirement: $60,000 personal or $100,000 household
  • Credit Score Required: Fair to Good
  • Welcome Offer: 15,000 RBC Rewards points
  • Additional Perks: Travel insurance, mobile device insurance, shopping protection, Petro-Canada gas discounts
  • Interest on Purchases: 19.99% | Interest on Cash Advances: 22.99%
Cash Advance APR 22.99%
Purchase APR 19.99%
Purchase Intro Rate N/A
Intro Rate Duration N/A
Balance Transfer APR N/A
Balance Transfer Intro Rate N/A
Intro Rate Duration N/A

Check your eligibility >>

Rogers Platinum Mastercard

Apply Now On Rogers bank CA Secure Website

Credit Card Benefits

The Rogers Platinum Mastercard allows you to earn unlimited cash back on everything you buy. Eligible purchases made in foreign currencies earn 3% cash back, Rogers products and services charged to your card earn 2% cash back, and all other eligible purchases earn 1.25% cash back. Your cash back rewards can be redeemed at any time for any purchase made with your Rogers Platinum Mastercard. Get $25 in cash back money after making your first purchase within 3 months of being a cardholder.

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Credit score requirements: Credit Score requirements are based on Young and Thrifty's own research of approval rates; meeting the minimum score will give you the best chance to be approved for the credit card of your choice.
Poor 500-599
Fair 660-689
Good 700-749
Excellent 741-900

What we like:

  • No annual fee

  • 3% unlimited cash back rewards on eligible purchases made in a foreign currency

  • 2% unlimited cash back on Rogers products and services charged to your card

  • 1.25% unlimited cash back on other eligible purchases

  • Annual Fee: $0
  • Minimum Income Requirement: $15,000 per year
  • Credit Score Required: Fair to Good
  • Welcome Offer: Get $25 in cash back rewards when you make your first purchase within the first 3 months of getting the card.
  • Additional Perks: Unlimited cash back
  • Interest on Purchases: 19.99% | Interest on Cash Advances: 22.99%
Cash Advance APR 22.99%
Purchase APR 19.99%
Purchase Intro Rate N/A
Intro Rate Duration N/A
Balance Transfer APR N/A
Balance Transfer Intro Rate N/A
Intro Rate Duration N/A

Check your eligibility >>

Rogers World Elite Mastercard

Apply Now On Rogers bank CA Secure Website

Credit Card Benefits

The Rogers World Elite Mastercard has no annual fee and allows you to earn unlimited cash back on every purchase. With the mobile app, you can instantly redeem your cash back rewards towards any eligible purchase in the last 90 days. Includes insurance benefits and Mastercard Airport Experiences which gives you lounge access in 400+ airports around the world. Get $25 in cash back rewards after making your first purchase within 3 months of being a cardholder.

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Credit score requirements: Credit Score requirements are based on Young and Thrifty's own research of approval rates; meeting the minimum score will give you the best chance to be approved for the credit card of your choice.
Poor 500-599
Fair 660-689
Good 700-749
Excellent 741-900

What we like:

  • 4% unlimited cash back rewards on eligible purchases made in a foreign currency

  • 2% unlimited cash back rewards on Rogers products and services

  • 1.75% cash back rewards on all other eligible purchases

  • Access to Mastercard Airport Experiences

  • Annual Fee: $0
  • Minimum Income Eligibility Requirement: $80,000 personal income or $150,000 household annual income
  • Credit Score Required: Good to Excellent
  • Welcome Offer: Get $25 in cash back rewards when you make your first purchase within 3 months of receiving your card.
  • Rewards: Up to 4% cash back
  • Other Perks: Insurance benefits, Mastercard Airport Experiences, flexible, instant redemption using mobile app, shopping protection
  • Interest on Purchases: 19.99% | Interest on Cash Advances: 22.99%
Cash Advance APR 22.99%
Purchase APR 19.99%
Purchase Intro Rate N/A
Intro Rate Duration N/A
Balance Transfer APR N/A
Balance Transfer Intro Rate N/A
Intro Rate Duration N/A

Check your eligibility >>

No-Fee Scotiabank Value® VISA* Card

Apply Now On Scotiabank CA Secure Website

Credit Card Benefits

With no annual fee, the No-Fee Scotiabank Value® VISA* Card offers a 3.99% introductory interest rate on balance transfers for the first six months. After this promotional period, the interest rate is 16.99% on purchases and cash advances. Additional perks include discounts on car rentals with participating AVIS and Budget Rent A Car locations, and the option to add credit card protection.

