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 30,000 points (worth approx. $300) 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 30,000 Membership Rewards® points (worth approx. $300)

  • 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
  • In your first year as a new Cobalt Cardmember, you can earn 2,500 Membership Rewards® points for each monthly billing period in which you spend $500 in net purchases on your Card. This could add up to 30,000 points in a year
  • 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 4% cash back
on purchases (up to $200 cash back) 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

  • New SimplyCashTM from American Express Cardmembers can earn 4% cash back on purchases (up to $200 cash back) for the first 6 months of Cardmembership

  • Earn up to 1.25% cash back on card purchases

  • Access virtual events and special offers curated for Cardmembers with American Express® Experiences

  • Annual Fee: $0
  • Minimum Income Eligibility: None
  • Credit Score Required: Good to Excellent
  • New SimplyCashTM from American Express Cardmembers can earn 4% cash back on purchases (up to $200 cash back) for the first 6 months of Cardmembership
  • Rewards: Earn 1.25% cash back for every $1 in card purchases when your Welcome Rate ends
  • 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.

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:

  • 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

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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 Avion Visa Infinite

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 >>