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Credit score requirements: Credit Score requirements are based on Young and Thrifty's own research of approval rates; meeting the minimum score will give you the best chance to be approved for the credit card of your choice.
Poor 500-599
Fair 660-689
Good 700-749
Excellent 741-900

What we like:

  • No annual fee

  • 3.99% introductory interest rate on balance transfers for the first 6 months (16.99% after that)

  • Free supplementary cards

  • Low minimum income eligibility requirement

  • Annual Fee: $0
  • Minimum Income Eligibility Requirement: $12,000
  • Credit Score Required: Fair to Good
  • Welcome Offer: 3.99% introductory interest rate on balance transfers for the first 6 months (16.99% after that)
  • Additional Perks: Discounts at AVIS and Budget Rent-A-Car locations
  • Other Card Info: Interest on Purchases: 16.99% | Interest on Cash Advances: 16.99%
Cash Advance APR 16.99%
Purchase APR 16.99%
Purchase Intro Rate N/A
Intro Rate Duration N/A
Balance Transfer APR 16.99%
Balance Transfer Intro Rate 3.99%
Intro Rate Duration 6 months

Check your eligibility >>

Scotia Momentum® Visa Infinite* Card

Apply Now On Scotiabank CA Secure Website

Credit Card Benefits

The Scotia Momentum® Visa Infinite* Card allows cardholders to earn 4% in cash back for every $1 spent on groceries, recurring bill payments, and subscription purchases (up to $25,000/year). Earn 2% cash back on gas and transit (up to $25,000/year) and 1% on everything else. Once  the maximum amount for the categories is reached, earn at a rate of 1% unlimited cash back. New cardholders pay no annual fee in the first year, including on supplementary cards?. Includes mobile device insurance, travel insurance, Visa Infinite privileges, and shopping protection.

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Credit score requirements: Credit Score requirements are based on Young and Thrifty's own research of approval rates; meeting the minimum score will give you the best chance to be approved for the credit card of your choice.
Poor 500-599
Fair 660-689
Good 700-749
Excellent 741-900

What we like:

  • Welcome Offer: No annual fee in the first year, including on supplementary cards?

  • Earn 4% in cash back for every $1 on eligible recurring bill payments and grocery store purchases

  • Earn 2% in cash back for every $1 spent on gas and daily transit purchases

  • Earn 1% back on all other eligible everyday purchases

  • Annual Fee: $120 (First-year annual fee waived)
  • Minimum Income Eligibility Requirement: $60,000 personal or $100,000 household income
  • Credit Score Required: Excellent
  • Welcome Offer: Earn 10% cash back on all purchases for first three months (up to $2,000 in total purchases).
  • Earn Rate: 4% cash back on recurring bills, grocery purchases, and subscription services, 2% on gas and transit purchases, and 1% on everything else.
  • Additional Benefits: Comprehensive travel insurance, mobile device insurance coverage, luxury hotel privileges, complimentary concierge services 24/7
  • Interest on Purchases: 20.99% | Interest on Cash Advances: 22.99%
Cash Advance APR 22.99%
Purchase APR 20.99%
Purchase Intro Rate N/A
Intro Rate Duration N/A
Balance Transfer APR N/A
Balance Transfer Intro Rate N/A
Intro Rate Duration N/A

Check your eligibility >>

Scotiabank ® U.S. Dollar VISA* Card

Apply Now On Scotiabank CA Secure Website

Credit Card Benefits

With the Scotiabank® U.S. Dollar VISA* Card, you can shop in US dollars without being charged the foreign currency conversion fee. This credit card comes with an annual fee of $35, but supplementary cards are free of charge. Additional perks include discounts with participating AVIS and Budget Rent-A-Car locations, as well as Purchase Security and Extended Warranty Protection.

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Credit score requirements: Credit Score requirements are based on Young and Thrifty's own research of approval rates; meeting the minimum score will give you the best chance to be approved for the credit card of your choice.
Poor 500-599
Fair 660-689
Good 700-749
Excellent 741-900

What we like:

  • Low $35 annual fee

  • No USD foreign currency conversion fee

  • Free supplementary cards

  • Discounts on rental cars

  • Annual Fee: $35
  • Minimum Income Eligibility Requirement: $60,000 personal or $100,000 household income
  • Credit Score Required: Excellent
  • Welcome Offer: Earn 10% cash back on all purchases for first three months (up to $2,000 in total purchases).
  • Earn Rate: 4% cash back on recurring bills, grocery purchases, and subscription services, 2% on gas and transit purchases, and 1% on everything else.
  • Additional Benefits: Comprehensive travel insurance, mobile device insurance coverage, luxury hotel privileges, complimentary concierge services 24/7
  • Interest on Purchases: 19.99% | Interest on Balance Transfer & Cash Advances: 22.99%
Cash Advance APR 22.99%
Purchase APR 19.99%
Purchase Intro Rate N/A
Intro Rate Duration N/A
Balance Transfer APR 22.99%
Balance Transfer Intro Rate N/A
Intro Rate Duration N/A

Check your eligibility >>

Scotiabank Gold American Express® Card

Apply Now On Scotiabank CA Secure Website

Credit Card Benefits

The Scotiabank Gold American Express® Card is an excellent travel rewards credit card that allows you to earn up to 5X the Scotia Rewards points for every $1 in eligible card purchases. As a welcome offer, new cardholders can earn 20,000 bonus Scotia Rewards points after spending $1,000 within the first 3 months. Additional perks include no foreign transaction fees, a complimentary Priority Pass membership, exclusive entertainment access, and travel insurance.

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Credit score requirements: Credit Score requirements are based on Young and Thrifty's own research of approval rates; meeting the minimum score will give you the best chance to be approved for the credit card of your choice.
Poor 500-599
Fair 660-689
Good 700-749
Excellent 741-900

What we like:

  • Welcome Offer: Earn 20,000 bonus Scotia Rewards points with your first $1,000 in everyday purchases in the first 3 months

  • Earn 5X the Scotia Rewards points for every $1 spent on eligible grocery stores, restaurants, fast food, drinking establishments, and entertainment.

  • Earn 3X the Scotia Rewards points per $1 spent on eligible gas, daily transit, and select streaming services.

  • Earn 1X the Scotia Rewards point per $1 spent on any other purchases.

  • Annual Fee: $120
  • Minimum Income Eligibility: $12,000
  • Credit Score Required: Good to Excellent
  • Welcome Offer: 20,000 Scotia Rewards points when you spend $1,000 in the first 3 months
  • Rewards: Earn Scotia Rewards points on every eligible card purchase
  • Other Perks: No foreign transaction fees, comprehensive travel insurance, Amex Front of the Line® access
  • Interest on Purchases: 19.99% | Interest on Cash Advances: 22.99%
Cash Advance APR 22.99%
Purchase APR 19.99%
Purchase Intro Rate N/A
Intro Rate Duration N/A
Balance Transfer APR N/A
Balance Transfer Intro Rate N/A
Intro Rate Duration N/A

Check your eligibility >>

Scotiabank Passport™ Visa Infinite* Card

Apply Now On Scotiabank CA Secure Website

Credit Card Benefits

The Scotiabank Passport™ Visa Infinite* Card is an excellent travel rewards credit card that allows you to earn Scotia Rewards points on every eligible card purchase. As a welcome bonus, new cardholders can earn up to 40,000 bonus Scotia Rewards points in their first year (that’s up to $400 towards travel). Points can be used towards flights, hotels, travel experiences, merchandise, a statement credit, or even transferred into SCENE points should you wish. Includes travel insurance, a complimentary Priority Pass membership with 6 free visits annually, discounts for car rentals, and no foreign transaction fees.

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Credit score requirements: Credit Score requirements are based on Young and Thrifty's own research of approval rates; meeting the minimum score will give you the best chance to be approved for the credit card of your choice.
Poor 500-599
Fair 660-689
Good 700-749
Excellent 741-900

What we like:

  • Welcome Offer: Earn up to 40,000 bonus Scotia Rewards points in your first year (that’s up to $400 towards travel!)

  • 2 Scotia Rewards points per $1 spent on eligible grocery stores, dining, entertainment purchases, and daily transit purchases (including taxis, buses, and subway tokens).

  • 1 Scotia Rewards point per $1 spent on everything else.

  • No foreign transaction fees

  • Annual Fee: $139
  • Minimum Income Eligibility: $60,000 personal income or $100,000 household annual income or at least $250,000 in assets under management
  • Credit Score: Good to Excellent
  • Welcome Offer: Up to 40,000 bonus Scotia Rewards points in your first year
  • Rewards: Earn Scotia Rewards points on every eligible card purchase
  • Other Perks: Priority Pass membership, travel insurance, and no foreign exchange fee markup
  • Interest on Purchases: 19.99% | Interest on Cash Advances: 22.99%
Cash Advance APR 22.99%
Purchase APR 19.99%
Purchase Intro Rate N/A
Intro Rate Duration N/A
Balance Transfer APR N/A
Balance Transfer Intro Rate N/A
Intro Rate Duration N/A

Check your eligibility >>

Scotiabank Platinum American Express® Card 

Apply Now On Scotiabank CA Secure Website

Credit Card Benefits

The Scotiabank Platinum American Express® Card allows cardholders to earn up to 4 Scotia Rewards points for every $1 in eligible card purchases. Redeem points for travel, merchandise, entertainment, hotel stays, a statement on your credit card, or can be transferred to SCENE points. Includes premium perks such as travel insurance, a 24/7 concierge service, a complimentary Priority Pass lounge membership with 10 free visits annually, and more.

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Credit score requirements: Credit Score requirements are based on Young and Thrifty's own research of approval rates; meeting the minimum score will give you the best chance to be approved for the credit card of your choice.
Poor 500-599
Fair 660-689
Good 700-749
Excellent 741-900

What we like:

  • Welcome offer: 30,000 bonus Scotia Rewards points upon first purchase

  • Earn 4 Scotia Rewards points on every $1 spent at eligible gas stations, grocery stores, dining out, and entertainment

  • Earn 1 Scotia Rewards point for every $1 spent on everything else

  • Redeem points for travel anywhere, anytime, with no restrictions

  • Annual Fee: $399
  • Income eligibility requirement: $12,000 personal income
  • Credit score required: Good – Excellent
  • Earn Rate: 4 points per dollar spent at gas stations, grocery stores, dining, and entertainment; 1 point per dollar spent on everything else
  • Welcome offer: 30,000 bonus Scotia Rewards points upon first purchase
  • Additional benefits: Complimentary Priority Pass lounge access, 24/7 concierge, American Express Invites, Hertz #1 Club Gold Membership, travel insurance
  • Interest on Purchases: 19.99% | Interest on Cash Advances: 22.99%
Cash Advance APR 22.99%
Purchase APR 19.99%
Purchase Intro Rate N/A
Intro Rate Duration N/A
Balance Transfer APR N/A
Balance Transfer Intro Rate N/A
Intro Rate Duration N/A

Check your eligibility >>

Scotiabank SCENE®* Visa* Card

Apply Now On Scotiabank CA Secure Website

Credit Card Benefits

With the Scotiabank SCENE®* Visa* Card, you can earn 5 SCENE points for every $1 in card purchases spent at Cineplex theatres or Cineplex.com. Other card purchases will earn at a rate of 1 SCENE point per $1 spent. As a welcome offer, new cardholders can earn 2,500 bonus SCENE points after spending $500 within the first 3 months of being a cardholder. Redeem points for for movie tickets (1,250 points = 1 free movie) or participating restaurants (1,000 points = $10 off your bill). Additional perks include car rental discounts at select AVIS and Budget Rent-A-Car locations and free supplementary cards.

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Credit score requirements: Credit Score requirements are based on Young and Thrifty's own research of approval rates; meeting the minimum score will give you the best chance to be approved for the credit card of your choice.
Poor 500-599
Fair 660-689
Good 700-749
Excellent 741-900

What we like:

  • No annual fee

  • Welcome bonus: Earn 2,500 bonus SCENE points with your first $500 in everyday purchases in the first 3 months

  • Earn 5 SCENE points for every $1 spent at Cineplex theatres

  • Earn 1 SCENE point for every $1 spent on everything else

  • Annual Fee: $0
  • Income Eligibility: $12,000
  • Credit Score Required: Fair to Good
  • Welcome Bonus: Earn 2,500 bonus SCENE points with your first $500 in everyday purchases in the first 3 months
  • Additional Perks: SCENE points never expire
  • Interest on Purchases: 19.99% | Interest on Cash Advances: 22.99%
Cash Advance APR 22.99%
Purchase APR 19.99%
Purchase Intro Rate N/A
Intro Rate Duration N/A
Balance Transfer APR N/A
Balance Transfer Intro Rate N/A
Intro Rate Duration N/A

Check your eligibility >>

Scotiabank Value® Visa* Card

Apply Now On Scotiabank CA Secure Website

Credit Card Benefits

The Scotiabank Value® Visa* Card is an excellent low-interest rate credit card with an excellent balance transfer promotion. It offers a low 0.99% introductory rate for 6 months on balance transfers. After that, the rate reverts to 12.99%, which is the same interest rate on purchases and cash advances. There is a $29 annual fee, but supplementary cards are free. Cardholders also get car rental discounts at participating Budget and Avis Rent A Car locations.

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Credit score requirements: Credit Score requirements are based on Young and Thrifty's own research of approval rates; meeting the minimum score will give you the best chance to be approved for the credit card of your choice.
Poor 500-599
Fair 660-689
Good 700-749
Excellent 741-900

What we like:

  • Low $29 annual fee

  • 0.99% introductory rate for 6 months on balance transfers (12.99% after that)

  • Low 12.99% interest rate on purchases and cash advances

  • Free supplementary cards

  • Annual Fee: $29
  • Minimum Income Eligibility: $12,000
  • Credit Score Required: Fair to Good
  • Welcome Offer: 0.99% introductory interest rate on balance transfers for the first 6 months
  • Additional Perks: Up to 25% discount when renting cars from Avis in Canada or the USA
  • Interest on Purchases: 12.99% | Interest on Cash Advances: 12.99% | Interest on Balance Transfers: 12.99%
Cash Advance APR 12.99%
Purchase APR 12.99%
Purchase Intro Rate N/A
Intro Rate Duration N/A
Balance Transfer APR 12.99%
Balance Transfer Intro Rate 0.99%
Intro Rate Duration 6 months

Check your eligibility >>

Tangerine Money Back Credit Card

Apply Now On Tangerine CA Secure Website

Credit Card Benefits

The Tangerine Money-Back Mastercard is an excellent cash back credit card that also has no annual fee. Earn up to 2% unlimited cash back in up to 2 categories, and 0.5% cash back on everything else. Cash back is earned automatically and paid out monthly either to your credit card balance or redeemed into your savings account. Get a third 2% category if you have your Money-Back Rewards deposited into your Tangerine Savings Account.

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Credit score requirements: Credit Score requirements are based on Young and Thrifty's own research of approval rates; meeting the minimum score will give you the best chance to be approved for the credit card of your choice.
Poor 500-599
Fair 660-689
Good 700-749
Excellent 741-900

What we like:

  • No annual fee

  • Earn up to 2% unlimited cash back for every $1 in card purchases

  • 1.95% introductory interest rate on balance transfers for 6 months

  • Monthly, automatic rewards payments

  • Annual Fee: $0
  • Minimum Income Eligibility Requirement: $12,000
  • Credit Score Required: Good to Excellent
  • Welcome Offer: New cardholders can earn a $250 bonus when spending at least $5,000 on everyday purchases in their first 3 months of card membership.
  • Rewards: Earn up to 2% unlimited cash back for every $1 in card purchases
  • Additional Benefits: Automatic, monthly reimbursement to your credit card balance or savings account; unlimited cash back
  • Interest on Purchases: 19.95% | Interest on Cash Advances: 19.95%
Cash Advance APR 19.95%
Purchase APR 19.95%
Purchase Intro Rate N/A
Intro Rate Duration N/A
Balance Transfer APR N/A
Balance Transfer Intro Rate N/A
Intro Rate Duration N/A

Check your eligibility >>

TD Cash Back Visa Infinite*

Apply Now On TD Canada Trust Secure Website

Credit Card Benefits

The TD Cash Back Visa Infinite* Card is an excellent cash back credit card that allows you to earn up to 3% cash back on eligible purchases.  The annual fee is $120 (rebated the first year if you apply by May 30, 2021), but this card includes benefits like travel medical insurance and emergency road services with Deluxe TD Auto Club Membership.

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Credit score requirements: Credit Score requirements are based on Young and Thrifty's own research of approval rates; meeting the minimum score will give you the best chance to be approved for the credit card of your choice.
Poor 500-599
Fair 660-689
Good 700-749
Excellent 741-900

What we like:

  • Earn 6% Cash Back on all Purchases for the first 3 months¹ up to a total spend of $2,000. Plus, first year no Annual Fee¹ for the Primary and Additional Cardholders. Conditions apply. Must apply by May 30, 2021.

  • Earn 3% in Cash Back Dollars on eligible grocery Purchases and gas Purchases, and on regularly recurring bill payments set up on your Account

  • Earn 1% in Cash Back Dollars on all other Purchases made with your Card

  • Annual Fee: $120 (Annual fee rebate for first year. Must apply by May 30, 2021)
  • Minimum Income Eligibility: $60,000 personal or $100,000 household income
  • Credit Score Required: Good to Excellent
Cash Advance APR 22.99%
Purchase APR 20.99%
Purchase Intro Rate N/A
Intro Rate Duration N/A
Balance Transfer APR 22.99%
Balance Transfer Intro Rate N/A
Intro Rate Duration N/A

Check your eligibility >>

TD® Aeroplan® Visa Infinite* Card

Apply Now On TD Canada Trust Secure Website

Credit Card Benefits

Combining the welcome offer (up to 20,000 Aeroplan Points, first year annual fee rebate, and Buddy Pass) with the points-earning potential on everyday purchases (such as gas and groceries), the TD® Aeroplan® Visa Infinite* Card wins out as a very competitive rewards credit card. This card also lets you travel in style, offering perks such as a free first checked bag for yourself and up to eight companions, priority airport upgrades on Air Canada flights, and more. Add in the comprehensive insurance and $100 Nexus fee rebate, and this card gets even better. Despite the annual fee and higher minimum annual income requirement, the TD® Aeroplan® Visa Infinite* Card wins out as one of the best Aeroplan credit cards in Canada

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Credit score requirements: Credit Score requirements are based on Young and Thrifty's own research of approval rates; meeting the minimum score will give you the best chance to be approved for the credit card of your choice.
Poor 500-599
Fair 660-689
Good 700-749
Excellent 741-900

What we like:

  • Welcome offer: Earn up to 20,000 Aeroplan Points + first-year annual fee rebate + an Air Canada Buddy Pass + to bring anyone along to anywhere Air Canada flies in North America, including Hawaii and Mexico. Conditions apply. Must apply by May 30, 2021.

  • Earn Aeroplan points on your everyday purchases.

  • Free first checked bag for yourself and up to eight companions

  • Includes comprehensive insurance, including trip cancellation coverage

  • Annual Fee: $139 (first year annual fee rebate)
  • Minimum Income Eligibility Requirement: $60,000 personal or $100,000 household annual income
  • Credit Score Required: Good to Excellent
  • Welcome Offer: Earn a Bonus Buddy Pass and 10,000 Aeroplan points + first year annual fee rebate (Conditions apply. Must apply by January 17, 2021.)
  • Rewards: Earn up to 1.5 Aeroplan Miles for every eligible $1 in card purchases
  • Other Perks: Travel insurance, VIP benefits when travelling on Air Canada flights, $100 Nexus fee rebate, Auto Rental Collision/Loss Damage Insurance, and no Aeroplan points expiry for cardholder
  • Interest on Purchases: 19.99% | Interest on Cash Advances: 22.99%
  • This offer is not available for residents of Quebec. For Quebec residents, please click here.
Cash Advance APR 22.99%
Purchase APR 19.99%
Purchase Intro Rate N/A
Intro Rate Duration N/A
Balance Transfer APR 22.99%
Balance Transfer Intro Rate N/A
Intro Rate Duration N/A

Check your eligibility >>

MBNA Rewards Platinum Plus® Mastercard®

Apply Now On MBNA Canada Secure Website

Credit Card Benefits

With the MBNA Rewards Platinum Plus® Mastercard®, you’ll pay no annual fee and earn MBNA Rewards points on every purchase made with this card. Earn 2 points per $1 (up to a maximum annual spend of $5,000 per category) on eligible gas, grocery, and restaurant purchases, and 1 point per $1 in card purchases everywhere else. As a limited-time welcome bonus, new cardholders can earn up to 10,000 bonus points and earn 4 points per $1 on eligible gas, grocery & restaurant purchases (for the first 90 days after account opening). Redeem points for travel, cash back, and more.

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Credit score requirements: Credit Score requirements are based on Young and Thrifty's own research of approval rates; meeting the minimum score will give you the best chance to be approved for the credit card of your choice.
Poor 500-599
Fair 660-689
Good 700-749
Excellent 741-900

What we like:

  • No annual fee

  • Welcome Offer: Earn 4 points per $1 on eligible gas, grocery & restaurant purchases and get up to 10,000 bonus points. (Conditions apply)

  • 2 points earned for every $1 spent on eligible gas, grocery, and restaurant purchases

  • 1 point earned for all other eligible purchases

  • Annual Fee: $0
  • Minimum Income Eligibility Requirement: N/A
  • Credit Score Required: Fair to Good
  • Welcome Bonus: Get 4 points per $1 on eligible gas, groceries and restaurant purchases and up to 10,000 bonus points. (Conditions apply)
  • Rewards: Points can be redeemed for travel, cash back, and more
  • Annual Interest Rate on Purchases (“AIR”): 19.99% | Interest on Cash Advances: 24.99% | Interest on Balance Transfers & Access Cheques: 22.99%
  • This offer is not available for residents of Quebec. For Quebec residents, please click here.
Cash Advance APR 24.99%
Purchase APR 19.99%
Purchase Intro Rate N/A
Intro Rate Duration N/A
Balance Transfer APR 22.99%
Balance Transfer Intro Rate N/A
Intro Rate Duration N/A

Check your eligibility >>

MBNA True Line® Gold Mastercard® 

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Credit Card Benefits

The MBNA True Line® Gold Mastercard® credit card is an excellent choice if you tend to carry a balance each month. It has a $39 annual fee, but it comes with a low annual interest rate on purchases of 8.99% – one of the lowest in Canada. New cardholders can also take advantage of a 0% promotional annual interest rate on balance transfers for the first 6 months, for transfers completed within 90 days of account opening. A 3% fee applies (minimum fee of $7.50 CAD). After that, the balance transfer interest rate is just 8.99%. Other perks include shopping coverage and car rental discounts at participating AVIS and Budget Rent-A-Car locations.

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Credit score requirements: Credit Score requirements are based on Young and Thrifty's own research of approval rates; meeting the minimum score will give you the best chance to be approved for the credit card of your choice.
Poor 500-599
Fair 660-689
Good 700-749
Excellent 741-900

What we like:

  • Low $39 annual fee

  • Welcome Offer: 0% for 6 months on balance transfers completed within 90 days of account opening, with a 3% transfer fee (minimum fee of $7.50)

  • Low 8.99% annual interest rate on purchases

  • Add up to 9 authorized users with no additional charge

  • Annual Fee: $39
  • Minimum Income Eligibility Requirement: N/A
  • Credit Score Required: Fair to Good
  • Welcome Offer: 0% for 6 months on balance transfers completed within 90 days of account opening, with a 3% transfer fee (minimum fee of $7.50 CAD).
  • Additional Perks: Low annual interest rate on purchases
  • Interest on Purchases: 8.99% | Interest on Cash Advances: 24.99% | Interest on Balance Transfers & Access Cheques: 8.99%
  • This offer is not available for residents of Quebec. For Quebec residents, please click here.
Cash Advance APR 24.99%
Purchase APR 8.99%
Purchase Intro Rate N/A
Intro Rate Duration N/A
Balance Transfer APR 8.99%
Balance Transfer Intro Rate 0%
Intro Rate Duration 6 months

Check your eligibility >>

MBNA True Line® Mastercard®

Apply Now On MBNA Canada Secure Website

Credit Card Benefits

The MBNA True Line® Mastercard® offers no annual fee and a low standard annual interest rate of 12.99% on purchases. It also comes with an excellent welcome offer on balance transfers: 0% promotional annual interest rate for 10 months on balance transfers* completed within 90 days of account opening, with a fee of 3% (minimum fee of $7.50 CAD). After that, the interest rate on transferred balances will be 12.99%. You can add up to 9 authorized users free of charge, and you’ll also get discounts on car rentals at participating AVIS and Budget Rent A Car locations.

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Credit score requirements: Credit Score requirements are based on Young and Thrifty's own research of approval rates; meeting the minimum score will give you the best chance to be approved for the credit card of your choice.
Poor 500-599
Fair 660-689
Good 700-749
Excellent 741-900

What we like:

  • No annual fee

  • Welcome Offer: 0% for 10 months on balance transfers- completed within 90 days of account opening, with a 3% transfer fee (minimum fee of $7.50 CAD).

  • Low 12.99% annual interest rate on purchases

  • Annual Fee: $0
  • Minimum Income Eligibility Requirement: N/A
  • Credit Score Required: Fair to Good
  • Welcome Offer: 0% for 10 months on balance transfers completed within 90 days of account opening, with a 3% transfer fee (minimum fee of $7.50 CAD).
  • Additional Perks: Low annual interest rate on purchases
  • Interest on Purchases: 12.99% | Interest on Cash Advances: 24.99% | Interest on Balance Transfers & Access Cheques: 12.99%
  • This offer is not available for residents of Quebec. For Quebec residents, please click here.
Cash Advance APR 24.99%
Purchase APR 12.99%
Purchase Intro Rate N/A
Intro Rate Duration N/A
Balance Transfer APR 12.99%
Balance Transfer Intro Rate 0%
Intro Rate Duration 10 months

Check your eligibility >>

Best Western Mastercard®

Apply Now On MBNA Canada Secure Website

Credit Card Benefits

A great choice for frequent travellers, Best Western Rewards® Mastercard® allows you to earn Best Western Rewards® points on eligible card purchases that can be redeemed towards hotel stays, dining, gift cards, and more. The welcome bonus of 20,000 points (after your first eligible purchase) is enough for a free one-night stay, and after that, additional points are easy to collect on everyday spending. There’s also no annual limit on the number of points you can earn. New cardholders can also take advantage of a special 1.99% interest rate on balance transfers for the first 10 months, with a 1% transfer fee (minimum fee of $7.50 CAD).

Read review
Credit score requirements: Credit Score requirements are based on Young and Thrifty's own research of approval rates; meeting the minimum score will give you the best chance to be approved for the credit card of your choice.
Poor 500-599
Fair 660-689
Good 700-749
Excellent 741-900

What we like:

  • No annual fee

  • Earn 5 Best Western Rewards® points for every $1 spent in eligible purchases at Best Western Properties

  • Earn 1 Best Western Rewards® points for every $1 spent in eligible purchases

  • Earn “Gold Status” upon first use of your card

  • Annual Fee: $0
  • Welcome Offer: 20,000 Best Western Rewards® (after first eligible purchase)
  • Rewards: Earn 5 Best Western Rewards® points per $1 spent at Best Western properties and 1 Best Western Rewards® points per dollar spent on other eligible purchases.
  • Other Perks: Redeem rewards for hotels, dining, gift certificates, and more
  • Credit Score Required: Fair to Good
  • Minimum Income Requirement: N/A
  • Annual Interest Rate on Purchases (“AIR”): 19.99% | Interest on Cash Advances: 22.99% | Interest on Balance Transfers & Access Cheques: 22.99%
  • You could get a 1.99% promotional annual interest rate (“AIR”)† for 10 months on balance transfers? completed within 90 days of account opening, with a fee of 1% of the amount advanced (minimum fee of $7.50)
  • This offer is not available for residents of Quebec. For Quebec residents, please click here.
Cash Advance APR 22.99%
Purchase APR 19.99%
Purchase Intro Rate N/A
Intro Rate Duration N/A
Balance Transfer APR 22.99%
Balance Transfer Intro Rate 1.99%
Intro Rate Duration 10 months

Check your eligibility >>

Credit Card Comparison in Canada

Thanks to Young and Thrifty, finding the right credit card doesn’t have to be overwhelming. On this page, we’ve listed the options, so you can easily compare credit cards and select one that suits your lifestyle. For credit card comparison, here is a guide to how to use our comparison tool to help narrow down the choices:

Step 1: What Are Your Priorities?

Are you an avid Aeroplan collector looking to rack up Aeroplan points for your next trip? Or is cash king? Are you a cash-strapped student looking for a credit card with no or low annual fees? Start by figuring out what’s important to you and compare credit cards.

If you’re looking to save money, a no annual fee credit card might float your boat. Or if you’re a starving student, compare credit cards for students, many of which don’t have an annual fee. There are even a select number of travel rewards credit cards with no annual fee!

If you’ve got an existing balance lingering on a high-interest credit card, your top priority might be a 0% balance transfer credit card or scoring a low interest credit card to save you money in interest charges. Or if your credit score is in the dumpster, maybe your mission is getting your credit rating back on track with a credit card for bad credit.

If you’re willing to pay an annual fee and have a decent credit score, there are a ton of rewards credit cards available to you: from Aeroplan credit cards to credit cards offering lounge access to Air Miles credit cards to travel rewards credit cards. If accumulating points don’t interest you, a cash back credit card might be more suited to your spending.

And don’t forget to regularly stay on top of the latest credit card offers and promotions. You could score a fantastic deal that puts more money in your pocket.

Once you’ve examined your priorities and spending patterns, use the “Filter by Card Type” tool to select all the credit card categories that interest you. It will then generate a list of possible credit cards that fit the bill.

Step 2: What’s Your Number?

Next, enter your credit score. Most credit cards have an income and credit rating qualifier. Once you have your digits at your fingertips, it will shrink or widen the pool of credit cards available to you. If you don’t know your credit score number, you can get a free credit score check with FinTech leader, Borrowell, and looking it up won’t affect your credit score. If you’re new to the world of credit scoring, you may also want to dive into our articles about credit scoring in Canada:

Credit cards with premium perks, such as the travel rewards credit cards or the cash back credit cards, usually require a good to excellent credit rating. If your credit rating isn’t so hot, you may want to look at getting one of a credit card for bad credit and make improving your credit score your mission. A higher credit score will open up more possibilities in the credit card world for you, so you can take advantage of credit cards offering benefits like Air Miles or Aeroplan pointsairline lounge access, travel insurance, or car rental insurance.

Step 3: Compare Credit Cards

Once you’ve set the filters, you’ll have a comprehensive list of potential credit cards on your screen, each matching your unique interests and financial situation. The next step is to compare credit cards and decide which one is a winner. P.S.: it’s totally okay to have more than one credit card in your wallet, and there’s no rule that says you have to choose just one. Go for it!